Interesting. My climbing gym accepts credit cards. It also allows me to cancel or freeze my membership online, though.

If I were in that situation, I suppose I would open a new account just for that purpose, turn off overdraft, and transfer money into the account as needed.

Guess I'll never be joining a gym then. No one gets to pull money from my checking account.

EFT?

Electronic Funds Transfer — an electronic transfer from a bank account.

Electronic Funds Transfer, also known as... credit card payment?

No, it's a debit account payment, like a check.