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

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 the customer's account history. Check their typical balance, overdraft frequency, and average days to bring account positive. Review any approved overdraft line or protection. Look at relationship depth - do they have other accounts, loans, or deposits with us?

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

Based on account history and bank policy, decide whether to pay the item into overdraft or return it unpaid. Consider: Will the customer cover this quickly? Is there a pattern of abuse? What's the relationship worth? Document your reasoning.

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 returning, process with appropriate return code. For items paid into overdraft, the account will show negative. Send the appropriate notice to the customer - they need to know their account status.

Form fields in this step

Decision Processed *

Customer Notice Sent *