COS Explorer

create and manage your customer deposit accounts from the deposit accounts screen in the core tab of cos explorer deposit account details in the deposit accounts screen, click an entry to view a selected account a screen displays with comprehensive information about the account you can see the current balance and available balance of the deposit account view balance history 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 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 deposit account details area 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 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 the 3 dot menu 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 the 3 dot menu and select change account title edit the account title field and click submit report customer contact click the 3 dot menu and select report customer contact edit the customer contact fields, the internal only note, partner note and click confirm change statement address click the 3 dot menu and select change statement address edit the statement address fields and click save changes change status click the 3 dot menu and select change status edit the account status fields and click save changes change account credit limit click the 3 dot menu and select change account credit limit edit the account credit limit and click submit change overdraft funding click the 3 dot menu and select change overdraft funding edit the overdraft funding fields and click save changes customer relationships 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 click the 3 dot menu, add customer relationship to add a new customer relationship for the deposit account select the customer and relationship click submit click x to remove a customer the account always has an assigned primary if an additional person is added to the account and the primary then dies the additional person does not become a primary the account would have to be closed and a new account opened click a customer to view their detailed information account activity tab the account activity tab displays the current and available balance and information on the deposit account activity true false 134false left unhandled content type false left unhandled content type false left unhandled content type false left unhandled content type false left unhandled content type false left unhandled content type false left unhandled content type false left unhandled content type false left unhandled content type false left unhandled content type false left unhandled content type false left unhandled content type false left unhandled content type false left unhandled content type sometimes you need to indicate that funds will be debited from or credited to an account create a memo post for that purpose click create memo post 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 the filter icon true falsefalse left unhandled content type false left unhandled content type false left unhandled content type false left unhandled content type false left unhandled content type false left unhandled content type false left unhandled content type false left unhandled content type false left unhandled content type false left unhandled content type false left unhandled content type false left unhandled content type false left unhandled content type false left unhandled content type false left unhandled content type false left unhandled content type 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 posting exceptions tab the posting exceptions tab displays transactions that were not posted within a set date period for the account true falsefalse left unhandled content type false left unhandled content type false left unhandled content type false left unhandled content type false left unhandled content type false left unhandled content type false left unhandled content type false left unhandled content type false left unhandled content type false left unhandled content type false left unhandled content type false left unhandled content type false left unhandled content type false left unhandled content type false left unhandled content type false left unhandled content type false left unhandled content type false left unhandled content type you can filter the displayed information enter the parameters that interest you and click the filter icon click an item in the list to view detailed information about it debit cards tab the debit cards feature is only supported for specific partners prior to 2020 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 true falsefalse left unhandled content type false left unhandled content type false left unhandled content type false left unhandled content type false left unhandled content type false left unhandled content type false left unhandled content type false left unhandled content type false left unhandled content type false left unhandled content type false left unhandled content type false left unhandled content type false left unhandled content type false left unhandled content type to create a new debit card click the 3 dot menu, select add new card and enter card details click submit to save statements tab the statements tab displays information about a deposit account for a defined period (this must have a start and stop date that has passed) important the statement type you can pull is dictated by the user roles that you are assigned on configuration your explorer admins are responsible for making sure that users are properly configured with the appropriate roles and associated limits statements can only be pulled for a time period that is in the past true falsefalse left unhandled content type false left unhandled content type false left unhandled content type false left unhandled content type false left unhandled content type false left unhandled content type false left unhandled content type false left unhandled content type false left unhandled content type false left unhandled content type false left unhandled content type false left unhandled content type click the 3 dot menu, 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 true falsefalse left unhandled content type false left unhandled content type false left unhandled content type false left unhandled content type false left unhandled content type false left unhandled content type false left unhandled content type false left unhandled content type false left unhandled content type false left unhandled content type false left unhandled content type false left unhandled content type false left unhandled