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It is not recommended to write a check before you have sufficient funds. With the electronic nature of banking, a check can clear the financial institution the same day you write it.
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Overdraft Protection
Many financial institutions will offer you overdraft protection through your credit card or savings account. When you write a check for more than is in your account, the overdraft protection will kick in and the check will be covered. If you are opted in for this service, there is a nominal fee associated. To opt in ask a representative for more information at 888-883-7228.
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Balancing Your Bank Statement
Each month your financial institution will send you a statement detailing the activity in your account. This includes all the checks you wrote, ATM withdrawals, deposits, debit card charges, fees and any other activity on your account during the month. It is important that you carefully review this statement to make sure it agrees with your records.
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Keeping Track
It is helpful to keep track of your deposits (credits), or checks you write, debit card charges, ATM withdrawals, and fees (debits). You can use a check register to record the check number, date you wrote the check or made the deposit, who you wrote the check to, what you wrote the check for and the amount of the check.
