You will be assessed a $31 NSF fee, just as you would with a standard checking account. We will, however, be unable to honor an NSF check or provide any type of overdraft protection. The Internal Revenue Service (IRS) states that a negative balance in your HSA plan is prohibited by federal law. This means that you cannot have any transaction, fee or charge that causes your HSA plan to have a negative balance. It is extremely important that you do not overdraw your HSA plan. If you do, it is a prohibited transaction and Bellco must close your account. According to the Internal Revenue Code, if an HSA plan results in a negative balance, the HSA will cease to be an HSA on the first day of the year in which the prohibited transaction occurred. You agree to immediately deposit sufficient funds to eliminate the negative balance. Bellco is authorized to transfer funds from any other Bellco account in which you have an interest, to create a non-negative balance in the HSA checking account. We encourage you to set up an account balance alert on your HSA account to help effectively manage your account and avoid a negative balance.