I've had my checking accounts set to deny charges when the balance is insufficient for years. I have played the odds with a floated check before, but it's reall

I've had my checking accounts set to deny charges when the balance is insufficient for years. I have played the odds with a floated check before, but it's really not that hard to avoid an overdraft. These days, I just buy everything on a credit card. I earn rewards, and there's no change of overdrafting.