<prompt> Human: Hi, as Ive stated in the title - my current balance at my bank is -0.11. My banks website states the following:-We charge an overdraft fee of 37 for each item paid. We do not charge an overdraft fee for items paid under 1. We do not charge an overdraft fee for items paid in a processing day if your account is overdrawn by 5 or less at the end of that day.I am new to this, so Im just making sure: I wont be charged an overdraft fee, right? And if not, is there a deadline for when I have to cover the negative balance? Thanks a ton.  <response>: Regardless of the answer, why on earth would you let a negative balance in a savings or checking account sit for any amount of time other than as short as possible? Get that balance in the green now. 