000

Transaction Origination by Teller

Online teller transactions (includes GOLD HomeBanker/Internet and GOLDPhone)

---

001

GOLDPhone Payment by Credit Card

Post L-3 to ACH clearing account.

600, 580 (Card payments made via GOLDPhone can pay off a loan. Options must be set up for your institution to allow it.)

002

GOLDPhone Payment by ACH

Post L-3 to ACH clearing account.

600, 580 (Card payments made via GOLDPhone can pay off a loan. Options must be set up for your institution to allow it.)

003

Web Payment by Credit Card

Post L-3 to ACH clearing account.

600, 580 (Card payments made via GOLDPhone can pay off a loan. Options must be set up for your institution to allow it.)

004

Web Payment by ACH

Post L-3 to ACH clearing account.

600, 580

(Card payments made via GOLDPhone can pay off a loan. Options must be set up for your institution to allow it.)

005

Call-in Payment by Credit Card (EZPay, CIM GOLD)

Post L-3 to ACH clearing account.

600, 580 (Card payments made via GOLDPhone can pay off a loan. Options must be set up for your institution to allow it.)

006

Call-in Payment by ACH (EZPay, CIM GOLD)

Post L-3 to ACH clearing account.

600, 580 (Card payments made via GOLDPhone can pay off a loan. Options must be set up for your institution to allow it.)

007

Loan Proof Transactions

No post amount L-3 net journal, teller 1010; No post amount field O-3 net journal, teller 9999 for G/L credits and correction transactions (tran code 1810) from payoff through proof.

Various; 1810

008

Pay Loan Fees

Loan fees (both convenience fees and miscellaneous fees) processed through EZPay. The G/L account used for these fees is set up on the GOLD Services > General Ledger > G/L Account By Loan Type screen > EZPay Fee and EZPay Offset field.

Note: If institution option EGPO (EZPay G/L Posting By Office) is on, the system uses the G/L accounts on the GOLD Services > Office Information screen  > G/L Accounts tab.

See the Fees topic in the EZPay manual for more information

850

012

GOLDPhone Payment by on US Check

014

Web Payment by on US Check

015

CSO Payment Distribution

016

Call-in Payment on US Check

017

CSO Monthly Service Fee

018

ACH to Customer

019

Earn Maintenance Fee

021

Recurring External Payments - On US Routing Number

022

Afterhours File Maintenance

022

027

Savings Loan Interest Charge

820

028

Check Guarantee Interest Charge

820

029

Check Guarantee Loan Increase for Overdraft (ODLOC)

Post L-3 to computer transfer account

500

030

Check Guarantee Automatic Repayment

Post L-3 to computer transfer account

850

030

Line-Of-Credit Loan Automatic Repayment

Post L-3 to computer transfer account

600

031

Electronic Loan Credit to Principal from Outside Institution

Post L-3 to ACH clearing account

If the following TORCs go into the online reject handler, they will come out as TORC 92: 31, 33, 41, 58.

510

031

Electronic Loan Payment from Outside Institution

Post L-3 to ACH clearing account

600

032

Electronic Principal Increase Then Credit to Deposit Account

Post L-3 to computer transfer account (same as D-3 TORC 321)

500

032

Electronic Loan Credit to Principal from a Savings Transfer

Post L-3 to computer transfer account (same as D-3 TORC 321)

510

032

Electronic Loan Payment from a Savings Transfer

Post L-3 to computer transfer account (same as D-3 TORC 321)

600

033

Loan Payment from Lockbox

Post L-3 to lockbox clearing account

If the following TORCs go into the online reject handler, they will come out as TORC 92: 31, 33, 41, 58.

600

034

Loan Late Charge Assessed

Captured through L-3 and L-8 (most institutions do not post (“no post”) these transactions)

560

035

Automatic Reserve 1 Disbursement

Post L-3 to check out account

440

035

Automatic Reserve 2 Disbursement

Post L-3 to check out account

640

036

Property Tax Disbursement (Reserve 1)

Post L-3 to check out account

440

036

Property Tax Disbursement (Reserve 1)

Post L-3 to check out account

640

037

Loan Interest on Reserve 1

Post L-3 to interest expense account

610

037

Loan Interest on Reserve 2

Post L-3 to interest expense account

620

037

Loan Interest Subsidy

Post L-3 to interest expense account

630

038

LIP Interest Charge

Captured through L-18 if TORC is used

590

038

LIP Interest Accrual for Charging

530

038

LIP F/M for Interest Accrual for Charging

22

039

Incoming ACH Loan Transaction (payments, POP, and ARC line-of-credit checks)

No post (NP) L-3 and L-30. Processed through External Event #19, ACH loan transactions.

500, 510, 600

040

Amortization of Deferred Costs when Certain % of the Loan is Sold

Post L-3 to income statement account and L-23 to balance sheet account

420

040

Amortization of Deferred Fees when Certain % of the Loan is Sold

Post L-3 to income statement account and L-22 to balance sheet account

450

040

Amortization of Deferred Discount/Gain when Certain % of the Loan is Sold

Post L-3 to income statement account and L-22 to balance sheet account

70

040

Amortization of Deferred Premium/Loss when Certain % of the Loan is Sold

Post L-3 to income statement account and L-23 to balance sheet account

80

040

Amortization of Deferred MSRs when Certain % of the Loan is Sold

Post L-3 to income statement account and L-23 to balance sheet account

840

041

Loan Payment from Group Transaction

If the following TORCs go into the online reject handler, they will come out as TORC 92: 31, 33, 41, 58.

