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Overdraft fee guides

These guides are about an overdraft fee, an NSF fee, or a returned item. The dollar is the one that bank printed. A monthly account fee is a different list.

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Last updated: October 22, 2026

United States

  • Alliant Credit Union overdraft fee

    Alliant prints no NSF fee and no Courtesy Pay fee. A domestic outgoing wire is $25. An incoming wire is free.

  • America First overdraft fee

    America First charges $25 each time it pays an overdraft and prints no daily cap. Everyday debit and ATM withdrawals need an opt-in.

  • Associated Bank overdraft fee

    Associated Bank prints a $32 overdraft fee on personal or business checking, at most two a day, and a $0 returned item fee. The grace zone is $50 on most checking accounts.

  • Axos overdraft fee

    Axos prints $25 for a paid or returned item, up to $75 a day, and no fee under a $25 shortfall. Some checking accounts print no NSF fee.

  • BankUnited overdraft fee

    BankUnited's July 2025 consumer schedule prints no charge for an overdraft, an insufficient funds item, or uncollected funds.

  • Banner Bank overdraft fee

    Banner Bank charges $30 for an overdraft item, at most four a day, and skips it if you are overdrawn by $5 or less.

  • BMO US overdraft fee

    BMO Smart Advantage in the US prints a $20 overdraft fee, at most three a day, when the account is overdrawn by more than $20. Smart Money prints no fee.

  • Citi overdraft fee

    Citi prints no overdraft or returned item fee on everyday, Priority, and Citigold checking. Citibank may still return or pay an item.

  • Citizens overdraft fee

    Citizens prints a $35 overdraft fee per item paid, at most 5 a day, up to $175. Peace of Mind lasts until 10:00 PM ET the next business day. Student and EverValue have no standard coverage.

  • City National Bank overdraft fee

    City National Bank charges $0 for the first two overdraft occurrences and $25 after that, with a $25 daily cap. A shortfall of $50 or less is $0.

  • Columbia Bank overdraft fee

    Columbia Bank charges $35 when it pays an overdraft, and caps those fees at $175 a day. No fee if overdrawn by $10 or less.

  • DCU overdraft fee

    DCU's January 2026 schedule prints $15.00 when it pays an overdraft and $0.00 when it returns the item. Two paid fees a day is the cap.

  • Delta Community overdraft fee

    Delta Community's October 1, 2026 schedule prints a $15 NSF fee and $25 Courtesy Pay. SpendSafe Checking is left out.

  • East West Bank overdraft fee

    East West Bank prints a $30 overdraft fee per item, paid or returned, with a $30 maximum per day. The schedule is effective 30 January 2026.

  • Fifth Third overdraft fee

    Fifth Third's consumer fee chart dated 25 June 2026 prints a $35 overdraft fee, at most 3 a day, and no returned item fee. Extra Time lasts until 11:59 p.m. ET the next business day.

  • First Citizens overdraft fee

    First Citizens charges $25 each time it pays an item that overdraws an eligible consumer account, up to 3 charges a business day. An item of $5.00 or less, and a returned item, have no charge.

  • First Hawaiian overdraft fee

    First Hawaiian prints a $32 overdraft fee and a $32 NSF return fee. No fee if the account is overdrawn by $5 or less. At most five of those fees a day.

  • First Horizon overdraft fee

    First Horizon prints a $35 overdraft fee, at most three a day, and no fee if the account is overdrawn by $5 or less.

  • First Interstate overdraft fee

    First Interstate charges $10 when it pays a consumer overdraft, at most four a day. A returned consumer item has no charge.

  • First Tech overdraft fee

    First Tech's October 2026 schedule prints no overdraft fee. A returned ACH that you asked First Tech to start is $15.

  • Frost Bank overdraft fee

    Frost's Personal Account page prints a $35 overdraft fee when it pays an item that overdraws the account by more than $100, up to $105 a day, and an $8 monthly service charge with the waivers on that page. Opened 21 October 2026.

  • Fulton Bank overdraft fee

    Fulton Bank prints a $32 overdraft fee per paid item, at most four a day, when the account is overdrawn by $5.01 or more.

  • GFA Federal overdraft fee

    GFA Federal Credit Union's May 15, 2026 schedule prints $30 when it pays an overdraft and $30 when it returns the item. A transfer is $5.

  • Golden 1 overdraft fee

    Golden 1 charges $14 when it pays an overdraft, at most four fees a day. A returned NSF item is free.

