$$This program frequently necessitates transfers of fixed increments $($e$.$g$.,$ $$100)$ and may result in greater$-$than$-$desired transfers and resulting interest charges. This describes:An "opt$-$in$"$ overdraft$/$bounce protection $.$This program often requires the account holder to open and maintain a line of credit or a bank$-$issued credit card, and incur interest charges and annual fees or cash$-$advance fees on the sources of transferred funds. This describes:An automatic overdraft loan agreement $.$Automatically transfers borrowed funds from a preexisting line of credit or bank$-$issued credit card as needed into the account holder$$s checking account. This describes:An automatic funds transfer agreement $.$