FLEXBridge API: Account Inquiry Service

FLEXBridge FLEXBridge FLEXBridge API: Account Inquiry Service

This document provides comprehensive technical documentation for the FLEXBridge Account Inquiry Service API, a RESTful API designed for retrieving member account information within the FLEX system. All data is sent and returned in JSON format.

API Version: 1.194 and up

Available FLEX Releases: 8.04 and up

1. Introduction to FLEXBridge Account Inquiry Service

The Account Inquiry Service API is a core component of the FLEXBridge System, enabling the retrieval of detailed member account information. It offers various functions to search for and display member and account data.

1.1 Authentication

FLEXBridge is a RESTful API with built-in authentication. Authentication headers must be attached to every HTTPS request. For detailed information on adding authentication headers, please refer to the FLEX Core System documentation.

2. Account Inquiry Search Functions

The Account Inquiry Service API provides several methods to search for member and account information.

2.1 General Account Inquiry Searches

These requests are used to retrieve basic member information or account numbers. The information can be used for member identification or verification.

  • Method: GET
  • REST URL: https://{URL_ADDRESS}/api/account/search/{SEARCH_TYPE}?query={QUERY_INFO}&association={ASSOCIATION_TYPE}

2.1.1 Search Types ({SEARCH_TYPE})

  • name: Search by full name.
  • taxid: Search by full Tax ID.
  • accountnumber: Search by full account number.
  • partialname: Search by partial name (returns matches for all or part of first or last name).
  • partialtaxid: Search by partial Tax ID (returns matches to the last four digits).
  • lastfourtaxid: Search by the last four digits of the Tax ID.
  • lastnamefirstinitial: Search by last name and first initial.

2.1.2 Query Information ({QUERY_INFO})

  • Type: String
  • Description: Member query value based on the SEARCH_TYPE (e.g., member’s name, account number, or Tax ID).
  • Required: Yes

2.1.3 Association Type ({ASSOCIATION_TYPE})

  • Type: String
  • Description: Optional filter to reduce search results based on a member’s association. If not used, the service returns all association types.
  • Valid Options:
    • P: Primary Member
    • J: Joint Owner
    • B: Beneficiary
    • C: Co-Borrower
    • A: Authorized Signer
  • Required: No

2.1.4 Examples

  • Search by Account Number:
    https://{URL_ADDRESS}/api/account/search/accountnumber?query=12345
  • Search by Last Four Digits of Tax ID (Primary Member):
    https://{URL_ADDRESS}/api/account/search/lastfourtaxid?query=8654&association=P
  • Search by Name (Partial):
    https://{URL_ADDRESS}/api/account/search/partialname?query=agar

2.1.5 Response Structure

  • Object: accounts (List of AccountSearchResult objects)
  • Description: List of information resulting from an account inquiry search.

2.2 Account Number Query

Retrieves member information tied to a specific account number, including closed accounts.

  • Method: GET
  • REST URL: https://{URL_ADDRESS}/api/account/search/accountnumber?query={ACCOUNT_NUMBER}&association={ASSOCIATION_TYPE}
  • Required Parameters:
    • {ACCOUNT_NUMBER}: Full member account number.
  • Optional Parameters:
    • {ASSOCIATION_TYPE}: (See 2.1.3)

2.3 Tax ID Searches

Retrieves minimal account information based on an individual’s Tax ID, including closed accounts.

  • Method: GET
  • REST URL: https://{URL_ADDRESS}/api/account/search/{SEARCH_TYPE}?query={TAX_ID_VALUE}&association={ASSOCIATION_TYPE}
  • Required Parameters:
    • {SEARCH_TYPE}: taxid, partialtaxid, or lastfourtaxid.
    • {TAX_ID_VALUE}: The Tax ID value.
  • Optional Parameters:
    • {ASSOCIATION_TYPE}: (See 2.1.3)

2.4 Member Name Searches

Searches for member account numbers by name, including closed accounts.

  • Method: GET
  • REST URL: https://{URL_ADDRESS}/api/account/search/{SEARCH_TYPE}?query={NAME_VALUE}&association={ASSOCIATION_TYPE}
  • Required Parameters:
    • {SEARCH_TYPE}: name, partialname, or lastnamefirstinitial.
    • {NAME_VALUE}: The name value. For name and lastnamefirstinitial, use LAST_NAME, FIRST_NAME or LAST_NAME, FIRST_INITIAL.
  • Optional Parameters:
    • {ASSOCIATION_TYPE}: (See 2.1.3)

2.5 Account Detail Search

Retrieves the maximum amount of data regarding an individual using their account number. This includes account and member data, addresses, emails, phone numbers, and information about shares, certificates, loans, Joint Owners, Authorized Signers, and Co-Borrowers. Beneficiary information is only available through Tax ID searches.

