ACH Activity

The Account Information – ACH tab displays a summary of ACH activity for each member, including cleared debits and credits and all rejected and paid items for month-to-date, 3 months, 12 months and life-to-date. ACH items processed using the ACH Exception Items window appear on the Account Information – ACH tab.

ACH activity prior to installation of ACH NSF Fees and Notices will not be available. The Account Information – ACH tab maintains up to 2 years of history.

To access the Account Information – ACH tab, under Member Services on the Portico Explorer Bar, click Account Information. The Overview tab appears on top. Click the ACH tab. Locate the member using the search tool on the top menu bar. Select the down arrow to select the search method, then enter the search criteria. Select the green arrow or press ENTER to locate the member.

ACH

How do I? and Field Help

On the Account Information – ACH tab, you modify the ACH activity counters, access ACH stop pays or NSF/returns, and select the ACH savings and share draft accounts. The name of the joint member on the account appears in the Joint Name field.

The ACH Cleared Activity Counts group box displays the following information:

Field	Description
Month to Date	The total number of ACH credit items or debit items that have cleared the account during the current month. The count includes ACH items cleared by online and back-office processing. Length: 5 numeric
3 Month	The total number of ACH credit items or debit items that have cleared the account during the past three months. The three-month period does not include the current month. The count includes ACH items cleared by online and back-office processing. At month end, the system will reduce the count by the number of cleared ACH debits and credits for the oldest month and increase the count by the number specified in the Month to Date field.
12 Month	The total number of ACH credit items or debit items that have cleared the account during the past twelve months. The twelve-month period does not include the current month. The count includes ACH items cleared by online and back-office processing. Maintenance to this field also updates the 3 Month field. Length: 5 numeric
Life To Date	The total number of ACH credit items or debit items that have cleared the account during the life of the account. The count includes ACH items cleared by online and back-office processing. The system will reset this field to zero when the number of cleared items exceeds 99999. Length: 5 numeric

The ACH Rejected Activity Counts group box displays the following information:

Field	Description
Total Exceptions	The number of share draft exceptions that occurred during the current month, 3-month period, 12-month period, and life to date. At month end, the system will reduce the 3 month count by the number of items for the oldest month and increase the count by the number specified in the Month to Date field. The system will reset the Life to Date field to zero when the number of items exceeds 99999.
Returns	The number of share draft exception items that were not paid online or during back-office processing during the current month, 3-month period, 12-month period, and life to date. This field will only appear if the NSF Counters field is I – Per Item in the Share Draft section of the Credit Union Profile – Shares tab. At month end, the system will reduce the 3 month count by the number of items for the oldest month and increase the count by the number specified in the Month to Date field. The system will reset the Life to Date field to zero when the number of items exceeds 99999.
Paid Negative	The daily or per item number of share drafts paid against a negative balance during back-office processing and assigned an exception code of A3 or A4; or the daily or per item number of share drafts paid online with a non-return code that has N in the CTR field on the 450 Report Rules. If you delete a paid negative item from the ACH NSF/Return History tab, the system will decrease the Paid Negative counter. At month end, the system will reduce the 3 month count by the number of items for the oldest month and increase the count by the number specified in the Month to Date field. The system will reset the Life to Date field to zero when the number of items exceeds 99999.
Paid Uncollected	The daily or per item number of share drafts paid against uncollected funds during back-office processing and assigned an exception code of A2 or A5; or the daily or per item number of share drafts paid online with a non-return code that has U in the CTR field on the 450 Report Rules. If you delete a paid uncollected item from the ACH NSF/Return History tab, the system will decrease the Paid Uncollected counter. At month end, the system will reduce the 3 month count by the number of items for the oldest month and increase the count by the number specified in the Month to Date field. The system will reset the Life to Date field to zero when the number of items exceeds 99999.
Paid Miscellaneous	The daily or per item number of share drafts paid online without a non-return code, or paid online with a non-return code that has M in the CTR field on the 450 Report Rules. If you delete a paid miscellaneous item from the ACH NSF/Return History tab, the system will decrease the Paid Miscellaneous counter. At month end, the system will reduce the 3 month count by the number of items for the oldest month and increase the count by the number specified in the Month to Date field. The system will reset the Life to Date field to zero when the number of items exceeds 99999.
Paid Courtesy Pay	The daily or per item number of share drafts paid against the Courtesy Pay limit during back-office processing and assigned an exception code of CP, CO, CU or CA; or the daily or per item number of share drafts paid online with a non-return code that has C in the CTR field on the 450 Report Rules. If you delete a paid Courtesy Pay item from the ACH NSF/Return History tab, the system will decrease the Paid Courtesy Pay counter. At month end, the system will reduce the 3 month count by the number of items for the oldest month and increase the count by the number specified in the Month to Date field. The system will reset the Life to Date field to zero when the number of items exceeds 99999.

