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BAI2 File Format FILE SPECIFICATIONS REFERENCE GUIDE

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REFERENCE GUIDE BAI2 File Format FILE SPECIFICATIONS Updated February 2016 Adapted from the Cash Management Balance Reporting Specifications Technical Reference Manual published by the Bank Administration
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REFERENCE GUIDE BAI2 File Format FILE SPECIFICATIONS Updated February 2016 Adapted from the Cash Management Balance Reporting Specifications Technical Reference Manual published by the Bank Administration Institute Contents What is BAI2?... 2 Record Names and File Layout... 3 Record Formats... 4 File Header (01)... 4 Group Header (02)... 5 Account Identifier & Summary Status (03)... 6 Transaction Detail (16)... 9 Continuation (88) Account Trailer (49) Group Trailer (98) File Trailer (99) Support Appendix A: File Structure Appendix B: Type Codes Appendix C: Data Elements Appendix D: Group Status Processing.. 23 Appendix E: Sample File What is BAI2? BAI2 is a file format standard developed by the Banking Administration Institute in 1971 to enable the electronic exchange of banking data. The file format is a comma-separated value format, with each line beginning with a two-digit identifier, followed by a series of fields specified by the identifier. Files are sent from Old National to you, at which point you can import the file into your accounting software to update your account records. Receiving BAI2 Information from Old National Old National offers two different ways to receive BAI2 information: direct transmission and BankConnect Plus. Direct Transmission Using your File Transfer Protocol (FTP) server, Old National can deliver a file to you on a periodic basis per your specifications. Transmissions can occur daily, weekly, semi-monthly, monthly or on specified days of each week. You will need to simply provide us with a user ID and password to your FTP server and we ll begin sending you BAI2-formatted files. BankConnect Plus Old National s online cash management suite, BankConnect Plus, has an optional add-on feature to its Information Reporting module that allows for the download of BAI2 files. Data can be extracted from the prior six months transaction history, allowing you to create custom BAI2 files as needed. Guardian FTP Server Guardian is Old National s FTP server. ONB can set you up with a user ID and password to log into Guardian to retrieve your BAI2 files. Learn More about BAI2 The current full technical manual of the BAI2 standard is contained in Cash Management Balance Reporting Specifications Volume 2, published in October This guide contains condensed reference information from that document. Download the Full Technical Manual The full edition of Cash Management Balance Reporting Specifications Volume 2 is available online at pdf. Note that this document is neither published nor maintained by Old National Bancorp. 2 Record Names & File Layout Included in this section are record codes, names and the purposes for the records in the BAI2 file layout. Note that the order of the record description corresponds to the file layout. Record Code Record Name Purpose 01 File Header Marks the beginning of a file. Identifies the sender and receiver of the transmission and describes the structure of the file. 02 Group Header Marks the beginning of a group. Identifies a group of accounts that are from the same originator and include the same asof-date and time. 03 Account Identifier Marks the beginning of an account. Identifies the account number, reports, summary or status activity summary, and account status information. The summary information may be accomplished by an item count and funds availability distribution. 16 Transaction Detail Used for transmission of detail transaction information about the account identified in the 03 record. May include two reference numbers and an alphanumeric text field. 88 Continuation Record Used when data exceed the maximum physical record length and needs to continue into an additional record. Note that it may be followed with any other record code, including another 88 record. 49 Account Trailer Marks the end of an account and provides account-level control totals. 98 Group Trailer Marks the end of a group and provides group-level control totals. 