Answers about Overdraft/NSF Fees and Protection
I wrote a check that was returned because of insufficient funds (NSF) in my account. But the bank never notified me, so other checks bounced and I got hit with several overdraft fees. Shouldn't the bank have sent me a notice?
The bank is not required to notify you when a check bounces because of insufficient funds (NSF). You are responsible for keeping a current and accurate check/transaction register. By balancing it with your monthly statement, you will know your account balance and prevent overdrafts.
State laws generally provide that it is illegal to write a check—knowingly or negligently—without having sufficient funds to cover the check on the day you write it.