yes, you can certainly apply for an overdraft with your joint account, as most banks offer one, but you will have to pass a credit check to be successful. shopping and restaurants can be found on the main street in the city. i had no where to be….no one waiting on me…nothing to do!! i can’t do anything beyond that, and if even when i try people still think poorly of me or get the impression that i am anything less than intelligent, then that is their problem. when we work we move and continuously generate static electricity. 