Bai Type Code Guide (2)

Direct BAI service – Type code list

User guide

Contents

1 About this guide

1 Balance/status

2 Summaries

4 Controlled Disbursements

5 Detail

12 Summary and balance codes12 Balance

12 Float

13 Summary

13 Controlled Disbursement

14 Wachovia BAI codes to Wells Fargo BAI codes comparison14 Balance

14 Status

15 Balance/status: no longer reported

15 Summary

15 Lockbox – related codes

15 Summary

16 Detail

16 Preauthorized and ACH – related codes

16 Summary

17 Detail

18 Other deposits – related codes

18 Summary

19 Detail

20 Money transfer – related codes

20 Summary

21 Detail

22 Security – related codes

22 Summary

23 Detail

24 ZBA – related codes

24 Summary

24 Detail

25 Other type codes

25 Summary

25 Detail

28 Controlled Disbursements type codes

28 Summary

28 Detail

29 Wachovia unique codes no longer supported

© 2010 Wells Fargo Bank, N.A. All rights reserved. Member FDIC.

Direct BAI service – Type code list user guideMay 2011

1

About this guide

This guide describes the Direct BAI file format for customers with accounts converting from the Wachovia Bank service format to the Wells Fargo format.

Balance/status

Transaction type BAI code

Description

03' record - Balance/Status 010 OPENING LEDGER BALANCE

03' record - Balance/Status 015 CLOSING LEDGER BALANCE

03' record - Balance/Status 020 MTD AVERAGE LEDGER BALANCE

03' record - Balance/Status 025 YTD AVERAGE LEDGER BALANCE

03' record - Balance/Status 030 CURRENT LEDGER BALANCE

03' record - Balance/Status 040 AVAILABLE BALANCE

03' record - Balance/Status 045 COLLECTED BALANCE

03' record - Balance/Status 050 MTD AVERAGE COLLECTED BALANCE

03' record - Balance/Status 057 TOTAL INVESTMENT POSITION

03' record - Balance/Status 060 CURRENT AVAILABLE BALANCE

03' record - Balance/Status 070 ZERO DAY FLOAT

03' record - Balance/Status 072 ONE DAY FLOAT

03' record - Balance/Status 074 TWO DAY FLOAT


2

Summaries

Transaction type

BAI code

Description Source detail for BAI types

03' record -Summary

100 TOTAL CREDITS (includes item count)

Total Credit amount of all detail items

03' record -Summary

110 TOTAL LOCKBOX CREDITS 115 LOCKBOX DEPOSIT

03' record -Summary

140 TOTAL ACH CREDITS 165 PREAUTHORIZED ACH CREDIT142 ACH CREDIT RECEIVED145 ACH CONCENTRATION CREDIT166 ACH SETTLEMENT CREDIT169 MISCELLANEOUS ACH CREDIT

03' record -Summary

170 TOTAL OTHER DEPOSITS 174 OTHER DEPOSIT175 CHECK DEPOSIT PACKAGE

03' record -Summary

182 TOTAL BANK-PREPARED DEPOSITS

173 BANK PREPARED DEPOSIT

03' record -Summary

186 TOTAL CASH LETTER CREDITS

187 CASH LETTER CREDIT (no adjustments reflected)

03' record -Summary

190 TOTAL INCOMING MONEY TRANSFERS

195 INCOMING MONEY TRANSFER196 MONEY TRANSFER ADJUSTMENT CREDIT

03' record -Summary

200 TOTAL AUTOMATIC TRANSFER CREDITS

201 AUTOMATIC TRANSFER CREDIT

03' record -Summary

205 TOTAL BOOK TRANSFER CREDITS

206 BOOK TRANSFER CREDIT

03' record -Summary

207 TOTAL INTL MONEY TRANSFER CREDITS

208 INTL MONEY TRANSFER CREDIT

03' record -Summary

211 TOTAL FOREIGN EXCHANGE CREDITS

214 FOREIGN EXCHANGE CREDIT

03' record -Summary

215 TOTAL LETTERS OF CREDIT 213 LETTER OF CREDIT

03' record -Summary

256 TOTAL ACH RETURN ITEMS CREDIT

168 ACH RETURN ITEM CREDIT

03' record -Summary

260 TOTAL RETURN ITEM CREDITS

266 RETURN ITEM CREDIT

03' record -Summary

270 TOTAL ZERO BALANCE CREDITS

275 INDIVIDUAL ZBA CREDIT277 ZBA CREDIT TRANSFER

03' record -Summary

294 TOTAL ATM CREDITS 295 ATM CREDIT

03' record -Summary

310 TOTAL COMMERCIAL DEPOSITS

301 COMMERCIAL DEPOSITS

03' record -Summary

356 TOTAL CREDIT ADJUSTMENTS

254 POSTING ERROR CORRECTION CREDIT357 CREDIT ADJUSTMENT


3

Summaries, cont.

Transaction type

BAI code


03' record -Summary

400 TOTAL DEBITS (includes item count)

TOTAL OF ALL DEBIT AMOUNTS

03' record -Summary

416 TOTAL LOCKBOX DEBITS 415 LOCKBOX DEBIT

03' record -Summary

450 TOTAL ACH DEBITS 451 ACH DEBIT RECEIVED455 PREAUTHORIZED ACH DEBIT464 CORPORATE TRADE PAYMENT DEBIT466 ACH SETTLEMENT DEBIT469 MISCELLANEOUS ACH DEBIT

