Can the chart be signed electronically?

Yes. Electronic signatures are legally valid under the federal ESIGN Act (15 U.S.C. §7001) and UETA where adopted, provided intent, consent, attribution, and record retention requirements are met.

Do consumer-facing fee changes need special notice?

Yes. Consumer-facing electronic records require an ESIGN consumer disclosure and affirmative consent where applicable; follow contract terms and any state-specific notice requirements before implementing changes.

What if a state requires a witness or notary?

If a state statute or the underlying document requires notarization or witness authentication, follow that jurisdiction's rule. Use RON or in-person notarization as permitted by state law when applicable.

How do I fix a published error?

Document the error, approve a corrected chart version with a new effective date, notify affected customers per contractual or statutory requirements, and retain the prior version for audit and dispute resolution.

Are fee waivers permissible?

Yes, waivers are typically allowable if documented and applied consistently. Record waiver rationale, approver, and scope to defend discretionary adjustments during audits.

Which records must be retained for disputes?

Retain the chart version, approval records, customer notices, and signed acknowledgments. Follow federal minima (for example, IRS and HIPAA) and extend retention per state or industry rules.

Electronic Signature
Templates
Finance
Finance Additional Fees Chart

Finance Additional Fees Chart

This template is fully customizable. Edit the text, fill out the fields, and send it for signature. Give it a try!

FINANCE ADDITIONAL FEES CHART

Issuer / Company Information

Company Name Company Address

Contact Name

Phone

Email

Chart Identification & Scope

Effective Date: Chart Reference or Code:

This Additional Fees Chart sets forth fees that may be assessed by the Issuer in connection with accounts, transactions, or services identified below. Applicability is governed by the express account agreement or contract between the Issuer and the affected party; where a conflict exists, the applicable contract controls.

Covered Accounts / Services

Fee Schedule

The table below lists additional fees, the triggering event, calculation method, and any caps or minimums. All amounts are stated in the currency of account unless otherwise indicated.

Fee Code	Fee Description	Trigger / Event	Amount (Fixed)	Amount (%)	Calc. Basis	Min / Max	Taxable

Additional custom fee entries may be attached as supplemental schedules. Unless otherwise stated, fees are assessed per applicable event and are independent of other fees or charges that may be assessed under the account agreement.

Application & Tax Treatment

Fees listed above may be subject to applicable taxes, levies, or governmental assessments. The Issuer will indicate whether each fee is treated as taxable in the Taxable column. Where taxes are applicable, fees will be billed inclusive of such taxes unless otherwise required by law.

Apply Chart to Existing Balances? Yes

Terms, Calculations, and Legal Provisions

1. Calculation Method: Fixed fees are stated as flat amounts. Percentage fees are applied to the stated calculation basis and rounded to two decimal places. Rounding occurs in favor of the Issuer for collection purposes unless prohibited by applicable law.

2. Amendment: The Issuer may amend this Additional Fees Chart in accordance with the notice and amendment provisions of the underlying account agreement. Amendments are effective as of the effective date specified above or as otherwise provided in the notice; continued use of services after notice constitutes acceptance where permitted by law.

3. No Waiver; Cumulative Remedies: The assessment of a fee in any instance does not constitute a waiver of the Issuer’s right to assess the same or other fees in the future. Remedies stated in any agreement are cumulative and in addition to any remedies available at law or equity.

4. Disputes: Disputes regarding the application or amount of fees must be submitted in writing within thirty (30) days of the fee assessment in accordance with the dispute procedures of the account agreement. The Issuer’s records are presumptive as to the assessment and application of fees.

5. Governing Law and Severability: This Chart is governed by the laws of the state of without regard to conflict of law principles. If any provision is found invalid, the remaining provisions remain in full force and effect.

Notes / Additional Terms

Authorization

By signing below, the authorized representative certifies that they are duly authorized to adopt this Additional Fees Chart on behalf of the Issuer, that the information contained herein is true and accurate, and that the Issuer will apply the fees in accordance with this Chart and any controlling account agreements.

