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for debit cards the best thing you can do is get a ledger. Throw it in your glove box or something, whenever you make a purchase write it in. Balance it just like a check book.
I had a run it w/ Bank of America where I made no purchases for almost a week, checked my balance, saw that there were funds and paid towards my vehicle - to the limit of my balance. Problem is it put that balance close to zero when junk I had purchased almost two weeks before suddenly showed up. Now even though these items cleared ahead of the billpay, good old boa bumped the larger purchase infront of the smaller ones so I overdrafted about 4 times at 34 bux a hit- instead of just once on the carnote.
lesson learned- debit cards kill
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