Transaction Types

Standardized transaction type codes used in the rs_transaction_type field.

Overview

RiskScout normalizes your institution's transaction codes to these standard categories. This enables consistent monitoring rules across all institutions.

Your original transaction code is preserved in the code field, while rs_transaction_type contains the mapped standard value.

Code Values

Code	Description
Wire	Any codes that represent a wire transfer
International Wire	Any codes that represent international wire transfers
Check	Any codes that represent a check
On Us Check	Any codes that represent an "on us" check
Check Deposit	Transactions that involve depositing a check into an account
Check redeemed for cash	Transactions where third-party checks are cashed at the institution
On-Us Check redeemed for cash	Transactions where checks issued by the institution are cashed out at the same institution
ACH	Automated Clearing House transactions processed through batch system for payments and deposits
ACH-POS	Point-of-Sale ACH transactions initiated electronically, typically for debit payments at merchant locations
External Financial Institution Transfer	Interbank transfers (e.g., ACH). Use if your institution doesn't distinguish between external and internal
Internal Financial Institution Transfer	Transfers to/from accounts held within your financial institution
P2P	Person-to-Person transfers
Debit Card	Debit card transactions
Credit Card	Credit card transactions
Cash	Transactions involving deposit or withdrawal of physical currency
Cash In Deposit	Transactions where physical currency is deposited into an account
Cash Out Withdrawal	Transactions involving withdrawal of physical cash from an account
Cash ATM Transaction	Transactions executed through an ATM with cash
Non-Cash ATM Transaction	Transactions executed through an ATM without cash
ATM General	General ATM transactions
Cash Advance on Credit	Cash advance from a credit card
Cash Equivalent Redemption	Redemption of monetary instruments (cashiers checks, money orders, prepaid cards)
Cash Equivalent Purchase	Funding of monetary instruments (cashiers checks, money orders, prepaid cards)
Pre-Paid Card Purchase	Transactions to load a prepaid card
Currency to prepaid access	Transactions that convert currency into prepaid cards or stored-value instruments
Currency from prepaid access	Transactions where funds from prepaid cards are exchanged for currency
Currency Exchange (USD)	Conversion of USD to other denominations of USD
Foreign Exchange	Conversion or use of physical foreign currency
Negotiable Instrument purchased with cash	Negotiable instruments (money orders, cashier's checks) bought with cash
Negotiable Instrument redeemed for cash	Cashing or redemption of negotiable instruments
Negotiable Instrument purchased with split	Negotiable instruments purchased using mix of cash and non-cash funds
Negotiable Instrument redeemed for split	Negotiable instruments redeemed with both cash and non-cash funds
Split	Transactions involving dividing funds among different accounts or purposes
CD Closeout	Closing a certificate of deposit and releasing the funds
Remote Deposit Capture	Mobile or remote check deposit
Sweep	Automated balance sweeps between accounts
Deposit General	Deposits not otherwise classified
Withdrawal General	Withdrawals not otherwise classified
GL	General Ledger entries
Fees, interest, and non-transaction actions	Fees, interest, balance checks, or other income-type transactions
Reversal	Transaction reversals
Other	Transaction codes that don't fit pre-defined categories
Placeholder	Codes where description doesn't accurately reflect usage
Ignored	Transactions flagged as ignored and excluded from processing

Usage Example

code,code_description,rs_transaction_type,amount,debit_credit
101,WIRE OUT,Wire,50000,D
201,CHECK DEP,Check Deposit,25000,C
301,ATM WDRL,Cash ATM Transaction,20000,D

Mapping Process

During onboarding, we work with you to map your transaction codes:

1. You provide a list of all transaction codes with descriptions
2. We create mappings to standard rs_transaction_type values
3. You review and approve the mappings
4. Mappings are applied automatically during data import

Cash-Related Categories

For CTR reporting and cash monitoring, these categories are particularly important:

• Cash / Cash In Deposit / Cash Out Withdrawal
• Cash ATM Transaction
• Negotiable Instrument purchased with cash
• Negotiable Instrument redeemed for cash
• Cash Equivalent Purchase / Cash Equivalent Redemption

Ensure accurate mapping of cash-handling transaction codes.