Hold Record

All Hold records contain the same fields, but Share Hold, Loan Hold, and Portfolio Hold records serve different functions.

This document contains the field name, field description, field number, mnemonic, data type, and default information for each field. Other pertinent information includes:

**Source**  
Indicates where the data in the field comes from:

    **User-entered**  
    The user creates the information in this field.

    **System-entered**  
    A system process populates the value for the field. This value can include data transmitted by the ATM network, when applicable.

    **System-calculated**  
    The system calculates but does not store the value of the field each time the field appears on an inquiry or file maintenance screen.## EFT Type

Hold Reuse Policy

The combination of the Hold Reuse Days parameter in the Miscellaneous Parameters and your policy regarding how frequently Hold records are purged can positively affect system processing. This is most apparent with online card transaction processing for systems that process a high volume of these transactions. There is also a positive effect on batch processing times.

The processing of Hold records in the system database is significantly more efficient if the system can reuse an existing expired Hold record instead of creating a new Hold record. This is because the creation of a new record requires that the entire account be rewritten. Overwriting an existing expired Hold record on the account in question frees processing resources for use elsewhere. Expired Hold records can be reused until they have been purged.

The recommendations are as follows:

• The Hold Reuse Days parameter is set to 15
• The Hold Reuse Method parameter is set to 1
• A 45–60 day policy for purging Hold records

Following these recommendations makes 30-45 days of Hold records available for reuse and minimizes the number of times a new Hold record must be created. (This is on an account-by-account basis. Only the Hold records from a particular account can be reused for that particular account.)

We recommend that you experiment with the recommended settings to find the combination that works best for your financial institution and implement these policies as soon as possible.

Note: Your financial institution must consider the use of Hold records for the following situations before modifying your specific policies regarding hold reuse and Hold record purges:

• The use of the Check Hold Print Option prompt in the Statement Generation batch program
• The use of Hold records for Regulation CC funds availability compliance
• The retention of Hold records for internal research purposes

The Hold record includes the following fields:

Hold Type

This field identifies the purpose of the Hold record.

Data Type Descriptions

(0) General Purpose

Select this option to hold any amount for any purpose defined by the credit union.

(1) Check Hold

Select this option to hold the entire amount of a check or a partial amount until the check clears. The system creates Hold records with this hold type during teller transactions, based on the check hold parameters in the Regulation CC Parameters.

When a teller initiates a hold and indicates that it is a non-local check (by selecting (2) Nonlocal # Day Hold at the Check Hold prompt), the system enters the current banking day in the Reference 1 field. The system also places an N in the Reference 1 field following the date (position 10).

(2) Certified Draft

Select this option to hold the entire amount of a certified draft or a partial amount until the certified draft clears.

The Reference 1 field must contain a draft number or range of draft numbers.

(3) Stop Draft

Select this option to stop payment on a draft (check). Use this hold type when you have received written authorization from the member. You can stop payment on a single draft or on a range of drafts.

The Reference 1 field must contain a draft number or range of draft numbers.

If you have not received written authorization from the member, set the Hold Type field to (7) Stop Draft verbal.

(4) Signature Auth

Select this option to reserve funds for a preauthorized debit or credit card purchase or transaction. The ATM software creates Hold records with this hold type and releases funds automatically. The screen displays SigAuth to distinguish between signature-based and point of sale (POS) holds.

(5) Pledge Hold

Select this option to hold funds pledged against a loan. When you create a Loan Pledge record and specify a share ID, the system creates a Share Hold record with the Hold Type field set to (5) Pledge hold under the specified Share record. The system cross-references the Share Hold record to the original Loan Pledge record. You cannot delete this type of Hold record until the loan is paid in full.

(6) Stop ACH

Select this option to prevent the system from posting an automated clearing house transaction. Use this hold type when you have received written authorization from the member.

You can specify whether this hold applies to debits, credits, or both by making the appropriate selection at the Reference 2 field.

If you have not received written authorization from the member, set the Hold Type field to (8) Stop ACH verbal.

(7) Stop Draft Verbal

Select this option to stop payment on a draft. Use this hold type when you have received only a verbal authorization from the member.

The Reference 1 field must contain a draft number or range of draft numbers.

Once you receive written authorization from the member, you can change the Hold Type field to (3) Stop Draft.

(8) Stop ACH Verbal

Select this option to prevent the system from posting an automated clearing house transaction. Use this Hold Type when you have received only a verbal authorization from the member.

You can specify whether this hold applies to debits, credits, or both by making the appropriate selection at the Reference 2 field.

Once you receive written authorization from the member, you can change the Hold Type field to (6) Stop ACH.

(9) Revoke ACH

Select this option to prevent the system from posting an automated clearing house transaction for as long as the Hold record remains in the account. To stop all ACH transactions, you must set the Hold Type field to (9) Revoke ACH and set the following fields as shown:

• Leave the Reference 1 field blank.
• Set the Payee Name field to ALL.
• Set the Hold Amount field to 0.00.

You can specify whether this hold applies to debits, credits, or both by making the appropriate selection at the Reference 2 field.

Use this code for single or recurring TEL and WEB entries.

(10) Merchant Verification

Select this option to hold funds when a merchant calls to verify that funds are available to cover a member’s check.

(11) Merchant Verification - Information

Select this option to indicate that a merchant called to verify the availability of funds. This hold type is informational only and does not cause the system to hold funds.

(12) Uncollected Fee

Select this option to place a hold when the system cannot collect a fee because the funds are not available. Batch posting programs place this hold type if you set the Uncollected Fee Option parameter in the Miscellaneous Parameters to Take Only Full Fees When Balance Covers the Full Fee or Take Partial Fees Whenever Any Balance Exists.

