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Can the bank charge a fee if I write a check that overdraws my account?

Yes, the bank can assess a fee if a check overdraws your account (known as a non-sufficient funds [NSF] fee), as long as this practice was previously disclosed. Read your deposit account agreement for information about your bank’s policies and fees.

Last Reviewed: April 2021

Please note: The terms "bank" and "banks" used in these answers generally refer to national banks, federal savings associations, and federal branches or agencies of foreign banking organizations that are regulated by the Office of the Comptroller of the Currency (OCC). Find out if the OCC regulates your bank. Information provided on should not be construed as legal advice or a legal opinion of the OCC.

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