Viewing Member Stop Pays

Select the Delete check box and click Save to delete a stop pay record.

Indicates if the amount, OFI, and/or company ID will be used to identify the ACH stop pay item. When adding a new stop pay, click the down arrow to select the stop pay indicator. The valid options are:

A - Stop pay based on all ACH items

C - Stop pay based on all credit items

D - Stop pay based on all debit items

1 - Stop pay based on the amount, company ID, and OFI

2 - Stop pay based on the amount and OFI

3 - Stop pay based on the amount only

4 - Stop pay based on the OFI only

5 - Stop pay based on the company ID and OFI

6 - Stop pay based on the company ID only

7 - Stop pay based on the amount or company ID or OFI

8 - Stop pay based on the company ID and amount

Keyword: SI

The share type that will be assessed a fee for the stop pay record. If this field is blank or 00, Portico will not assess a stop pay fee. This information appears on the ACH Stop Pay Fees Report 169. When adding a new stop pay, click the down arrow to select a share type and assess a stop pay fee. The stop pay fee amount and stop pay fee GL appear in the ACH Stop Payments section on the Credit Union Profile - ACH/Payroll tab.

Keyword: ST

The originator of the ACH transaction. The originator can be the credit union or the company sending the ACH item. (Found on 178 Report.) This field is required if the Stop Ind field is 1, 5, 6 or 7.

Length: 10 alphanumeric

Keyword: CI

The routing and transit number of the originating financial institution for an ACH transaction. (Found on 170 Report.) This field is required if the Stop Ind field is 1, 2, 4, 5 or 7.

Length: 8 numeric

Keyword: OR

The ACH stop pay item amount. The amount must be equal to or greater than zero. (Found on 170 Report.)

Length: 10 numeric including decimal

Keyword: AM

The date the stop pay record was added. This field is non-maintainable and defaults to the system date.

Keyword: DT

The date that the stop pay will be purged.

For stop code R-Revocation of authorization and S-One time stop pay record, Portico will leave the Expire Date field blank (12/31/9999) and select the Perm check box. The stop pay will not be purged. You must manually delete the stop pay.

For stop codeM-Recurring stop pay record, you can leave the Expire Date field blank, when you click Save, Portico will leave the Expire Date field blank (12/31/9999) and select the Perm check box. The stop pay will not be purged. You must manually delete the stop pay. If you enter a valid date or a valid date is present in the Expire Date field that is not blank (12/31/9999), Portico will purge the stop pay the morning of the expire date.

For stop code V-Verbal authorization, if written authorization is not received, the verbal stop pay request will purge 14 days after the stop date. For example: for a stop date of 1/1/2012, the stop pay will purge the morning of 1/15/2012.

Keyword: XD

Automatically selected when a stop payment is added. The stop pay record will not purge unless you select the Delete check box and click Save.

Indicates if the ACH stop pay record is a one-time stop pay or a revocation of authorization. This is a required field. When adding a new stop pay, click the down arrow to select R-Revocation of authorization, S-One time stop pay record, M- Recurring stop pay record, or V-Verbal authorization.

R-Revocation of authorization - The stop pay record will be considered a revocation of authorization when the member has withdrawn authorization by notifying the originating institution directly. When you click Save, Portico will leave the Expire Date field blank (12/31/9999) and select the Perm check box. The stop pay will not be purged. You must manually delete the stop pay. The first time the item is presented for payment, it will appear on the 170 and 263 Reports with the exception code R07 - Authorization Revocation. Thereafter, the item will appear on the reports with the exception code R10 - Customer Advises Not Authorized each time the item is presented for payment.

S-One time stop pay record - The stop pay record will remain on the ACH Stop Pays dialog box. When you click Save, Portico will leave the Expire Date field blank (12/31/9999) and select the Perm check box. The stop pay will not be purged. You must manually delete the stop pay. If the ACH item is presented for payment, the system will stop the item and include it on the 170 and 263 Reports with the exception code R08 - ACH Stop Pay. System default.

M-Recurring stop pay record - The stop pay record will remain on the ACH Stop Pays dialog box until it is manually deleted. You can leave the Expire Date field blank to default the date to 12/31/9999 in Portico or you can enter a valid date in the Expire Date field.

• If you leave the Expire Date field blank, when you click Save, Portico will leave the Expire Date field blank (12/31/9999) and select the Perm check box. The stop pay will not be purged. You must manually delete the stop pay.
• If you enter a valid date or a valid date is present in the Expire Date field that is not blank (12/31/9999), Portico will purge the stop pay the morning of the expire date.

V-Verbal authorization - The verbal authorization option allows you to temporarily identify an ACH stop pay as a verbal request. When written authorization is received from the member, you can change the stop code to the appropriate option. If written authorization is not received, the verbal stop pay request will purge 14 days after the stop date. For example: for a stop date of 1/1/2012, the stop pay will purge the morning of 1/15/2012.

The share type associated with the stop pay. When adding a new stop pay, click the down arrow to select the share type.

Account Analysis Members: If the share type specified is a regular share account, no tracking record will be created. If the share type specified is a share draft account, then a tracking record will be created. If you do not know the share type the stop pay is for, enter the member's Account Analysis master share draft account. The share type specified will be used to determine whether to assess a hard dollar fee at the time the stop pay record is set up or to defer the fee for consideration in Account Analysis. If a hard dollar fee will be assessed at the time the stop pay record is set up, the fee will be applied to the account specified in the Fee Shr field.

