To give a tip to the waitress at a diner.

To repay your uncle who covered the cost of your first semester textbooks.

If she signs up for direct deposit with her employer, the money will already be in her account the morning of the 1st.

Deposit the check through her mobile app on the 1st of the month and do a cash withdrawal from the ATM each month on the 2nd; hopefully the check clears in time to avoid fees.

Wait a week, as it is fairly common for the bank to catch mistakes like this.

Contact her bank immediately as it appears that her account may have been hacked.

Write a check to pay the rent on your apartment.

Swipe a prepaid card to pay for your fast food purchase.

Ask his employer to set up direct deposit.

Use online bill pay.

Using your debit card to pay for groceries at the supermarket.

Writing your monthly rent check which you will mail tomorrow.

Once you set up online banking, your bank will waive overdraft, ATM, and monthly fees .

When using online banking, you can request transfers, bill pay, automatic savings, and other features without visiting the bank branch.

Recording all of your transactions in a check register.

Leaving the “Pay to the order of” field blank until the very last minute, so that no one else can steal the check.

You will likely be charged an overdraft fee for EACH transaction and also will need to repay the bank for the amount overdrawn ($29).

The bank will provide you five days to add funds to your account to cover the overdraft and no fees will be assessed.

$333

$273

Debit card transaction from purchasing snacks at a local convenience store today.

Check that you mailed to your cousin for his birthday today.

Overdraft fees

Wire transfer fees

It will alert you when your balance falls below a certain amount, and you will know to stop spending until you can add additional funds.

When triggered it will automatically transfer money from your savings account so you don’t overdraw.

Because you turned down overdraft protection, the bank will not allow you to overdraw your account so your card will be denied in these 3 instances.

You will likely be charged an overdraft fee for EACH transaction and need to repay the bank the funds overdrawn ($29).

Without a checking account, you are unable to cash your paycheck or pay your taxes.

A checking account facilitates the rest of financial life by making your money available when and where you need it while also keeping it safe.

He wants to minimize the fees you might pay to the bank.

He might receive a sales commission if you sign up because banks generate income by charging fees such as overdraft.

Join a local credit union in CA with no monthly fees and low overdraft fees.

Open an account at a large national bank with a lot of branch locations.

Create complex passwords that are a long combination of letters, numbers, and symbols.

Share login information with a few friends and family members so that trusted individuals can access your money in an emergency.

This check was written by John and paid to another person or business.

This check was written by John’s employer.

John's Savings account balance decreased by $50 and his Checking account balance increased by $50.

John's Savings account balance increased by $50 and his Checking account balance had no change.

$43

$40