Are you sure that's fraud? When I accidentally spent more than I had, the bank never cancelled my account / told me I'd committed fraud / sicced the cops on me.

Are you sure that's fraud? When I accidentally spent more than I had, the bank never cancelled my account / told me I'd committed fraud / sicced the cops on me. My balance went negative, and I was charged an overdraft fee. Reading the fine print on my account, it said that charges would go through on an overdrawn account until a certain dollar amount, at which point the debit card transactions would fail. Now reading what I just wrote... It does seem like it would be very much specific to each bank.