The Daily Posting batch program collects the fee when funds are available and expires the Hold record. If the hold is for a loan, the system posts the fee as a loan advance.

Tip: The system does not create uncollected fee holds for loans automatically. Create them manually, either in the Account Manager or with a specfile.

(13) Loan Draft

Select this option to place a hold on a preapproved loan draft for a zero-balance preapproved loan. This hold type lets you track outstanding preapproved loan drafts.

A loan draft hold is intended only for preapproved loan drafts to loans with the Loan Code field set to (0) Closed End, (1) Open End, or (6) LOC Combination. Type 00 in the Hold Amount field, and leave the Expiration Date field blank. The Draft Posting batch program uses the Credit Limit field in the Loan record to determine the maximum dollar amount permitted. When the pre-approved loan draft posts to the loan during the Draft Posting batch program, the system fills in the actual amount of the draft in the Hold Amount field and enters the draft posting date in the Expiration Date field.

(14) Bill Payment

Select this option to place a hold on a member draft used for bill payment until the draft posts to the account or until the hold expires.

(15) Bill Payment - Information

Select this option to indicate that a member draft is being used for bill payment. This hold type is informational only and does not cause the system to hold funds.

(16) Unauthorized ACH Stop

Select this option to create Hold records for unauthorized ACH transactions. The ACH Posting program checks for this type of hold, and checks to make sure that it exists it (and that matches the ACH transaction), stops the ACH transaction, and prints it on the exception report.

You can specify whether this hold applies to debits, credits, or both by making the appropriate selection at the Reference 2 field.

Tip: Before you create a Hold record of this type, the member should have provided all the required proofs that the ACH transaction is unauthorized. See your ACH manual for requirement details.

(17) ACH Origination

Select this option to place a hold on a Share or Loan record that is being used for ACH Origination.

(18) ACH DNE

Select this option to place a hold on a Share or Loan record when a Death Notification Entry (DNE) is received. This stops all Treasury-disbursed payments.

Note: Do not create an ACH DNE hold manually unless you receive an official DNE from a government agency through the normal ACH process and your ACH Posting batch program was not able to create the hold due to an exception, or your ACH Posting batch job was not set up to process DNE holds automatically. The ACH DNE hold has been specifically designed to meet the regulations of the Treasury Department; if you receive a death notification from any other source (other than an ACH DNE), do not create an ACH DNE hold.

(19) PIN Auth

Select this option to place a hold on PIN- or POS-based transactions. The ATM software creates Hold records with this hold type and releases funds automatically. The screen then displays PIN Auth to distinguish between signature-based and PIN- or POS-based holds.

With POS transactions, the member is typically purchasing gasoline. The merchant verifies that the member has enough funds to cover the purchase before the member pumps the gasoline. This transaction is done with a preauthorization request, when a hold is placed on the member’s account. Once the member has completed the transaction, an online financial request is sent to the financial institution, the preauthorization hold is released, and the funds are withdrawn from the member’s account. This transaction is normally accomplished within a few minutes.

(20) Business Block ACH Debit

Select this option to prevent the system from posting ACH debits for member business shares. Specify which debits are blocked with Standard Entry Class (SEC) codes at the Reference 3 field.

(21) Wire Hold

Select this option to place the entire amount of a wire transfer on hold until the outgoing wire is posted.

(23) Faster Payments

Do not select option (23) Faster Payments, which is used for JHA PayCenter Zelle® payments. The system automatically creates a Hold record with this hold type when a Zelle payment is made.

You can release all hold types except (5) Pledge Hold and (9) Revoke ACH by setting the Expiration Date field to the current system date. Although you can also delete the Hold record to release the hold, setting the Expiration Date field to the system date provides a better audit trail. The system sets the Expiration Date field for some hold types automatically, based on information in the Regulation CC Parameters and the Miscellaneous Parameters. For more information about releasing a hold, review the information in the Expiration Date field section of this document.

Note: If you change the Hold Type field from (0) General Purpose to any other type of hold (except for (6) Stop ACH , (7) Stop Draft Verbal , (9) Revoke ACH , or (16) Unauthorized ACH Stop ), enter (or re-enter) the check number in the Reference 1 field, including any leading zeros. For hold types of (2) Certified Draft , (3) Stop Draft , or (7) Stop Draft Verbal , to specify a range of check numbers, also enter the ending check number in the Reference 2 field, including any leading zeros. If you do not enter the check numbers with their leading zeros, the system does not recognize them as check numbers after you change the hold type.

If you want to change the hold type from (0) General Purpose to any other type of hold, we recommend that you delete the original Hold record and create a new Hold record manually with the new hold type.

ACH Recurring Stop

This field indicates whether the Hold record is used to stop multiple ACH items.

You can set this field when creating or editing an ACH Hold record Hold Type field and setting it to (6) Stop ACH or (8) Stop ACH verbal).

Data Type Descriptions

(0) Single Stop (default)

The hold stops the first matching item that is received and expired by the ACH Posting batch program if the Expire Stop Payments prompt is set to Yes after a matching transaction is received.

(1) Recurring Stop

The hold stops all matching items received until the date in the Hold record Expiration Date field is reached. (If no expiration date is set, the hold remains in effect indefinitely.)

Although designed for use when the Stop Hold Type field is set to ACH or ACH Verbal, this field is visible in all Hold records.

Effective Date

This field stores the date that the hold should take effect or the date the hold was created for hold types 1–12 and 14–21, and for hold type (13) Loan Draft, it stores the date a preapproved loan draft form was issued to the member.

The default for all hold types is the system date.

Expiration Date

This field stores the expiration date of the hold.

