What is the difference between overdraft fees and NSF fees?

Overdrafts occur when a transaction is paid even though you do not have an adequate balance to cover a transaction presented. At Gate City Bank, a fee is incurred for this type of transaction.

Non-sufficient funds (NSF) refers to when a transaction is declined or returned because you do not have an adequate balance to cover a transaction presented. At Gate City Bank, there is no fee for this type of transaction.