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Overdraft protection is a way to be prepared for the unexpected such as when a cheque deposit takes a little longer than you anticipated to clear. Alliant also has free overdraft protection program that lets you link your checking account to a savings account to cover overdrafts. Truist Bank could be another suitable option if you favor brick-and-mortar banks instead of online-only financial institutions. Just make sure you're not signing up for services that will end up costing you more money in the long run, such as with overdraft protection through lines of credit.