If the system matches a preauthorization hold, it does not change the Expiration Date and Expiration Time fields, but instead sets the Match Date and Match Time fields.

Enter the date when the hold should be released. The system sets the expiration date automatically for some hold types.

• If the Hold Type field is set to (0) General Purpose, the system does not set an expiration date. Enter the date when the hold should be released.

• If the Hold Type field is set to (1) Check Hold, the system sets the Expiration Date field based on the system date and the in-state and out-of-state check hold days parameters in the Regulation CC Parameters. If the Last Day Available parameter is set to a value greater than 0.00, the system adds a day to this date.

• If the Hold Type field is set to (2) Certified Draft, the system sets the Expiration Date field based on the Certified Expiration Days parameter in the Miscellaneous Parameters. When the certified draft clears, the system updates the Expiration Date field with the system date.

• If the Hold Type field is set to (3) Stop Draft, the system sets the Expiration Date field based on the Stop Pay Expiration Months (usually six months) or Stop Pay Expiration Days parameter in the Miscellaneous Parameters. If both parameters are set, the Stop Pay Expiration Days parameter takes precedence. The system sets the Expiration Date field by adding the number of days or months from the parameter to the system date.

• If the Hold Type field is set to (4) Signature Auth, the system sets the Expiration Date field based on the AIX date and Online Main Parameters.

  Some ATM edit runs cause the system to create a preauthorization hold. If the ATM network sends a Preauthorization Lifetime notification, the system sets the Expiration Date field based on the hold days provided. If the network does not send this information, the system creates a one-hour hold and sets the expiration date as appropriate.

• If the Hold Type field is set to (5) Pledge Hold or (9) Revoke ACH, the system does not set an expiration date. You cannot access the expiration date field for records with these hold types. You can release these hold types by deleting the Pledge record. Pledge Hold records cannot be deleted until the loan has been paid in full. You cannot delete a share’s Hold record if it is tied to a Loan Pledge record. You can, however, delete the Loan Pledge record, which in turn deletes the Hold record.

• If the Hold Type field is set to (6) Stop ACH, the system does not post an automated clearing house transaction. Use this hold type when you have received written authorization from the member. You can specify whether this hold applies to debits, credits, or both by making the appropriate selection at the Reference 2 field.

  Tip: If you have not received written authorization from the member, set the Hold Type field to (8) Stop ACH Verbal .

• If the Hold Type field is set to (7) Stop Draft Verbal or (8) Stop ACH Verbal, the system sets the Expiration Date field based on the Verbal Stop Expiration Days parameter in the Miscellaneous Parameters. It does so by adding the days indicated in the parameter to the current system date. This ensures that a verbal stop payment expires automatically if the member does not provide written authorization within the designated period.

• If the Hold Type field is set to (10) Merchant verification or (11) Merchant Verification - Information, the system sets the Expiration Date field based on the Merchant Ver Hold Days parameter in the MemberConnect Parameters. When the draft clears, the system updates the Expiration Date field with the system date.

• If the Hold Type field is set to (12) Uncollected Fee, the system sets the expiration date to the system date when the Daily Posting batch program collects the fee.

• If the Hold Type field is set to (13) Loan Draft, you must manually enter the date after which the preapproved loan draft form is void. When Draft Posting posts the preapproved loan draft to the loan, the system enters the draft posting date in this field.

• If the Hold Type field is set to (14) Bill Payment or (15) Bill Payment - Information, the system enters the date that the hold expires based on the Bill Payment Hold Days prompt in the Bill Payment Posting batch program. If you create the hold manually, the system enters the date that the hold expires based on the Certified Expiration Days parameter in the Miscellaneous Parameters.

• If the Hold Type field is set to (16) Unauthorized ACH Stop, the system does not set an expiration date. The system makes the entry an exception and assigns an ACH return reason code to the item that attempted to post.

  ACCOUNT TYPE		STANDARD ENTRY CLASS (SEC) CODES
  CCD	CTX	RCK	POP	TEL	WEB	PPD
  Consumer Account		R05	R05	R10	R10	R10	R10	R10
  Corporate (Member Business) Account		R29	R29	R10	R10	R10	R10	R10

• If the Hold Type field is set to (17) ACH Origination, the system does not set an expiration date. The system expires the hold when it finds a matching ACH transaction.

• If the Hold Type field is set to (18) ACH DNE, the system does not set an expiration date. If a DNE was received in error, you can manually set the expiration date, and the ACH Posting batch program ignores it from that date forward.

• If the Hold Type field is set to (19) PIN Auth the system sets the expiration date based on the AIX date and Online Main Parameters.

• If the Hold Type field is set to (20) Business Block ACH Debit, you must manually enter the date after which the hold is expired.

• If the Hold Type field is set to (21) Wire Hold, the system sets the expiration date based on the Wire Hold Days parameter in the Miscellaneous Parameters by adding the days indicated in the parameter to the current system date.

The ACH Posting batch program can optionally expire Share Hold records with the Hold Type field set to (3) Stop Draft, (6) Stop ACH, (7) Stop Draft verbal, or (8) Stop ACH verbal. Select Yes at the Expire Stop Payments prompt to cause ACH Posting to set the Expiration Date field when an ACH payment is received to the current system date.

If the RB.AUTHHOLDS.EXPIRE.FM specfile expires the hold types, the Expiration Date field is changed to the system date that was recorded from the specfile output. This change can be reversed at the Undo a Posting from FM Posting Journal? prompt by selecting Yes while generating the report in Miscellaneous Processing. The Expiration Date reverts to the original system time.

For more information about setting the parameters that determine expiration dates, see the following topics: MemberConnect Parameters, Miscellaneous Parameters, and Regulation CC Parameters.

Expiration Time

This field stores the time when a hold should be released.