03' record -Summary

470 TOTAL CHECKS PAID 475 CHECK PAID

03' record -Summary

482 TOTAL BANK ORIGINATED DEBITS

477 BANK ORIGINATED DEBIT

03' record -Summary

490 TOTAL OUTGOING MONEY TRANSFERS

495 OUTGOING MONEY TRANSFER496 MONEY TRANSFER ADJUSTMENT DEBIT

03' record -Summary

500 TOTAL AUTOMATIC TRANSFER DEBITS

501 AUTOMATIC TRANSFER DEBIT

03' record -Summary

505 TOTAL BOOK TRANSFER DEBITS

506 BOOK TRANSFER DEBIT

03' record -Summary

507 TOTAL INTL MONEY TRANSFER DEBITS

508 INTL MONEY TRANSFER DEBIT

03' record -Summary

556 TOTAL ACH RETURN ITEMS 468 ACH RETURN ITEM DEBIT

03' record -Summary

570 TOTAL ZERO BALANCE DEBITS

575 INDIVIDUAL ZBA DEBIT577 ZBA DEBIT TRANSFER

03' record -Summary

630 TOTAL DEBIT ADJUSTMENTS

554 POSTING ERROR CORRECTION DEBIT631 DEBIT ADJUSTMENT


4

Controlled Disbursements

Transaction type

BAI code


16’ record –Detail

281 CONTROLLEDDISBURSEMENT CREDIT

16' record -Detail

581 CONTROLLED DISBURSEMENT DEBIT

03' record -Summary

583 FIRST PRESENTMENT (includes item count)

03' record -Summary

584 SECOND PRESENTMENT (includes item count)

03' record -Summary

585 TOTAL NET DISBURSEMENT(includes item count)

03' record -Summary

586 FED PRESENTMENT ESTIMATE

03' record -Summary

587 LATE DEBITS - AFTER NOTIFICATION (includes item count)

03' record -Summary

280 TOTAL CONTROLLED DISBURSEMENT CREDITS

281 CONTROLLED DISBURSEMENT CREDIT

03' record -Summary

580 TOTAL CONTROLLED DISBURSEMENT DEBITS

581 CONTROLLED DISBURSEMENT DEBIT

03' record -Summary

602 ADJUSTED TOTAL DISBURSEMENT (includes item count)


5

Detail

Transaction type BAI code Description Source detail for BAI types

16' Record - Detail 108 CREDIT (ANY TYPE)

16' Record - Detail 115 LOCKBOX DEPOSIT

16' Record - Detail 116 ITEM IN LOCKBOX DEPOSIT

16' Record - Detail 118 LOCKBOX ADJUSTMENT CREDIT

16' Record - Detail 135 DTC CONCENTRATION CREDIT

16' Record - Detail 142 ACH CREDIT RECEIVED

16' Record - Detail 145 ACH CONCENTRATION CREDIT

16' Record - Detail 155 PREAUTHORIZED DRAFT CREDIT

16' Record - Detail 164 CORPORATE TRADE PAYMENT CREDIT

16' Record - Detail 165 PREAUTHORIZED ACH CREDIT

16' Record - Detail 166 ACH SETTLEMENT CREDIT

16' Record - Detail 168 ACH RETURN ITEM CREDIT

16' Record - Detail 169 MISCELLANEOUS ACH CREDIT

16' Record - Detail 171 INDIVIDUAL LOAN DEPOSIT

16' Record - Detail 172 DEPOSIT CORRECTION CREDIT

16' Record - Detail 173 BANK PREPARED DEPOSIT

16' Record - Detail 174 OTHER DEPOSIT

16' Record - Detail 175 CHECK DEPOSIT PACKAGE

16' Record - Detail 176 RE-PRESENTED CHECK DEPOSIT

16' Record - Detail 184 DRAFT DEPOSIT

16' Record - Detail 187 CASH LETTER CREDIT

16’ Record – Detail 195 INCOMING MONEY TRANSFER

16’ Record – Detail 196 MONEY TRANSFER ADJUSTMENT CREDIT

16’ Record – Detail 201 AUTOMATIC TRANSFER CREDIT

16' Record - Detail 202 BOND OPERATIONS CREDIT

16' Record - Detail 206 BOOK TRANSFER CREDIT

16' Record - Detail 208 INTL MONEY TRANSFER CREDIT

16' Record - Detail 212 FOREIGN LETTER OF CREDIT


6

Detail, cont.


16' Record - Detail 213 LETTER OF CREDIT

16' Record - Detail 214 FOREIGN EXCHANGE CREDIT

16' Record - Detail 216 FOREIGN REMITTANCE CREDIT

16' Record - Detail 218 FOREIGN COLLECTION CREDIT

16' Record - Detail 221 FOREIGN CHECK PURCHASE

16' Record - Detail 222 FOREIGN CHECKS DEPOSITED

16' Record - Detail 224 COMMISSION

16' Record - Detail 226 INTL MONEY MARKET TRADING

16' Record - Detail 227 STANDING ORDER CREDIT

16' Record - Detail 229 INTERNATIONAL CREDIT

16' Record - Detail 233 SECURITIES SOLD

16' Record - Detail 238 COLLECTION OF DIVIDENDS

16' Record - Detail 240 COUPON COLLECTIONS

16' Record - Detail 243 MATURED FED FUNDS PURCHASE

16' Record - Detail 244 INTEREST/MATURED PRINCIPAL PAYMENT

16' Record - Detail 246 INVESTACCOUNT CREDIT

16' Record - Detail 249 MISCELLANEOUS SECURITY CREDIT

16' Record - Detail 252 DEBIT REVERSAL

16' Record - Detail 254 POSTING ERROR CORRECTION CREDIT

16' Record - Detail 255 CHECK POSTED AND RETURNED

16' Record - Detail 257 ACH RETURN ITEM CREDIT

16' Record - Detail 258 ACH REVERSAL CREDIT

16' Record - Detail 263 OVERDRAFT CREDIT

16' Record - Detail 266 RETURN ITEM CREDIT

16' Record - Detail 268 RETURN ITEM ADJUSTMENT CREDIT

16' Record - Detail 274 CUMULATIVE ZBA OR DISBURSEMENT CREDITS

16' Record - Detail 275 INDIVIDUAL ZBA CREDIT


7

Detail, cont.


