When a customer's account is negative, the bank automatically injects enough funds into the account to restore the account balance to zero or positive. This operation, also known as "bank red warning", is an effective measure for banks to guard against risks. Banks can boost customers' confidence and enhance their reputation, which is a necessary means for banks and customers to achieve stable development.

Bank offsetting is widely used in various trading scenarios. For example, when withdrawing cash from an ATM, if the account balance is insufficient, the bank will automatically make up for the increase to ensure that users can withdraw money smoothly. In online banking, if the customer's transfer operation exceeds the balance of his account, the bank will automatically offset the increase to ensure the smooth completion of the transaction. In addition, banks are widely used in credit card consumption, pre-authorization and other scenarios.

Banks' offsetting gains can bring many advantages. First of all, it can provide customers with a more convenient, fast and reliable service experience and improve customer satisfaction. Secondly, it can reduce disputes between banks and customers and reduce operating costs. Finally, it can strengthen the brand image of banks and enhance their competitiveness. Therefore, it is a business model that benefits both banks and customers, which not only meets the regulatory requirements, but also effectively promotes the stable development of financial institutions.