Fee - Why Did My Member Get a Fee?

Helpful Resources

Learn how to research why a fee was charged to a member.

Why Did I Get a Fee?

Use the following table to help explain to a member why that member got an NSF or Automated Non-Return Fee.

Checks

Debit Card Transactions

Tuesday: You write a check to buy something

Tuesday: You use your debit card to buy something

  • We hold the money

Wednesday: You write some other checks

  • We don’t know about them – you keep track

Wednesday: You buy more with your debit card

  • We keep track by holding the money

Thursday: The check from Tuesday comes in

Thursday: The item from Tuesday comes in

We check your available balance – you don’t have enough money available (meaning not committed to other things already) in order to post the item

  • We charge an NSF (or ANR) fee because of what your available balance was at the time the check came in

We check your balance to see if you don’t have enough money available (meaning not committed to other things already) in order to post the item

  • We charge an NSF (or ANR) fee because of what your available balance (or current balance, depending on your configuration - see note at top of this section) was at the time the item came in

Other checks from Wednesday come in

  • If funds are not available (either because you spent too much or because the fee we charged you on Thursday was more than you had left), another NSF or ANR fee will be charged

Other purchases from Wednesday come in

  •  If funds are not available (either because you spent too much via another channel an ACH withdrawal or a check clearing or because the fee we charged you on Thursday was more than you had left), another NSF or ANR fee will be charged

 

 

Comparing Oranges to Tangerines

 

Checks

Debit Card Transactions

  • We didnt hold the money (we didnt know about the checks you wrote)

  • We held the money (the merchant told us you were spending the money)

  • We dont know you wrote another check on Wednesday (you have to keep track)

  • We know you spent more money on Wednesday (the debit card purchases, anyway)

  • We might clear things on Wednesday because we dont know about the one from Tuesday yet

  • We wont clear things that dip into the money you already committed because we know about the ones from Tuesday and Wednesday

  • NOTE: If your credit union force-posts ACH items and even checks (even with Courtesy Pay and ODP programs and fees), this can contribute to the problem since it may use funds that were held for another reason.

  • Other items might come in between the time the checks is written and when it clears (typically called “playing the float”)

  • Other items might come in, but fewer of them, because at least for debit card, ATM, online banking, and similar situations, we check for your prior commitments before we say yes

 

Additional Notes

 

If you want to go a little further, below are some reasons why they may see multiple holds for the same merchant or have a posting without a hold on their account:

 

Link to ID: https://help.cubase.org/cubase/cubase.htm#Fee_Why_Did_My_Member_Get_a_Fee.htm