If you have $1020 in your bank account, and have a $1000 rent check about to clear, and your card gets stolen and $100 is charged to your debit card, then your

If you have $1020 in your bank account, and have a $1000 rent check about to clear, and your card gets stolen and $100 is charged to your debit card, then your mortgage payment is going to get declined even though you knew you had enough money in your bank account.