 TITLE: Does an Overdraft Affect Your Credit Score? CONTENT: Should I Keep My Overdraft Protection?\n--------------------------------------\nIf you tend to frequently overdraw your bank account and are paying a lot of money in overdraft fees every month, you might consider opting out of overdraft protection. Just know that this means if you try to make a purchase with your debit card and don't have the funds available in your account, the transaction will be declined. Yes, this could mean a little embarrassment at the checkout counter, but it will keep you from incurring expensive overdraft fees.\nA better solution may be to link a savings account to your checking account as a form of overdraft protection. In this case, if you have insufficient funds in your checking account when you go to make a purchase, the amount will be pulled from the linked account. You won't be declined, but your bank will likely still charge you a fee—though a much lower one than on an overdraft not connected with a savings account. END