Accounts

InclusiveBankingSuite
Accounts
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Accounts User Guide
Table of Contents
Table of Contents .................................................................................................................................... 1

Document History .................................................................................................................................... 3
Introduction.............................................................................................................................................. 4
Accounts.................................................................................................................................................. 5
Setting up a Nostro Account ................................................................................................................. 14
Customer Account ................................................................................................................................. 24
Internal Accounts .................................................................................................................................. 32
Close Accounts Online .......................................................................................................................... 34
Authorisation of Accounts ..................................................................................................................... 38
Authorise Account Closure.................................................................................................................... 39
List of Accounts ..................................................................................................................................... 40
Search for an Account ........................................................................................................................... 43
List of Customers by Accounts.............................................................................................................. 48
Account Balances ................................................................................................................................. 50
Account Statement ................................................................................................................................ 51
P/L Account Statement ......................................................................................................................... 53
Account Settlement Enquiry .................................................................................................................. 55
List of Inactive Accounts ....................................................................................................................... 56
List of Closed Accounts ......................................................................................................................... 57
List of Accounts Opened ....................................................................................................................... 58
List of Accounts Written Off................................................................................................................... 60
List of Accounts below Minimum Balance ............................................................................................. 62
Balances Summary ............................................................................................................................... 64
Deceased Customer List ....................................................................................................................... 66
Dormant Accounts Greater than Twelve Months .................................................................................. 67
Dormant Accounts by Selection Criteria ............................................................................................... 68
Account Balances by Customer ............................................................................................................ 69
Reset Inactive Accounts ........................................................................................................................ 70
Current Account with Revolving Credit Facility ..................................................................................... 71
Messaging ............................................................................................................................................. 80
Savings Insurance Claim Processing ................................................................................................... 83
Notes ..................................................................................................................................................... 84
2 InclusiveBankingSuite Product
Accounts User Guide
Document History
Author Version Date
Lynn Petersen 1.0 3rd August 2015
Dominik Gromek 1.1 1st April 2016
Lynn Petersen 2.0 11th April 2016
Esther Muniu 2.1 24th April 2017
Comments:
Accounts User Guide
Introduction
Pre-requisites
In order to get the most out of this user guide, it is essential that you are familiar with the standard
procedures regarding navigating your way around the system. This includes items such as program
access via menus data entry and editing, mandatory and multi‐level fields, committing details, and so
forth. All of these are described in detail in the Navigation user guide.
Accounts User Guide
Accounts
Overview
Two types of accounts are held in the Banking system; these are customer accounts (for example
savings) and internal accounts (your institution’s general ledger accounts).
The category codes refer to the actual accounts in the General Ledger where transactions (customer
and internal) will be placed.
The category codes in the range 1000 to 9999 are defined at implementation and restricted.
These include any accounts related to a customer and are identified by account numbers of up to 14
digits including the check digit (We use modulo 11 as the default formula for calculating the check digit.
Other options are available). It is not possible to open a customer account until the relevant customer
base record and group interest and charges conditions have been created.
In addition to the account number and the number of the customer base record to which the account
relates, the record contains details such as: Currency, Category, Limit, Account officer and so forth.
Customer details such as name, nationality, residence and so forth, are held in the customer base
record and will be taken form that record as and when required.
Internal accounts are defined in the range 10 000 to 19999.
The internal account numbers are made up by the key: currency code / category code / sequential
number e.g. EUR/10000/0100.
These include any accounts related to the institution, such as cash, unmerited profits and capital. Since
there is no customer base record related to Internal Accounts, details such as account title need to be
specified when the account is created.
Internal Accounts are identified by codes specifically structured to include information defining the
account as follows;
Currency ‐ Category‐ Subdivision within the main category classification.
To allow accurate and detailed MIS analysis, profit and loss data is not held in internal accounts, but is
kept at the lowest level by use of specific category codes which are used by all applications to record
profit and loss entries.
Blocked (Held) Funds

In previous releases, blocked funds were recorded directly into the ACCOUNT application as a ‘Locked
Amount’ with an associated ‘From Date’. The balance of the account was checked against the total
amount of locked amounts, and if it fell below an override message was generated.
The system has been enhanced to give much more control over these locked amounts, with each
amount being recorded as an EVENT in a new application called AC.LOCKED.EVENTS.
This file contains details of each amount to be locked for an account, with both start and end dates.
These events are recorded on the ACCOUNT application using the existing fields FROM.DATE and
LOCKED.AMOUNT, which are no longer available for direct input. The system now builds a ‘ladder; of
values by date, automatically combining locked events that cover the same periods and accommodates
all increases and decreases. An event for zero amounts is automatically created to take effect from the
date after the last locked amount ends.
Depending on the settings of the CREDIT.CHECK field affecting the account in question, the system
checks either the WORKING.BALANCE against the highest amount locked or checks each
AVAILABLE.BALANCE within the cash‐flow period against each locked amount within the same
period.
Whenever the balance falls below the locked amount (in accordance with the above rules) an override
is generated to warn of that fact. Note that the override does not indicate by how much the account is
short.
Accounts User Guide
AC.LOCKED.EVENTS version
The first block is in the amount of USD500, whereas the screen print below shows the update to the
blocked amount after the COB processed the loan repayment on a contract where the amount blocked
reduces progressively (in line with the outstanding principal).
AC.LOCKED.EVENTS version
AC.LOCKED.EVENTS
Field Description
Transaction Reference ID A unique reference number that identifies a particular locking

event. The number is automatically generated by the system in
the format ACLK Julian Date Sequential Number.
Validation rules:
Accounts User Guide
The Julian date cannot be earlier than the system date.
Account Number Identifies and account on which the funds are blocked.
Description A free-format field describing the reason for locking the amount
on this record.
From Date This is the date on which the lock on the amount commences.
To Date This is the date on which the lock will end. If left blank, the event
will have no end date.
Locked Amount The amount of funds that is locked during each event.
Contract ID The contract reference, to identify which loan contract the

amount is held as security for.
Whether the balance is checked against WORKING.BALANCE or AVAILABLE.BALANCE depends on

the input in the field CREDIT.CHECK on the ACCOUNT, ACCOUNT.GROUP.CONDITION or
ACCOUNT.PARAMETER.
Validation Rules
Field Description
Available Credit check is done using AVAILABLE.BAL
Working Credit check is done using WORKING.BAL
Forward Credit check is done using WORKING.BAL plus today’s forward

movements
Availwork Credit check is done using AVAILABLE.BAL and

WORKING.BAL
Availfwd Credit check is done using AVAILABLE.BAL and

WORKING.BAL plus today’s forward movements
Blank The default check is done against the WORKING.BAL
A teller transaction against the locked amount generates this message to the user:
Accounts User Guide
Online Account Closing

New functionality is developed to facilitate ONLINE closure of accounts. There are two types of Account
Closures handled here. One is closure of account online and transfer of the proceeds to a settlement
account, the other is Cash Closure, i.e. Closure of the account and process of the transaction through
the teller for the receipt or payment of cash.
A new field is included in the application ACCOUNT.CLOSURE, called CLOSE.ONLINE. This is to be input
as ‘Y’ to enable online closure of an account.
If a settlement account is supplied and this field is set to ‘Y’, then at the time of authorisation of an
ACCOUNT.CLOSURE record, an FT is generated to transfer the net balance in the account to the
SETTLEMENT.ACCOUNT. The interest and charges for the account that is closed are passed through
an intermediary account. This account is to be opened as an Internal Account with ACCOUNT.CLASS
as SUSACONLINE.
In the case of cash closure, the settlement account is not supplied in the ACCOUNT.CLOSURE
application. At the time of committing the ACCOUNT.CLOSURE record, an override will appear to
inform the user “CASH TYPE CLOSURE, NO SETTLEMENT ACCOUNT SPECIFIED”. If the override
is allowed then a TELLER record is generated in IHLD.
Here also the interest and charges for the account that is closed are passed through an intermediary
account and the NET amount is populated in the TELLER record generated in IHLD.
On authorisation of the TELLER record, the ACCOUNT.CLOSURE record is authorised, and necessary
entries are generated. Care should be taken to use the correct TELLER.TRANSACTION ID depending
upon the nature of the balance (Dr/Cr) in the closed account.
If the TELLER record that was generated is deleted, then the ACCOUNT.CLOSURE record is also
deleted by the system. On the other hand, if the ACCOUNT.CLOSURE record is deleted, the
corresponding TELLER record is also deleted. When this is done, the update in the ACCOUNT record
is also removed and the field is updated with null.
During Close of Business the capitalisation entries are generated and posted to the intermediary internal
account and its balance becomes zero. The closed account is then moved to History.
ACCOUNT.ACCRUAL
The purpose of the Account Accrual table is to provide the system with information at Company level
about how and when to process Accruals of interest and charges on Customer Accounts and whether
interest capitalisation is inclusive or exclusive of the balance on capitalisation date, the value dates of
interest entries generated and the day on which the entries are booked.
Interest Accruals may be processed daily or monthly, or it could be specified that no accrual is to be
made. Account charges may only be processed at calendar month end.
The periods of interest accrual could be specified at Account Group or Category Level for different
Currency types (foreign or local). For Accounts not covered by specified definition, default interest
accrual periodicity could be defined based on Account Currency type.
Dates for interest capitalisation are specified at group level in the Group Capitalisation table and for
specific Accounts in the Account Capitalisation table.
Category Codes and Interest Adjustments

