<human>: Can you succinctly summarize the text in 1-3 sentences?

I got free overdraft protection on my first bank account when I started it. I only used it once in an emergency (dead car battery 400 miles from home) and immediately paid it off, 9 years ago.

I got a notice from the bank about my overdraft protection last week. It looked like a normal terms of service update, but I'd never gotten one before. I made a note to sign in and check the account.

I keep this account only as a backup stash of debitable money on top of my normal online checking account. But, when I made the transition, I forgot I left the automatic every-6-months car insurance payment on this old account. Insurance hit the account, I got a $100 cash advance from overdraft to cover the difference plus some.

I only have $5 in fees and $0.88 in interest now to pay off in addition to the advance (which I am doing now via transfer from my other bank). But if I'd left it longer, late payment fees and more interest would have begun stacking up.

Of course, you SHOULD be checking every account monthly. I am pretty bad about doing so. But if you're like me, and you get a handy reminder that the account exists, and anything at all seems unusual, check it immediately.
<bot>: Check your accounts regularly. But especially check them when you get anything at all out of ordinary in the mail/your email.