16' Record - Detail 277 ZBA CREDIT TRANSFER

16' Record - Detail 278 ZBA FUNDING TO MASTER CREDIT

16' Record - Detail 281 CONTROLLED DISBURSEMENT CREDIT

16' Record - Detail 295 ATM CREDIT

16' Record - Detail 301 COMMERCIAL DEPOSIT

16' Record - Detail 306 FED FUNDS SOLD

16' Record - Detail 308 TRUST CREDIT

16' Record - Detail 342 BROKER DEPOSIT

16' Record - Detail 344 BACK VALUE CREDIT

16' Record - Detail 346 SWEEP INTEREST INCOME

16' Record - Detail 347 SWEEP PRINCIPAL SELL

16' Record - Detail 348 FUTURES CREDIT

16' Record - Detail 349 PRINCIPAL PAYMENTS CREDIT

16' Record - Detail 351 INVESTMENT SOLD

16' Record - Detail 353 CASH CENTER CREDIT

16' Record - Detail 354 INTEREST CREDIT

16' Record - Detail 357 CREDIT ADJUSTMENT

16' Record - Detail 359 INTEREST ADJUSTMENT CREDIT

16' Record - Detail 366 CURRENCY AND COIN DEPOSITED

16' Record - Detail 368 FOOD STAMP ADJUSTMENT

16' Record - Detail 372 BACK VALUE ADJUSTMENT

16' Record - Detail 373 CUSTOMER PAYROLL CREDIT

16' Record - Detail 391 UNIVERSAL CREDIT

16' Record - Detail 392 FREIGHT PAYMENT CREDIT

16' Record - Detail 393 ITEMIZED CREDIT OVER $10,000

16' Record - Detail 394 CUMULATIVE CREDIT


8

Detail, cont.


16' Record - Detail 395 CHECK REVERSAL

16' Record - Detail 397 FLOAT ADJUSTMENT

16' Record - Detail 398 MISCELLANEOUS FEE REFUND

16' Record - Detail 399 MISCELLANEOUS CREDIT

16' Record - Detail 408 FLOAT ADJUSTMENT

16' Record - Detail 409 DEBIT (ANY TYPE)

16' Record - Detail 415 LOCKBOX DEBIT

16' Record - Detail 435 PAYABLE THRU DRAFT

16' Record - Detail 445 ACH CONCENTRATION DEBIT

16' Record - Detail 447 ACH DISBURSEMENT FUNDING DEBIT

16' Record - Detail 451 ACH DEBIT RECEIVED

16' Record - Detail 455 PREAUTHORIZED ACH DEBIT

16' Record - Detail 464 CORPORATE TRADE PAYMENT DEBIT

16' Record - Detail 466 ACH SETTLEMENT DEBIT

16' Record - Detail 468 ACH RETURN ITEM DEBIT

16' Record - Detail 469 MISCELLANEOUS ACH DEBIT

16' Record - Detail 472 TOTAL NUMBER CHECKS PAID

16' Record - Detail 474 CERTIFIED CHECK DEBIT

16' Record - Detail 475 CHECK PAID

16' Record - Detail 477 BANK ORIGINATED DEBIT

16' Record - Detail 481 LOAN PAYMENT

16' Record - Detail 484 DRAFT

16' Record - Detail 487 CASH LETTER DEBIT

16' Record - Detail 489 CASH LETTER ADJUSTMENT DEBIT

16' Record - Detail 491 OUTGOING INTERNAL MONEY TRANSFER

16' Record - Detail 493 CUSTOMER INITIATED MONEY TRANSFER


9

Detail, cont.


16' Record - Detail 495 OUTGOING MONEY TRANSFER

16' Record - Detail 496 MONEY TRANSFER ADJUSTMENT DEBIT

16' Record - Detail 501 AUTOMATIC TRANSFER DEBIT

16' Record - Detail 502 BOND OPERATIONS DEBIT

16' Record - Detail 506 BOOK TRANSFER DEBIT

16' Record - Detail 508 INTL MONEY TRANSFER DEBIT

16' Record - Detail 512 LETTER OF CREDIT DEBIT

16' Record - Detail 513 LETTER OF CREDIT

16' Record - Detail 514 FOREIGN EXCHANGE DEBIT

16' Record - Detail 516 FOREIGN REMITTANCE DEBIT

16' Record - Detail 518 FOREIGN COLLECTION DEBIT

16' Record - Detail 522 FOREIGN CHECKS PAID

16' Record - Detail 524 COMMISSION DEBIT

16' Record - Detail 526 INTL MONEY MARKET TRADING

16' Record - Detail 527 STANDING ORDER DEBIT

16' Record - Detail 529 INTERNATIONAL DEBIT

16' Record - Detail 531 SECURITIES PURCHASED

16' Record - Detail 538 MATURED REPURCHASE ORDER

16' Record - Detail 542 PURCHASE OF DEBT SECURITIES

16' Record - Detail 544 INTEREST/MATURED PRINCIPAL PAYMENT

16' Record - Detail 546 INVEST ACCOUNT DEBIT

16' Record - Detail 549 MISCELLANEOUS SECURITY DEBIT

16' Record - Detail 552 CREDIT REVERSAL

16' Record - Detail 554 POSTING ERROR CORRECTION DEBIT

16' Record - Detail 555 DEPOSITED ITEM RETURNED

16' Record - Detail 557 ACH RETURN ITEM DEBIT


10

Detail, cont.


16' Record - Detail 566 RETURN ITEM DEBIT

16' Record - Detail 567 RETURN ITEM FEE

16' Record - Detail 568 RETURN ITEM ADJUSTMENT DEBIT

16' Record - Detail 575 INDIVIDUAL ZBA DEBIT

16' Record - Detail 577 ZBA DEBIT TRANSFER

16' Record - Detail 578 ZBA FUNDING TO MASTER DEBIT

16’ Record – Detail 581 CONTROLLED DISBURSEMENT DEBIT

16' Record - Detail 595 ATM DEBIT

16' Record - Detail 622 BROKER DEBIT

16' Record - Detail 627 FED FUNDS PURCHASED

16' Record - Detail 629 CASH CENTER DEBIT

16' Record - Detail 631 DEBIT ADJUSTMENT

16' Record - Detail 633 TRUST DEBIT

16' Record - Detail 644 BACK VALUE DEBIT

16' Record - Detail 651 INVESTMENT PURCHASED

16' Record - Detail 654 INTEREST DEBIT

16' Record - Detail 656 SWEEP PRINCIPAL BUY

16' Record - Detail 657 FUTURES DEBIT

16' Record - Detail 659 INTEREST ADJUSTMENT DEBIT

16' Record - Detail 661 ACCOUNT ANALYSIS FEE

16' Record - Detail 664 LOAN PARTICIPATION DEBIT

16' Record - Detail 666 COIN AND CURRENCY DEBIT

16' Record - Detail 667 FOOD STAMP LETTER

16' Record - Detail 668 FOOD STAMP ADJUSTMENT

16' Record - Detail 672 BACK VALUE ADJUSTMENT DEBIT

16' Record - Detail 673 CUSTOMER PAYROLL

16' Record - Detail 677 TREASURY TAX AND LOAN DEBIT


11

Detail, cont.


