Information Reporting BAI2 File Format

Adapted from the Cash Management Balance Reporting Specifications Technical Reference Manual published by the Bank Administration Institute.

Table of Contents
Record Descriptions and File Layout Record Formats Data Elements Uniform BAI Information Reporting Type Codes Glossary Appendix A Appendix B
Page 22 Page 26 Page 29 Page 2 Page 4 Page 13 Page 20

1

Record Descriptions and File Layout
Below are the record codes, record names, and purpose of each record within the BAI2 file. The order of the record descriptions corresponds to layout of the BAI2 file.

Record Code 01

Record Name File Header

Purpose The file header marks the beginning of a file. It identifies the sender and receiver of the transmission, and it describes the structure of the file.

02

Group Header

The group header marks the beginning of a group. It identifies a group of accounts that are from the same originator and include the same as-of-date and as-of-time.

03

Account Identifier

The account identifier marks the beginning of an account. It identifies the account number and reports and Summary/Status activity summary and account status information. Summary information may be accompanied by an item count and funds availability distribution.

16

Transaction Detail

This record is used for transmission of detail transaction information about the account identified in the 03 record. Transaction detail may include two reference numbers and a free-form alphanumeric text field.

88

Continuation Record

A continuation record. It is used when data exceed maximum physical record length, or whenever it is desirable to continue data into an additional record. It may follow any record type, including another "continuation" (88) record.

49

Account Trailer

The account trailer record marks the end of an account and provides account control totals.

98

Group Trailer

The group trailer marks the end of a group and provides group control totals.

99

File Trailer

The file trailer marks the end of a file and provides file control totals.

2

A file may contain several groups. the second included one account. This procedure allows a file to contain information from multiple originators. A group may contain several accounts. such as the one in the second group. may be used to continue any record. Example 1 – List of multiple groups within a file and multiple accounts within a group: 01 02 03 16 49 03 49 98 02 03 88 49 98 99 FILE HEADER GROUP HEADER ACCOUNT IDENTIFIER TRANSACTION DETAIL ACCOUNT TRAILER ACCOUNT IDENTIFIER ACCOUNT TRAILER GROUP TRAILER GROUP HEADER ACCOUNT IDENTIFIER CONTINUATION ACCOUNT TRAILER GROUP TRAILER FILE TRAILER Begins File Begins First Group First Account First Account Detail Ends First Account Second Account Ends Second Account Ends First Group Begins Second Group Begins Third Account Continues Previous Ends Third Account Ends Second Group Ends File The preceding example included two groups. The 03 record may or may not be followed by a transaction detail record (16). The account always ends with a 49 Account Trailer record. 3 . Continuation Records (88). Only the first account of the first group included transaction detail. Each group begins with a 02 Group Header record and ends with a 98 Group Trailer record. The first group included two accounts. Each account begins with a 03 record.

Example #2 .Sample 01 Record: 01.. Alphanumeric. Used to identify uniquely those files transmitted between a sender and a receiver on a given date. The slash (/) indicates that the preceding character was the last significant character in this physical record. Military format (2400). institution.0200.1. Time the sender created the file./" identify defaulted or unspecified fields. YYMMDD format. All defaulted or unspecified fields must be identified. Slash "/" delimits the end of the logical record.122099999.).Record Formats 01 .2/ Last National Bank (122099999) is sending data to its third-party intermediary. No block size is specified. Physical Record Length Optional.. 4 .55. All fields are required except those labeled optional. It identifies the sender and the receiver of the transmission. Usually the ABA of the next receiving File Creation Date File Creation Time Date the sender created the file. Receiver Identification Field description Usually the ABA of the sending instutution. Number of physical records in a block. This default is noted by adjacent delimiters (.FILE HEADER The file header marks the beginning of a file. Data Corp. sender time zone.m. The file is in Version (2) of the Specifications.. Default is variable length records. The file was created June 21. (123456789). This is the first file created on this date and is identified as number 1.940621. Field Name Record Code Sender Identification 01 Transmitter of file. 1994 (940621) at 2:00 a. Number of characters in a physical record. Block Size Optional. (0200).123456789. and it describes the structure of the file. ". Adjacent delimiters." delimits fields." or ". File Identification Number Identification number defined by the sender. Alphanumeric. Version Number 2 Delimiters: Comma ". The number must be new for each file with the same file creation date. Next recipient of the file. Default is variable block size. The physical records in this file are (55) characters in length.

As-of-date As-of-time YYMMDD. As-of-date modifier does not affect processing." indicate defaulted or unspecified fields. All fields are required except those labeled optional. Alphanumeric.S. Slash "/" delimits the end of the logical record. All defaulted or unspecified fields must be identified. Final receiver of this group of data. 3 = Interim same-day data.. Alphanumeric. all of which are from the same originator and include the same as-ofdate. Delimiters: Comma ".1. 1 = Interim previous-day data." delimits fields. 4 = Final same-day data.. The data are final previous-day data as signified by the as-of-date modifier (2). 3 = Correction.122099999. Originator date. Field Name Record Code Ultimate Receiver Identification Originator Identification Group Status 02 Field description Optional. Currency Code Optional.GROUP HEADER The group header identifies a group of accounts. Military format (2400). Example #3 . Optional.2/ A group of data is being sent to a bank (031001234) from Last National Bank (122099999).Sample 02 Record: 02.2359. 1 = Update 2 = Deletion.) and therefore is USD (U. As-of-date Modifier Optional.031001234.m. 4 = Test Only. For reference only. 2 = Final previous-day data. For reference only. The data in the file has a group status of update (1) and the data are as-of-June 20.02 . See Appendix B for currency codes. originator time zone. 5 .940620. dollars). The optional group currency code field is defaulted as indicated by the adjacent delimiters (.. (2359). Default is currency code "USD". 1994 (940620) at 11:59 p. Adjacent delimiters ". See "Group Status Codes" for definitions. Originator of the group of data.

See Appendix A for type codes. the next two fields are value date (YYMMDD) 6 . Item Count** Optional. must be defaulted for status type codes. Field Name Record Code Customer Account Number 03 Field description Customer account number at originator financial institution. Types are: 0 = immediate availability (zero). Summary information may be accompanied by an item count and funds availability distribution. All fields are required except those labeled optional. The field is alphanumeric and includes significant leading zeroes. An 03 record must be used to identify each account. Default is "unknown. Optional. S = distributed availability. Detail is reported in record 16. Default is group currency code. and more than one-day availability amount. Currency Code Type Code * Optional." For summary type codes only. Funds Type** Optional. Default indicates that no status or summary data are being reported. one-day availability amount. Amount* Optional. V = value dated. D = distributed availability. Identifies the type of summary or status data." or slash "/". No implied decimal.03 . Expressed without a decimal. See section "Funds Type. 03 records cannot report transaction detail. Status amounts are signed positive "+" or negative "-". Integer field. the next three fields are immediate availability amount. If funds type = S. 2 = two-or-more days availability. The currency code will determine the implied decimal. 1 = one-day availability. Z = unknown (default). Summary amounts may only be positive or unsigned. Default of field indicates that no amount is being reported. Must not contain a comma ".ACCOUNT IDENTIFIER AND SUMMARY STATUS This record identifies the account number and reports summary and status information. Default of sign is positive." If funds type = V.

