Nonsufficient Funds (NSF) fees can be charged to an account showing a positive amount. When you use your debit card, the merchant places a hold on your funds. Once those funds are on hold they cannot be used. Sometimes it takes several days for the transaction to actually clear against your account, this varies by merchant. If other transactions try to clear against the funds that are on hold, an NSF fee will be triggered because there are not available funds for the transaction.
A list of fees and charges can be found on our website www.marinefederalhb.org