This product is the proprietary material of CheckCare Enterprises, LLC. And is not to be distributed or copyrighted without written permission from

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1 CheckCare ACH Gateway Reference Secure Pay Edition This product is the proprietary material of CheckCare Enterprises, LLC. And is not to be distributed or copyrighted without written permission from CheckCare Enterprises, LLC.

2 Table of Contents Overview... 3 Introduction... 3 Purpose... 3 Explanation of Screens... 4 Log-in... 4 View...5 Merchant Information... 6 Reports... 6 Contacts... 7 Merchant Tools... 8 Drop Down Menu... 8 Transaction Options - Search... 9 Search... 9 Transaction Options - Export Export Save Mapping Using Previously Saved Export Map Transaction Options National Check Network (NCN) Verify NCN Verification Using NCN Verify Reports Overview Reports Cash Flow View Cash Flow Reports - Chargeback Chargeback Reports Late Return Late Return Reports Current Batch Current Batch Reports Daily Activity Daily Activity Reports Daily Activity Output Daily Activity Output Reports Merchant Ledger Merchant Ledger Merchant Ledger Header Explanations Reports NCN Report NCN Report

3 Reports NOC Report NOC Report Reports Returned Transaction Returned Transaction Reports Settlement Report Settlement Report Settlement Report Header Explanations Reports Transaction Summary Transaction Summary Utilities ABA Search ABA Search Utilities Merchant Management Merchant Management Utilities Merchant Summary Merchant Summary Refunds Credit Transactions Useful Terminology Definitions Non-conforming Item SEC Codes Return Codes Return Codes NOC Codes Notice of Change Codes

4 Gateway Reference for Merchants Overview Introduction Welcome to the CheckCare ACH Gateway instruction guide. This document contains the information you will need to successfully complete transactions, run reports, and store transactions. Purpose The purpose of this guide is to: Explain merchant procedures and recent changes Define industry terminology Achieve optimal understanding of transactions 3 3

5 Explanation of Screens Log-in To use the CheckCare ACH Gateway the operator must first log in to the system. The system may use a single log in or a dual log in. Follow the steps below to log in. Step Action 1 Go to Result: The page below displays. 2 Enter the assigned User Name and Password in the correct fields. 3 Click the Logon button. Hint: If the user has a single log in, the main screen will appear. If the system displays a picture grid continue to the next section. Continued on next page 4 4

6 Explanation of Screens, Continued View After logging in, the merchant summary screen will appear. The screen below shows a typical view for an operator with a user role. Main Menu Merchant Tools Merchant Information Contacts Reports Available Note: To return to this screen at any time, click on ACH in the upper lefthand corner of the screen. Continued on next page 5 5

7 Explanation of Screens, Continued Merchant Information This section contains general information about the merchant. Contents include: Merchant Code (alphanumeric), Company Name, Address, , Phone Number, Status (Test Mode, Live Mode, Hold, etc.), and ISO Agent (sales representative). The Edit feature is for CheckCare Administrative purposes only. If a user clicks edit an access denied error will appear. Do not be alarmed, this is supposed to happen. Reports The Merchant Administrator also has access to a number of reports. These reports include: Current Batch, Daily Activity, Daily Activity Output, Ledger, Settlements, and View Cash Flow. See the Reports section of this manual for an in-depth explanation of each report. Note: Additional report options are available under by clicking the Reports section of the Main Menu dropdown lists. Continued on next page 6 6

8 Explanation of Screens, Continued Contacts This section is for processing use only. Continued on next page 7 7

9 Explanation of Screens, Continued Merchant Tools This section lists the transaction tools available to a merchant. Most options are for administrative purposes only, merchants are unable to access these features. Three options are available to merchants: Export, Search, and View Bank Accounts. See the Transaction Options section of this manual for an in-depth explanation of each merchant tool. Drop Down Menu On the left side of the window, three drop down menus are available, which provide additional options to the main window. These menus include: Transactions Reports Utilities Export, NCN Verify, and Search Cash Flow, Chargeback, Late Return, Current Batch, Daily Activity, Daily Activity Output, NCN Report, NOC Report, Returned Transaction, and Transaction Summary ABA Search, Merchant Management, and Merchant Summary 8 8

