when there are insufficient funds in an account and a bank decides to bounce a check it charges the account holder an nsf fee if the bank accepts the check but it makes the account negative the bank charges an overdraft fee if the account stays negative the bank may charge an extended overdraft fee 
different banks charge different fees for bounced checks and overdrafts but as of 2022 the average overdraft fee was 29 80 3 banks usually assess this fee on drafts worth 24 and these drafts include checks as well as electronic payments and some debit card transactions 