BAI2 Implementation Guide

H2H BAI2 Implementation Guide U.S.
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Contents
Introduction ........................................................................................................................ 1
Codes and Structure ......................................................................................................... 2
Uniform Type Codes ..................................................................................................... 2
File Structure ................................................................................................................. 2
Account ................................................................................................................... 2
Group ...................................................................................................................... 3
File .......................................................................................................................... 3
Record Descriptions and Layout ............................................................................ 3
Record Characteristics ........................................................................................... 6
Record Formats ............................................................................................................ 8
01 - File Header ...................................................................................................... 8
02 - Group Header .................................................................................................. 9
03 - Account Identifier and Summary Status ........................................................ 11
16 - Transaction Detail ......................................................................................... 13
88 - Additional Transaction Data .......................................................................... 15
49 - Account Trailer .............................................................................................. 16
98 - Group Trailer ................................................................................................. 17
99 File Trailer ..................................................................................................... 18
Appendix A: Type Codes ................................................................................................ 19
Type Code for Non-Monetary Information .................................................................. 19
Customized/Proprietary Type Codes .......................................................................... 19
Appendix B: Bank Standard BAI2 Codes ...................................................................... 20
Appendix C: Bank BAI2 Code Examples ...................................................................... 23
Appendix D: Proprietary to Standard Code Mapping .................................................. 28
Appendix E: BAI2 Code Detail to Summary Mapping List .......................................... 29
Appendix F: BAI2 Control Disbursement Codes ......................................................... 33
Appendix G: Glossary ..................................................................................................... 34
iii
Introduction
The specification presented in this guide defines a format for the presentation of
Bank of America Merrill Lynch information reporting data as further defined by
the Bank Administration Institute (BAI). This guide describes the Bank of
America Merrill Lynch BAI2 format for U.S. accounts, which is utilized by many
of our clients and supports both prior and current day information reporting. Any
deviation from our standard format is outside the scope of this guide. The bank
offers multiple options for obtaining this file format including automated
transmission via CashPro Connect, our Host-to-Host (H2H) file delivery
channel, which includes traditional data transmission protocols and SWIFT
FileAct. BAI2 files downloaded from CashPro Online, our Web-based portal,
may have slight variations.
Portions of this guide are quoted directly from the Cash Management Balance
Reporting Specifications Version 2 Technical Reference Manual published by
the Bank Administration Institute, and are used by permission of Accredited
Standards Committee X9, Incorporated -- Financial Industry Standard, Annapolis,
Maryland.
Codes and Structure

Uniform Type Codes
Balance and transaction reporting transmissions include data describing hundreds
of different types of account activity, ranging from electronic funds transfer
transactions to lockbox deposits. Each transaction, summary or balance
classification has been assigned a uniform type code, also known as a BAI code
for BAI2- formatted files. The type code uniquely identifies the type of activity or
balance being reported. Within BAI2, type codes are three-digit numbers used to
identify the types of data reported. Codes are Status, Summary or Detail. General
usage rules are as follows:
Account Status: These codes
describe the status of the account (for example,

ledger balance, available balance and float position).
Activity Summary:
Transaction Detail:
These codes summarize account credit and debit activity

(for example, total lockbox credits or total money transfer debits).
These codes detail individual credits and debits (for
example, individual lockbox deposit or foreign exchange debit).
File Structure
The BAI2 file format is an industry standard and Bank of America Merrill Lynch
supports this format for both prior and current day information reporting. Many
Enterprise Resource Planning (ERP) and Treasury Management System (TMS)
applications can be configured to automatically upload BAI2 and BAI2a files for
automated account reconciliation. You should consult your ERP or TMS vendor
for information specific to your application.
To simplify processing, balance reporting files are divided into envelopes of
data.
These envelopes organize data at the following levels:
Account
Group
File
Account
The first level of organization is the account. An account envelope includes
balance and transaction data for each individual account.
Example:
Account #1256793 at Bank of America Merrill Lynch
Group
The next level of organization is the group. A group includes one or more account
envelopes, all of which represent accounts at the same financial institution, with
the same routing number, Bank ID, or SWIFT BIC code. All information in a
group is for the same date and time.
Several accounts from Bank of America Merrill Lynch that share the IL
ABA/routing number 071000039, same-day information as of 9:00 AM.
Example:
File
Groups are combined into files for transmission. Each file may contain multiple
groups representing various account routing numbers or Bank IDs. Files may also
contain multiple group envelopes that represent different As-of-Dates and Times.
Intermediaries may combine groups from several different source files into a new
file for transmission. For example, Bank of America Merrill Lynch may combine
reports from several correspondent banks, as part of a multi-bank reporting
arrangement, into a single file for transmission to XYZ Company.
Example 1:
A file from Bank of America Merrill Lynch could contain the following groups:
Account(s) from Bank of America Merrill Lynch that are domiciled in IL with
the ABA/routing number 071000039, same-day information as of 9:00 AM.
Additional account(s) from Bank of America Merrill Lynch that are domiciled
in TX with the ABA/routing number 111000012, same-day information as of
9:00 AM.
Record Descriptions and Layout

Record
Type
Description
Location
Use Cases
01
File Header
Begins File
Identifies the sender and receiver of the transmission and

describes the structure of the file
02
Group
Header
Begins
Group
Identifies a group of accounts that are from the same

routing number or Bank ID and includes the same as-of-date
and as-of time
03
Account
Begins
Identifier and Account
Summary
Status
Identifies the account number and reports activity summary

and account status information. Summary information may
be accompanied by an item count
Record
Type
Description
Location
Use Cases
16
Transaction
Detail
Within
Account
Used for transmission of detail transaction information.

Transaction detail may include float distribution, bank and
customer reference numbers.
88
Additional
Transaction
Data
Follows 03,
16, or 88
record
Used when data exceeds the maximum physical record

length, or whenever it is desirable to continue data into an
additional record. It may follow any record type, including
another continuation (88) record.
49
Account
Trailer
Ends
Account
Provides account control totals.
98
Group
Trailer
Ends Group
Provides group control totals.
99
File Trailer
Ends File
Provides file control totals
Example:
01,INFIMPIL,071000039,120327,1559,67,110,1,2/
02,071000039,071000039,1,120326,2359,,2/
03,9999999999,USD/
88,040,000000000000000,,Z/
16,165,000000000376805,S,000000000376805,000000000000000,0000000000000
00,86004202786,000000000000/
88,BANK OF AMERICA DES:DEPOSIT ID:317774770887
88,INDN:ABC CORP
CO ID:1234567890 CCD
49,000000000376805,000006/
98,000000000376805,000001,000008/
99,000000000376805,000001,000010/
Begins File
File (01)
Group 1 Header (02)
Begins First Group
Account 1 Identifier (03)
First Account
1st Transaction detail (16)
First Transaction Detail
)Continuation record (88)
Continuation Record
2nd Transaction detail (16)
Second Transaction Detail

)
Account 1 Trailer (49)
Ends First Account
Second Account
Third Transaction Detail

Continuation Record
End Second Account
Group 1 Trailer (98)
End First Group
Group 2 Header (02)
Begin Second Group
Third Account Identifier
Fourth Transaction Detail

Continuation Record
End Third Account
Group 2 Trailer (98)
End Second Group
File (99)
Ends File
Record Characteristics
BAI Cash Management Balance Reporting Specifications define a format for data
within files and records.
Physical Records and Logical Records

The specifications refer to both physical and logical records, which are defined
here to avoid confusion.
Physical Record:
A group of contiguous characters occupying a specific number
of characters.
The group of characters within a physical record that convey
meaningful, related data. The logical record includes the record code, other codes
defined by the format, all data, field delimiters and text.
Logical Record:
If the file header specifies a physical record length of 80 characters but

only 65 characters are required to describe a transaction detail in the correct
format, then the following conditions are true:
Example:
The physical record occupies characters 1 through 80.
The logical record occupies characters 1 through 65.
Characters 66 through 80 are part of the physical record but not part of the
logical record. Characters in these positions are meaningless and should be
disregarded.
Fixed and Variable Length Records

Balance reporting physical records may be of fixed length or of variable length.
The Physical
Record Length field in the File Header (01) record specifies number of
characters in fixed length records. If the Physical Record Length field is
defaulted, the file contains variable length records. Bank of America Merrill
Lynch will use variable length records with a maximum record length as defined
in the File Header (01) record.
Free Format Fields/Field Delimiters

The specification employs free-format fields within records. Free-format fields
allow more flexibility than fixed fields for reporting diverse cash management
data.
Fields within records are delimited by a comma ,.

