I've been there so I can say from experience that it is 100% your fault. If you had the cash, you should've dropped it into your account before cheques came in. Also, why didn't you just deposit $20? Then you'd at least have $60 in your pocket.
If you've never overdrawn your account before, you could ask the bank to reverse the fees as a one-time courtesy.
Speak your mind, but please try and be respectful.
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