The Deposit Underwriting API utilizes machine learning technologies to monitor and adapt based upon identified behaviors and patterns.
As part of this effort, Ingo requests a daily file transfer providing pertinent information regarding any previously decisioned checks that have been returned for any reason. Capturing return data aids in establishing a stronger risk model for future decisioning activities.
Return Files should include 2nd NSF returns. All 1st NSF returns should be redeposited and often clear. Ingo considers NSF a true return when they do not clear on redeposit.
Return File Structure
After the IP has been allow-listed, there are two possible ways to connect to our SFTP server.
Connection Methods:
Return File Contents
| Field | Type | MaxLength | Nullable |
|---|---|---|---|
| CheckNumber | nvarchar | 20 | NULL |
| ReturnDate | UTCdatetime | NULL | |
| DepositDate | UTCdatetime | NULL | |
| DepositType | nvarchar | 255 | NULL |
| Reason | nvarchar | 25 | NULL |
| CustomerCode | nvarchar | NULL | |
| RefAmount | moneyincents | NULL | |
| SponsorBank | varchar | 50 | NULL |
| TransactionID | nvarchar | 10 | NULL |
Note: The TransactionID represents the value sent to Ingo as part of the root request data.
| CustomerCode | Reason |
|---|---|
| A | NSF - Not sufficient funds |
| B | UCF - Uncollected funds hold |
| C | Stop payment |
| D | Closed account |
| E | UTLA - Unable to locate account |
| F | Frozen/blocked account. Account has restrictions placed on it by either |
| G | Stale dated |
| H | Post dated |
| I | Endorsement missing |
| J | Endorsement irregular |
| K | Signature(s) missing |
| L | Signature(s) irregular |
| M | Non-cash item (non negotiable) |
| N | Altered/fictitious Item. Suspected counterfeit/counterfeit |
| O | Unable to process (e.g. unable to process physical item/mutilated such |
| P | Item exceeds stated max value |
| Q | Not authorized (Includes drafts) – unauthorized item such as a draft |
| R | Branch/account sold (wrong bank) – divested account |
| S | Refer to maker |
| T | Item cannot be re-presented (exceeds number of allowable times the item |
| U | Unusable Image (image could not be used for required business purpose |
| W | Cannot determine amount – amount cannot be verified |
| X | Refer to image – return reason information is contained within the imag |
| Y | Duplicate presentment (supporting documentation shall be readily availa |
| Z | Forgery – an affidavit shall be available upon request |