Have a look on your checking account information to determine if you hold bank overdraft protection. If you did not opt in for this service, you cannot overdraw your checking account if you are purchasing a thing using your debit card or you are making an ATM withdrawal. If you received the bank overdraft for the reason that of these reasons and you do not have protection, the bank cannot charge you for a bank overdraft, because the mistake is its own fault.
Have a look on your checking account and be certain that you in fact have a bank overdraft. If you are missing a deposit that you know you made, the bank probably credited a different customer with your deposit. Making a deposit to cover a buy after you wrote a check or used your debit card — floating checks — is not a bank mistake. It is not the bank’s fault if the deposit does not get to your account before the check.
Call your bank, and ask for the elimination of the overdraft. Explain the circumstances that caused the predicament. Ask to tell to the account supervisor if the person you tell to says that he cannot help. Often, a teller or customer service representative does not have the authority to reverse a bank overdraft. A bank manager has the authority to return the fees to your checking account.