Oops for Jerry. Don't let this happen to you!
An overdrawn account by $15 is a negative $15. When you add the $10 service charge, you now have negative $25. When you add your $60, you will only have the difference between $25 and $60 left in the account.
It looks like this:
-$15 + $60 = ?
60 - 15 = 45 dollars in the account.
Good news for Jerry. My bank charges $35 service charge to be overdrawn. (Don't ask me how I know this...)