BAI2 reference
BAI2 type codes
All 469 type codes of the BAI2 specification, each with its level and direction, plus 10 codes from outside the list that the BAI2 Viewer also recognizes.
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Where type codes go
A BAI2 file reports each amount with a three-digit type code that says what the amount is: a balance, a total, or one transaction. The level of the code decides which record it belongs in.
| Level | Record | What the amount is | Codes |
|---|---|---|---|
| Status | 03 | A balance, reported in the 03 Account Identifier record. | 54 |
| Summary | 03 | A total of credits or debits, reported in the 03 record with an optional item count. | 155 |
| Detail | 16 | One transaction, reported in a 16 Transaction Detail record. | 260 |
In an 03 Account Identifier record the codes come in groups of four fields: type code, amount, item count and funds type. Status codes report balances and leave the item count and funds type empty; summary codes report a total and may say how many items it covers. This 03 opens with the opening and closing ledger balances (010 and 015), then total credits (100: 2,325.00 in 2 items) and total debits (400: 750.00 in 1 item):
03,0012345678,USD,010,1250000,,,015,1407500,,,100,232500,2,,400,75000,1,/In a 16 Transaction Detail record the type code is the second field and names one transaction. Here 475 is Check Paid, a debit of 750.00, with the check number 1043 as the customer reference:
16,475,75000,,,1043,CHECK 1043Amounts have no decimal point: the currency sets the implied decimals, two for USD. Codes 100 to 399 are credits and 400 to 699 debits; 700 to 799 hold loan balances and loan transactions; 890 carries a message instead of an amount; and 900 to 999 are left to each bank. The full field layouts are on the BAI2 file format page, under Account Identifier (03) and Transaction Detail (16), and the BAI2 Viewer shows the type code of every amount in a file you open. Both lines above come from an example file explained line by line on the format page.
A detail code in an 03 or a status code in a 16 is a mistake the viewer reports; see the check code.type-code-level under validation checks.
The 469 BAI2 type codes
In code order and grouped by range, as the BAI2 specification lists them: 54 status codes, 155 summary codes and 260 detail codes. The level says which record carries the code and the direction whether money came in or went out; status codes are balances and have no direction.
479 codes: 469 from the BAI2 list and 10 from outside it.
001–099: Account status (balances)
Balances such as ledger, available and float, reported in the 03 record. The amount may be signed; item count and funds type are left blank. 49 codes.
| Code | Description | Level | Direction |
|---|---|---|---|
| 010 | Opening Ledger | Status | – |
| 011 | Average Opening Ledger MTD | Status | – |
| 012 | Average Opening Ledger YTD | Status | – |
| 015 | Closing Ledger | Status | – |
| 020 | Average Closing Ledger MTD | Status | – |
| 021 | Average Closing Ledger – Previous Month | Status | – |
| 022 | Aggregate Balance Adjustments | Status | – |
| 024 | Average Closing Ledger YTD – Previous Month | Status | – |
| 025 | Average Closing Ledger YTD | Status | – |
| 030 | Current Ledger | Status | – |
| 037 | ACH Net Position | Status | – |
| 039 | Opening Available + Total Same-Day ACH DTC Deposit | Status | – |
| 040 | Opening Available | Status | – |
| 041 | Average Opening Available MTD | Status | – |
| 042 | Average Opening Available YTD | Status | – |
| 043 | Average Available – Previous Month | Status | – |
| 044 | Disbursing Opening Available Balance | Status | – |
| 045 | Closing Available | Status | – |
| 050 | Average Closing Available MTD | Status | – |
| 051 | Average Closing Available – Last Month | Status | – |
| 054 | Average Closing Available YTD – Last Month | Status | – |
| 055 | Average Closing Available YTD | Status | – |
| 056 | Loan Balance | Status | – |
| 057 | Total Investment Position | Status | – |
| 059 | Current Available (CRS Suppressed) | Status | – |
| 060 | Current Available | Status | – |
| 061 | Average Current Available MTD | Status | – |
| 062 | Average Current Available YTD | Status | – |
| 063 | Total Float | Status | – |
| 065 | Target Balance | Status | – |
| 066 | Adjusted Balance | Status | – |
| 067 | Adjusted Balance MTD | Status | – |
| 068 | Adjusted Balance YTD | Status | – |
| 070 | 0-Day Float | Status | – |
| 072 | 1-Day Float | Status | – |
| 073 | Float Adjustment | Status | – |
| 074 | 2 or More Days Float | Status | – |
| 075 | 3 or More Days Float | Status | – |
| 076 | Adjustment to Balances | Status | – |
| 077 | Average Adjustment to Balances MTD | Status | – |
| 078 | Average Adjustment to Balances YTD | Status | – |
| 079 | 4-Day Float | Status | – |
| 080 | 5-Day Float | Status | – |
| 081 | 6-Day Float | Status | – |
| 082 | Average 1-Day Float MTD | Status | – |
| 083 | Average 1-Day Float YTD | Status | – |
| 084 | Average 2-Day Float MTD | Status | – |
| 085 | Average 2-Day Float YTD | Status | – |
| 086 | Transfer Calculation | Status | – |
100–399: Credits (summary and detail)
Credits. Summary codes (100 is Total Credits) go in the 03 record; detail codes go in 16 records, one transaction each. 206 codes.
