Amazon sits on the deposit for at least 2 days before they actually start the transfer. If you do have a negative balance they will bill your CC on file for the balance due.I'm not sure if they will try and withdraw from your checking too, since I would never leave any money in a account linked to a Amazon account that has a negative balance.
If you don't want to risk having your funds held for 30-90 days and just want a account with a short shelf life, there is a way to avoid the holds.
What I do is just don't ship the first few orders, but do confirm shipment with Amazon. The money makes it into your account after 5 days and then you can apply that money to orders you actually fill. You have about 30 days before you need to refund the first orders. Amazon sends a e-mail to a buyer with the shipping delivery window and tells the buyer it's not necessary to contact the seller until the shipping window has passed. So then if something goes wrong, you are holding Amazons money verses Amazon holding your money. I like those odds better.
If Amazon suspends the account you can just refund the first few orders and the account should zero out. You won't have to wait 90 days for your money that way. With some buyers you might be able to offer to reship the items that didn't arrive and they will be happy if you offer them a discount or something. So if you made it by the review by then, you can fill the order if you want.
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