. I was supposed to have an income check be electronically deposited, and when I asked the bank why it hasnt appeared, I was told that it was taken because there were no funds for the other transactions, and that with each transaction I make with no funds or something, they overcharge $35. I signed up for Vonage VoIP, and in doing so, gave them my credit card number. I'm not sure if it's a factor, and a couple of other transactions, but anyway. I am COMPLETELY new to checking/credit cards, and I may be describing it incorrectly. Who excactly took the check out, and can I ever recover it? ANY help would be greatly appreciated.