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After my bank froze my checking account, some of my checks were returned unpaid. Is the bank permitted to impose a non-sufficient funds (NSF) fee for these returned checks?

Generally, yes. The bank may charge non-sufficient funds (NSF) fees if permitted by the terms of your account agreement. Review your account agreement for policies specific to your bank and your account.

Last Reviewed: October 2020

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 HelpWithMyBank.gov should not be construed as legal advice or a legal opinion of the OCC.

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