ACH Processing Rules

Portico Client Services will set up the ACH Processing Rules window. The ACH table on the ACH Processing Rules window ensures the correct posting of ACH items and reduces the number of rejected batches.

To set up an ACH Payroll, you must set up a Payroll Posting Summary window for the same payroll number on the corresponding ACH Processing Rules window.

To view the ACH Processing Rules window, in the Operations menu on the Portico Explorer Bar, click ACH. On the ACH top menu bar, click Administration, then click ACH Processing Rules.

ACH Processing Rules

How do I? and Field Help

You can use the Selection Criteria group box to display an existing ACH table. Click the ACH Type down arrow to indicate the type of ACH entry. The valid options are: Standard ACH or Origination. (Keyword: AT)

In the Display Order group box, click the order in which the system will display the ACH tables. The valid options are:

Click the Credit Union R/T option to display by routing and transit number. Then, enter the beginning routing and transit number in the Credit Union R/T field (Length: 8 numeric/Keyword: RT).
Click the Company ID option to display by company ID. Then, enter the beginning company ID in the Company ID field (Length: 10 alphanumeric/Keyword: CI).
Click the Company Name option to display by company name. Then, enter the beginning company name in the Company Name field (Length: 16 alphanumeric/Keyword: CN).

Click Search. Click the left and right arrows to scroll through the ACH tables. Click Reset to clear the fields in the Selection Criteria group box.

The Last Activity group box displays the date the ACH table was last changed, or the date ACH items were last posted using the ACH table.

To add an ACH table, Portico Services will complete the following information:

In the Selection Criteria group box...

Field	Description
ACH Type	Click the down arrow to indicate the type of ACH entry. The valid options are: Standard ACH or Origination. Keyword: AT
Credit Union R/T	The credit union's routing and transit number. If you do not specify a routing and transit number, the system will default to the routing and transit number specified in the R/T Number field in the ACH section on the Credit Union Profile - ACH/Payroll tab. If your credit union has more than one routing and transit number, the system will display the lowest R/T regardless of the routing and transit number specified in the R/T Number field in the ACH section on the Credit Union Profile - ACH/Payroll tab. Length: 8 numeric Keyword: RT (CR for 462 Txn)
Originating Financial Institution	The routing and transit number of the originating financial institution for an ACH transaction. You can leave this field blank if posting by company name and/or company ID. If left blank, Portico will populate the field with zeroes. Length: 8 numeric Keyword: OR
Company ID	The unique company ID of the originator of the ACH transaction. The originator can be the credit union or the company sending the ACH item. For ACH scheduled transfers, you can leave this field blank if posting by company name and/or OFI. On the ACH Processing Options window, enter zeroes in this field if posting by company name or batch description. Length: 10 alphanumeric Keyword: CI
Company Name	The name of the originating financial institution as it should appear at the receiving institution. The company name, OFI, and/or company ID can be used as the criteria for posting ACH. The company name can be used in addition to the OFI and/or company ID to post ACH or in place of the OFI and/or company ID. You can leave this field blank if posting by company ID and/or OFI. To post by company name only on the Member Transfer File Information dialog box, specify the company name in this field. The company name must be an exact match to the company name appearing on the ACH file. Leave the Originating Financial Institution and Company ID fields blank. On the ACH Processing Options window: To post by company name only, specify the company name in this field. The company name must be an exact match to the company name appearing on the ACH file. Leave the Originating Financial Institution field blank. In the Company ID field, enter zeroes. The Post by Company Name check box must be selected on the Credit Union Profile – ACH/Payroll tab to post ACH items through the post by company name only table first. To post by batch description, specify the batch description in this field. The batch description must be an exact match to the batch description appearing on the ACH file. Leave the Originating Financial Institution field blank. In the Company ID field, enter zeroes. The Post by Batch Description check box must be selected on the Credit Union Profile – ACH/Payroll tab to post ACH items through the post by batch description table first. If the Match On field is Batch Description on the ACH Processing Options window, Portico will only allow 10 characters in the field. Length: 16 alphanumeric Keyword: CN
ACH Description	The description of the ACH table. For straight ACH, Portico recommends entering Default Table as the description. For ACH Origination, Portico recommends entering ACH Origination. Changes to this field do not update the C010 Transaction or the ACH Processing Rules window. Length: 40 alphanumeric Keyword: DE

Identifying the Member

The following options indicate how credit union members will be identified on the ACH file.