/" indicate defaulted or unspecified fields. Value time is optional and may be defaulted by adjacent delimiters. a.. item count and funds type for total credits and total debits. The "Type Code. 7 . For example. respectively. Format . an 03 record would not report status or summary data if it is used only to identify the account number for transaction detail records (16) that follow... The "Item Count" and "Funds Type" fields following a status amount should be defaulted by adjacent delimiters.g. the account number would be followed by five commas and a slash "." or "./" to delimit the Currency Code. Delimiters: Comma ". Status availability is reported by individual type codes (e. Value date is the date the originator makes funds available to the customer. Type Code. 04. **Type 03 records allow the reporting of item counts and funds availability for summary data only. Item Count and Funds Type fields. See Appendix A for Type Codes.. Note: An 03 record must include an account number but might not include status or summary data..." delimits fields. $. In this case. For example."X... one-day float). a. the next field indicates the number of availability distributions. a single 03 record might report ledger balance and available balance as well as the amount. Amount.and value time in military format (2400)." X = number of distributions (integer) a = availability in days (integer) $ = available amount See Section "Funds Type." "Item Count" and "Funds Type" fields are repeated to identify each status or summary type./). $.5765432.. If funds type = D. Adjacent delimiters ". Both are for the originator's business day and time zone. which are defaulted (e.g. and each of the following pair of fields indicate the number of days and the amount of available funds. All defaulted or unspecified fields must be identified.." Amounts in the funds type field have the same currency code and implied decimals specified in the 03 record." "Amount. type code 072. Slash "/" delimits the end of the logical record. *Type 03 records may report several different status and/or summary amounts for the same account. group and file trailer batch control totals. Amounts in the funds type field are not included in the account.

Record 16 cannot report status or summary amounts. Optional.. and more than one-day availability amount. Only one detail transaction may be reported by each Type 16 record.. Default indicates that no amount is being reported.190. Types are: 0 = immediate availability (zero).00 (70000000). one-day availability amount.Example #4 . Transaction detail records report activity in accounts identified by 03 records.TRANSACTION DETAIL This record reports transaction detail with accompanying text and reference numbers. The leading zero in the account number is significant and must be included in the data. the next two fields are value date (YYMMDD) and 8 . 1 = one-day availability.00 (500000).. The item count and funds type field are defaulted to "unknown" as indicated by adjacent delimiters (.. Currency Code in a group header record or in an account identifier record determines implied decimal. Field Name Record Code Type Code Amount 16 Field description Identifies the type of detail data. Always positive (unsigned)..70000000. The optional currency code is defaulted to the group currency code. Z = unknown (default).0/ Data in this record are for the sending bank's account number (0975312468).000. All Type 16 records following an 03 record refer to the account identified in the "Customer Account Number" field (See Record Type 03). The amount for type code (190) is $700. the next three fields are immediate availability amount. All fields are required except those labeled optional. The amount for type code (010) is $5. D = distributed availability. V = value dated. The item count for this amount is four (4) and the availability is immediate (0).000. If funds type = V. 2 = two-or-more-day availability.500000. Expressed without a decimal. Status and summary are reported in record 03.Sample 03 Record: 03.010. 16 .4.0975312468. See Appendix A for type codes.). If funds type = S. Funds Type Optional. S = distributed availability.

If the type 16 record does not include text.a. $ = available amount." or a slash "/" after the first character. The end of the "text" field is indicated by the beginning of the next record (unless it is a type 88 continuation record). Alphanumeric field defined by the originator. but may contain a comma ". The value date is the date the originator makes funds available to the customer. Text Optional alphanumeric field defined by the originator. respectively. 9 .a." or a slash "/". See section "Funds Type. Format ." indicate defaulted or unspecified fields. the end of the logical record is indicated by the adjacent delimiters ". Must not contain a comma ". Must not begin with a slash "/"./" following the Customer Reference Number field. Amounts in the funds type field are not included in the account. the next field indicates the number of availability distributions and each following pair of fields indicate the number of days and the amount available.value time in military format (2400). Delimiters: Comma ". Spaces between the end of the text and the end of the physical record must be filled with blanks if fixed length records are used. Value time is optional and may be defaulted by adjacent delimiters. Both are for the originator's business date and time zone. Alphanumeric field defined by the originator." or a slash "/". a = availability in days (integer). Must not contain a comma "."X. If funds type = D." delimits fields.$. Customer Reference Number Optional.. group and file trailer batch control totals. Adjacent delimiters "." Amounts in the funds type field have the same currency code and implied decimals as the "amount" following the type code. Bank Reference Number Optional.$" X = number of distributions (integer).

1.S. The continuation is labeled as a type 88 record. an 88 record allows the data to continue in the same format.00 (1500000) and has one-day (1) deferred availability (1). If the preceding record ended within a text field. The format is exactly the same as in the preceding record. The bank reference number is (DD1620). The remainder of the field is blank filled if fixed length records are used.000. If the preceding record did not end within a text field.1000000/ 88. If the data in any type of record exceed the physical record size. There is no customer reference number (. no delimiter should be placed at the end of that record.115.CONTINUATION RECORD Record 88 is a continuation record.10000000. or if dividing the record is desirable for any other reason. 88 . LOCKBOX 88.DD1620. it must be completed in that record.DEALER PAYMENTS This is a detail record (16). A continuation (88) record may follow any type of record. Do not split nontext fields between records.). The text is (DEALER PAYMENTS). The following 88 record may continue with the next field. If a nontext field is begun in one record. If the preceding physical record does not end within a text field. RECEIVABLES Delimiters: Delimiters are the same as for the preceding record. that record should end with the delimiter slash "/". even if the following continuation (88) includes or begins with text.5000000." 16.4000000. including another continuation (88). If the preceding physical record ends within text that is to be continued.B096132. The amount for type code 165 is $15.AX13612...Sample 16 record: 16. and the text field is delimited by the fact that the next record is not "88".DEPOSIT-MISC. Field Name Record Code (Next Field) 88 Field description The "Record Code" field is followed by a continuation of the preceding record." the 88 record would continue with "Bank Reference Number.1500000. the 88 record continues with whatever field follows the final field in the preceding physical record.AMALGAMATED CORP. the text continues in the 88 record. Example: If the preceding record was a 16 record that ended with the field "Funds Type. 10 .Example # .165.

The number of records (3) includes the 03 record. Include the 02. 16. The total number of all records in this group. The total number of records in the account. a detail (16) or continuation (88) record.ACCOUNT TRAILER The account trailer record provides account level control totals. all 03. This field includes the sign "+" or "-" for the total.GROUP TRAILER The group trailer record provides group level control totals. the default is positive. If no sign precedes the total. Sample 49 record: 49. Field description Delimiters: Comma ".49 . Field Name Record Code Group Control Total 98 Field description Algebraic sum of account control totals in this group. All fields are required. All 16 and 88 records between the 03 record and the 49 record refer to the account identified in the 03 record. The total does not include amounts reported in "Funds Type" or "Item Count" fields. and this 98 record. All fields are required." follows "Record Code" and "Account Control Total. The account control total does not include amounts in "funds type" fields.18650000. and this account trailer (49) record.3/ The account trailer record contains the account control total (18650000) which is the algebraic sum of "Amounts" in all records back to and including the preceding 03 record. There must be one 49 record for each 03 record. the default is positive. Integer. and 88 records. 49. If no sign precedes the total. The number of 03 records in this group. This field includes the sign ("+" or "-") for the total." Slash "/" follows "Number of Records" and indicates the end of the logical record. Field Name Record Code Account Control Total 49 Algebraic sum of all "Amount" fields in the preceding type 03 record and all type 16 and 88 records associated with that account. 98 . There must be one 98 record for each 02 record. including the 03 record and all 16 and 88 records. 11 . and including this account trailer 49 record. Number of Accounts Number of Records Integer. Number of Records Integer.

