Overdraft protection is a good safety net to protect you against bouncing checks, but if you're not careful it can become a crutch that encourages irresponsible financial behavior.

透支保障安全网，以保护好你对跳票但是如果你不小心就会变成拐棍，鼓励金融不负责任的行为。

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But the bank card has led blindly spamming dormant CARDS, cash and other malicious overdraft and increased financial risk.

但银行盲目地滥发卡却导致休眠卡、恶意透支与套现等金融风险的提高。

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The fact remains that an overdraft facility increases financial freedom, it does not reduce it.

ECONOMIST: Bearing the weight of the market | The

Over the last year, banks have complained about losing significant revenue due to financial reforms, especially on limitations in overdraft fees on debit cards.

FORBES: This Week In Credit Card News

The Consumer Financial Protection Bureau formally announced this week that it will investigate the overdraft fees that banks charge on checking accounts.

FORBES: Overdraft Fees Under Scrutiny Once Again