I have a checking account less than 60 days old with no overdraft protection until it is at least 90 days old.
I forgot about a couple of checks I wrote to the grocery store(Winn Dixie) and did not have enough in the account to cover them. This store uses some kind of 3rd party system for their checks so I did not know who to call. I figured they would mail them back to me or call me. A week later, they redeposit them and and I get two more NSF charges. My account was still low due to being in between paydays.