Why is my bank overdrafting me when I still have money??

Question

I still had like $12 available balance and they charged me an overdraft fee.

Answer 1

Everyone makes mistakes, even banks occasionally.

Print out a copy of your most recent transactions and bring it to the bank with you. Ask them to explain it.

Answer 2

How much was whatever you bought or spent?  If it was more than $12.00, you overdrew.  

Answer 3

~~If the amount of the check they didn't pay was over your balance available then they charge you NSF charges. If they paid the check and your balance was still $12.00 then I would say they made an error. I just depends if the check after being deducted from your account would have overdrawn you.~~

Answer 4

If the draft is for more than $12, then it is an overdraft.