COS reference codes

Incoming ACH payment

Incoming ACH returned payment

Incoming ACH NOC

Outgoing ACH payment

Outgoing ACH returned payment

Outgoing ACH NOC

Internal book transfer

Fee

Fee Refund

Deposit

Withdrawal

Interest payment

Interest Reversal

Misc Credit

Misc Debit

Incoming Wire payment

Outgoing Wire payment

Check

Cash

Reversal

Adjustment

Sale

Card Auth

Payment

Refund

ATM Transaction

RTP Debit

RTP Credit

XPAY Debit

XPAY Credit

Withholding

Sweep Interest

Chargeback

Bonus

Reward

Crypto Purchase

Crypto Sale

Crypto Outgoing

Crypto Incoming

Crypto Transfer

Crypto Return

INTL Outgoing

General Error

Account Restriction

Insufficient Funds

Account Not Found

Account Closed

Account Inactive

Account Dormant

Account in escheatment

Account in charge-off status

Force Posting. Overrides most authorization rules.

Overrides sufficient funds rule

Overrides all account and product restrictions

Overrides all stop payments

Indicates transaction is part of pre-settlement phase of daily processing.

Override account status rule

Exclude transaction from counting towards Reg D debit limit

Indicates the transaction is for authorization purposes only. No money will move between accounts as a result of this transaction. No account activity record will be written as a result either.

Company ID

Routing number

Check number

Account number

Primary type

Sub type

Direction

Reason code

Memo

Data

Source

Reference

Expiration

Service type

Trace number

Network ID

Transaction ID

Receiver ID

Originator ID

Dormant for 1 year

Account is active

Dormant for 2 years

Account is in escheatment (dormant for 3 years)

Account is closed

General Ledger

Demand Deposit Account (DDA). Checking and Savings accounts.

Credit Card

Gifts Cards and other stored value accounts

Activity from transactions will first soft post, remaining as status pending for the day, and later hard post during the nightly settlement process. Once hard posted a sequence number and running balance are assigned.

Memo posts will remain pending until they are removed (commonly a day or more). Transactions will always start as status pending when they first soft post.

Transactions will always transition to status posted during the nightly settlement process for the account. Once hard posted, a sequence number and running balance are inserted.

Activity is between two sub accounts under the same master account

Residential

Business

PoBox

Rural

Military

Home

Work

Personal

Accepted, but not yet processed

Processed successfully. Money has been moved between the two accounts

Processing failed due to one or both sides of the transaction being rejected. See rejection codes for details.

Transaction waiting for approval from Ops team before it can be processed.

After review by Ops team the transaction was declined to be processed

Fee assessment is pending successful posting to the account

Fee has been posted to the account

Refund process has been started, but the refund has not yet posted.

Refund has been posted to the account

Fee assessment failed to post the account

Relates to the availability of funds for check deposits and ACH payments

Bank management has placed a hold

Debit card authorization

DriversLicense

Passport

IdCard

SocialSecurity

A scan is being performed on the customer.

A scan has been completed and the customer has been cleared.

A scan has been completed but the customer must be reviewed by our BSA/AML Team.

Exempt

Excluded

NonProfit

ACH Network

Wire Network

Credit Card

Debit Card

Stored value card network (e.g. gift cards)

Image Cash Letter (i.e. checks)

XPay rail which enables instant transfers between COS accounts

Primary

AuthSigner

Master and sub accounts

Master account only

Limited Liability Company

Sole Proprietorship

Corporation

Not for Profit

Investment/Hedge/Private Equity Fund

Trust

Special Purpose Vehicle/Special Purpose Entity

Statement is generating

Subledger balance is informational only and will not be considered when making transaction decisions for the account. Only the master balance is used for transaction decisions. Subledgers can go negative if needed, as long as the funds are in the master account.

Social security number

Employer identification number

Individual tax ID number

General exception

DateFormed required

DateFormed cannot be in the future

BirthDate required

BirthDate cannot be in the future

EntityName required

FirstName not allowed for classification

MiddleName not allowed for classification

LastName not allowed for classification

Prefix not allowed for classification

Suffix not allowed for classification

PreferredName not allowed for classification

FirstName required

LastName required

EntityName not allowed for classification

Name required

PoliticallyExposedPerson required

PoliticallyExposedPerson not allowed for classification

BirthDate not allowed for classification

DateFormed not allowed for classification

RegO required

RegO not allowed for classification

PrimaryOwnerCustomerId required

PrimaryOwnerCustomerId not allowed for classification

EntityType not allowed for classification

OwnershipType not allowed for classification

TaxIdType not allowed for classification

General exception

Account not active

Status cannot be set to closed manually

Account not open

Account is closed

Account is not closed

Account cannot be closed until active holds removed

Account cannot be closed until active memo posts removed

Account cannot be closed until all completed transactions have been applied and balance is zero

