You can try to stop bank NSF charges using a new federal law. It lets you tell banks not to put through credit card charges if they overdraw your account. Ask your bank about this and sign the related document to try to stop bank NSF charges. However, even with a receipted copy of the signed form, this does not stop NSF charges for recurring subscriptions or checks.
As a result, I see many clients with excessive bank NSF charges. You can completely stop bank NSF charges by using a prepaid debit cards. These prepaid cards are especially good for recurring charges. The card company pays nothing unless you have money available, but they also do not charge for trying to overdraft.
The cost of having you stop bank NSF charges with prepaid debit cards is very low, especially with my suggested Amex card. You add to these prepaid debit cards it with Money Pack cards, from 50,000+ retailers, including:
Each Money Pack card can add up to $500, $4.95. Here is an excellent comparative review of these prepaid debit cards, which stop- banks NSF charges.