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Also, your credit score drops if you pay all your debts
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this post was submitted on 17 Jul 2025
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That is not universal, many financial institutions let you set it up so that your savings automatically covers overdrafts.
I've had that be the case in my Ally accounts since like 2010 at least, for no fee. Hell, Ally doesn't even charge overdraft fees at all anymore, apparently.
Srsly? When I had the Only Account it was in Oregon, then I moved to Seattle and couldn't find a bank with that feature. Even US Bank, where I had the account in Portland, didn't have it in Seattle. The clerk gave me a kindergarten explanation of how it's not one company, it's more like a family with lots of cousins all over. I LOL'd mentally because I knew it for a fact was and is one company (I had even traded their stock in the past, symbol USB). But anyway apparently their accounts and features varied by state and Washington state didn't offer thar type of account. I will have to look around again now, thanks!