2.2.4 Referral Queue

As part of Transactions, the Referral Queue option allows the user to view all available referral queue.

Referral refers to the process of handling customer transactions, which force the accounts involved in such a transaction to exceed the overdraft limit. Examples of typical transactions, which force an account to move into overdraft, are Standing Instructions or Clearing transactions.

Referral checks can be enabled for those accounts belonging to account classes which are referral enabled. When referral check is enabled for an account, the system checks the available balance (not the current balance) for all transactions involving the account. If a transaction involving the account results in the account moving to overdraft, the account and transaction details will be sent to the Referral Queue. Transaction in referral queues is not posted until the user approves it manually. The user has an option to decline the referral, wherein the transaction does not go through. Note that charge, fee or interest debited to the customer account will not be referred to the Referral Queue.

This topic contains the following subtopics:

• View Referral Queue
  This topic describes the systematic instructions to view all referral queue.