Bankers get regular reports that look at the maximums and minimums on their client's accounts. A good client for them is when they see :
- A bank account that is staying in credit
- Regularly swinging from debit to credit (i.e. overdrawn to being in credit once more.)
- The overdraft limit not being hit.
Check your maximum and minimums and monitor the trends. If the balance is falling be careful. If the account is swinging more into debit than credit - be careful.