10 Transaction Options - Search Search The Search option gives an operator the ability to search all transactions regardless of status for a particular item or a group of items. The user can narrow or broaden the search by selecting specific pieces of information for search parameters. Searches may include the following : Search by date range Search by account holder s name Search by account number Search by address Search by city Search by batch number Search by individual transaction number Search by customer number Search by memo Options can be combined in a number of different ways search by account number, customer ID number and a date range all in one search. In order for a transaction to be found, it must match ALL fields entered in the search window. Hint: The key to a successful search is the data entered when creating transactions. The more data entered into each of the fields, the more search options available. Note: There is a quick search option for a transaction number search. There is a blank field under LOG OUT. Simply fill this in with the desired transaction number and click on the arrow to the right of the box. Continued on next page 9 9

11 Transaction Options - Search, Continued Search (continued) 10 10

12 Transaction Options - Export Export There are times when a user may want to export data entered into the Gateway. The Transaction Export feature works the same as a search only it is more customizable, with the user entering a set of parameters such as a date range or person s name. The user can then export results into a spreadsheet format to be saved on a personal computer. Step Action 1 Select Export from the side menu. 2 Complete the fields applicable to the search. 3 Scroll down to the Field Export area. 4 Select the order of the information by choosing what information appears in the first field (each field will be a column on the resulting spreadsheet) from the drop down menus beside each field. Example: To see the name of the account holder in column one of the spreadsheet (the product of the export) select account name from the Field drop down menu. Continued on next page 11 11

13 Transaction Options - Export, Continued Export (continued) Step Action 5 Repeat step four until all information to be presented on the spreadsheet has been assigned a field. 6 Click the Export Data button. Hint: the request may take a few moments to process. 7 Click on the file name displayed under Results File. 8 A window will appear asking you for the appropriate action. Choose Open to open it directly (if possible), Save to download this file for use, or Cancel to abort. Continued on next page 12 12

14 Transaction Options - Export, Continued Save Mapping Save mapping is used to store export options. This allows a user to store specified export format criteria. Storing criteria allows an export to be run without reselecting criteria every time. Step Action 1 Follow steps 1-5 from the Export section of this document. 2 Click Save Mapping. Result: The following window will appear. 3 Fields specified in step one will be listed in the Export Mapping Details. If saving the export mapping With a new file name To an existing file-format Then Type the desired file name in the lower left text box. Choose the file from the lower right dropdown box. Hint: The current file format can be set as the default file format by clicking in the box next to the words Make it as my default file format. 4 Click Save Mapping. 5 Click Continue. Continued on next page 13 13

15 Transaction Options - Export, Continued Using Previously Saved Export Map To access a previously saved export map, follow the steps below. Step Action 1 Click on Export under the left Transaction dropdown menu. 2 Scroll down to the Export Format section. 3 Click on the File Name dropdown menu. 4 Select desired saved mapping. 5 Click Export Data

16 Transaction Options National Check Network (NCN) Verify NCN Verification NCN Verify is a tool to determine if there is any negative information on an account or Driver s License. Information is retrieved rapidly during the WebCheck submission from a national database of over 15 million bad check transactions, and records of approximately 200 million good check transactions. Negative information consists of any unpaid returned checks written from the customer s account or unpaid checks using the customer s driver license number. This negative information allows the user to determine if a check writer is a good risk. When using NCN verify, the operator may receive one of three responses: Approved with an approval number, Declined, or Manager needed. The only transactions guaranteed are those that receive a six digit approval code. Only approved transactions will be generated. Declined transactions will automatically be voided. Using NCN Verify To use the NCN Verify option, enter the requested information in each of the fields and click the Perform NCN Verify button to see results. Note: This option is not used on a regular basis as it is part of the process of creating a new transaction

17 Reports Overview There are several report options available to Manager Operators. Reports listed can be accessed from the Reports box on the main Merchant Summary screen (shown below). Reports can also be accessed from the drop down menu on the left side of the screen

18 Reports Cash Flow View Cash Flow The CashFlow Report produces a calendar showing the projected cash flow for the month (funds are typically in the merchant s bank account on the day the money shows up on the calendar). To access prior months information click on the arrow above the Sunday column. To access future month information click on the arrow above the Saturday column. This report does NOT account for any fees or reserve withholdings. The turquoise highlight indicates today s date. The purple highlight appears when the operator clicks on a date. The report does account for any current returns. Clicking the file ID link allows the operator to view details of each batch. Continued on next page 17 17

19 Reports Cash Flow, Continued View Cash Flow (continued) Details of the Batch File are viewable by clicking on the Merchant ID

