Wow. Not sure you are going to find a bank that will accommodate someone not keeping track of their money. Unfortunately, with the onset of online banking, people no longer keep a checkbook ledger or balance that ledger each month (that was always such a pain.) I stopped using debit for the reasons you state: transactions don't get posted right away, a dangerous situation. I finally felt comfortable moving to using a credit card only, keeping my cash in my checking account and paying my credit card when due. If you can get into the habit of paying for everything with your credit card, spending only what you need on the credit card and not take money out of your checking account, then that money will be there to pay the credit card. And if it is a rewards credit card, then you will make some money on every purchase. People get scared at the idea of using only a credit card because of interest fees if they can't pay it off, but how much more will you pay in interest than those NSF fees?
