Reference

Check Types

Type

Description

Standard

A check drawn from a business or personal account at another bank

OnUs

A check drawn from a COS account

Treasury

MoneyOrder

FedReserveBank

FedHomeLoan

StateLocalGovt

Certified

Unknown

Check type cannot be determined

Directions

Direction

Description

Inbound

A check drawn from a COS account, deposited at another bank

Outbound

A check deposited into a COS account, drawn from an account at another bank

Payment Status

Status

Description

Created

We have received the payment, but have not started processing it yet. This status should only appear briefly under normal circumstances.

Pending

The payment is waiting to be batched and sent to the Federal Reserve.

Hold

Payment is being held at the moment and reviewed by our operations team.

Batched

The payment has been batched and a final review is being done before we send it out in a file to the Federal Reserve.

Processing

For inbound payments, we are attempting to post the payment to the receiving account. For outbound payments, the payment has been sent to the Federal Reserve, but has not posted yet.

Completed

The payment has been posted and accepted by the Federal Reserve (in the case of outbound payments). This is a final status.

Rejected

Your check has been rejected for compliance reasons. Applies to Outbound payments only. This is a final status.

Canceled

An outbound payment has be canceled at the request of the partner. A payment may only be canceled while either pending or on hold. This is a final status.

Positive Pay Status

Status

Description

Authorized

The check has been authorized for positive pay.

Paid

An authorized check has been presented by the Federal Reserve and paid by the Bank.

Revoked

The check's positive pay status has been revoked.

Payment Types

Type

Description

Forward

A forward item is a check that has been presented for deposit and will be sent to the payer bank.

Return

Relates to a previous forward item which the payer bank has returned.

Policy Types

Type

Description

Standard

NewAccount

LargeDeposits

RedepositedCheck

RepeatedOverdrafts

OnUs

RCNoticeOfUnpaidReturn

RCSuspectFraud

RCFundingAccountOverdrafts

RCUnverifiedEndorsement

RCInconsistentInformation

RCErasuresOrAlterations

RCOutOfDateRoutingNumber

RCPostDatedOrStaleDate

RCPayingBankNotPaidIndication

RCLostOrDamaged

EmergencyConditions

Reject Reasons

Reason

Description

ImageAnalysisFailure

PostingException

AmountMismatch

MaxItemAmountExceeded

MaxDepositAmountExceeded

MaxItemsPerDayExceeded

Duplicate

PayerRoutingNumberInvalid

PayerAccountNumberInvalid

CheckNumberInvalid

NotSpecified

Return Codes

Code

Description

A

Not Sufficient Funds

B

Uncollected Funds Hold

C

Stop Payment

D

Closed Account

E

Unable to Locate Account

F

Frozen/Blocked Account

G

Stale Dated

H

Post Dated

I

Endorsement Missing

J

Endorsement Irregular

K

Signature(s) Missing

L

Signature(s) Irregular

M

Non-Cash Item (Non-Negotiable)

N

Altered/Fictitious Item

P

Item Exceeds Dollar Limit

Q

Not Authorized

R

Branch/Account Sold (Wrong Bank)

S

Refer to Maker

T

Stop Payment Suspect

W

Cannot Determine Amount

X

Refer to Image

Errors

Code

Description

2000

General exception

2001

Invalid payment status

2002

Invalid posting status

2003

Payment cannot be canceled

2004

Account not found

2005

Payment must be outbound

2006

Payment must be inbound

2007

Payment must be an inbound origination

2008

Payment must be status completed or rejected to be corrected

2009

Invalid change code

2010

Payment must be an inbound return

2011

Payment must be an origination

2012

Payment must be status completed or rejected to be returned

2013

Payment must be status completed or rejected to be dishonored

2014

Invalid return code

2015

Invalid dishonored return code

2016

Original payment not found

2017

Cannot link to same payment ID

2018

Payment type must be return or notification of change

2019

Original payment must be completed

2020

Payment must be on hold to request a rescan

2021

No scan lists are configured for account

2022

Scan already pending

2023

Previous payment not found

2024

Previous payment must be a completed outbound origination

2025

Receiver account not found

2026

Active holds found

2027

Posting account cannot be changed due to current payment status

2028

Posting status must be pending or failed to change posting account

2029

Posting status must be failed to attempt a retry

2030

Originator profile address missing or invalid

2031

Payment image data not available

2032

Invalid front image format

2033

Invalid back image format

2200

Batch not authorizing

2201

Batch requires one or more payments

2202

No filters were found on the request

2300

No active configuration found for account

2301

Deposits not allowed for account type

2306

Max payment amount exceeded

2309

Origination not allowed from a restricted account

2310

Account config change not approved

2311

Account config change not pending

2312

Account config change approval requires dual control

2313

Account configuration not found or is invalid

2314

Global profile not found or is invalid

2315

Global profile change not approved

2316

Global profile change not pending

2317

Product change not pending

2318

Product change not approved

2319

Global config change approval requires dual control

2320

Global config required

2321

Global config accounts must be unique

2323

Inbound Suspense Account not found

2324

Outbound Suspense Account not found

2325

Return Account not found

2326

Operator Account not found

2327

Unposted Account not found

2328

Product config change approval requires dual control

2329

Account config required

2330

Product config required

2400

Distribution must be generating

2401

Distribution already canceled

2402

Distribution must be pending

2403

Distribution must be on hold

2404

Distribution must be verified

2405

Distribution must be released

2406

Distribution must not be released

2407

Distribution must be transmitted

2408

Distribution must be acknowledged

2409

Distribution must be processing

2410

Distribution must have been previously transmitted

2411

Distribution release requires dual control

2412

A distribution is currently generating

2413

No payments to distribute

2414

Distribution is currently processing and can no longer be acknowledged

2415

Distribution is currently complete and can no longer be acknowledged

2416

Cannot verify distribution with exceeded limits

2417

No filters were found on the request

2500

Submission import count cannot exceed total payment count

2501

Submission process count cannot exceed total payment count

2600

Hold is not active

2601

Hold payment not found

2602

No filters were found on the request

2603

This action requires dual control

3000

General exception

3001

Flags not allowed

3002

Clearing hold exceeds user permissions for payment amount

3200

Access denied


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