ACH transaction statuses differ between Narmi Banking and Narmi Grow. ACH transactions are categorized by status in ACH Manager. To access ACH Manager, go to Narmi Command under Transactions > ACH Manager.
Business users can view Dual Approval statuses in Narmi Banking under Tools > Dual approvals > Approval history.
Digital Banking ACH Statuses
ACH transactions for transfers and payments in Narmi Banking may have the following statuses:
Analyzing – The initial status after an ACH transaction. Every transaction is assigned this status, whether immediate incoming, outgoing, or scheduled.
Approved (ACH payments only) – The ACH payment was approved via Dual Approval.
Canceled – The user canceled the ACH transaction.
Expired (ACH payments only) – The scheduled single ACH payment was not approved or rejected by the time the scheduled payment processor ran on the morning of the scheduled date.
Pending – This follows the "analyzing" status or when your institution's staff manually approves an ACH transaction that was in "review."
Processing – This is the in-between status for "pending" and "processed" when your staff has yet to download the NACHA file and mark transactions as completed.
Processed (in transit) – Your staff downloaded the NACHA file and marked all transactions as completed.
Rejected (ACH payments only) – The ACH payment was rejected via Dual Approval.
Rejected by staff – The ACH transaction was in manual review by your staff and was rejected.
Review – The ACH transfer triggered one of your institution's risk rules. Your staff can manually approve or reject the transaction. If approved, the transaction moves to the Pending tab. For more information, go to Use DB ACH Manager for Review. For information on setting risk rules, see Risk Manager.
Account Opening ACH Statuses
ACH transactions in Narmi Grow may have the following statuses, which are shown along with their corresponding application status. For more information on application statuses, go to Application Statuses.
Note: The application statuses below are the most common for the given transaction status and may differ depending on the scenario.
Transaction Status | Application Status | Description |
|---|---|---|
Review | Funding | The Review tab only displays if there are transactions in review, which is the result of two conditions: 1) the applicant manually entered their funding account information, thereby requiring an account validation check, and 2) the account validation check returned a Warning or Decline for the account. (Note: To route Decline transactions to Review, your institution’s Microbilt Decline Behavior setting must be set to “Review.”) You can either approve or reject these transactions. Approved transactions move to the Pending tab, and rejected transactions move to the Rejected tab. |
Pending | Opened or Opening Failed | The Pending tab displays transactions that are either awaiting automatic ACH processing by the NACHA generator or awaiting manual processing. The NACHA generator runs at a configurable hour each business day, but usually around the close of the business day. The ACH transaction will remain pending until the NACHA generator is run. |
Processing | Opened or Opening Failed | The Processing tab displays manually processed transactions that are in a status between "pending" and "processed" when your staff has not yet downloaded the NACHA file and marked the transaction as processed. |
Processed | Opened or Opening Failed | The Processed tab shows transactions marked as processed after your staff downloaded the NACHA file or the automatically processed transactions have been uploaded via SFTP. |
Processing Failed | Funding | The Processing Failed tab shows transactions that failed some of our validations during the NACHA process. This is a rare state and should not happen in the normal course of business. |
Rejected | Funding Failed | The Rejected tab shows transactions that were manually reviewed by your staff and rejected. |