Most Popular Operations Content
Merchant credit after final credit from card issuer
03/02/2025
We have seen an uptick in merchant credits for disputed transactions, and these credits areduplicated in the cardholder's account, (the bank's final credit and a merchant credit). My question is, are banks able to reverse merchant credits after the final credit has been supplied to the cardholder?
Using a third-party collector for overdrawn account
03/02/2025
My question is related to checking accounts that go into the negative and are facing potential charge off. I am looking to see what the rules and regulations are in regard to sending negative checking accounts (depending on the amount) to a third-party collector. Is this allowed? I cannot find anything anywhere stating that it is allowed.
Smarter ATM and Branch Surveillance
03/02/2025
Cameras are a critical component of ATM and branch security to protect staff, customers, and ATMs.
Operational challenges of multiple check processing systems
03/02/2025
What operational challenges arise from maintaining multiple check processing systems?
Offset rights when cashed check bounces
02/23/2025
Per bank policy, we have always stated that if we cash a check for a customer (it is never deposited into their account) and the check is returned, we cannot offset their account for the returned check. We (the bank) have always thought this was a regulation, but cannot find it anywhere. Is a bank permitted (or not) to debit the customer's account when a cashed item is returned?