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A bank overdraft is when you have withdrawn more money that if you had in your account. If you have automatic withdrawls done, such as in cable bill, phone bill, etc. If there is no money there, your account may get frozen, which means you will not be able to access funds. Best to check into getting overdraft protection, bases on your credit rating, you can get a few hundreds, but be careful, as this is credit and you may finds yourself always falling behind and once again, could ruin credit rating and have accounts frozen
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