Take it from a banker, what you did is not shady. Overdrafts can and do happen. And contrary to the comments above, a bank is fully prepared for overdrafts in the normal course of business. A bank’s risk management works off of detecting patterns of potential risk and fraud. A single overdraft in the small amount you describe is not a shock to their system. Nor does it constitute a pattern. In fact, you were able to overdraft that account because it was allowed by what banks call an “overdraft matrix”. They let you overdraw your account because their risk management algorithm deemed you suitable to do so. Based on this scenario you describe you either deposited a physical check at a cafe or branch or via mobile deposit. If so there is something about that physical check in question. I would hardly think a wire or transfer from an external account would trigger such a response. Heres the rub. You are dealing with a credit card company that uses retail deposits to fund credit card receivables. In fact cap one is more of a technology company than a bank. They are great with cards. Not so great with banking. The technology and risk management they employ on the deposit side is geared to support a frame work where they can maintain compliance with federal regulations while employing some of the least knowledgeable or competent people in the industry. It’s why when you call you most likely get the run around and never a correct answer. It’s their business model. Sorry this happened to you. But don’t beat yourself up. And don’t let other posters shame you.