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Topic: Non sufficient funds

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	Member Privilege Overdraft Protection (Site not responding. Last check: 2007-10-09)
		Before Member Privilege goes into effect, funds will first be taken through your "draft path" and use funds you have authorized (including share suffixes and overdraft) from all your suffixes.
		However, once this service is removed, you should keep in mind that if an item is presented for payment and there are not sufficient funds in your account, the item will be returned to the payee and our standard NSF fee of $20 will be charged per item.
		You will be notified by mail of any non-sufficient funds items paid or returned that you may have; however, we have no obligation to notify you before we pay or return any item.
	www.deseretfirstcu.org /mempriv.asp (1265 words)

	Saint Joseph's University: Greetings from the President
		It is the responsibility of each University department to ensure all budget lines have sufficient funds before sending transactions or purchasing services from the Office of Financial Affairs, Purchasing Department, Travel Area, University Press, Information Technology and the Mailroom.
		If it is determined that there are non-sufficient funds to support the order, the requisition will not be processed until a budget adjustment has been made to support the purchase.
		If there are sufficient funds in the next fiscal year budget the purchase order will be approved and processed.
	www.sju.edu /financial_affairs/nsfpolicy.html (889 words)

	Wage Claim Decision Linville v. Rodgers (Site not responding. Last check: 2007-10-09)
		However, under the law, if the claimant has established facts which entitle her to a penalty for violation of the wage payment laws, the department is not able to waive the penalty on her behalf.
		In particular, the rules of the department provide that when an employer has issued a non-sufficient funds payroll check, the application of the full penalty is mandatory and to be waived only "upon written mutual agreement of the parties and the department." Admin.
		Although Rodgers paid the wages represented by the non-sufficient funds check to Linville through the department after she filed her claim, he remains liable to her in the amount of $148.50 for the balance of her wages, plus penalties as provided by law.
	dli.state.mt.us /hearings/decisions/2004/whdec1629_2004.htm (2360 words)

	Non-Sufficient Funds (NF)
		The Non-Sufficient Funds (NF) document backs out a Cash Receipt (CR) document and assesses fees when a customer's check is returned because the customer's account does not have enough money to cover the amount of the check.
		Amount is inferred from NSF Check Charge on Revenue Option by Agency and Revenue Source (ROAR) in the case where the agency has entered data in ROAR.
		Ensure that all of the receivables referenced on the Non-Sufficient Funds (NF) document lines are for the same customer and billing code.
	ky.gov /agencies/adm/mars/advantage/Mars-39.html (617 words)

	NSF -- non-sufficient funds Main story
		The dubious distinction of having the highest NSF fee in the country goes to Mellon Bank.
		The lowest NSF fees, whether at credit unions, banks or thrifts, are in California.
		The initial NSF fee is just part of the picture when it comes to bouncing checks.
	www.bankrate.com /brm/news/chk/20010508a.asp (756 words)

	Non Sufficient Funds - Hooked On Addictions (Site not responding. Last check: 2007-10-09)
		The band was formed in September 1997 and has been taming the Quebec punkrock scene for years now.
		NSF is one of the most promising bands in the genre.
		Their well written melodic guitar lines supported by a good old school drumming and clean vocals have formed a unique style of punkrock.
	www.folktrax.com /others/FRZ011.php (66 words)

	Heritage Bank Online - Overdraft Advantage Customer Overdraft Policy (Site not responding. Last check: 2007-10-09)
		However, if you maintain your account in good standing (defined as making regular deposits and bringing your account to a positive balance at least once every 45 days) and there are no outstanding legal orders or fraudulent activity, we may approve your reasonable overdrafts as a non-contractual courtesy.
		A non-sufficient funds item charge will be assessed for each NSF item.
		The amount of any overdrafts plus non-sufficient funds handling fee charge(s) that you owe us shall be repaid to us within 45 days or collection process will begin.
	www.heritagebankwa.com /site/prodserv_addserv_overdraft_policy.html (415 words)

