As part of Transactions, the Referral Queue option allows the user to view all available referral queue.

Referral is the process of handling a customer transaction that causes the account involved in such transaction to exceed its overdraft limit. Examples of typical transactions that cause an account to move to overdraft include Standing Instructions or Clearing transactions.

Referral checks can be enabled for accounts that belong to account classes that have referrals enabled. When referral check is enabled for an account, the system will check the available balance (not the current balance) for all transactions involving that account. If a transaction involving the account results in the account being overdrawn, the account and transaction details will be sent to the Referral Queue. Transactions in the referral queue are not posted until the supevisor manually approves them. The supervisor has the option to decline the referral, in which case the transaction will not be executed. Note that charges, fees or interest debited or charged to the customer's account are not referred to the Referral Queue.

This topic contains the following subtopics:

• Referral Queue
  This topic describes the systematic instructions to view all transactions entries and exception details in the referral queue.