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What is the difference between an overdraft fee and an nonsufficient funds fee?

An overdraft fee is charged when the account goes into the negative and Overdraft Privilege (ODP) is being used. ODP will pay items in the event your checking account does not have sufficient funds.

A nonsufficient funds (NSF) fee is charged when your account is overdrawn, and the item is returned. This will happen if you have not opted into ODP, you have exceeded your transfer limits or if you have exceeded the negative $750 limit.

The fee charged for NSF, exceeding your transfer limits or exceeding the $750 limit is $20. The fee descriptions on your statement will be specific to the item. Examples of fee descriptions might show to the right of a transaction on your statement:

  • Overdraft= Debit ODP fee
  • Overdraft fee = Check ODP fee
  • Unpaid Ck #...= Unpaid (NSF) Check
  • Unpaid ACH = Uncleared/Unpaid ACH item

If you would like to add Overdraft Privilege (ODP) to your account, please contact our Service Center or visit a local branch.