Act ( 12 U.S.C. 5002(6) ), other than a traveler's check. (2) Depository institution The term depository institution has the same meaning as in clauses (i) through (vi) of section 19(b)(1)(A) of the Federal Reserve Act ( 12 U.S.C. 461(b)(1)(A) ). (3) Nonsufficient fund fee The term nonsufficient fund fee means a fee or charge assessed in connection with an overdraft for which a depository institution declines payment. (4) Overdraft The term overdraft means, in a withdrawal by check or other debit from a consumer transaction account in which there are insufficient or unavailable funds in the account to cover such check or debit, the amount of such withdrawal that exceeds the available funds in the account. (5) Overdraft coverage The term overdraft coverage means the payment of a check presented or other debit posted against a consumer transaction account by the depository institution in which such account is held, even though there are insufficient or unavailable funds in the account to cover such checks or other debits. (6) Overdraft coverage fee The term overdraft coverage fee means any fee or charge assessed in connection with overdraft coverage, or in connection with any negative account balance that results from overdraft coverage, excluding— (A) a periodic rate in connection with an extension of credit through an overdraft line of credit program