Maybe you don't know your account have the overdraft protection.

回答: Can bank pay any checks signed by us?amy4852009-10-17 15:11:36

The benefit of the overdraft protection is when you don't have fund in the account, the bank can still honor your check, and hence, your credit won't get affected by shortage of funds.
The price of having this benefit is you will be charged of the this $35.
Of cause, you have to pay back all the money to the bank in a specified period of time, plus each and all the $35 charges.

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