99 File Trailer Marks the end of a file and provides filelevel control totals. Each line of the BAI2 file is led by one of these Record Codes. The following section details how each of these records should be formatted. More information regarding file structure is included in Appendix A. 3 Record Formats 01 File Header Record The file header is used to indicate the beginning of the file. It should be the first code of the first line of the file transmission. It is used to identify the sender and receiver of the transmission, as well as the structure of the file. All fields in this section are required, unless noted otherwise. Field Name Field Description Format Record Code 01 (static) Sender Identification Transmitter of file usually the ABA of the Alphanumeric sending financial institution. Receiver Identification Recipient of file usually the ABA of the Alphanumeric receiving financial institution. File Creation Date Date on which the file was created by the sender. YYMMDD Format File Creation Time Time when the file was created by the sender (in the sender s local time zone). Military (2400) Format File Identification Number Defined by the sender. Must be unique to each file created on the same date. Physical Record Length Defines the number of characters in a physical record. If omitted, the default is a variable length record. Block Size Defines the number of physical records in a block. If omitted, the default is a variable block size. Version Number 2 (static) End of Record Identifier / Special Character (static) Delimiters, Comma delimits field Special Character (static) Sample 01 Record The file was created on March 20, 2009 (090320) at 1:00 PM (1300). Old National set a physical record length of 50 characters, but did not set a specified block size. The line would look as follows: File Header File Time Record Length 01, , ,090320,1300,1,50,,2/ Version Number Old National Sender ID File Date File ID,, Omits Block Size End of Record 4 02 Group Header Record The group header is used to identify a group of accounts. Each group must be from the same originator and include the same as-of date. If either of these values varies, a separate group header record will need to be created. All fields in this section are required, unless noted otherwise. Field Name Field Description Format Record Code 02 (static) Ultimate Receiver Final receiver of this group of data. (Typically Alphanumeric Identification this is the ABA of the receiving bank.) Originator Identification Originator of the group of data. (Typically this Alphanumeric is the ABA number of the originating bank.) Group Status 1 = Update 2 = Deletion 3 = Correction 4 = Test (See Appendix F for definitions.) As-of Date Date Originated YYMMDD Format As-of Time For reference purposes; Should be in the originator s time zone. Military (2400) Format Currency Code Default is USD for U.S. Dollars. Additional codes available in Appendix B. Alphanumeric As-of Date Modifier For reference only does not affect processing. 1 = Interim Previous Day Data 2 = Final Previous Day Data 3 = Interim Same Day Data 4 = Final Same Day Data End of Record Identifier / Special Character (static) Delimiters, Comma delimits field Special Character (static) Sample 02 Record The data in the group is as of March 19, 2009 (090319), with no time noted. All amounts are in US Dollars, and is a sample of final previous day information. The line would look as follows: Old National As-of Currency Group Header Sender ID Date Code End of Record 02, , ,1,090320,,USD,2/ Group Status,, Omits Asof Time As-of Date Modifier 5 03 Account Identifier & Summary Status Record This record is used to identify the account number, reports summary and status information. In addition to summary information, additional detail such as item counts and funds availability may also be included. For each account, a new 03 record must be created. A single record can contain multiple type codes, with a new type code following the funds type record. Note that 03 records are used for summary information only - a 16 record should be used to report detail information. The tables in Appendix C can be used to determine what types of information are considered status/summary and which are considered detail. All fields in this section are required, unless noted otherwise. Field Name Field Description Format Record Code 03 (static) Customer Account Number Originator s bank account number at the Alphanumeric originating financial institution. Significant leading 0 s required No commas or slashes Currency Code Defaults to Group (02) record code if omitted. Additional codes available in Appendix B. Alphanumeric Type Code Amount Item Count Funds Type Identifies type of summary or status data. Default indicates no status/summary reported. See Appendix C for type codes. Amount of designated type code. If no sign is indicated, positive is assumed. If omitted, default value is zero. Express without a decimal format determined by currency denomination. For use with summary type codes only. Default is unknown. No decimal is implied. 