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kowenicki said:
can we just clarify

In the UK:

Most banks have a free overdraft "buffer zone'

Authorised Over drafts are not at ridiculous interest rates

Credit Unions exist in the UK

Banking in the UK is free if you remain in credit, No banking fees. No ATM fees (unless you use one of those shitty ones you find in Motorway service stations). No debit card fees.

If you write a cheque that talks you overdrawn and the cheque is honoured then you only get charged by your own bank.

If you end up with an extortionate rate for going over your buffer zone.. tough.

That's what i had originally thought though your first repsonse for some reason made me think otherwise. 

What does the buffer tend to be?