3.1.1 Support for On-Us Transactions

US ACH Credit/Debit originations may contain transactions where both ODFI and RDFI are the same Bank. Support is provided to process these on-us transactions within the bank itself without sending it to ACH Network. A new preference field is added in US ACH Preferences (PNDNWPRF) screen to indicate whether on-us transfers are to be dispatched to Network or not. The default value is No.

An outbound ACH Credit/Debit transaction is marked as on-us transfer if:
  • RDFI Routing number is listed as the routing number for any valid branch for the same Host in US ACH ABA Number maintenance for branches (Function ID: PMDABANR)
  • Dispatch is not applicable for on-us transfers as configured in US ACH Preferences (Function ID:PNDNWPRF). For an on-us transaction, account level validations and ECA/EAC checks, as applicable, are done for both Debit and Credit accounts. Accounting is posted directly to Debit/Credit accounts. Dispatch is suppressed. Date derivation for on-us and non on-us transactions remain same. Return processing is not applicable for on-us transactions.
On-Us Transfer field is provided in the below listed screens:
  • Outbound US ACH Credit Transaction Input (Function ID: PNDOTONL)
  • Outbound US ACH Debit Transaction Input (Function ID: PNDODONL)
  • View Outbound US ACH Debit Transaction (Function ID: PNDODOVW)
  • View Outbound US ACH Credit Transfer (Function ID: PNDOVIEW)
New search criteria On-Us Transfer field is added to transaction and view summary screens:
  • Outbound US ACH Credit Input Summary (Function ID: PNSOTONL)
  • Outbound US ACH Debit Transaction Input Summary (Function ID: PNSODONL)
  • View Outbound US ACH Debit Transaction Summary (Function ID: PNSODOVW)
  • View Outbound US ACH Credit Transfer Summary (Function ID: PNSOVIEW)

Parent topic: US ACH