NSF Return vs Overdraft Compare Lookup

Compare explicit NSF-return versus honored-overdraft scenario charges and shortfall, distinct from posting-order simulation. Caller independently verifies edition, jurisdiction, applicability and one currency; screening does not establish legal compliance, coverage or bank approval.

Description

An insufficient balance can lead either to returning a payment or honoring an overdraft under supplied policy.

An insufficient balance can lead either to returning a payment or honoring an overdraft under supplied policy.^[1]

The shortfall and fee comparison are separate from the actual authorization decision. Use NSF Return vs Overdraft Compare Lookup to evaluate the supplied inputs under the model explained below.

When to use NSF Return vs Overdraft Compare Lookup

Use NSF Return vs Overdraft Compare Lookup to evaluate the supplied inputs under the model explained below. Establish the currency and minor-unit convention, measurement period and applicable transaction or institution context.

How to use NSF Return vs Overdraft Compare Lookup and understand its results

Establish the currency and minor-unit convention, measurement period and applicable transaction or institution context.
Enter Transaction minor, Observed available minor, Caller nsf return fee minor, Caller overdraft fee minor, Caller will honor overdraft using the field table and validation rules below, then run the tool.
Read Shortfall minor, Modeled chosen fee minor, Signed overdraft minus nsf fee minor, Modeled payment honored; interpret the units, signs, ordering and unknown-value placeholders described below.
Correct reported input errors and rerun. Apply successful results according to their specific meanings and check the assumptions before using them in a decision.

Input field	Meaning	Value type	Requirement
transactionMinor	Transaction minor	number	Required; constraints below
observedAvailableMinor	Observed available minor	number	Required; constraints below
callerNsfReturnFeeMinor	Caller nsf return fee minor	number	Required; constraints below
callerOverdraftFeeMinor	Caller overdraft fee minor	number	Required; constraints below
callerWillHonorOverdraft	Caller will honor overdraft	boolean	Required; constraints below

Enter transaction, available balance and both possible fees as nonnegative integer minor units up to 1000000000000, plus whether the modeled policy honors overdrafts. Shortfall is max(0,transaction−available). With no shortfall choose zero fee and honored=true; otherwise select overdraft or NSF fee by the policy boolean and use that boolean as honored status. Return overdraft fee minus NSF fee even when neither is charged. No actual authorization or fee-applicability determination occurs.

shortfall=max(0,transaction−available); selectedFee=shortfall ? (honor ? overdraftFee : NSFfee) : 0

Use the field order, units and branch conditions described above.

Output field	Meaning	Value type
shortfallMinor	Shortfall minor	number
modeledChosenFeeMinor	Modeled chosen fee minor	number
signedOverdraftMinusNsfFeeMinor	Signed overdraft minus nsf fee minor	number
modeledPaymentHonored	Modeled payment honored	boolean

json

{
  "input": {
    "transactionMinor": 1000,
    "observedAvailableMinor": 500,
    "callerNsfReturnFeeMinor": 100,
    "callerOverdraftFeeMinor": 200,
    "callerWillHonorOverdraft": true
  },
  "output": {
    "shortfallMinor": 500,
    "modeledChosenFeeMinor": 200,
    "signedOverdraftMinusNsfFeeMinor": 100,
    "modeledPaymentHonored": true
  }
}

Limitations and assumptions

The shortfall and fee comparison are separate from the actual authorization decision. Apply the exact scope and assumptions explained above.

All listed fields require explicit values. Unexpected fields, incorrect types, nonfinite numbers and sparse arrays fail validation. Domain-specific bounds, alignments and supported tokens are explained above; extremely large inputs or outputs can also be rejected. Input errors differ from successful false results, empty match lists and unknown-evidence placeholders.

Alternative or Complementary methods

Use Reg E Opt in Overdraft Atm Debit 2010 Rule History for a related task: Overdraft opt-in rules concern specified transaction types and fee conditions.

Use Hold Extension Exception Lookup for a related task: Deposit hold exceptions depend on observed facts and applicable policy.

References

NSF Return vs Overdraft Compare Lookup — tool.io

Similar or alternative tools

Reg E Opt in Overdraft Atm Debit 2010 Rule History
Overdraft opt-in rules concern specified transaction types and fee conditions.
Hold Extension Exception Lookup
Deposit hold exceptions depend on observed facts and applicable policy.