Regarding NSF fees, which statement is accurate about whether they are matched to specific transactions on an account?

• A. False
• B. True
• C. Not sure
• D. It depends on the account

Answer: (A)

NSF fees arise when there isn’t enough money in the account to cover a transaction. The fee isn’t typically tied to a single, specific transaction in a one-to-one way. Instead, banks apply the fee based on their overdraft policy, often per item that overdraws or per day if multiple items post. So the idea of the fee being matched to a particular transaction isn’t generally accurate. Depending on the bank, you might see one NSF fee for each item that bounces, or multiple fees if several items post, but there isn’t a guaranteed, exact mapping of the fee to a specific transaction.