If you’ve been in a similar scenario, you’re not alone: you write a rent check for $800, only for the check to bounce. You could have sworn you had at least $1,000 in your account, but alas, you were a few dollars short, so you have what is called “nonsufficient funds.” You apologize to your landlord, but to rub salt in the wound, you now have an additional $34 charge on your account! This fee is called a nonsufficient funds fee (or NSF fee) or a “returned item fee.” What is an NSF fee for, though, and why were you