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External Accounts Screen

Navigation:  Internet and Phone Systems > Internet and Phone Systems Screens >

External Accounts Screen

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Use this screen to view and edit a list of external accounts that can be used by customers to make loan payments. Once these external accounts are set up, they can be used by customers through your institution's website. These external accounts can also be used for EZPay payments, recurring payments, and one-time ACH payments. This screen can be accessed from several locations in CIM GOLD (see below for more information).

 

hmtoggle_arrow1CIM locations to access this screen

 

The list view on this screen displays all external accounts that have been previously set up for the customer. This list view displays the Nickname and Routing/Account numbers of each account, as well as the account's Status (Verified, Pending (not yet verified), Inactive, or Restricted). Verified accounts are accounts with legitimate numbers that have been verified by the customer.

 

Select an account in this list view to see its details in the fields on this screen. The Nickname, Owner, Restricted, and Inactive fields can then be edited for the selected account. For further information about the fields on this screen, see the External Account fields help topic.

 

Internet and Phone Systems > External Accounts Screen

Internet and Phone Systems > External Accounts Screen

 

Information can be added to this screen automatically or manually. See below for more information.

 

hmtoggle_arrow1Automatic external account setup

 

hmtoggle_arrow1Manual external account setup

 

External account record retention periods can be set for your institution on the Deposits > Definitions > System History Retention screen.

 

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Note: Institution Option UBRA enables your institution to respond to each Notice of Change received for all ACH payment types (CIM GOLD, Web, or GOLDPhone). Institutions receive Notices of Change when a customer receives a new account or routing number, making their old account or routing number invalid. This new option ensures that payments made using invalid account and routing number combinations are not processed. This option affects EZPay, GOLDPhone, CIM GOLD, and the Web.

 

To enable your institution to respond to Notices of Change, the Invalid Accounts tab is available on the Payment Information screen. The Invalid Accounts tab gives your institution the ability to store all invalid account and routing number combinations received through Notices of Change. This new tab also displays a list view that allows the user to add, update, delete, and mark records as inactive. Note: The Invalid Accounts tab is displayed only if Institution Option UBRA is set for your institution.

 

Once an account and routing number combination has been added to the Invalid Accounts tab, the system registers an error whenever an ACH payment is attempted using the combination and does not allow the payment to be processed. The system validates all ACH payment requests (via the Payment Information screen, EZPay, the Web, or GOLDPhone) using the information entered on the Invalid Accounts tab. The system also ensures that all account and routing number combinations entered are valid and sends an error when an invalid combination is entered, as shown below.

 

extaccts_invalidaccterror

 

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Record Identification: The fields on this screen are stored in the FPEA record (External Payment Account). You can run reports for this record through GOLDMiner or GOLDWriter. See FPEA in the Mnemonic Dictionary for a list of all available fields in this record. Also see field descriptions in this help manual for mnemonics to include in reports.

 

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