Register to receive daily balances and statements. Use these documents to determine how much money you have to spend going forward.
Pay close attention to “pending” items. These are charges or purchases that you have made that may not have cleared your account. Most banks will temporarily deduct pending charges until the actual transaction clears your account. This is a great way to avoid overdraft charges.
Most charges will show up within an hour or so; but it is prudent to keep up with expenditures incase some charges take longer to post.
If you have monthly service fees for your account, be sure to deduct them from your balance so you don’t forget at the end of the month.
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