Returned items occur when a contributor has insufficient funds in their account, when a contributor closes or changes their account, stops a payment, or dies.
The PAR system runs on two different programs: one to debit contributors’ accounts, one to credit the congregations. Even if a payment is not taken from a specific contributors account, the congregation is still credited with the amount. We do not learn from the bank until afterwards that this discrepancy has occurred.
In this case, the PAR Unit informs the congregational contact of the returned item. The contact person will have time before the next PAR deductions to investigate the problem.
The Unit marks the contributor as “NSF” for the following month (appearing under “NSF Cheques Returned (last month)” on the statement). This means that the Unit will deduct the amount previously credited to the congregation. If desired or applicable, the contributor can then make the monthly donation directly to the congregation.
We also mark the contributor as “OFF,” meaning we do not try to deduct from the contributors account unless otherwise notified by the contact person. The contributor appears under the category “Removed Members (Awaiting Instruction)” on the statement. Members who appear here are not debited nor included in the total of contributor’s charged the service fee.