Hey everyone,
I’m new to the American banking system and had a question about something on my bank statement: NSF reversed item. I noticed it when my landlord cashed my rent check, and I was short about $50 at the time. However, I got paid by my employer later that day, so my account now has enough funds.
But I’m still seeing “NSF reversed item pending” on my account. Does that mean the transaction wasn’t completed earlier, and do I need to write another check?
Thanks for your help!
It signifies that the initial attempt to process your check failed, hence the fee was charged for a subsequent attempt to clear it. If the check still doesn’t clear, it will render it invalid.
The term “NSF” stands for Non-Sufficient Funds, and it indicates that at the time your landlord attempted to cash your rent check, there weren’t enough funds in your account to cover the check.
When you see “NSF reversed item pending” on your account, it typically means that the bank initially returned the check due to insufficient funds, but now that you have deposited enough money, they are processing the transaction again1. This reversal is the bank’s attempt to clear the check a second time now that the funds are available.
You generally do not need to write another check because the bank is already trying to process the original one again. However, it’s always a good idea to keep an eye on your account to make sure the transaction goes through and to communicate with your landlord about the status to avoid any confusion or additional fees.
They returned the check or item. The person will get a legal copy to try and deposit again.