The Member Number located in field indicates where the member identifier is located on the ACH file. The valid options are: Bank Account ID and Individual ID.

The Match Members on fields indicate the selection criteria for identifying credit union members on the incoming ACH file. The valid values are:

ATM ID (A)
Debit ID (B) - for ATM Debit Card Processing
Member Number (C)
Share Draft ID (D)
EFT ID (E) - for ATM Debit Card Processing
Social Security Number (N)
Secondary ID (S) and third ID on the Contact Information tab
Online Banking ID - for Cardlytics cash back rewards

These fields allow you to specify up to three different options. The system will search for a match of the first selection; then for the second if no match found; and then for the third if no match found. This field works in conjunction with the Drop Digits field and Right Justify check box.

If the Match Members On field is Share Draft ID (D), you can post to multiple share draft accounts based on the share draft ID on the Shares - Draft Info tab. The ACH share draft transaction will post to the share type that matches the share draft ID on the member's Shares - Draft Info tab. The ACH transaction code must be a share draft transcode and the batch must be posted by share draft ID (Match Members On field is Share Draft ID (D)).

Processors can send transactions using either the member's debit ID (10 digits) found on the Debit Card Maintenance dialog box or the full card number, which would include the ISO number for ATM transactions or the BIN for debit transactions.

To use the debit ID option to post transactions, the following options must be selected for the C010 Transaction: The Match Members On field must specify Debit ID (B) . The Member Number Located field can be Bank Account ID and Individual ID. The displacement specified in the Drop Digits field indicates where the Member Number Located field begins. The system will process the transactions in the same manner that ATM transactions are processed.

The EFT ID options applies to the full card number. For ATM cards, this is the ISO number for your credit union and the 10-digit ATM ID. For debit cards, the full card number is the BIN for your credit union and the 10-digit debit ID. To use the EFT ID option to post transactions, the following options must be selected for the C010 Transactions: The Match Members On field must specify EFT ID (E). The Member Number Located field will can be Bank Account ID and Individual ID. The displacement specified in the Drop Digits field indicates where the 10-digit ATM or Debit ID begins and not at the start of the full card number. The Right Justify check box must be selected for EFT ID processing. The system will verify the ISO or BIN to be that of your credit union and identify the method by which the member number will be checked (ATM or Debit). After this verification, the system will process the transactions as scheduled.

The Drop Digits field indicates the number of digits the system should ignore in the Bank Account ID or Individual ID field on the incoming ACH file before determining the member's account number (Length: 2 numeric). If 00 appears in this field, the system will read all the digits in the Bank Account ID or Individual ID field.

If the Right Justify check box is selected, Portico moves the data to the right of the 17-digit Bank Account Number field and adds leading zeros (e.g. member number 1234567: 0 0) The following chart shows the common displacement values to be used when this check box is selected:

Match Members On	Length	Drop Digits for Individual ID	Drop Digits for Bank Account #
Member Number	12	3	5
Secondary ID	9	6	8
Social Security	9	6	8
Share Draft ID	10	4	6
ATM ID	10	5	7

The following check boxes and fields in the Options group provide additional ACH file processing options:

