If you really think it is wrong (as in you KNOW you didn't spend that much money on Monday), why don't you go in and ask them about it. You need to be sure that no one else has access to your account. As for the overdraft, could you get overdraft protection from a savings account...or start a savings account with money just for the overdraft protection? This way, if you accidentally overdraft for whatever reason, the funds get transferred from your savings account and there's only a 6 dollar fee as opposed to 80.
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Anyhow, hope the back feels better!
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