A chase bank account has about 10$ in it but the account will not allow an overdraft using the actual debit card&a direct deposit for funds needed will not be available for about a week... Can you pretty much "loan" the money needed to his/her self if the account holder deposits a personal check written to themselfs into an ATM ?if so, how much will be available right away?how long will it take to have the entire funds available? What if you deposit the personal check on a Saturday