Transaction Posting Order

This configurable synthetic rule set gives Appel Bank a consistent same-day posting sequence for training, scenario design, reconciliation research, and future nightly-processing validation.

Configured priority

1	Credits of any kind
2	Chargeback
3	Branch Transfer
4	Teller Withdrawal
5	Telephone Transfers
6	AFTs
7	IVR Transfer Debits
8	Online Transfers
9	Wire Transfer / Fees
10	ATM Transfers
11	ATM Withdrawals
12	Visa Money Debit
13	Recurring Debit Card
14	POS Signature / PIN
15	ACH Debit
16	Checks
17	Bank Service Fees

Scenario 01

Same-Day Debit Stack

Opening available balance: $1,100.00

ACH Debit — Utility ACH -$420.00
POS Signature / PIN — Grocery POS -$185.00
Checks — Check #1042 -$610.00
Credits of any kind — Payroll credit +$650.00
Bank Service Fees — Monthly service fee -$12.00

Operator goal: Apply the configured priority, calculate the running available balance, and identify which later debits are affected by earlier posting activity.

Open Posting Control Open Transaction Entry

Scenario 02

Transfer Before Card Activity

Opening available balance: $525.00

Online Transfers — Online transfer debit -$250.00
ATM Withdrawals — ATM cash -$180.00
Recurring Debit Card — Subscription -$125.00
Credits of any kind — Incoming credit +$200.00

Operator goal: Determine the correct posting sequence and explain the resulting balance path before making any overdraft or exception decision.

Open Posting Control Open Transaction Entry