What is the difference between an insufficient funds fee and an uncollected funds fee?

An insufficient funds fee (sometimes referred to as a non-sufficient funds fee or NSF fee) can occur when you don’t have enough money in your checking account to cover the entire transaction. As a result, the credit union will deny the transaction and charge the fee.

An uncollected funds fee can occur when there are pending credits to your account (like a deposited check that has yet to clear), and you try to make a purchase for more than your available balance. The fee will be charged even if there are funds on deposit, because the purchase would overdraw the account. Since the check has not cleared, the credit union cannot guarantee those funds.

As a best practice, always use your available balance as a guide for writing checks, withdrawing cash and making purchases.

You can monitor your available balances through Online and Mobile Banking, and view all of our Service Fees online.


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Handle all your personal banking in one convenient and secure place, and deposit checks with a click of your smartphone. Just download the Stanford FCU mobile app from the App Store or Google Play, then follow the prompts.



Learn more about the convenient services offered through Online and Mobile Banking.

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