I bank w/ American 1 Federal Credit Union - The overdraft protection I have there is like a line of credit. You don't have to have the money in saving, if you over spend they automatically put want you need in your account to cover it. There is interest you have to pay if you use it but it's comparable to most credit card (10%) i think. No fee when you do you it besides the interest.
Money's tight for most of us too...It sucks
Last edited by 2000XJ; December 29th, 2009 at 11:17 PM.