| Code | Description | Level | Direction |
|---|---|---|---|
| 100 | Total Credits | Summary | Credit |
| 101 | Total Credit Amount MTD | Summary | Credit |
| 105 | Credits Not Detailed | Summary | Credit |
| 106 | Deposits Subject to Float | Summary | Credit |
| 107 | Total Adjustment Credits YTD | Summary | Credit |
| 108 | Credit (Any Type) | Detail | Credit |
| 109 | Current Day Total Lockbox Deposits | Summary | Credit |
| 110 | Total Lockbox Deposits | Summary | Credit |
| 115 | Lockbox Deposit | Detail | Credit |
| 116 | Item in Lockbox Deposit | Detail | Credit |
| 118 | Lockbox Adjustment Credit | Detail | Credit |
| 120 | EDI Transaction Credit | Summary | Credit |
| 121 | EDI Transaction Credit | Detail | Credit |
| 122 | EDIBANX Credit Received | Detail | Credit |
| 123 | EDIBANX Credit Return | Detail | Credit |
| 130 | Total Concentration Credits | Summary | Credit |
| 131 | Total DTC Credits | Summary | Credit |
| 135 | DTC Concentration Credit | Detail | Credit |
| 136 | Item in DTC Deposit | Detail | Credit |
| 140 | Total ACH Credits | Summary | Credit |
| 142 | ACH Credit Received | Detail | Credit |
| 143 | Item in ACH Deposit | Detail | Credit |
| 145 | ACH Concentration Credit | Detail | Credit |
| 146 | Total Bank Card Deposits | Summary | Credit |
| 147 | Individual Bank Card Deposit | Detail | Credit |
| 150 | Total Preauthorized Payment Credits | Summary | Credit |
| 155 | Preauthorized Draft Credit | Detail | Credit |
| 156 | Item in PAC Deposit | Detail | Credit |
| 160 | Total ACH Disbursing Funding Credits | Summary | Credit |
| 162 | Corporate Trade Payment Settlement | Summary | Credit |
| 163 | Corporate Trade Payment Credits | Summary | Credit |
| 164 | Corporate Trade Payment Credit | Detail | Credit |
| 165 | Preauthorized ACH Credit | Detail | Credit |
| 166 | ACH Settlement | Detail | Credit |
| 167 | ACH Settlement Credits | Summary | Credit |
| 168 | ACH Return Item or Adjustment Settlement | Detail | Credit |
| 169 | Miscellaneous ACH Credit | Detail | Credit |
| 170 | Total Other Check Deposits | Summary | Credit |
| 171 | Individual Loan Deposit | Detail | Credit |
| 172 | Deposit Correction | Detail | Credit |
| 173 | Bank-Prepared Deposit | Detail | Credit |
| 174 | Other Deposit | Detail | Credit |
| 175 | Check Deposit Package | Detail | Credit |
| 176 | Re-presented Check Deposit | Detail | Credit |
| 178 | List Post Credits | Summary | Credit |
| 180 | Total Loan Proceeds | Summary | Credit |
| 182 | Total Bank-Prepared Deposits | Summary | Credit |
| 184 | Draft Deposit | Detail | Credit |
| 185 | Total Miscellaneous Deposits | Summary | Credit |
| 186 | Total Cash Letter Credits | Summary | Credit |
| 187 | Cash Letter Credit | Detail | Credit |
| 188 | Total Cash Letter Adjustments | Summary | Credit |
| 189 | Cash Letter Adjustment | Detail | Credit |
| 190 | Total Incoming Money Transfers | Summary | Credit |
| 191 | Individual Incoming Internal Money Transfer | Detail | Credit |
| 195 | Incoming Money Transfer | Detail | Credit |
| 196 | Money Transfer Adjustment | Detail | Credit |
| 198 | Compensation | Detail | Credit |
| 200 | Total Automatic Transfer Credits | Summary | Credit |
| 201 | Individual Automatic Transfer Credit | Detail | Credit |
| 202 | Bond Operations Credit | Detail | Credit |
| 205 | Total Book Transfer Credits | Summary | Credit |
| 206 | Book Transfer Credit | Detail | Credit |
| 207 | Total International Money Transfer Credits | Summary | Credit |
| 208 | Individual International Money Transfer Credit | Detail | Credit |
| 210 | Total International Credits | Summary | Credit |
| 212 | Foreign Letter of Credit | Detail | Credit |
| 213 | Letter of Credit | Detail | Credit |
| 214 | Foreign Exchange of Credit | Detail | Credit |
