Deposit Reports > Deposit Reports - Numerical Order

Availability

This report must be processed daily. It provides detail of proof batches.

Purpose

The Proof Items for Posting Report groups all items in a transaction together and shows whether or not the transaction was in balance when it was transmitted to GOLDPoint Systems. This report is mainly a research tool used to trace transactions back to the individual paper items in a proof batch. Each transaction must be sent to GOLDPoint Systems in a specific order; first credits followed by debits. When the system finds the next credit, it assumes it is looking at the next transaction. Uncollected funds holds are placed based on a field attached to each check. The valid entries for the field are 0 - no hold, 1 - local hold, and 2 - non-local hold. The hold is placed on the first credit item’s account number. Any subsequent account credits will be ignored for uncollected funds.

1.Proof items for posting. This sort lists all parts of transactions in the order they are sent in the file.

2.Account number order. This sort lists General Ledger tickets, cash tickets, not-on-us checks, then account debit or credit tickets.

3.Amount order. This sort lists all transactions by amount starting with .01. General Ledger, cash tickets, loan coupons, deposit slips, etc. are all intermingled by dollar amount.

GOLDPoint Systems Only: The sorting and subtotal fields that may be used for this report are as follows:

80 Account number

81 Amount

The critical from field must be set to “1” to “4,” even when using sorting fields 80 and 81. These two sorts aid in research by sorting the proof items by the account number or by the transaction amount.

One miscellaneous option is used on this report. It is the left-most position of the 16th option. It is used to suppress the balancing of individual transactions. This option should always be set to “Y” when using either of the two sort fields mentioned above. This option should be off when not using a sort field.

Deposit Transactions in Proof Batches

Deposit transactions sent in proof batches do not post in the order they are sent. They are sorted by account number and then processed with other system and batch transactions. Proof transactions can be sent through with specific proof transaction codes that are designated as force posts. Check cashing and miscellaneous debit transactions are processed before other transactions. Transactions are sorted by a system-defined priority number within the transaction origination code (TORC). This list does not represent everything that is prioritized, but it does list all the monetary transactions applicable to this report.

Transaction	TORC	Priority	Description
1120	Proof 307	10	Account openings and deposits
1710	307	12	Interest postings
1780	307	14	Misc. credits
1220	307	16	Retirement contributions
1760	307	18	Prepaid retirement fees
1810	307	20	General Ledger credits
1540	307	22	Cash-out tickets
1200	307	24	Retirement account openings
1750	307	25	Misc. debits (force pay)
1400	307	26	Cashed checks (force pay)
1130	307	27	Withdrawals
1230	307	28	Retirement distributions
1700	307		Interest withholdings
1730	307		Interest withdrawals
1740	307		Interest penalties
1190	307	29	Account closings
1290	307		Retirement account closings
1550	307		Cash-in tickets
1810	ACH 305	30	General Ledger credits
1120	ATM 301	40	Deposit transactions
1120	POS 302	45	Deposit transactions
1120	316		Deposit transactions
1120	366		Deposit transactions
1950	ACH 305	48	Pre-notifications
1120	378	50	Master Card MAPP advances
1120	376		eACH batch offsets
1220	305		Retirement deposit transactions
1220	380		Fiserv EFT retirement deposit transactions
1120	309		Check order credits (up-charges)
1120	ATM 314		Batch deposit internal transactions
1120	CDT 325		Auto-deposit internal transfers
1220	325		Retirement auto deposit transfers
1120	340		Auto deposit external transfers
1220	340		Retirement auto deposit external transfers
1120/1220	P/R 350		GOLDPoint Systems payroll deposits
1120	LNS 351		Deposit custodial P/I credits
1120	352		Deposit custodial S/U credits
1120	353		Deposit custodial T/I credits
1400	CDT 377		OTC hold for check drafts Bill Payer
1130	ATM 301	100	Withdrawal transactions
1130	314		Withdrawal transactions
1130	POS 302	102	Withdrawal transactions
1130	316		Withdrawal transactions
1130	366		Withdrawal transactions
1800	ACH 305	128	General Ledger debits
1130	LNS 321	148	Automatic withdrawal transactions for loan payments
1130	381		Automatic withdrawal transactions for loan payments
1130	ACH 309	149	Check charges transactions
1130	305	150	Withdrawal transactions
1130	376		eACH offsets
1130	378		MasterCard MAPP debits
1230	305		Retirement withdrawal transactions
1230	380		Fiserv retirement withdrawal transactions
1130	CDT 326		Automatic internal withdrawal transactions
1130	341		Automatic external withdrawal transactions
1130	327		Bill payment by check transactions
1130	342		Bill payment internal transactions
1130	343		Bill payment external transactions
1130	365		Bill payment to MasterCard transactions
1230	328		Retirement distribution by check transactions
1230	344		Internal retirement distribution transactions
1230	345		External retirement distribution transactions
1130	LNS 352		Custodial P/I transactions
1130	353		Custodial S/U transactions
1130	354		Custodial T/I transactions
1130	INCL 306	160	Inclearing check withdrawal transactions
1790	BOX 375	199	Charge safe deposit box fees
1750	SER 303	200	Process service charges
1780	303		Process service charge credits
1750	339		Process retirement service charges

