just food for thought, dont overdraft and you dont have this problem. i have 5/3 and had an issue with paypal. i purchase a car off ebay and payed for it through paypal. it didn't go through the first time, so i thought, so i sent it through 2 other times thinking it didn't go through again. after looking at my paypal and seeing it did go thorough, all 3 times, call paypal and they say there is nothing they can do.
Call my bank that night, this is at about 9:00pm and the note the account. call the bank the next day, tell them what happen, he says not sure i can do anything but i'll look into. (keep it mined after the 3 total withdrawls go through i'm in the hole some 8k. yes 8000.00$) he calls my wife about an hour later and says since you called when it happen we will refund ur money. 204$ i think. thats my only experience with overdraw and i thought that was pretty cool of them.