It can happen to anyone - you make an honest mistake in balancing your checkbook or forget to write down a payment you made. You end up with less money in your account than you thought you had and that results in a payment being returned and fees being charged to your account. Avoid the hassle of bounced checks and costly fees by taking advantage of School Systems Overdraft Protection Options. Overdraft by Shares and Overdraft by Loan can be used individually or in combination depending on your needs.