No one likes to get a “declined” message when using a debit card, but if you have ever faced a $30 plus overdraft fee, you know it is a situation you would also like to avoid. Almost every financial institution offers some kind of “overdraft protection,” also called “overdraft privilege,” which allows you to spend more than what’s currently available in your checking account. Given the charge that usually accompanies these overages, bank customers should think of the service as a safety net that allows access to funds when you’ve made an error balancing your checking account or you’re in need of funds before your next deposit.
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