Loan Transactions in Proof Batches

Loan transactions sent in proof batches do not post in the order they are sent. They are sorted by account number and then processed with other system and batch transactions. Loan transactions are sorted by a system-defined priority number, not by the proof code. The list below generally represents monetary transactions applicable to this report, but may be different depending on which program is running.

Transaction	Priority	Description
680	5	New loan
520	10	Assess finance charges
600	15	Loan payment
601	15	Loan payment from partial
520	16	Assess finance charge after payment
510	20	First 510 credit field
510	20	Field credit to interest
518	23	First 518 credit field correction
510	25	Field credit to LIP balance
510	30	Field credit to LIP customer balance
510	35	Field credit to reserve 1
510	40	Field credit to reserve 2
510	45	Field credit to deferred interest
510	50	Field credit to partial payments
510	55	Field credit to deferred fees
510	60	Field credit to LIP interest
510	65	Field credit to subsidy balance
510	70	Field credit to miscellaneous funds
500	80	First 500 debit field
500	80	Field debit to interest
508	83	First 508 debit correction field
500	85	Field debit to LIP balance
500	90	Field debit to LIP customer balance
500	95	Field debit to reserve 1
500	100	Field debit to reserve 2
500	105	Field debit to deferred interest
500	110	Field debit to partial payment
500	115	Field debit to deferred fees
500	120	Field debit to LIP interest
500	125	Field debit to subsidy balance
500	130	Field debit to miscellaneous funds
430	140	LIP disbursement
550	145	Pay late charges
610	150	Pay interest on reserve 1
620	155	Pay interest on reserve 2
630	160	Pay interest on subsidy balance
440	165	Reserve 1 disbursement
640	170	Reserve 2 disbursement
510	172	Field credit to principal balance
650	175	Prepaid interest
658	178	Prepaid interest—correction
590	180	Charge interest
598	183	Charge interest—correction
540	185	Rule of 78s rebate
530	190	Accrue interest to today
80	195	Amortize deferred premiums
450	195	Amortize deferred fees
451	195	Amortize fees
460	195	Amortize commission
760	195	Amortize commission cost
350	195	Amortize dealer interest
70	200	Amortize deferred discount
420	200	Amortize deferred costs
490	200	Rebate commission
531	191	Amortize payment method 3 G/L interest
532	200	Amortize insurance finance charge
790	200	Rebate commission cost
570	205	Waive late charges
560	210	Assess late charges
660	210	Assess miscellaneous fee
580	220	Loan payoff transaction
830	221	Loan payoff transaction
500	232	Field debit to principal balance
535	235	Capitalize interest
590	252	Post LIP interest
840	255	Amortize deferred mortgage rights

Report Column Information

See FPSDR025 Example for an example of this report.

Column	Description
Seqnce Number	The sequence number is a number assigned by the system to each item in a proof batch. It represents the actual order in which the items were received by GOLDPoint Systems.
Proof Code	The proof code is a two-digit transaction code encoded on the MICR line of an individual item. There is a table in the Totals Provided section below that translates this proof code into the GOLDPoint Systems four-digit transaction code.
Tran Code	The tran code is the four-digit GOLDPoint Systems transaction code. It is derived from the proof code on the individual item.
Tr Md	This is the transaction modifier associated with the transaction code. The transaction modifier can be sent as an extension of the transaction code, a retirement modifier, a descriptor code on miscellaneous debits and credits, or a loan field amount number (e.g., 47 = principal, 62 = reserve).
Transaction Description	This is the description of the transaction.
Account Number	This is the account number associated with the transaction. It may be in the customer account format or a General Ledger account format, depending on which type of account the transaction is for. Some items, such as a check not on us, will not have anything in the Account Number field.
Transaction Amount	This is the amount of the item, which may be the amount posted to an account or a portion of the transaction.
Uncl Fnds	This is the uncollected funds indicator. The possible values here are blank for no uncollected funds, LOCL for a local hold, and NLCL for a non-local hold. The time periods for the local and non-local holds are determined by individual institution options (UDHD). The holds are passed as float numbers in the proof transmission and are assigned to the first deposit account credit item in the transaction.
Transaction Information	This column contains information about the transaction. For example, if an invalid proof code came on this item, a message would print showing that the program was unable to resolve this item. If the item were a check clearing on a customer account, a message would print showing the customer check number.
Tllr Nmbr	This is the number of the teller that submitted this item for proof of deposit. The teller number is generally preprinted on cash-in and cash-out tickets. This is for information only. All transactions resulting from proof transactions will be run as teller 9999 along with the other afterhours processing.
Trace Number	This is the trace number of the item in the transmission. It is assigned during the proof processing before the transmission comes to GOLDPoint Systems. This allows the tracing of an item back to the original paper item from which it was generated. When finding a particular transaction on the account or amount order report, you can use this trace number to find all the tickets that were processed with the item you are researching.

