[ars]

Allowing overdraft for checks can save you money though since you'd have to pay the depositors fee otherwise.

A good bank let's you disable overdraft for debit card while enabling it for checks.

[snuxoll]

Solution: don't write checks? I use cashier's checks wherever possible, I get them for free and there's never a potential for overdraft nightmares since it comes out of my account right away - the only time I've written a check in recent memory is the registration fee for my daughter's preschool since my wife wanted to pay it on-the-spot if she liked the place.