600

051

Loan Floating Rate Rollover

22

052

Loan Fixed Rate Rollover

22

053

G/L Interest Amortization - Regular

Post L-3 to income statement account and L-5 to balance sheet account

531/533

054

G/L Interest Amortization - Payoff

Post L-3 to income statement account and L-5 to balance sheet account

531/533

055

Convert Precomputed to Interest Bearing

056

Regular Amortization of Deferred Costs

Post L-3 to income statement account and L-23 to balance sheet account

420

056

Regular Amortization of Deferred Loan Fees

Post L-3 to income statement account and L-22 to balance sheet account

450

056

Regular Amortization of Deferred Discount/Gain

Post L-3 to income statement account and L-22 to balance sheet account

70

056

Regular Amortization of Deferred Premium/Loss

Post L-3 to income statement account and L-23 to balance sheet account

80

056

Regular Amortization of Deferred MSRs

Post L-3 to income statement account and L-23 to balance sheet account

840

057

Amortization of Deferred Costs when Remaining Costs are Paid Off

Post L-3 to income statement account and L-23 to balance sheet account

420

057

Amortization of Deferred Fees when Remaining Fees are Paid Off

Post L-3 to income statement account and L-22 to balance sheet account

450

057

Amortization of Deferred Discounts/Gains when Remaining Discount/Gains are Paid Off

Post L-3 to income statement account and L-22 to balance sheet account

70

057

Amortization of Deferred Premiums when Remaining Premium/Loss are Paid Off

Post L-3 to income statement account and L-23 to balance sheet account

80

057

Amortization of Deferred MSRs when Remaining MSRs are Paid Off

Post L-3 to income statement account and L-23 to balance sheet account

840

058

Amortization of Amortizing Fees

Post L-3 to income statement account and L-22 to balance sheet account

If the following TORCs go into the online reject handler, they will come out as TORC 92: 31, 33, 41, 58.

451, 452

059

Seller Disbursement-Payment to Loan from a Contract Collection Loan

Post L-3 to computer transfer account

600

059

Loan Payment made from a Contract Disbursement

Post L-3 to computer transfer account

600

060

Transmatic Payment from Outside Institution: Bank Table Error

Post L-3 to the ACH Loan Payment Exceptions G/L or do not set up Autopost and get an Autopost error

600

060

Contract Collection Seller Disbursement by Check

Post L-3 to computer transfer account

60

061

Partial Payments

Post L-3 to computer transfer account

500-850

062

Seller Disbursement – Through ACH (Out of Institution)

Post L-3 to ACH clearing account

60

063

Afterhours Charge-off

Captured through amount fields L-4, L-104, and L-204

022-01 Reclass.

067

Visa Debit

500

068

Update Repricing Date

022

069

Update Delinquency Category

022

070

One-Time External Payments - On US Routing Number

071

One-time EIP/WWW/Phone Payment from an External Deposit Account

Post L-3 and O-3 net journal posting to the teller journal clearing account (specific to one branch); the system automatically processes a General Ledger debit by journal out (tran code 1800) to the external ACH bank account on the G/L Account by Loan Type screen (under GOLD Services > General Ledger in CIM GOLD).

TORC 71 sends an outbound ACH batch to the Federal Reserve the morning after the loan payment transactions are processed.

TORC 72 to the internal deposit account returns to your institution as TORC 305 (part of External Event #1 for total ACH items) generally one day after the outbound ACH file is sent.

510,600,850,1800

072

One-time EIP/WWW/Phone Payment from an Internal Deposit Account

Post L-3 and O-3 net journal posting to the teller journal clearing account (specific to one branch); the system automatically processes a General Ledger debit by journal out (tran code 1800) to the external ACH bank account on the G/L Account by Loan Type screen (under GOLD Services > General Ledger in CIM GOLD).

TORC 71 sends an outbound ACH batch to the Federal Reserve the morning after the loan payment transactions are processed.

TORC 72 to the internal deposit account returns to your institution as TORC 305 (part of External Event #1, for total ACH items) generally one day after the outbound ACH file is sent.

510,600,850,1800

073

Recurring EIP/WWW/Phone Payment from an Internal Deposit Account

Post L-3 net journal to the in-house transfer clearing account; the system automatically processes the offset to the internal deposit account through D-3, TORC 321 the same day.

510,600,850

074

Recurring EIP/WWW/Phone Payment from an External Deposit Account

Post L-3 to the external ACH clearing account. TORC 74 sends an outbound ACH batch to the Federal Reserve the morning after the loan payment transactions are processed.

510,600,850

075

Loan File Maintenance for File Cleanup (a) Memo-post Expiration Cleanup

(b) Expired Payoff Quote Cleanup

22

076

Shift Delinquent Pattern

0

077

Charge Monthly Insurance Premium/Credit Life

500

079

Funds Distribution Loan Payment

600

080

Amortization of Deferred Costs when Loan is 100% Sold

Post L-3 to income statement account and L-23 to balance sheet account

420

080

Amortization of Deferred Fees when Loan is 100% Sold

Post L-3 to income statement account and L-22 to balance sheet account

450

080

Amortization of Deferred Discount/Gain when Loan is 100% Sold

Post L-3 to income statement account and L-22 to balance sheet account

70

080

Amortization of Deferred Premium/Loss when Loan is 100% Sold

Post L-3 to income statement account and L-23 to balance sheet account

80

080

Amortization of Deferred MSRs when Loan is 100% Sold

Post L-3 to income statement account and L-23 to balance sheet account

840

081

Accrue and Charge Interest on Payment Method 5 Loans

520

082

Check Draft Against Line-Of-Credit Loan (Payment Method 5)

No post amount L-30. Processed through external postings 17 and 18.

500 chk

083

Interest Deferred at Monthend Field Debit (Reserve Refund)

Post L-3 to check out account

500

083

Reserve 1 Refund

Post L-3 to check out account

440

083

Reserve 2 Refund

Post L-3 to check out account

640

084

Interest Deferred at Monthend File Maintenance

22

085

Accrue and Save Interest at Monthend (Update function 55 can be set to daily.)

