Section III: City National Treasury Net Balance Inquiries You can get quick views of your account balances in Treasury Net, and also expand your view to include multiple balance reporting options. Dashboard View of Account Balances From your Dashboard you can view your Ledger Balance, Current Balance and Total Accessible Balance for your deposit account(s). In addition, the Account Group assigned to that account is provided for your reference. To sort the accounts to sort in ascending or descending within a column, click the column. View All Activity The View All Activity screens (accessed by clicking on the account number from your Dashboard or through Stops and Inquiries on the Navigation bar) contain additional information, including your Related Account Balances and Net Activity Today. 4/2015 Page 1 of 6
Balance Inquiry Your Balance Inquiry screens may also include your Ledger Balance, Current Balance, Total Accessible Balance and Related Account Balance, depending upon your account settings. 4/2015 2 of 6
To access the Balance Reporting module: 1. Click the Balances link on the navigation bar. 2. Click the drop down menu for Account Number or Advanced Search and select the account for which balances are desired. Or, search for the account by clicking the Lookup button and locate your account. 3. Click View Balances to see the available balances for that account. Additional Balance Reporting Additional balance reporting capabilities are available in the reporting functions of Treasury Net. See the section on Reporting for complete information. Balance Definitions The following are definitions of the terms used on Treasury Net to define the balance status available. 4/2015 3 of 6
Ledger Balance - The total balance in your deposit account after the close of the previous business day and therefore as of the start of the current business day. o Includes: Any Float or holds that are present on your account and therefore may include uncollected funds Does not include: Any Related Account Balance. o Displayed on the following screens: Dashboard, View All Activity and Balance Inquiry. Appears in the Previous Day Summary report as Closing Ledger with the associated BAI Code 015. Current Balance - The Ledger Balance in your deposit account plus or minus any memo-posted (or pending ) transaction activity on your deposit account during the current business day. An example of memo-posted transactions may be incoming and outgoing wires or ACH credits and debits on the current business day. o Includes: Any Float or holds that are present on your account and therefore may include uncollected funds. o Does not include: Any applicable Related Account Balance. o Displayed on the following screens: Dashboard, View All Activity and Balance Inquiry. Total Accessible Balance - Your Ledger Balance plus or minus any memoposted (or pending ) transaction activity on your deposit account during the current business day, minus any holds that may exist on your account, plus your Related Account Balance. This balance represents the total amount of funds that are available for immediate withdrawal. o Includes: Related Account Balance and any Float that is present in your account and therefore may include uncollected funds. o Displayed on the following screens: Dashboard, View All Activity, Balance Inquiry and Alert E-mails. Related Account Balance - The balance within your Investment Sweep, Overdraft Line of Credit, Overdraft Sweep, Credit Sweep or Zero Balance Parent account that is tied to your deposit account, if applicable. 4/2015 4 of 6
o Displayed on the following screens: View All Activity and Balance Inquiry. o Does not include: Balances from more than one type of relatable account, i.e., each deposit account can only be related to one other account. Net Activity Today - The net sum of any memo-posted (or pending ) transaction activity in your deposit account during the current business day o Displayed on the following screen: View All Activity. Closing Available (Collected) Balance - Your Ledger Balance minus any Float and/or holds that were present in your account as-of the close of the previous business day. o Includes: The amount of collected funds that were in your account as of the close of the previous business day. o Does not include: Any Related Account Balance. o Appears in the Previous Day Summary report with an associated BAI Code of 045. Next Day Opening Available Balance - Your Closing Available (Collected) Balance plus any One Day Float that was present in your account as-of the close of the previous business day. This balance represents the amount of collected funds that are available for immediate withdrawal as of the start of the current business day. If you want to withdraw funds from your account without utilizing any uncollected funds (which may incur additional service charges), refer to your Next Day Opening Available Balance. (Keep in mind any memo-posted transactions that may have occurred on the current business day.) o Does not include: Any Related Account Balance. o Appears in the Previous Day Summary report with an associated BAI Code of 040. 4/2015 5 of 6
Float - The portion of your balance that is in an uncollected status (Refer to your Deposit Account Agreement for additional information and disclosures regarding Float). o Appears in the Previous Day Summary report. 4/2015 6 of 6