	Saint Joseph's University: Greetings from the President
		In order for a Request for Funds to be processed, a department must have sufficient funds in the budget line(s) being charged.
		If there are non-sufficient funds in the budget line the department will be notified by e-mail to process a budget adjustment to cover the overdraft.
		All Request for Funds must be received by 12 noon on Monday for disbursement on Tuesday and by noon on Wednesday for disbursement on Thursday.
	www.sju.edu /financial_affairs/accpayable.html (1050 words)

	New Page 1 (Site not responding. Last check: 2007-10-09)
		Whether we pay or return an item, your account will be assessed a fee, either as a Courtesy Pay charge or a Non-Sufficient Funds charge but you will not be charged both fees.
		Courtesy Pay offers additional flexibility and convenience in managing account holder funds, and provides peace of mind knowing that checks may be paid up to the authorized overdraft limit.
		No additional agreements need to be signed, and it costs nothing unless the privilege is used - by initiating checks, electronic funds transfers, or other payment or withdrawal requests for more than is on deposit in the account.
	www.american1fcu.org /Lending/courtesy_pay_disclaimer.htm (312 words)

	.: Corvallis Gazette-Times :. Archives (Site not responding. Last check: 2007-10-09)
		Most credit unions in the market for a new processor vendor are asking for an automated non-sufficient funds program, and the alliance with John M. Floyd & Associates will help Summit meet the demand, said Christine Pearsall, vice president of marketing and sales support at Summit.
		Dave Pumper of Summit's marketing communications department said the cost of the non-sufficient funds program to credit union members will be less than the hassle and costs associated with returning a bad check.
		At the request of the individual, the credit union could put additional funds into the person's account to cover the overdraft.
	www.gazettetimes.com /articles/2005/01/21/news/business/monbiz03.txt (330 words)

	City National Bank - Overdraft Privilege (Site not responding. Last check: 2007-10-09)
		Rather than automatically returning unpaid any insufficient funds items that you may have, we will consider, without obligation on our part, payment of your reasonable overdrafts.
		We will charge our normal non-sufficient funds or overdraft charge, as set forth in our fee schedules, for each item that would create an overdraft on your account.
		The deposit of items which according to the Funds Availability Policy, are treated as not yet "available" or finally paid.
	www.citynationalbank.com /Pages/overdraft.html (648 words)

	[No title]
		Transactions to transfer the year-end balance in the NSF charges account to the Office of the State Treasurer’s GPR-earned appropriation.
		Although revenue in the General Ledger is credited at the time the RE is entered, the receipts on the Appropriation Table (EAP2) are not updated until the receivable is collected and recorded on a cash receipt.
		NSF ENTRIES FOR ACCOUNTS RECEIVABLE ESTABLISHED WITHIN THE WISMART — ARS The NSF entries for accounts that are established within the WISMART — ARS follow this accounting cycle: Transactions to record the return of the NSF item.
	www.doa.state.wi.us /docs_view2.asp?docid=598 (1026 words)

	City of Concord
		If you feel that your bill does not reflect payments or a deposit that you have made prior to the closing date of your bill, or to inquire about non sufficient funds, you may contact the Collections Department at (704) 920-5238.
		To assist us in providing you the most sufficient processing of your utility payment, please use the return envelope and billing stub provided to you each month.
		A. If more than 1 check is returned in a 60-day period of time for non-sufficient funds, your account will be coded for CASH ONLY payments for a one (1) year period of time.
	www.ci.concord.nc.us /finance_8.asp (507 words)

	Frequently Asked Questions About NSF Checks
		If the NSF checks you want to represent are from any other processor, or if they are regular pre-printed checks, you only need to enter the information exactly as it appears on the NSF check.
		In addition, there is absolutely no guarantee that the funds will be captured on the first attempt and may require another.
		When you use this service, you are converting a paper NSF check into an electronic transaction; this is the first method that should be used to retrieve an NSF check.
	www.rcklockbox.com /faqlist.html (918 words)

	1998 Real Estate Disciplines (Site not responding. Last check: 2007-10-09)
		Two checks which were drawn upon an account of Newmann and Associates for the disbursement of the funds to the owner were dishonored due to insufficient funds.
		Schwartz pled guilty and was convicted of two criminal charges: theft of over $10,000, and perjury in regard to his statements under oath to the Attorney Registration and Disciplinary Commission.
		Bruun on misapplication of bank funds charges, as well recent allegations regarding unauthorized control regarding the trust accounts of a disabled person, and Mr.
	www.obre.state.il.us /REALEST/REDISP/REDIS98.HTM (7626 words)

