Oh, and another suggestion... when you _know_ money is razor-thin? Go to the ATM, verify that you have enough money to cover anything that's pending, then withdraw enough cash for running money. Then you pay cash for the $2 cup of coffee and don't risk the overdraft charge. I hate carrying cash, but I'll do it when I know money is tight and I need to be uber-cautious. When the cash is gone, I'm done.