Banking operations workflow for Tallyfy

Make NSF decisions that balance risk and relationships

Overdraft decisions require quick judgment calls that weigh customer history against bank policy. This workflow guides staff through account review, pay or return decisions, and customer notification so decisions are consistent and documented.

3 steps

4 fields

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Banking Finance

Run this workflow in Tallyfy

Import this template into Tallyfy and assign to head tellers or operations staff with customer name, account number, and item amount captured at kickoff

Configure form fields to capture account age, NSF history, overdraft protection status, decision reasoning, and fee applied

Process each NSF item through Tallyfy with 1-2 hour deadlines to ensure timely decisions and proper customer notification

Import this template into Tallyfy

Process steps

Review account history and status

1 hours from previous step

task

Pull up the customer's account history before you do anything else. You'll want to check their typical balance, how often they've gone into overdraft, and how many days it usually takes them to bring the account back positive. Also look at whether they've got an approved overdraft line or protection in place. Don't forget to review relationship depth - do they have other accounts, loans, or deposits with you? That context matters for the decision ahead.

Form fields in this step

Account Age *

NSF History (Last 12 Months) *

Has Overdraft Protection *

Make pay/return decision

1 hours from previous step

task

Using what you've found in the account history and your bank's policy, decide whether to pay the item into overdraft or return it unpaid. Ask yourself: will this customer cover it quickly? Is there a pattern you're seeing? What's this relationship worth to the bank? Make sure you document your reasoning clearly - if there's ever a compliance review or customer dispute, you'll want a solid record of how you made the call.

Form fields in this step

Decision *

Reason *

Fee Applied *

Process decision and notify customer

2 hours from previous step

task

Enter the decision in the system. If you're returning the item, process it with the right return code - getting this wrong can create compliance issues, so double-check. If you paid it into overdraft, the account will show a negative balance. Either way, send the appropriate notice to the customer so they know where their account stands. Timely notification isn't just good service, it's a regulatory requirement.

Form fields in this step

Decision Processed *

Customer Notice Sent *