Reference

Transaction Codes

CodeDescription
Incoming ACHIncoming ACH payment
Incoming ACH ReturnIncoming ACH returned payment
Outgoing ACHOutgoing ACH payment
Outgoing ACH ReturnOutgoing ACH returned payment
Account TransferInternal book transfer
FeeFee
Fee RefundFee Refund
DepositDeposit
WithdrawalWithdrawal
InterestInterest payment
Misc CreditMisc Credit
Misc DebitMisc Debit
Incoming WireIncoming Wire
Outgoing WireOutgoing Wire
CheckCheck
CashCash
ReversalReversal
AdjustmentAdjustment
SaleSale
Card AuthCard Auth
PaymentPayment
RefundRefund
ATM TransactionATM Transaction
Zelle DebitZelle Debit
Zelle CreditZelle Credit
RTP DebitRTP (real time payment) Debit
RTP CreditRTP (real time payment) Credit
Sweep InterestInterest earned on a sweep account
ChargebackDebit card chargeback

Rejection Codes

CodeDescription
ERRGeneral Error
RESAccount Restriction
NSFInsufficient Funds
ANFAccount Not Found
CLSAccount Closed
INAAccount Inactive
DRMAccount Dormant
ESCAccount in escheatment
CHRAccount in charge-off status
STPStop payment active

Transaction Flags

FlagDescription
FRCForce Posting. Overrides most authorization rules.
NSFOverrides sufficient funds rule
RESOverrides all account and product restrictions
STPOverrides all stop payments
PREIndicates transaction is part of pre-settlement phase of daily processing.
STSOverride account status rule
RGDExclude transaction from counting towards Reg D debit limit
AUTHIndicates 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.
CIDCompany ID
RTNRouting number
CHKCheck number
ACCAccount number
TYPPrimary type
SUBSub type
DIRDirection
RESReason code
MEMMemo
DATData
SRCSource
REFReference
EXPExpiration
SVCService type
TRCTrace number
NIDNetwork ID
TIDTransaction ID
RIDReceiver ID
OIDOriginator ID
BIDBatch ID

Account Status

StatusDescription
InactiveDormant for 1 year
ActiveAccount is active
DormantDormant for 2 years
EscheatAccount is in escheatment (dormant for 3 years)
ClosedAccount is closed
ChargeOffAccount has been overdrawn for a period of greater than 30 days

Account Types

TypeDescription
GeneralLedgerGeneral Ledger
DepositDemand Deposit Account (DDA). Checking and Savings accounts.
CreditCardCredit Card
StoredValueGifts Cards and other stored value accounts
WalletWallet account

Account Sources

SourceDescription
TransactionActivity 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.
MemoPostsActivity 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

StatusDescription
PendingMemo 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.
PostedTransactions 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.
RemovedOnly memo posts can be removed

Activity Types

TypeDescription
InternalActivity is between two sub accounts under the same master account
ExternalActivity 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

StatusDescription
PendingAccepted, but not yet processed
CompleteProcessed successfully. Money has been moved between the two accounts
RejectedProcessing failed due to one or both sides of the transaction being rejected. See rejection codes for details.
ReviewTransaction waiting for approval from Ops team before it can be processed.
DeclinedAfter review by Ops team the transaction was declined to be processed
CanceledWhile 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

StatusDescription
PendingFee assessment is pending successful posting to the account
AssessedFee has been posted to the account
WaivedRefund process has been started, but the refund has not yet posted.
RefundedRefund has been posted to the account
FailedFee assessment failed to post the account
RefundFailedRefund failed to post the account

Hold Reasons

ReasonDescription
AvailabilityRelates to the availability of funds for check deposits and ACH payments
ManagementBank management has placed a hold
Collateral
Safeguard
CardAuthDebit 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

TypeDescription
DebitDebit to account available balance
CreditCredit to account available balance
InfoDebitInformational debit (balance not affected)
InfoCreditInformational credit (balance not affected)

OFAC / PEP Status

StatusDescription
PendingA scan is being performed on the customer.
ClearA scan has been completed and the customer has been cleared.
FailedA scan has been completed but the customer must be reviewed by our BSA/AML team.
ReviewingThe customer is currently being reviewed by our BSA/AML team.

