On the site it says "This summer, your personal checking account will automatically be set to the Standard Overdraft Setting. With this setting, your ATM transactions and everyday (non-recurring) debit card transactions will be declined when you don't have enough money in your checking account or linked Overdraft Protection Account." That means a transaction will just be denied if I don't have enough money in my checking account right? I just don't want any overdraft fees, and I like only having around $100 in my checkings at a time because I like putting the rest in my rent money account. Just want to verify that I understand this correctly.