0 = Immediate Availability 1 = One-Day Availability 2 = Two-or-More Days Availability S = Standard Schedule Distributed V = Value Dated D = Defined Schedule Distributed Z = Unknown (Default) Omit decimal (DDDDCC) + for positive - for negative Integer Varies by selection see the Funds Type table in Appendix D. End of Record Identifier / Special Character (static) Note that multiple entries of Type Code, Amount, Item Count and/or Funds Type can be reported in the 03 record, each on a separate line. For summary data only. Field should be omitted a Status code is used. 6 Sample 03 Record Status Reporting Account number had an closing ledger balance of $43, The line would look as follows: Record Header 03, ,,015, ,,/ Account Number Currency Code Omitted Type Code Amount Item Count Omitted Funds Type Omitted End of Record Sample 03 Record Summary Reporting (Total Debits) Account number had 213 total debits for the day of USD $15, Currency Funds Type Record Header Code Amount Omitted 03, ,USD,400, ,213,,/ Account Number Type Code Item Count End of Record 7 Sample 03 Record Summary Reporting (Defined Schedule Distributed Availability) Account number received $2,000 in deposits. It will be made available in four distributions: $100 immediately, $200 in two days, $1,000 in three days and the balance in five days. No time was specified. See Appendix D for D funds type formatting. The line would look as follows: Record Header Currency Code Omitted Amount Funds Type $200 in 2 Days $700 in 5 Days 03, ,,100,200000,,D,4,0,10000,2,20000,3,100000,5,70000/ Account Number Type Code Item Count Omitted # of Distributions $100 Immediate $1,000 in 3 Days End of Record 8 16 Transaction Detail Record Since 03 records are used to report status and summary type codes, 16 records are used to report detailed information about the preceding 03 record. Each line of a 16 record can only report one type code, but multiple 16 records can exist for a single 03 record. Detail data can include text or reference numbers. All fields in this section are required, unless noted otherwise. Field Name Field Description Format Record Code 16 (static) Type Code Describes the type of detail data in this record. See Appendix C for available records (note that only detail type codes can be used with a 16 record). Amount Always positive and expressed without a decimal. Currency is determined by the 03 Omit decimal (DDDDCC) record. Default indicates no amount specified. Funds Type Bank Reference Number Customer Reference Number Text 0 = Immediate Availability 1 = One-Day Availability 2 = Two-or-More Days Availability S = Distributed Availability (Standard) V = Value Dated D = Distributed Availability (Defined) Z = Unknown (Default) Reference number or value assigned by the originator. Usually used to reference a banksupplied confirmation or reference number. Reference number or value assigned by the originator. Often used to reference an invoice or account number. Free-form text to supply additional information. * Varies by selection see the Funds Type table in Appendix D. Alphanumeric Cannot contain a comma or slash Alphanumeric Cannot contain a comma or slash Alphanumeric Cannot start with a slash, but may contain a comma or slash after the first character End of Record Identifier / Special Character (static) Not used if a text field is used * Unless an 88 record follows a text field, the end of the field is the beginning of the next record. If a Physical Record Length is set in the 01 record, any remaining space between the end of the text and the designated record length must be filled with blanks/spaces (e.g. if the total length of the 16 record, including text, is 45 characters and the fixed-length requirement is 50 characters per line, you must follow the text with 5 blanks). To omit the text field, follow the Customer Reference Number field with a comma then the End of Record Identifier. 9 Sample 16 Record Detail Reporting Check #14222 for $ posted to the account defined in the 03 record. The line would look as follows: Record Header Amount Bank Reference Omitted Text Omitted 16,475,23275,,,14222,,/ Type Code Funds Type Omitted Customer Reference (Check #) End of Record Sample 16 Record Detail Reporting An ACH Credit for $1, from XYZ Distributing posted to the account in the 03 record. ACH funds were made immediately available. The funds were used to pay invoice # XYZ included a note that this is the first installment of two in the text. The line would look as follows: Record Header Amount Bank Reference Omitted Text 16,142,120000,0,,Invoice 12345,Installment 1 of 2 Type Code Funds Type 0 Customer Reference End of Record Omitted 10 88 Continuation Record An 88 record continues the information referred to on the preceding line. Occasionally, line length constraints set in the 01 record may cause a record to exceed its allowable length for a single line. To continue to provide information regarding that record, and 88 may be used. 88 records may follow any type of record, including other 88 records. Note that 88 records are always optional. Field Name Field Description Format Record Code 88 (static) Next Field in Preceding The format will be exactly the same as the Varies Record preceding line, so the next field following the last record in the preceding line would determine the format of the beginning of the 88 record. Text records in 16 records can be separated into multiple lines, but non-text records should always be contained within a single line. End of Record Identifier / Special Character (static) Not used if a text field is used Sample 16 Record Detail Reporting with Continuation In the last example of the 16 record, if there was a fixed-length limit of 25 characters per line, the record would read as follows: (Reminder: this was an ACH Credit for $1, from XYZ Distributing posted to the account in the 