I prefer the "deny all" option, where any transaction that overdrafts is simply denied at POS. This is absolutely no problem for small transactions. For large

I prefer the "deny all" option, where any transaction that overdrafts is simply denied at POS. This is absolutely no problem for small transactions. For larger, potentially inconvenient ones like bills or rent, I really don't see the possibility. Maybe I'm too careful with my money, but I don't usually try to make large payments without checking my funds first.