When you do that, you, of course, communicate with the customer, and that's when you will certainly tell him the transfer from savings will be reversed and the fee refunded.
And, don't forget to reduce the auto transfer from savings count by one (or make sure you subtract it when doing your Reg D monitoring on savings account transfers).
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John S. Burnett
BankersOnline.com
Fighting for Compliance since 1976
Bankers' Threads User #8