As a small business owner, you have a lot on your plate at all times. You do your best to keep your accounts, finances, and books in order. But sometimes, things just slip your mind.
At some point or another, you might spend more than what you have in your account. When this happens, you have non-sufficient funds. Read on to learn what are non-sufficient funds, what to do if you have them, and how to avoid insufficient funds.
什么是资金不足？
当某人的帐户中没有足够的钱来支付交易或付款时，就会发生不足或不足的资金。在大多数情况下，如果您花费的费用超过帐户中的费用，则将向银行收取NSF费用。NSF费用金额可能会有所不同，具体取决于银行帐户和银行机构中资金不足的金额。
除了支付您自己的银行NSF费用外，收款人还可能欠其银行费用，因为您的资金不足（例如，NSF check).
You might deal with insufficient funds when you use checks, pay with your debit card, or makeACH payments(e。g., direct deposit).
Say you purchase a new computer for $300 but only have $250 in your checking account. Because you are spending $50 more than what is in your account, you have insufficient funds.
NSF的最常见原因是自动提款。许多企业主试图自动化尽可能多的流程，包括付款。设置后，自动提款可能很容易忘记。
As a business owner, you should avoid having non-sufficient funds. Not only are NSF fees costly to your small business, but having low or non-sufficient funds can damage your business’s reputation.
如果您的资金不足该怎么办
If you have non-sufficient funds, don’t panic. Instead, follow the checklist below to ensure you tidy up any NSF issues:
- Contact person affected by NSF
- Pay the outstanding balance
- 支付NSF费用
- Keep receipts
1. Contact person affected by NSF
首先，如果您的资金不足，请确保尽快与受影响的人联系。澄清您知道这些资金，并且您将使事情变得正确。这确保个人不会故意扣留他们的付款。
2.支付未偿余额
Pay the affected individual the amount that you owe them. If they were charged an NSF fee by their bank, make sure you reimburse them for the charge, too.
3. Pay NSF fees
Again, if you have non-sufficient funds, you will likely have to pay a fee to your bank. Check with your bank to see whether you owe any NSF fees. If you do owe the bank fees, be sure to pay them right away to avoid interest charges.
4.保留收据
每当您有不足的资金或付款问题时，请记录您向银行和收款人的付款证明。要求并保留收据作为您的付款记录。
确保将任何NSF收据保留在您的记录中。如果将来有任何争议，请使用收据来证明您解决了NSF问题。
What to do if a customer has non-sufficient funds
Say the shoe is on the other foot and you have a customer with non-sufficient funds. What do you do?
When a customer’s check bounces or their payment doesn’t go through due to NSF, you need to take a few actions. First things first, contact the bank and customer.
As soon as you find out the customer has insufficient funds,contact your bank。解释情况并找出您拥有的选择。
在某些情况下，客户可能拥有不足的资金可能是一种fluke。如果您认为是这种情况，请询问银行是否可以尝试再次存放支票。如果没有足够的资金，请询问银行是否可以进行强制收集（例如，客户存款将提供给您）。
You’ll also want to接触客户directly. In some cases, you might be able to resolve the situation by solely contacting the customer.
当您伸出手时，解释情况提供不同的付款方式（例如，信用卡）。如果您无法通过电话与客户联系，请尝试向他们发送一封信，详细介绍您与他们联系，NSF总计，任何费用和联系信息的原因。
如果您无法通过与银行或客户联系来解决客户的NSF问题，则可能需要从外部来源获得帮助。如果您无法解决客户的NSF并获得报酬，请考虑从当地警察局或地方检察官那里获得帮助。您也可以雇用一家收集机构或去小索赔法院。
Non-sufficient fund fees
Non-sufficient fund fees vary depending on your bank and location. Some states and banks might have higher fees than others.
资金费用不足通常范围$ 27- $ 35。支票或付款不足的接收者也可能必须支付NSF费用在20至40美元之间。在某些情况下，收款人可能必须pay a percentageof the bounced amount or check (e.g., 20%).
Banks typically have options and safeguards in place in case your account balance falls below zero. Many banks offer overdraft protection. That way, if you do have insufficient funds, the transaction will still go through. However, you will still be responsible for paying an overdraft fee.
Overdraft vs. NSF fees
So at this point you’re probably wondering, what’s the difference between overdraft and NSF fees?
Banks charge NSF fees when they return payments, such as checks. Overdraft fees only occur when a bank accepts a payment that overdraws an account.
Basically, if your bank refuses the check or payment, you will likely incur an NSF fee. If the bank accepts the check or pays the seller, your account balance will be negative and you will owe an overdraft fee.
如何避免资金不足
Having non-sufficient funds isn’t a good look for any business owner. But, forgetting or miscalculating account funds can happen to the most seasoned entrepreneur.
幸运的是，您可以采取很多预防措施来避免资金不足。
您可以避免使用NSF和昂贵的资金费用的几种方法：
- Create a budget and stick to it
- 定期监视您的银行帐户（例如，每周）
- Keep a list of automated charges
- Organize your funds
- Track purchases and deposits
- Keep extra cash in your accounts
还考虑设置business cash reserve涵盖意外的资金和费用。这样，您可以拥有一些备用现金，以防您的帐户遭受足够的资金折磨。
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本文已从2015年10月19日的原始出版日期开始更新。
This is not intended as legal advice; for more information, please点击这里。