It is possible through fields on the ACCOUNT.PARAMETER application to configure the CATEGORY
codes used to book adjustments to the previous year and month, for all types of interest (Debit, Debit2,
Credit and Credit2). At correction time of a previous capitalisation the system will compare the
capitalisation date against the last FINANCIAL YEAR.END.
In the COMPANY record and if the correction date falls in the last year the P&L adjustment will be
posted to the last year category, if not it will be posted to this year. Debit interest adjustment categories
must be in the range 51000 to 51999 and credit interest adjustment categories must be in the range
50000 to 50999.
Accounts User Guide
The ACCOUNT application is accessed through the following menus and sub‐menus.
Accounts Menu
 Various Customer Accounts

 Internal Accounts
 Close Accounts On‐Line
 Authorisation of Accounts
 Authorise Account Closure
 Account Enquiries
- List of Accounts
- Search for an Account
- List of Customers by Accounts
- Account Balances
- Account Statement
- P/L Account Statement
- Account Settlement Enquiry
- List of Inactive Accounts
- List of Closed Accounts
- List of Accounts Opened
- List of Accounts Written Off
- List of Accounts Below Minimum Balance
- Balances Summary
- Deceased Customer List
- Dormant Accounts Greater than 12 Months
- Dormant Accounts by Selection Criteria
- Account Balances by Customer
Other Actions:
 Reset Inactive Accounts
 Current Accounts with Revolving Credit Facility
 Dividend Handling
 Messaging
 Savings Insurance Claim Processing
Accounts User Guide
Role Based Home Page

Customer Service Agent Home Page>>Search Customer>>Accounts>>Select from the menu under
‘Shortcuts’
All-in-One Home Page>>Customers>>Search for Customer>>Accounts>>Select from menu under

‘Shortcuts’
Accounts User Guide
Customer Accounts
A customer ACCOUNT can be one of many different types, a simple current account, overdraft or savings
accounts and many more. The strength of the Banking system lies in the flexibility within which new
account types can be added to it in order to meet the institution’s ongoing requirements.
This is a customer‐orientated system. An account is connected to a CUSTOMER record and thus the
owner and address details are not entered on the individual ACCOUNT. This eliminates the need for
extensive maintenance of customer information such as when a customer changes their address.
When the Banking system is installed, part of the implementation process is to configure the types of
accounts the institution wishes to offer and their characteristics. Typically this would include the
debit/credit interest rates, interest and charges capitalisation frequencies, statement production cycle,
charges, other account group conditions etc. Once these key files are set up the addition of a new customer
ACCOUNT is very simple.
The processing options available on customer accounts include:
 Posting Restrictions
 Referral Conditions
 Alternate Account IDs
 Mnemonic Codes
 Joint account holders
 Liquidation of interest to another account
 Charges capitalised to another account
 Interest and Charges settled in currencies other than the account currency
 Combining balances across accounts before interest calculations
 System information fields such as balances, etc.
An example of a regular share/savings account is shown below:
Accounts User Guide
In the above example, the account 10286 has a field MNEMONIC that contains a value of M100162‐0.
This mnemonic can be entered into any Standard T24 ACCOUNT field and is translated automatically
into the correct ACCOUNT number.
NOSTRO account records have a key in the same format as a customer ACCOUNT and the account-
servicing bank is treated as a CUSTOMER for most purposes. It is identified by the
CATEGORY code and the LIMIT.REF field containing the word “NOSTRO”. As it is a shadow of the
VOSTRO account maintained by the correspondent, the customer ID is informational the real account
owner is your institution. An example of a NOSTRO account is shown below:
Accounts User Guide
When setting up a Nostro Account the customer of the ACCOUNT should not receive a statement, or
debit/credit advices. These should be re-directed to your reconciliation department. Create a print re-
direct address for the correspondent (e.g. US0010001.C-100002.PRINT.2 on DE.ADDRESS) then in
DE.PRODUCT create a record for the Nostro Account (e.g. US0010001.A-10065.ALL.ALL) this will
prevent any advices for this account being sent to your correspondent.
For information on the Reconciliation module, its capabilities and how it can assist your Finance
Department in their daily workflow please refer to the Nostro Reconciliation User Guide.
Internal Accounts
Internal accounts are not related to a CUSTOMER record, and are used for maintenance of cash
accounts, accrued profits, suspense accounts, tax and capital accounts. Since there is no CUSTOMER
record related to internal accounts, details such as account title and short title need to be specified
when the account is created. The account number of an internal account consists of the currency,
category and a subdivision number. An example of a simple internal cash account is shown below:
Accounts User Guide
Setting up a Nostro Account

Overview
A Nostro Account is a duplicate of the account that your institution holds in the books of another financial
institution. There is no limitation on the number of Nostro Accounts that may be held.
The Nostro Reconciliation module may be used for automatic reconciliation of the account with the
electronic version of the bank statement. Please refer to the user guide on Nostro Reconciliation for
details on the reconciliation processes.
Access and Set-up

1. Administrator Menu>>System Tables>>Sector Code
Ensure that code 8001 - Banks has been defined in this table.
2. Administrator Menu>>System Tables>>Industry Code

Ensure that code 8000 - Banks has been defined in this table.
Accounts User Guide
3. CATEGORY
Create CATEGORY 5001, called Nostro Account
4. ACCOUNT.CLASS
Use the parameters defined earlier to create the NOSTRO and BANK records in the
ACCOUNT.CLASS application.
Accounts User Guide
5. Customer Menu>>Non‐Individual Customer