  • Hancock Whitney overdraft fee

    Hancock Whitney may charge $36 each time it pays an NSF item into overdraft, at most five a day. A returned personal item has no NSF fee.

  • How to get a Bank of America overdraft fee refunded

    Bank of America prints a $10.00 Overdraft Item Fee, not more than 2 a day. Several items are $0. There is no published next-day deposit refund. Asking is a request.

  • How to get a Chase overdraft fee refunded

    Chase prints a $34 overdraft fee, at most 3 a business day. Overdraft Assist can make it $0 if you are overdrawn by $50 or less. A refund outside that rule is a request.

  • How to get a PNC overdraft fee refunded

    PNC Virtual Wallet prints a $36.00 Overdraft Item Fee, at most 1 a day. Extra Time and a $5.00 threshold can remove it. A refund outside those rules is a request.

  • How to get a U.S. Bank overdraft fee refunded

    U.S. Bank prints a $36 Overdraft Paid Fee, at most three a day. Overdraft Fee Forgiven can waive it by 11 p.m. ET. A refund outside that is a request.

  • How to get a USAA overdraft fee refunded

    USAA Overdraft Fee Refund Window from the depository agreement effective October 2025. The $29 fee can be refunded if a large enough deposit arrives the next business day.

  • How to get a Wells Fargo overdraft fee refunded

    Wells Fargo prints $35 per item paid into overdraft, at most three a business day on consumer accounts. Extra Day Grace Period can waive the fee. Asking outside that is a request.

  • Huntington overdraft fee and 24-Hour Grace

    Huntington prints a $15 overdraft fee, at most 3 a day, and no fee if the account is overdrawn by $50 or less. 24-Hour Grace lasts until midnight Central Time the next business day.

  • KeyBank overdraft fee

    KeyBank's checking options page prints a $20 overdraft item charge, at most 3 items and $60 a day, and no charge when the account is overdrawn by $20 or less.

  • Langley overdraft fee

    Langley's fee page prints $29 Courtesy Pay when it pays an item and $25 when it returns a check, ACH, or ATM item.

  • Logix overdraft fee

    Logix's January 7, 2025 schedule prints tiered Courtesy Pay fees, a $30 returned item, and five consumer overdraft fees a day.

  • M&T Bank overdraft fee

    M&T charges $15 per day on personal checking, and at most one overdraft fee a day. MyWay Banking has no overdraft fees. An overdraft line of credit transfer is $8 a day.

  • Mountain America overdraft fee

    Mountain America prints $25 for a paid overdraft, up to five a day, and $9 for an unpaid ACH or draft. A linked deposit transfer has no fee.

  • Navy Federal overdraft fee

    Navy Federal charges $20 when it pays an overdraft, at most one fee a day. A returned NSF item has no charge.

  • Northwest Bank overdraft fee

    Northwest Bank prints a $37 fee when it pays an overdraft and a $37 fee when it returns the item. The agreement caps a day at $185.

  • Old National Bank overdraft fee

    Old National charges $36 for a paid overdraft over $25, at most two a day, and $7 a day from day 7. A returned item has no NSF fee.

  • OnPoint overdraft fee

    OnPoint prints a $10 paid overdraft fee, no fee at $10 overdrawn or less, and a $30 daily cap. A returned NSF item is no charge.

  • Overdraft fees at US credit unions

    The overdraft or NSF dollar Navy Federal, PenFed, SchoolsFirst, and Alliant print on their own pages. Opened 20 October 2026.

  • Overdraft protection transfer fees at US banks

    Opened 16 October 2026. What Chase, Bank of America, Wells Fargo, and Capital One print for a transfer that covers an overdraft. Other banks are left out.

  • PenFed NSF fee

    PenFed lists a $30 non-sufficient funds fee for a returned ACH, check, or preauthorized debit, and $10 for uncollected funds.

  • Pinnacle Financial Partners overdraft fee

    Pinnacle Financial Partners charges $30 for a paid overdraft, at most three a day or $90. A returned consumer item is $0.

  • RBFCU overdraft fee

    RBFCU charges $24 for Courtesy Pay and $24 for an insufficient funds return, at most five of those fees combined a day.

  • Redstone overdraft fee

    Redstone's October 1, 2026 schedule prints $25 when it pays an item and $25 when it returns one. The February 2026 opt-in sets no total cap.

