Which of the following services does overdraft checking provide?
a. Does not allow a person to withdraw more money from a bank account than he has in the account using an ATM machine.
b. Connects checking accounts with savings accounts to enable checks to clear when there is not enough money in the checking account.
c. Instead of just refusing to cash an overdraft check the bank sends a note explaining that the check cannot be cashed because there are insufficient funds in the account.
d. All of the above correctly explain the purpose of overdraft checking.