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Explanation of NSF Fees
A $30 Non-Sufficient Funds Fee (also known as an NSF or Overdraft Fee) is incurred whenever the available balance* in a Member's account is not sufficient to cover an item that is presented for payment.
Automatic Clearing House (ACH) and Electronic Funds Transfer (EFT) items are typically posted by 8:30AM each banking day. Share draft items (checks) are typically posted by 4PM each banking day.
It is at the Credit Union’s discretion as to whether the account will be overdrawn and the item paid, or whether the item will be returned to the originator. Either way, the NSF fee of $30 will be assessed. If the item is returned, please be aware that you may be charged an additional fee by the originator. Due to increased administrative and postage costs, we no longer mail Non-Sufficient Funds (NSF) notices when the item is paid. NSF notices ARE mailed only when an item is RETURNED.
Members will still be able to see all fees associated with their account, including NSF fees, through online banking, and on periodic statements. Members may enroll in Overdraft Protection, and choose a “source account” to automatically transfer funds from whenever the available account balance is not sufficient to cover an item that is presented for payment. A $3 Automatic Overdraft Transfer Fee will be assessed for each transfer. Please be aware that the Automatic Overdraft Transfer is subject to Regulation D limits (see Regulation D FAQs for more information).
* Your available balance may be reduced by pending items
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