0

Transaction Origination by Teller

Online teller transactions (includes GOLD HomeBanker/Internet, GOLDPhone, and ATM fees).

300

Afterhours file maintenance functions

301

ATM—Automated teller machine (online)

If institution option PADJ (Post ATM Deposits as Journal In) is set to "Y," then there are no holds on the deposited funds and the transactions flow through the D-3 Net Journal amount field.

If institution option PADJ (Post ATM Deposits as Journal In) is set to "N," a hold is placed on the deposited funds and the transactions flow through the D-2 Checks In amount field. The type of hold depends on what is entered in institution option ATNL. If institution option ATNL is set to "N," a local hold is placed on the deposited funds for the number of local hold days found in option LCAD. If ATNL is set to "Y," a non-local hold is placed on the deposited funds for the number of non-local hold days found in option "NLCD."

GOLDPoint Systems recommends that PADJ and ATNL be set to "N" for most institutions.

Withdrawal = D-1

Amount Transfers = D-3

302

POS—Point of sale (online)

Processed through amount D-3. Includes postage stamps from ATM machines.

303

Deposit account service charge

Captured through amount D-10 and descriptor 4 or a user-defined descriptor.

304

Interest posting/transfer

Post D-3 to clearing account.  Automatic transfer of interest.

305

ACH—Automated clearing house

No post amount D-3.  Process through External Event Postings 1 and 2.

306

Inclearing checks

No post amount D3. Process through External Event Postings 3 and 4.

307

Proof transactions

No post amount D-3.  Process through External Event Postings 5, 7, and 14.

308

Reject handler originated transaction

Not used in processing.  See TORC 0605 and 0606.

309

Check charges

No post amount fields D-3 and D-10.  Process through External Event Postings 8 and 9. (Harland, Deluxe, etc.-check printing charges.)

310

Update to dormant or inactive

311

Update rate tables

312

Update tier tables

313

Roll rates on accounts

314

Batch ATM transactions (via ACH)

No post amount D-2 and D-3.  Process through external postings 10 and 11.

315

Online administrative-generated fees

Captured through amount D-10 and descriptor 2 or 3.

316

Batch POS transactions (via ACH)

No post amount D-3.  Process through External Event Postings 12 and 13. Includes postage stamps from ATM machines.

317

Update at grace period expiration

318

Update accounts at maturity

319

Teller signoff batch

320

Update uncollected funds

321

Deposit automatic loan payments

Post D-3 to in-house transfer clearing account.

322

Close dormant account—balance gone

323

Deposit, General Ledger, and loan sweep account processing

Post D-3 to in-house transfer clearing account. Post O-3 to in-house transfer clearing account.

324

Update tiered rates on account

325

Automatic deposit from in-house source

Post D-3 to in-house transfer clearing account.

326

Automatic withdrawal to in-house destination

Post D-3 to in-house transfer clearing account. (Christmas Club by check—use D-30.)

327

Bill paying (by check)

328

Retirement distribution (by check)

Captured through amount D-30.

329

Reset cycled totals

330

Reset monthly totals

331

Reset yearly totals

332

Reset CDT yearly total

333

Withdrawal of interest by check

Captured through amount D-30.

334

Update APY field

335

Update to next product function

336

Drop expired stop payment records

337

Bonus rate expiration processing

338

Required minimum distribution processing

Captured through amount D-30.

339

Retirement service charges

Captured through amount D-10 and descriptor 7 or a user-defined descriptor. (If fee was prepaid, capture with D-3 rather than D-10, pointing to prepaid holding account.)

340

Automatic deposit from external source

Post D-3 to ACH clearing account. Customer directed transfer.

341

Automatic withdrawal to external destination

See TORC 0340.

342

Bill paying to in-house destination

N/A. (See TORC 0326.)

343

Bill paying (outbound ACH)

(See TORC 0365.)

344

Retirement distribution to in-house destination

Post D-3 to in-house transfer clearing account.

345

Retirement distribution (outbound ACH)

Post D-3 to ACH clearing account.

346

Reset fiscal year-to-date totals

347

G/L transaction from GOLDTrak loan funding

Errors are listed on the Deposit System Error and Exception List (FPSDR105).

348

Clear teller statistic fields at end of week, month, or year

349

End-of-day service charge

End-of-day service charge.