Create a Non‐Individual Customer record for the financial institution. Ensure that the Sector
code is as defined in the ACCOUNT.CLASS application:
6. Account
Create an account by entering ACCOUNT, (comma) in the command line
Click on the New Deal icon and complete the fields as described below
When all the details have been entered, click on the Commit icon
ACCOUNT version
Note: the ‘Y’ flag at RECONCILE ACCT field will mean consolidated entries on the account statement.
Accounts User Guide
Field Description
Account Number This is the number of the account. The format is defined by your
institution and set up at the time of implementation.
Customer Number Specify the customer for whom the account is being opened.
Select the number from the drop-down list.
Category The category code is the unique identification number for this
product (in the GL) and allocated on configuration of your
system, in this example it is 5001.
Account Name This is the name that describes the account. You may use up to
35 characters.
Currency This specifies the currency in which all financial entries for this
account will be recorded. Select the appropriate code from the
drop-down list. The default is the local currency of your
institution.
Account Officer This is the main Account Officer responsible for the account. The
field will be populated with the ID of the account officer as
defined on the Customer Information File.
Alternatively, select an Account Officer from the drop-down list.
The details are created and maintained in Administrator
Menu>>System Tables>>Account Officer
Limit Reference The system will default NOSTRO in this field once the record is
validated or committed,
Reconcile Acct Set the value to ‘Yes’.
7. AGENCY
The Agency File contains settlement details of major customers and all banks irrespective of
whether there is any business connection. Details include any arrangements, account
relationships and, where possible, the Agents correspondent bankers for specific currencies. This
information is entered centrally to supply Automatic Routing instructions for remittances/cover to
all banks and customers with whom your institution has numerous dealings. This eliminates the
need to re-enter the details at transaction level. It thus allows full advantage to be taken of
electronic delivery facilities by providing, automatically, the settlement agents for
remittances/cover involved in outward payments.
The absence of Agent's correspondent bankers’ information in this file will force the user to enter
these details each time at the transaction level.
Any Nostro account defined in this table is for information only and will not be used as a default
Nostro by the Transaction Processing Application which always uses the NOSTRO.ACCOUNT
file.
The basic details of these banks and major customers must first be defined in the Customer file
before the creation of the Agent details will be allowed. Having created a Customer record, which
is a Bank, it is advisable to create an Agency record with the same key, and all available auto-
routing details.
Accounts User Guide
AGENCY version
Field Description
Nostro Acct No This is the number of the account opened in step 6 above. The
format is defined by your institution and set up at the time of
implementation.
Defines our actual Account Number in the Books of the Agent
Our Ext Acct No
Bank with whom a Nostro Account relationship exists. It is used
to identify the correspondent's statements related to the account.
Any details entered into this field will be accepted without further
validation and are for information only.
Validation Rules:
Up to 34 type A (alphanumeric) characters. Multi value field to
define actual Nostro account numbers. Associated with field
NOSTRO.ACCT.NO. (Optional input if Nostro Account details
input, otherwise not allowed.)
Holds IBAN of the OUR.EXT.ACCT.NO
Iban Our Ex Acc
If value is entered, it will be validated against
IN.IBAN.STRUCTURE file, else an equivalent IBAN will be
retrieved from an external account record with alternate account
type set as “T24.IBAN”
Accounts User Guide
Draft Advice Defines those bank accounts which require drawing advices to
be issued and sent to them when drafts are drawn on them.
Defines the Account Number of an account belonging to an
Their Acct No
Agent (correspondent) maintaining a Vostro Account in our
Books.
The Currency of the Vostro Account will be checked to ensure
that it is OUR local currency. Where it is in a Currency other than
local, an override will be required.
The Customer number on the Account record must correspond
to the ID field of the Agent being defined.
Validation Rules:
2-16 numeric character Account number or 3-10 type MNE
(uppercase alpha or numeric or '.') character mnemonic. Multi
value field. (Optional input if Agent is defined as a bank and the
Account as a Vostro as per ACCOUNT.CLASS file. Otherwise
not allowed.)
Defines the American Banks Association (ABA) unique
Aba Number
identification for banks in the U.S.
Within Funds Transfer, the SWIFT standard for Country codes
has been adopted. Therefore, the program tests for Residence
= US, if SWIFT is not being used this can be amended to test for
the actual code used.
Validation Rules:
4 numeric characters. Optional input if Agent is defined as a
Bank (as per ACCOUNT.CLASS file). Otherwise not allowed.
The Residence on the Customer record must be United States
of America.
Defines the Universal ID applicable to banks and some multi-
Univ Id
national Customers.
This identification is acknowledged throughout the world and
thus the field values are obtainable from a published user guide.
Validation Rules:
6 numeric characters. (Optional input if ABA number is blank,
otherwise not allowed.)
Defines the SWIFT confirmation address to be used on
Swift Conf Addr
inward/outward telex payments involving this Agent (bank).
It is used in the generation of S.W.I.F.T. Common Reference in
S.W.I.F.T. messages. If this field is not completed then invalid
S.W.I.F.T. messages may be generated for this addressee.
Validation Rules:
8 or 11 characters in the following format: a) Bank code: 4 type
SSS (uppercase alpha) characters. b) Country: 2 type SSS
(uppercase alpha) character country code. c) Location/ Bank
code: 2 or 5 characters in the range A-Z and 0-9. (Optional input,
otherwise not allowed.)
The country will be checked to the COUNTRY Code file.
If an input is made and the Agent is not defined as a bank then
an override is required.
Test Signature Defines if testing arrangements exist with the Agent and if they
hold our authorised signatures.
Where a NOSTRO.ACCOUNT relationship is maintained with
this Agent, input must be T or B;
T = Telegraphic testing arrangements exist
S = Signature arrangements exist
B = Both conditions T and S exist
Accounts User Guide
Blank = No control documents
Autorouting Defines whether or no automatic routing instructions are to be

used for this Agent.
Defines the Currency for which the associated settlement
Autorte Ccy
(Autorouting) instructions are to be used.
Each Autoroute is defined by the Currency of the remittance. For
each Currency separate routing instructions can be defined for
each Application.
Validation Rules:
3 type SSS (Uppercase alpha) characters or 1-3 numeric
character Currency code. Multi value field associated with field
range AUTORTE.APPL to AUTORTE.ACCT. (Mandatory input
if Autorouting indicator is Y.)
Any specific Currency code can only be defined once per Agent.
The specified Autoroute Bank must also have the same currency
quoted before data may be accepted for this Agent record.
Defines the Application to which the associated Autoroute
Autorte Appl
instructions apply.
When an ALL condition has been input in this field for a specific
Currency, an Application ID for the same Currency will only be
accepted if the Autoroute bank or the Autoroute Account are
different between the ALL and Application condition.
Validation Rules:
FD = Fiduciary FR = Future Rate Agreement
FT = Funds Transfer FX = Foreign Exchange
LC = Letters of Credit LD = Loans/Deposits
MM = Money Market SC = Securities
ALL = All of above Sub-value field of multi value field
AUTORTE.CCY associated with the sub-value fields
AUTORTE.BANK to AUTORTE.ACCT. (Mandatory input if
associated Autoroute Currency is input. Otherwise not allowed.)
Any specific Application ID can only be defined once per
Currency.
ALL can be used to represent all Applications or all other
Applications.
Where both ALL and a specific Application is defined, the
System first attempts to use the specific Application. If not
acceptable (e.g. wrong Transaction Type) then use will be made
of the ALL default values.
Defines the bank to whom the Agent wishes cover to be paid for
Autorte Bank
payments in a specified Currency and Application or a specific
Customer or Vostro account or BIC code prefixed by SW- to be
used as the default.
If VOSTRO has been input there must be a valid Vostro Account
in THEIR.ACCT.NO, with the same Currency as the Currency
input.
Validation Rules:
1-10 numeric character Customer code or 3-10 or type MNE
(uppercase alpha or numeric or '.') character Customer
mnemonic or CUSTOMER or VOSTRO. Sub-value field of multi
value field AUTORTE.CCY and has associated fields
AUTORTE.APPL to AUTORTE.ACCT. (Mandatory input if
AUTORTE.CCY is input otherwise not allowed.) If the data input
is not CUSTOMER or VOSTRO it will be checked against the
ACCOUNT.CLASS file to ensure that it is a bank. If the data input
is not CUSTOMER or VOSTRO then it must either be itself or
exist on the AGENCY File. If the data input is not CUSTOMER
or VOSTRO then the Residence of the Autoroute Bank is not the
Accounts User Guide
same as the Country of the Currency defined in the prior field,

an override will be requested but before this the following
additional checks will be performed on the Agency record of the
Autoroute Bank entered: - The Currency input must already exist
on the Autoroute Bank entered. - The Autoroute Bank for that
Currency is not the same as the Agent being defined. - The
Residence of the Autoroute Bank for that Currency must equal
the Country of the Currency defined in Autoroute Currency of the
Agent being defined. If the data input is not CUSTOMER or
VOSTRO then the Autoroute Bank cannot be the same as the
Agent except if defining the Autorouting conditions for the local
currency of the Agent.
The BIC code entered must be valid BIC code and should
already exist on the Agency file and should be prefixed by SW-.
The total length of this field is 14 characters. The BIC code may
also exist in DE.BIC.
N.B. In order to use the 'SW-' functionality in Funds Transfer, the
FT.TXN.TYPE.CONDITION field SWIFT.ADDRESS must be set
to YES for each of the types e.g. AC, OT, IC.
Defines the Region of the Country in which the Autoroute Bank
Autorte Regn
resides.
If required the location of banks within a Country can be divided
into Regions to cater for specific local holidays in order that
varying notice periods may be applied.
Validation Rules:
1-2 numeric characters. Sub-value field of multi value field
AUTORTE.CCY associated with field range AUTORTE.APPL to
AUTORTE.ACCT. (Optional input)
It must be a valid code on the REGION table. (The Residence of
the Autoroute Bank is linked with the Region input in order to
validate against the REGION table.)
If CUSTOMER or VOSTRO has been input in the Autoroute
Bank field, the Region of the Country will be checked.
Defines the external Account number of the Agent with the
Autorte Acct
Autoroute Bank.
If CUSTOMER is entered as the Autoroute Bank for the
associated AUTORTE.BANK field then an account number must
be entered in this field. The account must be in the same
currency as the associated AUTORTE.CCY, it must have the
same customer as the key to the AGENCY file and it must not
be defined as a NOSTRO or VOSTRO account.
If VOSTRO is entered as the Autoroute Bank, the System
defaults to the first THEIR.ACCT.NO with the Currency as
specified. If entered, must be one of the Vostro accounts
specified in THEIR.ACCT.NO fields.
Example:
Let us suppose that we are ABC bank and that we want to load
the AGENCY file with Deutsche Bank Frankfurt who wish to
receive for all Applications:
GBP with ABC bank 654321 USD with Morgan N.Y./Acct 123456
FRF with BNP Paris Acct 234567 DEM with themselves
The following Agent record will be loaded up:
Deutsche Bank Frankfurt
Field Description Field Input
THEIR.ACCT.NO : 654321 AUTOROUTING : Yes
AUTORTE.CCY : GBP AUTORTE.APPL : ALL
AUTORTE.BANK : VOSTRO AUTORTE.REGN : 01
AUTORTE.ACCT : 654321 (defaulted)
Accounts User Guide
AUTORTE.CCY : USD AUTORTE.APPL : ALL

