Hi Campbell and Paul, Thank you for sharing the business requirements and the need to allow *force-post* on regular savings accounts in Apache Fineract. I believe this is a valid enhancement and would be a good addition to Fineract. You are welcome to contribute this feature to the upstream project.
One request, however, is to ensure that this capability is *configurable*, so that only authorized or required users can enable and use the force-post functionality. What do you think @Ádám Sághy <[email protected]> @Victor Manuel Romero Rodriguez <[email protected]> ? Before starting development, please create an *enhancement story in Fineract JIRA*, capturing all details, including the use case, configuration requirements, and any access-control considerations. This will help align expectations and facilitate a smoother review and discussion with the community. Regards, Bharath Lead Implementation Analyst | Mifos Initiative PMC Member | Apache Fineract Mobile: +91.7019635592 http://mifos.org <http://facebook.com/mifos> <http://www.twitter.com/mifos> On Sun, Jan 11, 2026 at 5:42 AM Campbell Burgess <[email protected]> wrote: > Paul.... Very well laid out. Thank you. > > Bottom line... negative consumer deposit (savings accounts in Fineract) > routinely go negative, with and without, formal arrangements and with (but > also without) account holder opt-in. > > If what I am now guessing is correct, that Fineract does not readily > support a force-post, what is the best path forward. > > Again, we are happy to do all the lifting and contribute the work product > to the community, of course, expecting independent review and oversight. > > Campbell > > > On 1/10/2026 10:37 AM, Paul wrote: > > *Regulation E (Electronic Fund Transfers):* For one-time debit card and > ATM transactions, banks cannot charge an overdraft fee unless the consumer > has explicitly *opted in*. However, even without an opt-in, a bank is > legally permitted to pay the transaction (creating a negative balance) as > long as it does *not* charge a fee. > > -- > > Herring BANCORP ® > > > *C. Campbell Burgess *President/CEO > Office: (806) 373-3921 | Direct: (806) 242-3704 > > [email protected] > > > *Herring Bancorp* > 2201 Civic Circle, Suite 1000 > Amarillo, TX 79109 > > www.herringbank.com > > CONFIDENTIALITY NOTE: This e-mail is intended only for the use of the > individual or entity to which it is addressed and may contain information > that is privileged, confidential and exempt from disclosure under > applicable law. If the reader of this e-mail message is not the intended > recipient, or the employee or agent responsible for delivery of the message > to the intended recipient, you are hereby notified that any dissemination, > distribution or copying of this communication is prohibited. If you have > received this e-mail in error, please notify us immediately by telephone at > (303) 565-7001 and also indicate the sender's name. Thank you. > > > > > > > >
