NSF Practices

We do authorize and pay NSFs for the following types of transactions:
 - Checks and other transactions made using your checking account number
 - Automatic bill payments
 
We do not authorize and pay NSFs for the following types of transactions unless you ask us to (see below):
 - ATM transactions
 - Everyday debit card transactions

We pay NSFs at our discretion, which means we do not guarantee that we will always authorize and pay any type of transaction. If we do not authorize and pay an NSF, your transaction will be declined or returned.

Under our standard NSF practices:
 - We will charge you a fee of $32 each time we pay an NSF.
 - Also, if your account is overdrawn for 5 or more consecutive days, we will charge an additional $8 per day, beginning on the 5th day.
 - There is no limit on the total fees we can charge you for NSF transactions on your account.