The CTR field on the 450 Report Rules lets you define how a paid item will be counted based on the non-return code.

If the non-return code is…	And the CTR field is… (system defaults)	Then, the paid item will appear in this field on the Shares – Activity tab and ACH tab
83	C	Paid Courtesy Pay
82	M	Paid Miscellaneous
80	N	Paid Negative
81	U	Paid Uncollected Funds

The ACH Origination Activity Counts group box allows you to track recurring ACH origination activity and same-day outgoing credits and debits.

Field	Description
Debits to Members	Previous Month: The total number of originated debits to the member for an outgoing credit for the previous month. This field is protected. Month to Date: The total number of originated debits to the member for an outgoing credit during the current month. The system will reset this counter to zero after month-end processing. This field is maintainable. Length: 5 numeric 3 Month: The total number of ACH originated debits to the member for the past three months. The three-month period does not include the current month. At month end, the system will reduce the count by the number of items originated for the oldest month and increase the count by the number specified in the Month to Date field. This field protected. 12 Month: The total number of ACH originated debits to the member for the past twelve months. The twelve month period does not include the current month. At month end, the system will reduce the count by the number originated for the oldest month and increase the count by the number specified in the Month to Date field. This field is maintainable. Maintenance to this field also updates the 3 Month field. Length: 5 numeric Life to Date: The life to date total number of ACH originated debits to the member. The number shown includes current month. The system will reset this field to zero when the number of cleared items exceeds 99999. This field is maintainable. Length: 5 numeric
Credits to Members	Previous Month: The total number of originated credits to the member for the previous month. This field is protected Month to Date: The total number of originated credits to the member during the current month. The system will reset this counter to zero after month end processing. This field is protected 3 Month: The total number of ACH originated credits to the member for the past three months. The three-month period does not include the current month. At month end, the system will reduce the count by the number of items originated for the oldest month and increase the count by the number specified in the Month to Date field. This field is not maintainable. 12 Month: The total number of ACH originated credits for the past twelve months. The twelve-month period does not include the current month. At month end, the system will reduce the count by the number originated for the oldest month and increase the count by the number specified in the Month to Date field. This field is maintainable. Maintenance to this field also updates the 3 Month field. Length: 5 numeric Life to Date: The life to date total number of ACH originated credits to the member. The number shown includes current month. The system will reset this field to zero when the number of cleared items exceeds 99999. This field is maintainable. Length: 5 numeric
Same Day Debits	Previous Month: The total number of originated same day debits to the member for an outgoing credit for the previous month. This field is protected. Month to Date: The total number of originated same day debits to the member for an outgoing credit during the current month. The system will reset this counter to zero after month end processing. This field is maintainable. Length: 5 numeric 3 Month: The total number of ACH originated same day debits to the member for the past three months. The three-month period does not include the current month. At month end, the system will reduce the count by the number of items originated for the oldest month and increase the count by the number specified in the Month to Date field. This field is protected. 12 Month: The total number of ACH originated same day debits to the member for the past twelve months. The twelve-month period does not include the current month. At month end, the system will reduce the count by the number originated for the oldest month and increase the count by the number specified in the Month to Date field. This field is maintainable. Maintenance to this field also updates the 3 Month field. Length: 5 numeric Life to Date: The life to date total number of same day ACH originated debits to the member. The number shown includes current month. The system will reset this field to zero when the number of cleared items exceeds 99999. This field is maintainable. Length: 5 numeric
Same Day Credits	Previous Month: The total number of originated same day credits to the member for the prior month. This field is protected. Month to Date: The total number of originated same day credits to the member during the current month. The system will reset this counter to zero after month end processing. This field is maintainable. Length: 5 numeric 3 Month: The total number of ACH originated same day credits to the member for the past three months. The three-month period does not include the current month. At month end, the system will reduce the count by the number of items originated for the oldest month and increase the count by the number specified in the Month to Date field. This field is not maintainable. 12 Month: The total number of ACH originated same day credits for the past twelve months. The twelve-month period does not include the current month. At month end, the system will reduce the count by the number originated for the oldest month and increase the count by the number specified in the Month to Date field. This field is maintainable. Maintenance to this field also updates the 3 Month field. Length: 5 numeric Life to Date: The life to date total number of ACH originated same day credits to the member. The number shown includes current month. The system will reset this field to zero when the number of cleared items exceeds 99999. This field is maintainable. Length: 5 numeric

