has an overdraft calculator
that allows you to see how much it'll cost if you overdraft your account. As was mentioned in this NYT Bucks Blog
, ING Direct's overdraft policy is much better than most banks. ING Direct only charges interest on the amount they loan out when there's an overdraft. There is no overdraft fee. As you can see in the calculator, the cost is minimal.
For those who need a small loan, this would be a good option if they can get a decent line of credit from ING Direct.