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Unfortunately, since we may incur fees for decline payments, Elephant charges a $25.00 Insufficient Funds Fee (NSF Fee) whenever an automatic payment attempt is declined. A $10.00 late fee may also be charged if payment is not received by the close of business the day after your due date. What if I know that I will not have enough money in my account? Customers may contact Elephant at 1-877-21-TRUNK and request that their payment not be attempted. However, to cover bank costs, Elephant may charge certain administrative fees, including: To make sure that every request can be entered correctly into our billing system, we ask that customers call in at least 3 days before their due date.
Once your due date has passed, you will receive a notice in the mail explaining the full past-due balance, and will need to call payment into our office or mail in a check to keep your policy active. If I make partial payments before my due date, will I be charged multiple installment fees? No, installment fees are charged on a per installment basis. So, if you have ten (10) installments to pay over the course of your twelve (12) month policy, you will be assessed ten (10) installment fees. The actual amount of the fee will vary based upon your pay plan. Installment fees are applied on a monthly basis, either when your account is billed, or when you make your monthly payment. What is an "NSF" Fee? When could it be applied to my account? A NSF Fee is an "Insufficient Funds" Fee. This fee is only applied if the payment method you have on file is declined by your bank or credit card company for insufficient funds.
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