There are times when poor organization concerning people’s checking accounts, leads to a bounced check or charge. This is usually when the first thoughts surface about the overdraft fees of their bank. With the busy lives people live, having a charge not covered with the available funds in the bank, sets them back and interrupts other aspects of their lives. For some people, this isn’t a problem because they always have a certain amount in their checking account. For others, having protections in place through their bank may appeal to them. In this article, we’ll ask whether opting for courtesy overdraft protection is worth it or not.