Overdraft "protection" and charges

Obviously you were monitoring it close enough. You should familiarize
yourself with a check register. If you write 'everything' down that
goes in and out you would see when you are nearing $0.00. If you have
overdraft protection it just allows any DC transaction through but
with a $35.00 fee attached. If you remove OD protection then you are
denied at the register, except for checks and preauthorized
transactions. Understand that checking registers only work if you use
them correctly, and you can also get online versions, but I found that
the paper book works better since you can carry it with out and write
things down as they happen.

new account holder? Don't you mean "new to the banking industry"?

Evidently you were not "monitoring" your spending close enough as you
overdrew your account. You probably need to familiarize yourself with
the overdraft protection policy. It sounds like it worked exactly as
it was supposed to. It paid your debits and charged you $35 per for
that priveledge. What did you expect to happen?

Overdraft protection means the charge will go through even though you
dont have the funds. The $35.00 fee is their fee for letting you do
this. Without overdraft your credit card would get declined or the
check would bounce.

If you had it linked to a savings account it would remove the cash
from there, but they still charge you $10.00 one time fee to transfer
enough money to cover all the expenses.

You made at least 4 transactions after you went into negatives, next
time watch yourself.

Ms. M.,

Until you get an official response my take on this is you did not have
this account (checking) linked to another (ie. savings account) from
which moneys would be removed to cover your overdafts.

The Wells Fargo site goes in to great detail on how to set up an
account to have this coverage:

You can link your Checking Account to an eligible account by
requesting Overdraft Protection online (or by clicking the Add/Change
Overdraft Services link on the Account Services page if you’re already
signed on). Your accounts that are eligible to provide Overdraft
Protection will appear on the Add/Change Overdraft Protection page