That has never happened to me. usually that $35 overdraft fee shows up right away. They make a fortune off of them. They can charge that for each purchase if you don't know you are overdrawn. Like an ATM charge for 5 bucks. Rather than denying the purchase. The government did crack down somewhat on these practices. I have found if you call and complain before it is posted they will often waive it. Once it is posted they tell you there is nothing they can do.