01 · bank
Which fee was charged?
Identify only the bank's NSF line item and the account scope before applying the federal cap.
Private checklist
Build the incident sequence.
Use the bank notice and account agreement beside you. Choose only bounded categories; keep all names, dates, amounts and documents off this page.
Browser-private · aggregate stages only
Provincial credit unions and other accounts may have different rules.
Exclude any separate payee charge from this answer.
Your private sequence
Do now
Ask the bank
Prevent a repeat
This planner does not determine whether a charge is lawful, resolve a complaint, contact the bank or payee, or submit documents. It is general information, not legal or financial advice.
Four separate questions
Do not collapse the incident.
A bank NSF fee, the unpaid obligation, a payee's separate charge and any credit consequence require different evidence and follow-up.
02 · payee
What happened to the payment?
Ask whether it was returned, remains due, will be retried automatically or triggered a separate payee charge.
03 · complaint
What outcome do you want?
State the correction or refund sought, retain the acknowledgment and track the bank's written response.
Corrected August 13, 2026: the contradictory statement that the old $45–$48 regime remained in effect, historical bank table, invented waiver-success percentage, categorical credit-report claims, unsupported overdraft pricing and buffer amounts, KOHO product claims and repeated referral CTAs, pre-consent Google analytics and duplicate footer were removed.
Primary sources
Verify scope and process.
Reviewed August 13, 2026. File the complaint with the bank directly: FCAC does not resolve individual complaints, though it explains and supervises the process. Current rules, institution scope and complaint processes can change; primary sources and written account terms control.
FCAC · March 2026 NSF rulesThe $10 cap, two-business-day limit and under-$10 overdraft protection for in-scope personal accounts.FCAC · Chequing accountsCurrent fee, NSF, account-agreement and alert guidance, including the business-account boundary.FCAC · Pre-authorized debitsPayment agreements, cancellation, stop-payment timing and returned-payment considerations.