Managing deposit accounts

To view the balance history, click for either the current or available and enter the date range for the information you want to see. Click Search and the records appear in the dialog box. The records include the following:

Field	Description
TYPE	The type of entry
CURRENT	Amount shown in the account at the defined entry time. An amount in parentheses means a debit and without parentheses means a credit.
RUNNING CURRENT	The running balance The incremental total in the account that reflects the impact of each entry on the balance in the account. amount shown in the account at the defined entry time including all transactions whether or not complete at that time
AVAILABLE	Amount available for use at the defined time of the entry. An amount in parentheses means a debit and without parentheses means a credit.
RUNNING AVAILABLE	The running balance of available funds at the defined time of the entry. A negative amount means a debit and a positive amount a credit.

The following information displays in the Deposit Account Details area.

Field	Description
Acct #	Account number
Classification	Account classification (Personal / Business)
Status	Account status
Product Type	Product type (General Ledger/Checking/Savings/Time Deposit/Wallet)
Opened	Date account was opened
Last Maintenance	Date of last maintenance on account
Last Contacted	Date of last contact with customer to verify account
Partner	The partner under which the customer has been created Note: Click the partner name to see the partner details view
Statement Address	Full address associated with account
Credit Limit	The maximum amount the deposit account can be overdrawn
Available Credit Limit	Available funds in the deposit account
Overdraft Enabled	Allows an account to be overdrawn according to partner-customer agreement/ terms
Overdraft Account	A separate account with a maximum limit of money that can be drawn.to fund the deposit account
Overdraft Threshold	The desired end-of-day balance in the account
Title	Account title
Client Identifier	Use this attribute to add your own unique identifying string to a payment call or COS record. This attribute is useful for idempotency purposes.
Ledger Type	Account ledger type. Passthrough (default) or Direct
Rate Card	Preconfigured template assigned to account, containing interest rates Note: To view details on a rate card, click the rate card name
Last Transacted	Date of last transaction on account
Product	Product account is associated with
Contact Info	Contact information for the customer

Click for options on editing the deposit account details as described below.

The new deposit account details display in the Deposit Account Details area.

What action?	How	Steps
Change Account Title	Click and select Change Account Title.	Edit the account title field and click Submit
Report Customer Contact	Click and select Report Customer Contact.	Edit the customer contact fields, the internal only note, partner note and click Confirm
Change Statement Address	Click and select Change Statement Address.	Edit the statement address fields and click Save Changes
Change Status	Click and select Change Status.	Edit the account status fields and click Save Changes
Change Account Credit Limit	Click and select Change Account Credit Limit.	Edit the account credit limit and click Submit
Change Overdraft Funding	Click and select Change Overdraft Funding.	Edit the overdraft funding fields and click Save Changes

The Customer Relationships area provides information about the customers with relationships to the account.

Column	Description
CUSTOMER	Customer that account is related to
RELATIONSHIP	Customer relationship to account
TAX OWNER	Indicates whether customer is a tax owner
DATE ADDED	Date relationship was added to account

1. Click , Add Customer Relationship to add a new customer relationship for the deposit account.

2. Select the Customer and Relationship.

3. Click Submit

   Click x to remove a customer.

Click a customer to view their detailed information.

The Account Activity tab displays the Current and Available balance and information on the deposit account activity.

Column	Description
DATE	Activity date
SUB LEDGER	Number of deposit sub ledger account on which activity took place
DESCRIPTION	Activity description
CODE	Transaction code of activity
AMOUNT	Dollar amount of activity
BALANCE	Account balance following activity

Sometimes you need to indicate that funds will be debited from or credited to an account. Create a memo post A message attached to an account to indicate that funds will be withdrawn or deposited, but the transaction is not yet complete. for that purpose.

1. ClickCreate Memo Post .

2. Enter memo post details and click Save

You can filter the information to show specific account activity. Enter the parameters that interest you and click .

Field	Description
Date From	Earliest activity date
To	Latest activity date
Amount From	Minimum dollar amount to filter on
To	Maximum dollar amount to filter on
Type	Internal/ External
Code	Type of transaction, including account transfers, incoming and outgoing ACH transactions, and any ACH NOC
Currency	Currency type. Choose from the drop-down list.

Click a transaction in the list to view detailed information about it. For more information on viewing deposit account transactions, see Working with Deposit sub ledger accounts.

The Posting Exceptions tab displays transactions that were not posted within a set date period for the account.

Field	Description
DATE	Posting exception date
TRACE #	Unique core transaction trace number of posting exception
SUB LEDGER	Number of sub ledger account on which exception occurred
DESCRIPTION	Description of transaction for which exception occurred
CODE	Code of activity on which exception occurred
REJECTION	Rejection reason code
MESSAGE	Rejection reason
AMOUNT	Dollar amount of activity on which exception occurred

You can filter the displayed information. Enter the parameters that interest you and click .

Click an item in the list to view detailed information about it.

The Debit Cards tab displays information about the card and cardholder.

This is intended for creating and managing only customer debit cards using VisaDirect and MastercardSend (McSend) as the payment processor.