AUTORTE.BANK : Morgan NY AUTORTE.REGN : 01
AUTORTE.ACCT : 123456
AUTORTE.CCY : FRF AUTORTE.APPL : ALL AUTORTE.BANK
: BNP Paris AUTORTE.REGN : 01 AUTORTE.ACCT : 234567
AUTORTE.CCY : DEM AUTORTE.APPL : ALL
AUTORTE.BANK : Deutsche Fft (same as Agent)
AUTORTE.REGN : 01 AUTORTE.ACCT
Validation Rules:
Up to 34 type A (alphanumeric) characters or If CUSTOMER or
VOSTRO is the Autoroute Bank either: 2-16 numeric character
Account number or 3-10 type MNE (Uppercase alpha or numeric
or '.') character Account mnemonic. Sub-value field of multi value
field AUTORTE.CCY and associated with field range
AUTORTE.APPL to AUTORTE.REGN. (Optional input. Not
allowed if associated Autoroute Bank is this actual Agent
record.)
Specifies the currency for which a national clearing system code
Clear Ccy
is required on a SWIFT message.
This field is multivalued and associated with field CLEAR.CODE.
It is used with the "AGENT" conversion when defining a
message on the DE.FORMAT.SWIFT file.
Validation Rules:
3 type SSS (uppercase alpha) characters or 1-3 numeric
character currency code.
Must not be duplicated.
Must be input if the corresponding CLEAR.CODE field is input.
Specifies the national clearing system code to be used on a
Clear Code
SWIFT message.
This field is multi-valued and associated with field CLEAR.CCY.
It is used with the "AGENT" conversion when defining a
message on the DE.FORMAT.SWIFT file.
Validation Rules:
Up to 13 type A (alphanumeric) characters.
Input must be in the format of 2 alpha characters followed by up
to 11 numeric characters.
Must be input if the corresponding CLEAR.CCY field is input.
This field is used to indicate that an Agreement exists with the
Autoroute Agrd
correspondent bank whose AGENCY record this is. Limited to
the FUNDS.TRANSFER application, the use of this field controls
whether a cover payment is sent to the correspondent bank (or
not) in situations where the receiving bank of the direct payment
has the same correspondent as we do.
The field has three possible values:
Blank
Where it is blank then cover payments will be sent where
required and the SWIFT message will contain values in both the
Sender Correspondent and Receivers Correspondent.
NO
Similar to above but only the senders correspondent is present.
YES
An agreement exists, and if both we and the receiver of the direct
payment message share the same correspondent the cover
payment is to be suppressed. Additionally, only the receivers
correspondent field will be populated (the senders
correspondent will be blank).
This field is used in conjunction with field
Cut Off Rule
CUT.OFF.TIME
DEBIT.VALUE.DATE
Accounts User Guide
If the transaction is entered before the cut off time on the

currency file (for the debit currency) and
CUT.OFF.RULE
Validation Rules:
Valid values are 0 and 1
A value of 0 indicates that the 48 hour cut off time rule is not
being applied to this AGENCY record.
A value of 1 indicates that the rule is being applied.
Accounts User Guide
Customer Account
Overview
Various menu options are available for the creation of Customer Accounts. This is where we open the
accounts of the products that our institution offers our customers.
Access
Account Menu>>…. Account
Or
Role Based Home Page>>Customer Services Agent>>Search for Customer>>Accounts
Procedure
1. Select the account type from the menu.
2. Click on the New Deal icon. The system will allocate the next available account number.
3. Enter the details as described below.
4. When everything has been completed click on the Commit icon.
5. It is important to remember to have the entry authorised before the record will be available for
transactions.
Accounts User Guide
Fields for entry
Mandatory fields are identified by a red asterisk to the left of the input area and needs to be filled
with relevant data.
ACCOUNT version
Field Description
Account Number This is the number of the account. The format is defined by your
institution and set up at the time of implementation.
Customer Number Specify the customer for whom the account is being opened.
Select the number from the drop down list.
Other context enquiries are available at the prompt on this

field:
Category The category code is the unique identification number of this

product and allocated on configuration of your system.
This is automatically allocated by the system and depends on
the menu option selected by you, for example 7313 is a regular
share or savings account.
Accounts User Guide
Account Name This is the name that describes the account. You may use up to
35 characters.
The name defaults from the information as stored on the
Customer Information File and you are able to change the name
of the account as requested by the customer, for example
HOLIDAY account, should the customer wish to allocate
different savings accounts for different purposes.
Currency This specifies the currency in which all entries for this account
will be made.
Select the appropriate one from the drop‐down list.
The default is the local currency of the institution.
Account Officer This is the main Account Officer responsible for the account. The
value in the field will be populated with the ID of the Account
Officer as defined in the Customer Information File.
Alternatively, select the appropriate ID from the drop-down list.
The details are created and maintained in Administrator
Menu>>System Tables>>Account Officer.
Account Mnemonic The account mnemonic is of great importance in this release of

the software. In order to make use of the Teller Applications and
Payroll Processing that allow for the payment of money into
savings, loans and loan interest, all on one version, care needs
to be taken when setting up the account mnemonics.
The account mnemonic has to be unique, in fact, the system
does not allow duplicate records, and the savings, and loan and
interest accounts are linked as follows:
Mnemonic for the savings account: M100119‐0
Mnemonic for the loan account: M100119‐0A
Mnemonic for the interest account: M100119‐00
The system requires that the first character of the mnemonic be
an alpha character, 100119 represents the customer number,
this may however, be the unique identifying number from the
legacy system. For example, the customer account was 1800Q,
the savings account mnemonic may be set as M001800‐0, or
Q001800‐0.
Employee Number The system will default the Employee Number as maintained in
the Customer Information File. This is a no-input field and for
information purposes only.
Employer’s Code The system will default the Employer’s Code as maintained in
the Customer Information File. This is a no-input field and for
information purposes only.
Limit Reference If the customer has a credit limit covering this account, enter the
applicable limit reference here.
Limits may be set up per customer, group, product, industry
and/or currency.
Should you leave this field blank, and a limit reference exists for
this product, the system will display the reference on committing
the record.
Accounts User Guide
Blocked Reasons If this account is blocked, record this by selecting a reason from
the drop-down list. When the account is blocked as security for
a loan, the amount will be automatically blocked during the loans
processing (there is no requirement to repeat the block on the
account (which is done through AC.LOCKED.EVENTS
described elsewhere in this document)).
The block will prevent the account from receiving debit or credit
or both debit and credit transactions while in force.
Opening Date This is the date on which the account was opened. If you leave
this blank, then the system will default the current system date.
Dates are entered in the format DD-MMM-YYYY, for example 01
AUG 2015, or use the calendar provided.
Contains the value date of future credit and debit movements to
Value Date
the account for the purpose of cash flow processing.
Fields CREDIT.MOVEMENT to VALUE.DATED.BAL indicate all
debit and credit movements to the account valued on the date in
this field.
Cash flow Balances are held here for all forward dated and value
dated account movements up to the number of calendar days
forward from today as specified on the 'CASH FLOW DAYS' field
on the ACCOUNT.PARAMETER file.
If a value dated entry (not forward dated), is made to the account
for a value date that is past the cash flow window, then this value
date will replace the old window end date and all cash flow
balances will be shown up to this new date.
Validation Rules:
Standard date format. This field forms a multi value set with fields
VALUE.DATE and field VALUE.DATED.BAL.
Dormancy period is tracked. The inactive period (per product) is
Inactive Marker
set up at implementation. Once an account reaches that period
of inactivity, a report is generated and the account flagged
accordingly. The processes to reset an inactive account is
described elsewhere in this user guide.
The default value for share accounts is ‘Yes’. The system will
Calculate Dividend
track the daily closing balance for the purposes of calculating
dividends.
Indicate whether the customer (member) would like Withholding
Tax Payable Y/N
Tax to be deducted from the dividend earned by selecting either
Y or N.
Insurable Y/N Indicate whether the balance on this account is to be tracked for
savings insurance purposes. The total insurable balances of this
customer will be tracked and the overall position is to be added
to the Customer Information File>>Individual Customer>>Other
Info (stores the value from the legacy system) at the time of
processing an insurance claim.
Note: The Customer Information File setting takes preference
over the Account setting, to explain - the setting on the customer
record is ‘Yes’ and the setting on the account is ‘No’, insurance
will be calculated on this particular account.
However, if the setting on the customer record is ‘No’, insurance
will not be calculated even if you set the value of this field on the
account to ‘Yes’.
Current Year Dividend Points For Credit Union implementations: the system calculates and
displays the dividend points earned on this account during the
current year.
Accounts User Guide
At the End of the Financial Year, the figure in this field is

