<prompt> Human: This past Monday I decided to purchase a bicycle from an online bicycle shop, and checked my checking account to make sure I had the funds necessary before buying it. I had 421 in the bank and my total purchase was 300, so I purchased the bike and got the confirmation e-mail shortly after. Tuesday I go and buy coffee and a few small things throughout the day, Wednesday as well, and I knew that the total of my purchases TuesWeds came no where near the 120 I should of had left in my account.Today before lunch I decide to check my bank account to ensure I had enough, and notice I had -150 in my bank, and several overdraft fees from my small purchased tuesweds and the 2 payments from the bicycle shopweirdly split into 2 payments 1 for bicycle and 1 for an accessorytotal shipping had also been charged an overdraft fee. Even though when I am being charged overdraft fees there is clearly more than the 10 minimum in my bank.After talking with customer service they said that there had been a hold placed on my account after my bike purchases and purchases during that hold were charged overdraft, and they said they were only able to waive 25 of the overdraft charges.Im still not fully grasping the situation, it seems like I was never notified that my account had a hold on it and that any purchases during the hold would cause overdraft charges. Is there just something Im not understanding about electronic transactions? Here is a picture of a piece of my statement to get a better grasp of what im explaining.  <response>: It looks like the bike purchase put a hold on your account for a higher amount than you had in the account, which triggered the overdrafts. You didnt actually overdraft so the bank should hopefully refund you, it looks like they refunded 24 overdrafts already.Dont use debit cards for purchases. Optionally find a bank without such high overdraft fees too. 