FLEX Member & Account Flags

FLEXBridge 2025 FLEXBridge API Documents FLEX Member & Account Flags

This document provides technical details on the FLEX Core Flags available through the FLEXBridge API. These flags are crucial for credit unions utilizing bridge services to determine appropriate warning messages for systems like Hyosung.

Data Retrieval Overview

FLEXBridge API returns various member and account flags within specific data objects, sourced from different FLEX system maintenance areas.

Flag Categories and Data Sources

The available flags are categorized by the object they are returned within, indicating their source in the FLEX system.

1. Tax ID or Account Query Responses

The following fields are returned directly with Tax ID or account query responses.

  • accounts Object (Source: FLEX Address Maintenance)
    • frozenFlag: Indicates if the account is frozen.
    • doNotAllow: Indicates if the member is on the “Do Not Allow” list.

2. accountOverview Object Responses

All fields listed below are returned within the accountOverview object, generated from a detailed account search.

  • accountOverview Object (Source: FLEX Address Maintenance)
    • accountStatusCode: Current status of the account.
      • Codes:
        • Blank: Opened
        • 2: Closed
        • 3: Closed pending last statement
    • frozenAccount: Indicates if the account is frozen.
    • riskLevel: Assesses the account’s risk level.
      • Values: LOW, MED, HIGH
    • dormancyDate: The date the account became dormant.
    • activeMilitary: Indicates if the member is active military.
    • verifiedOFAC: Indicates if the member has been verified against OFAC lists.

3. Entity Objects (Primary, Joint Owner, Authorized Signer, Co-Borrower)

The following fields are returned within various member entity objects, sourced from FLEX Member Maintenance options.

  • Entity Objects (Source: FLEX Member Maintenance)
    • bankruptcy: Indicates if the member has filed for bankruptcy.
    • causedLoss: Indicates if the member has caused a loss.
    • creditUnionEmployee: Indicates if the member is a credit union employee.
    • activeMilitary: Indicates if the member is active military.
    • deceased: Indicates if the member is deceased.

4. shares Information Object

The fields below are returned within the shares object, pulling data from FLEX Share Maintenance.

  • shares Object (Source: FLEX Share Maintenance)
    • chargeOffCode: Code indicating the reason for a charge-off.
    • chargedOffAmount: The amount charged off.
    • frozen: Indicates if the share is frozen.
    • dormancyDate: The date the share became dormant.

5. loans Information Object

The fields below are returned within the loans object, pulling data from FLEX Loan Maintenance.

  • loans Object (Source: FLEX Loan Maintenance)
    • suffixIncludedInBankruptcy: Indicates if the loan suffix was included in bankruptcy.
    • times30DaysDelinquent: Number of times the loan has been 30 days delinquent.
    • times60DaysDelinquent: Number of times the loan has been 60 days delinquent.
    • times90DaysDelinquent: Number of times the loan has been 90 days delinquent.
    • times120DaysDelinquent: Number of times the loan has been 120 days delinquent.
    • delinquentAmount: The current delinquent amount.
    • delinquentLoan: Indicates if the loan is delinquent.
    • delinquentDays: Number of days the loan has been delinquent.
    • chargeOffCode: Code indicating the reason for a charge-off.
    • chargedOffAmount: The amount charged off.

Charge Off Codes

The following codes are used to indicate the reason for a charge-off:

  • R: Account PIF (Paid In Full) for less than the full balance.
  • 68: Resolved.
  • 89: Deed received in lieu of foreclosure.
  • 93: Account assigned to internal/external collections.
  • 94: Foreclosure/sold collateral to settle mortgage.
  • 95: Voluntary surrender.
  • 96: Repossessed by credit grantor; may have a balance due.
  • 97: Unpaid balance reported as a loss by the creditor.