Ach Templates by jvn42983

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									ACH Origination                                                                                                                       Business Link

  Funds Mgmt             Check Mgmt        Reporting            Administration
  ACH Origination



 ACH Origination facilitates the electronic transfer of funds via the ACH                  Creating a Template
 network, allowing originators to create Direct Deposit and Direct                         ACH templates allow the user to quickly create ACH funds-transfer
 Payment transactions, conduct e-commerce and make electronic                              transactions by pre-specifying repetitive information.
 submission of tax payments.
                                                                                           To make templates easy to manage and use, the system offers the ability to
 The ACH Origination module provides reporting capabilities, as well as                    organize them into groups. Templates in a template group share common fea-
 the ability to manually create and import transactions and the tem-                       tures. When modifying a template group, these and certain other values (i.e.,
 plates upon which those transactions are based. Additionally, NACHA-                      default amount, minimum and maximum transaction values) can be modified
 formatted transaction files can be routed directly to the ACH network.                    for all templates in the group at the same time.
 See the appropriate How Do I... help topics or the ACH Template Data
                                                                                           Some aspects of templates in a group can also be modified without
 Import, ACH Transaction Data Import, and NACHA Pass-Thru Quick
                                                                                           the user needing to individually access the templates within the group.
 Reference cards for additional information.
                                                                                           To create a template:
 Before funds can be transferred via ACH Origination, a template must
 be set up on the system to transfer the funds.                                              1. From the Funds Mgmt menu, select ACH Origination. The ACH
                                                                                                   Origination screen is displayed.
 Using the Create and Group Drop-Down Lists                                                  2. Click the Create tab.
 On the Create tab, the Create and Group drop-down lists allow quick access
                                                                                             3. Do one of the following:
 to some common features, and are the only means of access to others.
                                                                                                 •   Go directly to the Create ACH Template screen
   Create Drop-Down          Group Drop-Down      To...
           --                       --            Work with templates from the                       From the Create drop-down list, select New Group/Template.
                                                  Template Group List.
                                                                                                 •   Modify a group to add a template
   Batch with existing       Any group, including • Create transaction batches
   templates                 <All Templates> and    based on selected templates.                     By modifying a group to add a template, you gain the ability
                             <Ungrouped>                                                             to base the new template on an existing template in the
                                                  • Work with individual templates.
                                                                                                     template group. Do either of the following:
   One-off Transaction                --            Create a transaction without
                                                    using a template.                                •    From the Group drop-down list, select a group, then from
                                                                                                          the Create drop-down list select New Group/Template.
   New Group/ Template                --            Create a new group, a template
                                                    in an existing group, or an                      •    Click the group's modify/view hyperlink, then, on the Modify
                                                    ungrouped template.                                   Group/Template pane, click the Add Template button.
                             Any group, including   Create a new template in the
                                                                                                 The Create ACH Template pane is displayed.
                             <All Templates> or     selected group.
                             <Ungrouped>                                                     4. [If no group has been pre-selected] Specify a group name:
                                                    If <Ungrouped> is selected, the
                                                    template will be ungrouped by                •   No group
                                                    default.                                         From the Group name drop-down list, select <Ungrouped>.
   Modify Group/             Any group except       • Modify the entire group,                   •   Existing group
   Template                  <All Templates> or       and/or certain details for indi-
                             <Ungrouped>              vidual templates.                              From the Group name drop-down list, select the group name.
                                                    • Create transaction batches                 •   New group
                                                      based on selected templates.                   1. From the Group name drop-down list, select
                                                    • Work with individual templates.                   <New Group>.
                             <All Templates > or    • Modify individual templates.                   2. In the Group name field, enter a group name.
                             <Ungrouped>            • Create transaction batches                                                                             Continued
                                                      based on selected templates.
   Reversal                           --            Create a reversal transaction batch.
   Search Templates/                  --            Access the Reporting tab.
   Transactions




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ACH Origination (Cont’d)                                                                                            Business Link