The end of a record that does not include text is indicated by the delimiter
slash /.
The delimiter slash / indicates the end of a record that does not include text. It
also indicates the end of the last field within the record. A comma may not be
used to mark the end of the last field. A comma followed by a slash is used to
indicate a defaulted field at the end of the record.
Some fields within records are optional. If an optional field is defaulted or left
unspecified, this must be indicated by adjacent delimiters ,, or ,/. Optional
fields at the end of a record cannot be left off but must be indicated by adjacent
delimiters.
A comma , and a slash / are used as field/record delimiters, so neither can be
included in any field except Text. Text may include comma , or slash / but
may not begin with comma , or slash /.
End of Record
The end of a logical record that does not contain text is indicated by the delimiter
slash /.
Example:
01,INFIMPIL,071000039,120327,1559,67,110,1,2/
The last field in the type 16 Transaction Detail record is Text then this begins
the 88 record. The 16 record line will terminate with a slash /, not a commaslash ,/ . The 88 record will begin with a comma and will be followed by text.
The text must not begin with slash /, but may contain comma , or slash /
after the first text character. Therefore, the end of a record ending in text cannot
be delimited using these characters. Instead, the logical record continues until
another record that is not a continuation (i.e., 88) record begins.
Example:
16,481,000000300000000,Z,04740011763 ,0000000000/
88,PRIN-DEBIT LOAN: 00172374 009275771 0001980988
If a type 16 record does not include text, the text field is defaulted, as indicated by
the adjacent delimiters ,/.
Example:
16,581,000000002002095,Z,01234567890
,0011223344,/
Record Formats
01 - File Header
The file header marks the beginning of a file. It identifies the sender and the
receiver of the transmission, and it describes the structure of the file. All fields are
required except those labeled optional.
Field
Name
Description
Record Code
01
Sender ID
Bank of America Merrill Lynch will populate a sender ID based upon the
originating data source.
Typical Sender IDs for Host-to-Host transmissions will be:
INFORMCD for Current Day files
INFIMXYY where X represents an identifier and YY represents a state
abbreviation for Prior day files
INFIDXXD where XX represents an identifier for multibank data
exchange
Receiver ID
Bank of America Merrill Lynch will populate an ABA/routing number from

the file.
In cases of a null file, 061000052 or 111000012 will be used.
File Creation
Date
YYMMDD format for the creation of the file. Standard time zone is CST.
File Creation
Time
Times are stated in military format (0000 through 2400). 0000 indicates the
beginning of the day and 2400 indicates the end of the day for the date
indicated. Standard time zone is CST.
File ID Number
Identification number defined by the sender which will be unique within a

given day.
Bank of America Merrill Lynch uses a random number, two (2) characters
in length
Physical Record
Length
Number of physical records in a block. Default is variable block size.

Bank of America Merrill Lynch will always populate a value if 110 for
Host-to-Host files
Block Size
Number of physical records in a block. Default is variable block size.

Bank of America Merrill Lynch will always populate a value if 1 for Hostto-Host files
BAI Version
Version number
Bank of America Merrill Lynch will always populate a value if 2 for Hostto-Host files
Sample 01 Record File Header

01,INFIMPIL,071000039,120327,1559,67,110,1,2/
In the above example:

Field
Data
Description
01
The File Header Record Code is always 01
INFIMPIL
The Sender ID is INFIMPIL, where P is an identifier for previous day

and IL is the state abbreviation
071000039
The Receiver ID is the Bank of America Merrill Lynch Illinois routing

number 071000039
120327
The date of the file is as of March 27, 2012
1559
The file was created as of 1559 (3:59 pm) Central Time
67
File ID Number Randomly generated number
110
The Physical Record Length is 110
The Block Size is 1
The file is in Version (2) of the Specifications. The slash (/) indicates
that the preceding character was the last significant character in this
physical record.
02 - Group Header
The group header identifies a group of accounts, all of which are from the same
originator and include the same As-of-Date. All fields are required except those
labeled optional.
Field
Name
Description
Record Code
02
Receiver ID
Bank of America Merrill Lynch populates a 9-digit ABA/routing

number
Originator ID
Bank of America Merrill Lynch populates a 9-digit ABA/routing

number.
The ABA/routing number populated will be the routing number
associated with the 03 records that immediately follow each 02 record
Group Status
Bank of America Merrill Lynch will always populate a value of 1 for

Host-to-Host files.
As-of Date
YYMMDD format; sender date. Standard time zone is CST.
Field
Name
Description
As-of Time
Times are stated in military format (0000 through 2400). 0000 indicates
the beginning of the day and 2400 indicates the end of the day for the
date indicated. Standard time zone is CST.
Currency Code
Bank of America Merrill Lynch leaves it blank (identified by a comma

,). Currency code is populated in the Account (03) Record.
As-of Date
Modifier
Indicates final prior day or interim current day data.

Will be populated as follows:
2 = final prior day data
3 = interim current day data
Sample 02 Record Group Header

02,071000039,071000039,1,120326,2359,,2/
Field
Data
Description
02
The Group Header Record Code is always 02.
071000039
IL ABA/routing number indicates the following 03 account records will

have accounts domiciled in IL.
071000039
IL ABA/routing number indicates the following 03 account records will

have accounts domiciled in IL.
The Group Status will always be 1.
120326
The data is as-of-March 26, 2012.
2359
The data is as of 11:59 pm (2359).
,,
The optional group currency code field is defaulted as indicated by the

adjacent delimiters (,,) and therefore is USD (US dollars).
The information provided is prior day data.
10
03 - Account Identifier and Summary Status

This record identifies the account number and reports summary and status
information. Summary information may be accompanied by an item count and
funds availability distribution. An 03 record must be used to identify each
account. All fields are required except those labeled optional. 03 records cannot
report transaction detail. Detail is reported in record 16.
Field
Name
Description
Record Code
03
Customer
Account
Number
Customer account number at originator financial institution. The field is

alphanumeric and includes significant leading zeroes. Must not contain a
comma , or slash /.
IDS = 10 digits including leading zeros
IMPACS = 12 digits including leading zeros
US Data Exchange (Multibank) as provided by the third party bank
Currency Code
ISO standard currency codes, where applicable the bank will always
provide a currency code.
Type Code
Identifies the type of summary or status data. See Appendix A for Type
Codes. Balance and summary information is optional during client setup.
If balance and summary information is suppressed neither the Type code
nor following fields will be present.
Amount
Value is expressed without a decimal. Currency code in the Group Header

record or in an Account Identifier record determines implied decimal.
Status codes will have negative sign as applicable.
By default, the Amount field in a BAI2 file displays two implied decimal
places. However, different currencies have different implied decimal
places. Please reference Appendix E Currency Code Implied Decimal
Places for additional details.
Item Count
Integer field. Default is unknown. For summary type codes only; must
be defaulted for Status type codes. No implied decimal.
Funds Type
Bank of America Merrill Lynch supports multiple fund types based upon
account platform and currency.
Transactions originated from US based accounts will display funds type
values of S or Z.
Z = availability unknown
S = availability distributed. The next three fields are:
1) immediate availability
2) one day availability
3) 2+ availability
11
Notes:
Fields 4 through 7 are repeated for each Status and Summary code available for the
account.
Type 03 records may report several different status and/or summary amounts for the
same account. For example, a single 03 record might report ledger balance and
available balance, as well as the amount, item count and funds type for total credits
and total debits. The Type Code, Amount, Item Count and Funds Type fields
are repeated to identify each status or summary type. See Appendix A for Type
Codes.
Type 03 records allow the reporting of item counts and funds availability for
summary data only. Status availability is reported by individual type codes (e.g., type
code 072, one-day float). The Item Count and Funds Type fields following a
status amount should be defaulted by adjacent delimiters.
An 03 record must include an account number but might not include status or
summary data. For example, an 03 record would not report status or summary data if
it is used only to identify the account number for Transaction Detail (16) records that
follow. In this case, the account number would be followed by five commas and a
slash ,,,,,/ to delimit the Currency Code, Type Code, Amount, Item Count and
Funds Type fields, which are defaulted.
Sample 03 Record Account Identifier and Summary Status

