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Insufficient Funds Fee
Explanation:
Similar to an Overdraft Fee, the NSF or Insufficient Funds Fee is charged when your account is overdrawn (even as a result of automatic transactions) and the bank chooses NOT to honor the payment. Covering the cost of overdrafts is done at the banks' discretion, which means they don't guarantee they will always pay even if you're account is in good standing and you've opted into the Overdraft Service.
This fee varies, depending on the terms of the checking account, but is typically the same amount as the Overdraft Fee (with little variation). Many banks offer several types of overdraft protection (See Overdraft Agreement) to help avoid this fee.