transferred to the field below and a dividend points are
accumulated anew.
Dividends will be paid on the figure recorded in this field after the
Previous Year Dividend Points
AGM when the dividend will be declared. This figure will be
stored for the duration of the Financial Year.
For Credit Union implementations: the system calculates the
Savings Insurance Value
Insurance Value per age band and displays the values in these
sets of fields.
For more on dividend processing and handling, please refer to the user guide on Dividend Processing.
JOINT ACCOUNT HOLDER(S) version
Field Description
Joint Customer Should the account be a joint account between two or more
customers, each customer has to be recorded as a customer on
the system. In other words, each customer will have a Customer
Information File and therefore a Customer Number. A
relationship needs to exist between the customers of a joint
account.
Enter the Customer Number in this field.
Relationship On entering the Customer Number in the field above, the

relationship code is populated in this field.
Note: It is necessary that the relationship be created on
Customer level first.
Joint Notes This is a free-format field where you may record any relevant
information. The fields above are associated multi value to allow
you to record the data for each customer.
Should a customer leave the joint account, merely remove the
multi value set of fields that contain his/her data. The history file
stores details where you may refer in need.
Accounts User Guide
ATM CARD version
The purpose of this version is not to provide card management, but to facilitate the ordering and issuing
of a plastic card to the customer/s of the account. An interface to the card production company will place
the order and when the card is issued, transactions processed on the card will be authenticated. This
discussion assumes that the interface with the card production company is in place and that the orders
are placed when the batch job is processed during the COB.
Field Description
ATM Card (Y/N) Indicate whether cards have been ordered/issued on this
account.
ATM Card Number Enter the Card Number (one received from the card production
company or from existing stock)
ATM Cardholder The ATM Card Holder has to be a customer on the system. Enter
the Customer Number or select from the drop-down list.
Enhanced search options are available at the icon adjacent
to the field.
ATM Card Status Select the status of the card from the drop-down list. This list is
maintained in Administrator Manu>>System Tables>>ATM
Status.
Statuses are: Ordered, Issued, Lost, Replaced, Closed, etc.
Last Status Update The system displays the date of the last card status update.
Max Card Balance This is the maximum withdrawal amount that the cardholder/s
may process against the card during any one day. This limit is
typically defined by the customer.
Accounts User Guide
SIGNATORIES version
Field Description
Signing Instructions Indicate whether there are any signing instructions (mandate or
power of attorney) on the account by selecting ‘Y’ in this field.
Signatory Code/name Enter the Customer Number or if the signatory is not a customer
of your institution, then enter the signatory name.
Sign Pport/ID Type The system populates this field with the signatory’s Identification
details, if the signatory is not a customer of your institution, you
will need to enter the relevant information.
Sign ID/Ppport No The system populates this field with the signatory’s Identification
Number, if the signatory is not a customer of your institution, you
will need to enter the relevant information.
The system populates this field with the expiry date (if applicable)
Pport Expiry Date
of the Identification Document, if the signatory is not a customer
of your institution, you will need to enter the relevant information.
Date of Signing Enter the date on which the signing instructions were received.
Signing Instructions
The fields above as associated multi value to allow you to record the data for each signatory. Should the
signatory resign from the account, merely remove the associated multi value set. The history file stores
details where you may refer in need.
Accounts User Guide
DIARY version
Field Description
Date Enter the date on which the Notes are captured. Entries captured
here are for memo purposes only and will not generate any
report as is the case with DIARY Standing Order instructions.
Notes Free format field to capture any notes.
The AUDIT Version displays audit details such as who was the inputter, who the authoriser, and so
forth, which are not available for entry or editing as they are automatically updated by the system.
Accounts User Guide
Internal Accounts
Overview
The internal accounts refer directly to the accounts within your institution’s General Ledger. Great care
should be exercised when setting up or maintaining these, as the consequences will be far‐
reaching. Internal accounts are pre‐configured at implementation.
Access
Account Menu>>Internal Account
Procedure
1. Select the menu option.
2. Enter the Account Number. The format is CCYXXXXXXXXX. For example the USD cash account for
Till Two would be entered as USD100000002.
3. Click on the Edit icon.
6. It is important to remember to have the entry authorised before the record will become “Live”.
Fields for entry
with relevant data.
INTERNAL ACCOUNT version
Field Description
Internal Account Number The key to the internal account number is:
Currency/category code/sequence number, for example
USD100000002, the system converts the input to
USD-10000-0002
Account Name Enter the name of the account
Short Name An abbreviated description which may for instance be used on

reports where space is limited. The minimum length is 3 and the
maximum 15 characters.
Accounts User Guide
Mnemonic Enter the mnemonic for the account, up to 10 characters of which

the first is to be an Alpha character. This is an alternative
identifier (perhaps the number on the external third party GL).
Category The category is identical to the category code in the account

number key,
Currency Enter the currency code, to be the same as the currency code in
the account number key. The system defaults to the local
currency code of your institution.
Account Officer Enter the ID of the account officer responsible for this account.
Opening Date This is the date on which the account was opened. If you leave
this field blank, the system will default the current system date in
this field. Dates are either in the format DDMMMYYYY such as
12JAN2015, 20150112 or selected from the calendar provided,
Accounts User Guide
Close Accounts Online

Overview
This option allows you to close an account for any number of reasons.
This file contains details such as outstanding interest and charges and is used to indicate that an
account is flagged for closure.
The information is provided to help the user determine the entries which must be entered to bring the
balance to zero and allow automatic closing to take place.
Access
Account Menu>>Close Account On‐line
RBHP>>Savings>>Closed Account>>Initiate Account Closure
Procedure

2. Enter the number of the account you wish to close.
6. It is important to have the record authorised in order for the account to be closed.
Fields for entry
with relevant data.
CLOSE ACCOUNT ON LINE version
Accounts User Guide
Field Description
Close Account On Line Enter the number of the account to be closed.

When an ACCOUNT is flagged for closure, any entries
processed to the ACCOUNT require an override.
Closing Date This is the date that is specified for the interest and charges
capitalisation which is the start of the automatic closing process.
During the Close of Business (COB) batch processing on the
Closure Capitalisation date specified, or id this is a non-working
day, on the previous working day, the outstanding interest and
charges are recalculated and capitalised.
During COB processing the following day, if the ACTUAL and
CLEARED BALANCE are both zero, the account is closed.
If either BALANCE is not zero, the account remains open and

interest capitalisations are processed during every Close of
Business run until it can be closed.
When the account is closed, it is removed from the LIVE
ACCOUNT file and written to the ACCOUNT HISTORY
(ACCOUNT$HIS) file with a RECORD STATUS of CLOSED, a closing
statement is produced and any remaining Standing Orders
cancelled.
Settlement Account Enter the number of the account to/from which the closing
balance must be transferred. In the event of specifying an
internal account, ensure that the ACCOUNT.CLASS has been
defined as SUSACONLINE.
If a SETTLEMENT.ACCOUNT is specified, an override will be
required if the sum of the balance and outstanding interest and
charges is negative.
If the SETTLEMENT.ACCOUNT belongs to a different CUSTOMER
an override will be required.
Closing Charge Type Enter the applicable charge for closing the account. Charges are
defined in Administrator Menu>>Charges or Administrator
Menu>>Commissions.
Closing Charge Amount The system displays the charge amount once the record is
validated.
Closing Reason Select a reason for closing the account from the drop-down list.
You may select a code between 90 and 99 (for the system to
close the account when the balance is zero).
Close Online When on-line closure is required, then select ‘Y’, when this field
is set to ‘Y’ the following actions will take place at the time of
committing the record:
1. The field CLOSED.ON.LINE in ACCOUNT application is set to
‘Y’
2. If the field CAPITAL.DATE in this application is set to a future
date, then an error message will appear stating that the
CAPITAL.DATE cannot be a future date.
Accounts User Guide
If the record is subsequently deleted, then the earlier update in

