If your credit is good, your bank may allow you to overdraft or spend more than is in your account without a penalty. However, most people and several banks are not in a situation where this is either allowed or done without fees. The normal fee for a single check overdrawn on the account (overdraft) is $35. Again, this is per check! This implies that four checks equal $140 in fees!
There are ways you can improve your credit score as much as 100 points in just 30 days. Not everyone can see such a large score increase, but it is possible. Here’s how to get started: