An incoming ACH request to move funds into a customer account has failed. The available balance has not changed. You can receive this event only if FACHA is set to Y.

Reasons for failure could be:

The customer account is not in a status that is specified in ACSTS.
The product does not accept incoming credits, as specified in ACCRD.
A load limit has been violated: Either the amount of the transaction is too large or the cumulative amount during a certain time is too large.
Code — ACHC
Event trigger — You or Galileo reject the request, or the request fails.
Processes — These processes contain the event trigger:
- Galileo receives a Nacha file that contains a request to move funds into a customer account.
- Modify Pending Deposit Status endpoint with actionType: R

Fields

All fields are strings. Your field names may vary.

Field	Required	Description
ach_source_trace		Trace ID for an ACH transaction, generated by the originator. 15 digits. Example: `"034294619573021"`
amount	X	Amount of the transaction. Unsigned. Example: `"63.21"`
avail_cash		For debit accounts, the `open_to_buy` plus available overdraft. Example: `"143.11"`
avail_credit		For credit accounts, the available credit limit to spend. Example: `"432.00"`
balance_id	X	The balance ID, also called the `galileo_account_number`. Example: `"20211"`
cad		Galileo-generated card ID. Example: `"12534"`
credit_balance		For credit accounts, the total amount of unpaid purchases and advances. Example: `"325.00"`
msg_event_id		Unique Galileo-generated identifier for this message. Example: `"243693"`
msg_id		The four-letter code to identify this event. Example: `"ACHC"`
open_to_buy		The available balance to spend. Example: `"500.00"`
pmt_ref_no	X	Galileo 12-digit payment reference number (PRN) for the account. Example: `"155101003022"`
prod_id	X	The product ID of the account. Example: `"1701"`
prog_id	X	The program ID of the account. Example: `"305"`
return_code	X	See ACH Return Codes for possible values. Example: `"R01"`
source	X	Name of the originating depository financial institution (ODFI). Example: `"Bank of Centerville"`
source_id	X	Identifier for the `source`. Example: `"3029674"`
timestamp	X	Date-time when this event was created in Mountain Standard Time (GMT -0700). Format: `YYYY-MM-DD hh:mm:ss MST` Example: `"2023-01-29 17:20:33 MST"`
type	X	The name of this event: `"ach_credit_fail"`
user_data		Populated according to your use case and needs by arrangement with Galileo.

Example

# ach_credit_fail example:
{
  "ach_source_trace": "034294619573021",
  "amount": "63.21",
  "avail_cash": "143.11",
  "avail_credit": "432.00",
  "balance_id": "20211",
  "cad": "12534",
  "credit_balance": "325.00",
  "msg_event_id": "243693",
  "msg_id": "ACHC",
  "open_to_buy": "500.00",
  "pmt_ref_no": "155101003022",
  "prod_id": "1701",
  "prog_id": "305",
  "return_code": "R01",
  "source": "Bank of Centerville",
  "source_id": "3029674",
  "timestamp": "2023-01-29 17:20:33 MST",
  "type": "ach_credit_fail"
}