Working Daily ACH Exceptions / Working ACH NSF/Returns

Screen ID:

Screen Title:

Panel Number:

Report Name:

UACHXC-01

Work with Daily ACH Exceptions/Work ACH NSF/Returns

3879

LACHXC

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Access this screen by selecting Tool #1875: Work Daily ACH Exceptions and Tool #1876: Work ACH NSF/Returns..

Check out the video related to this topic: Creating an NOC (More videos below!)

Helpful Resources

Learn how to complete tasks related to ACH distributions/records.

ACH Exception Handling: Overview and ACH Transaction Codes

ACH Return / NOC Codes and Common ACH Exceptions

ACH Return / NOC Codes

Common ACH Exceptions

Learn more about the handling of International ACH items that appear on this screen. NOTE: All IAT addendum items are run through an OFAC scan. Only IAT exceptions, including IATs that fail an OFAC scan, appear on this screen.

Screen Overview

This screen is accessed via two tools, Tool #1875 Work Daily ACH Exceptions and Tool #1876 Work ACH NSF/Returns. Via the second tool, you will work only NSF item. Via the first tool you will work all other ACH exceptions, including handling ACH items that could not post to member accounts for one reason or another, such as when CU*BASE could not find a member record to match the incoming ACH item.

This screen should be monitored on a daily basis to generate any necessary return or notification of change (NOC) records to be transmitted back through the ACH system.

CU*TIP: It is recommended that you work Tool #1875 first, and then work Tool #1876.
On the NSF version of this screen click "Return All" to return all NSF items on the screen.
Be sure to use "Print" from both versions of the screen to generate a list of ACH Exceptions for each specific tool.
The "Show only exception types" filter on Tool #1875 allows you to filter to show only certain types of exceptions. This is not on Tool #1876, since this is already filtered to show only NSF items.
You can toggle to view the Member Name instead of the ACH Name by using the Dsp Member Name/Disp ACH Name toggle (F11).
You can sort each column heading in a way that makes sense to you to work your exceptions. Upon exiting and returning to this tool, the sort will default to the original – simply select your column heading to sort again if you want a different order.

To view Return or NOC items already generated or to add a new Return or NOC record manually, use Return/NOC Maint (F10). The ACH Returns/NOCs Maintenance screen will appear. Then use Add Return (F5) or Add NOC (F6) on that screen.

CU*TIP: Your ability to access an ACH exception record will depend on where it is in the process: if it has already been marked as a return, it will no longer appear on the Exception list, but can still be viewed, modified or deleted using Return/NOC Maint (F10).

Codes in Reas Column

Code	Description
ACCT	The account number on the incoming item was not found
ACH	Error on Incoming ACH Item
BLCK	Account on block list (Biz Watch for ACH)
CLSD	The item tried to post to an account that was closed
DTH	Notification of death
FRZN	The item tried to post to an account which was frozen
G/L	Invalid G/L account number
LOAN	Unable to make 360 payment
LNRV	Manual post loan reversal
NSF	There were insufficient funds in the account to cover the item
OBAL	New current balance over limit
OFAC	International items that failed the automatic OFAC scan
PREN	Pre-notifications. Pre-notes that have invalid account numbers will also be included in this list, and will be colored in yellow to indicate they are zero-dollar transactions.
STOP	Suspected stop pay orders. SEE ALSO: CU*BASE Stop Pay Features
UNAU	Unauthorized items
UNCL	Uncollected funds (rarely used)

Options on this Screen

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(Not available on Tool #1876)

To view the details of a Stop Pay item, select the item on the list and use Stop Pay Comments to move to the Stop Pay Comments screen. (This option will only be active if the Code is 08.) Use this option to view the Stop Pay information entered when the Stop Pay was made, including check number, check amount, company name and comments.

For stop payment suspects, verify the stop payment comments to determine if the transaction should be returned or re-posted. For suspect stop payments, the Post option will allow the item to be posted after a decision is made. Stop payment hits will NOT be allowed to post through the Post option unless the stop payment record is removed from the member’s account.

