Hello, online banking has no overdraft function. Because it is not limited by time and space, it can provide financial services to customers anytime, anywhere and in any way, so it is also called "3A Bank". Can only be used as online banking, online banking. It means that banks provide customers with traditional services such as account opening, inquiry, reconciliation, intra-bank transfer, inter-bank transfer, credit, online securities, investment and wealth management through the Internet, so that customers can safely and conveniently manage current and time deposits, checks, credit cards and personal investments without leaving home. It can be said that online banking is a virtual banking counter on the Internet. I hope I can help you and adopt it.