Adam:
Let me answer for Hitesh.
There are essentially 3 use cases here in the United States whereby a
customer savings account would go into overdraft.
1. The customer has received a prior approved overdraft limit. (I think
this is the current supported use case)
2. The institution *_has discretion_* to decline, but makes the
decision to pay.
1. Examples: Paying a check (or any) item manually presented, but
not wanting to extend "formal" OD protection
3. The institution *_does not have discretion_* to decline
1. Examples:
1. A deposit returned unpaid (for any reason)
2. A network card transaction (where the bank previously
authorized, guaranteed, the transaction)
3. Mistakes
In our particular use case, we have a number of ZBAs (Zero Balance
Accounts) that have external funding accounts attached.
Transactions are presented on those accounts primarily from our own
merchant terminals, but also from card networks like Mastercard, VISA
and other debit networks.
Using services like Plaid, we are making a simultaneous deposit to the
account at the moment we approve the external transaction.
We also make simultaneous deposits using services like Mastercard Send
(similar to Venmo).
External funding accounts typically have anywhere from .10% to .50%
failure rate, for a myriad of reasons.
That means that we have to force post that declined/returned/failed
transaction back to the account (just like we have done in banking for
100 years).
(Of course, we then have other risk measures to recover the funds and
return the account to at least -0-)
Hitesh tells me that the "force-post" function is not presently available.
If this feature is valuable to the community, we are happy to contribute
it to the community.
(we are really happy to contribute everything we do to the community...
this would help us learn how to do that).
Campbell
On 1/7/2026 11:50 AM, Ádám Sághy wrote:
Hi Hitesh,
Can you elaborate on why should we support negative balance without overdraft
facility?
In my understanding negative balance of the savings account in fact means it
goes into overdraft (if enabled) and rejected otherwise.
Am I missing something here?
Regards,
Adam
Sent from my iPhone
On 7 Jan 2026, at 18:19, hitesh prajapati<[email protected]>
wrote:
Hi All,
Apache fineract doesn't allow withdrawal when account balance is 0 because of
insufficient funds by design. And we can have the savings account to have a
negative balance by enabling an overdraft facility for that savings product and
savings account.
We have a use case where we want to post withdrawal transactions to the savings
account when the balance is zero and allow negative balance to the savings
account without enabling overdraft facility for that account.
Can we have global configuration in fineract that will allow the savings
account with negative balance and by default we can have it OFF and when we
make it ON, we should allow the savings account balance to go negative without
enabling overdraft to it.
Please advise, does this make sense to add this feature in finreact community
version
Thanks,
Hitesh
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