Even if you have overdraft protection, this is a habit that speaks of a deeper problem that should be addressed. Write down each deposit and withdrawal in your check register, including all debit and ATM transactions. Regularly balance your checkbook, and reconcile your bank statement within one week of it arriving. If you do these things, but continue to overdraft your account, the overdraft is no accident. Do not continue in this pattern. Instead, reach out to a legitimate credit counseling agency for help resolving whatever is at the root of this problem.