Here are just a few ideas:
- Configure an NSF fee to be per item or per day. Most CUs have not approached the per day concept, but it is available to prevent multiple fees from posting to members when multiple items are NSF on the same day. (Find this in Tool #558 NSF/OD Transfer Configuration.)
- Configure your ANR fee not to be assessed within $x of the member's available balance. (Find this in Tool #558 NSF/OD Transfer Configuration.)
- Configure a maximum ANR fee per day (daily caps). (Find this in Tool #558 NSF/OD Transfer Configuration.)
- Configure both your NSF fee and your ANR fee to be unique by checking product. For example, if you had a checking product designed for the credit-challenged population, you may wish to reduce the fees assessed to these members for NSF and ANR/Courtesy Pay events. (Find this in Tool #558 NSF/OD Transfer Configuration.)
- Assign a negative balance (ANR) limit in a tiered fashion based on your credit union's Tiered Services program. For example, a Platinum member with a 90-day average balance of $x would be assigned a negative balance limit of $z. (Find this in Tool #777 Savings/Checking Products Configuration, via the ANR Scoring button.)
- You can require that a member have at least $x in ACH deposits over the last y days to activate, deactivate, or reactivate a negative balance limit. (Find this in Tool #777 Savings/Checking Products Configuration, via the ANR Scoring button.)
Also check out the recipe in the Kitchen for other enhancements in the works for our ANR toolkit.