<prompt> Human: Call and explain the situation. Odds are they will be able to refund all or a portion of the fee. It costs nothing to ask, be polite.Edit:Yes its best to maintain an account balance that would prevent the event of going overdraft, in this situation the extra weeks in December messed up the automatic transfers I have setup for my Mortgage and personal loan payments from my secondary checking account that funds are direct deposited to from a portion of my paycheck. Mortgage is paid every 2 weeks to make a few additional payments ever year and the personal loan is set to transfer the 15thI have Wellsfargo so its not always a battle of big banks vs CUs on this kind of thing, I think the most important part is my long standing account and that Im not going overdraft every other month once in a blue moon with these kind of eventsMy main point is that any kind of fee or charge feel free to call on, let the person on the other line know what the situation is and ask if their is anything they could do. Even if you get hit with multiple overdraft fees for the same event, you can request they return all but one, then you can learn from it and work towards keeping your account in perfect standing.  <response>: Can confirm. Last Christmas I used the wrong account to do some shopping with and managed to rack up 650 in overdraft fees. I explained the situation to them and they waived 625. They told me that I still needed to pay the remaining 25 to learn a lesson. 