03,9999999999,USD/
88,040,000000000050000,,Z/
88,100,000000000100000,0000001,S,000000000100000,0000000000
00000,000000000000000/
Field
Data
Description
03
The Record Code for the Account Identifier and Summary Status
record is always 03.
9999999999
The customer account number is 9999999999.
USD
The currency of the account is USD.
040
The type code 040 indicates the Opening Available Balance.
50000
The amount for type code (040) is $500.00.
,,
The Item Count and Funds Type fields are defaulted to unknown as
indicated by adjacent delimiters (,,,).
Z indicates that there is no float distribution.
100
The type code 100 indicates Total Credits.
100000
The amount for type code (100) is $1,000.00.
12
Field
Data
Description
One (1) transaction detail item makes up this summary code.
S indicates that additional float distribution fields will follow.
Funds
Availability
100000
The amount immediately available is $1,000.00
The availability is one (1) day is $0.
The availability is 2+ days is $0.
16 - Transaction Detail
The 16 Record details individual credits and debits (for example, an individual
lockbox deposit or foreign exchange debit) which may only be used in the 16
record. Detail amounts are always positive or unsigned. An account file may
contain several Transaction Details with the same type code for a given As-ofDate.
Field
Name
Description
Record Code
16
Type Code
Identifies the type of detail data.

See Appendix B: Bank Standard BAI2 Codes.
Amount
Value is expressed without a decimal. Currency code in the Group

Header record or in an Account Identifier record determines implied
decimal.
For original payments data, to get your amount, divide value by one
hundred (100).
Funds Type
Bank of America Merrill Lynch supports multiple fund types based

upon account platform and currency.
Transactions originated from US based accounts will display funds type
values of S or Z.
Z = availability unknown
S = availability distributed. The next three fields are:
1) immediate availability
2) one day availability
3) 2+ availability
Bank
Reference
Bank-assigned reference number, when available, to help identify the

transaction.
13
Field
Name
Description
Customer
Reference
This field contains information that may have been provided by the
customer with the transaction or by the bank in some cases e.g., paid
check number, lockbox number, and deposit slip number.
Text Field
If applicable, this field contains additional text provided by the

processing application. This may include additional information
provided with the transaction or by the bank e.g., wire originator,
exchange rates, additional remittance..
Notes:
Only one detail transaction may be reported by each Type 16 record. Record 16
cannot report status or summary amounts. Status and summary amounts are reported
in record 03.
Transaction Detail records report activity in accounts identified by 03 records. All

Type 16 records following an 03 record refer to the account identified in the
Customer Account Number field. (See Record Type 03.)
Sample 16 Record Transaction Detail

16,349,000000689189266,Z,931610090000321,000000000000/
88,SWEEP-PRINCIPAL CREDIT
Field
Data
Description
16
The Record code (Detail Record) is always 16
349
The type code 349 indicates a Sweep Principal Credit
1500000
Amount for type code (349) is $6,891,892.66
Z indicates there is no float distribution.
931610090000321
The bank Bank Reference Number is 931610090000321
000000000000
There is no customer reference number for type code (349), zero

filled.
SWEEP-PRINCIPAL
CREDIT
The text provided by the bank is SWEEP-PRINCIPAL CREDIT.
Note.
The remainder of the field is blank filled if fixed length records are used, and the
text field is delimited by the fact that the next record is not 88.
14
88 - Additional Transaction Data

Record 88 is a continuation record. If the data in any type of record exceeds the
physical record size or if dividing the record is desirable for any other reason, an
88 record allows the data to continue in the same format. The continuation is
labeled as a type 88 record. An 88 record may follow an 03, 16, or other 88
record. Any record type may be continued by an 88 record. A field may not be
split across physical records unless that field is a text field.
Field
Description
Contents
Record Code
88
(Next Field)
A continuation of the preceding record. If a record contains numerous fields

and exceeds the physical record length, the 88 records will continue with the
next field. If a non-text field is started in one record, it must be completed in
that record.
If the preceding record ended with a text field, the text would continue in the
next 88 record.
Sample 88 Record Additional Transaction Details

16,661,000000000163634,Z,08790000701 ,0000000000/
88,ANALYSIS CHARGE FEBRUARY BILLING FOR
88, DETAIL 12345-80995
Field
Data
Description
88
The Record Code for additional transactional data is 88
ANALYSIS CHARGE
FEBRUARY BILLING
FOR
DETAIL 1234580995
The continuation data is populated on additional lines as required.

Each additional line must start with an 88 indicating a new
continuation record.
15
49 - Account Trailer
The Account Trailer record provides account level control totals. All fields are
required.
Field
Description
Contents
Record Code
49
There must be one 49 record for each account (03) record. The 49 record
indicates the end of the account.
Account
Control Total
Algebraic sum of all Amount fields in the preceding type 03 record and all
type 16 and 88 records associated with that account. The total does not
include amounts reported in Funds Type or Item Count fields. This field
includes the sign + or - for the total. If no sign precedes the total, the
default is positive.
Number of
Records
The total number of records in the account, including the 03 record and all
16 and 88 records, and including this account trailer 49 record.
Sample 49 Record Account Trailer

49,000000000376805,000006/
Field
1
2
Data
49
000000000376805
000006
Description
The Record Code for Account Trailer is always 49.

The Account Trailer record contains the account control total (376805),
which is the sum of Amounts in all records back to and including the
preceding 03 record. The account control total does not include
amounts in Funds Type fields.
The number of records (6) includes the account (03) record, detail (16)
records, continuation (88) records, and this account trailer (49) record.
16
98 - Group Trailer
The Group Trailer record provides group level control totals. All fields are
required.
Field
Description
Contents
Record Code
98
There must be one 98 record per group (02) record. The 98 record indicates
the end of the group.
Group Control
Total
Algebraic sum of all account control totals in this group. This field includes
the sign + or - for the total. If no sign precedes the total, the default is
positive.
Number of
Accounts
Number of accounts in the account (03) records in this group.
Number of
Records
The total number of all records in this group. Includes the 02, all 03, 16, 49,
and 88 records and this 98 record.
Sample 98 Record Group Trailer

98,000000000376805,000001,000008/
Field
Data
Description
98
The Record Code for Group Trailer is always 98.
000000000376805 This Group Trailer record contains the group control total (376805), which is
the algebraic sum of all account control totals in this group.
000001
The number of accounts in this group is one (1).
000008
The number of records (8) includes the group (02) record, account (03) record,
detail (16) records, continuation (88) records, account trailer (49) record, and
this group (98) trailer record.
17
99 File Trailer
The File Trailer record provides file level control totals. All fields are required.
Field
Description
Contents
Record Code
99
There must be one 99 record for each file (01) record. The 99 record
indicates the end of the logical file.
File Control Total
Algebraic sum of all group control totals in this file. This field includes
the sign + or - for the total. If no sign precedes the total, the default
is positive.
Number of Groups
Number of group (02) records in this file.
Number of Records
The total number of all records in this file. Includes the 01, 02, 03, 16,
49, and 88 records and this 99 record.
Sample 99 Record File Trailer

99,000000000376805,000001,000010/
Field
Data
Description
99
The Record Code for File Trailer is always 99.
000000000376805
The File Trailer record contains the file control total (376805) which is
the algebraic sum of all group control totals for this file.
000001
The number of groups (1) is the number of 02 records in this file.
000010
The number of records (10) includes the file (01) record, group (02)
record, account (03) record, detail (16) records, continuation (88)
records, account trailer (49) record, group (98) trailer record, and this file
(99) trailer record.
18
Appendix A: Type Codes

The following table indicates the ranges of three-digit numbers used for status, summary and
detail type codes:
Type Code
Description
001 - 099
Account status type codes
100
Total Credits summary type code
101-399
Credit summary and detail type codes
400
Total Debits summary type codes
401-699
Debit summary and detail type codes
700-999
Customized/Proprietary Type Codes
Type Code for Non-Monetary Information