Totals Provided

The totals given for this report are the number and amount of the proof-of-deposit (POD) inclearings, the number and amount of the checks not on us, the debits and credits that resolved to transactions, the debits and credits that did not resolve to transactions, and the total debits and credits transmitted.

This table lists the proof and host transaction codes and the description of the transaction. These proof codes must be used for the transactions sent in the batch.

Proof Code - Credits	Tran Code	Description
30	1810	General Ledger credit
31	1120	Open deposit account
32	1120	Deposit
33	1710	Interest credit
34	1130	Withdrawal correction
35	1780	Miscellaneous credit (modifier)
36	1230	Retirement distribution correction (modifier)
37	1700	Federal withholding correction (modifier)
38	1740	Penalty correction
39	1730	Interest withdrawal correction
40	1540	Cash out
41	1220	Retirement contribution (modifier)
43	1190	Close correction
44	1290	Retirement close correction (modifier)
45	580	Loan payoff
46	830	Loan pay to zero
50	650	Prepaid interest
51	0438	LIP disbursement correction (modifier)
52	0600	Loan payment
53	0510	Loan field credit (modifier)
54	0550	Late charge paid
55	850	Pay loan fee
56	688	Open loan correction
57	0448	Reserve disbursement correction
58	0570	Late charge waive
59		Proof code credit transaction error (system-generated when proof is out of balance)

Proof Code - Debits	Tran Code	Description
00	1130	Withdrawal/Inclearing
60	1800	General Ledger debit
61	1400/02	On-us check (force pay)
62	1120	Deposit correction
63	1710	Interest credit correction
64	1130	Withdrawal
65	1750	Miscellaneous debit (force pay) (modifier)
66	1230	Retirement distribution (modifier)
67	1700	Federal withholding (modifier)
68	1740	Penalty withdrawal
69	1730	Interest withdrawal
70	1550	Cash in
71	1220	Retirement contribution correction (modifier)
72	1130	Inclearing checks
73	1190	Close deposit account
74	1290	Retirement close (modifier)
75	588	Loan pay-off correction
76	838	Loan pay-to-zero correction
79	868	Partial charge-off correction
80	0658	Prepaid interest correction
81	0430	LIP disbursement (modifier)
82	0680	Open loan
83	0500	Loan field debit (modifier)
84	0558	Late charge paid correction
85	858	Pay loan fee correction
86	608	Loan payment correction
87	0440	Reserve 1 disbursement (modifier)
88	0578	Late charge waive correction
99		Proof code debit transaction error (system-generated when proof is out of balance)

Bank Proof Record Layout

GOLDPoint Systems receives the POD transmission in the same way (record layout) as the standard Federal Reserve ACH format. The requirements for the record layout are detailed below:

fpsdr025layout

1.Record type = “6” (length - 1)

2.Transaction code = 2 digit proof code (length - 2)

3.Routing and transit number = 8 digits + 1 check digit (length = 9)

4.Account number (length 17 digits)

fpsdr025teller

Format to the General Ledger account number structure in General Ledger setup. Should be right justified with blanks (b) separating the account number structure.

fpsdr025account

Right justified with leading 0 or “b.”

•0 - Zero fill

•B - Branch

•A - Account number

•C - Check digit account number, cost center — General Ledger

•b - blank spaces

The 0 (zero fill) and the b (blanks) do not need to be encoded on the tickets. However, GOLDPoint Systems must receive them in the POD transmission. Work with your processor to determine how they will send this information.

5.Transaction amount (length - 10)

This field is right justified with 0 fill. This will need to be encoded by your processor.

6.Individual ID — (length - 15) (0 fill) — see Customer ID field information. GOLDPoint Systems uses this field for:

a.Transaction modifiers

These codes need to appear in layout positions 44 and 45.

b.Transaction descriptor

These codes need to appear in layout positions 44, 45, 46, and 47. (A modifier will not be used.)

c.Retirement distribution code

These codes need to appear in layout positions 46 and 47.

d.Inclearing on-us check — check numbers

This number needs to appear in layout positions 40-47. You will need to work with your processor on how to receive this in order to do proper encoding.

