Here are five tips for how to beat overdraft fees:

1. Remain aware of your balance at all times: By continually checking your checking account balance at least once or twice per day, you can stay in close contact with your current balance. This will help you avoid writing checks or making debit or credit purchases that could otherwise put you over the edge – forcing you to incur more fees.

2. Keep padding on your checking account balance of at least $200: Another strategy is to simply keep more money in your checking account as padding against possible overdrafts. Not everyone has the money to do this, however.

3. Link your checking account to a backup savings account: Most banks will offer you a way to link your checking account with a backup savings account. However, this also requires that you keep money in the savings account at all times.

4. Pay for everything in cash: You could just avoid paying with credit, debit and check altogether. This would completely solve your problem, but it is not a convenient option for most people.

5. Change banks to one that will never charge you an overdraft fee: Finally, the easiest solution is simply to switch banks. That’s right, and there are banks out there which will allow you overdraw your account but still won’t charge you an overdraft fee. Switch, and you will never have to worry about paying these fees again.

Follow these five tips for how to beat overdraft fees.