ACH Distribution Maintenance - Distribution Listing
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Screen ID: Screen Title: Panel Number: |
UIACHD-07 ACH Distribution Maintenance 5826 |
This screen will appear when you select an ACH master record on the previous ACH Distribution Maintenance screen and then "Update" or "View."
Helpful Resources
Understanding ACH - Overview and Terminology
Screen Overview
This screen displays all distributions that are attached to this specific ACH master record.
At the top of the screen are the settings from the original ACH record, including the ACH Member Name entered by the originating company. Although this can be changed here, it is usually best to leave it as is so that it will match your ACH transaction reports.
The bottom of the screen lists the distribution records that control how this ACH record will be handled when it is posted. For incoming ACH withdrawals, only a single distribution record (called the “base” record) is shown. For incoming ACH deposits, up to 98 distribution records can be set up in addition to the base record.
Understanding Distribution Sequences
Sequence 99 is referred to as the “base” sequence. It functions as a cross-reference between the ACH record and CU*BASE member files, so that CU*BASE knows where to post the transaction. Therefore, even if the member does not wish to separate the funds into separate accounts, you may still need to edit the record to enter the exact account number to which the entire amount should be posted.
For example, a new incoming ACH item may cause a record to be created where the Depositor ID is 0084103601 but the actual CU*BASE account base is 000841036 with various account suffixes used for the distributions. This typically occurs because the account number used by the originating company is taken from a check stub or other source and does not always conform exactly to the system's account number format. In this case the base sequence record would need to be edited to use the proper account number.
For incoming deposits, this sequence represents the account to which the incoming money initially will be deposited, and where any leftover funds will remain after subsequent distributions are made.
Sequences 1 through 98 are referred to as “distribution” sequences because they represent where money will be deposited after being transferred out of the base account when the ACH item is posted.
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CU*TIP: It is for this reason that the account number used for the base 99 sequence must be an account where funds can be withdrawn. That is why no additional distributions are allowed on ACH records that deposit funds directly into a loan or a G/L account. (See the Detail screen for more information.)
The system will attempt to satisfy the distributions in sequence number order (1 to 98) until all funds from the incoming deposit are gone.
Sample ACH Distributions
Example 1 - Multiple Distributions
Mary A. Member (account # 2007) wants her incoming ACH payroll transaction distributed among three accounts:
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$188 payment on her husband's loan (2000-645)
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$50 to her Christmas Club account (2007-000), starting on August 1 through the end of the year
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Whatever is left over to her checking account (2007-110)
The distributions would appear on this screen as follows:
Notice the 0.00 dollar amount in the base (sequence 99) record. This setup allows CU*BASE to handle the item regardless of the amount on the incoming ACH transaction, which could be different each time it is received.
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CU*TIP: If the amount on the loan distribution was also left as 0.00, CU*BASE would automatically use the normal scheduled payment amount from the loan record.
Example 2 - Single Distribution
If Mary simply wanted all funds to stay in her checking account, the distribution would have only the base sequence, cross-referenced to her checking account number, as follows:
Adding or Modifying Distribution Settings
You can adjust the settings on any of the records shown in the list at the bottom of the screen. For the base (sequence 99) record, the most common adjustment is to modify the account number where the transaction will be posted. You can also rearrange the posting sequence numbers.
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To modify an existing base or distribution record, select it in the list and then "Change." (Or use "View" to see the distribution details without changing anything.)
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Distributions are re-sequenced using the Post sequence # field on the next screen.
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To add a new distribution (sequence 1-98), use F6-Add Dist.
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Distributions can be set up only on incoming deposits.
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To delete a distribution (sequence 1-98 only), select the item in the list and use the Delete Distribution option. One confirmation message will appear. All other distributions will automatically be re-sequenced as necessary.
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It is not possible to delete the sequence 99 distribution record on this screen. However, if you return to the previous screen you can delete the entire ACH master record, including all of its distributions. (Just remember that if that same item appears in a future ACH transmission, the master record will be recreated automatically by CU*BASE. A master record should generally be deleted only when no additional incoming transactions are expected.)
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To look up information on a particular account, select a record in the list and use the Inquiry option. The main Member Inquiry screen for that member will displayed, listing all of that member's accounts.
Buttons
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Buttons |
Description |
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Suspend (F4) |
Use this to suspend this master ACH record so that it will not be used by the system during the next transmission posting. The system marks the record with a status of “S” for suspended. The next time a transmission is received for this Depositor Account, the item will appear as an exception and will not post.
Return to this screen and use Suspend again to reactivate the distribution record. |
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Add Distribution (F6) |
Use this to add a new distribution record onto this master record. |
Additional Video Resources
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Check out these additional video resources! |
View more ACH-processing videos.
Visit the CU*BASE video library.