20 Reports - Chargeback Chargeback When an item is disputed as an R05, R07, R08, R10, or R29 (see Return Codes index for definitions) and the dispute takes place AFTER the 4 th day when the file is settled to the merchant, the item is called a chargeback. The Chargeback report will list the transaction id, name, date, amount, and return code. When a chargeback occurs, the merchant account is notified via . The contains the amount of the chargeback and the file ID number (for security reasons account information is not transmitted via ). To see which transaction has now been charged back, log into the gateway, go to reports, and down to chargebacks. Enter the file ID number that was in the . A list of all transactions that were charged back under that file ID number will be displayed. Follow the steps below to view the report. Step Action 1 Click Reports dropdown on the left side menu. 2 Click Chargeback from the options listed under Reports. 3 Enter the Chargeback to and from dates. 4 Click Run Report button to display the chargebacks

21 Reports Late Return Late Return The Late Return report generates a list of late returns by date. A late return is any return that comes back after settlement. The Late Return report will list the transaction id, name, date, return code, amount, and whether or not it was settled. When a late return occurs, the merchant account is notified via . The contains the amount of the return and the file ID number (for security reasons account information is not transmitted via ). To see which transaction has now been marked as a late return, log into the gateway, go to reports, and down to Late Return. Enter the file ID number that was in the . A list of all transactions that were charged back under that file ID number will be displayed. Step Action 1 Click Reports dropdown on the left side menu. 2 Click Late Return from the options listed under Reports. 3 Enter the Late Return From and To dates. 4 Click Run Report to view the Late Returns

22 Reports Current Batch Current Batch This screen allows the merchant to view and modify pending transactions that are scheduled to be processed the next business day. This option is the last chance for the user to view and change a pending transaction before it is processed. Step Action 1 Click Current Batch. 2 By default, the Current Batch report for the merchant will be displayed. To access the report for a submerchant, use the Search button. 3 Click the word Update Report. Result: A list of Transactions appears. Note: To make changes to a transaction click on the Transaction ID in the left column 21 21

23 Reports Daily Activity Daily Activity The daily activity link connects to a report that shows a summary for the current day. This report is broken into 4 categories; items which are processed, settled, returned, and returned late. Step 1 Click Daily Activity. 2 Select Desired date range. 3 Click Run Report. Action Note: Clicking on the icon next to the Date From field will populate date range options. Selecting one of these options will automatically populate the date range fields

24 Reports Daily Activity Output Daily Activity Output This report creates a downloadable file of all activity for the current date. The information below shows the format of the daily activity output file layout and offers a brief description of codes used. For the purpose of this section field is interchangeable with column. Continued on next page 23 23

25 Reports Daily Activity Output, Continued Daily Activity Output (continued) To retrieve the Daily Activity Output report click on the Daily Activity Output link from the Reports dropdown menu. Result: The activity output for the current day is displayed. To view information from another date follow the steps below. Step Action 1 Go into the Daily Activity Output screen. 2 Enter the Submerchant Account (if applicable) and the date of the daily activity report to be viewed. 3 Click the Run Report button. 4 Select the blue results file link to view the activity report in Excel. Hint: To save the file on the hard drive, right click on the file name and choose Save target As from the drop-down menu

26 Reports Merchant Ledger Merchant Ledger This report produces a view of the merchant ledger for a specified month. The merchant ledger shows the merchant s current account standing (general ledger) with CheckCare. A ledger entry is made each day that the business is open. If accessing the report from Then the Dropdown menu on the left window. Merchant Summary Page 1. Click on Merchant Ledger. 2. Select Desired Report Period. 3. Click Run Report. 1. Click Ledger. The entry shows the total business sent on a given day, any fees associated with those transactions, any returns that are generated because of those transactions, any charge backs, and any settlements that are paid to the merchant. Click Prev Month to the left side of the screen to access the previous month. Click Next Month to the right side of the screen to access the following month. Continued on next page 25 25