	Duke University Federal Credit Union :: Disclosures
		To help the government fight the funding of terrorism and money laundering activities, Federal Law requires all financial institutions to obtain, verify and record information that identifies each person who opens an account.
		Whether we pay or return a Non-Sufficient Funds item, a per-item fee will be charged to the account as a Non-Sufficient Funds or Courtesy Payment charge, as set forth in our fees schedule.
		We may refuse to process your payment if sufficient funds, including funds available under any overdraft plan, are not available in your Account(s) on the Transaction Date.
	www.dukefcu.duke.edu /site/footer_disclosures.html (4293 words)

	Welcome to First State Bank! (Site not responding. Last check: 2007-10-09)
		Overdraft Privilege is extended to you to provide additional flexibility and convenience in managing your funds, and to provide you with peace of mind knowing your checks will be honored up to your assigned overdraft privilege limit.
		It is the policy of our bank to comply with applicable laws and regulations and to conduct business in accordance with applicable safety and soundness standards.
		Limitations: Available only to consumer accounts (excluding Money Market Funds and Minor Accounts) for personal and household use and we may limit the number of accounts eligible for Overdraft Privilege to one account per household.
	www.1sbjc.com /od.htm (532 words)

	T&C Federal: About Us: Miscellaneous Pages: T&C Courtesy Pay (Site not responding. Last check: 2007-10-09)
		You will only be charged a Non-Sufficient Funds charge if we do not pay the overdraft.
		If funds are not available in your account to pay an item, we will first attempt to clear the item by using any overdraft protections you have set up.
		In any case, funds are taken from your Courtesy Pay limit last.
	www.tcfcu.org /newhome/misc/1_2933.php3 (422 words)

	Spring 2002 Checking Account pricing Study -- Checking accounts (Site not responding. Last check: 2007-10-09)
		The average non-sufficient funds (NSF) fee reached a new high of $25.21, a 1.4 percent increase since October.
		The highest NSF fee, $35, is the same since October 2000.
		The lowest NSF fee, $14, is up from $12 in October.
	www.bankrate.ca /brm/news/chk/20020328b.asp (1329 words)

	Non-Sufficient Funds (Site not responding. Last check: 2007-10-09)
		Using the electronic process, when a customer bounces a check, the merchant’s bank forwards the non sufficient funds check to the check recovery company and they convert the returned paper check into an electronic transaction.
		Non sufficient funds checks are generally electronically represented within 24 hours of a check recovery company receiving them.
		Recover more of your money as non sufficient funds checks are presented electronically directly into the consumer's check account.
	www.checkrecoveryresource.com /Non-Sufficient-Funds.htm (371 words)

	Lake City Bank
		It is the policy of Lake City Bank (hereafter known as the Bank) to comply with all applicable laws and regulations, and to conduct business in accordance with applicable safety and soundness standards.
		Any discretionary courtesy payment by the Bank of any non-sufficient fund check or checks (or other items) does not obligate the Bank to pay any additional non-sufficient fund check(s) or item(s) or to provide prior written notice of its decision to refuse to pay any additional non-sufficient fund check(s) or item(s).
		ACCOUNT FEES: Whether the bank pays or returns a Non-Sufficient Funds item, a flat per-item handling fee will be charged to your account as on Overdraft Item Paid Charge, as set forth in the current Schedule of Bank Service Fees.
	www.lakecitybank.com /Personal/overdraft_privileges_policy.asp (568 words)

	DATCU - Disclosures - Account Agreement (Site not responding. Last check: 2007-10-09)
		You also authorize us to deduct any overdraft from your next deposit, to withhold or to transfer funds from any other Account to which you are a party in amounts sufficient to cover any overdraft, or to use any other collection remedy available to us at law.
		Funds on deposit will be transferred to your regular Share Savings (01) Account.
		If the Owner of any Account gives the Credit Union a payment order which identifies any bank and the funds transferred by name, and by a routing/transit or other identifying number, a receiving bank may rely on that number as the proper identification even if it identifies a bank different from the named bank.
	www.datcu.org /acct_agreement4.shtml (2536 words)