350

Internal Payroll

From GOLDPoint Systems payroll (or transmitted from an outside payroll service).

351

Contract Collections

Post D-3 to contract collection clearing account.

352

Custodial PI (Principal) Interest

Post D-3 to custodial clearing account.

353

Custodial SU (Subsidy) Partial Payments

See TORC 0352.

354

Custodial TI (Reserves) One and Two

See TORC 0352.

355

General Ledger Items from Remote Sites

Post O-3 Net Journal to the Computer In-House Transfer Clearing Account. The debits and credits for this TORC will normally net to zero. ACH G/L Debits and Credits (Tran Code 1800 and 1810) that do not come through the Federal Reserve are assigned this TORC.

356

Afterhours Overdraft Transfer

Post D-3 to in-house transfer clearing account.

357

Transfer of Interest by ACH

Post D-3 to ACH clearing account.

358

Rate and Term Schedule Roll

359

Expire Monetary Holds

360

Expire Hold/Action Codes

361

Expire ACH Stops

362

Card Overdraft Transfer

Post D-3 to in-house transfer clearing account.

363

Account and Combined Analysis Service Charge

Captured through amount D-10 and descriptor 33 (single account) or 34 (combined accounts).

365

Bill Payer to MasterCard (non-FRB Outbound File)

Post D-3 Net Journal to the MasterCard clearing account.

366

Batch Debit Card Signature Transactions

No post amount D-3.  Process through External Event Postings 15 and 16. (Batch debit card entry.)

367

External Internet Transaction

Not being used.

373

Next Day Deposit Account Service Charge

Captured through the D-10 amount field.

374

EFT GOLD Outgoing/Incoming Wire Transaction

Post D-3 to teller journal clearing account. Descriptors 15, 16, and 62-79 are also assigned to TORC 374.

375

Safe Deposit Box Fee (tran code 1750)

Captured through amount D-10 and descriptor 35.

(Parameter substitution = BB.)

376

eACH Posting: From an Internal Account to an Internal Account

Post D-3 to the in-house transfer clearing account.

377

CDT Check Draft

OTC hold placed on deposit accounts. Has no effect on actual balances.

378

ACH - MasterCard Mapp Advance

Post D-3 to MasterCard clearing account.

379

Online Debit Card Signature Transactions

Post D-1 and D-3 to POS clearing account (online version of TORC 0366).

380

Fiserv Securities ACH — IRA

(Limited use–modified to TORC 305 before posting.)

381

Forced Automatic Loan Payment

If institution option FLAP (Force Loan Auto Payment) is set to “Y,” the system makes the loan payment regardless of the internal deposit account’s condition. Post D-3 to the in-house transfer clearing account.

382

Accounts Payable ACH

Post D-3 to the ACH bank account #5 in the G/L, found on the Accounts tab of the Accounts Payable Options screen (function 4) within Financial Options. This G/L account will act as a clearing account for Accounts Payable ACH payments made to an internal deposit account.

383

Clearing Negative Date on Overdraft Codes 8, 9, 10

Non-monetary

384

Third Party ACH Deposit File

Post D-3 to the third-party ACH deposit clearing account.  This file does not come to DHI via the Federal Reserve ACH system; rather, the file is a transmission from an independent bank to DHI.

385

Account Analysis Update

Non-monetary

386

eACH Posting: From an Internal Account to an External Account

Post D-3 to ACH clearing account.

387

Merchant Capture

No Post Amount D-2 Checks In.  Processed through External Event Postings 21 and 22.

389

EZ Savings In-House Transfer

Uses amount field D-3 in the autopost and is normally posted to the in-house transfer clearing account.  Requires organization option AEZS (POS EZ Savings) set to "Y."

390

EZ Savings Match - Bonus Interest Posting

Uses amount field D-9 in the autopost and is normally posted to interest expense with Tran Code 1720.  Requires organization option AEZM (POS EZ Savings Match) set to "Y."

405

Rejected ACH — Paid

Post D-3 to rejected ACH account (see External Event #2). Post O-3 to rejected ACH account for tran codes 1800-1810. No post O-3 and O-4 for Tran Code 1811-1812.

406

Rejected Inclearings Checks — Paid

Post D-3 to rejected inclearings account (see External Event #4). No Post O-3 and O-4 for Tran Code 1811-1812.