 Creating a Template (Cont’d)
  5. [Optional] Duplicate an existing template in the selected group:       Approving Templates
      1. Click the Add like an Existing Template hyperlink. A pop-up        Depending on your company's configuration, approval may be required
         window is displayed, containing all templates in the selected      before a template can be used to create transactions.
         template group. ("<Ungrouped>," in this case, functions as a       Users validated for ACH Template Approve and assigned permissions to a
         separate group.)                                                   settlement account can approve templates associated with that account.
      2. Select the template to be copied.                                  Regardless of system validations, users can approve only those tem-
      3. Click the OK button. The pop-up window is closed, and the          plates that other users have created. Users may not approve their own
         template's information is applied to the current template.         templates.
         You may modify this information as necessary without               Templates are approved from the ACH - Templates pane of the Pending
         affecting the original template.                                   Items tab.
  6. If you are creating a new group or an ungrouped template:              Note: Templates should always be reviewed before approval.
      1. From the Company name drop-down list, if necessary, select         To approve ACH templates:
         the company name to be associated with the template. If              1. From the Funds Mgmt menu, select ACH Origination. The ACH
         only one company name may be associated with the tem-                    Origination screen is displayed.
         plate, the selection is made for you.
                                                                             2. On the Pending Items tab, in the ACH - Templates pane:
      2. From the Transaction type drop-down list, select the trans-
                                                                                 1. Review templates before approving them:
         action type to be created. See the "Supported SEC Codes"
         Quick Reference Card for information on the usage of each                   1. Click the view hyperlink to access the View ACH Template
         transaction type.                                                              pane.
      3. From the Offset account number drop-down list, select the                   2. Review template information.
         account against which the transaction will settle.                          3. Click the Cancel button to return to the Pending Items pane.
          Note: If you are adding a template to an existing group,               2. Approve the templates you have reviewed:
                these fields will be unavailable for modification.They
                                                                                     •   Single template
                may be changed for the entire group by modifying
                the group itself.                                                        Click the approve hyperlink associated with the template
                                                                                         to be approved.
  7. Provide transaction-specific information. See the system Help for
     field descriptions and additional instructions.                                 •   Multiple templates
  8. [Optional] If the same addenda is to be associated with all trans-                  1. Select the checkboxes associated with the templates
     actions based on the template:                                                         to be approved.
      1. In the Addenda row, click the add hyperlink. A pop-up win-                      2. Click the Approve button.
         dow is displayed.                                                           A confirmation message is displayed. The template is
      2. If selection of an addenda type is required, click the hyperlink            approved, and may be used to create transactions.
         associated with the template type to be used. Otherwise, the
         procedure continues with the next step.
      3. Provide the necessary addenda information.
      4. Click the Save button. The pop-up window closes.
      Note: Although addenda are optional for templates used to
            create MTE and POS-type transactions, the transactions
            themselves will require addenda. Addenda are optional
            for all other supported transaction types.
  9. Do one of the following:
      •   Click the Save button to save the template.
      •   Click the Save & Add Another button to save the template
          and remain on the Create tab to create another template.
ACH Origination (Cont’d)                                                                                               Business Link


 Creating Transaction Batches                                                  To create a transaction batch using multiple template groups:
 When a transaction is created, it is grouped with other transactions          Transaction batches can also be created using multiple template
 created at the same time into a “transaction batch.”                          groups at the same time. When multiple template groups are used,
 If, for example, you used nine templates in a “payroll” template group to     each selected template group is used to create a separate transaction
 initiate nine direct deposit transactions at the same time, all nine trans-   batch consisting of all active templates the group contains.
 actions would be grouped together into one transaction batch.                 Note: Templates with a default value of $0.00 are excluded from cre-
 Transaction batches may consist of one or more transactions. If you                   ated transaction batches.
 used each template in a “payroll” template group one after another to          1. From the Funds Mgmt menu, select ACH Origination. The ACH
 initiate nine direct deposit transactions, there will be nine transaction         Origination screen is displayed.
 batches, each consisting of one item.                                          2. Select the Create tab.
 ACH transaction batches can be created in any of three ways:                   3. Select the checkboxes associated with the template groups to be
    • Based upon a previously created template, an entire template group, or       used, or click the checkbox in the left-hand corner of the header
         multiple template groups.                                                 row to select all templates.
   •   Created without a template (a "one-time" or "standalone"                 4. Do one of the following:
       transaction).                                                                •   Specify individual settlement dates for each transaction batch
   •   Imported into the system from an externally generated file.                      In the Settlement Date field associated with each transac-
 To create a transaction batch using an entire template group:                          tion batch, enter a valid settlement date.
   1. From the Funds Mgmt menu, select ACH Origination. The ACH                     •   Specify one settlement date for all transaction batches
       Origination screen is displayed.                                                 1. Click the [change selected] hyperlink in the Settlement
   2. Select the Create tab. If any template groups exist, the Template                    Date header row. A prompt is displayed in a pop-up window.
      Group List pane is displayed.                                                     2. Enter a valid settlement date.
   3. Click the use hyperlink associated with the group to be used. The                 3. Click the OK button. The pop-up window is closed, and
      Create Transactions pane is displayed.                                               the specified date is entered for you into the fields asso-
   4. Do any or all of the following:                                                      ciated with selected checkboxes.
       •   Make changes in each transaction's Recipient Name,                   5. Click the Create Batch button. Transaction batches are created
           Recipient ID, or Amount fields as necessary.                            for each selected template group, and a confirmation message is
       •   Add, modify, or remove addenda for individual transactions              displayed. These transaction batches include all active templates
           by clicking the add, modify, or clear hyperlinks associated             within the associated group whose value is greater than $0.00.
           with those transactions.                                                 Created transaction batches are sent to the Transaction Batches
       •   Click a transaction's exclude hyperlink to exclude it from the           pane in the Pending Items tab, and assigned a status of either
           transaction batch. (To help protect against errors, the trans-           "awaiting approval" or "awaiting submission."
           action will not disappear from the batch on the Create                   Note: If the transaction batch status is "awaiting approval,"
           Transactions screen; instead, the value in the Amount field                    another user must approve the transaction batch before it
           will become 0.00, and 0-dollar transactions will not be                        can be submitted.
           included in the batch when the batch is saved.)                      6. On the Pending Items tab, submit the transaction batches.
           You can also exclude a transaction by entering 0 in its                                                                           Continued
           Amount field, or by deleting the amount in its Amount field.
   5. Click the Save button.
       The transaction batch is created, sent to the Transaction Batches
       pane in the Pending Items tab, and assigned a status of either
       "awaiting approval" or "awaiting submission."
 Note: If the transaction status is "awaiting approval," another user
       must approve the transaction before it can be submitted.
   6. On the Pending Items tab, submit the transaction batch.


