The data: US banks with more than $1 billion in assets collected $2.96 billion in overdraft and nonsufficient funds (NSF) fees in the first half of 2026, putting them on pace to generate nearly $6 billion this year, according to a Motley Fool Money analysis of Federal Financial Institutions Examination Council (FFIEC) Call Report data.

And buy now, pay later (BNPL) services introduce additional overdraft risks for consumers. Payments are typically deducted automatically—while that means delinquencies for BNPL loans are relatively low, it can lead to cash crunches if customers don’t have the funds in their account to make the payment.

• 11% of BNPL users reported incurring an overdraft or NSF fee triggered by a BNPL payment over a one-year period, according to Federal Reserve data.
• That share climbed to 18% among BNPL users with less than $100 in emergency savings, compared with just 4% among those who could cover a $2,000 emergency.

Why it matters: Banking fees can put customer relationships at risk. According to EMARKETER's survey data, high fees were the most common reason US banking consumers considered switching their primary financial institution, cited by 29.5% of potential switchers.