content type false left unhandled content type false left unhandled content type false left unhandled content type false left unhandled content type false left unhandled content type false left unhandled content type false left unhandled content type false left unhandled content type false left unhandled content type false left unhandled content type false left unhandled content type false left unhandled content type false left unhandled content type false left unhandled content type false left unhandled content type false left unhandled content type false left unhandled content type false left unhandled content type false left unhandled content type false left unhandled content type false left unhandled content type false left unhandled content type false left unhandled content type false left unhandled content type false left unhandled content type false left unhandled content type false left unhandled content type statement entries true falsefalse left unhandled content type false left unhandled content type false left unhandled content type false left unhandled content type false left unhandled content type false left unhandled content type false left unhandled content type false left unhandled content type false left unhandled content type false left unhandled content type false left unhandled content type false left unhandled content type false left unhandled content type false left unhandled content type 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 holds tab in the holds tab, you can search for and view holds on a deposit account using these search filters true falsefalse left unhandled content type false left unhandled content type false left unhandled content type false left unhandled content type false left unhandled content type false left unhandled content type false left unhandled content type false left unhandled content type deposit account hold information displays as follows true falsefalse left unhandled content type false left unhandled content type false left unhandled content type false left unhandled content type false left unhandled content type false left unhandled content type false left unhandled content type false left unhandled content type false left unhandled content type false left unhandled content type false left unhandled content type false left unhandled content type false left unhandled content type false left unhandled content type false left unhandled content type false left unhandled content type remove a hold from the list of holds by clicking x to place a hold on an account click the 3 dot menu select place hold and fill in the fields click save restrictions tab the restrictions tab displays details of restrictions placed on a deposit account to remove a restriction from the list of restrictions, click x true false 118false left unhandled content type false left unhandled content type false left unhandled content type false left unhandled content type false left unhandled content type false left unhandled content type false left unhandled content type false left unhandled content type false left unhandled content type false left unhandled content type false left unhandled content type false left unhandled content type false left unhandled content type false left unhandled content type false left unhandled content type false left unhandled content type false left unhandled content type false left unhandled content type false left unhandled content type false left unhandled content type false left unhandled content type false left unhandled content type to add a restriction on the deposit account click the 3 dot menu select add restriction and fill in the fields click save stop payments tab 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 true falsefalse left unhandled content type false left unhandled content type false left unhandled content type false left unhandled content type false left unhandled content type false left unhandled content type false left unhandled content type false left unhandled content type false left unhandled content type false left unhandled content type false left unhandled content type false left unhandled content type false left unhandled content type false left unhandled content type to stop a payment click the 3 dot menu, select stop payment , and fill in the fields as necessary click place stop payment account snapshot the account snapshot area displays summary information by current month, year to date (ytd) and life time true falsefalse left unhandled content type false left unhandled content type false left unhandled content type false left unhandled content type false left unhandled content type false left unhandled content type false left unhandled content type false left unhandled content type false left unhandled content type false left unhandled content type false left unhandled content type false left unhandled content type false left unhandled content type false left unhandled content type false left unhandled content type false left unhandled content type false left unhandled content type false left unhandled content type false left unhandled content type false left unhandled content type false left unhandled content type false left unhandled content type false left unhandled content type false left unhandled content type false left unhandled content type false left unhandled content type false left unhandled content type false left unhandled content type false left unhandled content type false left unhandled content type false left unhandled content type false left unhandled content type false left unhandled content type false left unhandled content type false left unhandled content type false left unhandled content type deposit account tasks from the screen detailing a specific account you can perform these actions on your account deposit funds see posting transactions withdraw fun ds see posting transactions close account to close an account the balance must be zero click close account and fill fields click confirm open sub ledger see open a deposit sub ledger account v i ew subledger the subledger accounts are listed in the deposit accounts sub ledgers search screen for more information see subledgers view interest displays details of the breakdown of interest paid on an account click the filter icon to toggle the search fields, and enter relevant search parameters click search accruals tab false falsefalse unhandled content type false unhandled content type false unhandled content type false unhandled content type false unhandled content type