This field is ignored when the Hold Type field is set to (1) Check Hold as check holds are released at 12:00 a.m.

Your online network software can set the expiration time for a preauthorized hold, but it cannot set the expiration time for a deposit hold.

If the system matches a preauthorization hold, it does not change the Expiration Date and Expiration Time fields, but instead sets the Match Date and Match Time fields.

• If you accept the default of 12:00 AM, the system compares the system date to the Expiration Date field and expires the hold on the expiration date.
• The Expiration Time field cannot be changed from its default of 12:00 AM if the Expiration Date field is blank. Similarly, if you change the Expiration Date to a blank date from any other value, the system automatically sets the Expiration Time field to 12:00 AM.
• If you enter a specific time in 12-hour time format (AM/PM), the system compares both the Expiration Date and the Expiration Time fields to the current system date and time. This allows a signature authorization hold to expire within the correct number of hours, even on a weekend where the posting date does not match the actual date.
• Some ATM networks send a Preauthorization Lifetime notification specified in days, hours, and minutes when requesting a signature authorization hold. If enabled in Online Main Parameters, the system automatically sets the Expiration Date and Expiration Time fields based on these values. Some networks do not send this information, and for those networks, the system may place a one-, two-, or three-hour hold, and sets the Expiration Time field accordingly.

If hold types have been expired by the RB.AUTHHOLDS.EXPIRE.FM specfile, then the Expiration Time field is changed to the system date that was recorded from the specfile output. This change can be reversed at the Undo a Posting from FM Posting Journal? prompt by selecting Yes while generating the report in Miscellaneous Processing. The Expiration Time reverts to the original system time.

Record Change Date

This field stores the system date when you create, change, or save the Hold record.

The system may update this field because the record was saved, even though there may not be any actual changes in the record. However, the system does not change this field when a calculated field changes.

You cannot perform file maintenance on this field.

Hold Creation Date

This field stores the AIX date (mm/dd/yyyy) that you created the hold record.

If you authorize a hold while the system is in memo post mode, the system populates this field with the date from the memo post mode record.

Hold Creation Time

This field stores the AIX time (hh:mm:ss) that you created the hold record.

If you authorize a hold while the system is in memo post mode, the system populates the Hold Creation Time field with the time from the memo post mode record.

Match Date

This field stores the date of an authorization hold.

The system updates this field when an authorization hold matches, allowing the database to retain the original expiration date and time. If there is any date in this field, the system considers the hold expired.

Match Time

This field stores the time of an authorization hold.

The system updates this field when an authorization hold matches, allowing the database to retain the original expiration date and time.

Transaction Type

This field identifies the transaction type for PIN or signature authorization transactions for preauthorized loan holds only.

This field is only used for Loan Hold records, not for Share Hold records.

Data Type Descriptions:

• (0) Purchase (default)
• (1) Cash Advance

This information is derived from online authorization messages sent by the network, including the Cash Advance MCC List parameter in the Online Main Parameters.

You can perform file maintenance on this field from the Loan Hold record screen when the Hold Type field is set to (4) Signature Auth or (19) PIN Auth.

Cash advance Hold records created through batch programs do not update this field.

This field can be updated for all loan types; however, the system automatically updates this field to (1) Cash Advance when an online cash advance transaction targets a credit card loan (the Loan Code field is set to 3 and the Interest Type field is set to 10–8999).

A non-credit card approved authorization transaction (the Hold Type field is set to 4 or 19) sets the value of this field to (0) Purchase.

• (0) Not used for this hold
• (1) Not used for this hold

The field cannot be edited from the record window when the Hold record is not a Loan Hold with the Hold Type field set to (4) Signature Auth or (19) PIN Auth.

Fee Code

This field stores the code that determines the fee placed on the transaction.

If the Hold Type field is set to (12) Uncollected Fee, values stored in this field dictate how the Sub Source Code field appears in the Transaction record when the fee eventually posts. The system transfers the stored value to the Transaction record field when the Daily Posting batch program collects an uncollected fee.

If the Hold Type field is set to (12) Uncollected Fee, the value in this field must be within the range of currently defined values for the Sub Source Code field in the Transaction record when the Source Code in the Transaction record is F. This list appears as a drop-down menu.

If the Hold Type field is set to (4) Signature Auth or (19) PIN Auth, the system sets this field to indicate the types of fees the system is allowed to charge at the time of completion. This depends on the OD Transfer Fee Calc Option option and whether the system charges an overdraft fee based on the share’s available balance at the time of authorization.

• If this field is set to 0, the system allows charging any type of fee (transfer, courtesy pay, or non-sufficient funds) at completion.
• If this field is set to 1, the system does not charge any fee at completion.
• If this field is set to 2, the system allows charging a transfer fee at completion, but does not charge a courtesy pay or non-sufficient funds fee.
• If this field is set to 3, the system allows charging a courtesy pay or non-sufficient funds fee at completion, but does not charge a transfer fee.

For 0100 and 1100 messages, along with 0120 and 1120 messages, this field is only set if the Use Fee Status from Auth parameter in Online Main Parameters is set for the source code of the current message.

When the system receives a 0220 or 1220 completion message targeting a share, the system searches for a Share Hold record matching the completion message. If it finds a match, the system checks whether your financial institution has activated the Use Fee Status from Auth option for the source code of the current message (ATM, point-of-sale, signature, or bill payment). If so, the system checks this field to determine the fees it can charge (based on the current available balance).

If the Hold Type field is not set to (4) Signature Auth, (12) Uncollected Fee, or (19) PIN Auth, this field must be set to 0.

See Card Authorization and Posting Overdraft Fees for more information.

Hold Amount

This field stores the amount of money held.

