Navy Cash Standard Operating Procedures - Financial Management ...

Working Draftavailable to discipline a cardholder who continues to have problems with negative accountbalance (see paragraph 8.8.2, Blocking and Unblocking Access to Home Accounts, below).(3) Guidelines for Negative Account Balances. Appendix L providesrecommendations for taking action in the case of a cardholder whose Navy Cash account balanceis negative. These guidelines are based on the number of times a cardholder’s account has gonenegative and are listed in order of severity, from least severe to most severe. These guidelines areoffered as suggestions only; the actual action taken is at the discretion of the cardholder’s chainof command.(4) Timeliness of Updates. Any updates done through the Navy Cash applicationare effective immediately on board the ship and will regulate any subsequent cardholdertransactions at the K80 Cashless ATM. Updates done through the Navy Cash Center web site donot go into effect on board the ship until a round trip is completed between ship and shore.Updates done through the CSC do not go into effect on board the ship until the CSC receives theinformation, processes the request, and a round trip is completed between ship and shore.8.8.2 Blocking and Unblocking Access to Home AccountsAn authorized Disbursing Officer or Disbursing Clerk can block or unblock a cardholder’sACH access to their home bank or credit union account through either the Navy Cash applicationor the Navy Cash Disbursing web site, or by sending a request to the CSC by phone or e-mail.a. When a Navy or Marine Cash cardholder’s ACH access privileges are blocked, theaccount information is updated as follows on the Navy Cash Disbursing web site:(1) The “ACH Allowed” flag is set to “N”.(2) The “ACH Decline Count” is set to “99”.(3) The “99” code indicates that the ACH privileges on the account weredeliberately blocked by either a CSR or authorized disbursing personnel. Even if the accountbalance returns to $0 or greater, the blockage is not removed.(4) This “99” account blockage can only be removed by authorized disbursingpersonnel or by the CSR at the request of authorized disbursing personnel.b. When an ACH transaction is returned with a code other that R01/R09/NSF, theaccount is automatically blocked, and account information is updated as follows on the web site:(1) The “ACH Allowed” flag is set to “N”.(2) The “ACH Decline Count” is set to “98”.(3) Note that the “98” indicates that the ACH privileges were blocked automaticallydue to an ACH return other that NSF, for example, an invalid account number, a closed account,or an account that is not authorized for ACH transactions, such as a Navy Federal Credit Union(NFCU) savings account. It is expected that if ACH privileges are blocked immediately for thesetypes of returned transactions, account balances will not go as far into a negative status for whatmay well be an inadvertent error in recording account information.(4) This “98” account blockage can only be removed by authorized disbursingpersonnel or by the CSR at the request of authorized disbursing personnel. The request shouldNC SOP Ver 1.12 Chpt 8 Disbursing.doc 8-130 16-Aug-07