How to get charged an NSF fee, when your QB Checking Account HAS A FUNDS!

I understand the importance of knowing why you're charged an NSF fee, hibbles.

You can use QuickBooks (QB) Payroll envelope to save for your payroll runs. All you need to do is move money from your QuickBooks Checking account to the Payroll envelope, and the next time you run payroll, we’ll draw funds from the envelope first. If the envelope doesn’t have enough funds, we’ll draw what funds are there and draw the remainder from your QuickBooks Checking balance.

To find out why you're being charged an NSF fee even though you have funds in your envelope, I suggest reaching out to our Contact Support Team. They have the tools to review your account and identify the root cause of this issue. Here's how:

1. Go to the Help icon.
2. Select Contact Us.
3. Enter your concern, then click Let's talk.
4. Choose a way to connect with us:
   
   

• Start a chat with a support expert.
• Get a callback from the next available expert.

QuickBooks Online Payroll Core - Monday to Friday, 6 AM to 6 PM PT.

QuickBooks Online Payroll Premium, Elite - any time.

Additionally, you can use this reference to find out answers to frequently asked questions about QB Checking: QuickBooks Checking FAQ.

Post a comment below if you have further questions about NSF fees or managing envelopes. I'll always be around to help. 

I feel like you should clarify where the funds are when they are in the envelopes, because everything about the terms would suggest that it is a sub account of my checking, but it is not. If it was, I would have sufficient funds. So what account is it?

Allow me to help, @hibbles.

I understand the importance of knowing what account is currently active or where the funds are in your QuickBooks Online Payroll (QBO)

To start with, it's only possible for our phone support team to verify and determine which account is currently active when transferring funds to the envelope or running your payroll. I suggest contacting our support team to get further assistance. To do so, please follow the steps given by my colleague CamelleT on how to contact them.

You might want to check this article to know more about QuickBooks Checking FAQ.

Let me know if you have other questions about the NSF fees or envelopes. I'll be around to provide further assistance to you.

hmmm...I feel misled...when I purchased the payroll module the setup process asked me to set up an "autopay" envelope, which I did.  "AutoPay" caused me to think the money would automatically move to available funds in checking when payroll ran.  

This is a painful mistake...it would be helpful to have someone call when it happens the first time to explain.

It's not just the $100 NSF fee, it's the hassle of missing an employees pay and straightening things out.

I want to take a moment to consider how crucial timely and correct payroll is for you and your team, @MN0Dale. I would wish for immediate and practical resolutions if I were in your position. Allow me to ensure that this is promptly sorted so you can continue focusing on running your business without disruptions. 

In QuickBooks Online Payroll, an NSF (Non-Sufficient Funds) fee associated with AutoPay occurs when there are insufficient funds in your bank account to cover payroll-related transactions, such as employee payments, tax payments, or payroll fees.

To further investigate this issue, I recommend contacting our QuickBooks Online Payroll live support. They can help you to check the details and explain this matter.

Here's how to connect with them:

1. Click the Help menu.
2. In the pop-up panel, go to the Search tab.
3. Hit the Contact Us button.
4. From the text box, type in your concern.
5. Click Chat with us.

When reaching our support team, please make sure to know the availability hours to make sure your concern will be getting in touch.

Here's the best time to contact:

QuickBooks Online Payroll (Core, Premium, Elite)

• Core - Monday to Friday, 6 AM to 6 PM PT.
• Premium, Elite - any time, any day.

Additionally, you may check out this article for insights on managing Autopay and to view your filing and payments in QuickBooks Online:

• Set up and manage your Auto Payroll.
• View your previously filed tax forms and payments.

Setting up the AutoPay feature in QuickBooks is essential, especially during payroll runs. We understand how important it is for you to have a seamless payroll process. If there's anything else I can do to assist you, please don't hesitate to Reply below. The Community team is committed to supporting you every step of the way.