BAI Transaction History Export

BAI (Bank Administration Institute) transaction history exports provide a credit union with a standardized file format for transmitting financial data. This data is typically used in conjunction with software the credit union uses to enable automated reconciliation of statements.

Beastro includes closing balance information and transaction details based on configured BAI2 type code mappings. Opening, available, float, and summary balances are not included. Beastro does not use every standard BAI2 type code.

On-Demand BAI Export

Beastro Users with the Accounts View Only role may access the BAI2 export option on-demand from the Transactions tab in the Accounts module. Please review the Transactions knowledgebase article for more steps to manually export a BAI2 export.

Only the selected transaction date or date range is used for the export; other Transaction History filters are ignored.

Please note, the on-demand export generates with the information currently reflected in the transaction history, and depending on the time of day may not yet include all transactions or end of day balances if the current date is included in the export.

The filename uses the generation date and time; pattern is <RoutingNumber>-YYYYMMDD-HHMM.BAI2.

SFTP Delivery for BAI Export

Credit unions may request automated delivery of BAI2 exports via SFTP (delivered or picked up) on a daily, weekly, or monthly basis.

The table summarizes the schedule and filename design, not a transfer time or time zone.

Export option	Documented period	Filename pattern
Daily	Previous day.	<RoutingNumber>-Daily-YYYYMMDD.BAI2
Weekly	Previous seven days; configured start date sets run day. Filename date is the last included day.	<RoutingNumber>-Weekly-YYYYMMDD.BAI2
Monthly	Runs on the first of the month for the prior month.	<RoutingNumber>-Monthly-YYYYMM.BAI2

Connection settings and delivery arrangements would be confirmed during onboarding. API delivery is not part of the current offering. Please contact the corporate for more information.

BAI File Specification

The specification information provided explains what is provided in Beastro, not every standard BAI2 code. The layouts describe standard field order and optional fields may not be populated by Beastro. Transaction details are classified by configured combinations of Beastro transaction type and action. Each mapped deposit or withdrawal action is related to a three-digit BAI2 transaction detail code for the receiving system.

Representative Transaction Classifications

D denotes a deposit action and W a withdrawal action in the mapping snapshot. The combination of transaction type and action determines the detail code; the transaction name alone does not establish classification.

Transaction example	Mapped action	BAI2 detail code
Incoming wire	D / W	195 / 496, respectively
Outgoing wire	W	495
ACH	D / W	142 / 451, respectively
Check withdrawal	W	475
Dividend transfer	D / W	354 / 654, respectively

Listed are general example illustrating transaction and BAI2 code mapping.

Record Layout

Reading the fields

The documented order is 01, 02, 03, 16, 49, 98 and 99. Accounts repeat within groups, and groups may repeat within a file.

Commas separate fields and a slash terminates a record under the BAI2 reference. Preserve empty optional positions and their delimiters. The detailed field tables show the base layouts.

Record dates use YYMMDD and times HHMM; filenames use YYYYMMDD or YYYYMM. Creation date differs from the group’s reporting as-of date.

Amounts omit the decimal point and use the currency’s implied decimal places. Transaction amounts are unsigned; debit or credit meaning comes from the detail code. A status balance may be signed, with an omitted sign meaning positive. A positive amount alone does not identify a deposit.

Preserve leading zeros in account identifiers. Account and reference fields cannot contain commas or slashes. Transaction text cannot start with a slash, but may contain these delimiters later; do not split free text on every comma. Optional references, text and funds information should be interpreted only if present.

Totals and record counts

Standard account control totals add signed status amounts and unsigned detail amounts, including amounts carried through continuations. They are validation checksums, not credits minus debits, net activity or the closing balance. Exclude item counts and funds-distribution amounts, and do not count a continued amount twice. Group totals add account totals; the file total adds group totals. Record counts include each applicable continuation and trailer. These are BAI2 validation rules, not verification of Beastro’s production arithmetic.

Detailed field reference

Positions are counted from the record code as field 1. Required and optional describe BAI format requirements, not confirmed Beastro population. Optional identifiers, references, funds information, status values and date modifiers depend on the implementation. The tables explain how to interpret them when present; they do not expand Beastro’s balance or transaction coverage.

