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It would end up being a debt to the bank
the bank would need to be repaid
and will charge interest in the interim
it wont be pursued criminally
if not repaid, the bank could sue and pursue assets, judgment.
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That is correct
the bank will either enter into a payment plan with you or if that fails continue to charge interest on the balance. It could, worse case, sue to recover.
but criminal charges are not filed when a customer overdrafts
I will open the question to colleagues
so you may get other perspective
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