| 215 | Total Letters of Credit | Summary | Credit |
| 216 | Foreign Remittance Credit | Detail | Credit |
| 218 | Foreign Collection Credit | Detail | Credit |
| 221 | Foreign Check Purchase | Detail | Credit |
| 222 | Foreign Checks Deposited | Detail | Credit |
| 224 | Commission | Detail | Credit |
| 226 | International Money Market Trading | Detail | Credit |
| 227 | Standing Order | Detail | Credit |
| 229 | Miscellaneous International Credit | Detail | Credit |
| 230 | Total Security Credits | Summary | Credit |
| 231 | Total Collection Credits | Summary | Credit |
| 232 | Sale of Debt Security | Detail | Credit |
| 233 | Securities Sold | Detail | Credit |
| 234 | Sale of Equity Security | Detail | Credit |
| 235 | Matured Reverse Repurchase Order | Detail | Credit |
| 236 | Maturity of Debt Security | Detail | Credit |
| 237 | Individual Collection Credit | Detail | Credit |
| 238 | Collection of Dividends | Detail | Credit |
| 239 | Total Bankers’ Acceptance Credits | Summary | Credit |
| 240 | Coupon Collections – Banks | Detail | Credit |
| 241 | Bankers’ Acceptances | Detail | Credit |
| 242 | Collection of Interest Income | Detail | Credit |
| 243 | Matured Fed Funds Purchased | Detail | Credit |
| 244 | Interest/Matured Principal Payment | Detail | Credit |
| 245 | Monthly Dividends | Summary | Credit |
| 246 | Commercial Paper | Detail | Credit |
| 247 | Capital Change | Detail | Credit |
| 248 | Savings Bonds Sales Adjustment | Detail | Credit |
| 249 | Miscellaneous Security Credit | Detail | Credit |
| 250 | Total Checks Posted and Returned | Summary | Credit |
| 251 | Total Debit Reversals | Summary | Credit |
| 252 | Debit Reversal | Detail | Credit |
| 254 | Posting Error Correction Credit | Detail | Credit |
| 255 | Check Posted and Returned | Detail | Credit |
| 256 | Total ACH Return Items | Summary | Credit |
| 257 | Individual ACH Return Item | Detail | Credit |
| 258 | ACH Reversal Credit | Detail | Credit |
| 260 | Total Rejected Credits | Summary | Credit |
| 261 | Individual Rejected Credit | Detail | Credit |
| 263 | Overdraft | Detail | Credit |
| 266 | Return Item | Detail | Credit |
| 268 | Return Item Adjustment | Detail | Credit |
| 270 | Total ZBA Credits | Summary | Credit |
| 271 | Net Zero-Balance Amount | Summary | Credit |
| 274 | Cumulative ZBA or Disbursement Credits | Detail | Credit |
| 275 | ZBA Credit | Detail | Credit |
| 276 | ZBA Float Adjustment | Detail | Credit |
| 277 | ZBA Credit Transfer | Detail | Credit |
| 278 | ZBA Credit Adjustment | Detail | Credit |
| 280 | Total Controlled Disbursing Credits | Summary | Credit |
| 281 | Individual Controlled Disbursing Credit | Detail | Credit |
| 285 | Total DTC Disbursing Credits | Summary | Credit |
| 286 | Individual DTC Disbursing Credit | Detail | Credit |
| 294 | Total ATM Credits | Summary | Credit |
| 295 | ATM Credit | Detail | Credit |
| 301 | Commercial Deposit | Detail | Credit |
| 302 | Correspondent Bank Deposit | Summary | Credit |
| 303 | Total Wire Transfers In – FF | Summary | Credit |
| 304 | Total Wire Transfers In – CHF | Summary | Credit |
| 305 | Total Fed Funds Sold | Summary | Credit |
| 306 | Fed Funds Sold | Detail | Credit |
| 307 | Total Trust Credits | Summary | Credit |
| 308 | Trust Credit | Detail | Credit |
| 309 | Total Value - Dated Funds | Summary | Credit |
| 310 | Total Commercial Deposits | Summary | Credit |
| 315 | Total International Credits – FF | Summary | Credit |
| 316 | Total International Credits – CHF | Summary | Credit |
| 318 | Total Foreign Check Purchased | Summary | Credit |
| 319 | Late Deposit | Summary | Credit |
| 320 | Total Securities Sold – FF | Summary | Credit |
| 321 | Total Securities Sold – CHF | Summary | Credit |