  • Method: GET
  • REST URL: https://{URL_ADDRESS}/api/account/{ACCOUNT_NUMBER}/detail
  • Required Parameters:
    • {ACCOUNT_NUMBER}: Member account number.

2.5.1 Response Object (accountOverview)

The accountOverview object provides a comprehensive view of the account, including nested objects for:

  • entity: Primary Account Holder information.
  • addresses: All available addresses for the primary member.
  • phones: All available phone numbers for the primary member.
  • emails: All available email addresses for the primary account holder.
  • shares: Information regarding all share suffixes on the account.
  • certificates: Information for all available Certificates of Deposit.
  • loans: Information for all available loan suffixes.
  • jointOwners: All Joint Owners associated with the account.
  • authorizedSigners: All Authorized Signers associated with the account.
  • coBorrowers: All Co-Borrowers associated with the account.
  • nonSufficientFunds: Information regarding NSFs (only found in Account Overview response).
  • creditScores: A listing of all available member credit score records (only found in Account Overview response).

3. Specific Account Inquiry Functions

3.1 Accounts Opened Query

Retrieves all accounts opened within a specified date range.

  • Method: POST
  • REST URL: https://{URL_ADDRESS}/api/account/search/opened
  • JSON Body Attributes:
    • fromDate: (Date, MM/DD/CCYY) Beginning date for the query. Required.
    • toDate: (Date, MM/DD/CCYY) Ending date for the query. Required.
  • Note: To limit results and prevent timeouts, FLEX advises selecting a date range no longer than one year.

3.2 Account Suffix Transaction History Requests

Retrieves transaction history records for a specific account and suffix number. Multiple requests are required to retrieve history from all suffixes.

  • Method: POST
  • REST URL: https://{URL_ADDRESS}/api/account/{ACCOUNT_NUMBER}/history/{SUFFIX}
  • Required Parameters:
    • {ACCOUNT_NUMBER}: Member account number.
    • {SUFFIX}: Suffix number.
  • JSON Body Filter Options (Optional):
    • transactionNumber: Unique Transaction History sequence number.
    • fromDate: (Date, MM/DD/CCYY) When used with toDate, includes records from fromDate to toDate. Can be used individually to return records greater than or equal to the date.
    • toDate: (Date, MM/DD/CCYY) When used with fromDate, includes records from fromDate to toDate. Can be used individually to return records less than or not equal to the date.
    • referenceNumber: Transaction History information tied to the number provided.
    • fromCheckNumber: When used with toCheckNumber, includes records within the range. Can be used individually to return records greater than or equal to the check number.
    • toCheckNumber: When used with fromCheckNumber, includes records within the range. Can be used individually to return records less than or not equal to the check number.
    • maxResultCount: Limits the number of records in the response, starting from the current system date.
    • includeComments: (Boolean) Include or exclude comment records.
    • includeAvailableBalanceAdjustments: (Boolean) Include or exclude history records denoting available balance adjustments.

3.3 Account Holds

Retrieves a list of holds for a specific account.

  • Method: GET
  • REST URL: https://{URL_ADDRESS}/api/account/{ACCOUNT_NUMBER}/holds
  • Required Parameters:
    • {ACCOUNT_NUMBER}: Member account number.

3.4 Account Suffix Share Overdraft Information

Retrieves an account’s share overdraft information using an account number and suffix. This request must be run separately for each suffix.

  • Method: GET
  • REST URL: https://{URL_ADDRESS}/api/account/{ACCOUNT_NUMBER}/shareoverdraftinformation/{SUFFIX_NUMBER}
  • Required Parameters:
    • {ACCOUNT_NUMBER}: Member account number.
    • {SUFFIX_NUMBER}: Member suffix number.

3.5 Account Notes

Retrieves notes available for a member’s account.

  • Method: GET
  • REST URL: https://{URL_ADDRESS}/api/account/{ACCOUNT_NUMBER}/notes
  • Required Parameters:
    • {ACCOUNT_NUMBER}: Member account number.

