Finance
14 columns
800 rows
8 formats

Overdraft and NSF Processing

This dataset provides detailed records of overdraft and non-sufficient funds (NSF) processing for banking accounts, including coverage decisions, courtesy pay limits, overdraft protection transfers, and associated fee assessments. It enables comprehensive analysis of account risk, fee revenue, customer protection utilization, and regulatory compliance for financial institutions.

last updated 29 Oct 2025
by GoMask

The brief that made it

Analyze customer overdraft and NSF patterns for risk assessment

Sample rows

preview · 8 of 800 rows · all 14 columns

transaction_idstring	fee_typestring	fee_assessedfloat	overdraft_protection_enabledboolean	transaction_typestring	account_idstring	transaction_datedatetime	transaction_amountfloat	decisionstring	courtesy_pay_limitfloat	overdraft_protection_source_account_idstring	overdraft_protection_transfer_amountfloat	fee_posted_datedate	transaction_descriptionstring
TXN100001	overdraft_fee	35	false	overdraft	ACC900001	2024-03-12T09:22:38	134.87	approved	blank	blank	blank	2024-03-13	Debit card purchase resulted in overdraft
TXN100002	nsf_fee	32	false	nsf	ACC900002	2024-03-14T15:45:12	980.55	returned	blank	blank	blank	2024-03-14	Check payment returned for insufficient funds
TXN100003	courtesy_pay_fee	28	true	courtesy_pay	ACC900003	2024-03-15T11:02:26	55.24	paid	100	blank	blank	2024-03-15	Courtesy pay covered POS purchase
TXN100004	transfer_fee	10	true	overdraft_protection_transfer	ACC900004	2024-03-16T13:29:45	250	approved	blank	ACC900021	250	2024-03-16	OD protection transfer from savings
TXN100005	overdraft_fee	0	false	overdraft	ACC900005	2024-03-17T17:16:03	72.19	declined	blank	blank	blank	2024-03-17	ATM withdrawal rejected, overdraft declined
TXN100006	nsf_fee	36	false	nsf	ACC900006	2024-03-18T09:05:14	1200	returned	blank	blank	blank	2024-03-18	ACH payment returned for NSF
TXN100007	courtesy_pay_fee	30	true	courtesy_pay	ACC900007	2024-03-19T10:11:59	80	paid	200	blank	blank	2024-03-19	Courtesy pay covered utility bill
TXN100008	transfer_fee	8	true	overdraft_protection_transfer	ACC900008	2024-03-20T16:49:21	115.66	approved	blank	ACC900023	115.66	2024-03-20	OD protection transfer from linked checking
TXN100009	overdraft_fee	35	false	overdraft	ACC900009	2024-03-21T14:32:00	37.5	approved	blank	blank	blank	2024-03-22	Overdraft approved for mobile deposit
TXN100010	nsf_fee	30	false	nsf	ACC900010	2024-03-22T08:21:45	462	returned	blank	blank	blank	2024-03-22	NSF returned: online bill payment
TXN100011	courtesy_pay_fee	30	true	courtesy_pay	ACC900011	2024-03-23T18:55:32	120	paid	150	blank	blank	2024-03-24	Courtesy pay covered restaurant charge
TXN100012	transfer_fee	5.99	true	overdraft_protection_transfer	ACC900012	2024-03-24T12:05:05	500	approved	blank	ACC900045	500	2024-03-24	OD protection transfer from business account
TXN100013	overdraft_fee	35	false	overdraft	ACC900013	2024-03-25T09:33:51	65	paid	blank	blank	blank	2024-03-25	Overdraft paid for grocery store purchase
TXN100014	nsf_fee	35	false	nsf	ACC900014	2024-03-26T16:43:50	89.9	returned	blank	blank	blank	2024-03-26	NSF returned: debit card purchase
TXN100015	courtesy_pay_fee	25	true	courtesy_pay	ACC900015	2024-03-27T11:17:20	66.99	paid	70	blank	blank	2024-03-27	Courtesy pay for pharmacy transaction
TXN100016	transfer_fee	7	true	overdraft_protection_transfer	ACC900016	2024-03-28T09:00:01	60.25	approved	blank	ACC900028	60.25	2024-03-28	OD protection transfer from spouse's account
TXN100017	overdraft_fee	0	false	overdraft	ACC900017	2024-03-29T14:38:39	23.16	declined	blank	blank	blank	2024-03-29	Debit purchase declined, overdraft not covered
TXN100018	nsf_fee	31	false	nsf	ACC900018	2024-03-31T11:32:26	735	returned	blank	blank	blank	2024-03-31	NSF returned: e-transfer
TXN100019	courtesy_pay_fee	27	true	courtesy_pay	ACC900019	2024-04-01T08:30:30	45.8	paid	80	blank	blank	2024-04-01	Courtesy pay for online subscription
TXN100020	transfer_fee	12	true	overdraft_protection_transfer	ACC900020	2024-04-02T19:21:13	1200	approved	blank	ACC900032	1200	2024-04-03	OD protection transfer from savings

What the 800 rows show

from the 800-row sample

Transfer_fee (fee type) stands out: mean fee_assessed is 11.1, against 29.2 for the rest.

