Systems and methods for optimizations involving insufficient funds conditions are provided. An identification of a first account of a customer of a financial institution may be received by a financial system comprising one or more computers. The first account may be a deposit account at the financial institution. Interest income and non-interest income attributable to one or more of a plurality of accounts, including the first account, that the customer has with the financial institution may be analyzed by the financial system. Based at least in part on the analyzed interest income and non-interest income, a recommended next action associated with the first account may be determined by the financial system. The recommended next action may be associated with an actual or potential insufficient funds (NSF) condition associated with the first account.