Commercial Customer Platform 5.1 User Guide

Commercial Customer Platform 5.1
User Guide
Table of Contents
Commercial Customer Platform ..................................................................................1
Business Banking Overview ....................................................................................1
Features and Services .........................................................................................1
Account Usage Restrictions ....................................................................................2
Password Requirements .........................................................................................2
Accessing Cash Management Online Banking...........................................................2
Multifactor Authentication ......................................................................................4
Enhanced Login Security Challenge .........................................................................5
Token Challenge ....................................................................................................7
Navigation .............................................................................................................9
Access to Multiple Company Accounts ................................................................... 10
Administration ..................................................................................................... 11
Set Account Name ............................................................................................ 12
Change Timeout ............................................................................................... 13
Change Company Password .............................................................................. 14
Change Company PIN ....................................................................................... 14
Change My Password........................................................................................ 15
Change Email Address ...................................................................................... 16
Set Main Page .................................................................................................. 17
Manage One-time Passcode Delivery - [customized product name] ..................... 17
Maintain Security Questions .............................................................................. 19
Manage Users .................................................................................................. 20
User Activity Reports ........................................................................................ 45
Account Activities & Reporting .............................................................................. 50
Account Reporting ............................................................................................ 50
Reconciliation Services ...................................................................................... 71
Stop Payments ................................................................................................. 82
Payments & Transfers .......................................................................................... 84
Account Transfer .............................................................................................. 85
Manage Sweeps ............................................................................................... 94
Wire Transfer ................................................................................................... 97
ACH (Automated Clearing House Origination) ................................................... 121
Federal Tax Payments .................................................................................... 154
Bill Pay .......................................................................................................... 159
Small Business FinanceWorks ............................................................................. 159
Accessing Small Business FinanceWorks .......................................................... 159
Online Requests ................................................................................................ 163
Request Cash/Change Order Form................................................................... 163
Reorder Checks .............................................................................................. 165
Reordering checks .......................................................................................... 166
Request a Photocopy ...................................................................................... 167
Request Account Research .............................................................................. 169
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Commercial Customer Platform 5.1 User Guide
Requesting account research .......................................................................... 172
Photocopy Request ......................................................................................... 173
Request Bill Pay Research ............................................................................... 173
Email ................................................................................................................ 175
Help ..................................................................................................................... 177
Help Menu ........................................................................................................ 177
Frequently Asked Questions ................................................................................... 179
Internet Browser Errors...................................................................................... 179
Customer Platform - General .............................................................................. 179
Stop Payments .................................................................................................. 181
Limits and Approvals .......................................................................................... 181
ACH/File Processing ........................................................................................... 182
Wires ................................................................................................................ 184
Federal Tax Payments ........................................................................................ 185
Email/Alerts ....................................................................................................... 185
Enhanced Login Security .................................................................................... 186
File Formats.......................................................................................................... 191
ACH Upload File Validation ................................................................................. 191
Create a Delimited ACH Map .............................................................................. 197
Create a Fixed ACH Map..................................................................................... 207
ARP File Formats Processing Method A................................................................ 216
Issues Upload - Processing Method A .............................................................. 216
Method A- ASCII Text - Comma Delimited ....................................................... 217
Method A - ASCII Text - Fixed Column Length ................................................. 218
ARP Issues Register Export ............................................................................. 219
Comma Delimited ........................................................................................... 219
ARP File Formats Processing Method B ................................................................ 220
Issues Upload - Processing Method B .............................................................. 220
Method B- ASCII Text - Fixed Column Length .................................................. 221
Method B - ASCII - Text Comma Delimited ...................................................... 222
Glossary ............................................................................................................ 223
Glossary ........................................................................................................ 223
Glossary ............................................................................................................... 227
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Commercial Customer Platform
Business Banking Overview
The Business Banking system has been designed as a secure, passwordprotected area within your organization’s Web site. The Business Banking
system allows you to perform a variety of cash management tasks.
Features and Services
The features and services of the Commercial Customer Platform are accessed
via the Main Menu and include the following:
Administration- offers a full suite of administrative functions including end user
maintenance, activity reporting, account maintenance, password modification,
and the inactivity timeout setting. Your company administrator has access to
all of the Administration options.
Account Activities & Reporting - provides summary information at a glance
and also allows a drill-down into additional detail for a specific account. For
added convenience and utility, the Account Summary page may be is
customized by using the Create Reports feature. Your paper statement can
also be viewed online within this service group.
Account Transfers - allows you to move funds between accounts within the
same financial institution. Transfers can be scheduled for the current day, a
date in the future or on a recurring basis.
Wire Transfer - moves funds between accounts that are within different financial
institutions.
Stop Payment - allows you to place stops on an individual check or a range of
checks.
ACH - allows you to create ACH files and submit them to your financial
institution.
Tax Payment (EFTPS) - allows you to create Electronic Federal Tax Payments
and submit them to your financial institution.
Online Services - provides a direct request channel for financial institution
services: photocopies of checks or statements, investigation of questionable
transactions, online cash/check orders, and requests to stop receiving paper
statements for select accounts.
Reconciliation Services – allows you to import an Issues Register file, manually
input issues and display and make decisions on exception items. (Exceptions
processing feature is dependent on your FI’s processing method.)
Email - provides a direct link between you and your financial institution.
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Commercial Customer Platform 5.1 User Guide
Bill Pay − The Bill Pay service allows you to pay bills online; add, edit or delete a
payee (the entity that receives the payment); check to see if a payment has
cleared; and email the electronic bill payment service provider. This service is
documented separately.
Account Usage Restrictions
Your host processing system may have intrinsic rules about account usage
(e.g., whether it is allowable to use the Account Transfer service to transfer
funds into or out of a particular account type).
This system is designed to conform to any such rules that the host system
passes along, but it does so in a transparent fashion – that is, it simply does not
offer invalid choices. In all services that use drop down lists to let you choose
accounts, the system populates the account lists only with allowable accounts.
In practical terms, this means that you should not expect to see every account
in the system listed on every drop down list. However, please be aware that
some host processing systems have restrictions on account usage that are not
passed to this system. These accounts will still display in the drop down list. If
one of these accounts is selected and a transaction is initiated, the host may
reject the transaction.
Password Requirements
Password characteristics may be imposed by your financial institution to provide
a greater degree of security. These requirements may include minimum and
maximum length, upper and lower case alpha characters, numeric, or special
characters (e.g. "!" "@" "#" etc.).
The password rules for your financial institution are displayed on the change
password screens. If you try to create a password that does not meet the
requirements, a message will appear with instructions on creating a valid
password.
For example:
You have entered an invalid password. All passwords must satisfy the
following criteria:
* Minimum length (characters): 8
* Maximum length (characters): 16
* Minimum number of alphabetic characters: 4
* Minimum number of special (non-alphanumeric) characters: 2
Accessing Cash Management Online Banking
Access the online banking system using your financial institution’s Web site.
From your financial institution’s web site, click the graphic or text that indicates
a link to the online banking system. The online banking login screen appears.
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Commercial Customer Platform
Note: If your financial institution has elected to use a Four-Part Login, you will
also see a Company Password entry field.
1. Enter your company ID as assigned by your financial institution and your
company password, if applicable.
2. Enter your user ID as assigned by your company administrator.
3. Enter your user password.
Note: If this is the first time your organization is logging onto the online banking
system, enter the password or passwords as assigned by your financial institution.
The system will require you to change the password(s) immediately after login.
Special password characteristics may be imposed by the financial institution to
provide a greater degree of security. If an invalid password is entered a message will
appear with further instructions.
4. Click the Log In button to log into the online banking system.
5. (Optional) If you have been set up to use tokens at login, you will be
prompted to enter a token authorization code after successfully entering
your login credentials.
6. (Optional) If you have been set up for multi-factor authentication, you will
be prompted to enter a security access code or answer some security
questions.
Your financial institution may have links to the following types of disclosure
statements on the login page: "Terms & Conditions", "Privacy", and "Security".
Click on a link to open a new browser window displaying the message text. Your
financial institution may also provide business related links on bottom portion of
the log-on screen.
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Commercial Customer Platform 5.1 User Guide
Multifactor Authentication
Login Challenges
This optional security feature provides a two-factor authentication to access the
online banking application. After valid login credentials are entered, if the system
does recognize the computer, sites enabled for multifactor authentication (MFA)
will challenge the user to provide additional security data in order to access their
account.
How a user is challenged depends on which MFA Security Option is enabled:
•
One-time Passcode (OTP) - you will be sent a security code to either your
email address or a phone destination that you choose. You must retrieve
the code and then enter that code on the challenge page in order to
continue the login process. Note: phone delivery of the one-time
passcode must be offered by your financial institution or the option will not
appear.
•
Security Questions with Second Request - if you are presented with a
challenge to answer one of your pre-established security questions, this
option allows you to request another set of your previously established
questions.
•
Security Questions with Reset - this option allow you to reset your security
questions during the login process. It also requires that you enter a
security access code in order to do so.
Once the security data has been validated, users will have the option to enroll
their computer for future use on the MFA system.
Note: One-time Passcode or Security Questions (MFA) is not available for login if
your business is using tokens at login.
In-Session Security Challenges
This optional security features provides another layer of security when initiating or
approving transfers or updating user information. If enabled, you will receive a
challenge to enter a one-time passcode (OTP) when initiating a wire transfer, an
ACH transaction, a Tax Payment, updating an email address or changing another
user's profile data. The OTP may be delivered via phone, text or email. The
delivery methods available are determined by your financial institution.
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Commercial Customer Platform
Enhanced Login Security Challenge
If your financial institution has implemented Multifactor Authentication, you may be
challenged to enter a One-time Passcode (OTP) if you log into the online banking
system from an unenrolled computer. This page is displayed after you have
successfully entered your required login credentials.
Note: If your financial institution has chosen to customize the name of this
page, it may display with a different page title.
The delivery options displayed will vary depending on which delivery methods
have been added for the user and what features your financial institution has
implemented. To receive the One-time Passcode, simply click on one of the "Send
to" links displayed. This will generate the sending of the One-time Passcode to
that destination.
If you select to receive the OTP by voice or text, be sure that you are close to your
phone. Once you retrieve the OTP, enter it into the entry field shown at the bottom
of this page and click the continue button.
Note: Pre-paid mobile phones will not support text message delivery of the
OTP.
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Commercial Customer Platform 5.1 User Guide
Once the user clicks the continue button, he or she is presented with a screen
that allows them to enroll the computer. Once this computer is enrolled, the user
does not receive this challenge again as long as he or she is logging in from the
same computer.
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Commercial Customer Platform
Note: If you are logging in from a public or shared computer, it is recommended
that you do not register this type of computer. You should only register
computers that you plan to use on a regular basis to access the online banking
system.
Token Challenge
This is an additional multifactor authentication product available which requires the
use of a hardware token when gaining access to the application, when funds are
being moved out of your accounts and/or when user information is updated. This
feature provides an additional level of security by requiring that a token security
code, obtained from the hardware token, be entered by the user when performing
an action enabled for a token challenge.
• Heightened Security: With tokens, you are presented with a challenge
and required to enter a token authorization code response when logging into
the application and/or initiating or approving wire transfers and/or ACH
transactions, depending on your customer setup.
• Multi-application Support: Your tokens are part of the global Symantec
VIP Network. This means that users are able to use a single hardware token
to access multiple applications within that network, if the application is
enabled.
Token authentication is available for Login, Wire Transfer, ACH, Tax Payments
and user profile changes, including email address updates. If your business is
enabled to receive a token challenge at login, all users are required to enter a
token authorization code in order to gain access to the application. Once a user
has an activated token, he/she will be challenged to enter a token authorization
code at every login.
The token Security Code is the code displayed on the front of the token. You
have 5 attempts to enter the correct code after which you will be locked out of the
system. The number of attempts remaining displays in the header bar above the
entry field. After entering the token authorization code, click the Complete Login
link to log into the online banking system.
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Commercial Customer Platform 5.1 User Guide
If you have a new token to activate, click the Activate New Token link to open the
Token Activation screen. You do not need to enter a token authorization code
before clicking this link. When activating a token during the login process, you
have 5 attempts to successfully activate the token. After 5 invalid attempts, you
will be locked out of the system.
If your business has token challenge enabled for Wire Transfer, ACH or Tax
Payments, users are required to enter a token authorization code in order to move
money via these methods. If Approval is not required, then the token
authorization code is required at the initiation process. If Approval is required,
the approval user must enter a token authorization code during the approval
review process.
The following actions are eligible for a token challenge:
•
•
•
•
•
•
•
•
•
•
•
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Require Tokens at Login
Initiate Freeform Wire
Initiate Wire Template
Initiate Wire Template Groups
Wire Transfer Approval
Initiate ACH Batch
Edit ACH Batch
Send ACH File
Initiate ACH Re-presented Check
ACH Batch Approval
Add Tax Payments
Commercial Customer Platform
• Approve Tax Payments
• Updating your Email Address
• Updating User Profile information
Navigation
The online banking system features a navigation menu at the top of the main
screen. The display of specific menu items is customized to the individual who
is signed on and will only list the options available to him or her. Two levels of
control determine which options are displayed:
1. The financial institution specifies the options available to the customer
and these options are made available to the company administrator
2. The company administrator specifies the options that are available to
the individual end users. Only those options are displayed to the end
user.
For example, if the financial institution did not offer the Wire Transfer service to
a customer, it would not be listed in the company administrator’s list of available
options. If the financial institution did offer Stop Payments, Stop Payments
would appear in the company administrator’s available options. However, if the
company administrator did not allow an end user to access that service, then it
would not appear on that end user’s list of options.
Each option on the main navigation bar represents an online banking service
category. Within that category are sub-options that further define the
functionality. To access a sub-option, rest the cursor on the menu bar and click
on one of the sub-options.
For instructions on how to set up users for the online banking services, refer to
the Manage Users topic.
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Commercial Customer Platform 5.1 User Guide
Access to Multiple Company Accounts
The online banking application has the ability to allow business customers to
utilize additional accounts that may be included in their relationship with the
financial institution. Financial institutions can grant access to multiple accounts
that a company would normally not be able to access under their primary
identification.
A Company drop-down, containing the "nickname" of a company, appears on
applicable screens within the online banking application where an account
number can be used or selected. Once the Company field is selected, the
accounts will update accordingly to only display the accounts for that company.
By default, the primary company, which is the company under which the online
banking account was originally opened, will appear first in the Company dropdown menu. Any additional companies, or secondary companies, will be listed
after in alphabetical order. Accounts associated with the select company can
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Commercial Customer Platform
be used with many of the features within the application. Please refer to that
feature's section in this guide for additional details and limitations.
When a selection is made from the Company drop-down menu, the system will
begin pulling account data for that company. While the system is working, the
following message may be displayed:
Administration
Administration
The Administration menu option provides access to high-level system functions.
The options available on this menu include:
Manage Users - This group only displays for company admin users and
administrative users. The following functions appear under this section:
•
Add/Change/Remove Users - Create and manage a "profile" for each
user. Along with a unique ID and secure password, define each of the
user's permissions for access to accounts and specific services. Or,
update / delete an existing user profile, or reset login credentials.
•
Approve User Updates - If the Dual Control feature is enabled,
approve or deny a new user.
•
View User Activity Reporting - View users' activity in the system by
querying account activity logs. Define criteria and select information
from available transaction logs for reporting purposes, or download the
information for use in another application
Manage Company - This group only displays for company admin users and
administrative users. The following functions appear under this section:
•
Set Account Name - Assign a more descriptive name to any of the
available accounts.
•
Change Timeout - Set the amount of time a user's computer may be
inactive before the online banking session is terminated.
•
Change Company Password - Only authorized administrators may
change the company password. Note: if your financial institution is
configured for a 3-point login, you will not see this option
•
Change Company PIN - Change the PIN setting in the online banking
system. (This feature is dependent on the financial institution's host
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Commercial Customer Platform 5.1 User Guide
system. If the PIN is changed on the host system, it will be necessary
to also update this field in the online banking system to match.)
My Profile - This group displays to all users. The settings available within the
My Profile section control only what that user sees.
•
Change My Password - Allows users to change their passwords.
•
Change Email Address (optional) - Users may update their contact
email address.
•
Manage Security Code Delivery (optional) - Allows users to manage
their multifactor authentication (MFA) delivery options and remove extra
security protection (cookies) from computers. Users can manage
delivery (Voice and/or Text) of the one-time security code to previously
established phone numbers.
•
Unenroll Computers (optional) -Allows users to remove cookies (for
stronger security) from their computer that were placed there so that
their computer would be recognized by the security system.
•
Maintain Security Questions (optional) - Allows users to update their
security questions and answers.
•
Set Main Page - Allows users to select the first page they want to see
upon logging into the online banking system.
•
Activate Token (optional) - Allows users to activate their token.
Set Account Name
The Set Account Name function allows the company administrator to rename
any of the available accounts. There is value to renaming an account if it makes
the account’s purpose more obvious to users. All references to the account
within the online banking system will use the descriptive name defined here and
all other users will also see this account name.
If multiple companies are supported, a Company drop down will appear on the
page. Each company selected will update the Account drop down list with
accounts that are associated with that company. Only accounts that you have
access to will be available. By default, the primary company will appear first in
the Company drop down menu. Any additional companies will be listed after
the primary in alphabetical order.
To add a descriptive name to an account:
1. Select the Administration option on the top menu and then select Set
Account Name from the Manage Company group. The Set Account
Name screen displays.
2. Select the Company whose account(s) you would like to name.
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Commercial Customer Platform
3. Select an account from the Account drop down list.
4. Enter a descriptive name in the Account Name field.
5. Click the Update button to save the new account name. To abandon your
changes and restore the fields to their previously saved values, click the
Reset button.
Change Timeout
Your online banking system will remain active for a specified amount of time
without any interaction with the browser. Once the time limit has expired, a
"timeout" occurs and the end user is required to log in again. The Change
Timeout function allows the company administrator to control the timeout
setting for all users.
To change the system timeout setting:
1. Display the Administration options on the top menu and select the
Change Timeout option in the Manage Company group. The Change
Timeout screen displays. Your current timeout setting appears at the
top of the page.
2. Choose a value from the drop down list.
3. Click the Update button to save the new timeout setting.
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Commercial Customer Platform 5.1 User Guide
Change Company Password
The company administrator can change the company password at any time.
The administrator must change this password when required by the financial
institution (including the first time the administrator logs into the online banking
system). Special password characteristics may be imposed by your financial
institution to provide a greater degree of security.
Note: If your financial institution has elected to use the Three-Part Login feature, you
will not have the Change Company Password option, nor will you see the company
password field on the login page.
Special password characteristics may be imposed by your financial institution to
provide a greater degree of security. These password requirements are
displayed on the page to assist you in creating your new password.
To change the company password:
1. Select Administration from the top menu bar and then under the Manage
Company heading, click on the Change Company Password option. The
Change Company Password screen displays.
2. Enter the existing company password in the Current Company Password
field.
3. Enter the new company password in the New Company Password field
and again in the Confirm New Password field.
Note: The system’s password checking is case sensitive; users must exactly replicate
the pattern of upper and lower case letters to gain entry to the system. Using mixed
case for your passwords can help to make them more secure.
4. To save the new password, click the Update Password button.
Change Company PIN
The Change Company PIN function lets you change the PIN setting in the
online banking system. (This is necessary if the PIN is changed on the Host
system. The PIN in the online banking system must be changed so that they
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Commercial Customer Platform
match.) This option is enabled only for the Company Administrator and only on
installations where the Host system requires a PIN. This menu option only
appears on the Administration menu when a PIN change is necessary.
A Company drop-down will be available on the page. Each company selection
allows you to update the Company PIN for that company. By default, the
primary company will appear in the Company drop-down menu. Changes made
to the PIN will apply to the displayed company only.
To change the Company PIN:
1. Click the Change Company PIN option on the Administration menu
under the Manage Company group. The Change Company PIN screen
displays.
2. Enter the existing company PIN in the Current Company PIN field.
3. Enter the new PIN in the New Company PIN field and again in the
Confirm New PIN field.
4. To put the new PIN into effect, click the Update button. If you think
you have made a mistake, click the Reset button to clear the fields
and start over.
Change My Password
Both the company administrator and end user can change their passwords at
any time and must change their password after a number of days specified by
the financial institution. (A user also must change the password if the
administrator resets it.)
Special password characteristics may be imposed by your financial institution to
provide a greater degree of security. These password requirements are
displayed on the page to assist you in creating your new password.
To change your password:
1. Select Administration from the menu and then under the My Profile
group click on the Change My Password option. The Change My
Password screen displays.
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Commercial Customer Platform 5.1 User Guide
2. Enter your existing password in the My Current Password field.
3. Enter your new password in the My New Password field and again in
the Confirm My New Password field.
Note: The system’s password checking is case-sensitive; users must exactly
replicate the pattern of upper and lower case letters to gain entry to the system.
Using mixed case for your passwords can help make them more secure.
4.
Click the Update Password button to save your new password.
Change Email Address
Both the company administrator and end user can change their email address at any
time if the financial institution has this feature enabled. If this feature is not enabled, the
Change Email Address option will not appear on the menu.
To change your email address:
1. Under the Administration menu and the My Profile group, select the
Change Email Address option. The Change Email Address screen
displays.
2. Enter the new email address in the New Email Address field and again in
the Confirm Email Address field.
3. Click Update to put the new email into effect. [If your financial institution has
enabled a security challenge for this activity, you will be prompted to enter a
token security code or a one-time passcode.]
4. Use the Reset button to clear the fields if you entered incorrect information.
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Commercial Customer Platform
Set Main Page
The Set Main Page function lets you customize the Main landing page
displayed when you log in. This preference only affects your own login (i.e., the
system will be set a certain way for you but this will not affect any other users).
Typically, you would choose the screen you use most often.
To specify a new main page:
1. Display the Administration options on the top menu bar and then select
Set Main Page under the My Profile group. The Set Main Page screen
displays.
2. Select one of the screens from the drop down list. The list contains
the menu options for the services to which you have access.
3. Click Update to save your main landing page.
Manage One-time Passcode Delivery - [customized product name]
If your company is enabled for multifactor authentication, you will have access to the
Manage Security Code Delivery page under the Administration, My Profile section.
This page contains the MFA delivery destinations established for this user by either the
company administrator or the financial institution. The page displays which methods are
available for receiving a one-time passcode (OTP).
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Commercial Customer Platform 5.1 User Guide
MFA phone numbers and email addresses are added by the company administrator (or
the financial institution for the company administrator) on a separate screen. When a
phone number is added or modified, it displays on this page with the delivery option set
to Voice only. The phone owner may choose to add Text as an additional delivery
option by checking the Text checkbox. Once checked, an "Activate Text" hyperlink
displays to the right of the checkbox in the Text Action / Status column. After the phone
number is activated for text, this link is replaced with the static text, "Text Activated".
The Text Activated verbiage indicates that the activation process has been completed
and this phone number is capable of receiving a text message containing the one-time
passcode. You may repeat this process for any of the phone numbers that support text.
Note: Phone numbers containing an extension may not be enabled for Text delivery.
The Text checkbox will appear grayed and disabled and the Text Action / Status
column displays N/A.
If you decide that you no longer want the phone number enabled to receive a text
message from this source, uncheck the Text checkbox for that phone number and then
click Update, or you can text STOP to 44833 from your mobile phone. Contact your
company administrator or financial institution if you would like the phone number
removed.
Terms and Conditions: Clicking this link displays your financial institution's terms and
conditions regarding the use and possible carrier charges for text messaging.
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Commercial Customer Platform
The Activate Text link initiates the required process of activating the phone to receive a
text message from your online banking system. Note: you must have the phone in your
possession to perform the text activation. Clicking this link sends an activation code to
your phone which you will enter into the Activation Code field on the screen below.
Note: Once all desired phone numbers have been activated or deactivated for text,
you must click the Update button at the bottom of the page to complete the text
activation process and save any other changes to this page.
Maintain Security Questions
This feature allows a user to update their security questions.
1. From the Administration menu, select the Maintain Security Questions
option under the My Profile group.
2. Select five unique questions from the five drop-down question lists.
3. Enter answers to each question following the guidelines on the page. All five
questions must be selected and answered. No answers may be identical.
4. Click the Submit button to save your selections.
You can also click the reset button to clear the fields if you entered any incorrect
information.
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Commercial Customer Platform 5.1 User Guide
Manage Users
Add/Change/Remove Users
The Add/Change/Remove Users option is used to view, add, modify and
delete end users and determine the services and accounts they can access.
This function, available to administrative users, lets you create a "profile" for
each user. This profile includes a unique ID and secure password, as well as
permission settings that allow the user to access certain accounts and use
specific services.
The controls are arranged in three logical groups: User Information (basic
identifying data), Account List (account access and service restrictions) and
Features/Services. If Multifactor Authentication is enabled for a customer, a
Security Options section displays between the User Information and the
Account List.
Only the company administrator created by the financial institution has the
ability to modify other users who are designated as Administrators. An
administrative user created by the company administrator can view, add, delete,
and modify non-administrative users.
Note: Changes to a user's profile do not affect sessions that are already underway.
Users with active sessions must log out and back on to see modifications made in
User Information and Features/Services.
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Commercial Customer Platform
User Information
The User Information section has controls to set the top-level user
identification settings, for example, user name, user ID, passwords and email
address.
Security Options
If your financial institution is enabled for Multifactor Authentication (OTP or
Security Questions), you will also see the MFA One-time Passcode Delivery
Options section on this page. The section enables a company administrator or
an administrative user to add/modify/delete the OTP email addresses and
phone numbers for this user. This section may contain email address fields,
phone number fields, or both, depending on the services your financial
institution has implemented.
These email addresses and phone numbers will be used as delivery channels
for the one-time passcode. A one-time passcode may be required when
logging in or when perform certain activities, depending on your setup. When
adding or modifying a phone number for a user, the output method defaults to
Voice only. If a user would like to receive the one-time passcode in a text
message, then text messaging must be enabled by that user - the person
whose phone number it is. If the user does enable his/her phone number for
Text, it will display on this page with a check mark, but will be grayed and
disabled.
A phone extension may also be added for a phone number. If a phone
extension is entered, the Ext. Dial Delay must be selected. This indicates how
much of a delay there should be between the phone number being dialed and
the extension being dialed. Phone numbers containing extensions may not be
enabled for Text delivery by the end user.
Note: If the OTP email and phone number fields are left blank and email delivery is
one of the available options, then the user's contact email address will be used at the
time the user is challenged and then added as an OTP email address.
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Commercial Customer Platform 5.1 User Guide
22
Control
Description
Current User
The drop down list lets you choose a user
definition to modify. The field displays the
ID of the currently selected user when the
drop-down is not being used.
New
This button lets you create a new user
profile.
User Name
This is the user’s name. This information is
for identification and definition purposes
only and is not accessible outside of this
screen.
Commercial Customer Platform
User ID
This is the ID that the user will use to log
into the system.
Email
This is the user’s email address. Systemgenerated email messages intended for
this user will be directed to this address.
User
Password/Confirm
This is the password that the user will use
when logging in. The system cross checks
the Password and Confirm fields to help
eliminate typographical errors.
Reset All MFA
Credentials
Displays if MFA (OTP or Security
Questions) is enabled; this will reset and
invalidate the selected user’s password,
security questions and computer/cookies.
You must provide new password
information prior to clicking this option.
Unenroll Computers
Displays if MFA (OTP or Security
Questions) is enabled; this invalidates the
selected user’s computer/cookies without
resetting their password.
Reset Security
Questions
Displays if MFA is enabled with the
Security Questions option; this will reset
the selected user's existing security
questions.
MFA One-time
Passcode Delivery
Options
This section displays if the customer is
enabled for MFA One-time Passcode.
Please refer to the descriptive paragraph
at the beginning of this section.
Add
Clicking this button adds the newly entered
user to this company.
Update
Clicking this button updates an existing
user's information.
Delete
Clicking this button deletes this user.
Reset
Clicking this button resets any changes
that were made to the fields on the
Add/Change/Remove Users Page.
List
Clicking this button displays a listing of all
users of this company. Included in this list
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Commercial Customer Platform 5.1 User Guide
is the user information along with the
service options permitted to this user.
Note: If Tokens are enabled for this
customer and the user has activated a
token, it is displayed on this list under the
User Information.
Account List
The Account List grid is comprised of columns of check boxes and one row for
each account defined for your company. Each column represents one type of
banking service and each row represents one account; a checked box in a
row/column position indicates that the user has permission to use that column’s
service on that row’s account.
The available services include:
•
•
•
•
•
•
•
•
•
Balance Reporting (Acct Rptg)
Account Transfer Credit (Acct Transfr Cr)
Account Transfer Debit (Acct Transfr Dr)
Account Transfer Non-Sufficient Funds (NSF Acct Transfr)
Wire Transfer (Wire Transfr)
Stop Payment (Stop Pmt)
ACH
Tax Payment (Fed Tax Pmt)
Reconciliation Issues and Exceptions (Recon Excpts and Recon
Issues)
• Account Statement (Account Stmt)
• All (All)
• Bill Pay (Bill Pay)
Some services cannot be used with some account types. The system
automatically disables the checkboxes in such cases, so you cannot
inadvertently assign an invalid capability.
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Commercial Customer Platform
Note: If the NSF Account Transfer option is in effect for the selected debit account,
no balance checking will be performed and the transfer will be submitted for
processing.
For your convenience, there are Select All checkboxes for each row and
column. Check a column Select All box to give the user the capability to use a
particular service on all applicable accounts, or click a row All check box to give
the user the capability to use every applicable service on a particular account.
If you have access to more than one company, you will see each company
listed under the Account List section. By default, the primary company is listed
first with all of the available accounts. Any secondary companies will be listed
below the primary but in a collapsed state. To view secondary company
accounts and permissions, click the Plus "+" next to the company to expand
the list of accounts. To collapse, click the Minus "-" next to the company.
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Commercial Customer Platform 5.1 User Guide
Features/Services (not all services available are included in screen shot
displayed)
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Commercial Customer Platform
The Features and Services blocks give fine control over what system services
the user may access and allows you to set dollar-value limits for some services.
Note: All limit definitions represent maximum allowable values. That is, the limit value
represents the largest amount that is acceptable, and an exception condition occurs
only if the user or company exceeds the limit value.
For example, if a user has a $50.00 per-transaction limit on wire transfers, that user
can initiate a $50.00 transfer without needing approval but if he or she tries to initiate
a wire for $50.01, the system will flag it as pending and require an approval. (For the
sake of simplicity, this example assumes the absence of other approval constraints.)
Control
Description
Administration
User Administrator
Grants access to this screen (i.e., the
capability to create, update and delete user
definitions) and other Administration
subtopics (Activity Reporting, Balance
Alerts, Account Maintenance, Change
Company/User Passwords and Change
Timeout).
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Commercial Customer Platform 5.1 User Guide
User Profile Approver
Approves or denies any new user profile,
changed user profile, deleted user profile
or reset login credentials
Suppress Email
Approval Request
Prevents the system from sending email
approval requests to the user profile
approver. Without this setting, a User
Profile Approver receives email every time
the Company Administrator and user
administrators add a new user profile,
update an existing user profile, delete an
existing user profile or reset login
credentials.
