I use this account often and have not had an overdraft for the entire time I had it - 9+ years. Everyone else is fine with the checks, but one was declined at the local Dollar General where I have shopped and used these checks ever since they opened. There is absolutely no reason for the check to be refused. When I called Certegy, they wanted a lot of personal information such as my social security account. No way! Dollar General just lost my business.