When you apply for a new overdraft (even if your application is declined).
What you'll pay to have an overdraft.
When you apply for a change (increase) to your overdraft limit.
Tertiary and Graduate Pack customers.
When you exceed your overdraft limit by more than $20 at any time during the month.
$10 per month (this will show on the account you access the overdraft from as an Account out of order fee).