ACH Distribution Maintenance – Detail

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ACH Distribution Maintenance


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This screen appears when you select an item on the ACH Distribution Listing screen and use "Change" or "View". It will also appear when adding a new ACH record manually.

Check out the video related to this topic: Adding an ACH Distribution Record (More videos below!)

Helpful Resources

Learn how to place a stop pay on ACH distribution.

Screen Overview

This screen is used to update the details for an individual ACH distribution item, including the base (sequence 99) record and any subsequent distributions to other member accounts. These records tell the system where funds should be distributed (or withdrawn) when the transaction is received via ACH. A single ACH deposit transaction can be distributed (split) among a maximum of 98 different member accounts (not including the base account where funds are initially deposited).

Each time the ACH debit is posted, a record will be added to your A/P vendor payment history along with all your other payments via checks. For the ACH items, the check/voucher # will be blank, and the invoice # field will be used to record the tracer # from the incoming ACH item. The item description will show “ACH/company name” using the company name from the incoming ACH item.

Complete all fields (see “Field Descriptions” below for important tips), pressing Enter as needed to verify your entries. When ready, use Add/Update (F5) to save all changes and return to the previous screen.

Changing Posting Sequence

The Post sequence # field can be used to change the order in which distributions will be posted. (The base 99 record cannot be changed.) To change the sequence of an existing distribution, simply enter the new post sequence number (from 01 to 98) here. When the record is saved, all remaining distributions will be renumbered automatically.

Special Notes

Field Descriptions

Field Name


Post sequence #

This sequential number defines the order in which distributions will be posted to member accounts. The system will attempt to satisfy the distributions in sequence number order (1 to 98) until all funds from the incoming deposit are gone.

To change the sequence of an existing distribution, simply enter the new post sequence number (from 01 to 98) here. When the record is saved, all remaining distributions will be renumbered automatically.

  • Sequence 99 (the base record) cannot be re-sequenced.

Account or GL #

For each distribution to be made, enter the member's nine-digit account base in this field.

If a distribution code of GC or GD is entered for posting to a General Ledger account, this field will be interpreted as the G/L account number and must be a valid G/L account, entered as follows:


Ex: 014037011  (Corp 01, Branch 40, GL Account 370-11)

Acct type

For each distribution to be made, enter the three-digit account type (suffix).

  • This field should be left blank for a GL distribution.

Depositor ID

The depositor ID from the original ACH item.

Distribution type

For normal distributions such as deposits, withdrawals and payments, enter a valid alphabetic Distribution Code to indicate the type of transaction being performed. Click the lookup button 3 to choose from a list of valid codes.

If the incoming transaction should be returned, whether because of a member request or any other reason, enter a valid numeric Return Distribution Code.

This field is required, and must correspond to the account type entered for that distribution. For example, if a share account type is entered, the distribution code for a loan payment (LC) will not be accepted.

  • IMPORTANT: There may be government regulations which stipulate that certain payroll funds can only be deposited in certain types of accounts such as shares and share drafts. Consult ACH regulations when distributing government payroll transactions.

For GL tran types, tie to history for vendor #

Use the lookup or enter a vendor number to flag this distribution with an AP vendor number. When the ACH Debit item comes in and is posted, a record will also be written out to the payment history for the vendor.

If already paying an ACH from a vendor, you can automatically this ACH debit to a vendor for historical tracking of a vendor payment.

Transaction amount

Enter amounts for those distributions that have fixed transaction amounts. For example, if the member wants $50 distributed to a Christmas Club account, enter 5000 as the transaction amount.

  • If the distribution is to a loan account (code LC), leave the amount field blank to use the regular scheduled payment amount (regardless of the delinquency status of the loan).

For the base record (99), the amount field must be 0.00 (will show as blank on this screen).

Start post date
End post date

(Available only when editing distributions 1-98 on incoming ACH deposits.) Use these fields if the member wants the distribution to happen for only a limited period of time, or wants to delay the start of the distribution until some point in the future. You can enter a start date, an end date, neither, or both.


  • The start date can be no more than 90 days into the future.

  • A start date of all zeros 00000000 means the distribution will begin immediately, the next time this ACH record is received.

  • An end date of all zeros 00000000 means the distribution will continue permanently.

  • Delete a date and the system will automatically fill the fields with all zeros.

  • Start/end dates relate to post dates, not the date the ACH item is received or its effective date. On occasion, an item may not post exactly on the date it is received or its effective post date. Also, if a distribution is marked to start as of payday on Friday, July 9, and the item happens to come in a little early and be posted on Thursday instead, the distribution won't start until the next time it is received.

Last maintained by

The Employee ID of the last person to make changes to this record.

Last maintenance date

The date on which changes were last made to this record.


Understanding Distribution Code Edits

One important component of an ACH distribution record relates to how the numeric ACH Transaction Code (22, 27, etc.) corresponds to the alphabetic Distribution Code used by CU*BASE (SD, LC, etc.). In the past, the system would check the account type for the base (sequence 99) distribution record and change the ACH Tran Code to match. Therefore, if the transaction originally used a Tran Code for a checking deposit, and a share account was entered as the base distribution, the system would change the Tran Code to the correct code for a share deposit instead. This caused many “Tran Code Mismatch” errors when incoming transactions were received and checked against the distribution master.

CU*BASE no longer cares whether the ACH Tran Code matches the Distribution Codes entered on the distribution record, as long as they aren't different from a debit or credit standpoint. CU*BASE will not allow a base distribution to be a deposit (credit) when the ACH Tran Code represents a debit. In other words, an item marked “SD” (share deposit) can be used with the ACH Tran Code for a share deposit or a checking deposit without problems.

In addition, the program that checks incoming ACH transactions no longer changes the Tran Code on the incoming ACH record to match the CU*BASE distribution master. If CU*BASE sees a Tran Code for either a share or checking deposit, and the distribution master record has an “SD” on the base distribution, the transaction will be processed without a Tran Code mismatch error or any modifications to the incoming record.

Additional Video Resources

Check out these additional video resources!

View more ACH-processing videos.

Visit the CU*BASE video library.




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