The High Performance Workbench (the Workbench) provides a disciplined NSF automation process through use of a tiered "matrix" for pay/return decisions.
The NSF processing functionality has three primary objectives. The first objective is to automate as much of the daily pay/return process as is practical. The second objective is to pay as many NSF items as possible consistent with the Bank’s targeted collection ratio. The third objective is to allow management to set their own pay/return rules based on factors such as: (1) the amount of the overdraft, (2) how long the account has been open, (3) the trend of deposits previously made, and (4) the recent average balances they have been keeping.
These objectives operate in line with the FDICís goal of preventing those who cannot afford overdraft fees from being encouraged to overdraft by limiting available overdraft coverage to individuals whose deposit and balance average history would suggest should not have credit extended.