How Does Banner Calculate NSF?

Banner uses formula below to calculate your budget available for spending. If a negative number is calculated, you are in NSF. This means that if there is an error, omission, or misstatement in any of the items included in the formula, you may be in NSF inadvertently. Each part of the formula must generate a correct number for NSF to work correctly.

Total Accumulated Expense Budget
Less: Fiscal YTD Actual
Less: Fiscal YTD Commitments (encumbrances/reservations)
Less: Pending Transactions [This does not include internal PRs] 
Budget Available for Spending