Decrypting and decoding API parameters There are fields present across KeyBank APIs, in both request and response objects, that have predefined values. Some of these values are specific to KeyBank and others are industry-standard values. The purpose of this page is to catalog as many of these data values as possible and provide definitions for their usage within our APIs. Each data value definition contains a brief description, the specific fields and APIs where the data value can be found, and a tabular listing of possible values and what these values mean. Data values Field names Applicable APIs Description Addenda type codes addendaTypeCode ACH Origination, ACH Inquiry A two-digit code that defines the specific interpretation and format for the addenda information contained in the addenda record. BAI codes baiCode, amountTypeCode, derivedBaiCode,transactionCodeBAI2 ACH Inquiry, Intraday Reporting, Previous Day Reporting A BAI (Bank Administration Institute) code is a three-digit code identifying a banking transaction and are divided into balance codes and transaction codes. Change codes changeCode, nocChangeCode ACH Inquiry, Webhooks (ACH alerts) In the case of a Notification of Change (NOC), this is a three-character code beginning with the letter 'C' that indicates the information being changed. Foreign bank type codes foreignBankSystemType Wire Origination, RTP Send Payment Five-character global routing/clearing codes for payments in foreign countries. Pay subtype codes paySubType Wire Inquiry A four-digit code that corresponds to a particular wire drawdown scenario. Return reason codes returnReasonCode, retReturnReasonCode ACH Inquiry, Webhooks (ACH alerts) In the case of a returned ACH payment, this is a three-character code beginning with the letter 'R' that identify a reason an ACH payment was returned. Transaction codes transactionCode, retTranCode, tranCode ACH Inquiry, ACH Origination, Intraday Reporting, Webhooks (ACH alerts) A two-digit code identifying various types of debit and credit entries. Addenda type codes A two-digit code that defines the specific interpretation and format for the addenda information contained in the addenda record. Addenda type codes can be found in the following fields: addendaTypeCode: ACH Origination, ACH Inquiry Code Description 02 Point of Sale Entry (POS), Shared Network Transaction (SHR), or Machine Transfer Entry (MTE) 05 Corporate Credit or Debit (CCD), Customer Initiated Entries (CIE), Corporate Trade Exchange (CTX), Prearranged Payment and Deposit (PPD), Internet Initiated/Mobile Entries (WEB) 10-16 1st-7th addenda records for International ACH Transaction (IAT) 17 IAT Remittance Information addenda record 18 IAT Foreign Correspondent Bank addenda record 98 Used for Notification of Change (NOC) entries 99 Used for Return entries BAI codes A BAI (Bank Administration Institute) code is a three-digit code identifying a banking transaction and are divided into balance codes and transaction codes. BAI codes can be found in the following fields: baiCode: ACH Inquiry, Previous Day Reporting, Intraday Reporting amountTypeCode: Intraday Reporting derivedBaiCode: Intraday Reporting transactionCodeBAI2: Intraday Reporting Balance codes Code Description 010 Opening Ledger 015 Closing Ledger 040 Opening Available 045 Closing Available 072 One Day Float 074 Two or More Day Float 100 Total Credits 109 Current Day Total Lockbox Deposits 111 Lockbox Deposit - Zero Day Float 112 Lockbox Deposit - One Day Float 113 Lockbox Deposit - Two Day Float 115 Lockbox Deposit 140 Total ACH Credits 190 Total Incoming Money Transfers 400 Total Debits 450 Total ACH Debits 490 Total Outgoing Money Transfers 580 Total Controlled Disbursement Debits 584 Total Disbursements Late Amount 585 Disbursing Funding Requirement 602 Total CDA Adjustments Transaction codes Code Description 158 Real Time Payment Credit 165 Pre-authorized ACH Credit 171 Individual Loan Deposit 172 Deposit Correction 195 Incoming Money Transfer 201 Individual Automatic Transfer Credit 206 Book Transfer Credit 213 Letter of Credit 214 Foreign Exchange Credit 229 Miscellaneous International Credit 237 Individual Collection Credit 238 Collection of Dividends 244 Interest / Matured Principle Payment 252 Debit Reversal 258 ACH Reversal Credit 275 ZBA Credit 295 ATM Credit 301 Commercial Deposit 306 Fed Funds Sold 351 Individual Investment Sold 354 Interest Credit 357 Credit Adjustment 359 Interest Adjustment Credit 395 Check Reversal 398 Miscellaneous Fee Refund 399 Miscellaneous Credit 451 ACH Debit Received 455 Pre-authorized ACH Debit 458 Real Time Payment Debit 475 Check Paid 481 Individual Loan Payment 495 Outgoing Money Transfer 501 Individual Automatic Transfer Debit 506 Book Transfer Debit 512 Letter of Credit Debit 513 Letter of Credit 514 Foreign Exchange Debit 529 Miscellaneous International Debit 544 Interest / Matured Principle Payment 552 Credit Reversal 555 Deposited Item Returned 558 ACH Reversal Debit 564 Overdraft Fee 567 Return Item Fee 575 ZBA Debit 595 ATM Debit 627 Fed Funds Purchased 631 Debit Adjustment 651 Individual Investment Purchased 654 Interest Debit 659 Interest Adjustment Debit 661 Account Analysis Fee 666 Currency and Coin Shipped 690 Miscellaneous Debit 694 Deposit Reversal 695 Deposit Correction Debit 698 Miscellaneous Fees 699 Miscellaneous Debit 760 Commercial Loan Debit Change codes In the case of a Notification of Change (NOC), this is a three-character code beginning with the letter 