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Mac, if you were using your debit card in an offline mode there would not have been a check on your account balance possible. If you were using an online ATM, there should have been a balance check and the transaction would have been denied.
I would recommend preserving your current credit score by any way you can, and write it up as a lesson on good bookkeeping. If you were making online transactions, I think you should at least speak to the branch manager for a fee reduction.
My two cents.
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