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ACH Origination (Cont’d)                                                                                                  Business Link

 Creating Transaction Batches (Cont’d)
 To create a transaction batch using individual templates:                     Notes:
   1. From the Funds Mgmt menu, select ACH Origination. The ACH                     •   If the transaction batch status is "awaiting approval," another user
       Origination screen is displayed.                                                 must approve the transaction batch before it can be submitted.
  2. Select the Create tab.                                                         •   If you used templates to create multiple transactions of dif-
  3. From the Create drop-down list, select Batch with existing                         ferent types, each transaction type is broken into its own
     templates. All available templates are displayed.                                  transaction batch on the Pending Items tab, and must be
                                                                                        separately approved (if necessary) and submitted.
  4. From the Group drop-down list, do one of the following:
                                                                                8. On the Pending Items tab, submit the transaction batch.
      •   Create transactions based on the templates in a single tem-
          plate group                                                          To create a one-time transaction:
          Select the group in which the templates are located.                   1. From the Funds Mgmt menu, select ACH Origination. The ACH
      •   Create transactions based on ungrouped templates                           Origination screen is displayed.

          Select <Ungrouped>.                                                   2. Select the Create tab.

      •   Create transactions based on templates in a number of                 3. From the Create drop-down list, select One-off Transaction. The
          groups (including the <Ungrouped> group)                                 Create One-off ACH Transaction pane is displayed.

          Select <All Templates>.                                               4. Provide the required information. See the system Help for field
                                                                                   descriptions and additional instructions.
      The "Create a Batch with existing templates pane" is displayed.
                                                                                5. [Optional] Click the Add Another button to add another row into
  5. Do one of the following:                                                      which you can enter another transaction to be included in the
      •   Create a single transaction                                              same transaction batch.
          Click the use hyperlink associated with the template to be used.          Note: All transactions in a single one-off batch must be of the
      •   Create multiple transactions                                                    same type.
          1. Select the checkboxes associated with the templates to             6. Click the Save button.
             be used, or click the checkbox in the left-hand corner of              The transaction batch is created, sent to the Transaction Batches
             the header row to select all templates.                                pane in the Pending Items tab, and assigned a status of either
          2. Click the Create Batch button.                                         "awaiting approval" or "awaiting submission."
      The Create a New ACH Transaction pane is displayed, with trans-               Note: Although you may use the Add Another button to add as
      action information filled in for you based on the information                       many transactions rows as desired, no transaction will be
      contained in the selected templates.                                                saved until the Save button is clicked.
  6. Make any necessary changes. See the system Help for field                  7. On the Pending Items tab, submit the transaction batch.
     descriptions and additional instructions.                                      Note: If the transaction status is "awaiting approval," another user
      Notes:                                                                              must approve the transaction before it can be submitted.
      •   If you select a group other than "All Templates" or
          "Ungrouped," the system assumes you want to create a batch
          that shares common details. Accordingly, all information not
          specific to a particular transaction is provided once for the
          entire batch.
      •   If you select the "All Templates" group, the transactions you cre-
          ate are not associated with any group for reporting purposes.
  7. Click the Save button.
      The transaction batches are created, sent to the Transaction
      Batches pane in the Pending Items tab, and assigned a status of
      either "awaiting approval" or "awaiting submission."
ACH Origination (Cont’d)                                                                                            Business Link



