CINCH Savings & Loan Manual
Version 18.3 M1
December 2019
Introduction
What's in this Manual?
Symbols and Conversions
Supported Versions
Part 1: CINCH Savings & Loan Installation
Chapter 1: Installing CINCH Savings & Loan
Prerequisites
Installing CINCH Savings & Loan
CINCH Savings & Loan Documents
Reg Key Maintenance Savings & Loan
Chapter 2: Upgrading CINCH Savings & Loan
Upgrading Prerequisites
Upgrading CINCH Savings & Loan
Part 2: CINCH Savings Plan
Chapter 3: CINCH Savings Plan Setup
Savings Number Maintenance
Savings Setup
Plan Maintenance
Savings Interest Schedule Maintenance
Savings Account Maintenance
Chapter 4: CINCH Savings Plan Transactions
Savings Batch Maintenance
Transaction Maintenance
Transfer Entry
Chapter 5 CINCH Savings Plan Inquiries
Account Balance Inquiry
Account Balance Inquiry List
Chapter 6: CINCH Savings Plan Reports
Savings Reports
Savings Statements
Chapter 7: CINCH Savings Plan Routines
Interest Posting
Part 3: CINCH Loan Plan
Chapter 8: CINCH Loan Plan Setup
Loan Number Maintenance
Loan Setup
Loan Plan Maintenance
Loan Interest Schedule Maintenance
Loan Account Maintenance
Sales Setup
Chapter 9: CINCH Loan Plan Transactions
Loan Batch Entry
Loan Transaction Entry
Loan Transfer Entry
Loan Transaction Transfer
Loan Plan Advancing Sales
Chapter 10 CINCH Loan Plan Inquiries
Loan Account Balance Inquiry
Loan Account Balance Inquiry List
Chapter 11: CINCH Loan Plan Reports
Loan Reports
Loan Statements
Chapter 12: CINCH Loan Plan Routines
Loan Interest Compounding

Introduction

CINCH Savings Plan provides companies the ability to track customer funds in a savings account. Rate plans can be established and adjusted to accrue interest; funds can be deposited and withdrawn from the accounts through integration to Microsoft Dynamics GP general ledger, bank reconciliation and accounts payable modules.
CINCH Loan Plan provides the ability to account for customer loans and track lending activity, including advances, interest accruals, transfers and repayments. Loan advances (borrowing) can come in the form of cash advances or purchase of crop inputs.
This information is current as of December 2019. Refer to the What's New documents accompanying updates for the most updated information about CINCH Savings & Loan.
This introduction is divided into the following sections:
 What's in this Manual?
 Symbols and Conversions
 Supported Versions

What's in this Manual?

This manual introduces you to CINCH Savings & Loan and presents important information on how to setup your system as well as how to maintain system information. It is divided into the following parts.
 Part 1: CINCH Savings & Loan Installation. This part describes how to install and Upgrade CINCH Savings & Loan.
 Part 2: CINCH Savings Plan. This part describes the CINCH Savings Plan.
 Part 3: CINCH Loan Plan. This part describes the CINCH Loan Plan.

Symbols and Conversions

This manual uses the following symbols and conventions to make specific types of information stand out.

Supported Versions

CINCH Savings & Loan version 18.3 M1 is supported on Microsoft Dynamics GP 18.2 (18.2.1036 (2019) and CINCH 18.3. CINCH Savings & Loan is compatible with Microsoft SQL Server 2014 or later - Enterprise Edition or Standard Edition.
Multicurrency is currently NOT supported within CINCH Savings and Loans.

Part 1: CINCH Savings & Loan Installation

This part of the documentation describes how to install and upgrade CINCH Savings & Loan.
 Chapter 1: Installing CINCH Savings & Loan. This chapter explains how to install CINCH Savings & Loan.
 Chapter 2: Upgrading CINCH Savings & Loan. This chapter explains how to upgrade CINCH Savings & Loan.

Chapter 1: Installing CINCH Savings & Loan

This chapter will explain how to install CINCH Savings & Loan.
If running a previous version of CINCH Savings & Loan proceed to Upgrading CINCH Savings & Loan.
This chapter will contain the following sections:
 Prerequisites
 Installing CINCH Savings & Loan

• CINCH Savings & Loan Documents
• Reg Key Maintenance Savings & Loan

Prerequisites

Before you begin the CINCH Savings & Loan Installation process, please complete the following steps.

1. Make sure no users are logged into the Dynamics GP system.
2. Make sure you have a recent backup of your Company database.
3. Make sure you have backup copies of your CINCH Savings and Loan Forms (F6924.dic) and/or Reports (R6924.dic) dictionaries.
4. Make sure you are running supported version of Microsoft Dynamics GP.

Installing CINCH Savings & Loan

1. Extract/unzip the files from zip file into a shared folder.
2. Copy and paste the .cnk file into the location where Microsoft Dynamics GP is installed (typically, the default location is C:\Program Files\Microsoft Dynamics\GP).
3. Launch Dynamics GP.
4. You will receive a message that Dynamics needs to include new code, click on YES.
5. Go to Microsoft Dynamics GP>>Maintenance>>SQL.
   • Choose DYNAMICS database.
     • Select Cinch Saving & Loan as the product.
     • Highlight all of the objects listed in the scrolling window.
     • Mark the checkboxes labeled 'Create Auto Procedure' and 'Create Table.' (DO NOT MARK THE 'DROP TABLE' CHECKBOX OR YOU WILL LOSE ALL OF YOUR CINCH DATA!).
     • Click the Process button.
   • Choose your company database.
     • Select Cinch Saving & Loan as the product.
     • Highlight all of the objects listed in the scrolling window.
     • Mark the checkboxes labeled 'Create Auto Procedure' and 'Create Table.' (DO NOT MARK THE 'DROP TABLE' CHECKBOX OR YOU WILL LOSE ALL OF YOUR CINCH DATA!).
     • Click the Process button.
   • When the process has finished, you may close both windows. You do not need to Bind Defaults at this time.
6. Go to Microsoft Dynamics GP>>Maintenance>>Savings and Loan>>Table Utility.
   • Choose Cinch Saving & Loan in the Product List.
   • Choose System in the File Series List.
   • Click All>> to insert all tables into the right hand side.
   • Click Compare Tables.
   • When the Compare Tables process is finished, a window will appear with a message that some tables need upgrading. Click on Rebuild All.
7. Within Table Utility:
   • Choose Cinch Saving & Loan in the Product List.
   • Choose Project in the File Series List.
   • Click All>> to insert all tables into the right hand side.
   • Click Compare Tables.
   • When the Compare Tables process is finished, a window will appear with a message that some tables need upgrading. Click on Rebuild All.
8. Open SQL Server Management Studio and run the following script against the DYNAMICS database:
   • SQLCSPDynamicsProcsR183.sql
9. Within the SQL Server Management Studio, run the following scripts against your Company database:
   • SQLCSPCompanyFunctionsR183.sql
   • SQLCSPCompanyViewsR183.sql
   • SQLCSPCompanyProcsR183.sql
10. Go to Microsoft Dynamics GP>>Maintenance>> Savings and Loan >>Bind Defaults.
    • Click the Bind Table Defaults.
    • Click OK the message prompt "Bind table defaults to all Cinch Tables?"
    • Click OK when prompted "Bind table defaults process is complete without errors."

CINCH Savings & Loan Documents

1. The CSP.chm file located within the CINCH Savings Download PDF Manuals folder needs to be placed in the Dynamics folder (the default location is C:\Program Files\Microsoft Dynamics\GP).
2. The remaining files located within the CINCH Savings Download PDF Manuals folder need to be placed in the Dynamics Documentation folder (the default location is C:\Program Files\Microsoft Dynamics\GP\Documentation). The files are as follows:
   • Cinch Savings & Loan Manual.pdf
   • LICENSE AGREEMENT Cinch 0719.pdf
3. Repeat CINCH Saving & Loan Documents steps on each server/workstation that has CINCH Savings & Loan installed.

Cinch Savings & Loan Setup

Reg Key Maintenance Savings & Loan

Reg Key Maintenance Savings & LoanD2HML|C1H Conditional|platform=manual

1. Open Reg Key Maintenance Savings.

(Microsoft>Dynamics GP>Tools>Setup>Savings and Loan>Reg Keys)

1. Enter the Site Name and Registration Keys provided by Cultura Technologies Support.
2. Click Ok to close the window.

Chapter 2:Upgrading CINCH Savings & Loan

This chapter will explain how to upgrade CINCH Savings & Loan.
This chapter will contain the following sections:
 Upgrading Prerequisites
 Upgrading CINCH Savings & Loan

Upgrading Prerequisites

Before you begin the CINCH Savings & Loan Upgrade process, please complete the following steps.

1. Make sure no users are logged into the Dynamics GP system.
2. Make sure you have a recent backup of your Company database.
3. Make sure you have backup copies of your CINCH Savings & Loan Forms (F6924.dic) and/or Reports (R6924.dic) dictionaries.
4. Make sure you are running supported version of Microsoft Dynamics GP.

Upgrading CINCH Savings & Loan

1. Extract/unzip the files from zip file into a shared folder.
2. Copy and paste the .cnk file into the location where Microsoft Dynamics GP is installed (typically, the default location is C:\Program Files\Microsoft Dynamics\GP).
3. Launch Dynamics GP.
4. You will receive a message that Dynamics needs to include new code, click on YES.
5. Go to Microsoft Dynamics GP>>Maintenance>>Savings and Loan>>Table Utility.
   • Choose Cinch Saving & Loan in the Product List.
   • Choose System in the File Series List.
   • Click All>> to insert all tables into the right hand side.
   • Click Compare Tables.
   • When the Compare Tables process is finished, a window will appear with a message that some tables need upgrading. Click on Rebuild All.
6. Within Table Utility:
   • Choose Cinch Saving & Loan in the Product List.
   • Choose Project in the File Series List.
   • Click All>> to insert all tables into the right hand side.
   • Click Compare Tables.
   • When the Compare Tables process is finished, a window will appear with a message that some tables need upgrading. Click on Rebuild All.
7. Open SQL Server Management Studio and run the following script against the DYNAMICS database:
   • SQLCSPDynamicsProcsR180.sql
8. Within the SQL Server Management Studio, run the following scripts against your Company database:
   • SQLCSPCompanyFunctionsR180.sql
   • SQLCSPCompanyViewsR180.sql
   • SQLCSPCompanyProcsR180.sql
9. Go to Microsoft Dynamics GP>>Maintenance>> Savings and Loan >>Bind Defaults.
   • Click the Bind Table Defaults.
   • Click OK the message prompt "Bind table defaults to all Cinch Savings Tables?"
   • Click OK when prompted "Bind table defaults process is complete without errors."

Part 2:CINCH Savings Plan

This part of the documentation describes the CINCH Savings Plan.
 Chapter 3: CINCH Savings Plan Setup. This chapter explains how to setup and configure CINCH Savings Plan.
 Chapter 4: CINCH Savings Plan Transactions. This chapter explains the CINCH Savings Plan Transactions.
 Chapter 5 CINCH Savings Plan Inquires. This chapter explains the CINCH Savings Plan Inquires.
 Chapter 6: CINCH Savings Plan Reports. This chapter explains the CINCH Savings Plan Reports.

• • Chapter 7: CINCH Savings Plan Routines. This chapter explains the CINCH Savings Plan Routines.

Chapter 3:CINCH Savings Plan Setup

This chapter explains how to setup and configure CINCH Savings Plan.
This chapter will contain the following sections:
 Savings Number Maintenance

• Savings Setup
• Plan Maintenance
• Savings Interest Schedule Maintenance
• [Savings Account Maintenance

(Microsoft Dynamics GP>Tools>Setup>Savings and Loan>Trx Number Setup)

1. Trx Type, select the transaction type from the drop down list. Options are:
   • Deposit
   • Withdrawal
   • Interest
   • Interest Adjustment
   • Adjustment
   • Transfer
2. Number Prefix, enter up to a three character code that will display at the beginning of all transaction numbers for the specified Trx Type.
   • If there is no record found for a transaction type when selected the system will default in the following values:
     • DEP for Deposit
     • WDR For Withdrawal
     • INT for Interest
     • IAJ for Interest Adjustment
     • ADJ for Adjustment
     • TRF for Transfer
3. Document Number, is the beginning document number to be used for the sequence.
   • If no record has been saved yet for a given transaction type the system will default 0000001 as the starting number.
4. Next Number, this is the next document number that the system will assign to a savings transaction of the specific type.
   • This will be the full number with the prefix so when a number is set in the document number field this one will default.
5. Save button, will save the current changes made for the Trx Type record.
6. Clear button, will clear the window, ignoring any changes made.

Savings Setup

Savings SetupD2HML|C1H Conditional|platform=manual

Savings Setup is used to define the User Defined prompts on the Savings Plan and Savings Account Maintenance windows.

1. Open Savings Setup

(Microsoft Dynamics GP>Tools>Setup>Savings and Loan>Savings Setup)

1. Savings Plan Prompts, when defined will populate the User Defined fields on the Savings Plan Maintenance window.
   • User Defined 1
   • User Defined 2
2. Savings Account Prompts, when defined will populate the User Defined fields on the Savings Account Maintenance window.
   • User Defined 1
   • User Defined 2

Plan Maintenance

Plan MaintenanceD2HML|C1H Conditional|platform=manual

Plan Maintenance is used to define saving plans, including the GL Accounts and checkbook to be used on transactions.

