<prompt> Human: I bought something for 10.80 at a gas station but I only had 10.50 on my card. I knew it was over the amount on my card but its only 30 cents. I thought my reserve account would cover the 30 cent overdraft, but no. PNC Bank removed 54 from my reserve account after this, for a 30 cent overdraft? From PNC Bank: Your Virtual Wallet Spend account is automatically linked first to your Reserve account and then to your Growth account to cover overdraftsWhy would they take 54 out of my reserve if my fucking reserve covers a 30 cent overdraft?  <response>: Call and ask if they can remove the fee. Some banks will, if you have a good history with them. 