To find a good range for your balance, first determine a minimum amount. Maybe itÆs the threshold at which an account has a fee or just an amount you feel comfortable with as a cushion. When you fall below that threshold or hover near it for a period of time, youÆll know itÆs time to transfer money from savings, create a budget to cut spending, or find more money. Even a bank loan is likely to cost less than accumulated bounced-check fees.