16' Record - Detail 691 UNIVERSAL DEBIT

16' Record - Detail 694 DEPOSIT REVERSAL

16' Record - Detail 695 DEPOSIT CORRECTION DEBIT

16' Record - Detail 696 COLLECTION DEBIT

16' Record - Detail 697 CUMULATIVE DEBIT

16' Record - Detail 698 MISCELLANEOUS FEE DEBIT

16' Record - Detail 699 MISCELLANEOUS DEBIT

DETAIL 890 CONTAINS NON-MONETARY INFORMATION

Non-monetary information between banks


12

Summary and balance codes

Balance

Float

Code BAI description

010 OPENING LEDGER BALANCE

015 CLOSING LEDGER BALANCE

020 MTD AVERAGE LEDGER BALANCE

025 YTD AVERAGE LEDGER BALANCE

030 CURRENT LEDGER BALANCE

040 AVAILABLE BALANCE

045 COLLECTED BALANCE

050 MTD AVERAGE COLLECTED BALANCE

057 TOTAL INVESTMENT POSITION

060 CURRENT AVAILABLE BALANCE


070 ZERO DAY FLOAT

072 ONE DAY FLOAT

074 TWO PLUS DAY FLOAT


13

Summary and balance codes, cont.

Summary

Controlled Disbursement


100 TOTAL CREDITS (includes value of 102)

102 TOTAL NUMBER CREDITS

200 TOTAL AUTO TRANSFER CREDITS

250 TOTAL CHECKS POSTED AND RETURNED

270 TOTAL ZERO BALANCE CREDITS

400 TOTAL DEBITS (includes value of 402)

402 TOTAL NUMBER DEBITS

470 TOTAL CHECKS PAID

472 TOTAL NUMBER CHECKS PAID

500 TOTAL AUTO TRANSFER DEBITS

570 TOTAL ZERO BALANCE DEBITS

697 CHECK SUMMARIZATION


583 FIRST PRESENTMENT

584 SECOND PRESENTMENT

585 TOTAL NET DISBURSEMENT

587 LATE DEBITS - AFTER NOTIFICATION

602 ADJUSTED TOTAL DISBURSEMENT


14

Wachovia BAI codes to Wells Fargo BAI codes comparison

Balance

Status

Wachovia’s BAI codes Wells Fargo BAI codes

BAI code Description BAI code Description

010 OPENING LEDGER/BOOK 010 OPENING LEDGER BALANCELedger balance rolled forward from prior day.Opening ledger +/- account activity = Closing Ledger Balance.

015 LEDGER/BOOK BALANCE 015 CLOSING LEDGER BALANCELedger balance as of the end of the business day – passed from the DDA system.

030 CURRENT BOOK/LEDGER 030 CURRENT LEDGER BALANCE (INTRADAY)Balance reported at the point in time during the day (includes the opening ledger +/- credits and debits).

040 AVAILABLE BALANCE 040 AVAILABLE BALANCEClosing available balance + one-day float (i.e., Opening Available Balance per BAI standards); Available at Start of Day today.

045 COLLECTED BALANCE 045 COLLECTED BALANCE

050 MTD AVERAGE COLLECTED 050 MTD AVERAGE COLLECTED BALANCE

060 CURRENT AVAILABLE 060 CURRENT AVAILABLE BALANCE (INTRADAY)Opening ledger balance +/- credit and debit + immediate



070 0 DAY FLOAT/IMMEDIATE FLOAT

070 ZERO DAY FLOATImmediate credit available (INTRADAY).

072 1 DAY FLOAT 072 ONE DAY FLOATOutstanding float that will be collected in 1 day.

074 2 DAY FLOAT 074 Two+ Day FloatOutstanding float that will be collected in 2+ days.


15

Wachovia BAI codes to Wells Fargo BAI codes comparison, cont.

Balance/Status: no longer reported

Summary

Lockbox – related codes

Summary



073 FLOAT ADJUSTMENT Will report as a 16 record transaction (397 credit and 408 debit

087 BASE DEVIATION Not reported

088 DISBURSEMENT FUND REQ Not reported

075 3+ DAY FLOAT Included in BAI code 074 2+ Day Float



100 TOTAL CREDITS 100 TOTAL CREDITS

400 TOTAL DEBITS 400 TOTAL DEBITS


BAIcode

Description BAIcode

Description

110 TOTAL LOCKBOX DEPOSITSItems within summary total:• 115 LOCKBOX CREDIT• 116 LOCKBOX DEPOSIT ITEM• 118 LOCKBOX ADJ CREDIT

110 TOTAL LOCKBOX CREDITSItems within summary total:• 115 LOCKBOX CREDIT• 116 LOCKBOX DEPOSIT ITEM• 118 LOCKBOX ADJ CREDIT

416 TOTAL LOCKBOX DEBITSItems within summary total:• 415 LOCKBOX DEBIT

416 TOTAL LOCKBOXItems within summary total:• 415 LOCKBOX DEBIT


16


Lockbox – related codes, cont.