Ownership Type

Type
Exempt
Excluded
NonProfit
LegalEntity

Phone Type

Type
Home
Mobile
Work
Fax

Rail Type

TypeDescription
ACHACH Network
WiresWire Network
CreditCardCredit Card
DebitCardDebit Card
StoredValueStored value card network (e.g. gift cards)
ICLImage Cash Letter (i.e. checks)
XPayXPay rail which enables instant transfers between COS accounts
InternalInternal book transfer

Relationship Status

Status
Inactive
Active

Relationship Type

Type
Primary
AuthSigner
Joint

Restriction Applies To

TypeDescription
AllMaster and sub accounts
AccountMaster account only
SubAccountsSub 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

StatusDescription
ProcessingStatement is generating
CompletedStatement data is fully available and all associated pdf documents have been generated

Stop Payment Status

Status
Inactive
Active

Sub Account Status

Status
Active
Closed

Subledger Type

TypeDescription
PassthroughSubledger 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. Subledgers can go negative if needed, as long as the funds are in the master account.
DirectSubledger balance is used for transaction decisions. Implicit subledger cannot go negative.

Tax ID Type

TypeDescription
SSNSocial security number
EINEmployer identification number
ITINIndividual tax ID number
VATInternational VAT number

Transaction Type

Type
Debit
Credit

Error Codes

CodeDescription
1000General exception
1200DateFormed required
1201DateFormed cannot be in the future
1202BirthDate required
1203BirthDate cannot be in the future
1204EntityName required
1205FirstName not allowed for classification
1206MiddleName not allowed for classification
1207LastName not allowed for classification
1208Prefix not allowed for classification
1209Suffix not allowed for classification
1210PreferredName not allowed for classification
1211FirstName required
1212LastName required
1213EntityName not allowed for classification
1214Name required
1215PoliticallyExposedPerson required
1216PoliticallyExposedPerson not allowed for classification
1217BirthDate not allowed for classification
1218DateFormed not allowed for classification
1219RegO required
1220RegO not allowed for classification
1221PrimaryOwnerCustomerId required
1222PrimaryOwnerCustomerId not allowed for classification
1223EntityType not allowed for classification
1224OwnershipType not allowed for classification
1225TaxIdType not allowed for classification
2000General exception
2001Account not active
2002Status cannot be set to closed manually
2003Account not open
2004Account is closed
2005Account is not closed
2006Account cannot be closed until active holds removed
2007Account cannot be closed until active memo posts removed
2008Account cannot be closed until all completed transactions have been applied and balance is zero
2009Account cannot be closed until sub accounts are closed
2010Max total accounts exceeded for product
2011Max active accounts exceeded for product
2012Max daily accounts exceeded for product
2013Account already exists
2014Account number cannot be generated
2015Account generation attempts exceeded
2016Invalid account number prefix
2017Invalid account number length
2018Customer not assigned to same partner as product
2019Customer classification not allowed for product
2020Customer must have an address associated
2021Customer must have a phone number associated
2022Customer must be cleared for OFAC prior to account opening
2100Sub account not found
2101Sub account not active
2102Cannot modify implicit sub account
2103Sub account already exists
2104Sub account is closed
2105Sub account is not closed
2106Master account required
2107Master account not open
2108Master account not active
2109Master account not found
2110Beneficiary required
2111Sub account total limit has been reached for master account
2112Sub accounts are not enabled for product
2113Sub account number cannot be generated
2114Sub account generation attempts exceeded
2115Invalid sub account number prefix
2116Invalid sub account number length
2117Sub account cannot be closed until all completed transactions have been applied and balance is zero
2118Sub account daily limit has been reached for master account
2119Sub account active limit has been reached for master account
2200Customer not found
2201Customer not active
2202Entity not active
2203Address not active
2204Cannot remove primary address
2205DateFormed required
2206DateFormed cannot be in the future
2207BirthDate required
2208BirthDate cannot be in the future
2209Primary owner customer not found
2210Primary owner customer not active
2211Primary owner customer must be a person
2212Entity and primary owner must be under same partner
