I see what you mean. Yes I expect that the rest of the app will still be dependent on the user’s balance which will presumably turn negative, as soon as the transaction that takes it below 0 is authorised.
I can’t see a reason why the app’s behaviour would change depending on whether that negative balance was labelled as “in the overdraft” or not though.
There will be a “buffer” once the user’s in the red too but again, I don’t think this will have an effect of the rest of the app either.
I just think that telling the user that they’re “in their overdraft” while they’re not paying for it, would cause more confusion than it’s worth.
Instead, it just needs to be clear:
- When the user’s entered the buffer.
- When they’ve crossed the line & are about to be charged, once the transaction(s) settle.
- When they are being charged.