Overdraft transfers from your draw accounts and credit cards no longer happen in real time for checks or ACH transactions. Instead, these transactions will show as pending in your checking account, which will have a temporary negative balance until the evening when overdraft transfers will process and bring the account balance to zero. If funds are from a draw account, funds will be placed on hold in the draw account until the transfer takes place.
Overdraft transfers still occur in real time for ATM/debit card transactions.