Special care should be taken when adding distribution records for a member who has more than one deposit coming for the family from the same institution. Take the time to research the member ACH records using the ACH inquiry screen, and if there isn't enough information on this screen, go to CU*SPY and find the PACXTB report to review the ACH detail.

For example, the Smith family receives three ACH payments for Social Security benefits: one for the husband, John, one for the wife, Mary, and one for the children, Bob and Kelly.  (In total the family as a whole receives three ACH payments.)  John wants his loan payment to be a distribution on his ACH deposit.

There are three key fields in each ACH record. They are the company number, DFI number (member account number), and the Fed. Trancode (indicates deposit/withdrawal). Remember that as of the 16.10 release, the company number for ALL Social Security deposits is translated to the SAME company ID, no matter what ID was on the original incoming record from the SSA.  In order for these records to be unique on CU*BASE, the member account number (the 99 base distribution record) must be different for each member.  So for example, John could have his base deposit to the family checking account, Mary to the savings account, and the kids' to a special sub-share account set up just for ACH deposits.

If the company number gets changed for all three SSI payments for this family, review the ACH inquiry screen to determine which new ACH record belongs to John's information so you know which one to add the loan distribution to. Do not add it to the other new ACH records for Mary, Bob and Kelly. If you copy the loan distribution to all of the new ACH records then the loan payment will transfer multiple times.