 Modifying Transaction Batches                                            Submitting Transaction Batches
 You can modify transaction batches with the status “Awaiting             To submit pending transaction batches:
 Submission,”“Rejected,”“Awaiting Approval,” or “Stale Date.”               1. From the Funds Mgmt menu, select ACH Origination. The ACH
 To modify a transaction batch:                                                 Origination screen is displayed.
   1. From the Funds Mgmt menu, select ACH Origination. The ACH            2. On the Pending Items tab, in the Transaction Batches pane:
      Origination screen is displayed.                                         •   To submit a single transaction
  2. On the Pending Items tab, click the modify hyperlink associated               Click the submit hyperlink associated with the transaction to
     with the batch to be modified.The Modify ACH Transactions screen              be submitted.
     is displayed.
                                                                               •   To submit multiple transactions
  3. Make the necessary changes.
                                                                                   1. Select the checkboxes associated with the transactions to
  4. Click the Save button.                                                           be submitted.
 Note: If a modified transaction requires approval, it must be approved            2. Click the Submit button.
       again—even if it was approved prior to modification.
                                                                               The Submit Confirmation screen is displayed.
 Approving Transaction Batches                                             3. [Optional] To print the confirmation, click the Print button. Make
 Depending on the settings for your company, approvals may be                 the necessary selections in the Print dialog box, then click the
 required before a transaction batch can be submitted for processing.         OK button.
 Regardless of system validations, users can approve only those            4. Click the OK button to close the confirmation screen and return
 transaction batches that other users have created. Users may not             to the Pending Items tab.
 approve their own transaction batches.
                                                                          Deleting Transaction Batches
 Note: To approve a transaction batch, users must be validated for
         ACH Approve.                                                     To delete a pending transaction batch:
                                                                            1. From the Funds Mgmt menu, select ACH Origination. The ACH
 To approve pending transaction batches:
                                                                                Origination screen is displayed.
   1. From the Funds Mgmt menu, select ACH Origination. The ACH
                                                                           2. On the Pending Items tab, in the Transaction Batches pane:
       Origination screen is displayed.
                                                                               •   To delete a single transaction
  2. On the Pending Items tab, in the Transaction Batches pane:
                                                                                   Click the delete hyperlink associated with the transaction to
      •   To approve a single batch
                                                                                   be deleted.
          Click the approve hyperlink associated with the batch to
                                                                               •   To delete multiple transactions
          be approved.
                                                                                   1. Select the checkboxes associated with the transactions to
      •   To approve multiple batches
                                                                                      be deleted.
          1. Select the checkboxes associated with the batches to
                                                                                   2. Click the Delete button.
             be approved.
                                                                               A confirmation dialog box is displayed in a pop-up window.
          2. Click the Approve button.
                                                                           3. Click the OK button to delete the transaction.
 If the user is validated for batch submission and the required number
 of approvals have been given, the approve hyperlinks are replaced
 by submit hyperlinks. The transaction batches are now ready to
 be submitted.




                                                                                                                                            3 of 3
ACH Origination (Cont’d)                                                          Business Link


