Ugh, I have bought WAY too much stuff off ebay in the last couple weeks...
I had an old bank acount that I'd left a few hundred bucks in just in case any of my bills were still being drafted from it and I'd forgotten... well, it went several months without dropping, so I decided I might as well use it as my Joe fund.
A week later, four months of electric bills suddenly got pulled out of it, leaving the balance negative.
So I dumped more cash in it... and now my Joe fund is back.