Most banks do not automatically offer overdraft protection, but you can opt-in when you sign up for a checking account. You can usually sign up for it later as well if you don’t initially do it.
Overdraft protection will allow you over withdraw your bank account for a small fee. Having these protections keeps your card from being declined. It can also give you extra funds if you need them in a pinch. If you don’t opt in to overdraft protection, your card will be declined if you don’t have the proper funds.