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Apply to your bank for overdraft checking

They may call it something else like Citibank’s Checking Plus but the words overdraft protection or coverage will tell them what you want. If you don’t have enough funds in your checking account it provides coverage for checks.

Also if you have a mastercard or visa debit card associated with the checking account it should cover its transactions too. But again I warn the APR is high 18-21%. I have two overdraft accounts with Citibank and Chase. I just had a problem where Citibank denied a transaction that my wife did over the Internet but hopefully I will be able to clear this up.