All accounts will have overdraft protection. At your discretion when opening an account, you can apply for a line of credit that is used exclusively for your accounts. If approved, the overdraft account will be equal to your credit score, and will have 12% APR (no matter the credit score). The only condition, is the overdraft line of credit is taken from your account when you have sufficient funds.
Another option is if you have an FSP Bank credit card, you can assign that credit card to your account, and therefore any overdrafts will come out of your credit card. You would obviously be responsible for your transactions, and monthly fee.
If you don’t qualify, or opt out of overdraft protection, the bank will deny any transaction you attempt to make that your combined accounts can’t cover. This will mean that FSP Bank will never charge you an overdraft fee.