When you have many accounts, it's rare, but happens - you lose track and incur an NSF. This pretty much wipes out any interest you may have earned during the year. It would be GREAT if there was a little leniency for the great customers who have more than enough money in their accounts to cover insufficient funds in one account. Hey BECU - how about waiving one NSF fee per year on each account? Hopefully I would never get there, but it would be comforting to know that it's available. Thank you!