Authorized Representative Name Title

Issuer Printed Name:

By:

Date:

What the Finance Additional Fees Chart Is

A Finance Additional Fees Chart is a standardized schedule that lists supplemental charges a financial institution, servicer, or vendor may assess for specific events or services. The chart groups fee types (for example, late payment, returned item, expedited processing, wire transfer, ACH reversal, document retrieval, and notary) and shows triggers, calculation methods, and effective dates. It provides a single reference for billing teams, customer service, and compliance reviewers to ensure consistent assessment, clear disclosures, and an auditable record of fee policy across products and channels.

Why a Clear Fees Chart Matters

A concise Finance Additional Fees Chart reduces disputes, improves transparency for customers, and supports regulatory compliance. It standardizes how fees are calculated and communicated and creates an auditable policy that simplifies reviews and training.

Who Creates and Uses the Chart

Typical users include billing managers, compliance officers, and account services teams who maintain fee schedules and respond to disputes.

Finance and billing teams managing account-level charges and customer communications.
Compliance and legal staff verifying that fee policies meet federal and state requirements.
Customer service representatives explaining charges, documenting disputes, and escalating unresolved items.

Small business operators, lenders, third-party servicers, and customer support teams also rely on the chart to keep pricing consistent across accounts and channels.

Essential Elements of a Professional Chart

A well-structured Finance Additional Fees Chart is concise, consistent, and machine-readable where possible; it organizes fees by category, trigger, calculation method, amount, effective date, and exceptions so operational and compliance reviewers can act quickly.

Fee Category

Group fees into clear categories such as administrative, operational, transaction, and regulatory charges so reviewers can find related items quickly and apply uniform treatment across products.

Trigger Conditions

Describe the specific event or condition that causes the fee (for example, payment posterior to due date, returned ACH, wire initiated) and any thresholds or grace periods that apply.

Calculation Method

State whether the fee is a flat amount, percentage, tiered schedule, or capped formula and include the calculation example to avoid ambiguity in application.

Amount or Range

Provide the exact dollar amount or a clearly defined range and note whether amounts vary by product, state, or account tier to avoid inconsistent billing.

Effective Date

Record the date the fee becomes effective and the notice method used for customers so teams can confirm whether a charge was permitted at the time of assessment.

Exceptions & Waivers

List discretionary waivers, statutory exceptions, and eligibility requirements for fee relief to ensure consistent approval and documentation of exceptions.

Security and Compliance Data to Record

Encryption: TLS 1.2/1.3 in transit; AES-256 at rest

Audit Trail: Timestamped action log and IP address

Regulatory Certifications: SOC 2 Type II; ISO 27001

HIPAA Support: BAA required for PHI workflows

eSignature Law: ESIGN and UETA compliance

Accessibility: WCAG 2.0 Level AA

Key Risks From an Incorrect Chart

Consumer Complaints: Increased disputes and chargebacks

Regulatory Fines: Potential enforcement actions and penalties

Tax Reporting Errors: Incorrect reporting or withholding

Chargeback Losses: Direct financial exposure from reversals

Contract Disputes: Breach claims over undisclosed fees

Reputation Damage: Loss of trust with customers

Common Preparation Mistakes to Avoid

Vague trigger language that leaves staff unsure when to apply a fee and increases dispute volume.
Inconsistent calculation formulas across products that produce different customer outcomes for the same event.
Missing effective dates or retroactive updates without required consumer notices, which can violate disclosure rules.
Failure to document state-specific exceptions or statutory caps that change allowable fee amounts.

Step-by-Step: Create or Update the Finance Additional Fees Chart

Follow these steps to build and maintain a compliant, auditable Finance Additional Fees Chart that operations, customer service, and compliance can use consistently.

01

Identify Fees: List every supplemental charge by product and channel.
02

Define Triggers: Document exact events and thresholds that cause fees.
03

Specify Calculations: Record formulas, caps, and rounding rules clearly.
04

Publish & Review: Publish revisions with effective dates and schedule periodic reviews.

