On our disclosures we state an NSF fee for if an account falls insufficient. I have an auditor telling me I have to list every way that the account can fall NSF, i.e, check, ACH, POS...
She is saying it's stated in 230.4 (b)(4). It does say to put the conditions for imposing fees, but I always thought that your account falling NSF was the condition that would cause the fee to be imposed.

Does anyone else do this, or have any opinions?

I appreciate your input.

An exhaustive list is not required. It is sufficient to state, as applicable [Commetary to 230.4(b)(4)#5-page 7464]

"An overdraft fee applies to overdrafts created by check, in-person withdrawl or other electronic means."

Thanks!!!