Donna, I am impressed that they are returning your overdraft charges & the money. I'm not sure my bank would be so cooperative.
It is a good idea to check your balences & charges on line. My husband checked his one time and found several hundred dollars missing. Apparently someone used his credit/debit card number at a casino in Puerto Rico! The bank actually had the nerve to ask if he was sure it wasn't him. Duh! We assured them he had not been out of the country. He even had to call this casino to verify the charge - it turns out they run things through some off shore bank. It took several weeks to resolve, but the money was returned and the bank said they were going to pursue the fraud, but who knows.