22

086

Pay Interest on a Negative Reserve 1 Balance

Captured through L-6 and L-26

810

086

Pay Interest on a Negative Reserve 2 Balance

Captured through L-7 and L-26

820

090

Debit/Credit Dealer Prepaid Interest

Captured through L-3, L-12, L-312, and L-412. Increase to Remaining Dealer Interest Paid uses tran code 210. Automatic offset uses tran code 1811. Decrease to Remaining Dealer Interest Paid uses tran code 200. Automatic offset uses tran code 1812.

200/210

091

Regular Amortization of Dealer Interest Prepaid

Captured through L-3, L-12, L-312, and L-412.

350

092*

Online Reject Handler

Not used with GOLD ExceptionManager

---

093

Amortize Dealer Interest Prepaid after Payoff

Captured through L-3, L-12, L-312, and L-412.

350

100

Transmatic Loan Payment from Outside Institution from GOLDHomebanker/ GOLDPhone: Bank Table Error

Post L-3 to the ACH Loan Payment Exceptions G/L or do not set up Autopost and get an Autopost error

600

101

Service Charge on Line-of-Credit Loans (payment method 5)

Assessments (including the scheduled, automatic assessment), waives, and payments of loan miscellaneous fee code 47 (Service Charge) on line-of-credit are assigned TORC 101.  

For Autopost setup, either no post L-3 and L-23 or post L-3 (Credit) to fee income/payable account and L-23 (Debit) to receivable account.

660, 670, and 850

102

LOC Billing Generated

22

103

HELOC Card Advance

500

104

HELOC Card Credit

510

105

HELOC Pending Authorization

22

106

Memo Reserve Transaction

22

106

Memo Reserve Transaction

500

106

Memo Reserve Transaction

510

107

Delete Hold Codes

22

108

Capitalize Interest Function

535

109

Auto Hold Code 11

22

110

Delete Action Codes

22

111

Accrue and Change P/I

22

112

GOLDTrak Auto Funding

Post L-3 to teller journal clearing account

680

113

Auto Action Code 194 (Date of Occurrence)

22

114

Line-of-Credit loan (payment method 5) with Zero Due, Rolls Due Date to Next Billing Date

500

115

LOC Automatic Calculation of Principal Portion of Payment

Refer to Payment Type 2 (Interest Only/Fixed Principal) for Line-of-Credit loans (payment method 5) on either the Loans > Account Information > Consumer Line-of-Credit screen or the Loans > Line-of-Credit Loans screen.

22

116

Remaining Deferred Fees

Post L-3 to teller journal clearing and L-22 to balance sheet account

510

117

Remaining Deferred Costs

Post L-3 to teller journal clearing and L-23 to balance sheet account

500

118

Remaining Deferred Discount/Gain

Post L-3 to teller journal clearing and L-22 to balance sheet account

510

119

Remaining Deferred Premium/Loss

Post L-3 to teller journal clearing and L-23 to balance sheet account

500

120

Remaining Deferred MSRs

Post L-3 to teller journal clearing and L-23 to balance sheet account

500

121

Purge Stop Payments

122

Tranlog/History Purge Stop Payments

123

Auto Close PM5

124

Debit/Credit Remaining Insurance Comm-Office

Post L-3 to insurance premium payable account and L-22 to unearned insurance commission-office

100/110

125

Amortize Remaining Insurance Comm-Office

Post L-3 to insurance commission earned-office and L-22 to unearned insurance commission-office

460/461/462

126

Amortize After Payoff Remaining Insurance Comm-Office

Post L-3 to insurance commission earned-office and L-22 to unearned insurance commission-office

460/461/462

127

Rebate Remaining Insurance Comm-Office

Post L-3 to insurance premium payable and L-22 to unearned insurance commission-office

490

128

Debit/Credit Remaining Insurance Comm-Corporate

Post L-3 to insurance premium payable account and L-22 to unearned insurance commission-corporate

100/110

129

Amortize Remaining Insurance Comm-Corporate

Post L-3 to insurance commission earned-corporate and L-22 unearned insurance commission-corporate

460/461/462

130

Amortize After Payoff Remaining Insurance Comm-Corporate

Post L-3 to insurance commission earned-corporate and L-22 to unearned insurance commission-corporate

460/461/462

131

Rebate Remaining Insurance Comm-Corporate

Post L-3 to insurance premium payable and L-22 unearned insurance commission-corporate

490

132

Debit/Credit Remaining Insurance Comm-Cost

Post L-3 to insurance premium payable account and L-23 to unearned insurance commmission-cost

100/110

133

Amortize Remaining Insurance Comm-Cost

Post L-3 to insurance commission earned-cost and L-23 unearned insurance commission-cost

760, 761, 762

134

Amortize After Payoff Remaining Insurance Comm-Cost

Post L-3 to insurance commission earned-cost and L-23 to unearned insurance commission-cost

760, 761 762

135

Rebate Remaining Insurance Comm-Cost

Post L-3 to insurance premium payable and L-23 unearned insurance commission-cost

790

136

Amortize/Unamortize Finance Charge

532/534

137

Request Removal of Same-As-Cash Action Code

180

Retract Loan

182

Check Draft from a Line-Of-Credit Loan which is paid from Reject Handler

Post L-3 to rejected LOC account (see External Event #18,)

500

195

G/L Payoff Finalization

When institution option GLFL is set to "Y" (G/L Finalization), the G/L entries used in finalizing the deferred remaining amounts for precomputed interest and amortizing fees and costs will post with TORC 195. All other transactions related to the payoff will keep their existing TORC. For a payoff retraction (reversal), the system will keep the TORC of the transaction and not use TORC 195.

