There are a few things you can do to determine if your bank account is overdrawn or underdrawn. First, check your account statement to see if there is a notation of an overdraft. If there is, you may need to contact your bank and ask for a refund or credit. If there is no notation of an overdraft, then your account may be in good shape. However, it’s always best to double-check with your bank before making any large decisions about your finances.