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The phrase "actual overdraft" is correct and usable in written English.
It can be used in financial contexts to refer to a real or existing overdraft situation in a bank account.
Example: "After reviewing my account statement, I realized that I had an actual overdraft of $200."
Alternatives: "real overdraft" or "existing overdraft."
Exact(1)
"Reports that we were £59m in debt when I left in 2002 are rubbish - the actual overdraft was £7m after we sold players following relegation".
Similar(59)
Do consumers actually want overdraft service?
The bureau should also require fees to be reasonable and proportional to the amount of the overdraft, and the actual costs to the banks.
You'll notice it invariably says "up to" on those overdraft offers – ie, the actual amount you are offered may end up being different (by which we mean lower).
"Fees from high interest rates and bank overdrafts become more costly than the actual value of the loans".
If you have trouble keeping track of your expenses in relation to your actual balance, you may want to look into an overdraft protection program in which your main account is linked to a secondary account (like your savings account, or a line of credit).
"The video shows people could use more information and feel overdraft fees should be more in line with banks' actual costs," Susan Weinstock, director of Pew's consumer banking project, said in an emailed statement to The Huffington Post.
First, they raised overdraft fees until the fees were often many times higher than the amount of the actual transaction that pushed the account balance below zero.
1. Overdraft service.
Requirements for overdraft services.
3. Overdraft service.
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Since I tried Ludwig back in 2017, I have been constantly using it in both editing and translation. Ever since, I suggest it to my translators at ProSciEditing.

Justyna Jupowicz-Kozak
CEO of Professional Science Editing for Scientists @ prosciediting.com