Josie had $47 left in her checking account. She was unaware of her account and she swiped her card to pay for groceries. Her bank charges $36 for overdraft fee.

Answer 1

she just paid for 47+36 = $83 worth of groceries, or at most that much

if the overdraft fee consisted only of the amount she overdrew her account she bought $83 worth.

but

if there was also another overdraft charge, such as $10, then she bought $73 worth of groceries

if the overdraft charge was $35, then she purchased $48 worth of groceries. She pays the bank 48-47 =$1 plus the $35 overdraft charge.

she might have just bought $47.01 worth of groceries and got charged a $35 fee plus one cent.

all we know is she bought somewhere between $47,01 and $83 worth

Congress seems to be about to pass a bill limiting overdraft charges that banks can charge, due to situations similar to the above