When is the last time you stood in line at a bank without checking your iPhone?

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Instead officers say they're still checking drivers by getting them to do things like stand on one leg and walk in a straight line.

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Banks are marketing either a program where overdraft transactions are covered for a fee or one that allows you to link a checking account to a savings account, line of credit or credit card so if you overdraw funds are transferred in as needed, says Greg McBride, a senior financial analyst at Bankrate.com.

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