 Reversing Transaction Batches
 Reversals are transactions created to offset previously-issued transactions. A
 reversal does not "undo" the original transaction; the original transaction
 remains valid, but a new transaction of equal value is created to debit (to
 reverse a credit) or credit (to reverse a debit) the affected account.
 Users with the appropriate validations can issue reversals for transac-
 tions that settled in the past five business days.
 Both transaction batches and individual transactions can be reversed.
 Reversals are issued in a transaction batch that must be submitted.
 Note: Once you have created a reversal for a transaction or a transaction
          batch, a second reversal cannot be created for that transaction
          or batch.
 To issue a reversal:
   1. From the Funds Mgmt menu, select ACH Origination. The ACH
        Origination screen is displayed.
   2. Click the Create tab.
   3. From the Create drop-down list, select Reversal. The Reversal
      pane is displayed, listing all reversible transaction batches.
   4. Do one of the following:
       •   To reverse a single transaction in a transaction batch
           1. Click the details hyperlink associated with the batch con-
              taining the transaction(s) to be reversed. The Reverse an
              ACH Transaction pane is displayed.
           2. Click the reverse hyperlink associated with the transac-
              tion to be reversed.
       •   To reverse an entire transaction batch
           Click the reverse hyperlink associated with the batch to be
           reversed. The Reverse ACH Transactions pane is displayed.
   5. Click the Save button to create a transaction batch consisting of
      all transactions in the selected batch that are to be reversed.
   6. Submit the reversal transaction batch.
ACH: Supported SEC Codes                                                                                                                      Business Link

  Funds Mgmt            Check Mgmt           Reporting            Administration
  ACH Origination



 The system supports transactions created with the following Standard Entry Class (SEC) codes:
   CCD CR:     Cash disbursement to remote accounts for       CCD DB: Cash concentration from remote accounts for PPD CR: Prearranged payment to remote accounts for
               corporate payments.                                    corporate collections.                              consumer or payroll payments.

   PPD DB: Prearranged collection from remote accounts ARC DB: Convert checks received by mail to ACH                    BOC DB: Convert checks processed in the back office
           for payroll or corporate collections.               transactions.                                                     to ACH transactions.

   RCK DB: Initiate debit transactions in place of            MTE DB: Entries initiated by a consumer through            CIE CR:     Entries initiated by a consumer through
           paper checks that were returned for                        direct contact with an originator, including                   direct contact with an originator such as a
           insufficient funds.                                        automated teller machines.                                     bill payment system.
   POP DB: Convert to an ACH transaction a check that POS DB: Convert to an ACH transaction a payment
                                                                                                                         WEB DB: Transactions initiated by a customer via the
           was presented in person and not immediate-         made with a merchant card scanned at the
                                                                                                                                 Web.
           ly returned to the customer.                       point of sale.

   TEL DB:     Transactions initiated by a customer over
               the telephone.


 Template and transaction creation requires that you provide certain data; other data is optional. Per the chart below, depending on the SEC code
 associated with the template/transaction being created, the rules may vary as to which data is required and/or optional.

                                                                                                 SEC Code
                    Field
                                     PPD              CCD         CIE        MTE          TEL       ARC          BOC          RCK          POP         POS          WEB
         Purpose/Group Name        oTE/rTR      oTE/rTR     oTE/rTR       oTE/rTR   oTE/rTR      oTE/rTR       oTE/rTR     oTE/rTR      oTE/rTR     oTE/rTR       oTE/rTR
         Company Name              rTE/rTR      rTE/rTR     rTE/rTR       rTE/rTR   rTE/rTR      rTE/rTR       rTE/rTR     rTE/rTR      rTE/rTR     rTE/rTR       rTE/rTR
         Transaction Type          rTE/rTR      rTE/rTR     rTE/rTR       rTE/rTR   rTE/rTR      rTE/rTR       rTE/rTR     rTE/rTR      rTE/rTR     rTE/rTR       rTE/rTR
         Offset Acct. No.          rTE/rTR      rTE/rTR     rTE/rTR       rTE/rTR   rTE/rTR      rTE/rTR       rTE/rTR     rTE/rTR      rTE/rTR     rTE/rTR       rTE/rTR
         Settlement Date           rTR          rTR         rTR           rTR       rTR          rTR             rTR       rTR          rTR         rTR           rTR
         Template Name             rTE/rTR      rTE/rTR     rTE/rTR       rTE/rTR   rTE/rTR      rTE/rTR       rTE/rTR     rTE/rTR      rTE/rTR     rTE/rTR       rTE/rTR
         Recipient Name            rTE/rTR      rTE/rTR     rTE/rTR       rTE/rTR   rTE/rTR      oTE/oTR       oTE/oTR     rTE/rTR      oTE/oTR     rTE/rTR       rTE/rTR
         Recipient ID              oTE/oTR      oTE/oTR     rTE/rTR       rTE/rTR   oTE/oTR                                                         oTE/oTR       oTE/oTR
         Recipient Acct. No.       rTE/rTR      rTE/rTR     rTE/rTR       rTE/rTR   rTE/rTR      rTE/rTR       rTE/rTR     rTE/rTR      rTE/rTR     rTE/rTR       rTE/rTR
         Recipient Acct. Type      rTE/rTR      rTE/rTR     rTE/rTR       rTE/rTR   rTE/rTR      rTE/rTR       rTE/rTR     rTE/rTR      rTE/rTR     rTE/rTR       rTE/rTR
         Recipient Bank ABA        rTE/rTR      rTE/rTR     rTE/rTR       rTE/rTR   rTE/rTR      rTE/rTR       rTE/rTR     rTE/rTR      rTE/rTR     rTE/rTR       rTE/rTR
         Amount                    oTE/rTR      oTE/rTR     oTE/rTR       oTE/rTR   oTE/rTR      oTE/rTR       oTE/rTR     oTE/rTR      oTE/rTR     oTE/rTR       oTE/rTR
         Check Serial No.                                                                        oTE/rTR       oTE/rTR     oTE/rTR      oTE/rTR
         Terminal City                                                                                                                  oTE/rTR
         Terminal State                                                                                                                 oTE/rTR
         Card Trans Type Code                                                                                                                       oTE/rTR
         Payment Type Code                                                                                                                                        oTE/rTR
         Addenda                   oTE/rTR      oTE/rTR     oTE/rTR       oTE/rTR                                                                   oTE/rTR       oTE/rTR
                                                                                    Blank: The field is not available for creation of templates or transactions.
                                                                                    oTE: The field is optional for a template. rTE: The field is required for a template.
                                                                                    oTR: The field is optional for a transaction. rTR: The field is required for a transaction.
ACH: NACHA Pass-Thru                                                                                                  Business Link

