An account has a negative balance. The Galileo process that detects negative balances runs every morning from 03:00–04:00 MST. This event is sent only when MPNEG is set to Y.

Compare with BBAL: bal.

  • CodeBNEG
  • Event trigger — The account has a negative balance today.
  • Process — This process contains the event trigger:
    • Internal process that detects accounts with a negative balance.


All fields are strings. Your field names may vary. Default fields are included in the default webhook template. See Default and optional fields for more information.

Field Default Description
balance_id X

The balance ID, also called the galileo_account_number. Example: "20211"

msg_event_id X

Unique Galileo-generated identifier for this message. Example: "243693"


The four-letter code to identify this event. Example: "BNEG"

open_to_buy X

The available balance to spend. Example: "-21.10"

pmt_ref_no X

Galileo 12-digit payment reference number (PRN) for the account. Example: "999101003022"

prod_id X

The product ID of the account. Example: "1701"

prog_id X

The program ID of the account. Example: "305"

timestamp X

Date-time when this event was created in Mountain Standard Time (GMT -0700). Format: YYYY-MM-DD hh:mm:ss MST Example: "2025-01-31 17:20:33 MST"

type X

The name of this event: "neg_bal"


# neg_bal example:
  "balance_id": "20211",
  "msg_event_id": "243693",
  "msg_id": "BNEG",
  "open_to_buy": "-21.10",
  "pmt_ref_no": "999101003022",
  "prod_id": "1701",
  "prog_id": "305",
  "timestamp": "2025-01-31 17:20:33 MST",
  "type": "neg_bal"