01 - File header

Position	Field	BAI requirement	Format	Meaning and receiving-system use
1	Record code	Required	01	Identifies the file header, not a balance or transaction type.
2	Sender identification	Required	Alphanumeric	Identifies the transmitter of this file.
3	Receiver identification	Required	Alphanumeric	Identifies the next recipient, which may differ from the ultimate receiver in 02.
4	File creation date	Required	YYMMDD	Sender’s date when the file was created; not the account reporting date.
5	File creation time	Required	HHMM	24-hour time in the sender’s time zone. Confirm the operational time zone for your export.
6	File identification number	Required	Identifier	A new identifier for files with the same creation date, used with sender and receiver identification to distinguish files.
7	Physical record length	Optional	Characters	Characters per physical record. If omitted, variable physical record length is the default.
8	Block size	Optional	Records	Physical records per block. If omitted, variable block size is the default.
9	Version number	Required	2	Identifies BAI version 2. The record code remains 01.

02 - Group header

Position	Field	BAI requirement	Format	Meaning and receiving-system use
1	Record code	Required	02	Starts a group of account information within the file.
2	Ultimate receiver identification	Optional	Alphanumeric	Identifies the final recipient of the group, when supplied.
3	Originator identification	Required	Alphanumeric	Identifies the originator of the account information.
4	Group status	Required	Standard code	1 = update; 2 = deletion; 3 = correction; 4 = test. These are format options, not confirmed Beastro operating modes.
5	As-of date	Required	YYMMDD	Originator’s reporting date for the account information. Distinguish it from the file creation date.
6	As-of time	Optional	HHMM	24-hour time in the originator’s time zone, supplied for reference only.
7	Currency code	Optional	Currency code	Group currency. If omitted, the format defaults to USD; an account may specify its own currency.
8	As-of-date modifier	Optional	Standard code	1 = interim previous day; 2 = final previous day; 3 = interim same day; 4 = final same day. Reference only; Beastro’s selected value and balance dating require confirmation.

03 - Account identifier and closing balance

Record 03 identifies the account. A type code inside it identifies a balance or summary category; it is not the record code. Beastro’s documented balance scope is closing balance only, classified as Closing Ledger (015). The standard’s other status and summary categories are outside this member specification.

Position	Field	BAI requirement	Format	Meaning and receiving-system use
1	Record code	Required	03	Identifies the account record.
2	Customer account number	Required	Alphanumeric	Preserve significant leading zeros. Commas and slashes are not allowed in the account identifier.
3	Currency code	Optional	Currency code	Defaults to the group currency when omitted.
4	Type code	Optional	Three-digit code	Identifies status or summary information. An absent type code means no such information is reported at that position. 015 identifies Closing Ledger.
5	Amount	Optional	Implied-decimal amount	No decimal point. A status amount may have + or −; no sign means positive. Interpret using the currency’s decimal places, not a fixed scale for every currency.
6	Item count	Optional	Integer	Number of items for summary information, when known. Unknown counts default; this field is defaulted for status information such as closing ledger.
7	Funds type	Optional	Standard code	0 = immediate; 1 = one-day; 2 = two-or-more-day availability; S, V and D describe distributed or value-dated funds; Z = unknown (default). These format options and any associated extensions are not confirmed Beastro-populated fields. Amounts in the Funds Type field have the same currency code and implied decimals specified in the 03 record. Amounts in the Funds Type field are not included in the Account, Group and File Trailer batch control totals

16 - Account transaction detail

Each 16 record carries a mapped transaction detail code. Use that code to determine debit or credit classification; the amount field does not carry a debit sign. Only the configured Beastro transaction mappings determine which classifications are provided.

