What is the maximum fee Moes Southwest Grill will charge for insufficient funds?

According to the 2025 Moe's Southwest Grill Franchise Disclosure Document, if a franchisee's account has insufficient funds to cover a draft, Moe's Southwest Grill will charge a fee. This fee will not exceed 110% of Moe's Southwest Grill's or its affiliates' actual costs and expenses related to the incident. This includes any bank return fees or other charges incurred by Moe's Southwest Grill.

For a prospective franchisee, this means that if a payment to Moe's Southwest Grill is returned due to insufficient funds, they will be responsible for covering not only the original payment but also a fee to compensate Moe's Southwest Grill for the costs incurred as a result of the failed payment. The fee is capped at 110% of the actual costs and expenses.

It is important for franchisees to maintain sufficient funds in their accounts to avoid these fees. Additionally, franchisees in Minnesota may be subject to a different insufficient funds fee, as the Minnesota Department of Commerce requires Moe's Southwest Grill to disclose that the highest such fee permitted under Minnesota Statute 604.113 is currently $30. This means that for Minnesota franchisees, the insufficient funds fee may be capped at $30, regardless of Moe's Southwest Grill's actual costs and expenses.