Option 1:

1. Setup an item number for overdraft check

2. Setup an item number for bank charge

3. Invoice the customer for the amount of the overdraft

4. In your bank account, make a manual withdrawal amount to the account that received the overdraft

   1. This will probably be your actual bank account, not the Cash on Hand where the first receipt went into

5. When the customer pays for the overdraft, apply it to the invoice

Option 2:

1. Void the original payment receipt

2. Transfer funds from the actual bank to the Cash on Hand bank to clear the balance

3. Create an invoice, item or manual, to the customer for bank overdraft fee

4. Enter a payment on account when the customer pays for the original invoice and the invoice for the fee