Investopedia explains 'Non-Sufficient Funds - NSF'
The fees charged by many banks in instances of NSF checks are generally contentious among consumers. Consumer advocates allege that since overdraft fees are usually a fixed amount, a customer may, in effect, be paying extraordinarily high interest rates for relatively small deficits in their accounts.
Bank customers should seek to avoid these fees by keeping an extra amount of cash in their checking accounts so that they do not overdraft their accounts accidentally. In addition, customers should carefully monitor the use of checks, debit cards and automated charges, which are common causes of overdrafts.
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