Are you mad its your responsibility to make sure funds there bank has 2 choices pay the item which means your over an overdraft limit and will pay a charge or return it and then there will be a charge . Its not up to the bank to manage the account thats your job . You say how many people check their bank account well your supposed to and in my view its your fault tnot theirs all they are doing is trying to make as much money out of you as they can . You have no valid reason to get any money back at all Id ask for it as its worth a try but dont be surprised if they say no they have no reason to give it back if its their error yes you may have a case but its not .