Depending on the hold type, you can choose whether to fill in this field.

• If the Hold Type field is set to (0) General purpose, you must enter an amount to hold.

• If the Hold Type field is set to (1) Check hold, for holds placed through Teller Transaction, the system enters a value in the Hold Amount field automatically. If you place a check hold through the Account Manager, you must enter the hold amount manually.

• If the Hold Type field is set to (2) Certified Draft, (3) Stop Draft, or (7) Stop Draft verbal the following pertains:

  • If you enter an amount in the Hold Amount field and a draft number in the Reference 1 field, the system holds an item only if both the amount and the draft number match.
  • If you do not enter a hold amount, but you enter a draft number in the Reference 1 field, the system holds only the specified draft.

  When you select Yes at the Stop Suspect Based on Stop Amount Match? prompt in the Draft Posting batch program, it places a Stop Suspect Warn warning message on the Draft Exceptions report if the amount of a draft matches any stop hold amount. This warning occurs even if the draft number does not match the stop draft number or range. The Post Suspects prompt lets you determine whether drafts that are suspect are posted.

• If the Hold Type field is set to (4) Signature Auth, the ATM software or Credit and Debit Card Posting batch program fills in the hold amount when the Hold record is created.

• If the Hold Type field is set to (5) Pledge hold, then each time a transaction affects the loan, the system subtracts the balance change amount from the value in the Hold Amount field.

  For common pledge scenarios, see the Pledge Records topic.

• If the Hold Type field is set to (6) Stop ACH, (8) Stop ACH verbal, (9) Revoke ACH, or (16) Unauthorized ACH Stop, the following pertains:

  • If you enter an amount in the Hold Amount field and a company ID in the Reference 1 field, the system stops an item only if both the amount and the company ID match.
  • If you enter an amount in the Hold Amount field and a company name or description in the Payee Name field, the system stops an item only if both the amount and the company name or description match.
  • If you type 0.00 in the Hold Amount field, the system stops all ACH transactions for all amounts for the companies specified in the Reference 1 or Payee Name fields.
  • To stop all ACH transactions, do the following:
    • Type 0.00 in the Hold Amount field.
    • Leave the Reference 1 field blank.
    • Type ALL in the Payee Name field.

• If the Hold Type field is set to (10) Merchant verification, you must enter an amount manually to hold funds.

• If the Hold Type field is set to (11) Merchant verification - information, entering a hold amount is optional since the record is for information only and does not cause the system to hold funds.

• If the Hold Type field is set to (12) Uncollected fee, the system enters the amount of the uncollected fee.

• If the Hold Type field is set to (13) Loan Draft, the system sets this field to $0.00 when the hold is created, since the final dollar amount cannot be known until the member selects the vehicle to purchase. The Draft Posting batch program uses the Credit Limit field in the Loan record to determine the maximum dollar amount permitted. When the preapproved loan draft posts to the loan during the Draft Posting batch program, the system fills in the actual amount of the draft.

• If the Hold Type field is set to (14) Bill payment or (15) Bill payment - information, this field stores the amount of the member draft used for bill payment.

• If the Hold Type field is set to (17) ACH Origination, the system sets the Hold Amount field to match the Post Amount field in the EFT record.

• If the Hold Type field is set to (18) ACH DNE, the ACH Posting batch program sets this field to the next expected beneficiary payment from the DNE Addenda record. This field is for information only, and the system does not use it.

• If the Hold Type field is set to (19) PIN Auth, the ATM software or ATM Posting batch program fills in the hold amount when the Hold record is created.

• If the Hold Type field is set to (20) Business Block ACH Debit, the system enters $0.00 in the Hold Amount field.

• If the Hold Type field is set to (21) Wire Hold, the system sets the Hold Amount field to match the Amount field in the Wire record.

If the Hold Type field is set to (4) Signature Auth or (19) PIN Auth by the ATM software, the financial institution has enabled Overdraw Transfer Holds, the system receives an 01XX authorization message, and the primary share account does not have the full amount to cover but has overdraft Transfer Share or Loan records, the system sets the Hold Amount field on the primary share to the authorized amount minus any overdraft funds used to authorize the transaction. The system creates additional Hold records on the overdraft accounts with available funds and sets the Hold Amount field to the amount needed or the share/loan’s available balance, whichever is less until the full amount is covered or no other source is available. If the available balance of the overdraft Share or Loan record is $0.00 or negative, no hold is placed and the system moves on to the next available source.

Ledger Balance

This field stores the balance that the ATM software uses when it creates a PIN authorization or signature authorization Hold record.

When the system performs a PIN authorization or a signature authorization hold during memo post mode, the system populates this field with the available balance.

Original Hold Amount

This field stores the original authorization amount for a (4) Signature Auth or (19) PIN Auth. This amount may differ from the Hold Amount field if holds were placed on Overdraft Protection sources to secure funds for the authorization.

Available Balance

This field stores the value calculated by the ATM software to authorize a transaction.

The amount the ATM software enters in this field represents the balance after a transaction in which the ATM software creates a PIN authorization or signature authorization Hold record.

The ATM software uses this formula for shares:

AvailableShare Balance=Share Ledger Balance-Minimum Balance-Holds {Holds=Total Holds-Exclude Holds}
+OD Transfer {if you set appropriate parameters}+OD Tolerance {if you set appropriate parameters}

The ATM software uses this formula for loans:

AvailableShare Balance=Credit Limit-Loan Balance-Holds {Holds=Total Holds-Exclude Holds}
-Hold Pledge-Interest Due-Late Charges Due-Fees Due

When the system performs a PIN authorization or a signature authorization hold during memo post mode, the system populates this field with the available balance.

Reference 1

All the Reference # fields, store reference information that is related to the hold.

