NetCheck V3 User Guide

Transcription

Worldwide Experts in Electronic Payments
NetCheck V3
User Guide
Version 3.0 dated March 15th, 2005
B ANK S ERV ® 2000
NOTE: THE INFORMATION FURNISHED HEREIN IS CONFIDENTIAL AND SHALL NOT BE DUPLICATED, PUBLISHED OR DISCLOSED, IN WHOLE OR
IN PART, WITHOUT THE PRIOR WRITTEN PERMISSION OF BANKSERV®.
TABLE OF CONTENTS
CHAPTER 1 INTRODUCTION......................................................................................4
ABOUT THIS GUIDE ......................................................................................................... 4
CONVENTIONS IN THIS MANUAL ..................................................................................... 5
RELATED PRODUCTS ....................................................................................................... 5
CONTACT INFORMATION ................................................................................................. 5
CHAPTER 2 ABOUT NETCHECK ...............................................................................6
HOW THE PROGRAM WORKS .......................................................................................... 6
SYSTEM REQUIREMENTS ................................................................................................. 6
BENEFITS ........................................................................................................................ 6
GETTING STARTED .......................................................................................................... 7
MAIN MENU .................................................................................................................... 8
CHAPTER 3 PROCESSING RETURNS .......................................................................9
RETURNS ......................................................................................................................... 9
RETURN ITEM DETAIL ................................................................................................... 11
Item History.......................................................................................................................................... 13
Check Image ......................................................................................................................................... 14
To generate an export file..................................................................................................................... 16
To move a return to collected status..................................................................................................... 18
CHAPTER 4 PROCESSING QUERIES ......................................................................19
QUERY .......................................................................................................................... 19
Transactions Query .............................................................................................................................. 20
Returns Query....................................................................................................................................... 24
Cleared Items ....................................................................................................................................... 26
CHAPTER 5 PROCESSING REPORTS......................................................................27
REPORTS ....................................................................................................................... 27
Bank Balance........................................................................................................................................ 28
Batch File Confirmation....................................................................................................................... 31
Ach Risk Monitoring (ARM) ................................................................................................................. 33
NetCheck User Guide 3.0
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CHAPTER 6 ADMINISTRATIVE FUNCTIONS .......................................................37
ADMIN .......................................................................................................................... 37
Select Group ......................................................................................................................................... 38
Edit Groups .......................................................................................................................................... 39
Password .............................................................................................................................................. 44
CHAPTER 7 LOG OUT .................................................................................................45
APPENDIX A .................................................................................................................46
RETURN CODE DESCRIPTIONS ....................................................................................... 46
NOTICE OF CHANGE DESCRIPTIONS .............................................................................. 47
APPENDIX B .................................................................................................................48
TRANSACTION TYPES AND STATUSES ........................................................................... 48
GLOSSARY
.................................................................................................................50
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Chapter 1
Introduction
NetCheck is BankServ’s powerful database reporting program designed to support ACH
(Automated Clearing House) and ICL (Image Cash Letter) check conversion services via the
Internet. NetCheck makes it simple to search the client database and retrieve customer
information. NetCheck allows you to easily manage item returns and re-deposits and is designed
to give you the flexibility you need to process your electronic information.
ABOUT THIS GUIDE
This guide provides business information to support the online management of the NetCheck
service. This guide contains the following chapters:
Chapter 1: “Introduction” describes NetCheck’s conventions used in this guide, as well as how
it’s organized.
Chapter 2: “About NetCheck” provides a description of the application including the processes,
benefits and system requirements.
Chapter 3: “Processing Returns” describes how the user can view returned items, as well as
manage and process check returns.
Chapter 4: “Processing Queries” describes how the user can query all transaction items.
Chapter 5: “Processing Reports” describes how to generate the NetCheck Bank Balance, Batch
File, and Risk monitoring reports.
Chapter 6: “Administrative Functions” describes how to establish user groups and user access
levels in NetCheck.
Chapter 7: “Log Out” demonstrates how the user terminates their NetCheck application session.
Appendix A: provides a complete listing and description of codes for returns and reasons for
change.
Appendix B: provides a list and description of all transaction types and statuses.
