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Non-Sufficient Funds (NSF) Transactions

Understanding and prevention

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Non-Sufficient Funds (NSF) Transactions


Understanding Non-Sufficient Funds (NSF) Transactions

We want to make it easy for you to understand the fees and charges that may apply to your checking account.

What an NSF transaction is:
A transaction that would result in a negative account balance if paid is called a non-sufficient funds transaction. An overdraft occurs when we pay your NSF transaction.

How it’s determined:
We post transactions at the end of the business day. We determine if you have an NSF transaction based on the actual balance in your account after the transaction is posted.

We understand that situations may still happen that result in NSF transactions you would like to have paid. To increase the likelihood that happens, we offer several overdraft service options. Learn more here.


How your transactions work

The way we post transactions impacts your actual account balance. We generally post in this order:


First, we add deposits to your account, based on our Funds Availability Policy.

Second, we subtract debit card transactions and ATM withdrawals, in chronological order from oldest to newest.* Transactions without a timestamp are posted after the others, from the lowest dollar amount to the highest.

Third, we subtract other electronic transactions by type. Transactions of the same type are posted from the lowest dollar amount to the highest.

Fourth, we subtract checks in check number order from lowest to highest, followed by in-person transactions from the lowest dollar amount to the highest.

Finally, we subtract non-transactional fees (such as a paper statement fee). Fees that are caused by a transaction, such as an Overdraft or Returned Item Fee, are posted immediately after the transaction that caused the fee.

*Sometimes an everyday debit card transaction ends up being an NSF transaction, even though your account had sufficient funds when we authorized the transaction. This may happen due to several factors, including the authorized amount being lower than the payment amount and/or the impact of the other transactions that posted between authorization and submission for payment, as sometimes the merchant delays submission for payment.


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You're in control

You can avoid NSF transactions by ensuring you’ve made (and we’ve cleared) sufficient deposits or transfers to cover your account activity before the business day ends. Here’s a guide to our cutoff times for making a deposit or transferring money from another Camden National Bank account:

At one of our banking center locations before it closes

At one of our envelope-free ATMs* or through mobile deposit before 7:00 pm ET

As a transfer through online banking or our mobile app before 8:30 pm ET

*Eligible funds from deposits made by envelope at our ATMs before 2:00 pm ET will be available next business day. All deposits are subject to proof and verification. Please see our Funds Availability Policy for more details.

There is no cost to participate in the Progressive Pay service.

  • Transactions that are paid using the Progressive Pay coverage amount are subject to our standard Overdraft Fee.
  • Transactions that are returned because you have exceeded your Progressive Pay coverage amount are subject to our standard Returned Item Fee.