Thank you all for answering. It is our only account (out of 4) that ever gets overdrawn and never by very much. We will let our lender know tomorrow and see if she thinks is will not be a problem or whether we should get a VOD. My husband says his friend just got a home loan and had NSF charges every month. Alot of them can be explained as lack of communication between my spouse and I, or like the charges this last month, a miscommunication between a merchant and the bank. In the last two months there have been 5 NSF charges but I am still nervous that they will look at YTD charges. In the beginning I would put money into that account manually instead of auto pay and that resulted in a cont. neg balance in march and april. We finally switched it over and have had little issues other than the occasional forgetfulness on my part. With two boys I would hope they understand that it hasn't effected our rent or car payments or credit cards, those are always on time. The charges were for mundane things, not usually charging over 15.00. Still have knots in my stomach though, hopefully since UW hasn't happened if she thinks it will be an issue we can just go with a VOD for that account.