Reference

Transaction Codes

Code

Description

Incoming ACH

Incoming ACH payment

Incoming ACH Return

Incoming ACH returned payment

Outgoing ACH

Outgoing ACH payment

Outgoing ACH Return

Outgoing ACH returned payment

Account Transfer

Internal book transfer

Fee

Fee

Fee Refund

Fee Refund

Deposit

Deposit

Withdrawal

Withdrawal

Interest

Interest payment

Misc Credit

Misc Credit

Misc Debit

Misc Debit

Incoming Wire

Incoming Wire

Outgoing Wire

Outgoing Wire

Check

Check

Cash

Cash

Reversal

Reversal

Adjustment

Adjustment

Sale

Sale

Card Auth

Card Auth

Payment

Payment

Refund

Refund

ATM Transaction

ATM Transaction

Zelle Debit

Zelle Debit

Zelle Credit

Zelle Credit

RTP Debit

RTP (real time payment) Debit

RTP Credit

RTP (real time payment) Credit

Sweep Interest

Interest earned on a sweep account

Chargeback

Debit card chargeback

Rejection Codes

Code

Description

ERR

General Error

RES

Account Restriction

NSF

Insufficient Funds

ANF

Account Not Found

CLS

Account Closed

INA

Account Inactive

DRM

Account Dormant

ESC

Account in escheatment

CHR

Account in charge-off status

STP

Stop payment active

Transaction Flags

Flag

Description

FRC

Force Posting. Overrides most authorization rules.

NSF

Overrides sufficient funds rule

RES

Overrides all account and product restrictions

STP

Overrides all stop payments

PRE

Indicates transaction is part of pre-settlement phase of daily processing.

STS

Override account status rule

RGD

Exclude transaction from counting towards Reg D debit limit

AUTH

Indicates the transaction is for authorization purposes only. No money will move between accounts as a result of this transaction. No account activity record will be written as a result either.

CID

Company ID

RTN

Routing number

CHK

Check number

ACC

Account number

TYP

Primary type

SUB

Sub type

DIR

Direction

RES

Reason code

MEM

Memo

DAT

Data

SRC

Source

REF

Reference

EXP

Expiration

SVC

Service type

TRC

Trace number

NID

Network ID

TID

Transaction ID

RID

Receiver ID

OID

Originator ID

BID

Batch ID

Account Status

Status

Description

Inactive

Dormant for 1 year

Active

Account is active

Dormant

Dormant for 2 years

Escheat

Account is in escheatment (dormant for 3 years)

Closed

Account is closed

ChargeOff

Account has been overdrawn for a period of greater than 30 days

Account Types

Type

Description

GeneralLedger

General Ledger

Deposit

Demand Deposit Account (DDA). Checking and Savings accounts.

CreditCard

Credit Card

StoredValue

Gifts Cards and other stored value accounts

Wallet

Wallet account

Account Sources

Source

Description

Transaction

Activity from transactions will first soft post, remaining as status pending for the day, and later hard post during the nightly settlement process. Once hard posted a sequence number and running balance are assigned.

MemoPosts

Activity from memo posts are a temporary debit or credit on the account. Commonly they will be removed and then posted as a transaction.

Activity Status

Status

Description

Pending

Memo posts will remain pending until they are removed (commonly a day or more). Transactions will always start as status pending when they first soft post.

Posted

Transactions will always transition to status posted during the nightly settlement process for the account. Once hard posted, a sequence number and running balance are inserted.

Removed

Only memo posts can be removed

Activity Types

Type

Description

Internal

Activity is between two sub accounts under the same master account

External

Activity is between different master accounts

Address Classifications

Classification

Residential

Business

PoBox

Rural

Military

Other

Address Types

Type

Home

Work

Other

Classifications

Classification

Personal

Business

Transaction Status

Status

Description

Pending

Accepted, but not yet processed

Complete

Processed successfully. Money has been moved between the two accounts

Rejected

Processing failed due to one or both sides of the transaction being rejected. See rejection codes for details.

Review

Transaction waiting for approval from Ops team before it can be processed.

Declined

After review by Ops team the transaction was declined to be processed

Canceled

While a transaction is pending it may be canceled.

Customer Status

Status

Inactive

Active

Email Types

Type

Personal

Work

Other

Entity Status

Status

Inactive

Active

Fee Assessment Status

Status

Description

Pending

Fee assessment is pending successful posting to the account

Assessed

Fee has been posted to the account

Waived

Refund process has been started, but the refund has not yet posted.