Position	Field	BAI requirement	Format	Meaning and receiving-system use
1	Record code	Required	16	Identifies an account transaction detail record.
2	Type code	Required	Three-digit code	Classifies the transaction detail. Interpret through the approved Beastro mapping, not an exhaustive BAI2 type catalog.
3	Amount	Optional	Unsigned amount	No decimal point; currency is inherited from the account or group. An omitted amount means no amount is reported, not zero. Currency determines implied decimals.
4	Funds type	Optional	Standard code	Same format options as 03: 0, 1, 2, S, V, D or default Z. Funds availability and extension population are not confirmed Beastro features.
5	Bank reference number	Optional	Alphanumeric	Bank’s reference. No commas or slashes. The standard does not set a length limit, but discourages more than 76 characters; that is not a verified Beastro maximum.
6	Customer reference number	Optional	Alphanumeric	Customer reference. No commas or slashes; the same standard length guidance applies. The reference describes check numbers for type codes 474, 475 and 395, without establishing support for all three in Beastro.
7	Text	Optional	Alphanumeric text	Must not begin with a slash. After its first character it may contain commas and slashes, so preserve free text rather than treating every delimiter as a new field or record.

Continuation records, when present

Record 88 continues the preceding record; it is not a separate transaction classification. If a split occurs within text, continuation content extends that text. Otherwise it starts at the next field. Nontext fields are never split between records. This is a format reference only: Beastro’s actual emission of 88 records has not been established. If present, count each continuation in the applicable account, group and file record counts.

49 - Account trailer

Position	Field	BAI requirement	Format	Meaning and receiving-system use
1	Record code	Required	49	Closes an account. There is one 49 for each 03 account record.
2	Account control total	Required	Signed total	Algebraic sum of all Amount fields in the account’s 03, 16 and any 88 continuations. Exclude funds-distribution amounts and item counts. Default sign is positive. This checksum is neither closing balance nor net credits less debits.
3	Number of records	Required	Integer	Counts this account’s 03, every 16 and 88, and the closing 49 itself.

98 - Group trailer

Position	Field	BAI requirement	Format	Meaning and receiving-system use
1	Record code	Required	98	Closes the group. There is one 98 for each 02 group header.
2	Group control total	Required	Signed total	Sum of the account control totals in this group. An omitted sign means positive.
3	Number of accounts	Required	Integer	Counts the 03 account records in the group.
4	Number of records	Required	Integer	Counts 02, every 03, 16, 88 and 49 in the group, and this 98 itself. Excludes the file header and file trailer.

99 - File trailer

Position	Field	BAI requirement	Format	Meaning and receiving-system use
1	Record code	Required	99	Ends the file. Each file has one 99 trailer.
2	File control total	Required	Signed total	Sum of all group control totals in the file. An omitted sign means positive.
3	Number of groups	Required	Integer	Counts all 02 group headers in the file, not accounts or groups within a group.
4	Number of records	Required	Integer	Counts all records, including 01, all groups and accounts, any 88 continuations, all trailers and this 99. Excludes device-control records.

BAI Transaction Code Mapping

Each row groups one BAI2 Detail Code — Description, its mapped action along with applicable Beastro transaction types mapped to the BAI2 Detail Code listed by Key Code — Description entries, separated by semicolons, in the third column. Rows are ordered numerically by BAI2 Detail Code, then by action; key codes are listed in numeric order within each group. While rare, mappings are subject to modification.

