According the the Green Book, chapters may affiliate a transfer member even though the addition of that member will put it over Total. She does not have to wait until the chapter is below total.
For the example that TSteven poses, since she did affiliate with the SHU chapter of XYZ, when she transfers back to BSU, she would have to affiliate (or do some form of paperwork with XYZ's HQ... oh I love initials!!) with them even though they are her chapter of initiation.
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