Fighting a bank overdraft fee can lead to your financial institution to return any money removed from your account to pay the overdraft charges. An overdraft can cost you as much as $35 on bank fees and, since you can face charges for each subsequent overdraft, the fees can increase rapidly. The success of your fight with the bank depends on your bank and if you make a habit of overdrawing your account.
Look at your account, and make sure that you actually have an overdraft. If you are missing a deposit that you know you made, the bank possibly credited another customer with your deposit. Making a deposit to cover a purchase after you wrote a check or used your debit card -- floating checks -- is not a bank error. It is not the bank's fault if the deposit does not reach your account before the check.