<prompt> Human: Due to me being stupid, I had 323 in my account and wrote a 325 rent check and didnt check my funds correctly. I know its totally my fault - I was planning on closing the account after I used this last check anyway. But I miscounted my money and my bank charged me 35 in overdraft fees. The bank is a smallish Credit Union in the US. I have more money in other banks and have no need at all for this account. What would happen if I left the account with its -37 in checking and didnt do anything? Never closed it out, never evened my account, just left it at -37? Would I get collections agencies after me for that small of an amount? Would it affect my credit somehow?  <response>: If you bring the account back to a positive balance and tell them that you made a mistake and will do good in the future, banks will usually refund that overdraft fee. Ive done this for both my credit union, and amazingly, Bank of America.If you are just genuine on the phone, nice the to representative, and acknowledge the mistake, you can be surprised at what you can accomplish. 