Detail

Preauthorized and ACH – related codes

Summary


BAIcode

Description BAIcode

Description

Not reported 108 CREDIT (ANY TYPE)

115 LOCKBOX CREDIT 115 LOCKBOX DEPOSIT

116 LOCKBOX DEPOSIT ITEM 116 ITEM IN LOCKBOX DEPOSIT

118 LOCKBOX ADJUSTMENT CREDIT

118 LOCKBOX ADJUSTMENT CREDIT

Not reported 409 DEBIT (ANY TYPE)

415 LOCKBOX DEBIT 415 LOCKBOX DEBIT


BAI code Description BAIcode

Description

140 ACH CREDIT SUMMARYItems within summary total:• 142 ACH CREDIT• 145 ACH CONC CREDIT• 164 CTP CREDIT• 165 PREAUTH ACH CREDIT• 166 ACH SETTLEMENT• 169 MISC ACH CREDIT

140 TOTAL ACH CREDITSItems within summary total:• 165 PREAUTHORIZED ACH CREDIT• 142 ACH CREDIT RECEIVED• 145 ACH CONCENTRATION CREDIT• 166 ACH SETTLEMENT CREDIT• 169 MISCELLANEOUS ACH CREDIT

450 ACH DEBIT SUMMARYItems within summary total:• 451 ACH DEBIT• 455 PREAUTHORIZED ACHDEBIT

• 464 CTP DEBIT• 466 ACH SETTLEMENT DEBIT

• 469 MISC ACH DEBIT

450 TOTAL ACH DEBITSItems within summary total:• 451 ACH DEBIT RECEIVED• 455 PREAUTHORIZED ACH DEBIT• 464 CORPORATE TRADE PAYMENT DEBIT• 466 ACH SETTLEMENT DEBIT• 469 MISCELLANEOUS ACH DEBIT


17


Preauthorized and ACH – related codes, cont.

Detail


BAIcode

Description BAIcode

Description

142 ACH CREDIT 142 ACH CREDIT RECEIVED

143 ACH DEPOSIT ITEM Not reported

145 ACH CONC CREDIT 145 ACH CONCENTRATION CREDIT

155 PREAUTHORIZED DRAFT 155 PREAUTHORIZED DRAFT CREDIT

164 CTP CREDIT 164 CORPORATE TRADE PAYMENT CREDIT

165 PREAUTHORIZED ACH CREDIT 165169

PREAUTHORIZED ACH CREDIT and/or MISCELLANEOUS ACH CREDIT

166 ACH SETTLEMENT CREDIT 166 ACH SETTLEMENT CREDIT

169 MISC ACH CREDIT 169 MISCELLANEOUS ACH CREDIT

Not reported 445 ACH CONCENTRATION DEBIT

Not reported 447 ACH DISBURSEMENT FUNDING DEBIT

451 ACH DEBIT 451 ACH DEBIT RECEIVED

455 PREAUTHORIZED ACH DEBIT 455469

PREAUTHORIZED ACH DEBIT and/orMISCELLANEOUS ACH DEBIT

462 ACCT HLDR DEBIT Not reported

464 CTP DEBIT 464 CORPORATE TRADE PAYMENT DEBIT

466 ACH SETTLEMENT DEBIT 466 ACH SETTLEMENT DEBIT

469 MISC ACH DEBIT 469 MISCELLANEOUS ACH DEBIT


18


Other deposits – related codes

Summary


BAIcode

Description BAIcode

Description

170 TOTAL CHECK DEPOSITSItems within summary total:• 175 CHECK DEPOSIT• 187 CASH LETTER CREDIT• 379 FRB GOV CHECK CREDIT

170

182

186

310

TOTAL OTHER DEPOSITSItems within summary total:• 174 OTHER DEPOSITS• 175 CHECK DEPOSIT PACKAGE

TOTAL BANK-PREPARED DEPOSITSItems within summary total:• 173 BANK PREPARED DEPOSITS

TOTAL CASH LETTER CREDITSItems within summary total:• 187 CASH LETTER CREDIT

TOTAL COMMERCIAL DEPOSITSItems within summary total:• 301 COMERCIAL DEPOSIT

No summaries 470

482

TOTAL CHECKS PAIDItems within summary total:• 475 CHECK PAID

TOTAL BANK ORIGINATED DEBITSItems within summary total:• 477 BANK ORIGINATED DEBIT


19


Other deposits – related codes, cont.

Detail


BAIcode

Description BAIcode

Description

171 LOAN DEPOSIT 171 INDIVIDUAL LOAN DEPOSIT

172 DEPOSIT CORRECTION 172 DEPOSIT CORRECTION CREDIT

173 REMOTE DEPOSIT 173 BANK PREPARED DEPOSIT

174 OTHER DEPOSIT 174 OTHER DEPOSITS

175 CHECK DEPOSIT/REGULAR DEPOSIT

175301

CHECK DEPOSIT PACKAGE and/orCOMMERCIAL DEPOSIT

176 REPRESENT DEPOSIT 176 RE-PRESENTED CHECK DEPOSIT

178 LIST POST DEPOSIT Not reported

184 DRAFT DEPOSIT 184 DRAFT DEPOSIT

187 CASH LETTER CREDIT 187 CASH LETTER CREDIT (NO ADJ REFLECTED)

189 CAH LETTER ADJUSTMENT 189 CASH LETTER ADJUSTMENT CREDIT

301 COMMERCIAL DEPOSIT 301 COMMERCIAL DEPOSIT

475 PAID CHECK 475 CHECK PAID

477 BANK ORIGINATED DEBIT 477 BANK ORIGINATED DEBIT

487 CASH LETTER DEBIT 487 CASH LETTER DEBIT

489 CASH LETTER ADJUSTMENT 489 CASH LETTER ADJUSTMENT


20


Money transfer – related codes

Summary


BAIcode

Description BAIcode

Description

190 WIRE/BOOK ENTRY CREDITSItems within summary total:• 195 WIRE IN• 196 MONEY TRANSFERADJUSTMENT

• 206 BOOK TRANSFER CREDIT (could be included in 205 summary)