Glossary defines the most commonly used terms and functions in the NetCheck application.
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CONVENTIONS IN THIS MANUAL
Indicates a “How To” section providing step-by-step instructions for a specific
NetCheck application procedure.
NOTE:
Indicates a tip or helpful hint.
RELATED PRODUCTS
BankServ offers a full suite of electronic receivables solutions that utilize NetCheck's
robust reporting functions. The suite includes the following products:
•
•
•
SameDayPay for ACH WEB and credit card payments
SameDayPay/CSR for ACH TEL and credit card payments which utilize
NetCheck Reporting and Transaction status tools
DepositNowSm an integrated platform supporting both ARC conversion and Check
21 check truncation.
CONTACT INFORMATION
For customer service support, contact the following:
BankServ®
222 Kearny St.
Suite 400
San Francisco, CA 94108
415-277-9900
www.bankserv.com
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Chapter 2
About NetCheck
HOW THE PROGRAM WORKS
BankServ Clients utilize numerous applications to submit transactions. These transactions may
be debits or credits to a consumer account, and are processed using either ACH (Automated
Clearing House) or ICL (Image Cash Letter) files. Once a transaction is processed, NetCheck
provides various return processing, inquiry and reporting features. All NetCheck data is retained
and available to view in the Item History feature. The basic functional capabilities of NetCheck
are:
•
•
•
•
•
•
Original Item inquiry
Returned Item inquiry
Returned Item processing
Bank balance reports
File confirmation
Risk Monitoring
SYSTEM REQUIREMENTS
Before you launch the NetCheck application, make sure your computer meets the following
minimum system requirements in order to receive and respond to transactions:
•
•
•
Netscape Navigator or Internet Explorer 4.0 or higher
Internet connectivity with 56kb or higher speed
Imaging capability (refer to page 14 for installation instructions)
BENEFITS
For the client, NetCheck will:
•
•
•
•
Reduce losses by providing faster and more efficient clearing and settlement.
Simplify internal bookkeeping processes by processing returns and queries
through NetCheck’s easily navigated screens and hyperlinks.
Eliminate the need for upgrades via diskette or CD. NetCheck version updates
and enhancements will be served to the web without requiring user action.
Utilize security protocols to prevent unauthorized users from viewing the
transaction information in the application.
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GETTING STARTED
To connect to the NetCheck web site, you will be given the appropriate URL upon completion of
client configuration within the BankServ system. It must be entered exactly as given, including
capitalization and punctuation.
After successfully connecting to the NetCheck web site, enter the User Name and Password
provided by BankServ. The password must be six to eight characters in length and contain at
least one numeric digit. The user will be prompted to change their password immediately after
their first login, and every 60 days thereafter. Click on the OK button to access and view the
history of your check transactions.
NOTE: If you forget your password, contact BankServ Customer Service at 415-277-9900.
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MAIN MENU
Once you have accessed the NetCheck application, the main menu screen is displayed with the
various function buttons.
Use This Button
To
Locate items that have been charged back to the client’s account and
require user intervention.
Search for process transactions and return transactions such as
credits, notices of change, rejected items, and voided items.
Generate reports based on their process and return transaction data.
Establish user groups, passwords and user access levels in the
application.
Terminate the NetCheck application session.
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Chapter 3
Processing Returns
RETURNS
To process return transactions in NetCheck, select the Returns button from the top menu. The
frame on the left side of the screen lists the inbound (charged back) transactions by most recent
return date with the total number of returns in parentheses for that date.
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Click on the date to display the detail information in the Return Query Results section of the
screen.
The client has the ability in NetCheck to manage the workflow of return items by defining the
queue status. Click on the checkbox in the Select column and choose one of the following queues
that best describes its current status:
•
•
•
Collected: Use this output queue to indicate that the returned item has been paid.
Resubmit: Use this output queue to indicate that the returned item should be
resubmitted to ACH.
Uncollectable: Use this output queue to indicate that the returned item could not
be collected.
NOTE: Once the selected transaction item is moved from the Inbound queue to another
queue, it cannot be retrieved.
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RETURN ITEM DETAIL
From the Return Query Results screen, click on the reference number to view the detail
information for the return item.