the ACCOUNT application will be restored back to NULL.
If the SETTLEMENT.ACCOUNT is supplied, then, at the time of
authorisation of the ACCOUNT.CLOSURE record, the final
settlement will take place between the account that is to be
closed and the SETTLEMENT.ACCOUNT.
If the SETTLEMENT.ACCOUNT is not supplied, then a TELLER
record will be created in IHLD. On authorisation of the TELLER
record, the ACCOUNT.CLOSURE record will also be authorised
and settlement entries generated by the system.
In both cases above, the interest and charges will be posted in
an intermediary account (internal account) mentioned in the
ACCOUNT.CLASS application as SUSACONLINE and the net
balance in the account will be settled.
During Close of Business batch processing, the actual interest and charges entries will be raised
and posted to the intermediary account, so that the balance in the intermediary account becomes
zero.
If the SETTLEMENT ACCOUNT exists within the system an AC type FT (funds transfer) record will
be generated. Debit balances can be transferred by this type of transaction, the settlement account
need not have the same currency as the account being closed.
If the SETTLEMENT ACCOUNT does not exist in the system, a BC type FT is generated. Only local
currency accounts with credit balances will successfully generate these transaction. The FT will be
automatically authorised on successful validation, otherwise it will be put IHLD status.
During Close of Business the following working day, if the ACTUAL and CLEARED.BALANCE are both
zero, the ACCOUNT is closed.
If either BALANCE is not zero, the ACCOUNT remains open and interest capitalisation are processed
during every Close of Business until the account can be closed.
On processing the account closure, the system transfers the balance to or from the settlement
account. The account status will remain ‘open’ until one Close of Business process has been run if
there are no further transactions posted to the account.
The account will NOT be closed if there are any future-dated transactions.
Subsequent input to this record will allow the CAPITALISATION.DATE and
SETTLEMENT.ACCOUNT to be changed. Interest and Charges will also be recalculated.
Interest and Charges are calculated on the value dated balances and account activity statistics
stored in the ACCT.ACTIVITY file, taking into account all entries over the ACCOUNT up to and
including the last Close of Business processing.
Notes:
1. For new accounts no charges are calculated for the month in which the ACCOUNT is created.
2. No account charges are calculated for the month in which the account is closed, unless the
CLOSURE CAPITALISATION date is the last day of the month.
3. No bookkeeping entries are generated by this application. All details contained in this file are for
information only.
4. The calculations do not take into account the effect of any transaction/s which have not yet taken
place but which are expected to happen before the CAPITALISATION DATE specified (e.g.
Standing Orders or regular interest capitalisation), or any transactions which have been
processed since the last Close of Business.
The user will have to re-enter the account closure instructions after the future-dated transaction has
been processed.
Note: In the event of the account being linked to a Loan or Deposit account, the system will also not
permit the closure unless and alternative account has been defined on the contract or the contract
is settled first.
When the ACCOUNT is closed, it is removed from the live ACCOUNT file and written in the
ACCOUNT HISTORY file (ACCOUNT$HIS) with a RECORD.STATUS of ‘CLOSED’ and a closing account
statement is generated.
Accounts User Guide
Should there be an ATM card issued on this account, remember to change the ATM card status to
900 (delete/closed) in the ATM Card version of the account.
All Standing Order instructions, including Direct Debits are to be reversed from the account. See
relevant user guides for details on reversals.
The screen below displays the record when the CHARGE.TYPE has been entered. The value is calculated
and displayed once the record is verified (set ‘close on-line’ to ‘Y’)
The screen below displays the record after the Close Account Online record has been authorised.
The screen below displays the record after the Close of Business has been processed.
Accounts User Guide
Authorisation of Accounts
Overview
In some implementations of the software, it is required that every account that is opened be authorised
by a person other than the one who opened it before it becomes ‘LIVE’ or operative.
Access
Account Menu>>Authorisation of Accounts
First screen
The system displays a list of all unauthorised accounts.
Procedure
1. Follow the Authorisation procedures as described in the Navigation user guide.
2. Select the record you wish to authorise.
3. Click on the Action icon.
4. Examine all the fields.
5. When you are sure that the details are correct click on the Authorise icon.
In a standard implementation the changes made can be found in a new tab named “Changes” in which
the old values as well as new values are stored.
Note: Remember that you must open each of the versions when authorising a record as this is the only
way the system knows that you have checked each field.
Accounts User Guide
Authorise Account Closure

Overview
In some implementations of the software it may be required that in order for an account to be closed,
the record be authorised.
Access
Account Menu>>Authorise Account Closure
First screen
The system displays a list of all unauthorised accounts to be closed.
Procedure
1. Follow the Authorisation procedures as described in the Navigation user guide.
2. Select the record you wish to authorise.
3. Click on the Action icon.
4. Examine all the fields.
5. When you are sure that the details are correct click on the Authorise icon.
In a standard implementation the changes made can be found in a new tab named “Changes” in which
the old values as well as new values are stored.
Note: Remember that you must open each of the versions when authorising a record as this is the only
way the system knows that you have checked each field.
Accounts User Guide
List of Accounts
Overview
This report lists all accounts held at your institution. You may use any of a number of selection options,
for example, list of accounts for a specific customer.
Access
Account Menu>Account Enquiries>>List of Accounts
Procedure
2. Enter the search criteria and click on the Find icon.
3. View the resulting enquiry on‐screen and manipulate as described in the Navigation user guide.
4. Close the enquiry.
Screen
A screen like the one shown below displays, allowing you to filter the records for on‐screen
enquiry or report:
When the enquiry displays, it will appear like the screen shown below.
Accounts User Guide
This screen displays the Enquiry Toolbox allowing you to perform the functions such as print and
save in a variety of formats.
You are able to view the Account or Customer details by selecting the option on the right side of the
data in the enquiry.
Accounts User Guide
Accounts User Guide
Search for an Account

Overview
This enquiry allows you to search for an account on information stored on both the Account and
Customer Files. By selecting from the functions listed to the right hand side of the screen, against the
account, you are able to access most frequently used Teller Transactions.
Access 1
Account Menu>>Account Enquiries>>Search for an Account
Procedure
Tip: To search by the customer surname, use the SHORT.TITLE contains Kin… (As can be seen
in the example below.
4. Close the enquiry or proceed to process teller transactions by selecting the options from the menu.
Screen
A screen like the one displayed below is shown, allowing you to filter the records for on‐screen enquiry
or report.
The enquiry displays the customer details as stored on the CUSTOMER record in the heading. The
data columns provide information such as the account number, account mnemonic, account type,
currency of the account, account on‐line balance, interest due, amount in arrears or in advance,
drawdown amount, available balance (on‐line balance excluding uncleared cheques and locked
amounts), approved amount, disbursed amount, ATM card held on this account and the repayment
amount. Blanks in the data fields imply that the information does not pertain to the account listed, for
Accounts User Guide
example, a Regular Share account is unlikely to be in arrears or advance, but a Loan account/contract
may find itself in such a position.
By clicking on the option against the ACCOUNT record, you are able to access Teller Transactions.
Here are some examples:
Once the Teller Transaction is selected, the next screen only displays the account that you selected the
teller action on. A drop list is available in the right hand side of the screen to select the options to be
used.
On selecting the option, a further menu is available for you to select from as can be seen below:
In this example, we selected Cash Deposit in Local Currency, the following screen displays the new
record with the account number (10499) pre-filled in the teller version.
Proceed to enter the transaction as described in the Teller user guide.
Accounts User Guide
Access 2
RBHP>>Customer Services Agent>>Search Customer
Procedure
1. On the Dashboard select ‘Search Customer’
3. When the results display click on the Single Customer View icon.
4. Proceed to the Accounts version.
Screen
or report.
When the record displays, it will be in a screen as can be seen below. Click on the Single Customer
View icon:
Accounts User Guide
This screen displays the Enquiry Toolbox allowing you to perform the functions such as print and save
in a variety of formats.
All information pertaining to the Customer is available in the various versions:
Proceed to the ‘Accounts’ version where all the accounts of the customer is displayed. From here you
are able to view the account record, transactions statement and also process teller transactions if you
have a till assigned and the status of the till is ‘open’.
Accounts User Guide
Accounts User Guide
List of Customers by Accounts

