You can use it for six months after an overdraft by the customer meets one of these thresholds.
(1) On six or more banking days within the preceding six months, the account balance is negative, or the account balance would have become negative if checks or other charges to the account had been paid; or
(2) On two or more banking days within the preceding six months, the account balance is negative, or the account balance would have become negative, in the amount of $5,525 or more, if checks or other charges to the account had been paid.
Of course this is a rolling assessment, so if they continue to have overdrafts, you can reassess that six month period.
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