You can use the ACH Manager to review transfers or payments that your institution's risk settings have flagged. Your institution can set up risk rules within Narmi Command in Risk Manager. If an ACH transfer meets the conditions of the risk rule, you can opt to have it moved to the Review tab, which shows transactions that require staff action. The transaction will be posted to the core, and relevant holds will be applied, regardless of whether the transaction is marked as review.
We recommend reviewing all ACH transactions before your institution's cut-off time and either approving or rejecting them. If a transaction is in review, it does not move to processing until a decision is made. For more information on cutoff times, go to About ACH Transactions. For more information on statuses, go to ACH Statuses.
To access ACH Manager for transfers or payments, from the Narmi Command sidebar, select Transactions > ACH manager > Transfers (for ACH transfers) or Payments.
Note: For rejected transactions, your institution is responsible for reversing the transaction and removing any holds from the core. Narmi cannot reverse transactions.
In this article:
Review ACH Transactions
To review Narmi Banking transactions in ACH Manager:
From the Narmi Command sidebar, select Transactions > ACH manager > Transfers or Payments.
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.
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
Issue (For Review tab only) – If you have Narmi Guard Transaction Monitoring enabled, this shows the Alloy outcome reason. Go to ACH and Wire Transaction Monitoring for details. If you have risk rules set up in Risk Manager, this column shows the risk rule associated with the transaction. Go to Add or Edit Risk Rules for details. Note: If there are multiple issues, select the transaction row to open a panel with details.
Amount – Transaction amount
From the Review tab, select a transaction row to open a side panel with details.
The following details display:Outcome reason/Risk rule – A banner at the top shows the Alloy outcome reason or the risk rule that prompted the review, so your staff can take immediate action. If there are multiple outcome reasons or risk rules, the banner shows how many were flagged, for example, “2 risk rules flagged.” Select View details or View risk rules to open details.
For outcome reasons, a dialog appears with details. Select View in Alloy to log in to Alloy and open the detailed evaluation, which includes the user's full profile and risk level. Go to ACH and Wire Transaction Monitoring for details.
For risk rules, a dialog appears listing the risk rules that prompted the review. Select the down arrow to expand details. Select View in risk manager to open your risk settings. For more information on risk rules, go to Risk Manager.
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 – The sender of the transaction. For transfers, you can select the Sender’s name to open the user's profile if needed.
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/rejected by
When it was moved to pending state
If approved, when it was queued up 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 outcome reasons or risk rules that prompted the review. If multiple risk rules are flagged, they appear separately in the timeline.
Select the "X" to close the detail pane.
Select the three dots menu and Approve transaction/payment or Reject transaction/payment. 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.
To approve or reject multiple transactions, from the Review tab, check the box next to each transaction and select Approve or Reject. To select all transactions on the current page, select the top box next to “User.”
If approving, a dialog appears where you can provide an optional reason for the approval. Select Submit.
If rejecting from the detail panel, a dialog appears for you to choose how to reject:
If the applicant has funding attempts remaining, you can choose to Allow applicant to retry funding or Reject application to perform a hard reject that rejects the transaction and application.
If the applicant does not have funding attempts remaining, the only option is Reject application.
You can also provide an optional reason for the rejection. Select Submit to finish. Once rejected, the applicant receives an email notification of the rejection.
If rejecting one or more transactions from the list view, you can provide an optional reason for the rejection. Select Submit.
Approved transactions move to the Pending tab. Rejected transactions move to the Rejected tab, and the user receives an email notification with information about the transaction (the email is not configurable by your institution).
Note: For rejected transactions, your institution is responsible for reversing the transaction and removing any holds from the core.
The complete transaction history, including when it was approved/rejected and processed, will appear in the Transaction history section of the transaction detail (shown above).
If you try to approve a transaction while the NACHA file is actively processing, you receive an error message instructing you to try again later.
Search ACH Transactions
In DB ACH Manager, you can search for transactions using the search bar. Enter the user name (consumer or business name), source account number, destination account number, or the amount (with cents), and the search begins automatically.
To clear the search, select the "X" in the search bar.
Filter ACH Transactions
To filter the list of transactions:
In ACH Manager, select the filter icon.
Select from the following filters:
User – Filter by user name(s).
Created – Filter by the start date and end date range of when the transaction was created. Enter a date in MM/DD/YYYY format or select the calendar icon to choose from a calendar.
Account number – Filter by account number.
Issue – Filter by the outcome reason or risk rule.
Amount – Filter by minimum and maximum transaction amounts.
Select Apply.
Once you apply a filter, an indicator shows at the top of the list. Select the filter indicator to refine it further, or clear it by selecting Clear filter.
Process Reviewed ACH Transactions
If you want more control over when you generate NACHA files, you can choose to manually process approved transactions from the Pending tab.
To process reviewed transactions:
Select the Pending tab. 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 next to “User” (which selects all transactions on the current page), then choose Select all eligible transactions (which selects all transactions on all pages—for transfers only). Select Manually Process/Set as processing.
After manually processing, a confirmation message appears, and the transaction(s) move to the Processing tab. If the approval occurs after your institution's cut-off time, you can manually download the transaction file or wait until the next file movement. To manually download, select the Processing tab, check the box next to the transaction(s), and select Download File.
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.
Select Mark as processed to indicate the transaction(s) have been actioned by a staff user. 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.
