Is it legal for a bank to charge excessive amount of NSF charges without contacting you to see what's going on with the account?

It is legal for the bank to charge a fee for every nsf check on the account. Now they can't charge you an nsf fee that's higher than what they would charge anyone else. But, if there were 10 nsf checks, then they can (and will) charge 10 nsf fees.By the wording of the question "without contacting you to see whats going on with the account" I assume you mean do they have to call you to discuss this nsf problem?

If so, then no, they don't. They did send you notices of the nsf/fee, right? Answer Most banks will not contact you about NSF fees, so you may have them accumulating for days.

Also, if you run out of money, you can often still withdraw money from an ATM, which will also generate a fee. It is up to you to track the money in your account.It is a tough lesson to learn, but you can go to the bank and ask for some relief in fees, if this has not happened to you before. Set up a savings account to be tied to the checking account so that you do not get caught in this bind again.

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