Account Reporting
Allow Account
Reporting
Grants access to the Account Reporting
service.
Account Statements
Allow Account
Statements
Grants access to the Statement Manager
service.
Account Transfer
Allow Account Transfer
Grants access to the Account Transfer
service.
Wire Transfer
28
Allow Wire Transfer
Grants general access to the Wire Transfer
service. The other checkboxes control
access to the specific Wire Transfer
functions.
Initiate Template
Grants permission to submit Templatebased Wire Transfers.
Initiate Group
Grants permission to submit Group-based
Wire Transfers.
Initiate Freeform
Grants permission to submit freeform wire
transfers (i.e., wire transfers that do not
use predefined templates).
Approval
Designates the user as a Wire Transfer
Administrator, with the capability to
approve or deny wire transfer submittals.
Commercial Customer Platform
Wire Transfer Administrators receive
system-generated email messages
whenever a user submits a new wire
transfer that requires approval.
Template Maintenance
Grants permission to create, modify and
delete wire template definitions
Template Group
Maintenance
Grants permission to create, modify and
delete wire group definitions.
Investigation Request
Grants permission to initiate a wire transfer
investigation.
Incoming Wires
Grants permission to access incoming
transfer details. (Wire Interface Dependent)
Suppress Incoming
Email Notification
Prevents the system from sending email to
the user regarding incoming wires. (Wire
Interface Dependent)
Suppress Email
Approval Request
Prevents the system from sending email
approval requests to the user. (Without this
setting, Wire Administrators receive email
every time a user initiates a wire transfer
that requires approval.)
Foreign Exchange
Rates
Grants permission to view the foreign
currency exchange rates table.
Daily Limit
Specifies the daily cumulative maximum
amount of funds the user can transfer.
Transaction Limit
Specifies the maximum amount of funds
the user can transfer in any single
transaction.
Daily Approval Limit
Specifies the daily cumulative maximum
amount of funds the user can approve for a
transfer.
Transaction Approval
Limit
Specifies the maximum amount of funds
the user can approve in any single
transaction.
Stop Payments
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Commercial Customer Platform 5.1 User Guide
Allow Stop Payments
Grants access to the Stop Payments
service.
ACH
30
Allow ACH
Grants general access to the ACH service.
The other checkboxes control access to
the specific ACH functions.
Participant
Maintenance
Grants permission to add, modify and
delete ACH participant definitions.
ACH Approval
Designates the user as an ACH
Administrator, with the capability to
approve or deny ACH submittals. ACH
Administrators receive system-generated
email messages whenever a user submits
a new ACH batch that requires approval.
Batch Template
Maintenance
Grants permission to add, modify and
delete ACH batch template definitions.
Batch Template
Maintenance - ACH
Prefunding
Grants permission to add, modify and
delete ACH batch template definitions.
ACH Prefunding Batch Templates will not
include selection of offset account as
prefunding templates are required to be
unbalanced.
Reversal
Grants permission to cancel out a
previously submitted ACH transaction.
(Note that this does not happen directly –
the system sends an email request to the
financial institution.)
Initiate Batch
Grants permission to submit ACH batches.
Assign Participant to
Batch
Grants permission to define which
participants are included in ACH batches.
Suppress Email
Approval Request
Prevents the system from sending email
approval requests to the user. (Without this
setting, ACH Administrators receive email
every time a user initiates an ACH batch
that requires approval.)
Send ACH File
Grants permission to upload and send
ACH files to the financial institution.
Commercial Customer Platform
Import ACH Data
Grants permission to import ACH files and
add their batch and participant definitions
to the database.
Import ACH file - ACH
Prefunding
Grants permission to import ACH files and
add their batch and participant definitions
to the database. When on ACH Prefunding
you must import an unbalanced file when
importing Standard ACH format. If the file
is balanced, the system will remove the
offsetting account.
Daily Credit Limit
Specifies the maximum daily cumulative
amount the user can initiate for ACH Credit
origination files.
Daily Debit Limit
Specifies the maximum daily cumulative
amount the user can initiate for ACH Debit
origination files.
Batch Credit Limit
Specifies the maximum Credit amount of
funds the user can transfer in any single
ACH Batch.
Batch Debit Limit
Specifies the maximum Debit amount of
funds the user can transfer in any single
ACH Batch.
Daily Approval Credit
Limit
Specifies the maximum daily cumulative
amount the user can approval of ACH
Credit origination files.
Daily Approval Debit
Limit
Specifies the maximum daily cumulative
amount the user can approval of ACH
Debit origination files.
Batch Approval Credit
Limit
Specifies the maximum Credit amount of
funds the user can approve in any single
ACH Batch.
Batch Approval Debit
Limit
Specifies the maximum Debit amount of
funds the user can approve in any single
ACH Batch.
Federal Tax Payments
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Commercial Customer Platform 5.1 User Guide
Allow Federal Tax
Payments
Grants general access to the Federal Tax
Payments service. The other checkboxes
control access to the specific Federal Tax
Payments functions.
Federal Tax Payments
Grants permission to submit tax payments.
Federal Tax Payments
Approval
Designates the user as a Federal Tax
Payments Administrator, with the capability
to approve or deny tax payment submittals.
Tax Payments Administrators receive
system-generated email messages
whenever a user submits a new tax
payment that requires approval.
Suppress Email
Approval Request
Prevents the system from sending email
approval requests to the user. (Without this
setting, Administrators receive email every
time a user initiates an EFTPS batch that
requires approval.)
Daily Limit
Specifies the daily cumulative maximum
amount of funds the user can transfer.
Transaction Limit
Specifies the maximum amount of funds
the user can transfer in any single
transaction.
Daily Approval Limit
Specifies the daily cumulative maximum
amount of funds the user can approve for a
transfer.
Transaction Approval
Limit
Specifies the maximum amount of funds
the user can approve in any single
transaction.
Forms
Note: A user must have Account Reporting capability for an account in
order to use the Forms service for that account.
Allow Forms
32
Grants general access to the Online
Services service. The other checkboxes
control access to the specific Online
Services functions.
Commercial Customer Platform
Photocopy Request
Grants permission to request a photocopy
(or an electronic image) of a paid check or
earlier account statement.
Check Reorder
Grants permission to submit online check
orders.
Account Research
Grants permission to initiate requests to
the financial institution to investigate or
clarify specific account activity.
Cash/Change Order
Form
Grants permission to request cash
shipments from the financial institution.
Bill Pay Research
Grants permission to initiate requests to
the financial institution to investigate or
clarify specific Bill Pay activity.
Reconciliation Services
Allow Reconciliation
Services
Grants general access to the
Reconciliation service. The other
checkboxes control access to the specific
Reconciliation functions. Reconciliation
Services supports checking accounts only.
Issues Register Input
Grants permission to reconcile the issued
items and allows the user to view, filter,
and export the issue items in register.
Exceptions Processing
Grants permission to submit exception
decisions for processing.
Suppress Exception
Notification
Prevents the system from sending email
every time the FI uploads exceptions.
Suppress Issues
Notification
Prevents the system from sending email
every time the FI downloads an Issues
Register for processing.
Issues Register Input
Grants permission to manually input issues
into a register for processing.
File Upload (Upload
Issues File)
Grants permission to upload Issues
Register file to the FI.
Other Services
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Commercial Customer Platform 5.1 User Guide
Bill Pay
Grants permission to use the Bill Pay
system.
Adding a New User
From the Administration menu, select the Add/Change/Remove Users menu option
under the Manage Users menu group. The Add/Change/Remove Users screen
displays with fields pre-filled for the user displayed in the Current User field.
1.
To add a new user, click the New button, which clears the user
related fields and displays an Add button.
2.
Enter the User Name and a User ID. The new user will use the
User ID when he or she logs in.
3.
Enter the new user’s password in the User Password field. This
user will also enter this when he or she logs in. Note: passwords must
conform to your financial institution's password requirements.
4.
Enter the password a second time in the Confirm Password field.
This provides verification of the password.
5.
Enter the new user’s contact email address.
6.
If your company is enabled for Enhanced Login Security (MFA),
you will also enter the user's MFA delivery destinations (phone numbers
or email addresses) which will be used to deliver the Security Access
Code. This section may contain email address fields, phone number
fields, or both, depending on the services your financial institution has
implemented.
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Commercial Customer Platform
7.
In the Account List section, click the check boxes on the grid to
grant the user permission to use specific system services with specific
accounts. Use the All check box for a row to give the user full
permissions for an account, or use the Select All check box for a column
to give the user permission to use a given service on all applicable
accounts. To access secondary company accounts and permissions,
click the Plus "+" next to the company to expand the list of accounts. To
collapse, click the Minus "-" next to the company. Note: some check
boxes may be disabled if your company does not have access to this
service.
8.
Set the Features/Services check boxes to grant the user
appropriate permissions for system services.
9.
When you are finished adding the new user, click the Add button
at the top or bottom of the page.
Note: If Dual Control is enabled, the new user profile will be in a pending status
waiting to be approved or denied.
Changing User Information
From the Administration menu, select the Add/Change/Remove Users menu option.
The Add/Change/Remove Users screen displays with fields pre-filled for the user
displayed in the Current User field.
1. In the Current User field, select the User ID from the drop-down list. The
selected user’s information displays.
2. Make any necessary changes to the user information, security settings,
account or service permissions. You may click the Reset button at any time
to restore all fields to their previously stored values.
3. When you are finished, click the Update button at the top or bottom of the
page to save your changes.
Note: If Dual Control is enabled, the updated user profile will be in a pending status
waiting to be approved or denied.
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Commercial Customer Platform 5.1 User Guide
Deleting a User
From the Administration menu, select the Add/Change/Remove Users menu option.
The Add/Change/Remove Users screen displays with fields pre-filled for the user
displayed in the Current User field.
1. In the Current User field, select the User ID you want to delete from the
drop-down list. The selected user’s information displays.
2. Verify that the correct user is selected.
3. Click the Delete button at the top or bottom of the page. A dialog box
appears prompting for confirmation.
4. Click the OK button to confirm the deletion, or click the Cancel button to
leave the record unchanged.
Note: If Dual Control is enabled, the updated user profile will be in a pending status
waiting to be approved or denied.
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Commercial Customer Platform
Approve User Updates
The Approve User Updates option allows approvers to approve or deny new user
profiles, updated user profiles, deleted user profiles, or profiles that have their login
credentials reset. A Deny Message must be entered when a user profile is denied.
From the Administration menu, select Approve User Updates from the Manage
Users group. The Approve User Updates screen displays.
Note: If Dual Control feature is disabled for the company, this option will not be on
the Administration drop down menu.
Submitters will have display only access of all user profile changes they submitted.
Approvers will have display only access of all changes submitted for their own user
profiles.
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Commercial Customer Platform 5.1 User Guide
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Commercial Customer Platform
Control
Description
New User Profiles
This section contains all new user profiles
waiting to be approved or denied
Updated User
Profiles
This section contains all updated user profiles
waiting to be approved or denied.
Deleted User Profiles
This section contains all deleted user
profiles waiting to be approved or denied.
Reset Login
Credentials
This section contains all profiles to have
their MFA credentials reset waiting to be
approved or denied.
Denied User Profiles
This section contains all previously denied
user profiles. The information is retained for
a maximum of 10 days only.
Approved User
Profiles
This section contains all previously
approved user profiles. The information is
retained for a maximum of 10 days only.
User Profile Details
(magnifying glass)
This section contains the details of the new
user profile or the changes to an existing
user profile. The information displayed on
this screen will vary if you are presented
with a new user add or an update to an
existing user.
Clicking on the Details magnifying glass icon displays the User Profile Details screen.
If Enhanced Login Security is enabled, then this page also contains an MFA Security
Code Delivery Options section indicating any changes to the MFA delivery options. A
red circle with a line through it indicates that the user does not have the service or it has
been removed. A green check mark indicates that the user has been permitted to the
service.
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Commercial Customer Platform 5.1 User Guide
New User Profile:
40
Commercial Customer Platform
Updated User Profile:
Reset Security Questions
The Reset Security Questions option allows you to reset a user's existing security
questions. This will remove the user's current security questions/answers, requiring the
user to establish new security questions/answers.
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Commercial Customer Platform 5.1 User Guide
1. From the Administration menu, select the Add/Change/Remove Users option
under the Manage Users group.
2. Select the user from the user name drop-down.
3. Click the Reset Security Questions button (do not click update).
The user is presented with the Create Security Question screen upon the next login.
This option is only available if the financial institution has enabled Multifactor
Authentication with Security Questions.
Reset All MFA Credentials
This option is located on the Add/Change/Remove Users screen. The Reset All MFA
Credentials option allows you to remove security questions, unenroll computers and
invalidate the user's existing password at the same time. You must provide new
password information prior to clicking this option.
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Commercial Customer Platform
1. From the Administration menu, select Add/Change/Remove Users from
the Manage Users group. .
2. Select a Current User from the drop-down list.
3. Enter new password information in both fields.
4. Click the Reset All MFA Credentials button in the Security Options
section (do not click update).
Note: If Dual Control is enabled, the reset login will be in a pending status waiting to be
approved or denied.
The Reset All MFA Credentials option is only available if Multifactor Authentication
(Enhanced Login Security) has been enabled. Depending on which option is enabled by
your financial institution, one of two screens will be presented on the user's next login:
•
One-time Passcode Option - The user is challenged at the next login to provide
a one-time passcode or OTP and/or add extra security (enroll their computer).
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Commercial Customer Platform 5.1 User Guide
Once the user provides the one-time passcode, he or she is presented with the
request to change his or her password.
•
Security Questions Option – The user is challenged with the Security
Questions setup screen. Once the user sets up the new Security Questions,
he or she is presented with the request to change his or her password.
Unlocking a User
If a user enters three invalid logins, the system will lock out that user, preventing him or
her from logging in. If this should happen, the Company Administrator will need to use
the Unlock User button on the Add/Change/Remove Users page. Clicking this button
resets the invalid login count back to zero and thereby allows the user to log in.
Unlocking the user does not change any of the login credentials, so you may need to
reset the password as well.
Note: If Multifactor Authentication (Enhanced Login Security) is enabled, an invalid
entry of a one-time pass code will also count toward the invalid login count.
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Commercial Customer Platform
User Activity Reports
User Activity Reporting
The User Activity Reporting service lets you select information from available
transaction logs to download for purposes of importing the information into
another application or to display the information on the screen. Common query
selections can be saved for later reuse.
IMPORTANT NOTE: If the number of returned records for a query exceeds 200, the
first 200 records will be displayed followed by a message recommending that you
download the file to your computer. You must download the file in order to access all
results returned.
To display the User Activity Reporting screen:
From the Administration menu, select the User Activity Reporting
option under the Manage Users group. The User Activity Reporting
screen displays.
This screen has four distinct sections: Saved Reports, Date Selection, Query
Selection and Presentation Selection.
•
The Saved Reports section displays, in a drop-down list, report queries
that have been previously saved for future use. Select the report from
the drop-down and click the Submit button.
•
To create a new search query, select a defined date from the Search by
Log File drop-down or Search by Range of Dates by entering a from and
to date.
•
Under Query Selection, select All Activities to see the activities for the
specified date range, or define the query by selecting the transaction
type and possible values to search.
•
Once you have defined the search query, in the Presentation Selection
section, you may assign a name and save the search query for future
use or choose to display the query results on a new page. Click the
Submit button when you are finished defining your query.
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Commercial Customer Platform 5.1 User Guide
Saved Reports
You can greatly streamline the process of producing frequently used queries by
defining a report query and saving it to use again, later. The saved information
includes a report title and the values specified in the Date, Query, and
Presentation Selection sections.
All saved reports appear in the Saved Reports drop-down list in the top lefthand area of the screen.
To retrieve a saved report:
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Commercial Customer Platform
1. Choose the report from the Saved Reports drop-down list. All of the fields
on the screen are filled out automatically.
2. Look over all of the pre-filled fields and make any necessary modifications.
Be sure to check the Date fields.
3. Click the Submit button. If you are creating a data file, you are prompted to
select the directory where the file will be saved.
Date Selection
The date range for a query can be based either on a particular transaction log
(one week) or on a range of dates that spans one or more log files. Usually, the
current transaction log and the logs from the prior four weeks are available for
query.
The current week log refers to transactions occurring from midnight on the most
recent Monday to 11:59 pm the following Sunday. Example, a "current week"
log would run from midnight on 10 Sep 2012 through 11:59 pm on 16 Sep 2012.
Date information is displayed in the Date Selection area. There are two ways to
set the date range for a report; you can either choose a single existing log for
the data source or you can specify a range of dates and the system will pull
data from all appropriate log files.
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Commercial Customer Platform 5.1 User Guide
Search by Log File:
Choose a log file from the Search Prior Week’s Log drop-down list.
Search by Range of Dates:
Enter a start date (or select a date from the calendar pop-up) in the From
field and an end date in the To field. These dates can span multiple log
file periods.
Note: You may specify only dates that fall within the range shown as Available Files
(displayed at the bottom of the Date Selection - Search by Log File area).
Query Selection
You can specify that all activities should be reported or you can narrow the
scope of the report using two levels of query: use the First Query fields to
refine the search; use the Second Query fields for more complex reports.
Within each level of query, there are four selection criteria: transaction type,
field to search, field value, and a logical operator to tie the fields together. All
query-related fields are displayed in the Query Selection area in the middle of
the screen.
IMPORTANT NOTE: If the number of returned records for a query exceeds 200, the
first 200 records will be displayed followed by a message recommending that you
download the file to your PC. You must download the file in order to access all results
returned.
Report All Activity
Check the All Activities box. No further query setup is required.
Setting Up a One-Field Query
To set up a one-field query, you need to fill in some of the input fields in the First
Query section.
1. Choose a transaction type from the Transaction Type drop down list. All
fields associated with that transaction will appear in the Field to Search
drop down lists. If you choose All Transactions here, the Field to Search
drop down lists are populated with every defined field.
2. Choose a field name from the upper Field to Search drop-down list.
3. Enter a value in the upper Value field.
Setting Up a Two-Field Query
To set up a two-field query, you need to fill in some additional input fields in the First
Query section.
1. Follow the instructions above for a One-Field query.
2. Choose a field name from the lower Field to Search drop-down list.
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Commercial Customer Platform
3. Enter a value in the lower Value field.
4. Choose a logical operator And or Or from the drop-down list. And returns
records only if they have matching values for both fields; Or returns records
that match either one (or both) of the fields.
Setting Up a Complex Query
To set up a complex query, first follow the instructions above for setting up a
One- or Two-Field query in the First Query section, and then use the same
guidelines to set up another query in the Second Query section.
Presentation Selection
The information in Presentation Selection section identifies the form and format
of the report.
•
The TITLE field is required only if you are going to save this report for
later reuse.
•
Reports can be displayed directly in the browser window or saved as
disk files for later use. Click the Screen Display radio button if the
report is to be displayed in the browser window, or click Download Data
File if the report is to be created as a file. Because of browser
limitations, we recommend that you use the Download Data File option
for any report of more than 200 records.
•
If the report is to be created as a file, choose either the pipe symbol (|)
or the semi-colon (;) from the lower drop-down list to be the report’s
"field delimiter" character. Your choice should be made based on the
compatibility requirements of the program that you will use later to read
the report file.
Generating an Activity Report
Running a saved report
1. Choose the report from the Saved Reports list. All of the fields on the
screen are filled out automatically.
2. Look over all of the pre-filled fields and make any necessary modifications.
Be sure to check the Date fields.
3. Click the Submit button. If you are creating a data file, you are prompted to
select the directory where the file will be saved.
Create a new report
1. In the Date Selection section, select a prior week’s log from the Search
Prior Week’s Log drop-down list or specify a range of dates.
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Commercial Customer Platform 5.1 User Guide
2. In the Query Selection section, click the All Activities check box to report
activity on all log records, or perform a more specific search. For details, see
the instructions outlined earlier in Query Selection.
3. In the Presentation Selection section, enter a report title if you intend to
save your report selections for future use. If your report is to be created as a
disk file, make sure you choose the correct delimiter. For details, see the
instructions outlined earlier in Presentation Selection.
4. Click the Submit button. If you are creating a data file, you are prompted to
select the directory where the file will be saved.
5. Click the Main button to re-display the main menu.
Save a Report
1. Display the Activity Reporting screen.
2. Complete the Date, Query, and Presentation sections.
3. In the Presentation Selection section, make sure to enter a report title and
select the Save option from the drop-down list below the Title field.
4. Click the Submit button to create the report and save its specifications for
future use.
5. Click the Main button to re-display the main menu.
Tip: You can use an existing report as the basis for another similar one. Click the
report from the saved reports list, make any desired modifications, and then enter a
new report title before you click Submit.
Delete a Saved Report
1. Display the Activity Reporting screen.
2. In the Saved Reports section, select the report title.
3. Click the Delete button. A dialog box appears to confirm the deletion; click
OK to delete the report or Cancel to leave it unchanged.
Account Activities & Reporting
Account Reporting
Account Reporting (Balance Reporting)
The Account Reporting function gives an overview of all account information
and also provides the means to see details, to filter by account or activity type,
and to view your account statements online.
•
Account Summary - Provides complete information at a glance
and also provides access to Account Details (record of activity) for each
account, loan and investment.
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Commercial Customer Platform
•
Create Reports - Lets you create report definitions, specifying
which accounts and what types of activity are to be displayed.
•
Run Selected Report - Displays a filtered version of the Account
Summary page, based on the report definition.
•
Account Statements - Allows you to view your account statement
online without having to wait for a paper copy in the mail. The service lets
you select the account and period (date range) for the statements you
would like to view.
•
Balance Alerts - Specify alert conditions by defining unique criteria
for individual accounts; then set the system to send an email message
when an account reaches a specified monetary level.
Note: If your financial institution supports this feature, all balances displayed
throughout cash management will have an asterisk (‘*’) appended to indicate
when a real-time balance is not available. This asterisk will be displayed on a
per-account basis, indicating status for individual accounts (in case real-time
balances are available for certain accounts but not all)
Account Summary
Account Summary
The Account Summary screen gives an overview of company accounts. It
displays all of the accounts to which you have access (as determined by the
settings in Administration > Manage Users).
To display the Account Summary screen:
Rest the cursor on the Account Activities & Reporting option and then
click the View Account Summary option under the Account Reporting
group. The Account Summary screen displays with descriptive account
and balance information.
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Commercial Customer Platform 5.1 User Guide
•
Select a Company from the drop-down menu to display that
company's associated accounts.
•
The on-screen disclosure statements indicate the date and time
the data displayed was updated.
•
The Deposit Accounts table contains all deposit accounts, the
Other Accounts table contains all certificates and other
investments, and the Loan Accounts table contains all loans
and lines of credit accounts. (Any table will be omitted from the
display if it is empty.) Please note the system does not total the
Available Balance column. This is intentional. Totaling this
column can provide an overinflated amount if one account's
balance affects another account’s available balance. For
example, this could happen if there was a sweep relationship
between accounts in the table.
•
The page will open with all tables expanded. Each table may be
expanded or collapsed by clicking the '+' or '-' sign to the left of
the table heading.
•
The columns may be sorted by clicking on the up or down arrow
in the column header.
•
Clicking the magnifying glass icon under the More column
displays a pop-up window with additional details for that account.
If you have the online statements feature, an additional column
labeled "Stmt" will display at the far right of the table.
•
The Print and Export icons at the top right of the page allow you
to print the page or export the information to a file where it can be
imported into another application.
Note: You can customize this screen display by creating a report and setting it
as your default on the Create Reports screen.
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Commercial Customer Platform
Previously requested account history will be listed on the Account Summary
screen under Retrieved Account Details. Each account query will have a
status of Finished, Retrieving or More. Click on the account hyperlink to view
the account details.
Finished: The system has completed the history request
Retrieving: The system is still retrieving the requested history
More: There are additional transactions to be retrieved within the specified
date range that was previously requested.
Account Summary Screen Controls
The tables can be sorted by the data in any column. Click the arrows in the
column headers to sort the table (up arrows give an ascending sort; down
arrows give a descending sort). The column the table is sorted by will have a
shaded header cell.
For the Deposit Accounts and Other Accounts sections, the first column shows
the company-defined Description (entered in Administration > Set Account
Name) and the financial institution-defined Type. Click the link in the
Description field to display the Account Details screen for that account or
investment item.
The Company drop-down menu controls the display of accounts associated
with the selected company.
If your financial institution’s host system supports additional account data, you
will see a column labeled More with a magnifying glass icon for each account
and investment record. Click the magnifying glass to see a record of float data
and other CTD (Cycle To Date) summary data for the account or investment.
The information appears in its own browser window and can be printed.
If your financial institution’s host system supports Statement data, you will see a
column labeled Stmt with a document icon for each account. Click the icon to
see a statement with Cycle-to-Date debits and credits for the account or
investment. The statement appears in its own browser window and can be
printed. On the first day after a statement cycle you will be prompted to enter
the date range. Enter the date range for the previous statement cycle.
Click the Print button to print a hardcopy of this screen; a standard Windows
dialog box lets you specify a printer. Click Export to create a text file in a
comma-delimited format, suitable for import into spreadsheets and other
financial programs; a standard Windows dialog box lets you specify the
filename and directory location.
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Commercial Customer Platform 5.1 User Guide
Account Details
The Account Details screen provides detailed transaction information for the
selected account.
To navigate to the Account Details screen:
Select View Account Summary from the Account Reporting group under
Account Activities & Reporting. The Account Summary screen appears
Click one of the Account or Investment links in the Description column to
display its details.
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Commercial Customer Platform
Selecting the Company drop-down will populate the Account Selection dropdown with accounts tied to the selected company. Once you select your
account, you may accept the default date range displayed, enter a specified
date range and select Submit, or choose the Retrieve Yesterday's
Transactions or Retrieve Today's Transactions buttons to retrieve account
details for those days specifically.
Note: The Advanced Search link displays options to further identify search
criteria. This functionality is described in the Account Details Advanced
Search help section.
The Account Details table shows the basic account information plus the list of
transactions (if any) that fit your date and filter settings. Note that this table
displays both the Current Balance and the Available Balance for the account,
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Commercial Customer Platform 5.1 User Guide
based on results from your financial institution’s host system. The on-screen
disclosure statement indicates the date and time the data displayed was
updated.
The table display can vary depending on the type of account and the type of
transaction being displayed. Each transaction will contain a date and may
include a reference number, such as a check number.
Within the transactions table, clicking the up or down arrows in each column
heading will re-sort the column in either ascending or descending order. The
selected sort will be indicated by the direction of the arrow and the shading of
the column header cell. When the table is sorted by date, and if available from
your financial institution's host, a Running Balance column will display to the
far right of the table.
The table contains pagination which allows you to navigate to the Next, Last,
First or Previous page of transaction data.
When viewing the details of Loan Accounts, additional columns for Principal,
Interest and Escrow may display to the right of the Credit column if the loan
payment information is available from your financial institution.
Note: Historical requests with a large number of transactions will be processed
in the background. You may navigate to any other screen while your request is
processing. Previously requested account details can be accessed from the
Account Summary screen. Select the account hyperlink under the Retrieved
Account Details section to view the account details.
Memo Posted transactions will be listed with the current day’s date and are
considered part of the current day’s transactions. If a date range is selected that
includes the current date, Memo Postings will be returned, if not, no Memo
Postings will appear. The Balance Column (if available) will be blank for memo
posted transactions.
At the bottom of the page is the option to export the transaction information. To
export the information to a file, select a file format from the drop-down and then
click the Export button.
Account Details Advanced Search
The Account Details Advanced Search section allows you to filter the displayed data or
submit different search criteria.
The Advanced Search section contains the Check Number Selection, Amount Selection
and Available Transaction Categories.
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To display the Account Details Transaction Search section, click the Advanced
Search link on the Account Details page.
•
You may search for a specific check number or a range of check
numbers, or search all checks.
•
You may also enter a specific amount to search or search transaction
details for a range of amounts.
•
To further narrow your search, a combination of check number and
amount search may be submitted together.
•
If you want to do a broader search, just select a transaction group from
the list by checking the adjacent check box.
•
When you have finished defining your search criteria, click the Submit
button below the expanded search section.
To close the Account Details Transaction Search section:
•
Click the Hide Advanced Search link. The Transaction Search section
is hidden.
Account Details Screen Controls
The listing of transactions in the Account Details table can be sorted by the
data in any column. Click the arrows in the column headers to sort the table (up
arrows give an ascending sort; down arrows give a descending sort). The
column the table is sorted by has a shaded column header cell.
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The Company drop-down menu controls the display of accounts in the
Account Selection drop-down list.
To see details for a different account, select another account from the Account
Selection drop-down list.
Note: For all accounts, the Posted Transactions table will display an Item
Reference column..
Imaging Features and Navigation
If you have access to the Imaging service and an image is available, the
following will be displayed in the Item Reference column:
Check Imaging - The check number (for checks paid transactions) will
display as a hyperlink in the Item Reference column; click the link to
display the check image in a secondary browser window.
Deposit Imaging - The text "View" or a deposit transaction number will
display as a hyperlink in the Item Reference column; click the link to
display the deposit slip image or the Deposit Transaction List in a
secondary browser window. If your financial institution is able to report
associated items, the Deposit Transaction List displays a listing of the
associated items included in the deposit and a hyperlink to view the
individual deposited item or cash item ticket.
You can set the date range for the transactions you wish to see by filling out the
From and To fields in the Request Specific Date Range table. Enter dates in
dd/mm/ yyyy format or select the date from the pop-up calendar. For
convenience, you can click the Retrieve Yesterday's Transactions or
Retrieve Today's Transactions button to set one-day ranges.
You can also filter the data by clicking on the Advanced Search link. The data
can be filtered by Check Number, Dollar Amount or Available Transaction
Categories. Make your changes and click the Submit button to update the
display.
If you have a large number of transaction records, you will be able to page
through the list using First, Previous, Next and Last options on screen.
Note: If account category codes are not available, the Available Transaction
Categories displayed will be Debits and Credits.
The display of the More button indicates that there are additional transactions
available for the date range requested.
If you select the More button without a Sort and/or Transaction Category Filter
in use, you will remain on the same page from where you selected the More
button.
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If you select the More button with a Sort and/or Transaction Category Filter in
use, the application will return you to the first page of history and the ‘new’
transactions will be sorted within your original set of transactions.
You can create an export file of Account Details data by choosing a format from
the Select Export Format drop-down list and clicking the Export button. A
standard Windows dialog box lets you specify the filename and directory
location.
Note: If the balance for the account is not real-time, a pop-up warning will be
displayed before the download of the file.
The online banking system can export financial transaction data in a format
specific to BAI, MicrosoftÒ Money ( OFX), WebConnect for QuickBooksÒ or
WebConnect for QuickenÒ,. QuickBooksÒ(.IIF), QuickenÒ/Money (. qif). It can
also create a comma-delimited text file that can be read by most database
systems, spreadsheets, word processors, etc. or an HTML file for display in a
browser.
