---
title: Overdrawn account
slug: ops-and-admin/reports/accounts-and-payments/overdrawn-account
description: The Overdrawn Account Report from COS, details daily account overdrafts, essential customer info, and notifications for partners.
docTags: 
createdAt: 2024-08-12T11:55:11.050Z
---

## Overdrawn account report

The Overdrawn Account Report is an .xlsx file generated daily by the Cross River Operating System (COS) and sent via [SFTP](docId\:vS2CkU9_W5BQQlbjsBq25). It contains a list of the your customer's accounts that are overdrawn.

You can use this report to reconcile between what you requested from the Cross River Operating System (COS) and what COS actually processed.

Only accounts that meet certain criteria appear in this report:

- Only accounts with **Overdraft Funding Enabled** and a configured **Overdraft Funding Account Number **appear
- Overdraft is determined by the configured overdraft funding threshold, and not just by a negative account balance
- No subaccounts appear, only master accounts

## Report in detail

| Column                   | Description                                                                                       |
| ------------------------ | ------------------------------------------------------------------------------------------------- |
| Partner                  | Partner name                                                                                      |
| Master Account Number    | Your customer’s master account number                                                             |
| Account Title            | The name on the account                                                                           |
| Date Account Opened      | The date the account was originally opened in COS                                                 |
| Master Current Balance   | Current balance on the account. This balance is compared against the overdraft funding threshold. |
| Master Available Balance | Available balance on the account                                                                  |
| Date Overdrawn           | Day the account first became overdrawn                                                            |
| Fed Days in Overdraft    | The number of days the account has been overdrawn                                                 |

## Understand current and available balance

The report includes two different balance values for each account. They are slightly different.

### Current balance

The current balance (also called ledger balance) represents the actual settled balance of the account after all posted transactions. This is the authoritative balance that includes all hard posted transactions that have completed the settlement process.

### Available balance

The available balance represents funds that are immediately accessible for transactions. It is calculated as:

Current Balance - Holds - Pending Authorizations +/- Memo Posts

The difference between current balance and available balance represents:

- Funds on hold (reducing available balance)
- Temporary memo post adjustments
- Pending transactions not yet settled

## Sample report

::File{src="https://api.archbee.com/api/presign/4hvUOg5mU1sCngl0n0Has/feGZQlcY-tr2nVUc9lKOc_overdrawn-account-report-yourcompany-yyyy-mm-dd.xlsx" label="Overdrawn Account Report_[YourCompany]_[YYYY-MM-DD].xlsx"}

## Overdraft notice

On the 1st and 7th days of a customer’s account being overdrawn, COS sends the following form notice to the customer in PDF format, with the fields in the letter populated from the Overdrawn Account Report and additional data fields.

![](https://api.archbee.com/api/optimize/511c8QBH-VHiwWnyzIwUb/W41JUwBYvjTsmwwIzjyfi_cos-overdrawn-account-report-and-overdraft-notice-2.png)