Glossary
Days when the account balance falls below zero.
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Days when the account balance falls below zero.
A negative day is a day the balance ends below zero. Funders count them because they show the account has run out of cushion.
It is a leading indicator and is read closely.
Five negative days in a month signal stress even if deposits are strong.
Overdraft protection can mask negative days on some accounts. Funders read the daily balance.
A negative day is counted exactly, and reviews often look at how many fell in the last 30 and 90 days. Because it is a count, a cluster in an early month that has since cleared reads very differently from a steady drip, and the most recent month carries the most weight.
Overdraft protection can make a day look positive when it is not. Funders look at the account's own balance, so relying on a cushion does not hide the day.
Many can narrow options. A few explained ones are manageable.
See the related guides and the comparison pages, or apply and ask.
No. It is educational information, and agreements vary.
Educational information only. It is not legal, tax or accounting advice.
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