27 Reports Merchant Ledger, Continued Merchant Ledger Header Explanations The terms below will help with interpretation of the Merchant Ledger Report. Note: Parentheses around a number is money going to CheckCare. A number without parentheses is money going to the merchant. Term ID Sub Merchant File ID Type Opening Current Balance Description The ID number associated with a specific ledger entry. Each submerchant has their own id for each file. The ID is listed in the first column of the Merchant Ledger. Click on an ID to view details about that day s history. If account is setup with submerchant, the Sub Merchant column will be populated. If an account has submerchant codes, there will be a daily entry made for all submerchant codes that had activity. The file ID number is the ID for the items transmitted out that date. Click on the File ID to view details of a particular date. The type of transaction the entry is for. ACH Automated Clearing House transaction CB Chargeback ATMV ATM Verify The opening balance for that day it is the gross figure. This is the seventh column of the Merchant Ledger. The current balance for that day it is a net figure, which includes any returns that may have come in since the items were sent out and fees that are due. The running balance of each day combined with any beginning balance (from the previous month) that may exist

28 Reports NCN Report NCN Report This Report displays all transactions that have been NCN verified for the specified date range. Enter the NCN Date From and To and click the Run Report button to display all NCN verified transactions within the range

29 Reports NOC Report NOC Report The Notice of Change (NOC) Report displays transactions that require updates prior to the next batch submission. This report should be run at the close of business each day to verify that customer account information has been corrected in accordance with NACHA guidelines. Fines may be charged to merchants for non-compliance with NACHA Rules regarding updating account information when an NOC is given. To run the report enter the NOC Date From and To and click the Run Report button. Corrected transactions appear on a screen like the one below

30 Reports Returned Transaction Returned Transaction To display a list of Returned transactions enter the Return Date From and To, then click the Run Report button. Click any item to see more information. A new page displays with several options for processing this return item. At the bottom of the page, in the transaction history section, the return code is listed with any other notes. Note: CHECKCARE WILL HANDLE ALL RETURNS EXCEPT R10 (CUSTOMER ADVISES NOT AUTHORIZED), R07 (CUSTOMER ADVISES NOT AUTHORIZED), AND R08 (STOP PAYMENT)

31 Reports Settlement Report Settlement Report The Settlements link produces a table with the Settlements for the month and fees. Each of the columns can be sorted by clicking the column title. Settlements means that an ACH transaction has been generated to credit the merchant for any items owed or debits for any items that may be owed. This report displays all transactions that settled on a given day or date range. To display a list of Settled transactions enter the Settlement Date From and To, then click the Run Report button. The resulting report can be sorted by clicking on the column title. Please keep in mind that settlements are done on the 4 th day after the date of the transaction. Continued on next page 30 30

32 Reports Settlement Report, Continued Settlement Report Header Explanations The terms below will help with interpretation of the Settlement Report. Note: Parentheses around a number is money going to CheckCare. A number without parentheses is money going to the merchant. Term SID File Type Sub Merchant Debits Offset Credits D/C Fee NOC Fee Description The Settlement ID. The file id that the settlement was settled from. Details of each file are viewable by clicking on the file id. Details include whether individual transactions were settled or returned. The type of transaction the entry is for. ACH Automated Clearing House transaction LR Late return RSRV Reserve release. (Withdrawn reserves are included in the ACH transactions of the Settlement Report). If account is setup with submerchant, the Sub Merchant column will be populated. If an account has submerchant codes, there will be a daily entry made for all submerchant codes that had activity. The total dollar amount of debit transactions that have settled in the specified SID. Money held from a merchant to create a credit. Credit transactions. If creating a credit for a previous debit, first an offset will be created, then two days later the credit will be transmitted. Debit or Credit fee (as defined by the merchant contract). Notice of Change fee (as defined by the merchant contract). Continued on next page 31 31

33 Reports Settlement Report, Continued Settlement Report Header Explanations (continued) Term Return Fee LR LR Fees CB Rej Res Discount Amt Description Return fee (as defined by the merchant contract). Late Return. A return that has occurred after settlement. Late Return fees (as defined by the merchant contract). Chargeback. Reject fee (as defined by the merchant contract). Fee applied when CheckCare rejects a submission. An example would be fees for a transaction stopped by the data block. Reserve amount taken out of the settlement. Processing fee charged to the merchant. This amount is normally based on a set percentage rate. Balance after a settlement it is a net amount

34 Reports Transaction Summary Transaction Summary This report allows a merchant search history for a particular date range. It displays a total number of items that have been transmitted, returned, chargedback, voided, etc. Step Action 1 Click Reports button on side menu. 2 Click Transaction Summary on side menu. 3 Select the type of transactions to be displayed from the Transaction Type drop-down menu. 4 Enter the first date of the range in the Date From field. 5 Enter the end date of the range in the To field. 6 Click the Run Report button to display the report