1. Open Plan Maintenance

(Cards>Savings>Plan Maintenance)

1. Plan ID, user defined identifier for the plan.
2. Plan Description, user definable description for the plan.
3. Checkbook, enter or select a valid Dynamics Checkbook ID.
4. Plan Type, defaults to Savings and is not editable.
5. Days Per Year is the number of days per year that will be used when calculating daily rates, typically this is 365, which defaults, but sometimes 360 is used.
6. Note GL Account, GL account for customer deposited funds. Typically a Note or Account Payable liability account.
7. Interest Account, GL account to debit when interest is posted, typically an interest expense.
8. Adjustment Account, GL account to debit/credit when making adjustments.
9. Other GL Accounts:
   • The GL account when cash is received will come from the assigned checkbook id.
   • Account Payable account will come from the vendor.
10. User Defined 1 & 2, are both user defined data and can be up to 20 characters.
11. Acct Number Prefix, enter up to a three character code to be used at the beginning of all Savings Account numbers, displayed in the Savings Account Maintenance window.
12. Account Number, a format of how many characters will be used for the account number, example 00000001.
13. Next Account Number, is the next document number to be used when a new Savings Account is setup, within the Savings Account Maintenance window, that uses this Plan ID.
    • The system will default 0000001 as the starting number but it can be changed.
14. Scrolling Window
    • Message, enter a yes/no type question to be displayed when a plan is selected within the Saving Account Maintenance window. These questions insure that the customer qualifies for the plan. The message can be 80 characters long.
    • Passing Answer, select Yes or No. Only one selection is allowed which specifies the correct answer for the message.
    • Delete Row icon will remove the selected row/message from the list.
15. Save button, will create a new record or update an existing one.
16. Clear button, will clear the window, ignoring any changes made.
17. Delete button, will delete the selected record.
    • If a plan has been used on an account it cannot be deleted.

Savings Interest Schedule Maintenance

Savings Interest Schedule MaintenanceD2HML|C1H Conditional|platform=manual

Savings Interest Schedule Maintenance is used to define interest rate schedules to be used by the system to accrue interest.

1. Open Savings Interest Schedule Maintenance

(Cards>Savings>Interest Schedule)

1. Rate ID, user defined identifier for the interest schedule.
   • This ID will be used to tie the rate to a Savings Account.
2. Rate ID Lookup, will open the Savings Rate Lookup window.

• • Select the Find Restriction:
    • Rate ID
    • Description
    • Current Rate
    • Effective Rate
    • Comment

1. Description, user definable description for the interest schedule.
2. Scrolling Window contains the interest rates by date.
   • Effective Date, the first day that the interest rate should be used in any interest calculations.
     • User cannot add an effective date prior to the latest interest rate effective date in the schedule.
     • The old rate will be assumed to expire the day before the new rate effective date.
     • Date cannot be changed once interest transactions, for accounts using the Rate ID, have been calculated on or after the date.
   • Int Rate, the interest rate to be used when calculating the interest accrual.
     • Rate cannot be changed once interest transactions, for accounts using the Rate ID, have been calculated on or after the Effective Date.
   • Comment, user defined comment about the interest rate line.
   • Delete Row icon will remove the selected row from the list.
     • User is allowed to delete a line in the scrolling window providing no interest transactions for accounts using this schedule have been calculated on or after the Effective Date.
3. Save button, will create a new record or update an existing one.
4. Clear button, will clear the window, ignoring any changes made.
5. Delete button, will delete the selected record.
   • If a schedule is assigned to an account the interest schedule cannot be deleted.

Savings Account Maintenance

Savings Account MaintenanceD2HML|C1H Conditional|platform=manual

Savings Account Maintenance is used to define an account in the system and assign that account to a Dynamics vendor.

1. Open Savings Account Maintenance

(Cards>Savings>Account Maintenance)

1. Select a valid Plan ID.
2. Plan ID Lookup, opens the Plan Lookup window.

• • Select the Find Restriction:
    • Plan ID
    • Plan Description
    • Checkbook ID
    • User Defined 1
    • User Defined 2

1. Account Number, identifier for the account.
   • If a Plan has been entered it will default the next available account number defined in the plan setup window.
   • User can accept the defaulted account number or enter a different number.
   • To view an existing account, the account number can be entered or the looked up feature can be used without entering a Plan ID.
   • Once the user tabs of the line, the message(s) associated with the Plan ID will be displayed. If the wrong answer is selected the screen will reset without saving any changes.
2. Account Number Lookup, opens the Savings Account Lookup window.
   • If a Plan ID has been selected the Savings Account Lookup window will be restricted to display only account numbers associated with the attached Plan ID.
3. Description, user definable description for the account.
4. Select a valid Rate ID.
5. Rate ID Lookup, will open the Savings Rate Lookup window.

• • Select the Find Restriction:
    • Rate ID
    • Description
    • Current Rate
    • Effective Date
    • Comment

1. Maturity Date, the date the savings account is considered over.
   • This date is used for reporting purposes only and is not considered when calculating interest.
2. Interest Option, defines how the interest will be handled. The drop down list has the following options:
   • Generate Check, indicates that interest should be paid out at the time of Interest Posting.
   • Compound, indicates that the interest will be added to the account balance.
3. Vendor, a valid Dynamics Vendor ID.
   • Will default if a Customer is entered and there is a Customer/Vendor Relationship defined.
   • Vendor name will be displayed for the selected vendor.
4. Customer
   • Will default if a Vendor is entered and there is a Customer/Vendor Relationship defined.
   • Customer name will be displayed for the selected customer.
5. Employee, a valid Dynamics Employee ID.
   • Employee name will be displayed for the selected employee.
   • This is currently not used, for future use in conjunction with a payroll deduction.
6. Tax Name, the name used for tax reporting.
   • The name defaults from the Vendor Maintenance, but can be changed.
   • Vendor synchronization does not exist; any updates to the Vendor Maintenance and Savings Account Tax Information are a manual process.
7. Tax ID Number, the social security number or tax id number used for reporting purposes.
   • The ID number defaults from the Vendor Maintenance Options, Tax ID, but can be changed.
     • Tax ID Type can be defined from the drop down list. Options are EIN (Employer Identification Number) or SSN (Social Security Number). The default value will be SSN.
   • Vendor synchronization does not exist; any updates to the Vendor Maintenance and Savings Account Tax Information are a manual process.
8. Address, City, State and Zip Code, used for 1099 reporting.
   • The address information defaults from the Vendor Maintenance, Primary Address, but can be changed.
   • Address synchronization does not exist; any updates to the Vendor Address and Savings Account Tax Information are a manual process.
9. Closed checkbox, when selected will close the account.
   • When an account is closed interest will no longer accrue on the account.
   • User is not able to close an account unless the balance is zero.
   • No transactions can be entered for a closed account.
10. Closed Date, the date the account was closed.
    • This will default to the user date and is not editable.
11. User Defined 1 & 2
    • User defined data up to 20 characters.
12. Save button, will create a new record or update an existing one.
13. Clear button, will clear the window, ignoring any changes made.
14. Delete button, will delete the selected record.
    • If an Account has transactions assigned to it, it cannot be deleted.

Chapter 4:CINCH Savings Plan Transactions

This chapter explains the CINCH Savings Plan Transactions.
This chapter will contain the following sections:
 Savings Batch Maintenance

• Transaction Maintenance
• [Transfer Entry

(Transactions>Savings>Batch Maintenance)

1. Select Batch Type, options are:
   • Trx Entry
   • Transfer
2. Enter or select a Batch ID.
3. Comment describes the batch.
4. GL Batch, batch to be used for the general ledger transactions created.
   • If empty system will created as AAAABB/CC where AAAA = user, BB = month and CC = day.
5. AP Batch, batch to be used for the accounts payable transactions created.
   • If empty system will created as AAAABB/CC where AAAA = user, BB = month and CC = day.
6. Status, options are:
   • Available, available to post.
   • Busy, in use by another user.
   • Posting, in the process of posting.
7. No of Trx displays the number of transactions included in the batch.
8. Batch Total is the total (absolute value) of the transactions in the batch.
9. Refresh button will update batch Status, No of Trx and Batch Total.
10. Save button, will create a new record or update an existing one.
11. Clear button, will clear the window, ignoring any changes made.
12. Delete button, will delete the selected record.
13. Post button, when selected the following will occur:
    • The transactions status will be updated.
    • General Ledger transactions will be created for all attached transactions with the Transaction Type of Deposit, Interest, Interest Adjustment, or Adjustment and placed in a GL Batch.
    • Bank Deposit Entries will be created for all attached transactions with a Transaction Type of Deposit.
    • Accounts Payable transactions will be created for attached transactions with the Transaction Type of Withdrawal and placed in an AP Batch.
    • No Posting Reports will be printed.
14. Printer Icon, when selected the Batch Posting Transaction Edit List will print.

Transaction Maintenance

Transaction MaintenanceD2HML|C1H Conditional|platform=manual

Transaction Maintenance is used to enter transactions into the system or to review transactions that the system has created, i.e. interest accruals.

1. Open Transaction Maintenance.

(Transactions>Savings>Trx Maintenance)

1. Vendor, enter or select a valid Dynamics Vendor ID.
   • Used to limit the scope of the Account Number Lookup to a specific vendor.
2. Account Number, enter or select a valid account number, setup via the Savings Account Maintenance window, assigned to the given vendor.
3. Account Number Lookup, opens the Savings Account Lookup window:

• • Select the Find Restriction:
    • Account Number
    • Account Description
    • Vendor ID
    • Customer
    • Employee ID
    • Plan ID
    • Rate ID
    • Maturity Date
    • Tax Name
    • User Defined 1
    • User Defined 2
  • Select Status from dropdown list.
    • Open, when selected only accounts that are not marked closed, via the Savings Account Maintenance window, will be displayed in the lookup.
      • The list will default to Open when the window is opened but can be changed.
    • Closed, when selected only accounts that have been marked closed, via the Savings Account Maintenance window, will be displayed.
    • All, when selected all accounts, open and closed will be displayed.
  • Show Balance Checkbox
    • When the checkbox is marked the column Balance will be displayed in the list after the Vendor ID. Balance will display the account's Current Balance.

1. Transaction Type, options are:
   • Deposit, creates the following transactions, which will increase the account balance for the Vendor.
     • Creates a GP Bank Deposit Entry into the Checkbook attached to the Savings Plan.
     • Creates a GL entry.
       • Debits the Cash GL Account attached to the Savings Plan's Checkbook ID.
       • Credits the Note GL Account attached to the Savings Plan.
   • Withdrawal, creates the following transactions, which will decrease the account balance for the Vendor.
     • Creates a Dynamics GP Accounts Payable Voucher.
       • User can select the Create Check checkbox which allows for a check to be printed and a payables transaction to be created and placed in an AP Batch (UserNameMM/DD) once the Post Button is selected.
     • Passes the GL information to the Dynamics AP Voucher, which creates the GL Entry during the posting of the AP transaction.
       • Debits the Note GL Account attached to the Savings Plan.
       • Credits the Cash GL Account attached to the Savings Plan's Checkbook ID.
   • Interest, allows the user to only view transactions, both posted and un-posted.
     • Interest transaction must be created using the Interest Posting routine.
   • Interest Adjustment, creates a GL transaction that will update interest totals.
     • Debits/Credits the Interest Account attached to the Savings Plan.
     • Credits/Debits the Note GL Account attached to the Savings Plan.
   • Adjustment, creates a GL transaction. A positive amount will increase the savings balance (like a Deposit) a negative amount will decrease the savings balance (like a Withdrawal).
     • Debits/Credits Adjustment Account attached to the Savings Plan.
     • Credits/Debits Note GL Account attached to the Savings Plan.
2. Transaction Number, uniquely identifies each savings transaction in the system.
   • When the Transaction Type has been selected the next available transaction number for that type will be defaulted, but it can be over ridden.
   • If a transaction number has already been used, the system will not all you to use it again.
3. Batch Number, required to save a transaction. Must be blank to post on the fly.
4. Receipt Type/Check#, fields are only visible if Transaction Type is Deposit.
   • Receipt Type is Check or Cash.
   • Chk# is only editable when the Receipt type is Check.
5. Comment, user defined comment about the transaction. Can be up to 50 characters.
6. Create Check, checkbox only visible when Transaction Type is set to Withdrawal and only allowed to be checked if a batch is not attached to the transaction.
7. Trx Date defaults to the user date once the Transaction Number is set, but it can be over ridden.
8. Effective Date is the date the system will look at when making calculations and showing on statements.
   • On a new transaction it will default to the user date once the Transaction Number is set, but can be over ridden.
     • Will not be editable on a Transaction Type of Interest
   • System will warn user if effective date is more than 5 days different than user date.
   • Back dating
     • The effective date cannot be previous to or equal to the most recent Interest accrual for an account.
     • Back dating a transaction to an effective date prior to other transactions already posted will affect the account balance for those transactions. System has the ability to update the account balance on transactions with dates later than the back dated transaction.
9. Amount is the dollar amount of the transaction.
   • Must be a positive amount for Deposit and Withdrawal type transactions.
   • Interest Adjustments and Adjustments can be either positive or negative amounts.
   • Is not editable on a Transaction Type of Interest.
10. Current Balance is the overall current balance of the account, not including the accrued interest or un-posted transactions.
    • System will calculate the account balance by adding or subtracting the current transaction from the most recent previous transaction. (Previous Transaction Balance + Deposits – Withdrawals + Interest + Interest Adjustments + Adjustment +/- Transfers.)
11. Accrued Interest will display the amount of interest that has accrued since the last interest posting.
12. Accrued Thru will default to the user date when the window is opened.
13. Previous Transactions is a list box that will display all un-posted transactions for the selected account. The following columns will be included in the list box:
    • Transaction Number
    • Transaction Date
    • Effective Date
    • Trx Type
    • Trx Amount
    • Comment
    • Batch
    • Posted Date
    • Created Date
    • Created Time
    • Created User
    • Last Modified Date
    • Last Modified Time
    • Last Modified User
14. Distribution Button will open the Transaction Distribution window which can be used to view / modify the default transaction distributions.

• • OK button will close the window and check the distribution for errors such as total debits and credits don't match, the debit and credit totals do are not for the transaction amount.
  • Delete button will remove all distributions.
  • Defaults button will assign the default distributions based on the account and plan information.

