Ack! I had a scheduled school bursar payment that I forgot about. My bursar bill was $4200 and I had just over $100 in my bank account. I should have cancelled the scheduled payment (scheduled months ago) but obviously didn’t. The transaction was allowed to process leaving me several thousand dollars in overdraft of my bank account. I mean to reconcile the deficit, of course; but I cannot do so immediately. In fact, it could take several months. My main cocern is criminal liability. Can I be held criminally liable if the bank essentially approved the transaction knowing I did not have the funds, in effect giving me a loan? Jackson County, Southern Illinois.