In answer to the question raised in the previous post, it depends on the financial institution and what specific type of account you have. Give a call to confirm the terms and conditions of your particular account and any overdraft protection available.
Also important to know - all consumers should check their credit reports at least once a year. One of the few websites that truly offers this for free is:
https://www.annualcreditreport.com
You do not need to pay for the FICO score unless you have a reason to think that your account has negative information or you will be applying for credit (or you are just curious), as you can tell from the credit report if there is suspicious activity or not. I would suggest that since there are three reporting agencies, and you are entitled to one free report from each once a year that you rotate checking your report every four months. For example, in January check through Experian, in May through Equifax and in September through TransUnion. Check out the website for more info.
Hope this is helpful.