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First rule, don't use Bank1. They are more evil than any other bank I can think of.
Second rule, don't overdraft your account. Yeah it can be tough, especially when somebody sits on a check for a long time and you forget about it.....but that's why you balance everything yourself. In which case you'll know exactly how much money *should* be in the account regardless of what is.....so don't spend what money is there that shouldn't be there.
You can also easily get a PDA and enter things as you buy them using the PDA, then sync up.
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