Pick the right account
Choose $0-overdraft "decline" settings or accounts with courtesy buffers instead of paid overdraft.
Turn on real-time alerts
Low balance, large purchase, and deposit alerts help you intervene early.
Link accounts
Connect savings as a backup (ensure the transfer fee is $0).
Change payment order
Schedule bills after payday and avoid weekend/holiday processing surprises.
Use a cash buffer
Maintain a small minimum (e.g., $100–$250) to absorb timing hiccups.
Frequently Asked Questions
Does overdraft protection cost money?
Some banks charge; look for $0 transfer fees.
Will debit be declined?
If you opt out of overdraft, yes—by design to protect you.