  • Regions overdraft fee

    Regions prints a $36 paid overdraft item fee, no returned item fee, and at most 3 paid overdraft fees a day. Overdraft Grace lasts until 8 p.m. Central Time the next business day.

  • Returned deposit and returned item fees in the US

    Checked on the banks' own pages on October 16, 2026. What Wells Fargo, PNC, Citi, Chase, and Bank of America print when a deposited item or a payment comes back. A foreign collection fee is labeled as foreign.

  • Santander US overdraft fee

    Santander Bank in the US prints a $15 paid item fee and a $15 sustained overdraft fee on Simply Right Checking. Safety Net waives the paid item fee when the account is overdrawn by $100 or less.

  • SchoolsFirst overdraft fee

    SchoolsFirst charges $22 when it returns an NSF item and $22 when it pays an overdraft, at most three a day per share.

  • Simmons Bank overdraft fee

    Simmons Bank charges $36 for a paid overdraft item and does not print a daily cap. No fee if the balance is negative by $5 or less.

  • SouthState overdraft fee

    SouthState prints a $36 overdraft paid item fee, effective 1 September 2026, with a cap of five a day and no fee when the account is overdrawn by $10 or less.

  • Suncoast Credit Union overdraft fee

    Suncoast's September 2026 schedule prints $29 for a paid NSF item and $29 for a returned check or ACH. The opt-in adds a daily rule.

  • Synovus overdraft fee

    Synovus prints a $36 overdraft fee on most personal accounts and $29 on military accounts, at most three a day. Budget Checking does not pay this fee.

  • TD Bank US overdraft fee

    TD Bank in the US, not TD Canada Trust: $35 when the available balance is overdrawn by more than $50, at most 3 fees a day, and a grace period until 11 p.m. ET the next business day.

  • Truist overdraft fee

    Truist's personal deposit fee schedule dated 28 September 2026 prints a $36 overdraft fee, at most three a day, with no fee under $5. Truist One and several other accounts are excluded. Opened 20 October 2026.

  • US overdraft fees by bank

    Overdraft fees from each bank's own page. Most rows were opened on 16 October 2026. KeyBank, Ally, Schwab, and Santander were opened on 19 October 2026. Associated Bank, Citizens, M&T, and First Citizens were checked on 21 October 2026.

  • VyStar overdraft fee

    VyStar's February 1, 2026 schedule prints a $32 NSF fee, $29 Courtesy Pay over $5, and a $2 overdraft transfer.

  • WaFd Bank NSF fee

    WaFd Bank charges $30 when it pays or returns an NSF item, at most three a day. ATM and debit card NSF fees are $0.

  • Webster Bank overdraft fee

    Webster's personal fee schedule effective 20 August 2026 prints a $35 overdraft fee on a paid item, at most four fees a business day, and no fee on Webster Connect Checking. Opened 21 October 2026.

  • What a returned check or returned item fee means

    A returned check or returned item fee is the charge when a payment is sent back. Nacha calls insufficient funds R01. The dollar is the one your bank prints, not a national average.

  • Wings overdraft fee

    Wings Financial's May 18, 2026 schedule prints $30 Courtesy Pay, up to four a day, and $30 when a check or ACH is returned.

  • Woodforest overdraft fee

    Woodforest charges $32 when it pays an overdraft, at most three a day. A returned NSF item has no charge.

  • Zions Bank overdraft fee

    Zions Bank prints a $29 overdraft fee on a paid item and $0 when the item is returned. Personal accounts are capped at five fees a business day.

Canada

  • Access Credit Union NSF fee

    Access Credit Union prints a $45 NSF fee, a $3 transfer to cover an overdraft, and $5 per item for an unauthorized overdraft.

  • Affinity Credit Union NSF fee

    Affinity Credit Union in Saskatchewan prints NSF charges of $48, made of a $43 NSF fee plus a $5 overdraft fee, effective 1 November 2024.

  • Assiniboine Credit Union NSF fee

    Assiniboine Credit Union prints a $5 NSF overdraft fee and a $45 fee when it returns the item. This Manitoba credit union sets its own fees.

  • ATB NSF fee

    ATB's 1 June 2026 personal charges list prints a $10 NSF fee, at most once in two business days, and no fee when the overdraft is $10 or less. Opened 20 October 2026.

  • ATB overdraft protection fee

    ATB's overdraft protection page prints a $0 monthly fee, no NSF fee while you use it, interest of 17.25%, and a minimum charge of $4 or interest, whichever is greater. Opened 20 October 2026.

