Oh, good point. Now that I think about it, I did overspend by a small amount once, and I remember the bank paid it but charged me a $25 fee so that my account

Oh, good point. Now that I think about it, I did overspend by a small amount once, and I remember the bank paid it but charged me a $25 fee so that my account was left at -$26 or whatever. I think my paycheck cleared the next day, and then they refunded the fee when I called and complained. (I think it's only fraud if you do it intentionally, though.)