[patio11]

You can get this in the United States, too. Get a checking account with ING Direct. I don't make a habit of overdrafting, but it has saved my bacon a few times when e.g. I forgot that a credit card payment and estimated tax payment both happened the day before my client's check cleared.

[bld]

US service members or their families can get the same with USAA. You can choose another account, credit card, or line of credit.