Abstract: Systems (and methodologies) that put consumers in control of NSF/OD (Not Sufficient Funds/Overdraft) fee management are provided. In accordance with the innovation, fees are solely dependent on time to cure a negative balance. In aspects, customers are charged a “per day” or “per diem” rate for NSF and/or OD conditions. By charging a per diem rate, customers are incentivized to cure a negative balance as the fee amount increases as time elapses throughout the balance exception cycle. Additionally, customers can be notified of balance exception situations. The notifications can sent based upon policies, preferences, rules or inferences.