310, 410

196

Inter-Office Loan Move Balancing

Will be functional as soon as the programming for inter-office loan moves is completed.

197

Transaction from XMSSN Thru CSTT record

198

Auto Funding Through CIM

199

GOLDAcquire Funding Transaction

Post L-3 to the GOLDAcquire clearing account

Various

200

Loan Fees (200-249 for Fees Assessed/Waived)

201

Assess/Waive Miscellaneous Fees

Either no post L-3 and L-23 or post L-3 to fee income/payable account and L-23 to receivable account (Misc Fee Code 1)

660/668& 670/678

202

Assess/Waive Reprocessing Fee

Either no post L-3 and L-23 or post L-3 to fee income/payable account and L-23 to receivable account (Misc Fee Code 2)

660/668& 670/678

203

Assess/Waive Property Inspection Fee

Either no post L-3 and L-23 or post L-3 to fee income/payable account and L-23 to receivable account (Misc Fee Code 3)

660/668 & 670/678 70

204

Assess/Waive Research Fee

Either no post L-3 and L-23 or post L-3 to fee income/payable account and L-23 to receivable account (Misc Fee Code 4)

660/670 & 670/678 670

205

Assess/Waive Duplicate Copy Fee

Either no post L-3 and L-23 or post L-3 to fee income/payable account and L-23 to receivable account (Misc Fee Code 5)

660/668 & 670/678

206

Assess/Waive Duplicate Payment Book Fee

Either no post L-3 and L-23 or post L-3 to fee income/payable account and L-23 to receivable account (Misc Fee Code 6)

660/668 & 670/678

207

Assess/Waive Demand Cancel Fee

Either no post L-3 and L-23 or post L-3 to fee income/payable account and L-23 to receivable account (Misc Fee Code 7)

660/668 & 670/678

208

Assess/Waive Forced Insurance Fee

Either no post L-3 and L-23 or post L-3 to fee income/payable account and L-23 to receivable account (Misc Fee Code 8)

660/668 & 670/678 670

209

Assess/Waive NSF Fee

Either no post L-3 and L-23 or post L-3 to fee income/payable account and L-23 to receivable account (Misc Fee Code 9)

660/668 & 670/678

210

Assess/Waive Legal Fee

Either no post L-3 and L-23 or post L-3 to fee income/payable account and L-23 to receivable account Misc Fee Code 10)

660/668 & 670/678

211

Assess/Waive Below Minimum Draft Fee

Either no post L-3 and L-23 or post L-3 to fee income/payable account and L-23 to receivable account (Misc Fee Code 11)

660/668 & 670/678

212

Assess/Waive Credit Limit Exceeded Fee

Either no post L-3 and L-23 or post L-3 to fee income/payable account and L-23 to receivable account (Misc Fee Code 12)

660/668 & 670/678

213

Assess/Waive Stop Payment Fee

Either no post L-3 and L-23 or post L-3 to fee income/ payable account and L-23 to receivable account (Misc Fee Code 13)

660/668 & 670/678

214

Assess/Waive Abstracting Fee

Either no post L-3 and L-23 or post L-3 to fee income/ payable account and L-23 to receivable account (Misc Fee Code 14)

660/668 & 670/678

215

Assess/Waive Delinquent Tax Fee

Either no post L-3 and L-23 or post L-3 to fee income/ payable account and L-23 to receivable account (Misc Fee Code 15)

660/668 & 670/678

216

Assess/Waive Charge Back Fee

Either no post L-3 and L-23 or post L-3 to fee income/payable account and L-23 to receivable account (Misc Fee Code 16)

660/668 & 670/678

217

Assess/Waive Extension Fee

Either no post L-3 and L-23 or post L-3 to fee income/payable account and L-23 to receivable account (Misc Fee Code 17)

660/668 & 670/678

218

Assess/Waive Required Interest Fee

Either no post L-3 and L-23 or post L-3 to fee income/payable account and L-23 to receivable account (Misc Fee Code 18)

660/668 & 670/678

219

Assess/Waive Principal Decrease Fee

Either no post L-3 and L-23 or post L-3 to fee income/payable account and L-23 to receivable account (Misc Fee Code 19)

660/668 & 670/678

220

Assess/Waive Towing and Storage Fee

Either no post L-3 and L-23 or post L-3 to fee income/payable account and L-23 to receivable account (Misc Fee Code 20)

660/668 & 670/678

221

Assess/Waive Postage Fee

Either no post L-3 and L-23 or post L-3 to fee income/payable account and L-23 to receivable account (Misc Fee Code 21)

660/668 & 670/678

222

Assess/Waive Detailing Fee

Either no post L-3 and L-23 or post L-3 to fee income/payable account and L-23 to receivable account (Misc Fee Code 22)

660/668 & 670/678

223

Assess/Waive Repairs and Damage Fee

Either no post L-3 and L-23 or post L-3 to fee income/payable account and L-23 to receivable account (Misc Fee Code 23)

660/668 & 670/678

224

Assess/Waive Keys Fee

Either no post L-3 and L-23 or post L-3 to fee income/payable account and L-23 to receivable account (Misc Fee Code 24)

660/668 & 670/678

225

Assess/Waive Lien Fee

Either no post L-3 and L-23 or post L-3 to fee income/payable account and L-23 to receivable account (Misc Fee Code 25)

660/668 & 670/678

226

Assess/Waive Marketing/Advertising Fee

Either no post L-3 and L-23 or post L-3 to fee income/payable account and L-23 to receivable account (Misc Fee Code 26)

660/668 & 670/678

227

Assess/Waive Fuel and Oil Fee

Either no post L-3 and L-23 or post L-3 to fee income/payable account and L-23 to receivable account (Misc Fee Code 27)