1. Save button, will create a new record and save it to a Savings Batch or update an existing record already attached to a batch.
2. Clear button, will clear the window, ignoring any changes made.
3. Delete button, will delete the selected record.
   • Previous Transactions can be deleted one line at a time but only if they have not been posted.
4. Print button, when selected will print the Transaction Receipt (IRSPTrxReceiptRpt).
5. Go To button, is a drop down list with the following option:
   • Print Statement, when selected, will open the Savings Statements window and defaults the appropriate information to run a statement for the account associated with the selected transaction.
     • Please see the chapter on CINCH Savings Plan Reports for additional information on this window.
   • Print Trx List
     • When selected, this will open the Savings Reports window setting the report option drop down to Account Transactions List by Date - Unposted and populating the account restriction so that a transaction listing can be printed for only the account associated with the selected transaction.
       • Please see the chapter on CINCH Savings Plan Reports for additional information on this window.
6. Post button, allows the user to post the transaction "On the Fly". When selected, it will create the CINCH transaction and batch any associated Dynamics transactions for the selected Transaction Type.
   • See the Savings Batch Maintenance section within this chapter for more information on the naming convention used to create GP batches.

Transfer Entry

Transfer EntryD2HML|C1H Conditional|platform=manual

Transfer Entry is used to transfer funds from one account to another.

1. Open Transfer Entry.

(Transactions>Savings>Transfer)

1. From Account:
   • Vendor, enter or select a valid vendor ID.
     • Used to limit the scope of the Account Number Lookup window to a specific vendor.
   • From Account Number, enter or select a valid account number to transfer from.
   • Account Number Lookup, opens the Savings Account Lookup window.
   • Current Balance, displays the current balance of the selected account. It only includes posted transactions.
   • Balance After Trf, displays what the account balance will be after the transfer process has completed.
   • Unposted Balance, displays the unposted balance for the selected account.
2. To Account
   • Vendor, enter or select a valid vendor ID.
     • Used to limit the scope of the Account Number Lookup window to a specific vendor.
   • To Account Number, enter or select a valid account number to transfer to.
   • Account Number Lookup, opens the Savings Account Lookup window.
   • Current Balance, displays the current balance of the selected account. It only includes posted transactions.
   • Balance After Trf, displays what the account balance will be after the transfer process has completed.
   • Unposted Balance displays the unposted balance for the selected account.
3. Batch Number needed when saving a transfer.
   • Must be blank to post on the fly, GL batch will be created as AAAABB/CC where AAAA = user, BB = month and CC = day.
4. Effective Date is the date the transaction will be effective. Date will default to the user date but can be over ridden.
   • Date cannot be prior to the last interest posted for either account involved.
5. Amount, is the amount of the transfer. Can only be a positive number.
6. Comment, user comment that will be saved with the transfer transactions.
7. Transfer Number is a system generated identifier to track the transfer.
8. Transaction Date is the date the transaction is being entered on, this defaults to the user date.
9. Distribution button will open the Transfer Distribution window and can be used to view / modify the default transaction distributions.

• • The system will only create default distributions when the Note GL Account assigned to the plans, for the accounts, are different.
  • Any distribution entered in the distribution window will be assigned to a general ledger transaction.

1. Save button, will save the transfer or update an existing one.
2. Clear button, will clear the window, ignoring any changes made.
3. Delete button, will delete a saved/un-posted transfer.
4. Post button, processes the transfer of funds between the given accounts and creates any applicable general ledger transactions.

Chapter 5CINCH Savings Plan Inquiries

This chapter explains CINCH Savings Plan Inquires.
This chapter will contain the following sections:
 Account Balance Inquiry

• [Account Balance Inquiry List

(Inquiry>Savings>Balance Inquiry)

1. Vendor is a valid Dynamics vendor id used to limit the scope of the Account Number lookup. If a vendor is not entered the Account Number lookup will show all accounts in the system.
2. Vendor Name will display for the selected Vendor.
3. Account Number is a valid savings account number.
4. Account Number Lookup, opens the Savings Account Lookup window.
5. Balance, is the balance of all posted account transactions.
6. As of, is the date that determines the Balance and Posted Interest amounts. The user date will default but can be changed.
7. Accrued Interest, is the interest that has accrued thru the given Thru date.
8. For is the date the interest was last posted.
9. Thru is the date that is used to calculate the Accrued Interest. The user date will default but can be changed.
10. Transactions, is a list view will display all posted transactions associated with this account number. The following will be included in the list box:
    • Transaction Number
    • Transaction Date
    • Effective Date
    • Trx Type
    • Trx Amount
    • Comment
    • Posted Date
    • Created Date
    • Created Time
    • Created User
    • Last Modified Date
    • Last Modified Time
    • Last Modified User
11. Posted Interest:
    • Total, is the lifetime interest that has been posted to the account.
    • The first Interest amount is the total interest posted to the account for the prior year.
    • The second Interest amount is the total interest that has posted to the account for the current year.
12. Unposted Balance is the total of transactions sitting in an un-posted Savings Batch for the selected account.
13. Ok button, will close the window.
14. Clear button, will clear the window.
15. Excel button, will export data from the list view into an Excel spreadsheet.
16. Redisplay button, will refresh the list view.
17. Go To button, is a drop down list with the following options:
    • Print Statement
      • When selected, this will open the Savings Statements window and defaults the appropriate information to run a statement for the account associated with the selected transaction.
        • Please see the chapter on CINCH Savings Plan Reports for additional information on this window.
    • Print Trx List
      • When selected, this will open the Savings Reports window setting the report option drop down to Account Transactions List by Date - Unposted and populating the account restriction so that a transaction listing can be printed for only the account associated with the selected transaction.
        • Please see the chapter on CINCH Savings Plan Reports for additional information on this window.
    • Trx Inquiry Zoom
      • When selected the Transaction Inquiry Zoom window will open to display the selected transaction.
      • Double clicking on a line in the scrolling window will also open the Trx Inquiry Zoom window.

• • • • Print button when selected will reprint the Transaction Receipt (IRSPTrxReceiptInquiryRpt).
      • Go To button, is a drop down list with the following options:
        • Print Statement
          • When selected, this will open the Savings Statements window and defaults the appropriate information to run a statement for the account associated with the selected transaction.
          • Please see the chapter on CINCH Savings Plan Reports for additional information on this window.
        • Print Trx List
          • When selected, this will open the Savings Reports window setting the report option drop down to Account Transactions List by Date - Unposted and populating the account restriction so that a transaction listing can be printed for only the account associated with the selected transaction.
          • Please see the chapter on CINCH Savings Plan Reports for additional information on this window
      • Distributions button when selected will open the Transaction Distribution Inquiry or Transfer Distribution Inquiry window based on the Transaction Type, to view the transaction distributions.

Account Balance Inquiry List

Account Balance Inquiry ListD2HML|C1H Conditional|platform=manual

Account Balance Inquiry List is used to display account balance and interest information by account and can be used to export the data to Excel for 1099 reporting.

1. Open Account Balance Inquiry List.

(Inquiry>Savings>Balance List)

1. From and To Plan, restriction by plan for the accounts to include in the scrolling window.
2. All Plans checkbox, when marked all Plans will be included.
   • By default the All Plans checkbox is marked.
3. From and To Vendor, restriction by vendor for the accounts to include in the scrolling window.
4. All Vendors checkbox, when marked all Vendors will be included.
   • By default the All Vendors checkbox is marked.
5. From and To Account, restriction by account for the accounts to include in the scrolling window.
6. All Accounts checkbox, when marked all Accounts will be included.
   • By default the All Accounts checkbox is marked.
7. Cut-Off Date is used to determine the PYTD Int, YTD Int, Current Balance and Accrued Interest amounts for each Account.
8. The following will be included in the list box:
   • Account Number
   • Vendor Name
   • Total Interest is the lifetime interest that has been posted to the account.
   • PYTD (Prior Year to Date) Interest is the total interest posted to the account for the prior year.
   • YTD (Current Year to Date) Interest is the total interest posted to the account for the current year.
   • Current Balance is the balance of all posted account transactions.
   • Accrued Interest is the interest that has accrued since the last interest posting date.
   • Tax Name
   • Tax Address 1
   • Tax Address 2
   • Tax City
   • Tax State
   • Tax Zip
   • Tax ID
     • The system will get the Tax ID from the Savings Account Maintenance.
       • If the Tax ID contains hyphen(s) ("-") when the Account Balance Inquiry List is populated the system assumes the format is correct.
       • If the Tax ID does NOT contain hyphen(s) ("-"), the system will look at the Tax ID Type setting:
         • If Tax ID Type is SSN the system will take the first three characters and place a "" then it will take the next two characters and place a "" then take the next four characters and create a string of XXX-XX-XXXX.
         • If Tax ID Type is EIN the system will take the first 2 characters and place a "-" then tack on any remaining characters to create the string.
9. Ok button, will close the window.
10. Clear button, will clear the window.
11. Redisplay button, will refresh the list view
12. Excel button, will export data from the list view into an Excel spreadsheet.
13. Go To button, is a drop down list with the following option:
    • Balance Inquiry, when selected the Account Balance Inquiry window will open with the Vendor/Account Number populated for the selected Account and the As of and Thru date populated based on the Cut-Off Date.
    • Double clicking on a line in the scrolling window will also open the Balance Inquiry window.

Chapter 6:CINCH Savings Plan Reports

This chapter explains the CINCH Savings Plan Reports.
This chapter will contain the following sections:
 Savings Report

• [Savings Statements

Printing Savings Reports

1. Open Savings Reports.

(Reports>Savings>Savings Reports)

1. Report Name is a drop down list with the following options:
   • Account List by Vendor
   • Account Transactions List by Date – Posted
   • Account Transactions List by Date – Unposted
   • Maturity Report by Plan (Landscape)
2. Destination selection determines where report will print. Options are Printer or Screen.
3. Include checkboxes, specifies the transaction types to include. Options are:
   • Deposits
   • Withdrawals
   • Interest
   • Interest Adjustment
   • Adjustments
   • Transfers
4. From and To Plan, restriction by plan for the accounts to include in the report.
5. All Plans checkbox, when marked all Plans will be included.
   • By default the All Plans checkbox is marked.
6. From and To Vendor, restriction by vendor for the accounts to include in the report.
7. All Vendors checkbox, when marked all Vendors will be included.
   • By default the All Vendors checkbox is marked.
8. From and To Account, restriction by account for the accounts to include in the report.
9. All Accounts checkbox, when marked all Accounts will be included.
   • By default the All Accounts checkbox is marked.
10. From and To Trx Date, restriction by transaction date for the transactions to include in the report.
11. All Transaction Dates checkbox, when marked all transaction dates will be included.
12. From and To Effective Date, restriction by effective date for the transactions to include in the report.
13. All Effective Dates checkbox, when marked all effective dates will be included.
14. Accrue Interest Thru, is the date that interest will accrue thru for any reports with accrued interest calculations.

Account List by Vendor Savings Report

Account List by Vendor is a listing of all vendors and their saving plan balance. User can go here to see the pay off balance.

1. Open Savings Reports.

(Reports>Savings>Savings Reports)

1. Select Report Name, Account List by Vendor.
2. Select Plan, Vendor and Account restrictions.
3. Select the Accrue Interest Thru Date. Date will default to user date but can be changed.
4. Select Destination.
5. Report is grouped by Vendor.
6. Report includes:
   • Vendor ID
   • Vendor Name
   • Account ID
   • Account Description
   • Plan ID
   • Current Balance
   • Accrued Interest, based on the Accrue Interest Thru date.

Account Transaction List by Date – Posted Savings Report

Account Transactions List by Date – Posted is a listing of all the posted transactions that affected the savings plan.

1. Open Savings Reports.

(Reports>Savings>Savings Reports)

1. Select Report Name, Account Transactions List by Date – Posted
2. Select report restrictions, Include, Plan, Vendor, Account Trx Date and Effective Date restrictions.
3. Select Destination.
4. Report is grouped by Account Number.
5. Report is sorted by Account Number then Effective Date.
6. Report includes:
   • Account Number
   • Vendor ID
   • Vendor Name
   • Effective Date
   • Transaction Date
   • Trx Number
   • Transaction Type
   • Batch
   • Transaction Amount

Account Transaction List by Date – Unposted Savings Report

Account Transactions List by Date – Unposted is a listing of all the un-posted transactions that affected the savings plan.

1. Open Savings Reports.

(Reports>Savings>Savings Reports)

1. Select Report Name, Account Transactions List by Date – Unposted
2. Select report restrictions, Include, Plan, Vendor, Account Trx Date and Effective Date restrictions.
3. Select Destination.
4. Report is grouped by Account Number
5. Report is sorted by Account Number then Effective Date.
6. Report includes:
   • Account Number
   • Vendor ID
   • Vendor Name
   • Effective Date
   • Transaction Date
   • Trx Number
   • Transaction Type
   • Batch
   • Transaction Amount

Maturity Report by Plan (Landscape)

Account List by Vendor is a listing of the current balance of each account within the savings programs plus the amount of accrued interest from the Accrued Interest Thru date to the Maturity Date on the account.

