GenieCashBox On-Line Banking

Process ACH Credits/Debits. Uses NACHA specification for checking account transfers.

A comma delimited file containing ACH transactions using NACHA specifications can be uploaded at geniecashbox.com using SFTP (Port 22).

Files are uploaded to the "in" directory. When files are processed, they are moved to "done" directory.

Result files are written to "results" directory.

For Debits the customer must approve of the transaction. An E-Mail, Phone number, or Cell phone must be provided. An E-Mail, SMS or phone call is sent to the customer requesting approval. If all 3 items are provided, then all 3 are sent.

ACH Input file

File name can be anything. Required fields except for amount follow NACHA specifications for PPD Entry Detail Record. One transaction per line in the file.

Format:

GenieAccount,TransactionCode,RoutingTransferNumber,AccountNumber,Amount,IdentificationNumber,IndividualName,UserID,EMailAddress,PhoneNumber,CellPhone,CellProvider

Example Credit:

8001112222,22,279913472,133004732,32.78,ACME CO,John Smith,293847,jsmith@email.com,8181112222,8184445555,AT&T

Example Debit:

8001112222,27,279913472,133004732,32.78,ACME CO,John Smith,293847,jsmith@email.com,8181112222,8184445555,AT&T

Input Field Definition:
Field Name Size Contents   Description
GenieAccount 20 Alphanumeric Required The Genie Account which is the funding account for this transaction.
TransactionCode 2 22,27,32,37 Required 22 = checking credit
27 = checking debit
32 = savings credit
37 = savings debit
RoutingTransferNumber 9 NNNNNNNNN Required Bank's Routing Number
AccountNumber 17 Alphanumeric Required Checking Account Number
Amount 11 NNNN.NN Required Amount of transaction
IndividualIdentificationNumber 15 Alphanumeric Optional Appears in checking account statement. Genie Number will be used if blank.
IndividualName 22 Alphanumeric Required Checking Account Name
UserID 20 Alphanumeric Optional User supplied Identifier or record number for this transaction.
It is returned in the out file.
EMailAddress 30 Alphanumeric Required For Debit E-Mail is required if no phone numbers. E-Mail contains link for Customer to click to approve of debit.
For credit E-Mail is optional. E-Mail sent to notify of credit.
PhoneNumber 20 Numeric Optional For Debit PhoneNumber required if no E-Mail or CellPhone. Auto call to Customer to approve of debit with touchtone 937 (YES).
CellPhoneNumber 20 Numeric Optional For Debit CellPhone required if no E-Mail or PhoneNumber. Send SMS containing link for Customer to click to approve of debit.
CellPhoneProvider 30 AlphaNumeric Optional CellPhone Provider. Required if CellPhone provided.
Example:

ACH Output file

The results file is processed once a day. The file name format is: DDMMYY_HHMM.csv

Credit transactions are considered successful at processing and not part of the results. The results for credits are errors only.

Debit transactions are considered pending at processing. Successful debits are in the results. A debit transaction has to be approved. When the results file is created if the transaction has been approved by the customer but not yet funded this will also be in the results. It could then appear as successful, NSF or expired in the next days results file.

Format:

DateTime,RecordNumber,ResultCode,ErrorCode,Request,Description,GenieAccount,TransactionCode,RoutingTransferNumber,AccountNumber,Amount,IdentificationNumber,IndividualName,UserID,EMailAddress,PhoneNumber,CellPhoneNumber,CellPhoneProvider

Output Field Definition:
Field Name Description
DateTime Date/Time: DDMMYY HH:MM:SS
RecordNumber Internal Record Number of transaction
ResultCode Applies to both Credit (TransactionCode = 22) and Debit (TransactionCode = 27)
0 = Fail
1 = Success
ErrorCode Applies only on error or failure.
1 = Invalid field value.
2 = Insufficient Funds in Genie CashBox (Credit).
3 = Processing failed.
4 = NSF Checking Account (Debit).
Request Applies only to Debit (TransactionCode = 27)
1 = Request Accepted
2 = Request Denied
3 = Request Expired - no response
Description Error or failure description
GenieAccount Same as input
TransactionCode Same as input
RoutingTransferNumber Same as input
AccountNumber Same as input
Amount Same as input
IndividualIdentificationNumber Same as input or Genie Number
IndividualName Same as input
UserID Same as input
EMailAddress Same as input
PhoneNumber Same as input
CellPhoneNumber Same as input
CellPhoneProvider Same as input