3.6 Audio PIN Reset

Resets an audio PIN for a member’s account. A successful reset changes the PIN to 0000, prompting the member to enter a new PIN upon next access.

  • Method: POST
  • REST URL: https://{URL_ADDRESS}/api/account/{ACCOUNT_NUMBER}/resetpin
  • Required Parameters:
    • {ACCOUNT_NUMBER}: Member account number.

3.7 Validate Audio PIN

Verifies if an Audio PIN is valid for account access.

  • Method: POST
  • REST URL: https://{URL_ADDRESS}/api/account/audio/validatepin
  • JSON Body Attributes:
    • accountNumber: (Number, max 9 characters) Member account number. Required.
    • unencryptedPIN: (Number, max 4 characters) Member current PIN. Required.

3.8 Searching an Account’s Relationship Pricing Groups

Retrieves a member’s current Relationship Pricing Group(s).

  • Method: GET
  • REST URL: https://{URL_ADDRESS}/api/account/{ACCOUNT_NUMBER}/relationshipgroups
  • Required Parameters:
    • {ACCOUNT_NUMBER}: Member account number.

4. Object References

This section details the structure and attributes of key objects returned in API responses.

4.1 Account Search Results – Accounts (accounts)

This object is returned for successful Tax ID and account queries.

  • accountNumber (Number): Account number.
  • suffix (Number): Indicates which account suffix an associationType can access. 0 indicates access to all share suffixes.
  • associationType (String): Type of association for member on account (e.g., P for Primary, J for Joint).
  • openedDate (Date): Date account was opened (MM/DD/CCYY).
  • firstName (String): First name of Primary Account Holder.
  • lastName (String): Last name of Primary Account Holder.
  • taxId (Number): Social security number or Tax ID.
  • accountType (String): Base account type (e.g., B for Business, I for Individual).
  • primaryAddress (Object): Primary address for the individual.
  • emails (List of Objects): List of emails on the individual’s account.
  • entityKey (Number): Unique identifier for the entity.

4.2 Account Suffix Access Information

The suffix attribute within the accounts object designates account suffix access.

  • Primary Account Holder: suffix value of 0 indicates full access (all certificates, IRAs, shares, and loans).
  • Joint Owners/Authorized Signers: suffix value of 0 indicates access to all account share suffixes (excluding IRAs for Joint Owners). Otherwise, the suffix value reflects specific accessible suffixes.
  • Co-Borrowers: suffix attribute will always equal the loan suffix they were assigned. Typically, Co-Borrowers do not have access to share suffixes.
  • Beneficiary: Usually only has account access after the death of the Primary Account Holder. Beneficiary information is only found with Tax ID searches.

Note: FLEX advises using the suffixList attribute (under the Account Overview object) for authorized suffix access.

4.3 Home, Work, and Cell Phone Numbers

The initial search response includes the first available phone number. A full list requires an Account Detail search.

  • phoneKey (Number): Unique assigned numeric key.
  • areaCode (Number): Area code.
  • number (Number): Phone number.
  • extension (String): Extension number.
  • countryCode (Number): Country code.
  • type (String): Type of phone (H=Home, W=Work, C=Cell).
  • description (String): Member or credit union defined description.

4.4 Primary Address

The primaryAddress in the response comes from the address sequence marked as “Receipt” in the credit union’s database. A full list of addresses requires an Account Detail search.

  • addressKey (Number): Unique assigned numeric key.
  • city (String): City.
  • country (String): Country.
  • line1 (String): Address line 1.
  • line2 (String): Address line 2.
  • state (String): State.
  • zipcode (String): Zipcode.
  • zipcode4 (Number): Additional four digits of zipcode.

4.5 Emails

Provides a list of all email addresses available for an individual.

  • accountNumber (Number): Account number.
  • sequenceNumber (Number): Email ID number.
  • address (String): Email address.
  • statements (Boolean): Used for statements.
  • receipts (Boolean): Used for receipts.
  • notices (Boolean): Used for NSF Notices.
  • creditCardStatements (Boolean): Used for Credit Card Statements (in-house only).
  • mailings (Boolean): Used for Mailers.
  • alerts (Boolean): Used for eAlerts.
  • helocStatements (Boolean): Used for HELOC Statements.
  • badAddress (Boolean): Address considered bad.
  • newsletters (Boolean): Used for Newsletters.