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To delete an exception item without returning it, select the item in the list and then Delete. (You may delete a group of records at the same time by holding down the Ctrl key and clicking on additional items, then clicking Delete.) A window showing details about the item will appear as confirmation; use Delete (F16) to confirm the deletion.

IMPORTANT: Remember that if this item has a dollar amount, you will still need to post a manual account adjustment against your ACH Exception G/L account (870-11) to keep the account in balance. Select the item in the exception list and choose Account Adjustment (A) to access the Member Account Adjustment feature.

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To view or maintain the ACH Distribution record for any item, select an item in the list and then Distribution Maintenance to display the CU*BASE master ACH Distribution record for that item. If none is found, the master ACH Company record will appear so that a distribution record can be added manually. If no matching company is found, the main ACH inquiry screen will appear to allow for further research.

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To return an item, select the item in the list and then Return. (You may generate a batch of returns at the same time by holding down the Ctrl key and clicking on additional items, then clicking Return.) The ACH Return Entry screen will appear next. Simply enter a return code for that item, use Enter to save, then the back arrow to return to this screen or proceed to the next item that was marked.

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To make an account adjustment, select the item in the exception list and then Account Adjustment to access the Member Account Adjustment feature. Remember to update the secondary description with the Company Entry Description.

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To run an OFAC Scan on an International ACH Exception (IAT) item, select the item and then OFAC Scan. If an account is not associated with the item, a warning will appear since an account is needed to record the Audit Tracker created for each addendum item. If an account is associated, you will begin the scanning process and move to the Individual OFAC scan screen. Use Organizational Acct (F9) to move to the Organizational scan screen. The final screen will list the results of the scan. More about International ACH Transactions

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To generate a Notification of Change for an item, select the item in the list and then NOC. (You may generate a batch of NOCs at the same time by holding down the Ctrl key and clicking on additional items, then clicking NOC.) The ACH NOC Entry screen will appear next. Simply enter a change code and complete one or more of the change fields, use Enter to save, then F3-Backup to return to this screen so you can proceed to post or return this item.

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To access Member Inquiry and perform any needed research into member names and account numbers, select an item in the list and then Inquiry.

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To post an item, select and item from the listing and then Post.

The Post option will post an item only if there are funds available (will perform ODP transfers and use ANR limits as usual, if applicable). Please note that ANR fees will not be charged if you use this option. If you desire to charge an ANR fee, you will have to charge it using account adjustment. If you desire to bring an account negative below the negative balance limit for some reason, the item would still need to be posted manually through an account adjustment, unless you are using the negative balance override feature (described in the next paragraph). Remember that if posting via an account adjustment, the additional transaction description would still need to be added manually to the transaction for proper Reg E disclosure on statements. Refer to this topic for information on changing the transaction description.

If transaction overrides for ACH is activated in Teller Workflow Controls, you can use this option to perform a one-time transaction that takes the account negative. This override feature only applies to ACH repost and not the initial posting. First click the Trans Override button to access the Transaction Override screen and enter the account to open up the account to use this feature. The one-time ACH negative feature will only take the account negative up to the amount allowed by the configuration on the Teller Workflow Controls. The employee performing the override must have "Teller Override" checked in Employee Security: Special Security. While this feature takes into account secured funds, it does not consider negative balance limits and is separate from ANR. Additionally this override does not reverse any fees associated with the transaction. All override transactions are listed on the Transaction Override Report.

If you select multiple items from the Exceptions listing, CU*BASE will post them one at a time, working from the top item to the bottom item on the list. (For this reason, you may choose to run your credits first and your debits second since a member may receive an incoming transaction that will provide funds for an outgoing one.) If the item still can’t post for some reason, it will reappear on the Exceptions list.

