How Can I Avoid Overdrafts?
What can I do to avoid overdrafts?
Know your balance
- Take advantage of free online banking to check your account balance, transfer funds and make loan payments anytime. Enroll now or log in in to your online banking account.
- Set up account alerts. We'll text or email you when your balance is low.1 Log into your online banking account to set up alerts.
- Download City's mobile app and check your balance, transfer funds and more. All while on the go.
- If you have a joint account, designate one person as the account manager.
- Review your finances weekly. Set a time each week to go over your spending.
- Keep a running account balance by entering all checks, ATM transactions, debit transactions, account fees and deposits in your register.
- Balance your check register against your statement every month.
Make the Most of your money
- Never write a check or make a charge on your debit card for more than you have in your account.
- Make sure deposits into your account clear before withdrawing cash against those deposits.
- Consider direct deposit.
Keep your account safe
- Report stolen checks or debit cards immediately.
- Don't use other people's checks or debit cards or let them use yours.
- Update your personal information when moving or changing names.
- Keep your checks and debit card in a safe place.
Know your overdraft protection options
- Review your overdraft protection options online or call or visit your local branch to learn more.
- Use a budget worksheet to determine which overdraft option is right for your income and expenses.
Use check writing best practices
- Always use a pen.
- Never sign blank checks.
- Be cautious of post-dating checks.
- Destroy voided or unused checks and deposit slips.
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