Enumeration Definitions

ACH Categories

Following are valid categories for ACH transaction types. These may appear anywhere ACH transactions appear, including methods to get individual or lists of transactions, and individual webhooks.

ACH Category	Value Returned in Transaction Schema
State Tax Refund	str
Federal Tax Refund	ftr
Tax Refund Loan	trl
Government Benefits	gb
Child Support	cs
Internet Transfer	it
Payroll	pr
Unknown	uk
SPECIAL	spc
Commercial	com
Other Pay	opy
Unemployment	ui
Pension	pn

Discard Reasons

The following values may be returned on a declined check deposit attempt. Green Dot may return additional values in the future.

discardReason	Notes
3 rd Party Items are not accepted via mobile device	Checks made to someone other than the account holder cannot be deposited by mobile devices.
Altered Items	Suspected alternation that is not necessarily fraudulent May result in blocked account if deemed to be altered in a fraudulent way
Back of check not endorsed for Mobile Deposit	Checks without a signature written on the back.
Check is void due to date	Checks that cannot be deposited due to expired dates.
Check will not clear at this time	These are checks requiring further validation due to suspicious circumstances, such as a date over six months.
Declined Activity	Customers who have multiple declined and returned checks. May result in a blocked account if decline activity exceeds allowable threshold.
Duplicate Item	Checks that have already been deposited.
Endorsement missing	Checks without signature written on the back.
Exceeds 30-Day Rolling Deposit Limit	Consecutive checks that exceed the 30-day deposit amount limit.
Exceeds Daily Limit	Checks that exceed the daily deposit limit.
High Risk Items	Items such as money orders, loan checks, or cashier/official checks.
Illegible image	Checks with image defects (blurry, etc.).
MICR line is not being accepted. Please take ….	The MICR line on the check is either invalid or will not scan properly.
Non- negotiable	Missing endorsement, missing maker signature, VOID written on check, stale date (over 6 months), non-check item (coupon), etc.
Non-Conforming Image	These are checks that include characteristics such as faint writing, colorful backgrounds, out-of-spec printing.
Non-negotiable	Checks or deposit slips that cannot be exchanged for cash.
Payee not on account	The payee account details are invalid and/or the account is not found.
Per members request	Checks for which the account holder has rejected for deposit.
Restrictive Endorsement Missing	Checks without “for mobile deposit only” written on the back.
Third Party Check	Checks made to someone other than the account holder, a partial name mismatch, or PPO (Preferred Provider Organization) reviewer is unable to verify the relationship with the account holder.

External Bank Verification Method

These are the only acceptable values for bankAccountVerificationMethod during ACH Pull Transactions.

Value	Description
Yodlee	The external bank account has been validated using the 3rd party Yodlee API.
Quovo	The external bank account has been validated using the 3rd party Quovo API.
Plaid	The external bank account has been validated using the 3rd party Plaid API.
Micro Deposits	The external bank account has been validated via micro deposits made to the account and verified by the accountholder.

Payment Amount Option for AMM Rule

When a payment is made to a loan or credit product via automatic money movement, one of these values is returned. These will be returned in object in Camel Case.

paymentAmountOption
Minimum payment
Current Balance
Statement Balance
Other Amount

Payment Identifier Status

These will be returned in objects in Camel Case.

Payment Identifier Status
Activated
Not Activated
Not Activated
Closed

Payment Identifier Status Reasons

These will be returned in objects in Camel Case.

PaymentIdentifierStatusReasons
Lost/Stolen
Customer Initiated Hold
Awaiting Call Back
Confirmed Fraud
Account Block
Customer Initiated Closing
Issuer Initiated Closing
Falcon
Virtual Analyst
Mass Compromised
Lost
Stolen
UnauthorizedUse
Compromised

Payment Instrument Status

These will be returned in objects in Camel Case.

Payment Instrument Status
Activated
Not Activated
Deactivated

Payment Instrument Status Reasons

These will be returned in objects in Camel Case.

PaymentInstrumentStatusReasons
Damaged
Never Received
Returned Mail
Expired
Unused Card
Lost/Stolen
Upgraded
Name Change
SuspiciousActivity
MassCompromised
Lost
Stolen
UnauthorizedUse
Compromised

Payment Instrument Type

These will be returned in object in Camel Case

PaymentInstrumentType
Virtual
Magstripe
EMV
ContactlessEmv

Source Option for AMM rule

When a payment is made to a loan or credit product via automatic money movement, one of these values is returned. These will be returned in object in Camel Case

sourceOption
DDA
ACH Pull

Terms Identifiers

The table below represents values that can be sent as a terms acceptance terms Identifier. See your Green Dot representative for specific terms the accountholder must send.

Terms Identifier	Description	Required at Enrollment
Daa	Account Agreement	Y
Eca	Electronic Communications Agreement	Y
privPlcy	Debit Card Data Sharing Opt In	Y
isIRSCert	Taxpayer ID Certification Agreement	N
billPay	Bill Pay Agreement	N
Csa	Credit Card Cardholder & Security Agreement	N
dataShare	DataShare Agreement	N
ecascc	Electronic Communications Agreement - Secured Cards	N
EqCSA	Equifax Credit Score Agreement	N
eWalletTC	eWalletTermsConditions	N
MobileApp	Mobile App Terms	N
mrdc	Mobile Remote Deposit Capture Agreement	N
negBal	Terms for Backup Balance feature	N
overdraft	Terms for Overdraft Tier Agreement	N
privPlcysc	Credit Card Data Sharing Opt In	N
svngsPurse	Cushion/Envelope Agreement	N
TcpaInfo	TCPA Informational Messaging Express Consent	N
TcpaPromo	TCPA Promotional Messaging Express Written Consent	N
TechPrivcy	Technology Privacy Statement	N