AIBU to worry about an overdraft?

[Jacckie]

I work in financial services and so credit checks are an important part of background screening, job applications etc.

I've always been careful about paying bills etc. on time and passed all checks so far.

But I just logged in to my internet banking after a week and I noticed that have been between £40-£120 overdrawn for a week. :(

It's been a very busy week and I haven't had time to log in and check my balance, and this overdraft is probably the result of grocery shopping etc. I immediately transferred money from my savings to my current account to get rid of the overdraft and I am in credit now.

I am just wondering how much of an impact something like this has on credit checks for jobs etc.? I have seen in the past that a couple of overdrafts have shown up in my Experian report as those orange dots- does this mean you fail the check?

I'm just so worried about this, would love an expert opinion,

I work in Financial Services and I honestly don't think this will be an issue. They are looking for bankruptcy/CCJs, massive debts, consistent missed payments etc.
There are a number of reasons for the checks - making sure you wouldn't be open to getting involved in criminal activity, making sure you aren't likely to commit fraud to try and solve debt problems and ensuring their staff are basically setting a good example.
I honestly wouldn't give it another thought.
Some banks offer an automatic transfer option between accounts - it might be worth seeing if you can set something up so that if your current account balance falls below say £50 funds are transferred from your savings.

I'm about 2k overdrawn. I think you are worrying unnecessarily

I can't imagine such a small amount would make any difference to a job. Most people have had an unauthorised overdraft or has been late with a cc payment occasionally.

I don't mean this to sound harsh but if you work in FS you should know this will barely even register as an issue especially for employment. I have experience in this area and really don't think you need to worry. Mistakes happen

I have an overdraft and significant debt. My credit rating is excellent though because my overdraft is authorised and I always pay my monthly bills on debt. I had my overdraft set at my monthly salary after a payday glitch so all my bills could still be paid without affecting my credit rating.

The annual checks from when I worked in fs we rechecking for ccj, bankruptcy etc, I knew a couple of people at the bank who had their cards withdrawn but none were sacked. Tbh it's not like the stories I used to hear about the old days where the branch manager would dans the most there and then in front of everyone, even if it were 3p

Thanks all for your advice and reassurances!

Obviously, I'm now going to make sure this doesn't happen again.

Can't change what is already done but based on the replies here it doesn't seem like it will be an issue.

It shouldn't impact anything, also some bank accounts now incorporate a free overdraft (up to £500). Talk to your bank. If you are good with money it might be worth arranging a small overdraft facility. It's cheaper to go overdrawn that way and doesn't sound any credit alarms.
I have been overdrawn all my life, work in the same field and have a top credit rating :)