Do you ever wish you could go back in time and pay better attention to the first time you learned to balance your checkbook? It seems easy enough, but unfortunately too often we forget to write things down and the snowball effect happens. A member service representative found this site and wanted to share it:

http://www.bankrate.com/brm/news/debt/20040723a1.asp.

Below are tips to avoid overdrawing your checking account from bankrate.com:Enter every transaction into your checkbook register. Make sure to include everything: dates, checks, debit card purchases, deposits, automatic or preauthorized withdrawals or deposits and ATM withdrawals. Just as important, keep a running total of the balance of available funds.

Consider keeping a cushion of $100 or, in your case, as much as $900, that is not recorded in your checking account register as a buffer. When your checking account gets low, you will still have a safety margin.

Sign up for overdraft protection either from a savings account (where you could put the $900) or in the form of a line of credit. If you believe you will not abuse it, go ahead and sign up for this added protection.

Bottom line: If you do not have the money in your account, do not write the check, do not use your debit card and do not withdraw money that does not exist from your account.

Le Ann Langston

Hello! I’m Le Ann Langston and I’m the Director of Member Services Northgate for Verity Credit Union. Member Service Manager is another name for the call center manager. Talking on the phone was a hobby of mine as a teenager and now I have made a career of it. If only I had a cool headset when I was 13! In my spare time I enjoy yoga, writing and reading just about anything. I am slightly addicted to TV and am currently hooked on a number of shows. Given this list of indoor pursuits you may find it hard to believe that I enjoy traveling to new places. Most people would never know that at one point I almost moved to London just for a change of pace.

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