All fields are required. headers and trailers (and including this 99 record). If no sign precedes the total." Slash "/" follows "Number of Records" and indicates the end of the logical record.11800000. reflecting the two account records (record type 03) in this group. and 49 records and this 98 record. including continuation records. This field includes the sign ("+" or "-") for the total. and so on." and "Number of Accounts. The number of accounts is two (2). The number of records in this group (6) includes the 02 record. 16." "File Control Total. the default is positive." follows "Record Code. Sample 99 record: 99. exclude any device-oriented records.6/ This group trailer record contains the group control total (11800000) which is the algebraic sum of all account control totals in this group. 88. Delimiters: Comma "." "Group Control Total. The number of groups (4) is the number of 02 records in this file. Total number of records of all codes in the file.36/ The file trailer record contains the file control total (1215450000) which is the algebraic sum of all group control totals for this file. The 99 record indicates the end of the logical file. There must be one 99 record for each file.2. tape marks.Delimiters: Comma "." and "Number of Groups. 99 ." follows "Record Code." Slash "/" follows "Number of Records" and indicates the end of the logical record.4. The number of records (36) is the total number of records in this file. including this 99 record. JCL.1215450000. all 03.FILE TRAILER The file trailer record provides file control totals. 12 . Number of Groups Number of Records Number of 02 records in this file. Sample 98 record: 98. Field Name Record Code FIle Control Total 99 Field description Algebraic sum of all group control totals in this file.

1. As-of-time 02 Numeric. As-of-date 02 Numeric. Time of day. “Amount” is expressed without a decimal point “. The algebraic sum of all “Amount” fields in the preceding type 03 record and all type 16 and 88 records associated with that account. YYMMDD format.”. As-of-Modifier is for identification only and does not affect processing. Date for which reported information is current. The currency code USD implies two decimal places. Optional. one digit.36 is 15009736. If no sign precedes the total. As-of-Date Modifier 02 Numeric. six digits. 0.097. If the preceding type code is an account summary or transaction detail code.Data Elements Below are the data elements contained within the records of the BAI2 file.16. “Amount” may be “+. 0001 through 2400. Exceptions are listed at the end of Appendix B. summary.88 Reports the amount of the balance. The total does not include amounts reported in “Funds Type” fields. 1 = Interim / Previous-day 2 = Final / Previous-day 13 . Military format. in originator time zone. for which reported information is current. “Amount” must be “+” or unsigned only. or transaction identified by the preceding type code. The implied decimal for most currency codes is two (2) places. four digits. This field includes the sign “+” or “-“ for the total. The data elements are listed in alphabetical order. If the preceding type code is an account status code. default is positive. For reference only.2. Data Element Account Control Total Records 49 Description Numeric.” “-“ or unsigned. Example: $150. Distinguishes same day data from previous-day data and interim data from final data. 24 hours. Refers to the posting or accounting date at the originator financial institution. Signed.or 3 characters at the end of the field are designated as implied decimal places. Amount 03. The currency code determines the number of implied decimals. Optional. Instead.

The customer commercial account number at originator financial institution. A field defined by the originator. Time of day sender created file. Identifies the currency of the reported amounts in “amount” and “Funds Type” fields. Include significant zeroes. Numeric. signed. File Creation Time 01 Numeric. Number of physical records in a block. File Identification Number 01 Numeric. Algebraic sum of all group control totals in this file.3 = Interim / Same-day 4 = Final / Same day Final = Status and Summary data at the close of business on the As-of-date.” or slash “/”. three characters. Previous-day = As-of-date is the previous business day. File Creation Date 01 Numeric. These codes are based on international standard ISO 4217 and are the same as those used by S.T. Military format. Optional. Defaults: Group Header = USD Customer Reference Number File Control Total 99 16 Alphanumeric. Block Size Customer Account Number 01 03 Numeric.W. A field defined by the originator. 0001 through 2400. Currency Code 02.” or slash “/”. Each file with the same creation date must have a different identification number. For intraday reporting. Same-day = As-of-date is the current business day. four characters.. six characters.” or slash “/”. Must not contain comma “. Some processors will use 9999 to indicate the end of day. Sender determined identification number. 14 . 24 hours.F.I.03 Alpha. YYMMDD format. Must not contain comma “. Optional. Interim = Status and Summary data may not reflect all activity on the As-of-date. Alphanumeric. Used in file header only. Is no sign precedes the total. Date sender created the file. Bank Reference Number 16 Alphanumeric. the default is positive. used to identify uniquely those transmissions between a sender and a receiver. This field includes the sign (“+” or “-“) for the total. Optional. Must not contain comma “’.

D.3. These codes are: Z = Unknown (default) 0 = Immediate availability 1=One day availability 2=Two or more day availability V=Value dated S or D = Distributed availability “Z.90000. S – the next three fields are: Immediate availability One-day availability Two-or-more-day availability Example: …. 0.90000.100000. as indicated by the adjacent delimiters “.. or 2” indicate the availability of the entire “Amount”. Value time is optional and may be defaulted by adjacent delimiters Example: ….100000. V. No other “funds Type” fields follow. The “Funds Type” field following an account status type code in the 03 record should be defaulted. The first field is a single-character code that indicates the distribution of availability. Each following pair of fields indicates the number of days and available amount. respectively.000 15 .S. D – the next field indicates the number of availability distributions. ….Funds Type 03. “V” indicates the availability of the entire amount on the specified date. and therefore defines any fields that follow. Indicates the availability of the account summary or transaction detail “Amount”. Example: …. 1300. “D” and “S” indicate availability distributed over several days. 860701.150000. Account status availability is reported by using a separate type code.0. 1.150000. The next field is the value date in YYMMDD format and the value time in military (2400) format.” or “.1.2.….16 Composite. Both are for the originator’s business date and time zone./” “Funds Type” is a composite data element.500 immediate and $1.… (Both examples (S and D) indicate $1. It may occupy one field or several separately delimited fields.

This field includes in the sign (“+” or “-“) for the total. If no sign precedes the total. 2 – Deletion: “Deletion” removes all previously reported information for the indicated group of accounts on a particular Asof-Date. After a “deletion. The Group Status code specifies exactly how data in a group of accounts are to be processed. Group Status 02 Numeric. summary.one-day availability. The first (S) indicator $900 two-or-more-day availability and the second (D) indicates $900 two-day availability. A deletion must contain an 03 record for each account to be deleted. an “update” or “correction” group may follow to provide good data. Group Status Codes 1= Update 2= Deletion 3= Correction 4= Test Only If a file must be retransmitted. and file controls. signed. and detail data. 3 – Correction: “Correction” is used when previously transmitted 16 . Group Control Total 98 Numeric. the default is positive. After a “deletion” group.) Available funds amounts reported under “Funds Type” in distributed availability fields have the same currency code and implied decimal as the “Amount” field to which they refer. “Deletion” and accurate data are not yet available. The algebraix sum of account control totals in this group. “Update” reports all status. the group status code does not change. Available funds amounts are not included in account. This 03 record must include all fields although only the “Customer Account Number” and “Record Code” must be specified. Others may be defaulted by adjacent delimiters. The sum of available funds may or may not equal the “amount” field they describe.” no data remain on field for an account on the specified As-of-Date. 1 – Update: Most balance reporting transmissions are “updates.” “Update” is intended for both previous-day reporting and sameday reporting. one digit. Available funds amounts are always positive or unsigned. group.

