<prompt> Human: I consider myself decent at personal finance and I love reading articles here that help me maintain my ability to manage my finances. I keep a ledger for any money, going in and out, of all my acounts because I have been afraid of ever overdrawing an account.Today I woke up and checked my accounts just like every other morning. Once I opened my Credit union checking account, I went into panick mode. I had written a check for my first mortgage payment of 758.77 a couple days prior and it had gone through today, along woth another withdrawl of 2030.49. After spending the morning on the phone with my bank and my mortgage lender, it was decided that Wells Fargo the bank that my mortgage lender uses used the account information at the bottom of my check to submit an ACH transfer for my mortgage and someone elses mortgage. Now my account is overdrawn big time. My lender seemed very worried about it and tried to help as much as they could, but they the bank say it will be a few business days before they can get it resolved. Luckily my bank has enough overdraft protection, especially considering that I have other checks going out for other payments HOA, other utilities, but I still feel horrible that this even happened.What could I have done to keep this from happening? I assumed that a check can only be deposited ONCE for the amount on the check, but apparently that isnt the case. I would have set up an online transfer, but my lender sold our mortgage to another servicer and only required our first months mortgage. I thought a check would be easier.Any thoughts on this one? Feels horrible to have all the money taken out of your account.  <response>: It sounds to me that Wells Fargo screwed up not you.I had to deal with Wells Fargo when I was taking care of my elderly mother. I didnt want her to use that bank. I had heard horror stories from friends. My mom had been using them for a long time. The bank used to be named so something else before.My mother eventually died and I was executrix along with my sister. We ran onto all sorts of issues with them. I grew to really hate this bank and hope I never have to step Into one again .I wish you luck. Get on Wells Fargo to erase anything that could hurt your credit in the future.Hope this helped. 