do i owe the bank 40 dollars?

Unfortunately you do owe the bank $40. Pay it or it will haunt you for a long time to come.

Yes you do need to pay them. But don't worry, you'll be fine. Just go to the bank and pay the 40 dollars there. Good luck!!!

are you really this stupid?

YES you owe the $40.

What is wrong with you?

Yes. Failure to do so adds interest and you being reported to the chexsystem, preventing you from opening a bank account anywhere. Also damage to your credit rating.

yes you do indeed you do need to still pay the $40

it could additionally be unsolicited mail--a faux Wells Fargo attempting to get funds or info from you. They do it on the information superhighway all of the time. bypass (with mum and dad) to a Wells Fargo to get it regarded at, till your mum and dad understand precisely what's the priority.

yes you owe the money so pay it back now, if not you will be charged late fees and interest.

Is money ever free? Yes, you have to pay it or they will send it to a collection agency which will leave a dent in your credit score.

yea fo sho

Yes, you do.