BAI2 Detail Code	Mapped Action	Transaction Type
108 — Credit (Any Type)	Deposit	40 — QuantyPhi Billing; 90 — Invoice Payment; 95 — Expense Reimbursement; 107 — Discount Window Advance; 916 — ISL Referral; 982 — COIN VARIANCE; 1019 — I-Care Monthly Income; 1020 — InterLutions Billing; 9011 — SimpliCD; 9013 — Combined Billing Charges; 10017 — WCUSC Billing
109 — Current Day Total Lockbox Deposits	Advance	6004 — New Loan Account
142 — ACH Credit Received	Deposit	1003 — ACH Deposit - Non Automated; 9006 — ACH; 9025 — ACH Receiver
168 — ACH Return Item or Adjustment Settlement	Deposit	1025 — ACH Ret'd Item Originated; 1054 — Corporate Checking Return Item; 1065 — LATE RETURN CLAIM
169 — Miscellaneous ACH Credit	Deposit	1062 — FRB Respondent Charges
171 — Individual Loan Deposit	Deposit	6000 — Premier Settlement LoanAdvance; 6004 — New Loan Account; 6010 — Settlement Loan Advance
174 — Other Deposit	Deposit	1002 — Check Deposit; 8002 — Share Deposit; 10004 — Dividend Deposit
175 — Check Deposit Package	Deposit	10015 — QuantyPhi Billing Check Deposit; 10016 — InterLutions Billing Check Deposit; 10025 — Emergifi Billing Check Deposit
176 — Re-presented Check Deposit	Deposit	1055 — QRC Redeposit
187 — Cash Letter Credit	Deposit	1012 — FRB CL Deposit; 1029 — Foreign Cash Letter; 1039 — FRB Paper Cash Letter Deposit; 1049 — Cash Letter Correction; 3006 — IMG Non Processable Item; 4004 — IMG Cash Letter Deposit; 9033 — FRB CL Deposit
189 — Cash Letter Adjustment	Deposit	1004 — Cash Letter Adjustment; 1008 — Cash Ltr Adjustment - IMG; 1013 — FRB Outgoing Ret ImageCL Deposit
191 — Individual Incoming Internal Money Transfer	Deposit	910 — Member to Member Transfer; 1060 — Transfer
195 — Incoming Money Transfer	Deposit	903 — Incoming Wire; 905 — Reverse Outgoing Wire; 958 — FRB Account Balance Transfer; 10022 — FedNow Transactions Received; 10027 — Reject FedNow Transaction; 10029 — FedNow Transaction Received In System; 10030 — RTP Transactions Received
195 — Incoming Money Transfer	Withdrawal	906 — Reverse Incoming Wire; 10026 — Reverse FedNow Transaction
196 — Money Transfer Adjustment	Deposit	909 — Wire Reject
201 — Individual Automatic Transfer Credit	Deposit	8004 — Share to Share Transfer
229 — Miscellaneous International Credit	Deposit	921 — Reverse Foreign Wire
233 — Securities Sold	Deposit	103 — Security Sale; 1112 — Securities - Non - Automated Settlement
244 — Interest/Matured Principal Payment	Deposit	113 — Security-MBS/ABS Interest Payment; 10011 — Certificate Maturity Payment
249 — Miscellaneous Security Credit	Deposit	104 — Security-Adjustments; 116 — Security-Free Receipt/Delivery
252 — Debit Reversal	Withdrawal	115 — Security-Principal Reversal
254 — Posting Error Correction Credit	Deposit	1099 — Reverse Posting Error
255 — Check Posted and Returned	Deposit	954 — QRC Items; 1023 — Return of Non-Negotiable
256 — Total ACH Return Items	Deposit	1082 — ACH Reclamation
266 — Return Item	Deposit	946 — CCCU IP Member Return Item; 1061 — Cash Item Return
275 — ZBA Credit	Deposit	10001 — Share to Share Sweep
295 — ATM Credit	Deposit	1200 — ATM Servicing Vault Cash IN; 1202 — ATM Amounts Removed; 1203 — ATM Amounts Loaded
349 — Principal Payments Credit	Deposit	106 — Security-Principal Payments
353 — Cash Center Credit	Deposit	989 — Corporate Cash Delivery Adjustment
354 — Interest Credit	Deposit	105 — Security-Interest Payments; 1063 — FRB INTEREST ON RESERVES; 10005 — Dividend Transfer
357 — Credit Adjustment	Deposit	1001 — CCCU IP Adjustments; 1017 — Corporate Share Draft Adjustment; 8007 — Share Div Credit Adjustment; 9041 — Cash Adjustment
359 — Interest Adjustment Credit	Deposit	6007 — Loan Int Credit Adjustment
