In some locales, taxpayers can define a "maximum withdrawal amount" to limit the amount of money that is automatically debited from their bank account. For example, a low-income taxpayer may want to prevent direct debits of more than $50 from being applied to their checking account.
You define a taxpayer's maximum withdrawal amount when you setup their automatic payment information on Account - Auto Pay.
The following points describe how the system implements maximum withdrawal limits:
When a bill is completed for a taxpayer who pays automatically the system calls the automatic payment creation algorithm that's plugged in on the Installation Record. The base-package auto pay creation algorithm checks if the amount of the automatic payment exceeds the taxpayer's maximum withdrawal amount. If so, the auto pay creation algorithm calls the automatic payment over limit algorithm that's plugged in on the account's account type. Algorithms of this type have the ability to reduce the amount of the auto pay or to prevent the auto pay from being created. Refer to APOL-RA for an example plug-in.
When a user manually creates an automatic payment (by adding a tender with a tender type that indicates that it is for automatic payment purposes), the system issues a warning message when the tender amount exceeds the account's maximum withdrawal amount.
Pay plans. Please note that automatic payments that are created as a result of pay plans are not subject to maximum withdrawal limits. This is because both of these options required taxpayer approval and therefore the taxpayer should be able to plan accordingly. Refer to How And When Are Automatic Payments Created for more information.
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