ACH Limit Requests

The ACH Limits Requests screen provides the User with an area to review current and historical temporary exposure limit requests. Users may also request new temporary exposure limit increases from this screen. It is visible only with applicable permissions. 

Users may need to request temporary exposure limit increase requests if the credit union needs to originate ACH transactions where the total aggregated ACH volume is in excess of the credit union's set daily exposure limit.

Requests may go through dual approval by the member, followed by approval at the Corporate.

Sorting and filtering is available on all columns. Click the arrow next to the column header to sort the column. The orange arrow indicates which column is currently sorting the information. Search within a column by typing information into various search boxes located just under the column header, or by utilizing the column dropdown, if available. Once the desired search information has been entered, a list of outgoing temporary exposure limit requests is displayed. To clear filters, click the x located in the search box, or click the Clear filters option at the top right side of the card. 

The User may export the list of temporary exposure limit request information to a PDF document or Excel spreadsheet by clicking the Export to PDF or Export to XLSX button.

Users with appropriate privileges may also create and approve requests from this screen.

Create Temporary Exposure Limit Request

Users with the ACH Solutions role may create new temporary exposure limit requests. 

To submit a new temporary exposure limit request:

1. Navigate to the Money Movement module
2. Click the ACH tab
3. Select ACH Limit Requests
4. Click Create New
5. Review the Request Details and Exposure Limit Details cards 
   1. The Request Details card contains the Effective Date and Temporary Exposure Limit fields
   2. The Exposure Limit Details card displays the following information to assist the User in requesting the most appropriate amount, keeping in mind any additional files that may be originated through the remainder of the business day should ultimately be included in the overall request amount.
      • Effective Date and Day of Week - updates based upon the date indicated in the Effective Date field on the Request Details card
      • Debit Exposure Limit, Credit Exposure Limit, Total Debits Pending + Originated, Total Credits Pending + Originated, Credit Limit, and Available Credit - all fields automatically update based upon; the items the credit union has already originated, the items that are currently pending to be originated, and the credit union's current credit position
6. Indicate the Effective Date - requests may be future-dated
7. Provide the desired limit in the Temporary Exposure Limit field
8. Click Create

The User will see an updated status of In Review on the request. Any Users with the ability to approve the request will see a status of Pending.

Approving Temporary Exposure Limit Request

A User with appropriate privileges must review and complete approval of a temporary exposure limit request.

1. Navigate to the Money Movement module
2. Click the ACH tab
3. Select ACH Limit Requests
4. Click the Request ID hyperlink to review the request details
5. Click the appropriate action button: Approve, Reject, or Cancel
   1. Approve with submit the request to the Corporate for final approval
   2. Reject will terminate the request - a reject reason is required (ex. wrong amount)
   3. Cancel will terminate the request - a cancel reason is required (ex. no longer needed)

Once the request has been completed by the credit union, the request will be submitted to the Corporate for final review and approval. Requests in this stage will reflect a status of Corporate Review.

Complete Temporary Exposure Limit Request

Temporary exposure limit requests that have gone through the approval process at the Corporate will update to a status of Approved on the Temporary Exposure Limit Requests screen.

It is strongly suggested that Users enroll in the ACH Temporary Exposure Limit Change Approved subscription notification. This will notify Users at the credit union when the request has been approved and updated in the Beastro system. To enroll in the subscription notification, the User must click their initials in the upper righthand corner of any screen in Beastro and click Manage Your Profile. From there, turn on the toggle for the ACH Temporary Exposure Limit Change Approved subscription and click Save Changes.

Lastly, the Current day exposure limits will update on the ACH Files screen, Outgoing Files tab.