4.6 Account Overview Result (accountOverview)

The comprehensive response object for a detail account search. (See Section 2.5.1 for nested objects).

4.7 Entity – Primary Account Holder (entity)

Primary member’s entity information, connectable to multiple account numbers.

  • entityKey (Number): Unique entity key.
  • entityType (String): FLEX defined entity type description (e.g., ASIGN, BENEF).
  • firstName (String): First name.
  • lastName (String): Last name.
  • taxId (Number): Tax ID number.
  • birthDate (Date): Birthdate (MM/DD/CCYY).
  • gender (String): Gender (M=Male, F=Female).
  • driversLicenseNumber (String): Driver’s license number.
  • driversLicenseState (String): Driver’s license state.
  • deceased (Boolean): Is the individual deceased?
  • addresses (List of Objects): List of addresses.
  • phones (List of Objects): List of phone numbers.

4.8 Shares (shares)

Includes information regarding all share suffixes on the account.

  • shareType (String): Credit union defined share type.
  • openedDate (Date): Date share suffix was opened.
  • currentBalance (Number): Current balance of share suffix.
  • description (String): Account suffix description.
  • group (String): FLEX assigned account suffix value indicating suffix use.
  • groupDescription (String): FLEX assigned description based on the group attribute.

4.9 Certificates (certificates)

Includes information for all available Certificates of Deposit on the account.

  • certificateType (String): Credit union defined certificate type.
  • openedDate (Date): Date certificate opened.
  • maturityDate (Date): Maturity date of the certificate.
  • currentBalance (Number): Current balance of certificate.
  • description (String): Account suffix description.

4.10 Loans (loans)

Includes information for all available loan suffixes on the account.

  • loanType (String): Credit union defined Loan Type.
  • openedDate (Date): Date a loan opened.
  • maturityDate (Date): The maturity date of the loan.
  • currentBalance (Number): The current balance of loan suffix.
  • description (String): Account suffix description.

4.11 Joint Owners (jointOwners)

Includes all Joint Owners associated with the account. The suffixList indicates what account loan suffix the individual has access to or is linked to.

  • rightsOfSurvivorship (Boolean): Does the Joint Owner have Survivorship rights?
  • entityKey (Number): Unique entity key.
  • taxId (Number): Joint Owner SSN or Tax ID number.
  • firstName (String): Joint Owner first name.
  • lastName (String): Joint Owner last name.
  • suffixList (List of Numbers): List of suffix numbers the Joint Owner is authorized to access.
  • address (Object): The primary address for the Joint Owner.
  • phones (List of Objects): List of phone numbers for a Joint Owner.

4.12 Authorized Signers (authorizedSigners)

Includes all Authorized Signers associated with the account. The suffixList indicates what account loan suffix the individual has access to or is linked to.

  • entityKey (Number): Unique entity key.
  • taxId (Number): Authorized Signer SSN or Tax ID number.
  • firstName (String): Authorized Signer first name.
  • lastName (String): Authorized Signer last name.
  • suffixList (List of Numbers): List of suffix numbers the Authorized Signer is authorized to access.
  • address (Object): The primary address of the Authorized Signer.
  • phones (List of Objects): List of the phone numbers of the Authorized Signer.

4.13 Co-Borrowers (coBorrowers)

Includes all Co-Borrowers associated with the account. The suffixList indicates what account loan suffix the individual has access to or is linked to.

  • entityKey (Number): Unique entity key.
  • taxId (Number): Co-Borrower SSN or Tax ID number.
  • firstName (String): Co-Borrower first name.
  • lastName (String): Co-Borrower last name.
  • suffixList (List of Numbers): List of suffix numbers the Co-Borrower is authorized to access.
  • address (Object): The primary address for the Co-Borrower.
  • phones (List of Objects): List of the phone numbers for a Co-Borrower.

4.14 Account Opened Query Object (accounts)

The object response returned when searching for all accounts opened within a specified period.

  • memberName (String): The full name of a member or business account.
  • accountNumber (Number): Account number of the member or business.
  • dateOpened (Object): Open Date of the account, broken into year, month, and day.

4.15 Non-Sufficient Funds (nonSufficientFunds)

Lists information regarding NSFs occurring to an account and suffix. This information is only found in the Account Overview response.