Where to File and Send the Chart

The chart should be distributed to internal systems and relevant external parties using defined channels so updates propagate to billing, disclosure, and customer-facing views.

Internal Systems: Upload to billing, CRM, and policy repositories for automated application.
Regulatory Filings: Provide required schedules to regulators or examiners upon request.
Customer Notices: Include applicable fees in consumer disclosures and account statements.
Archive: Store prior versions for auditability and dispute resolution.

How to Configure the Chart for Online Use

Configure fields and workflows so the chart can be updated, validated, and published with consistent permissions and audit logging.

Field	Configuration
Template File	Use a canonical spreadsheet or structured database source for export.
Conditional Fields	Enable product-specific visibility using conditional logic.
Reviewer Role	Assign legal and compliance approvers before publishing changes.
Audit Settings	Turn on change history, timestamps, and user attribution.

Technical and Integration Considerations

Choose platforms that accept standard document formats, integrate with billing and CRM systems, and preserve an auditable signing record.

Document Formats: PDF, DOCX, and structured exports supported.
Integrations: Connectors for Salesforce, NetSuite, Google Workspace.
Signing Options: Supports email link, SMS OTP, and API-based invites.

Timelines and Notice Expectations

Set review and notice timelines so fee changes comply with disclosure requirements and operational lead times.

Annual Review:

Review and reconcile the chart at least once per year to reflect price changes and regulatory updates.

Effective Date Notice:

Provide customer notice consistent with contract terms and ESIGN consumer-disclosure obligations under 15 U.S.C. §7001(c).

Interim Updates:

Implement interim changes only after approvals and document the reason and approver.

Urgent Changes:

For statutory or emergency fee changes, track regulatory authority and expedite publication.

Record Retention:

Keep prior versions and notice records to support audit and dispute handling.

eSignature Pricing and Capability Comparison for Fee Charts

Comparison of representative vendor pricing and key capabilities relevant to eSigning and publishing a Finance Additional Fees Chart. signNow is listed first per platform comparison conventions.

	signNow	DocuSign	Adobe Sign	PandaDoc	HelloSign
Starting Price	$8/user/mo	$15/user/mo	$14/user/mo	$19/user/mo	$15/user/mo
Free Trial	7-day free trial	Varies by plan	Varies by plan	Varies by plan	Varies by plan
Bulk Send	Yes	Yes	Yes	Yes	No
Audit Trail	Yes	Yes	Yes	Yes	Yes
HIPAA Compliant	Yes	Yes	Yes	No	No

FAQs and Troubleshooting for the Finance Additional Fees Chart

Answers to common questions about creating, executing, and maintaining a Finance Additional Fees Chart to reduce errors, ensure enforceability, and meet disclosure obligations.

Need help? Contact support

Can the chart be signed electronically?
Yes. Electronic signatures are legally valid under the federal ESIGN Act (15 U.S.C. §7001) and UETA where adopted, provided intent, consent, attribution, and record retention requirements are met.
Do consumer-facing fee changes need special notice?
Yes. Consumer-facing electronic records require an ESIGN consumer disclosure and affirmative consent where applicable; follow contract terms and any state-specific notice requirements before implementing changes.
What if a state requires a witness or notary?
If a state statute or the underlying document requires notarization or witness authentication, follow that jurisdiction's rule. Use RON or in-person notarization as permitted by state law when applicable.
How do I fix a published error?
Document the error, approve a corrected chart version with a new effective date, notify affected customers per contractual or statutory requirements, and retain the prior version for audit and dispute resolution.
Are fee waivers permissible?
Yes, waivers are typically allowable if documented and applied consistently. Record waiver rationale, approver, and scope to defend discretionary adjustments during audits.
Which records must be retained for disputes?
Retain the chart version, approval records, customer notices, and signed acknowledgments. Follow federal minima (for example, IRS and HIPAA) and extend retention per state or industry rules.

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