How much is a Northwest Bank overdraft fee?

The agreement linked from the overdraft page prints $37.00 each time Northwest pays an overdraft. The page prints a $37 returned item fee on checks and ACH if you opt out.

Is there a daily cap?

The agreement says the maximum overdraft charges on a single posting day is $185.00.

Which accounts are not eligible?

The page says Courtesy Overdraft is not available for Basic Checking, Student Checking, or health savings accounts.

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Northwest Bank overdraft fee

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Northwest Bank prints a $37 overdraft returned item fee if you opt out, and the courtesy agreement it links prints $37 each time it pays an overdraft. A personal account overdrawn by $10.00 or less after posting is not charged. The daily cap on that agreement is $185.00. The wider table is US overdraft fees by bank.

Last updated: October 22, 2026

Last checked: Oct 2026

What the overdraft page prints

Opened 22 October 2026. The funds availability and overdraft page describes Courtesy Overdraft Standard and Courtesy Overdraft Full. Standard can pay checks, ACH, and recurring debit card transactions. Affinity Checking, Affinity Plus Checking, and Affinity Premier Checking are enrolled in standard automatically. Full coverage, which can also pay everyday debit card transactions, requires an opt-in. Basic Checking, Student Checking, and health savings accounts are not eligible.

If you opt out, the page says all check and ACH items will be returned and charged a $37 Overdraft Returned Item Fee. Debit card authorizations are declined at the point of sale when the available funds are not enough.

The courtesy overdraft agreement linked from that page says Northwest will charge $37.00 each time it pays an overdraft. For personal accounts, no overdraft fees are charged when the account is overdrawn by $10.00 or less after all items have posted. The maximum overdraft charges on a single posting day is $185.00. ATM and everyday debit card transactions are not paid unless you opt in. The phone on that agreement is 1-877-672-5678. The file name is dated 11.25.19, and it is the agreement the page still links.

The line on your own statement is the one that counts. Upload it on the upload page. The PDF stays on your device. Expenvo lists the lines. It does not call the institution.

Opened 22 October 2026. US dollars. Northwest Bank overdraft page and the courtesy agreement it links.
Line	What Northwest prints
Paid overdraft	$37.00 each time
Returned check or ACH after opt-out	$37 Overdraft Returned Item Fee
Personal account overdrawn by $10.00 or less	No overdraft fee
Cap on one posting day	$185.00
Everyday debit and ATM	Opt in required

Questions

How much is a Northwest Bank overdraft fee?: The agreement linked from the overdraft page prints $37.00 each time Northwest pays an overdraft. The page prints a $37 returned item fee on checks and ACH if you opt out.
Is there a daily cap?: The agreement says the maximum overdraft charges on a single posting day is $185.00.
Which accounts are not eligible?: The page says Courtesy Overdraft is not available for Basic Checking, Student Checking, or health savings accounts.

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