I've had the problem QD was referring to, where you have several small charges build up, and then they all hit when you get below zero and boom, each one has a 30+ dollar overdraft fee... it's a pain in the ass when mcdonalds turns into a $40 meal... Not sure who you are with, but I'm with Wachovia, and now we have it setup so that it will text message me when my account gets below $75 (can set to any amount) and since then (1 1/2 years ago) never even got close to overdrafting. Might not help you this time, but it'll help you in the future.