My very first penalty

Toward the beginning of April I overdrafted on my checking account and was penalized $35 from Bank of America. I'm still not 100% sure what happened, but I think I transferred money over to my mom's account from mine without realizing that my rent check would be cashed the same day, and ended up going under. This is the first time I've ever been penalized for anything and I was horrified. From reading online it sounds like I could have called the bank and there is a good chance they would have credited me back the $35 since I have been a customer for 10+ years and this was my first ever error. I debated doing that, but in the end I figured it was a mistake on my part and I should own up to it, and learn a lesson! And to be honest it was around the time that I was studying for my licensing exam nonstop and I was just too exhausted and had no brain space for that kind of stuff. A poor excuse I know. Anyway a good reminder for me that no matter how careful you are, a mistake can indeed happen. I hope I go another 10 years before the next one does.