An overdrawn account is when there are not enough funds in the account to cover a transaction. The account becomes negative and the bank charges an overdraft fee. Synonyms for an overdrawn account include a negative balance, an overdraft, a deficit, and a shortfall. These terms all refer to a situation where the account holder owes money to the bank because they have spent more than they had in their account. It is important to monitor your account balance and avoid overdrawing your account to avoid unnecessary fees and negative consequences on your credit score.