Will my bank use money deposited in my savings account to pay an NSF in my checking account?

The only way the bank will take from your savings account to cover the NSF fee is if you have an agreement with the bank to automatically pull from the savings. Banks are not allowed legally to get into your savings without your prior written knowledge.

It depends upon what you agreed to (the fine print) when you opened the accounts. Some banks will and some won't.

if you have overdraft protection service (or something similar) than they will take the money from your savings account, if you deposit it there. if you dont have that service (overdraft protection), than the bank will wait for the deposit to your checking account that will rectify the balance and will asses you a NSF fee plus other per day or what not fees (im not sure what they are at Bank of America). if you wait longer, than they will collect from you what they can

Easier to deal with the problem by making a deposit into your checking account right now to clear up the NSF and worry about the savings account later. Your bank won't automatically pull money out of your savings to cover overdrafts in your checking account unless you gave them specific permission to do so when you set up the accounts. If you can't remember whether you gave them that permission, check with your bank.

Usually, accounts are separate unless you have some weird deal in place tying them together. They won't steal money from one account and put it into another account, especially not in the short-term. Best bet is, check with your bank and ask them anonymously.

With B of A, it depends on if your savings and checking account were linked for check guarantee features. I think with you since your savings is at zero, they will keep the negative amount in your checking.

If the bank finds other funds, they can debit it. If you have a large some of money in the savings, I suggest you close the savings account and go to a difference bank.

you need to set up OVERDRAFT PROTECTION linking the accts. So if the check is going to bounce the money will come from savings. Contact BoA for this.

You may be able to set it up to use your savings as a ready reserve. Fees would probably still apply, but would be less than a NSF fee. Check with BoA.