We charge overdraft fees when a transaction exceeds your available balance. Your Account Details section in Mobile and Online Banking show transactions that posted to your account on a given day. You can see how processing transactions and holds impacted your available balance and the order in which transactions were posted to your account by viewing your Account Balance History in Online Banking. Let’s walk through an example: On May 1 you start the day with $50. You buy $20 worth of gas, so your available balance is now $30. A $40 check you wrote comes through, which would exceed your available balance by $10. If we cover the check, your account would be overdrawn by $10 and we would charge you a $35 overdraft fee. Account Details in Mobile and Online Banking would show the $40 check and the $35 overdraft fee for May 1. The $20 gas purchase was still processing, so it didn’t post to your account on May 1. Account Balance History in Online Banking would show how the $20 gas purchase, which was still processing, lowered your available balance to $30, which was less than the $40 check, causing an overdraft and an overdraft fee. Keep in mind that Account Balance History is only available after transactions have posted to your account. The link for Account Balance History can be found just below your available balance on the Account Details screen in Online Banking.