Returned Payment / NSF Notice Letter

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NOTICE OF RETURNED PAYMENT

[Your Business Name]
[Address]
[City, State, ZIP]
[Phone] | [Email]
[Date]

[Customer Name]
[Address]

Re: Returned Payment — Invoice #[Invoice Number] — Immediate Action Required

Dear [Customer Name],

We are writing to notify you that your recent payment has been returned unpaid by your bank.

RETURNED PAYMENT DETAILS
─────────────────────────────────────
Payment type:              ☐ Check #[Number]  ☐ ACH / Bank Transfer
Payment date:              [Date]
Amount returned:           $[Amount]
Return reason:             ☐ Insufficient Funds  ☐ Account Closed  ☐ Payment Stopped  ☐ Other: _______
Return date:               [Date]

REVISED AMOUNT NOW DUE
─────────────────────────────────────
Returned payment amount:      $[Amount]
Returned payment bank fee:    $[Our Bank's Fee]
Returned payment charge*:     $[Your Returned Payment Fee, if any]
                              ──────────
TOTAL NOW DUE:                $[Total]

*Per our payment terms, a $[Amount] returned payment fee applies to all returned checks and ACH transactions.

REQUIRED ACTION
─────────────────────────────────────
Payment of $[Total] must be received by [Deadline — 5-7 business days].

Due to the returned payment, we can only accept payment by:
  ☐ Cashier's check or money order
  ☐ Wire transfer
  ☐ Credit/debit card

We are unable to accept personal checks or ACH payments on this account until the balance is paid in full.

Failure to remit payment by [Deadline] may result in the referral of this account to our collections process and/or legal action. In many states, issuing a check with insufficient funds may carry additional legal consequences.

To resolve this immediately, contact us at [Phone] or [Email].

Sincerely,
[Your Name]
[Business Name]

This template is general-purpose educational content, not legal advice. State law varies and attorney review is recommended before use. Syntharra is not your attorney.

A returned payment is a warning sign — and an urgent one. Syntharra's AI follow-up creates the immediacy that payment notices alone often cannot.

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