I contacted the bank they will not refund those 2 charges that accrued, they are saying the withdraw amount of $19.99 cause the account to be negative and if it had not accrued the following charger for fuel at the royal farm store would have cleared not causing any negative amounts but because of the $19.99 was withdraw it caused that fuel charge to to get an additional overdraft,,, they said to contact who ever charged the $19.99 to the account is responsible for both of the overdraft fees