<prompt> Human: Im usually pretty good about keeping track of my funds, especially when Im down to just a few dollars left. But this is something thats happened three times now.I bought a few Christmas gift from Amazon the other day. I checked my bank account immediately afterwards and saw the money was taken out already and my total amount reflected that.Next day, roommates wants to pay rent early. Shoot, do I have enough? Check my bank account to see that I just barely have enough. I made sure there was no pending transaction either. I take out the money and am left with a little under 2 in my account.The day after that I get an email about overdrafting. I check my account and sure enough I had overdrafted. The amounts were for the Amazon purchases. This has happened THREE TIMES NOW. Is this fault on PNC? Amazon? Or my fault for not knowing that those transactions will magically disappear then reappear?I was always under the impression that Amazon purchases werent withdrawn until they shipped. And this was always the case with my old bank. Maybe the bank that Amazon deals with and PNC just dont mesh well or something? I dont know how this works, but I cant keep affording these overdraft fees.  <response>: You need to do a better job budgeting and tracking expenses. Back in the day people used to keep a check register for that purpose, but today its even easier because you can do it electronically. Dont rely upon the online balance. It can be wrong for various reasons as youve already discovered. You are responsible for tracking your spending and knowing how much money is in your account. Its not PNCs fault or Amazons fault. If youre cheap you can use Google sheets or Excel to track spending, but start tracking everything that comes into your account and everything that goes out. If you purchase something on Amazon you count that money as gone today even if it takes 2 days to clear. That way youll never be surprised and never have an accidental overdraft again. 