It depends on the type of transaction. If you don't have enough money for: A one-time debit card purchase such as groceries or a cup of coffee, the transaction will be declined with no fee. A recurring debit card payment such as for a gym membership or subscription service, we may allow the payment to go through, overdrawing your account, and may charge a fee. If we don't allow the payment to go through, we won't charge a fee. An ATM withdrawal, we may give you the opportunity to overdraw your account for that specific withdrawal if you agree to our overdraft practices and fee at the ATM. If you cancel the withdrawal, we won't charge a fee. Check, Bill Pay payment or a scheduled electronic payment using your routing and account number, we may allow the payment to go through, overdrawing your account, and may charge a fee. If we don't allow the payment to go through and return it unpaid, we may charge a fee. A merchant or third party could also charge you a fee if your payment is not made. Please refer to the Deposit Agreement and Disclosures and the Personal Schedule of Fees for more details.