660/668 & 670/678

228

Assess/Waive Smog Fee

Either no post L-3 and L-23 or post L-3 to fee income/payable account and L-23 to receivable account (Misc Fee Code 28)

660/668 & 670/678

229

Assess/Waive DMV Fee

Either no post L-3 and L-23 or post L-3 to fee income/payable account and L-23 to receivable account (Misc Fee Code 29)

660/668 & 670/678

230

Assess/Waive DMV/Title Fee

Either no post L-3 and L-23 or post L-3 to fee income/payable account and L-23 to receivable account (Misc Fee Code 30)

660/668 & 670/678

231

Assess/Waive Attorney Fees

Either no post L-3 and L-23 or post L-3 to fee income/payable account and L-23 to receivable account (Misc Fee Code 31)

660/668 & 670/678

232

Assess/Waive Court Costs

Either no post L-3 and L-23 or post L-3 to fee income/payable account and L-23 to receivable account (Misc Fee Code 32)

660/668 & 670/678

233

Assess/Waive Back Interest

Either no post L-3 and L-23 or post L-3 to fee income/payable account and L-23 to receivable account (Misc Fee Code 33)

660/668 &

670/678

234

Assess/Waive NSF Fee

Either no post L-3 and L-23 or post L-3 to fee income/payable account and L-23 to receivable account (Misc Fee Code 34)

660/668 &

670/678

235

Assess/Waive Misapplied Payment

Either no post L-3 and L-23 or post L-3 to fee income/payable account and L-23 to receivable account (Misc Fee Code 35)

660/668 &

670/678

236

Assess/Waive Insurance

Either no post L-3 and L-23 or post L-3 to fee income/payable account and L-23 to receivable account (Misc Fee Code 36)

660/668 &

670/678

237

Assess/Waive Other Charges Converted

Either no post L-3 and L-23 or post L-3 to fee income/payable account and L-23 to receivable account (Misc Fee Code 37)

660/668 &

670/678

238

Assess/Waive Repossession Fee

Either no post L-3 and L-23 or post L-3 to fee income/payable account and L-23 to receivable account (Misc Fee Code 38)

660/668 &

670/678

239

Assess/Waive Repossession Fee

Either no post L-3 and L-23 or post L-3 to fee income/ payable account and L-23 to receivable account (Misc Fee Code 39)

660/668 &

670/678

240

Assess/Waive Repossession Fee

Either no post L-3 and L-23 or post L-3 to fee income/ payable account and L-23 to receivable account (Misc Fee Code 40)

660/668 &

670/678

241

Assess/Waive Maintenance Fee

Either no post L-3 and L-23 or post L-3 to fee income/ payable account and L-23 to receivable account (Misc Fee Code 41).

660/668 &

670/678

242

Assess/Waive Investigation Fee

Either no post L-3 and L-23 or post L-3 to fee income/ payable account and L-23 to receivable account (Misc Fee Code 42).

660/668 &

670/678

243

Assess/Waive Field Call Fee

Either no post L-3 and L-23 or post L-3 to fee income/ payable account and L-23 to receivable account (Misc Fee Code 43).

660/668 &

670/678

244

Assess/Waive Skip Tracing Fee

Either no post L-3 and L-23 or post L-3 to fee income/ payable account and L-23 to receivable account (Misc Fee Code 44).

660/668 &

670/678

245

Assess/Waive Transportation Fee

Either no post L-3 and L-23 or post L-3 to fee income/ payable account and L-23 to receivable account (Misc Fee Code 45).

660/668 & 670/678

246

Assess/Waive Loan Fee

Either no post L-3 and L-23 or post L-3 to fee income/ payable account and L-23 to receivable account (Misc Fee Code 46).

660/668 & 670/678

247

Assess/Waive Reage Fee

Either no post L-3 and L-23 or post L-3 to fee income/ payable account and L-23 to receivable account (Misc Fee Code 47).

660/668 & 670/678

248

Write-off Fee

Either no post L-3 and L-23 or post L-3 to fee income/ payable account and L-23 to receivable account (Misc Fee Code 48).

660/668 & 670/678

250

Loan Fees (250-299 for Fees Paid)

251

Pay Miscellaneous Fee

Post L-3 to teller journal clearing. If TORC 201 is no posted, then post L-23 to fee income; otherwise, post to receivable account (Misc Fee Code 1)

850/858

252

Pay Reprocessing Fee

Post L-3 to teller journal clearing. If TORC 202 is no posted, then post L-23 to fee income; otherwise, post to receivable account (Misc Fee Code 2)

850/858

253

Pay Property Inspection Fee

Post L-3 to teller journal clearing. If TORC 203 is no posted, then post L-23 to fee income; otherwise, post to receivable account (Misc Fee Code 3)

850/858

254

Pay Research Fee

Post L-3 to teller journal clearing. If TORC 204 is no posted, then post L-23 to fee income; otherwise, post to receivable account (Misc Fee Code 4)

850/858

255

Pay Duplicate Copy Fee

Post L-3 to teller journal clearing. If TORC 205 is no posted, then post L-23 to fee income; otherwise, post to receivable account (Misc Fee Code 5)

850/858

256

Pay Duplicate Payment Book Fee

Post L-3 to teller journal clearing. If TORC 206 is no posted, then post L-23 to fee income; otherwise, post to receivable account (Misc Fee Code 6)

850/858

257

Pay Demand Cancel Fee

Post L-3 to teller journal clearing. If TORC 207 is no posted, then post L-23 to fee income; otherwise, post to receivable account (Misc Fee Code 7)

850/858

258

Pay Forced Insurance Fee

Post L-3 to teller journal clearing. If TORC 208 is no posted, then post L-23 to fee income; otherwise, post to receivable account (Misc Fee Code 8)