• 235 MATURED REVREPO• 243 MATURED FFPPO• 306 FED FUNDS SOLD

190

205

200

TOTAL INCOMING MONEY TRANSFERSItems within summary total:• 195 INCOMING MONEY TRANSFER• 196 MONEY TRANSFER ADJUSTMENT CREDIT

TOTAL BOOK TRANSFER CREDITSItems within summary total:• 206 BOOK TRANSFER CREDITS

TOTAL AUTOMATIC TRANSFER CREDITSItems within summary total:• 201 AUTOMATIC TRANSFER CREDIT

205 BOOK TRANSFER CREDITSItems within summary total:• 206 BOOK TRANSFER CREDIT (maybe included in the 190 summary)

210 INTERNATIONAL CREDITSItems within summary total:• 212 LETTER OF CREDIT• 213 LETTER OF CREDIT• 214 INTL FX CREDIT• 216 INTL PAY CREDIT• 218 INTL COLLECTION CREDIT

• 222 INTL CHECK DEPOSIT

207

211

215

TOTAL INTL MONEY TRANSFER CREDITSItems within summary total:• 208 INTL MONEY TRANSFER CREDIT

TOTAL FOREIGN EXCHANGE CREDITSItems within summary total:• 214 FOREIGN EXCHANGE CREDIT

TOTAL LETTERS OF CREDITItems within summary total:• 213 LETTER OF CREDIT

490 WIRE/BOOK ENTRY DEBITSItems within summary total:• 495 WIRE OUT• 496 MONEY TRANSFER ADJUSTMENT

• 501 AUTO TRANSFER DEBIT• 506 BOOK TRANSFER DEBIT

490

500

505

TOTAL OUTGOING MONEY TRANSFERSItems within summary total:• 495 OUTGOING MONEY TRANSFER• 496 MONEY TRANSFER ADJUSTMENT DEBIT

TOTAL AUTOMATIC TRANSFER DEBITSItems within summary total:• 501 AUTOMATIC TRANSFER DEBIT

TOTAL BOOK TRANSFER DEBITSItems within summary total:• 506 BOOK TRANSFER DEBIT

510 INTL TRANSFER SUMMARYItems within summary total:• 508 INTL TRANSFER DEBIT

507 TOTAL INTL MONEY TRANSFER DEBITSItems within summary total:• 508 INTL MONEY TRANSFER DEBIT


21


Money transfer – related codes, cont.

Detail


BAIcode

Description BAIcode

Description

Not reported 191 INCOMING INTERNAL MONEY TRANSFER CREDIT

195 WIRE IN/INCOMING MONEY TRANSFER

195 INCOMING MONEY TRANSFER CREDIT

196 MONEY TRANSFER ADJUST 196 MONEY TRANSFER ADJUSTMENT CREDIT

201 AUTO TRANSFER CREDIT 201 AUTOMATIC TRANSFER CREDIT

202 BOND OPER CREDIT 202 BOND OPERATIONS CREDIT

206 BOOK TRANSFER CREDIT 206 BOOK TRANSFER CREDIT

208 INTL TRANSFER CREDIT 208 INTL MONEY TRANSFER CREDIT

212 LETTER OF CREDIT 212 FOREIGN LETTER OF CREDIT

213 LETTER OF CREDIT 213 LETTER OF CREDIT

214 INTL FX CREDIT 214 FOREIGN EXCHANGE CREDIT

216 INTL PAY CREDIT 216 FOREIGN REMITTANCE CREDIT

218 INTL COLLECTION CREDIT 218 FOREIGN COLLECTION CREDIT

221 FOREIGN CHECK PURCHASE 221 FOREIGN CHECK PURCHASE

222 INTL CHECK DEPOSIT 222 FOREIGN CHECK DEPOSITED

224 COMMISSION 224 COMMISSION

226 INTL MONEY MARKET TRADE 226 INTL MONEY MARKET TRADING

227 STANDING ORDER 227 STANDING ORDER CREDIT

229 MISC INTL CREDIT 229 INTERNATIONAL CREDIT

235 MATURED REVREPO Not reported

243 MATURED FFPPO 243 MATURED FED FUNDS PURCHASE

306 FF SOLD 306 FED FUNDS SOLD

Not reported 491 OUTGOING INTERNAL MONEY TRANSFER

Not reported 493 OUTOGING INITIATED MONEY TRANSFER

495 WIRE OUT/OUTGOING MONEY TRANSFER

495 OUTGOING MONEY TRANSFER

496 MONEY TRANSFER ADJUST 496 MONEY TRANSFER ADJUSTMENT DEBIT

501 AUTO TRANSFER DEBIT 501 AUTOMATIC TRANSFER DEBIT

502 BOND OPER DEBIT 502 BOND OPERATIONS DEBIT

506 BOOK TRANSFER DEBIT 506 BOOK TRANSFER DEBIT

508 INTL MONEY TRANSFER DEBIT 508 INTL MONEY TRANSFER DEBIT

512 LETTER OF CREDIT 512 LETTER OF CREDIT DEBIT

513 LETTER OF CREDIT 513 LETTER OF CREDIT

514 INTL FX DR/FOREIGN DRAFT 514 FOREIGN EXCHANGE CREDIT

516 INTL PAY DEBIT 516 FOREIGN REMITTANCE DEBIT

518 INTL COLL DEBIT 518 FOREIGN COLLECTION DEBIT

522 FOREIGN CHECK PAID 522 FOREIGN CHECKS PAID


22


Security – related codes

Summary


BAIcode

Description BAIcode

Description

No summaries 256

260

556

TOTAL ACH RETURN ITEMS CREDITItems within summary total:• 168 ACH RETURN ITEM COUNT

TOTAL RETURN ITEM CREDITSItems within summary total:• 266 RETURN ITEM CREDIT

TOTAL ACH RETURN ITEMSItems within summary total:• 468 ACH RETURN ITEM DEBIT

231

537

TOTAL COLLECTIONS CREDITItems within summary total:• 237 DOM COLLECTIONCREDIT

TOTAL COLLECTION DEBITItems within summary total:• 537 DOM COLLECTION DEBIT

No summaries


23


Security – related codes, cont.

