Overdraft and NSF fees by bank (2026)
This is the citeable list. Each row is a figure from that bank's own page or PDF, opened 20 October 2026. US rows are overdraft fees. Canadian rows are labeled NSF or Overdraft. If a page did not print a number, the cell says not published. This page does not fill a gap from memory, and it does not promise a refund.
Last updated: October 20, 2026
Last checked: Oct 2026
How to read a row
Fee per item is the dollar the page prints for one overdraft item or one NSF item. Daily cap is the limit that same page prints on how many of those fees can post. Grace or relief is the bank's own feature for a fee of $0, a waiver, or a refund of a fee it already charged. A next-day deposit window is included only when the page prints one.
A cell that says not published means the page opened that day did not print that figure. It is not a guess, and it is not zero. Older Expenvo tables, US overdraft fees by bank, Canada NSF fees by bank, and Canada overdraft fees by bank, were opened on earlier days. Use this page when you need the 20 October 2026 check. How to ask, without a promise, is on how to ask your bank to refund a fee.
| Bank | Fee | Fee per item | Daily cap | Grace or relief | Official page | Checked on | Our guide |
|---|---|---|---|---|---|---|---|
| Chase, personal checking that has the fee | Overdraft | $34 per transaction during nightly processing, beginning with the first transaction that overdraws the balance by more than $50 | Maximum of 3 fees per business day, up to $102 | Chase Overdraft Assist, no enrollment: no fee if you are overdrawn by $50 or less at the end of the business day, or if you bring it to $50 or less by the end of the next business day. Also no fee if the item is $5 or less, was authorized when the available balance was enough, is declined, or is returned unpaid. | ABSF PDF | 20 October 2026 | Chase |
| Bank of America, accounts that have the fee | Overdraft | $10.00 each item. Advantage SafeBalance Banking, SafeBalance Banking for Family Banking, and Advantage Savings do not have Overdraft Item Fees. | Not more than 2 overdraft items per day | The schedule does not print a next-day deposit refund. It does not charge the fee when the item is declined or returned, on an everyday non-recurring debit card transaction or an ATM transaction, on an item authorized when the account had enough money, on an item of $1 or less or that overdraws by $1 or less, or with the Decline All setting. | Personal schedule of fees | 20 October 2026 | Bank of America |
| Wells Fargo, consumer accounts | Overdraft | $35 per item paid into overdraft | Three overdraft fees per business day on consumer accounts | Extra Day Grace Period: if the available balance is zero or positive as of 11:59 Eastern Time, Wells Fargo will waive the associated overdraft fees. No fee on items of $10 or less. No fee if both the ending daily balance and the available balance are overdrawn by $10 or less. No fee for a declined or returned transaction. | Overdraft services | 20 October 2026 | Wells Fargo |
| Citi, everyday checking, Citi Priority, and Citigold | Overdraft | No overdraft fee. The compare page also prints No Overdraft or Returned Item Fees. | not published | Citibank will not charge an overdraft fee. It may still return or pay an item when there is not enough money. | Compare accounts | 20 October 2026 | Citi monthly fee |
| U.S. Bank, consumer checking other than Safe Debit | Overdraft | $36 per item. A fee may be assessed when the available balance at the end of the business day is or would be overdrawn by $50.01 or more and the transaction paid is $5.01 or more. | A daily maximum of three Overdraft Paid Fees per day | No Overdraft Paid Fee if the available balance at the end of the business day is overdrawn by $50 or less. The disclosure prints the same rule as $50.00 or less. Overdraft Fee Forgiven: if the available balance, excluding the fees and including immediate and same day deposits, is at least $0 at 11 p.m. ET, U.S. Bank waives the Overdraft Paid Fees charged. Safe Debit accounts are excluded. | Overdrafts | 20 October 2026 | U.S. Bank |
| PNC Virtual Wallet | Overdraft | $36.00 per item when PNC pays it. Returned Item (NSF) fee: no charge. | 1 per day | If you bring the available balance to at least $0 before Extra Time ends, PNC will not charge the Overdraft Item fees from that period. The schedule does not print the clock time Extra Time ends. If the account is overdrawn by $5.00 or less after the day's items post, the fees are refunded. Schedule effective 31 May 2026. | Virtual Wallet features and fees | 20 October 2026 | PNC |
