Use DB ACH Manager for Review

You can use the ACH Manager to review transfers that your institution's risk settings have flagged. Your institution can set up risk rules within the Admin Platform 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 need action by staff. The transaction will be posted to the core and relevant holds applied, regardless if the transaction is marked as review.

You must review the ACH transaction before your institution's cut-off time, and either approve or reject it. 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.

To access ACH Manager for Digital Banking, from the Admin Platform sidebar, select Transactions > ACH manager > Digital Banking.

Search ACH Transactions

In 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), then select Search.

To clear the search, select the "X" in the search bar and then select Search.

Review ACH Transactions

To review transactions in ACH Manager:

1.  From the Admin Platform sidebar, select Transactions > ACH manager > Digital Banking.
   

   

   
   

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.
   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. From the Review tab, select a transaction row to open its details. Select View user to open the user's profile if needed. The following details display:

   • Created date – Date the transaction was created

   • Amount – Transaction amount

   • Transaction type – Incoming

   • Risk rule – The risk rule that prompted the review. If there are multiple risk rules, a banner at the top shows how many risk rules were flagged so your staff can take immediate action, for example, “2 risk rules flagged.” Select View risk rules to open details.
     

     
     A dialog appears with a list of 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.
     

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

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

   • Posted – If your institution has RTP enabled, "Yes" indicates that the ACH transaction 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.

   • Staff action – The latest staff action taken on any transaction that triggered a risk rule
     

     

     
     

4. From the transaction detail, select Approve to approve the transaction. Approved transaction(s) move to the Pending tab.
   Select Reject to reject the transaction and a confirmation dialog appears. Select Yes, reject to confirm. Once rejected, the transaction is moved to the Rejected tab, and the user is sent an email notification that includes information about the transaction (the email is not configurable by your institution). Your institution is responsible for reversing the transaction and removing any holds from the core. 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.
   
   

5. If approved, select the Pending tab to manually process the transactions. Check the box next to the transaction(s) you want to process. The Manually Process button appears after selecting at least one transaction. Select Manually Process.
   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, then choose Select all eligible transactions and microdeposits.
   

   

   
   
   

6. 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. 
   

   

   
   

7. 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.