diff --git a/models/transaction.php b/models/transaction.php
index 4678858..ffed796 100644
--- a/models/transaction.php
+++ b/models/transaction.php
@@ -225,7 +225,7 @@ class Transaction extends AppModel {
       if (!isset($group[$entry['account_id']]))
 	$group[$entry['account_id']] =
 	  array('account_id' => $entry['account_id'],
-		'crdr' => 'CREDIT',
+		'crdr' => strtoupper($this->Account->fundamentalOpposite($deposit['crdr'])),
 		'amount' => 0);
       $group[$entry['account_id']]['amount'] += $entry['amount']; 
     }
@@ -556,6 +556,8 @@ class Transaction extends AppModel {
 	array_intersect_key($transaction,
 			    array_flip(array('customer_id', 'lease_id')));
       $se['comment'] = $entry['statement_entry_comment'];
+      if (!empty($entry['se_negative']))
+	$se['amount'] *= -1;
 
       // (DISBURSEMENTS will have statement entries created below, when
       //  assigning credits, and DEPOSITS don't have statement entries)
@@ -581,11 +583,11 @@ class Transaction extends AppModel {
       //  that were created above before we nulled them out
       array_unshift($entries,
 		    array('le1' => array('account_id' => $transaction['account_id'],
-					 'crdr' => 'DEBIT',
-					 'amount' => $transaction['amount']),
-			  'le2' => array('account_id' => $this->Account->accountReceivableAccountID(),
 					 'crdr' => 'CREDIT',
-					 'amount' => $transaction['amount'])
+					 'amount' => -1 * $transaction['amount']),
+			  'le2' => array('account_id' => $this->Account->accountReceivableAccountID(),
+					 'crdr' => 'DEBIT',
+					 'amount' => -1 * $transaction['amount'])
 			  ));
     }
 
@@ -681,10 +683,12 @@ class Transaction extends AppModel {
     // and recording it in the NSF account.  It has nothing to do
     // with the customer statement (charges, disbursements, credits, etc).
     $bounce_result = $this->addDeposit
-      (array('Transaction' => array(),
+      (array('Transaction' => array('crdr' => 'CREDIT'),
 	     'Entry' => array(array('tender_id'  => null,
 				    'account_id' => $this->Account->nsfAccountID(),
-				    'amount'     => -1 * $tender['LedgerEntry']['amount'],
+				    'crdr'       => 'DEBIT',
+				    'amount'     => $tender['LedgerEntry']['amount'],
+				    'se_negative' => true,
 				    ))),
        $tender['Transaction']['account_id']);
 
@@ -724,10 +728,9 @@ class Transaction extends AppModel {
 
     $rollback['Transaction']['stamp']       = $stamp;
     $rollback['Transaction']['type']        = 'RECEIPT';
-    $rollback['Transaction']['crdr']        = 'DEBIT'; // Unused... keeps verifyTx happy
+    $rollback['Transaction']['crdr']        = 'CREDIT'; // Unused... keeps verifyTx happy
     $rollback['Transaction']['account_id']  = $this->Account->nsfAccountID();
     $rollback['Transaction']['customer_id'] = $tender['Tender']['customer_id'];
-    $rollback['Transaction']['amount']      = -1 * $tender['LedgerEntry']['amount'];
 
     foreach ($nsf_ledger_entry['Transaction']['StatementEntry'] AS $disbursement) {
       if ($disbursement['type'] === 'SURPLUS') {