<prompt> Human: Ive applied for a line of credit and credit card through my bank at least a dozen times and continue to get rejected because of a workmans comp balance that is owed to the hospital for an injury i sustained in 2011. I know it doesnt seem like much but working part time at 7.35hr, 35 is the difference between riding the bus to the grocery store or walking to the church to beg for food for the rest of the month. Im not sure what to do, I was under the impression if I didnt have the money in my account, the transaction would get rejected instead of charging me. If anyone has some advice on how to talk to the bank about getting some sort of discount on this fee or how to get it removed I would be forever in your debt. bad joke... I have approximately 3 worth of loose coin i was planning on bringing in to the bank today to try to bring my balance above the negative -.27.Update: followed the many suggestions to go into the branch and turns out it was a little bit of an oversight because my card was set to block purchases when my balance goes to -1 rather then the regular 0.00 most accounts were set at. After speaking with a financial advisor the 35 was returned and I got sold on a fraud protection text alert option where any transaction that would bring my account to 0 will send me a text message. Thanks again for everyones help! As sad as it is, Im actually banking with the University Credit Union rather then a traditional bank which is likely why the institution was so willing to work with me  <response>: call customer service or go into a bank and politely ask that they reverse the overdraft fee.then, ask them remove overdraft from your account to minimize the possibility of it happening again. 