2.3.3.14 On-us Transfer Processing

On-us Transfer Processing refers to the workflow for processing payment transactions where both the source (payer) and the destination (payee) accounts are maintained within the same bank or financial institution.

On-us transfer check is done as part of initial validations of the transaction. An outbound ACH Debit is marked as on-us transfer if:
  • RDFI Routing number is listed as the routing number for any valid Branch for the same host of the transaction branch as maintained in US ACH ABA Number (Function ID: PMDABANR).
  • Dispatch is not applicable for on-us transfers as configured in US ACH Preferences (PNDNWPRF).

For on-us transfers, additional validations on debit account are done and ECA request is sent for the debit account. Accounting entries are posted directly to Debit Account. Dispatch is not applicable for on-us transfers.

Parent topic: Debit Outbound Transaction Processing