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Why is my total balance negative?

Why is my total balance negative?

Found customers aren’t able to overdraft their Found accounts, but there are a few ways that accounts can become negative.

Updated Transactions

It’s possible that an authorized purchase amount was later adjusted by the merchant and the updated amount exceeded your total account balance. This occurs most often where the initial charge didn’t account for tips or incidentals—like at restaurants, rental car agencies, or hotels.

Unreturned ACH Transfers

If you attempt to make an ACH transfer out of your Found account that exceeds your total balance, you'll see a negative balance unless you transfer funds into your Primary pocket to make up for the difference. Otherwise, that ACH transfer will be canceled at the end of the day.

What if only my Primary pocket balance is negative?

It’s ok for a pocket to have a negative balance, as long as your total Found balance is positive. For more information on how your Primary pocket can become negative, see this article.

Keep in mind that your account is at risk of closure if your overall account balance remains negative. To ensure that your account remains open, be sure to add funds to restore your balance as quickly as possible.

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*Found is a financial technology company, not a bank. Banking services are provided by Piermont Bank, Member FDIC. The funds in your account are FDIC-insured up to $250,000 per depositor for each account ownership category.

The Found Mastercard Business debit card is issued by Piermont Bank pursuant to a license from Mastercard Inc.

The information on this website is not intended to provide, and should not be relied on, for tax advice.

**Direct deposit funds may be available for use for up to two days before the scheduled payment date. Early availability is not guaranteed.

Found partners with various providers to enable you to compare offers from participating institutions, such as lending, filing service, and insurance providers. Found is not a lender, a filing service, nor an insurance provider.