I made an honest mistake in my checking account. It was a small error and it caused a check to receive a $35 fee. The check was in the amount of $7, and I had a balance in my account of $6.77. They returned my check and charged me $35 for a 23-cent deficit.
I e-mailed the bank about the problem, and it said that the amount was not considered when not paying a check, but rather whether you had enough to cover it or not.
My husband and I are retired and on a fixed income, so that amount of money going to a bank is totally ridiculous. The government is changing a lot of the rules pertaining to what banks can and cannot do, so they are going to get their money one way or the other.