If you’re worried about auto charges emptying your account when you need the cash for more immediate things, have another account where you can stash some money so it’s always accessible.

For example, this week I knew I was gonna get a big charge and didn’t have the $$ to cover it. But it was pre-authorized, and it was going to go through and put me to negative.

So I moved gas money (required for earning money) into my Chime account, so I could keep earning when my main account went negative.