If we decline to pay a check or ACH payment, then the item will be returned unpaid and you will be charged a $36 Returned Item or NSF fee. Check and ACH payment transactions that are returned unpaid may be re-presented by a merchant multiple times until paid. If your account has insufficient Available Balance when a check or ACH is re-presented, it may be returned again or we may decide to pay it into overdraft. You will not be charged a Returned Item Fee or Overdraft Fee for re-presented check or ACH payments so long as they are properly described as “retries” by the merchant seeking payment.
What is a Returned Item Fee? Print
Modified on: Mon, 18 May, 2026 at 2:22 PM
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