Non-sufficient funds, or NSF fees, are fees charged if you don’t have sufficient funds in your account to make a payment, such as from a recurring payment or a cheque. These fees are usually at least $50, but can be avoided with overdraft protection, which charges you a monthly or per-use fee to protect your account from being overdrawn by your chosen credit limit. If your account is overdrawn, you may have to pay a per-use fee and any interest incurred, along with the amount your account was originally overdrawn by.