  Funds Mgmt        Check Mgmt         Reporting         Administration
  ACH Origination



 NACHA-formatted files can be imported into the system on a "pass-             6. Do one of the following:
 thru" basis. This utility is useful for those companies that generate             •   If no errors were found in the previous step
 properly NACHA-formatted files from their internal systems.
                                                                                       Click the Accept button. The Pending Items tab is displayed;
 Although the file contents are not checked by the system when a                       the imported batches are included in the Pass-Thru Batches
 NACHA file is uploaded through the Pass-Thru utility, its formatting is               pane, with the status “Awaiting Approval” or “Awaiting
 checked against certain validations to verify that it will be transmit-               Submission.”
 table to the ACH network. When this verification process is complete, a
 summary of the results is presented; details about the file contents are              [Optional] Do either or both of the following:
 provided, as are details of any formatting errors within the file.                    •   Click the Print button to print the confirmation (this is
 Note: Files used for pass-thru transactions must conform to NACHA                         STRONGLY recommended).
         file formatting standards. Additionally, in the batch header                  •   Click the Reject button to reject the batches.
         record (the "5 record") of the NACHA file, the 8-digit ABA must           •   If errors were found in the previous step
         be included in the financial institution's list of ABAs valid for
         ACH processing.                                                               Click the Reject button. You are returned to the NACHA Pass-
                                                                                       Thru tab. Correct the detected errors and begin the Pass-Thru
 Importing a File Using NACHA Pass-Thru                                                procedure again.
 To import a file using NACHA Pass-Thru:                                      Approving NACHA Pass-Thru Batches
   1. From the Funds Mgmt menu, select ACH Origination. The ACH               Depending on the settings for your company, approvals may be
       Origination screen is displayed.                                       required before a pass-thru batch can be submitted.
   2. Select the NACHA Pass-Thru tab.                                         Regardless of system validations, users can approve only those pass-
   3. Click the Browse button. The Choose File dialog box is displayed.       thru batches that other users have created. Users may not approve
   4. Search for and select the ACH file to be processed, then click the      their own pass-thru batches.
      Open button. This must be a valid NACHA-formatted file.                 To approve a NACHA Pass-Thru batch:
       The path and file name are entered in the File name field.               1. From the Funds Mgmt menu, select ACH Origination. The ACH
                                                                                    Origination screen is displayed.
   5. Click the Begin Pass-Thru button.
                                                                               2. On the Pending Items tab, in the Pass-Thru Batches pane:
       The system checks the file for errors. When checking is complete,
       the NACHA Pass-Thru Summary pane is displayed.                              •   To approve a single batch
       •   If no errors are detected                                                   Click the approve hyperlink associated with the batch to
                                                                                       be approved.
           Each batch summary is displayed. Displayed information
           includes batch number, originating company name, effective              •   To approve multiple batches
           date, item count, debit amount and credit amount.                           1. Select the checkboxes associated with the batches to
           [Optional] Click the Print button to print the confirmation                    be approved.
           (this is STRONGLY recommended).                                             2. Click the Approve button.
       •   If errors are detected                                                  If the user is validated for batch submission and the required
           The entire file is rejected. The first few errors are explained,        approval has been given, the approve hyperlinks are replaced by
           and their locations given. The position is given as a number            submit hyperlinks. The pass-thru batches are now ready to be
           pair that presents the character number and length of the               submitted.
           invalid field.
           For example, to find an error located at (70,6), count 70
           characters from the first character for the starting point and
           6 characters farther for the ending point.
NACHA Pass-Thru (Cont’d)                                                                                            Business Link


