The best way to avoid Overdraft and Bounced Check Fees is to manage your account so that 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 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 utility, insurance or loan payments.
Keep an eye on your account balance, and review your statements each month. Remember that some checks and automatic payments may not have cleared yet. Between statements, you can find out which payments have cleared. You can also check your balance by calling HFS FCU, by logging onto your online banking account, or by checking your balances at an ATM. Be sure to find out the available balance amount in your account, which is your current account balance not including any pending transactions that have not cleared.