Detail


BAIcode

Description BAIcode

Description

168 ACH RETURN ITEM 168 ACH RETURN ITEM CREDIT

232 SALE DEBT SECURITY Not reported

233 SECURITY SOLD 233 SECURITIES SOLD

234 SALE EQUI SECURITY Not reported

235 MATRD REVREPO Not reported

236 MAT DEBT SECURITY Not reported

237 DOM COLL CREDIT Not reported

238 COLLECT DIVID 238 COLLECTION OF DIVIDENDS

240 COUPON COLLECTIONS 240 COUPON COLLECTIONS

241 BKERS ACCEPT Not reported

242 COLL INT INCO Not reported

243 MATURED FFPPO 243 MATURED FED FUNDS PURCHASE

244 INT/PRIN PMT 244 INTEREST/MATURED PRINCIPAL PAYMENT

246 COMMERCIAL PAPER 246 INVEST ACCOUNT CREDIT

247 CAPITAL CHANG Not reported

248 SAV BND SALE Not reported

249 MISC SECUR CR 249 MISCELLANEOUS SECURITY CREDIT

252 DEBIT REVSL 252 DEBIT REVERSAL

254 POST CORR. CR 254 POSTING ERROR CORRECTION CREDIT

255 CK POST & RET/CHECK REVERSAL

255 CHECK POSTED AND RETURNED

257 ACH RETURN IT 257 ACH RETURN ITEM CREDIT

258 ACH REVERS CR 258 ACH REVERSAL CREDIT

261 REJECTED CR Not reported

263 OVERDRAFT CR 263 OVERDRAFT CREDIT

266 RETURN ITEM 266 RETURN ITEM CREDIT

268 RET ITM ADJ 268 RETURN ITEM ADJUSTMENT CREDIT

468 ACH RETURN ADJUSTMENT 468 ACH RETURN ITEM DEBIT or ACH ADJUSTMENTSETTLEMENT

531 SECUR PURCHASED 531 SECURITIES PURCHASED

538 MATURED REPO 538 MATURED REPURCHASE ORDER

542 PURCHASE DEBIT SECUR 542 PURCHASE OF DEBIT SECURITIES

543 DOMESTIC COLL DEBIT Not reported

544 INT/PRIN PAYMENT 544 INTEREST/MATURED PRINCIPAL PAYMENT

546 COMMERCIAL PA 546 INVEST ACCOUNT DEBIT

549 MISC SEC DEBIT 549 MISCELLANEOUS SECURITY DEBIT

555 DEP ITEM RETURN 555 DEPOSITED ITEM RETURNED

557 IND ACH RETURN 557 ACH INDIVIDUAL RETURNED ITEM DEBIT

566 RETURN ITEM 566 RETURN ITEM DEBIT

567 RETURN ITEM FEE 567 RETURN ITEM FEE

568 RET ITEM ADJUSTMENT 568 RETURN ITEM ADJUSTMENT DEBIT


24


ZBA – related codes

Summary

Detail


BAIcode

Description BAIcode

Description

No summaries 270 TOTAL ZERO BALANCE CREDITSItems within summary total:• 275 INDIVIDUAL ZBA CREDIT• 277 ZBA CREDIT TRANSFER

No summaries 570 TOTAL ZERO BALANCE DEBITSItems within summary total:• 575 INDIVIDUAL ZBA DEBIT• 577 ZBA DEBIT TRANSFER


BAIcode

Description BAIcode

Description

274 CUM ZBA/DIS CREDIT 274 CUMULATIVE ZBA OR DISBURSEMENT CREDITS

275 ZBA CREDIT 275277

INDIVIDUAL ZBA CREDIT and/or ZBA CREDIT TRANSFER

Not reported 278 ZBA FUNDING TO MASTER CREDIT

575 ZBA DEBIT 575 577

INDIVIDUAL ZBA DEBIT and/or ZBA DEBIT TRANSFER

Not reported 578 ZBA FUNDING TO MASTER DEBIT


25


Other type codes

Summary

Detail


BAIcode

Description BAIcode

Description

No summaries 294

356

630

TOTAL ATM CREDITSItems within summary total:• 295 ATM CREDIT

TOTAL CREDIT ADJUSTMENTSItems within summary total:• 254 POSTING ERROR CORRECTION CREDIT• 357 CREDIT ADJUSTMENT

TOTAL DEBIT ADJUSTMENTSItems within summary total:• 554 POSTING ERROR CORRECTION DEBIT• 631 DEBIT ADJUSTMENT

355 INVESTMENT INTEREST Not reported

655 TOTAL INVESTMENT INTEREST DEBITS

Not reported


BAIcode

Description BAIcode

Description

135 DTC CONC. CREDIT 135 DTC CONCENTRATION CREDIT

136 DTC DEPOSIT ITEM Not reported

254 POST CORR. CREDIT 254 POSTING ERROR CORRECTION CREDIT

295 ATM CREDIT 295 ATM CREDIT

308 TRUST CREDIT 308 TRUST CREDIT

342 BROKER DEPOSIT 342 BROKER DEPOSIT

344 BACK VALUE CREDIT 344 BACK VALUE CREDIT

346 SWEEP INT INC 346 SWEEP INTEREST INCOME

347 SWP PRIN SELL 347 SWEEP PRINCIPAL SELL

348 FUTURES CREDIT 348 FUTURES CREDIT

349 PRINCIPAL PAY 349 PRINCIPAL PAYMENTS CREDIT

351 INVEST SOLD 351 INVESTMENT SOLD

353 CAH CENTR CREDIT 353 CASH CENTER CREDIT


26


Other type codes, cont.

Detail, cont.


