an ai that gets your bank fees refunded
Yes. Banks waive most overdraft, maintenance, and late fees for customers who ask, and almost nobody asks. folk sees the fee post to your linked account, drafts the waiver request with the date and amount, and sends it from your Gmail when you say send. Then it watches for the refund.
Junk fees work because asking is annoying. A $34 overdraft fee is not worth a phone call, so it stays. But a first-time waiver is close to automatic at most banks if you just ask in writing. folk is the friend who asks. It reads your linked account, notices the fee, and texts you with the request already written. You say send. Ten days later it texts you that the $34 is back.
how folk does it
folk sees the fee post
With a read-only bank link, folk watches new transactions and recognizes fee lines: overdraft, NSF, monthly maintenance, late payment, foreign transaction. It texts you the same day.
the waiver is drafted, not sent
folk writes the request to your bank's support with the fee date and amount and a plain ask to waive it as a one-time courtesy. If you have a clean history, it says so. You see the draft first.
you say send, folk tracks the win
The email goes from your own Gmail. folk checks your bank nightly and marks the fight won when the credit lands, then tells you. Ask "any updates on my refunds" anytime for the full list.
what it looks like
chase hit you with a $34 overdraft fee yesterday. first one this year. want me to ask them to waive it? they usually do.
yes pls
sent. mentioned it's your first fee and you've had the account 3 years.
chase credited the $34 back. that's $70.80 recovered this month.
frequently asked
Which fees can folk get back?
Overdraft and NSF fees, monthly maintenance fees, late payment fees, and similar one-off charges that banks routinely waive on request. folk drafts the ask; the bank decides. First-time and long-tenure customers get a yes most often.
Does folk call my bank?
No. folk does not call businesses. It writes the request and sends it from your Gmail, which is what most banks want anyway. For the one thing that does need a call, lowering your card's APR, folk writes you the script.
What does this cost?
Starting a fee waiver is free on every plan, and a bank is one of the two apps you can connect for free. Having folk watch for fees around the clock and text you the moment one posts is part of Pro at $9.99 a month.
folk can also
an ai that catches double charges and writes the dispute
same merchant, same amount, same day. folk flags it with both dates and drafts the dispute before you'd have noticed.
an ai that finds the subscriptions you forgot and cancels them with you
folk reads your recurring charges, spots the ones you stopped using, and drafts the cancel plus refund email. you tap send.
an ai that preps your bill negotiation, down to the script
folk finds the fee or the apr worth fighting, writes the request or the call script with your history in it, and logs the win.
learn the concepts
Personal AI
A personal AI is an artificial-intelligence assistant dedicated to one person - it learns your preferences, remembers your context, and takes actions on your behalf across everyday life.
AI Agent
An AI agent is an AI system that takes actions to accomplish a goal - using tools, browsing the web, and completing multi-step tasks autonomously, not just generating text.
Agentic AI
Agentic AI refers to AI systems that act with autonomy - setting sub-goals, using tools, and taking multi-step actions to complete tasks, rather than only responding to prompts.