  • Cambrian Credit Union NSF fee

    Cambrian Credit Union lowered its personal NSF fee from $45 to $10 on 1 September 2026. The Unfee refund list does not include NSF.

  • Canada NSF fees by bank

    NSF fees copied from each bank's own page on 16 October 2026. Most personal deposit accounts print $10. EQ Bank is left out.

  • Canada overdraft fees by bank

    Overdraft protection fees opened on RBC, TD, Scotiabank, BMO, CIBC, National Bank, Tangerine, Simplii, and Desjardins pages on October 17, 2026. This is not the $10 NSF return fee.

  • Coast Capital NSF fee

    Coast Capital's personal service fees page prints a $10 NSF fee per account for a returned cheque or pre-authorized payment. It is not charged if the account is overdrawn by less than $10, and not more than once in two business days.

  • Conexus Credit Union NSF fee

    Conexus prints NSF items at $45.00 plus GST, and overdraft items at $5.00 plus 21% annual interest.

  • How to get a BMO NSF fee refunded

    BMO prints C$10.00 when a Canadian dollar item is returned NSF, once in two business days. A refund outside that footnote is a request.

  • How to get a CIBC NSF fee refunded

    CIBC prints $10.00 for an NSF item on a Canadian dollar personal deposit account, not more than once in two business days. A refund outside that is a request.

  • How to get a Desjardins NSF fee refunded

    Desjardins prints $10.00 for a cheque or pre-authorized payment without funds, shown as Returned item charges. A refund is a request.

  • How to get a National Bank NSF fee refunded

    National Bank's fee guide prints $10.00 for an item returned for insufficient funds, and US $5.00 on a U.S. account. A refund is a request.

  • How to get a Scotiabank NSF fee refunded

    Scotiabank's companion booklet prints $10.00 when a cheque or debit is returned NSF. It is not charged if the shortfall is $10 or less, or more than once in two business days. A refund is a request.

  • How to get a TD Canada Trust NSF fee refunded

    TD Canada Trust prints a $10 NSF fee on a Canadian dollar account when it does not approve the item, and $5 USD on a U.S. dollar account. Asking for a refund is a request.

  • How to get an RBC NSF fee refunded

    RBC prints a $10.00 NSF fee. It will not charge it more than once in two business days, or if the item would overdraw the account by less than $10. A refund outside that is a request.

  • Innovation Credit Union NSF fee

    Innovation says NSF fees fall to $0 in April 2026. The account table on that same page still prints $10 an item.

  • Kindred Credit Union NSF fee

    Kindred Credit Union prints an NSF item at $5 and a returned NSF item at $50. Coverdraft is $5 a day.

  • Laurentian Bank overdraft protection fee

    Laurentian's overdraft protection page, pricing in effect 12 March 2026, prints $5.00 a month when you use it, no fee in a month you do not, and a limit from $250 to $1,500. Opened 21 October 2026.

  • Libro NSF fee

    Libro Credit Union prints an NSF cheque and electronic NSF line at $50.00 and $45.00, marked CAD and USD, on its general service fees page.

  • Manulife Bank NSF fee

    Manulife Bank's March 2026 notice sets the personal NSF fee at $10, at most one fee after two business days, and none if the account is overdrawn by less than $10. Opened 21 October 2026.

  • Meridian NSF fee

    Meridian Credit Union's personal fee table prints an NSF fee of $10, a honoured NSF of $5 plus overdraft interest, and a free NSF reversal. Overdraft protection is $5 a month plus 21% interest.

  • Servus Credit Union NSF fee

    Servus Credit Union prints a $48 non-sufficient funds fee for cheques, AFTs, and EFTs. A Coverdraft transfer is $5.

  • Simplii No Fee Chequing: no monthly fee, and the overdraft charge

    Simplii says the No Fee Chequing account has no monthly fee. This page lists the overdraft charge that same page still prints.

  • Steinbach Credit Union NSF fee

    Steinbach Credit Union prints NSF items at $45 and overdraft items at $5. The fee list was updated 3 February 2025.

  • Vancity NSF fee

    Vancity's personal service charge bulletin prints a $10 NSF fee per item. On a personal account it is not charged more than once in two business days.

  • What a Canadian NSF fee is

    What a Canadian NSF fee is, the limit FCAC states for federally regulated banks, and how to ask. The dollar each bank prints is on a separate page.

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