<prompt> Human: Thanks ahead for any advice or direction for help.So last year we closed our checking account with our bank over the phone and changed to a different bank. Long story my SO just got a new job at said bank and when she went to deposit her check they stated the account is now 345 PD from an autodraft of 79 for Overdraft and no direct deposit. Is there negotiating room here? Should we try another avenue or are we just out the money?We went into the bank and they stated if it was under 100 they could waive it but then added since its in collections they cant make any adjustments.This is with Wells Fargo if that helps at all.  <response>: Not sure Im following. Why would your wife be depositing her check in a closed account? 