I wish there was a bank that would offer a "programatic" checking account. I would open such a checking account and use it as a buffer: * Have my CC be autopay

I wish there was a bank that would offer a "programatic" checking account. I would open such a checking account and use it as a buffer: * Have my CC be autopay-in-full from the buffer account. * Have some CC hookup mechanism (similar to what mint or plaid use) so that whenever a CC charge lands, it moves exactly that amount of money from my real checking account to the buffer account. * If at any point I make an expense where the amount is larger than what I have in my real checking account, send me all possible means of notifications. Immediately call me, text me, email me, and throw a batsignal with a dollar sign to the clouds for the sake of it. The purchase will still go through, but I have 30 ish days to fix the situation before I'm charged any late fees. With this, I have the benefit of the CC rewards, but it acts as a debit card.