IMPORTANT! Before exporting account information to QuickBooks or Quicken
for the first time, please confirm that the QuickBooks or Quicken "Chart of
Accounts" name (for example, Corporate Checking) matches the online banking
system account name. If not, QuickBooks and Quicken will automatically create
new accounts to match the online banking system account name.
Tiered Commercial Loans
Tiered Loan Accounts
If your financial institution supports Tiered Commercial Loans, you may have
one or more Master Accounts (tied to your Tax ID) with associated Credit Lines
and/or Notes. If any of these are defined and accessible for your user ID, you
will see an extra table on your Account Summary screen:
The Tiered Loan Accounts table appears only if you have some commercial
loan data defined. For each Master Account, the table shows all associated
Credit Lines and Notes (the Master Account Record itself does not appear in
the table). Each row of data represents one Credit Line or one Note, as
indicated in the Type column. You can sort the table by clicking the up and
down arrows in any of the column headers.
To see the details on any Credit Line or Note, click the text in the Credit
Line/Note # column, and one of two special Account Detail screens will
appear. (See the Account Details section for a full description.)
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Commercial Customer Platform 5.1 User Guide
Account Details for Tiered Commercial Loans
At the Select Account drop-down, you can select a different Credit Line or a
Note from the drop-down list. The Account Information section shows all of the
relevant data for that Note.
The table shows all notes associated with the Credit Line indicated in the dropdown list at the top. You can also click the Note Number hyperlink to see the
details for any Note listed in the table.
Account Details
At the Select Account drop-down, you can select a different Credit Line or a
Note from the drop-down list.
Click the Principal Detail or Interest Detail magnifying glasses to see P & I
data in a separate pop-up browser window.
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Search Transactions
Search Transactions
The Balance Reporting Search Transactions option allows you to create a search
request, by account. The search may contain a specific date range or a pre-defined
date range, a specific check number, a specific check number and amount, or a range
of check numbers. A Company drop-down list is available at the top of the page. This
allows you to specify which company's accounts you want to search.
To display the Search Transactions screen, select the Search Transactions option
under the Account Reporting section of the Account Activities & Reporting menu.
The Search Transactions screen displays.
This screen has several distinct sections that are used to build your transaction search
criteria. Search results are displayed on the Transaction Results screen. If more
transactions meet the criteria than are able to be displayed on-screen, you will have the
ability to view these records using First, Previous and Last buttons.
To create a report using the search feature:
1. In the Account Selection section, select the account to query.
2. In the Date Selection section, select from a predefined time period or enter
a date range of your choosing.
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3. In the Check / Serial Number Selection section, select a specific check
number, a range of check numbers or "All" check numbers for your query.
4. In the Amount Selection section, enter a specific amount or request "All"
dollar amounts.
5. In the Transaction Type Selection section, choose between debits, credits
or "All" transactions for inclusion in the report.
6. Click the Submit button. The Transaction Results screen is displayed
listing all the transactions that match the criteria entered.
7. Click the Reset button to clear the fields.
Search Transactions Results
The transaction search results screen provides a detailed listing of those
transactions that meet your search criteria.
The listing of transactions on the Transaction Search Results screen can be
sorted by the data in any column. Click the arrows in the column headers to sort
the table (up arrows give an ascending sort; down arrows give a descending
sort). To search for additional transactions, select the New Search button.
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Note: For checking accounts, the table will also display a Check / Serial
Number column. If you have access to the Imaging service and an image is
available, the check number will display as a hyperlink; click the link to display
the check image in a new window.
Balance Alerts
Manage Balance Alerts
The Manage Balance Alerts function is used to specify alert conditions by
defining unique criteria for individual accounts. These criteria each take the form
of a dollar value and an "above" or "below" condition. An account may be
assigned both an above and a below threshold, effectively bracketing the
acceptable range between floor and ceiling values. The system sends an email
message when an account reaches the specified monetary level.
Note: for security purposes, the email content will only alert you that your
account is above or below the threshold established.
A Company drop-down will be available. Selecting a company will populate the
Account drop-down in the Add An Alert section with that company's accounts.
It will also display associated alerts under the Current Alert section of the page.
The Manage Balance Alerts function operates by running an automated
program twice a day, once at 4:00am and again at noon (Pacific Time). The
system checks all account balances against the Manage Balance Alert(s)
definitions, and the online banking system then sends email messages as
needed.
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To display the Manage Balance Alerts screen:
Click the Manage Balance Alerts option on the Account Activities &
Reporting menu. The Manage Balance Alerts screen displays.
A Company drop down will be available on the page. Each company
selection will update the Account drop down with accounts that are
associated with that company. Only accounts that you have permission to
access will appear. By default, the primary company will appear first in the
Company drop down menu. Any additional companies will be listed after
in alphabetical order.
The Current Alert(s) section shows all alerts currently in effect for the
selected company. You can add new alert definitions, update the existing
definitions or delete definitions.
The Reset button clears and entries or changes you have made on the
screen.
Add a Balance Alert
To add a new Alert definition, fill out the fields in the Add An Alert section of
the screen.
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1. Select the Company that you would like to create an alert for. Each
company selection will update the Account drop-down with accounts that
are associated with that company.
2. Select the account from the Account drop-down list.
3. Select the Balance Type you would like monitored from the Balance Type
drop-down list.
4. Select Rises Above or Falls Below from the Condition drop-down list.
5. Enter the threshold amount in the Amount field.
6. Enter the email address to receive the alert notification in the Email
Address field.
7. To add the new alert, click the Add button. To discard the new information
and clear all of the fields, click the Reset button
Update Balance Alerts
1. Select the Company that has an alert you would like to update.
2. In the Current Alert(s) section, click the Select check box next to the alert
you want to change.
3. Edit the Balance Type, Balance Condition, Amount and/or Email
Address settings.
4. Repeat steps 1 and 2 for other Alert definitions, if desired.
5. Click Update to save the modified definition(s). Reset will return the
settings to the original settings.
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Commercial Customer Platform 5.1 User Guide
Delete a Balance Alert
1. Select the Company that has the alert you would like to delete.
2. In the Current Alert(s) section, click the Select check box next to the alert
you want to delete.
3. The Reset will return the settings to the original settings.
4. Click the Delete button. A dialog box appears, prompting for confirmation.
5. Click the OK button to confirm you want to delete the alert or Cancel to
leave the record as is.
Create Reports
Create Reports
The Create Reports function lets you create, edit and delete custom reports
that may be viewed in the format of the Account Summary page. Create
Reports lets you configure the display so that you see only the accounts and
transactions you want to see.
A report comprises a group of Account settings and a group of Transaction
settings. Reports are saved by name and include a descriptive title. When used,
the report acts as a filter setting for the Account Summary screen, giving a
customized view.
The Company drop-down selection will populate the Available Accounts.
Please note that the Report Name drop-down will be populated with reports
tied to the selected Company. The reports are listed in alphabetical order.
From the Account Activities & Reporting menu, click the Create Reports
option under the Account Reporting group.
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Adding a New Report:
You may select an existing report name from the drop-down list, or click the
New button to create a new report. If the New button is selected, the Report
Name drop-down is pre-filled with the name New Report. You will have an
opportunity to name the report at the bottom of the page right before you Save
the report definition.
1. Choose the accounts you would like to see displayed on the report by
clicking the check box associated with the account -- or you may choose
all accounts by clicking the Select All check box.
2. Then select the Transaction Categories for the report by selecting the
specific check box for the category, or the Select All check box for all
transaction categories.
Note: If account category codes are not available, the transaction types
displayed will be All Debits and All Credits.
3. Once you have defined the report, enter a Report Name in the space
provided. The report name may not contain any spaces. Then assign a
Report Title. The report title may contain spaces. If you enable the
Make this a Favorite Report check box, the report name will appear in
the Report Name drop-down list with an asterisk.
4. When you are finished, click the Add button at the bottom of the page.
Displaying the Report Definition for a Saved Report:
Choose the Report Name from the drop-down list.
The page will populate with the report definition for the selected report.
You may edit or delete the report definition. When you are finished, click the
Update button at the bottom of the page.
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Update Report Criteria
1. Rest the cursor on the Account Activities & Reporting option and then
click Create Reports. The Create Reports screen appears.
2. Select the appropriate company from the Company drop-down.
3. Select the report from the Report Name drop-down list.
4. Make the desired changes. If necessary, click the Reset button to revert
all fields to their previously-saved values.
5. Click the Update button.
Create a New Report
Rest the cursor on the Account Activities & Reporting option and then click
Create Reports. The Create Reports screen appears.
1. Select the appropriate company from the Company drop-down.
2. Click the New button
3. Check the boxes for the desired accounts in the Available Accounts
table.
4. Check the boxes for the desired transactions in the Available
Transaction Categories table. (You can also check Select All to check all
the boxes, or uncheck it to clear all boxes.)
5. Enter a Report Name (no spaces) and a descriptive Report Title.
6. (Optional) Check the Favorite Report (default) box if you want to be able
to use this report as the main landing page.
7. Click the Add button.
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Delete a Report
1. Rest the cursor on the Account Activities & Reporting option and then
click Create Reports. The Create Reports screen appears.
2. Select the appropriate company from the Company drop-down
3. Select the report from the Report Name drop-down list.
4. Click the Delete button.
Run Selected Report
The Run Selected Report option lets you display the results from your saved
reports.
To display the Run Selected Report screen, select the Account Reporting option
under the Account Activities & Reporting menu option. The Run Selected Report
screen displays.
Select a report from the drop-down list and then click the Submit button. The
system displays the Account Summary screen using your saved report criteria
as the filtering specification.
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Account Activities & Reporting
The Account Activities & Reporting menu provides access to account
management functions. The options available from this menu are dependent
upon each financial institution's processing methods and may include:
Reconciliation Services
•
Upload Issued Checks – allows you to upload an issue file to cash
management
•
Enter Issued Checks – allows you to manually enter issue items.
•
View Issued Check Register -- displays a history of the issues you have
submitted (input or uploaded) and, depending on your financial institution's
processing method, may allow you to reconcile account information and view
exceptions.
Positive Pay
•
Exception Decision Positive Pay Exceptions – allows you to view
exceptions and submit decisions (Pay or Return) through the online banking
channel. Exception items are updated with decision information. This option is
dependent upon on your financial institution’s processing method.
Stop Payments
•
Add Stop Payment – Allows you to enter a stop payment request on a single
check or range of checks.
•
View Stop Payment Activity – Allows you to view stop payment transaction
status.
Reconciliation Services
Reconciliation Services
Enter Issued Checks
The Enter Issued Checks feature lets you manually enter your check data and
submit issued checks for reconciliation processing. There are two sections of
the Enter Issued Checks screen. The first section is where a user adds issued
checks to send to their financial institution. You do not have to send the entered
issued checks to your financial institution until you are ready. You can add the
issued checks and then send them to the financial institution separately.
The second section is where you can change or delete the issued items prior to
sending to the financial institution. Use the Update function to save issued
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Commercial Customer Platform 5.1 User Guide
checks for later edits and additions prior to sending them to your financial
institution.
To add a new Issue:
1. Choose the Reconciliation Services option on the Account Activities &
Reporting menu, and then select the Enter Issued Checks sub-menu
option. The Enter Issued Checks screen appears and shows all manually
entered issues for all accounts.
2.
3.
Select an account from the Select Account drop-down list.
In the top section of the screen, fill in the Issue Date, Check
Number, Amount and Additional Information fields.
Note: The Additional Information field can be used to uniquely identify the
issue item, similar to the Memo field on a check.
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4. Set the action to take using the following options:
Click Reg/Add to add a check.
Click Reg/Del to remove a check.
Click Void/Add to add a voided check.
Click Void/Del to remove a voided check.
Click Stop/Add to change check status to "stop payment" (processing
method B only)
Click Stop/Del to remove a stop payment on a check (processing
method B only)
5. Click the Add button to add the issued check items to the Update Issues
list below.
6. Click Save to save the information added to the Update Issues list.
Note: If you have items in the Pending Issues section of the page, prior to
leaving this page, you must click the Save button or Send button at the bottom
of the page or entered issued check data will be lost.
7. The Update Issues section of the screen shows all manually entered
issues. While the Account Number. field is display only, for any issue
added you may change the action for the item or update the data fields.
Optionally, check the Delete box to remove an issue from the list.
8. Click Save to save changes made to the issue items and remove any
items that are marked for deletion. Saving issues simply keeps them in a
Pending status. These items will not be processed.
9. Click Send to send the data for processing and add the items to the
Issued Check Register. A confirmation screen will appear displaying a
summary of the issue register items entered.
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Reconciliation Services Processing Methods
The online banking product is designed to provide Reconciliation Services to
financial institutions with different processing methods. There are two possible
options available. Each option affects the menu items on the Account Services
menu and the appearance and use of the Issues Register. These options are
described below.
Note: The instruction set for Enter Issued Checks varies depending on the
processing method used by your financial institution. Please take note of the
sample screen to determine which Issues Register Instructions to follow.
Reconciliation Services (Processing Method A)
If your financial institution uses this method of handling Reconciliation Services,
you will be able to input issues, upload issues, and view issue history on the
Issued Check Register. There will be additional reports that your financial
institution will provide outside of the online banking application. If your financial
institution uses this method of processing, your Enter Issued Checks and
Issued Check Register screen will look like this:
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You will be limited to creating issues and exception decisions for the primary
company only. No drop down menu will be available to select secondary
companies. Only the primary company will display on the top right-hand side of
each screen.
The screens available for this method are:
•
Upload Issues File
•
Enter Issued Checks
•
Issued Check Register
If your financial institution also uses the cash management system’s Positive
Pay feature, you will have the following additional menu option:
•
Decision Positive Pay Exceptions
Reconciliation Services (Processing Method B)
If your financial institution uses this method of handling Reconciliation Services,
you will be able to input issues, upload issues, and use the Issued Check
Register to reconcile the selected account for the designated period. Exceptions
are displayed on the register, but processing decisions on those exceptions is
not available. If your financial institution uses this method of processing, your
Issued Check Register screen will look like this:
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Commercial Customer Platform 5.1 User Guide
A Company drop down will be available on each page. Each company
selection will update the Account Number drop down with accounts that are
associated with that company. Only accounts that you have access to will be
available.
The screens available for this method are:
•
Upload Issues File
•
Enter Issued Checks
•
Issued Check Register
If your financial institution also uses the cash management system’s Positive
Pay feature, you will have the following additional menu option:
•
Decision Positive Pay Exceptions
Issued Check Register
Method A
The Issues Register allows you to view a history of the issues sent to the
financial institution for a selected account. By default, the system initially
displays 500 records. You can search for and display issues records from up to
180 days in the past.
To display the Issued Check Register screen:
From the Account Activities & Reporting menu, select the View Issued
Check Register option under the Reconciliation Services group. The
Issued Check Register screen appears.
1. Select the appropriate account from the Account Number drop-down
list.
2. Enter a date range to search within and click Submit or
3. Search for a specific issue by selecting Check Number, Issue Amount,
Issue Date or Payee from the Search for: drop-down list, then enter a
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Commercial Customer Platform
Value to search for and click Submit. The information matching the
criteria entered will be displayed.
Note: You can view the detail for a line item by clicking the magnifying glass
icon in the Detail column. You can also export the information displayed on
screen to a comma-delimited file by clicking the Export button. You will be
prompted to save the file to disk, choose a location, and specify the file name
for the exported data.
Method B
The Issues Register allows you to view a history of the issues for a selected
account. You will be able to input issues, upload issues, and view Outstanding
Items, Paid Items, Stale Items and Deleted Items. Exceptions are displayed
on the register, but are processed outside the application. By default, the
system initially displays 500 records. You can search for and display issues
records from up to 180 days in the past.
To display the Issued Check Register screen:
From the Account Activities & Reporting menu, select the View Issued
Check Register option under the Reconciliation Services group. The
Issued Check Register screen appears.
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Commercial Customer Platform 5.1 User Guide
1.
Select a company from the Company drop-down selection
to populate the Account Number drop down list.
2.
Select the appropriate account from the Account
Selection drop down list.
3.
Enter a date range to search within and/or
4.
Filter Issues by Status by checking the appropriate check
boxes or
5.
Search for a specific issue by selecting Check Number,
Issue Amount, Issue Date or Payee from the Search for: dropdown list, then enter a Value to search for and click Submit. The
information matching the criteria entered will be displayed.
Note: You can export the information displayed on screen to a comma-delimited
file by clicking the Export button. You will be prompted to save the file to disk,
choose a location, and specify the file name for the exported data.
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Commercial Customer Platform
Upload Issued Checks
Authorized users may select an Issues Register File (file containing issued
check information), upload the issued check items file and send it to the
financial institution for reconciliation processing. An email will be sent to your
financial institution informing them of the incoming file. Uploaded items may be
viewed in the Issued Check Register. Please note that the system will only
allow an end user to upload issues for accounts they have access to enter
issued checks.
A Company drop down will be available on the page. You will need to select
the company that is associated to the account in the uploaded file. Method A
users will see the primary company displayed in the top right-hand corner in
place of the drop down menu
To upload an issued checks file:
1. (For Method B users only) Select the Company that is associated with the
account in the file to be uploaded.
2. Below the Reconciliation Services option on the Account Activities &
Reporting menu, select the Upload Issued Checks sub-menu option. The
Upload Issued Checks screen appears.
3. Select the file format to be uploaded. The default file format is Proprietary
ARP file.
4. Enter the full path name for the file, or for convenience, you may click the
Browse… button to open a standard Windows dialog box that allows you to
search your local and network drives to locate the file.
5. Click the Upload button to submit the issued checks file to your financial
institution for processing. If the upload is not successful, the system will
display an error message.
Note for ARP Method A: Submitting issues past cutoff time will prompt the
following warning: "Your issued items have been successfully submitted. Due to
cutoff time frames established by your financial institution , these issued items
will be processed the next business day." Issues submitted past the cutoff time
will be assigned an Issue Date of the next business day.
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Decision Positive Pay Exceptions
The Decision Positive Pay Exceptions function lets you review all
discrepancies that have occurred between your own issues records and those
processed by your financial institution. For each exception item, you can instruct
the financial institution on what action to take. You may also view decisions sent
for the past 10 calendar days.
A message at the bottom of the screen indicates how many more exceptions
require decisions. Once some or all the first 50 exceptions listed have
decisions, the screen refreshes with the next 50 exceptions requiring decisions.
The Sent Positive Pay Decisions screen displays exception items previously
sent to the financial institution for processing. Each exception item has full
details, including the Exception Reason. Processed exceptions activity will be
retained for 10 calendar days. Exceptions listed may be sorted using the up and
down arrows next to each column heading.
A Company drop down is available on the page. You will need to select the
company that is associated to the account in the uploaded file. Method A users
will see the primary company displayed in the top right-hand corner in place of
the drop down menu
To process exception decisions:
1. Rest your cursor on the Account Activities & Reporting menu, and then
select the Decision Positive Pay Exceptions option under the Positive Pay
group. The Decision Positive Pay Exceptions screen appears.
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2. If your financial institution supports multi-TIN functionality, select a Company
from the Company drop-down menu. This will populate the screen with the
exceptions for this company. Method A users will see the primary company
displayed in the top left corner in place of the drop-down menu.
3. Click the Select checkbox next to the exception item(s) to select that item to
be sent to the financial institution.
4. Set the Action to instruct the financial institution what to do with each item.
The default decision for exception items is automatically selected. Once a
decision on an item has been sent, you may not change the action decision.
The actions available are:
• Pay: Pay the check
• Return: Do not honor the check
• Pay – Adj. Required: (Method A users only) Pay the issue amount
and adjust the check amount to match
5. Click the Send button to submit the selected exceptions to the financial
institution for processing. The Exceptions Processing screen will refresh
and display the exceptions remaining.
Note: If you do not submit exception decisions for processing before the
financial institution's established cutoff time, the default decisions will
automatically be sent to the financial institution.
Selecting the Show Sent button will display the Sent Positive Pay Decisions screen.
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Commercial Customer Platform 5.1 User Guide
Note: Sent decisions with an action followed by an asterisk "*" were
automatically sent to the financial institution.
Stop Payments
Add Stop Payment
The Add Stop Payment function allows you to place stops on an individual
check or, if your financial institution supports it, a range of checks. Depending
on the type of stop payment, additional information is required.
To display the Add Stop Payment screen:
1. Under the Account Activities and Reporting menu and the Stop
Payment group, select the Add Stop Payment option. The Add Stop
Payment screen displays.
2. If you have access to multiple companies, a Company drop-down option
will display at the top left of the page. The company selected
determines the account list on the Account drop-down.
3. The contact information fields are automatically populated with the
information on file. These fields contain contact information used by
your financial institution if they have any questions regarding the stop
payment request. Complete the remaining information requested on this
page. Fields with an asterisk (*) are required.
4. Under the Request Type section, toggling between the Stop Individual
Check and Stop Range of Checks radio buttons changes the entry
fields for each request type. If Stop Range of Checks is selected, the
display changes to the following two entry fields -- Starting Check
Number and Ending Check Number. Note: The ability to enter a range
of checks is determined by your financial institution. Range stops may
also be limited to the number of checks allowed in the stop range.
5. Click the Add button to send the stop payment request to your financial
institution. A review screen appears allowing you to cancel or submit the
Stop Payment for processing. If you click Submit, a confirmation screen
appears with a recap of the information sent to the financial institution.
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View Stop Payment Activity
The Stop Payment Activity function allows you to view the status of stop
payment requests. The screen will display Stop Payment activity for all users
who are permitted to the Stop Payment function.
Stop Payment requests will have one of the following four status designations:
Unprocessed – The Stop Payment Request has been sent to the financial
institution and is awaiting action. This status is also assigned when a
mixed status is returned on a stop payment range request, i.e., some
checks have cleared others have not.
Processing – The financial institution has received the stop payment
request from the end user and is in the process of completing that
request.
Completed – The financial institution has completed the stop payment
request.
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Commercial Customer Platform 5.1 User Guide
Declined – The financial institution is unable to complete the stop
payment request.
Stop Payment requests with a status of Completed or Declined will remain on
the activity screen for a period of ten calendar days.
To view the Stop Payment Activity screen, select the View Stop Payment
Activity option under the Account Activities and Reporting menu and Stop
Payment group.
•
On initial display, the table is sorted by Date Created with the most
recent stop payment transaction appearing at the top of the table. The
second level sort is by Company. You may sort the table differently by
clicking the up and down arrows in the column headers.
•
Click the magnifying glass in the Details column to view the details of
the stop payment in a separate pop-up window.
Payments & Transfers
Payments & Transfers
The Payments & Transfers menu provides you with options for the following
services:
84
•
ACH – allows you to create and send batch files which contain information
pertinent to the movement of funds between accounts
•
Account Transfer - allows you to move funds between accounts within the
same financial institution
•
Federal Tax Payments – allows you to use Electronic Federal Tax Payment
System (EFTPS ) as the method to submit tax payments
•
Wire Transfer - allows you to move funds between accounts at different
financial institutions
Commercial Customer Platform
•
Sweeps - Set up automated sweeps on accounts to keep their balances within
certain limits.
Account Transfer
Account Transfer
The Account Transfer service allows the end user to move funds between
accounts within the same financial institution. Transfers can be scheduled for
the current day or a date up to one year in the future. Scheduled transfers can
be reviewed and deleted. This service also supports the scheduling of
Recurring Account Transfers and allows the viewing, updating and deleting of
pending Recurring Account Transfers.
Account Balances are checked by the system for current day transfers only. A
disclosure statement appears onscreen indicating the date and time the balance
information was updated. Balances are not checked when a future dated book
transfer is created.
If you have access to multiple companies, a Company drop-down will be
available. Selecting a company populates the To Account and From Account
fields on the Add Transfer and Add Recurring Transfer screens. It will also
display associated account transfers on the Update Account Transfer screen.
Please note that account transfers can be made across multiple companies if
that feature is supported by your financial institution. However, future dated and
recurring transfers may not be initiated for cross company account transfers.
Note: If your Data Processing Vendor supports this feature, all balances
displayed will have an asterisk (‘*’) appended to indicate when a real-time
balance is not available. This asterisk will be displayed on a per-account basis,
indicating status for individual accounts (in case real-time balances are
available for certain accounts but not all).
Add Account Transfer
The Add Transfer page allows you to move funds between accounts of
common ownership. If your financial institution supports the Multi-TIN feature,
you will also be able to initiate cross-company account transfers.
A Word About Account Transfers and Tiered Commercial Loans
If your financial institution supports Tiered Commercial Loans, you may be able
to use the Account Transfer service to transfer funds to and from a Loan Note.
The rules for the Tiered Commercial Loan entities prohibit any use of Account
Transfers with Master Account Records (MARs) or Credit Lines.
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Initiating an Account Transfer
If your financial institution offers the ability to transfer funds between accounts
associated with different company tax ID numbers or TINs, a Company dropdown will display on the Add Account Transfer page. If this feature is not
available, the Company field will display as text.
Note: Cross-company transfers may only be immediate; future dating or
scheduling a recurring transfer is not supported for accounts across companies.
1. Select the Add Transfer option on the Payments & Transfers menu within the
Account Transfer group. The Add Account Transfer page displays.
1.
At the Company drop-down under the From heading, select the
company to display associated accounts in the From Account drop-down
list. Note: If cross company transfers are not supported, the Company
field will not have a drop-down and will appear as text.
2.
At the Company drop-down under the To heading, select the
company to display associated accounts in the To Account drop-down
list. Note: If cross company transfers are not supported or enabled, the
Company field will appear as static text.
3.
Enter the transfer amount and the transfer date. Transfers added
for a date in the future will be stored and then processed on the specified
date. Note: Cross company transfers may only use the current date.
4.
Select a To Account number from the To Account drop-down list.
5.
(Optional) Enter a description for the transfer in the Transfer
Memo field.
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6.
Verify that all information is correct. You can click the Reset
button to clear all of the fields if necessary.
7.
Click the Add button to complete the transfer entry. The transfer
information displays on the lower portion of the page. If your financial
institution charges a fee for Account Transfers, the fee displays with the
transfer details. If you want to remove any transfers displayed in the
review section at the bottom of the page, click the Delete link that
appears to the right of the transfer.
8.
Repeat steps 1-6 to set up additional transfers, if desired. Up to
10 transfers may be entered on this screen.
9.
When you are finished entering transfers, click the Submit button
to send the transfers to your financial institution. The Account Transfer
Review pop-up screen displays. This gives you the opportunity to cancel
the submission of the transfers.
Note: When the "To Account" is a loan, you can select a Loan Payment Type.
If you select Multiple Payments as a loan payment type, you will also need to
define the Number of Payments. A multiple payment is pre-payment of your
scheduled loan payments. The amount you enter must equal the number of
payments you are making. Regular Payment may be the only payment type
available with your financial institution.
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Verify that the transfer information is correct and click the OK button to complete
the transfer. The Account Transfer Confirmation screen appears. The Account
Transfer is now complete. The default view shows a collapsed view of the account
transfers. Click the "+" icon to the left of the accounts to expand the view.
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Add Recurring Account Transfer
Three screens are involved in the process of adding a recurring book transfer.
In the first screen, Add Recurring Account Transfer, you enter the specific
transfer information. Using this screen you add one recurring transfer at a time.
In the second screen, Recurring Transfer Verification, the transfer information
is presented and confirmation is required in order to process the transfer. The
third screen, Recurring Transfer Confirmation, provides a confirmation
message if the transfer was successful or an error message if the transfer was
not successful.
Note: Recurring Account Transfers are inter-company only and may not be made
across companies.
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Entering a Recurring Transfer
1. Rest your cursor on the Payments and Transfers menu option and then
select the Add Recurring Transfer option within the Account Transfers
group. The Add Recurring Account Transfer screen appears.
1.
From the Company drop-down menu, select the company to
populate associated accounts in the From and To drop-down lists.
Note: Cross company accounts are not supported for recurring
transfers.
2.
Select the account you will transfer funds out of using the From
Account drop-down list.
3.
Select the account you will transfer funds into using the To
Account drop-down list.
4.
(Optional) If the "To Account" is a loan, you can select a Loan
Payment Type. If Multiple Payments is available as a loan payment
type, and you select this type, then an additional field -- Number of
Payments -- will display to the right of the Loan Payment Type dropdown.
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Note: A multiple payment is pre-payment of your scheduled loan payments.
The amount you enter must equal the number of payments you are
making. Regular Payment may be the only payment type available with
your financial institution
5.
Enter the Amount to transfer and the start date. The Start Date
may not be the current date or a prior date. The format for the date is
MM/DD/YYYY, or you may select the date by clicking the calendar icon.
6.
(Optional) Enter a description for the transfer in the Transfer
Memo field. This information will not be sent to the Data Processing
Vendor (DPV).
7.
Enter the Email Address of the person who will receive
notification of whether or not the transfer was successful.
8.
In the Transfer Schedule section of the page, you establish the
frequency of the transfer.
Note: Weekly Payments – The Start Date must match first Weekly Payment.
Monthly Payments – The Start Date must match monthly date.
Twice Monthly Payments – The Start Date must match one of the two
twice-monthly dates.
Enter the number of transfers or the End Date for the recurring transfer. The
year cannot exceed 2031, and the date must be greater than or equal to the
start date.
Note: Transfers are processed on the date specified and a confirmation email
will be sent to the email address specified. If the transfer cannot be processed,
the system will send an email noting the error and the transfer will be deleted
on the end date. If the email address is invalid, the transaction will still occur
but no email will be sent.
Scheduled Recurring Transfers (SRT): For online DPVs, the balance will be
checked when the scheduled transfer is kicked off. If the selected balance to
check is insufficient*, the online banking system will fail the transfer. The
account will only be allowed to go into an overdrawn (NSF) status if your
financial institution has enabled this for the account.
For batch processing, the balance will be checked one time, the day of the
transfer. The transfer will be sent if the balance, at the time it is verified, is
sufficient to cover the transfer, and will fail if the balance at that time is
insufficient*.
* Although the balance is being verified, there is a chance that other
transactions could post from other external systems, i.e., teller systems, ATM
systems, etc., that could cause the account to be overdrawn. The online
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banking system is unable to guarantee that sufficient funds will be in the
account when the transfer actually takes place. For batch DPVs, there is a
higher likelihood for this to occur.
9. Verify that all information is correct. You can click the Reset button to
clear all of the fields if necessary.
10. Click the Add button. The Recurring Transfer Verification screen
appears displaying the information entered on the previous screen.
Recurring Transfer Verification Screen
11. Click the Submit button to proceed with scheduling the recurring transfer
and display the Recurring Transfer Confirmation screen; or click
Cancel to return to the Add Recurring Transfer screen.
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Recurring Transfer Confirmation Screen
Note: Recurring account transfer instructions are available for viewing,
updating, and deleting from the Update Account Transfer screen.
Update Account Transfers
This menu option allows you to view, update, or delete both scheduled account
transfers and recurring account transfers. The Update Account Transfers
function lets you examine all such transfers and, if appropriate, remove them
from the pending list (i.e., cancel them). The Scheduled Recurring Account
Transfers portion displays the current recurring transfers scheduled and allows
you to edit all fields except the start date, from account, and to account.
