PIB TIP: USE OVERDRAFT PROTECTION. Most banks offer this service, which automatically draws from your savings or credit card account to cover a bad check. If savings, you obviously need to keep a good stash to make it work. Linking to a credit card is a less favorable option, but paid off quickly it’s still a lot less costly than bouncing a check. The Partners in Business program is produced by Overdrive and the consultants at ATBS, the nation’s largest owner-operator business services firm, and is sponsored by Schneider National Inc. and Freightliner Trucks.