35 Utilities ABA Search ABA Search The American Bankers Association assigns a unique number to every financial institution, this number is called an ABA or Routing Number. This utility allows the user to search the system for bank information by entering the routing number of any financial institution. Step Action 1 Click the Utilities button from the side menu. 2 Click on ABA Search 3 Enter the ABA number in the Routing # field. 4 Click the Search button. Result: The financial institution information displays

36 Utilities Merchant Management Merchant Management This link located under the Utilities button on the side menu allows the user to search for the merchant account number and circle back to the Main Index Menu, first seen when entering the system. However, the Merchant Summary link is a more direct route to the same destination. This link is also accessible by clicking ACH in the upper left corner of the screen just above the Transaction dropdown menu

37 Utilities Merchant Summary Merchant Summary The Merchant Summary button located on the side menu under the Utilities button automatically brings the user back to the Main Index Menu first seen when entering the system

38 Refunds Credit Transactions In the instance that a refund or credit needs to be created for a transaction, follow the steps below. Step Action 1 Search for the transaction following the steps listed in the Transaction Options Search section of this manual. 2 Click on the desired transaction. 3 Click Credit Transaction

39 Useful Terminology Definitions There are several references to industry specific terms or abbreviations in this guide. While this section is not comprehensive, it serves as a reference. Term Description ABA Search References banks listed with the Federal Reserve Bank. Authorization Tracks authorization requests for transactions. Requests Chargeback Lists all items reported, by the customer, as R07 or R10. Create Credit Offset A credit offset is a debit transaction that is created when a merchant creates a credit transaction. This task will create the debit transaction sent to the merchant s bank to cover their Company Returns Data Blocks Debit Transaction Hold Fee Transfer Merchant Ledger Merchant Management credits. Typically credit offsets are due to insufficient funds that are on hold and do not leave the account. Debits returned after credits are released (chargebacks) put CheckCare at risk of losing money on a transaction. Company returns must be addressed by Merchant Services daily. This tool prevents transactions from originating against an account that has been blocked in the system. This is useful if a consumer requests that no further transactions be sent to their account by CheckCare. Adding an r account number to this tool will prevent further transactions from transmitting. During the course of the day, debit transactions are created by merchants and held for various reasons. All held transactions should be verified prior to originating the evening files. Transfers funds from file settlement into a company s bank account. Provides an overview of a merchants account standing (general ledger) with CheckCare. The last line shows the balance due or owed. This section contains pertinent information about Merchants and sub merchants. Continued on next page 38 38

40 Useful Terminology, Continued Definitions (continued) Term Nonconforming Item Notification of Change (NOC) Description An item that does not conform to the proper rules and regulations for the various SEC codes to include but not limited to maintaining proper authorizations. For instance, if an item is sent out and processed and then the bank or consumer requests a copy of the authorization and the merchant cannot provide that authorization, then that makes this item a non-conforming item because the rules say that a merchant must obtain and maintain all authorizations for 2 years. Provides a list of all Notification of Changes received on originated transactions. It is very important that these items are check on a daily basis. An item that the bank corrects and processes rather than simply returning the item unpaid/unprocessed. Not all banks will correct items. Process Chargeback Transaction Some banks have a policy that they are to return the item period. When a bank makes a correction (can be a change in routing number, fixing an item that was submitted as a savings account rather than a checking account, etc.) they send back a notification to that is forwarded to the merchant to make any corrections. Merchants can face fines if the customer information is submitted a second time without being updated. A chargeback is a transaction that has been returned after the settlement date. The Process Chargeback Transactions task creates daily chargeback transactions. Continued on next page 39 39