Transfers are processed on the date specified and a confirmation email will be
sent to the end user that added the account transfer information. If the transfer
cannot be processed, the system will send an email noting the error and the
transfer will be deleted.
If you have a large number of transfer records, you will be able to page through
the list using First, Previous and Last buttons.
To update Account Transfers:
Rest your cursor on the Payments & Transfers menu and click on the
Update Transfers option, located under the Account Transfer section. The
Update Account Transfers screen appears.
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•
•
•
The Update button saves the selected book transfer changes in the system
and updates the screen with the changes.
The Delete button removes the selected transfer from the system.
The Reset button clears the screen of any changes and displays the last
saved transfer instructions.
Manage Sweeps
Manage Sweeps
The Manage Sweeps function provides the ability to set up automated sweeps
on accounts, to keep their balances within certain limits. When a limit is
reached, the system transfers money between the specified accounts (just
enough to bring the monitored account back to the threshold amount) and
sends an email message to indicate the activity.
The Manage Sweeps function operates by running an automated program up
to five times a day. The financial institution can define the times the sweeps will
occur. If no sweeps are defined by the financial institution, the default times are
4:00am and 12:00pm. The program checks all account balances against the
sweep definitions and the online banking system; it then initiates transfers as
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needed. (The balance-checking program is the same one used for Balance
Alerts.)
To display the Manage Sweeps screen, from the Payments & Transfers
menu, select the Manage Sweeps option under the Account Transfer group.
A Company drop down will be available on the page. Each company selection
will update the Account to Check and Account to Adjust drop-down lists with
accounts that are associated with that company. Only accounts that you have
permission to access will appear. By default, the primary company will appear
first in the Company drop-down menu. Any additional companies will be listed
after in alphabetical order. Please note that sweeps cannot be made across
multiple companies. Sweeps can only be initiated inter-company. Manage
Sweeps supports Saving, Checking, and Line of Credit account types. Line
of Credit accounts can be used as the account to adjust ONLY, and NOT the
account to check.
Note: If the available balance of the account to adjust is not sufficient to support the
entire amount of the transfer, the system will not perform the transfer. No funds will
be transferred.
The Current Sweep(s) section shows all sweeps currently in effect for the
selected company. You can add new sweep definitions, edit the existing
definitions or delete definitions.
Note: Be careful when defining "Rises Above" sweeps! It is possible to create a
recurring loop if an account’s balance is right around the threshold amount. If the
account receives interest payments or other additions daily, it may exceed the
threshold daily and be swept daily as well. Such activity is not beneficial and may
require administrative attention.
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Add a Sweep Definition
To add a new sweep definition, fill out the fields in the Add A Sweep section of
the screen.
1. Select the Company that you would like to create a sweep for. Each
company selection will update the Account to Check and Account to
Adjust drop down menus with accounts that are associated with that
company.
2. Select an account from the Account to Check drop-down list. This is the
account that will be monitored against the threshold value specified in the
Threshold/Target Amount field.
3. Select a condition from the Condition drop-down list. If you choose Rises
Above, the monitored account will have money swept out if its balance
exceeds the threshold. If you choose Falls Below, the monitored account will
have money swept in if its balance drops below the threshold.
4. Specify the threshold amount in the Threshold/Target Amount field.
5. Select an account from the Account to Adjust drop-down list. This account
will receive money swept from the monitored account for Rises Above
sweeps, and will contribute money to the monitored account for Falls Below
sweeps.
Note: Line of Credit accounts can be used as the account to adjust ONLY,
and NOT the account to check.
6. Enter the Email Address of the person who is to be notified when this
sweep occurs.
7. Click the Add button.
Note: Failure notifications for Sweeps will be sent each time a scheduled or
recurring transfer is run where the Sweep condition has been met but the
system was unable to process the adjustment. Sweeps support Savings,
Checking and Line of Credit account types
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Update Sweep Definition
1. Select the Company that has the sweep you would like to update.
2. In the Current Sweep(s) section of the screen, check the Select box next to
the sweep definition you wish to update.
3. Edit the Condition, Amount and/or Email Address settings.
4. Repeat steps 1 and 2 for other Sweep definitions, if desired.
5. Click Update to save the modified definition(s).
Delete Sweep Definition
1. Select the Company that has the sweep you would like to delete.
2. In the Current Sweep(s) section of the screen, check the Select box next to
all sweep definitions that are to be deleted.
3. Click the Delete button. A dialog box appears, prompting for confirmation.
4. Click OK to perform the delete, or click Cancel to leave all of the sweep
definitions unchanged.
Wire Transfer
Wire Transfer
The Wire Transfer service allows you to move funds between accounts within
different financial institutions. Transfers can be scheduled for the current day or
(if applicable) a date in the future. Pending transfers can be reviewed and
deleted.
Note: If your financial institution supports foreign currency transactions, always
use US dollars in the dollar amount field. The exchange rate process is
managed by the financial institution and since your account is in US dollars, it
will always be debited the US dollar amount. The financial institution's wire
operations area will manage the exchange rate conversion.
The length of time a transfer appears on the various activity screens depends
upon the wire status. The table below outlines the default display conditions and
the date range availability using the date selection tool:
Screen
Incoming
Wires
Category
Default
"From"
Today
12:00am
Default
"To"
Date
Range
"From"
Date
Range
"To"
Wire Status
Today
23:59pm
Displays
up to 10
previous
Today
Processed
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Commercial Customer Platform 5.1 User Guide
calendar
days
Transfer
Activity
&
Transfer
Admin
Activity
Pending
Denied
Sent
Oldest value
dated wire
with a status
listed in the
Wire Status
column
Today
plus 30
calendar
days
into the
future
N.A.
N.A.
*Pending
*Resubmit
Oldest value
dated wire
with a status
listed in the
Wire Status
column
Today
plus 30
calendar
days
into the
future
N.A.
N.A.
*Denied
Displays up
to 10
previous
calendar
days
Today
plus 30
calendar
days
into the
future
Displays
up to 10
previous
calendar
days
Today
plus 30
calendar
days
into the
future
Received,
Delete,
Deleted by
FI,
Downloaded
Processed
* Wires in this status will remain in the wire database indefinitely. For wire
statuses that do not have an asterisk, retention period is 10 calendar days.
There is no restriction on dates that can be entered in the "From" and "To" date
range fields. Transactions displayed are based upon the value date of the wires
within the retention period.
A Word About Daily Transfer Limits
The financial institution may set daily transfer limits for its commercial
customers, and each company administrator may set daily transfer limits for that
company’s end users. As wire transfers are submitted to the financial institution,
the online banking system keeps track of the daily limits and transfer totals.
If your company exceeds the limit set by the financial institution, you must
contact the financial institution and request an extension of the limit in order to
continue.
If the end user exceeds the limit set by the company administrator, the system
checks the over-limit rules specified for your company. If the restrict option is
checked, the user cannot initiate a transfer. If the require approval option is
checked, the system marks the status as "Pending" and allow the transfer if it is
subsequently approved by the company administrator or a wire administrator.
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Initiate Template
Adding a wire transfer with a predefined template is a straightforward process.
However, you must have set up a template beforehand, specifying all the
necessary information for the beneficiary that is to receive the transfer. For
details, see Maintain Templates. For details on how to set up and add a wire
transfer without using a template, see Initiate Freeform.
Note: If you select a template where the debit account is no longer available
(meaning that the account was closed or access was removed by your financial
institution), the From Account field will be blank. If you try to initiate, you'll get
an error message; the remedy is to go to Wire Transfer> Maintain Template
option and choose another debit account for the template.
To display the initiate template screen:
Rest the cursor on the Payments & Transfers main menu and then click
Initiate Template under the Wire Processing menu group. The Initiate
Template screen displays.
1. Select a wire transfer template from the Template Name drop-down list. The
list is populated with all approved templates. When you select a template,
the From Account field is filled automatically.
2. (Optional) Alter the telephone number in the Contact Phone field. The
Contact Name and Contact Phone fields are pre-filled with the data from
your login, but you can change the phone number if needed.
Tip: If a template is missing from the list, it may be in Pending status, awaiting
approval after a recent modification. You can check on the template’s status if
you have access to the Approve/View Template function.
3. Enter the amount of the transfer in the Amount field. If your financial
institution supports foreign currency exchange, the currency code (specified
in the Wire Template) will be displayed.
4. (Optional) Change the date in the Value Date field. This is the date on which
the Funds Transfer is to occur; the Value Date cannot be in the past and
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Commercial Customer Platform 5.1 User Guide
must be no more than 30 calendar days into the future from today’s date
and must be a business day.
5. (Optional) Enter a brief message in the Message to Beneficiary field.
6. Review all of the information and verify that it is correct. If necessary, you can
click the Reset button to clear all of the fields.
7. Click the Initiate button to submit the transfer. Please keep in mind that most
financial institutions have a daily cutoff time for wire transfers.
Note: If the restrict option is enabled and a wire transfer exceeds either the
company limits or the end user limits, the user will not be able to initiate the
transfer. Also, your financial institution may specify that approval is required on
all wire transfers, regardless of any defined limits. If approval is required (for
any reason), a message will display on the screen with further instructions.
Note: If tokens are enabled for this customer for Wire Transfer and Approval is
not required, you will be asked to enter a Security Code on the Initiate Template
Review screen.
To check on the status of the submitted Wire Transfer, click View Transfer
Activity option on the Payments & Transfers menu.
Initiate Freeform
The Initiate Freeform function accomplishes exactly the same function as the
Initiate Template. However, Initiate Freeform does not require the use of a
wire template. Instead, it allows you to fill in all of the information that otherwise
would reside in the template.
Most financial institutions use an ABA number as their only routing type. The
online banking system provides a search mechanism to let you look up ABA
numbers. If your financial institution supports other ID types (e.g., SWIFT or
CHIPS), the drop-down list on this screen will offer these choices.
Please note the Receiving Bank and Intermediary Bank sections are optional
and are displayed by clicking on the "+" symbol which expands the section.
See Using the ABA Search Feature for details.
To initiate a freeform transfer:
Rest the cursor on the Payments & Transfers main menu and then click
Initiate Freeform under the Wire Processing menu group. The Initiate
Freeform screen displays.
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1. Select a Company to populate the Debit Account drop-down list.
2. Fill in the required fields in the Transfer Details section: Select the Debit
Account from the drop-down list. The account list is populated according to
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the Company selected. Enter the Amount to be transferred and the
Currency Code (if applicable).
Note: If your financial institution supports foreign currency transactions, always
use US dollars in the dollar amount field. The exchange rate process is
managed by the financial institution and since your account is in US dollars, it
will always be debited the US dollar amount. The financial institution's wire
operations area will manage the exchange rate conversion.
3. (Optional) Edit the Value Date, if applicable.
4. (Optional) Enter a brief message in the Message to Beneficiary field.
(Originator to Beneficiary Information).
5. In the Beneficiary Information section, enter the Beneficiary Name and
Account information, Beneficiary Bank Name and ID Number (ABA,
CHIPS). If the Beneficiary Bank identifier is a non-ABA -- if it's SWIFT, DDA
or CHIPS -- then the Receiving Bank information is required.
Note: If your financial institution has enabled the 'Require Beneficiary Address'
option, then Address 1, City and State are also required.
6. The Receiving Bank and Intermediary Bank sections are optional and are
displayed by clicking on the "+" symbol which expands the section. The
Receiving Bank ID must be an ABA number if Fedwire is being used.
7. Review all of the information and verify that it is correct. If necessary you can
click the Reset button to clear all of the fields.
8. Click the Initiate button to submit the transfer. Please note that most financial
institutions have a daily cutoff time for wire transfers.
Note: If the restrict option is checked and a wire transfer exceeds either the
company limits or the end user limits, the user will not be able to initiate the
transfer. Also, your financial institution may specify that approval is required on
all wire transfers, regardless of any defined limits. If approval is required (for
any reason), a message will display on the screen with further instructions.
Note: If tokens are enabled for Wire Transfer, and Approval is not required, you
will be asked to enter a Security Code on the Initiate Freeform Review screen.
To check on the status of the submitted Wire Transfer, click the View Transfer
Activity button below the Payments & Transfers menu.
Using the ABA Search Feature
1. Click the Search button next to one of the ABA/Routing Number fields. A
secondary browser window appears.
2. Type one or more keywords in the Term(s) field and click the Search button.
The search usually takes less that a minute, but will vary depending on
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network conditions and also on how many matches the system finds. The
results returned are those institutions whose database records contain the
keywords specified.
Note: The ABA Search uses a "Soundex" type of search (i.e., it attempts to find
approximate matches based on probable pronunciation). It's tolerant of spelling
errors and it looks at both the bank name and the city.
3. If matching terms are found, the Search window is updated with a table of
financial institution names and data.
4. Click the ABA number of the desired financial institution. The system will
close the Search window and copy that ABA number into the input field from
which you started the search. (It also copies the name, city and state to the
corresponding fields.)
You can sort the table by the data in any column. Click the up or down arrows in
the column header cells for ascending or descending sorts.
You can print the table by clicking the Print button at the top of the window, or
close it by clicking Cancel.
Initiate Template Group
The Initiate Template Group function lets you submit a Wire Template Group
for processing. This is equivalent to submitting each of the templates in the
group individually but is far more convenient, especially if you have recurring
transfers.
In order to use this function, you must have defined at least one Wire Template
Group beforehand. A template group definition is essentially a subset of your
defined wire transfer templates with some saved (but modifiable) initial values.
For details, see Maintain Template Groups.
To initiate a template group:
Rest the cursor on the Payments & Transfers main menu and then click
Initiate Template Group under the Wire Processing menu group. The
Initiate Template Group screen displays.
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1. Select the desired group from the Template Group drop-down list. The
screen shows all of the templates that are in the group definition; you can
sort the display by clicking the up and down arrows in the Template Name,
Value Date, Amount and Message column headers.
You can see the details for any template by clicking the magnifying glass in
its Details column. When you do this, the system opens a secondary
browser window with a simplified, read-only version of the data defined in
the template.
2. Check the Select box for each template that you want submitted with the
group. For convenience, you can check the Select All box to select all of the
templates.
3. (Optional) Review the Value Date field for each template that is to be
submitted and edit the dates if necessary.
Note: If using Value Date, each wire transfer must follow the same Value Date
rules as if it were submitted alone, but there is no requirement that a group’s
value dates be synchronized. Any or all of the templates in a group may have
different value dates, as long as each one is valid.
4. Review the Amount field for each template that is to be submitted and edit
the values if necessary. The system pre-fills these fields with the values
from the templates, but they can be altered here (subject to your user limits
and company limits).
5. Review the Message field for each template that is to be submitted and edit
the messages if necessary. The system pre-fills these fields with the values
from the templates, but they can be altered here.
6. If you need to start over with the initial values, click Reset. Once the group is
set up to your satisfaction, click Initiate to submit all of the selected
transfers.
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Note: If tokens are enabled for this customer for Wire Transfer, and Approval is
not required, you will be asked to enter a Security Code on the Initiate Template
Group Review screen.
Incoming Wire Transfers
This feature is wire interface dependent. The Incoming Wire Report displays
all incoming wire transfer activity. This feature serves as an advice that funds
have been received via Wire Transfer. The information contained within an
advice is simply a notification of the transfer and does not require or cause any
action to occur. This feature also provides the capability to view or delete
transfer notifications.
To display the Incoming Wire Report screen:
Rest your cursor on the Payments & Transfers main menu option and
then select the View Incoming Wire Report option under the Wire
Processing menu group. The Incoming Wire Report appears.
The wire transfer activity displayed defaults to the current day. If there is no
activity for the current day, a message appears notifying the user. If incoming
transfers were expected and are not displayed on-screen, please check the
date range displayed. You may need to modify the date range to include dates
other than the current day.
Select a Different Date or Range of Dates
To change the date range displayed:
1. Enter or use the calendar icon to select a new From Date/Time and a
new To Date/Time. Dates are required but entering times is optional.
2. Click the Submit button. All wire transfers falling within the specified
date range are listed.
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View and Print Incoming Wire Details
Details for an individual transfer are displayed by clicking on the Details icon to
the right of the entry. You can also select specific wires and view their detail
information in a list format.
To view and print selected wires:
1. Check the select box for each wire transfer to include, or check the
Select All box.
2. Click the View Details button. A pop-up window appears with the
incoming wire detail Information.
3. Click the Print button to print the report.
Delete Incoming Wires
You can manually delete an incoming wire prior to the normal 10-day aging.
Any wires left on the list for 10 days will be automatically removed from the
system.
To delete a wire manually:
1. Check the select box for each wire transfer to delete, or check the
Select All box.
2. Click the Delete button.
Approve/View Wire Activity
The Approve/View Wire Activity screen displays all pending, denied and completed
transfers for the last ten calendar days, and provides you with the ability to approve,
delete or deny pending transfers. You must be a designated company administrator
or wire administrator to use this function.
To display the Approve/View Wire Activity screen:
Rest your cursor on the Payments & Transfers option on the main menu
and then click the Approve/View Wire Activity option under the Wire
Transfer group. The Approve/View Wire Activity screen appears.
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This screen has three separate sections, Pending Wires, Denied Wires and
Sent Wires, all of which may be expanded and collapsed by clicking the "+"plus
and "-" minus icons.
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You can sort the information in each section by clicking the up or down arrows
in the column headers. Click the magnifying glass in the Details column to see
full transfer details in a secondary browser window. The new window shows
data specific to the selected transfer, in a simplified, read-only format similar to
the Maintain Template screen.
The Pending Wires section shows all wire transfers that are currently in the
system but have not yet been sent to the financial institution for processing. The
system automatically flags your wire transfers for pending status if you exceed
your per-transaction or daily user limit, or if your company’s financial institution
requires administrator approval on all wire transfers. If you have company or
wire administrator status, you can approve, delete or deny wire transfers from
this screen.
The Denied Wires section shows all completed wire transfer activity for the
past ten calendar days along with a brief message explaining the denial.
The Sent Wires section shows all completed wire transfer activity for the past
ten calendar days, this includes wires that have been received or deleted. You
can click the magnifying glass in the Details column to see all of the data for
any completed transfer. Sent Wire items are view-only – they represent
completed transactions, so there are no options for approval, deletion or denial.
You may view the details for sent wires by clicking the checkbox next to the
transactions (or checking the Select All Wires option) and clicking the List
button.
Performing Administrative Tasks for Pending Wires
Click the Select check box next to the wire(s) that you want to update and Do
One of the Following. For convenience, you can click the Select All box to
select all of the wires in the table, or click Reset to return all settings to their
saved values.
1. Click the Approve button to send the wire transfer(s) to the financial
institution for processing.
Note: If Token Challenge is enabled for Wire Transfer, and Approval is
required, upon selecting the approve action you will be asked to enter a
Security Code on the Approve Wire Review screen.
2. Click the Delete button to remove the wire transfer(s) without
processing. Deleted wires will appear in the Sent Wires section with a
status of Deleted.
3. Fill out the Deny Wire message and click the Deny button to send it
back to the originator for modification and re-submittal.
When deciding what to do with a pending transfer, remember that you can click
the magnifying glass in the Detail column to display the wire transfer details in a
separate browser window.
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View Wire Activity
The Wire Activity screen shows all of your pending, denied and sent wire
transfer activity for the past ten calendar days. (The system filters wire transfer
activity based on your user ID.) All end users with wire transfer privileges may
view the system’s records of their wire transfer activity.
To display the Wire Activity screen:
Resting your cursor on the Payments & Transfers main menu, select the
View Wire Activity option below the Wire Processing menu group. The
Wire Activity screen appears.
You can sort the information in each section by clicking the up or down arrows
in the column headers. Additional information about the wire can be viewed by
clicking on the magnifying glass in the Details column. This displays full
transfer details in a secondary browser window in a simplified, read-only format
and allows for easy printing.
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The Modified Fields column indicates fields whose values were changed to
override the values defined in the Wire Template. (This column’s entry is always
blank for Freeform transfers.)
Note: The Denied Wires table appears only if there is at least one wire transfer
with a Denied status. You can review denied wires and resubmit them for
processing.
Approve Template
If your financial institution’s Wire Transfer security settings do not require wire
approval under any conditions, this option will not appear in the Wire Transfer
sub-menu options.
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If your financial institution’s Wire Transfer security settings require wire
approval, an administrator must approve templates before they can be used.
Each template is assigned a status of Pending when it is first created and
whenever it is modified. Company administrators and wire administrators can
use this screen to review and approve or deny pending templates. (If a template
is denied approval, the originator can make changes and resubmit it.)
To display the Approve Template screen:
Rest your cursor on the Payments &Transfers option and then click the
Template Approval option under the Wire Transfer group. The Approve
Template screen displays.
For any template, click the magnifying glass in the Details column to see full
details in a secondary browser window. The new window shows template data
in a simplified, read-only format similar to the Maintain Template screen.
After reviewing the templates, you can approve or deny them. Check the Select
box next to each template that you want to approve and click the Approve
button; check the Select box next to each template that you want to deny and
click the Deny button.
After a template is approved, it may be used throughout the Wire Transfer
service. After a template is denied, the originator (the user who created or most
recently modified the template) can make further changes and resubmit the
template for approval.
Maintain Template
A template is required for each non-freeform wire transfer. The system is
designed to store these templates so that you can save time by defining them
once and reusing them later.
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Note: If your financial institution supports foreign currency transactions, always
use US dollars in the dollar amount field. The exchange rate process is
managed by the financial institution and since your account is in US dollars, it
will always be debited the US dollar amount. The financial institution's wire
operations area will manage the exchange rate conversion.
•
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Rest your cursor on the Payments & Transfers option on the main
menu and then click Maintain Template. The Maintain Template
screen displays.
Commercial Customer Platform
•
•
Select a Company to populate the Debit Account drop-down.
You can select a Saved Template, Add New Template or List all
templates.
Create a New Template
1. Clicking the Add New button clears fields so you can create a new template.
2. Enter the name of the new template in the Template Name field.
3. In the Transfer Details section, select a Debit Account from the drop-down
list. The debit account list is populated based on the Company selected
above.
4. Enter the Amount, Currency (if applicable) and Message to Beneficiary
(optional) fields.
5. Complete the Beneficiary and Beneficiary Bank sections by entering
Beneficiary Name and Account Number, Beneficiary Bank Name and
identifier (ABA,SWIFT, DDA drop-down). Note: if bank ID is not an ABA,
then a Receiving Bank is required.
6. (Optional) Fill in any or all of the remaining fields in the Beneficiary and
Beneficiary Bank sections.
Note: If your financial institution has enabled the 'Require Beneficiary
Address' option, then Address 1, City and State are also required.
7. (Optional) Fill in the fields in the Receiving Bank and Intermediary Bank
sections.
8. Click the Add button. The new template is stored using the name in the
Template Name field.
If your financial institution’s Wire Transfer security settings require approval
before using new or updated templates, the new template is assigned a status
of Pending. If this is the case, a company administrator or wire administrator
must approve the new template before it can be used.
Update a Template
1. Select the Template Name from the drop-down list. The selected template’s
information appears on the screen.
2. Make any necessary changes. Click the Reset button at any time if you need
to restore all of the fields to their previously saved values.
3. Click the Update button.
If your financial institution’s Wire Transfer security settings require approval
before using new or updated templates, the updated template is assigned a
status of Pending. If this is the case, a company administrator or wire
administrator must approve the updated template before it can be used.
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Delete a Template
1. Select the template from the drop-down list. The selected template’s
information appears on the screen.
2. Verify that the correct template is selected.
3. Click the Delete button. A dialog box appears, prompting for confirmation.
4. Click the OK button to confirm, or click Cancel to leave the template
unchanged.
Maintain Template Group
The Maintain Template Group function lets you create, modify and delete
template groups. Template groups are named collections of predefined wire
transfer templates that are bundled for convenience. A typical use for a
template group is to collect together several templates that are usually initiated
at or around the same time on a recurring basis (e.g., suppliers’ bills that are
paid via wire transfer on the same day every month).
Note: If a wire template that is part of a group is modified then that template will
disappear and not be part of the group if it requires approval. The template will
re-display when it gets approved.
To display the Maintain Template Group screen:
Rest your cursor on the Payments & Transfers main menu and select the
Maintain Template Group option under the Wire Transfer group. The Maintain
Template Group screen appears.
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The table shows all available templates. To add a template to the group, check
its select box. For convenience, click the Select All box to select or deselect all
templates at once.
For any template, click the magnifying glass in the Details column to see full
details in a secondary browser window. The new window shows template data
in a simplified, read-only format similar to the Maintain Template screen.
Note: When initiating a template group, the user can opt to leave some
templates out of the group transfer. Also, the user can alter the transfer amount
and message on any or all of the templates before submitting the transfers for
processing.
Create a New Template Group
1. Click the New button and the Edit Group Name label changes to Enter New
Group Name and the button below changes from Update to Add.
2. Enter a name for the new template group.
3. Check the select box for each template that you want to include in the group.
4. Click the Add button.
Note: If your financial institution has enabled the 'Require Beneficiary
Address' option, then Address 1, City and State are required in the wire
template.
Update a Template Group
1. Select the group from the drop-down list.
2. Set the Select check boxes as desired. If necessary, click the Reset button
to restore all of the settings to their previously saved values.
3. (Optional) Rename the group by entering a new name in the Edit Group
Name field below the drop-down list.
4. Click the Update button.
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Note: When modifying a template group, if your financial institution has
enabled the 'Require Beneficiary Address' option, then Address 1, City and
State are required in the wire templates.
Delete a Template Group
1. Select the group from the drop-down list.
2. Click the Delete button.
List All Groups
1. Click the List All Groups button to display all template groups
Exchange Rates
The Exchange Rates function lets you review the foreign currency exchange
rates table. You should use these exchange rates for reference when initiating
international wire transfers. This screen is for viewing only; the values are
maintained by your financial institution.
To display the Exchange Rates screen:
Rest the cursor on the Payments & Transfers main menu and then click View
Exchange Rates under the Wire Processing menu group. The Exchange
Rates screen displays
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.
The table shows one row of data for each type of currency. Each row specifies
the Country of origin, Currency Unit (name) and the three-letter Currency
symbol, plus the buy and sell rates for small and large orders.
Request Wire Investigation
The Request Wire Investigation function lets you send an email request to
your financial institution for information about any wire transfer that you sent in
the last two years.
To display the Request Wire Investigation screen:
Rest the cursor on the Payments & Transfers main menu and then click
Request Wire Investigation under the Wire Processing menu group. The
Request Wire Investigation screen displays.
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The Company drop-down selection will populate the Account drop-down with
accounts tied to that company.
You must give contact information for yourself, complete information about the
wire transfer (originating account, amount, recipient and date) and also you
must state what action is to be taken.
Fill out all of the required fields and click Send. Your financial institution will
receive the request and should contact you.
Wire Transfer Detail
The Wire Details screen allows you to review the field specific details of a wire
transfer or template .
To display the Wire Transfer Detail screen, select the magnifying glass from
the Approve/View Wire Activity screen, View Wire Activity screen, Approve
Template screen or Maintain Template Group screen.
Note: The population and display of some of the wire information fields is
dependent on the level and stage of processing of the wire transfer or template.
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ACH (Automated Clearing House Origination)
ACH Example
We’ll use net payroll origination as a simple example to show how ACH is used.
First, the employees within a company are added as participants, using the
Maintain Participant screen.
Next, a template is created using the Maintain Batch Template screen. It is
possible that more than one template would be used. For example, if you want
separate processing for exempt and non-exempt employees.
Now that there’s a template and a set of participants, you can set up an ACH
batch by using the Assign Participant to Batch screen to add transactions (i.e.,
participants, with account info and dollar amounts) to the template.
The ACH batch is inactive until it is Initiated and the ACH file is created.
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To process the net payroll amounts, select the template on the Initiate Batch
screen, and then review all of the transactions and specify an effective date.
When you are satisfied that the information is correct, you submit the batch.
What happens next depends on whether the financial institution is running a
manual processing system or an automated system.
·
Manual: The online banking system creates an ACH file immediately,
and then sends an email message to the financial institution, indicating
that an ACH file has been submitted for their approval and subsequent
processing. The financial institution manually downloads the file,
evaluates and processes it. If you are required to prefund your ACH
credit batches, the batch will be pending at your financial institution until
funds are verified and a financial institution Administrator has approved
the batch.
·
Automated: The ACH batch transactions stay in the database until the
scheduled "collection" job occurs. The scheduled job collects all
approved ACH transactions from the database, creates a file and
transmits it to the financial institution’s real-time ACH server. If you are
required to prefund your ACH credit batches, the batch will be pending
at your financial institution until funds are verified and a financial
institution Administrator has approved the batch.
Initiate ACH Batch
The Initiate ACH Batch function lets you set up an ACH batch and submit it for
processing.
To display the Initiate ACH Batch screen:
Rest your cursor on the Payments & Transfers menu and then select the
Initiate Batch option under the ACH Processing group. The Initiate ACH Batch
screen appears.
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Initiating a Batch
•
1. From the Template Name drop-down list, select the batch template that
you want to initiate. The ACH Class, Total Batch Debits and Total Batch
Credits display for that template.
2. Edit the effective date in the Effective Date field, using mm/dd/yyyy
format, or the calendar icon. You may enter a date up to 30 days in the
future and it must be a business day. Please note the effective date
defaults to the next processing day.
3. If desired, edit the batch data for any or all participants in the participants
table. (The edited information will be used for this batch only.)
4. For each participant, you can:
•
•
Check the Hold box to omit the participant from this batch
•
Change the Amount value
•
Change the Prenote setting
•
Edit the Addenda message
•
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5. If you have started making changes but cannot complete them or cannot
submit the batch immediately, click the Save button. The batch will be
saved in its current state, and later on you can go into the Update Batch
function to complete your editing and submit the batch.
6. Click the Initiate button to create the file. An email message is
automatically sent to the financial institution indicating that an ACH file has
been submitted for their approval and subsequent processing.
7. Click the Reset button at any time to reset all fields to their previously
saved values. Note, you can sort the table by clicking the up and down
arrows in any of the column headers.
Note: If the restrict initiation option is selected, an ACH batch that exceeds
either the company limits or the end user limits will be prevented. Also, your
financial institution may specify that approval is required on all ACH submittals,
regardless of any defined limits.
Note: If you are enabled for ACH Prefunding you must initiate unbalanced
batches.
ACH Initiation/Send Credit and Debit Limits
•
Daily Limit (credit): Specifies the maximum daily amount the user can
initiate for ACH Credit origination files.
•
Daily Limit (debit): Specifies the maximum daily amount the user can
initiate for ACH Debit origination files.
•
Limit Per Batch (credit): Specifies the maximum Credit amount of funds
the user can transfer in any single ACH Batch.
•
Limit Per Batch (debit): Specifies the maximum Debit amount of funds
the user can transfer in any single ACH Batch.
•
Daily Limit Used (credit): Specifies the amount of your daily ACH Credit
limit that has been used for the day.
•
Daily Limit Used (debit): Specifies the amount of your daily ACH Debit
limit that has been used for the day.
If approval is required (for any reason), a message will display on the screen
with further instructions.
