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If they were authorized to take the money out and it resulted in a negative balance on your account, the bank can certainly charge extended overdraft fees, a standard fee banks charge. You are also obligated to get the balance to where it is no longer negative. If you do not, the bank can file a lawsuit against you to collect that amount. The proper thing to do to avoid further legal problems would be to make a deposit to bring the account back to at least zero. At that point you can ask that the account be closed and that further attempts at electronic transactions be blocked.