I have no had it happen since I switched to Huntington, but if it does...they take the funds from my savings.
Although, I closed one Huntington acct and opened another one...the closed one was still tied to my paypal acct....I made a purchase from Ebay. Instead of Huntington declining the transaction...they let it come thru....paid it, then charged the shit outta me cause the funds were not there....I called and said "you dumb fucks...I CLOSED The acct"...They said an acct is never "closed"..They reversed it all though...I was pissed. It got crazy though..they were hitting it with $7 a day while it was under.