Wells Fargo offer a XXXX Pay service to pay other wells fargo customers easily. I used this service to pay someone. The process of payment requires a selection of the " from '' account and the process ensures that sufficient funds are available in order to proceed. There were sufficient funds and the recipient received the amount immediately. 
The next day, I was charged an overdraft fee of {$35.00} for insufficient funds for that specific XXXX transaction. 