Overview
This report displays all accounts held by customer. You have the option to narrow down the search
by entering a specific customer number in the selection box.
Access
Account Menu>>Account Enquiries>>List of Customers by Accounts
Procedure
Screen
or report.
You are able to view the List of Accounts for the Customer by selecting the option on the right side of
the data in the enquiry.
Accounts User Guide
Accounts User Guide
Account Balances
Overview
This report displays the ledger, cleared and working balance on a specific (selected) account.
Access
Account Menu>>Account Enquiries>>Account Balances
Procedure
Screen
or report.
This report displays the Ledger Balance (balance as at start of day), Cleared Balance (which excludes
any cheques deposited subject to a clearance period) and Working Balance (which excludes any future
dated transactions already held on the system).
Accounts User Guide
Account Statement
Overview
This report lists transactions on a selected account for a specific period.
Access
Account Menu>>Account Enquiries>>Account Statement
Procedure
Screen
or report.
Accounts User Guide
You are able to view the transaction, original account or auto pay account details by selecting the option
on the right side of the data in the enquiry.
Accounts User Guide
P/L Account Statement

Overview
This report lists transactions on a selected Profit and Loss account for a specific period.
Access
Account Menu>>Account Enquiries>>PL Account Statement
Procedure
Note: the BOOKING.DATE is to be included in the search criteria.
Screen
or report.
Accounts User Guide
You are able to view the Category Entry details by selecting the option on the right side of the data in
the enquiry.
Accounts User Guide
Account Settlement Enquiry

Overview
Run this enquiry to determine the closing balance as at the current or any future date on an account.
Access
Account Menu>>Account Enquiries>>Account Settlement Enquiry
Procedure
Screen
A screen like the one displayed below is shown, allowing you to filter the records for on-screen enquiry
or report.
Accounts User Guide
List of Inactive Accounts

Overview
This is an ad‐hoc report of accounts that reached the inactivity period (as set up in the COMPANY
parameter or in ACCT.GROUP.CONDITION where the period per product is defined in field
INACTIVITY.MONTHS) and have been flagged as inactive.
Access
Account Menu>>Account Enquiries>>List of Inactive Accounts
Procedure
Screen
A Screen like the one displayed below is shown, allowing you to filter the records for on‐screen enquiry
or report.
Accounts User Guide
List of Closed Accounts

Overview
This report lists accounts with the status of closed.
Access
Account Menu>>Account Enquiries>>List of Closed Accounts
Procedure
Screen
or report.
Note: When an account has been closed or written off (with a reason code of 96), the record is written to
the history file.
This screen displays the normal Enquiry Toolbar allowing you to perform the normal functions such as
print and save in various formats.
The value in the Closing Balance column is the account balance at the time of closure.
Accounts User Guide
List of Accounts Opened

Overview
This report details all accounts that have the status of ‘open’ within a date range in the system.
Access
Account Menu>>Account Enquiries>>List of Accounts Opened
Procedure
Screen
or report.
You are able to view the account details by clicking on the option to the right side of the data in the
enquiry.
Accounts User Guide
Accounts User Guide
List of Accounts Written Off

Overview
This report lists all accounts that have been closed by your institution with the closing reason ‘96’ ‐
Closed Institution Request.
Access
Account Menu>>Account Enquiries>>List of Accounts Written Off
Procedure
Screen
or report.
When an account has been closed or written off (with a reason code of 96), the record is written to the
history file.
In this case, if you enter ‘equals’ in the Operand followed by the account number, the system will
display the following message:
No records were found that matched the selection criteria
You should enter ‘matches’ in the Operand then enter the account number followed by an ellipsis
(...), for instance 10887...
Accounts User Guide
Accounts User Guide
List of Accounts below Minimum Balance

Overview
This report lists all accounts with balances below the minimum as defined in the product (at creation or
modified).
Access
Account Menu>>Account Enquiries>>List of Accounts below Minimum Balance
Procedure
Screen
or report.
You are able to view the account details by clicking on the option to the right side of the data in the
enquiry.
Accounts User Guide
Accounts User Guide
Balances Summary
Overview
This report lists all customers with a summary of each customer’s shares, deposits and loan balances.
Dividend points to date as well as Credit Interest earned on Deposit type accounts are also included.
Access
Account Menu>>Account Enquiries>>Balances Summary
Procedure
Screen
or report.
You are able to view the Customer Position Summary by clicking on the option to the right side of the
data in the enquiry.
Accounts User Guide
By clicking on the option to the right hand side of the screen, further information regarding any collateral
held on the account is provided:
Accounts User Guide
Deceased Customer List

Overview
This report provides details of deceased customers; savings balances during varying age bands and
the date on which the customers’ status was changed to ‘deceased’.
Access
Account Menu>>Account Enquiries>>Deceased Customer List
Procedure
Screen
or report.
Accounts User Guide
Dormant Accounts Greater than Twelve Months

Overview
This report provides details on accounts that have been inactive for a period greater than 12 months.
Access
Account Menu>>Account Enquiries>>Dormant Accounts Greater than 12 months.
Procedure
Screen
A screen like the one displayed below is shown, allowing you to filter the records for on-screen enquiry or
report.
Accounts User Guide
Dormant Accounts by Selection Criteria

Overview
This enquiry provides details on accounts that have been inactive as per the selection criteria entered
by the user. Options are - by account number, by customer number, by inactive marker, by date of last
customer generated credit transaction, by date of last customer generated debit transaction and/or by
dormant date.
Access
Account Menu>>Account Enquiries>>Dormant Accounts by Selection Criteria
Procedure
Screen
or report.
Accounts User Guide
Account Balances by Customer

Overview
This enquiry provides the customer with a ‘snapshot’ or mini statement of all accounts and the balances.
Access
Account Menu>>Account Enquiries>>Account Balances by Customer
Procedure
Screen
or report.
Accounts User Guide
Reset Inactive Accounts

Overview
When no customer-related debits and/or credit transactions are processed to an account for a period
as defined in the INACTIVITY MONTHS field of the COMPANY application, the account is flagged as
inactive by the system, through the Close of Business processing, setting the value in this field on the
ACCOUNT record to ‘Y’.
It is also possible to define a different value for accounts of a specific product in the
ACCT.GROUP.CONDITION application.
You may refer to the various inactive and dormant reports in the Enquiries Chapter of this user guide.
When this marker is set, no entries will be accepted without an override.
Accounts are reactivated by running a special Account Inactive Reset program. The process is
described below:
Access
In the Command Line, enter ACCT.INACTIVE.RESET or ENQ %ACCT.INACTIVE.RESET which will
provide a list of inactive accounts for you to select the account that you wish to reactivate from.
Procedure
1. Enter the account number for which the Inactive Marker is to be reset.
3. Enter the reset date.
4. Click on the Commit icon.
5. Remember to authorise the record in order for the account to be reset.
6. Authorised ACCT.INACTIVE.RESET records remain on the file as an audit trial.
Screen
When we type the inactive account number, the screen as below will display:
Enter the value in the RESET DATE field and after authorisation of the record, the Inactive Account is
reactivated.
Accounts User Guide
Current Account with Revolving Credit Facility

Overview
The requirement is to provide a revolving line of credit, i.e. a borrowing facility that has a limit on the
amount that is available to the customer, but within that limit, the customer may take money when
required and may repay when it is convenient to the customer.
Therefore, the balance outstanding on the line of credit will fluctuate. Debit interest is to be accrued on
the daily outstanding balance and capitalised at the frequency as determined by the institution, for
example monthly, quarterly, half yearly or annually.
This limit may be fixed or reducing. The limit is to be reviewed as defined in the LIMIT and the exposure
against the limit is reported on a daily basis.
In order to meet the requirement, the following need to be set up:
 Category Code
 Account General Condition
 Account Debit Interest
 Account Credit Interest
 Group Capitalisation
 Account Accrual
 Limit Reference
Category Code
Access
In the Command Line, enter CATEGORY, (comma) and create a record for example, 6001 for Current
Accounts as record ID.
Note: Remember to include this category in the reporting lines of the General Ledger and Profit and Loss
Statement.
Accounts User Guide
Account General Condition

Access
Administrator Menu>>Set Up Account Condition>>New Product Records
In the screen above, record ID 1 represents the Current Account and the Category Code 6001.
Account Debit Interest

Access
Administrator Menu>>Set Up Account Conditions>>Debit Interest Record
Enter the values as appropriate in the fields. In this example, the interest on current account daily debit
balances is calculated at 8.75 % pa.
Note: Remember to authorise the record.
Accounts User Guide
Account Credit Interest

