That Americans have “lines of credit” rather than overdrafts. See my last post if you’ve no idea what I’m on about. He also said that these are less common in the US and need to be negotiated carefully since it is a felony in some parts of America to write a cheque (or rather, a “check”) without adequate funds to cover it.
Another reason why I prefer to live in Europe.
Overdrafts plus more generous annual leave/holiday/vacation/I know you know what I mean.