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Posted by Carley Stein (MONEY FORUMS: 6, Answers: 2)
Asked on November 2, 2015 9:59 pm
Carley, it is usually a good idea to open a savings account linked to you checking account when you open an account at a bank. Keep a small balance in the savings account. Then set up your online banking and set up alerts on your account if your balance gets below a certain level, (or to be alerted to any use of the card so you know right away if someone else is using your card!) Once alerted to the low balance, you can get online and easily transfer an amount from your savings account to avoid overdrafts. Some banks will message you if you DO overdraft and allow you to transfer these funds via a text message to avoid overdraft fees.