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Got a shocking fee reversal from my credit union in Tulsa

Last month I got hit with a $39 overdraft fee on a $4 coffee because my paycheck posted a day late, so I called the credit union on a whim to complain. The rep told me they have a one-time courtesy reversal policy they don't advertise, and she removed it in about 3 minutes. Has anyone else stumbled on hidden fee waivers like this, and what's the best line to use when asking for them?
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kelly.daniel
The real trick is getting them to put the policy in writing so next time it's not a one-time thing.
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