It's never fun to see your account balance go down -- especially when you didn't even buy anything. Banks increasingly charge fees to keep revenue up and penalize customers for mistakes.
When your account gets hit with a fee, is the money gone forever? Depending on what happened and what you do, it may be possible to get bank fees reversed. You'll have better luck with one-time fees or event-driven fees, and you can improve the odds further by knowing how to ask.
Bargaineering offers a few tips on getting bank fees reversed. It won't work every time, but you can reduce bank fees by making your case when you've got one.

