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Avoid NSF Fees

We’re here to help you manage your money and we want to help you avoid potential NSF fees.

Non-Sufficient Fund (NSF) fees occur when a charge initiated by you (i.e. check, pre-authorized transfer, electronic payment) is drawn on your account, but the balance of funds in the account is not enough to cover the charge. When this occurs, there is also the possibility that the charge could be presented multiple times, which could result in NSF fees being charged multiple times.

Here are some tools we have available to help you:

  • Enroll in Automatic Transfer Protection
    Automatic Transfer Protection allows you to utilize the available balance in your savings, money market, or another checking account to cover negative balances. (A $5 transfer fee applies.)
  • Enroll in Online Banking/Mobile Banking
    Online Banking and Mobile Banking are convenient electronic tools that help you manage your accounts and monitor your balances in real-time. Enroll today! 
  • Setup Alerts
    In the Service Center of Online Banking and Mobile Banking, you can setup numerous alerts and choose to have alerts sent to you via text, email, or both. The two alerts that we recommend specifically for helping you avoid NSF fees are:
    • Current Balance Below Limit Alert
    • Insufficient Funds Charge Alert
  • Manage Cards
    The Manage My Cards option in Mobile Banking, puts you in control of your debit card! Use this function to set transaction limits, block certain merchant and transaction types, and set regional limits.
Contact our Customer Contact Center at 800.578.4270 with questions or for assistance.