NOTE: ICL items will be designated as an IMAGE ITEM in the Cust ID field. ACH
items will be either designated as an ARC ITEM, or will have no transaction
type.
The following information is displayed in the Check detail screen:
Field
Description
Customer Name
The customer that processed the transaction item.
Transit Routing
The ABA number that identifies the originating bank.
Account Type
Designate whether the account is a checking or savings account.
Bank Name
The bank name associated with the customer.
Consumer Transit
Routing
The ABA number that identifies the originating bank for the
consumer.
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Field
Description
Check Amount
The amount written on the item (may include cashback).
Check No.
The number on the check that identifies the item.
Tran Dt
The time and date the item was processed.
Consumer Name
The name of the consumer associated with this customer.
Consumer Phone
The phone number of the consumer associated with this customer.
Cust ID
The identifier specified by the client at the point-of-sale. In the case
of ARCPay II items this field will also indicate whether the item is an
ARC (ACH) or IMAGE (ICL) item.
Current Status
The status of the item.
Effective date
The date of the most recent activity for the item.
Transaction Type
The action to be taken with the item at the bank. There are three in
this category: FEE, ORIGINAL, and SETTLEMENT.
Comments
These are BankServ generated comments regarding the transaction.
Return Date*
The date that the item was last returned.
Customer ID
The number used by BankServ to identify the client.
Account No.
The bank account number associated with the item.
Credit/Debit
Indicates whether it is a credit or debit transaction
Bank Phone
The customer service number at the receiving bank.
Consumer
Account No.
The bank account number associated with the consumer.
Sale Amount
The amount of the sale transaction.
Check Dt.
The date the item was processed.
Image
The hyperlinks that will launch the front and back check image for
the item, if available. (See Check Image on page 14 for steps on how
to view the check image on your desktop.)
Consumer Address
The address of the consumer.
Consumer Email
The email address of the consumer.
Cust Ref #
The tracking reference number associated with the item.
Sent To Bank
Indicates if and when the item was sent to the bank.
Settlement Date
Indicates if and when the bank settled the item.
Clear Date
The date on which the item is assumed to be cleared (normally 8 days
after the item was submitted without any subsequent return activity)
Product Type
BankServ under which the item was processed.
Queue*
Current return queue in which the item resides.
* Return Date and Queue are only displayed if the item has return activity
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ITEM HISTORY
A helpful feature in many of the detail screens in NetCheck is the section of the screen called
Item History that allows the user to quickly track the history of an item by displaying status
changes during the life of the item.
The following fields are displayed in the Item History section of the Return Query Detail screen:
Field
Description
Status
The status field contains one of the following to describe the item:
(See Appendix B for a definition of the Status field options.)
Date
The date the status was applied to the item.
Return Code
The code that specifies why the item was returned.
(See Appendix A for a complete listing of return codes.)
Return Description
The definition of the return code.
Bank
The ABA number that identifies the originating bank. (in the case of
items charged back to the client, the client’s ABA will be displayed.)
Account
The bank account number associated with the item.
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CHECK IMAGE
To set up your computer to generate the image on your desktop, complete the following steps:
Windows 98/Windows 2000
From the Start menu, Select Programs | Accessories | Imaging
From the imaging application, select Tools | General Options.
Select Open Images in: Imaging.
Click OK.
Images will be opened in Imaging for Windows® by default.
Windows NT
Select Start | Programs | Accessories | Imaging
From the imaging application, select View | Options | General.
Click OK.
Windows 95
The user may need to download the imaging application from Microsoft.
The Image field in the Check Detail and Return Detail screens contains two hyperlinks that
allows the user to view the front and back check images for the particular item displayed.
NOTE: If the Back image was not captured only the Front Image link will be displayed.
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When you select the image hyperlink a File download dialogue box will appear.
Click the radio button to open the check image file from its current location and click the OK
button.
The check image will appear within the browser.
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TO GENERATE AN EXPORT FILE
Results from the Return Query can be exported from NetCheck. The Export button allows
the user to create a comma separated file that can be downloaded to your local computer and
opened in another software program, such as an Excel spreadsheet.
