Whether you need to return funds to the member depends if the transfer was outgoing or incoming. However, as CU*BASE does not have a way to alert a member to a failed A2A transaction it would be prudent to contact the member regarding the failed A2A origination. 

If your member’s A2A transaction has failed and it is an outgoing transaction, the funds were withdrawn at that time of creation from the member account. In this case, you will need to perform an account adjustment. To do so, use either Tool #30 (code account adjustment) or Tool #492 (full account adjustment).
  • If you wish your front line line staff to use Tool #30 to make the adjustment, your credit union will first need to set up the code for adjustment via Tool #534 Miscellaneous Posting Code Configuration. Within this tool, you will need to configure account adjustment codes for both share and loan accounts. The G/L is found in Tool #569 in the A2A settlement G/L (on the screen this reads "Clearing G/L account"). Then have your front line staff use Tool #30 to make the reversal.
  • If using Tool #492, your back office staff needs to enter the member account and suffix that the transaction was initiated on, the amount that was transferred, and other required items.  The offset G/L for this adjustment is your settlement G/L that was configured in Tool #569, as covered above.
If the A2A transaction that failed is an incoming A2A, your credit union will not need to process any transaction against the member’s account. The member does not get credited for funds until they are delivered to their account via ACH.