Cash account should have a smart NSF feature like CIBC's Smart Balance Alert

CIBC's feature notifies you at 8:30 AM if your account balance will go below 0 due to a payment, and gives you until 12 PM the same day to move funds into the account to still be able to make the payment. link: https://www.cibc.com/en/personal-banking/bank-accounts/smart-balance-alert.html

WS doesn't charge you a NSF fee, but you don't give you a chance to move money into the account to avoid missing the payment. I think when a biller notifies the bank of a payment to come out, the bank has some hours, perhaps up to a day to respond to that payment request. I think this is how CIBC is able to notify you and give you some time to move money into the account before responding to the biller's request.

With rates going down, I don't like keeping much funds in my Cash account - I'd rather keep them mostly invested, while also having the peace of mind that if I forgot about a payment, I will be notified and will have a chance to avoid missing a payment.