•
Click the Export button at the bottom of the Query results screen.
•
Click on the “Click here to download” hyperlink to download the file.
•
Select the “Save this file to disk” and click the OK button to save to your computer.
•
Choose the file destination from the “Save in:” drop down list box and click the Save button
to save the file to your computer.
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•
The download screen will display the status and progress of the file download.
•
Click the Open button to open the file in an Excel spreadsheet.
Select All
Column
boundary
NOTE: To make the column widths fit the contents in the spreadsheet, click the “Select
All” button and then double-click the boundary to the right of any column
heading.
NOTE: Only Internet Explorer browser will launch an Excel spreadsheet version of the
file directly form the browser.
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TO MOVE A RETURN TO COLLECTED STATUS
Click the Returns button in the Header bar.
Click the date hyperlink corresponding to the Inbound return item.
•
The following will display:
•
Click the box in the Select column corresponding to the return item.
•
Highlight the queue corresponding to the action for the selected item and click on the “Move
Selected Items to Queue:” button.
NOTE: The same process applies when the user moves the return item to uncollectable
status or when the user wants to resubmit the item.
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Chapter 4
Processing Queries
QUERY
To process an item inquiry in NetCheck, click the Query button from the top menu. The frame on
the left side of the screen provides the five types of query you can perform in this function:
• Transactions Query
• Returns Query
• Cleared Transactions Query
• Receiver Query
Each of these query types can be used to create customized reports or to assist in customer
service research.
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TRANSACTIONS QUERY
The Transactions Query can be used to find all original pending and processed items, system
generated items such as settlement items, and either system generated or user generated
chargebacks and resubmitted items. It can also be used to find system generated fee items such as
transaction processing fees and return fees.
Click on the Transactions Query button to begin a search. Enter the pertinent information in the
fields in the Item Query Criteria portion of the screen, and click the Submit button to display the
results of your search.
Note: The more information specified in the query fields, the narrower the search results.
Note: Transaction Queries can be limited to combinations of transaction type and status
to create custom reports. See Appendix B for type and status combinations.
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The Transaction Query Results screen displays the items that matched the criteria entered.
The following guide is used in the Transaction Query Results line item detail:
•
•
•
Italics = Settlement Items are credits to the client account that offset consumer
debits.
Red = Rejected, declined, voided are items that have not been processed.
Reference number is a hyperlink to a detailed information screen.
Note: When processing in the BankServ system V3, a chargeback will result in the creation of a
new separate transaction with TYPE = CHARGEBACK. Any query that includes
chargebacks and is not limited by type will display two records, one with the Type/Status
display of ORIGINAL CHARGEBACKED and another with CHARGEBACK
CHARGEBACKED. The ORIGINAL CHARGEBACKED item is a placeholder for the
status change of the original item. The CHARGEBACK CHARGEBACKED item is the
one that will debit the client’s account. See Check Detail for cross referencing.
Note: Scrolling to the bottom of any Query Results screen will bring you to the Export Button
(See page 16 for functionality), and to item count and dollar amount totals. These totals
are of absolute value, do not differentiate between credits and debits, and will NOT
accurately reflect the activity of the queried time period unless the query is limited by
TYPE and STATUS (See Appendix B).
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The Transaction Detail screen is displayed by clicking on the reference number in the Transaction
Query Results screen. (All field descriptions have been previously defined on page 11 – Return
item detail screen.)
In the case of system generated items that are associated with other items, the ability to cross
reference to those associated items is available via a hyperlink at the bottom of the page. Select
Click Here for Associated Items to do the following:
•
•
•
SETTLEMENT – use this function to view the original consumer item(s) that
make up this credit.
CHARGEBACK - use this function to locate the original item.
FEES – use this function to locate the original item.
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To view settlement items
1.
From the Transaction Query Results screen, select the reference number of an item in
italics, which indicates settlement item.
•
Click the hyperlink Click Here for Associated Items.
•
The Settlement detail screen displays the original items that make up the settlement. Click on
a reference number hyperlink to view detail for a particular original item.