366 — Currency and Coin Deposited	Deposit	1011 — Fed Currency; 1070 — Currency Deposit; 1075 — Fed Currency Deposit; 1077 — Currency Shipment; 1084 — Reverse Currency Order; 1090 — Corp Cash Coin/CurrencyDeposit; 1110 — Coin Order Reversal
369 — Clearing Settlement Credit	Deposit	953 — CCCU IP Member Clearings; 957 — Other Settlement; 970 — Fiserv Settlement
399 — Miscellaneous Credit	Deposit	1095 — Misc. Posting
409 — Debit (Any Type)	Withdrawal	40 — QuantyPhi Billing; 90 — Invoice Payment; 108 — Discount Window Payment; 982 — COIN VARIANCE; 1019 — I-Care Monthly Income; 1022 — DFI-WI Annual Assessment; 9011 — SimpliCD; 9013 — Combined Billing Charges; 10017 — WCUSC Billing
451 — ACH Debit Received	Withdrawal	9006 — ACH; 9025 — ACH Receiver
468 — ACH Return Item or Adjustment Settlement	Withdrawal	1025 — ACH Ret'd Item Originated; 1054 — Corporate Checking Return Item; 1065 — LATE RETURN CLAIM; 1080 — ACH Adjustment
469 — Miscellaneous ACH Debit	Withdrawal	1056 — ACH Debit - Non - Automated; 1062 — FRB Respondent Charges
475 — Check Paid	Withdrawal	1057 — Check Withdrawal; 1501 — Corporate Checking Cleared Items; 8006 — Share Withdrawal
481 — Individual Loan Payment	Withdrawal	6005 — Loan Payment; 10010 — Loan Balloon Payment
487 — Cash Letter Debit	Withdrawal	1029 — Foreign Cash Letter; 1049 — Cash Letter Correction; 3006 — IMG Non Processable Item; 4002 — Cash Letter Reversal
489 — Cash Letter Adjustment	Deposit	955 — Image Cash Letter Presentment
489 — Cash Letter Adjustment	Withdrawal	1004 — Cash Letter Adjustment; 1008 — Cash Ltr Adjustment - IMG
491 — Individual Outgoing Internal Money Transfer	Withdrawal	910 — Member to Member Transfer; 1060 — Transfer
495 — Outgoing Money Transfer	Withdrawal	900 — Corporate Entered Outgoing Wire; 901 — Member Entered Outgoing Wire; 10020 — Foreign Wire Rate Change; 10021 — FedNow Transactions Originated; 10028 — FedNow Transaction Originated In System; 10031 — RTP Transactions Originated
496 — Money Transfer Adjustment	Withdrawal	903 — Incoming Wire; 10029 — FedNow Transaction Received In System
501 — Individual Automatic Transfer Debit	Withdrawal	8004 — Share to Share Transfer
518 — Foreign Collection Debit	Deposit	7463 — foreign item collection
531 — Securities Purchased	Withdrawal	102 — Security Purchase - NetSettlement
544 — Interest/Matured Principal Payment	Withdrawal	10011 — Certificate Maturity Payment
549 — Miscellaneous Security Debit	Withdrawal	116 — Security-Free Receipt/Delivery
554 — Posting Error Correction Debit	Withdrawal	1099 — Reverse Posting Error
555 — Deposited Item Returned	Withdrawal	155 — Foreign Item Return; 954 — QRC Items; 1023 — Return of Non-Negotiable
557 — Individual ACH Return Item	Withdrawal	1082 — ACH Reclamation
566 — Return Item	Withdrawal	946 — CCCU IP Member Return Item; 1061 — Cash Item Return
575 — ZBA Debit	Withdrawal	10001 — Share to Share Sweep
577 — ZBA Debit Transfer	Withdrawal	10003 — Share to Loan Sweep
595 — ATM Debit	Withdrawal	1201 — ATM Servicing Vault Cash OUT; 1202 — ATM Amounts Removed; 1203 — ATM Amounts Loaded
629 — Cash Center Debit	Deposit	990 — Corporate Cash Delivery
629 — Cash Center Debit	Withdrawal	989 — Corporate Cash Delivery Adjustment
631 — Debit Adjustment	Withdrawal	1001 — CCCU IP Adjustments; 1017 — Corporate Share Draft Adjustment; 9041 — Cash Adjustment
654 — Interest Debit	Withdrawal	10005 — Dividend Transfer
666 — Currency and Coin Shipped	Deposit	1077 — Currency Shipment
666 — Currency and Coin Shipped	Withdrawal	1011 — Fed Currency; 1070 — Currency Deposit; 1075 — Fed Currency Deposit; 1090 — Corp Cash Coin/CurrencyDeposit; 1100 — Coin Debit
669 — Clearing Settlement Debit	Withdrawal	953 — CCCU IP Member Clearings; 957 — Other Settlement; 970 — Fiserv Settlement
699 — Miscellaneous Debit	Withdrawal	1095 — Misc. Posting