Navy Cash Standard Operating Procedures - Financial Management ...

Working Draftfrom the ship. Suspending an account prevents online ATM withdrawals and online PIN-basedand signature-based purchases ashore. The cardholder can still use the value on the chip topurchase things on the ship. The cardholder can still use the card for signature-based purchasesashore, even when the Navy Cash account balance is negative, at merchants who processtransactions in an offline mode.g. For Cardholders with Negative Navy Cash Account Balances(1) Navy Cash Card Limits. Reducing the maximum amount that can be transferredfrom a bank or credit union account ashore and/or reducing the maximum amount that can beloaded on the chip are options available to discipline a cardholder who continues to haveproblems with negative account balances (see Appendix L, Guidelines for Negative AccountBalances). Any updates to these card limits are effective immediately on board the ship and willregulate any subsequent funds transfer requests the cardholder attempts at the K80 CashlessATM. To change card limits, enter a new limit in the “Chip Load Limit” block and/or “DDAAccount to Navy Cash Transfer Amount”. For cardholders, the maximum chip load limit is$1,000, and the maximum DDA account to Navy Cash transfer amount is $400 per day. Formerchants, the maximum chip load limit is $9,999.99, and the maximum DDA account to NavyCash transfer amount is $5,000 per day.(2) Blocking Access to Bank and Credit Union Accounts Ashore. Blocking NavyCash access is an option available to discipline a cardholder who continues to have problemswith negative account balance. Any updates to block Navy Cash access are effectiveimmediately on board the ship and will regulate any subsequent funds transfer requests thecardholder attempts at the K80 Cashless ATM. To block account access, click on the “BlockAccount Request” button.(3) Guidelines for Negative Account Balances. Appendix L providesrecommendations for taking action in the case of a cardholder whose Navy Cash account balanceis negative. These guidelines are based on the number of times a cardholder’s account has gonenegative and are listed in order of severity, from least severe to most severe. These guidelines areoffered as suggestions only; the actual action taken is at the discretion of the cardholder’s chainof command.(4) Unblocking Access to Bank and Credit Union Accounts Ashore. Once acardholder’s negative account balance has been cleared, click on the “Unblock Account” button.(a) ACH Decline Count. The ACH decline count is used to prevent cardholdersfrom abusing the system and would not normally be reset. Navy Cash has established returnedtransaction thresholds. Every time a cardholder posts an NSF transaction to the Navy Cashsystem, a “counter” records the event. When a cardholder reaches a limit of three NSFs, theability to access his or her DDA account from the Navy Cash system is permanently blocked.(b) Once Navy Cash access is permanently blocked, the only way it can berestored is by authorized Disbursing Officer or Disbursing Clerk action, either by unblockingaccess through the Navy Cash application or the Navy Cash Center web site or by sending arequest to the Customer Service Center (CSC).(c) The following summarizes ACH decline counts. For a more completedescription of “ACH Allowed” and “ACH Decline Count” flags and codes, see paragraph 8.8.2,Blocking and Unblocking Access to Home Accounts.NC SOP Ver 1.12 Chpt 8 Disbursing.doc 8-60 16-Aug-07