Access
Administrator Menu>>Set Up Account Conditions>>Credit Interest Record
Enter the values as appropriate in the fields. In this example credit interest on current account daily
balances is calculated at 2.75 % on balances greater than USD50.
Group Capitalisation
Access
Administrator Menu>>Capitalisation Dates
Debit and Credit Interest can follow independent capitalisation dates and frequencies.
Account Accrual
Include the product category in the ACCOUNT.ACCRUAL application.
The purpose of the Account Accrual table is to provide the system with information at Company level about
how and when to process Accruals of interest and charges on Customer Accounts and whether interest
capitalisation is inclusive or exclusive of the balance on capitalisation date, the value dates of interest
entries generated and the day on which the entries are booked.
Interest Accruals may be processed daily or monthly, or it could be specified that no accrual is to be made.
Account charges may only be processed at calendar month end.
Accounts User Guide
The frequency of interest accrual could be specified at Account Group or Category Level for different
Currency types (foreign or local). For Accounts not covered by specified definition, default interest accrual
frequency could be defined based on Account Currency type.
Dates for interest capitalisation are specified at group level in the Group Capitalisation table and for specific
Accounts in the Account Capitalisation table.
Access
In the Command Line, enter ACCOUNT.ACCRUAL,(comma) and update the record to include the
category code of the Current Account product.
This product is now ready for use, i.e. customer accounts of this product may now be opened. However
continue with the steps continuing on the next page for complete set up.
Accounts User Guide
Limit Reference
We make use of the LIMIT application to allow credit facilities on accounts. Firstly, we need to define the
Limit Reference.
Access
Limits Menu>>Limit Reference Codes
The Limit Reference is included in the standard configuration. Complete the relevant fields in need.
Accounts User Guide
Create a Limit for the Customer

Access
Limits Menu>>Limit Definition
Enter the appropriate values in the fields. In the example above, a limit of USD 2000 is to be reviewed
after one year.
The ID of the limit reference is comprised as follows:
CUSTOMER.NO-LIMIT.REFERENCE-SEQUENTIAL NUMBER
Tip: By using the Validate icon, the system will populate the values in accordance with the LIMIT
parameters; change only those necessary to meet the requirements of this customer.
Accounts User Guide
Apply the Limit to the Account

Access
Account Menu>>Current Account
Enter the value in the LIMIT REFERENCE field of the account record as can be seen above.
Set the Account Debit Limit

Access
In the Command Line, enter ACCOUNT.DEBIT.LIMIT and enter the values as appropriate.
The account with revolving credit limit has now been set up and is ready for use.
Accounts User Guide
Transaction on the Account

In the screen print below a cash withdrawal of USD1500 against the limit of USD2000 was processed.
The Teller Transaction is:
Overrides on the limits may be controlled through the Security Management System.
The limit record now looks as follows:
Accounts User Guide
View Customer Liability

The customer liability can be viewed in a single screen.
Access
Limits Menu >> Liability Report
Procedure
1. Enter the customer number in the mandatory field.
2. Click on the Find icon.
3. View the record.
Screen
When the information displays, it will be as in the screen below:
Drill down for further information.
Accounts User Guide
Messaging
Overview
In order to facilitate special messages to or about customers on their accounts, the POSTING
RESTRICTION table is utilised.
Access
Administrator Menu>>System Tables>>Posting Restrictions
In this table, you will find option 6 - See Notes on Customer Info File.
Procedure to Capture Message on the Customer File

1. Access the Customer record through Customer Information Menu>>Individual Customer or Non-
Individual Customer
2. Enter the Customer Number
3. Click on the Edit icon
4. Go to the ‘Other Info’ version and enter the message in the ADDIOTNAL INFO field. This is a multi
value field, repeat the lines as many times as required to capture the entire message.
Accounts User Guide
Procedure to Link the Message to the Account

1. Access the Account through Account Menu>>…Account
2. Enter or select the Account Number from the drop down list
4. Change the value of BLOCKED REASONS by selecting option ‘6’ from the drop-down list.
Accounts User Guide
Procedure to Delete the Message from the Customer File

1. Access the Customer record through Customer Information Menu>>Individual Customer or Non-
Individual Customer
Enter or select the Customer Number from the drop down list
3. Proceed to the Other Information version and remove the message, remember to also remove
the additional multi value fields if these were created
4. Click on the Commit icon
Procedure to delete the message from the account

1. Access the Account through Account Menu>>…Account
2. Enter or select the Account Number from the drop down list
4. Set the value in the POSTING RESTRICTION field to ‘blank.
5. Click on the Commit icon
The Customer History File and Account History File store the details of the captured and subsequent
deleted messages.
Accounts User Guide
Savings Insurance Claim Processing

Overview
Customers may qualify for savings insurance, for example:
 Up to the age of 55 - the cover is 100% of the savings balance at the time of death
 Age 56 to 60 - the cover is at 75%
The minimum balance during an age band is tracked by the system. If the closing balance at the end
of the day is less than the opening balance, then the closing balance is stored as the minimum balance
for the age band.
The minimum balances are stored on each account and updated daily. The summary of all savings
accounts held by the customer is updated and stored on the Customer Information File, if the field
INSURABLE has been set to ‘Yes’.
Access
On learning that a customer has passed away, the Classification of the customer is to be changed to ‘6’
(deceased).
Customer Information Menu>>Change Individual Customer Status
Procedure to Process the Insurance Claim

1. Obtain the minimum savings balances per age band from Account Menu>>xxx Account, add this
to the figure as captured in the …
2. …minimum savings balances per age band from Customer Information Menu>>Individual
Customer>>Other Info at the time of data take-on
3. Advise the insurance company of the insurance amount and the beneficiaries’ details. The
beneficiaries are captured in Customer Menu>>Individual Customer>>Nomination. For more
information refer to the Customer user guide.
Accounts User Guide
Notes
Use this page to record your own notes.

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Table of Contents .................................................................................................................................... 1

Author Version Date

Lynn Petersen 1.0 3rd August 2015

Dominik Gromek 1.1 1st April 2016

Lynn Petersen 2.0 11th April 2016

Esther Muniu 2.1 24th April 2017

Blocked (Held) Funds

Transaction Reference ID A unique reference number that identifies a particular locking

The Julian date cannot be earlier than the system date.

Contract ID The contract reference, to identify which loan contract the

Whether the balance is checked against WORKING.BALANCE or AVAILABLE.BALANCE depends on

Available Credit check is done using AVAILABLE.BAL

Working Credit check is done using WORKING.BAL

Forward Credit check is done using WORKING.BAL plus today’s forward

Availwork Credit check is done using AVAILABLE.BAL and

Availfwd Credit check is done using AVAILABLE.BAL and

Blank The default check is done against the WORKING.BAL

Online Account Closing

Category Codes and Interest Adjustments

 Various Customer Accounts

Role Based Home Page

All-in-One Home Page>>Customers>>Search for Customer>>Accounts>>Select from menu under

The processing options available on customer accounts include:

Setting up a Nostro Account

Access and Set-up

2. Administrator Menu>>System Tables>>Industry Code

5. Customer Menu>>Non‐Individual Customer

Reconcile Acct Set the value to ‘Yes’.

Blank = No control documents

Autorouting Defines whether or no automatic routing instructions are to be

same as the Country of the Currency defined in the prior field,

AUTORTE.CCY : USD AUTORTE.APPL : ALL

If the transaction is entered before the cut off time on the

Fields for entry

Other context enquiries are available at the prompt on this

Category The category code is the unique identification number of this

Account Mnemonic The account mnemonic is of great importance in this release of

At the End of the Financial Year, the figure in this field is

JOINT ACCOUNT HOLDER(S) version

Relationship On entering the Customer Number in the field above, the

ATM CARD version

Notes Free format field to capture any notes.

Fields for entry

INTERNAL ACCOUNT version

Account Name Enter the name of the account

Short Name An abbreviated description which may for instance be used on

Mnemonic Enter the mnemonic for the account, up to 10 characters of which

Category The category is identical to the category code in the account

Close Accounts Online

1. Select the menu option.

Fields for entry

CLOSE ACCOUNT ON LINE version

Close Account On Line Enter the number of the account to be closed.

If either BALANCE is not zero, the account remains open and

If the record is subsequently deleted, then the earlier update in

Authorise Account Closure

Search for an Account

List of Customers by Accounts

P/L Account Statement

Account Settlement Enquiry

List of Inactive Accounts