in case you overdraft your account, you owe the economic corporation for the quantity overdrawn, plus the economic corporation rates. in case you do no longer pay the economic corporation for the overdraft + economic corporation rates, the economic corporation will checklist you in ChexSystems, and you would be barred from commencing any economic corporation account with any economic corporation. additionally, the overdraft + expenses would be stated to credit reporting companies, and your credit checklist & FICO rankings take powerful. And if there seems to be any purpose to defraud the economic corporation ("come again at them"), or if it keeps to be unpaid, criminal rates may be filed against you. observe that defrauding a economic corporation is a federal crime, no longer state (banks are federally regulated establishments). If the economic corporation charged you expenses in errors once you weren't overdrawn, then communicate on your economic corporation & the value would be refunded. in case you overdrafted your account, you owe the charges. you may no longer in basic terms like the charges, or think of they're too intense, yet they're criminal, and once you opened your account, you signed an settlement with the economic corporation to pay such rates. in case you overdraft, it is your fault, and you pay. you won't be able to "ignore approximately" or refuse to pay the charges. BTW, they supply you a constrained quantity of time to pay off the overdraft + expenses. After that, the quantity accrues activity and can incur further rates to boot. study your economic corporation's circumstances on their bills or ask your banker for greater info.