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Sure, the banks have been hit hard by the recession, but they are enjoying gross profits in one area: overdraft fees. USA Today reports that banks are expected to pocket $38.5 billion in 2009 from insufficient funds and overdraft fees, more than double the amount banks earned a decade ago.

In light of the bad press they have suffered in the past year, banks are eager to rebrand themselves as kinder and gentler. A few—including Chase, Bank of America, and Capital One—have capped the maximum number of overdraft fees it will charge any single customer in one day to four. At $35 a pop, this still causes customers in the red $140 a day—a hefty price tag for people who are already suffering financial strain. This is down from 10 in one day; Can you imagine getting charged $350 in one day due to overdraft fees?

How do you avoid this? Here are two ideas:

1. Call your bank and ask that it stop automatically paying transactions that overdraw your account. While they are not currently required to oblige your request (though a federal regulation might make it mandatory in months to come), banks might be eager to please unhappy customers by declining transactions that put your account in the red and saving you the overdraft fee.

2. Give yourself a $100 or $200 cushion—at least on paper. Today, make an adjustment to your bank ledger so that your records show that you have $100 or $200 less than you actually have. This will help protect you from overdrafts caused by charges that might have slipped your mind.