I closed my bank account and now I have an overdraft.

I decided to close my Old National bank account because of the recent monthly fees they've added. I went in and the teller informed me I had $4 and some cents still in the account. I asked if there were any pending transactions, she said no and gave me the money, telling me the account was closed. I never used it again and got no statements or phone calls. Luckily, I got an account with mint.com to track my finances a few months earlier. When I checked my e-mail a few weeks ago I noticed that I'm over-drafted over $150. It turns out, the $4 the teller gave me was in a pending transaction. I know I should have kept track of my account better but this seems alittle underhanded to me and I don't have money to give them. I haven't talked to the bank yet so I'm wondering if there are certain things I should say so they wont take advantage of me. If there could be legal action I could take, it would be much appreciated for advice in that matter too.

Thank you