Overdrafts and ATM fees are classic bank drains. Many banks charge a fixed fee per overdraft, and some charge additional non-sufficient-funds (NSF) fees if a transaction is returned. Consumers sometimes rely on overdraft protection, only to find repeated fees mount quickly. Avoiding these fees often requires low-tech habits: track a running balance, keep a small buffer in checking, or link to a low-cost backup. Compare fee schedules and consider a bank that offers low or no overdraft fees. This question asks which habit will best reduce overdraft risk.