850/858

259

Pay Non-Sufficient Funds Fee

Post L-3 to teller journal clearing. If TORC 209 is no posted, then post L-23 to fee income; otherwise, post to receivable account (Misc Fee Code 9)

850/858

260

Pay Legal Fee

Post L-3 to teller journal clearing. If TORC 210 is no posted, then post L-23 to fee income; otherwise, post to receivable account (Misc Fee Code 10)

850/858

261

Pay Below Minimum Draft Fee

Post L-3 to teller journal clearing. If TORC 211 is no posted, then post L-23 to fee income; otherwise, post to receivable account (Misc Fee Code 11)

850/858

262

Pay Credit Limit Exceeded Fee

Post L-3 to teller journal clearing. If TORC 212 is no posted, then post L-23 to fee income; otherwise, post to receivable account (Misc Fee Code12)

850/858

263

Pay Stop Payment Fee

Post L-3 to teller journal clearing. If TORC 213 is no posted, then post L-23 to fee income; otherwise, post to receivable account (Misc Fee Code 13)

850/858

264

Pay Abstracting Fee

Post L-3 to teller journal clearing. If TORC 214 is no posted, then post L-23 to fee income; otherwise, post to receivable account (Misc Fee Code 14)

850/858

265

Pay Delinquent Tax Fee

Post L-3 to teller journal clearing. If TORC 215 is no posted, then post L-23 to fee income; otherwise, post to receivable account (Misc Fee Code 15 )

850/858

266

Pay Charge Back Fee

Post L-3 to teller journal clearing. If TORC 216 is no posted, then post L-23 to fee income; otherwise, post to receivable account (Misc Fee Code 16)

850/858

267

Pay Extension Fee

Post L-3 to teller journal clearing. If TORC 217 is no posted, then post L-23 to fee income; otherwise, post to receivable account (Misc Fee Code 17)

850/858

268

Pay Required Interest Fee

Post L-3 to teller journal clearing. If TORC 218 is no posted, then post L-23 to fee income; otherwise, post to receivable account (Misc Fee Code 18)

850/858

269

Pay Principal Decrease Fee

Post L-3 to teller journal clearing. If TORC 219 is no posted, then post L-23 to fee income; otherwise, post to receivable account (Misc Fee Code 19)

850/858

270

Pay Towing and Storage Fee

Post L-3 to teller journal clearing. If TORC 220 is no posted, then post L-23 to fee income; otherwise, post to receivable account (Misc Fee Code 20)

850/858

271

Pay Postage Fee

Post L-3 to teller journal clearing. If TORC 221 is no posted, then post L-23 to fee income; otherwise, post to receivable account (Misc Fee Code 21)

850/858

272

Pay Detailing Fee

Post L-3 to teller journal clearing. If TORC 222 is no posted, then post L-23 to fee income; otherwise, post to receivable account (Misc Fee Code 22)

850/858

273

Pay Repairs and Damage Fee

Post L-3 to teller journal clearing. If TORC 223 is no posted, then post L-23 to fee income; otherwise, post to receivable account (Misc Fee Code 23)

850/858

274

Pay Keys Fee

Post L-3 to teller journal clearing. If TORC 224 is no posted, then post L-23 to fee income; otherwise, post to receivable account (Misc Fee Code 24)

850/858

275

Pay Lien Fee

Post L-3 to teller journal clearing. If TORC 225 is no posted, then post L-23 to fee income; otherwise, post to receivable account (Misc Fee Code 25)

850/858

276

Pay Marketing/Advertising Fee

Post L-3 to teller journal clearing. If TORC 226 is no posted, then post L-23 to fee income; otherwise, post to receivable account (Misc Fee Code 26)

850/858

277

Pay Fuel and Oil Fee

Post L-3 to teller journal clearing. If TORC 227 is no posted, then post L-23 to fee income; otherwise, post to receivable account (Misc Fee Code 27)

850/858

278

Pay Smog Fee

Post L-3 to teller journal clearing. If TORC 228 is no posted, then post L-23 to fee income; otherwise, post to receivable account (Misc Fee Code 28)

850/858

279

Pay DMV Fee

Post L-3 to teller journal clearing. If TORC 229 is not posted, then post L-23 to fee income; otherwise, post to receivable account (Misc Fee Code 29)

850/858

280

Pay DMV/Title Fee

Post L-3 to teller journal clearing. If TORC 229 is no posted, then post L-23 to fee income; otherwise, post to receivable account (Misc Fee Code 30)

850/858

281

Pay Attorney Fee

Post L-3 to teller journal clearing. If TORC 231 is no posted, then post L-23 to fee income; otherwise, post to receivable account (Misc Fee Code 31)

850/858

282

Pay Court Costs

Post L-3 to teller journal clearing. If TORC 232 is no posted, then post L-23 to fee income; otherwise, post to receivable account (Misc Fee Code 32)

850/858

283

Pay Back Interest

Post L-3 to teller journal clearing. If TORC 233 is no posted, then post L-23 to fee income; otherwise, post to receivable account (Misc Fee Code 33)

850/858

284

Pay NSF Check Amount Fee

Post L-3 to teller journal clearing. If TORC 233 is no posted, then post L-23 to fee income; otherwise, post to receivable account (Misc Fee Code 34)

850/858

285

Pay Misapplied Payment

Post L-3 to teller journal clearing. If TORC 235 is no posted, then post L-23 to fee income; otherwise, post to receivable account (Misc Fee Code 35)

850/858

286

Pay Insurance

Post L-3 to teller journal clearing. If TORC 236 is no posted, then post L-23 to fee income; otherwise, post to receivable account (Misc Fee Code 36)

850/858

287

Pay Other Charges Converted

Post L-3 to teller journal clearing. If TORC 237 is no posted, then post L-23 to fee income; otherwise, post to receivable account (Misc Fee Code 37)

850/858

288

Pay Repossession Fee

Post L-3 to teller journal clearing. If TORC 238 is no posted, then post L-23 to fee income; otherwise, post to receivable account (Misc Fee Code 38)

850/858

289

Pay Late Charge Fee

Post L-3 to teller journal clearing. If TORC 239 is no posted, then post L-23 to fee income; otherwise, post to receivable account (Misc Fee Code 39).

