UNDERSTANDING AND AVOIDING OVERDRAFTS AND NON-SUFFICIENT FUNDS (NSF) FEES
This account can be drawn past the available balance causing a negative balance, also known as overdraft or non-sufficient funds (NSF). The following section summarizes the contractual terms related to overdrafts and NSF transactions. This information is essential to understanding such transactions and avoiding the charges and fees assessed.
Understanding Your Account Balance: The current balance on your account (otherwise known as the ledger balance) is the balance upon the close of the current business day. Outstanding transactions such as checks or electronic transactions that have not been presented to us, the bank, are not included in this current balance. Please refer to the Funds Availability Policy to further understand what is known as your current collected balance and how that may affect transactions in your account.

Click below on the Overdraft Disclosure button for more information.