Type Code 890 has been established to transmit information not associated with
an Account Status, Summary amounts or Transactions. Type Code 890 is neither
a debit nor a credit. It is a Detail type code and is used in Type 16 Transaction
Detail records. The Text field in a Type 16 record with an 890 Type Code
contains the non-monetary information. The Amount and Funds Type fields
should be defaulted and the Bank Reference Number and Customer Reference
Number may be either used as part of the message or defaulted. An example of
such a message is illustrated below:
16,890,,,,,detail reports will be delayed until 11:00 AM.
Customized/Proprietary Type Codes

Bank of America Merrill Lynch uses customized/proprietary type BAI codes for a
number of products to provide additional detail beyond what is offered in the
uniform code set. The products most commonly associated with proprietary type
BAI codes are zero balance accounts, controlled disbursement accounts,
Investment Sweeps, and the various account specific settings associated with
those products.
19
Appendix B: Bank Standard BAI2 Codes

Each BAI2 Code has a different meaning on an Information Reporting file. Below
are the most common BAI2 codes and use cases (scenarios) that clients generally
see in their information reporting files.
BAI2
Code
Description
Use Case
115
LOCKBOX DEPOSIT
A check or draft is received into a Lockbox account.
164
CORPORATE TRADE
PAYMENT CREDIT
A posted Corporate Trade Exchange (CTX) ACH Credit

transaction with up to 9,999 addenda. Addenda is
available through receivables reporting solutions
165
PREAUTHORIZED ACH
CREDIT
A posted Cash Concentration and Disbursement (CCD)

ACH credit, with 0 or 1 addenda, or settlement of a
received International ACH Transaction (IAT).
166
ACH SETTLEMENT CREDIT
A credit entry to offset ACH debit activity originated

through Bank of America Merrill Lynch.
191
INCOMING INTERNAL MONEY

TRANSFER
An incoming wire received from another account held at

Bank of America.
195
INCOMING MONEY TRANSFER

CREDIT
An incoming domestic wire.
201
ACCOUNT TRANSFER
An Account Transfer initiated via the Account Transfer

(AT) application. This is a DDA account transfer that does
not use the Wire room.
208
WIRE IN-INTERNATIONAL
An incoming international wire.
255
CHECK POSTED AND

RETURNED CREDIT
Used when utilizing the Positive Pay service. BAML

presents the item as an exception and a decision is made to
return the item.
257
INDIVIDUAL ACH RETURN

ITEM CR
A credit entry to offset ACH credit activity originated

through Bank of America Merrill Lynch, then returned by
the Receiving Depository Financial Institution.
275
ZERO BALANCE TRANSFER
Appears when the total of the ZBA account transfer is a

credit.
301
(STATE LOCATION, OR QUICK

DEPOSIT) VAULT DEPOSIT
Banking Center Deposits and/or Item Processing for Cash,

Check, or Cash and Check.
Cash Vault Deposits for Cash, Check, or Cash and Check.
A FX Check or Draft deposit to a US IDS account.
20
BAI2
Code
Description
Use Case
54
INTEREST CREDIT
A credit to a US IDS account for interest, such as interest

on an investment or from an MMDA account.
395
CHECK REVERSAL CREDIT
An adjustment made to the amount of a posted check due

to, for example, an encoding error by the bank of first
deposit.
399
MISCELLANEOUS CREDIT
A credit to an US IDS account for various items including

ARP adjustments and foreign currency purchases.
447
ACH PREFUNDING
SETTLEMENT DEBIT
A debit entry to offset ACH credit activity originated

through Bank of America Merrill Lynch. This transaction
type is if you are set up on the ACH prefund service.
455
PREAUTHORIZED ACH DEBIT
A posted Cash Concentration and Disbursement (CCD)

ACH debit with 0 or 1 addenda, or settlement of an
originated International ACH Transaction (IAT) credit.
464
CORPORATE TRADE
PAYMENT DEBIT
A posted Corporate Trade Exchange (CTX) ACH Debit

transaction with up to 9,999 addenda. Addenda is
available through other reporting solutions
466
ACH SETTLEMENT DEBIT
A debit entry to offset ACH credit activity originated

through Bank of America Merrill Lynch.
475
Check
A general / controlled disbursement check or an account

check is used to purchase a Cashier's checks.
491
OUTGOING INTERNL MONEY

TRNSFR/ WIRE BOOK
TRANSFER
An outgoing electronically initiated wire being sent to

another account held at Bank of America Merrill Lynch
495
OUTGOING MONEY
TRANSFER DEBIT
An outgoing electronically initiated wire being sent to

another account held at Bank of America Merrill Lynch.
501
INDIVIDUAL AUTO TRANSFER
An Account Transfer initiated via the Account Transfer

(AT) application. This is a DDA account transfer that is
not processed by the Wire room.
21
BAI2
Code
Description
Use Case
508
INTERNATIONAL MONEY
TRANSFER DEBIT
A US dollar outgoing, electronically initiated, international

wire being sent to a beneficiary at a bank outside the U.S.
or
A foreign currency outgoing, electronically initiated,
international wire being sent to a beneficiary at a bank
outside the U.S.
or
An electronically, customer initiated USD draft going to a
beneficiary at another bank outside of the US.
or
An electronically, customer initiated foreign currency draft
going to a beneficiary at another bank outside of the US.
555
DEPOSITED ITEM RETURN

DEBIT
A deposited check that has been returned by the issuer

bank.
557
INDIVIDUAL ACH RETURN

ITEM DEBIT
A debit entry to offset ACH debit return(s) which were

originated through Bank of America Merrill Lynch.
575
ZBA TRANSFER DEBIT
Appears when the total of the ZBA account transfer is a

debit.
581
CONTROL DISBURSEMENT
A controlled disbursement check.
661
ACCOUNT ANALYSIS FEE

DEBIT
A Bank service charge to the account analysis statement.
698
MISCELLANEOUS FEE DR
Fees associated with Bank activities such as check book

printing, deposit bag charges, check deposit slips, and
supplier order fees.
738
CDA2000 FUNDING DEBIT
Debit of the master funding account for the total amount of

the controlled disbursement items that will be posted.
739
CDA2000 FUNDING CREDIT
Credit of the controlled disbursement account from the

