Accounts

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 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 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 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 posting exceptions tab 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 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 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 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 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 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 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 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 holds tab in the holds 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 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 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 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 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 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 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 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 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 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 of 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 ta x doc uments 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 vi ew 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 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 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 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 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 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 filter description partner partner name or select from list of partner names product product name acct # deposit account number title account title status account status from search from date to search until date 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 click search the search results display in the deposit accounts list each row in the list represents an individual deposit account field description acct # account number status account status title account title product account product partner partner to who account is associated opened date account was opened current balance current balance of account available balance available balance of account open a deposit account click core click deposit accounts click open account fill in the fields field description partner partner product product customer customer account title account title street \[1 3] street \[1 3] city city state/ province state/ province postal code postal code country code country code