Debit card overdraft?

Question

i just bought something on ebay and realized that i overspent my debit card by like $12.00 with paypal.

its sunday night right now if i go tomorrow morning and put money in my account what will happen?

am i gonna get charged fees?

also i do have a savings account at the same bank that currently has $12,000 in it....will they just take money from that?

im not sure if i have overdraft protection...i never asked for it.

Answer 1

if u put money into the bank right away tommow. and if u can cover the over draft u did u will be fine. and now banks dont have over protection that u spend because of the gov. im serious its happening to all the banks.

Answer 2

Why not try and transfer the money from your savings to your checking account from home online right now?  Most likely, ebay might have placed a "hold" for the amount, but it probably wasn't actually taken out yet (especially seeing as how it's a Sunday).  You get charged a fee if your bank actually honor the payment even though you had insufficient funds.  Don't depend on the bank to take the money from your savings for you, they'd rather take the fee when you mess up.  

Answer 3

If you cover it on the next business day, you should be fine.  If they do charge you, ask to have it reversed.  Most banks will do this a couple of times a year, but you have to ask for it.

Answer 4

Go online now and transfer enough money to cover it from your savings account.  It won't clear today as Sunday isn't a business day.  You should be okay.

Answer 5

If you have internet access to your bank accounts, just transfer enough money from the other account to this one now.

Answer 6

Since it was sunday you are on Mondays business day already. You just need to get the money in before the end of Mondays business day (2 to 4pm) depending on the bank.