If there are not enough funds in your account to pay all of the transactions that need to be posted, you may be charged a fee. If the Bank pays your items, the amount of the transactions will be debited to your account resulting in an overdraft and you may be charged an Overdraft Item Paid Charge of $36.00 for each item. If you participate in our Overdraft Privilege (ODP) you may only be charged a maximum of five charges each business day for a total of $180. If the Bank returns your items, the amount of the transaction will not be debited to your account and you will be charged an NSF Return Charge of $36.00 for each item. Your account may be assessed additional fees if it remains overdrawn. Please refer to the Schedule of Fees for additional information.