Suncoast Credit Union overdraft fee
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Suncoast's September 1, 2026 deposit fee schedule prints $29 for a paid NSF item and $29 for a check or ACH debit returned unpaid. The opt-in agreement adds a $29 paid NSF fee per account per day. The wider table is US overdraft fees by bank.
Last updated: October 21, 2026
Last checked: Oct 2026
Three Suncoast sentences
Opened 21 October 2026. The deposit fee schedule, effective September 1, 2026, prints Check/ACH debit returned unpaid at $29 and Paid Non-sufficient Funds (NSF) at $29. A footnote says HSA accounts that are considered a checking product are not subject to the NSF fees listed.
The Courtesy Pay opt-in says: "We will charge you a Paid Non-Sufficient Funds (NSF) fee of $29 per account per day with a maximum of 10 items per month." It also says: "A fee will not be assessed for transactions less than or equal to $15.00."
The discretionary Courtesy Pay notice says you will be charged a PAID Non-Sufficient Funds (NSF) fee of $29 per account per day, and "A fee of $29 per each presented returned item without limit of the number of the returned item fees per day." This page quotes the schedule, the opt-in, and the notice. It does not collapse the per-day paid fee into the unlimited returned-item sentence.
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| Document | What it prints |
|---|---|
| Fee schedule, paid NSF | $29 |
| Fee schedule, check or ACH returned unpaid | $29 |
| Opt-in, paid NSF | $29 per account per day, maximum of 10 items per month |
| Opt-in, small transaction | No fee for transactions less than or equal to $15.00 |
| Notice, returned item | $29 per presented returned item, no daily limit on that sentence |
How to read the two caps
The opt-in cap is 10 paid NSF items a month, and the paid fee is described per account per day. The notice's returned-item sentence says there is no limit on the number of returned item fees per day. A paid item and a returned item are different sentences. HSA checking is outside the NSF rows on the fee schedule.
Questions
- How much is a Suncoast paid NSF fee?
- The September 1, 2026 fee schedule prints Paid Non-sufficient Funds (NSF) at $29. The opt-in says $29 per account per day.
- How much is a Suncoast returned check or ACH?
- The fee schedule prints Check/ACH debit returned unpaid at $29. The Courtesy Pay notice prints $29 per presented returned item.
- Does Suncoast skip a small overdraft fee?
- The opt-in says a fee will not be assessed for transactions less than or equal to $15.00.
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