A system, apparatus, and method for managing account data for accounts having a negative balance. The invention embodiment includes a method, process or workflow for processing data for accounts associated with a debit, credit, pre-paid card or other form of financial instrument that have a negative balance. The data processing includes application of issuer criteria or filters to determine if certain of the accounts having a negative balance are not suitable for chargeback processing and instead may be processed in bulk, thereby reducing administrative and data processing overhead. For each account that is potentially eligible for chargeback processing, the invention embodiment accesses the account data and determines if the data supports initiation of a chargeback procedure for one or more transactions described by the account data. If the account contains one or more transactions that are eligible for chargeback processing, then a provisional credit in the amount of the one or more transactions may be applied to the account.