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My bank/credit union offered to link my checking account to a savings account, a line of credit, or a credit card to cover overdrafts. How does this work?


Generally, money will be taken from this account to cover transactions that occur when you overdraw your checking account.

Most banks and credit unions may offer you the ability to link a savings account, credit card, or line of credit to your checking account. 

Some banks and credit unions charge a fee each time a transfer is made. In addition, interest is charged on any amount that is placed on your credit line or credit card. Usually, the costs of paying overdrafts from a linked savings account or line of credit are considerably less than overdraft fees. You should compare the fees to other options to see what is best for you.

Some banks or credit unions have a minimum transfer amount (for example, $100) each time the bank transfers money from a savings account, or places a charge on a line of credit or credit card, to cover an overdraft. You should find out whether your bank or credit union has such a minimum.

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