407

Rejected Proof — Paid

Post D-3 to rejected proof items account (see External Event #5). No Post O-3 and O-4 for Tran Code 1811-1812.

409

Rejected Check Charges — Paid

Post D-3 to rejected check charges account (see External Event #9). No Post O-3 and O-4 for Tran Code 1811-1812.

414

Rejected ATM — Paid

Post D-3 to rejected ATM account (see External Event #11). No Post O-3 and O-4 for Tran Code 1811-1812.

416

Rejected POS — Paid

Post D-3 to rejected POS account (see External Event #13). No Post O-3 and O-4 for Tran Code 1811-1812.

466

Rejected Batch Debit Card Items — Paid

Post D-3 to rejected batch debit card items account (see External Event #16). No Post O-3 and O-4 for Tran Code 1811-1812.

476

Rejected eACH Posting from an Internal Account to an Internal Account - Paid

Post D-3 Net Journal to the In-House Transfer Clearing Account. No Post (NP) automatic offset O-3 Net Journal and O-4 Tran Amount for Tran Code 1811-1812.

481

Rejected Forced Automatic Loan Payment – Paid

Post D-3 to the in-house transfer clearing account. A rejection may occur because of the conditions on the deposit account. No Post O-3 net journal and O-4 tran amount for tran codes 1811-1812.

482

Rejected Accounts Payable ACH – Paid

Post D-3 to the ACH bank account #5 in the G/L, found on the Accounts tab of the Accounts Payable Options screen (function 4) within Financial Options. This G/L account will act as a clearing account for Accounts Payable ACH payments made to an internal deposit account. No Post O-3 net journal and O-4 tran amount for tran codes 1811-1812.

484

Rejected Third Party ACH Deposit File – Paid

Post D-3 to the third-party ACH deposit clearing account. No Post O-3 net journal and O-4 tran amount for tran codes 1811-1812.

487

Rejected Merchant Capture - Paid

Post D-2 Checks In to the merchant capture reject clearing G/L (see External Event #22). No Post O-3 net journal and O-4 tran amount for tran code 1811-1812.

505

Rejected ACH — Returned

Post O-3 to rejected ACH account (see External Event #2). Post O-4 to total ACH account (see External Event #1) (tran code 1881-1882).

506

Rejected Inclearings Checks — Returned

Post O-3 to rejected inclearings account (see External Event #4). Post O-4 to totals inclearings account (see External Event #3) (tran code 1881-1882).

507

Rejected Proof Items — Returned

Post O-3 to rejected proof items account (see External Event #5). Post O-4 to proof return items clearing account (tran code 1881-1882).

509

Rejected ACH Check Charges - Returned

Post O-3 to the rejected ACH check charges account (External Event #9). Post O-4 to total ACH check charges account (see External Event #8). Tran code 1881-1882.

576

Rejected eACH Posting from an Internal Account to an Internal Account - Reversed back to Originator's Account

Post D-3 Net Journal to the In-House Transfer Clearing Account. No Post O-3 net journal and O-4 tran amount for tran codes 1811-1812.

586

Rejected eACH Posting from an Internal Account to an External Account - Reversed back to Originator's Account

Post D-3 Net Journal to the ACH Rejects Account. No Post O-3 net journal and O-4 tran amount for tran codes 1811-1812.

605

Originated Return — ACH

Transaction from Deposit account:

Post D-3 to total ACH account (see External Event #1).  No Post O-3 and O-4 for Tran Code 1811-1812.

Transaction from G/L account (Tran Code 1881-1882):

Post O-3 to rejected ACH account.  Post O-4 to total ACH account.

606

Originated Return — Check

Transaction from Deposit account:

Post D-3 to total inclearings account (see External Event #3). No Post O-3 and O-4 for Tran Code 1811-1812.

Transaction from G/L account (Tran Code 1881-1882):

Post O-3 to originated Check returns clearing account. Post O-4 to total inclearing account.

608

Originated ChargeBack

Transaction from Deposit account:

Post D-10 (Descriptor #20) to external bank account.

Transaction from G/L account (Tran Code 1800-1810):

Post O-3 to teller journal clearing account. Post O-4 to the total inclearings account (see External Event #3).

Offsets posted through O-4 (teller supplies the G/L accounts for external bank account and originated charge back clearing).

999

GOLDPoint Systems Adjustment Function Processing