ATM/Debit Service Charge Config (2)

Screen ID:	UPANSCG-02
Screen Title:	ATM/Debit Service Charge Definition
Panel ID:	3362
Tool Number:	152 or 236
		Click here to magnify

Access this screen through the first service charge group screen. Depending on how the first screen was accessed, this is either a view-only or update screen.

This second screen is used to define the transaction charges for this service charge group. There are two ways that you can configure service charges:

By Tran Type

Depending on the type of transaction, you may wish to charge members only after a certain number of free uses. For example, members might be charged $1.00 for each withdrawal after 4 free each month. The system tracks each transaction type separately and charges for transactions after all free uses have been used for that transaction type. The counters are reset each month.

Combined Usage

With this method, the system will track a combined count of all transaction types you specify, and charge a per transaction fee after a specified number of free uses per month. For example, you may want to charge members only after they have made a combined total of 10 transactions for the month, including deposits, withdrawals and transfers.

Enter a description, select the desired Charge type, and complete the fields for the configuration you selected. (If data is entered into both configurations, an error message will appear.) When done, use Enter to record the changes and return to the previous screen.

If necessary, use Delete (F16) to delete the entire service charge group. Each ATM/Debit account which used this service group must be manually changed to an existing group in order to assess service charges against these accounts.

Field Descriptions

Field Name	Description
Transaction Description	Enter the transaction description that should be used whenever this service charge is posted to a member's account. (This is also displayed as the description in the list of configured service charge groups on the previous screen.)
Service charge type	Choose one of the following codes to indicate how fees should be charged: By Transaction Type (T) - to set up the number of free uses and per transaction charge for each type of transaction separately. If using this type, complete the fields under By Tran Type described below. Combined Usage (C) - to track combined transactions, and set the number of free uses and per transaction charge based on the total number of all transaction types. If using this type, complete the fields under Combined Usage described below.
Transactions to Include	Use this field to select which transactions to include in the service charge, between POS, ATM, or both.
Include PINless PIN transactions	This field determines whether or not to charge members for PIN transactions that may not have used a PIN. When setting up the service charge group, select to exclude PINless PIN transactions from the PIN transaction count, and any transaction received that fits the PINless PIN criteria will be excluded. For research purposes, the transactions will be notated in the Transaction Activity screen by an identifier of “PNL” in the Network ID field. If your credit union charges a fee for denials, the fee will be assessed regardless of if it is a PINless pin transaction or not. NOTE: Whether or not your credit union will receive and catalogue these types of transactions is dependent on the vendor associated with the program. Currently, credit unions using vendors FIS or Metavante will not receive these types of transactions, but may in the future.
Per Transaction Type This section shows a list of the types of transactions that may be allowed for your ATM/Debit Card users. As each card is set up, individual transaction types can be allowed or prohibited when setting up that specific card record. Use these fields only if “By Transaction Type” was entered in the Charge field.
Free Uses Per Month	The total number of times that a transaction type can be performed each month without incurring a charge.
Per Transaction Charge	Enter a fee for each transaction type. This fee will be charged to the member's account after all free transactions (if any) have been used. Enter dollar and cents. If no fee should be charged, leave the field at zero.
Combined Usage Use these fields only if “Combined” was entered in the Charge field.
Include in Count/Fee?	Use this field to indicate which transaction types should be included when the system tracks total number of uses per month (Y=Yes, N=No). This field also indicates which transactions will incur a fee once the free uses are exhausted. For example, if you want to charge members after they have made a combined total of 10 deposits, withdrawals and transfers for the month, use “Y” in this field for those three transaction types. Enter “N” in all remaining transaction types and they will not be included in the total nor will they incur a fee.
Free Uses Per Month	The total number of times that a combination of all included transaction types can be performed each month without incurring a charge.
Per Transaction Charge	Enter a per transaction fee. This fee will be charged to the member's account after all free transactions (if any) have been used. Enter dollar and cents.