Account cannot be closed until sub accounts are closed

Max total accounts exceeded for product

Max active accounts exceeded for product

Max daily accounts exceeded for product

Account already exists

Account number cannot be generated

Account generation attempts exceeded

Invalid account number prefix

Invalid account number length

Customer not assigned to same partner as product

Customer classification not allowed for product

Customer must have an address associated

Customer must have a phone number associated

Customer must be cleared for OFAC prior to account opening

Sub account not found

Sub account not active

Cannot modify implicit sub account

Sub account already exists

Sub account is closed

Sub account is not closed

Master account required

Master account not open

Master account not active

Master account not found

Beneficiary required

Sub account total limit has been reached for master account

Sub accounts are not enabled for product

Sub account number cannot be generated

Sub account generation attempts exceeded

Invalid sub account number prefix

Invalid sub account number length

Sub account cannot be closed until all completed transactions have been applied and balance is zero

Sub account daily limit has been reached for master account

Sub account active limit has been reached for master account

Customer not found

Customer not active

Entity not active

Address not active

Cannot remove primary address

DateFormed required

DateFormed cannot be in the future

BirthDate required

BirthDate cannot be in the future

Primary owner customer not found

Primary owner customer not active

Primary owner customer must be a person

Entity and primary owner must be under same partner

Entity and primary owner must be different customers

Entity customer must be a business

Owner customer not found

Owner customer not active

Owner customer must be a person

Entity and owner customers must be under same partner

Entity and owner must be different customers

Owner relationship already exists for entity customer

Unable to deactivate customer due to established account relationship(s)

Partner not found or is inactive

An active customer with this tax ID already exists for partner

Cannot remove primary identification

Cannot remove primary phone

Invalid customer entity type

Fee not found

Fee code not found

Fee schedule not found for product

Fees not enabled for product

Fee not assessed

Fee schedule change not approved

Fee schedule change not pending

Fee schedule not found

Fee schedule not found for product

Fee schedule not active

Fee schedule name already exists

Fee schedule in request must match fee schedule associated with change

Max fees for fee schedule exceeded

Pending fee schedule change with name already exists

Fee schedule change approval requires dual control

Fee already waived

Hold not found

Hold is inactive

Invalid hold amount

Expiration date cannot be in the past

Restriction not found

Restriction not active

Restriction policy in request must match restriction policy associated with change

Restriction policy approval requires dual control

Restriction policy not found

Restriction policy not active

Restriction policy max restrictions exceeded

Restriction policy name already exists

Pending restriction policy change with name already exists

Restriction already inactive

Restriction policy change not approved

Restriction policy change not pending

Interest accrual not found

Start date must be before end date

Amount must be greater than or equal to zero

Payments not equal to zero must be posted to core

Memo post not found

Memo post not active

TransactionCode is invalid

Product not found

Product not active

Product change not approved

Product change not pending

Product in request must match product associated with change

Classification not allowed for product type

Product type invalid

Product name already exists

Unknown account type for product

Pending product change with name already exists

Interest Accrual not allowed for account type

Fees not allowed for account type

Statements not allowed for account type

Product change approval requires dual control

Relationship not found

Relationship not active

Primary relationship cannot be removed

Relationship not allowed for account type

RelationshipType not allowed for account classification

IsTaxReportingOwner cannot be enabled for relationship type

Customer must be classified as a person

Customer relationship already exists

Customer must be under same partner as account

Customer must be cleared for OFAC prior to creating relationship

Settlement not found

Daily settlement must be pending

Daily settlement must not be complete

Daily settlement must be pre-settling and all interest must be processed

All accounts must be settled before daily settlement can be completed

Snapshot not found

Snapshot account number does not match

Snapshot partner does not match

Statement not found

Statement not completed

Statement is closed

AccountNumber must match statement

Unable to generate statement for account type

Transaction not found

Debit account not found

Debit account not active

Credit account not found

Credit account not active

Debit and credit accounts must be different

Debit account type not allowed

Credit account type not allowed

General ledger transfers require auto approval permission

Transaction must be pending

Transaction not effective

Transaction must be under review

Transaction authorization not found

Transaction approval requires dual control

Invalid transaction status

PartnerId not accessible

PartnerId is required for user type

TransactionCode is invalid

Max transaction flags exceeded

Invalid transaction flag

Transaction flags not allowed

Transaction filter required

Transaction trace number required

Transaction proposal required

Transaction amount must be greater than zero

Transaction auth status invalid