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Note: If a Token Challenge is enabled for ACH, and Approval is not required,
upon selecting the initiate action you will be asked to enter a Security Code on
the Review ACH Batch screen.
Update ACH Batch
The Update ACH Batch function lets you make changes to ACH batches with a
saved or deleted status.
An ACH batch is eligible for editing if:
•
An Administrator denied the batch,
•
It was saved during an editing session in the Initiate Batch function, or
•
You are required to prefund your credit batch and the batch has been
Denied by a financial institution administrator.
To display the Update ACH Batch screen:
Rest your cursor on the Payments & Transfers menu option and then
select the Update Batch option listed under the ACH Processing group.
The Update ACH Batch screen displays.
The Template Name drop-down list contains all batches that are eligible for
editing. When you choose a batch from this list, the screen is populated with the
batch data. If you are required to prefund batches, balanced templates that
were created prior to prefunding enablement will fail upon initiation.
This function provides the same editing options for batch data as does the
Initiate Batch function. After editing, you can click the Save button to save the
batch in its current state (its status will be changed to Saved, but the altered
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data will be retained) or you may click Initiate to submit the batch for
processing.
You can delete the selected batch by clicking the Delete button. Be careful
when using this option! The deleted batch cannot be recovered later, so any
manually edited data will be lost permanently.
Note: If you are enabled for ACH Prefunding you must initiate unbalanced
batches.
ACH Initiation/Send Credit and Debit Limits
•
Daily Limit (credit): Specifies the maximum daily amount the user can
initiate for ACH Credit origination files.
•
Daily Limit (debit): Specifies the maximum daily amount the user can
initiate for ACH Debit origination files.
•
Limit Per Batch (credit): Specifies the maximum Credit amount of
funds the user can transfer in any single ACH Batch.
•
Limit Per Batch (debit): Specifies the maximum Debit amount of funds
the user can transfer in any single ACH Batch.
•
Daily Limit Used (credit): Specifies the amount of your daily ACH
Credit limit that has been used for the day.
•
Daily Limit Used (debit): Specifies the amount of your daily ACH Debit
limit that has been used for the day.
If approval is required (for any reason), a message will display on the screen
with further instructions.
Note: If Token Challenge is enabled for ACH, and Approval is not required,
upon selecting the initiate action you will be asked to enter a Security Code on
the Review ACH Batch screen.
Re-presented Check
The Re-presented Check Entry, a.k.a. 'RCK' feature allows you to submit RCK items
that have been returned because of insufficient or uncollected funds. Note that RCK
initiated batches will be added to the Approve/View ACH Activity screen pending
'Approval'.
To display the Re-presented Check screen:
Rest your cursor on the Payments & Transfers menu option and then select the
Re-present Check option under the ACH Processing group. The Select Represented Check Batch page displays with a table of Saved Batches and the
option to add a new check batch.
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Saved Batches will display a status of Denied or Saved. Denied RCK items can only
be edited and resubmitted from the Re-presented Check screen. You may edit or add
new RCK items from a Saved RCK batch, and then initiate for processing.
The Saved Batches section will also display the Payee and Company to which the
Offset Account is associated.
Adding a New Check Batch
To add a new check batch (enter a new check to re-present), click the Add New Batch
button above the Saved Batches table. This displays the Re-presented Checks screen
which is designed to resemble a check. This data entry screen will allow you to add
multiple RCK entries to a batch, maintain existing entries, and save work to return to for
future modifications.
Adding a Re-presented Check requires:
• The name of the party who issued the check (may not be a consumer)
• The check number
• The original date of the check
• The amount
• The issuing party's account number and routing number
Enter this information into the fields on the check image. When finished, click the Add
button. The entry information will display in the Re-presented Check Batch Details for
Batch ID #### below the check image.
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Re-presented Check Batch Details requires:
• The Date to Re-present
• Pay To (ACH ID from drop-down list)
• Offset Account number (if applicable)
Each Batch ID may contain up to 10 Re-presented Check items.
You can view the details of any RCK item by selecting the check number hyperlink
displayed in the table.
If you are required to prefund, you will not have the Offset Account field.
The offset account will appear in the ACH ID as associated by your Company
Administrator in conjunction with your financial institution. If you do not see the
appropriate ACH ID and account number, please contact your Company Administrator
or your Financial Institution Administrator.
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•
•
•
Daily Limit: Specifies the maximum daily amount the user can initiate for ACH
Debit origination files.
Batch Limit: Specifies the maximum debit amount of funds the user can transfer
in any single ACH Batch.
Daily Limit Used: Specifies the amount of your daily ACH debit limit that has
been used for the day.
Note: If a Token Challenge is enabled for ACH, and Approval is not required,
upon selecting the initiate action you will be asked to enter a Security Code on
the Review Re-presented Check screen.
Send ACH File
The Send ACH File function allows you to send a complete ACH file to your financial
institution. Note that batches contained within the uploaded file will be stored the same
as initiated, and added to the system pending ‘Approval'.
To display the Send ACH File screen:
Rest your cursor on the Payments & Transfers menu and then select the
Send ACH File option under the ACH Processing group. The Send ACH File
screen displays. The Company drop-down list displays at the top of the page.
Select the company, if applicable.
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You must have the ACH file available either on a local drive or on a networkaccessible drive.
If you know the full pathname of the file, type it in. For convenience, click the
Browse… button to open a standard Windows dialog box that allows you to
search your local and network drives to locate the file.
Note: Uploaded ACH files are subject to the same limit requirements as ACH
batches. Unbalanced files cannot be uploaded unless the financial institution
enables this feature.
Pre-Validation Process:
• Verifies the daily credit/debit limits for the company and/or user has not
been exceeded.
• Verifies the ACH file contains balanced batch(es), if applicable.
• Verifies the ACH Batch(es) has a valid effective date.
• Verifies that the business user has access to the offset account in the
ACH file (if applicable).
• Verifies that the Company tied to the file's offset account is selected (if
applicable).
ACH Initiation/Send Credit and Debit Limits
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•
Daily Limit (credit): Specifies the maximum daily amount the user can
initiate for ACH Credit origination files.
•
Daily Limit (debit): Specifies the maximum daily amount the user can
initiate for ACH Debit origination files.
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•
Limit Per Batch (credit): Specifies the maximum Credit amount of funds
the user can transfer in any single ACH Batch.
•
Limit Per Batch (debit): Specifies the maximum Debit amount of funds
the user can transfer in any single ACH Batch.
•
Daily Limit Used (credit): Specifies the amount of your daily ACH Credit
limit that has been used for the day.
•
Daily Limit Used (debit): Specifies the amount of your daily ACH Debit
limit that has been used for the day.
If approval is required (for any reason), a message will display on the screen with
further instructions.
If the ACH file passes the pre-validation process, the user will be presented with a
verification screen showing the Credit/Debit Totals, Number of Entries,
Effective date and the Number of Batch(es).
Note: If Token Challenge is enabled for ACH, and Approval is not required,
upon selecting the upload action you will be asked to enter a Security Code on
the Send ACH File Verification screen.
Once the user submits the ACH file to be completed, the user will be presented
with a confirmation message with a Reference Number.
The user will be able to view the status of the Reference Number via the View
ACH Activity or View/Approve ACH Activity screen.
Should the ACH file fail during the backend validation, the system will generate an
email to the user informing them that the file send failed. The user will be able to
view the details of the error on the View ACH Activity or View/Approve ACH
Activity screen by selecting the Reference Number hyperlink.
Note: The error screen shows full line-by-line details of up to fifty errors. (Keep
in mind that some errors will "cascade" and cause numerous others to appear.
Fixing that first error will often clear up many subsequent errors, so always look
at the leading entry first.)
The Reference Number is not the Batch ID Number. The Batch ID's can be viewed
by selecting the Reference Number hyperlink on the View ACH Activity or
View/Approve ACH Activity screen.
Note: If you are enabled for ACH Prefunding, you must upload unbalanced
batches. The 'Balanced ACH File' checkbox and label will not appear on the
'Send ACH File' screen. It is also recommended that you upload single batches,
not multiple batches. Uploaded files must contain all credit or all debit unbalanced
batches. Mixed batches will fail.
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If the Balanced ACH File checkbox is selected, the Company drop-down menu
will appear. This will allow you to select the company that the file's offset account
number is associated with. You can confirm the company/account number
association on the Account Summary screen. If the file's offset account number is
not associated with the selected company, you will receive an error message
stating that the system could not locate any company account data.
Import ACH Data
The Import ACH Data function allows you to create new or update existing Batch
Templates and Participant records using a file created by another application. You may
import a Standard ACH file (formatted to NACHA specifications) to add new batches to
the system.
The Import ACH Data function may also be used to update existing batch templates and
participates based on criteria defined in Delimited Map or Fixed Map instructions used
when importing text files created by another application.
To display the Import ACH Data screen:
Select the ACH option on the Funds Transfer menu and then click Import ACH
Data. The Import ACH Data screen appears.
The Standard ACH map type is pre-defined based on NACHA file format and
does not require you to develop the map layout. You will need to select a
Company that the file's offset account is associated with. If the offset account
number included in the file does not match any of the selected company accounts,
the Offset Account field for the template will not have an account selected.
Note: If you are enabled for ACH Prefunding, you must import unbalanced
batches. If importing a balanced batch, the offset account will be removed.
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Delimited and Fixed ACH Map types allow you to define the file layout so the
Import process can identify the structure and intent of the file being imported.
Import file layout definitions are stored and maintained as ACH Import Maps.
Delimited Map – Use this map type to define the delimiter and where each piece
of the participant’s data is located in the file.
Fixed Map – Use this map type to define the start and end positions of the
participant’s data within the file.
You must have the ACH file available either on a local drive or on a networkaccessible drive.
If you know the full pathname of the file, type it in. For convenience, click the
Browse… button under 'File Selection' to open a standard Windows dialog box
that allows you to search your local and network drives to locate the file.
The Map Type selected under Batch/Process Mode Selection section must
match the appropriate map type selected/defined in the Map Selection section.
Under the Batch/Process Mode Selection section select the appropriate Batch
Template the import should affect.
NOTE: For Add, Update and Delete Maps you must perform the import twice:
• Import Delimited or Fixed file as an Add Only and select the appropriate
Batch Template the import should affect.
• Import Delimited or Fixed file as a Delete and Update and select the
appropriate Batch Template the import should affect.
Importing an ACH File
1. If you know the full pathname of the file, type it in. For convenience, click
the Browse… button to open a standard Windows dialog box that allows
you to search your local and network drives to locate the file.
2. For Standard ACH map, you will need to select a Company that the file's
offset account is associated with. If the offset account number included in
the file does not match any of the selected company accounts, the Offset
Account field for the template will not have an account selected.
3. Click the Import button. The system validates the ACH file.
If the file validation is successful, the screen displays a summary of the ACH
data in the file: for each batch, there are dollar amounts for credits and
debits, and also a count of participants.
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If the file validation fails, the screen displays a line-by-line listing of the file
contents and an error message explaining why the line was found to be
invalid.
4. If validation was successful: click Submit to perform the import and create
the new records, or click Cancel to leave everything unchanged.
If validation failed: edit the ACH file to fix the invalid entries. One error
often cascades, inducing other errors, so you probably should fix only the
items called out on the first invalid line and then try the import again. You
can repeat this process until the file validates correctly.
Note: Import Jobs must be approved from the ACH Activity and/or ACH
Admin/Approval Activity screens. To view the Import Job click on the
Hyperlink of the File Name under the Pending Delimited/Fixed Import ACH
Jobs section to preview/approve the Import Job.
Note: The Import process does not initiate the ACH Transaction. Once the
Import process has been completed the ACH transaction must be initiated
from the 'Initiate ACH Batch' screen.
Delimited ACH Map
Creating a Delimited ACH Map allows the user to define the file layout so the Import
process can identify the structure and intent of the file being imported.
To display the Delimited ACH Map screen:
Rest your cursor on the Payments & Transfers menu and then select the Import
ACH Data option under the ACH Processing group. The Import ACH Data page
displays. To the right of the page will be two links -- Create New Fixed Map and
Create New Delimited Map. Click the Create New Fixed Map link.
The Delimited ACH Map screen displays.
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The Delimited ACH Map function allows you to define the delimiter and where each
piece of the participant’s data is located in the file.
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Click on the Map Type option drop-down menu and select the appropriate action for the
file being imported:
•
•
•
•
•
Add Only – This option allows the user to add participant records to the
participant table and assign participant records to the user selected existing
batch template.
Update Only – Based on matching criteria, this option changes any participant
records that exist in the participant table with fields from the imported file.
Add and Update – This is a combination of the ‘Add Only’ and ‘Update Only’
processing modes.
• The ‘Add’ process adds participant records to the participant table and
assigns participant records to the user selected batch template.
• The ‘Update’ process employs a user selected matching criteria to locate
participant records that exist in the selected batch template. The records
will be changed using the update fields from the imported file.
Delete and Update – This is a combination of the ‘Delete’ and ‘Update Only’
processing modes.
• The ‘Delete’ process employs a user selected matching criteria to locate
participant records that exist in the participant table based on the selected
batch template, but do not exist in the file. This map type removes
association of unmatched participants from the selected batch template.
• The ‘Update’ process employs a user selected matching criteria to locate
participant records that exist in the selected batch template. Matched
participants will be changed using the update fields from the imported file.
Add, Update, and Delete – This option adds participants to the participant table,
updates existing participants within the ACH participant table, and deletes
participants from a selected batch template.
Note: If the imported file contains participant records that don't exist in the template, or
if the record for update is not found based on matching criteria, then those participants
are added to the participant table and assigned to the selected batch template.
Note: The 'Delete' process will disassociate the participant from the selected batch
template, the participant is not deleted from the participant table.
1. The Map Type allows you to define an action that will Add, Update or Delete
participants in the participant database.
2. The Map Name allows you to describe the file being imported and will distinguish
it from previous imports. Because the created maps are saved and are reusable,
it is suggested that you create a map name that can be used to identify the type
of map that was created. Note: special characters are not allowed in the map
name.
3. The Delimiter drop-down list lets you select the appropriate delimiter used in the
file you are importing.
4. End of Record ID – Select the appropriate record/line terminator from the dropdown list. Note: The End of Record Id and the Delimiter cannot be the same.
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5. Skip First Header Record – If the file you are importing contains a header,
select Yes; if the file only contains data records and a header is not in the file,
select No.
6. Total Number of Fields in Record/Line – Enter the number of columns/fields in
the file.
7. Strip Quotes (“”) around Fields – Select Yes if the fields/columns in the file
being imported contain quotes at the beginning and end of the fields/columns,
select No if they do not.
8. Amount Field Contains Punctuation(s) – Select Yes if the file being imported
contain punctuations ($,.) in the amount field/column; Select No if the amount
field does not contain punctuations.
Note: Excel files will typically wrap text fields in quotes. If you are unsure whether the
fields contain quotes, select Yes and the Import process will detect and remove if
needed.
When importing a Delimited file, for each record/field that can be imported in a file,
there is a Field Name.
The following fields are available for import:
• Transaction Code
• FI Routing Number
• Account Number
• Amount
• Participant ID
• Participant Name
• Addenda Data
The Field Name actions are defined as Match, Update, and Replacement Value.
• The Match column is used to locate the participant record that exists in the
participant table and match with the participant data in the import file.
• The Update column is used to update the information in the participant table with
the data in the import file.
• The Replacement Value is information either not in the file being imported or is
a change that will affect all matched participants in the import file.
• The Position Field allows the user to define the location of the Field Names
within the imported file.
See Section 'Creating an ACH Map' under 'File Formats' on detailed information how to
create an ACH Map.
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Fixed ACH Map
To display the Fixed ACH Map screen:
Rest your cursor on the Payments & Transfers menu and then select the
Import ACH Data option under the ACH Processing group. On the right side of
the page are two links -- Create New Fixed Map and Create New Delimited
Map. Click the Create New Fixed Map link.
The Fixed ACH Map screen displays.
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The Fixed ACH Map function allows you to define the Record/Line Length and the
Start and Length position lets you define where each piece of the participant’s data is
located in the file.
Click on the Map Type drop-down list and select the appropriate action for the file being
imported:
•
Add Only – This option allows the user to add participant records to the
participant table and assign participant records to the user selected existing
batch template.
•
Update Only – Based on matching criteria, this option changes any participant
records that exist in the participant table with fields from the imported file.
•
Add and Update – This Map is a combination of the ‘Add Only’ and ‘Update
Only’ processing modes.
•
•
The ‘Add’ process adds participant records to the participant table and
assigns participant records to the user selected batch template.
•
The ‘Update’ process employs a user selected matching criteria to locate
participant records that exist in the selected batch template. The records
are changed using the update fields from the imported file.
Delete and Update – This is a combination of the ‘Delete’ and ‘Update Only’
processing modes.
•
The ‘Delete’ process employs a user selected matching criteria to locate
participant records that exist in the participant table based on the selected
batch template, but do not exist in the file. This map type removes any
association of unmatched participants from the selected batch template.
•
The ‘Update’ process uses a user selected matching criteria to locate
participant records that exist in the selected batch template. Matched
participants are changed using the update fields from the imported file.
•
Add, Update, and Delete – This option add participants to the participant
table, update existing participant's within the ACH participant table and
delete participants from a selected batch template.
Note: If the imported file contains participant records that don't exist in the template or
the record for update is not found based on matching criteria, then those participants
are added to the participant table and assigned to the selected batch template.
Note: The 'Delete' process will disassociate the participant from the selected batch
template, the participant is not deleted from the participant table.
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1. The Map Type allows you to define a action that will Add, Update or Delete
participants in the participant database.
2. The Map Name allows you to describe the file being imported and will distinguish
it from previous imports. Because the created maps are saved and are reuseable, it is suggested that you create a map name that can be used to identify
the type of map that was created. Note: Special characters are not allowed in the
map name.
3. Skip First Header Record – if the file you are importing contains a header,
select Yes; if the file only contains data records and a header is not in the file,
select No.
4. Length of Record/line – Enter the record length in the fixed format file to be
imported, carriage return must be included.
5. Amount Field Contains Punctuation(s) – Select Yes if the file being imported
contain punctuations ($,.) in the amount field/column; Please select No if the
amount field does not contain punctuation(s).
6. Start and Length Positions – The Map Type you selected will determine the
requirements for completing if the map type is a Add, Match or Update.
• Start – indicates where this field is located within the file being imported.
This also means that the field would always start in the same position for
each record line.
• Length - indicates the length of the data for that field. The length indicates
how long or how many characters the field contains. Please note that
some field lengths are fixed and some can be variable with up to the
maximum allowed.
When importing a Fixed Length file, for each record/field that can be imported in a file,
there is a Field Name.
The following fields are available for import:
•
•
•
•
•
•
•
Transaction Code
FI Routing Number
Account Number
Amount
Participant ID
Participant Name
Addenda Data
The Field Name actions are defined as Match, Update, and Replacement Value.
•
•
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The Match column is used to locate the participant record that exists in the
participant table and match with the participant data in the import file.
The Update column is used to update the information in the participant table with
the data in the import file.
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•
•
The Replacement Value is information either not in the file being imported or is a
change that will affect all participants in the import file.
The Position Field allows the user to define the location of the Field Names within
the imported file.
See Section 'Creating an ACH Map' under 'File Formats' on detailed information how
to create an ACH Map.
Approve/View ACH Activity
The Approve/View ACH Activity function lets you review recent and pending
ACH activity. If you are an ACH administrator, you can approve, delete or deny
pending batches. Uploaded batches will be displayed in the Completed ACH
Activity table.
To display the Approve/View ACH Activity screen:
Rest your cursor over the Payments & Transfers main menu and then
select the Approve/View ACH Activity option under the ACH
Processing group.
The Approve/View ACH Activity screen displays.
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The screen may contain the following tables, one for pending batches, one for
denied batches, one for completed and uploaded batches. You can sort any
table by clicking the up and down arrows in the column headers. The
information in the tables defaults to sorting by effective date, allowing those
financial institutions who do not use ACH File mover to manage each possible
batch by effective date.
ACH Administrative Tasks
•
To approve a pending ACH submittal, check its Select box and click
the Approve button.
Note: If a Token Challenge is enabled for ACH, and Approval is required, upon
selecting the approve action you will be asked to enter a Security Code on the
ACH Approval Review screen.
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•
To deny a pending ACH submittal, check its Select box, fill in a Deny
Message and click the Deny button.
•
To see details for any batch listed on the screen, click the magnifying
glass in its Details column. The system launches a second browser
window, from which you can view or print the batch data.
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Note: Only the initiator of a denied ACH transaction can delete that transaction.
If you are required to prefund ACH activity, you will have FI Pending batches
that may not be re-submitted while awaiting review and approval by your
financial institution.
View ACH Activity
The ACH Activity function lets you view only that ACH activity which was
initiated or uploaded by you. The screen can show tables for pending batches,
denied batches, completed and uploaded batches, and imported ACH files.
To display the ACH Activity screen:
Rest your cursor on the Payments & Transfers main menu and then
select the View ACH Activity option under the ACH Processing menu
group. The ACH Activity screen appears.
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•
To delete a pending ACH submittal, check its Select box and click the
Delete button.
•
To resubmit a pending ACH submittal, check its Select box and click the
Resubmit button. (This button may or may not be displayed depending
on whether this option is available to you. You may only resubmit
transactions that you created.) Note: If you are required to prefund ACH
activity, you will have FI Pending batches that may not be re-submitted
while awaiting review and approval by your financial institution.
•
You can sort either table by clicking the up and down arrows in the
column headers.
•
If you have a large number of transaction records, you will be able to
page through the list using First, Previous and Last buttons at the
bottom of the table.
To see details for any batch listed on the screen, click the magnifying glass in
its Details column. The system launches a second browser window from which
you can view or print the batch data.
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Maintain ACH Participants
The ACH participant is the individual or organization that will be affected by the
ACH transaction. The participant’s account may be debited or credited by an
ACH transaction (e.g., a payroll deposit or a payment for services rendered).
Each participant entry contains the participant’s financial institution information
and the transaction type – that is, the type of account and whether it will be
debited or credited. This information is used to create the ACH transaction that
is added to a batch.
A participant may have several entries, each one using that participant’s unique
ID but indicating a different account or transaction type. If the participant has
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multiple accounts, or requests more than one transaction type (e.g., a debit and
credit on the same account or debits to two separate accounts), a participant
entry must be created for each account or transaction.
Examples
1. If an employee divides his paycheck between checking and savings
accounts, two separate participant entries must be created. The first entry
would specify the savings account number, the "savings deposit" transaction
type, and the amount. The second entry would specify the checking account
number, the "checking deposit" transaction type, and the amount.
2. If an employee divides her paycheck into two separate financial institutions,
two separate participant entries must be created. The first entry would specify
the financial institution, the account number, the savings or checking deposit
transaction type, and the amount. The second entry would specify the other
financial institution, the account number, the savings or checking deposit
transaction type, and the amount.
A Word About Prenotes
A prenote is a special testing mechanism for use when setting up a new ACH
participant. It comes through as a special transaction type with a dollar value of
$0.00. The purpose of sending a $0.00 transaction is that this will generate an
ACH exception if unsuccessful, thereby notifying the financial institution that
there is a problem with the setup. If successful, there is no adverse effect and
both you and your financial institution can be confident that the setup is correct.
To display the Maintain Participant screen:
Rest your cursor on the Payments & Transfers main menu section and
below the ACH menu group, select the Maintain Participant option. The
Maintain Participant screen appears.
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Select the Participant ID
Any field in an existing participant record may be changed via Maintain
Participant. Participant entries are accessed one of two ways -- by selecting the
participant from the drop-down list, or by entering the participant ID in the
search field.
1.
1. In the Select Participant drop-down list, type a single letter or digit to
access the corresponding region in the Participant ID list (e.g., an entry of
"1" would display the Participant IDs that start with the number "1").
2. Select the desired Participant from the list.
- OR 3. In the ID Search field, enter the participant ID and click the ID Search
button. (Note that the search is case-sensitive.) The Search feature
selects the first matching record and populates the fields on the page, just
as if you had selected the record from the drop-down list.
Update Participant Information
1.
1. Use one of the techniques described above to display the desired
participant record in the Update Participant section of the screen.
2. Make any necessary changes. Click the Reset button at any time if you
need to restore all of the fields to their previously saved values.
3. Click the Update button to save your changes.
Delete a Participant
1. Use the techniques described above to display the desired participant
record.
2. Click the Delete button. A dialog box appears, prompting for confirmation.
3. Click the OK button to perform the delete, or click the Cancel button to
leave the record unchanged.
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Add Participants
1. In the Add Participants section of the screen, enter the participant ID in
the first available Participant ID field.
2. The participant ID is a unique number assigned to each participant that is
used to search for, and identify, the participant on the various ACH
screens. An example of a participant ID is an employee’s social security
number or a business’ Tax ID number.
3. Enter the participant name in the Participant Name field.
4. Enter the participant’s financial institution information in the Route
Number and Account Number fields.
5. Enter the transaction amount in the Amount field. This amount will display
as the initial setting for this participant whenever a batch is initiated and
may be changed by the end user before the ACH file is created.
6. Select a transaction type from the Transaction Type drop-down list. This
indicates how the participant’s account will be affected by the ACH
transaction.
7. (Optional) Check the Prenote box if you want this participant to be set as
a prenote transaction when first added to a batch. (The system will switch
off the Prenote setting automatically after the batch is initiated.)
8. (Optional) Fill in a message in the Addenda field. This message will be
included with the transaction when the ACH file is created.
9. (Optional) Set an Ending Date (in mm/dd/yyyy format or selected from the
calendar) if the participant definition is intended to be used only for a fixed
period of time.
Note: Up to three participants may be added at the same time; each row
represents one participant’s complete information. To add another participant,
repeat steps 1 through 9.
10. Click the Add button to save the participant information.
Maintain Batch Template
The Maintain Batch Template function lets you define the essential
characteristics of the ACH batch -- the template name, the ACH transmission
type and the offset account. This screen allows you to create new templates
and also allows you to update or delete existing templates.
To display the Batch Template Maintenance screen:
Rest your cursor over the Payments & Transfers main menu an select
the Maintain Batch Template option under the ACH menu group. The
Maintain Batch Template screen appears.
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Maintain Batch Template
The Maintain Batch Template option allows the end user to update an existing
template’s information, add a new template or delete a template. As part of the
template, you also define the essential characteristics of the ACH batch: the
template name and the ACH transmission type.
Using the Company drop-down list at the top of the page, select a company that
is associated with the offset account you want for the template.
Add a Template
1. Click the Add New button. This will clear the template fields so you
can enter the information for the new template.
2. Enter the template name in the Template Name input field.
3. Fill in a Template Description that explains the purpose of the
template.
4. Select either PPD – Personal Payments or CCD – Corporate
Payments from the ACH Batch Class drop-down list.
5. Select an ACH ID. The ACH ID is used to identify the originator of the
ACH batch. The ACH ID will contain the offsetting account number.
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Note: If your financial institution accepts unbalanced ACH files, you will see the
Create offsetting transaction checkbox. You have the option of creating an
offset transaction.
6. (optional) If you have checked the Create offsetting transaction
checkbox, the Offset Account drop-down list will be active. Select the
account that will either receive funds transferred in or provide funds
transferred out. When required to prefund, you will create unbalanced
templates and the Offset Account field will not be available.
7. Click the Add button to save the template.
Update a Template
1. Select the template from Select Template drop-down list. The
selected template’s information appears in the Template Information
section.
2. Make any necessary changes. Click the Reset button at any time if
you need to restore all of the fields to their previously saved values.
3. Click the Update button to save the changes to the template.
Delete a Template
1. Select the template from Select Template drop-down list. The
selected template’s information appears in the Template Information
section.
2. Click the Delete button. A dialog box appears, prompting for
confirmation.
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3. Click the OK button to perform the delete, or click the Cancel button
to leave the record unchanged.
List All Templates
Clicking this button displays all templates in a table view. You may click
on any column header to re-sort the display.
Assign Participants To Batch
The Assign Participants To Batch function lets you associate participants with
templates, bringing together the definitions created earlier. Each ACH
transaction includes a reference to the participant, how the account is affected,
and the amount.
To display the Assign Participants To Batch screen:
Rest your cursor on the Payments & Transfers main menu and then
select the Assign Participants to Batch option under the ACH
Processing menu group. The Assign Participants To Batch screen
appears.
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1. From the Template Name drop-down list, select the template that
you want to modify. The template’s complete information is displayed
in the table. You can sort the table by clicking the up or down arrows
in the column headers.
2. Check the box in the Select column adjacent to the participant you
want to add to the template.
3. You can click the Reset button at any time to reset all fields to their
previously saved values.
4. Click the Update button to save your selections.
Tip: Use the Select All check box to select or deselect all participants
quickly.
Reverse ACH Transaction
The Reverse ACH Transaction function lets you submit a request to cancel out
a previously-submitted ACH transaction. You cannot directly nullify a
transaction into the ACH system, so what this function actually does is to
generate an email message to the financial institution.
To access the Reverse ACH Transaction feature:
Rest your cursor on the Payments & Transfers main menu option and
then select the Reverse ACH Transaction option under the ACH
Processing menu group. The Reverse ACH Transaction screen
appears.
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To help prevent fraudulent or inadvertent usage, all of the fields are required
except for the Fax number.
You must provide complete information about the original ACH transaction.
Most of the fields are self-explanatory, but a few warrant special mention:
•
The Company drop-down selection will populate the Offset Account
drop-down with associated accounts.
•
Receiving Bank Name is the name of the ACH recipient’s financial
institution.
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•
Routing Number is the routing (ABA) number of the ACH recipient’s
financial institution.
Fill out all of the fields and click the Submit button to send the request to your
financial institution.
Federal Tax Payments
Add Federal Tax Payments
Many businesses are required to use Electronic Federal Tax Payment
System (EFTPS ) as the method to submit their tax payments.
Our system provides tools that let you manage your EFTPS usage in much the
same way that you manage ACH and Wire Transfer usage.
The Federal Tax Payments service lets you create a payment file that can be
submitted to your financial institution.
To Create a Federal Tax Payment:
Rest the cursor on the Payments & Transfers main menu and select the
Add Tax Payment option under the Federal Tax Payments group. The
Add Federal Tax Payment screen appears.
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Depending on the Tax Type selected, the necessary amount fields will
display.
1. Select the Company from the drop-down menu to populate the Debit
Account field with associated accounts.
2. Select the Taxpayer Name - Tax ID (Tax Identification Number) you
want to pay.
3. Select the Debit Account from the drop-down list.
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4. Enter the Tax Payment Effective Date, using mm/dd/yyyy format or
select from the calendar icon.
5. (Optional) Check the Create Offset Transaction box if you want the
EFTPS file to be balanced. If your financial institution requires
balanced transactions, this box will not appear and an offset
transaction will automatically be created.
6. Use the month and date drop-down menus to select the Tax Period
Ending Date.
7. Use the Tax Type drop-down list to select the tax to which this
payment applies.
If you selected Form 720 – Quarterly Excise Tax from the Tax Type
drop-down list, select the Excise Tax Type.
8. Enter the Tax Amount. Some forms require specific additional
information; if this is the case, those entry fields will display.
