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Founders will assess a $32.00 fee for each NSF transaction. This fee will be reduced to $5.00 if the resulting transaction is between $1.01 and $5.00. Your account must have a positive balance within 30 days of initiating Founders Privilege. Must be 18 years or older, have no negative balances or delinquent loans over 30 days, and your account must not be dormant or have been modified through troubled debt restructuring. Founders offers Founders Privilege as a courtesy and is under no obligation to pay items when your account has insufficient funds, even if previous transactions are paid.