The best way to avoid overdraft and bounced check fees is to manage your account so you don't overdraw it.
Keep track of how much money you have in your checking account by keeping your check register up-to-date.
Record all checks when you write them and other transactions when you make them. Don't forget to subtract any fees.
Pay special attention to your electronic transactions. Record your ATM withdrawals and fees, debit card purchases, and online payments.
Don't forget about automatic bill payments you may have set up for utilities, insurance or loan payments.
Keep an eye on your account balance. Remember that some checks and automatic payments may not have cleared yet.
Review your account statements each month. Between statements, you can find out which payments have cleared and check your balances by calling Simmons Bank 24-Hour Telephone Banking or by checking online using Simmons Bank online banking or at any Simmons Bank ATM. Be Sure to find out the actual amount in your account – your account balance not including any funds available to you through 'courtesy overdraft protection', or 'bounce coverage', plans.
Sometimes mistakes happen. If you do overdraw your account, deposit money into the account as soon as possible to cover the overdraft amount plus any fees. Depositing money into your account can help you avoid additional overdrafts and fees.