master funding account.
22
Appendix C: Bank BAI2 Code Examples

Below are examples transactions for some of the most common BAI codes.
BAI2
Code
Example
115
16,115,000000010999491,S,000000000000000,000000000000000,000000010999491,00052624500 ,0012271000,/
164
16,164,000000014959757,S,000000014959757,000000000000000,000000000000000,79010378534 ,0000000000/
88,ABC CORPORATE DES:CORP. PAY ID:002028801
88, INDN:00071676-01
CO ID:1234567890 CTX
88, ADDITIONAL INFORMATION IS AVAILABLE FOR THIS PMT.
88, CONTACT A TREASURY SALES OFFICER FOR ASSISTANCE.
165
16,165,000000054305510,S,000000054305510,000000000000000,000000000000000,84007933534 ,0000000000/
88,ABC CORPORATE DES:PAYMENTS ID:2000031645
88, INDN:BHP Billiton Marketing CO ID:1234567890 CCD
88, PMT INFO:NTE*ZZZ*Refer to Payment Advice sent via
88, e-mail to:AR@ABC.com-
166
16,166,000000013721762,S,000000013721762,000000000000000,000000000000000,84006526917 ,0000000000/
88,ABC CORPORATE DES:FRM101111W FL# 11284001507
88, INDN:SETT-BATCH 3359480475 CO ID:1234567890 CCD
88, BATCH DESC:59658
191
16,191,000000027548418,S,000000027548418,000000000000000,000000000000000,00370389553 ,0000000000/
88,WIRE TYPE:BOOK IN DATE:111011 TIME:1644 ET
88,TRN:2011101123456789 SNDR REF:12345678
88,ORIG:ABC CORPORATE ID:002872869668 PMT DET:B
88, INVOICE 0920279703
195
16,195,000000047580112,S,000000047580112,000000000000000,000000000000000,00370214989 ,0000000000/
88,WIRE TYPE:WIRE IN DATE: 111011 TIME:0835 ET
88,TRN:2011101123456789 SEQ:2011101100004051/000253
88,ORIGABC CORPORATE ID:12345678909SND BK:RBS CI
88,TIZ ID:011500120 PMT DET:0000000004222573
88,STEELS INV# 0920279202
201
16,201,000000000500000,S,000000000500000,000000000000000,000000000000000,00680007116 ,0008756630/
88,ACCOUNT TRANSFER TRSF FROM 423456778
208
16,208,000000009300000,S,000000009300000,000000000000000,000000000000000,00370071182 ,0000000000/
88,WIRE TYPE:INTL IN DATE:111012 TIME:0555 ET
88,TRN:2011101200071182 SNDR REF:6008285LCM020001
88,ORIG: ABC CORPORATE ID:31609053 ORIG BK: BANK OF AMER
88,ABC NA ID:BOFAGB22 PMT DET:NO.920261392/30.3.2011
255
16,255,000000001000000,S,000000001000000,000000000000000,000000000000000,00090001565 ,4280041773/
88,ARP RETURNED CHECK
88,REFER TO MAKER
88,CHECK # 4280041773
23
BAI2
Code
Example
88,PAID DATE 10/05/11
257
16,257,000000000251875,S,000000000251875,000000000000000,000000000000000,84002558855 ,0000000000/
88,ABC CORPORATE DES:RETURN ID:1567
88, INDN:SETT-ACH DETAIL RETURN CO ID: 1234567890 CCD
275
16,275,000000014032350,S,000000014032350,000000000000000,000000000000000,00722001324 ,0000000000/
88,CUR FR 3751870586
301
16,301,000000000369443,S,000000000369443,000000000000000,000000000000000,00722282203 ,0000000000/
88,CUR FR 1235313540
88, VAULT DEPOSIT
351
16,351,000000062824631,Z,931610070000031,000000000000/
88,TRANSFER FROM INVESTMENT
354
16,354,000000000006595,S,000000000006595,000000000000000,000000000000000,09840000043 ,0000000000/
88,INTEREST PAID ON 31 DAYS
88,AVERAGE COLLECTED BALANCE OF $517 685.37
395
16,395,000000000001005,S,000000000001005,000000000000000,000000000000000,04500070329 ,0007410330/
88,ENCODING ADJUSTMENT FOR POSTING DATE OF
88,10/6/2011 W CK# 123456
88,FDES NCA 0004007 NBK1111
399
16,399,000000000000000,S,000000000000000,000000000074636,000000000004764,00722172805 ,0000000000/
88,CUR TO 1235452367
455
16,455,000000000068122,Z,01008648155 ,0000000000/
88,New York State DES:1817084296 ID:NY11MT000337708
88, INDN ABC CORPORATE CO ID:1234567890 CCD
88, REF:00123549365512110825001130100864815511103127
464
16,464,000000002610218,Z,902305008930673,000000000000/
88,ABC CORPORATE DES:EDI PAYMTS ID:CF0001366321
88, INDN: AMERICA CO ID:1362739571 CTX
88, ADDITIONAL INFORMATION IS AVAILABLE FOR THIS PMT.
88, CONTACT A TREASURY SALES OFFICER FOR ASSISTANCE.
466
16,466,000000002328524,Z,85008837654 ,0000000000/
88, ABC CORPORATE DES: 5544332211FL# 11285000212
88, INDN:SETT-BATCH 1331002431 CO ID: 1234567890 CCD
475
16,475,000000001616792,Z,09292160638 ,0000401100,/
491
16,491,000000000659286,Z,01234567890 ,0000000000/
88,WIRE TYPE:BOOK OUT DATE:111013 TIME:0530 ET
88,TRN: 2012567890123456 RELATED REF:1500000545
88,BNF:WEST CHARLOTTE C ID: 5544332211
88,PMT DET:No.80H2011 05/14.9.2011
24
BAI2
Code
Example
495
16,495,000000121398270,Z, 01234567890 ,0000000000/

88,WIRE TYPE:WIRE OUT DATE:111031 TIME:1243 ET
88,TRN: 2012567890123456 SERVICE REF:009190
88,BNF:GECAM COMM. SVCING CLEARIN ID:50256485 BNF BK:
88, ABC BANK CO. ID:021001033 PMT DET:20303
88,138 /RFB/DAILY CLEARING - DAT A GECLS
501
16,501,000000000500000,Z,00680007132 ,0008756630/
88,ACCOUNT TRANSFER TRSF TO 12345678568
16,508,000000007951608,Z, 01234567890 ,0000000000/
88,WIRE TYPE:FX OUT DATE:111013 TIME:1525 ET
88,TRN: 2012567890123456 FX:GBP 50400.00 1.5777
88,BNF:ABC CORPORATE ID:GB73NWBK60600000
88,BNF BK:NATIONAL BANK BA ID:NWBKGB2111F
88,PMT DET:1500000539 No.11059/30.6.2011 No.11038/30.
508
16,508,000000000150000,Z, 01234567890,000000000000/
88,WIRE TYPE:INTL OUT DATE:110908 TIME:1622 ET
88,TRN: 2012567890123456 SERVICE REF:699231
88,BNF:ABC CORPORATE BANK ID:03031-22 BNF BK:
88,HSBC BK - BAN ID:BCBBBRPR PMT DET:357292
88,19 INV06/2011
555
16,555,000000000009000,Z,941610313582718,000000000000/
88,RETURN ITEM CHARGEBACK
557
16,557,000000120046632,Z,80008949430 ,0000000000/
88, ABC CORPORATE DES:RETURN ID:BATCH NAME
88, INDN:SETT-ACH DETAIL RETURN CO ID: 1234567890 CCD
575
16,575,000000000241600,Z,081310282000000,898008551925/
88,ZBA TRANSFER TO 12345678909
581
16,581,000000000017583,Z,05992863508 ,0000082572,/
661
16,661,000000000419601,Z,08790016367 ,0000000000/
88,ANALYSIS CHARGE SEPTEMBER BILLING FOR
88, SUBSIDIARY12345678
698
16,698,000000000008361,Z,09820000005 ,0000000000/
88,SUPPLY ORDER FEE
738
16,738,000000003478062,Z,06600001044 ,0000070518/
88,CT CTRL DIS 000000070518 DR
739
16,739,000000000007787,S,000000000007787,000000000000000,000000000000000,06600001041 ,0000070280/
88,CT CTRL DIS 000000070280 CR
25
Below is an example of a BAI 2 file that has been opened in a text editor.
01,INFIMPTX,111000025,091010,0328,88,110,1,2/
02,111000025,111000025,1,091009,0328,,2/
03,001234511111,USD/
88,010,000003575825644,,/
88,015,000003576362935,,/
88,040,000003576362935,,/
88,045,000003575825635,,/
88,072,000000000537300,,/
88,074,000000000000000,,/
88,400,000000000000000,0000000,/
88,100,000000000000000,0000000,S,000000000000000,000000000000000,000000000000000/
49,000014304914449,000010/
03,001234522222,USD/
88,010,000000022317100,,/
88,015,000000019109900,,/
88,040,000000009206700,,/
88,045,000000005000000,,/
88,072,000000004206700,,/
88,074,000000009903200,,/
88,400,000000012119335,0000006,/
88,100,000000704263888,0000007,S,000000000000000,000000000000000,000000000000000/
16,165,000000001855950,Z,902582005019691,000000000000/
88,BANKCARD DES:MERCH SETL ID:444444840087115
88, INDN:ABC GENERIC COMPANY CO ID:5550005555 CCD
16,165,000000000531800,Z,902581011564424,000000000000/
88,AMERICAN EXPRESS DES:SETTLEMENT ID:1424928828
16,165,000000000082500,Z,902581011613786,000000000000/
88,DISCOVER NETWORK DES:SETTLEMENT ID:601101316553252
16,275,000000009809568,Z,081310092000000,488422222111/
88,ZBA TRANSFER FROM 488422222111
16,275,000000001546429,Z,081310092000000,488088888999/
16,275,000000001248375,Z,081310092000000,488055555444/
16,349,000000689189266,Z,931610090000321,000000000000/
88,SWEEP-PRINCIPAL CREDIT
16,455,000000000011966,Z,902581011559968,000000000000/
88,AMERICAN EXPRESS DES:AXP DISCNT ID:1477887728
16,508,000000002400000,Z,903710090168406,000000000000/
88,WIRE TYPE:INTL OUT DATE:091009 TIME:1322 ET
88,TRN:2012100900168406 SERVICE REF:299629
88,BNF:ABC GENERIC COMPAN ID:IT74C03124032020 BNF BK:
88,BANCA DEL FUCINO ID:BOHFIHEJFOSHLFHW PMT DET:12345
88,678 ADDITIONAL TEXT FOR REMITANCE
16,575,000000001063300,Z,081310092000000,488022334455/
16,575,000000000005802,Z,081310092000000,488099887744/
16,575,000000006125000,Z,081310092000000,488055449966/
26

