What Happens if I Don't Pay My NSF Fees?

You typically don’t have a choice about paying NSF fees because the bank deducts them immediately from your account. If you’ve racked up enough fees that your account is in the negative, the bank has the option to shut it usually after a set period of time. If your account is overdrawn, the bank can confiscate cash from other accounts you have with them to make up the difference, or you can try to return it through other means.