Making a Deposit, Withdrawal, Payment or Transfer

When you successfully verify a guest member, the Transaction tab displays a Transaction Area for completing financial transactions and a list of the member’s accounts. You can customize the Transaction Area using the Transaction Definition window and the master codes assigned to Shared Service Center processing.

To verify a member using the Documents Presented as ID dialog box, click the Documents Presented as ID icon on the Transactions tab.

The Transaction Area lets you complete a deposit, withdrawal, payment and/or transfer for a guest member.

Column Heading	Description
From Product	The source of the funds (checks received, cash received, share withdrawal, share draft withdrawal, etc.).
From Amount	The amount of the deposit, withdrawal, payment, loan advance, or transfer.
From Functions	For checks received, the check hold type and check hold days appears. For a share withdrawal, the share type will appear. For a loan advance, the loan note number will appear
CR/CL...	Depending on the From Product selected, the ... button can change to CR, CL, or GL. If you selected cash, the Cash Received dialog box will pop up automatically when the cursor is in the From Amount column. You can also access the Cash Received dialog box by clicking the CR button in the transaction area grid. You can activate the Cash Received dialog box on the User Profile – Popups tab. If you selected check, the Check Log dialog box will pop up automatically when the cursor is in the From Amount column. You can also access the Check Log dialog box by clicking the CL button in the transaction area grid. You can activate the Check Log dialog box on the User Profile – Popups tab. The Check Endorsement tab will automatically print an endorsement on checks presented for deposit by a guest member. The check can be endorsed at the time of the transaction or later; however, you must manually insert the checks in the printer. The Check Endorsement field in the Service Center Options section on the Credit Union Profile - Self Service tab must specify I or Q. Select the Send MICR check box to click the ... button on the CR Checks Received row and open the SSC Check Information dialog box. The SSC Check Information dialog box lets you record MICR information on checks received. If the guest member is withdrawing funds from a share draft account for check cashing purposes, select the Check Cashing W/D check box in the Options group box and enter the check number in the Chk Nbr field. If the guest member presents a check from their own participating issuer credit union account, select the Member’s Own Acct check box in the Options group box.
To Product	The product the funds are going to (cash disbursed, credit union check, cashiers check, share deposit, share draft deposit, loan payment, etc.). Portico identifies cash and check amounts separately on the Shared Service Center Settled Activity Report 924. You can use the 924 Report to identify large cash transactions and determine if a Currency Transaction Report (CTR) is required.
To Amount	The deposit amount, loan payment amount, fee amount, etc. Length: 10 numeric.
To Functions	For a share deposit, the share type will appear. For a loan payment, the loan note number will appear. To assess a fee for the traveler's checks or money order, type Y in the Function column. Click the ... button to open the Transaction Fee dialog box. Adjust the From Information as needed to cover the fees.

When the total amount of the From Side product codes equals the total amount of the To Side product codes, click Submit to complete the transaction.

You can process a credit union to credit union transfer for a guest member using the following steps:

1. Verify the guest member with the "transfer-from" credit union.
2. Complete a share withdrawal to the product code by selecting the "transfer-from" share type on the From side of the transaction, and selecting the product code associated with master code GX on the To side.

3. When you click Submit, the funds will transferred to the general ledger account in the GL Account 1 field on the Product Code Information window until the transfer is complete.
4. Now, verify the guest member with the "transfer-to" credit union.
5. Complete a share deposit by selecting the product code associated with master code GX on the From side, and selecting the "transfer-to" share type on the To side of the transaction.

6. When you click Submit, the funds will transferred from the general ledger account to the guest member's account at the "transfer-to" Issuer credit union. The transfer will appear in the detailed section of the Shared Service Center Settled Activity Report 924 with a QUAL code of WTF/WTO/DTF/DTO for share withdrawals and share deposits, and ATF/ATO/PTF/PTO for loan advances and loan payments.

To complete a transfer to/from a member account at your credit union, you can select your credit union from the Issuer Credit Union drop-down list. Your credit union will appear in red in the Issuer Credit Union drop-down list. When the member number is entered, Portico will verify the account restrictions to determine if employee security should prevent the transaction. Only credit union to credit union transfers can be performed when you select your credit union from the Issuer Credit Union drop-down list.

If the withdrawal transaction posts and the deposit transaction fails, you must verify the guest member with the "transfer-from" Issuer credit union and reverse the withdrawal transaction.

If the system cannot establish communication with the guest member's credit union, select the Work Offline check box to process transactions offline in force post mode. When you select the Work Offline check box, the Force Post check box appears and is automatically selected to indicate that the transaction will be processed in force post mode.

If the system cannot establish communication with the guest member's credit union, select the Force Post check box to complete Shared Service Center transactions. For teller authorization purposes, the system considers the Portico Host SSC Transaction to be the SSF Transaction. If the issuer credit union has a limit set on the dollar value on offline transactions, the system will require that the teller use an override code to force post transactions.

You can reverse Shared Service Center transactions using the Reversal - Same Day Reversals tab.

Fields relating to Shared Service Center processing appear on the Credit Union Profile - Self Service tab and Credit Union Profile - Products and Services tab. Also, the acquirer credit union must use Expanded Teller Administration (Level field on the Credit Union Profile – Teller tab must specify 3). All issuer credit union information must be set up in the ISO tables before the issuer credit union will appear in the Issuer Credit Union drop-down list.

General Ledger Effects: Shared Service Center allows multiple financial transactions such as check withdrawals and deposits. Refer to the appropriate transaction online help for the general ledger effects.

Related Reports: Shared Service Center Settled Activity Report 924

Teller Balancing Effects: Shared Service Center allows multiple financial transactions such as check withdrawals and deposits. Refer to the appropriate transaction online help for the teller balancing effects.

Portico Host: SSV, SSC