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We have 2 separate checking accounts 1 personal and 1 business account for dh. The lady at the bank just called to speak to me about their courtesy pay....at first I freaked out and I thought I had overdrawn my account. I keep close tabs on both of them but the bank has never called before. It turns out she was just calling to tell me that as a courtesy they will pay overdraws but only on one account so she just wanted to know which account I wanted just in case it ever overdraws. Whew. I was really nervous there for a second.