<prompt> Human: My wife scheduled her car payment to come out on the 22nd, the day she gets paid, just to make sure she had plenty in her account.She is enrolled in auto-pay, and didnt change that status for this payment only.She is now negative 200ish. Does she have any options to get back a Overdraft Fee, or will we need to bite the bullet on this one? We usually plan our budget pretty well, but being the holiday time i think we mismanaged a little.Thanks anyone for advice, Merry Christmas, Happy Hanukkah.  <response>: It may be due to holidays and banking schedules. Just a possible explanation of why it came out early. Others have posted good advice, work with the bank on overdraft fees. Show them the old statements showing the date the 22nd. Show them the plan from the company and pay stubs, etc. theyll probably waive it with all that showing that it was an honest mistake. Now also keep up on the bank account. Work on keeping enough in there for mistakes like this. I keep most of everything in savings but enough in my checking to keep me comfortable should something get pulled. 