| Capital One 360 Checking | Overdraft | No overdraft fees | not published | The page says there are no overdraft fees. It does not print a separate NSF dollar. | 360 Checking | 20 October 2026 | Capital One 360 monthly fee |
| Truist One Checking | Overdraft | No overdraft fee. The page says Truist One Checking doesn't charge overdraft fees. | not published | Eligible clients get a Balance Buffer to help avoid declined transactions. The disclosure says the buffer allows clients to overdraw by up to $100, with no decision required. | Truist One Checking | 20 October 2026 | Truist monthly fee |
| TD Bank in the United States | Overdraft | $35 on checking other than Essential Banking. Essential Banking: no overdraft fees or services. | 3 overdraft fees per day per account, on the $35 fee | No fee if the checking account is overdrawn by $50 or less. Grace Period until 11 PM ET the next business day to bring the available balance to at least $0. The $50 threshold and Grace Period are the checking rules on this page. | Overdraft services | 20 October 2026 | TD monthly fee |
| RBC, personal deposit account | NSF | $10.00 each. A U.S. dollar account is charged in U.S. dollars at the $10.00 Canadian equivalent. | Not more than once within two business days on the same account | Not charged if the item would overdraw the account by less than $10, or the U.S. dollar equivalent. | Deposit account booklet (PDF) | 20 October 2026 | RBC |
| TD Canada Trust | NSF | $10.00 if TD does not approve the cheque or payment on a Canadian dollar account. $5.00 if TD does not approve it on a U.S. dollar account. | Not more than once within 2 business days on the same personal deposit account | Not charged if you are overdrawn by less than $10. The fees page footnote and the List of Services and Fees were both opened 20 October 2026. | List of Services and Fees (PDF) | 20 October 2026 | TD Canada Trust |
| Scotiabank | NSF | $10.00 when a cheque or other debit item is returned NSF | Not more than once within two business days per account | Not charged if the difference between the account balance and the funds needed is $10 or less. The fee applies on each presentment or re-presentment, subject to those two limits. | Companion booklet (PDF) | 20 October 2026 | Scotiabank |
| BMO Everyday Bank Accounts | NSF | C$10.00 on a Canadian dollar account. US$5.00 on a U.S. dollar account. | If more than one item is returned on the same account on the same business day, only one fee. Not more than once within two business days on the same account. | No fee if the returned cheque or pre-authorized debit would leave an unauthorized overdraft of less than $10.00. Booklet effective 2 June 2026. | Everyday banking fees (PDF) | 20 October 2026 | BMO |
| CIBC, personal deposit accounts | NSF | $10.00 each time on a Canadian dollar personal deposit account. $5.00 U.S. on a U.S. dollar personal deposit account. $45.00 on a personal line of credit. | Not more than once within two business days on the same deposit account | Not charged if the personal deposit account is overdrawn by less than $10.00. The PDF is dated 12 March 2026. | Service fees (PDF) | 20 October 2026 | CIBC |
| National Bank | NSF | $10.00 per item on a Canadian dollar account. US $5.00 on a U.S. account. | not published | not published. The fee guide effective 15 February 2026 prints the two amounts and does not print a two-day cap or a shortfall waiver. | Fee guide (PDF) | 20 October 2026 | National Bank |
| Desjardins | NSF | $10.00 for a cheque or pre-authorized payment without funds. The statement name is Returned item charges. | not published | not published. The service fees PDF effective 12 March 2026 does not print a two-day cap or a shortfall waiver for this line. | Service fees (PDF) | 20 October 2026 | Desjardins |
| RBC Overdraft Protection | Overdraft | $5.00 per month, plus Overdraft Interest of 22% per year. Overdraft Handling Fee $5.00 each. | not published | The booklet does not print a next-day deposit that refunds an NSF fee. This row is the protection charge, not the $10.00 NSF fee. | Deposit account booklet (PDF) | 20 October 2026 | RBC |
