Hey! Let's talk about how to avoid overdraft fees.

Did you know that you could overdraft your account, even though you have recently made a deposit?

Posting order is the sequence in which a bank processes your transactions. The transactions you make may not post to your account in the order in which you make them, and they may not affect your balance right away.

This includes depositing a check. If you put it into your account after the cutoff hours, the check will not be processed until the next day, and the money will not be available until then. Meanwhile, if you make a withdrawal or a check tries to clear that is more than your existing balance, you could find yourself in overdraft territory.

Research your financial institution’s policies, monitor your account balance, keep track of your transactions, and you won’t have to worry about being hit with an overdraft charge.

See you next time on Money Matters!

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