Ideally, by paying a little extra attention to your account you won’t even need overdraft protection. Here are a few ways to avoid overdrafts on your account: Know your current balance and keep track of your spending. Use OnCommand Account Alerts to monitor your account activity. Review your account statements monthly with eStatements. Schedule your bill payments in OnCommand or MobileCommand to control when funds move out of your account. Take action quickly to deposit funds when needed. Funds can be easily transferred between your accounts using OnCommand and MobileCommand. Deposit a physical check in minutes using the MobileCommand app on your iPhone or Android smartphone.