bounced checks could cost more

plans for a bigger fee that can be charged if a check is bounced. In this case potentially going from $20 to $150, which is quite a change.

I'm always careful with check writing and how much is in my account. I have a nifty little spreadsheet that monitors my bank accounts and what I put in and out and transfer.

So I have not gone overdrawn since the bank made a "miscalculation" and did a transfer out of my account twice. Luckily rectified the next day.