WRUG

Hi there – We are curious what trancode you are using when debiting a customer’s account for a garnishment. We typically use a 400 and enter the description. We found in a recent transaction the customer had the funds, and we completed the debit. Then an ACH debit came in and due to posting sequence the ACH debit cleared first and then our debit causing the account to be NSF. Our trancode 400 is a force post so it posted. We are curious what others are doing to avoid this. We would have liked to see ours post and the ACH to be NSF and decisioned the following day.