\\u003cp\\u003eOverdrafts occur when a transaction is paid even though you do not have an adequate balance to cover a transaction presented. At Gate City Bank, a fee is incurred for this type of transaction.\\u003c/p\\u003e\
\\u003cp\\u003eNon-sufficient funds (NSF) refers to when a transaction is declined or returned because you do not have an adequate balance to cover a transaction presented. At Gate City Bank, there is no fee for this type of transaction.\\u003c/p\\u003e