If I did not have the money in my cb account for them to deduct, would they try to debit my bank account?
clickbank always keeps a portion of every check for chargebacks and refunds. They then release it later if no refunds were given.
Clickbank has an allowance, i.e it holds about 5-10% of your paycheck, which they release after 8 weeks. They hold the 5-10% so that your account won't go into a negative balance. Even if your account goes into negative balance, I doubt they charge you for it.
How would they do that? I assume they are sending you checks since you clearly aren't making enough for direct deposit...
I just got a refund on a product right after they mailed the check and they put it in my account as negative balance. I now owe them a little but they will just take it out of my next check, that's all. Mike
Nobody gets checks instead of direct deposit because of the amount they're earning, DLM. If you're qualified to receive a check, you're qualified to receive a direct deposit (subject to having received three checks first within a certain period, and living in a country where they offer direct deposits, and so on) - the amount of money isn't relevant to this. You can set your own payment threshold at anything from $10 up. The answer to the original question is "no". There are no circumstances under which Clickbank will take money back from your bank account because of refunds. They'll hold 10% (initially) unpaid as a "cushion" anyway, but if you have refunds that come to more than that, they'll assume the risk and just deduct it from your future payments (if any).
I've had this happen on a few accounts that got up to -$8,000+ in total. Yep, 8grand in the hole, owed to clickbank. They didn't seek legal action but you better believe I did my best to make that back asap and then close those accounts. Otherwise those accounts have a 50% allowance hold on them like some of my older ones now do, so it's better to close them. Even most high risk products that have a price tag above $100 during approval, now require a 20% allowance. What happened? We did a huge blast, got paid wire after wire, then within 2 months like 75%+ of the promo we ran refunded (thanks to a backend provider that was shady)... Do your best not to get in the red, however if it's only a few bucks don't sweat it just make it back as soon as you can. As stated - NO they cannot legally go into your account and start deducting.