1. Open Savings Reports.

(Reports>Savings>Savings Reports)

1. Select Report Name, Maturity Report Plan (Landscape).
2. Select Plan, Vendor and Account restrictions.
3. Select the Accrue Interest Thru Date, the date to which accrued interest will be calculated.
   • Date will default to user date but can be changed.
4. Select Destination.
5. Report includes:
   • Vendor ID
   • Account Number
   • Maturity Date
   • Current Interest, Interest calculated from the last posted interest date to the "Accrue thru Date".
   • System will place each account in the proper aging based on its maturity date.
     • Matures 0+ – 12 Months
       • If accounts maturity date < ("Accrue Interest Thru' Date + 12 months) then Account Balance as of the "Accrue thru Date" else 0.
     • Matures 12+ – 24 Months
       • If accounts maturity date > ("Accrue Interest Thru' Date + 12 months) and accounts maturity date < ("Accrue Interest Thru' Date + 24 months) then Account Balance as of the "Accrue thru Date" else 0.
     • Matures 24+ – 36 Months
       • If accounts maturity date > ("Accrue Interest Thru' Date + 24 months) and accounts maturity date < ("Accrue Interest Thru' Date + 36 months) then Account Balance as of the "Accrue thru Date" else 0.
     • Matures 36+ - 48 Months
       • If accounts maturity date > ("Accrue Interest Thru' Date + 36 months) and accounts maturity date < ("Accrue Interest Thru' Date + 48 months) then Account Balance as of the "Accrue thru Date" else 0.
     • Matures 48+ Months
       • If accounts maturity date > ("Accrue Interest Thru' Date + 48 months) then Account Balance as of the "Accrue thru Date" else 0.
   • Interest for each aging is calculated as follows:
     • Principal. Account balance as of the "Accrue Thru date". Transactions occurring between the "Accrue through date" and the maturity date are ignored when calculating the interest.
     • Interest Rate. Interest Rate will come from the rate schedule attached to the account and WILL include future rate changes.
     • Period. Maturity Date less the Accrued thru date.
     • If no maturity date exists on the account, it will be assumed to be 0-12 months. NO interest will be calculated on those accounts.
     • Interest is not compounded, it is a straight interest calculation.
6. Report is sorted by Plan ID, then Account Maturity Date, then Vendor ID.
7. Report is Subtotal by Plan ID
   • Totals per column
   • Total Principal & Interest for each aging bucket
   • Grand Total Principal per Plan
8. Report Totals
   • Totals per column
   • Total Principal & Interest for each aging bucket
   • Grand Total Principal for All Plans

Savings Statements

Savings StatementsD2HML|C1H Conditional|platform=manual

Savings Statements is used to print the Customer Account Statements.
This section will contain the following procedures:
 Printing Savings Statements

• Customer Account Statement

Printing Savings Statements

1. Open Savings Statements.

(Reports>Savings>Savings Statements)

1. Statement Date From, the beginning transaction effective date to include on the report.
2. Statement Date To, the ending transaction effective date to include on the statement and date used for the accrued interest calculation on the statement.
3. From and To Plan, restriction by plan for the accounts to include on the statement.
4. All Plans checkbox, when marked all Plans will be included.
   • By default the All Plans checkbox is marked.
5. From and To Vendor, restriction by vendor for the accounts to include on the statement.
6. All Vendors checkbox, when marked all Vendors will be included.
   • By default the All Vendors checkbox is marked.
7. From and To Account, restriction by account for the accounts to include on the statement.
8. All Accounts checkbox, when marked all Accounts will be included.
   • By default the All Accounts checkbox is marked.
9. Destination selection determines where report will print. Options are Printer or Screen.

Customer Account Statement

1. Open Savings Statements.

(Reports>Savings>Savings Statements)

1. Statement is restricted by the transaction effective date and the Vendor.
2. Statement will be grouped by Vendor and Account Number.
3. Vendor/Account Number information listed on the report:
   • Header Section
     • Accrued Interest From
     • Includes Interest accrued for the statement month. System will use the "Statement Date From and the To Date" (inclusive) to calculate the accrued interest for the month.
     • Interest amounts posted during the month are NOT included in the Accrued Interest From amount.
     • Accrued Interest to date is the YTD Accrued Interest.
       • Includes the accrued interest amount and accrued through date for interest not yet posted to the account. Accrual date is based on the "To" Statement Date.
     • Current Rate will display the Int Rate from Savings Interest Schedule Maintenance for the Rate associated to Account's Plan where the Rate Effective Date corresponds to the report Statement To Date.
     • Beginning Balance is the account balance prior to the specified statement from date.
   • Detail Section, is the listing of transactions with a running balance.
     • Date, effective date of the transaction
     • Transaction #
     • Transaction Type
     • Deposits, increases to the account
     • Withdrawal, decreases to the account
     • Balance
     • Totals
       • Total Deposits, for the specified statement date range. Includes all additions to the account.
       • Total Withdrawals, for the specified statement date range. Includes all reductions to the account.
       • Ending Balance, for the specified statement to date.
4. Reprint Statements
   • The date of the Interest Posting prevents any additional transactions from being created on an account by account basis.
   • Therefore by selecting dates prior to an interest posting the reprinted statement will match the original statement.
5. Zero Balance, system will not print a statement for vendors if:
   • The vendor had a zero balance as of the beginning date and.
   • The vendor had no activity during the date range specified.

Chapter 7:CINCH Savings Plan Routines

This chapter explains the CINCH Savings Plan Routines.
This chapter will contain the following sections:
 Interest PostingD2HML|C1H Conditional|platform=manual

Cinch Savings Plan Routines

Interest Posting

Interest PostingD2HML|C1H Conditional|platform=manual

Interest Posting is used to calculate interest on accounts, if desired an accounts payable voucher can be created for the amount of the interest.

1. Open Interest Posting.

(Microsoft Dynamics GP>Tools>Routines>Savings and Loan>Interest Posting)

1. From and To Plan, restriction by plan for the accounts to include in the scrolling window.
2. All Plans checkbox, when marked all Plans will be included.
   • By default the All Plans checkbox is marked.
3. From and To Vendor, restriction by vendor for the accounts to include in the scrolling window.
4. All Vendors checkbox, when marked all Vendors will be included.
   • By default the All Vendors checkbox is marked.
5. From and To Account, restriction by account for the accounts to include in the scrolling window.
6. All Accounts checkbox, when marked all Accounts will be included.
   • By default the All Accounts checkbox is marked.
7. Accrue Interest Thru, the date that accrued interest will calculate thru.
8. Batch, the savings batch that the interest transactions will be added to.
9. Scrolling window:
   • Account Number, the account the interest accrual will be calculated for.
   • Account Description is the description associated with the Account Number.
   • Balance is the balance as of the Accrued Interest Thru date.
     • In cases, where the starting date is the date of an interest rate change, then the account balance is the balance of the last transaction prior to the effective interest rate change.
     • In cases, where multiple transactions exist for the same effective date, the Account balance for that day is the account balance from the last transaction entered for the day.
     • System supports the ability to Compound Interest by posting the Accrued Interest to the account.
       • When posting interest the system will create an "Interest" transaction, the Account balance will increase and the system will accrue future interest on the new balance.
   • Accrued Interest is the amount of interest that has accrued since the last interest posted date and the selected Accrue Interest Thru Date in the header.
     • Interest Calculation:
       • System will calculate the interest on a daily basis. The formula is: ((Interest Rate / Days Per Year on the Plan) X Number of Days X Account Balance)). Every time the account balance changes, the system will accrue the interest based on the new Balance.
       • Every time the Rate changes, the system will accrue interest based on the new rate.
         • System will look to the interest rate table and use the rate as entered from the effective date until the effective date of the next entered rate.
     • Number of Days is the Ending Date less Starting Date. System will use Effective Date when figuring interest. System will loop though all transactions since the last Interest accrual transaction.
       • Starting Date will be the earlier of:
         • The day after the last interest accrual transaction. If no interest accrual transactions exist, it will be the effective date of the first transaction in the system.
         • The effective date of an interest rate change.
       • Ending date will be the lesser of:
         • The effective date of the transaction immediately following the starting date.
         • The effective date of an interest rate change.
         • The effective date of the interest accrual. (Entered by user i.e. April 30^th, 2009). User will tell system to post interest up until a certain date.
     • System will use the whole day concept:
       • If money was deposited on one day and withdrawn on the same date, no interest would be accrued for that day. Zero days have passed.
       • If money was deposited on one day and withdrawn the next, the system will figure interest for one day. It will NOT count both the first day and the last day.
   • Create AP
     • Checkbox, by default, will be checked if the Savings Account Maintenance's Interest Option is set to Generate Check.
     • If this checkbox is marked and the line is selected the system will post the interest to a general ledger transaction and a withdrawal (payables) transaction will be created.
     • If this checkbox is not marked and the line is selected the system will just post the interest to a general ledger transaction.
   • Select checkbox, must be checked if the user wishes to process the interest for the account line.
     • A user will not be able to select plan that has un-posted transactions.
   • The select checkbox in the scrolling window header will select all acceptable lines if it is checked or unmark all if it is unchecked.
   • The Distribution icon in the scrolling window header is a drop down list with the following options:
     • GL Distributions, when selected will open the Transaction Distribution window where the general ledger distributions can be viewed or modified. The Accounts will default from the Plan ID (Plan Maintenance) associated to the account number.
       • Credits Interest Account
       • Debits Note GL Account
     • AP Distributions, when selected will open the Transaction Distribution window displaying the Accounts Payable distributions for transaction if a voucher is going to be created.
       • This option will only be available if the Create AP checkbox is checked.
       • The Note GL Account will default from the Plan ID (Plan Maintenance) associated to the account number.
       • The Accounts Payable Account will default from the Vendor Account Maintenance for the vendor associated to the selected account number.
10. OK, closes the window.
11. Clear, clears the window without saving or processing any changes.
12. Redisplay, refreshes the scrolling window based on the selected restrictions.
13. Process, when selected the following will occur:
    • An interest transaction will be created for each selected Account Number.
      • Transaction Date. System will record the date that the accrual was run (user Date).
      • Effective Date: will be the "Accrue Interest Thru" date.
      • Transaction Type: will be Interest.
    • If the Create AP option is marked the system will also create a withdrawal transaction type for each account selected.
14. Posting the Savings Batch
    • The transactions status will be updated.
    • A general ledger transaction will be created for the interest transaction and assigned to the GL Batch.
    • An Accounts Payable Voucher will be created for the withdrawal transaction(s) and assigned to the AP Batch.

Part 3:CINCH Loan Plan

This part of the documentation describes the CINCH Loan Plan.
 Chapter 8: CINCH Loan Plan Setup. This chapter explains how to setup and configure CINCH Loan Plan.
 Chapter 9: CINCH Loan Plan Transactions. This chapter explains the CINCH Loan Plan Transactions.
 Chapter 10: CINCH Loan Plan Inquires. This chapter explains the CINCH Loan Plan Inquires.
 Chapter 11: CINCH Loan Plan Reports. This chapter explains the CINCH Loan Plan Reports.

• • Chapter 12: CINCH Lon Plan Routines. This chapter explains the CINCH Loan Plan Routines.

Chapter 8:CINCH Loan Plan Setup

This chapter explains how to setup and configure CINCH Loan Plan.
This chapter will contain the following sections:
 Loan Number Maintenance

• Loan Setup
• Loan Plan Maintenance
• Loan Interest Schedule Maintenance
• Loan Account Maintenance
• Sales Setup

D2HML|C1H Conditional|platform=manual

Cinch Loan Plan Setup

Loan Number Maintenance

Loan Number MaintenanceD2HML|C1H Conditional|platform=manual

Loan Number Setup provides a unique sequential audit trail control for all the loan transactions generated and will not allow duplicate numbers to be processed. You are allowed to select the number prefix and starting number for each transaction type. All numbers being issued are validated to insure that they are truly unique, and that they support multi-user processing.
Once a number is created and used it will be locked and you will not be able to manipulate it. However, the numbering system provides a way that you could "reset" or "restart" the numbering from a specific point.

Setting up Loan Numbers

1. Open Loan Number Setup.

(Microsoft Dynamics GP>Tools>Setup>Savings and Loan>Loan Trx Number Setup)

1. Trx Type, select the transaction type from the drop down list. Options are:
   • Advance
   • Payment
   • Interest
   • Adjustment
   • Transfer
   • Rollover
2. Number Prefix, enter up to a three character code that will display at the beginning of all transaction numbers for the specified Trx Type.
   • If there is no record found for a transaction type when selected the system will default in the following values:
     • ADV for Advance
     • PMT for Payment
     • INT for Interest
     • ADJ for Adjustment
     • TRF for Transfer
     • ROL for Rollover
3. Document Number, is the beginning document number to be used for the sequence.
   • If no record has been saved yet for a given transaction type the system will default 0000001 as the starting number.
4. Next Number, this is the next document number that the system will assign to a loan transaction of the specific type.
   • This will be the full number with the prefix so when a number is set in the document number field this one will default.
5. Save button, will save the current changes made for the Trx Type record.
6. Clear button, will clear the window, ignoring any changes made.

Loan Setup

Loan SetupD2HML|C1H Conditional|platform=manual

Loan Setup is used to define the User Defined prompts on the Loan Plan and Loan Account Maintenance windows.

1. Open Loan Setup

(Microsoft Dynamics GP>Tools>Setup>Savings and Loan>Loan Setup)

1. Loan Plan Prompts, when defined will populate the User Defined fields on the Loan Plan Maintenance window.
   • User Defined 1
   • User Defined 2
2. Loan Account Prompts, when defined will populate the User Defined fields on the Loan Account Maintenance window.
   • User Defined 1
   • User Defined 2
   • User Defined CB 1
   • User Defined CB 2
3. Post Thru GL checkbox:
   • When marked, the system will post the loan GL transactions as they are entered into the system.
     • The GL batch number will be LN plus a generated sequence starting with one and incrementing by one for every transaction, for example LN0000000000001.
   • When checkbox is not marked the loan GL transactions will be posted manually. The GL batch number will be LN(month)(day)(user id).

Loan Plan Maintenance

Loan Plan MaintenanceD2HML|C1H Conditional|platform=manual

Loan Plan Maintenance is for setting up loan plans to specify loan accounts and identify which GL Accounts and checkbook to use for transactions on the assigned accounts.

