I (always and forever) maintain accounts with NO overdraft. Banks like overdraft. I don't. If something bounces, then I will handle it within 24h. Again, this

I (always and forever) maintain accounts with NO overdraft. Banks like overdraft. I don't. If something bounces, then I will handle it within 24h. Again, this is the setup that covers my needs. A different organizations with different needs should have different process/controls to match their liquidity/easy-to-access-cash needs.