7.Individual name (length - 22) Four-digit teller number (positions 55-58) with 0 fill.

8.Discretionary data (length - 2) Used for uncollected funds indicator:

a.0 - No hold

b.01 - Local

c.02 - Non-local

These codes need to appear in layout position 77 and 78. Your processor must receive this field as 01 or 02. This field should only be sent on not-on-us checks. Your processor determines by the checks’ routing and transit numbers if the hold is local or non-local. The processor then assigns the code in this field. All not-on-us checks are assigned an uncollected funds hold.

9.Addendum record indicator — (length - 1) = 0

10.Trace number — (length - 15). Right justified, 0 fill. Your processor will encode this.

Customer ID Field

The Customer ID field, in the POD transmission, contains additional transaction information. This is used for retirements, Reg DD, check numbers, and transaction selection. The Customer ID field is position 40-54 (15 length) of the "6" detail record.

Format Breakdown

1.Inclearing checks — the check number — (position 40-47)

2.Transaction code modifier — (position 44, 45) — used with tran codes with multiple modifiers; for example, 1220 (open retirement account) and 1220/01 (open for prior year), etc.

3.Transaction descriptor — (position 44, 45, 46, 47) — modifier field not used with descriptor. This field is used for up to a 4-digit descriptor code to allow proper descriptions in history for miscellaneous debits and credits.

4.Retirement distribution code — (position 46, 47) — used with 44 and 45 as transaction code modifiers.

Proof Code Breakdown

Credits

•35 - Descriptors

•36 - Modifier and retirement distribution code

•37 - Modifier

•41 - Modifier

•44 - Modifier and retirement distribution code

Debits

•65 - Descriptors (force pay)

•66 - Modifier and retirement distribution code

•67 - Modifiers

•71 - Modifiers

•74 - Modifiers and retirement distribution code

•00 - Inclearing check

•61 - On-us check (force pay)

•72 - Inclearing check

Distribution Codes

The following is a list of proof IRA distribution codes by their corresponding IRS distribution codes. The valid types are:

•QUAL Qualified Plan

•ROTH Roth IRA

•ESA Coverdell Education IRA

•SIMP Simple IRA

Distribution Code	Proof Code	Description	Valid Type
1	01	Premature distribution	TRAD, SIMP, QUAL, ESA
2	05	Premature with exceptions	TRAD, SIMP, QUAL, ESA
3	09	Disability distribution	TRAD, SIMP, QUAL, ESA
4	13	Death distribution	TRAD, SIMP, QUAL, ESA
4A	14	Death/10-year distribution	QUAL
4G	34	Death/direct roll IRA	TRAD, SIMP, QUAL
5	43	Prohibited transactions	All IRA plans
5J	44	Prohibited/no exceptions	ROTH
7	17	Normal distribution	TRAD, SIMP, QUAL
7A	18	Normal distribution/10-year tax option	QUAL
8	21	Current year excess contribution	TRAD, SIMP, QUAL, ESA
81	45	Current year excess under 59 1/2	TRAD, SIMP, QUAL, ESA
82	46	Current year excess	TRAD, SIMP, QUAL, ESA
84	47	Current year excess/death	TRAD, SIMP, QUAL, ESA
8J	53	Current year excess/no exceptions	ROTH
10	32	Current year interest excess	All IRA plans
11	33	Prior year interest excess	All IRA plans
D	22	Prior year excess	TRAD, ROTH, ESA
D1	60	Prior year excess/premature	TRAD, SIMP, ESA
D2	61	Prior year excess/premature	TRAD, SIMP, ESA
D4	62	Prior year excess/premature	TRAD, SIMP, ESA
E	23	Excess additions	TRAD, ROTH, ESA
G	24	Direct rollover to IRA	TRAD, SIMP, QUAL
J	27	Early distribution from ROTH IRA, no known exception	ROTH
N	48	Recharacterized IRA contribution made for current year	TRAD, SIMP, ROTH
P	26	Prior year excess	TRAD, ROTH, ESA, QUAL
P1	50	Prior year excess under 59 1/2	TRAD, SIMP, QUAL
P2	51	Prior year excess	TRAD, SIMP, QUAL
P4	52	Prior year excess/death	TRAD, SIMP, QUAL
PJ	54	Prior year excess/no exception	ROTH
Q	64	Prior year excess/qualified ROTH	ROTH
R	39	Recharacterized IRA contribution for prior year	TRAD, SIMP, ROTH
S	31	Early distribution	SIMP
T	49	Roth IRA distribution exception	ROTH

Proof Items for Posting Report (FPSDR025)

Proof Items for Posting Report (FPSDR025)