What if there are not enough funds in my account to cover an ACH payment?  

In the case of an ACH transaction being rejected for Non-Sufficient Funds (NSF), DreamSpring may at its discretion attempt to process the charge again within 30 days. We will apply an additional $20 charge for each attempt after a returned NSF, which will be initiated as a separate transaction from the authorized recurring payment.  

If DreamSpring receives insufficient funds notices twice in six (6) months, we will block further automatic debits via ACH until we get six (6) consecutive, successful, self-made payments. Any lapse in the streak or any other return code will cause a reset of the counter.