Reports the number of items included in an activity summary identified by the preceding type code.F. the records in the file are of variable length. If Physical Record Length is not specified. integer. integer.T. CHIPS.T..data are substantially wrong. Number of Accounts Number of Groups Number of Records 98 99 49. Originator Identification 02 Alphanumeric. integer. Domestic Financial Institutions – ABA/FRB routing and transit number. tape marks.. Numeric. JCL. Default is “unknown..W. the field is defaulted by adjacent delimiters”. However. integer. Receiver Identification 01 Alphanumeric. “Test Only” transmission is point-to-point only.” indicating.I.I. Domestic Financial Institutions – ABA/FRB routing and transit number. Number of 03 records in this group. including the check digit (9 characters). and so on.”. Foreign Financial Institutions – S. Total number of records with the account. or another mutually agreed on number.F. Identified receiver of file. The originator is the depository financial institution where the account being reported is held. Nonbank Processors – DUNS number (9 characters) 17 . U U Item Count 03 4 – Test Only: “Test Only” indicates a file that must be edited for syntax and batch totals but does not affect the receiver’s live files. headers. Numeric. and trailers 9and including this control record). CHIPS.W. or another mutually agreed on number. This field is strictly confined to the scope of this specification. It allows all previously reported data to be deleted and replaced with corrected data.98. including the check digit (9 characters). Identifies the originator. Variable length records. Numeric. or file of all codes including continuation records. Number of characters in each physical record.99 Numeric. exclude any device oriented records. If Physical Record Length is not specified. Physical Record Length 01 Numeric.. Number of 02 records in this file. Specified if fixed length records are used. group. Foreign Financial Institutions – S. “physical record length” does not replace or alter any record length specified in the communication protocol.” indicated by adjacent delimiters “.

01 File Header 02 Group Header 03 Account Identifier and Summary/Status 04 Transaction Detail 05 Account Trailer 06 Group Trailer 07 File Trailer 08 Continuation Sender Identification 01 Alphanumeric Identifies sender of a file. Because “Text” is the last field in these records. Text must not begin with slash “/”. but may contain comma “. the end of the “Text” field is not delimited.W. Instead.T. Foreign Financial Institutions – S. 2 characters. If a 16 or an 88 record does contain text. Always the first two characters of a record. U If a 16 record does not contain text. If the 88 continuation does not begin within the text field. Domestic Financial Institutions – ABA/FRB routing and transit number. Nonbank Processors – DUNS number (9 characters).I.” or slash after U the first character. CHIPS. the “Text” field is defaulted by the adjacent delimiters “.F./”. The “Text” field may continue into an 88 Continuation record. Text 16 Alphanumeric. or another mutually agreed on number. the spaces between the end of the text and the end of the physical record must be filled with blank characters. Identifies record type. the record is not delimited by slash “/”. the U U 18 . the logical record continues until the beginning of the next records are used.. including check digit (9 characters).Record Code ALL Numeric. Descriptive text for detail transactions.

Only one amount for each status or summary type code can remain on file for each account on an as-of-date. Account status and activity summary type codes are used in record 03 only. Ultimate Receiver Identification 02 Alphanumeric. Appendix A lists Uniform Type Codes for use in Version 2 transmissions.T. including check digit (9 characters).W. or another mutually agreed on number. Version Number 01 Numeric.. 3 digits. For this version. Domestic Financial Institutions – ABA/FRB routing and transit number. always 2. Transaction detail type codes are used in record 16 only. Optional. There are three classes of type codes: • • • Account Status Activity Summary Transaction Detail.previous record is ended with a slash “/”. one digit.88 Numeric. Type Code 03. Nonbank Processors – DUNS number (9 characters). Many transaction details may be on field with the same type code.I. Identifies the type of balance. Appendix A also includes an explanation of type code usage. Identifies Ultimate Receiver – Ultimate Receiver is the processor that receives the final transmission of a group of balance reporting data in BAI format before it is translated into usable form. summary or transaction being reported.F. 19 . CHIPS. Foreign Financial Institutions – S.16.

Only one amount for any status type code can remain on file for a given As-of-date. Detail amounts are aleays psotive or unsigned. An account file may contain several transaction details with the same type code for a given As-pf-date Uniform Type Code Ranges The following table indicates the ranges of three-digit numbers for status. General usage rules are as follows: Type Code Account Status Records 03. porcessors should use Uniform Version 2 type codes. These codes are created to meet the needs of specific customers and are often not of general interest to the cash management community.88 These codes summarize account credit and debit activity (for example. Summary amounts are always unsigned or positive. and float position). and detail type codes: Type Codes 001-099 100 101-399 400 401-699 900-999 Account status type codes Total Credits summary type codes Credit summary and detail type codes Total Debits summary type codes Debit summary and detail type codes Customized Type Codes Description Customized Type Codes Whenever possible. total lockbox deposits or total security debits). or detail. experince with Version 1 indicates a demand for highly specialized codes for use in two-party reorting systems. available balance. Codes are either status. for a given account.88 Description These codes describe the status of the account (for example. Summary type codes may be accompanied by an item count or funds type distribution. However. Status amounts may be positive or negative. summary. Transaction Detail 16 These codes detail individual credits and debits (for example. summary. Status type codes may not be accompanied by an item count or a funds type distribution. for a given account.Uniform BAI Information Reporting Type Codes Type codes are three-digit numbers used to identify the types of data reported. individual lockbox deposit or foreign exchange debit). ledger balance. Only one amount for any summary type code can remain on file for a given As-of-date. Activity Summary 03. 20 .

the range from 900-999 has been reserved for customized type codes.Instead of allocating uniform type codes to such specialized activities. and detail type codes: Type Codes 900-919 920-959 Account status codes Credit summary and Detail. BAI will not support type codes in the 900-999 range and users of the specification might not accept these types in transmissions. and users of the specification are free to assign unique type codes to meet customer needs within the following guideline: These codes should only be used for transmissions between parties that have agreed to support the non-standard type. 960-999 Debit Summary and Detail Description 21 . Summary type codes if used in the 03 record. BAI will not designate unofirm ttye codes in this reatnre. and detail type codes if used in the 16 records. Customized Type Code Ranges The following table indicates the ranges of three-digit numbers for status. summary.

it is calculated by summing the closing available balance for each calendar day elapsed in the year and dividing by the number of calendar days covered. The available balance at the end of the business day for which activity is being reported. the term "Collected Balance" is used to describe "Available Balance" as defined here. Available Balance. It includes zero-float debits and credits processed up to that time. it is calculated by summing the closing available balance for each calendar day elapsed in the month and dividing by the number of calendar days covered. In general. Frequently. The average closing available balance month-to-date. (See "Collected Balance" under Related Terminology. Average Closing Available Balance MTD The average closing available balance month-to-date. For example. Account Status Terminology Data Element Available Balance Description The portion of the commercial account ledger balance against what the bank normally limits the account holder to draw. immediately available funds. Closing Ledger .) In these instances.Float = Available Balance. or usable funds. This balance may or may not include adjustments depending on the procedure The average closing available balance year-to-date. This balance may or may not include adjustments depending on the procedure The average closing available balance year-to-date. The available balance at the start of the business day following the day or which activity is reported. Wednesday's "Opening Available Balance" is the result of Tuesday's "Closing Available Balance" ± The Net of One-Day Float. Ledger Balance . banks should report this balance in the Available Balance category. it is calculated by summing the closing available balance for each calendar day elapsed in the year and dividing by the number of calendar days covered. This balance may or may not include adjustments depending on the procedures of each bank. In general. This balance is also referred to as good funds. it is calculated by summing the closing available balance for each calendar day elapsed in the month and dividing by the number of calendar days covered. The available balance at a given time during the business day the information is being reported. Closing Available Balance Reported + The Net of One-day Float = Opening Available Balance. Opening Available Balance + (The Net of Zero-Day Float Debits and Credits Processed Up to That Time) = Current.Float = Closing Available. In general. The data elements are listed in alphabetical order. This balance may or may not include adjustments depending on the procedures of each bank.Glossary Below are the data elements contained within the records of the BAI2 file and a general description of each element. In general. Average Closing Available Balance YTD Average Closing Available Balance MTD Average Closing Available Balance YTD Closing Available Balance Current Available Balance Opening Available Balance 22 .

