Websince you spent money without having the money, you got charged the fee even though you put money in later. They offer a checking line of credit which is a fee free overdraft. Webif someone writes you a check and you deposit or cash it against your account and that check didn’t have the fund available, you’d get a returned item/check fee. So it may not. Webso i just went onto my account and noticed a returned check fee and i never used a check before. What do i can…