Use your debit card for purchases. If the purchase exceeds the amount of money in your checking account you will overdraw your account. For example, making a $50 purchase with your debit card when your checking account has only $30 may result in an overdraft. Use your debit card to withdraw money. Withdrawing more money than your checking account holds results in an overdraft. Step 3. Write a check for more money than your checking account can supply. If you write a check for $60 and your checking account has only $55 in it, you will overdraw your account.