Abstract: Techniques and systems are disclosed for calculating daylight negative balance fees charged to a user associated with a plurality of deposit account. The daylight negative balance fees may be customized (or adjusted) to the amount of time the user's aggregate accounts maintained a negative balance. As such, those users that spend more time with a negative balance during a business day may be charged higher fees than other users. Moreover, multiple deposit platforms may provide account data through feeds. As such a user with multiple accounts may be charged according to its aggregate negative balance amount rather than simply on each account individually. Additionally, enhanced reporting and billing features are disclosed.

Abstract: Techniques and systems are disclosed for calculating daylight overdraft fees charged to a user associated with a plurality of deposit account. The daylight overdraft fees may be customized (or adjusted) to the amount of time the user's aggregate accounts remain in overdraft. As such, those users that spend more time in overdraft during a business day may be charged higher fees than other users. Moreover, multiple deposit platforms may provide account data through feeds. As such a user with multiple accounts may be charged according to its aggregate overdraft amount rather than simply on each account individually. Additionally, enhanced reporting and billing features are disclosed.