1. Open Loan Plan Maintenance

(Cards>Loan>Loan Plan Maintenance)

1. Plan ID, user defined identifier for the plan.
2. Plan ID Lookup opens Loan Plan Lookup which is used to lookup existing plans that have defined in the system.

• • Find capability will exist for the following columns:
    • Plan ID
    • Plan Description
    • Checkbook ID
    • User Defined 1
    • User Defined 2

1. Plan Description, user definable description for the plan.
2. Checkbook is a valid Dynamics checkbook ID.
3. Days Per Year is the number of days per year that will be used when calculating daily rates, typically this is 365 but sometimes 360 is used.
4. Loan GL Account, GL account for customer loan funds, typically a notes receivable account.
5. Interest Account, this will be an interest income GL account.
6. Adjustment Account, GL account used when making adjustments.
   • Credit or Debit depending upon whether the adjustment is positive or negative.
7. User Defined 1 & 2, are both user defined data and can be up to 20 characters.
8. Acct Number Prefix, enter up to a three character code to be used at the beginning of all Loan Account numbers, displayed in the Loan Account Maintenance window when setting up a new account with this plan associated with it.
9. Account Number, a format of how many characters will be used for the account number, example 00000001.
10. Next Account Number is the next document number to be used when a new Loan Account is setup, within the Loan Account Maintenance window, that uses this Plan ID
    • If no record has been saved yet for a given transaction type the system will default 0000001 as the starting number
11. Other GL Accounts:
    • Cash account will come from the assigned checkbook id.
    • Account Payable account will come from the vendor.
    • Accounts Receivable account will come from the customer.
12. Save button, will create a new record or update an existing one.
13. Clear button, will clear the window, ignoring any changes made.
14. Delete button, will delete the selected record.
    • If a plan has been used on an account it cannot be deleted.

Loan Interest Schedule Maintenance

Loan Interest Schedule MaintenanceD2HML|C1H Conditional|platform=manual

Loan Interest Schedule Maintenance is used to define interest rate schedules to be used by the system to accrue interest.

1. Open Loan Interest Schedule Maintenance

(Cards>Loan>Loan Interest Schedule)

1. Rate ID, user defined identifier for the interest schedule.
   • This ID will be used to tie the rate to a Loan Account
2. Rate ID Lookup opens Loan Rate Lookup which is used to lookup existing interest rate schedules.

• • Select the Find Restriction:
    • Rate ID
    • Description
    • Current Rate
    • Effective Date
    • Comment

1. Description, user definable description for the interest schedule.
2. Scrolling Window contains the interest rates by date.
   • Effective Date, the first day that the interest rate should be used in any interest calculations.
     • User cannot add an effective date prior to the latest interest rate effective date in the schedule.
     • The old rate will be assumed to expire the day before the new rate effective date.
     • Date cannot be changed once interest transactions, for accounts using the Rate ID, have been calculated on or after the date.
   • Int Rate, the interest rate to be used when calculating the interest accrual.
     • Rate cannot be changed once interest transactions, for accounts using the Rate ID, have been calculated on or after the Effective Date.
   • Comment, user defined comment about the interest rate line.
   • Delete Row icon will remove the selected row from the list.
     • User is allowed to delete a line in the scrolling window providing no interest transactions for accounts using this schedule have been calculated on or after the Effective Date.
3. Save button, will create a new record or update an existing one.
4. Clear button, will clear the window, ignoring any changes made.
5. Delete button, will delete the selected record.
   • If a schedule is assigned to an account the interest schedule cannot be deleted.

Loan Account Maintenance

Loan Account MaintenanceD2HML|C1H Conditional|platform=manual

Loan Account Maintenance is used to define an account in the system and associate it to a Loan Plan, a GP Customer, GP Vendor and an interest rate schedule.

1. Open Loan Account Maintenance

(Cards>Loan>Loan Account Maintenance)

1. Select a valid Plan ID.
2. Account Number, identifier for the account. .
   • If a Plan has been entered it will default the next available account number defined in the plan setup window.
   • User can accept the defaulted account number or enter a different number.
   • To view an existing account, the account number can be entered or the looked up feature can be used without entering a Plan ID.
   • If a Plan ID is entered the Account Number lookup will be restricted to accounts previously setup for the given Plan ID.
3. Account Number Lookup opens the Loan Account Lookup and is used to find loan accounts that have already been defined in the system. If a Plan ID is entered the Account Number lookup will be restricted to accounts previously setup for the given Plan ID.

• • Select the Find Restriction:
    • Account Number
    • Account Description
    • Customer
    • Vendor ID
    • Employee ID
    • Plan ID
    • Rate ID
    • Maturity Date
    • Tax Name
    • User Defined 1
    • User Defined 2
  • List can be restricted by the Status drop down list with the following options:
    • Open when selected all accounts that are not marked as closed will display in the list.
    • Closed when selected all accounts that have been marked as closed will display in the list.
    • All when selected all accounts (open and closed) will be displayed in the list.
  • Show Balance checkbox:
    • When the checkbox is marked a balance column will appear in the list.
    • The default is not checked.

1. Description, user definable description for the account.
2. Select a valid Rate ID.
3. Origination Date, the date the loan was created
4. Maturity Date, the date the loan is considered over.
   • This date is used for reporting purposes only and is not considered when calculating interest.
5. Customer, a valid Dynamics Customer ID.
   • Will default if a Vendor is entered and there is a Customer/Vendor Relationship defined.
   • Customer name will be displayed for the selected customer.
6. Auto Pay Invoices checkbox.
   • If the checkbox is marked, invoices being processed with the customer assigned to them will be automatically applied to the note. That is, the system will automatically advance funds on this note to pay any Invoices charged to the designated account.
   • Only one Loan can be marked as auto apply per customer.
7. Vendor, a valid Dynamics Vendor ID.
   • Will default if a Customer is entered and there is a Customer/Vendor Relationship defined.
   • Vendor name will be displayed for the selected vendor.
8. Employee, a valid Dynamics Employee ID.
   • Employee name will be displayed for the selected employee.
   • This is currently not used, for future use in conjunction with a payroll deduction.
9. Loan Rating
   • A three digit integer value that can be used to store a defined rating system for the vendor/customer.
10. Maximum Balance
    • When entering a transaction the system will warn the user if the loan balance will exceed this balance.
    • If auto applying an invoice to the loan account, system will not allow posting of the invoice if the existing account balance + the new invoice amount exceeds the maximum balance.
11. Maximum Advance
    • When entering a transaction the system will warn the user if the total amount advanced life to date on the account will exceed this balance.
    • If auto applying an invoice to the loan account, system will not allow posting of the invoice if the advances Life to Date + the new invoice amount exceeds this maximum advances.
    • Must have a Maximum Balance entered before this field is available.
12. Max Cash Advance
    • When entering a cash advance on the account the system will warn the user if the total cash advanced life to date on the account plus the current advance will exceed this balance, and the advance will not be allowed.
    • Must have a Maximum Balance entered before this field is available.
13. User Defined 1 & 2
    • User defined data up to 20 characters.
14. User Defined 1 & 2 checkboxes
    • Checkbox to be used as needed by user.
15. Tax Name, the name used for tax reporting.
    • The name defaults from the Vendor Maintenance, but can be changed.
    • Vendor synchronization does not exist; any updates to the Vendor Maintenance and Loan Account Tax Information are a manual process.
16. Tax ID Number, the social security number or tax id number used for reporting purposes.
    • The ID number defaults from the Vendor Maintenance Options, Tax ID, but can be changed.
      • Tax ID Type can be defined from the drop down list. Options are EIN or SSN. The default value will be SSN.
    • Vendor synchronization does not exist; any updates to the Vendor Maintenance and Loan Account Tax Information are a manual process.
17. Address, City, State and Zip Code, used for 1099 reporting.
    • The address information defaults from the Vendor Maintenance, Primary Address, but can be changed.
    • Address synchronization does not exist; any updates to the Vendor Address and Loan Account Tax Information are a manual process.
18. Closed checkbox, when selected will close the account.
    • When an account is closed interest will no longer accrue on the account.
    • User is not able to close an account unless the balance is zero.
    • No transactions can be entered for a closed account.
19. Closed Date, the date the account was closed.
    • This will default to the user date and is not editable.
20. Save button, will create a new record or update an existing one.
21. Clear button, will clear the window, ignoring any changes made.
22. Delete button, will delete the selected record.
    • If an Account has transactions assigned to it, it cannot be deleted.

Sales Setup

Sales SetupD2HML|C1H Conditional|platform=manual

Sales Setup is used to enable AgNotes which is required to allow Loan Plan Advancing on sales documents.

1. Open Sales Setup

(Microsoft Dynamics GP>Tools>Setup>Cinch Sales>Sales Setup)

1. Mark the AgNotes Enabled checkbox to enable note applications.

Chapter 9:CINCH Loan Plan Transactions

This chapter explains the CINCH Loan Plan Transactions.
This chapter will contain the following sections:
 Loan Batch Entry

• Loan Transaction Entry
• Loan Transfer Entry
• [Loan Transaction Transfer

• #LoanTransactionTransfer]Loan Plan Advancing Sales

D2HML|C1H Conditional|platform=manual

Cinch Loan Plan Transactions

Loan Batch Entry

Loan Batch EntryD2HML|C1H Conditional|platform=manual

Loan Batch Entry allows you to post transactions by batch and type.

1. Open Loan Batch Entry.

(Transactions>Loan>Loan Batch Entry)

1. Type, select the type of batch you would like to create.
   • Required field.
   • Options are:
     • Trx Entry
     • Transfer
     • Trx Transfer
2. Batch, enter or lookup a Batch ID for the selected Type. This is a required field.
   • Batch Lookup is used to find active loan batch numbers in the system.

• • • Select the Find Restriction:
      • Batch
      • Comment

1. Comment describes the batch.
2. Status, options are:
   • Available, available to post.
   • Busy, in use by another user.
   • Posting, in the process of posting.
3. No of Trx displays the number of transactions included in the batch.
4. Batch Total is the total (absolute value) of the transactions in the batch.
5. Refresh button will update batch Status, No of Trx and Batch Total.
6. Save button, will create a new record or update an existing one.
7. Clear button, will clear the window, ignoring any changes made.
8. Delete button, will delete the selected record.
9. Post button, when selected the following will occur:
   • Posts any transactions assigned to the batch.
   • No Posting Reports will be printed.
   • The transactions status will be updated.
   • General Ledger transactions will be created for transactions with the Transaction Types of Payment, Adjustment, Interest or Transfer and placed in a GL Batch.
     • Batch Number will be created as LNMMDD-USER where LN is the prefix for a loan batch, MM = month and DD = day and User.
     • Transfer transactions may or may not produce GL transactions.
       • If the GL Accounts, assigned to the Loan Plan ID's, are the same, no GL transactions will be created.
       • If the GL Accounts, assigned to the Loan Plan ID's, are not the same/different, GL transactions will be created.
   • Bank Deposit Entries will be created for transactions with a Transaction Type of Payment.
   • Accounts Payable transactions will be created for transactions with the Transaction Type of Advance and an Advance Type of Cash and placed in an AP Batch.
     • Batch Number will be created as LNMMDD-USER where LN is the prefix for a loan batch, MM = month and DD = day and User.
   • Accounts Receivable transactions (Credit Memos) will be created for transactions with the Transaction Type of Advance and an Advance Type of Accts Receivable and placed in an AR Batch.
     • Batch number will be created as LNMMDD-USER where LN is the prefix for a loan batch, MM = month and DD = day and User.
10. Printer Icon, when selected the Loan Batch Posting Transaction Edit List will print.

Loan Transaction Entry

Loan Transaction EntryD2HML|C1H Conditional|platform=manual

Loan Transaction Entry is used to enter loan transactions into the system or to review loan transactions that the system has created.

1. Open Loan Transaction Entry.

(Transactions>Loan>Loan Trx Entry)

1. Customer, valid Dynamics Customer ID.
   • Mainly used to limit the scope of the account number lookup to a specific customer.
2. Account Number, valid account number from the loan system assigned to the given customer.
3. Account Number Lookup, opens the Loan Account Lookup window:
4. Transaction Type, options are:
   • Advance, a loan advance for the account will increase the account balance. A Number of different loan Advance types are supported:
     • Advance Type, Cash:
       • Creates a Dynamics GP Accounts Payable Voucher.
         • User can select the Create Check checkbox which allows for a check to be printed and a payables transaction to be created and placed in an AP Batch once the Post Button is selected.
       • Passes the GL information to the Dynamics AP Voucher, which creates the GL Entry during the posting of the AP transaction.
         • Debits the Loan GL Account attached to the Loan Plan ID.
         • Credits the Accounts Payable account attached to the Vendor associated with the Loan Account.
       • System will track the Dynamics GP Accounts Payable Voucher and the Check # used to pay that voucher.
     • Advance Type, Accts Receivable:
       • Generates a loan advance that creates a Credit Memo on the customer Accounts Receivable.
       • Pass the GL information to the Dynamics Credit Memo, which creates the GL Entry during the posting of the CM transaction.
         • Debits the Loan GL Account attached to the loan's Plan ID.
         • Creates the Accounts Receivable account attached to the Customer associated with the Loan Account.
       • System will track the Credit Memo document number that was created for the advance.
     • Advance on an Invoice, can be done from Invoice Maintenance and Counter Sales Entry where the advance from a loan account can be applied as a payment. Refer to Loan Plan Advancing Sales for more information on this:
       • The loan advance will not occur until the Invoice is posted.
         • Transaction Date on an Invoice Advance will be the date of the Invoice.
         • Effective Date on an Invoice Advance will be the due date of the Invoice. That is, if an Invoice is due in the future (i.e. Deferred Invoice), the system will not accrue interest on that loan advance until the date the Invoice is due.
       • System will track the Invoice/Return number that was paid with the advance transaction.
         • Returns will create a negative loan advance for the return amount.
   • Payment, a payment on the account will decrease the account balance.
     • Enables the Check Number and Checkbook ID fields.
     • Creates a GP Bank Deposit Entry into the Checkbook ID attached to the transaction
     • Creates a GL entry.
       • Debits the Cash GL Account attached to the transaction's Checkbook ID.
       • Credits either/both the Loan GL Account and the Interest Account attached to the loan's Plan ID.
   • Interest, allows the user to only view transactions.
     • Interest transactions are created in the Loan Interest Compounding window.
   • Adjustment
     • A positive amount will increase the loan balance (like an Advance) a negative amount will decrease the loan balance (like a Payment).
     • Creates a GL transaction
       • Positive/Negative Interest Amount
         • Debits/Credits the Loan Adjustment Account attached to the loan's Plan ID.
         • Credits/Debits the Loan Interest Account attached to the loan's Plan ID.
       • Positive/Negative Principle Amount
         • Debits/Credits the Loan GL Account attached to the loan's Plan ID.
         • Credits/Debits the Loan Adjustment account attached to the loan's Plan ID.
     • Interest Adjustment won't show on the account until Loan Interest Compounding has been ran.
     • An interest adjustment affects the interest accrual as follows:
       • System will calculate interest based on the principal, interest rate and number of days. Any Interest Adjustments will be added/subtracted to determine Interest Owed.
5. Transaction Number, uniquely identifies each loan transaction in the system.
   • When the Transaction Type is selected the next available transaction number will be defaulted.
   • The default can be change but no two transaction numbers can be the same.
6. Transaction Number lookup opens the Loan Transaction Lookup window.

