My husband and I use our debit cards for practically everything and have auto-debited items and many transactions, so it's pretty difficult to keep a paper register.
I check my online balance everyday and rely on that balance to be fairly accurate especially with debit card purchases. After hundreds of dollars in overdraft fees, I give up on Chase and am closing my account. They do not have "real time" online banking. You never know what your balance is. They post debit/credit items days later (up to 6 days) then 20 items clear at once and the smallest ones clear last each with a $35 overdraft fee. I had a branch bank balance of $98 and when I came home and checked the computer I was negative $38??? Customer service tells you that their systems update at different times.
The whole point is not about lack of funds, it is the deceitful practice in which Chase runs their online banking. Especially for those of us who rely on it for accuracy.
Example: Tonight's online banking shows Monday's items cleared today (Thursday), Tuesday's items cleared today (Thurs.) with 3 overdrafts ($105 fee charged) and Wednesday's items cleared (Thurs) with 4 more overdrafts ($140 fee). If Monday's and Tuesday's didn't clear until Thursday, why are Wednesday's clearing at midnight (Thurs. a.m.) with overdraft fees? The $105 overdraft fee caused Wed's. items to be negative. I had no chance to avoid a second overdraft fee because of the way they post and clear the items.
Basically they overdraft the overdraft, giving you no time to pay the first overdraft and bring your balance up. All I can do is change banks to one that has real time banking and hope that somebody eventually investigates Chase on this double dipping. This seems to be a common complaint with Chase when I searched on the internet.