> For the complete documentation index, see [llms.txt](https://knowledge-base.zumrails.com/llms.txt). Markdown versions of documentation pages are available by appending `.md` to page URLs; this page is available as [Markdown](https://knowledge-base.zumrails.com/notifications-and-reporting/negative-wallet-overview.md).

# Negative Wallet Overview

>

### What is a negative wallet?

A negative wallet is when your Zūm wallet, which is used to facilitate the transfer of funds, falls below $0. This is similar to a cash advance from Zūm, and the negative balance must be rectified, as money will be unable to be dispatched to end users from the wallet, and penalties can occur.

### What causes the wallet to go negative?

A negative wallet balance is generally caused by EFT failures known as late failures. These are transactions that were originally deemed successful but were later changed to unsuccessful by either the sending or receiving financial institution. More information on late failures can be found[ here](/transactions-and-payment-methods/late-failures.md).

### Understanding the wallet

To better understand your wallet and the transactions, you can view it from your Zūm portal under the **Zūm Wallet** section. Here you can see all transactions, the amount of funds in transit through the wallet, and the total remaining balance. This report can be exported for ease of use.

The transaction **description** details what happened to the transaction. You can use the **transaction link** to see the history of what happened to the funds.

### How do I resolve a negative wallet?

In some instances, funds that ended up reaching their destination were not accounted for or clawed back by the sending financial institution. These funds will either need to be taken back from the receiving user or reclaimed from the sending user and sent to the wallet.

To do this, you will need to create a transaction from the user you wish to recover the funds from either with the portal or using the API. Information on transaction creation for the portal can be found [here.](/notifications-and-reporting/negative-wallet-overview.md)

{% hint style="info" %}
NOTE: If the negative balance in your Zūm wallet isn’t rectified within 24 hours, this may result in penalties on your next monthly bill.
{% endhint %}