<prompt> Human: Recently, I went into the negative in my bank account. Two PayPal fees were taken out for a total of -3.56. This happened on a Saturday. I went to check Tuesday how much I had in my account and saw I was negative. By this point, I was -90.00. I went to speak to an employee and she told me that I wouldnt receive a letter telling me about my negative balance for another week. Every three days, they charge an extra 12.00. Is this legal? I went in today, again, and the guy told me that he would forward it to the bank manager and ask for a refund.I dont think this is right. I Understand I should know Im in the negatives but still, isnt it their job to inform the customers that theyre negative? UPDATE: YOULL AUTOMATICALLY RECEIVE ONE FREE OVERDRAFT OR RETURNED ITEM FEEEVERY 12 MONTHS FROM THE DATE OF LAST REFUND.33 for each item we pay maximum of 4 per day. This fee applies when your account is overdrawn by more than 20 at the end of thebusiness day and the amount of the item exceeds 20. Example: You write someone a check and we pay it even though you didnt have enoughmoney in your account. The item was for more than 20 and your account becameoverdrawn by more than 20 at the end of the business dayThat is their policy. Does this mean that I should NOT have been charged an overdraft fee, ESPECIALLY because I havent received the free overdraft.  <response>: You signed paperwork upon opening the account with them that went over overdraft fees. It really isnt the banks responsibility to keep track of your spending. That is completely your responsibility. Your negligence caused your account to be overdrafted. The fees were outlined. You agreed to them. Pay more attention. 