Questionnaire and micro-data collection

FDIC Overdraft Protection Survey II
Customer/Transactions Level Data Request
Final Version: January 22, 2007

Table of Contents
Page
Download Descriptions

ii

Download Instructions

iii

Program Definitions

iv

I. Download I: Customer List
A. Fields Requested
B. Example

1
3

II. Download II: NSF Transactions File
Automated Promoted, Automated Non-Promoted, and Ad Hoc Overdraft Programs
A. Fields Requested
B. Example

4
5

Download Descriptions
The customer level data request consists of three separate downloads. They are:
Download I: Customer List
A complete listing of all of the customers for the institution's checking accounts, for 2006. The listing should
identify customers using an anonymous customer ID number (field 2). This number should be unique to each
individual holding an account or multiple accounts within the institution. The account ID (field 3) need only be
unique for each of a particular customer's accounts. For example, Mr. John Doe may have three separate
accounts within the institution. His unique ID could be "1" and his accounts could be numbered "1," "2," and "3."
Ms. Jane Doe with two accounts within the institution could have a unique ID of "2" and her accounts numbered
"1," and "2." No other customers of the institution, however, should have the ID's of "1" or "2."
Download II: NSF Transactions File
Automated Promoted, Automated Non-Promoted, and Ad Hoc Overdraft Programs
A complete listing of NSF transactions paid or returned under the institution's automated promoted, automated nonpromoted, or ad hoc overdraft protection programs, for the customers listed in Download I, the "customer list," in
2006. If a customer had no NSF activity covered under any of these three programs, then he would not appear on
this transactions file, even though he is on the "Customer List" of Download I. Each NSF item should appear as
one record on this listing. A customer and his specific account activity will be linked to the customer list using his
anonymous customer ID number and account ID numbers.

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Final Version: January 22, 2007

Download Instructions
1. File Naming Conventions
Download I: cust_cert_surveydate
Download II: nsf_cert_survey date

Where "cust" and "nsf" are characters as is, "cert" is the institution's FDIC certificate number, and "surveydate" is
the date Survey II was completed by the institution (YYYYMMDD). The three terms should be separated by
underscores "_". For example, an institution's Customer List may be named "cust_99999_20060131."

2. Variable Naming
For all three data download files, please include a header row with the variable names that we provide in the
following "Fields Requested."

3. File Format
Please provide the files in comma-delimited ".csv" format, with text fields surrounded by quotes.

4. Media Format
Please provide the data downloads on CD or DVD format. If necessary due to large file sizes, the files may be
zipped and saved on multiple CD's. In this case, please use an arbitrary but natural break to separate the disks,
for example, by months or by region of activity.
If the data are encrypted, please provide the name of the appropriate contact person and his/her contact telephone
number and email address, in order for the FDIC to obtain the necessary password to decrypt the data.
Please retain a back-up copy of the data provided to the FDIC, in the event that the original data are lost in transit.

5. Shipping Directions
Please ship the data overnight to:
The Federal Deposit Insurance Corporation
3501 Fairfax Drive
Arlington, VA 22226
Attn: P. Cashman
F6028, 202.898.6534
Please mark the envelope "Media Enclosed - Do Not X-Ray."

6. Survey Guidance
Please note that the FDIC will be conducting weekly conference calls to brief institutions on how to complete the
Overdraft Porctection Survey - Part II downloads before they begin their data collection processes. This will be an
opportunity to ask general questions and hear the questions that other institutions may have. Subsequent to the
general conference call, insitutions will have the opportunity to call in and receive one-on-one guidance for issues
and questions that are particular to the institution.

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Final Version: January 22, 2007

Program Definitions
(1) Linked Transfer Accounts
A contractual agreement between a bank and a customer, linking the customer’s transactions account with other
accounts within the bank, including savings and credit card accounts. In the event of an overdraft, the bank will
fulfill the customer’s obligations by transferring funds from the customer’s other accounts linked to his transactions
account.
(2) Overdraft Lines of Credit
A contractual agreement between a bank and a customer that the bank is willing to lend up to a specified amount
over a specified future period to cover overdrafted items. These programs DO NOT include line of credit programs
that do not specifically cover overdrafted items, for example, home equity lines of credit. The bank extends the line
of credit after reviewing a customer using standard underwriting criteria; the line is considered a loan and requires
standard Truth-in-Lending (Regulation Z) disclosures.
(3) Automated Promoted Overdraft Protection
A program or policy where a bank generally honors a customer’s overdrafted obligations, and customers ARE
informed of the existence of the overdraft protection program. The program is uniformly offered to qualifying
customers. Excluded are all overdraft programs where an APR is required. The program is automated in the sense
that standardized procedures or a "matrix" is used to determine whether the NSF item qualifies for the overdraft
protection. Automated programs are typically, but not necessarily, computerized.
(4) Automated Non-Promoted Overdraft Protection
A program or policy where a bank generally honors a customer’s overdrafted obligations; however, customers are
NOT informed of the existence of the overdraft protection program. The program is automated in the sense that
standardized procedures or a "matrix" is used to determine whether the NSF item qualifies for the overdraft
protection. Automated programs are typically, but not necessarily, computerized.
(5) Non-Automated Non-Promoted Ad Hoc Overdraft Protection
These include truly incidental and discretionary accommodations to customers by banks to honor overdrafted items.
These decisions are made independent of or override the programs described in (1) through (4).

