Overdraft Protection?
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!
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