The word "over-draw" refers to exceeding the limit of a bank account or withdrawing more money than is available. The opposite or antonym of "over-draw" is "underdraw." This term is an accounting phrase that refers to taking less than the amount available in a bank account. By doing so, there are no fees or penalties imposed on the account holder. Instead, an underdraw can lead to accumulated interest on the remaining balance, making it a useful strategy for reducing debt. Moreover, the term "underdraw" can also be used in other contexts, such as underestimating one's capabilities, skills or potential.