You check your bank account and you see a negative number... before calling your bank, deposit money immediately. Make your bank account above $0 again!!

If you deposit money quick enough, you can make the "cutoff time" for the bank.

Making the "cutoff time" means you avoid paying an NSF fee—known as the “bounced check” fee (which can cost up to $50). You would also avoid paying interest on your negative balance.

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Now let's say you didn't make the "cutoff time" so you got hit with that nasty NSF fee. Call your bank and tell them you'll be more careful next time, and they'll waive that fee for you.