| 324 | Total Securities Matured – FF | Summary | Credit |
| 325 | Total Securities Matured – CHF | Summary | Credit |
| 326 | Total Securities Interest | Summary | Credit |
| 327 | Total Securities Matured | Summary | Credit |
| 328 | Total Securities Interest – FF | Summary | Credit |
| 329 | Total Securities Interest – CHF | Summary | Credit |
| 330 | Total Escrow Credits | Summary | Credit |
| 331 | Individual Escrow Credit | Detail | Credit |
| 332 | Total Miscellaneous Securities Credits – FF | Summary | Credit |
| 336 | Total Miscellaneous Securities Credits – CHF | Summary | Credit |
| 338 | Total Securities Sold | Summary | Credit |
| 340 | Total Broker Deposits | Summary | Credit |
| 341 | Total Broker Deposits – FF | Summary | Credit |
| 342 | Broker Deposit | Detail | Credit |
| 343 | Total Broker Deposits – CHF | Summary | Credit |
| 344 | Individual Back Value Credit | Detail | Credit |
| 345 | Item in Brokers Deposit | Detail | Credit |
| 346 | Sweep Interest Income | Detail | Credit |
| 347 | Sweep Principal Sell | Detail | Credit |
| 348 | Futures Credit | Detail | Credit |
| 349 | Principal Payments Credit | Detail | Credit |
| 350 | Investment Sold | Summary | Credit |
| 351 | Individual Investment Sold | Detail | Credit |
| 352 | Total Cash Center Credits | Summary | Credit |
| 353 | Cash Center Credit | Detail | Credit |
| 354 | Interest Credit | Detail | Credit |
| 355 | Investment Interest | Summary | Credit |
| 356 | Total Credit Adjustment | Summary | Credit |
| 357 | Credit Adjustment | Detail | Credit |
| 358 | YTD Adjustment Credit | Detail | Credit |
| 359 | Interest Adjustment Credit | Detail | Credit |
| 360 | Total Credits Less Wire Transfer and Returned Checks | Summary | Credit |
| 361 | Grand Total Credits Less Grand Total Debits | Summary | Credit |
| 362 | Correspondent Collection | Detail | Credit |
| 363 | Correspondent Collection Adjustment | Detail | Credit |
| 364 | Loan Participation | Detail | Credit |
| 366 | Currency and Coin Deposited | Detail | Credit |
| 367 | Food Stamp Letter | Detail | Credit |
| 368 | Food Stamp Adjustment | Detail | Credit |
| 369 | Clearing Settlement Credit | Detail | Credit |
| 370 | Total Back Value Credits | Summary | Credit |
| 372 | Back Value Adjustment | Detail | Credit |
| 373 | Customer Payroll | Detail | Credit |
| 374 | FRB Statement Recap | Detail | Credit |
| 376 | Savings Bond Letter or Adjustment | Detail | Credit |
| 377 | Treasury Tax and Loan Credit | Detail | Credit |
| 378 | Transfer of Treasury Credit | Detail | Credit |
| 379 | FRB Government Checks Cash Letter Credit | Detail | Credit |
| 381 | FRB Government Check Adjustment | Detail | Credit |
| 382 | FRB Postal Money Order Credit | Detail | Credit |
| 383 | FRB Postal Money Order Adjustment | Detail | Credit |
| 384 | FRB Cash Letter Auto Charge Credit | Detail | Credit |
| 385 | Total Universal Credits | Summary | Credit |
| 386 | FRB Cash Letter Auto Charge Adjustment | Detail | Credit |
| 387 | FRB Fine-Sort Cash Letter Credit | Detail | Credit |
| 388 | FRB Fine-Sort Adjustment | Detail | Credit |
| 389 | Total Freight Payment Credits | Summary | Credit |
| 390 | Total Miscellaneous Credits | Summary | Credit |
| 391 | Universal Credit | Detail | Credit |
| 392 | Freight Payment Credit | Detail | Credit |
| 393 | Itemized Credit Over $10,000 | Detail | Credit |
| 394 | Cumulative Credits | Detail | Credit |
| 395 | Check Reversal | Detail | Credit |
| 397 | Float Adjustment | Detail | Credit |
| 398 | Miscellaneous Fee Refund | Detail | Credit |
| 399 | Miscellaneous Credit | Detail | Credit |
400–699: Debits (summary and detail)
Debits. Summary codes (400 is Total Debits) go in the 03 record; detail codes go in 16 records, one transaction each. 198 codes.