850/858

290

Pay Prevailing Party Fee

Post L-3 to teller journal clearing. If TORC 240 is no posted, then post L-23 to fee income; otherwise, post to receivable account (Misc Fee Code 40).

850/858

291

Pay Maintenance Fee

Post L-3 to to teller journal clearing. If TORC 241 is no posted, then post L-23 to fee income; otherwise, post to receivable account (Misc Fee Code 41).

850/858

292

Pay Investigation Fee

Post L-3 to to teller journal clearing. If TORC 242 is no posted, then post L-23 to fee income; otherwise, post to receivable account (Misc Fee Code 42).

850/858

293

Pay Field Call Fee

Post L-3 to to teller journal clearing. If TORC 243 is no posted, then post L-23 to fee income; otherwise, post to receivable account (Misc Fee Code 43).

850/858

294

Pay Skip Tracing Fee

Post L-3 to to teller journal clearing. If TORC 243 is no posted, then post L-23 to fee income; otherwise, post to receivable account (Misc Fee Code 44).

850/858

295

Pay Transportation Fee

Post L-3 to to teller journal clearing. If TORC 245 is no posted, then post L-23 to fee income; otherwise, post to receivable account (Misc Fee Code 45).

850/858

296

Pay Loan Fee

Post L-3 to to teller journal clearing. If TORC 246 is no posted, then post L-23 to fee income; otherwise, post to receivable account (Misc Fee Code 46).

850/858

297

Pay Reage Card Fee

Post L-3 to to teller journal clearing. If TORC 246 is no posted, then post L-23 to fee income; otherwise, post to receivable account (Misc Fee Code 47).

850/858

298

Write-off Fee

Post L-3 to to teller journal clearing. If TORC 246 is no posted, then post L-23 to fee income; otherwise, post to receivable account (Misc Fee Code 48).

850/858

300

Afterhours File Maintenance Function

301

ATM - Automated Teller Machine (Online)

302

POS - Point of Sale (Online)

303

Deposit Account Service Charge

304

Interest Posting

305

ACH - Automate Clearing House

306

Inclearing Checks

307

Proof Transactions

309

Check Charges

310

Update to Dormant or Inactive

311

Update Rate Tables

312

Update Tier Tables

313

Roll Rates on Accounts

314

Batch ATM Transaction (Via ACH)

315

Online Administrative Generated Fees

316

Batch POS Transactions (Via ACH)

317

Update at Grace Period Expiration

318

Update Accounts at Maturity

319

Teller Signoff Batch

320

Update Uncollected Funds

321

Deposit Automatic Loan Payments

322

Close Dormant Account - Balance Gone

323

Sweep Account Processing

324

Update Tiered Rates on Account

325

Automatic Deposit from Inhouse Source

326

Automatic Withdrawal to Inhouse Destination

327

Bill Paying (By Check)

328

Retirement Distribution (By Check)

329

Reset Cycled Totals

330

Reset Monthly Totals

331

Reset Yearly Totals

332

Reset CDT Yearly Totals

333

Withdrawal of Interest (By Check)

334

Update APY Field

335

Update to Next Product Function

336

Drop Expired Payment Record

337

Bonus Rate Expiration Processing

338

Required Minimum Distribution Processing

339

Retirement Service Charges

340

Automatic Deposit from External Source

341

Automatic Withdrawal to External Destination

342

Bill Paying to Inhouse Destination

343

Bill Paying (Outbound ACH)

344

Retirement Distribution to Inhouse Destination

345

Retirement Distribution (Outbound ACH)

346

Reset Fiscal Year to Date Totals

347

G/L Transaction From GOLDTrak Loan Funding

348

Clear Teller Statistic Fields at End of Week, Month or Year

349

Drop Expired ACH Records

350

Payroll

351

Contract Collections

352

Custodial PI (Principal)

353

Custodial SU (Subsidy)

354

Custodial TI (Reserves)

355

General Ledger Items from Remote Sites

356

After Hours Overdraft Transfer

357

Transfer of Interest by ACH

358

Rate and Term Schedule Rolls

359

Expire Monetary Holds

360

Expire Hold/Action Codes

361

Expire ACH Stops

362

Card Overdraft Transfer

363

Account Analysis Service Charge

364

Combined Analysis Service Charge

365

Bill Payer To Mastercard

366

Batch Debit Card Signature Transactions

367

External Internet Transaction

373

Next Day Deposit Account Service Charge

374

Wire Transfers

375

Self Deposit Box Fee

376

E-ACH Offset Posting

377

CDT Check Draft

378

ACH - Mastercard Mapp Advance

379

Online Debit Card

380

Fiserve Securities ACH - IRA

381

Force Loan Autopay

600

382

Accounts Payable Internal ACH

383

Clearing Negative Date on Overdraft Codes 8, 9, 10

385

Account Analysis Default Update

405

Paid-Rejected ACH

406

Paid-Rejected Inclearings

407

Paid-Rejected Proof

409

Paid-Rejected Check Charges

414

Paid-Rejected ATM

416

Paid-Rejected POS

466

Paid-Batch Debit Card Signature Transactions

476

Internal e-ACH Reject - Posted

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

481

Paid-Force Loan Autopay

486

External e-ACH Reject - Posted to Receiver’s Account

Post D-3 Net Journal to the ACH Clearing Account; No Post (NP) automatic offset O-3 Net Journal and O-4 Tran Amount for tran code 1811-1812.

