Overdraft Fee

This Decision Flow calculates the appropriate fee for a bank account based on its subscription status, overdraft history, and overdraft amount, while simultaneously determining if the account holder is a "chronic candidate" (repeat offender).

• A Decision Table named Fee Table assigns a specific fee amount based on the CustomerSegment, the number of Days Over Drafted, and the Amount Over Drafted.

  • Basic Segment: Fees range from 0 to 25, depending on the duration and amount.

  • Gold Segment: Fees range from 0 to 20, with higher thresholds for overdraft amounts (>150) and duration allowed before fees apply.

  • Platinum Segment: Fees range from 0 to 10, offering the most lenient thresholds (>200 amount) and lowest fees.

• A Decision Flow Overdraft Fee orchestrates these rules:
• It calculates the duration: First, it calculates the number of days elapsed since the current overdraftDate and the lastOverdraftDate relative to the current date.
• It identifies Chronic Candidates: It evaluates if both the current overdraft and the last overdraft occurred within the last 90 days. If true, the chronicCandidate output is set to true; otherwise, it is set to false.
• It determines the Fee: It executes the Fee Table mentioned above, mapping the calculated days since the overdraft (odDateCalc) to the table's input for daysOverdrafted.
• It finalizes the transaction: Finally, it calculates the total transferRequired by summing the original totalOverdrafted amount and the calculated feeAmount, and sets a flag overdraftExecuted if the total overdraft amount is greater than 0.

Use this Decision Flow to automate overdraft processing, ensuring consistent fee application based on customer tiers while flagging frequent offenders for review.