Maintain your balance!

The good old bank check that gave us the three day "float" is dead. Very soon banks will be electronically transfering funds and making a digital copy of the check, which will count as a legal document. The downside of this is that the time it takes to process the check will go from somewhere around 72 hours to seconds. No more float.

Banks make a substantial amount of their profit from fees, so they can expect to improve their bottom line by charging for all those overdrafts and reduce their costs due to less physical processing of paper. Deposits won't, for some strange reason, clear instantly. That will be a slower, more deliberative process. If you're a small depositor expect to be taken advantage of. But you're used to that.