I wanna go back the checking accounts Bank / Credit Unions the "Overdraft"
Shut that off now if ya aint got the funds your debit card be "Denied" No Sale.
Most dont tell ya that openining a New Account.
Most Banks in Tv / Newspaper Ads "Pimp" Overdraft "Protection" .
But ya can Shut that Off ya gotta sit down desk at opening & "request" thats in "Fine Print" too when ya Sign the Papers.
Dont thats a "Fee" sorry I aint got the $$$ in my checking "No SALE" in that case ya better off with the "Credit Card" provided ya got the "Discipline" pay off in full next paycheck