[retiredguy123]

OP, your post is confusing. I always pay my amenity bill using my bank's electronic check pay system. I go online at districtgov.org to see the amount of the bill, and then go to my bank's website and make an online payment to pay the bill. If that is what you did, but used an account that did not have sufficient funds to cover the bill, the bank is correct to charge you a $40 insufficient funds charge. Consider yourself lucky because what you did could be a crime, even though it was not done on purpose. When my wife owned a business, and she received a check that bounced, she would call the sheriff, who would make an arrest. Your post is confusing because you don't say who charged you $40, and you also said that there was sufficient money in both accounts, but that you were charged for insufficient funds in the account. How can both statements be true? If you executed a check from an account that had insufficient funds, the bank is correct, and I would pay the $40 and be more careful when making electronic payments. But, you may want to clarify your original post because it not at all clear what happened.