Accounts

From Accounts, users receive the full picture of their finances in just a few seconds. Users can view complete transaction details, transfer funds, view statements, and perform other actions, depending on the type of account. This article describes the features of the Accounts page.

In this article:

To view a specific account in Digital Banking, select Accounts from the top navigation bar, and then select the account name.

From the mobile app, select an account on the home page to view its details. To choose from all accounts, select the arrow.

The account page that appears varies depending on the type of account.

Transactions

Each account's detail has the following transaction sections: Scheduled Transactions, Holds, and Transaction History.

Scheduled Transactions

This section displays any scheduled (one time and recurring) transactions for the individual account, such as scheduled transfers. These scheduled transactions can be deleted from this section by selecting Delete.

Pending Wires

This section displays any pending wires. The Pending wires section is hidden by default. To unhide, select View on the right. To hide, select Hide.

Pending wires are available to users whose accounts support wires and who have permissions to read wires for the accounts. The pending wires section only shows when there are applicable wires to display. Wires shown in the list have been initiated by users, but have not processed through the core yet.

Select the info icon next to the Status column header to open a list of wire status definitions, which differ for consumers and businesses.

Statuses for consumers:

  • Submitted – The end user submitted a wire.
  • Rejected – The wire was rejected by staff.
  • Canceled – The wire was rejected by an additional account holder.

Statuses for businesses:

  • Submitted – The end user submitted a wire.
  • Pending dual approval – An additional account holder needs to approve the wire.
  • Rejected approval – Dual approval rejected the wire.
  • Rejected – The wire was rejected by staff.
  • Canceled – The wire was rejected by an additional account holder.

Note: When a wire is rejected, it does not process further.

Holds

This section displays any holds on the account. The Holds section is hidden by default. To unhide, select View on the right. To hide, select Hide.

A hold prevents funds from being used and can be permanent or temporary. For example, a temporary hold may occur when a user deposits a check. Your financial institution may not make all or some of the funds available for a period of time (typically 1-2 days) to reduce the risk of insufficient funds or fraudulent activity. An example of a permanent hold includes wage garnishments (for example, child support judgment), IRS orders, and minimum account balances that are not accessible unless the user closes their account.

Funds that are placed on hold cannot be withdrawn or used for payments. Users earn interest on these funds depending on if it is an interest-bearing account.


Transaction History

This section displays the 5 most recent transactions. There are pending and posted transactions shown, with pending transactions pinned to the top:

  • Pending – A pending transaction is a transaction that has been authorized but not yet posted to the user's account. It may or may not become a posted transaction, and in some cases, may expire after a few days. Pending transactions have a "pending" label.
  • Posted – A posted transaction is a transaction that affects the user's ledger balance (the actual amount of money they have in the account, calculated at the end of a business day).

Transaction Details

Selecting an individual transaction opens a dialog that displays the following details of the transaction:

  • Transaction description and amount
  • Images of cleared check (if applicable) – Select Download to view images in high resolution
  • Transaction date
  • Posted date
  • Resulting balance
  • Account
  • Transaction Type
  • Description

Perform the following actions on the Transaction detail dialog:

  • Add Tags – Add tags to a transaction to easily find it later when performing a keyword search. For more information on searching, go to Search and Filter below.
  • Download – Automatically download a PDF of the transaction. Use this to view images (such as check images) in high resolution. 
  • Notes – Add a note about the transaction for personal reference. These notes also allow finding transactions later when performing a keyword search. For more information on searching, go to Search and Filter below.
  • Report an Issue – Select Report an issue to contact the financial institution about the transaction. Note: Report an Issue is only available for settled transactions, not pending transactions. A dialog appears to enter a subject, type a message, select the team to direct the message to (if applicable), and attach supporting files. Select Submit to send the message.

To set up support teams that users can direct messages to, go to Manage Support Teams. 

To quickly find a specific transaction, use the search and filter feature:

1. From the Transaction History section, select Search & filter.

2. Enter the information to search or filter on. The following options are available:

  • Date Range – Select one of the last three months or enter a custom date range.
  • Amount Range – Select a minimum and/or maximum amount. 
  • Keyword – If tags were added to specific transactions, search on those tags by entering them as keywords.

3. Select Show results and the filtered transactions automatically appear. Select Clear all to remove the filter.

Download Transaction History

Download transaction history by account, across multiple timeframes and file formats.

1. From Transaction history, select Download.

2. Select File type and choose one of the following file types:

  • Spreadsheet CSV
  • Microsoft Money OFX v1
  • Personal Finance QFI
  • Quickbooks QBO
  • Quicken QFX

2. Select a Date range for the downloaded history. Choose one of the past 3 months, or choose a custom date range.

3. Select Download and the file is automatically saved to the desktop.

Available Balance

On the upper right of the account page, is the account's available balance. The available balance is the amount that is immediately available to use, including any temporary holds or pending transactions on the account. Select the info icon to see the current balance, which is the total amount of funds in the account, not including temporary holds or pending transactions.

Account Details

Below the available balance are account details. These details vary depending on the type of account. Select More details to expand the section to see more details. Select Hide details to collapse the section.

From the mobile app, select Account details. A drawer opens at the bottom of the app with full details.

Statements

Select View statements to view and download account statements. On the page that appears, statements are listed by month, newest to oldest. Select View to open the statement in a new web browser tab, or select Download PDF to automatically download the statement to the desktop.

Services

The options available in the Services section vary depending on the financial institution and the type of account. Common services are manage cards, manage bill pay, stop payment, and request a cashier's check. Contact support@narmi.com for assistance with customizing Services.

From the mobile app, select the three dots and a drawer opens with a list of Services.

  • Manage Cards – Select Manage cards to freeze the debit or credit cards associated with the account to reduce risk of potential fraud. For more information, go to Cards.
  • Manage Bill Pay – Bill pay is a service that allows your customers or members to pay bills (rent, mortgage, phone, utilities etc.) via the web or mobile app, without having to write and mail physical checks. Easily organize bills, save time, and avoid late fees. Selecting Manage Bill Pay redirects the user to the iPay website for advanced features like cancelling payments and editing payees. For instructions on transferring money quickly via bill pay, go to Transfers - Bill Pay.
  • Stop Payment – A stop payment is a request for a bank to stop a check or recurring debit payment that's waiting to be processed. Stop payment requests can only be made by the account holder who sent the original payment. Payments cannot be stopped on checks that are in process or already processed. To stop a payment, in Services, select Stop payment. Enter the check number and amount, then select Request stop payment to submit.

  • Request a Cashier's Check – To request a cashier's check be mailed to the account's address on file, under Services, select Request a cashier's check. Enter the amount desired and select Request check.

Requests

For a history of previous requests, such as past Stop Payment requests, go to Requests section below Services. If there are no previous requests, this section does not display.

From the mobile app, on a specific account view, select the three dots on the top right. From the bottom drawer that opens, select a service. Any past requests show in the service page. 

Did this answer your question? Thanks for the feedback There was a problem submitting your feedback. Please try again later.

Still need help? Contact Us Contact Us

Related Articles