ACH Withdrawal: Account Types, IRA Rules & Tax Withholding

flowchart TD START(["EligibilityService.EvaluateEligibility()"]) R1["Rule 1: Validate amount > 0 and numeric"] R2{"Rule 2: Account class code\nin known set? (57 codes)"} R2F(["FAIL: Unknown account type"]) R3["Rule 3: Determine IsRetirement\n28 retirement codes vs 29 non-retirement"] R4{"Rule 4: BORD restrictions check"} R4F(["FAIL: BORD restricted"]) R5{"Rule 5: House account check"} R5F(["FAIL: House account"]) R6{"Rule 6: Is this ACHD\n(withdrawal/distribution)?"} R6N["Non-retirement path:\nStandard withdrawal rules"] R7{"Rule 7: IRA distribution checks\n(retirement only)"} R7A["7a: Age validation\n< 59.5 = early withdrawal penalty\nunless exception applies"] R7B["7b: RMD check\nAge 73+ Traditional/SEP/Rollover:\nMust take Required Minimum Distribution"] R7C["7c: 5-year rule (Roth)\nR1H/R2H/RDH/RRH/RRX:\nEarnings taxable if < 5 years"] R7D["7d: Excess contribution return\nExcessAmt + ExcessContributionType\nMust be returned by tax deadline"] R8{"Rule 8: Margin check\nIsUseMargin = true?"} R8M["Margin withdrawal:\nSLA = 2, additional validation\nCheck margin balance available"] R9{"Rule 9: Managed account?\nProgramTypeId in managed set?"} R9M["Managed account:\nSLA = 3 for periodic distributions\nMay require advisor approval"] R10["Rule 10: High-dollar threshold"] PASS(["ELIGIBLE"]) START --> R1 --> R2 R2 -->|No| R2F R2 -->|Yes| R3 --> R4 R4 -->|Restricted| R4F R4 -->|Clear| R5 R5 -->|House account| R5F R5 -->|Not house| R6 R6 -->|ACHC deposit| R6N --> R10 R6 -->|ACHD withdrawal| R7 R7 --> R7A --> R7B --> R7C --> R7D --> R8 R8 -->|Yes| R8M --> R10 R8 -->|No| R9 R9 -->|Yes| R9M --> R10 R9 -->|No| R10 --> PASS style START fill:#e8ecff,stroke:#4f6bed style PASS fill:#e6faf5,stroke:#00b894 style R2F fill:#fde8e6,stroke:#e74c3c style R4F fill:#fde8e6,stroke:#e74c3c style R5F fill:#fde8e6,stroke:#e74c3c style R7 fill:#fff8ec,stroke:#f39c12 style R8M fill:#f0eeff,stroke:#6c5ce7 style R9M fill:#f0eeff,stroke:#6c5ce7

flowchart TD START(["TaxWithholdingService.Calculate()"]) RET{"IsRetirement?"} NONRET["Non-retirement: no withholding\nCalculatedNetAmount = Amount"] QUAL{"Qualified plan?\n(QBK/QDA/QFL/QIS/QMF/QMM/QOI)"} MAND["Mandatory 20% fed withholding\non eligible rollover distributions"] IRA["IRA distribution"] FED{"Fed tax indicator\nfrom request or on-file?"} FED_REQ["Use request values:\nFedTaxPercent, FedTaxAmount"] FED_FILE["Use on-file values:\nFederalTaxWithholdingIndicator\nFederalTaxWithholdingPercentage\nfrom BetaAcctMaster"] FED_NONE["No fed withholding\nMin 10% default for IRA if elected"] STATE{"State tax indicator\nfrom request or on-file?"} STATE_REQ["Use request values:\nStateTaxPercent, StateTaxAmount"] STATE_FILE["Use on-file values:\nStateTaxWithholdingIndicator\nStateTaxWithholdingPercentage"] STATE_NONE["No state withholding\nSome states mandate withholding"] NETGROSS{"AmntNetOrGross"} NET["NET distribution:\nCalculatedNetAmount = Amount\nGrossAmount = Amount + taxes"] GROSS["GROSS distribution:\nGrossAmount = Amount\nCalculatedNetAmount = Amount - taxes"] RESULT(["Return: GrossAmount,\nCalculatedNetAmount,\nFedTaxAmount, StateTaxAmount"]) START --> RET RET -->|No| NONRET --> RESULT RET -->|Yes| QUAL QUAL -->|Yes| MAND --> STATE QUAL -->|No| IRA --> FED FED -->|Request provided| FED_REQ --> STATE FED -->|On-file| FED_FILE --> STATE FED -->|None| FED_NONE --> STATE STATE -->|Request provided| STATE_REQ --> NETGROSS STATE -->|On-file| STATE_FILE --> NETGROSS STATE -->|None| STATE_NONE --> NETGROSS NETGROSS -->|N = NET| NET --> RESULT NETGROSS -->|G = GROSS| GROSS --> RESULT style START fill:#e8ecff,stroke:#4f6bed style RESULT fill:#e6faf5,stroke:#00b894 style MAND fill:#fde8e6,stroke:#e74c3c style NONRET fill:#e6faf5,stroke:#00b894

flowchart TD START(["GetSla() for ACHD"]) M{"IsUseMargin = true?"} M_YES["SLA = 2\nMargin withdrawal"] MAN{"IsManagedAccount?\nProgramTypeId in\n10,11,12,13,14,16,17,20,21,22,23,24"} MAN_PER{"Request type\nINS_PER_C or INS_PER_R?"} MAN_YES["SLA = 3\nManaged + Periodic distribution"] MAN_NO["SLA = 0\nManaged + one-time"] IRA{"IRA Type?\nZH / ZE / ZG"} IRA_YES["SLA = 3\nIRA distribution"] ADV{"IsAdvisoryOps?"} ADV_YES["SLA = 1\nAdvisory ops distribution"] DEFAULT["SLA = 0\nStandard"] START --> M M -->|Yes| M_YES M -->|No| MAN MAN -->|Yes| MAN_PER MAN_PER -->|Yes| MAN_YES MAN_PER -->|No| MAN_NO MAN -->|No| IRA IRA -->|Yes| IRA_YES IRA -->|No| ADV ADV -->|Yes| ADV_YES ADV -->|No| DEFAULT style START fill:#e8ecff,stroke:#4f6bed style M_YES fill:#f0eeff,stroke:#6c5ce7 style MAN_YES fill:#f0eeff,stroke:#6c5ce7 style IRA_YES fill:#fff8ec,stroke:#f39c12 style ADV_YES fill:#fff8ec,stroke:#f39c12 style DEFAULT fill:#e6faf5,stroke:#00b894