So, I finally got off my backside this afternoon and got the overdraft stuff set up for my account. I can screw up to the tune of 5K. (Of course, the whole point of it being that if I actually have it set up, I will not need it.) Gotta love instant approval.
Called the bank to see what has to be done to link it to my account - they’re sending the paperwork, I sign it and send it back and it should be done by the end of the week.