| TD Canada Trust overdraft plan | Overdraft | $5.00 a month plus interest at 21% a year on Every Day Chequing, Unlimited Chequing, and All-Inclusive. Plan 60 or Preferred is $4.00 a month plus 21% a year. The PDF prints other accounts separately. | not published | This is the cost of the plan. It is not a printed refund of an NSF fee that already posted. | List of Services and Fees (PDF) | 20 October 2026 | TD Canada Trust |
| Scotiabank pay-per-use Overdraft Protection | Overdraft | $5.00, applied on the same day or within two business days every time an overdraft is created or increased. Not available in Quebec. | not published | No per-use fee if you do not use the overdraft. A monthly plan dollar is not copied here, because this sentence is the one confirmed on the booklet today. | Companion booklet (PDF) | 20 October 2026 | Scotiabank |
| BMO Overdraft Protection and OPIC | Overdraft | Standard $5.00 a month, not for residents of Quebec. Occasional $5.00, not available in Quebec. Overdraft Per Item Charge $5.00, not for residents of Quebec. | Occasional and the per item charge are described per business day an item is paid and the overdraft is created or increased. A separate daily count is not published. | The booklet does not print the interest percent. It says to ask a branch or call 1-877-225-5266. Covering the account is not described as an automatic NSF refund. | Everyday banking fees (PDF) | 20 October 2026 | BMO |
| CIBC Overdraft Protection Service | Overdraft | Pay Per Use $5.00 on any business day an overdraft is created or increased. Monthly Fixed Fee $5.00. Interest is currently 21% per year and may vary. | Pay Per Use is one fee for the business day, based on end-of-day balances. A second daily cap is not published. | Pay Per Use is not available to Quebec residents. The Monthly Fixed Fee is not applicable to Quebec residents. There is no Pay Per Use charge unless the overdraft is used. | Service fees (PDF) | 20 October 2026 | CIBC |
| National Bank overdraft | Overdraft | not published | not published | not published. The fee guide opened today prints the NSF amounts and does not print a per-item overdraft dollar for a personal deposit account. | Fee guide (PDF) | 20 October 2026 | National Bank |
| Desjardins overdraft | Overdraft | Caisse transfer $5.00. Annual interest rate 21%, calculated daily. | not published | The PDF says the caisse may advance the money when a cheque or pre-authorized payment is made without enough funds. That transfer is not the $10.00 returned item charge. | Service fees (PDF) | 20 October 2026 | Desjardins |
What a row does not do
A grace feature is the bank's own rule. It is not a promise that the bank will reverse a fee that sits outside that rule. Asking is allowed. The bank can say no. Named scripts are on the guide linked in the last column.
The rows run from no fee to $36.00 on the US overdraft pages, and the Canadian dollar NSF rows print $10.00 or C$10.00. Chase prints $34. Bank of America prints $10.00 where it charges an Overdraft Item Fee. Wells Fargo prints $35. U.S. Bank and PNC print $36.00. National Bank's overdraft dollar is not published on the fee guide opened today.
Questions
- Is every overdraft or NSF fee in this table $35 or $10?
- No. The rows opened 20 October 2026 run from no fee to $36.00. Chase prints $34. Bank of America prints $10.00 where it charges an Overdraft Item Fee. Wells Fargo prints $35. U.S. Bank and PNC print $36.00. The Canadian dollar NSF rows print $10.00 or C$10.00.
- What does not published mean?
- The official page opened 20 October 2026 did not print that figure. This page does not fill the cell from an older note or from memory.
- Does a grace feature mean the bank will refund the fee?
- Only inside the rule that bank prints. A refund outside that rule is a request. The bank can say no. This page does not promise a refund.
Sources
- Chase deposit account fee schedule (ABSF PDF)
- Bank of America personal schedule of fees
- Wells Fargo overdraft services
- Citi: compare bank accounts
- U.S. Bank: overdrafts
- PNC: Virtual Wallet features and fees
- Capital One 360 Checking
- Truist One Checking
- TD Bank US: overdraft services
- RBC personal deposit accounts booklet (PDF)
- TD Canada Trust List of Services and Fees (PDF)
- TD Canada Trust account and service fees
- Scotiabank Day-to-Day Banking Companion Booklet (PDF)
- BMO everyday banking fees (PDF)
- CIBC personal account service fees (PDF)
- National Bank fee guide (PDF)
- Desjardins service fees (PDF)
Related guides
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