You can use uppercase or lowercase letters to enter any information related to the hold. The system enters reference information for some hold types automatically.

This field is used only for the following hold types:

• If the Hold Type field is set to (0) General Purpose, you can enter any information you choose in the Reference # fields.

• If the Hold Type field is set to (1) Check Hold, and if a teller transaction initiates the hold, the system enters the banking day on which the teller placed this hold in the Reference 1 field. If the teller indicates that it is a non-local check (by selecting (2) Nonlocal # Day Hold at the Check hold prompt), the system also places an N following the date (position 10).

• If the Hold Type field is set to (2) Certified Draft, you must enter a single draft number in this field.

• If the Hold Type field is set to (3) Stop Draft or (7) Stop Draft Verbal, enter a single draft number in the Reference 1 field, or enter a range of draft numbers, with the lowest draft number in the Reference 1 field and the highest draft number in the Reference 2 field. The system reformats the draft number to a 10-digit number with leading zeros.

• If the Hold Type field is set to (4) Signature Auth or (19) PIN Auth, the Online ATM software sets, as a default, positions 1–4 to the Merchant Category Code (MCC) and positions 5–10 to the authorization ID response.

• If the Hold Type field is set to (5) Pledge Hold, the system enters the member’s account number in the Reference 1 field of the Share Hold record.

• If the Hold Type field is set to (6) Stop ACH, or (8) Stop ACH Verbal, you can stop ACH transactions either for one company ID or all company IDs:

  • To stop ACH transactions for a single company ID, enter the company ID in the Reference 1 field. If you do not enter a hold amount, the system stops all ACH transactions for the specified company ID.
  • To stop ACH transactions with any company ID, leave the Reference 1 field blank and type ALL in the Payee Name field. If you do not enter a value in the Hold Amount field, the system stops all ACH transactions for all company IDs.

• If the Hold Type field is set to (9) Revoke ACH or (16) Unauthorized ACH Stop and you want to stop any ACH transactions, you must leave the Reference 1 field blank.

• If the Hold Type field is set to (10) Merchant Verification or (11) Merchant Verification - Information, you can enter the number of the draft in the Reference 1 field. The system reformats the draft number to a 10-digit number with leading zeros.

• If the Hold Type field is set to (12) Uncollected Fee, the system enters a description of the GL code to which the fee posts in the Reference 1 field. The Reference 1 field defaults to GL SERVICE (System Code 22 Share Service Fee). The other options available are as follows:

  • GL DRAFT: System Code 21 Draft Fee
  • GL LATE: System Code 30 Loan Late Charge

  You can enter GL xxx in the Reference 1 field, where xxx represents a credit union-defined GL code. When the Daily Posting batch program collects the fee, the system posts the fee amount to the GL account identified in the GL Translation Table for that GL code.

• If the Hold Type field is set to (13) Loan Draft, the Reference 1 field stores the draft number of the preapproved loan draft. When the Draft Posting batch program posts the preapproved loan draft to the loan, the system changes the Reference 2 field to RECEIVED.

• If the Hold Type field is set to (14) Bill Payment or (15) Bill Payment - Information, the Reference 1 field stores the draft number of the member draft used for bill payment, and the Reference 2 field stores the EFT group number for reference. When the draft clears, the system sets the Reference 2 field to RECEIVED.

• If the Hold Type field is set to (17) ACH Origination, the system sets the Reference 1 field in the Hold record to the Payee Name field in the Payee record and the Reference 2 field in the Hold record to the Audio ID field in the EFT record.

• If the Hold Type field is set to (18) ACH DNE, the ACH Posting batch program sets this field to the Date of Death field from the DNE Addenda record. This field is for information only and the system does not use it.

• If the Hold Type field is set to (20) Business Block ACH Debit, the Reference 1 field is not used.

• If the Hold Type field is set to (21) Wire Hold, the Reference 1 field must be a 10-digit number.

Note: The use of the Reference # fields varies according to the hold type. Because of this, if you accidentally create a Hold record with the wrong hold type, it is safest to delete the Hold record and create a new Hold record with the correct hold type.

Reference 2

All the Reference # fields, store reference information that is related to the hold.

You can use uppercase or lowercase letters to enter any information related to the hold. The system enters reference information for some hold types automatically.

This field is used only for the following hold types:

• If the Hold Type field is set to (0) General purpose, (10) Merchant verification, or (11) Merchant verification - information, you can enter any information you choose in the Reference 2 field.

  For options (10) Merchant verification, and (11) Merchant verification - information, when the Draft Posting batch program posts the preapproved loan draft to the loan, the system enters RECEIVED in the Reference 2 field.

• If the Hold Type field is set to (1) Check hold, and if the hold is placed through a teller transaction, the system enters the number of days the item is to be held and the reason number for any exception in the Reference 2 field. The system formats these entries as follows:

  • # days if there is no exception
  • # days ED (ED represents extra day) when the Last Day Available parameter in the Regulation CC Parameters is applicable.
  • # days R# if there is an exception (the R# is the Reason option number for the exception).
  • # days S# if the reason for the exception is reason (1) Reasonable Cause to Doubt Collectibility (S is the reason to doubt collectibility and # is the option you select at the prompt, such as (0) Other/Unspecified, (1) Postdated Check or any of the other four options for this prompt).

  Be sure to include all three possibilities in any PowerOn specfiles, SymXchange functions, or other operations involving this field.

• If the Hold Type field is set to (2) Certified Draft, you can enter a single draft number in this field.

• If the Hold Type field is set to (3) Stop Draft or (7) Stop Draft verbal, you can enter a single draft number in the Reference 1 field. Alternatively, you can enter a range of draft numbers, with the lowest draft number in the Reference 1 field and the highest draft number in the Reference 2 field. The system reformats the draft number to a 10-digit number with leading zeros.