| Code | Description | Level | Direction |
|---|---|---|---|
| 400 | Total Debits | Summary | Debit |
| 401 | Total Debit Amount MTD | Summary | Debit |
| 403 | Today’s Total Debits | Summary | Debit |
| 405 | Total Debit Less Wire Transfers and Charge-Backs | Summary | Debit |
| 406 | Debits not Detailed | Summary | Debit |
| 408 | Float Adjustment | Detail | Debit |
| 409 | Debit (Any Type) | Detail | Debit |
| 410 | Total YTD Adjustment | Summary | Debit |
| 412 | Total Debits (Excluding Returned Items) | Summary | Debit |
| 415 | Lockbox Debit | Detail | Debit |
| 416 | Total Lockbox Debits | Summary | Debit |
| 420 | EDI Transaction Debits | Summary | Debit |
| 421 | EDI Transaction Debit | Detail | Debit |
| 422 | EDIBANX Settlement Debit | Detail | Debit |
| 423 | EDIBANX Return Item Debit | Detail | Debit |
| 430 | Total Payable–Through Drafts | Summary | Debit |
| 435 | Payable–Through Draft | Detail | Debit |
| 445 | ACH Concentration Debit | Detail | Debit |
| 446 | Total ACH Disbursement Funding Debits | Summary | Debit |
| 447 | ACH Disbursement Funding Debit | Detail | Debit |
| 450 | Total ACH Debits | Summary | Debit |
| 451 | ACH Debit Received | Detail | Debit |
| 452 | Item in ACH Disbursement or Debit | Detail | Debit |
| 455 | Preauthorized ACH Debit | Detail | Debit |
| 462 | Account Holder Initiated ACH Debit | Detail | Debit |
| 463 | Corporate Trade Payment Debits | Summary | Debit |
| 464 | Corporate Trade Payment Debit | Detail | Debit |
| 465 | Corporate Trade Payment Settlement | Summary | Debit |
| 466 | ACH Settlement | Detail | Debit |
| 467 | ACH Settlement Debits | Summary | Debit |
| 468 | ACH Return Item or Adjustment Settlement | Detail | Debit |
| 469 | Miscellaneous ACH Debit | Detail | Debit |
| 470 | Total Check Paid | Summary | Debit |
| 471 | Total Check Paid – Cumulative MTD | Summary | Debit |
| 472 | Cumulative Checks Paid | Detail | Debit |
| 474 | Certified Check Debit | Detail | Debit |
| 475 | Check Paid | Detail | Debit |
| 476 | Federal Reserve Bank Letter Debit | Detail | Debit |
| 477 | Bank Originated Debit | Detail | Debit |
| 478 | List Post Debits | Summary | Debit |
| 479 | List Post Debit | Detail | Debit |
| 480 | Total Loan Payments | Summary | Debit |
| 481 | Individual Loan Payment | Detail | Debit |
| 482 | Total Bank-Originated Debits | Summary | Debit |
| 484 | Draft | Detail | Debit |
| 485 | DTC Debit | Detail | Debit |
| 486 | Total Cash Letter Debits | Summary | Debit |
| 487 | Cash Letter Debit | Detail | Debit |
| 489 | Cash Letter Adjustment | Detail | Debit |
| 490 | Total Outgoing Money Transfers | Summary | Debit |
| 491 | Individual Outgoing Internal Money Transfer | Detail | Debit |
| 493 | Customer Terminal Initiated Money Transfer | Detail | Debit |
| 495 | Outgoing Money Transfer | Detail | Debit |
| 496 | Money Transfer Adjustment | Detail | Debit |
| 498 | Compensation | Detail | Debit |
| 500 | Total Automatic Transfer Debits | Summary | Debit |
| 501 | Individual Automatic Transfer Debit | Detail | Debit |
| 502 | Bond Operations Debit | Detail | Debit |
| 505 | Total Book Transfer Debits | Summary | Debit |
| 506 | Book Transfer Debit | Detail | Debit |
| 507 | Total International Money Transfer Debits | Summary | Debit |
| 508 | Individual International Money Transfer Debits | Detail | Debit |
| 510 | Total International Debits | Summary | Debit |
| 512 | Letter of Credit Debit | Detail | Debit |
| 513 | Letter of Credit | Detail | Debit |
| 514 | Foreign Exchange Debit | Detail | Debit |
| 515 | Total Letters of Credit | Summary | Debit |
| 516 | Foreign Remittance Debit | Detail | Debit |
| 518 | Foreign Collection Debit | Detail | Debit |
| 522 | Foreign Checks Paid | Detail | Debit |
| 524 | Commission | Detail | Debit |
| 526 | International Money Market Trading | Detail | Debit |
| 527 | Standing Order | Detail | Debit |