Refunded

Refund has been posted to the account

Failed

Fee assessment failed to post the account

RefundFailed

Refund failed to post the account

Hold Reasons

Reason

Description

Availability

Relates to the availability of funds for check deposits and ACH payments

Management

Bank management has placed a hold

Collateral

Safeguard

CardAuth

Debit card authorization

Other

Hold Status

Status

Inactive

Active

Hold Types

Type

Internal

Partner

Identification Types

Type

DriversLicense

Passport

IdCard

SocialSecurity

Other

Interest Accrual Frequency

Frequency

Daily

Interest Accrual Method

Method

AccountBalance

Interest Calc Methods

Method

SimpleInterest

Compounding

Interest Posting Frequency

Frequency

Monthly

Memo Post Status

Status

Inactive

Active

Memo Transaction Types

Type

Description

Debit

Debit to account available balance

Credit

Credit to account available balance

InfoDebit

Informational debit (balance not affected)

InfoCredit

Informational credit (balance not affected)

Ownership Type

Type

Exempt

Excluded

NonProfit

LegalEntity

Phone Type

Type

Home

Mobile

Work

Fax

Rail Type

Type

Description

ACH

ACH Network

Wires

Wire Network

CreditCard

Credit Card

DebitCard

Debit Card

StoredValue

Stored value card network (e.g. gift cards)

ICL

Image Cash Letter (i.e. checks)

XPay

XPay rail which enables instant transfers between COS accounts

Internal

Internal book transfer

Relationship Status

Status

Inactive

Active

Relationship Type

Type

Primary

AuthSigner

Joint

Restriction Applies To

Type

Description

All

Master and sub accounts

Account

Master account only

SubAccounts

Sub accounts only

Restriction Status

Status

Inactive

Active

Risk Ratings

Rating

Low

Medium

High

Customer Entity Types

Entity Type

Limited Liability Company

Sole Proprietorship

Corporation

Not for Profit

Investment/Hedge/Private Equity Fund

Trust

Statement Status

Status

Description

Processing

Statement is generating

Completed

Statement data is fully available and all associated pdf documents have been generated

Stop Payment Status

Status

Inactive

Active

Sub Account Status

Status

Active

Closed

Sub Ledger Type

Type

Description

Passthrough

Sub ledger balance is informational only and will not be considered when making transaction decisions for the account. Only the master balance is used for transaction decisions. Sub ledgers can go negative if needed, as long as the funds are in the master account.

Direct

Sub ledger balance is used for transaction decisions. Implicit sub ledger cannot go negative.

Tax ID Type

Type

Description

SSN

Social security number

EIN

Employer identification number

ITIN

Individual tax ID number

VAT

International VAT number

Transaction Type

Type

Debit

Credit

Error Codes

Code

Description

1000

General exception

1200

DateFormed required

1201

DateFormed cannot be in the future

1202

BirthDate required

1203

BirthDate cannot be in the future

1204

EntityName required

1205

FirstName not allowed for classification

1206

MiddleName not allowed for classification

1207

LastName not allowed for classification

1208

Prefix not allowed for classification

1209

Suffix not allowed for classification

1210

PreferredName not allowed for classification

1211

FirstName required

1212

LastName required

1213

EntityName not allowed for classification

1214

Name required

1215

PoliticallyExposedPerson required

1216

PoliticallyExposedPerson not allowed for classification

1217

BirthDate not allowed for classification

1218

DateFormed not allowed for classification

1219

RegO required

1220

RegO not allowed for classification

1221

PrimaryOwnerCustomerId required

1222

PrimaryOwnerCustomerId not allowed for classification

1223

EntityType not allowed for classification

1224

OwnershipType not allowed for classification

1225

TaxIdType not allowed for classification

2000

General exception

2001

Account not active

2002

Status cannot be set to closed manually

2003

Account not open

2004

Account is closed

2005

Account is not closed

2006

Account cannot be closed until active holds removed

2007

Account cannot be closed until active memo posts removed

2008

Account cannot be closed until all completed transactions have been applied and balance is zero

2009

Account cannot be closed until sub accounts are closed

2010

Max total accounts exceeded for product

2011

Max active accounts exceeded for product

2012

Max daily accounts exceeded for product

2013

Account already exists

2014

Account number cannot be generated

2015

Account generation attempts exceeded

2016

Invalid account number prefix

2017

Invalid account number length

2018

Customer not assigned to same partner as product

2019

Customer classification not allowed for product

2020

Customer must have an address associated

2021

Customer must have a phone number associated

2022

Customer must be cleared for OFAC prior to account opening

2100

Sub account not found

2101

Sub account not active

2102

Cannot modify implicit sub account

2103

Sub account already exists

2104

Sub account is closed

2105

Sub account is not closed

2106

Master account required

2107

Master account not open

2108

Master account not active

2109

Master account not found

2110

Beneficiary required

2111

Sub account total limit has been reached for master account

2112

Sub accounts are not enabled for product

2113

Sub account number cannot be generated

2114

Sub account generation attempts exceeded

2115

Invalid sub account number prefix

2116

Invalid sub account number length

2117

Sub account cannot be closed until all completed transactions have been applied and balance is zero