  • accountNumber (Number): Account number for NSF.
  • suffix (Number): Account suffix for NSF.
  • amount (Number): Amount of the NSF.
  • returnDate (Date): Date draft returned (MM/DD/CCYY).
  • processDate (Object): The process date broken into year, month, and day.
  • subsystem (String): Indicates where NSF originated from (e.g., AC for ACH Posting, BP for Bill Pay).
  • returnPaidCodeRP (String): Indicates if an item was returned or paid (R=Returned, P=Paid).

4.16 Credit Scores (creditScores)

A listing for all available member credit score records tied to an account. This information is only found in the Account Overview response.

  • socialSecurityNumber (Number): Tax ID of the individual or business.
  • processorType (String): Credit Bureau FLEX defined code (e.g., EQ=Equifax, EX=Experian).
  • scoreType (String): Credit Bureau score type (model type code).
  • scoreDate (Date): Date when the score was retrieved (MM/DD/CCYY).
  • score (Number): Credit score.
  • grade (String): Credit grade.

4.17 Holds (holds)

List of all holds placed against an account suffix.

  • accountNumber (Number): Account number.
  • suffix (Number): The account suffix affected by the hold amount.
  • daysToHold (Number): Number of days an amount is held. 99 indicates an indefinite hold.
  • reason (String): Reason for hold.
  • amount (Number): The hold amount.
  • dateOfHold (Date): Date of the hold (MM/DD/CCYY).

4.18 Account Notes (accountNotes)

List of all available notes attached to an account.

  • noteId (Number): FLEX assigned unique note key.
  • accountNumber (Number): Account number.
  • suffix (Number): Indicates if a note applies to a unique suffix or the whole account (0 for whole account).
  • creationDate (Date): Creation date for note (MM/DD/CCYY).
  • subject (String): Indicates a note’s purpose.
  • text (String): Note main text body.
  • noteCategory (String): Note category description.
  • notePriority (String): Indicates a note’s priority rating (Critical, Warning, Info).
  • priorityColor (String): The note Priority Color (e.g., FF0000 for Red).

4.19 Share Overdraft Information (shareOverdraftInformation)

A listing of all available Share Overdrafting Information tied to an account. This information is only found in the Account Overview response.

  • shareType (String): Credit union defined Share Type value.
  • loanType (String): Credit union defined Loan Type value.
  • openedDate (Date): Date share suffix was opened (MM/DD/CCYY).
  • currentBalance (Number): Indicates the current balance of a share or loan suffix.
  • description (String): Account suffix description.
  • group (String): FLEX assigned account suffix value indicating suffix use.
  • groupDescription (String): FLEX assigned description based on the group attribute.

4.20 Account Suffix Transaction History Information (history)

Objects and attributes returned with account suffix history records.

  • sequenceNumber (Number): Unique sequence identifier.
  • accountNumber (Number): Account number involved in transaction.
  • suffix (Number): Suffix involved in a transaction.
  • transactionNumber (Number): Account suffix unique transaction number assigned by FLEX.
  • actualDate (Date): The actual date of the transaction (MM/DD/CCYY).
  • amount (Number): Transaction amount.
  • balanceBefore (Number): Balance before the transaction.
  • balanceAfter (Number): Balance after the transaction.
  • description (String): Transaction description.
  • tranCode (Number): Transaction code used for the transaction.
  • debitORCredit (String): Specifies whether the transaction is a DEBIT or CREDIT.

4.21 Relationship Pricing Groups (relationshipPricingGroups)

  • groups (String): Credit union defined Relationship Pricing Group description.

5. HTTPS Error Responses

FLEX has added additional information to 500 HTTP Status Code errors to assist with troubleshooting. Most errors occur due to invalid attribute values or values not present in the credit union’s database configuration.

5.1 General Errors

  • “message”: “Internal server error – null”
  • “message”: “Internal server error – Account 89 was not found.” (Invalid account number)

5.2 Tax ID Search Errors

  • “message”: “Internal server error – Invalid query, Tax ID must be at least length 7.”
  • “message”: “Internal server error – Invalid query, partial Tax ID must length 4”

5.3 Accounts Opened Query Errors

  • “message”: “Internal server error – From Date must be entered” (Missing fromDate or only toDate present)
  • “message”: “Internal server error – To Date must be entered” (Missing toDate)
  • “message”: “Internal server error – Error parsing request” (Incorrect date format, e.g., not MM/DD/CCYY)

