That's not an unfamiliar problem in the Stormhands' household. What saves us now is that we have access to our account online. So I can check 2-3 times a day to see what has cleared. It's probably excessive, but I've been burned in the past.
You might see if your bank has that option.
That way you can have one check book window open and one window open to Freep. When he asks you can say "I'm just balancing the checkbook honey."
We do have that option...and I usually use it a lot. But I got behind when I went to WA and neglected to check it...
I'm glad my bank has the overdraft protection, but it still embarrassed and upset me.
I'm watching it like a hawk now...