<prompt> Human: Hullo, So Im really bad with money. Its to the point where I no longer have a bank account due to issues with forgetfulness when it comes to preauthorized payments and overdraft fees. So now I have a preauthorized debit card that wont let me overdraft and my direct deposit is put on it.Im trying to switch to a cash envelopes system as a new strategy so I can physically see the budget Im fulfilling and am trying to figure out how to withdraw 400 from an ATM and then how to break that 400 so I can purchase money orders for bills, etc. Starting next week Im just going to have a paper check cashed at a check cashing place to avoid this issue, but I really need help with figuring out how to do this today.Please dont judge me, but when I was new to adulthood, I overdrafted some accounts so bad that my Chex Systems report is abysmal and Im actively trying to pay off those debts. However, in the meantime, Im trying to make this work and fix the mistakes of my past so I can eventually get a new checking account with a better understanding of how things work. This is why I cant just walk into a bank branch of the bank I work for and ask them to cash my check. Its embarrassing and humiliating, I know.UPDATE: Thank you all so much for your help and thoughtful advice! I took a little bit of everyones advice and turned it into one big plan. Im going to start the snowball effect by paying off one of the banks that I still have a Savings Account at at a 0.00 so once that is paid off I can cash checks there and start using the account to hold funds until Im ready to pay off other debts and also save up for emergencies. Until I have that account paid off however, I am going to use an ATM that doesnt charge my prepaid debit card any fees luckily there is one up the street and ask the place I buy money orders from to break the 20s up. Thank you so much for your time and for your assistance today. I really do appreciate it and I want you to know that if I ever turn into a person actually in control of their finances I will remember you guys. 3  <response>: At least, I think its great that you are trying to do something about it. 