If you need to overdraw to cope with extra expenditure at a particular time remember to ask your bank first.

BBC: Pile of coins

Bank of America, the largest U.S. debit card issuer, will no longer allow consumers to overdraw their checking accounts using a debit card.

FORBES: How Will BofA Recoup Lost Overdraft Income?

Just be sure not to overdraw the account.

FORBES: 10 Steps to Repair, Rebuild, and Protect Your Credit

After the company's board discovered inflated accounts receivable had been used to overdraw on its credit line and forced the resignation of Stephen Foss, the former Tyco director and compensation committee member under Dennis Kozlowski, CapitalSource cut off funds, forcing the company into Chapter 11.

FORBES: Magazine Article

After the company's board discovered inflated accounts receivable had been used to overdraw on its credit line and forced the resignation of Stephen Foss, the former Tyco (nyse: TYC - news - people ) director and compensation committee member under Dennis Kozlowski, CapitalSource cut off funds, forcing the company into Chapter 11.

FORBES: Loan Shark

Severson would overdraw his business checking account and Hardyman would simply increase the loan amounts to cover them.

FORBES: 'Just Right To Jail' - Small Bankers Do Go To Prison

Banks are marketing either a program where overdraft transactions are covered for a fee or one that allows you to link a checking account to a savings account, line of credit or credit card so if you overdraw funds are transferred in as needed, says Greg McBride, a senior financial analyst at Bankrate.com.

WSJ: Say No to Overdraft Pitches