 So it's obvious that you've got to keep enough money in your checking account to stay in the black. Otherwise, you'll write a hot check and that sucker's going to bounce. And that's illegal. Once a month, your bank will send a statement to you so you'll know just where you stand. Listing all your checks and charges and deposits too to help you stay ahead and keep things in hand. And you should learn to be real careful with your checkbook and your checks and keep track of every little amount.