Overdraft protection accounts
For an overdraft protection account, the system displays the "Payment is past due" message at the top of the Account information section. Additionally, in the Account information section, the system may not display account information in some or all of the fields.
The Account information section displays the following information:
Balance
Principal balance
The total remaining amount that you have left to repay on the loan. This amount excludes the accrued interest and any additional fees. The principal balance may not reflect the current payoff amount.
Interest rate
Annual percentage rate of interest applicable for the loan
Interest
Total amount of interest you have left to pay on the loan
Total amount past due
Total amount (including interest) that you have to pay when you miss the payment date.
Current payment due
The date and amount of the next upcoming payment for the loan. The system displays the current payment due date in the MM/DD/YYYY format.
Total amount currently due
Total amount that you have to pay for the current month. This amount includes any total amount past due. The system displays the total amount currently due in the MM/DD/YYYY format.
Estimated net payoff
The total amount that you have left to repay on the loan, as of the current business day. This amount includes the principal balance with any additional amounts such as interest accrued in the current statement period or applicable fees (if any), and deducts either or both of any escrow balance or insurance refund. The system changes this amount on a daily basis.
Activity
Last payment
The date and amount of the last payment made for the loan. The system displays the last payment date in the DD/MM/YYYY format.
Available credit
Amount that you can withdraw from the loan.
Note:
This option is only available for loans with a draw-down feature.
Maximum credit
Maximum amount that you can withdraw from the loan.
Rate over split
The interest rate that the system applied to the principal amount. If the system uses a split amount, this rate applies to the principal amount that is greater than the split amount.
Rate split
Balance that the loan must reach before the system switches the loan rate from rate-over-split to rate-under-split.
Rate under split
Interest rate that the system applied to the principal that is equal to or less than the split amount.
Original note date
Date on which you originally received the funds from the loan.