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  • Overdrawn
    - Non-sufficient funds
    - Insufficient funds

    These terms describe an account that does not have enough money to cover all the charges made to it. When an account is overdrawn or has insufficient funds, it means that the account holder has spent more money than what was available in the account. This can result in fees or declined transactions.

    A "loan" is not typically used to describe an account lacking funds; instead, it refers to money borrowed that needs to be paid back with interest.

    "Overdraft" is related to having a negative balance in an account but is more specific to a service offered by banks that allows an account holder to withdraw more money than is available, usually subject to fees.

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