	Central One FCU - Overdraft Programs
		If there are not sufficient funds or you have overdrawn six (6) times, checks will not clear and will be declared as non-sufficient funds in the account.
		Courtesy Pay may cover your insufficient funds checks up to your approved limit, for one low fee per covered overdraft transaction.
		That means instead of returning a check to a merchant because of insufficient funds, the credit union may pay your check, saving you additional charges from the merchant collection companies.
	www.centralfcu.com /prodserv/overdraft.html (439 words)

	[No title] (Site not responding. Last check: 2007-10-09)
		However, if you maintain your account in good standing, defined as: a) making regular deposits; b) bringing the account to a positive balance every thirty days or less; and c) there are no legal orders outstanding (such as garnishments and levies), we will approve your reasonable overdrafts as a non-contractual courtesy.
		You will be notified by mail of any non-suficient funds items paid or returned that you may have; however, we have no obligation to notify you before we pay or return any item.
		ACCOUNT FEES: Whether we pay or return a Non-Sufficient Funds item, a flat per-item handling fee will be charged to your account as a Non-Sufficient Funds or Overdraft (NSF/OD) Charge, as set forth in our regular fee schedule.
	www.fblbank.com /fblnew/AOPpolicy.htm (382 words)

	Courtesy Pay Overdraft Disclosure (Site not responding. Last check: 2007-10-09)
		We will charge our normal $20 NSF (non-sufficient funds) charge, as set forth in our fee schedules, for each item that would overdraw your checking account.
		We may refuse to pay an overdraft for you at any time, even though your account is in good standing and even though we may have previously paid overdrafts for you.
		The amount of any overdrafts plus our Non-Sufficient Funds (NSF) Fee(s) that you owe us shall be due and payable upon demand.
	www.firstcu.coop /CPOdisclosure.htm (565 words)

	Welcome to Greater Rome Bank (Site not responding. Last check: 2007-10-09)
		You do not have to sign any additional documents and it costs you nothing unless you use the service - by initiating checks, electronic funds transfers, or other payment or withdrawal requests for more than the amount of collected (available) funds you have on deposit in your account.
		We are not obligated to pay any item presented for payment if your account does not contain sufficient collected funds even if we may have previously paid such items.
		Rather than automatically returning, unpaid, any non-sufficient funds items that you may have, if your eligible account (primarily used for personal and household purposes) has been open for at least thirty (30) days and thereafter you maintain your account in good standing, which includes at least:
	www.greaterromebank.com /p_overdraft.htm (842 words)

	3230 Regulation (Site not responding. Last check: 2007-10-09)
		The purpose of this document is to list the procedures that should be followed when the Business Office receives notice of checks returned to our bank because of either non-sufficient funds or if an account is closed.
		This means that when the funds are available at the person's bank, the District has priority to these funds before any other checks.
		When payment is made on an NSF check, the school will be immediately notified.
	www.woodridge68.org /bd_plcy/3230r.htm (273 words)

	Welcome to NIH Federal Credit Union (Site not responding. Last check: 2007-10-09)
		Courtesy Pay may provide certain accountholders in "good standing" with the ability to overdraw their personal checking account up to $500.
		Courtesy Pay offers additional flexibility and convenience in managing accountholder funds, and provides peace of mind knowing that checks may be paid up to the authorized overdraft limit.
		Courtesy Pay allows NIH Federal Credit Union to provide a higher level of service to our members by helping to protect your account and reputation when an inadvertent overdraft occurs.
	www.nihfcu.org /disclosures/disclosures_courtesy.cfm (330 words)

	Europunk.net - Band Profile: Non Sufficient Funds
		The band was formed in September 1997 and has, like most other bands in the world today, suffered many line up changes.
		The new final version of the band, has been taming the Quebec punkrock scene for two years now, and according to their fans, NSF is one of the most promising bands in the genre.
		Their well driven melodic guitar lines supported by a good old school drumming and clean vocals have formed together a unique style of punkrock.
	www.europunk.net /band.php?id=84 (130 words)

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