Account Status

0 

Not Located 

RTN/Account combination requested for verification has not been contributed by the Participant. There are multiple reasons why an account status may not be available: 1) An account number misread or other data quality issue, which will not lead to a return. 2) The account may be a new account and not yet contributed. 3) For larger FSOs with a number of supported routing numbers, the routing number may be correct for the bank, but not align with the routing number assigned to the account. Many of these transactions are corrected by the receiver (e.g., the bank customer may have found the input routing number online). 4) The transaction may be fraudulent; however, this status has a very low return rate of less than 1 %. Transaction declines are not permitted solely on a Not Located response. 

2 

Closed For Cause 

A transaction account which has been closed by Contributor as a result of unacceptable use by the customer. This judgment is made by the Contributor in accordance with its transaction account policies. 

3 

Closed For Cause/Purged 

Account has been removed from the Contributor's master account file. Account will be retained until reissued by the Contributor. 

4 

Stop Payment 4 Field Individual Match 

A check inquiry (transit item) where all four MICR fields (ABA, account #, serial # and dollar amount) match an individual / unique stop - payment record. 

5 

Stop Payment 4 Field Range Match 

A check inquiry (transit item) where all four MICR fields (ABA, account #, serial # and dollar amount) match a range of stop - payment records. 

6 

Stop Payment 3/4 Individual 

A check inquiry (transit item) where three MICR fields (ABA, account #, and serial #) match an individual / unique stop payment record. 

7 

Stop Payment 3/4 Range 

A check inquiry (transit item) where three MICR fields (ABA, account #, and serial #) match a range stop - payment record. 

10 

Post No Debits 

Account will not accept any debit activity. 

11 

Post No Checks 

Account will not accept any checks. 

12 

Closed 

Account closed. 

13 

Closed/Purged 

Account has been closed and removed from Contributor's master account file. 

14 

Pending Closed 

Account was closed in the last processing cycle. This status will automatically change to closed in the next processing cycle unless modified by the Contributor. 

15 

Recent Returns 

High probability of return. 

16 

Recent Returns 

Moderate probability of return. 

20 

Enhanced Overdraft 3 Days 

Available balance less than zero, overdraft 3 days, and open 0 - 90 days. 

21 

Enhanced Overdraft 5 Days 

Available balance less than zero, overdraft 5 days, and open 91 - 364 days. 

22 

Enhanced Overdraft 10 Days 

Available balance less than zero, overdraft 10 days, and open 365+ days. 

28 

Divested Account - Purged 

Account has been purchased or assumed by another FSO and has been removed from the Contributor’s master account file. 

30 

Overdrawn 

Available balance less than zero. Activity may post upon review. 

31 

Overdrawn New Account 

Available balance less than zero, and account opened within prior 60 days. Activity may post upon review. 

32 

Uncollected Funds 

Collected balance less than zero. Activity may post upon review. 

33 

UCF/New Account 

Collected balance less than zero and account opened within prior 60 days. Activity may post upon review. 

34 

Dormant/Inactive 

Account dormant or inactive. Activity may post upon review. 

35 

Deceased 

Account holder deceased. Activity may post upon review. 

36 

Lost/Stolen Check(s) 

Account holder reported check(s) lost or stolen. Activity may post upon review. 

37 

Attached 

Account subject to levy, garnishment, government reclamation, lien, court order or other restriction of limited amount. Activity may post upon review. 

38 

Divested Account 

An account purchased or assumed by another FSO. 

40 

New Account (8-60) 

Account opened between 8-60 days. 

41 

New Account (0-7) 

Account opened between 0-7 days. 

42 

New Account (61-120) 

Account opened between 61-120 days. 

43 

New Account (121-180) 

Account opened between 121-180 days. 

49 

Stop Payment Amount Match 

A check inquiry (transit item) where three MICR fields (ABA, account #, and dollar #) match a stop-payment range or individual record. 

55 

Official Item 

Cash-equivalent item such as official check or cashier's check. 

58 

Forced to Present 

Account has been mapped automatically to this status due to an FCRA dispute. 

59 

Force to Present 

Account has been mapped automatically to this status by Contributor to minimize impacts to account holder. Example: Zero balance accounts, cash management accounts, VIP accounts. 

61 

Return History 

Account has a return history. 

62 

Dollar Amounts of Returns 

Dollar amounts of returns. 

63 

Out of Pattern Transactions 

Number of transactions is out of pattern compared with history. 

64 

Out of Pattern Transactions 

Dollar amount of transactions is out of pattern during the past week. 

65 

Active Account 

Active account with low dollar return activity. 

66 

Active Account 

Active account with low return activity. 

67 

Higher Risk Federal District 

Higher risk Federal District. 

68 

Transaction Time 

Length of time between first and last transactions. 

80 

Credit Card Check 

Item drawn on non-demand deposit account(DDA) that is posted to a credit card account and/or drawn against a credit card company. 

81 

Participant Line of Credit Check 

Item drawn on non-DDA and is posted to a credit line account. 

82 

Participant Home Equity Check 

Item drawn on non-DDA and is posted to a home equity account. 

