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Ach transaction types12/7/2023 ![]() ![]() If Bypass Tran Code Edit is set to “Y” for your credit union, when CU*BASE sees an incoming Tran Code for either a share or checking deposit, and the distribution master record has an “SD” on the sequence 99 distribution, the transaction will be processed without a Tran Code mismatch error or any modifications to the incoming record. To minimize the work required by the credit union, a feature called Bypass Tran Code Edit can be configured to instruct the system whether or not to ignore any errors that occur as a result of a Tran Code mismatch. In the past, these items would automatically become “Tran Code Mismatch” exceptions, and the only way to keep the error from happening again was to ask the originating company to correct its file (by issuing a Notification of Change), or by manually changing the account number on the master record to match the incoming item. Occasionally, an ACH item is received where the Tran Code on the incoming record does not match the code on your ACH master records (such as an item designated as a share deposit really being sent to a checking account). If you enter a distribution code “SD” for share deposit, CU*BASE will automatically read the account you selected and use the exact ACH Tran Code that matches the account type (share or checking). The numeric Transaction Codes used by the ACH system and the alphabetic Distribution Codes used by CU*BASE were designed to automatically cross reference each other. ![]() It can be helpful to understand why these errors appear, and under which circumstances action by a credit union employee might be required. TRAN CODE MISMATCH, WILL APPLY TO 001 TYPE NOT DEFINED IN ACH MASTER - BUT NOT ADDED The ACH Suspense Update Exception Report (PACHD) will often contain error messages like the following: Always refer to these rules for the most current codes NOTE: This partial listing was taken from the 2001 ACH Rules guide (published by NACHA). Loan Reversal (Debit) (used rarely reverses code 52) Following is a list of the numeric ACH transaction codes most commonly found on daily ACH reports:
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