• Form 941: Requires Social Security Amount; Medicare Amount;
Withholding Amount
• Form CT-1: Requires FICA Amount; Industry Amount; Supplemental
Amount (the three fields should equal the total tax payment amount.)
9. Click the Add button to submit the payment.
Note: If a Token Challenge is enabled for Tax Payments, and Approval is not
required, upon selecting the add action you will be asked to enter a Security
Code on the Add Federal Tax Payment Review screen.
Federal Tax Payment Activity
The Federal Tax Payment Activity (EFTPS) function lets you review recent
and pending Federal Tax Payment activity. Tax payments have a Pending
status while they are awaiting administrator approval.
To display the Federal Tax Payment Activity screen:
Rest your cursor on the Payments & Transfers main menu option and
select the View Tax Payments option from the Federal Tax Payments
group. The Federal Tax Payment Activity screen appears.
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The three tables on this screen show your Pending Tax Payments (awaiting
administrator approval), Denied Tax Payments (denied by an administrator)
and Completed Tax Payments. Each table may be expanded or collapsed by
clicking the [+] plus or [-] minus symbol.
•
To delete a Pending or Denied Tax Payment, check its Select box and
click the Delete button.
•
To resubmit a Denied Tax Payment, check its Select box and click the
Resubmit button.
The More Info magnifying glass displays additional information about the
specific transaction.
Approve/View Federal Tax Payment Activity
The Approve/View Federal Tax Payment Activity function for EFTPS activity
is intended for use by Tax Payment administrators. It is similar to the View Tax
Payment Activity function, but adds the capability to approve or deny pending
tax payment submittals.
To display the Approve/View Federal Tax Payment Activity screen:
Rest your cursor on the Payments & Transfers main menu and then
select the Approve/View Payments Activity option under the Federal
Tax Payments group. The Approve/View Payment Activity screen
appears.
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1. To approve a pending Tax Payment submittal, check its Select
box and click the Approve button.
2. You can click the magnifying glass icon under the More Info
column to see more information related to the tax payment.
3. To delete a pending Tax Payments submittal, check its Select
box and click the Delete button.
4. To deny a pending Tax Payments submittal, check its Select
box, fill in the Deny message and click the Deny button.
Note: If Token Challenge is enabled for Tax Payments, and Approval is
required, upon selecting the approve action you will be asked to enter a
Security Code on the Approve/View Federal Tax Payment Review screen.
Bill Pay
Bill Pay
This service is documented separately within the Bill Pay Online Help.
Small Business FinanceWorks
Accessing Small Business FinanceWorks
If your FI offers the Small Business FinanceWorks suite of services -- and it has been
permitted to your company by your FI, then the Small Business menu option will appear
on your top menu bar. The Small Business FinanceWorks menu option provides single
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sign-on access to the Small Business FinanceWorks Center. It is available to Corporate
Administrators only and must be specially permitted by your Financial Institution.
Benefits
The Small Business FinanceWorks (SBFW) Center provides a one stop shop for a
number of helpful services that can enhance the effectiveness of your small
business. If you are active on Business Banking, the designated administrative
user will see up to five promotional spots for small business services.
SBFW Services
Selecting the Small Business FinanceWorks menu option displays the Small
Business FinanceWorks Center page. When a user enrolls / signs up for Billing
Manager or Online Payroll from the SBFW landing page, a window will display with
the primary company's name and the Terms and Conditions.
The SBFW services are described below.
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Online P ayroll
Online Payroll (OP) enables you to manage all of your payroll tasks online.
You can create and print paychecks and payroll stubs after the system has
calculated the compensation, deductions and withholdings for you. Or you
can use Direct Deposit to transmit the funds directly into your employees'
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accounts. Online Payroll also helps you track and prepare your payroll taxes,
as well as your periodic state and federal payroll tax filings.
Billing M anager
Billing Manager helps you create professional invoices for your customers
and then enables you to send them out via email or regular mail. Billing
Manager notifies you when an invoice has gone past due and if a customer
needs a gentle email reminder about a past due invoice, you can send it
with the touch of a button.
Optionally, Billing Manager can work seamlessly with Merchant Service
making it easy to accept invoice payments by credit card. Simply click the
Merchant Service banner or click on any of the Merchant Service links that
are available inside Billing Manager to apply for a Merchant Service account.
•
Merchant Service – Merchant Service is only available through
Billing Manager and enables you to accept credit card payments
online for all of your invoices. When a payment is made, Billing
Manager automatically records the payment for you and deposits it
into your linked bank account. Phone orders or in person sales can
also be processed and there is no additional equipment to purchase
because all credit card transactions are handled online using a
protected Web site.
M yCorporation
The following services are available in MyCorporation:
•
•
•
Incorporate or Form an LLC – Save time, money and
complications when you use our professional filing services to help
form your corporation or LLC. You could file all the necessary
documents yourself, but when you consider everything involved in
filing, administering and maintaining all of the documents necessary
to run your business legitimately, MyCorporation offers serious
savings in your time and resources.
Register Business Name (DBA) – Most states require you to file a
DBA if you are doing business under a name other than your legal
name. MyCorporation streamlines the DBA registration process
through the convenience and affordability of registering online.
Or you can click the Take a Tour button or link to see an overview of
all of the available SBFW services.
Note: One or more of the services described above may not be available at
the present time.
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Online Requests
Online Requests
All Online Requests are account-specific; you must have Account Reporting
capability on an account in order to use any Online Requests with that account.
Request Cash/Change Order Form
The Request Cash/Change Order Form function lets you request paper currency
and/or coins.
To display the Request Cash/Change Order Form screen:
Rest the cursor on the Online Requests option and click Request
Cash/Change Order. The Request Cash/Change Order Form screen
appears.
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1. The upper section of the form identifies the person the financial institution
should contact if they have any questions regarding the request. Review the
Contact Name, Phone Number and Email Address, you may change
them if necessary. Enter a Fax number if
2. Select an account from the Account drop-down list. Accounts are populated
based on the Company selected. This account will be debited for the
amount of cash requested (Grand Total).
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3. Fill in the desired number or units for each type of paper currency and coin.
The Total fields and Grand Total field are updated automatically to show
the dollar value of the requested cash.
4. Click the Submit button. A dialog box appears with a recap of the
information to be sent to the financial institution; click OK to submit the
request or click Cancel to return to the Request Cash/Change Order Form
screen.
Reorder Checks
The Reorder Check function lets you place online orders for checks to be delivered
to you directly or picked up at your financial institution branch location.
To display the Reorder Checks screen, select the Reorder Checks option
under the Forms group within the Online Requests menu.
1. The upper section of the form identifies the person the financial
institution should contact if they have any questions regarding the
order. Review the Contact Name, Contact Phone and Email
Address for accuracy. You may change these if necessary.
2. From the Account Number drop-down list, select the account to
which the request pertains. Accounts are populated based on the
Company selected.
3. The Quantity/Units allows you to choose Checks or Boxes and enter
the number of units you wish to order. (Note: Your financial institution
may have set a minimum order size.)
4. You may specify a Starting Check Number or check the Continue
sequence from last order box to have the new checks numbered
consecutively from the end of the previous order.
5. Select the Delivery Information radio button for your preferred
delivery method. The financial institution can send the checks to the
account branch for pickup or mail them directly to you.
6. When you are finished with your order, click the Submit button. A
dialog box appears with a recap of the information to be sent to your
financial institution. Click OK to submit the request or click Cancel to
return to the Reorder Check screen. The Reset button can be used to
clear entered information and reset the page to its default settings.
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Reordering checks
1. The upper section of the form identifies the person the financial
institution should contact if they have any questions regarding the order.
Review the Contact Name, Company, Contact Phone and E-mail
Address, you may change them if necessary.
2. From the Account drop-down list, select the account to which the request
pertains. Accounts are populated based on the Company selected.
3. Set the Quantity/Type radio button for Checks or Boxes and enter the
number of units you wish to order. (Note: Your financial institution may
have set a minimum order size.)
4. Specify the Starting Check Num or check the Continue sequence from
last order box to have the new checks numbered consecutively from the
end of the previous order.
5. Set the Delivery Information radio button for delivery method. The
financial institution can send the checks to the account branch for pickup
or mail them directly to you.
6. Click the Submit button. A dialog box appears with a recap of the
information to be sent to the financial institution; click OK to submit the
request or click Cancel to return to the Check Reorder screen.
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Request a Photocopy
The upper section of the form identifies the person the financial institution should
contact if they have any questions regarding the request. Review the Contact
Name, Phone Number and Email Address, you may change them if necessary.
Enter your Fax number if you are requesting a reply by Fax.
From the Account Selection drop-down list, select the account to which the
request pertains. Accounts are populated based on the Company selected
from the drop-down list at the top of the page.
1. Set the Type of Request radio button for Statement and/or items
or Check. Depending on the radio button selected, the screen will repaint with the necessary fields.
2. If requesting a statement copy, select the Date from the dropdown lists and check the All Checks, All Deposits and/or All
Deposit Items boxes as desired. Optionally, check the CD-Rom
Statement box to have your bank send an electronic statement copy
on Compact Disc media.
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3. If requesting a check copy, specify the Paid Date of the check (use
mm/dd/yyyy format or select date from the calendar) and fill in the
Check Number and Amount fields.
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4. Set the Delivery Information radio button for delivery method.
The financial institution can send the copy to the account branch for
pickup, mail the copy directly to you or FAX it directly to you.
5. Click the Submit button. A dialog box appears with a recap of the
information to be sent to the financial institution; click OK to submit
the request or click Cancel to return to the Request Photocopy
screen.
Request Account Research
To display the Request Account Research screen:
Rest the cursor on the Online Requests option and click the Request Account
Research option under the Forms group. The Request Account Research
screen appears.
This form is designed to allow one specific research request per submission.
The contact information is always required; beyond that, fill in whichever fields
are relevant to your research needs.
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The Item Details section displays different entry fields based on the radio
button selected.
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1. The Contact Information section of the form identifies the person the
financial institution should contact if they have any questions regarding
the request. Review the Company, Contact Name, Phone Number and
Email Address, you may change them if necessary. Enter your Fax
Number if you are requesting a reply by Fax.
2. Select the Account from the drop-down list. The Accounts in the dropdown list will be populated based on the Company selected.
3. (Optional) Under the Item Details section, select the radio button for
Check, Deposit, Wire Transfer, Return Item or Misc Debit/Credit. Fill out
the additional fields that relate to the radio button selected.
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4. (Optional) If requesting a statement, fill in the From, To and Posted
dates (using mm/dd/yyyy format).
5. (Optional) If requesting tax forms, check the Tax Forms box and check
the 1099, 5498, 1098, Duplicate and/or Correction boxes as
appropriate.
6. (Optional) Add freeform text in the Special Instructions area, if desired.
Be as specific as possible to help the financial institution give the best
service.
7. Set the Delivery Information radio button for delivery method. The
financial institution can send the materials to the account branch for
pickup, mail them directly to you or FAX them directly to you.
8. Click the Submit button. A dialog box appears with a recap of the
information to be sent to the financial institution; click OK to submit the
request or click Cancel to return to the Request Account Research
screen.
Requesting account research
The Contact Information section of the form identifies the person the financial
institution should contact if they have any questions regarding the request. Review
the Contact Name, Company Name, Contact Phone and E-mail Address, you may
change them if necessary. Enter your Fax number if you are requesting a reply by
Fax.
From the Item Request For drop-down list, select the account to which the request
pertains. Accounts are populated based on the Company selected.
(Optional) Set the radio button for Check, Deposit, Wire Transfer, Return Item or Misc
Debit/Credit. Fill out the Date of item and Amount fields, also the Check Number
field if the radio button is set to Check.
(Optional) If requesting a statement, check the Statement box and fill in the From, To
and Posted dates (using mm/dd/yyyy format).
(Optional) If requesting tax forms, check the Tax Forms box and check the 1099,
5498, 1099, Duplicate and/or Correction boxes as appropriate.
(Optional) Add freeform text in the Special Instructions area, if desired. Be as
specific as possible to help the financial institution give the best service.
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Set the Delivery Information radio button for delivery method. The financial
institution can send the materials to the account branch for pickup, mail them directly
to you or FAX them directly to you.
Click the Submit button. A dialog box appears with a recap of the information to be
sent to the financial institution; click OK to submit the request or click Cancel to
return to the Account Research screen.
Photocopy Request
The Photocopy Request function lets you request a photocopy of a check or
account statement to be delivered via a choice of methods.
To display the Photocopy Request screen:

Rest the cursor on the Online Services option and click Photocopy
Request. The Photocopy Request screen appears.
Request Bill Pay Research
The Bill Pay Research function lets you request account documents to be
delivered via a choice of methods.
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To display the Bill Pay Research screen:
Rest the cursor on the Online Services option and click the Request Bill Pay
Research option under the Forms group. The Request Bill Pay Research
screen displays.
1. The upper section of the form identifies the person the financial institution
should contact if they have any questions regarding the request. Review the
Contact Name, Company Name, Contact Phone and Email Address, you
may change them if necessary. Enter your Fax number if you are requesting
a reply by Fax.
2. In the Account Information section, select the account from the Account
Selection drop-down list and fill in the Payment Date, Amount and Payee
fields.
3. Set the Delivery Information radio button for delivery method. The financial
institution can send the materials to the account branch for pickup, mail
them directly to you or FAX them directly to you.
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4. (Optional) Add freeform text in the Special Instructions area, if desired. Be
as specific as possible to help the financial institution give the best service.
5. Click the Submit button. A dialog box appears with a recap of the
information to be sent to the financial institution; click OK to submit the
request or click Cancel to return to the Request Bill Pay Research screen.
Email
Email
The Email function is used as a direct link between you and your financial
institution.
To display the Email screen, click the Email menu option at the top right of the
page. The Email screen displays.
1. The Originating Contact, Company Name, Phone Number and Email
Address fields are pre-filled. You may change them if necessary.
2. If you prefer to be contacted by Fax, enter your Fax number and then
select the Fax Number option under the Preferred Method of Contact.
3. The Preferred Method of Contact will default to Phone Number. If you
prefer Email or Fax, be sure to change the selection here.
4. Enter the subject line of the email. (Limit 40 characters.)
5. In the Message field, enter the text of the email.
6. Click the Submit button to send the email message to your financial
institution. A confirmation screen displays to let you know that your email
message was sent.
7. Click the Reset button at any time to clear the information you have
entered.
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176
Help
Help Menu
This menu consists of two options:
•
Help - this option is always visible in the upper right corner of the screen.
Clicking the Help link opens a new window containing help for the various
screens. You can use the table of contents, index or search to pinpoint the page
or topic you wish to find.
•
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Frequently Asked Questions
Internet Browser Errors
Q. What do the Internet browser Error Messages mean?
The following list defines common browser Error Messages:
•
403 Forbidden/Access Denied (Connection Refused by Host) - The Web site you
requested requires special access permission.
•
404 Not Found - The browser could not find the specific document that you requested on
the host computer. To resolve this error, check the Uniform Resource Locator (URL) syntax
(some URLs are case sensitive). In addition, the page may have been removed, had its name
changed, or have been moved to a new location.
•
Bad File Request - The form or the Hypertext Markup Language (HTML) code for an online
form has an error.
•
Failed DNS Lookup - The Web site's URL could not be translated into a valid Internet
protocol (IP) address. This error is common on commercial sites because the computers
responsible for translating the IP addresses are overloaded. Try again later when there may
be less Internet traffic. This can also be caused by a URL syntax error (the URL has incorrect
format).
•
File Contains no Data - The browser found the site, but nothing in the specific file. There is
a possible "packet loss" on the internet route to the server.
•
Helper Application not Found - You have attempted to download a file that needs a helper
program, and your browser cannot find the program. On the browser's preferences or options
menu, make sure the correct directory and file name are entered for the helper program. If
you do not have a helper program, save the file to disk and obtain the helper program.
•
Not Found - The link no longer exists.
•
Site Unavailable - Too many users are trying to access the site, the site is down for
maintenance, there is noise on the line, or the site no longer exists. This can also be caused
by a user URL syntax error.
•
TCP Error Encountered While Sending Request to Server - This error is caused by
erroneous data on the line between you and the requested site. This may be hardware
related. Report the error to your network administrator and try again later.
•
Unable to Locate Host - The URL did not return anything, the site is unavailable, or the
Internet connection was dropped. Check the hardware connections and URL syntax.
Customer Platform - General
Q. What is the difference between a Super User and an Administrative User on the
Customer Platform?
A Super User is set up for the financial institution at the time the Company profile is
established. This user has access to all functionality as well as the ability to set up subsequent
users with equal or lesser functionality. The Super User sets up Administrative Users;
functionality will be limited as defined by the Super User.
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Q. Why can’t company administrators see all of the users of the company?
The company Super User Administrators (created by the financial institution) are the only end
users that can see ALL users of that company. The Company Admin may assign other
subordinate users to also be Administrators (to add additional users, do Activity Reporting etc.)
however a subordinate user who is also an Administrator will only be able to see and modify
permissions for users who are not Administrators of any kind. Only the Company Super User
Administrator can make another user an Administrator. In the Administrative Platform, all
references to cut off times for ACH and wires are in Pacific time. Plans are not known for
accommodating other time zones.
Q. Does login information include any "personal" info such as name, account number,
social security number, etc.?
No. The financial institution defines the Company ID, and no personal information is required
by Business Banking to log in.
Q. What are the requirements for the User Password?
Passwords are usually 6-16 characters and may include letters or numbers. Special password
characteristics may be imposed by the financial institution to provide a greater degree of
security. These requirements may include minimum and maximum length, upper and lower case
alpha characters, numeric, or special characters (e.g. “!” “@” “#” etc.). Password requirements
are determined by your financial institution.
Q. After the maximum number of failed login attempts, what message does the end user
receive?
The message instructs the users to contact their financial institution. The financial institution
determines the maximum number of failed login attempts that are allowed.
Q. Who can reset passwords?
A financial institution Administrator can reset the Company password in the Customer
Maintenance area. The Company Administrator can change the Company Password or an End
User Password.
Q. How do the Account Descriptions work and how many characters are allowed?
Changing the account description (nickname) will rename the account everywhere it appears in
the product, including the dropdown boxes for transactions. The user can enter up to 32
characters for the account description.
Q. What does the term “Float” mean?
Float refers to the time interval, or delay, between the start and completion of a specific phase or
process (check or electronic deposits, clearings etc.) that occurs along the cash flow timeline.
Q. What is the difference between how end users with batch processing create a report
and customers with online processing create a report?
Batch end users cannot sort transactions by transaction type because the host (batch database)
is not providing transaction codes. For these financial institutions, there are only debits and
credits. Online customers can sort by multiple transaction types because the DATA
PROCESSING VENDORS provide that information.
Q. In Online Services --> Photocopy Request, can the option for CD-ROM Statement be
removed from the form?
Currently, this is not configurable so it cannot be removed from the form.
Q. What Personal Financial Management software packages can be used with the online
business banking system?
•
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QuickBooks - Current year plus 2 earlier versions
Frequently Asked Questions
•
Quicken - Current year plus 2 earlier versions
•
Microsoft Money - Support for MS Money was discontinued in January 2011. Microsoft
announced plans to release versions of Money Plus Deluxe and Money Plus Home &
Business that will not require online activation. This version will allow you to keep your Money
files and transactional history, but will not allow access to online services or premium
services.
•
Comma Delimited
•
HTML
Q. Does the online business banking product use cookies?
Yes, non - persistent cookies (also called session cookies). That means that cookie information is
not permanently stored on the end user's computer. If the multifactor authentication feature is
enabled for the customer, a persistent cookie is stored to identify the computer at login.
Stop Payments
Q. What is the difference between Stop Payments for Batch clients and Stop Payments for
Real-Time (Online) clients?
When an end user submits a stop payment at a financial institution that has online processing,
the stop payment is processed immediately through the DATA PROCESSING VENDOR. If the
financial institution has batch or hybrid processing, the stop payment request is in the form of
an email sent to the financial institution. The financial institution then manually processes the
stop payment.
Q. Do all Online Data Processing Vendors (DATA PROCESSING VENDORS) support online
Stop Pays?
No, the functionality is DATA PROCESSING VENDOR dependent.
Limits and Approvals
Q. How do Limits and Approval functions work?
For the ACH, Wire Transfer and Tax Payments features, the system allows the financial
institution to modify behavior for each Customer. By default, approval is not required for wire
transfers, ACH batch or tax payments, as long as their dollar amounts do not exceed the initiating
user’s per-transaction/batch limit and the user’s daily running total (including the new transaction
or batch) is still below his/her daily limit. The online banking system does not, by default, require
approval on Wire Transfer Template creation or update; new or modified templates may be used
immediately under the default rules.
The online banking system does require approval on any wire transfer, ACH batch or tax payment
that exceeds the user’s per-transaction/batch limit. The system similarly requires approval on any
wire transfer, ACH batch or tax payment that would push the user’s daily running total over
his/her daily limit. In addition, the company daily limit is strictly enforced and cannot be waived or
defeated by any mechanism built into the system – if a company needs to exceed its daily limit, a
company representative must contact the financial institution and make special arrangements.
Q. When setting up a customer, are daily limits required for ACH, wires, and EFTPS ?
Yes, if that functionality is being granted by the financial institution to the Company.
Q. Why would a company admin receive two emails notifying that there is an ACH to
approve?
If the financial institution selected both “Require Approval” and “Require Approval by Other
User”, an email will be sent out for each condition. That is, when an ACH is submitted, the system
will recognize that the ACH transaction needs to be approved as well as needs to be approved by
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another user and will send an email for each. The financial institution should only have one of
these options checked.
Q. What does the Restrict function do?
If the “Restrict Initiation if User Limits are Exceeded” box is checked, no transactions exceeding
transfer limits can be initiated. This applies to per-transaction limits as well as daily limits.
ACH/File Processing
Q. What is an unbalanced ACH file?
An unbalanced file is created when a financial institution allows its customer to create ACH files
that do not have an offsetting entry that automatically credits/debits the customer’s offset account
for the debit and/or credit transactions on the file.
It could be all credits, all debits or a mixture of debits and credits that probably do not
balance. The financial institution makes manual entries to credit/debit the customer’s account
for the activity.
If your FI has required that you prefund ACH Activity, you will be required to submit unbalanced
batches via Initiate Batch and Send ACH File.
Q. What is the difference between a balanced and an unbalanced ACH file?
Balanced files contain an offsetting entry that automatically credits/debits the customer’s offset
account for the debit and/or credit transactions on the file.
financial institutions who allow unbalanced files may not get offsetting transactions in their ACH
files, and may have to makes manual entries to credit/debit the customer’s account for the
activity.
Most financial institutions require balanced files since the files are self-posting, manual entry
mistakes are eliminated and, if the file is in balance, no transactions are missing
If the Allow Unbalanced Files option is selected in Customer Maintenance, when the user
creates a template they will have the option to bypass selecting an account. If one is not selected,
the Batch will be listed without an offset throughout the Business Banking/ACH module. If this
option is NOT selected, the user MUST select an account from the list when creating a Batch
Template .
Note: It is not the relationship of credit and debit transactions that has anything to do with a
balanced file. If there are one or more credit transactions in the file, an offset debit is created to
charge the customer’s offset account for them. If there are one or more debit transactions in the
file, an offset credit is created to credit the customer’s offset account for them.
In a balanced file the offset is not a single net entry. If there are debits, there is a credit offset. If
there are credits, there is a debit offset. They are mutually exclusive.
Q. What is the difference between Send a file and Importing a file?
Importing and Send ACH File both involve customers who use financial software to create batch
information. When a customer Uploads an ACH file, they are actually “giving” Business Banking
a file in NACHA format that the financial institution can then download and process. If a
customer Imports a file, they are simply importing the participant information from their PC.
Business Banking will actually create the NACHA formatted file when/if transactions are initiated
and they will be based on the Imported information
Q. Does the financial institution have to approve all batches?
If the financial institution has Online Processing, all wire and ACH batches must be approved in
order to be processed. If the financial institution has batch processing, the financial
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Frequently Asked Questions
institution only needs to approve the batch if they are downloading the files and processing them
themselves. Note: Uploaded batches are automatically considered “Approved.”
Q. What if the end user doesn’t see any accounts in the “Offset Account” Field?
If the financial institution is allowing unbalanced files, this would cause the absence of the
offset account in the Offset Account field. If the financial institution requires balanced files and
accounts still are not listed in the "Offset Account" field, the financial institution should try
selecting Refresh Account in Maintenance>>Customer Maintenance. This will request a new
listing of accounts available from the host. If the accounts are still not visible, contact Digital
Insight Customer Service.
Q. Does the ACH function check funds availability?
No, it does not check for funds availability.
Q. Do ACH and Wire debits memo post to the account at the time of initiation?
Business Banking does not memo post the offsetting transactions upon initiation. The accounts
do not reflect the transactions until they have been posted to the account by the host. Unlike
ACH, Wires offsetting transactions need to be manually posted by the financial institution.
Business Banking does not automatically create the offsetting transaction.
When processing files on the financial institution Admin Platform, why is there a status field that
shows "Approved". Obviously the file was approved by the customer to able get to the
Administrative Platform.
Wires, ACH, and Tax Payment files can have five statuses: "Pending", "Denied", "Deleted",
"Approved", and "Downloaded". To remain consistent throughout the application the status is
always displayed.
Q. How long will files and transactions appear in “Show Backup”?
The Show Backup area of File Processing for ACH, Wires, Tax Payments and Uploaded ACH
files will show the last 10 days worth of transactions.
Q. Does a file display in the Customer Platform indefinitely until it is approved or denied
by the financial institution?
Unprocessed batches remain in the system indefinitely. Processed batches roll off after 10 days.
Q. How do effective dates for ACH credit and debits work?
Business Banking does not allow same day effective dates because you cannot create a same
day ACH. According to NACHA rules, debits can be effective one day and credits two days in the
future.
Q. How many days does it take for an ACH to post?
This is dependent on how the financial institution processes their ACH transactions. If a
financial institution wants to exceed the NACHA limits on effective dates (one day for debits,
two days for credits) they would need to have a system that could warehouse those items on their
behalf. This is accomplished either through their DATA PROCESSING VENDOR or a third party
software package.
Q. Can a batch contain files with different effective dates?
Yes.
Q. How does the ACH import function affect participants and batch templates?
Import ACH files allows companies to create participant data based on any already existing
NACHA formatted file. It prevents them from having to re-key information if they already have a
file from either their previous Business Banking system or any existing accounts payable/payroll
system.
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Q. When a customer submits ACHs, Wires, and EFTPSs, does the financial institution have
to debit the account themselves or does our software send this directly to the Data
Processing Vendor?
As long as the financial institution requires balanced files, then for ACH/ EFTPS the application
creates offsetting transactions. Wire transfers currently do not have the option of creating offset
transactions unless the financial institution has a product called MTS which is middleware
between Business Banking/their DATA PROCESSING VENDOR and FedLine.
Q. Why are PPD and CCD options in the dropdown menu in Batch template Maintenance
but not PPD+ and CCD+? Does Business Banking support these class codes?
Yes. The “plus” in PPD and CCD refers to the addenda record and when the user enters
information in the Addenda field, the class code will become CCD+ or PPD+.
Q. Does Business Banking support the CTX class code?
No. CTX is a class code that accommodates 9999 lines of addenda and is used by large
corporate customers. The Business Banking system does not support it at this time.
Q. Where does the batch ID come from?
The batch ID is generated by Business Banking.
Q. Does the ACH reversal function automatically reverse an ACH?
No, it merely sends an e-mail to the financial institution and the financial institution must
perform the reversal.
Q. Where does the financial institution establish cutoff times for ACH and Wire Transfers?
The financial institution sets the time under the ACH and Wire transfer sections of Policies.
Remember that these times are currently set to Pacific Standard Time so financial institutions
in time zones other than PST must enter the cutoffs accordingly.
If you are required to prefund your ACH activity, your cutoff time may be earlier than the standard
ACH cutoff time. If you are unsure, please contact your FI Administrator.
Wires
Q. Some financial institutions use a Wire Transfer system called QUICKWIRE to interface
and post WIRES to their CORE AS400. Does Business Banking interface with QUICKWIRE
if it is in a particular format such as NACHA or Fed Wire format?
Wire download files created by Business Banking are in a Fed Wire file format, which is
compatible with most wire processing systems. Interfaces are also available to BankServ and
Fundtech
Q. What is the difference between Receiving bank and Intermediary bank in wire
templates?
The receiving bank is the financial institution to which the originator 's bank sends the
wire. Usually, the receiving bank and the beneficiary bank are the same.
An Intermediary bank is needed when there has to be a bank between the receiving bank and the
Beneficiary Bank. Some financial institutions (Originating Banks) send all their wires through
one financial institution (Receiving Bank) who then send it on to an International Correspondent
(Intermediary Bank) for final credit to the beneficiary bank.
Q. Does the Wire Transfer function check funds availability?
No. A user can submit a wire request for an amount that exceeds the account available
balance. The wire request is just that – a request. When a user submits the request, an email
goes to the financial institution and the wire is processed manually.
Q. How does the end user know the status of a wire request?
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Frequently Asked Questions
The status of a transaction can be checked using the Transfer Activity screen.
Q. Can a customer recall a wire in Business Banking once it has been submitted?
No. The customer must contact the financial institution.
Q. How are Wires archived?
Like other transaction types, wires can be viewed in the Activity Log for the current week plus 4
weeks.
Q. Can international wires be done?
Yes.
Q. Does Business Banking verify the ABA Number for transactions that require it?
Business Banking verifies the ABA number against a database of valid ABA numbers that is
updated regularly.
Q. How can the financial institution be notified of wires that require processing?
The financial institution controls notification of pending wires using the Suppress E-mail
Notification option in the FI’s Policies settings.
Q. What would cause the error "Invalid Date" when a financial institution is uploading a
wire file to FedLine?
Possible cause: On FedLine, banks must change daily the Cycle Date Rollover parameter to the
current business day. Confirm that the parameter has been manually changed. If the financial
institution has questions about Cycle Date Rollover, they should contact the Fed customer
service center.
Federal Tax Payments
Q. How does an end user determine which region they should send their Tax Payments
to?
When a business applies to the government for EFTPS, or Electronic Federal Tax Payments
Service, its setup information denotes which region the company belongs to. In order to
determine which region a business may fall into, the company will need to download this guide:
http://www.fms.treas.gov/eftps/eftpshandbook.pdf
They can also call the EFTPS hotline at 1.800.945.8400.
The company can determine, by state, which region it should send its payment to. There are two
financial institution s that accept EFTPS --one for each region. The region names are North
(Chicago) and South (Atlanta).
Q. Can both Federal and State Tax Payments be made?
Currently only federal tax payments can be made. For more information about State Tax
Payments, please contact your company or bank administrator.
Email/Alerts
Q. How can a financial institution view all of the established messages at the same time?
Select the ‘List’ button on the Messages main page. This will show you all the messages that
have been entered.
Q. Who can receive emails?
You can send email directly to the Company Administrator of one, several or all companies. To
select several companies to send a message to, simply hold down the Ctrl key and click the
company names to send to.
