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When a transaction request is made on a Visa debit card for an amount larger
than the account's balance, one of several things can happen:
1. **Transaction Declined**: The most common outcome is that the transaction
will be declined. This is because a debit card uses the funds available in
the linked bank account. If the account does not have sufficient funds, the
transaction cannot be completed.
2. **Overdraft**: Some banks offer an overdraft facility, which allows the
account holder to temporarily owe the bank the amount that is overdrawn. If
the account is set up for this, then the transaction may go through, but the
account will go into a negative balance and the account holder will owe the
bank money. This often comes with fees and interest.
3. **Overdraft Protection**: If the account holder has set up overdraft
protection by linking a savings account or credit card, the bank will
transfer funds from the linked account to cover the transaction. This may
also come with fees.
4. **Insufficient Funds Fee**: Even if the transaction is declined, some
banks charge an insufficient funds fee (also known as a bounced check fee or
non-sufficient funds (NSF) fee). This is a penalty for attempting a
transaction without enough money in the account.
Remember, the exact outcome will depend on the specific policies of the bank
that issued the Visa debit card. It's always a good idea to understand these
policies to avoid unexpected fees or declined transactions.