2213Entity and primary owner must be different customers
2214Entity customer must be a business
2215Owner customer not found
2216Owner customer not active
2217Owner customer must be a person
2218Entity and owner customers must be under same partner
2219Entity and owner must be different customers
2220Owner relationship already exists for entity customer
2221Unable to deactivate customer due to established account relationship(s)
2222Partner not found or is inactive
2223An active customer with this tax ID already exists for partner
2224Cannot remove primary identification
2225Cannot remove primary phone
2226Invalid customer entity type
2300Fee not found
2301Fee code not found
2302Fee schedule not found for product
2303Fees not enabled for product
2304Fee not assessed
2305Fee schedule change not approved
2306Fee schedule change not pending
2307Fee schedule not found
2308Fee schedule not found for product
2309Fee schedule not active
2310Fee schedule name already exists
2311Fee schedule in request must match fee schedule associated with change
2312Max fees for fee schedule exceeded
2313Pending fee schedule change with name already exists
2314Fee schedule change approval requires dual control
2315Fee already waived
2350Hold not found
2351Hold is inactive
2352Invalid hold amount
2353Expiration date cannot be in the past
2375Restriction not found
2376Restriction not active
2377Restriction policy in request must match restriction policy associated with change
2378Restriction policy approval requires dual control
2379Restriction policy not found
2380Restriction policy not active
2381Restriction policy max restrictions exceeded
2382Restriction policy name already exists
2383Pending restriction policy change with name already exists
2384Restriction already inactive
2385Restriction policy change not approved
2386Restriction policy change not pending
2425Interest accrual not found
2426Start date must be before end date
2427Amount must be greater than or equal to zero
2428Payments not equal to zero must be posted to core
2450Memo post not found
2451Memo post not active
2452TransactionCode is invalid
2475Product not found
2476Product not active
2477Product change not approved
2478Product change not pending
2479Product in request must match product associated with change
2480Classification not allowed for product type
2481Product type invalid
2482Product name already exists
2483Unknown account type for product
2484Pending product change with name already exists
2485Interest Accrual not allowed for account type
2486Fees not allowed for account type
2487Statements not allowed for account type
2488Product change approval requires dual control
2525Relationship not found
2526Relationship not active
2527Primary relationship cannot be removed
2528Relationship not allowed for account type
2529RelationshipType not allowed for account classification
2530IsTaxReportingOwner cannot be enabled for relationship type
2531Customer must be classified as a person
2532Customer relationship already exists
2533Customer must be under same partner as account
2534Customer must be cleared for OFAC prior to creating relationship
2550Settlement not found
2551Daily settlement must be pending
2552Daily settlement must not be complete
2553Daily settlement must be pre-settling and all interest must be processed
2554All accounts must be settled before daily settlement can be completed
2575Snapshot not found
2576Snapshot account number does not match
2577Snapshot partner does not match
2600Statement not found
2601Statement not completed
2602Statement is closed
2603AccountNumber must match statement
2604Unable to generate statement for account type
2625Transaction not found
2626Debit account not found
2627Debit account not active
2628Credit account not found
2629Credit account not active
2630Debit and credit accounts must be different
2631Debit account type not allowed
2632Credit account type not allowed
2633General ledger transfers require auto approval permission
2634Transaction must be pending
2635Transaction not effective
2636Transaction must be under review
2637Transaction authorization not found
2638Transaction approval requires dual control
2639Invalid transaction status
2640PartnerId not accessible
2641PartnerId is required for user type
2642TransactionCode is invalid
2643Max transaction flags exceeded
2644Invalid transaction flag
2645Transaction flags not allowed
2646Transaction filter required
2647Transaction trace number required
2648Transaction proposal required
2649Transaction amount must be greater than zero
2650Transaction auth status invalid
2700Accounting export is not processing