[header] How to recover after overdrawing your account [title] Move money over from another account. [step] If you have another account such as a savings account or a checking account at a different bank, you should transfer money from it into your overdrawn account. Transfer enough to bring the overdrawn account back into the black or, in other words, to a positive sum. 
[title] Pay back your bank before you get reported to a credit agency. [step] You should try to pay back the debt on your account before you are reported to a collections agency.