" See "Float." See "Available Balance. This balance may or may not include adjustments depending on the procedures of each bank." See "Ledger Balance." See "Ledger Balance." See "Closing Ledger Balance. However. A posting to a specified account of a certain named amount resulting in a decrease in the value of the balance of the account." See "Float." See "Available Balance. lack of endorsement.Available Balance = Float. In general." See "Available Balance." The float assigned to an item or a group of items that can be expressed in terms of zero-day. The portion of the commercial account ledger balance that is not available for the account holder to draw against for the two or more days. stop payment. it is calculated by summing the closing ledger balance for each calendar day elapsed in the month and dividing by the number of calendar days covered. The net of debits or credits in a day's activity for which there is no float. The portion of the commercial account-ledger balance that is not available for the account holder to draw for one business day. See "Commercial Account. In general. This is sometimes referred to as book. This balance may or may not include adjustments depending on the procedures of each bank." Average Closing Ledger Balance MTD Average Closing Ledger Balance YTD Credit Customer Account Debit Demand Deposit Account Ending Ledger Balance Funds Availability Funds Usability Good Funds Gross Balance immediately Available Funds Statement Balance Unavailable Balance Uncollected Funds Usable Balance Account Summary Credit Totals Summary Total Total Checks Posted Returned Definition The sum of funds credited to an account that represents the reversal of items posted to an account which were then returned by the drawee bank. or two or more days See "Funds Availability. one-day. Types of reasons for return include nonsufficient funds. In general. The average daily closing ledger balance year-to-date.FLOAT One-Day Float Two or More Days Float Zero-Dav Float LEDGER BALANCE The portion of the commercial account ledger balance that is normally not available for the account holder to draw against. or incorrect endorsement. This total affects the available balance immediately upon processing A commercial account balance that is the result of the total debit and credit activity as of a specific date and time. There is no indication of funds availability or usability. A posting to a specified account of a certain named amount resulting in an increase in the value of the balance of the account. it is calculated by summing the closing ledger balance for each calendar day in the year and dividing by the number of calendar days covered. gross. this term is associated with a demand deposit checking account. The average daily closing ledger balance month-to-date. Ledger Balance . The sum of those deposits that consist of transactions Total Concentration Deposits 23 . or statement balance. there are other types of depository accounts that could have balances associated with them such as interest-bearing accounts.

or other communications systems. Type of transactions include. and preauthorized payment deposits are not included in this category.initiated to gather intracompany funds from a number of banks into an account at one bank. Lockbox. and cash letters. and so on. Bank Wire. concentration. or the collection of a dividend or interest income. Total Security Credits Total Zero-Balance Credits Account Summary Debit Totals Summarv Total Total ACH-Related Debits Definition The sum of those charges that are either processed through an automated clearing house transaction or related to an automated clearing house transaction. foreign remittances. over-thecounter deposits. The sum of those deposits that consist of checks. dollar currency or where a party to the transaction is outside of the 'United States. commercial deposits. or other areas of the bank. Types of transactions include adjustments. Types of transactions include the sale of debt or equity instruments. The sum of those funds credited to an account representing security related transactions. The sum of those funds credited to an account that involves either a non-U. the maturing of a debt instrument. Total Preauthorized Payment Deposits The sum of those deposits that consists of' transactions initiated by a company to gather payment funds from a number of customers' accounts into an account at one bank. and automated clearing house items. The sum of those deposits that consist of remittances or transactions credited to a commercial account through a Lockbox. and foreign collections.S. Types of transactions include intrabank or interbank movement of funds received through Fed Wire. master) account that are related to any number of zero-balance subaccounts. Total Incoming Money Transfer Total International Credits Total Lockbox Deposits Total Other Check Deposits Total Other Miscellaneous Credits The sum of those funds Credited to an account by the money transfer department of a bank. These transactions may originate from the bond. 24 . foreign exchange. loans. CHIPS. Types of transactions include preauthorized drafts preauthorized checks. Types of transactions include depository transfer checks and automated clearing house items. The sum of those funds credited to a zero-balance main (parent. trust. safekeeping. The sum of those credit transactions that a bank cannot report under other defined categories. Types of transactions include foreign lettters of credit.

The sum of charges to an account representing security related transactions.S.Bank Wire. and incorrect endorsement. The sum of those debit transactions that a bank cannot report under other defined categories. Types of transactions include purchases of debt or equity instruments. Types of transactions include adjustments. The sum of charges to an account resulting from drafts issued by the account holder which cleared and were payable through the reporting bank. depository transfer checks. foreign exchange. The sum of those funds charged to a zero-balance main (parent. or other communication system. stop payment. lack of endorsement. Total Zero Balance Account Debits 25 . Type of items include checks.Total Checks Paid Total Deposited Items returned Total International Debits Total Other Miscellaneous Debits Total Outgoing Money Transfers Total Payable-Through Drafts Total Security Debits The sum of all checks that have been charged to a commercial account. Types of transactions include intrabank or interbank movement of funds sent through the Fed Wire. and Preauthorized checks The sum of changes to an account that represents reversals of item which were deposited and credited to an account. Types of reasons for returns include nonsufficient funds. CHIPS. foreign remittances and foreign collections. master) account that are related to any number of zero-balance subaccounts. The sum of those funds charged to an account by the money transfer department of a bank. safekeeping. The sum of those funds charged to an account that involves either a non-U. dollar currency or where a party to the transaction is outside of the United States. These transactions may originate from the bond. or other areas of the bank. Types of transactions include foreign letters of credit.. and so on. trust. service charges.