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RETURNS QUERY
Click on the Returns button to search for returned items. The Returns Query can be used to
search and view all returned transactions. Enter the pertinent information in the fields provided in
the Return Query Criteria portion of the screen, and click the Submit button to display the results
of your search.
Note: Click the Return Code drop down list box to select a specific return code, or leave
to view all return codes. See Appendix A for a complete listing of return codes.
Note: The more information specified in the query fields, the narrower the search results.
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The Return Query Results screen displays the items that matched the criteria entered. Unlike the
Transaction Query, the Return Query can have up to three entries for a particular item, one for
each time it returned. Both records will display identical data, except that the return date and
return code will change. See items (1) and (2) as an example.
1
2
The Return Code column contains some of the following most commonly used return codes (See
Appendix A for a complete listing of return codes):
Return Reason
Insufficient Funds
Closed Account
Invalid Account Number
Uncollected Funds
Customer Advises not Authorized
Account Frozen
Amount Field Error
ACH return Code
R01
R02
R04
R09
R10
R16
R19
25
ICL Return Code
A
D
E
B
Q
F
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The Return Detail screen is displayed by clicking on the reference number in the Return Query
Results screen.
See page 11 for a definition of the fields in the reference detail screen.
CLEARED ITEMS
The Cleared Item Query is identical to the Transactions Query except that it will only return items
for which it is assumed there will be no future return activity. Though neither the ACH nor the
ICL systems confirm funding, BankServ considers any original or resubmitted item which has
had no return activity for eight or more days to be CLEARED.
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Chapter 5
Processing Reports
REPORTS
To generate reports in NetCheck, click the Reports button from the top menu. The frame on the
left side of the screen lists the reports you can produce in this function.
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BANK BALANCE
Select the Bank Balance report to view all transaction information for one customer, for a specific
time period.
If you have multiple client accounts with BankServ the Customer drop down allows you to limit
the reports to one account. Click the drop down list box to select the Customer and enter the date
range in the From Date and To Date fields to generate a report of transaction dates and status.
Click the Run Report button to generate the report on screen.
Note: Leave the Date fields blank to view the previous two weeks of transactions.
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The Bank Balance Inquiry screen displays the client and report dates that matched the criteria
entered.
Click the Report Date field to display the Bank Balance Report. The Bank Balance Report
activity is arranged according to transaction type and status and provides the total amount for the
specified item.
The following fields are displayed on the Bank Balance Report screen:
Field
Description
Type
The transaction type.
Status
The status of the transaction item.
Reference Number
The reference number associated with the item.
Amount
The total dollar amount associated with the item.
Note: If a Client received multiple settlement or chargeback items in a single day they
will all appear on the same report.
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Click the Reference Number hyperlink to display detail for the specified activity. The Bank
Balance Detail screen displays the detailed transaction information.
Note: To view the items from which the settlement or chargeback item was generated,
select Click Here for Associated Items link.
See page 11 for a definition of the fields in the item detail screen.
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BATCH FILE CONFIRMATION
Clients who process with BankServ via Batch File upload may use NetCheck to confirm their
transmissions. Select the BATCH FILES report to view file confirmations. Select a group from
the drop down menu, and indicate the date range in which you are interested.
You will be presented with a summary of each of the files that were submitted to BankServ
within that date range.
NOTE: If a file is rejected, or accepted with one or more rejected items, the row will be
displayed in red.
Each confirmation will include the following data:
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Field
BankServ File ID
Description
System generated File ID
Cust File ID
A unique client generated file ID. V3 batch spec header 40-51.
File Creation Date
Generated by client. V3 batch spec header 52-65.
File Name
Must be unique for each client.
File Status
File will have the status of ACCEPTED, with or without rejected
items, or REJECTED, if the entire file is rejected.
BankServ Comments
Accepted Count
Number of items in the file that have been accepted for processing.
Accepted Amount
Total dollar amount of the items that have been accepted for
processing.
Rejected Count
Number of items in the file that will not be processed.
Rejected Amount
Total dollar amount of the items in the file that will not be processed.
Group Name
Name of the BankServ group under which the ile was processed.
To view the items that where in a file select the BankServ File ID for that file.