16,738,000000002513267,Z,943010090000995,003299555444/
88,GA CTRL DIS 003299555444 DR
49,000002893226052,000044/
98,000017198140501,000002,000054/
02,082000073,082000073,1,091009,0227,,2/
03,111234533333,USD/
88,010,000000061389386,,/
88,015,000000055409534,,/
88,040,000000055399534,,/
88,045,000000055389034,,/
88,072,000000000010500,,/
88,074,000000000010000,,/
88,400,000000006248600,0000004,/
88,100,000000000018234,0000003,S,000000000000000,000000000000000,000000000010000/
16,301,000000000005800,Z,813005082787159,000000012345,/
16,301,000000000002434,Z,813005082787161,000000012345,/
16,475,000000001930600,Z,813006092036193,000000001535,/
16,475,000000001545000,Z,813006092036137,000000001538,/
16,475,000000002500000,Z,813006092078931,000000001545,/
16,475,000000000273000,Z,813006092012906,000000001557,/
16,187,000000000010000,S,000000000000000,000000000000000,000000000010000,813008782718397,00000000
0001,/
49,000000240392170,000017/
98,000000240392170,000001,000019/
99,000017438532671,000002,000077/
27
Appendix D: Proprietary to Standard Code

Mapping
Bank of America Merrill Lynch accounts on the IDS platform can perform a
conversion in which bank proprietary codes are mapped to a standard code
equivalent. Accounts on the IMPACS platform do not have this standard mapping
option. Contact your Bank of America Merrill Lynch Servicing contact for
additional information.
Proprietary
BAI
Standard
BAI
Proprietary
BAI
Standard
BAI
Proprietary
BAI
Standard
BAI
Proprietary
BAI
Standard
BAI
577
701
702
706
707
708
710
711
733
734
738
739
741
742
743
744
745
746
755
781
782
831
835
840
845
848
575
142
484
249
398
549
398
698
201
357
574
274
501
501
501
501
501
501
755
244
651
275
275
275
575
575
850
851
852
853
854
855
856
857
858
868
876
877
878
879
880
881
882
884
890
895
897
898
899
901
902
904
575
275
275
275
575
275
275
275
275
575
575
575
575
575
575
575
575
575
890
575
575
275
275
201
201
301
905
906
908
909
910
911
912
915
920
937
938
939
940
941
942
943
945
946
947
948
949
951
952
953
955
956
354
354
359
659
398
399
166
915
115
172
695
174
475
477
475
475
501
506
501
501
501
531
531
567
631
651
959
960
963
964
965
966
967
968
969
970
972
973
975
976
977
979
980
983
984
985
986
987
998
999
564
481
491
491
698
698
698
698
698
698
698
477
698
698
699
699
169
171
698
698
698
484
399
699
28
Appendix E: BAI2 Code Detail to Summary

Mapping List
Below is a list of Bank of America Merrill Lynch BAI2 codes and the relevant description.
BAI Detail Code and Description
Transaction
Type
BAI Summary Code and Description
115 - Lockbox Deposit Credit

155 - Preauthorized Draft Credit
164 - Corporate Trade Payment Credit
165 - Preauthorized ACH Credit
Credit
Credit
Credit
Credit
110 - Total Lockbox Deposit Cr

390 - Total Miscellaneous Credits
140 - Total ACH Credits
166 - ACH Settlement Credit
Credit
168 - ACH Return Item Credit*
Credit
NA
171 - Individual Loan Deposit Credit
Credit
180 - Total Loan Proceed Credits
172 - Deposit Correction/Non Cash
Credit
187 - Cash Letter/Pre-Encoded Deposit Cr
Credit
186 - Total Cash Letter Credits
191 - Incoming Internal Money Transfer
Credit
190 - Total Incoming Money Transfer Cr
195 - Incoming Money Transfer Credit
Credit
201 - Individual Automatic Transfer
Credit
200 - Total Automatic Transfer Cr
208 - Individual Intl Money Transfer Cr
Credit
213 - Letter of Credit Cr
Credit
210 - Total International Credits
214 - Foreign Exchange Credit
Credit
218 - Foreign Collection Credit
Credit
229 - Misc International Credit
Credit
235 - Sweep - Principal & Interest Cr
Credit
350 - Total Sweep Credits
238 - Sweep - Dividends Credit
Credit
241 - Bankers Acceptance Credit
Credit
239 - Total Bankers Acceptance Cr
244 - Interest/Matured Principal Pmt
Credit
230 - Total Security Cr
252 - Debit Reversal
Credit
255 - Check Posted and Returned Cr
Credit
250 - Total Checks Posted & Returned Cr
257 - Individual ACH Return Item Cr
Credit
263 - Overdraft Credit
Credit
266 - Return Item Credit
Credit
250 - Total Checks Posted & Returned Cr
275 - ZBA Credit
Credit
270 - Total ZBA Credits
281 - Controlled Disbursement Cr
Credit
280 - Total Controlled Disbursing Cr
295 - ATM Credit
Credit
294 - Total ATM Credits
29
Transaction
Type
301 - Commercial Deposit Credit
Credit
310 - Total Commercial Deposit Cr
308 - Trust Credit
Credit
346 - Sweep - Interest Credit
Credit
347 - Sweep - Trans from Mutual Fund
Credit
349 - Sweep - Principal Credit
Credit
351 - Individual Investment Sold Cr
Credit
354 - Interest Credit
Credit
357 - Credit Adjustment
Credit
374 - FRB Settlement Recap Credit
Credit
395 - Check Reversal Credit
Credit
397 - Float Adjustment Credit*
Credit
073 - Total Float Adjustments
398 - Miscellaneous Fee Refund Cr
Credit
399 - Miscellaneous Credit
Credit
408 - Float Adjustment Debit*
Debit
073 - Total Float Adjustments
447 - ACH Prefund Settlement Debit
Debit
450 - Total ACH Debits
455 - Preauthorized ACH Debit
Debit
464 - Corporate Trade Payment Debit
Debit
466 - ACH Settlement Debit
Debit
468 - ACH Return Item Debit
Debit
NA
475 - Checks Paid Debit
Debit
470 - Total Checks Paid Debit
481 - Individual Loan Payment Debit
Debit
480 - Total Loan Debits
487 - Cash Letter Debit

491 - Outgoing International Money
Transfer
495 - Outgoing Money Transfer Debit
Debit
486 - Total Cash Letter Debits
Debit
490 - Total Outgoing Money Transfer Dr
Debit
501 - Individual Auto Transfer Debit
Debit
500 - Total Automatic Transfer Dr
508 Individual Intl Money Transfer Dr
Debit
513 - Letter of Credit Debit
Debit
510 - Total International Debits
514 - Foreign Exchange Debit
Debit
518 - Foreign Collection Debit
Debit
529 - Misc International Debit
Debit
531 - Securities Purchased Debit
Debit
530 - Total Security Dr
541 - Bankers Acceptance Debit
Debit
539 - Total Bankers Acceptance Dr
552 - Credit Reversal
Debit
690 - Total Miscellaneous Debits
30
Transaction
Type
555 - Deposited Item Return Debit
Debit
550 - Total Deposited Items Returned
557 - Individual ACH Return Item Dr
Debit
564 - Overdraft Fee Debit
Debit
567 - Return Item Fee Debit
Debit
566 - Electronic Return Item
Debit
550 - Total Deposited Items Returned
575 - ZBA Debit
Debit
570 - Total ZBA Debits
577 - ZBA Debit Transfer