| 529 | Miscellaneous International Debit | Detail | Debit |
| 530 | Total Security Debits | Summary | Debit |
| 531 | Securities Purchased | Detail | Debit |
| 532 | Total Amount of Securities Purchased | Summary | Debit |
| 533 | Security Collection Debit | Detail | Debit |
| 534 | Total Miscellaneous Securities DB – FF | Summary | Debit |
| 535 | Purchase of Equity Securities | Detail | Debit |
| 536 | Total Miscellaneous Securities Debit – CHF | Summary | Debit |
| 537 | Total Collection Debit | Summary | Debit |
| 538 | Matured Repurchase Order | Detail | Debit |
| 539 | Total Bankers’ Acceptances Debit | Summary | Debit |
| 540 | Coupon Collection Debit | Detail | Debit |
| 541 | Bankers’ Acceptances | Detail | Debit |
| 542 | Purchase of Debt Securities | Detail | Debit |
| 543 | Domestic Collection | Detail | Debit |
| 544 | Interest/Matured Principal Payment | Detail | Debit |
| 546 | Commercial paper | Detail | Debit |
| 547 | Capital Change | Detail | Debit |
| 548 | Savings Bonds Sales Adjustment | Detail | Debit |
| 549 | Miscellaneous Security Debit | Detail | Debit |
| 550 | Total Deposited Items Returned | Summary | Debit |
| 551 | Total Credit Reversals | Summary | Debit |
| 552 | Credit Reversal | Detail | Debit |
| 554 | Posting Error Correction Debit | Detail | Debit |
| 555 | Deposited Item Returned | Detail | Debit |
| 556 | Total ACH Return Items | Summary | Debit |
| 557 | Individual ACH Return Item | Detail | Debit |
| 558 | ACH Reversal Debit | Detail | Debit |
| 560 | Total Rejected Debits | Summary | Debit |
| 561 | Individual Rejected Debit | Detail | Debit |
| 563 | Overdraft | Detail | Debit |
| 564 | Overdraft Fee | Detail | Debit |
| 566 | Return Item | Detail | Debit |
| 567 | Return Item Fee | Detail | Debit |
| 568 | Return Item Adjustment | Detail | Debit |
| 570 | Total ZBA Debits | Summary | Debit |
| 574 | Cumulative ZBA Debits | Detail | Debit |
| 575 | ZBA Debit | Detail | Debit |
| 577 | ZBA Debit Transfer | Detail | Debit |
| 578 | ZBA Debit Adjustment | Detail | Debit |
| 580 | Total Controlled Disbursing Debits | Summary | Debit |
| 581 | Individual Controlled Disbursing Debit | Detail | Debit |
| 583 | Total Disbursing Checks Paid – Early Amount | Summary | Debit |
| 584 | Total Disbursing Checks Paid – Later Amount | Summary | Debit |
| 585 | Disbursing Funding Requirement | Summary | Debit |
| 586 | FRB Presentment Estimate (Fed Estimate) | Summary | Debit |
| 587 | Late Debits (After Notification) | Summary | Debit |
| 588 | Total Disbursing Checks Paid-Last Amount | Summary | Debit |
| 590 | Total DTC Debits | Summary | Debit |
| 594 | Total ATM Debits | Summary | Debit |
| 595 | ATM Debit | Detail | Debit |
| 596 | Total ARP Debits | Summary | Debit |
| 597 | ARP Debit | Detail | Debit |
| 601 | Estimated Total Disbursement | Summary | Debit |
| 602 | Adjusted Total Disbursement | Summary | Debit |
| 610 | Total Funds Required | Summary | Debit |
| 611 | Total Wire Transfers Out- CHF | Summary | Debit |
| 612 | Total Wire Transfers Out – FF | Summary | Debit |
| 613 | Total International Debit – CHF | Summary | Debit |
| 614 | Total International Debit – FF | Summary | Debit |
| 615 | Total Federal Reserve Bank – Commercial Bank Debit | Summary | Debit |
| 616 | Federal Reserve Bank – Commercial Bank Debit | Detail | Debit |
| 617 | Total Securities Purchased – CHF | Summary | Debit |
| 618 | Total Securities Purchased – FF | Summary | Debit |
| 621 | Total Broker Debits – CHF | Summary | Debit |
| 622 | Broker Debit | Detail | Debit |
| 623 | Total Broker Debits – FF | Summary | Debit |
| 625 | Total Broker Debits | Summary | Debit |
| 626 | Total Fed Funds Purchased | Summary | Debit |
| 627 | Fed Funds Purchased | Detail | Debit |
| 628 | Total Cash Center Debits | Summary | Debit |
| 629 | Cash Center Debit | Detail | Debit |
| 630 | Total Debit Adjustments | Summary | Debit |
