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How can I interpret ACH subtypes on the Synctera Platform?

ACH transactions have unique subtypes that can be filtered for in Transaction Lists. What do they mean exactly? Outgoing: Synctera/Bank is ODFI
Incoming: Synctera/Bank is RDFI

Whether it is marked as debit/credit is within the frame of reference of the institution receiving the ACH (RDFI). E.g.
  • Outgoing debit: “I am debiting your account”
  • Incoming credit: “You are crediting my account”
More concretely:

Outgoing debit: Originated with Synctera’s ACH API, pulling money from an external account into the Synctera account.
Balance impact: Debit to external account, Credit to Synctera account

Outgoing credit: Originated with Synctera’s ACH API, pushing money out of the Synctera account into an external account.
Balance impact: Debit to Synctera account, Credit to external account

Incoming credit: Originated at another institution, pushing money from the external account into the Synctera account.
Balance Impact: Debit to external account, Credit to Synctera account

Incoming debit: Originated at another institution, pulling money from the Synctera account into the external account.
Balance Impact: Debit to Synctera account, Credit to external account.