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ACH RISK MONITORING (ARM)
Select the RISK report to enter the ACH Risk Monitoring module. A new window will open
containing the welcome screen below:
button. You will be
Choose a receiver group from the drop down menu and select the
presented with the merchants in that group. Select the receiver(s) you would like to monitor and
indicate the date range in which you are interested.
NOTE: To select multiple merchants hold the SHIFT key (for all merchants in the
selected range) or the CTRL key (for a non-continuous selection of merchants)
while making your selection.
Once you have
reports:
•
•
•
selected the merchants and date range you may choose between three ARM
A Detailed Report
A Summary Report by Merchant
A Summary Report by SEC code
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Detailed Report
To monitor each of the merchants you have selected individually select the
button. At the top of the screen you will be presented with a summary
containing the following:
• The date range queried
• The merchants selected
• The transaction and return volume for the first merchant
To view return activity by SEC code and return reason, scroll down. A separate table
will be present for each of the SEC codes under which that merchant has processed.
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At the bottom of the page you will find another summary of the return activity for this
merchant. You will also find link to move from one merchant to the next.
Summary Report by Merchant
To monitor all
button. At the
following:
•
•
•
merchant activity on one page select the
top of the screen you will be presented with a summary containing the
The date range queried
The merchants selected
The transaction and return volume for all merchants combined
Scroll down to view each of the merchant’s transaction and return activity, segregated by
SEC code.
Summary Report by SEC code
To monitor all activity by Standard Entry Class select the
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button. At the
following:
•
•
•
top of the screen you will be presented with a summary containing the
The date range queried
The merchants selected
The transaction and return volume for all merchants combined
Scroll down to find a separate table for each of the SEC codes under which the selected
merchants have processed.
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Chapter 6
Administrative Functions
ADMIN
To establish user groups and user access levels in NetCheck, click the Admin button from the top
menu.
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SELECT GROUP
Click on the ‘Select Group’ button to display the Client Group hierarchy. If an client has
multiple BankServ accounts they may restrict user access to any level of the hierarchy. The
following illustrates the Group Hierarchy:
Master Group (e.g., Nutel Corp.)
Division Subgroup (e.g., Nutel Paper Mills)
Client Level Subgroup (e.g., Newsprint Mill)
Client Level Subgroup (e.g., Recycled Products Mill)
Once a group is selected, the application is in ADMIN mode for that particular group. As a result,
only certain functions are available that correspond to how user access has been established. This
feature allows the Client to provide the utmost in quality support for their Customers.
NOTE: Click on any of the group hyperlink to
select that group for Admin mode. On this
screen, the Admin function is now active in the
Nutel Paper Mills Subgroup.
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EDIT GROUPS
Click on the Edit Groups button to create subgroups and users, and assign and restrict user access
to one or more BankServ Client accounts.
NOTE: The Edit Groups button may not be enabled if you do not have administrative
authorization.
The Summary
hyperlink
provides a
listing of
current users
and Client
Accounts.
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To create a subgroup for a client account
Click Edit Groups from the main Admin menu. Click the group that you want to add
a Subgroup under and then click on Add Subgroup.
Enter the Group name and Description for the Subgroup and Click the Save button.
Click on the name of the Subgroup you have created. Click on the Customers link
next to the subgroup name.
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Click on Add Customer to Group.
Select customer(s) from the list and Click the Add button.
NOTE: To select more than one customer, hold down the Ctrl key while selecting the
customer(s) from the list with your mouse.
The screen will display the hierarchy to include the subgroup and group of customer(s)
you just added.
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To create a user
Click Edit Groups from the main Admin menu. Click on the group where the new
user is to be added.
Click Users next to that Group name. Click the Add User hyperlink in the bottom
portion of the screen.
Enter the new user information and tab between each field entry.
Enter the User Name as first name initial and full last name, i.e., Super User entered
as Suser.
Enter the complete Last name.
Enter the complete First name.
Enter the complete Phone number.
Leave N for Admin unless the user is the administrator.
Enter the Password for the user.
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Click on the checkboxes that correspond to the security and access authorized for the
user. Click Save when all information is entered for the new user within the
subgroup.
NOTE: When a function is checked, this allows the user to view and take action with the item.