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Final Version: January 22, 2007

Table IA
Download I: Customer List
Fields Requested

Section

Institution &
Customer
Identifiers

Field
Number

Field Name

1

cert

2

cust_id

3

acct_id

4

cust_cit

5

cust_st

6

cust_zip

7

cust_yob

8

acct_dat

Field Description
FDIC Certificate Number
This value should be the same for every record for the institution.
Unique Anonymous Customer ID
A customer ID, unique to each customer within the institution. Other individuals on
the Customer List should NOT have the same value as another customer.
Depending on the number of accounts the customer has within the institution, there
may be multiple records for the same cust_id.
Account ID
An account ID, unique to each account held by customer. The numbering
convention may repeat across customers.
Customer City
City name of the customer's address. Do not include any commas; however city
names with more than one term may be spaced. (For example: Salt Lake City)
Customer State
2 letter state postal abbreviation of the customer's address. (For example, for
California: CA)
Customer 9 Digit Zip Code (XXXXXXXXX)
9 digit postal zip code of the customer's address, with 5 digit prefix and 4 digit suffix.
(For example: 112381234). This variable MUST be provided in the complete 9-digit
format.
Year of Birth (YYYY)
4 digit year of customer's birth. (For example: 1965) Note: In cases of accounts
with multiple account holders, only one instance of the account should be reported,
and the birth year of only one account holder reported. In these instances, list the
year of birth of the primary or first listed account holder. Typically, this is the
individual for which the institution has a Social Security or Tax ID number.
Date Account Opened (YYYYMMDD)
8 digit date of when the customer's account was opened. Begin with year, then
month, then day, including any leading zeroes. (For example, January 1, 1990
would be: 19900101)
Account Type
Choose one of the following 1 digit codes to indicate the type of deposit account:
1 = Checking
2 = Money Market
3 = NOW

Account
Profile

4 = Savings
9

10

acct_typ

acct_cat

5 = Other
Account Category
Choose one of the following 1 digit codes to indicate to which category of customer
the account holder belongs:
1 = Consumer
2 = Commercial, Farm, Non-Profit (e.g. churches and schools), or Local, City,
State, or Federal Government
3 = Internal (e.g. official checks)
Special Consumer Accounts
Choose one of the following 1 digit codes to indicate whether the consumer account
was open under a special program that the institution offers:
1 = Special Account for Military
2 = Special Account for Seniors
3 = Special Account for Students
4 = Other 1 (Self Describe)

Account
Profile

5 = Other 2 (Self Describe)
6 = Other 3 (Self Describe)

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Final Version: January 22, 2007

7 = Not a Special Account

Account
Profile,
con't

11

acct_spc

Note 1: This indicator is solely for the account, not the individual customer. For
example, if a senior opens a regular savings account, then the correct code would
be "7." However, if she opens a savings account which is eligible only to seniors,
then the correct code is "2." If an individual in the military has an account which is
not a special account offered only to the military, then the account would also be
coded "7" rather than a "1."
Note 2: If the institution offers other "special" consumer accounts, please use Codes
4, 5, and 6 and provide a separate listing of what accounts those codes represent.
Social Security Benefits Recipient
Is this account specially denoted as receiving Social Security benefits?
1 = Yes

12

Overdraft
Coverage

acct_ss

13

acct_bal

14

acct_lnk

15

acct_loc

16

acct_pod

17

acct_np

2 = No or cannot tell
Average Account Daily Balance
For this specific account, the dollar amount of the customer's annual average
balance in 2006. Do not include any commas or dollar signs. (For example, an
average balance of $5,613.42 should be entered as: 5613.42.)
Linked Transfer Accounts
Choose one of the following 1 digit codes to indicate if the customer had this type of
overdraft coverage for the particular account:
1 = Yes
2 = No
Note: An account may have more than one type of overdraft coverage.
Lines of Credit
Choose one of the following 1 digit codes to indicate if the customer had this type of
overdraft coverage for the particular account:
1 = Yes
2 = No
Note: An account may have more than one type of overdraft coverage.
Automated Promoted Overdraft Protection
Choose one of the following 1 digit codes to indicate if the customer had this type of
overdraft coverage for the particular account:
1 = Yes
2 = No
Note: An account may have more than one type of overdraft coverage.
Automated Non-Promoted Overdraft Protection
Choose one of the following 1 digit codes to indicate if the customer had this type of
overdraft coverage for the particular account:
1 = Yes
2 = No
Note: An account may have more than one type of overdraft coverage.

