Request and response codes

check types the checktype attribute in the response to post /checks/v1/payments describes the type of check the call is dealing with type description standard a check drawn from a business or personal account at another bank onus a check drawn from a cr account treasury a check drawn on the us treasury and issued by the us department of the treasury moneyorder a pre paid traceable certificate used to transfer funds in amounts of up to 1000 usd fedreservebank a check drawn on the federal reserve bank fedhomeloan a check issued by a member federal home loan bank statelocalgovt a check issued by a state or local government certified a check guaranteed by the issuing fi to be valid and that the account it is drawn on has sufficient funds to cover the amount unknown check type cannot be determined direction the direction attribute in the response to post /checks/v1/payments describes whether the check funds are going out of or into the cross river bank account direction description inbound a check drawn from a cos account, deposited at another bank outbound a check deposited into a cos account, drawn from an account at another bank payment status the status of the payment is returned in the response to several check calls in the status field status description created we have received the payment, but have not started processing it yet this status should only appear briefly under normal circumstances pending the payment is waiting to be batched and sent to the federal reserve hold payment is being held at the moment and reviewed by our operations team batched the payment has been batched and a final review is being done before we send it out in a file to the federal reserve processing for inbound payments, we are attempting to post the payment to the receiving account for outbound payments, the payment has been sent to the federal reserve, but has not posted yet completed the payment has been posted and accepted by the federal reserve (in the case of outbound payments) this is a final status rejected your check has been rejected for compliance reasons applies to outbound payments only this is a final status canceled an outbound payment has been canceled at the request of the partner a payment may only be canceled while either pending or on hold this is a final status positive pay status if check management is enabled, the positive pay status of the check status description authorized the check has been authorized for positive pay paid an authorized check has been presented by the federal reserve and paid by the bank revoked the check's positive pay authorization has been revoked payment types the check paymenttype field, found in responses to checks calls, indicates whether the check has been presented for deposit or has been returned for some reason payment types include type description forward a forward item is a check presented for deposit, to be sent to the payer bank return a previous forward item that the payer bank returned availability policy/reg cc policy types the policy type supplied in checks responses in the policy field, tells you how within how many days funds from a check deposit will be available in the customer's account standard $225 or less of the aggregate amount deposited daily to be available next business day remainder amount available on the 2nd business day after the deposit date newaccount $5,525 00 or less of the aggregate amount deposited daily to be available 2nd business day excess of $5,525 available on the 7th business day after the deposit date largedeposits $225 or less of the aggregate amount deposited daily to be available next business day $5,300 or less of the aggregate amount deposited daily to be available on the 2nd business day remainder of the deposit to be available on the 7th business day after the deposit date redepositedcheck total amount of the deposit to be available on the 7th business day after the deposit date repeatedoverdrafts total amount of the deposit to be available on the 7th business day after the deposit date onus total amount of the deposit to be available on the 2nd business day after the deposit date rcnoticeofunpaidreturn total amount of the deposit to be available on the 7th business day after the deposit date rcsuspectfraud total amount of the deposit to be available on the 7th business day after the deposit date rcfundingaccountoverdrafts total amount of the deposit to be available on the 7th business day after the deposit date rcunverifiedendorsement total amount of the deposit to be available on the 7th business day after the deposit date rcinconsistentinformation total amount of the deposit to be available on the 7th business day after the deposit date rcerasuresoralterations total amount of the deposit to be available on the 7th business day after the deposit date rcoutofdateroutingnumber total amount of the deposit to be available on the 7th business day after the deposit date rcpostdatedorstaledate total amount of the deposit to be available on the 7th business day after the deposit date rcpayingbanknotpaidindication total amount of the deposit to be available on the 7th business day after the deposit date rclostordamaged total amount of the deposit to be available on the 7th business day after the deposit date emergencyconditions total amount of the deposit to be available on the 7th business day after the deposit date rejection reasons there are many reasons why a check payment might be rejected these values appear in the rejectionreason field of checks responses reason description imageanalysisfailure the software was not able to read the check image postingexception the deposit is unable to post (for example, because of nsf or restriction) amountmismatch the written and numeric check amount numbers do not match maxitemamountexceeded the limit of number of checks deposited has been reached maxdepositamountexceeded the limit of dollar volume for check deposits has been reached maxitemsperdayexceeded the limit of amount of checks deposited has been reached for the day duplicate the check has already been deposited payerroutingnumberinvalid the routing number on the check is invalid payeraccountnumberinvalid the account number on the check is invalid checknumberinvalid the check number on the check is invalid notspecified return codes a returned check response contains many details, including a returncode that tells you why the check was returned code description a not sufficient funds b uncollected funds hold c stop payment d closed account e unable to locate account f frozen/blocked account g stale dated h post dated i endorsement missing j endorsement irregular k signature(s) missing l signature(s) irregular m non cash item (non negotiable) n altered/fictitious item p item exceeds dollar limit q not authorized r branch/account sold (wrong bank) s refer to maker t stop payment suspect w cannot determine amount x refer to image