Avoiding Non-Sufficient Funds (NSF) & Payroll Delays

Why This Matters

When you submit payroll through Aaniie Payroll, the payroll funds are automatically debited from your business bank account on the next business day.

It is your responsibility to ensure sufficient funds are available before submitting payroll.

If there are not enough funds in your account, it can delay employee pay and impact your ability to process future payrolls.

Before You Submit Payroll

✔ Verify your business bank account has enough available funds to cover:

• Employee wages
• Payroll taxes
• Any additional payroll-related deductions or reimbursements

Do not submit payroll unless the required funds are available in your account.

What Happens if There Are Non-Sufficient Funds (NSF)?

Step 1: Initial Debit Attempt

The payroll amount is debited from your bank account on the next business day after payroll is submitted.

If there are insufficient funds:

• The debit will fail.
• Your scheduled payroll pay date will be delayed.

Step 2: Second Debit Attempt

A second attempt will be made to collect the payroll funds from your bank account.

If the second attempt is successful:

• Payroll processing can continue.
• Your employees will receive payment once processing resumes.

Step 3: If the Second Attempt Also Fails

If the second debit attempt is unsuccessful:

Your payroll account will be placed into Restricted Status.

During Restricted Status:

• You will not be able to submit additional payrolls.
• Payroll processing will remain unavailable until the outstanding funds have been successfully collected.
• Any future payroll schedules may also be impacted until the account is brought back into good standing.

Best Practice for New Agencies

If you're a new agency or have limited cash flow, we strongly recommend creating a payroll schedule that provides at least one full week between the end of your pay period and your payroll submission date.

This allows time to:

• Receive payments from clients, Medicaid, VA, or other payers.
• Ensure payroll funds are available before payroll is processed.
• Reduce the risk of delayed employee payments.

Tips to Prevent NSF Issues

• Review your bank balance before every payroll submission.
• Account for any pending withdrawals or automatic payments.
• Maintain a cash reserve when possible for payroll obligations.
• Consider scheduling payroll after expected client or payer deposits have cleared your account.

Need Assistance?

If your payroll is delayed due to insufficient funds or you have questions about your payroll status, please contact the Aaniie Support Team.

Email: support@aaniie.com

We're here to help you get your payroll back on track as quickly as possible.