Hello how may I help you? I need to transfer some money please Before we continue with the transfer I'm going to need your account information the number is 3456543 Great I found your account now what's the PIN on your account 5678 How Can I help you John Doe I need to transfer $500 from my checking account to my savings account I'm sorry your checking account is currently overdraft would you like to make a payment now how much is it overdrawn? $35