false unhandled content type false unhandled content type false unhandled content type false unhandled content type false unhandled content type false unhandled content type false unhandled content type false unhandled content type false unhandled content type false unhandled content type false unhandled content type false unhandled content type false unhandled content type false unhandled content type false unhandled content type payments tab false false 132false unhandled content type false unhandled content type false unhandled content type false unhandled content type false unhandled content type false unhandled content type false unhandled content type false unhandled content type false unhandled content type false unhandled content type false unhandled content type false unhandled content type false unhandled content type false unhandled content type false unhandled content type false unhandled content type false unhandled content type false unhandled content type false unhandled content type false unhandled content type view ta x doc uments a record of the tax documents associated with the deposit account displays here click view tax documents false false 151false unhandled content type false unhandled content type false unhandled content type false unhandled content type false unhandled content type false unhandled content type false unhandled content type false unhandled content type false unhandled content type false unhandled content type false unhandled content type false unhandled content type false unhandled content type false unhandled content type vi ew settlements click view settlements to display a list of deposit account settlements within a date period true falsefalse left unhandled content type false left unhandled content type false left unhandled content type false left unhandled content type false left unhandled content type false left unhandled content type false left unhandled content type false left unhandled content type false left unhandled content type false left unhandled content type click a settlement in the list to view the settlement details true falsefalse left unhandled content type false left unhandled content type false left unhandled content type false left unhandled content type false left unhandled content type false left unhandled content type false left unhandled content type false left unhandled content type false left unhandled content type false left unhandled content type false left unhandled content type false left unhandled content type false left unhandled content type false left unhandled content type false left unhandled content type false left unhandled content type false left unhandled content type false left unhandled content type false left unhandled content type false left unhandled content type false left unhandled content type false left unhandled content type false left unhandled content type false left unhandled content type false left unhandled content type false left unhandled content type false left unhandled content type false left unhandled content type false left unhandled content type false left unhandled content type to search the settlements by a selected date period, click the filter icon to toggle the search fields, and enter the starting and ending dates click search vi ew notes you can see any notes that have been saved for the deposit account true falsefalse left unhandled content type false left unhandled content type false left unhandled content type false left unhandled content type false left unhandled content type false left unhandled content type false left unhandled content type false left unhandled content type false left unhandled content type false left unhandled content type false left unhandled content type false left unhandled content type to add a note the account click add note and fill in the fields in the create new note click submit the new note appears in view notes vie w tags click view tags to display tag information true falsefalse left unhandled content type false left unhandled content type false left unhandled content type false left unhandled content type false left unhandled content type false left unhandled content type false left unhandled content type false left unhandled content type false left unhandled content type false left unhandled content type false left unhandled content type false left unhandled content type click a tag in the list to view the details of the tag to create a new tag click add tag and fill in the fields click submit , the new tag appears in the view tags search for deposit accounts go to core > deposit accounts search by id or click filter and enter your search parameters true falsefalse unhandled content type false unhandled content type false unhandled content type false unhandled content type false unhandled content type false unhandled content type false unhandled content type false unhandled content type false unhandled content type false unhandled content type false unhandled content type false unhandled content type false unhandled content type false unhandled content type false unhandled content type false unhandled content type false unhandled content type false unhandled content type click search the search results display in the deposit accounts list each row in the list represents an individual deposit account true falsefalse unhandled content type false unhandled content type false unhandled content type false unhandled content type false unhandled content type false unhandled content type false unhandled content type false unhandled content type false unhandled content type false unhandled content type false unhandled content type false unhandled content type false unhandled content type false unhandled content type false unhandled content type false unhandled content type false unhandled content type false unhandled content type open a deposit account click core click deposit accounts click open account fill in the fields true falsefalse unhandled content type false unhandled content type false unhandled content type false unhandled content type false unhandled content type false unhandled content type false unhandled content type false unhandled content type false unhandled content type false unhandled content type false unhandled content type false unhandled content type false unhandled content type false unhandled content type false unhandled content type false unhandled content type false unhandled content type false unhandled content type false unhandled content type false unhandled content type