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Q. What is the benefit of saving email messages?
If the financial institution regularly notifies customers via email about things like Holidays,
scheduled system maintenance etc, saving a standard email and reusing it can be a time-saver.
Q. How is the ‘From’ email address set?
The financial institution administrative user inputs the email address at Workflow Email
Routing. The email address entered here will appear in the ‘Reply E-mail Address’ space in the
recipient’s message. The email address is usually a generic mailbox name such as
‘CustomerService@FinancialInstitution.com’ so that users who reply to the message don’t have
the email address of a specific financial institution employee.
Q. How do the Sweeps/Balance Alerts work in a real-time environment? Does the online
banking system continuously ping the host?
The financial institution can define up to five times a day that the product will ping the host to
look at the balances. If the balance meets the condition defined by the customer , the online
banking system will automatically distribute a balance alert, and/or transfer funds and distribute a
transfer notification.
Q. What is the email content for Alerts and Sweeps?
This is an example if a balance alert:
The balance in your Certificate Of Deposit account is currently above $50.00 (created 06/20/2001
10:55 AM by user AUSER)
Enhanced Login Security
Q: What is Enhanced Login Security?
Enhanced Login Security is a new online security feature that provides additional protection from
fraud and identity theft. By recognizing your login identification and your computer, Enhanced
Login Security verifies that you are authorized to have access to the online system.
Q: Am I required to use the Enhanced Login Security feature?
Yes, once this feature is enabled for your business by your financial institution, you will be
challenged at login if the system does not recognize your computer. Enhanced Login Security
helps prevent unauthorized access to the online system, protecting the functions and financial
information related to your banking accounts.
Q. What does challenge mean?
If the system does not recognize your computer, you will be challenged for additional
authentication information known only by you. Two challenge options are used: security access
codes and security questions. Depending on the option your financial institution chooses, you will
be sent a security code when you are challenged or presented with security questions that you
have selected and answered in the past. With either option, you must answer the challenge
correctly to be authenticated and allowed access to the system.
Q. How does Enhanced Login Security work?
The system will give you the opportunity to enroll each computer that you use for online banking.
Once you have added the extra login security to your computer, you will see no difference to the
login functionality. However, if you login from a different computer than the one you have
enrolled, you will be presented with the challenge in order to login.
We recommend that you only enroll computers that are secure and can only be accessed by
authorized individuals. For example: you would not want to enroll a computer that was located
within a public area, or used by many people. Please note that if you use multiple browsers within
the same computer you will need to enroll each browser separately.
Q. What does it mean to enroll my computer?
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Frequently Asked Questions
When you enroll your computer for this service, you allow the system to place a code, called a
cookie, on your computer. The cookie contains a unique identifier that is used in combination with
your login identification. At every subsequent login attempt after enrollment, the system will look
for this cookie and validate that it matches the login identification that you entered. This cookie is
used by the system only to validate your computer’s identity and does not contain any personal
information.
Q. Must I enroll a computer I do not use regularly?
No. However, you must answer the security challenge correctly to be authenticated and allowed
access to the system. We recommend that you do not enroll public computers when the system
presents the opportunity.
Q. What should I do if I want to unenroll a computer that I have previously enrolled?
If you discontinue using a specific computer to access the system, we suggest that you unenroll
that computer from this service. This can be done by logging into your account from the computer
that you want to unenroll and select the Unenroll Computers option from the Administration -->
My Profile main menu. This will remove the secure cookie from that browser. If an attempt is
made to log into the system with the unenrolled computer, a challenge will be presented before
access is granted.
Q. Can I unenroll a computer from a different computer?
Yes, however you will have to unenroll all of your computers. This can be done by accessing the
Unenroll Computers option from the Administration --> My Profile main menu.
Q. Can I log in from multiple computers and browsers?
Yes. You can log in from as many different computers and browsers as you like. However, if you
log in from a computer that the system does not recognize, you will be challenged for further
authentication and will be given the opportunity to enroll that computer.
Note: If you use multiple browsers on the same computer you will need to enroll each browser
separately.
Q. Why do I keep getting challenged when I log in from a computer browser that I have
already enrolled?
This is probably happening because the cookie that we placed within your browser is being
deleted. We recommend that you do not delete these cookies if you do not want to be challenged
at each login.
Q. I share my computer with someone that also uses the online banking system. Can both
of us still log in from the same computer browser?
Yes. You can use the same computer to log in since the “cookies” placed on the computer are
specific to each user ID.
Q. What is a security access code or One-Time Passcode?
A security access code is a temporary code provided by the system that is unique to you and is
used in the process to authenticate your identity.
Note: A security code may not accompany your security questions. Please contact your financial
institution if you have any questions.
Q. When will I receive a One-Time Passcode challenge?
If the One-Time Passcode feature is enabled by your financial institution, you will receive a
security challenge each time your Company ID, Company Password, User ID and User Password
has been successfully authenticated from a computer that is not recognized.
You may also receive a security challenge by clicking on the word here in the phrase ‘click here
to request a new One-Time Passcode’ when it is presented during the authentication process.
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Also, if the change questions button is enabled by your financial institution and is clicked, you will
receive a new security access code.
Q. Will my One-Time Passcode expire?
Yes. Your One-Time Passcode will expire if your session times out or within 30 minutes,
whichever is less. The expired security code entry will count as a bad login attempt.
Q. Can I reuse a One-Time Passcode?
No. Each One-Time Passcode is unique and valid for a single use only. If a One-Time Passcode
has been used previously, a new security access code must be generated and entered to gain
access to the system.
Q. Will I be required to provide a One-Time Passcode the first time I am challenged?
At your financial institution's discretion you will be allowed to bypass the process a certain
number of times by clicking on the remind me later button, as long as you don’t exceed the
number of bypass logins permitted by your financial institution. If you exceed the number of
bypass logins allowed, you will be required to provide a One-Time Passcode to access the
system.
Q. Can I still log into the online system from anywhere?
Yes. This service does not prevent you from logging in from any computer. If we do not
recognize the computer that you are using, then you will be challenged for a security access code
before being allowed access.
Q. How many times will I be allowed to bypass the process of providing a security code?
The number of bypass logins allowed is defined by your financial institution. Please contact your
financial institution for assistance.
Q. What are security questions?
The Security Question feature is an authentication feature based on predefined questions, a
certain number of which are answered by you in advance. Therefore, answers should contain
information known only to you, and correctly answering the questions presented by the system
will authenticate your identity.
Q. How do I setup security questions?
If the Security Question feature is enabled by your financial institution, during the setup process
the system will ask you to select and answer five questions when you first access the system.
The system will store your question and answer combinations for use if it becomes necessary to
authenticate your identity during a login attempt.
Q. Do I need to set up all five security questions?
Yes. You must select and answer five questions, carefully following the setup instructions
presented on the computer screen during the process.
Q. How will I be challenged and what do I do when I am challenged?
Each time you log in on a computer the system does not recognize, you will be challenged with
two questions, randomly selected by the system from the five security questions that you
answered during setup. You will be given a series of instructions and presented with options by
the system. Correctly answering the questions and completing the process will authenticate you
as a valid user and permit access to the system.
Q. Can I still log into the online system from anywhere?
Yes. This service does not prevent you from logging in from any computer. If we do not recognize
the computer that you are using then you will be challenged for a Security Access Code before
being allowed access
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Frequently Asked Questions
189
File Formats
File Formats
The Business Banking system has the capability to export data for use in other
software, and also can import data from other software via formatted files.
This Appendix gives specifications for files that the Business Banking system can
use.
ACH Upload File Validation
The Business Banking system will accept valid ACH files as input. The rules
governing the format for these files are published as NACHA standards.
The Business Banking system adheres to those published standards, so this
topic will not specify an input file format. Instead it will explain the validation that
the system performs whenever a customer uploads an ACH file. The following
table shows all of the details, on a record-by-record basis:
Required Skip in
Defined as
Import Mandatory Or
Required Field
by NACHA
Validation
Literal
Based On
Y
M**
Record
Type
Field
File
Header
Record Type Code Check Literal
"1"
Priority Code
Check Literal
"01"
Immediate
Destination
Numeric digits only, plus correct
check digit
Immediate Origin
Validation
Y
R****
N
Y
M**
N
Y
M**
Y
Y
M**
N
Y
O***
Y
N
M**
Numeric digits only
YYMMDD
File Creation Date Check Date
HHMM
File Creation Time Check Time
File Id Modifier
Check Alphanumeric
Record Size
Check Literal
Blocking Factor
Format Code
Check Literal
Check Literal
Check Alphanumeric, no specific
Destination Name value
Check Alphanumeric, no specific
Origin Name
value
This field may
be mutually
defined
between the
ODFI and
Originator .
"094"
Y
M**
Y
M**
Y
M**
"10"
"1"
N
Y
O***
N
Y
O***
Section 3.4 of
Appendix
Three of the
NACHA rules
stipulate that
if these fields
are not these
values the file
will be
rejected
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Commercial Customer Platform 5.1 User Guide
N
Reference Code
Batch
Header
Y
Record Type Code Check Literal
Service Class Code Check Service Class Code
Company Name
Check Alphanumeric
Company
Identification
Check Alphanumeric, no specific
value
Company Entry
Description
Check Standard Entry Class Code
Check Alphanumeric
Effective Entry
Date
Year <50 assumed to be 20XX,
otherwise 19XX
192
M**
N
O***
Y
M**
Y
M**
Y
M**
N
O***
Y
Y
Y
Ascending from previous batch, but
not necessarily consecutive
Record Type Code Check Literal
Check Digit
Y
“ CCD
”,
“PPD”
Check Originator Status Code
“1”
Check against ACH Orig ABA#
maintained in CM Admin. The check
digit (9th number) of the ACH Orig
ODFI Identification ABA should be ignored.
Receiving DFI
Identification
M**
“200”,
“220”,
“225”
Originator Status
Code
Transaction Code
Y
Service Class
Code 280 ACH
Automated
Accounting
Advices are
not supported
by cash
management
Other
standard entry
class codes
will be
evaluated
through our
enhancement
process
Check Alphanumeric
Company
Descriptive Date
Batch Number
M**
"5"
Check Alphanumeric
Company
Discretion Data
Standard Entry
Class Code
O***
Check Alphanumeric
Y
Entry
Detail
Y
Y
R****
M**
Y
M**
Y
M**
Y
M**
Y
M**
Y
M**
Y
M**
"6"
"22", "27", "32", "37", "23", "28",
"33", "38", credit transactions
accepted only with Service Class
Code "200" or "220", debits with
"200" or "225"
Check Numeric
Check-digit verification on Receiving
DFI ID
Ensures that
the FI is
named as the
ODFI
Other
transaction
codes will be
evaluated
through our
enhancment
process
File Formats
DFI Account
Number
Check Alphanumeric
Amount
Check Numeric
Identification
Number
Check Alphanumeric
Y
R****
Y
M**
N
O***
N
O***
N
O***
Y
M**
Y
M**
Y
M**
Receiving Company
Name
Check Alphanumeric
Discretionary Data Check Alphanumeric
Addenda Record
Indicator
Number of
Addenda Records
Trace Number
Addenda
Check Numeric
CTX only (Not yet available)
ODFI portion must match ODFI id in
Batch Header record; Entry Detail
Sequence Number must be
ascending in order
Record Type Code Check Literal
Addenda Type
Code
Payment Related
Information
Check Literal
Y
Y
M**
Y
M**
N
O***
Y
M**
"7"
"05"
Check Alphanumeric
Ascending in order and consecutive
Addenda Sequence in sequence, first addenda record
Number
must be "1"
Section 2.3
Appendix Two
Y
Entry Detail
Check Entry Detail Sequence
Sequence Number Number
Must match trace number in current
entry detail record
Batch
Control
Section 3.5 of
Appendix
Three
M**
Section 2.3
Appendix Two
Y
M**
Y
Record Type Code Check Literal
Match corresponding field in Batch
Service Class Code Header record
Batch
Entry/Addenda
Count
Match total # of detail and addenda
records in batch
Batch Entry Hash
Match computed hash of Entry
Detail records in batch
Batch Total Debit
Amount
Match computed total of debit Entry
Detail records in batch
Batch Total Credit Match computed total of credit
Amount
Entry Detail records in batch
"8"
Y
M**
Y
Y
M**
Y
M**
Y
M**
Y
M**
These
validations
ensure that
the batch is in
balance and
no data has
been lost
during the
transmission
of the file. If
any of these
validation do
not pass the
file is consider
to be out of
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Commercial Customer Platform 5.1 User Guide
balance and
will be
rejected.
(Section 3.5
Appendix
Three NACHA
Rules)
Company
Identification
Match corresponding field in Batch
Header record
Y
R****
N
O***
Y
M**
Y
M**
Y
M**
Y
M**
Y
M**
Y
M**
Message Authentic
Code
Check Alphanumeric
Originating DFI
Ident
Batch Number
File
Control
Match corresponding field in Batch
Header record
Match corresponding field in Batch
Header record
Record Type Code Check Literal
File Batch Count
Match computed number of batches
File Block Count
Match number of 940 byte (10
record) blocks in file
"9"
File Entry/Addenda Match total # of detail and addenda
records in file
Count
Match computed hash of Entry
Detail records in file
Y
M**
File Entry Hash
File Total Debit
Amount
Match computed total of debit Entry
Detail records in file
Y
M**
Y
M**
File Total Credit
Amount
Match computed total of credit
Entry Detail records in file
These
validations
ensure that
the batch is in
balance and
no data has
been lost
during the
transmission
of the file. If
any of these
validation do
not pass the
file is consider
to be out of
balance and
will be
rejected.
(Section 3.5
Appendix
Three NACHA
Rules)
These
validations
ensure that
the file is in
balance and
no data has
been lost
during the
transmission
of the file. If
any of these
validation do
not pass the
file is consider
to be out of
balance and
will be
rejected.
(Section 3.4
Appendix
Three NACHA
Rules)
**"Mandatory For ACH Processing - A "Mandatory" field is necessary to ensure the proper routing and/or posting of an ACH
entry. Any "Mandatory" field not included in an ACH record will cause that entry, batch, or file to be rejected by the ACH
Operator..." (Section 2.3 Appendix Two NACHA Rules)
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File Formats
***Optional for ACH Processing - The inclusion or omission of an "Optional" data dield is at the discretion of the Origiantor and
ODFI. (Section 2.3 Appendix Two NACHA Rules)
****Required for ACH Processing - Data classified as "Required" should be included by the Originator and ODFI to avoid
processing and control problems at the RDFI . (Section 2.3 Appendix Two NACHA Rules)
Standard Entry Class Codes Record format location: Batch Header
• PPD - Prearranged Payment or Deposit - The ACH payment format by which
consumers may authorize credits or debits to their accounts by a company or
Financial Institution. These are normally recurring payments in fixed amounts.
• CCD - Cash Concentration or Disbursement - The ACH payment format used
for concentration of funds between or within companies. A single 94-character
record contains the standard entry class indicating the type of transaction, routing
and transit numbers of the ODFI and RDFI and the originator and receiver
account numbers. CCD is the only corporate ACH format that does not have
space for additional addenda information, but it does contain space for a
reference number.
• RCK - A SEC for Re-presented Check Entry – A single entry ACH debit
application used by Originators to re-present a check that has been processed
through the check collection system and returned because of insufficient or
uncollected funds.
• CTX – A SEC for Corporate Trade Exchange – The transfer of funds within a
trading partner relationship in which a full ANSI ASC X12 message or payment
related UN/EDIFACT information is sent with the funds transfer.
• TEL – A SEC for Telephone-Initiated Entry – A single entry debit transaction to
a consumer’s account pursuant to an oral authorization obtained from the
consumer via the telephone.
• WEB - A SEC for Internet-Initiated Entry – An ACH debit application to a
consumer’s account pursuant to an authorization that is obtained from the
Receiver via the Internet.
• ARC - A SEC for Accounts Receivable Entry – An application that enables an
Originator to convert to a single entry ACH debit a consumer check received via
the U.S. mail or at a drop box location for the payment of goods or services.
Transaction Codes
Record Format Location: Entry Detail Record
Demand Credit Records (for checking, NOW, and share draft accounts)
22 - Automated Deposit
23 - Prenotification of Demand Credit Authorization; Death Notification (non-dollar);
Automated Enrollment Entry (non-dollar)
24 - Zero dollar with remittance data (for CCD and CTX entries only); Acknowledgment
Entries (ACK and ATX entries only)
Demand Debit Records (for checking, NOW, and share draft accounts)
27 - Automated Payment
28 - Prenotification of Demand Debit Authorization (non-dollar)
29 - Zero dollar with remittance data (for CCD and CTX entries only)
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Savings Account Credit Records
32 - Automated Deposit
33 - Prenotification of Savings Credit Authorization; Death Notification (non-dollar);
Automated Enrollment Entry (non-dollar)
34 - Zero dollar with remittance data (for CCD and CTX entries only); Acknowledgment
Entries (ACK and ATX entries only)
Savings Account Debit Records
37 - Automated Payment
38 - Prenotification of Savings Debit Authorization (non-dollar)
39 - Zero dollar with remittance data (for CCD and CTX entries only)
Financial Institution General Ledger Credit Records
42 - Automated General Ledger Deposit (Credit)
43 - Prenotification of General Ledger Credit Authorization (non-dollar)
44 - Zero dollar with remittance data (for CCD and CTX entries only)
Financial Institution General Ledger Debit Records
47 - Automated General Ledger Payment (Debit)
48 - Prenotification of General Ledger Debit Authorization (non-dollar)
49 - Zero dollar with remittance data (for CCD and CTX only)
Loan Account Credit Records
52 - Automated Loan Account Deposit (Credit)
53 - Prenotification of Loan Account Credit Authorization (non-dollar)
54 - Zero dollar with remittance data (for CCD and CTX entries only)
Transaction Code Usage/Purpose Information
42 – General Ledger Credit - Deposit Funds
43 – General Ledger Credit Prenote - Prenotification/Authorization ($0 Deposit)
47 – General Ledger Debit – Withdraw Funds
48 – General Ledger Debit Prenote - Prenotification/Authorization ($0 Withdraw)
Allows the ACH originator to make payments directly to (General Ledger Credit) or
collect payments directly from (General Ledger Debit) a General Ledger Account. For
example, an FI could request that a vendor submit ACH payments using transaction
code 42 so the payment posts automatically to their General Ledger. The Prenote
allows originator to verify, with a zero dollar file, that all the information in the file is
correct.
________________________
52 – Loan Account Credit – Deposit Funds
53 – Loan Account Prenote - Prenotification/Authorization ($0 Deposit)
Allows the ACH originator to send payments or credits to a loan account. The Prenote
allows originator to verify, with a zero dollar file, that all the information in the file is
correct (i.e. routing and loan account number).
________________________
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File Formats
24 – Zero Dollar Remittance Demand Credit
29 – Zero Dollar Remittance Demand Debit
34 – Zero Dollar Remittance Savings Credit
39 – Zero Dollar Remittance Savings Debit
44 – Zero Dollar Remittance GL Credit
49 – Zero Dollar Remittance GL Debit
54 – Zero Dollar Remittance Loan Credit
These transactions are live zero dollar payments which contain payment related
remittance information. A zero dollar payment may be made in the following situation:
Customer XYZ has been issued a credit invoice on Account 12345 for $100 and a
payment invoice on Account 56789 for $100. The net payment for Customer XYZ is $0.
Customer XYZ may choose to make a payment of $0 with two remittance details:
1. Account 12345 for $100 Credit and
2. Account 56789 for $100 debit.
Zero dollar payment transactions do not transfer funds but are forwarded to business
customer by its financial institution with all other payments, since the remittance
information contains payment related information to be applied to the business
customer's accounts. Zero dollar payments may also be used to test business
customer’s ability to receive a payment and remittance from a customer and properly
translate the content prior to live dollar transactions. All remittance information sent with
these 'test' zero dollar payment transactions MUST also contain zero dollar payment
amounts.
Create a Delimited ACH Map
These are the step-by-step instructions for creating then importing a Delimited ACH
text file. Instructions for importing Standard ACH files may be found in the Help menu.
The Delimited ACH Map allows you to define the file layout so the Import process can
identify the structure and intent of the file being imported. Import file layout definitions
are stored and maintained as ACH Import Maps.
The Delimited Map function allows you to define the delimiter and where each piece of
the participant’s data is located in the file.
•
•
The Map Type allows you to define a map that will Add, Update or Delete
participants in the participant database.
Map Name allows you to describe the file being imported and will be distinguish
it from previous imports. Because the created maps are saved and are reuseable, you should create a map name that can be used to identify the type of
map that was created.
Note: Special characters are not allowed in the map name.
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•
The Delimiter drop down menu lets you select the appropriate delimiter used in
the file you are importing, i.e. comma separated values (CSV) choose the
comma (‘,’). The allowed delimiters are as follows:
• Comma (,)
• Colon (:)
• Semi-Colon (;)
• Backslash (\)
• Forward Slash (/)
• Pipe (|)
•
End of Record ID – Select the appropriate record/line terminator from the drop
down menu. For example, in comma delimited or CSV files the record/line
terminator is a “New Line” character which is automatically created when being
imported.
•
Skip First Header Record – If the file you are importing contains a header,
select Yes; if the file only contains data records and a header is not in the file,
select No.
•
Total Number of Fields in Record/line – Enter the number of columns/fields in
the file. For Example, if you file contains a column for Name, Address, Routing
Number, Account Number, Transaction Code and Employee ID, the number of
columns/fields would be 6.
•
Strip Quotes (“”) around Fields – Select Yes if the fields/columns in the file
being imported contain quotes at the beginning and end of the fields/columns,
select No if they do not.
•
Amount Field Contains Punctuation(s) – Select Yes if the file being imported
contain punctuations ($,.) in the amount field/column; Select No if the amount
field does not contain punctuation(s).
Note: The 'Delimiter' and the 'End of Record Id' cannot be the same.
Note: Excel files will typically wrap text fields in quotes. If you are unsure whether the
fields contain quotes, select Yes and the Import process will detect and remove if
needed.
Click on the Map Type option drop down menu and select the appropriate action for the
file being imported:
•
198
Add Only – Maps with this option will allow the user to add participant records to
the participant table and assign participant records to the user selected existing
batch template
File Formats
•
•
Update Only – Based on matching criteria, maps with this option will change any
participant records that exist in the Business Banking participant table with fields
from the imported file.
Add and Update – This Map is a combination of the ‘Add Only’ and ‘Update
Only’ processing modes.
• The ‘Add’ process will add participant records to the participant table and
assign participant records to the user selected batch template.
• The ‘Update’ process will employ a user selected matching criteria to
locate participant records that exist in the selected batch template. The
records will be changed using the update fields from the imported file.
•
Delete and Update – This Map is a combination of the ‘Delete’ and ‘Update
Only’ processing modes.
• The ‘Delete’ process will employ a user selected matching criteria to
locate participant records that exist in the Business Banking participant
table based on the selected batch template but do not exist in the file. This
map type will remove association of unmatched participants from the
selected batch template.
• The ‘Update’ process will use a user selected matching criteria to locate
participant records that exist in the selected batch template. Matched
participants will be changed using the update fields from the imported file.
•
Add, Update, and Delete – Maps with this option add participants to the
participant table, update existing participant's within the ACH participant table
and delete participants from a selected batch template.
NOTE: For Add, Update and Delete Maps you must perform the import twice:
1. Import Delimited or Fixed file as an Add Only and select the appropriate Batch
Template the import should affect.
2. Import Delimited or Fixed file as a Delete and Update and select the
appropriate Batch Template the import should affect.
Note: If the imported file contains participant records that don't exist in the template or
the record for update is not found based on matching criteria, then those participants
are added to the participant table and assigned to the selected batch template.
Note: The 'Delete' process will disassociate the participant from the selected batch
template, the participant is not deleted from the participant table.
When importing a Delimited file, for each record/field that can be imported in a file,
there is a Field Name.
The fields available for Import are:
• Tran Code (Numeric - 2 digits)
• FI Routing Number (Numeric - check digit calculation)
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•
•
•
•
•
Account Number (Alphameric - 17 maximum digits - see table below)
Amount (Numeric - 10 maximum digits, 14 maximum digits if punctuations are in
the file)
Participant ID (Alphameric - 15 maximum digits – see table below)
Participant Name (Alphameric – 22 maximum digits – see table below)
Addenda Data (Alphameric – 80 maximum digits – see table below)
The following are allowed characters in the fields that are designated as Alphameric,
all else, are numeric fields:
• a-z (Alpha – lower case)
• A-Z (Alpha – upper case)
• 0-9 (Numeric)
• SPACE (space or blank can be used, but cannot be all spaces or blanks on
selected fields)
• “.” (period)
• “(“ (left parenthesis)
• “)” (right parenthesis)
• “$” (dollar sign)
• “-” (hyphen)
• “?” (question mark)
• “@” (at sign)
• “#” (pound sign)
• “!” (exclamation mark)
• “%” (percent sign)
• “_” (under score)
• “~” (tilde)
• “=” (equals sign)
• “+" (plus sign)
The Field Name actions are defined as Match, Update, and Replacement Value.
• The Match column is used to indicate what data fields in the file being imported
will be used to match to an existing participant record in the participant table.
• The Update column is used to update the information in the participant table with
the data in the import file.
• The Replacement Value is information either not in the file being imported or is a
change that will affect all matched participants in the import file.
• The Position Field allows the user to define the location of the Field Names within
the imported file.
Note: The match and update fields cannot be the same.
Add Only Map Type:
1. Define the first 6 Field Positions in the Position column (Addenda is optional).
2. Please note that the Match and Update columns are not editable, all positions
needs to be defined for a Add Only map.
3. Do not define a Replacement Values.
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File Formats
Add and Update Map Type:
1. Define the first 6 Field Positions in the Position column (Addenda is optional)
2. Check at least one of the field boxes in the Update column, i.e. if you are
updating the Amount for each employee in a Direct Deposit file, you would check
the Update box for the Amount field.
3. Select the field(s) to Match based on the following criteria:
• If matching with the Participant ID, Participant Name, or Account Number
only one Match is required, criteria to ensure the correct participant(s) are
updated.
• If matching with the FI Routing Number you must select an additional field
to Match.
Note: If you assign a Replacement Value, that value will apply to all matched
participants within the import file including adding participants.
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Update Only Map Type:
1. Check at least one of the boxes in the Update column and define the Field
Position for that field.
2. Select the field(s) to Match based on the following criteria:
• If matching with the Participant ID, Participant Name, or Account Number
only one Match is required, however it is recommended that you select a
minimum of two Match criteria to ensure the correct participant(s) are
updated.
• If matching with the FI Routing Number you must select an additional field
to Match.
Note: If you select Replacement Value, that value will apply to all matched
participants within the import file including adding participants
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File Formats
Delete and Update Map Type:
1. Check at least one of the boxes in the Update column and define the Field
Position for that field.
2. Select the field(s) to Match based on the following criteria:
• If matching with the Participant ID, Participant Name, or Account Number
only one Match is required, however it is recommended that you select a
minimum of two Match criteria's to ensure the correct participant(s) are
updated.
• If matching with the FI Routing Number you must select an additional field
to Match.
Note: If you select Replacement Value, that value will apply to all matched
participants within the import file. Participants are removed from the selected batch
template; they will not be deleted from the participant table.
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Commercial Customer Platform 5.1 User Guide
Add, Update, and Delete Map Type:
This Map Type requires that you import the file twice, once to Add only and a
second time to Delete and Update.
1. Define the first 6 Field Positions in the Position column (Addenda is
optional
2. Check at least one of the boxes in the Update column and define the Field
Position for that field.
3. Optional: Assign Replacement Values if applicable. Replacement
Values cannot be used where an Update is being performed.
4. Select the field(s) to Match based on the following criteria:
• If matching with the Participant ID, Participant Name, or Account
Number only one Match is required, however it is recommended
that you select a minimum of two Match criteria to ensure the
correct participant(s) are updated.
• If matching with the FI Routing Number you must select an
additional field to Match.
Note: If you select Replacement Value, that value will apply to all participants within
the import file.
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File Formats
Importing Delimited or Fixed Length ACH Map:
1. Select the Map you have just submitted from the Map Selection screen.
2. Under File Selection click Browse and locate the Delimited or Fixed text file for
import.
3. Under Batch/Process Mode Selection section the appropriate Map Type
option.
4. Under Batch/Process Mode Selection section the appropriate Batch Template
the import should affect.
5. Click Import.
Note: For Add, Update and Delete Maps you must perform the import twice:
1. Import Delimited or Fixed text file as an Add Only under Batch/Process Mode
Selection section and select the appropriate Batch Template the import should
affect.
2. Import Delimited or Fixed text file as an Delete and Update under
Batch/Process Mode Selection section and select the appropriate Batch
Template the import should affect.
Please access the ACH Activity or Approve/View ACH Activity screen to view your
pending import job.
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A confirmation screen will be displayed with the Reference number of the Import.
Navigate to the ACH Activity or Approve/View ACH Activity screen:
You will be able to preview, approve or cancel the Pending Delimited/Fixed Import
Jobs. Cancel will delete pending activity and removes the job from the preview.
Approval will commit the changes to the participants and selected batch templates.
Note: Pending Jobs will be deleted after 24 hours.
Select the View ACH Activity option from the Payments & Transfers main menu and
verify the delimited import file is available for approval. The imported file can be located
using the reference number and appears in the Pending Delimited/Fixed Import Jobs
section with a status of Waiting for Approval.
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File Formats
Once you have previewed and verified the changes, select the check box for the Import
job and then click the Approve button. The completion of the Approval process will
store the changes to the participant table and move the Pending Delimited/Fixed Import
Job to the Complete Delimited or Fixed Import Jobs section with an approved status.
Create a Fixed ACH Map
These are the step-by-step instructions for creating then importing a Fixed ACH text
file. Instructions for importing Standard ACH files may be found in the Help menu.
The Fixed ACH Map allows you to define the file layout so the Import process can
identify the structure and intent of the file being imported. Import file layout definitions
are stored and maintained as ACH Import Maps.
The Fixed ACH Map allows you to define the start and end positions of the participant’s
data within the file.
1. The Map Type allows you to define a action that will Add, Update or Delete
participants in the participant database.
2. Map Name allows you to describe the file being imported and will be distinguish
it from previous imports. Because the created maps are saved and are reuseable, the user should create a map name that can be used to identify the type
of map that was created. Note: Special characters are not allowed in the map
name.
3. Skip First Header Record – if the file you are importing contains a header,
select Yes; if the file only contains data records and a header is not in the file,
select No.
4. Length of Record/line – Enter the record length in the fixed format file to be
imported, carriage return must be included.
5. Amount Field Contains Punctuation(s) – Select Yes if the file being imported
contain punctuations ($,.) in the amount field/column; Select No if the amount
field does not contain punctuation(s).
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6. Start and Length Positions – The Map Type you selected will determine the
requirements for completing if the map type is a Add, Match or Update.
