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Its called overdraft protection. Get a CC through the bank, and it will ususally automatically link. The only way to get back at a bank is to close your account.

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Closing your accounts certainly is one way to do it, but for all but the smallest local banks, retail banking and demand deposits are a very small percentage of their revenues these days. And, as someone else pointed out, you're just as likely to get jobbed like this at another bank. Stop trying to play the float. You're not a currency arbitrageur.