Since 2010 all payments to and from the Club occur entirely electronicly (we cannot accept cash payments). These payments are transferred by means of a secure electronic 'Lastschrift' initiated by the Treasurer, which requires that each Club member (or their designated payment sponsor) must have a German bank account. (Non-habitual exceptions are possible. Please email the Treasurer if you simply have no access to a German bank account.)
Similarly, refunds to you are initiated by the Treasurer via an electronic 'Überweisung'. But please keep in mind that refunds (for late cancellations, for not taking the bus, etc.) are generally made after the trip as part of trip reconciliation.
Deductions from your bank account will aways occur AFTER you have been sent an invoice by email (PDF attachment). You should receive this email no later than the Sunday night after the last sign-up night.
After that I generally allow 2 days (i.e. normally a Monday and Tuesday) before submitting the Lastschrift order; these 2 days allow you to review the invoice for errors, or to request delaying the deduction if you currently do not have sufficient funds in your account. (You should of course budget your funds to anticipate this deduction; but, failing that, I prefer that you ask me to wait a bit to avoid the hassle of a Retour and Commerzbank's €8.11 rejection fee to you.) If I don't hear anything from you, I will submit the Lastschrift order in the late evening of the second day (generally a Tuesday).
Note that smaller payments (such as for membership) I may take quicker (1 day after sending the invoice).
Although this timing above means that generally you will only be able to see the deduction in your bank account on (or just after) the Wednesday following the last sign-up night (i.e. one week after the last sign-up night), sufficient funds need to be in the account at least a day beforehand! If not, it will likely come back rejected and I will have to resubmit--along with Commerzbank's €8.11 Retour fee. Therefore, as soon as you receive the invoice, please go online to check your bank account--and email me immediately if you do not have sufficient funds.
If you disagree with the amount in the invoice, please email me and the Trip Captain. (Please do not just tell your bank to reject a deduction that you think was incorrect, as this will incur a €8.11 rejection fee, which benefits no one but Commerzbank.) This is generally not time critical; we can always make corrections and refunds after the trip up until the end of the fiscal year (July 31st).
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