diff --git a/src/test/com/bank/service/internal/DefaultDepositServiceTests.java b/src/test/com/bank/service/internal/DefaultDepositServiceTests.java
index 2426f7b..84b2b6a 100644
--- a/src/test/com/bank/service/internal/DefaultDepositServiceTests.java
+++ b/src/test/com/bank/service/internal/DefaultDepositServiceTests.java
@@ -38,7 +38,7 @@ public void setUp() {
     }
 
     @Test
-    public void testDeposit() {
+    public void testDepositAddsAmountToInitialBalance() {
         double depositAmount = 100.00;
         depositService.setMinimumDepositAmount(5.00);
         try {
@@ -49,7 +49,7 @@ public void testDeposit() {
     }
 
     @Test
-    public void testDepositBelowMinimumAmount() throws InvalidDepositAmountException {
+    public void testDepositBelowMinimumAmountThrowsExceptionAndLeaveCurrentBalance() throws InvalidDepositAmountException {
         double depositAmount = 4.99;
         depositService.setMinimumDepositAmount(5.00);
         try {
diff --git a/src/test/com/bank/service/internal/DefaultTransferServiceTests.java b/src/test/com/bank/service/internal/DefaultTransferServiceTests.java
index 846befc..cecb15d 100644
--- a/src/test/com/bank/service/internal/DefaultTransferServiceTests.java
+++ b/src/test/com/bank/service/internal/DefaultTransferServiceTests.java
@@ -35,21 +35,28 @@ public void setUp() {
     }
 
     @Test
-    public void testTransfer() throws InsufficientFundsException {
+    public void testTransferMoveMoneyFromOneAccountToAnother() throws InsufficientFundsException {
         double transferAmount = 100.00;
 
-        TransferReceipt receipt = transferService.transfer(transferAmount, A123_ID, C456_ID);
-
-        assertThat(receipt.getTransferAmount(), equalTo(transferAmount));
-        assertThat(receipt.getFinalSourceAccount().getBalance(), equalTo(A123_INITIAL_BAL - transferAmount));
-        assertThat(receipt.getFinalDestinationAccount().getBalance(), equalTo(C456_INITIAL_BAL + transferAmount));
+        transferService.transfer(transferAmount, A123_ID, C456_ID);
 
         assertThat(accountRepository.findById(A123_ID).getBalance(), equalTo(A123_INITIAL_BAL - transferAmount));
         assertThat(accountRepository.findById(C456_ID).getBalance(), equalTo(C456_INITIAL_BAL + transferAmount));
     }
+    
+    @Test 
+    public void testTransferProduceCorrectReciept() throws InsufficientFundsException {
+    	double transferAmount = 100.00;
+    	
+    	TransferReceipt receipt = transferService.transfer(transferAmount, A123_ID, C456_ID);
+    	
+    	assertThat(receipt.getTransferAmount(), equalTo(transferAmount));
+        assertThat(receipt.getFinalSourceAccount().getBalance(), equalTo(A123_INITIAL_BAL - transferAmount));
+        assertThat(receipt.getFinalDestinationAccount().getBalance(), equalTo(C456_INITIAL_BAL + transferAmount));
+    }
 
     @Test
-    public void testInsufficientFunds() {
+    public void testTransferInsufficientFundsThrowsException() {
         double overage = 9.00;
         double transferAmount = A123_INITIAL_BAL + overage;
 
@@ -60,7 +67,18 @@ public void testInsufficientFunds() {
             assertThat(ex.getTargetAccountId(), equalTo(A123_ID));
             assertThat(ex.getOverage(), equalTo(overage));
         }
+    }
+        
+    @Test
+    public void testTransferInsufficientFundsLeaveAmountOnBothAccountUnchanged() {
+        double overage = 9.00;
+        double transferAmount = A123_INITIAL_BAL + overage;
 
+        try {
+            transferService.transfer(transferAmount, A123_ID, C456_ID);
+        } catch (InsufficientFundsException ex) {
+        }
+        
         assertThat(accountRepository.findById(A123_ID).getBalance(), equalTo(A123_INITIAL_BAL));
         assertThat(accountRepository.findById(C456_ID).getBalance(), equalTo(C456_INITIAL_BAL));
     }
diff --git a/src/test/com/bank/service/internal/VariableFeePolicyTests.java b/src/test/com/bank/service/internal/VariableFeePolicyTests.java
index cf73ae9..ae0fbe2 100644
--- a/src/test/com/bank/service/internal/VariableFeePolicyTests.java
+++ b/src/test/com/bank/service/internal/VariableFeePolicyTests.java
@@ -3,20 +3,34 @@
 import static org.hamcrest.CoreMatchers.equalTo;
 import static org.junit.Assert.assertThat;
 
+import org.junit.Before;
 import org.junit.Test;
 
 import com.bank.service.internal.VariableFeePolicy;
 
 public class VariableFeePolicyTests {
 
+	private VariableFeePolicy feePolicy;
+
+	@Before
+	public void before() {
+		feePolicy = new VariableFeePolicy();
+	}
+	
     @Test
-    public void testVariableFee() {
-        VariableFeePolicy feePolicy = new VariableFeePolicy();
+    public void testVariableFeeCalculateByPercentage() {
         feePolicy.setFeePercentage(1.00); // 1% fee
         feePolicy.setMinimumFee(1.00); // $1.00
 
         assertThat(feePolicy.calculateFee(1000.00), equalTo(10.00));
         assertThat(feePolicy.calculateFee(100.00), equalTo(1.00));
+    }
+    
+    @Test
+    public void testVariableFeeCalculateRespectMinimumFee() {
+        feePolicy.setFeePercentage(1.00); // 1% fee
+        feePolicy.setMinimumFee(1.00); // $1.00
+
         assertThat(feePolicy.calculateFee(10.00), equalTo(1.00));
     }
 }