I do not agree the bank took my $35 on 02.28.2012, because at that time in my bank account is still $7.09. On February 29 I just call the bank to ask for this problem, but the employee refused to settle and there is impolite attitude behave, take off phone while I was talking.

You had a balance of 51.09 and check 511 was processed for $94 leaving you 42.91 in the hole. What part of this don't you understand?

The poster has no clue on how to read her account statement. And no responsibility to learn how to manager her money.