Click on the Map Type option drop down menu and select the appropriate action for the
file being imported:
• Add Only – Maps with this option will allow the user to add participant records to
the participant table and assign participant records to the user selected existing
batch template
•
Update Only – Based on matching criteria, maps with this option will change any
participant records that exist in the Business Banking participant table with fields
from the imported file.
•
Add and Update – This Map is a combination of the ‘Add Only’ and ‘Update
Only’ processing modes.
• The ‘Add’ process will add participant records to the participant table and
assign participant records to the user selected batch template.
• The ‘Update’ process will employ a user selected matching criteria to
locate participant records that exist in the selected batch template. The
records will be changed using the update fields from the imported file.
•
Delete and Update – This Map is a combination of the ‘Delete’ and ‘Update
Only’ processing modes.
• The ‘Delete’ process will employ a user selected matching criteria to
locate participant records that exist in the Business Banking participant
table based on the selected batch template but do not exist in the file. This
map type will remove association of unmatched participants from the
selected batch template.
• The ‘Update’ process will use a user selected matching criteria to locate
participant records that exist in the selected batch template. Matched
participants will be changed using the update fields from the imported file.
•
Add, Update, and Delete – Maps with this option add participants to the
participant table, update existing participant's within the ACH participant table
and delete participants from a selected batch template.
NOTE: For Add, Update and Delete Maps you must perform the import twice:
1. Import Delimited or Fixed file as an Add Only and select the appropriate Batch
Template the import should affect.
2. Import Delimited or Fixed file as a Delete and Update and select the appropriate
Batch Template the import should affect.
Note: If the imported file contains participant records that don't exist in the template or
the record for update is not found based on matching criteria, then those participants
are added to the participant table and assigned to the selected batch template.
208
File Formats
Note: The 'Delete' process will disassociate the participant from the selected batch
template, the participant is not deleted from the participant table.
When importing a Delimited or Fixed Length file, for each record/field that can be
imported in a file, there is a Field Name.
The fields available for Import are:
• Tran Code (Numeric - 2 digits)
• FI Routing Number (Numeric - check digit calculation)
• Account Number (Alphameric - 17 maximum digits - see table below)
• Amount (Numeric - 10 maximum digits, 14 maximum digits if punctuations are in
the file)
• Participant ID (Alphameric - 15 maximum digits – see table below)
• Participant Name (Alphameric – 22 maximum digits – see table below)
• Addenda Data (Alphameric – 80 maximum digits – see table below)
•
The following are allowed characters in the fields that are designated as Alphameric,
all else, are numeric fields:
• a-z (Alpha – lower case)
• A-Z (Alpha – upper case)
• 0-9 (Numeric)
• SPACE (space or blank can be used, but cannot be all spaces or blanks on
selected fields)
• “.” (period)
• “(“ (left parenthesis)
• “)” (right parenthesis)
• “$” (dollar sign)
• “-” (hyphen)
• “?” (question mark)
• “@” (at sign)
• “#” (pound sign)
• “!” (exclamation mark)
• “%” (percent sign)
• “_” (under score)
• “~” (tilde)
• “=” (equals sign)
• “+" (plus sign)
The Field Name actions are defined as Match, Update, and Replacement Value.
• The Match column is used to locate the participant record that exists in the
participant table and match with the participant data in the import file.
• The Update column is used to update the information in the participant table with
the data in the import file.
• The Replacement Value is information either not in the file being imported or is
a change that will affect all matched participants in the import file.
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Commercial Customer Platform 5.1 User Guide
•
The Position Field allows the user to define the location of the Field Names
within the imported file.
Add Only Map Type:
1. Define the first 6 Field Positions in the Position column (Addenda is optional).
2. Please note that the Match and Update columns are not editable, only Start and
Length Positions needs to be defined for a Add only map.
3. Do not define a Replacement Values.
Add and Update Map Type:
1. Define the Start and Length Positions for the first 6 Field Positions in the
Position column (Addenda is optional).
2. Check at least one of the field boxes in the Update column, i.e. if you are
updating the Amount for each employee in a Direct Deposit file, you would check
the Update box for the Amount field.
3. Select the field(s) to Match based on the following criteria:
• If matching with the Participant ID, Participant Name, or Account Number
only one Match is required, however it is recommended that you select a
minimum of two Match criteria to ensure the correct participant(s) are
updated.
• If matching with the FI Routing Number, you must select an additional field
to Match.
Note: If you assign a Replacement Value, that value will apply to all matched
participants within the import file.
210
File Formats
Update Only Map Type:
1. Check at least one of the boxes in the Update column and define the Start and
Length Positions for that field.
2. Check either or both the Participant Name and/or Participant ID in the Match
column and define the Start and Length Positions for each field selected in the
Match column.
3. Select the field(s) to Match based on the following criteria:
• If matching with the Participant ID, Participant Name, or Account Number
only one Match is required, however it is recommended that you select a
minimum of two Match criteria's to ensure the correct participant(s) are
updated.
• If matching with the FI Routing Number you must select an additional field
to Match.
Note: If you select Replacement Value, that value will apply to all participants within
the import file.
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Delete and Update Map Type:
1. Check at least one of the boxes in the Update column and define the Start and
Length Positions for that field.
2. Check either or both the Participant Name and/or Participant ID in the Match
column and define the Start and Length Positions for each field selected in the
Match column.
3. Select the field(s) to Match based on the following criteria:
• If matching with the Participant ID, Participant Name, or Account Number
only one Match is required, however it is recommended that you select a
minimum of two Match criteria to ensure the correct participant(s) are
updated.
• If matching with the FI Routing Number you must select an additional field
to Match.
Note: If you select Replacement Value, that value will apply to all matched
participants within the import file. Participants are deleted from the selected batch
template; they will not be deleted from the participant table.
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File Formats
Add, Update, and Delete Map Type:
This Map Type requires that you import the file twice, once to Add Only and a
second time to Delete and Update.
1. Define the Start and Length Positions for the first 6 Field Positions in the
Position column (Addenda is optional).
2. Check at least one of the boxes in the Update column.
3. Optional: Assign Replacement Values if applicable. Replacement Values
cannot be used where an Update is being performed.
4. Select the field(s) to Match based on the following criteria:
• If matching with the Participant ID, Participant Name, or Account Number
only one Match is required, however it is recommended that you select a
minimum of two Match criteria's to ensure the correct participant(s) are
updated.
• If matching with the FI Routing Number you must select an additional field
to Match.
Note: If you select Replacement Value, that value will apply to all matched
participants within the import file.
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Importing Fixed Length ACH Map:
1. Select the Map you have just submitted from the Map Selection screen.
2. Under File Selection click Browse and locate the Delimited or Fixed text file for
import.
3. Under Batch/Process Mode Selection section the appropriate Map Type
option.
4. Under Batch/Process Mode Selection section the appropriate Batch Template
the import should affect.
5. Click Import.
Note: For Add, Update and Delete Maps you must perform the import twice:
1. Import Delimited or Fixed text file as an Add Only under Batch/Process Mode
Selection section and select the appropriate Batch Template the import should
affect.
2. Import Delimited or Fixed text file as a Delete and Update under
Batch/Process Mode Selection section and select the appropriate Batch
Template the import should affect.
Please access the ACH Activity or Approve/View ACH Activity screen to view your
pending import job.
214
File Formats
A confirmation screen will be displayed with the Reference number of the Import.
Navigate to the ACH Activity or Approve/View ACH Activity screen:
You will be able to preview, approve or cancel the Pending Delimited/Fixed Import
Jobs. Cancel will delete pending activity and removes the job from the preview.
Approval will commit the changes to the participants and selected batch templates.
Note: Pending Jobs will purge after 24 hours.
Select the View ACH Activity option from the Payments & Transfers main menu and
verify the delimited import file is available for approval. The imported file can be located
using the reference number and appears in the Pending Delimited/Fixed Import Jobs
section with a status of Waiting for Approval.
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Once you have previewed and verified the changes, select the check box for the Import
job and then click the Approve button. The completion of the Approval process will
store the changes to the participant table and move the Pending Delimited/Fixed
Import Job to the Complete Delimited or Fixed Import Jobs section with an
approved status.
ARP File Formats Processing Method A
Issues Upload - Processing Method A
MICASH Fixed Column Length (AKA Proprietary ARP File Format)
Field
1
2
3
4
5
Data Element
Name
Record Code
Field
Inclusion
Requirement
Required
Required
Required
Required
Required
6
Bank Number
Constant Filler
Account Number
Filler
Transaction
Type
7
8
Action Indicator
Filler
Required
Required
216
Required
Validation /
Contents
Not Checked / "C"
Not Checked /
Numeric
Not Checked / "00"
Numeric
Not Checked / " "
'R' = Register
‘V’ = Void
'A' = Add
‘D’ = Delete
Not Checked / " "
Length
1
Position
001-001
3
2
10*
1
002-004
005-006
007-016
017-017
1
018-018
1
1
019-019
020-020
File Formats
9
10
Check Serial
Number
Required
Required
11
Check Amount
Check Issue
Date
12
13
User Data
Filler
Optional
Required
Required
Numeric
0nnnnnnnnn
$$$$$$$$¢¢ or
$$$$$$$.¢¢
MMDDYY
Alphanumeric /
Blank/Special
Characters
Not Checked
10
021-030
10
031-040
6
041-046
20
14
047-066
067-080
* The Account Number field may be configured up to a maximum length of 19 characters. Please contact
your financial institution for more information.
Additional file format requirements:

All numeric fields must be zero filled if not used, or right-justified zero
padded to the maximum length.
 Field #9 Check Serial Number is only 9 numerals in length 0nnnnnnnnn.

Field #12 may contain A-Z, a-z, 0-9, in addition to the following special
characters .,)($-?@#!%&_;:~|=+' as well as empty spaces. The use of quotes
("), forward slash (/), back slash (\) are not allowed in this format.

Field #13 should be blank filled.
Sample file:
C099000001162411 RA 05000020010999999.99050502firstaccount
C099000401502696 VA 00007520080000078945050502accoutnotrailingzero
C099000101439194 RD
00000000090000000001050102accountnottrailingzero
Method A- ASCII Text - Comma Delimited
Field
Data Element
Name
Field
Inclusion
Requirement
Contents
Maximum
Length
1
Account
Number
Required
Numeric
10*
2
Check Issue
Date
Required
MMDDYY
Or MMDDYYYY
6 or 8
3
Check Serial
Number
Required
Numeric
10
4
Check Amount
Required
5
Payee
Optional
$$$$$$$$¢¢
Or
$$$$$$$$.¢¢
Alphanumeric /
Blanks/ Special
Characters
10
40
217
Commercial Customer Platform 5.1 User Guide
6
User Data
Optional
7
Transaction
Type
Required
8
Action
Indicator
Alphanumeric /
Blanks/ Special
Characters
'R' =
Register
’V’ = Void
20
1
'A' = Add
’D’ = Delete
Required
1
* The Account Number field may be configured up to a maximum length of 19 characters. Please contact
your financial institution for more information.
Additional file format requirements:



The month portion of the check issue date must be zero padded when the month is a
single character. If using Excel to create this file, the date column must be set as text.
Otherwise you will get a date as “8” instead of “08”.
Optional fields must be delimited with commas, e.g.,. “,,”.
Fields 5 & 6 may contain A-Z, a-z, 0-9, in addition to the following special characters
.)($-?@#!%&_;:~|=+' as well as empty spaces. The use of quotes ("), forward slash (/),
back slash (\) and comma (,) are not allowed in this format.
Sample File:
2222222222,120808,1001,10201,Payee Name 1, ,R,A
2222222222,12082008,1002,102.02,Payee Name 2,fpb3,V,A
2222222222,120808,1003,10203,Payee Name 3,fpb3,R,D
2222222222,120808,1004,10204,Payee Name 4,fpb3,V,D
2222222222,120808,1005,102.05,Payee Name 5,fpb3,R,A
2222222222,120808,1006,102.06,Payee Name 6,fpb3,R,A
2222222222,120808,1007,102.07,Payee Name 7,fpb3,R,A
2222222222,120808,1008,102.08,Payee Name 8,fpb3,V,D
2222222222,120808,1009,102.09,Payee Name 9,fpb3,V,D
2222222222,120808,1010,102.10,Payee Name 10,,V,D
Method A - ASCII Text - Fixed Column Length
Field
Data
Element
Name
Field
Inclusion
Requirement
Contents
Maximum
Length
Positions
1
Account
Number
Required
Numeric
10*
001 - 010
2
Check Issue
Date
Required
MMDDYY
Or MMDDYYYY
6 or 8
011 - 018
3
Check Serial
Number
Required
Numeric
10
019 - 028
218
File Formats
4
Check
Amount
Required
5
Payee
Optional
6
User Data
Optional
7
Transaction
Type
Required
8
Action
Indicator
Required
$$$$$$$$¢¢
Or
$$$$$$$$.¢¢
Alphanumeric /
Blanks/
Special
Characters
Alphanumeric /
Blanks/
Special
Characters
'R' =
Register
’V’ = Void
'A' = Add
’D’ =
Delete
10
029 - 038
40
039 - 078
20
079 - 098
1
099 - 099
1
100 - 100
* The Account Number field may be configured up to a maximum length of 19 characters. Please
contact your financial institution for more information.
Additional file format requirements:
• There must be a carriage return at the end of each record (or line).
• All numeric fields must be zero filled if not used, or right-justified zero padded to
the maximum length.
• Fields 5 & 6 may contain A-Z, a-z, 0-9, in addition to the following special
characters .,)($-?@#!%&_;:~|=+' as well as empty spaces. The use of quotes ("),
forward slash (/), and back slash (\) are not allowed in this format.
ARP Issues Register Export
Comma Delimited
Field
Data
Element
Name
Field
Inclusion
Requirement
Contents
Maximum
Length
1
Account
Number
Required
Numeric
19
2
Check
Issue Date
Required
MMDDYY
6
3
Check
Serial
Number
Required
Numeric
10
219
Commercial Customer Platform 5.1 User Guide
4
Check
Amount
Required
$$$$$$$$.¢¢
10
5
Payee
Optional
Alphanumeric / Blanks
40
6
User Data
Optional
20
7
Status
Required
Alphanumeric / Blanks
/
0 = Outstanding
1 = Paid
2 = Paid No Issue
3 = Duplicate Paid
4 = Paid Void
5= Void
6 = Deleted
7 = Stop Pay
8 = Paid Over Stop
9 = Stale
10 = Amount
Mismatch
11 = Amount Max
12 = Unknown
99 = Not Found
2
ARP File Formats Processing Method B
Issues Upload - Processing Method B
MICASH Fixed Column Length (AKA Proprietary ARP File Format)
Field
1
2
3
Data Element
Name
Record Code
Field
Inclusion
Requirement
Required
Required
Required
6
Bank Number
Constant Filler
Account
Number
Filler
Transaction
Type
7
8
Action Indicator
Filler
Required
Required
4
5
220
Required
Required
Required
Validation /
Contents
Not Checked / "C"
Not Checked /
Numeric
Not Checked / "00"
Numeric
Not Checked / " "
'R' = Register
‘V’ = Void
'A' = Add
‘D’ = Delete
Not Checked / " "
Length
1
Position
001-001
3
2
002-004
005-006
10*
1
007-016
017-017
1
018-018
1
1
019-019
020-020
File Formats
9
10
Check Serial
Number
Required
Required
11
Check Amount
Check Issue
Date
12
13
User Data
Filler
Optional
Required
Required
Numeric
$$$$$$$$¢¢ or
$$$$$$$.¢¢
10
021-030
10
031-040
MMDDYY
Alphanumeric /
Blank/Special
Characters
Not Checked / " "
6
041-046
20
14
047-066
067-080
* Account number field may be configured to a maximum length of 19 characters. Please contact you
financial institution for more details.
Additional file format requirements:
 All numeric fields must be zero filled if not used, or right-justified zero padded to
the maximum field length.
 Field #9 Check Serial Number is only 9 numerals in length 0nnnnnnnnn.
 Field #12 may contain A-Z, a-z, 0-9, in addition to the following special
characters .,)($-?@#!%&_;:~|=+' as well as empty spaces. The use of quotes ("),
forward slash (/), and back slash (\) are not allowed in this format.
Sample file:
C099000001162411 RA 05000020010999999999050502firstaccount
C099000401502696 RA 00007520080000078945050502accoutnotrailingzero
C099000101439194 RA 00000000090000000001050102accountnottrailingzero
Method B- ASCII Text - Fixed Column Length
Field
Data
Element
Name
Field
Inclusion
Requirement
Contents
Maximum
Length
Positions
1
Account
Number
Required
Numeric
19
001 - 019
2
Check Issue
Date
Required
MMDDYYYY
8
020 - 027
3
Check Serial
Number
Required
Numeric
0nnnnnnnnn
10
028 - 047
4
Check
Amount
Required
10
038 - 047
5
Payee
Optional
40
048 - 087
$$$$$$$$¢¢
Or
$$$$$$$.¢¢
Alphanumeric /
Blanks /
Special
Characters
221
Commercial Customer Platform 5.1 User Guide
6
User Data
Optional
7
Transaction
Type
Required
8
Action
Indicator
Required
Alphanumeric /
Blanks /
Special
Characters
'R' =
Register
’V’ = Void
'A' = Add
’D’ =
Delete
20
088 - 107
1
108 - 108
1
109 - 109
Additional file format requirements:
 All numeric fields must be zero filled if not used, or right-justified zero padded to
the maximum length.
 Field #2 Check Issue Date must be MMDDYYYY. Zero pad the month if needed.
 Field #3 Check Serial Number has a length of 10 but must not exceed 9 numeric
values 0nnnnnnnnn.
 Fields #5 & #6 may contain A-Z, a-z, 0-9, in addition to the following special
characters .,)($-?@#!%&_;:~|=+' as well as empty spaces. The use of quotes ("),
forward slash (/), and back slash (\) are not allowed in this format.
Sample File:
22222222222222222220505200201234567890912345678this is a test for fixed column
lengh400versio0duedate111502RA
22222222222222222220505200201234567890012345678this is a test for fixed column
lengh400versio0duedate111502RA
22222222222222222220505200201234567890012345678this is a test for fixed column
lengh400versio0duedate111502RA
22222222222222222220505200201234567890012345678this is a test for fixed column
lengh400versio0duedate111502RA
22222222222222222220505200201234567890012345678this is a test for fixed column
lengh400versio0duedate111502RA
Method B - ASCII - Text Comma Delimited
Field
Data Element
Name
Field
Inclusion
Requirement
Contents
Maximum
Length
1
Account
Number
Required
Numeric
19
2
Check Issue
Date
Required
MMDDYY
Or MMDDYYYY
6 or 8
3
Check Serial
Number
Required
Numeric
10
222
File Formats
4
Check Amount
Required
5
Payee
Optional
6
User Data
Optional
$$$$$$$$¢¢
Or
$$$$$$$$.¢¢
Alphanumeric /
Blanks/ Special
Characters
Alphanumeric /
Blanks/ Special
Characters
7
Transaction
Type
Required
'R' = Register
’V’ = Void
1
8
Action
Indicator
Required
'A' = Add
’D’ = Delete
1
10
40
20
Additional file format requirements:
 The month portion of the check issue date must be zero padded when the month is a
single character. If using Excel to create this file, the date column must be set as text.
Otherwise you will get a date as “8” instead of “08”
 Optional fields must be delimited with commas, e.g. “,,”.
 Fields 5 & 6 may contain A-Z, a-z, 0-9 .)($-?@#!%&_;:~|=+' as well as empty spaces.
The use of quotes ("), forward slash (/), back slash (\), and commas (,) are not allowed
in this format.
Sample File:
2222222222,080803,1001,10201,Payee Name 1, ,R,A
2222222222,08082003,1002,102.02,Payee Name 2,fpb3,V,A
2222222222,080803,1003,10203,Payee Name 3,fpb3,R,D
2222222222,080803,1004,10204,Payee Name 4,fpb3,V,D
2222222222,080803,1005,102.05,Payee Name 5,fpb3,R,A
2222222222,080803,1006,102.06,Payee Name 6,fpb3,R,A
2222222222,080803,1007,102.07,Payee Name 7,,R,A
Glossary
Glossary
Automated Clearing House ( ACH ) - The ACH is a network of regional associations, inter-bank
associations, and private-sector processors. ACH payments are processed and settled
electronically, thereby increasing reliability, efficiency and cost effectiveness. ACH payments are
generally settled in one day or greater.
Batch - An ACH batch consists of a template (see below) and a collection of transactions having
the same purpose and effective date to be performed, and may also include addenda information.
Cash Concentration - The movement of funds from outlying depository locations to a central
bank account where they can be utilized and managed most effectively.
Cash Concentration or Disbursement ( CCD ) - The ACH payment format used for
concentration of funds between or within companies. A single 94-character record contains the
standard entry class indicating the type of transaction , routing and transit numbers of the ODFI
and RDFI and the originator and receiver account numbers. CCD is the only corporate ACH
223
Commercial Customer Platform 5.1 User Guide
format that does not have space for additional addenda information, but it does contain space for
a reference number.
Clearing House Interbank Payments System (CHIPS) - An independent, large dollar funds
transfer network operated by the New York Automated Clearing House (NYACH).
Company administrator  the customer , or a person assigned by the customer, who will have
administration responsibilities in the Commercial Customer Platform of Cash Management.
Customer  a bank’s customer, a thrift’s customer, or a credit union’s member.
Customer Information File number (CIF #)  the identification number, used by the Financial
Institution administrator , to access the customer’s information stored in the financial
institution’s host computer.
End user  an employee of the customer that is given access to Cash Management by the
company administrator .
FedWire - The Federal Reserve funds transfer system. FedWire transactions involve the
immediate, same day settlement of funds. FedWire instructions are irrevocable.
Financial Institution (FI)  a bank, thrift, or credit union.
Financial Institution administrator  an employee of the financial institution that is given access
to the Administration Platform of Cash Management by the financial institution super-user.
Financial Institution super-user  the financial institution employee responsible for assigning
Administration Platform access to financial institution administrators. Digital Insight will work with
your financial institution to determine the financial institution super-user(s) and provide them with
super-user access information.
Float - Time interval, or delay, between the start and completion of a specific phase or process
(check or electronic deposits, clearings etc.) that occurs along the cash flow timeline.
Initiate Batch - The Cash Management end user initiates an ACH batch by reviewing the
transfer information and assigning a settlement date. Once all of the information is deemed
correct by the user, the system creates a formatted NACHA file with all of the batch information.
Memo Posting - Posting electronic transactions early in the day when the actual debits or
credits will not be posted until later in the day.
NACHA File - The file that is actually transmitted to the clearing house for processing is called a
NACHA file.
National Automated Clearing House (NACHA) - A membership organization that provides
marketing and education assistance and establishes the rules, standards and procedures that
enable financial institutions to exchange ACH payments on a national basis.
Non-Repetitive (Free Form) Wire Transfers - All information contained within the wire
instruction is different each time the transaction takes place.
On-Us Transactions - Those items, either check or electronic, paid or deposited to and drawn
or debited on accounts from the same financial institution.
Originating Depository financial institution (ODFI) - The FI issuing an ACH file(s) on behalf of
its client.
Originator - The originator is the individual or organization that is initiating the ACH transmission.
For our purposes, the originator is the Commercial Customer using the Cash Management
system.
Participant - The participant is the individual or organization that will be affected by the ACH
transaction (payee or draftee). An ACH transaction may debit or credit a participant's account,
224
File Formats
e.g., a payroll deposit or a payment for services rendered. The participant information is
referenced by the ACH transaction.
Payable Through Draft (PTD) - A payment instrument resembling a check that is drawn against
a payor and not the bank. A draft is handled like a check through the clearing system, but the
responsibility for paying the draft lies with the drawee. Companies use PTDs to preserve the right
to review items prior to payment. (Example: Insurance companies viewing a car's damage before
issuing a claim check.)
Positive Pay - A service used to combat check fraud. The FI pays only those items with serial
numbers and dollar amounts matching the company's issue file.
Prearranged Payment or Deposit ( PPD ) - The ACH payment format by which consumers may
authorize credits or debits to their accounts by a company or financial institution. These are
normally recurring payments in fixed amounts.
Prenotifications (Prenotes) - Optional, zero-dollar entries that are sent to the ACH System and
then the receiving financial institution to verify instructions prior to sending live entries.
Receiving Depository Financial Institution (RDFI) - The FI that receives the ACH debits or
credits on behalf of an individual, or business client.
Society for Worldwide Interbank Financial Telecommunications (S.W.I.F.T) - The major
international Interbank telecommunications network that transmits international payment
instructions as well as other financial messages.
Template - The template contains the essential characteristics of the ACH batch, such as the
name of the template, the type (class code) of ACH transmission (CCD or PPD), and the offset
account. Although Cash Management only lists CCD & PPD, Cash Management will create the
appropriate CCD+/PPD+ ACH Batch if a participant with an addendum is associated with this
batch.
Transaction - An ACH transaction is an entry within the NACHA file that indicates how the
participant's account should be affected. The transaction includes a reference to the participant,
how the account is affected, and the amount.
Transit Routing Number - The MICR line on a check contains the transit routing number, which
the depository bank uses to route the check back to the drawee bank.
Zero Balance Account ( ZBA ) - A disbursement account on which checks are written even
though the balances in the accounts are maintained at zero. Debits are covered by a transfer of
funds from a master account at the same bank.
225
Glossary
A
ACH: The ACH is a network of regional associations, inter-bank associations, and
private-sector processors. ACH payments are processed and settled
electronically, thereby increasing reliability, efficiency and cost effectiveness.
ACH payments are generally settled in one day or greater.
ACH Batch: An ACH batch consists of a template (see below) and a collection of
transactions having the same purpose and effective date to be performed, and
may also include addenda information.
ACH Transaction: An ACH transaction is an entry within the NACHA file that indicates
how the participant's account should be affected. The transaction includes a
reference to the participant, how the account is affected, and the amount.
Automated Clearing House (ACH): The ACH is a network of regional associations,
inter-bank associations, and private-sector processors. ACH payments are
processed and settled electronically, thereby increasing reliability, efficiency and
cost effectiveness. ACH payments are generally settled in one day or greater.
B
Batch Template: The template contains the essential characteristics of the ACH batch,
such as the name of the template, the type (class code) of ACH transmission
(CCD or PPD), and the offset account. Although AXIS Cash Management only
lists CCD & PPD, the application will create the appropriate CCD+/PPD+ ACH
Batch if a participant with an addendum is associated with this batch.
C
Cash Concentration: The movement of funds from outlying depository locations to a
central bank account where they can be utilized and managed most effectively.
Cash Concentration or Disbursement (CCD): The ACH payment format used for
concentration of funds between or within companies. A single 94-character
record contains the standard entry class indicating the type of transaction, routing
and transit numbers of the ODFI and RDFI and the originator and receiver
account numbers. CCD is the only corporate ACH format that does not have
space for additional addenda information, but it does contain space for a
reference number.
CCD: The ACH payment format used for concentration of funds between or within
companies. A single 94-character record contains the standard entry class
indicating the type of transaction, routing and transit numbers of the ODFI and
RDFI and the originator and receiver account numbers. CCD is the only
corporate ACH format that does not have space for additional addenda
information, but it does contain space for a reference number.
227
Commercial Customer Platform 5.1 User Guide
CHIPS:
Clearing House Interbank Payments System (CHIPS): An independent, large dollar
funds transfer network operated by the New York Automated Clearing House
(NYACH).
Company Administrator: the customer, or a person assigned by the customer, who
will have administration responsibilities in the Commercial Customer Platform of
the application.
Customer: a bank's customer, a thrift's customer, or a credit union's member.
Customer Information File (CIF#): the identification number, used by the Financial
Institution administrator, to access the customer's information stored in the
financial institution's host computer.
E
EFTPS: Electronic Federal Tax Payment System is a government program to pay
federal tax obligations electronically.
End User: an employee of the customer that is given access to application by the
company administrator or a user administrator.
F
FedWire: The Federal Reserve funds transfer system. FedWire transactions involve the
immediate, same day settlement of funds. FedWire instructions are irrevocable.
FI (Financial Instituiton): a bank, thrift, or credit union
Financial Institution: a bank, thrift, or credit union
Financial institution administrator: an employee of the financial institution that is
given access to the Administration Platform of the application by the financial
institution super-user.
Float: Time interval, or delay, between the start and completion of a specific phase or
process (check or electronic deposits, clearings etc.) that occurs along the cash
flow timeline.
Freeform Wire: All information contained within the wire instruction is different each
time the transaction takes place.
G
Go ID Token Authentication: Token based multi-factor authentication available for
Wire Transfer, ACH and EFTPS.
I
Initiate Batch: The Cash Management end user initiates an ACH batch by reviewing
the transfer information and assigning a settlement date. Once all of the
228
Glossary
information is deemed correct by the user, the system creates a formatted
NACHA file with all of the batch information.
M
Memo Posting: Posting electronic transactions early in the day when the actual debits
or credits will not be posted until later in the day.
N
NACHA: A membership organization that provides marketing and education assistance
and establishes the rules, standards and procedures that enable financial
institutions to exchange ACH payments on a national basis.
NACHA File: The file that is actually transmitted to the clearing house for processing is
called a NACHA file.
National Automated Clearing House (NACHA): A membership organization that
provides marketing and education assistance and establishes the rules,
standards and procedures that enable financial institutions to exchange ACH
payments on a national basis.
O
ODFI: Originating depository financial institution, The FI issuing an ACH file(s) on behalf
of its client.
On-Us Transactions: Those items, either check or electronic, paid or deposited to and
drawn or debited on accounts from the same financial institution.
P
Participant: The participant is the individual or organization that will be affected by the
ACH transaction (payee or draftee). An ACH transaction may debit or credit a
participant's account, e.g., a payroll deposit or a payment for services rendered.
The participant information is referenced by the ACH transaction.
Payable Through Draft (PTD): A payment instrument resembling a check that is drawn
against a payor and not the bank. A draft is handled like a check through the
clearing system, but the responsibility for paying the draft lies with the drawee.
Companies use PTDs to preserve the right to review items prior to payment.
(Example: Insurance companies viewing a car's damage before issuing a claim
check.)
Positive Pay: A service used to combat check fraud. The FI pays only those items with
serial numbers and dollar amounts matching the company's issue file.
PPD: Prearranged Payment or Deposit, the ACH payment format by which consumers
may authorize credits or debits to their accounts by a company or financial
institution. These are normally recurring payments in fixed amounts.
229
Commercial Customer Platform 5.1 User Guide
Prenote: Optional, zero-dollar entries that are sent to the ACH System and then the
receiving financial institution to verify instructions prior to sending live entries.
R
RDFI: Receiving Depository Financial Institution, the FI that receives the ACH debits or
credits on behalf of an individual, or business client.
S
SWIFT: Society for Worldwide Interbank Financial Telecommunications (S.W.I.F.T) The major international Interbank telecommunications network that transmits
international payment instructions as well as other financial messages.
T
Transit Routing Number: The MICR line on a check contains the transit routing
number, which the depository bank uses to route the check back to the drawee
bank.
Z
ZBA: A disbursement account on which checks are written even though the balances in
the accounts are maintained at zero. Debits are covered by a transfer of funds
from a master account at the same bank.
230
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