505

Returned-Rejected ACH

506

Returned-Rejected Inclearings

531

ACH Payment Correction - ACH Rejected

This TORC is when a payment is rejected through ACH and automatically reversed off the account. You can view the reversals on the Loans > Reports > ACH Returned Payments screen. Note: Your institution must be set up appropriately to have payments automatically reversed when we receive an ACH reject transmission from your bank. Not every institution currently does this.

The G/L account set up for this TORC on the GOLD Services > General Ledger > Account Parameters screen should be an L-3 with offsetting O-3 to an ACH clearing account.

588, 608

576

Internal e-ACH Reject - Reversed back to Originator’s Account

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 .

579

ACH Loan Retraction, ACH Reject

This TORC is when a loan is funded directly into a customer’s preferred checking or savings account, and that funding is rejected by the ACH system because the routing number or checking account is not found. (ACH return codes R02, Account Closed; R03, No Account; etc.). You can view the loan funding reversals on the Loans > Reports > ACH Returned Payments screen. Very few institutions currently do this, so this TORC is very rare.

The G/L account set up for this TORC on the GOLD Services > General Ledger > Account Parameters screen should be an L-3 to an ACH clearing account.

688

586

External e-ACH Returned - Reversed back to Originator’s Account

Post D-3 Net Journal to the ACH Rejects Account; No Post (NP) automatic offset O-3 Net Journal and O-4 Tran Amount for tran code 1811-1812.

605

Originated Return-Check

Posts L-3 and O-3 to ACH clearing account.

588, 608

606

Originated Return-Check

608

Gem-Charge Backs

705

POP Line-of-Credit Check Reject - Paid

This is the point-of-purchase line-of-credit check that originally came in as a deposit ACH item (External Event #1 and #2, tran code 1130, TORC 305), rejected, and then was paid from GEM as a loan item (tran code 500, TORC 705).

Post L-3 net journal to the ACH reject clearing account (see External Event #2). No post (NP) O-3 net journal and O-4 tran amount for tran codes 1811/1812.

500

706

Line-of-Credit Check Reject - Paid

This is the line-of-credit check that originally came in as a deposit inclearing item (External Event #3 and #4, tran code 1130, TORC 305), rejected, and then was paid from GEM as a loan item (tran code 500, TORC 706).

Post L-3 net journal to the inclearing reject clearing account (see External Event #4). No post (NP) O-3 net journal and O-4 tran amount for tran codes 1811/1812.

500

707

Loan Proof Exception–Paid

Post L-3 net journal to the loan proof reject clearing (see External Event #14) and no post (NP) O-3 net journal and O-4 tran amt for tran code 1811-1812.

731

Auto Payment - Reject Paid

Post L-3 net journal to the Teller Journal Clearing account and no post (NP) O-3 and O-4 for tran code 1811-1812.

608, 518, 508

733

Loan Payment from Lockbox Exception – Paid

Post L-3 net journal to the lock box clearing and no post (NP) O-3 net journal and O-4 tran amt for tran code 1811-1812.

739

Rejected Loan ACH Transaction–Paid

Post L-3 net journal to the incoming loan ACH payment reject clearing (seeExternal Event #20) and no post (NP) O-3 and O-4 for tran code 1811-1812.

600, 510, 500

742

Convert LOC to IB

LOC loan converted to IB in the afterhours if draw period or credit limit has been met

2741-02

771

One-Time Scheduled Payment - Reject Paid

Reversal of a one-time scheduled ACH payment that has already posted to the account. Posts an L-3 to the same G/L account as the one set up for TORC 70 (one-time external payment – onus routing number) or 71 (one-time external payment).

588, 608, 858 (with adjoining 608)

782

Rejected Loan Line-of-Credit Check–Paid

Post L-3 net journal to the line-of-credit reject clearing (see External Event #18) and no post (NP) O-3 and O-4 for tran code 1811-1812.

500

808

Loan Chargeback from GOLD ExceptionManager (GEM)

If the institution uses GEM to chargeback NSF checks returned from the local bank, post L-3 to the local bank G/L account. If the institution uses GEM to charge back items returned via ACH, then post L-3 to the rejected ACH G/L account. (See External Event #2.)

Note: Remember to No Post (NP) O-3 Net Journal and O-4 Tran Amt for tran code 1812, TORC 808.

608, 1812

839

Rejected Loan ACH Transaction – Returned

Post O-3 to the Rejected Loan ACH Transaction account (see External Event #20).

Post O-4 to the Total Loan ACH Transaction account (see External Event #19).

1881/1882

882

Rejected Loan Line-of-Credit Check – Returned

Post O-3 to the Rejected Loan Line-of-Credit account (see External Event #18).

Post O-4 to the Total Loan Line-of-Credit account (see External Event #17).

1881/1882

888

Amortization of Deferred Discount from Griffin Kubik Securities Processing

Uses Amount Field L-3.  Normally posted to an income statement G/L.

70

888

Amortization of Deferred Discount from Griffin Kubik Securities Processing

Uses Amount Field L-3.  Normally posted to an income statement G/L.

80

888

Loan Payment from Griffin Kubik Securities Processing

Uses Amount Field L-3.  Normally posted to the external bank account G/L that Griffin Kubik would increase.

690

939

Originated Return — ACH Loan Transaction

Transaction from Loan account (tran code 608 or 508):

Post L-3 to Total ACH account (see External Event #19).  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.

608, 508

982

Originated Return – Loan Line-of-Credit Check

Transaction from Loan account (tran code 508):

Post L-3 to Total Loan Line-of-Credit account (see External Event #17). 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 Line-of-Credit account. Post O-4 to Total Loan Line-of-Credit account.

508

999

GOLDPoint Adjustment Function Processing