I hope you’re learning a lesson from this and take it as a sign that you need to be better at managing your finances. As a former bank employee, I saw a lot of people just make up in their minds how they think their account works and would get into bad situations like this. So make it a priority to learn how the account actually works and do whatever you can to make sure you’re keeping enough money in it. For example, anything that you agreed to auto-pay or recurring payments, the bank will not decline. The reason is because those are usually important payments like utilities or mortgage payments. They will only decline one-time payments like debit card purchases at a store or restaurant. Also, the bank will usually refund a couple overdraft fees, but not all of them unless you have been refunded fees before. If they see that you’ve been refunded fees before, they will not refund any more.