.20000000..122099999.122099999..110.150000.1..4589761203. The optional group currency code field is defaulted as indicated by the adjacent delimiters (../ 16.2/ 03.).20000000.) to the group currency code.100.11800000.11/ 02.940621..30000000.122099999.500000. The first data value is for type code (010).m.500000..6/ 98.200000.040/ 88./ 16..0.400.500000.2/ 02.5/ 98.50000000.).S.60000000.2830000.15.. U.190. (123456789).2359. dollars. 68751 49.860620.500...S.20000000/ 49..9876543210.110.D...010.70000000..040.20000000. No block size is specified.1./ 49.122099999.6000000.074.5000000/ 88..2.5000000.+4350000.053003456. Data in this record and all records until the next 03 record are for the sending bank's account number (0123456789).Appendix A Sample Transmissions This file illustrates Version 2 data transmission formats..180000000.8/ 02.140500000. the sign is positive (+). (2359). 01.500000..4.1.1. The physical records are (65) characters in length./ 49.0975312468.1. This default is noted by adjacent delimiters (.2/ 03.S.. (0200).040.-1500000...0200..040..) and therefore is USD (U.072.PROCEEDS OF LETTER OF CREDIT FROM THE ARAMCO OIL CO 16.195.1.074. Item count and funds type are defaulted as indicated by the adjacent delimiters (.2/ 03.3..70000000./ 88...180000000.1./ 88. A group of data is being sent to a bank (031001234) from Last National Bank (122099999).9150000.10000000.S.4000000.100000.3/ 98. 1994 (940621) at 2:00 a...110/ 88.450000.. The file is in Version 2 of the Specifications.115.100.2000000. This is the first file created this date and is sequence number 1.122099999.074.300000.V. dollars).1.00 (4350000).0.2359./ 16.1000000.190/ 88.13150000...071207890.SP4738. The slash (/) indicates that the preceding character was the last significant character in this physical record.140500000.2/ 03.2359.940620.4000000.072..... The data are final previous-day data as signified by the as-of-date modifier (2).-500000....31/ Record Code 01 02 03 Description Last National Bank (122099999) is sending data to its third-party intermediary.860622.800000..115..LOCK BOX NO.1000000.. The file was created June 21..500000.10000000.1020000...010.110.345450000.5/ 02.860620...3/ 98...400.010.218.010...860620. The optional currency code is defaulted as indicated by adjacent delimiters (.500000./ 49.11800000. and the amount is $43.200000..072.2359.3.. 031001234.123456789...4/ 03.071207890.65..m. The second data value is for 26 .5/ 99. 1994 (940620) at 11:59 p.3. Data Corp..7890654321.4.YRC065321/ 88.010.1... The data in the file have a group status of "update" (1) and the data are as-of-June 20.1000000.0123456789....4.

00 (300000).) Data in this record are for the sending bank's account number (0975312468). dollars. (/) indicates end of record.00 (1020000). Again.000. The bank reference number is (SP4738). The item count for this amount is four (4). and the funds type is distributed (S).00 (70000000). Bank reference number.. as indicated by the adjacent delimiters (. The account trailer record contains the account control total (9150000).500. Funds type amounts are not included in this control total.000. the one-day availability is $2. The optional currency code is defaulted to the group currency code.00 (200000) and greater-than-one-day availability is $1.000..). Because the text does not go to the end of the 65-character physical record. The number of records (4) includes one 03 record./). This group trailer record contains the group control total (13150000) which is the algebraic sum of all account control totals in this group.000.88 16 49 03 16 49 98 02 03 88 16 88 16 49 98 02 03 88 type code (040). The value date is June 22.00 (500000). The amount for type 27 .. and modifier as the prior 02 record. time. 68751). including the 02 and this 98 group trailer record. The type code is (072) and the amount is a positive $10. the amount is a positive $4. This second account record and its continuation record are similar to the first one except that they contain amounts with negative signs. This detail record contains data for type code (218) in an amount of $200. This detail record contains data for type code (115) in an amount of $5.). customer reference number. This group is an update with the same as-ofdate. Bank reference number and customer reference number are not used. This is an update (1) as-of-June 20. one 16 record.).00 (100000). This is a continuation record as previously described. The same (or zero)-day availability is $1. one 88 record. The data is final previous-day data (2).m. The slash (/) indicates end of record. the sign is positive (defaulted to positive by absence of a sign preceding the amount). Bank reference number. 1986 (860622) and the value time is not specified.. The number of accounts is two (2). customer reference number. The currency code field is defaulted to U. and text are not used. item count and funds type are defaulted.500. The leading zero in the account number is significant and must be included in the data.000.00 (500000) with distributed availability (S). The item count and funds type field are defaulted to "unknown" as indicated by adjacent delimiters (. This detail record contains data for type code (195) in the amount of $100.. The field is delimited by the fact that the next record is not "88"...000. (See previous examples. This record is similar to previous group trailer (98) records. reflecting the two account records (record type 03) in this group. as indicated by adjacent delimiters (. The amount for type code (010) is $5. A group of data is being sent to bank (053003456). and text are not used. This continuation record extends the format of the preceding 03 record.000. additional blanks are required. and the availability is immediate (0)..S.00 (150000). Number of records (11) includes all records in this group. There is no same-day availability (the field is defaulted to zero by the adjacent delimiters ". (2359). A group of data is going to bank (071207890)."). The funds have one-day availability (1). and the amount is $28. and this 49 record. This is the account trailer record as previously described. This continuation record contains the text for the preceding 16 record (PROCEEDS OF LETTER OF CREDIT FROM THE ARAMCO OIL CO). as indicated by adjacent delimiters (.000.000.00 (50000).300.00 (200000) and the two-ormore-day availability is $3. 1994 (940620) at 11:59 p.00 (10000000). and the customer reference number is (YRC065321). The field is delimited by the fact that the following record code is not an 88. Type code (110) is the last data item in this record. This continuation record picks up the same format as the preceding record (in this case an 03 record)..000.200. This detail record contains data for type code (115). Item count and funds type are defaulted for both.00 (2830000). This record is similar to previous account trailer (49) records. The one-day availability is $2../).00 (450000). The next data value is for type code (074) and the amount is a positive $5. The text is (LOCK BOX NO. The amount for type code (190) is $700. The remainder of the field is filled with blanks to position 65. which is the algebraic sum of all amounts in all records back to and including the preceding 03 record. This summary/status record is similar to the two previous ones.00 (20000000) with value-dated availability (V). These fields are defaulted as indicated by the adjacent delimiters (.

including this 98 record. The item count and funds type fields are defaulted to "unknown" as indicated by adjacent delimiters (.).S.000.49 98 02 03 88 49 98 99 code 110 is $700. The file trailer record contains the file control total (345450000). which is the algebraic sum of all account control totals for this group. This is final previous-day data (2).000.). The number of records (3) is the total number of records in this file.m. Funds type is defaulted to "unknown" by adjacent delimiters (. which is the algebraic sum of all amounts of all records for this account. The number of records includes all records in this account. Type code (040) has an amount of $60. 28 . including this trailer record..00 (30000000). Funds type distributions are not included in this control total.000. The currency code is defaulted to U../)..00 (5000000). Type code (010) has an amount of $8. Funds type distributions are not included in this control total. which is the algebraic sum of all account control totals for this group. Immediate availability (0) is $200.. The number of groups (4) is the number of 02 records in this file. including this account trailer. The item count for this amount is fifteen (15) and availability is distributed (D).000. dollars (. The number of accounts is one (1) and the number of records is 5. The item count and funds type fields are defaulted to "unknown" as indicated by adjacent delimiters (. This account trailer record contains the account control total (11800000).). (2359).00 (2000000). The item count for type code 110 is four (4). Number of records includes all records in this group. This group trailer record contains the group control total (11800000). Type code (110) has an amount of $50. This account trailer record contains the account control total (140500000). 1994 (940620) and the as-of-time is 11:59 p. which is the algebraic sum of all amounts in all records for this account. These data are a "correction" (3) of previously sent data. Funds type distributions are not included in this control total.00 (20000000). and three-day availability (3) is $200. which is the algebraic sum of all group control totals for this file.. one-day availability (1) is $300. This summary/status replaces the previously sent 03 record for this account (7890654321). A group of data is going to bank (071207890). The number of records (3) includes all records in this account. The as-of-date is June 20.000.000.00 (800000).00 (70000000). This continuation record extends the format of the preceding 03 record. including this 99 record. This group trailer record contains the group control total (140500000). This correction will delete all data already on file for the account identified in the 03 record and will replace it with new data. The number of accounts is one (1). There are three funds type distributions (3).000.00 (6000000).