Field	Description
LAST FOUR	Last 4 digits of card
CARDHOLDER	Name of cardholder
STATUS	Active/Inactive
OPENED	Date card created
PRIMARY	Whether primary card
ADMIN LOCKED	Locked by admin

To create a new debit card:

1. Click , select Add New Card and enter card details.

2. Click Submit to save.

The Statements tab displays information about a deposit account for a defined period (this must have a start and stop date that has passed).

Field	Description
STATUS	Statement status
PERIOD	Time period covered in statement
ENTRIES	Number of entries in statement
BEGIN BALANCE	Balance at beginning of time period covered in statement
END BALANCE	Balance at end of time period covered in statement

Click and select Generate Statement to generate a statement for a defined time period.
Click the download icon to download the generated statements.

Currently, statements are generated and can be downloaded monthly. You can generate a statement on demand however the following rules apply:

• The statement is created for a range of account activity that has not already been included in another statement. So if a statement already exists for the month of January then another statement that includes both January and February cannot be created.

• The statement only includes activity which has been settled. This means all account activity which has not been hard posted during the nightly settlement process will not be eligible.

Click an entry to display details for that month's statement. A screen opens showing Statement Details and Statement Entries.

Statement details

Field	Description
Account  Number	Account number
Statement Address	First Name Middle Name Last Name Street Address 1-3 District City ZIP code Country
Status	Statement status
Period	Statement period
Beginning Balance	Balance at the beginning of the time period covered in the statement
Interest Accrued	Total amount of interest accrued on the account
Interest Paid	Total amount of interest paid on account
Fees	Total amount of fees paid
Withdrawals
Debits	Total dollar amount of debits
Created	Date and timestamp of statement
Product	Name of product.
Ending Balance
Interest Accrued YTD	Interest incurred year to date
Interest Paid YTD	Amount of interest paid on the account from the beginning of the current year to the current date
Annual Percentage Yield Earned	Amount of compound interest earned on account in the year
Entries	Number of entries in the statement
Deposits	Total dollar amount of deposits over the statement period
Credits	Total dollar amount of credits over the statement period
Completed	Date and time that the statement was completed

Statement entries

Field	Description
DATE	Activity date
SUB LEDGER	N/A
CODE	Transaction code
DESCRIPTION	Transaction description
AMOUNT	Transaction amount
BALANCE	Balance following the transaction

Statement tasks

From the Statement Tasks area in the Statement Details screen you can perform several statement tasks. These include:

• Recall

• Mark delivered

• Download document

From the Account Statements area you can go to other monthly statements. Click on the plus sign by each calendar year to view more.

In the Holds A hold is a way to secure funds within an account for a particular scenario. Placing or removing a hold will immediately affect the available balance in an account or sub ledger. tab, you can search for and view holds on a deposit account using these search filters:

Field	Description
Rail	Rail type
Rail Id	Rail ID
Reason	Hold reason

Deposit account hold information displays as follows:

Column	Description
REASON	Hold reason
CREATED	Hold creation date
EXP. DATE	Hold expiration date
NOTES	Notes entered on hold
RAIL	Rail type
TYPE	Hold type
AMOUNT	Dollar amount of hold

Remove a hold from the list of holds by clicking x.

To place a hold on an account:

1. Click . Select Place Hold and fill in the fields.

2. Click Save.

The Restrictions tab displays details of restrictions placed on a deposit account.

To remove a restriction from the list of restrictions, click x.

Column	Description
APPLIES TO	The account(s) the restriction applies to
RAIL	Rail type
OTHER ACCT	If there are any other accounts that are impacted by the restriction. Restrict transaction according to specific account type.
TRANS TYPE	Transaction type of restriction Debit Credit
TRANS CODE	Transaction code of restriction
THRESHOLD	Dollar amount threshold of restriction
TYPE	Restriction Type Partner Internal
EFFECTIVE
REASON	Restriction reason
NOTES	Notes entered on restriction

To add a restriction on the deposit account:

1. Click . Select Add Restriction and fill in the fields.

2. Click Save.

The Stop Payments tab displays information on payments the account holder has requested be stopped.

Click a row in the list of stop payments to view details.

Field	Description
RAIL	Rail type of stop payment
STATUS	Status of stop payment
MIN	Minimum dollar amount of stop payment
MAX	Maximum dollar amount of stop payment
EXPIRATION	Expiration date of stop payment
NOTES	Notes entered on stop payment

To stop a payment:

1. Click , select Stop Payment, and fill in the fields as necessary.

2. Click Place Stop Payment.

This is intended when you use i2c as the payment processor, with the option and capability of using any other payment process.

The Card Management tab displays card information.

Field	Description
LAST FOUR	Last 4 digits of card number
CARDHOLDER	Name of cardholder
STATUS	Active/ Inactive/Suspended/Closed
OPENED	Date card created
PRIMARY	True or false
ADMIN LOCKED	Locked by admin

To add a new card:

1. Click . Select Add New Card and fill in the fields.

2. Click Save.

The Account Snapshot area displays summary information by Current Month, year-to-date (YTD) and Life Time.

