No. of Recommendations: 1
But what I understood to be the case was that had the ATM checked the balance at the time of the withdrawal, it would have been able to warn her or reject the transaction.

The statement was that the withdrawl caused an overdraft. Given that banks/CU choose the order of transactions, it is possible that the balance was greater than $10 at the time of the withdrawl.

The other item that the OP needs to do is verify if overdraft protection is enabled on the account. Some banks were very aggressive about seeking permission. Not knowing the institution, it is possible that authorization was "accidently" obtained by website tricks or a phone call. Given what some institutions have done it is possible that it was enabled without his permission.
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