Use DB ACH Manager for Real-Time Posting (RTP)

Real-Time Posting (RTP) is the process of posting the ACH transaction to the user's account after an ACH push or pull request is initiated but before the NACHA file is generated. When an external transfer request or payment is made, Narmi places a hold on the transaction, posts the transaction to the user's account, and offsets it to a General Ledger (GL) account in the financial institution's core banking system. With RTP, the user sees the activity in their ledger much faster.

For more information on statuses, go to ACH Statuses.

Enable RTP

Two settings control RTP. From the Narmi Command sidebar, select Configurations > Institution settings and search for the following settings. Select Edit to change each setting.

• ACH Real Time Posting – This setting determines whether your institution has RTP for ACH transactions. The default value is false (off). Set it to true to enable RTP for ACH transactions.

• Mobile Check Deposit Real Time Posting – This setting determines whether funds can be immediately available after a remote deposit capture (RDC) deposit. The default value is false (off). Set it to true to enable RTP for mobile check deposit.

Process RTP Transactions

To use ACH Manager for RTP:

1. From the Narmi Command sidebar, select Transactions > ACH manager > Transfers or Payments.
   

   
   

2. The page that appears shows your DB ACH transactions in review. Tabs across the top correspond to ACH transaction status. Some tabs only show when there are transactions for that status. For descriptions of each status, go to ACH Statuses.
   
   Select the Pending tab to see pending transactions waiting to be processed. Each transaction row displays the following information:

   • User – Name of the user initiating the transaction

   • Created – Date the transaction was created

   • Account Number – The destination account that funds are moving to

   • Amount – Transaction amount
     

     

     
     

3. Select a transaction row to open a side panel with details. Select View user to open the user's profile if needed.
   The following details display:

   • Status – The transaction status; go to ACH Statuses for more information

   • Amount – Transaction amount

   • Transaction type – “Incoming” or “Outgoing” for transfers, “Credit” for payments

   • SEC code (payments only) – The transaction type SEC code for payments. Go to Transaction Type SEC Codes for more information.

   • Created date – Date the transaction was created

   • Posted? – If your institution has RTP enabled, "Yes" indicates that the ACH transaction was posted successfully on the core—funds have been moved to and from the General Ledger (GL) account designated for ACH RTP, and any relevant holds have been applied.

   • Source sender (payments only) – The sender of the payment

   • Source account number – The source account number that funds are moving from

   • Source routing number – The source routing number that funds are moving from

   • Destination recipient (payments only) – The recipient of the payment

   • Destination account number – The destination account number that funds are moving to

   • Destination routing number – The destination routing number that funds are moving to

   • Transaction history – The timeline of events associated with the transaction, including:

     • When it was initiated

     • If in review, who and when it was approved or rejected by

     • When it was moved to pending state

     • If approved, when it was queued for processing

     • When it was processed

     If the transaction does not go into review and is auto-approved, the timeline shows:

     • When it was initiated

     • When it was moved to pending state

     • When it was queued for processing

     • When it was processed

     Select View details in the timeline to see the risk rule that prompted the review.  If there are multiple risk rules flagged, they display separately in the timeline.

     
     Select the "X" to close the detail pane.
     

     

4. Check the box next to the transaction(s) you want to process.

   For transfers, select Manually process. For payments, select Set as processing. The Manually Process/Set as processing button appears after selecting at least one transaction. If there are several transactions in the list, you may need to scroll down to see the Manually process/Set as processing button. For information on pending microdeposits, go to Microdeposit Processing.

   
   
   
   If you have several pending transactions spanning multiple pages and would like to select all, check the top box on the transaction list, choose Select all eligible transactions and microdeposits, then select Manually Process/Set as processing.

   

   
   

5. After manually processing, a confirmation message appears, and the transaction(s) move to the Processing tab. Select the Processing tab, check the box next to the transaction(s), and select Download File to download the NACHA file(s), which gets sent to the Federal Reserve to process the ACH transaction.
   You can also reject transactions from this tab by checking the box next to the transaction(s) and selecting Reject.
   Note: Only staff users with the permission “Can change ach transaction” have the Reject option. Staff users with the permission “Can view ach transaction” do not have the Reject option.
   

   
   

6. Once the file is downloaded, select Mark as processed to indicate a staff user has actioned them. A confirmation message appears. Upload the NACHA file(s) to the Federal Reserve for processing. Alternatively, your institution can elect for Narmi to transmit a NACHA formatted file via SFTP to the destination of your choosing.