Field

Description

Amount

Mnemonic: DMMHAM

Use these fields to indicate the dollar amount of each monetary hold on the customer account. Once a hold is set up on this tab, the system will not allow the customer account balance to be drawn to less than the total amount of all monetary holds (as shown in the Total field). This safeguard can be overridden depending on the user's transaction condition override level. All holds placed by ATM or debit card purchase authorizations are added together into one daily amount that displays in this field.

Description

Mnemonic: DMMHDS

Use these fields to indicate a reason or description for each corresponding monetary hold on the customer account. For holds placed by ATM or debit card purchase authorizations, this field will contain the acronym "POS*" followed by the last ATM address or merchant name entered for that day.

Expiration Date

Mnemonic: DMMHEX

Use these fields to indicate the date each corresponding monetary hold amount will expire. If this field is left blank, the corresponding hold will never expire.

To control the expiration of holds placed by ATM or debit card purchase authorizations, Institution Option MHLD (number of days monetary holds for POS authorizations) can be used. This option can only be used if GOLDPoint Systems is not processing the match-and-hold feature for your institution. Otherwise, holds placed by ATM or debit card purchase authorizations will never be dropped by the system.

The expiration date for monetary holds is normally calculated on business days. However, Institution Option OPTN - CDAH (Use calendar days for POS money authorization $$ holds) allows the calculation of expiration dates to include weekends and holidays.

Total

Mnemonic: N/A

The total dollar value of all of monetary hold Amounts set up on the customer account.

Payable Balance

Mnemonic: WKPYBL

The customer account's Payable Balance from the Deposits > Account Information > Account Information screen.