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collapse and merge other accounts you have into one account. so that s one of the things you want to do. in an e-mail? the other thing you want to do, also, is have notification where you re notified by e-mail or text that you re getting close to the balance and you want to check your accounts every day on line. not only will big banks start charging for using your debit card but also if you bounce a check, the fees are going to get jacked up. how do you get around that? the way you get around it is you have to stay aware. first thing is sign up for an e-mail or a text program. also, it s possible that you can consider having direct debit on your credit card for certain bills. but then you have to make sure that you pay those bills every month. what does the e-mail do? does it say you re getting close to your limit? yes, it would. you set a limit or say you want to know every transaction in excess of a number and then it notifies you so you can sort of stay on top of it.

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