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sometimes if its your first overdrat they will wave the fee. the same thing happened to me but not with as much money. i tlaked to one of the ladies in the offices not the tellers, and she talked to me about everything. at my bank you have one free wave every year, firstmerit bank. and i guess you can also buy overdraft protection for later incase its a habit it will never charge you an overdraft fee. look into it with your bank person. good luck man, it sucks bad