Last Month Average Closing Available YTD .Last Month Average Closing Available YTD Loan Balance Total Investment Position Current Available (CRS Suppressed) Current Available Average Current Available MTD Average Current Available YTD Total Float Target Balance Adjusted Balance Adjusted Balance MTD Adjusted Balance YTD 0-Day Float 1-Day Float Float Adjustment 2 Or More Days Float 3 Or More Days Float Adjustment To Balances Average Adjustment To Balances MTD Code Description 078 Average Adjustment To Balances YTD 079 4-Day Float 080 5-Day Float 081 6-Day Float 082 Average 1-Day Float MTD 083 Average 1-Day Float YTD 084 Average 2-Day Float MTD 085 Average 2-Day Float YTD 086 087 088 100 101 105 106 107 108 109 110 115 116 118 120 121 122 123 130 131 135 136 140 142 143 145 146 147 150 155 156 160 162 Transfer Calculation Target Balance Deficiency Total Funding Requirement Total Credits Total Credit Amount MTD Credits Not Detailed Deposits Subject to Float Total Adjustment Credits YTD Credit (Any Type) Current Day Total Lockbox Deposits Total Lockbox Deposits Lockbox Deposit Item in Lockbox Deposit Lockbox Adjustment Credit EDI Transaction Credits EDI Transaction Credit EDIBANX Credit Received EDIBANX Credit Return Total Concentration Credits Total DTC Credits DTC Concentration Credit Item in DTC Deposit Total ACH Credits ACH Credit Received Item in ACH Deposit ACH Concentration Credit Total Bank Card Deposits Individual Bank Card Deposit Total Preauthorized Payment Credits Preauthorized Draft Credit Item in PAC Deposit Total ACH Disbursing Funding Credits Corporate Trade Payment Settlement 29 .Previous Month Disbursing Opening Available Balance Closing Available Average Closing Available MTD Average Closing Available .Previous Month Average Closing Ledger YTD Current Ledger ACH Net Position Open Available + Total Same-Day ACH DTC Deposit Opening Available Average Opening Available MTD Average Opening Available YTD Average Available .Appendix B Code Description 010 Opening Ledger 011 012 015 020 021 022 024 025 030 037 039 040 041 042 043 044 045 050 051 054 055 056 057 059 060 061 062 063 065 066 067 068 070 072 073 074 075 076 077 Average Opening Ledger MTD Average Opening Ledger YTD Closing Ledger Average Closing Ledger MTD Average Month Aggregate Balance Adjustments Average Closing Ledger YTD .

Code 163 164 165 166 167 168 169 170 171 172 173 174 175 176 178 180 182 184 185 186 187 188 189 190 191 195 196 198 200 201 202 205 206 207 208 210 212 213 214 215 216 218 221 222 224 226 Description Corporate Trade Payment Credits Corporate Trade Payment Credit Preauthorized ACH Credit ACH Settlement ACH Settlement Credits ACH Return Item or Adjustment Settlement Miscellaneous ACH Credit Total Other Check Deposits Individual Loan Deposit Deposit Correction Bank Prepared Deposit Other Deposit Check Deposit Package Re-presented Check Deposit List Post Credits Total Loan Proceeds Total Bank Prepared Deposits Draft Deposit Total Miscellaneous Deposits Total Cash Letter Credits Cash Letter Credit Total Cash Letter Adjustments Cash Letter Adjustment Total Incoming Money Transfers Individual Incoming Internal Money Transfer Incoming Money Transfer Money Transfer Adjustment Compensation Total Automatic Transfer Credits Individual Automatic Transfer Credits Bond Operations Credit Total Book Transfer Credits Book Transfer Credit Total International Money Transfer Credits Individual International Money Transfer Credit Total International Credits Foreign Letter of Credit Letter of Credit Foreign Exchange Credit Total Letters of Credit Foreign Remittance Credit Foreign Collection Credit Foreign Check Purchase Foreign Checks Deposited Commission International Money Market Trading 30 Code 227 229 230 231 232 233 234 235 236 237 238 239 240 241 242 243 244 245 246 247 248 249 250 251 252 254 255 256 257 258 260 261 263 266 268 270 271 274 275 276 277 278 280 Description Standing Order Miscellaneous International Credit Total Security Credits Total Collection Credits Sale of Debt Security Securities Sold Sale of Equity Security Matured Reverse Repurchase Order Maturity of Debt Security Individual Collection Credit Collection of Dividends Total Bankers Acceptance Credits Coupon Collections .Banks Bankers Acceptances Collection of Interest Income Matured Fed Funds Purchased Interest/Matured Principal Payment Monthly Dividends Commercial Paper Capital Change Savings Bonds Sales Adjustment Miscellaneous Security Credit Total Checks Posted and Returned Total Debit Reversals Debit Reversal Posting Error Correction Credit Check Posted and Returned Total ACH Return Items Individual ACH Return Item ACH Reversal Credit Total Rejected Credits Individual Rejected Credit Overdraft Return Item Return Item Adjustment Total ZBA Credits Net Zero-Balance Amount Cumulative ZBA or Disbursement Credits ZBA Credit CMA Float Adjustment CMA Credit Transfer ZBA Credit Adjustment Total Controlled Disbursing Credits .

FF Total Securities Sold .CHF Total Escrow Credits Individual Escrow Credit Total Miscellaneous Securities Credits .FF Total Securities Matured .FF Total Miscellaneous Securities Credits .000 Cumulative Credit Check Reversal Float Adjustment Miscellaneous Fee Refund .FF Total Securities Interest .CHF Individual Back Value Credit Item in Brokers Deposit Sweep Interest Income Sweep Principal Sell Futures Credit Principal Payments Credit Investment Sold 31 Code 351 352 353 354 355 356 357 358 359 360 361 362 363 364 366 367 368 369 370 372 373 374 376 377 378 379 381 382 383 384 385 386 387 388 389 390 391 392 393 394 395 397 398 Description Individual Investment Sold Total Cash Center Credits Cash Center Credit Interest Credit Investment Interest Total Credit Adjustment Credit Adjustment YTD Adjustment Credit Interest Adjustment Credit Total Credits Less Wire Transfer & Returned Checks Grand Total Credits Less Grand Total Debits Correspondent Collection Correspondent Collection Adjustment Loan Participation Currency and Coin Deposited Food Stamp Letter Food Stamp Adjustment Clearing Settlement Credit Total Back Value Credits Back Value Adjustment Customer Payroll FRB Statement RECAP Savings Bond Letter or Adjustment Treasury Tax and Loan Credit Transfer of Treasury Credit FRB Government Checks Cash Letter Credit FRB Government Check Adjustment FRB Postal Money Order Credit FRB Postal Money Order Adjustment FRB Cash Letter Auto Charge Credit Total Universal Credits FRB Cash Letter Auto Charge Adjustment FRB Fine Sort Cash Letter Credit FRB Fine Sort Adjustment Total Freight Payment Credits Total Miscellaneous Credits Universal Credit Freight Payment Credit Itemized Credit Over $10.CHF Total Foreign Check Purchased Late Deposit Total Securities Sold .FF Total Wire Transfers IN -CHF Total Fed Funds Sold Fed Funds Sold Total Trust Credits Trust Credit Total Value-Dated Funds Total Commercial Deposits Total International Credits .CHF Total Securities Matured .FF Total International Credits .CHF Total Securities Sold Total Broker Deposits Total Broker Deposits .CHF Total Securities Interest Total Securities Matured Total Securities Interest .FF Broker Deposit Total Broker Deposits .Code 281 285 286 294 295 301 302 303 304 305 306 307 308 309 310 315 316 318 319 320 321 324 325 326 327 328 329 330 331 332 336 338 340 341 342 343 344 345 346 347 348 349 350 Description Individual Controlled Disbursing Credit Total DTC Disbursing Credits Individual DTC Disbursing Credit Total ATM Credits ATM Credit Commercial Deposit Correspondent Bank Deposit Total Wire Transfers IN .

