A few months ago I had a rough spot, and to make ends meet I basically had to overdraft. I have never had any bad checks. Actually, I dont even use checks. I think it would show as a check though. It was from my check card. Anyway.. its a local hometown CU, not very big. I do not know if they even use/check chex. But would Paid NSF be reported to chex? I still have this account, and maintain a healthy balance now.

Usually you cannot overdraw with a check card. They will deny the transaction. Are you sure you had an overdraft?

sorry I meant it came straight out of my checking, electronic transfer. was half asleep this morning.