What is the name for an automatic loan made to your checking account whenever your account does not contain enough cash to cover the checks that you have written against it?

Overdraft Protection

Explanation:

The situation or circumstance of overdraft happen or occur when the money which is withdrawn or drawn from the bank account of the user and the balance available goes beyond zero.

The overdraft Protection is the option which is offered or provided in the bank accounts which prevent the check, debit card as well as ATM transactions to cause the account balance to go beyond zero, by triggering the overdraft fee on NSF (Non - sufficient funds) fee.