Back to Help CenterQ: What is the difference between an overdraft fee and a nonsufficient funds (NSF) fee?
An overdraft occurs if the available balance in your account is not sufficient to cover a transaction at the time the transaction is presented to us for payment. Overdraft transactions may be paid or returned unpaid for nonsufficient funds depending on how your account is set up. If the item or transaction is returned unpaid, you will be charged an unpaid item fee (also known as an NSF fee), as set forth in our fee schedule. If an overdraft item is paid, Mountain America will charge an overdraft fee to your account in accordance with our fee schedule.