When the function is not checked, it is unavailable for that user.
Security Checkboxes
Returns Processing: view the resubmit and returns screen.
Returns Move: move inbound return items to resubmit, collected or uncollectable
status.
Bank Balance Report: view transaction activity for customer(s) for a specified time
period.
Query: search for check and return transaction items.
View Images: view the check image(s) associated with the transaction.
View Full Account Number: view the complete account number that usually displays
the last four digits only.
Scan Check: Allows an ARCPay II user to capture check images.
Data Entry: Enables an ARCPay II user to enter data related to a scanned check.
Batch Operations: Enables an ARCPay II user to void, submit, or archive batches.
Extract Report: Enables an ARCPay or ARCPAY II user to extract and download
reports.
BatchPay Access: Allows user access to Batch file reports from within NetCheck.
NOTE: Click the Cancel button to exit this screen without saving the new user information.
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PASSWORD
Click on the Password button to change your NetCheck password. The password must be unique
for that user and changed once the old password expires every 60 days.
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Chapter 7
Log Out
Click on the LOG OUT button from the main menu at the top of the screen. This will terminate
your NetCheck session.
NOTE: Select the Click Here to Log In link if you logged out in error, or want to start
another NetCheck session.
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Appendix A
ACH RETURN CODE DESCRIPTIONS
R01
R02
R03
R04
R05
R06
R07
R08
R09
R10
R11
R12
R13
R14
R15
R16
R17
R18
R19
R20
R21
R22
R23
R24
R25
R26
R27
R28
R29
R30
R31
R32
R33
R34
R61
R62
R63
Insufficient Funds
Account Closed
No Account/Unable to Locate Account
Invalid Account Number
Required Pre-notification not Received
Returned per ODFI’s Request
Authorization Revoked by Customer (adjustment entries)
Payment Stopped
Uncollected Funds
Customer Advises not Authorized (adjustment entries)
Check Truncation Entry Return (RDFI to specify in addenda)
Branch Sold to Another DFI
RDFI not Qualified to Participate
Account-holder Deceased
Beneficiary Deceased
Account Frozen
File Record Edit Criteria
Improper Effective Entry Date
Amount Field Error
Non-Transaction Account
Invalid Company Identification
Invalid Individual ID Number
Credit Entry Refused by Receiver
Duplicate Entry
Addenda Error
Mandatory Field Error
Trace Number Error
Routing Number Check Digit Error
Corporate Customer Advises not Authorized
RDFI not Participant in Check Truncation Program
Permissible Return Entry
RDFI Non-settlement
Return of XCK Entry
Limited Participant DFI
Misrouted Return
Incorrect Trace Number
Incorrect Dollar Amount
46
March 15th, 2005
ACH NOTICE OF CHANGE DESCRIPTIONS
C01
C02
C03
C04
C05
C06
C07
C08
C09
C10
C11
C12
Incorrect DFI account number
Incorrect routing number
Incorrect routing number and incorrect DFI account number
Incorrect individual name
Incorrect transaction code
Incorrect DFI account number and transaction
Incorrect routing number, DFI number and transaction code
Reserved
Incorrect individual identification number
Incorrect company name
Incorrect company identification
Incorrect company name and identification
ICL RETURN CODE DESCRIPTIONS
A
B
C
D
E
F
G
H
I
J
K
L
M
N
O
P
Q
R
S
T
U
V
W
NSF Not Sufficient Funds
UCF - Uncollected Funds Hold
Stop Payment
Closed Account
UTLA - Unable to Locate Account
Frozen/Blocked Account
Stale Dated
Post Dated
Endorsement Missing
Endorsement Irregular
Signature(s) Missing
Signature(s) Irregular
Non-Cash Item (Non Negotiable)
Altered/Fictitious Item
Unable to Process (e.g. Mutilated Item)
Item Exceeded Dollar Limit
Not Authorized
Branch/Account Sold (Wrong Bank)
Refer to Maker
Stop Payment Suspect
Unusable Image (Image could not be used for required business
purpose)
Image fails security check
Cannot Determine Amount
47
March 15th, 2005
Appendix B
TRANSACTION TYPES AND STATUSES
Type = Original
Status
Description
PENDING ACH
Item prepared to be sent in next ACH or ICL file.