84 

Participant Broker Check 

Item drawn on non-DDA and is posted to a brokerage account and/or drawn against a broker - only FSO. 

90 

Nonbank Item High Risk 

Treasury or Nonbank Item - Risk Identified possibilities: 1) Check has been issued but has already been paid. 2) Check has been issued but amounts do not match. 3) Check has stop payment or has been cancelled. 4) Check is stale - dated and will not be paid. 

91 

Nonbank Item Inconclusive 

Treasury or Nonbank Item - Inconclusive possibilities: 1) Check not found. 2) Possible data capture issue(inquiry). 3) Per Treasury, does not mean invalid 

92 

Nonbank Item Pass 

Treasury or Nonbank Item - Pass. Check has been issued for inquiry dollar amount and has not yet been reported paid. 

96 

No Known Information 

No positive or negative information is known about the item. 

98 

Non-DDA 

Item drawn on a non-DDA and not included in credit card check, participant line of credit check, participant home equity check and participant broker check. 

99 

Present 

Account is present in Contributor's master account file and has no status. 

102 

Savings Closed For Cause 

A savings account which has been closed by the Contributor as a result of unacceptable use by the customer. This judgment is made by the Contributor in accordance with its transaction account policies. 

103 

Savings Closed For Cause/Purged 

Closed for cause: savings account has been removed from the Contributor's master account file. 

104 

Stop Payment 4 Field Individual Match 

A savings account inquiry where all four MICR fields (ABA, account #, serial # and dollar amount) match an individual/unique stop payment record. 

105 

Stop Payment 4 Field Range Match 

A savings account inquiry where all four MICR fields (ABA, account #, serial # and dollar amount) match a range of stop payment records. 

106 

Stop Payment 3/4 Individual Serial Match 

A savings account inquiry where three MICR fields (ABA, account #, and serial #) match an individual stop payment record. 

107 

Stop Payment 3/4 Range Serial Match 

A savings account inquiry where three MICR fields (ABA, account #, and serial #) match a range of stop payment records. 

110 

Savings Post No Debits 

Savings account will not accept any debit activity. 

112 

Savings Closed 

Savings account closed. 

113 

Savings Closed/Purged 

Savings account has been closed and removed from Contributor's master account file. 

114 

Savings Pending Closed 

Savings account was closed in the last processing cycle. This status will automatically change to closed in the next processing cycle unless modified by the contributing institution. 

128 

Savings Divested Account/Purged 

A savings account purchased or assumed by another FSO and removed from the Contributor's master account file. 

130 

Savings Overdrawn 

Savings account available balance less than zero. Activity may post upon review. 

132 

Savings Uncollected Funds 

Savings account collected balance less than zero. Activity may post upon review. 

133 

Savings UCF/New Account 

Savings account collected balance less than zero and account opened within prior 60 days. Activity may post upon review. 

134 

Savings Dormant/Inactive 

Savings account dormant or inactive. Activity may post upon review. 

135 

Savings Deceased 

Savings account holder deceased. Activity may post upon review. 

137 

Savings Attached 

Savings account subject to levy, garnishment, government reclamation, lien, court order or other restriction of limited amount. Activity may post upon review. 

138 

Savings Divested Account 

Savings account purchased or assumed by another FSO. 

140 

Savings New Account (8-60) 

Savings account opened between 8-60 days. 

141 

Savings New Account (0-7) 

Savings account opened between 0-7 days. 

142 

Savings New Account (61-120) 

Savings account opened between 61-120 days. 

143 

Savings New Account (121-180) 

Savings account opened between 121-180 days. 

159 

Savings Forced to Present 

Savings account has been mapped automatically to this status by Contributor to minimize impacts to account holder. Examples: Zero balance accounts, cash management accounts, VIP accounts. 

199 

Savings Present 

Savings account is present in the ontributor’s master account file and holds no status. These are typically accounts with positive balances. 

202 

Suspect High Focus Item 

Item matches to a high risk pattern of return activity and may be counterfeit or have a high risk of return based on other prior return activity. 

205 

Duplicate Suspect Cleared 

Potential duplicate item cleared. One or more matching items have been identified in a processing file. 

206 

Duplicate Suspect Intraday Presentment 

Potential duplicate item. One or more matching items have been identified in same day inquiries. Item may or may not have been accepted and processed. 

1000 

Anonymous Proxy 

Anonymizer being used for this session. 

1001 

New Device 

Device identifier not found in account history. 

1002 

Recent Password Recovery 

Password has been recovered within the past 24 hours. 

1003 

High Withdrawal Amounts 

Withdrawal amount(s) are unusually high for this account. 

1004 

Disabling Notifications 

1005 

Recent User Id Changes 

User Id has been changed within the past 24 hours. 

1006 

Recent E-mail Address Changes 

E-mail address has been changed within the past 24 hours. 

1007 

Recent Address Changes 

Address has been changed within the past 24 hours. 

1008 

Recent Card Replacement 

Card has been replaced within the past 30 days. 

1009 

Out of Pattern Location 

Client Ip location indicates unusual or impossible pattern.   

1010 

Malware Detected 

Client Ip shows a web crawler, Tor network or other possible malware attack.