IMPORTANT NOTES:

If a stop pay is a hard stop (check number) it will not post, but if it is a soft or suspect stop (amount) it will post when using Post. It is very important that you refer to your Stop Pay Comments by using Stop Pay Comments before posting any item with a Stop Pay associated with it.
For invalid transactions now linked to a correct account numbers, if you use the Post feature, CU*BASE will not show the item going in (debit) or out (credit/reversal) and will not charge a fee. However, you can use account adjustment to manually post these transactions.
The exception item will be deleted from the exception screen whenever an action is taken to resolve a monetary portion of the exception. If a change needs to be reported to the originator as an NOC, make sure to take the NOC feature before posting the transaction. This will eliminate the possibility of duplicating a return or post of an item. (If you use the account adjustment feature to post the item manually, you will still need to delete the record manually as CU*BASE will not be able to verify that the transaction will resolve the exception.
With the Post feature, all distributions will be posted automatically.
Between the time the original item came in as NSF and when you use the post feature to attempt a re-post, remember that the member’s account balance and/or negative balance limit could have changed (a deposit is made, the limit is changed manually or through some automated process, etc.), so the item might be able to clear. If the item posts because the member now has sufficient funds, the system will not refund the original NSF fee; if you want to refund that fee you must do so manually via an account adjustment. Likewise, if the item posts using the member’s negative balance (ANR) limit, the system will not charge your normal ANR fee; if you wish to charge that fee you must do so manually via an account adjustment.
If a business account or other membership has been added to the In-house Check/ACH Block List, incoming ACH debits will appear in the list with an 08 in the “Ty” type column. When the Post feature is used on one of these items, an error message will appear explaining that the account is blocked from clearing debits via ACH. Follow your credit union’s procedures to verify the item and post it manually via an account adjustment, according to the rules of your Positive Pay program. (Available on Tool #1875)

No receipts will print if you use this option, but you can verify that you are in balance using theGeneral Transactions Register Report. Refer to this screen for the way that you need to stage your screen to verify your results.

Handling IAT Transactions (International ACH Transactions)

Only International ACH Transactions that could not be processed appear on the ACH Exceptions Listing screen. They will be noted with an "Y" in the "I" column. The result of the OFAC scan are listed in the "O" column (P=Pass, F=Failed, and O=Overridden). IATs that pass an OFAC scan and can be posted are posted with when ACH postings are posted.

IATs may appear in this listing due to more than a failed OFAC scan. They may also appear for other reasons, such as a frozen account, stop payment, non-sufficient funds, or because the account is invalid. Select the IAT and use Inquiry to view the account detail to help make a decision on how to handle the IAT.
It is highly recommended that an account be associated with the transaction so that a Tracker conversation is recorded on the associated member’s Audit Tracker for each OFAC scan run. If an account is not associated with the item, a warning will appear since an account is needed to record the Audit Tracker created for each addendum item. If an account is associated, you will begin the scanning process and move to the Individual OFAC scan screen. Use Organizational Acct (F9) to move to the Organizational scan screen. The final screen will list the results of the OFAC scan.
It is highly recommended that you run and OFAC Scan on all of the addendum items of all IATs before posting them by using the OFAC option.
Where can I find a record of my failed International ACH Transactions (IATs)?

Buttons

Button	Description
Return All (F1)	(Only available on Tool #1876.) Use this to return all NSF items on the screen. A message will appear; after confirmation, all items in the list will be returned automatically using return code R01 (insufficient funds). NOTE: If any IAT items are in the list, a warning message will appear; if you proceed the system will return everything except IAT items so you can then scan them and return them individually.
Trans Override (F2)	If teller overrides for ACH is activated in Teller Workflow Controls, you may use the Transaction Override button to perform a one-time transaction that takes the account negative. This override feature only applies to ACH repost and not the initial posting. Click the Trans Override button to access the Override screen. Enter the account then perform the repost. This feature will only take the account negative up to the amount allowed by the configuration on the Teller Workflow Controls. The employee performing the override must have "Teller Override" checked in Employee Security: Special Security. While this feature takes into account secured funds, it does not consider negative balance limits. Additionally this override does not reverse any fees associated with the transaction. All override transactions are listed on the Transaction Override Report.
Return/NOC Maint (F10)	Use this to display the initial ACH Returns / NOCs Maintenance screen to view, modify or delete return and NOC records already generated.
Disp Member Name (F11)	Use this to view alternate view containing the Member Name instead of the ACH Name.
Print (F14)	Use this to print a report showing all of the exceptions on this screen, grouped and sub-totaled by effective post date.

Additional Video Resources

Check out these additional video resources!

View more ACH-processing videos.

Visit the CU*BASE video library.