2118

Sub account daily limit has been reached for master account

2119

Sub account active limit has been reached for master account

2200

Customer not found

2201

Customer not active

2202

Entity not active

2203

Address not active

2204

Cannot remove primary address

2205

DateFormed required

2206

DateFormed cannot be in the future

2207

BirthDate required

2208

BirthDate cannot be in the future

2209

Primary owner customer not found

2210

Primary owner customer not active

2211

Primary owner customer must be a person

2212

Entity and primary owner must be under same partner

2213

Entity and primary owner must be different customers

2214

Entity customer must be a business

2215

Owner customer not found

2216

Owner customer not active

2217

Owner customer must be a person

2218

Entity and owner customers must be under same partner

2219

Entity and owner must be different customers

2220

Owner relationship already exists for entity customer

2221

Unable to deactivate customer due to established account relationship(s)

2222

Partner not found or is inactive

2223

An active customer with this tax ID already exists for partner

2224

Cannot remove primary identification

2225

Cannot remove primary phone

2226

Invalid customer entity type

2300

Fee not found

2301

Fee code not found

2302

Fee schedule not found for product

2303

Fees not enabled for product

2304

Fee not assessed

2305

Fee schedule change not approved

2306

Fee schedule change not pending

2307

Fee schedule not found

2308

Fee schedule not found for product

2309

Fee schedule not active

2310

Fee schedule name already exists

2311

Fee schedule in request must match fee schedule associated with change

2312

Max fees for fee schedule exceeded

2313

Pending fee schedule change with name already exists

2314

Fee schedule change approval requires dual control

2315

Fee already waived

2350

Hold not found

2351

Hold is inactive

2352

Invalid hold amount

2353

Expiration date cannot be in the past

2375

Restriction not found

2376

Restriction not active

2377

Restriction policy in request must match restriction policy associated with change

2378

Restriction policy approval requires dual control

2379

Restriction policy not found

2380

Restriction policy not active

2381

Restriction policy max restrictions exceeded

2382

Restriction policy name already exists

2383

Pending restriction policy change with name already exists

2384

Restriction already inactive

2385

Restriction policy change not approved

2386

Restriction policy change not pending

2425

Interest accrual not found

2426

Start date must be before end date

2427

Amount must be greater than or equal to zero

2428

Payments not equal to zero must be posted to core

2450

Memo post not found

2451

Memo post not active

2452

TransactionCode is invalid

2475

Product not found

2476

Product not active

2477

Product change not approved

2478

Product change not pending

2479

Product in request must match product associated with change

2480

Classification not allowed for product type

2481

Product type invalid

2482

Product name already exists

2483

Unknown account type for product

2484

Pending product change with name already exists

2485

Interest Accrual not allowed for account type

2486

Fees not allowed for account type

2487

Statements not allowed for account type

2488

Product change approval requires dual control

2525

Relationship not found

2526

Relationship not active

2527

Primary relationship cannot be removed

2528

Relationship not allowed for account type

2529

RelationshipType not allowed for account classification

2530

IsTaxReportingOwner cannot be enabled for relationship type

2531

Customer must be classified as a person

2532

Customer relationship already exists

2533

Customer must be under same partner as account

2534

Customer must be cleared for OFAC prior to creating relationship

2550

Settlement not found

2551

Daily settlement must be pending

2552

Daily settlement must not be complete

2553

Daily settlement must be pre-settling and all interest must be processed

2554

All accounts must be settled before daily settlement can be completed

2575

Snapshot not found

2576

Snapshot account number does not match

2577

Snapshot partner does not match

2600

Statement not found

2601

Statement not completed

2602

Statement is closed

2603

AccountNumber must match statement

2604

Unable to generate statement for account type

2625

Transaction not found

2626

Debit account not found

2627

Debit account not active

2628

Credit account not found

2629

Credit account not active

2630

Debit and credit accounts must be different

2631

Debit account type not allowed

2632

Credit account type not allowed

2633

General ledger transfers require auto approval permission

2634

Transaction must be pending

2635

Transaction not effective

2636

Transaction must be under review

2637

Transaction authorization not found

2638

Transaction approval requires dual control

2639

Invalid transaction status

2640

PartnerId not accessible

2641

PartnerId is required for user type

2642

TransactionCode is invalid

2643

Max transaction flags exceeded

2644

Invalid transaction flag

2645

Transaction flags not allowed

2646

Transaction filter required

2647

Transaction trace number required

2648

Transaction proposal required

2649

Transaction amount must be greater than zero

2650

Transaction auth status invalid

2700

Accounting export is not processing


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