Sign up for automatic funds transfer: Instruct your bank or credit union to automatically transfer money from your savings or other accounts to your checking account to cover any shortages. Note: you may have to pay a fee for this service.
Sign up for low-balance notices: Sign up for text or email notices from your bank or credit union if your checking account balance drops below a certain amount.
Make sure funds are available: Make sure deposits into your checking account are actually available for your use before you spend that money. Note: review your bank or credit union’s “funds availability” policy.
Take advantage of technology: Frequently check your account balances online, by phone, or nearby ATM machine.
Check all transactions on your statements: Carefully review your monthly account statements, looking for fraudulent transactions as well as taking into account any checks written and deposits made that may not appear until next month’s statement.