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Final Version: January 22, 2007

Table IB
Download I: Customer List
Example
Institution & Customer ID's
(1)
(2)
(3)
cust_id acct_id
cert
99999
99999
99999
99999
99999
99999

1
1
1
1
2
2

4
3
2
1
2
1

(4)
cust_cit
Washington
Washington
Washington
Washington
Indio
Indio

Customer Profile
(5)
(6)
cust_st
cust_zip
DC
DC
DC
DC
CA
CA

200101234
200101234
200101234
200101234
123455678
123455678

(7)
cust_yob
1965
1965
1965
1965
1970
1970

(8)
acct_dat

(9)
acct_typ

20060331
19951221
19900101
19900101
19951201
19951201

3
2
1
4
1
4

3

Account Profile
(10)
(11)
acct_cat acct_spc
1
1
1
1
2
2

2
1
1
1
1
1

(12)
acct_ss
2
2
2
2
2
2

Overdraft Coverage
(13)
(14)
(15)
(16)
(17)
acct_bal acct_lnk acct_loc acct_pod acct_np
4520.00
3000.00
2561.27
271.22
1081.31
352.37

2
2
1
1
1
2

2
2
1
2
1
2

2
2
1
2
1
2

Final Version: January 22, 2007

2
2
2
2
2
2

Table IIA
Download II: NSF Transactions File
Automated Promoted, Automated Non-Promoted, and Ad Hoc Overdraft Programs
Fields Requested

Section

Institution &
Customer
Identifiers

Overdraft
Activity

Field
Number

Field Name

1

cert

2

cust_id

3

acct_id

4

nsf_date

5

tran_typ

6

nsf_dec

7

paid_und

8

nsf_fee

9

nsf_waiv

10

nsf_amt

Field Description
FDIC Certificate Number
This value should be the same for every record for the institution.
Unique Anonymous Customer ID
A customer ID, unique to each customer within the institution.
Account ID
An account ID, unique to each account held by customer. Depending on the
customer's level of NSF activity, there may be multiple records for the same
cust_id/acct_id combination.
Date of NSF Item (YYYYMMDD)
8 digit date of the NSF item. Begin with year, then month, then day, including any
leading zeroes. (For example, January 1, 2005 would be: 20050101)
Transaction Type
If electronically identifiable, choose one of the following 1 digit codes to indicate
for what type of transaction the NSF activity was related:
1 = Paper checks/Equivalents
2 = ATM withdrawals
3 = Debit cards/POS
4 = Electronic billpay
5 = Automated debit
6 = ACH
7 = Other
NSF Decision
Choose one of the following 1 digit codes to indicate whether the NSF item was
paid or returned by the institution:
1 = Paid NSF
2 = Returned NSF
Paid Under This Overdraft Program
Choose one of the following 1 digit codes to indicate under what overdraft
program the NSF item was paid:
1 = Automated Promoted or Automated Non-Promoted Overdraft
2 = Ad Hoc and/or Paid Outside of Program Parameters
3 = NSF Item Not Paid
Note: If the answer for Field Number 6 is "2," the NSF item was returned, then the
answer to Field Number 7 should always be "3," the NSF item was not paid.
Fee Charged on NSF Item
The dollar amount of the fee charged on the NSF item. Do not include any
commas or dollar signs. (For example, a fee of $20.50 should be entered as:
20.50)
NSF Fee Waivers
Choose one of the following 1 digit codes to indicate whether any fee was waived
or refunded in relation to the NSF item:
1 = Fee Waived or Refunded
2 = Fee Not Waived nor Refunded
$ Amount of NSF Item
The dollar amount of the NSF item. Do not include any commas or dollar signs.
(For example, an NSF item of $213.12 should be entered as: 213.12)

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Final Version: January 22, 2007

Table IIB
Download II: NSF Transactions File
Automated Promoted, Automated Non-Promoted, and Ad Hoc Overdraft Programs
Example

(1)

Institution & Customer ID's
(2)
(3)

cert

cust_id
99999
99999
99999
99999
99999
99999

acct_id
1
1
1
1
2
2

2
2
2
2
1
2

(4)

(5)

(6)

Overdraft Activity
(7)

(8)

(9)

(10)

nsf_date

tran_typ

nsf_dec

paid_und

nsf_fee

nsf_waiv

nsf_amt

20050101
20050102
20050103
20050104
20051201
20051201

1
2
1
5
3
1

1
1
1
2
1
2

5

1
1
2
3
1
3

20.00
20.00
20.00
20.00
20.00
20.00

2
2
2
1
2
2

20.36
100.00
151.20
50.00
200.00
1000.00

Final Version: January 22, 2007