Okay, in this "fictional" example say someone was just charged some overdraft fees (I know, find a bank that doesn't have them first, right?) from reoccurring payments putting the checking account into the negative. We'll say -$225 or so.
Now, if this person happens to have $300 in an Ally savings account, do you suggest they use that to cover their account & bring it to the positive? Payday isn't until Friday & will only be for $500. Leaving $225 for the next week, which isn't ideal for the 1st of the month. I know I can try to call & have them waive the fees, but I don't think they'll agree to that unless the account is in the green. (It's a credit union, but the only other option to avoid fees is to stop/deny those reoccurring payments.)
What would you do personally in this situation?
***I know the absolute first step is to get my life in order so I'm not paycheck-to-paycheck anyway. COVID has just been a wrecking ball in my life, causing me to make way less money than I did before after being laid off.