 Submitting NACHA Pass-Thru Batches                                        NACHA Pass-Thru Report
 To submit NACHA Pass-Thru batches:                                        Use the NACHA Pass-Thru report to check the status of NACHA Pass-
   1. From the Funds Mgmt menu, select ACH Origination. The ACH            Thru transactions submitted to the financial institution.
       Origination screen is displayed.                                    To access the NACHA Pass-Thru transaction report:
  2. On the Pending Items tab, in the Pass-Thru Batches pane:                1. Access the report parameters pane:
      •   To submit a single batch                                               •   From within the ACH Origination module
          Click the submit hyperlink associated with the batch to                    From the Reporting menu, select NACHA Pass-Thru Report.
          be submitted.                                                          •   From the Home Page, or from any module other than ACH
      •   To submit multiple batches                                                 Origination
          1. Select the checkboxes associated with the batches to                    1. From the Reporting menu, select All Reports. The All
             be submitted.                                                              Reports screen is displayed.
          2. Click the Submit button.                                                2. In the Funds Management pane, click NACHA Pass-
                                                                                        Thru Report.
      The Submit Confirmation screen is displayed.
                                                                                 The NACHA Pass-Thru Report Parameters pane is displayed.
  5. [Optional] To print the confirmation, click the Print button. Make
     the necessary selections in the Print dialog box, then click the OK     2. From the Status drop-down list, select a status, or select Any to
     button.                                                                    include transactions of any status.
  6. Click the OK button to close the confirmation screen and return         3. In the Purpose field, enter a purpose, or leave this field blank to
     to the Pending Items tab.                                                  include any purpose.
                                                                             4. In the To and From Settlement Date Range fields, enter
 Deleting Pending NACHA Pass-Thru Batches                                       beginning and ending dates for the settlement range. Use
 To delete a pending NACHA Pass-Thru batch:                                     mm/dd/yyyy format to enter dates. You can also click the
   1. From the Funds Mgmt menu, select ACH Origination. The ACH                 Calendar button to select a date using the Calendar utility.
       Origination screen is displayed.                                      5. Click the View button. The NACHA Pass-Thru Batch Summary
  2. On the Pending Items tab, in the Pass-Thru Batches pane:                   pane is displayed.
      •   To delete a single batch                                           6. [Optional] Click the details hyperlink for any transaction batch to
                                                                                view details about individual transactions within that batch.
          Click the delete hyperlink associated with the batch to
          be deleted.
      •   To delete multiple batches
          1. Select the checkboxes associated with the batches to
             be deleted.
          2. Click the Delete button.
      A confirmation dialog box is displayed in a pop-up window.
  3. Click the OK button to delete the pass-thru batch.
      [Optional] Click the Cancel button to retain the pending pass-
      thru batch.
ACH: Template Data Import                                                                                               Business Link

  Funds Mgmt        Check Mgmt        Reporting         Administration
  ACH Origination




