How to Save Up to $3,000 a Year

The Leak: Bounced Checks

The fix: Sign up for overdraft protection and link a savings account, credit card, or line of credit to your checking account. Almost all banks offer this service for free or for a nominal annual fee of $5, and they typically charge $3 to $5 per transfer. You're responsible only for paying the interest on any credit you use, and you can avoid that by using the money in your savings account as your backup.
Savings: $14 to $100, taking into account bank and merchant penalties.