I did a little shopping on Friday afternoon. When I got home, I realized that I'd miscalculated and overdrawn my account. The fee is $30 for each item, so I was hoping they'd hit in lowest to highest $ amounts to minimize the # of items. I remember I thought, "Wouldn't it be great if the IRS deposited my refund before all financial hell breaks loose? Alas! (you weren't there, I could have said alas!) My return was only received by them on the 5th. There's no way they'd get it all done within 2 weeks." So I didn't want to look until I get paid tomorrow. But out of curiosity, I wanted to see how bad the damage was. I see: Available Balance: $541.60. I check it out, and yes, they deposited $520 on Friday. My cell-phone bill hasn't hit yet, so I don't know if it would have mattered, but to see that is a relief.