My partner and I are applying for pre approval tomorrow. While printing my two most recent bank statements today I realized it shows one overdraft per statement. I get paid biweekly on Fridays, but my banking app shows an available balance on Thursday that includes the next days pay check.
I have been transferring money into my savings account at the same bank from my checking on Thursday. My banking statement is showing that transfer an an overdraft until the next morning when my paycheck is posted. No overdraft fee and I have plenty of money on my savings account so I wasn’t spending money I didn’t have. Will this affect the loan approval? I used to transfer what was left in my checking account into my savings account after payday but recently switched to moving it to savings first because I tend to spend less if I move it first.