Data values

7-minute read 2.3.0 | updated Dec. 13, 2023

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:

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:

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:

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:

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:

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:

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:

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