Account Status

Code	Value	Description
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.

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