| 631 | Debit Adjustment | Detail | Debit |
| 632 | Total Trust Debits | Summary | Debit |
| 633 | Trust Debit | Detail | Debit |
| 634 | YTD Adjustment Debit | Detail | Debit |
| 640 | Total Escrow Debits | Summary | Debit |
| 641 | Individual Escrow Debit | Detail | Debit |
| 644 | Individual Back Value Debit | Detail | Debit |
| 646 | Transfer Calculation Debit | Summary | Debit |
| 650 | Investments Purchased | Summary | Debit |
| 651 | Individual Investment purchased | Detail | Debit |
| 654 | Interest Debit | Detail | Debit |
| 655 | Total Investment Interest Debits | Summary | Debit |
| 656 | Sweep Principal Buy | Detail | Debit |
| 657 | Futures Debit | Detail | Debit |
| 658 | Principal Payments Debit | Detail | Debit |
| 659 | Interest Adjustment Debit | Detail | Debit |
| 661 | Account Analysis Fee | Detail | Debit |
| 662 | Correspondent Collection Debit | Detail | Debit |
| 663 | Correspondent Collection Adjustment | Detail | Debit |
| 664 | Loan Participation | Detail | Debit |
| 665 | Intercept Debits | Summary | Debit |
| 666 | Currency and Coin Shipped | Detail | Debit |
| 667 | Food Stamp Letter | Detail | Debit |
| 668 | Food Stamp Adjustment | Detail | Debit |
| 669 | Clearing Settlement Debit | Detail | Debit |
| 670 | Total Back Value Debits | Summary | Debit |
| 672 | Back Value Adjustment | Detail | Debit |
| 673 | Customer Payroll | Detail | Debit |
| 674 | FRB Statement Recap | Detail | Debit |
| 676 | Savings Bond Letter or Adjustment | Detail | Debit |
| 677 | Treasury Tax and Loan Debit | Detail | Debit |
| 678 | Transfer of Treasury Debit | Detail | Debit |
| 679 | FRB Government Checks Cash Letter Debit | Detail | Debit |
| 681 | FRB Government Check Adjustment | Detail | Debit |
| 682 | FRB Postal Money Order Debit | Detail | Debit |
| 683 | FRB Postal Money Order Adjustment | Detail | Debit |
| 684 | FRB Cash Letter Auto Charge Debit | Detail | Debit |
| 685 | Total Universal Debits | Summary | Debit |
| 686 | FRB Cash Letter Auto Charge Adjustment | Detail | Debit |
| 687 | FRB Fine-Sort Cash Letter Debit | Detail | Debit |
| 688 | FRB Fine-Sort Adjustment | Detail | Debit |
| 689 | FRB Freight Payment Debits | Summary | Debit |
| 690 | Total Miscellaneous Debits | Summary | Debit |
| 691 | Universal Debit | Detail | Debit |
| 692 | Freight Payment Debit | Detail | Debit |
| 693 | Itemized Debit Over $10,000 | Detail | Debit |
| 694 | Deposit Reversal | Detail | Debit |
| 695 | Deposit Correction Debit | Detail | Debit |
| 696 | Regular Collection Debit | Detail | Debit |
| 697 | Cumulative Debits | Detail | Debit |
| 698 | Miscellaneous Fees | Detail | Debit |
| 699 | Miscellaneous Debit | Detail | Debit |
700–799: Loan transactions
Loans: status codes 701–709, credit codes 720–728 (a summary and the amounts applied to interest, principal and the like) and the debit summary 760. 15 codes.
| Code | Description | Level | Direction |
|---|---|---|---|
| 701 | Principal Loan Balance | Status | – |
| 703 | Available Commitment Amount | Status | – |
| 705 | Payment Amount Due | Status | – |
| 707 | Principal Amount Past Due | Status | – |
| 709 | Interest Amount Past Due | Status | – |
| 720 | Total Loan Payment | Summary | Credit |
| 721 | Amount Applied to Interest | Detail | Credit |
| 722 | Amount Applied to Principal | Detail | Credit |
| 723 | Amount Applied to Escrow | Detail | Credit |
| 724 | Amount Applied to Late Charges | Detail | Credit |
| 725 | Amount Applied to Buydown | Detail | Credit |
| 726 | Amount Applied to Misc. Fees | Detail | Credit |
| 727 | Amount Applied to Deferred Interest Detail | Detail | Credit |
| 728 | Amount Applied to Service Charge | Detail | Credit |
| 760 | Loan Disbursement | Summary | Debit |
800–899: Unassigned (890: non-monetary information)
No codes are assigned here except 890, a detail code for a 16 record that carries a message in its text instead of an amount. 1 code.
