Navigation:  Deposit Screens > Account Information Screen Group > Activity Information Screen > Deposit Activity tab >

Activity field group

Navigation:  Deposit Screens > Account Information Screen Group > Activity Information Screen > Deposit Activity tab >

Activity field group

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Use this field group to view and edit information about deposit activity on the customer account.

 

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The fields in this field group are as follows:

 

Field

Description

Last Deposit/Withdrawal Amount

 

Mnemonic: DMLDAM, DMLWAM

These fields display the most recent deposit and withdrawal amounts on the account. Interest posting is not considered a deposit.

Month-to-Date Deposits/Withdrawals/Interest

 

Mnemonic: DMMDDP, DMMDWD, DMMDIN

These fields display the current calendar month totals for deposits, withdrawals, and interest posting on the account. Interest posting is not considered a deposit. These fields are cleared each month during the month-end processing cycle.

Year-to-Date Deposits/Withdrawals/Interest

 

Mnemonic: DMCYDP, DMCYWD, DMIYTD

These fields display the current calendar year totals for deposits, withdrawals, and interest posting on the account. Interest posting is not considered a deposit. These fields are cleared each year during the year-end processing cycle.

Quarter-to-Date Withdrawal with Penalty

 

Mnemonic: DMQWDP

This field contains the total amount withdrawn from the customer account if it is a certificate account (the Certificate field on the Deposits > Account Information > Account Information screen is marked) during the current calendar quarter. If there is an amount in this field at the end of the quarter, the amount is entered on the Consolidated Maturity Rate (CMR) Report (FPSDR071) in the Early Withdrawals section. This field is cleared each calendar quarter.

Minimum Check Amount

 

Mnemonic: DMMNCA

Use this field to indicate the minimum check amount that may be withdrawn from the customer account. If a check for less than the value in this field is presented for withdrawal, it will be rejected.

Last Deposit/Withdrawal/Transaction/Contact/Active/Activity Type

 

Mnemonic: DMDTLD, DMDTLW, DMDTLT, DMDTCC, DMDTLA, DMTPLA

These fields display the date of the most recent deposit, withdrawal, and transaction performed on the account, the date of most recent contact with the customer, the date of the most recent activity on the account, and the type of activity performed (1 - Deposit or Withdrawal, 2 - File Maintenance, 3 - Backdated Deposit or Withdrawal, 5 - Interest Posting, 9 - No Activity Since Conversion to the System). Interest posting is not considered a deposit.

 

The Last Contact field is used to determine account dormancy status (see Date Dormant below). Open the link below for more information.

Date Opened/Closed/Dormant

 

Mnemonic: DMDTOP, DMDTCL, DMDTDM

These fields display the date of initial deposit on the account, the date the account was closed (if applicable), and the date the account was classified as dormant (if applicable). A customer account is considered dormant when the time length specified in the Term Until Dormant field (on the Deposits > Account Information > Additional Fields screen) has passed since the date entered in the Last Contact field (explained above). See below for more information about dormancy.

 

The customer account's dormancy status may affect whether transactions can be run, according to overrides found on the Deposits > Definitions > Transaction Options screen.

 

Dormant accounts appear on the Inactive/Dormant Accounts Report (FPSDR048).

 

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Note: Institution Option OP23 ICCC may affect whether an account goes dormant or inactive. This institution option causes this field to update to the present date each time a customer account receives a periodic interest check, which causes the customer account to stay out of dormant or inactive status. This only applies to customer accounts where interest is paid by check (The Interest Destination field on the Deposits > Account Information > Interest Fields screen reads either “1” or “11”).

 

This institution option will also keep the account from appearing on the Inactive/Dormant Accounts Report (FPSDR048).

 

If you would like to set this option for your institution, contact a GOLDPoint Systems customer service representative or send in a Support Request Form.

Last ACH/ATM Activity

 

Mnemonic: DMDACH, DMDATM

These fields display the date of the most recent ACH and ATM activity on the account.

Number of Negative Fees

 

Mnemonic: DM#NGF

This field contains the number of negative fees that were charged for the date specified in the Negative Fee Last Charged field (see below). A maximum possible value for this field can be set up using Institution Option NGLP. Once this limit is reached, no more charges will be assessed for the specified day's processing.

 

This field and the Negative Fee Last Charged field are valid only when Institution Option NGCH is active on the customer account. All negative charges processed through ATM, ACH, and after-hours transactions are included in calculating this field.

Negative Fee Last Charged

 

Mnemonic: DMNGLD

This field contains the most recent date a negative fee was charged to the customer account. All negative charges processed through ATM, ACH, and after-hours transactions will be included in calculating this field.

 

This field and the Number Of Negative Fees field (see above) are valid only when Institution Option NGCH is active on the customer account.

Opt-In/Opt-Out for Overdraft/Negative ATM/POS

 

Mnemonic: M2AMOD, M2OOOD

Use these fields to indicate whether the customer account opts in or out of overdraft services and fees (including negative limits for one-time transactions). Only one of these checkboxes can be marked at once. See below for more information.

 

Accounts not set with this option will not overdraft or use negative-limit funds for ATM or debit card transactions.

 

The Federal Reserve Board prohibits financial institutions from charging consumers fees or overdrafts on ATM and one-time debit card transactions unless the consumer consents (or opts in) to the overdraft service for those types of transactions. Before opting in, the consumer must be given literature that explains the financial institution’s overdraft services, including fees associated with the service and the consumer’s choices. These guidelines, along with a sample opt-in notice, are issued under Regulation E, which implements the Electronic Fund Transfer Act. The mandatory compliance date for these regulations was July 1, 2010. There are other CIM GOLD fields, reports, and options available to further help your institution comply with these regulations. To learn more about these CIM GOLD features, see the GOLDPoint Systems Programming for Regulation E help page.

 

To handle recurring debit card transactions, GOLDPoint Systems needs to rely on each of the third-party ATM processors. When the system processes a recurring debit card transaction that causes an overdraft, a fee will be charged on the transaction and in the daily negative balance fees.

 

When this field is changed, it will be reported on the Critical File Maintenance Report (FPSDR172) so that the institution can create the required notification letter for customers who opt in.

 

Overdraft features can be adjusted for individual customer accounts on the Deposits > Account Information > Overdraft & Secured Loans screen. For the transaction, institution, and CIM GOLD features that pertain to the use of the overdraft feature, see the Overdrafting Conditions and Options help page. In order to use the overdraft function on a customer account, the Overdraft field on the Deposits > Account Information > Account Information screen must be marked.

Date Opted-In/Out

 

Mnemonic: M2DTOI, M2DTOO

Use these fields to indicate the date the customer opted in for overdrafts as explained in the Opt-In for Overdraft/Negative ATM/POS field help above.

 

Overdraft features can be adjusted for individual customer accounts on the Deposits > Account Information > Overdraft & Secured Loans screen. For the transaction, institution, and CIM GOLD features that pertain to the use of the overdraft feature, see the Overdrafting Conditions and Options help page. In order to use the overdraft function on a customer account, the Overdraft field on the Deposits > Account Information > Account Information screen must be marked.

Last ATM/POS Took Account Negative

 

Mnemonic:  M2ATMN

This field indicates whether the last posted ATM or POS transaction took the customer account negative.

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