1085 - DNA Core API - Checking Account Available Balance Includes Draw Source

Category Core Specific

Description Indicates whether the Available Balance field for checking accounts includes draw source balance(s) from other accounts

Purpose Controls how checking account available balances are calculated. Allows institutions to determine whether draw source balances are included when calculating available funds.

Valid Values

• T( True) Checking account available balance includes draw source balances. Available balance is calculated using the formula: CurrentBalance – (CardHoldAmount + CheckHoldAmount + ManagementHoldAmount).
• F (False) Checking account available balance does not include draw source balances.

Default Value F

Notes / Dependencies

• Applies to DNA Core API environments.
• Impacts:
  • Available balance calculations
  • Account balance presentation in IVR and SmartApps
  • Transaction eligibility decisions
  • Member-visible balance amounts