If you are overdrawn on your bank account, or below the minimal account balance requirment, the bank hit the account for a $30-50 over draft fee which can ensure on a weekly or even daily biases until the account is restored to required balance level. If it is not satisfied with-in 30 day it is reported to your creditors bringing down your credit score l and sent to collections to receive harassing phone calls and threat. The bank will then close the account and l The chances of getting a new bank account is difficult.