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Home :: Policies :: Non-Sufficient Funds (NSF) Check

Non-Sufficient Funds (NSF) Check

Responsible Department
Business Office-Bursar
Effective Date
10/01/2015
  1. .

    Purpose

    The purpose of this policy is to clearly state the procedures for NSF Checks.

  2. .

    Definitions

    Please see the University System of Georgia Business Procedures Manual at:  http://www.usg.edu/business_procedures_manual/

  3. .

    Statement

    1. Non-Sufficient Funds

      As items are returned to University of North Georgia for NSF, the check amount is added to the student’s account on BANNER. A fee of $30.00 or 5%, whichever is greater and not to exceed $100.00, is charged to the student’s account. If the bank only processed the check one time, it will be re-deposited a second time. The fee occurs only once and at the first return. If the item is returned a second time, a letter will be sent to the maker of the check, informing them of the returned item along with the fee. The letter requests immediate payment in cash, a cashier’s check or other certified funds, in order to clear the item in 10 days.

    2. Electronic Web Payments

      If a maker can provide written documentation from their bank that funds were available at the time the maker attempted to pay via web check but made an honest mistake with the bank account information, consideration will be given to waiving the NSF fee. For example, if a recent bank merger had taken place and the account code changed by additional digits such as zeroes and the maker left off those additional digits then consideration will be given to waiving the fee. Repeated returned web check payments for a student account will in most cases warrant the fee remaining on the account, and will result in suspension of web check payment privileges.
      If no response is made within 10 days, a second letter is mailed. If still no contact is made, a third letter is sent by certified mail. After the third attempt to collect with no contact, the check will be turned over to management to make a decision as to the next step. If the check holder is not a student, the receivable is established in Peoplesoft and handled as above.

    3. Non-Sufficient Funds greater than $500.00

      Items, of $500.00 or more, for which payment is not received within 10 days after receiving written notice may be presented to the magistrate for the issuance of a criminal warrant or to the district attorney or solicitor-general for criminal prosecution. (Georgia Code 13-6-15, 16-9-20)
  4. .

    Support Info

    1. For any additional clarification, please contact the Business Office.

    2. This document replaces North Georgia College & State University/University of North Georgia Policy and Procedure 712.1 which was in effect from August 1, 2013 through the effective date of this policy.
  5. .

    Procedures

    Any related operating procedures must comply with and reference this policy.

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