03 record. ACH funds were made immediately available. The funds were used to pay invoice # XYZ included a note that this is the first installment of two in the text.) Record Headers Type Code Amount Funds Type 0 Bank Reference Omitted 16,142,120000,0,, 88,Invoice 12345, 88,Installment 1 of 2 Customer Reference Non-text; Cannot be split Text End of Record Omitted 11 49 Account Trailer Record Each 49 record is used to close a 03 record. Typically, 49 records are followed either by another 03 record, or by a 98 record to close a group. This record is used to balance the contents of the 03 record, to ensure the amounts reported balance to what was expected. When a 03 record exists, a 49 record is required before another 03 record can be created, or before the 02 record group can be closed with a 98 record. All fields are required. Field Name Field Description Format Record Code 49 (static) Account Control Total Sum of all Amount fields in the 03 record group. Sum must equal the sum of all Omit decimal (DDDDCC) Amount fields in the 16 and 88 records, as well. Note that amounts reported in Funds + for positive - for negative Type or Item Count are not added to this total. Default value is positive, if no sign is indicated. Number of Records Total count of records contained in the 03 group, including the 03 and 49 record lines. Integer End of Record Identifier / Special Character (static) Sample 49 Record There are a total of 38 lines in this 03 record group. Total Amount fields sum to $118, The line would look as follows: Number of Record Header Lines 49, ,38/ Amount End of Record 12 98 Group Trailer Record Similar to the 49 record, the 98 record is used to close a 02 group. For each 02 record in the file, a 98 record must exist before either a 99 record to close the file or another 02 record can be created. All fields are required. Field Name Field Description Format Record Code 98 (static) Group Control Total Sum of all Account Control Totals from the 49 records in the group. Default value is Omit decimal (DDDDCC) positive, if no sign is indicated. + for positive - for negative Number of Accounts Number of 03 records in this group. Integer Number of Records Total count of records contained in the 02 group, including the 02 and 98 record lines. Integer End of Record Identifier / Special Character (static) Sample 98 Record There are a total of 844 lines in this 02 group, with 17 different 03 record groups. Total Amount fields sum to $45,655, The line would look as follows: Number of End of Record Header 03 Records Record 98, ,17,844/ Amount Number of Lines 13 99 File Trailer Record The 99 record is used to close out the file as such, there is only one 99 record per file. It is used to provide file totals that balance the data contained within the file. All fields are required. Field Name Field Description Format Record Code 99 (static) File Control Total Sum of all Group Control Totals from the 98 records in the group. Default value is Omit decimal (DDDDCC) positive, if no sign is indicated. + for positive - for negative Number of Groups Number of 02 records in this file. Integer Number of Records Total count of lines contained in the file, beginning with and including the 01 record; Integer finishing with and including this 99 record. Exclude any device-oriented records, tape marks, JCL, etc. End of Record Identifier / Special Character (static) Sample 99 Record There are a total of 37,614 lines in this file, which contains 702 group records. Total Amount fields sum to negative $714, The line would look as follows: Number of End of Record Header 02 Records Record 99, ,702,37614/ Amount Number of Lines 14 Your Support Team Problem Resolution Questions Treasury Management Customer Support , Option 1 Monday-Friday, 8AM to 6PM ET (7AM to 5PM CT) (Note: we are able to assist with any file download/retrieval issues. If you are having difficulty importing a BAI2 file into your software, we recommend using your software s built-in help feature or contacting your software vendor s technical support.) Additional Reference Cash Management Balance Reporting Specifications Volume 2 For the full-text guide to BAI2 reporting, including a glossary of terms, SWIFT conversion procedures, and implementation tips, download the full guide at: pdf. (Note: this document is neither published nor maintained by Old National Bancorp.) 15 Appendices Appendix A: File Structure BAI2 files have different levels of data that have a start and a stop indicator. The following table pairs each grouping s start record with its end record. Start Record Stop Record 01 File Header 99 File Trailer 02 Group Header 98 Group Trailer 03 Account Identifier 49 Account Trailer 16 Transaction Detail No Stop Record Required 88 Continuation No Stop Record Required Every 01/99 pairing can have multiple 02/98 pairings contained within it. Each 02/98 pairing can have multiple 03/49 pairings. Each 03/49 pairing can have multiple 16 records contained in its detail grouping. 88 records are used to continue any record s informati
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