Select the ACH Cross Reference icon to display the ACH Cross Reference. Any cross reference records for the member will automatically appear or you can add a new record.

If the member has ACH stop pays, an ACH Stop Pay button will appear. Click the ACH Stop Pays icon button to display the ACH Stop Pays dialog box and view the list of ACH stop pays for the member. You can delete an ACH stop pay or add an ACH stop pay.

If the member has NSF/returns, an ACH NSF/Return button will appear. Click the ACH NSF icon button to display the ACH NSF Return History dialog box.

Complete the following fields to maintain the ACH account information.

Field	Description
Savings Account	Click the Savings Account down arrow and select the share account to use for ACH activity.
Draft Account	Click the Draft Account down arrow to select the share draft account to use for ACH activity.
Net Check	Select the Net Check check box to indicate if the member is on a net check payroll.

The Direct Deposit check box on the ACH tab is automatically selected when a deposit is processed on the member either through ACH or Payroll processing, or an ACH credit is posted on the ACH Exception Items window, and the deposit amount is equal to or greater than the amount specified in the Minimum Required Direct Deposit Amount field on the General Information section on the Credit Union Profile - Member tab. If another direct deposit is not processed within the number of days specified in the Direct Deposit Period field on the General Information section on the Credit Union Profile - Member tab, or if the deposit is less than the amount specified in the Minimum Required Direct Deposit Amount field, the system will clear the Direct Deposit check box on the ACH tab.

To specify a different minimum direct deposit amount for the member than the amount specified in the Minimum Required Direct Deposit Amount field on the General Information section on the Credit Union Profile - Member tab, select the Override Minimum check box. Then, enter a whole dollar amount from 0 to 99999 in the Minimum Direct Deposit field.

Click Save to save your changes. The Last Deposit Made On field indicates the date the last ACH deposit to the share or share draft account was made.

Click Cancel to disregard your changes.

If deposit hold options are set up for the ACH table, you can waive the holds and/or fees for the member by selecting the check boxes in the ACH Waive Holds and Fees group box.

Field	Description
ACH Waive Holds and Fees - Regular ACH Deposit Holds	If selected, standard ACH deposit holds will not apply for this member. Keyword: DI (Portico Host: 145) Reporting Analytics: Waive ACH Hold Flag (Member Information folder > Member Base query subject and Month-end Information > Member Month-end folder > ME Member Base query subject)
ACH Waive Holds and Fees - Origination Deposit Holds	If selected, Origination deposit holds will not apply for this member. Keyword: RH (Portico Host: 145) Reporting Analytics: Waive Originator Hold Flag (Member Information folder > Member Base query subject and Month-end Information > Member Month-end folder > ME Member Base query subject)
ACH Waive Holds and Fees - Remote Deposit Holds	If selected, Remote deposit holds will not apply for this member. Keyword: DR (Portico Host: 145) Reporting Analytics: Waive RDC Hold Flag (Member Information folder > Member Base query subject and Month-end Information > Member Month-end folder > ME Member Base query subject)
ACH Waive Holds and Fees - Remote Deposit Fees	If selected, Remote deposit fees will not apply for this member. Keyword: FI (Portico Host: 145) Reporting Analytics: Waive RDC Fee Flag (Member Information folder > Member Base query subject and Month-end Information > Member Month-end folder > ME Member Base query subject)

Related Reports: Non-Financial Transaction Register Report 030 (if maintained)

Portico Host: 145, 488