I have been with US Bank for a long time now, when I was younger, in college and broke, I would overdraft my checking account from time to time, but now that I manage my money well i'm debating whether or not that $4,000.00 dollar reserve line is worth having sit there, I've had it for years, and have never once had to use it.

I am about to start a second checking account with US Bank, one that I will keep all my money for bills such as mortgage, insurance, etc...

They are going to want to give me another line of credit for overdraft protection, since I can't link both accounts to it.

What do you guys think? Should I keep it and have another one for my second account, or just ditch them and if something happens, well then it will just have to happen.

Thanks!

I take it nobody has any advice on this eh?

If it's free, take the protection. If they are charging (and US Bank probably is just based on their reputation in the industry) you would be better off without it.

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Never sign intellectual property agreements...

They are not charging for it, but it still shows up as a line of credit on my credit report, and its kind of pointless to have sitting there, I have a credit card with 0% interest, so if I needed money I didn't have, I would use it lol...