One way to avoid these needless fees it to link your checking account to a savings account that can be used to cover any overdraws.
This service might not be free, but it's probably a lot cheaper than the standard $30 overdraft charge.
Another option: always keep a cushion of $100 or more in your checking account. According to the money experts at bankrate.com, most overdraws are for small amounts, often $20 or less.
Some people have a hard time keeping track of their balance because of automatic bill pay. In that case, go back to a manual system that lets you approve each payment.
Should you do get dinged for an overdraft, get that money into your account as soon as possible. Some financial institutions charge you once for the overdraft and then again in few days if your still have a negative balance.
6 ways to avoid pesky overdraft fees