When you do not have enough available funds in your account to cover an item, and we decline to pay or return the item unpaid (a returned item), we will charge an NSF: Returned item fee for each returned item over $1. We do not charge you an NSF: Returned item fee when we decline an ATM transaction or an everyday non-recurring debit card transaction. When you do not have enough available funds in your account to cover an item, and we decline or return the item unpaid (a returned item), we charge a $35 NSF: Returned item fee. View our Personal Schedule of Fees for additional fee details.