'C' that indicates the information being changed. Change codes can be found in the following fields: changeCode: ACH Inquiry nocChangeCode: Webhooks (ACH alerts) Code Description C01 Incorrect bank account number C02 Incorrect transit/routing number C03 Incorrect transit/routing number and bank account number C04 Bank account name change C05 Incorrect transaction code C06 Incorrect bank account number and transaction code C07 Incorrect transit/routing number, bank account number, and transaction code C08 Incorrect Receiving DFI Identification (IAT only) C09 Incorrect individual identification C10 Incorrect company name C11 Incorrect company identification C12 Incorrect company name and identification C13 Addenda format error Foreign bank type codes Five-character global routing/clearing codes for payments in foreign countries. Foreign bank type codes can be found in the following field: foreignBankSystemType: Wire Origination, RTP Send Payment Code Description ATBLZ Austria AUBSB Australia CACPA Canada CHSIC Switzerland DEBLZ Germany ESNCC Spain GBDSC Great Britain HKNCC Hong Kong IENCC Ireland INFSC India ITNCC Italy NZNCC New Zealand PTNCC Portugal USABA US FedWire ZANCC South Africa Pay subtype codes A four-digit code that corresponds to a particular wire drawdown scenario. Pay subtype codes can be found in the following field: paySubType: Wire Inquiry Code Description 1031 Request for customer drawdown 1032 Transfer honoring customer drawdown request 1033 Refusal of customer drawdown request 1631 Request for bank-to-bank drawdown 1632 Transfer honoring bank-to-bank drawdown request 1633 Refusal of bank-to-bank drawdown request Return reason codes In the case of a returned ACH payment, this is a three-character code beginning with the letter 'R' that identify a reason an ACH payment was returned. Return reason codes can be found in the following fields: returnReasonCode: ACH Inquiry retReturnReasonCode: Webhooks (ACH alerts) Code Description R01 Insufficient funds - The available and/or cash reserve balance is not sufficient to cover the dollar value of the debit entry. R02 Account closed – A previously active account has been closed by action of the customer or the RDFI. R03 No account/unable to locate account – The account number structure is valid and it passes the check digit validation, but the account number does not correspond to the individual identified in the entry, or the account number designated is not an existing account. R04 Invalid account number structure – The account number structure is not valid. R05 Unauthorized debit to consumer account using corporate SEC code – CCD or CTX debit entry was transmitted to a Consumer Account of the receiver and was not authorized by the receiver. R06 Returned per ODFI’s request – The ODFI has requested that the RDFI return an erroneous entry. R07 Authorization revoked by customer – The RDFI’s customer (the receiver) revoked the authorization previously provided to the originator for this debit entry. R08 Payment stopped – The receiver has placed a stop payment order on this debit entry. R09 Uncollected funds – A sufficient ledger balance exists to satisfy the dollar value of the transaction, but the available balance is below the dollar value of the debit entry. R10 Customer advises unauthorized, improper, ineligible, or part of an incomplete transaction – The RDFI has been notified by the receiver that the entry is unauthorized, improper, ineligible, or part of an Incomplete Transaction. Transaction codes A two-digit code identifying various types of debit and credit entries. Transaction codes can be found in the following fields: transactionCode: ACH Inquiry, ACH Origination, Intraday Reporting retTranCode: Webhooks (ACH alerts) tranCode: Webhooks (ACH alerts) DDA credits Code Description 20 Reserved 21 Return or Notification of Change for original transaction code 22, 23, or 24 22 Demand credit (checking deposit) 23 Prenotification for a demand credit; death notification (non-dollar); automated enrollment entry (non-dollar) 24 Zero dollar with remittance data (for CCD, CTX, and IAT entries); acknowledgement entries (ACK and ATX entries) DDA debits Code Description 25 Reserved 26 Return or Notification of Change for original transaction code 27, 28, or 29 27 Demand debit (checking withdrawal) 28 Prenotification for a demand debit (non-dollar) 29 Zero dollar with remittance data (for CCD, CTX, and IAT entries) Savings credits Code Description 30 Reserved 31 Return or Notification of Change for original transaction code 32, 33, or 34 32 Savings credit (savings deposit) 33 Prenotification for a savings credit; death notification (non-dollar); automated enrollment entry (non-dollar) 34 Zero dollar with remittance data (for CCD, CTX, and IAT entries); acknowledgement entries (ACK and ATX entries) Savings debits Code Description 35 Reserved 36 Return or Notification of Change for original transaction code 37, 38, or 39 37 Savings debit (savings withdrawal) 38 Prenotification for a savings debit (non-dollar) 39 Zero dollar with remittance data (for CCD, CTX, and IAT entries) Loan credits Code Description 51 Return or Notification of Change for original transaction code 52, 53, or 54 52 Loan account credit 53 Prenotification for a loan account credit 54 Zero dollar with remittance data (for CCD, CTX, and IAT entries) Loan debits Code Description 55 Loan account debit (reversals only) 56 Return or Notification of Change for original transaction code 55