Keyword: AS

If selected, the ACH item has been presented for payment. Portico selects this check box when an ACH stop pay item is presented for processing during the back-office cycle. You can also maintain this field as needed. The valid options are:

Y - ACH item has been presented for payment.

N - ACH item has not been presented for payment. System default.

If the Stop Code field is S-One time stop pay record when the item is presented for payment, Portico changes the PRS Flag field to Y. If you change the Stop Code field to R-Revocation of authorization, Portico will change the PRS Flag field to N. The next time the item is presented for payment, Portico will change the PRS Flag field to Y, and the item will appear on the ACH System Posting/Exception Report 170 and ACH Payroll Register Report 263 with exception code R07 - Authorization Revoked by Customer. Thereafter, the item will appear on the reports with exception code R10 - Customer Advises Not Authorized each time the item is presented for payment.

Keyword: PR

The teller and branch who created the stop payment record for the member.

Select the Delete check box and click Save to delete a stop pay record.

The type of stop pay. When adding a new stop pay, click the down arrow to select the stop pay code. The valid options are:

0-9 - Credit union defined codes indicating a stop pay - The system automatically deletes the stop pay record 6 months from the stop date . For example, a share draft stop pay with a stop date of 01/02/2012 will expire on 07/01/2012 in the nightly cycle and purge the morning of 07/02/2012. A share draft stop pay added on 01/10/2012 with a stop date as 01/05/2012, will expire on 07/04/2012 in the nightly cycle and purge the morning of 07/05/2012. The deleted information appears on the 449 Report with the message STOP PAY EXPIRED.

C - Certified draft - The system automatically deletes the stop pay record 6 months from the stop date . For example, a share draft stop pay with a stop date of 01/02/2012 will expire on 07/01/2012 in the nightly cycle and purge the morning of 07/02/2012. A share draft stop pay added on 01/10/2012 with a stop date as 01/05/2012, will expire on 07/04/2012 in the nightly cycle and purge the morning of 07/05/2012. The deleted information appears on the 449 Report with the message STOP PAY EXPIRED.

H - Non-purge item - Stop pay items with H in the Stop Code field will not be automatically purged and will appear on the 449 Report with the message STOP HOLD, MANUAL MAINTENANCE NEEDED. You must manually remove the item from the Share Draft Stop Pays dialog box.

V – Verbal item - The verbal request stop pay option allows you to temporarily identify ACH and share draft stop pays as a verbal request. When written authorization is received from the member, you can change the stop code to the appropriate option. If written authorization is not received, the verbal stop pay item will purge after 14 days.

Keyword: TP

The draft number of a single draft to be stopped or the starting draft number when stopping a range of drafts.

Length: 6 numeric

Keyword: SS

The ending draft number when stopping a range of drafts. The ending serial number must be equal to or greater than the starting serial number. If the draft is certified, this field must be blank.

Length: 6 numeric

Keyword: ES

The amount of the stopped or certified draft. This amount will be forced to zero if the stop pay is a range of draft serial numbers.

Length: 10 numeric including decimal

Keyword: AM

The share type or loan note number in which the stop pay is being added. When adding a new stop pay, click the down arrow to select the share type or note number.

The draft ID associated with the stop pay and share draft account. The draft identification is MICR coded on all drafts. Each member draft account must have a unique draft ID. The loan draft ID can be the same as a share draft ID. If the loan and share draft ID are the same, then the determination for how the draft will post depends on the serial (check) number. If the serial number is 0-8999, post as share draft. If the serial number is 9000 and above, post as loan draft.

When adding a new stop pay, click the down arrow to select the draft ID. The Draft ID field defaults to the member's draft ID from the Shares - Draft Info tab. If the member has two draft IDs, the first ID appearing on the Shares - Draft Info tab displays. Maintain the field to the correct ID if the wrong draft ID appears.

Keyword: ID

Reporting Analytics: SHR DFT ID (Share Draft Stop Pay subject in the Share folder, All Share Draft Stop Pay subject in the Share\All Share folder)

The date the stop pay was added. When adding a new stop pay, click the down arrow to select the date or enter the date in MM/DD/YYYY format. The system assumes the date is the teller date if you do not specify a date in this field.

Keyword: DT

The criteria that Portico will use to match and stop the draft during the back-office cycle. When adding a new stop pay, click the down arrow to select the stop pay indicator. The valid options are:

S - Stop based on draft serial number only. System default.

A - Stop based on draft amount only

B - Stop based on both draft amount and serial number Both the draft amount and the serial number must match the incoming draft; if only one matches, the system will not stop the draft.

O - Stop based on draft amount or serial number. Either the draft amount or the serial number must match the incoming draft; if only one matches, the system will stop the draft.

Keyword: SI

Select this check box to charge a fee for the stop pay. The stop pay fee amount appears in the Stop/Cert field on the 450 Report Rules. The system assesses the fees during the next back-office cycle. The system charges only one fee for a range of drafts. If zero is in the Stop/Cert field on the 450 Report Rules, no fee will be charged. Stop pay fees are not allowed on loan draft stop pays. The general ledger account impacted is the account reflected in the Fee G/L Acct field on the 450 Report Rules. The FEE STOP PAY message appears on the member's statement for the stop pay fee transaction.

Keyword: FF

This check box is automatically selected if the draft has been presented for payment. Portico updates this check box during back-office processing when the draft attempts to post. If the entry is a range of drafts, Portico will select this check box when a draft number within the range is presented.

Keyword: PR

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