Attach a Line-of-Credit to your Checking account for "Overdraft Protection". If your account goes into overdraft, having a LINE OFCREDIT means you will not incur overdraft fees, since money will be pulled from your LINE OF CREDIT.
A Line-of-Credit can also serve as “cash on hand” and be a stand-alone product serving as a revolving Line-of-Credit, when you need it the most. When your car needs a quick fix or your water heater breaks, you have the cash to fix the issue and move forward.