Bank Issues

I went to the bank on the 19th of this month to make a withdrawal and asked the bank teller how much I had in my account. He said I had $200.18 in my account. I told him I would take out $200 then. So I we made the transaction and I went home with my $200. A few days later (which was also a few days ago) I found out that my account had been overdrawn. I was like “WHAT!!! How did that happen?” So I went back to the bank and found out that the account got overdrawn when I took out the $200. I asked them how that was possible when I specifically asked how much I had available before I took out the money. Well, they had no idea so it took some time before the guy behind the counter figured out what had happened. He even had to call over another lady to read his computer screen for him so they could get things straight. What had happened was that the $15 or so dollars that I spent at IHOP for food turned into $17 or so dollars after a tip adjustment. You see, the $15 went through on one day and that was before I took out the $200 so it didn’t show anything pending and the tip adjustment went through on another day which was about $2.00. That $2.00 made my account go over by about $2.18. there was no way that anyone could have known that the tip was going to be adjusted and go through on a different day. So I got screwed with overdraft charges and had to fill out a form to request them to be reversed. Note to self: never take out all of your money in your account; leave at least $5-$10 in your account at any time.