<prompt> Human: Im a part time student, part time lifeguard from New Zealand.I have to come up with 200 in 48 hours to pay rent, and my account balance is -950 within my 1k overdraft.Can I open another account with a different bank, including overdraft access and pay rent that way? Any advice on how to deal with this situation? maybe some tips on how to be more frugal would help too!Thanks for your help  <response>: I can almost guarantee that your landlord will give you a better deal than the bank will on overdrafts. You need to call them first. 