• If the Hold Type field is set to (4) Signature Auth or (19) PIN Auth, the Online ATM software sets, as a default, positions 1–4 to the Local Transaction Date (MMDD) field and positions 5–10 to the Local Transaction Time (HHMMSS) field.

  Reference 2 is filled in as documented if the network supports the fields and the client is using Online Posting Parameters.

• If the Hold Type field is set to (5) Pledge hold, the system enters the loan ID in the Reference 2 field.

• If the Hold Type field is set to (6) Stop ACH, (8) Stop ACH verbal, (9) Revoke ACH, or (16) Unauthorized ACH Stop, you can use the Reference 2 field to identify whether a hold applies to debits only, credits only, or both debits and credits.

  • If the field begins with Debit, Withdrawal, or Addon (regardless of case), the hold applies only to ACH transactions that post as share withdrawals or loan add-ons.
  • If the field begins with Credit, Deposit, or Payment (regardless of case), the hold applies only to ACH transactions that post as share deposits or loan payments.
  • If the field begins with any other character strings, the hold applies to all transaction types.

  If multiple stop holds exist, only the first one is honored. To stop both credit and debit entries, do not create two Hold records.

  During manual file maintenance, when you use the Reference 2 field for one of these four ACH types, the system displays this message:

  DEBIT, CREDIT, or Blank for Both.
  

• If the Hold Type field is set to (12) Uncollected fee, the system enters the sequence number of the fee transaction in the Reference 2 field.

• If the Hold Type field is set to (13) Loan Draft, when the Draft Posting batch program posts the preapproved loan draft to the loan, the system enters RECEIVED in the Reference 2 field.

• If the Hold Type field is set to (14) Bill payment or (15) Bill payment - information, the Reference 2 field stores the EFT group number for reference. When the draft clears, the system sets the Reference 2 field to RECEIVED.

• If the Hold Type field is set to (17) ACH Origination, the system sets the Reference 1 field in the Hold record to the Payee Name field in the Payee record and the Reference 2 field in the Hold record to the Audio ID field in the EFT record.

• If the Hold Type field is set to (18) ACH DNE, the ACH Posting batch program sets this field to the Customer SSN field from the DNE Addenda record. This may or may not be the same as the Social Security Number contained in the Entry Detail record, which the system stores in the Payee Name field. This field is for information only, and the system does not use it.

  This hold applies to all Treasury-disbursed payments, not just ACH items that contain a SSN (which is not a standard field).

• If the Hold Type field is set to (20) Business Block ACH Debit, the system enters DEBIT in the Reference 2 field.

• If the Hold Type field is set to (21)Wire Hold, the Reference 2 field allows up to 10 characters.

If the Hold Type field is set to (17) ACH Origination, the system sets the Reference 1 field in the Hold record to the Payee Name field in the Payee record. The Reference 2 field in the Hold record is set to the four-digit Audio ID field in the EFT record and the system date that the hold was created.

Payee Name

The value in this field varies depending on the hold type.

• If the Hold Type field is set to (3) Stop Draft, or (7) Stop Draft verbal, the Payee Name field is filled in from the Stop Payment (SP) transaction code. It is used for information only.

• If the Hold Type field is set to (4) Signature Auth or (19) PIN Auth, the Payee Name field is filled in as the card acceptor name information from the ATM system. It is used for information only.

  If the ATM Dialog record Card Acceptor Name field is blank, the system pulls the name from the Card Acceptor Street field in the ATM Dialog record to fill in the Payee Name field in the Hold record.

  If the ATM Dialog record Card Acceptor Name and the Card Acceptor Street fields are both blank, the Payee Name is also blank.

  Typically, the Card Acceptor Name field and the Card Acceptor Street field belong to the same card acceptor; however, the system is pulling the information from the Card Acceptor Name field to fill in the Payee Name in the Hold record.

• If the Hold Type field is set to (6) Stop ACH, (8) Stop ACH verbal, (9) Revoke ACH, or (16) Unauthorized ACH Stop, the system stops an ACH withdrawal if the company name matches the Payee Name. If you also enter an amount in the Hold Amount field, both the company name and the amount must match to stop the withdrawal.

  To stop all ACH transactions, set the Hold Type field to (6) Stop ACH, (8) Stop ACH verbal, (9) Revoke ACH, or (16) Unauthorized ACH Stop, set the Payee Name field to ALL, leave the Reference 1 field blank, and set the Hold Amount field to 0.00.

• If the Hold Type field is set to (12) Uncollected fee, the system places the statement description for the fee in this field.

• If the Hold Type field is set to (13) Loan Draft, this field is not used.

• If the Hold Type field is set to (14) Bill payment or (15) Bill payment - information, this field stores the first 16 characters of the payee name.

• If the Hold Type field is set to (18) ACH DNE, the ACH Posting batch program sets this field to match the Individual ID field from the DNE Entry Detail record. This contains the nine-digit Social Security Number and alphanumeric subscript code under which the deceased recipient was being paid. This field is for information only, and the system does not use it.

The Payee Name field is not used for the following hold types:

• (0) General purpose
• (1) Check hold
• (2) Certified Draft
• (5) Pledge hold
• (10) Merchant verification
• (11) Merchant verification - information
• (17) ACH Origination
• (20) Business Block ACH Debit
• (21) Wire Hold

Member Branch

This field is used by corporate credit unions only and it stores the branch number if available.

This field can be blank to indicate that a draft does not have a member branch number, or it can contain a number to indicate the branch that issued the draft.

Stop Reason Code

This field stores the reason given for a stop.