581 - Individual Controlled Disbursement
Dr
595 - ATM Debit
Debit
Debit
Debit
594 - Total ATM Debits
631 - Debit Adjustment
Debit
633 - Trust Debit
Debit
651 - Investment Purchase Debit
Debit
650 - Total Investments Purchased Dr
654 - Interest Debit
Debit
656 - Sweep - Mutual Fund Debit
Debit
658 - Sweep - Repo/Euro Debit
Debit
661 - Account Analysis Fee Debit
Debit
666 - Currency and Coin Shipped Dr
Debit
674 - FRB Statement Recap Debit
Debit
695 - Deposit Correction Debit
Debit
698 - Miscellaneous Fee Dr
Debit
699 - Miscellaneous Debit
Debit
706 - Trading Securities Credit
Credit
230 - Total Security Cr
708 - Trading Securities Debit
Debit
530 - Total Security Dr
738 - CDA2000 Funding Debit
Debit
580 - Total Controlled Disbursing Dr
739 - CDA2000 Funding Credit
Credit
280 - Total Controlled Disbursing Cr
743 - Bill Pay Transfer Debit
Debit
755 - Electronic Return Chargeback*
Debit
NA
766 - Electronic Return Reclear*
Debit
NA
856 - TFR Transfer Concentration
Credit
270 - Total ZBA Credits
868 - TFR Debit
Debit
937 - Deposit Correction/Cash Credit
Credit
938 - Deposit Correction/Cash Debit
Debit
940 - Counter Check Debit
Debit
31
Note.
NA = Current Day nonfinancial transaction and does not add into any Summary Code.
32
Appendix F: BAI2 Control Disbursement Codes

Below is a list of Bank of America Merrill Lynch Control Disbursement codes
and the relevant description.
Code
044
Disbursement Opening Available Balance
583
Disbursement Checks Paid - First Presentment
584
Disbursement Checks Paid - Second Presentment
585
Disbursement Funding Requirement
715
ACH Disbursement Credits
716
ACH Disbursement Debits
724*
TOTAL - Disbursement Opening Available Balance
725*
TOTAL - ACH Disbursement Credits
726*
TOTAL - ACH Disbursement Debits
727*
TOTAL - Disbursement Checks Paid - First

Presentment
728*
TOTAL - Disbursement Checks Paid - Second

Presentment
729*
TOTAL - Disbursement Funding Requirement
777
Adjustment Disbursement Credits1
778
Adjustment Disbursement Debits1
779*
TOTAL - Adjustment Disbursement Credits1
780*
Note.
Description
TOTAL - Adjustment Disbursement Debits1
1 - Only applicable to Northbrook and Walnut Creek accounts
* Master Funding Account Reporting only
33
Appendix G: Glossary
Below are several terms, as defined by Bank of America Merrill Lynch and Bank
Administration Institute, you may come across when working with your
Information Reporting files, applications, and customer support teams.
Term
Definition
Account
The account is the basic level of organization. An account envelope contains

balance, summary, and transaction data for a specific account at a financial
institution. All records in an account envelope refer to the same account, time
stamped with the same date and time. Example: Account 001110012345678 at
the Bank, previous-day information as of midnight.
Account Identifier
and Summary
Status
Record that identifies the account number and reports activity summary and
account status information. Summary information may be accompanied by an
item count.
Account Status
Describes the status of the account, usually an account balance. For example,
ledger balance, available balance, or float position.
ACH IAT
(International ACH)
An International ACH Transaction is an ACH entry that is part of a payment

transaction involving a financial agencys office that is not located in the
territorial jurisdiction of the U.S. An office of a financial agency is involved in
the payment transaction if it:
Holds an account that is credited or debited as part of the payment
transaction; or
Receives funds directly from a Person or makes payment directly to a
Person as part of the payment transaction; or
Serves as an intermediary in the settlement of the payment transaction
Activity Summary
Summarizes account credit and debit activity. For example, total lockbox
credits or total security debits.
Account Trailer (49)
This record provides account control totals.
Available Balance
The portion of the commercial account ledger balance against what the bank
normally limits the account holder to draw. Ledger Balance Float = Available
Balance. This balance is also referred to as good funds, immediately available
funds, or usable funds. Frequently, the term Collected Balance is used to
describe Available Balance as defined here. In these instances, banks should
report this balance in the Available Balance category.
Average Closing
Available Balance
MTD
The average closing available balance month to-date. In general, it is calculated

by summing the closing available balance for each calendar day elapsed in the
month and dividing by the number of calendar days covered. This balance may
or may not include adjustments depending on the procedures of each bank.
34
Term
Definition
Average Closing
Available Balance
YTD
The average closing available balance year-to date. In general, it is calculated

by summing the closing available balance for each calendar day elapsed in the
year and dividing by the number of calendar days covered. This balance may or
may not include adjustments depending on the procedures of each bank.
Average Closing
Ledger Balance MTD
The average daily closing ledger balance month-to-date. In general, it is

calculated by summing the closing ledger balance for each calendar day elapsed
in the month and dividing by the number of calendar days covered. This
balance may or may not include adjustments depending on the procedures of
each bank.
Average Closing
Ledger Balance
YTD
The average daily closing ledger balance year-to-date. In general, it is

calculated by summing the closing ledger balance for each calendar day in the
year and dividing by the number of calendar days covered. This balance may or
may not include adjustments depending on the procedures of each bank.
Bank Reference
This is the value that is in the transactions Bank Reference field. When
available, it is a bank-assigned reference number to help identify the
transaction.
Closing Available
Balance
The available balance at the end of the business day for which activity is being
reported. Closing Ledger Float = Closing Available.
Closing Ledger
Balance
The ledger balance as of the end of the business day (As-of-Date) for which the
activity is being reported. Opening Ledger + Total Credits Total Debits =
Closing Ledger Balance.
Collected Balance
Frequently, the term Collected Balance is used to describe Available

Balance as defined in this glossary. In these instances, banks would report this
balance in the Available Balance category. However, many banks define
Collected Balance internally as the portion of the commercial account ledger
balance for which a hold time allowing for the collection and return of
deposited items has elapsed. When defined in this manner, a Collected
Balance is distinguished from an Available Balance. For example, a bank
may make the funds represented by a deposited item available to the customer
in two business days per its clearing schedule, while the bank may not include
the deposited item as collected for six days to allow for the possible return of
the item.
Continuation (88)
Record used when data exceed the maximum physical record length, or
whenever it is desirable to continue data into an additional record. It may
follow 03, 16, or 88 records.
Credit
A posting to a specified account of a certain named amount resulting in an

increase in the value of the balance of the account.
35
Term
Definition
Current Available
Balance
The available balance at a given time during the business day the information is
being reported. It includes zero-funds type debits and credits processed up to
that time. Opening Available Balance + (the Net of Zero-Day Funds type
Debits and Credits processed up to that time) = Current Available Balance.
Current Ledger
Balance
The ledger balance at the time during the day the information is being reported.
It includes debits and credits that have been processed up to that time. Opening
Ledger Balance + (the Net of Debits and Credits processed up to that time) =
Current Ledger Balance.
Customer Account
In general, this term is associated with a demand deposit checking account.

