Overdraft Fee Sequence Cap Lookup

Replay caller already classified fee-eligible overdraft events in ledger order under explicit daily fee-count cap; eligibility/opt-in, NSF distinction and legal fee permission remain external.

Description

Daily fee caps apply to already classified eligible overdraft events in chronological order.

Daily fee caps apply to already classified eligible overdraft events in chronological order. Ineligible events do not consume a fee slot.^[1]

The returned values include Applied event fees minor, Total observed fees minor, Capped eligible event indices. The How section below explains the calculation, input rules and interpretation.

When to use Overdraft Fee Sequence Cap Lookup

Use Overdraft Fee Sequence Cap Lookup when you need to evaluate the supplied records under the calculation and evidence rules below. No opt-in, NSF classification, event eligibility or legal fee permission is supplied.

Prepare observed financial records and verified caller terms. Use one currency for integer minor-unit money and preserve leading zeros in identifier text. One basis point is 0.01 percentage points. Resolve dates, local clocks, counting rules and evidence flags as specified.

How to use Overdraft Fee Sequence Cap Lookup and understand its results

Prepare observed financial records and verified caller terms. Use one currency for integer minor-unit money and preserve leading zeros in identifier text. One basis point is 0.01 percentage points. Resolve dates, local clocks, counting rules and evidence flags as specified.
Enter observedEventDayIndices, callerFeeEligibleFlags, callerFeePerEventMinor, callerDailyFeeCountCap using the field table and calculation rules, then run the tool.
Read appliedEventFeesMinor, totalObservedFeesMinor, cappedEligibleEventIndices. The explanation below defines the units, signs, ordering and any flags or placeholder values.
If the tool reports an input issue, correct the values and run it again. Apply the stated assumptions when interpreting a successfully returned result.

Input field	Meaning	Value type; see rules below	Requirement
observedEventDayIndices	Observed event day indices	list of number	Required
callerFeeEligibleFlags	Caller fee eligible flags	list of number	Required
callerFeePerEventMinor	Caller fee per event minor	number	Required
callerDailyFeeCountCap	Caller daily fee count cap	number	Required

Enter aligned nonempty nonnegative safe-integer nondecreasing day indexes and binary eligibility flags, nonnegative safe-integer fee and integer daily count cap 0–1000. Track charged counts separately per day. Return event fees, safe-integer total and zero-based capped eligible indexes.

fee_i=eligible and chargedCount(day)<cap?feePerEvent:0

Units, indexing, boundary conditions and exceptional cases are defined in the calculation rules above.

Output field	Meaning	Value type
appliedEventFeesMinor	Applied event fees minor	list of number
totalObservedFeesMinor	Total observed fees minor	number
cappedEligibleEventIndices	Capped eligible event indices	list of number

json

{
  "input": {
    "observedEventDayIndices": [
      0,
      0,
      0,
      1
    ],
    "callerFeeEligibleFlags": [
      1,
      1,
      1,
      1
    ],
    "callerFeePerEventMinor": 10,
    "callerDailyFeeCountCap": 2
  },
  "output": {
    "appliedEventFeesMinor": [
      10,
      10,
      0,
      10
    ],
    "totalObservedFeesMinor": 30,
    "cappedEligibleEventIndices": [
      2
    ]
  }
}

Limitations and assumptions

No opt-in, NSF classification, event eligibility or legal fee permission is supplied.

Numeric inputs, where present, must be finite. Follow the calculation-specific rules for overflow, underflow and exceptional cases. Numeric lists are limited to 10,000 entries; string lists to 128 strings of at most 128 characters each. The rules above may impose smaller limits. Missing required fields, extra fields, wrong value types and violations of the calculation rules are input errors.

Alternative or Complementary methods

Use Minimum Balance Waiver Checker: A balance waiver can use the cycle minimum or mean, plus an independent alternative condition. Negative closing balances remain part of the evidence. For a complementary task, use Statement Cycle Grace Days Lookup: A statement grace window combines elapsed calendar days with separate qualification evidence. Its end date is included in the declared window.

References

Overdraft Fee Sequence Cap Lookup — tool.io

Similar or alternative tools

Minimum Balance Waiver Checker
A balance waiver can use the cycle minimum or mean, plus an independent alternative condition. Negative closing balances remain part of the evidence.
Statement Cycle Grace Days Lookup
A statement grace window combines elapsed calendar days with separate qualification evidence. Its end date is included in the declared window.