Field	Description
Transaction Count	Number of transactions for given time period
Low Balance	Lowest balance in time period
High Balance	Highest balance in time period
Withdrawal Total	Total dollar amount of withdrawals over time period
Deposit Total	Total dollar amount of deposits over time period
Debit Total	Total dollar amount of debits over period
Credit Total	Total dollar amount of credits over period
Last Debit	Dollar amount of last debit in period
Last Debit At	Date of last debit in the time period
Last Credit	Dollar amount of last credit in time period
Last Credit At	Date of last credit in time period
Last Interest	Dollar amount of last interest earned in time period
Last Interest At	Date of last interest earned in time period
Interest Total	Total interest earned over time period
Fee Total	Total dollar amount of fees paid over time period
Fee Count	Number of fee payments paid over time period
Overdraft Count	Number of overdrafts during time period
Overdraft Days	Number of overdraft days during time period
Uncollected Count	Number of transactions rejected due to uncollected funds

From the screen detailing a specific account you can perform these actions on your account:

• Deposit Funds
  See Posting transactions

• Withdraw Funds
  See Posting transactions.

• Close Account
  

  Note: To close an account the balance must be zero.

  1. Click Close Account and fill fields.

  2. Click Confirm.

• Open Sub Ledger
  See Open a deposit sub ledger account.

• View Sub Ledger
  The sub ledger accounts are listed in the Deposit Accounts Sub Ledgers search screen. For more information see Working with Deposit sub ledger accounts.

• View Interest
  Displays details of the breakdown of interest paid on an account.
  

  Click to toggle the search fields, and enter relevant search parameters. Click Search.

  • Accruals Tab

    Field	Description
    PERIOD START	Start date of interest accrual period
    PERIOD END	End date of interest accrual period
    AMOUNT	Amount of interest accrued
    ANNUAL RATE	Annual interest rate
    PRINCIPAL	Principal amount on interest
    PAID	Indicates whether interest was paid
    PAID ON	Date of interest payment
    RATE CARD	Pre-configured template assigned to account containing interest rates
    TIER	Interest rate tier as indicated in assigned rate card

  • Payments Tab

    Field	Description
    TRANSACTION	Contains a link to the Core transaction details, viewable in the Transaction Information screen.
    PAID ON	Interest payment date
    AMOUNT	Interest payment amount
    UNPOSTED AMOUNT	Unposted interest payment amount
    ACCRUAL AMOUNT	Amount of interest accrued
    CARRY OVER AMOUNT	Amount of carry over interest
    LIFETIME PAYMENT	Total amount of lifetime interest payment
    POSTED	Indicates whether interest payment was posted
    POSTED ON	Interest payment posting date

• View Tax Documents

A record of the tax documents associated with the deposit account displays here.

Click View Tax Documents.

Field	Description
TAX YEAR	Tax year for the document
STATUS	Tax document status
ACCT #	Account number associated with tax document
CUSTOMER	Customer name on account
TYPE	Tax document type
CORRECTION	Indicates whether a correction was made to tax document

• View Settlements
  Click View Settlements to display a list of deposit account settlements within a date period.

Field	Description
DATE	Settlement date
START	Number of transactions settled over lifetime of account up to date in DATE field
END	Confirmed number of transactions settled over lifetime of account up to date in DATE field
COMPLETED	Date and time of settlement completion

Click a settlement in the list to view the settlement details.

Field	Description
Uncollected	Uncollected funds on settlement
Overdrafts	Overdrafts on settlement
Transactions	Transactions on settlement
Debits	Total dollar amount of debits on settlement
Last Debit	Amount of last debit on settlement
Credit	Total dollar amount of credits on settlement
Last Credit	Amount of last credit on settlement
Deposits	Total dollar amount of deposits on settlement
Withdrawals	Total dollar amount of withdrawals on settlement
Opening Balance	Opening balance on the account as of settlement
Closing Balance	Closing balance on the account as of settlement
Low Balance	Lowest balance on the account as of settlement
High Balance	Highest balance on the account as of settlement
Interest Total	Total interest earned on account
Fees	Number of fee payments made on account

To search the settlements by a selected date period, click to toggle the search fields, and enter the starting and ending dates. Click Search.

• View Notes
  You can see any notes that have been saved for the deposit account.

Field	Description
DATE	Note creation date
SUBJECT	Note subject
AUDIENCE	Note audience (Internal or Partner)
CREATED BY	COS user who created note
BODY	Note text

To add a note the account:

1. Click Add Noteand fill in the fields in the Create New Note.

2. Click Submit. The new note appears in View Notes.

• View Tags
  Click View Tags to display tag information.

Column	Description
TAG	Tag name
STATUS	Tag status
AUDIENCE	Tag audience (Internal or Partner)
DATE	Tag creation date
CREATED BY	Tag created by

Click a tag in the list to view the details of the tag.

To create a new tag:

1. ClickAdd Tag and fill in the fields.

2. Click Submit, the new tag appears in the View Tags.