Reconcile your checking account regularly and monitor balance: By monitoring your balance and reviewing transactions regularly, you will know how much you can spend and can accommodate unexpected changes accordingly.
Set up notifications in the bank: Banks may allow certain payments even if the customer does not have cash (and charges insufficient funds). For example, insurance premiums are likely to be paid even if the bank has been asked to reject the transaction.
In such a situation, you might consider setting up an alert or text message with the bank so they can be notified before this transaction occurs and give them enough time to cancel the payment.
Sign an overdraft agreement with the bank: Consider enrolling in the Overdraft Protection Program. If you select the overdraft option, the bank will execute all permitted transactions, regardless of the agreed limit.
Banks charge an OD fee for this. To avoid high overdraft fees, consider setting up overdraft facilities as they are cheaper than overdraft fees per item.