ACHED
Item has been sent to the originating bank..
CLEARED
Item sent 8 or more days ago with no subsequent return activity.
RETURNED
PENDING RESUBMIT
Item returned by receiving bank (see Appendix A for return
reason descriptions)
Item prepared for resubmission in the next ACH or ICL file.
RESUBMITTED
Item resubmitted.
PENDING CHARGEBACK
Item prepared to be charged back to the BankServ client.
CHARGEDBACK
Item charged back to the BankServ client.
REJECTED
Item rejected due to format or processing errors.
DECLINED
Item declined due to negative or velocity error.
VOIDED
Item voided prior to processing.
Type = SETTLEMENT
Status
Description
PENDING SETTLEMENT
Item prepared to be sent in next ACH file.
SETTLED
Item has been sent to the ACH system.
RETURNED
PENDING RESUBMIT
Item prepared for resubmission in the next ACH file.
RESUBMITTED
Item resubmitted to the ACH system.
PENDING CHARGEBACK
CHARGEDBACK
48
March 15th, 2005
Type = NSF Fee
Status
Description
PENDING ACH
Item prepared to be sent in next ACH file.
ACHED
Item has been sent to the ACH system.
CLEARED
PENDING RESUBMIT
Item sent to ACH 8 or more days ago with no subsequent return
activity.
Item prepared for resubmission in the next ACH file.
RESUBMITTED
Item resubmitted to the ACH system.
PENDING CHARGEBACK
CHARGEDBACK
REJECTED
Item rejected due to format or processing errors.
DECLINED
Item declined due to negative or velocity error.
VOIDED
Item voided prior to processing.
RETURNED
49
March 15th, 2005
Glossary
ACH
Automated Clearing House. The ACH network is an electronic funds
transfer system that provides inter-bank clearing of electronic payments
for participating depository financial institutions.
ACHED
The status that indicates an a file containing the item has been sent.
CHARGEBACKED
The status that indicates a returned item has resulted in a debit
settlement to the client.
CLEARED
The status that indicates an item has been settled and there has been no
return activity for eight or more days.
Consumer
The purchaser of services or goods provided by the BankServ client.
The owner of the account to which ACH debits are sent.
Conversion
The creation of an electronic item to be processed in lieu of a physical
one.
Client
The entity that accepts consumer transactions in payment for
merchandise or services.
NOC
Notice of Change. Indicates the bank has changed one part of the check.
Offset Credit
A credit to the client account to offset consumer debits.
Original
The transaction type that indicates the first action taken with the item.
Originating
Depository Financial
Institution (ODFI)
A participating financial institution that originates ACH entries at the
request of and by (ODFI) agreement with its customers.
PENDING ACH
The status that indicates an item has not yet been included in an ACH or
ICL file for processing.
PENDING
CHARGEBACK
The status that indicates an item is pending the settlement process.
PENDING
RESUBMIT
The status that indicates an item is pending resubmission for collection.
PENDING
SETTLEMENT
The status that indicates an item is pending clearing and settlement.
Query
The search function in NetCheck used when entering criteria to locate a
transaction item.
Receiving Depository
Any financial institution qualified to receive ACH entries.
50
March 15th, 2005
Financial Institution
(RDFI)
REJECTED
The status that indicates an item is rejected because it has already been
voided, is too late to void or the MICR reading was invalid.
Representment
The presentation of a check transaction that is a previous chargeback.
RESUBMITTED
The status that indicates a return item has been resubmitted for
collection.
RETURNED
The status that indicates an item has been received back from the RDFI
after the item was submitted.
SETTLED
The status that indicates the item has been settled.
Settlement
The transaction type that indicates the item has been settled.
Status
The field that defines the current processing situation for a particular
item such as ACHED, CLEARED, and RETURNED.
Transaction Type
The field that defines the action to be taken with the item at the bank.
There are three types: FEE, ORIGINAL, and SETTLEMENT.
VOIDED
The status that indicates the item has been voided.
51
March 15th, 2005

NetCheck V3 User Guide

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