Abstract: Systems and methods provide variable service fees for protection against overdraft of resources. The resources can be monetary or non-monetary and generally are associated with a service. Protection against overdraft relies at least on authorization of a request for an OD transaction, the request having one or more data indicative of a service transaction that triggers an overdraft condition leading to such request. Authorization or denial of such request is based on one or more rules applicable to the one or more data. For an authorized OD transaction, and based on at least one rule of the one or more rules, a variable service fee is assessed to an overdraft account linked to the overdraft transaction. Assessment of such fee affords protection against overdraft, which allows utilization of resources even in scenarios a resource allocation is exhausted.