What is the difference between an insufficient funds fee and an uncollected funds fee? - Stanford Federal Credit Union Skip to main content
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Global supply chain issues are impacting delivery times for plastic credit and debit cards. We appreciate your patience and understanding as you wait for your card. A digital version of your card is always available in Online Banking and the mobile app, so you can load it to your mobile wallet, add it to your subscriptions, and shop online. Go to Services > MORE OPTIONS > Digital Card.

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. Most financial institutions will reject the transaction and charge a fee. Stanford FCU will reject the transaction, but we won’t charge a 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. Although there are funds on deposit, a transaction may be declined because the purchase would overdraw the account. Since the check has not cleared, a financial institution 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.

There are options available to protect you from an overdrawn account. Learn more about our overdraft protection options.

 

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