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Actually you should be concerned that this happened. Your bank is likely to assess a penalty against you. Remember your account is your responsibility. The financial institution you used will pay for the withdrawal since items and or services were exchanged unless their was a fumble at the merchant. What you should be concerned about is whether your financial institution applies a penalty to your account for your incompetence. Those fines can be pretty hefty. So you might actually come out worse for this. Your not going to walk away from it in my opinion.