Again, insane, and I don&#x27;t understand how this works in US. Here if I try to pay with my debit card for anything,but don&#x27;t have enough money in my account, the transaction gets declined at the till(or I get an error while paying online) - it doesn&#x27;t result in any charges, just means I cannot pay. Do US banks allow debit cards to overdraw accounts? Isn&#x27;t this against the entire idea of debit cards??