If you have had to shell out precious dollars in the form of overdraft fees because the check you issued bounced at your bank, then you know the importance of having a safety net in your bank account. Most often you have funds to pay the check but they are just not in the right account or available at the time when the check is presented.

It is at times like these that the extra expense incurred in paying the overdraft fee is completely unnecessary and avoidable. An overdraft line of credit is a safety net for your bank account that ensures you avoid such charges and fees.
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