Share Draft Exception and Return Codes

Quick Links: Exception Codes|Return Codes

Exception Codes

The Exception Code field specifies the exception code assigned in the Portico back-office cycle that explains why the item was rejected or a paid exception. The valid options are:

01 - Missing member

02 - Insufficient share draft funds

03 - Missing/invalid share account

04 - Insufficient share balance for transfer

05 - Missing/invalid/delinquent loan. If the Add Interest Due to Loan Balance check box is selected on the Loan Profiles - Account Information tab, indicates no overdrafting (Portico Host: 962 Transaction - INTEREST field).

06 - Loan is over credit limit/draw per expired

07 - Share or loan not set up with draft ID

08 - Maximum of drafts exceeded this period

09 - No overdraft increment for this share type

10 - Missing/invalid overdraft share account

11 - Closed account, hold code 9 with date closed

12 - Funds held, hold codes 1 – 8 and 9 no date closed

13 - Member HSA segment not found

14 - HSA maximum contribution limit reached

15 - Invalid draft transaction code

17 - Member is dormant

21 - Non-numeric draft serial number

22 - Invalid date processed from bank

23 - Invalid date adjusted from bank

24 - Non-numeric draft amount

25 - Date adjusted prior to date processed

26 - Adjustment txn not sent in pairs

27 - Draft amount lower than minimum draft amount

28 - Numeric hold/deposited to low share *

29 - Maximum Reg D transactions exceeded

43 - Non-numeric draft trace number

54 - Invalid loan frequency

58 - Invalid interest paid to date

5H - Invalid loan due date

61 - Invalid share dividend method

62 - Invalid daily dividend date

63 - Invalid effective date

64 - Invalid avg daily bal for inquiry date

65 - Invalid avg daily bal fee date

98 - Draft matches online stop pay record or verbal stop pay

99 - Draft matches online certified record

A1 - The draft reject was added online using the New Return Item window.

A2 - The draft was paid against uncollected funds.

A3 - The draft posted in the AM pass of the back-office cycle.

A4 - The draft was paid by bringing the member's balance negative.

A5 -The draft was paid using a partial overdraft and uncollected funds.

A7 - The draft non-return was added online using the New Return Item window.

CP - The draft was paid against courtesy pay negative balance limit.

CO - The draft was paid using a combination of overdraft protection funds and courtesy pay negative balance limit.

CU - The draft was paid using a combination of uncollected funds and courtesy pay negative balance limit.

CA - The draft was paid using a combination of overdraft protection funds, uncollected funds, and courtesy pay negative balance limit.

FZ - The member account is frozen

OA - Overflow account balance

OI - Overflow loan interest

OU - Overflow avg daily balance fee

OV - Overflow avg daily balance inquiry

OX - Overflow dividend

When using the default return codes, the system will default the return code based on the exception code:

If the exception code is 98 or 99, the return code will be 54.
If the exception code is A1, the return code will be the return code from New Return Item window.
If the exception code is A2 or A5, the return code will be 81.
If the exception code is A3, the return code will be the code in the Return Code field in the Share Draft section on the Credit Union Profile - Shares tab.
If the exception code is CP, CO, CU, or CA, the return code will be 83.
If the exception code is everything else, the return code will be the code in the Return Code field in the Share Draft section on the Credit Union Profile - Shares tab.

Return Codes

Enter a return or non-return code in the Return Codes field. You can specify a default return or non-return code in the Return Code field in the Share Draft section on the Credit Union Profile - Shares tab (Portico Host: 902 Transaction - RTN CDE field). The valid options are:

Return Codes:

08 - Uncollected funds
11 - Insufficient funds. The item processor will not resend the draft.
12 - Restraining order
13 - Garnished account
27 - Fraudulent Item (Verify code is supported by share draft processor before returning item)
35 - Forged Signature (Verify code is supported by share draft processor before returning item)
51 - Insufficient funds
54 - Stop pay
55 - No account at credit union
56 - Closed account
58 - Referred to maker (Not valid for Travelers. Southwest Corp users must use code 08 for uncollected funds.)
59 - Request one photocopy (Chase and California Travelers)
60 - Advance notice stop pay (California Travelers) or fraud/forgery item (Southwest Corp)

The return code descriptions may be customized by your credit union using the Draft Return Exception Codes – List window, and may appear differently than in the online help and user documentation.

Non-Return Codes:

80 - Statement Message is FEE NEG DFT. The online history code is RN.
81 - Statement Message is FEE UNCOL FUNDS, followed by the share draft serial number. The online history code is UF.
82 - Statement Message is FEE MISC NON-RETURN, followed by the share draft serial number. The online history code is MI.
83 - Statement Message is FEE COURTSY PAY, followed by the share draft serial number. The online history code is NC.

When using the default return codes, the system will default the return code based on the exception code:

If the exception code is 98 or 99, the return code will be 54.
If the exception code is A1, the return code will be the return code from New Return Item window.
If the exception code is A2 or A5, the return code will be 81.
If the exception code is A3, the return code will be the code in the Return Code field in the Share Draft section on the Credit Union Profile - Shares tab.
If the exception code is CP, CO, CU, or CA, the return code will be 83.
If the exception code is everything else, the return code will be the code in the Return Code field in the Share Draft section on the Credit Union Profile - Shares tab.