PIB TIP: MANAGE CASH FLOW. The best practices for managing cash flow include using a business operating account and never taking cash advances. Avoid overdraft fees by recording every check as soon as it’s written. Don’t forget debit card purchases, and develop a system for logging automatic monthly drafts, such as utilities. The Partners in Business program is produced by Overdrive and the consultants at ATBS, the nation’s largest owner-operator business services firm, and is sponsored by Schneider National Inc. and Freightliner Trucks.