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Unavailable funds fee
Unavailable funds fee is a penalty fee applied by a bank on a transaction account when a transaction is posted to an account that has ''negative available balance'' even though it has a ''positive physical balance''. The fee is distinct from a non-sufficient funds fee as there is a positive physical balance but some or all the funds are on hold meaning that the balance is not yet available.
Bank fees such as the unavailable funds fee are contentious and have been the subject of some debate. Consumer advocacy groups have criticised them as opaque and unfair and that they particularly penalise the poor and fees do not reflect the banks costs. The banks argue that its penalty not a transaction fee. These fees have become a major source of income for banks replacing the traditional account and transaction fees which in many countries have disappeared.〔(【引用サイトリンク】title=How the poor subsidise the rich )〕
==Overview==
The "unavailable funds" fee, not to be confused with the "non-sufficient funds" (NSF), "overdraft", "exceed hold" or "overlimit" fees, is a fee that results from a transaction that posts to a negative available balance and a positive physical balance, as applied to a Demand Deposit Account; usually a checking account. The fee is typically applied at the end of the business day, as most banks process transactions at the end of each business day.
An account has two distinct balances a posted balance or physical balance and an account balance. The difference is comes from transactions that have been applied to the account but have holds against them. To understand how an "unavailable funds fee" comes about it is important to understand the difference between the two types of balances.
抄文引用元・出典: フリー百科事典『 ウィキペディア（Wikipedia）』
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