| Code | Description | Level | Direction |
|---|---|---|---|
| 890 | Contains Non-monetary Information | Detail | Non-monetary |
900–999: Bank-defined codes
The specification lists no codes here: each bank assigns its own and should say what they mean in its BAI2 guide. The range still tells you the level and direction.
| Codes | Range | How they are used |
|---|---|---|
| 900–919 | Custom account status (bank-defined) | Status codes your bank defines, reported in the 03 record like 001–099. |
| 920–959 | Custom credits (bank-defined) | Credit codes your bank defines: a summary code in an 03 record, a detail code in a 16 record. |
| 960–999 | Custom debits (bank-defined) | Debit codes your bank defines: a summary code in an 03 record, a detail code in a 16 record. |
Code list adapted from ministryofjustice/bai2 (opens in a new tab) (MIT License; Copyright (C) 2015-2025 HM Government (Ministry of Justice Digital & Technology)) and checked against the type-code appendix of the BAI2 specification (BAI, 2005).
10 codes outside the BAI2 list
These codes are not in the specification’s list, but the BAI2 Viewer recognizes them, with the meaning below, and does not flag them. Real-time payment codes such as 158 and 458 came into use at banks after the 2005 list; five others came with the code list this page is built on and turn up in no published source, so treat their names with care.
| Code | Description | Level | Direction | Source |
|---|---|---|---|---|
| 087 | MTD Ave Collected | Status | – | Unverified. Not in the BAI2 list or in any bank list checked; the name is unverified. |
| 088 | MTD Ave Neg Collected | Status | – | Unverified. Not in the BAI2 list or in any bank list checked; the name is unverified. |
| 102 | Total Number of Credits | Summary | Credit | Unverified. Not in the BAI2 list or in any bank list checked; the name is unverified. |
| 158 | Real Time Payment Credit | Detail | Credit | Used by several banks. Not in the BAI2 list. Banks use it for real-time payment credits. |
| 159 | Total Real Time Payment Credits | Summary | Credit | Used by several banks. Not in the BAI2 list. Banks use it for the total of real-time payment credits. |
| 402 | Total Number of Debits | Summary | Debit | One bank’s code. Not in the BAI2 list. Some banks use it for the number of debits. |
| 458 | Real Time Payment Debit | Detail | Debit | Used by several banks. Not in the BAI2 list. Banks use it for real-time payment debits. |
| 459 | Total Real Time Payment Debits | Summary | Debit | Used by several banks. Not in the BAI2 list. Banks use it for the total of real-time payment debits. |
| 706 | Loan Participation | Detail | Credit | Unverified. Not in the BAI2 list or in any bank list checked; the name is unverified. |
| 708 | Value Dated Funds | Detail | Credit | Unverified. Not in the BAI2 list or in any bank list checked; the name is unverified. |
BAI2 and BTRS
BAI2’s copyright passed from BAI to ASC X9 in 2008, and ASC X9 publishes its successor, the Balance and Transaction Reporting Standard (BTRS), as ANSI X9.121. A BTRS file builds on the BAI2 records and says Version Number 3 in its File Header, where a BAI2 file says 2.
Its code list is not the BAI2 list. The 2012 edition cut the list to 181 codes, each tied to one summary code, added a few (035, 141, 371, 441 and 671), renamed many and gave some a different meaning: 040, 077, 078 and 370 changed. 077, for one, is Average Adjustment to Balances MTD in BAI2 but 2 Day Available in BTRS 2012. The current BTRS code list (version 3.3.1, with X9.121-2016 reaffirmed in 2021) is a free download from ANSI (opens in a new tab); this page lists the BAI2 codes only.
The BAI2 Viewer opens version 3 files but reads them with BAI2 meanings, and says so in a warning. Check any code in a BTRS file against your bank’s BTRS list. The record-level differences are on the BAI2 file format page.
Sources and credits
The list follows the type-code appendix of BAI’s Cash Management Balance Reporting Specifications, Version 2 (2005). The names are the specification’s, lightly normalized; the explanations on this page are our own. Banks add codes of their own and sometimes use listed codes in their own way, so check your bank’s BAI2 guide for codes it reports.
NACHA Navigator is independent and not affiliated with BAI, ASC X9 or any bank. This page is for information only.