41 Useful Terminology, Continued TNon-conforming ItemTTT (continued) Term Process Return Files Release Credit Hold Release Reserves Reserve Transfer Return Exceptions Returned Transaction Run Transaction Filter SEC Codes Send Files Settlement Settlement Windows Transaction Summary Description Return files are received from the Originating Depository Financial Institution (ODFI) and processed daily. Upon processing the file, all transactions within the file post to the Merchant s ledger. The Return File must process before daily settlement occurs. Any credit transaction that is created by a merchant is automatically placed on a 2 day hold. This task will release the applicable holds and the transaction status will change to Pending and the transactions will get originated in the next file. Used for merchants that have reserves taken from their settlements; it creates transactions for returning reserve funds when the reserve period has ended (normally a rolling 90 day period). Transfers reserve money to a company s Reserve Account. Return files are received daily. Process Return Exceptions exist when items in return files do not match originated items. Lists all items that have been returned as unpaid. The transaction filter assists the company with voiding any transaction that should not be originated to the ODFI. Such transactions include items that have already been returned once; it would be against National Automated Clearing House Association (NACHA) rules for the transactions to go out again. PPD, RCK, WEB, ARC, CCD, TEL This task transmits the daily files to the ODFI. Lists settlements made to the merchant account for a specific timeframe. There are two settlement windows for originated files, 2 Day File and 4 Day File. When files are Settled, transactions are created for the merchants within the file. CheckCare generally uses 4 Day Filing. A summary of all activity the merchant account has generated during a specific time frame

42 Return Codes Return Codes Return codes and ACH return reasons. Codes in bold are the codes seen most often. Code R01 R02 R03 R04 R05 R06 R07 R08 R09 R10 R11 R12 R13 R14 R15 R16 R17 R18 R19 R20 R21 R22 R23 R24 R25 R26 R27 R28 Description Insufficient Funds Account Closed No Account/Unable to Locate Account Invalid Account Number Reserved Returned per ODFIs Request Authorization Revoked by Customer Payment Stopped or Stop Payment on Item Uncollected Funds Customer Advises Not Authorized Check Truncation Entry Return Branch sold to another DFI RDFI not qualified to participate Re-presentment payee deceased or unable to continue in that capacity Beneficiary of account holder deceased Account Frozen File record edit criteria Improper effective entry date Amount field error Non-Transaction Account Invalid company identification Invalid individual ID number Credit entry refused by receiver Duplicate entry Addenda error Mandatory field error Trace number error Routing number check digit error Continued on next page 41 41

43 Return Codes, Continued Return Codes (continued) Code R29 R30 R31 R32 R33 R34 R35 R36 R40 R41 R42 R43 R44 R45 R46 R47 R50 R51 R52 R61 R62 R63 R64 R65 R66 R67 R68 R69 Description Corporate customer advises not authorized RDFI not participant in check truncation program Permissible return entry RDFI non-settlement Return of XCK entry Limited participation DFI Return of improper debit entry Return of improper credit entry Return of ENR entry by Federal Government Agency (ENR only) Invalid transaction code (ENTR only) Routing number/check digit error Invalid DFI account number (ENR only) Invalid individual ID number (ENR only) Invalid individual name/company name (ENR only) Invalid representative payee indicator (ENR only) Duplicate enrollment State Law Affecting RCK Acceptance Item is Ineligible, Notice Not Provided, Signature not genuine Stop Payment on Item Misrouted return Incorrect trace number Incorrect dollar amount Incorrect individual identification Incorrect transaction code Incorrect company identification Duplicate return Untimely Return Multiple Errors Continued on next page 42 42

44 Return Codes, Continued Return Codes (continued) Code R70 R71 R72 R73 R74 R80 R81 R82 R83 Description Permissible return entry not accepted Misrouted dishonored item Untimely dishonored return Timely original return Corrected return Cross-Border Payment Coding Error Non-Participant in Cross-Border Program Invalid Foreign Receiving DFI Identification Foreign Receiving DFI Unable to Settle 43 43

45 NOC Codes Notice of Change Codes Notice of Change codes and ACH return reasons. Codes in bold are the codes seen most often. Code C01 C02 C03 C04 C05 C06 C07 C08 C09 C10 C11 C12 C13 C61 C62 C63 C64 C65 C66 C67 C68 C69 Description Incorrect DFI Account Number Incorrect Transit/Routing Number Incorrect Transit/Routing Number and Incorrect DFI Account Number Incorrect Individual Name Incorrect Transaction Code Incorrect DFI Account Number and Incorrect Transaction Code Incorrect Transit/Routing Number, Incorrect DFI Account Number, and Incorrect Transaction Code Reserved Incorrect Individual Identification Number Incorrect Company Name Incorrect Company Identification Incorrect Company Name and Company Identification Addenda Format Error Misrouted Notification of Change Incorrect Trace Number Incorrect Company Identification Number Incorrect Individual Identification Number Incorrectly Formatted Corrected Data Incorrect Discretionary Data Routing Number Not From Original Entry Detail Record DFI Account Number Not From Original Entry Detail Record Incorrect Transaction Code 44 44