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Overdraft

British pronunciation/ˈə‍ʊvədɹˌɑːft/
American pronunciation/ˈoʊvɝˌdɹæft/
Overdraft
[NOUN]
1

a draft in excess of the credit balance

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Examples
1. Banks are making 12 billion more overdrafts annually.
2. Chime offers fee-free overdraft protection up to $200.
3. They are offering overdraft protection.
4. They charge $35 overdraft fees.
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