• • The lookup will list unposted transactions currently in the system.
  • Select the Find Restriction:
    • Transaction Number
    • Account Number
    • Effective Date
    • Comment

1. Batch Number, is the loan batch number. This field is required to save a transaction but must be blank to post on the fly.
2. Advance Type, only visible when Transaction Type is Advance.
   • Cash, creates a Dynamics GP Accounts Payable Voucher.
     • Displays the Create Check checkbox. If selected it will create a check on the fly once the Post button is selected.
   • Accounts Receivable, creates a credit memo which will be applied to the customer's account.
3. Checkbook Number, only visible when the Transaction Type is Payment. User can enter up to 20 characters to record the customer's check number.
4. Checkbook Id, only visible when the Transaction Type is Payment.
   • Defaults from Sales User Setup. If there is no Checkbook ID in Sales User Setup it will default in from the Plan ID associated with the Account Number.
   • User can change the defaulted ID.
   • Checkbook ID Lookup will open GP's Checkbooks window.
5. Comment, user defined comment about the transaction. Can be up to 50 characters.
6. Trx Date, is the transaction date.
   • Defaults to the user date or the earliest date available.
     • If the user date falls prior to a previously posted payment or interest transaction posting date, the transactions date will be set to the day after the posted date of the payment or interest transaction.
   • Default can be changed but cannot be prior to a previously posted payment or interest transaction posting date.
7. Effective Date is the date the system will look at when making calculations and displaying them on statements.
   • On a new transaction it will default to the User Date but can be over written to specify when the user would like this transaction to be effective.
   • System will warn user if effective date is more than 5 days different than user date.
   • The effective date cannot be earlier than the last posted interest or payment transaction date.
     • Backdating a transaction to an effective date prior to other transactions already posted will affect the account balance for those transactions. System will have ability to update the account balance on transactions with dates later than the back dated transaction.
8. Trx Amount is the dollar amount of the transaction.
   • This amount will be calculated for the Transaction Types of Adjustment and Advance. It can be either a positive or negative amount.
   • User will enter this amount for the Transaction Type of Payment and the system will automatically calculate the interest and principle amounts.
9. Interest is the amount applied to the interest portion of a loan.
   • Field is only enabled when entering payments or adjustments.
   • When entering a payment, the system tracks the amount of interest paid vs. principal paid and will default to paying all Interest Owed first, then principal.
     • Default amount is the amount of unpaid interest through the effective date.
       • Interest paid will be subtracted from un-posted payments when calculating the interest available to pay with the payment being entered, if another payment for the same account is entered on the same day the calculated interest will be net of any non-posted interest payments that may exist on the account.
     • The user can override the default amount.
     • It is possible to have an interest only payment.
     • Interest Owed that is compounded (i.e. added to the principal balance) will be considered paid.
   • Defaults to the accrued interest amount when an interest transaction is entered.
10. Principle is the amount to be applied to the principle.
    • Field is only enabled when entering advances or adjustments.
    • Defaults to the Trx Amount less any interest applied.
11. Current Balance is the balance of all posted transactions for the selected account.
12. Deferred Transactions includes any transactions with an Effective Date after the Accrued Thru date.
13. Accrued Thru will default to the Effective Date when entering a transaction.
14. Interest Owed will display the net amount of Total Calculated Interest, Interest Adjustments, Accrued Interest and Interest Payments.
15. Drill back on Interest Owed opens Interest Inquiry.

1. When the Transaction Type is Payment Unpaid or Prepaid Interest will be displayed depending upon if the amount is positive or negative.
2. Previous Transactions is a list box that will display all un-posted transactions for the selected account. The following columns will be included in the list box :
   • Transaction Number
   • Account Number
   • Transaction Date
   • Effective Date
   • Trx Type
   • Advance Type
   • Trx Amount
   • Interest
   • Principle
   • Comment
   • Batch
   • Posted Date
   • Checkbook ID
   • Created Date
   • Created Time
   • Created User
   • Last Modified Date
   • Last Modified Time
   • Last Modified User
3. Distribution Button will open the Loan Transaction Distribution window which can be used to view/modify the default transaction distributions.

• • OK button will close the window and check the distribution for errors such as total debits and credits don't match, the debit and credit totals do are not for the transaction amount.
  • Delete button will remove all distributions.
  • Defaults button will assign the default distributions based on the account and plan information.

1. Save button, will create a new record or update an existing one.
2. Clear button, will clear the window, ignoring any changes made.
3. Delete button, will delete the selected record.
   • Previous Transactions can be deleted one line at a time.
   • Only allowed if the transaction has not been associated with any sales transactions and they have not been posted.
4. Print button when selected the Transaction Receipt will print.
5. Post button, when selected will create the transaction and any associated Dynamics transactions for the selected Transaction Type.
   • Payments, creates a Dynamics GP Bank Rec deposit record and GL Entry.
     • Loan Payment
       • Debit Cash
       • Credit Customer Loans
     • Advance, creates a Dynamics GP Accounts Payable Voucher. The GL Entry will be created as a part of Dynamics AP Voucher and check writing routines.
       • Loan Advance – Cash Advance GL Entry
         • Debit Customer Loans
         • Credit Accounts Payable/Cash
       • Loan Advance on Invoice GL Entry
         • Debit Customer Loans
         • Credit Accounts Receivable
   • Adjustments, creates GL Entry.
     • Debit/Credit Adjustment Account
     • Credit/Debit Customer Loans
   • System creates a posting journal that can be reviewed prior to posting.
6. Go To button, is a drop down list with the following options:
   • Print Statement
     • When selected, the Loan Statements opens.
   • Print Trx List
     • When selected, the Loan Reports window opens to select the appropriate report to run for the selected account.

Loan Transfer Entry

Loan Transfer EntryD2HML|C1H Conditional|platform=manual

Loan Transfer Entry is used to transfer funds from one account to another, either between customers or within the same customer. The user will be allowed to specify a new transaction date, effective date and an amount to transfer.

1. Open Loan Transfer Entry.

(Transactions>Loan>Loan Transfer)

1. From Account Section:
   • Customer, a valid Customer ID that is used mainly to restrict the account number lookup.
   • Account Number, a valid account number used to transfer from.
   • Account Number Lookup, opens the Loan Account Lookup window.
   • Current Balance, displays the balance of all posted account transactions for the selected account, with an effective date prior to the effective date entered for the transfer.
   • Balance After Transfer, displays what the account balance will be after the transfer process has completed.
   • Accrued Interest will display the amount of interest that has accrued since the last interest posting.
     • Accrued Interest cannot be transferred.
     • Drill back on Accrued Interest opens Interest Inquiry.
   • Unposted Transactions, displays the unposted balance for the selected account.
     • Unposted transaction amounts cannot be transferred.
   • Deferred Transactions, displays the balance of all posted account transactions, for the selected account, after the effective date entered for the transfer.
     • Deferred transaction amounts cannot be transferred.
   • Deferred Transaction Expansion when selected will open Loan Transaction Transfer to move individual transactions for the selected customer/account to another account for the selected customer.
2. To Account Section:
   • Customer, a valid Customer ID that is used mainly to restrict the account number lookup.
   • Account Number, a valid account number used to transfer from.
   • Account Number Lookup, opens the Loan Account Lookup window.
   • Current Balance, displays the balance of all posted account transactions, for the selected account, with an effective date prior to the effective date entered for the transfer.
   • Balance After Transfer, displays what the account balance will be after the transfer process has completed.
   • Unposted Transactions, displays the unposted balances for the selected account.
   • Deferred Transactions, displays the balance of all posted account transactions, for the selected account, with an effective date after the effective date entered for the transfer. .
   • Deferred Transaction Expansion when selected will open Loan Transaction Transfer to transfer individual transactions for the selected account.
3. Batch Number.
   • Must be present in order to save a transfer.
   • Must be blank to post on the fly, will create a GL batch as LNMMDD-User Name where LN is the prefix for a loan batch, MM = month and DD = day and User.
4. Rollover checkbox when marked designates the transfer as a rollover transaction and the following will occur.
   • All interest will be calculated and posted on the From Account.
   • All open amounts will be transferred to the To account.
   • The From account will be closed,
   • The Transaction number on the accounts will use the Rollover account number.
   • A rollovers cannot occur if the from account has unposted transactions.
5. Transaction Date is the date the transaction is being entered on. The date defaults to the user date.
6. Effective Date is the date the transaction will be effective. Date will default to user date or the earliest available date after the account numbers have been entered.
   • Date cannot be prior to the last interest or payment posted for either account involved.
7. Amount, is the amount of the transfer. Amount can only be a positive number and will default when the Rollover checkbox is marked.
8. Comment, user comment that will be saved with the transfer transactions.
9. Transfer Number is a system generated identifier to track the transfer.
10. Transfer Number Lookup opens Loan Transfer Lookup to view transfer transactions.
    • Transactions generated from Loan Transaction Transfer Entry are not available to be transferred from this window, if selected user will be prompted.
11. Distribution button will open the Loan Transfer Distribution window and can be used to view/modify the default transaction distributions.

• • The system will only create default distributions when the Loan GL Accounts assigned to the plans, on the accounts, are different.
  • Any distribution entered in the distribution window will be assigned to a general ledger transaction.

1. Save button, when selected will save the Loan Transfer to the batch.
2. Clear button, when selected will clear the window ignoring any changes made.
3. Delete button, when selected will delete the selected transfer.
4. Post button, when selected will processes the transfer of funds between the given accounts and create any applicable general ledger transactions.

Loan Transaction Transfer

Loan Transaction TransferD2HML|C1H Conditional|platform=manual

Loan Transaction Transfer is used to move individual transactions from one account to another, within a specific customer. The user will not be able to change information about the transaction.

1. Open Loan Transaction Transfer.

(Transactions>Loan>Transaction Transfer Entry)

1. Cannot transfer transactions prior to an interest calculation.
2. Customer, a valid Customer ID that is used mainly to restrict the account number lookup.
3. Account Number, an active loan account number.
4. Account Number lookup, when selected opens the Loan Account Lookup window.
   • Only accounts for the selected customer will be displayed in the lookup window.
5. From and To Transaction, used to stream line the list to a range of transaction numbers.
6. All Transaction checkbox, when marked, displays all transactions for the customer/account selected.
   • By default the All Customers checkbox is marked.
7. From and To Effective Dates, restricts the list to include only the transaction effective dates selected.
8. All Effective Dates checkbox, when marked, displays transactions for all effective dates for the customer/account selected and are within the From and To Transactions selected.
   • By default the All Effective Dates checkbox is marked.
9. Loan Batch, a valid transaction transfer loan batch to apply the transfers to.
10. Scrolling window:
    • Only posted transactions since the last interest posting date for the selected Account will be displayed.
    • Transfer to Acct:
      • The account the user wishes to transfer the transaction to.
      • The field is the only editable field in the scrolling window.
      • Only an Account for the same customer can be selected.
    • Select the Distributions Icon to open the Loan Transfer Distribution window.
11. Remove Transfers button, when selected will clear selected Transfer to Accounts from the scrolling window.
12. Save button, when selected save the transaction to the loan batch.
13. Clear button, when selected will clear the window without saving changes.
14. Redisplay button, when selected will refresh the scrolling window based on the selected restrictions.

Loan Plan Advancing Sales

Loan Plan Advancing SalesD2HML|C1H Conditional|platform=manual

Loan Plan Advancing Sales is the ability to apply sales document amounts to a Loan Account. The Cinch Sales screens will treat applying similar to prepay in that the clearing of the A/R will be treated as a posted Cash Deposit on the document.
This section will contain the following procedures:
 Note Apply Counter Sales Entry

• Note Apply Invoice Maintenance
• Note Apply Sales Return Entry
• Note Apply Split Details Entry

Note Apply Counter Sales Entry

1. Open Counter Sales Entry.

(Transactions>Cinch Sales>Counter Sales)

1. The Customer Loan Notes visual indicator will display next to the Name field, when the Sales Setup, AgNotes Enabled checkbox is marked. The three types of indicators are:
   • NA ( ) – not available will display if the customer does not have any notes/loan accounts.
   • A ( ) – automatic apply will display if the customer has a note with the Auto Pay invoices checkbox marked within one of their loan accounts.
     • System will automatically advance the net invoice amount to the Loan Account per line automatically.
     • The system will not apply more than the Available Amount (Max Adv) for the Loan Account selected.
     • In order to disable the auto-apply mode the user will be able to toggle the apply method using the Customer Loan Notes visual switch.
       • Toggling from Automatic to Manual will unapply ALL auto applied amounts and the user can then manually select which lines qualify for application to a Loan Account.
   • M ( ) – manual will display if the customer has note/loan account(s) and none of them have the Auto Pay Invoices checkbox marked. The user can manually apply/un-apply the loan account(s).
2. Accessing the Loan Plan Apply screen:
   • When application is based on a specific line the user can use the drill down on the Extended Price label to open the Loan Plan Apply screen allowing the user to do a line level application.
   • When all lines on the document qualify for application to a note the user can use the drill down provided on the Total label for the document to open the Loan Plan Apply screen.
   • Please see the Note Apply Split Details Entry section of this manual on how to apply loans to split transactions.
   • Savings and Loan does not support multicurrency transactions. Transactions must be made using the companies' functional currency.