This field is applicable only when the Hold Type field is set to (3) Stop Draft or (7) Stop Draft verbal

Data Type Descriptions:

• (0) Unknown
• (1) Lost
• (2) Stolen
• (3) Destroyed
• (4) Not Endorsed
• (5) Certified
• (6) Disputed
• (7) Returned Merchandise
• (8) Stopped/Canceled Service
• (9–98) Undefined (reserved for future use)
• (99) Other

You can specify values 0–8 and 99. Values 9–98 are reserved.

Reference 3

All the Reference # fields, store reference information that is related to the hold.

This field is used only for the following hold types:

• If the Hold Type field is set to (3) Stop Draft, you cannot modify this field

• If the Hold Type field is set to (4) Signature Auth or (19) PIN Auth, the Online ATM software sets positions 1–16 to match the Reference Number field and positions 17–31 to match the Preauthorization Key field. Positions 33–34 represent the Online Card Interface that placed the hold. Positions 35–40 are unused.

  This field is filled in as documented if the network supports the fields.

• If the Hold Type field is set to (7) Stop Draft verbal, you cannot modify this field.

• If the Hold Type field is set to (18) ACH DNE, the system populates this field with field 8, Individual Name, from the ACH DNE Notification record when the Hold record is created during ACH Posting.

  Tip: When you create a manual DNE hold in the Hold record, enter the individual name at Reference 3 field exactly as it is in the Individual Name field of the ACH DNE Entry in the ACH File.

• If the Hold Type field is set to (20) Business Block ACH Debit, you can type ALL or the Standard Entry Class (SEC) code or codes you want to block, separated by commas. You can block ARC, CCD, CTX, POP, PPD, RCK, TEL, or WEB.

If the Stop Reason Code field is set to (99) Other, you can use this free-form text field to specify a reason for the stop payment.

The Reference 3 field is not used for the following hold types:

• (0) General purpose
• (1) Check hold
• (2) Certified Draft
• (5) Pledge hold
• (6) Stop ACH
• (8) Stop ACH verbal
• (9) Revoke ACH
• (10) Merchant verification
• (11) Merchant verification - information
• (12) Uncollected fee
• (13) Loan Draft
• (14) Bill payment
• (15) Bill payment - information
• (16) Unauthorized ACH Stop
• (17) ACH Origination
• (21) Wire Hold

Reference 4

All the Reference # fields, store reference information that is related to the hold.

This field is used for all check and ACH hold types.

This field contains the transaction confirmation number for stop payments in the Share Hold record. The confirmation number is 10 digits, followed by the eight-digit calendar date and the four-digit time. The system uses the first eight digits to calculate the confirmation number. The last two digits display the unit number obtained from home banking. The system does not reassign the confirmation number if you perform a reload and recover and can generate the confirmation number even when the system is in memo post mode.

If the Hold Type field is set to (4) Signature Auth or (19) PIN Auth, this field may consist of two pieces of information. Positions 1–13 may contain the fee calculation data if the Use Fee Status from Auth parameter in Online Main Parameters is set for the source code of the current message. Positions 14–40 may contain the overdraft transfer data if Overdraw Transfer holds are placed.

When the system receives a 0100 or 1100 authorization request message targeting a share, it stores the calculated available balance in positions 1-13 of this field. This field contains the available balance that the system determines for calculating fees (without the transaction amount). The system uses the ATM Avail Bal Post Excl List, POS Avail Bal Post Excl List, SIG Avail Bal Post Excl List, or BP Avail Bal Post Excl List parameter in Online Main Parameters to determine which holds to consider in the calculation. If the OD Transfer Fee Calc Option option is set to 0, the available balance does not include available overdraft transfer funds. If the OD Transfer Fee Calc Option option is set to 1 or 2, the available balance does include available overdraft transfer funds. If the system is in memo post mode when it receives the message, it cannot calculate and store the available balance, and sets this field to Memo Bal NA.

When the system receives a 0120 or 1120 authorization advice message targeting a share, it sets positions 1-13 of this field as follows:

• If your financial institution has not activated the Waive Fee for Auth Advice option for the source code of the current message (ATM, point-of-sale, signature, or bill payment), the system stores the calculated available balance in this field. If the system is in memo post mode when it receives the message, it instead sets this field to Memo Bal NA.
• If your financial institution has activated the Waive Fee for Auth Advice option for the source code of the current message and the OD Transfer Fee Calc Option option is set to 0 or 1, the system sets this field to Adv No Fee.
• If your financial institution has activated the Waive Fee for Auth Advice option for the source code of the current message and the OD Transfer Fee Calc Option option is set to 2, the system sets this field to Adv XFee Pos.

See Card Authorization and Posting Overdraft Fees for more information.

If the financial institution has overdraw protection holds enabled, positions 14-40 contains information about the overdraft source used to authorize the transaction. This allows the ATM software to find all the related holds when the completion posts.

• Positions 14-15 will either be:
  • “N:” (next): the next overdraft hold
  • “O:” (original): the original hold if this is the last overdraft protection hold used for the transaction.
• Positions 16-40 are set to the account number, SL indicator, SLID, and a software-generated hold ID

Non-Displayed Fields

Locator

This field value in each record is unique for each member account.

Because each Locator field value is unique, it can be used as a unique identification of a specific record. The system automatically assigns the Locator field value when the record is created, and you cannot change it. The value is a positive number greater than zero.

The Locator field can be used during PowerOn file maintenance (both demand and batch) to uniquely identify a record. We recommend using a Locator field because a record’s ordinal sequence number may change if someone else inserts or deletes a record with a lower ordinal sequence number just before you post your file maintenance.

Fee Description

This field stores the description in the Fee Code field.