diff --git a/service/mantle/account/FinancialAccountServices.xml b/service/mantle/account/FinancialAccountServices.xml
index 722a39b6..501e7c8d 100644
--- a/service/mantle/account/FinancialAccountServices.xml
+++ b/service/mantle/account/FinancialAccountServices.xml
@@ -111,6 +111,9 @@ along with this software (see the LICENSE.md file). If not, see
         <actions>
             <entity-find-one entity-name="mantle.account.financial.FinancialAccount" value-field="financialAccount"/>
             <!-- if needed adjust availableBalance -->
+            <if condition="negativeBalanceLimit == null">
+                <set field="negativeBalanceLimit" from="financialAccount.negativeBalanceLimit"/>
+            </if>
             <if condition="negativeBalanceLimit != financialAccount.negativeBalanceLimit">
                 <set field="availableBalance" from="(financialAccount.availableBalance ?: 0.0) + (negativeBalanceLimit - financialAccount.negativeBalanceLimit)"/></if>
             <service-call name="update#mantle.account.financial.FinancialAccount" in-map="context" out-map="context"/>