• • • The header section displays basic information about the customer, the transaction and the amount of prepay or budget applied to the transaction.
    • The line section displays
      • Account Number, displays open loan account numbers for the customer.
      • Account Description, displays the Loan account descriptions.
      • Plan ID, displays the Plan ID attached to the Loan Account Number.
      • Note Date, displays the Origination Date of the Loan Account.
      • Maturity Date – Displays the Maturity Date of the Loan Account.
      • The Available Amount will display the Maximum Advance (Life to Date) amount available for each loan.
      • Select, checkbox, used to select the Loan Account the transaction should be applied too.
        • The system will not apply more than the Available Amount for each loan.
        • If there is a remaining unapplied amount after a Loan Account has been selected, the user will be able to select another Loan Account to apply to the transaction.
        • User will not be able to adjust the amount applied to each loan.
    • After selecting an Account and then pressing Apply the user will be returned to the Counter Sales screen.

1. Budget - Note App, amount will be adjusted as lines are applied to a customer's note(s) to display the total amount applied to a note(s).
   • This field is only visible when the Sales Setup AgNotes Enabled checkbox is marked.
2. On account:
   • The Note Apply is not considered a payment received, however it does reduce the account amount.
3. Amount Received will not display the Note Applied amount however the payment record created will be displayed in the Sales Payment Maint window.
4. Open the Sales Payment Maint window (Amount Received expansion button).

• • A payment record will be created for the Loan Plan Apply amouont.
    • Source will be NoteApply.
  • The total amount being applied to a note will be noted in the header section of the screen in the field labeled Note Applied.

1. Removing the note application from a document line or the entire document is provided with the icon.
   • The Customer Has Notes visual indicator must be M to remove the note application.
   • To remove note application for the entire document the icon next to the Document Total can be used.
   • To remove note application from a single line the header icon would be used.
2. Distributions, amounts applied to a note will use the Loan GL Account number associated to the Note.

Note Apply Invoice Maintenance

1. Open Invoice Maintenance.

(Transactions>Cinch Sales>Invoices)

1. The Customer Loan Notes visual indicator will display when the Sales Setup, AgNotes Enabled checkbox is marked. The three types of indicators are:
   • NA ( ) – not available will display if the customer does not have any notes/loan accounts.
   • A ( ) – automatic apply will display if the customer has a note with the Auto Pay invoices checkbox marked within one of their loan accounts.
     • System will automatically advance the net invoice amount to the Loan Account per line automatically.
     • The system will not apply more than the Available Amount (Max Adv) for the Loan Account selected.
     • In order to disable the auto-apply mode the user will be able to toggle the apply method using the Customer Loan Notes visual switch.
       • Toggling from Automatic to Manual will un-apply ALL auto applied amounts and the user can then manually select which lines qualify for application to a Loan Account.
   • M ( ) – manual will display if the customer has note/loan account(s) and none of them have the Auto Pay Invoices checkbox marked. The user can manually apply/un-apply the loan account(s).
2. Accessing the Loan Plan Apply screen:
   • When application is based on a specific line the user can use the drill down on the Extended Price label to open the Loan Plan Apply screen allowing the user to do a line level application.
   • When all lines on the document qualify for application to a note the user can use the drill down provided on the Total label for the document to open the Loan Plan Apply screen.
   • Savings and Loan does not support multicurrency transactions. Transactions must be made using the companies' functional currency.

• • • The header section displays basic information about the customer, the transaction and the amount of prepay or budget applied to the transaction.
    • The line section displays
      • Account Number, displays open loan account numbers for the customer.
      • Account Description, displays the Loan account descriptions.
      • Plan ID, displays the Plan ID attached to the Loan Account Number.
      • Note Date, displays the Origination Date of the Loan Account.
      • Maturity Date – Displays the Maturity Date of the Loan Account.
      • The Available Amount will display the Maximum Advance (Life to Date) amount available for each loan.
      • Select, checkbox, used to select the Loan Account the transaction should be applied too.
        1. The system will not apply more than the Available Amount for each loan.
        2. If there is a remaining unapplied amount after a Loan Account has been selected, the use will be able to select another Loan Account to apply to the transaction.
        3. User will not be able to adjust the amount applied to each loan.
    • After selecting an Account and then pressing Apply the user will be returned to the Invoice Maintenance screen.

1. Budget - Note App, amount will be adjusted as lines are applied to a customer's note to display the total amount applied to a note(s).
   • This field is only visible when the Sales Setup AgNotes Enabled checkbox is marked.
2. On account:
   • The Note Apply is not considered a payment received, however it does reduce the account amount.
3. Amount Received will not display the Note Applied amount however the payment record created will be displayed in the Sales Payment Maint window.
4. Open the Sales Payment Maint window (Amount Received expansion button).

• • A payment record will be created for the Loan Plan Apply amouont.
    • Source will be NoteApply.
  • The total amount being applied to a note will be noted in the header section of the screen in the field labeled Note Applied.

1. Removing the note application from a document line or the entire document is provided with the icon.
   • The Customer Has Notes visual indicator must be M to remove the note application.
   • To remove note application for the entire document the icon next to the Document Total can be used.
   • To remove note application from a single line the header icon would be used.
2. Distributions, amounts applied to a note will use the Loan GL Account number associated to the Note.

Note Apply Sales Returns Entry

1. Open Sales Returns Entry.

(Transactions>Cinch Sales>Returns)

1. The Customer Loan Notes visual indicator will display when the Sales Setup, AgNotes Enabled checkbox is marked. The types of indicators are:
   • NA ( ) – not available will display if the customer does not have any notes/loan accounts.
   • M ( ) – manual will display if the customer has note/loan account(s). The user can manually apply/un-apply the loan account.
   • Auto Apply is not supported unless the Return From Document is selected and the Return From Document total or Return From Document line has an amount previously charged to a customer's note.
     • If the note has been closed it will NOT automatically be reversed. The user will have to manually apply the return amounts to another note for the customer from the Loan Plan Apply window.
     • The user can override the defaults in the event part of the line amount should not be returned to that Loan Account.
2. Removing the note application from a document line or the entire document is provided with the icon.
   • To remove note application from a single line the header icon would be used.
   • To remove note application for the entire document the icon next to the Note Returned can be used.
3. Accessing the Loan Plan Apply screen:
   • When application is based on a specific line the user can use the drill down on the Extended Price label to open the Loan Plan Apply screen allowing the user to do a line level application.
   • When all lines on the document qualify for application to a note the user can use the drill down provided on the Total label for the document to open the Loan Plan Apply screen.
   • Please see the Note Apply Split Details Entry section of this manual on how to apply loans to split transactions.
   • Savings and Loan does not support multicurrency transactions. Transactions must be made using the companies' functional currency.

• • • The header section displays basic information about the customer, the transaction and the amount of prepay or budget applied to the transaction.
    • The line section displays
      • Account Number, displays only accounts with current balances.
      • Account Description, displays the Loan account descriptions.
      • Plan ID, displays the Plan ID attached to the Loan Account Number.
      • Note Date, displays the Origination Date of the Loan Account.
      • Maturity Date – Displays the Maturity Date of the Loan Account.
      • Current Balance – Displays the total amount owed on the loan.
      • Select, checkbox, used to select the Loan Account the transaction should be applied too.
        • The system will apply more than the Current Balance for each loan.
        • User will not be able to adjust the amount applied to each loan.
    • After selecting an Account and then pressing Apply the user will be returned to the Invoice Maintenance screen.

1. Note Returned will display the total amount applied to a note(s).
   • This field is only visible when the Sales Setup AgNotes Enabled checkbox is marked.
2. Net Return will not display the Note Applied amount however the payment record created will be displayed in the Sales Payment Maint window.
3. Open the Sales Payment Maint window (Net Return expansion button).

• • A payment record will be created for the Loan Plan Apply amouont.
    • Source will be NRTN .
  • The total amount being applied to a note will be noted in the header section of the screen in the field labeled Note Applied.

Note Apply Split Details Entry

1. Open Split Details Entry.

(Transactions>Cinch Sales>Counter Sales: Split expansion or
Transactions>Cinch Sales>Returns: Split expansion)

1. Split transaction will be displayed per line; therefore, Loans can only be applied per line.
2. The Customer Loan Notes visual indicator, next to the Scrolling window's Customer field, will display when the Sales Setup, AgNotes Enabled checkbox is marked, and could be different for each customer.
   • Counter Sales transaction will display three types of indicators and will have the Source Document type set to CnTr Split.
     • NA ( ) – not available will display if the customer does not have any notes/loan accounts.
     • A ( ) – automatic apply will display if the customer has a note with the Auto Pay invoices checkbox marked within one of their loan accounts.
       • System will automatically advance the net invoice amount to the Loan Account per line automatically.
       • The system will not apply more than the Available Amount (Max Adv) for the Loan Account selected.
       • In order to disable the auto-apply mode the user will be able to toggle the apply method using the Customer Loan Notes visual switch.
         • Toggling from Automatic to Manual will un-apply ALL auto applied amounts and the user can then manually select which lines qualify for application to a Loan Account.
     • M ( ) – manual will display if the customer has note/loan account(s) and none of them have the Auto Pay Invoices checkbox marked. The user can manually apply/un-apply the loan account(s).
   • Return transaction will display two types of indicators and will have the Source Document type set to Rtn Split.
     • NA ( ) – not available will display if the customer does not have any notes/loan accounts.
     • M ( ) – manual will display if the customer has note/loan account(s). The user can manually apply/un-apply the loan account.
     • Split transaction from Sales Return Entry will only auto apply to loans if the transaction was created from a Return From document and the Return From document had an amount previously charged to a customer's note.
       • If the note has been closed it will NOT automatically be reversed. The user will have to manually apply the return amounts to another note for the customer from the Loan Plan Apply window.
       • The user can override the defaults in the event part of the line amount should not be returned to that Loan Account
3. Accessing the Loan Plan Apply screen:
   • User can use the drill down on the Extended Price label to open the Loan Plan Apply screen allowing the user to do a line level application.
   • Please see the Loan Play Apply section of this manual for more information on this window.
4. Removing the note application from a document line is provided with the icon.
   • To remove note application from a single line the header icon would be used.
5. The Note Applied amount is displayed in the expanded view of the scrolling window.

Chapter 10CINCH Loan Plan Inquiries

This chapter explains CINCH Loan Plan Inquires.
This chapter will contain the following sections:
 Loan Account Balance Inquiry

• Loan Account Balance Inquiry List

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Cinch Loan Plan Inquiries

Loan Account Balance Inquiry

Loan Account Balance InquiryD2HML|C1H Conditional|platform=manual

Loan Account Balance Inquiry is used to view an account balance and all posted transactions for the selected customer/account.

1. Open Loan Account Balance Inquiry.

(Inquiry>Loan>Loan Balance Inquiry)

1. Customer is a valid Dynamics Customer ID used to limit the scope of the account number lookup. If a customer is not entered the account lookup will show all accounts in the system.
2. Customer Name will display for the selected Customer.
3. Account Number is a valid loan account number.
4. Account Number Lookup, opens the Loan Account Lookup window.
5. Current Balance works in conjunction with the "as of date" and will display the balance of all posted account transactions for the selected account with an Effective Date prior to the "as of date".
6. As of, is the date that determines the Current Balance and Posted Interest amounts. The user date will default but can be changed.
7. Interest Owed will display the net amount of Total Calculated Interest, Interest Adjustments, Accrued Interest and Interest Payments as of the "as of date".
8. Drill back on Interest Owed opens Interest Inquiry.
9. Sub Total is the total of the Current and Interest Owed amounts.
10. Unposted Transactions displays the unposted balance for the selected account.
11. Include in List, when selected, will display the unposted transactions in the Transactions scrolling window.
12. Deferred Transactions, the following rules will apply:
    • Includes Invoices and Returns transactions with deferred dates only. It WILL NOT contain loan transactions with deferred dates, created via the Loan Transaction Entry or Loan Transfer windows.
    • Only transactions where the Transaction Date is on or before the "as of" date AND the Effective Date is after the "as of" Date will be displayed.
13. Total is the sum of Sub Total plus Unposted Transactions and Deferred Transactions.
14. Posted Interest:
    • Total is the lifetime interest that has been posted to the account.
    • The first Interest amount is the total interest posted to the account for the prior year.
    • The second Interest amount is the total interest that has posted to the account for the current year.
15. Transactions, will display all posted transactions associated with this account number. The following will be included in the list:
    • Transaction Number
    • Transaction Date
    • Effective Date
    • Trx Type
      • Advance
      • Payment
      • Interest
      • Adjustment
      • Transfer
      • Rollover
    • Doc Number will display either an invoice number, credit memo, check number or blank depending on the transaction type.
    • Trx Amount is the total amount of the transaction.
    • Principle
    • Interest
    • Comment
    • Posted Date
    • Created Date
    • Create Time
    • Created User
    • Last Modified Date
    • Last Modified Time
    • Last Modified User
16. Ok button, will close the window.
17. Clear button, will clear and reset the window to view another account.
18. Excel button, will export data from the Transactions list into an Excel spreadsheet.
19. Redisplay button, will clear and redisplay the list view.
20. Go To button, is a drop down list with the following options:
    • Print Statement
      • When selected, the Loan Statements opens.
    • Print Trx List
      • When selected, the Loan Reports window opens to select the appropriate report to run for the selected account.
    • Trx Inquiry Zoom
      • When selected the Loan Transaction Inquiry Zoom window will open to display the selected transaction.
      • Double clicking on a line in the scrolling window will also open the Loan Transaction Inquiry Zoom window.