Field	Description
Use Discretionary Data	If selected, Portico will use the discretionary data field on the incoming ACH file.
Hold Flag	If selected, Portico will hold the incoming ACH file. The system will not process any of the items on the file until Portico Customer Service releases the hold using the C012 Transaction. The C012 Transaction is an internal transaction and cannot be viewed by credit unions.
Accumulate Pending	If selected, Portico will display pending ACH items processed through this ACH table on the Account Information - Overview tab. The Display ACH Pending check box must be selected in ACH section on the Credit Union Profile - ACH/Payroll tab.
Advance Post	Portico provides the option to post items 3 or more days in advance of the effective date; however, NACHA regulations limit advance posting to up to 2 days in advance of the effective date. If the Advance Post field is 2 - Two Days, Portico will post the ACH credit items when they are received if the effective date of the ACH batch is within two days of the current date. The system will change the effective date to the current date. Therefore, the effective date of the batch will be different from the date reflected on the FedACH Advice or the settlement bank statement. ACH debit items will not post in advance, but rather based on the item's settlement date.
Cardholder Disputed Txns	Indicates the posting option used with Fiserv Card Services Full-Service Debit Call Center to automatically post disputed credit amounts to your members’ accounts. Fiserv Card Services will transmit a daily batch debit card dispute transaction posting file that will be processed in the Portico back-office cycle. You can choose to automatically post the disputed transactions or just report the disputed transactions. The valid options are: N – No P – Auto Post. The disputed transactions will be posted in the back-office cycle automatically and reported on the ACH System Posting/Exception Report 170. R – Report Only. The disputed transactions will be reported on the 170 Report and appear on the ACH Exception Items window with exception code EDT. You can post the disputed transactions using the ACH Exception Items window.
Accept Duplicate Batches	Indicates if the system should override the edit that automatically rejects duplicate batches. A duplicate batch is determined if the files have the same OFI, batch total, and effective date. The valid options are: Yes - Override the edit and allow any duplicate batch with 30 items or less to post. Allow - Override the edit and allow all duplicate batches regardless of the number of items to post. No - Do not override the edit. The system will not post any batch that has the same OFI, batch total and effective date as another batch.
Post Items Based On	Indicates if the system will post the ACH items based on company name or batch description. The valid options are: Company Name - Post the ACH items based on the company name. The ACH Type field must specify Standard ACH. The company name will be included in the criteria for selecting the ACH table to post items through. The name specified in the Company Name field must be an exact match to the name appearing on the ACH file. Company ID - Do not post the ACH items based on the company name or batch description. System default. If a company ID is not included on the ACH file, the system will check for a match on the OFI. If a match is not found, the system will post the ACH items based on the routing and transit number. Batch Description - Post ACH items based on batch description. The batch description specified in the Company Name field must be an exact match to the batch description appearing on the ACH file. The Post by Batch Description check box in the ACH section on the Credit Union Profile - ACH/Payroll tab must be selected to use the batch description when posting ACH. Portico requires that any alpha characters in the company name or batch description fields must be in all capital letters on the incoming file if the Post Items Based On field is Company Name or Batch Description. Lower case letters will not match to the ACH Processing Rules window.
Statement Description	Indicates where the system will find the information on the incoming ACH file that will be used for the description on the member's statement. The valid options are: Batch Header, Short Addenda, Long Addenda (recommended for ATM/Debit), and ATM (not recommended).

The Payroll Information group box provides additional options for processing ACH payroll.

Field	Description
Associated Payrolls	The payroll number the system will use to post incoming ACH batch. The payroll numbers must be right justified. Example, payroll number 101 would be 0101. If two payroll numbers are specified, the system will include all items with the ACH transaction code for shares on the first payroll. The second payroll will include all items with the ACH transaction code for share drafts. The system will post the payroll based on the information on the on the member's Member Payroll Maintenance dialog box.
ACH Displacement	Indicates how you want the system to split a batch into ACH and ACH payrolls. This value indicates the position in the ACH file to look for the value specified in the ACH Value field. For example, if the ACH Displacement field is 03 and the ACH Value field is 7, the system looks for value 7 in position 3 of the ACH file, and recognizes the item is a debit and does not need a payroll number associated. If value 7 is found in position 3, ACH credits will be payroll-associated and ACH debits will not be payroll-associated. If an OFI sends debits and credits on the same ACH payroll file, the system will use the ACH Displacement, ACH Value, and Associated Payrolls fields to process the ACH debits as straight ACH and ACH credits as ACH payroll.
ACH Value	Indicates how you want the system to split a batch into ACH and ACH payrolls. This value indicates the value to look for in the position designated by the ACH Displacement field. If an OFI sends debits and credits on the same ACH payroll file, the system will use the ACH Displacement, ACH Value, and Associated Payrolls fields to process the ACH debits as straight ACH and ACH credits as ACH payroll.
Standard NACHA Format	If selected, ACH records received for NACHA-defined SEC Codes will be in the NACHA standard format. System default.

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