If you maintain a low average balance in your primary checking account, be careful when you use your check card or debit card frequently.  Just because the card it works doesn’t mean there is sufficient funds in the account.  You can still overdraw your checking account, be cautious when you know your funds are low.  Remember pending charges may not always be reflected in the amount showing on your computer screen.  You might think you have more money than you actually do, and overdraw your account which may result in your bank hitting your account with insufficient funds fees even when the amount overdrawn was for a small amount.

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