However, there are other types of depository accounts that could have balances
associated with them such as interest-bearing accounts.
Customer
Reference
This is the value that is in the transactions Customer Reference Field. This
field contains information that may have been provided by the customer with
the transaction or by the bank in some cases e.g., paid check number, lockbox
number, etc. In the case of a ZBA transaction, it will contain the ZBA Account
Number.
Debit
A posting to a specified account of a certain named amount resulting in a

decrease in the value of the balance of the account.
File Groups
File groups are combined into files for transmission. A file includes data
transmitted between one sender and one receiver. A file can include groups of
data from any number of originating financial institutions destined for any
number of ultimate receivers. Intermediaries may combine groups from several
different source files into a new file for transmission. For example, the Bank
may combine reports from several Bank ABA routing numbers into a single file
for transmission to XYZ Company. Example: A file from the Bank to XYZ
Company could contain both of the following groups:
File Header (01)
Record that marks the beginning of a file. It identifies the sender and receiver of
the transmission and describes the structure of the file.
File Structure
Information reporting transmissions and downloads are divided into

envelopes of data. These envelopes organize data at the following levels:
Account, Group, and File.
File Trailer (99)
This record provides file control totals.
Float
The portion of the commercial account ledger balance that is normally not
available for the account holder to draw against. Ledger Balance Available
Balance = Float.
Funds Availability
The float assigned to an item or a group of items that can be expressed in terms
of zero-day, one-day, or two or more days.
36
Term
Definition
Group
A group contains one or more account envelopes, all of which represent

accounts at the same financial institution. All information in a group is time
stamped from the same date and time. Example: Several accounts from the
Bank to XYZ Reporting Service, same-day information as of 9:00 a.m.
Group Header (02)
Record that identifies a group of accounts that are from the same originator and
includes the same as-of-date and as-of time.
Group Trailer (98)
This record provides group control totals.
Ledger Balance
A commercial account balance that is the result of the total debit and credit
activity as of a specific date and time. There is no indication of funds
availability or usability. This is sometimes referred to as book, gross, or
statement balance.
Logical Record
The group of characters within a physical record that convey meaningful,

related data. The logical record includes the record code, other codes defined by
the format, all data, field delimiters, and text.
From the Bank (ABA 071000770) to XYZ, previous day, as of midnight.
From the Bank (ABA 071000010) to XYZ, previous day, as of midnight.
One-Day Float
The portion of the commercial account ledger balance that is not available for
the account holder to draw for one business day.
Opening Available
Balance
The available balance at the start of the business day following the day for
which activity is reported. Closing Available Balance Reported + The Net of
One-day Float = Opening Available Balance. For example, Wednesdays
Opening Available Balance is the result of Tuesdays Closing Available
Balance The Net of One-Day Float.
Opening Ledger
Balance
The ledger balance at the start of business on the day (As-of-Date) for which
the activity is being reported.
Physical Record
A group of contiguous characters occupying a specific number of character

characters.
Total Checks Paid
The sum of all checks that have been charged to a commercial account. Types
of items include checks, depository transfer checks and preauthorized checks.
Total Checks
Posted Returned
The sum of funds credited to an account that represents the reversal of items
posted to an account which was then returned by the drawee bank. Types of
reasons for returns include nonsufficient funds, stop payment, lack of
endorsement, or incorrect endorsement.
Total Concentration
Deposits
The sum of those deposits that consist of transactions initiated to gather

intracompany funds from a number of banks into an account at one bank. Types
of transactions include depository transfer checks and automated clearing house
items.
Total Credits
The sum of all credits posted to the ledger balance of an account.
37
Term
Definition
Total Debits
The sum of all debits posted to the ledger balance of an account.
Total Deposited
Items Returned
The sum of changes to an account that represents reversals of items which were
deposited and credited to an account. Types of reasons for returns include
nonsufficient funds, stop payment, lack of endorsement and incorrect
endorsement.
Total Incoming
Money Transfer
The sum of those funds credited to an account by the money transfer

department of a bank. Types of transactions include intrabank or interbank
movement of funds received through Fed Wire, CHIPS or other
communications systems.
Total Lockbox
Deposits
The sum of those deposits that consist of remittances or transactions credited to

a commercial account through a lockbox.
Total Other Check

Deposits
The sum of those deposits that consist of checks. Types of transactions include
commercial deposits, over-the-counter deposits, and cash letters. Lockbox,
concentration, and preauthorized payment deposits are not included in this
category.
Total
Other/Miscellaneou
s Credits
The sum of those credit transactions that a bank cannot report under other
defined categories. Types of transactions include adjustments, loans and so on.
Total Other
Miscellaneous
Debits
The sum of those debit transactions that a bank cannot report under other
defined categories. Types of transactions include adjustments, service charges
and so on.
Total Outgoing
Money Transfers
The sum of those funds charged to an account by the money transfer

department of a bank. Types of transactions include intrabank or interbank
movement of funds sent through the Fed Wire, CHIPS or other communication
system.
Total Zero Balance

Account Debits
The sum of those funds charged to a zero-balance main (parent, master) account
that is related to any number of zero-balance subaccounts.
Total Zero-Balance
Credits
The sum of those funds credited to a zero-balance main (parent, master)

account that is related to any number of zero-balance subaccounts.
Transaction Detail
(16)
Record used for transmission of detail transaction information. Transaction

Detail Details individual credits and debits. For example, individual lockbox
deposit or foreign exchange debits.
Two or More Days

Float
The portion of the commercial account ledger balance that is not available for
the account holder to draw against for the two or more days.
38
Term
Definition
Type Codes
Information reporting transmissions and downloads include data describing

hundreds of different types of account activity, ranging from securities
transactions to lockbox deposits. Each transaction, summary, or balance
classification has been assigned a uniform type code. The type code uniquely
identifies the type of activity or balance being reported. Type codes are grouped
into three levels: Account Summary, Account Status, and Transaction Details.
U.S. ACH CCD

transaction
U.S. cash concentration or disbursement. NO remittance information will map

with instruction. Used to collect funds deposited locally by branches or sales
outlets to a central operating account.
U.S. ACH CCD+

transaction
U.S. cash concentration or disbursement with one line of remittance

information. Used to collect funds deposited locally by branches or sales outlets
to a central operating account. May be required for state and local tax payments
mandated to be paid electronically.
U.S. ACH CTX

transaction
U.S. Corporate Trade Exchange. Must be presented with remittance

information. Used to collect and disburse funds between two different
companies. Businesses use CTX payments to pay one another for goods and
services. All CTX payments should be prearranged with your trading partner.
Zero-Day Float
The net of debits or credits in a days activity for which there is no float. This
total affects the available balance immediately upon processing.
39

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What are uniform type codes and what are they used for?

What are uniform type codes and what are they used for?

What is the difference between float and zero-day float?

What is the difference between float and zero-day float?

H2H BAI2 Implementation Guide U.S.

Codes and Structure

Account Status: These codes

describe the status of the account (for example,

These codes summarize account credit and debit activity

Account #1256793 at Bank of America Merrill Lynch

Record Descriptions and Layout

Identifies the sender and receiver of the transmission and

Identifies a group of accounts that are from the same

Identifies the account number and reports activity summary

Used for transmission of detail transaction information.

Used when data exceeds the maximum physical record

Provides account control totals.

Provides group control totals.

Provides file control totals

Begins First Group

Account 1 Identifier (03)

1st Transaction detail (16)

First Transaction Detail

)Continuation record (88)

2nd Transaction detail (16)

Second Transaction Detail

Account 1 Trailer (49)

Ends First Account

Account 2 Identifier (03)

1st Transaction detail (16)

Third Transaction Detail

Fourth Transaction Detail

Physical Records and Logical Records

A group of contiguous characters occupying a specific number

If the file header specifies a physical record length of 80 characters but

The physical record occupies characters 1 through 80.

The logical record occupies characters 1 through 65.

Fixed and Variable Length Records

Free Format Fields/Field Delimiters

Fields within records are delimited by a comma ,.

Bank of America Merrill Lynch will populate an ABA/routing number from

Identification number defined by the sender which will be unique within a

Number of physical records in a block. Default is variable block size.

Number of physical records in a block. Default is variable block size.

Sample 01 Record File Header

In the above example:

The File Header Record Code is always 01

The Sender ID is INFIMPIL, where P is an identifier for previous day

The Receiver ID is the Bank of America Merrill Lynch Illinois routing

The date of the file is as of March 27, 2012

The file was created as of 1559 (3:59 pm) Central Time

File ID Number Randomly generated number

The Physical Record Length is 110

The Block Size is 1

Bank of America Merrill Lynch populates a 9-digit ABA/routing

Bank of America Merrill Lynch populates a 9-digit ABA/routing

Bank of America Merrill Lynch will always populate a value of 1 for

YYMMDD format; sender date. Standard time zone is CST.

Bank of America Merrill Lynch leaves it blank (identified by a comma

Indicates final prior day or interim current day data.