Cumulative MTD Cumulative Checks Paid Certified Check Debit Check Paid Federal Reserve Bank Letter Debit Bank Originated Debit Code 478 479 480 481 482 484 485 486 487 489 490 491 493 495 496 498 500 501 502 505 506 507 508 510 512 513 514 515 516 518 522 524 526 527 529 530 531 532 533 534 Description List Post Debits List Post Debit Total Loan Payments Individual Loan Payment Total Bank Originated Debits Draft DTC Draft Total Cash Letter Debits Cash Letter Debit Cash Letter Adjustment Total Outgoing Money Transfers Individual Outgoing Internal Money Transfer Customer Terminal Initiated Money Transfer Outgoing Money Transfer Money Transfer Adjustment Compensation Total Automatic Transfer Debits Individual Automatic Transfer Debit Bond Operations Debit Total Book Transfer Debits Book Transfer Debit Total International Money Transfer Debits Individual International Money Transfer Debits Total International Debits Letter Of Credit Debit Letter Of Credit Foreign Exchange Debit Total Letters of Credit Foreign Remittance Debit Foreign Collection Debit Foreign Checks Paid Commission International Money market Trading Standing Order Miscellaneous International Debit Total Security Debits Securities Purchased Total Amount of Securities Purchased Security Collection Debit Total Miscellaneous Securities DB FF 32 .Code 399 400 401 403 405 406 408 409 410 412 415 416 420 421 422 423 430 435 445 446 447 450 451 452 455 462 463 464 465 466 467 468 469 470 471 472 474 475 476 477 Description Miscellaneous Credit Total Debits Total Debit Amount MTD Today's Total Debits Total Debit Less Wire Transfers and Charge Backs Debits Not Detailed Float Adjustment Debit (Any Type) Total YTD Adjustment Total Debits (Excluding Returned Items) Lockbox Debit Total Lockbox Debits EDI Transaction Debits EDI Transaction Debit EDIBANX Settlement Debit EDIBANX Return Item Debit Total Payable Through Drafts Payable Through Draft ACH Concentration Debit Total ACH disbursement Funding Debits ACH Disbursement Funding Debit Total ACH Debits ACH Debit Received Item in ACH Disbursement or Debit Preauthorized ACH Debit Account Holder Initiated ACH Debit Corporate Trade Payment Debits Corporate Trade Payment Debit Corporate Trade Payment Settlement ACH Settlement ACH Settlement Debits ACH Return Item or Adjustment Settlement Miscellaneous ACH Debit Total Checks Paid Total Checks Paid .

Code 535 536 537 538 539 540 541 542 543 544 546 547 548 549 550 551 552 554 555 556 557 558 560 561 563 564 566 567 568 570 574 575 577 578 580 581 583 584 585 586 587 588 590 594 595 Description Purchase of Equity Securities Total Miscellaneous Securities Debit .FF Total Federal Reserve Bank Commercial Bank Debit Federal Reserve Bank .Commercial Bank Debit Total Securities Purchased .FF Total International Debit .CHF Total Wire Transfers Out .FF Total Broker Debits Total FED Funds Purchased FED Funds Purchased Total Cash Center Debits Cash Center Debit Total Debit Adjustment Debit Adjustment Total Trust Debits Trust Debit YTD Adjustment Debit Total Escrow Debits Individual Escrow Debit Individual Back Value Debit Transfer Calculation Debit Investments Purchased Individual Investment Purchased Interest Debit Total Investment Interest Debits Sweep Principal Buy Futures Debit Principal Payments Debit Interest Adjustment Debit Account Analysis Fee Correspondent Collection Debit Correspondent Collection Adjustment Loan Participation Intercept Debits Currency and Coin Shipped Food Stamp Letter .CHF Total Securities Purchased .Early Amount Total Disbursing Checks Paid .Later Amount Disbursing Funding Requirement FRB Presentment Estimate (Fed Estimate) Late Debits (After Modification) Total Disbursing Checks Paid .FF Total Broker Debits CHF Broker Debit Total Broker Debits .CHF Total Collection Debit Matured Repurchase Order Total Bankers Acceptance Debit Coupon Collection Debit Bankers' Acceptances Purchase of DEBT Securities Domestic Collection Interest/Matured Principal Payment Commercial Paper Capital Change Savings Bonds Sales Adjustment Miscellaneous Security Debit Total Deposited Items Returned Total Credit Reversals Credit Reversal Posting Error Correction Debit Deposited Item Returned Total ACH Return Items Individual ACH Return Item ACH Revisal Debit Total Rejected Debits Individual Rejected Debit Overdraft Overdraft Fee Return Item Return Item Fee Return Item Adjustment Total ZBA Debits Cumulative ZBA or Disbursement Debits ZBA Debit ZBA Debit Transfer ZBA Debit Adjustment Total Controlled Disbursing Debits Individual Controlled Disbursing Debit Total Disbursing Checks Paid .Last Amount Total DTC Debits Total ATM Debits ATM Debit 33 Code 596 597 601 602 610 611 612 613 614 615 616 617 618 621 622 623 625 626 627 628 629 630 631 632 633 634 640 641 644 646 650 651 654 655 656 657 658 659 661 662 663 664 665 666 667 Description Total ARP Debits ARP Debit Estimated Total Disbursement Adjusted Total Disbursement Total Funds Required Total Wire Transfers Out .CHF Total International Debit .

Code 668 669 670 672 673 674 676 677 678 679 681 682 683 684 685 686 687 688 689 690 691 692 693 694 Description Food Stamp Adjustment Clearing Settlement Debit Total Back Value Debits Back Value Adjustment Customer Payroll FRB Statement RECAP Savings Bond Letter Or Adjustment Treasury Tax And Loan Debit Transfer Of Treasury Debit FRB Government Checks Cash Letter Debit FRB Government Check Adjustment FRB Postal Money Order Debit FRB Postal Money Order Adjustment FRB Cash Letter Auto Charge Debit Total Universal Debits FRB Cash Letter auto Charge Adjustment FRB Fine-Sort Cash Letter Debit FRB Fine-Sort Adjustment Total Freight Payment Debits Total Miscellaneous Debits Universal Debit Freight Payment Debit Itemized Debit Over $10.000 Deposit Reversal Code 695 696 697 698 699 701 703 705 707 709 720 721 722 723 724 725 726 727 728 760 890 Description Deposit Correction Debit Regular Collection Cumulative Debits Miscellaneous Fees Miscellaneous Debit Principal Loan Balance Available Commitment Amount Payment Amount Due Principal Amount Past Due Interest Amount Past Due Total Loan Payment Amount Applied to Interest Amount Applied to Principal Amount Applied to Escrow Amount Applied to Late Charges Amount Applied to Buydown Amount Applied to Misc. Fees Amount Applied to Deferred Interest Detail Amount Applied to Service Charge Loan Disbursement Contain NON-MONETARY Information 34 .

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