Opening Failed Application Status

While rare, an application may return an Opening Failed status, which typically requires manual intervention by the financial institution. This state means that the account was not successfully created on the core. Either a core banking task, core banking API, or configuration did not function properly, thus resulting in a partially or incorrectly created account. Often, this is a result of a system inadvertently being down or a configuration change that was not communicated appropriately. Your financial institution should monitor Applications in Narmi Command for any applications with an Opening Failed status and review them accordingly.

Causes of Opening Failed

Possible causes for an application in Opening Failed status are:

• The product is misconfigured in Narmi or the core

• A debit card is misconfigured in Narmi or the core

• Character limit in the core is exceeded for a specific field (for example, name, street address, etc.)

• Regression in Narmi code, ESB code, or core code

• User record (Consumers/Businesses) or Organization record (for Businesses only) was not created

• Account(s) were not created

• The funding amount was not posted to the created account(s) from your institution's General Ledger (GL) account

• A joint user record was not created

Resolving Opening Failed

To resolve an application in Opening Failed, follow these steps:

1. Contact support@narmi.com with an application UUID or link to the application in Narmi Command.

2. Narmi Support will investigate the error. Once the error is identified, they will work with you to resolve it.

3. Your institution may need to delete any records already created.

4. Narmi Support will retry opening on core and confirm if the application successfully opens.

Funding Details

If an application is in Opening Failed, that means the application has already been funded. The funding amount will be moved from the applicant’s funding source to your institution's general ledger (GL) account.

When Narmi attempts to reopen the account on the core, the funding process will not be reinitiated, eliminating the risk of duplicate funding transactions.

For context, the application progresses through the following statuses: Approved → Funding → Funded → Opening → Opened. If the application enters the Opening Failed status, Narmi moves it back to the Funded state to initiate the retry process. Since Funded occurs after Funding, the funding process is not re-executed.

Opening Failed Notification

If your institution would like to automatically receive an email each time an application enters Opening Failed status, go to Narmi Command and enter the recipient email address in Institution Settings > Account Opening Failure Notification Email Address.