<prompt> Human: My car payment is 378 per month. I went online through Toyota Financial and put in the request for them to take the money out of my checking account not my debit card. You can imagine my surprise when yesterday I checked my TD checking account and it showed that I had a 3,780 debit pending.Toyota claims I must have entered the payment info incorrectly on their website, so I call my bank. They place a stop all and tell me that between that and because it would overdraw my account by 2,250 or so, they dont expect it to go through. I ask if there is anything else anyone can do I was polite and said please and thank you and get a resounding no. Well you can probably guess my checking account balance this morning.I have moved twice in the last 3 months work relocation- short term apartment- waiting on 2 prior security deposits and started a new job with a weird paycheck schedule. Money is much tighter than usual and all of my reserve funds are in a brokerage account. So what do I do now? How could TD possibly allow someone to overdraft their account that much? I asked Toyota about a refund yesterday and they said they could mail me a check within 10 business days. I get my paycheck Friday and I will have more than enough to cover the overdraft. My credit card bill isnt due any time soon and I pay it off in full, so I can live with the day to day stuff. But Im still really upset and I dont want to be the person that screams for a manager when calling TD, so any suggestions on how to smooth this over would be suggested. I understand that I messed up, but I dont understand why a bank allows over 2,000 to be overdrawn from someones account. I dont allow overdrafts on my debit card but apparently that doesnt apply to my account. Thank you. Assistant: How could TD possibly allow someone to overdraft their account that much?You authorized a withdrawal to your checking account. Its the same as writing a check.Based on your story theres not much to be done with the bank here, as it appears the funds were transferred to your creditor already.Human: I understand that I authorized it, but if I wrote a check for 2,000 more than I had in the account I think any reasonable person would assume it would bounce. That is what I am not understanding here.  <response>: Your right, the check would bounce.But before it does, the money would be shown as withdrawn deposited at both your account and the receiver of the check.Only after 3-5 days would it revert due to insufficient funds.Think of this the same way, the money has been removed and put on hold. Once the system realises itll take you passed your overdraft itll revert.I would still recommend keeping upto date with the bank though. 