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No. of Recommendations: 9
First of all, have you balanced your checkbook lately? If there's a bank error and you aren't really overdrawn, then that should be cleared up and any overdraft fees returned to you. If you don't keep track of your account balances at this time, I'd recommend picking up Quicken or some other home finance software and using it.

I had a similar experience for a few months in college. The problem was, instead of overdrafting my account, the bank would bounce the checks (resulting in $15 to $30 fees from the payee for each one), which would leave me a positive balance in the account. Therefore, checks still accepted, account still open, etc. I don't remember if the bank charged me a fee for the bounced checks, or if it was just the payee.

Bottom line, you need to be responsible for how much you have and how much you spend.
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