6. Appendix

6.1 Transaction Code List

Share Transaction Codes

  • Deposit: 02
  • Withdrawal Codes: 03 (cash), 04 (check)
  • Withdrawal Balance Negative Codes: 05 (cash), 14 (check)
  • Transfer Codes: 12 (Credit/Increase), 13 (debit), 15 (debit balance negative)

Loan Transaction Codes

  • Payments Codes: 06, 07 (no interest)
  • Reversal: 09
  • Withdrawal Codes: 10 (cash), 11 (check)
  • Transfer Codes: 16 (credit), 17 (credit no interest), 19 (debit/Increase)

Credit Card Transaction Codes

  • Payment Codes: 46, 47 (no interest)
  • Withdrawal Codes: 50 (cash), 51 (check)
  • Reversal: 49
  • Transfer Codes: 56 (credit), 57 (credit no interest), 59 (debit/Increase)

6.2 Type Groups

FLEX assigned Group type codes indicating which grouping description the suffix falls under.

Certificate Group Codes

  • J: IRA
  • F: Health Savings
  • K: Regular
  • O: Roth
  • Q: Education
  • U: Roth Conversion

Share Group Codes

  • A: Auxiliary
  • B: Base
  • D: Draft
  • E: Escrow
  • I: IRA
  • M: Money Market
  • N: Roth IRA
  • P: Educational IRA
  • T: Roth Conversion IRA
  • G: Health Savings

Loan Group Codes

  • C: Consumer
  • M: Mobile Home
  • R: Real Estate
  • L: Line of Credit
  • H: HELOC
  • V: Credit Card
  • S: Shared Secured

6.3 IRA Code List

  • 1: Premature Distribution
  • 2: Premature Distribution with an Exception
  • 3: Disability Withdrawal
  • 4: Death Withdrawal
  • 5: Direct/Internal Transfer Code
  • 7: Normal Distribution
  • 8: Excess Contribution plus Earnings Returned
  • E: Excess Annual Additional under SEC415
  • G: Direct Rollover and Rollover Contribution
  • I: Regular Roth Distribution (allows for exceptions)
  • J: Early Roth Distribution (exceptions not allowed)
  • N: Re-Characterized IRA
  • P: Excess Contribution Plus Earning for the Previous Year
  • Q: Qualified Distribution from a Roth IRA
  • X: Easily Distribution First Two Years
  • Y: Re-Characterized IRA for the Previous Year
  • Z: Early Roth IRA Distribution (allows for exceptions)

6.4 Charge Off Codes

  • R: Resolved
  • 68: Account PIF for less than the full balance
  • 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

6.5 Loan Payment Frequencies

  • W: Weekly (52 payments per year)
  • B: Bi-weekly (26 payments per year)
  • C: Bi-weekly, skip first week of the month
  • E: Bi-weekly, skip last week of the month
  • F: Semi-monthly (24 payments per year)
  • 1: Monthly
  • M: Last day of the month
  • 3: Quarterly
  • Q: Last day of each quarter
  • 6: Semi-yearly (every six months or twice a year)
  • S: Semi-annually on June 30th and December 31st
  • Y: Yearly
  • A: Once a year on December 31st
  • T: One Term Loan (or One Time Only payment)

6.6 Credit Bureau Reporting Codes

  • R: Resolved
  • 05: Account Transferred to another office
  • 11: Current Account
  • 13: Paid or closed account/zero balance
  • 61: Account paid in full, was a voluntary surrender
  • 62: Account paid in full, was a collection account
  • 63: Account paid in full, was a repossession
  • 64: Account paid in full, was a charge-off
  • 65: Account paid in full, foreclosure started
  • 68: Account PIF for less than full balance
  • 71: Account 30 days past due date
  • 78: Account 60 days past due date
  • 80: Account 90 days past due date
  • 82: Account 120 days past due date
  • 83: Account 150 days past due date
  • 84: Account 180 days past due date
  • 88: Claim filed with government for insured portion of loan
  • 89: Deed received in lieu of foreclosure
  • 93: Account assigned to internal or 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

6.7 Note Category Reference

FLEX has six standard note category options defaulted. Credit unions can define additional categories starting from sequence number 100.

FLEX Defined Category Code Values:

  • 1: Standard
  • 2: Collections
  • 3: Phone
  • 4: Dealertrack
  • 5: Loan Application
  • 6: Receipt Notes