State Allowed NSF Fees

For check payments that are returned for lack of funds, the below amounts reference the maximum a merchant can charge for recovery by State.

Recovery costs are paid by the check writer. Check writers agree to pay these check recovery fees when check payments are accepted by merchants who have appropriately provided notice of such fees (at the point-of-sale, in the language of any agreement, or electronically).

Alabama $30 Montana $30
Alaska $30 Nebraska $25
Arizona $25 Nevada $25
Arkansas $30 New Hampshire $25
California $25 New Jersey $25
Colorado $20 New Mexico $30
Connecticut $20 New York $20
Delaware $40 North Carolina $25
District Of Columbia $25 North Dakota $40
Florida

$25 is amount is < or = $50

$30 if amount is < or = $300

$40 if amount is < or = $800 -or- 5% of check amount if > $800

Ohio $30 or 10% of check amount, whichever is greater
Georgia $30 if amount is < or = $600 5% of check amount if > $600 Oklahoma $25
Hawaii $30 Oregon $25
Idaho $20 or amount of check, whichever is less Pennsylvania $25
Illinois $25 Puerto Rico $10
Indiana $25 Rhode Island $25
Iowa $30 South Carolina $30
Kansas $30 South Dakota $40
Kentucky $25 Tennessee $30
Louisiana

$25 or 5% of check amount, whichever is greater

Texas $30
Maine $25 Utah $20
Maryland $35 Vermont $25
Massachusetts $25 Virginia $50
Michigan $25 Washington Lesser of $40 or face amount of check
Minnesota $30 West Virginia $25
Mississippi $40 Wisconsin $25
Missouri $25 Wyoming $30

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