Processing Environment

The entire process is implemented utilizing your existing PC/Server environment. The bank only needs a license for using Microsoft ACCESS. This PC database approach has proven to be very efficient from both a processing and development cost perspective. The database also provides greater availability of data to Accounting Departments for knowledge, review, and audit purposes. It is also easier to respond to Regulators' questions when Compliance Reviews are conducted.

The Typical Processing Flow uses existing fields from the DDA Master captured on a daily basis and extracted to a standard text file format. These fields include: Account Number, Product Type Code, Average Balance (Previous MTD Average Preferred), and Ending Ledger Balance.

This data is then imported into the Ceto Deposit Sub Accounting Module by the user. Utilizing the Threshold Percentages and the Ceto Algorithm, the Checking and Savings Sub Accounts as well as the Transfer counter are updated for each account each day.

The Checking and Savings Sub Account Balances for each account are then totaled for balancing and reserve requirement reporting purposes. There is no need to feed data back to the DDA system.

At the end of each day, a Closing process is performed to ready the database for tomorrow's processing as well as provide a back up table of each day's processing.

At the end of each month, additional reports are provided that allow the user to update the Threshold Percentage Table. At the end of each Quarter, a report is created for assistance with preparation of the Call Report.

The database has been established utilizing the user friendly features of Microsoft Access. As such, the user does not require any advance knowledge of Microsoft ACCESS prior to implementation. As evidenced by the Start Up Screen, prior knowledge is limited to the ability to "double click" command buttons.