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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 (spending) 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.


Need access to your accounts on the go? 

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.


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