I don't know what card they gave you, but my Visa Debit Card had no problem accumulating $132 worth of fees for one $12 overdraft in a one day time period.

They tell you that they "hold" money so that your payment is sure to go through... but they do not tell you that before the actual payment is sent they put the money BACK in to your account, so if you were accidentally unaware of an overdraft fee then you may not have the funds that you thought you did.