BAIcode

Description BAIcode

Description

354 INTEREST CREDIT 354 INTEREST CREDIT

357 CREDIT ADJUSTMENT 357 CREDIT ADJUSTMENT

359 INT ADJ CREDIT 359 INTEREST ADJUSTMENT CREDIT

366 CUR&COIN DEPOSIT 356 CURRENCY AND COIN DEPOSITED

368 FOOD STMP ADJUSTMENT 368 FOOD STAMP ADJUSTMENT

369 CLR SETT CREDIT Not reported

372 BAC VAL ADJUSTMENT 372 BACK VALUE ADJUSTMENT

373 CUST PAYROLL 373 CUSTOMER PAYROLL CREDIT

391 UNIVERSAL CREDIT 391 UNIVERSAL CREDIT

392 FRGHT PMT CREDIT 392 FREIGHT PAYMENT CREDIT

393 CREDIT > $10,000 393 ITEMIZED CREDIT OVER $10,000

394 CUM CREDITS 394 CUMULATIVE CREDIT

395 CK REVERSAL 395 CHECK REVERSAL

397 FLOAT ADJUSTMENT 397 FLOAT ADJUSTMENT

398 MISC FEE REFUND 398 MISCELLANEOUS FEE REFUND

399 MISC CREDIT 399 MISCELLANEOUS CREDIT

408 FLOAT ADJUSTMENT 408 FLOAT ADJUSTMENT

435 PAY THR DRAFT 435 PAYABLE THRU DRAFT

472 CUM CKS PAID 472 TOTAL NUMBER CHECKS PAID

474 CERT CK DEBIT 474 CERTIFIED CHECK DEBIT

481 IND LOANPMT 481 LOAN PAYMENT

484 DRAFT 484 DRAFT

524 COMMISSION 524 COMMISSION DEBIT

526 INT $ MK TRADING 526 INTL MONEY MARKET TRADING

527 STANDING ORDER 527 STANDING ORDER DEBIT

529 MISC INTL DEBIT 529 INTERNATIONAL DEBIT

552 CREDIT REVERSAL 552 CREDIT REVERSAL

554 ERROR CORRECTION 554 POSTING ERROR CORRECTION DEBIT

595 ATM DEBIT 595 ATM DEBIT

622 DEBIT ADJUSTMENT 622 BROKER DEBIT

627 FF PURCHASE 627 FED FUNDS PURCHASED


27


Other type codes, cont.

Detail, cont.


BAIcode

Description BAIcode

Description

629 CSH CEN DEBIT 629 CASH CENTER DEBIT

631 DEBIT ADJUSTMENT 631 DEBIT ADJUSTMENT

633 TRUST DEBIT 633 TRUST DEBIT

644 IND BACKV DEBIT 644 BACK VALUE DEBIT

651 IND INVES PURCHASED 651 INVESTMENT PURCHASED

654 INTEREST DEBIT 654 INTEREST DEBIT

656 SWP PRINC BUY 655 SWEEP PRINCIPAL BUY

657 FUTURES DEBIT 657 FUTURES DEBIT

659 INT ADJ DEBIT 659 INTEREST ADJUSTMENT CREDIT

661 ACCT ANLS FEE 661 ACCOUNT ANALYSIS FEE

664 LOAN PARTICIPATION 664 LOAN PARTICIPATION DEBIT

666 COIN/CURRENCY DEBIT 666 COIN AND CURRENCY DEBIT

667 FOOD STMP LETTER 667 FOOD STAMP LETTER

668 FOOD STMP ADJUSTMENT 668 FOOD STAMP ADJUSTMENT

672 BACKV ADJUSTMENT 672 BACK VALUE ADJUSTMENT DEBIT

673 CUSTOMER PAYROLL 673 CUSTOMER PAYROLL

677 TT&L DEBIT 677 TREASURY TAX AND LOAN DEBIT

691 UNIVERSAL DEBIT 691 UNIVERSAL DEBIT

694 DEP REVERSAL 694 DEPOSIT REVERSAL

695 DEP CORR DEBIT 695 DEPOSIT CORRECTION DEBIT

696 REG COLL DEBIT 696 COLLECTION DEBIT

697 CUMULATIVE DEBIT 697 CUMULATIVE DEBIT

698 MISC FEES 698 MISCELLANEOUS FEE DEBIT

699 MISC DEBIT 699 MISCELLANEOUS DEBIT

Not reported 890 CONTAINS NON-MONETARY INFORMATION


28


Controlled Disbursements type codes

Summary

Detail


BAIcode

Description BAIcode

Description





585 DISB FUND REQ 585 TOTAL NET DISBURSEMENT(includes item count)

Not reported 586 FED PRESENTMENT ESTIMATE

587 LATE DEBITS 587 LATE DEBITS – AFTER NOTIFICATION (includes item count)

602 ADJUSTMENT TOTAL DISBURSEMENT (includes item count)

942 CREDIT FUND ADJ

982 DEBIT FUND ADJ

No summaries 280

580

TOTAL CONTROLLED DISBURSEMENT CREDITSItems within summary total:• 281 CONTROLLED DISBURSEMENT CREDIT

TOTAL CONTROLLED DISBURSEMENT DEBITSItems within summary total:• 581 CONTROLLED DISBURSEMENT DEBIT


BAIcode

Description BAIcode

Description

281 CONTR DISB CREDIT 281 CONTROLLED DISBURSEMENT CREDIT

581 CONTR DISB DEBIT 581 CONTROLLED DISBURSEMENT DEBIT


29


Wachovia unique codes no longer supported

BAI code Description

901 AVAIL + PENDING (PLUS INVESTED)

921 CREDIT PENDING AVAILABLE

925 DEPOSIT CREDIT SUMMARY

927 NON-PAPER SUMMARY CREDIT

928 MATURING INVESTMENT CREDIT

930 LOCATION SUMMARY CREDIT

940 FMA PRINCIPAL CREDIT

941 FMA INTEREST CREDIT

961 DEBIT PENDING AVAILABLE

965 CHECK SUMMARY AMOUNT

966 CDA CHECK SUM

967 NON-PAPER SUMMARY DEBIT

968 MATURING INVESTMENT DEBIT

970 LOCATION SUMMARY DEBIT

980 FMA INVESTMENT

981 PAID CHECK HOLDOVER

Bai Type Code Guide (2)

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Transcript of Bai Type Code Guide (2)