• • • • Print button when selected will reprint the Transaction Receipt.
      • Go To button, is a drop down list with the following options:
        • Print Statement
          • When selected, the Loan Statements opens.
        • Print Trx List
          • When selected, the Loan Reports window opens to select the appropriate report to run for the selected account.
      • Distributions button when selected will open the Transaction Distribution Inquiry or Transfer Distribution Inquiry window based on the Transaction Type, to view the transaction distributions.

Loan Account Balance Inquiry List

Loan Account Balance Inquiry ListD2HML|C1H Conditional|platform=manual

Loan Account Balance Inquiry List is used to view account balance information for a list of accounts.

1. Open Loan Account Balance Inquiry List.

(Inquiry>Loan>Loan Balance List)

1. From and To Plan, restriction by plan for the accounts to include in the scrolling window.
   • User can limit the restriction by specifying the From Plan and To Plan.
2. All Plans checkbox, when marked all Plans will be included.
   • By default the All Plans checkbox is marked.
3. From and To Customer, restriction by customer for the accounts to include in the scrolling window.
   • User can limit the restriction by specifying the From Customer and To Customer.
4. All Customers checkbox, when marked all Customers will be included.
   • By default the All Customers checkbox is marked.
5. From and To Account, restriction by account for the accounts to include in the scrolling window.
   • User can limit the restriction by specifying the Account From and Account To.
6. All Accounts checkbox, when marked all Accounts will be included.
   • By default the All Accounts checkbox is marked.
7. Cutoff Date, the date that the account balances will be calculated for. The date defaults to the user date when the window is displayed, but the date can be changed.
8. Zero Balance, defaults as unchecked
   • Checked – zero balanced loan account will show in the list view.
   • Unchecked – zero balanced loan accounts will not show in the list view.
9. The following will be included in the list box:
   • Account Number
   • Customer
   • Current Bal, includes all transactions with effective date on or prior to the Cutoff Date.
   • Deferred Bal, displays transactions with deferred dates only, the following rules will apply.
     • Only Invoices and Returns It WILL NOT Contain Adjustments or Transfers from AgNotes.
     • Only transactions where the Cutoff Date is on or before the Transaction Date AND the Cutoff Date is before the Effective Date.
   • Principle Bal, is Current Bal + Deferred Bal
   • Interest Owed, is the amount of accrued and unpaid interest (Including interest adjustments) as of the Cutoff Date.
   • Total Owed, is Current Bal + Deferred Bal + Interest Owed
   • Origination Date
   • Maturity Date
   • Interest Rate
   • Tax Name
   • Tax Address 1
   • Tax Address 2
   • Tax City
   • Tax State
   • Tax Zip Code
   • Tax ID
   • Branch
   • Branch Segment ID, the Branch Account Segment for the given branch.
   • User Defined 1
   • User Defined 2
   • User Defined CB 1
   • User Defined CB 2
   • Double clicking an account in the list view will open the Loan Account Balance Inquiry window.
10. Ok button, will close the window.
11. Clear button, will clear the window and prepares it for another inquiry.
12. Excel button, will export data from the list view into an Excel spreadsheet.
13. Redisplay button, will clear and redisplay the list view based off of the selected ranges.
14. Go To button, is a drop down list with the following option:
    • Balance Inquiry, when selected the Loan Account Balance Inquiry window will open with the Customer/Account Number populated.
    • Double clicking on a line in the scrolling window will also open the Loan Balance Inquiry window.

Chapter 11:CINCH Loan Plan Reports

This chapter explains the CINCH Loan Plan Reports.
This chapter will contain the following sections:
 Loan Reports

• Loan Statements

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Cinch Loan Plan Reports

Loan Reports

Loan ReportsD2HML|C1H Conditional|platform=manual

Loan Reports is used to select and restrict the information included in the loan reports.
This section will contain the following procedures:
 Printing Loan Reports

• Account Transactions List by Date – Posted Report
• Account Transactions List by Date – Unposted Report
• Loan Plan List Report
• Loan Plan List Report by Branch

Printing Loan Reports

1. Open Savings Reports.

(Reports>Loan>Loan Reports)

1. Report Name is a drop down list with the following options:
   • Account Transactions List by Date – Posted
   • Account Transactions List by Date – Unposted
   • Loan Plan List
   • Loan Plan List by Branch
2. Include checkboxes, specifies the transaction types to include. Options are:
   • Advance
   • Payment
   • Interest
   • Adjustments
   • Transfers
   • Rollbacks
3. From and To Plan, restriction by plan for the accounts to include in the report.
   • User can limit the restriction by specifying the From Plan and To Plan.
4. All Plans checkbox, when marked all Plans will be included.
   • By default the All Plans checkbox is marked.
5. From and To Customer, restriction by customer for the accounts to include in the report.
   • User can limit the restriction by specifying the Customer From and Customer To.
6. All Customers checkbox, when marked all Customers will be included.
   • By default the All Customers checkbox is marked.
7. From and To Account, restriction by account for the accounts to include in the report.
   • User can limit the restriction by specifying the Account From and Account To.
8. All Accounts checkbox, when marked all Accounts will be included.
   • By default the All Accounts checkbox is marked.
9. From and To Trx Date, only used for the Loan Plan Transactions List report. Restricts by transaction date for the transactions to include in the report.
10. All Transaction Dates checkbox, when marked all transaction dates will be included.
11. From and To Effective Date, only used for the Loan Plan Transactions List report. Restricts by effective date for the transactions to include in the report.
12. All Effective Dates checkbox, when marked all effective will be included.
13. Accrue Interest Thru, is the date that interest will accrue thru for any reports with accrued interest calculations.
14. Destination selection determines where report will print. Options are Printer or Screen.
15. Clear button when selected clears the window.
16. Print button when selected prints the selected report using the restriction specified in the window.

Account Transactions List by Date – Posted Report

Loan Plan Transactions List by Date is a listing of all the posted transactions that affected the loan plan.

Account Transaction List by Date – Unposted Report

Loan Plan Transactions List by Date is a listing of all the unposted transactions that affected the loan plan.

Loan Plan List Report

Loan Plan List is a listing of all customers and their loan balance. User can see the principle balance and accrued interest balances.

1. Report is sorted by Customer ID.
2. This will be the primary report used as the source document to book accrued interest revenue to the General Ledger.

Loan Plan List by Branch Report

Loan Plan List by Branch is a listing of all customers and their loan balance by Branch. User can see the principle balance and accrued interest balances.

1. Branch comes from the default branch from the Customer ID.

Loan Statements

Loan StatementsD2HML|C1H Conditional|platform=manual

Loan Statements is the customer's loan statement.
This section will contain the following procedures:
 Printing Loans Statements

Printing Loan Statements

1. Open Loan Statements.

(Reports>Loan>Loan Statements)

1. Statement Option drop down list options are:
   • Print New Statement
   • Print Payoff Statement
     • Report is the same as the statement with the addition of the comment "The Payoff is only good thru the statement date above".
2. Account Status dropdown defaults to Open and allows the user to restrict which statements should be printed.
   • Open, when selected, all accounts that are not marked as closed will be printed.
   • Closed, when selected, all accounts that have been marked as closed will be printed.
   • All, when selected, all accounts (open and closed) will be printed.
3. Transaction Start Date, the date the user wants to start seeing transaction detail on the report.
4. Statement Date From, the ending transaction effective date to include Transaction End Date, the date the user wants to see the transaction detail stop and any interest accrual calculation to go through.
5. Accrue Interest to Date is the date to calculate interest thru. This will also be the statement date.
6. From and To Plan, restriction by plan for the accounts to include on the statement.
   • User can limit the restriction by specifying the From Plan and To Plan.
7. All Plans checkbox, when marked all Plans will be included.
   • By default the All Plans checkbox is marked.
8. From and To Customer, restriction by customer for the accounts to include on the statement.
   • User can limit the restriction by specifying the Customer From and Customer To.
9. All Customers checkbox, when marked all Customers will be included.
   • By default the All Customers checkbox is marked.
10. From and To Account, restriction by account for the accounts to include on the statement.
    • User can limit the restriction by specifying the Account From and Account To.
11. All Accounts checkbox, when marked all Accounts will be included.
    • By default the All Accounts checkbox is marked.
12. Select Destination, where report will print. Options are Printer or Screen.
13. Clear button when selected clears the window.
14. Print button when selected prints customer statement report using the restriction specified in the window.
    • Statement will be grouped by Customer and Account Number.
    • Zero Balance, system will not print a statement for Customer if:
      • The Customer had a zero balance as of the beginning date.
      • The Customer had no activity during the date range specified.

Chapter 12:CINCH Loan Plan Routines

This chapter explains the CINCH Loan Plan Routines.
This chapter will contain the following sections:
 Loan Interest Compounding
D2HML|C1H Conditional|platform=manual

Cinch Loan Plan Routines

Loan Interest Compounding

Loan Interest CompoundingD2HML|C1H Conditional|platform=manual

Loan Interest Compounding is used to calculate interest on accounts and post the interest to the principle balance.

1. Open Loan Interest Compounding.

(Microsoft Dynamics GP>Tools>Routines>Savings and Loan>Loan Interest Compounding)

1. From and To Plan, restriction by plan for the accounts to include in the scrolling window.
   • User can limit the restriction by specifying the From Plan and To Plan.
2. All Plans checkbox, when marked all Plans will be included.
   • By default the All Plans checkbox is marked.
3. From and To Customer restriction by customer for the accounts to include in the scrolling window.
   • User can limit the restriction by specifying the Customer From and Customer To.
4. All Customers checkbox, when marked all Customers will be included.
   • By default the All Customers checkbox is marked.
5. From and To Account, restriction by account for the accounts to include in the scrolling window.
   • User can limit the restriction by specifying the Account From and Account To.
6. Account Number Lookup, opens the Savings Account Lookup window.
7. All Accounts checkbox, when marked all Accounts will be included.
   • By default the All Accounts checkbox is marked.
8. Accrue Interest Thru, the date interest will be calculated through when calculating the Accrued Interest column of the scrolling window.
9. Batch, the loan batch that the interest transactions will be added to.
10. Scrolling window:
    • Account Number, the account the interest accrual will be calculated for.
    • Account Description is the description associated with the Account Number.
    • Balance is the principle balance of the account on the Accrue Interest Thru date.
    • Accrued Interest is the amount of interest that has accrued since the last interest posted date and the selected Accrue Interest Thru Date in the header.
      • Interest Calculation:
        • System will calculate the interest on a daily basis. The formula is: ((Interest Rate / Days Per Year on the Plan) X number of Days X Account Balance)). Every time the account balance changes, the system will accrue the interest based on the new Balance.
        • Every time the Rate changes, the system will accrue interest based on the new rate.
          • System will look to the interest rate table and use the rate as entered from the effective date until the effective date of the next entered rate.
      • Number of Days is the Ending Date less Starting Date. System will use Effective Date when figuring interest. System will loop though all transactions since the last Interest accrual transaction.
        • Starting Date will be the earlier of:
          • The day after the last interest accrual transaction. If no interest accrual transactions exist, it will be the effective date of the first transaction in the system.
          • The effective date of an interest rate change.
        • Ending date will be the lesser of:
          • The effective date of the transaction immediately following the starting date.
          • The effective date of an interest rate change.
          • The effective date of the interest accrual. (Entered by user) User will tell system to post interest up until a certain date.
      • System will use the whole day concept:
        • If money was advanced on one day and repaid on the same date, no interest would be accrued for that day. Zero days have passed.
        • If money was advanced on one day and repaid the next, the system will figure interest for one day. It will NOT count both the first day and the last day.
    • Interest Due is the amount that will be compounded and is the total Calculated Interest plus/minus Interest Adjustments minus Interest Payments.
    • Select checkbox, must be checked if the user wishes to process the interest for the account line.
      • User will not be allowed to select an account that has unposted transactions.
    • The select checkbox in the scrolling window header will select all if it is checked or unmark all if it is unchecked.
    • The GL Distribution icon in the scrolling window header when selected will open the Loan Transaction Distributions window where the general ledger distributions can be viewed or modified.
11. OK, closes the window.
12. Clear, clears the window without saving or processing any changes.
13. Redisplay, refreshes the scrolling window based on the selected restrictions.
14. Process, when selected the following will occur:
    • An interest transaction will be created for each selected Account Number for the amount of the Accrued Interest value.
      • Transaction Date. System will record the date that the accrual was run (user Date).
      • Effective Date: will be the "Accrue Interest Thru" date.
        • It is possible to have multiple transactions on the same effective date. In that case, system will use the date and the balance from the last transaction entered for that day (because the system will keep a running balance on each transaction record, the last one entered will have the correct balance for the end of the day).
        • The balance used will be the balance at the beginning of the day.
      • Transaction Type: will be Interest.
      • The Account balance will increase and the system will accrue deferred interest on the new balance.
    • For Loan Interest:
      • Loan Interest Accrual, the monthly accrual of interest.
        • Debit Accrued Loan interest Receivable
        • Credit Interest Income
      • Loan Interest Posting.
        • Debit Customer Loans
        • Credit Accrued Loan interest Receivable
15. Go To button, is a drop down list with the following option:
    • Balance Inquiry, when select the Loan Account Balance Inquiry opens.