39%overdraft_protection_enabled = true
30.0median fee_assessed
4decisions
130.0median transaction_amount
120median courtesy_pay_limit
600.0median overdraft_protection_transfer_amount

Mean fee_assessed by fee_type800 rows

fee_assessed800 rows, in bands of 10

Median 30.0, from 0.0 to 100.0.

transaction_type800 rows · 4 values

overdraft243
nsf211
courtesy_pay192
overdraft_protection_transfer154

14 columns by typefrom the column list below

string 7
float 4
date 1
datetime 1
boolean 1

Columns

14 columns in four groups

blueprint · 14 columns
column	type	description	example
Text 7 columns
`transaction_id`	string	Unique identifier for each overdraft or NSF transactionunique	TXN100001
`account_id`	string	Unique identifier for the customer account involved in the transaction	ACC900001
`transaction_type`	string	Type of transaction (e.g., overdraft, NSF, overdraft protection transfer)4 values	overdraft
`decision`	string	Decision made regarding overdraft coverage (e.g., approved, declined, paid, returned)approved · declined · paid · returned	approved
`overdraft_protection_source_account_id`	string	Identifier for the source account used for overdraft protection transfer (if applicable)optional	ACC900021
`fee_type`	string	Type of fee assessed (e.g., overdraft fee, NSF fee, transfer fee)overdraft_fee · nsf_fee · transfer_fee · courtesy_pay_fee	overdraft_fee
`transaction_description`	string	Additional details or description for the transactionoptional	NSF returned: e-transfer
Numbers 4 columns
`transaction_amount`	float	Amount involved in the transaction0 or more	134.87
`courtesy_pay_limit`	float	Maximum courtesy pay limit available for the account at the time of transaction0 or more · optional	100
`overdraft_protection_transfer_amount`	float	Amount transferred from the protection source account to cover the overdraft (if applicable)0 or more · optional	250
`fee_assessed`	float	Fee charged to the account as a result of the transaction0 or more	35
Dates and times 2 columns
`transaction_date`	datetime	Date and time when the overdraft or NSF transaction occurred	2024-03-12T09:22:38
`fee_posted_date`	date	Date when the fee was posted to the accountoptional	2024-03-13
True or false 1 column
`overdraft_protection_enabled`	boolean	Indicates if overdraft protection is enabled for the account	false

Use it for

A finance dashboard
The overdraft_protection_enabled rate, fee_assessed by fee_type and a breakdown of transaction_type. Excel, Power BI or Tableau.
Why do the 159 transfer_fee rows have a mean fee_assessed of 11.1?
A root-cause class exercise
Hand out the rows and one question. The answer is in the data, not in the brief.
Transactions800
TXN10000135overdraf…
TXN10000328courtesy…
TXN10000410transfer…
A software demo
Believable transactions with account_id, transaction_date and transaction_type to fill a screen in front of a buyer.

This dataset800 rows14 columns

Yours1,000 rows14 columns

blueprint · overdraft-and-nsf-processing

Behind this dataset

Same schema. As many rows as you need.

These 800 rows came out of a blueprint — 14 columns with generation rules behind each one. Open it in Data Factory to retune a column, add your own, wire in foreign keys, and run it at the size you actually need.

Rules it was built with

Opt-in required for ATM/debit overdrafts per Reg E
Standard overdraft for checks and ACH
Courtesy pay limit: typically $500-$1,000
Overdraft fee: $30-$35 per item
NSF fee same as overdraft fee
Maximum fees per day cap: 3-4
Negative balance must be resolved within 30 days
Overdraft protection transfer from savings

Rows1,000 rows10,000 rows100,000 rows1,000,000 rows

Open the blueprint in Data Factory

1 credit per row. Preview 20 rows free. Buy rows for the full run.

Exports: CSV, JSON, JSONL, Parquet, SQL, Excel, TSV, XML
Licence: yours to use, including commercially
API slug: overdraft-and-nsf-processing

What should your data show?

No signup. No card.

Sample rows

What the 800 rows show

Columns

Use it for

A finance dashboard

A root-cause class exercise

A software demo

Make it yours.

Same schema. As many rows as you need.

More in Finance

What should your data show?