These words are somewhat difficult for me since I'm on a fixed income each month. I worry about the money stretching for the whole month. There's times when the check doesn't stretch the whole month. It's called overdrawing on the bank account. I've done it many times without realizing it. It'll be $10-30 for whatever here and there. the problem [u]isn't[/u] the overdraw itsel. It's when the banks charge you the bill and the service charge. The charge can be from $25-50. It's also when the bank doesn't pay for the bill. You owe the store for the bill [u]and[/u] the charge they put on you for your bounced check. You see why I worry from time-to-time now.