 Importing Template Information                                                 6. Click the Begin Import button.
 Instead of manually entering templates into the system, you can import the         The system checks the file for errors. When error-checking is
 data required to create them from an export file created by another system.        complete, the Import tab is refreshed.
 To enable the system to translate the import files into a working template,        •   If at least one record passes validation
 however, you must first set up a "format definition" in the system.
                                                                                        The file is imported, and a confirmation is displayed in the
 Format definitions provide a filter through which the system can inter-                Template Import pane.
 pret a file's contents, translating the file to a template the user can use
                                                                                    •   If no records pass validation
 to create transactions.
 Note: Transactions are imported from text files. If you are not sure                   The system displays an error message in the Import Errors pane.
          what type of text file you are importing, see the How Do I Know       7. Do one of the following:
          What Type of File I Am Importing? help topic.                             •   If the file was successfully validated
 To import a template file:                                                             Click the OK button.
   1. Set up the import file according to the requirements specified in the             The import process is completed and the Pending Items tab
       How Do I Set Up Template Files for Import? help topic. If you are                is displayed.
       importing templates from a NACHA-formatted file, you must provide
                                                                                    •   If the file failed validation
       specific layout information when defining an import format.
                                                                                        Click the Cancel button. Make corrections to the import file,
   2. From the Funds Mgmt menu, select ACH Origination. The ACH
                                                                                        click the Import tab, and start the import process again.
      Origination screen is displayed.
   3. Click the Import tab.                                                    Creating a Format Definition
                                                                               Import format definitions allow you to create transaction templates by
                                                                               importing data from external systems. This data is specified as the
                                                                               default for transactions created using the template.
                                                                               Note: NACHA-formatted files require a specific template format. See
                                                                                       the How Do I Set Up Template Files for Import? help topic for
                                                                                       additional information.
                                                                               To create a format definition:
   4. Do one of the following:
                                                                                 1. From the Funds Mgmt menu, select ACH Origination. The ACH
       •   If you have already created the format definition to be used              Origination screen is displayed.
           From the Express template import drop-down list, select              2. Select the Import tab.
           the name assigned to the format definition. The procedure
           continues from the main screen of the Import tab.                    3. In the Template Import row, click the click here to create or
                                                                                   edit template formats link. The Set Up Template Import Format
       •   If you have not yet created the format definition to be used            pane is displayed.
           Create a format definition, using the instructions found in          4. In the Format definition row, click the Add button. The Format
           the "Create a Format Definition" section. The procedure con-            Name pop-up window is displayed.
           tinues from the format definition pane of the Import tab.
                                                                                5. In the Template Name field, enter a name for the format definition.
   5. Click the Browse... button and locate the file to be imported,
      then click the Open button.                                               6. Click the OK button. The Format Name pop-up window closes.
                                                                                7. From the Transaction type drop-down list, select the transaction
                                                                                   type that the template will be used to create.
                                                                                8. Select the File type radio button corresponding to the format of
                                                                                   the file to be imported. If you select the -delimited radio but-
                                                                                   ton, enter the delimiter character.
                                                                                                                                             Continued
ACH: Template Data Import (Cont’d)                                                                                                     Business Link

 Creating a Format Definition (Cont’d)
  9. Into each field in the Required fields section of the screen, do                        The following fields are optional, and may be left blank (with
     one of the following to identify the location of each data field in                     their checkboxes deselected), included in the import file (with
     the import file:                                                                        the checkboxes selected), or defined in the "Defaults" section
      •     For fixed-width files, enter the start and end positions (1-3, 4-19,             (with their checkboxes deselected).
            20-24, etc.) of each field in the appropriate Start and End fields.                  This field...      Contains...
      •     For files delimited by commas, spaces, tabs, or other charac-                        Group name         The name of the group to which the template will
            ters, enter the sequential position (1, 2, 3, 4) of each field in                                       be added.
            the appropriate Sequence fields.                                                     Default amt        The default amount for transactions created with the
                                                                                                                    imported template.
      The following fields are required, and, with the exceptions noted,
                                                                                                 Min amt            The minimum value of transactions created with the
      must always be included in the import file:
                                                                                                                    imported template.
          This field...     Contains...                                                          Max amt            The maximum value of transactions created with the
          Temp name         The template's name.                                                                    imported template.

          Recipient name    The recipient's name. "Recipient" in this context is the         The following fields are optional, but must be included in the
                            other party in the transaction, whether their account            import file (with the checkboxes selected) if they are to be
                            is being credited or debited. This field is optional for         included in the template:
                            ARC-type transactions.
                                                                                                 This field...      Contains...
          Recipient ID      An identifier for the recipient.No recipient ID is associ-
                            ated with ARC, RCK, or POP-type transactions.                        Transaction type   For POS transaction templates, an indicator of the type
                                                                                                 code               of transaction generated.
          Recipient ABA     The ABA number of the recipient financial institution.
                                                                                                 Payment type       For WEB transaction templates, an indicator of the type
          Recipient acct    The recipient's account number at the recipient finan-               code               of payment.
                            cial institution.
                                                                                                 Prenote            An indicator of whether the template requires genera-
          Recipient acct    An identifier for the recipient's account type.                                         tion of a prenote.
          type
                                                                                                 Addenda            An indicator of whether an addenda record will be
      The following fields are required, and may either be included in                                              attached to the transaction.TEL, ARC, BOC, RCK, and POP
      the import file or defined in the Defaults section of the Import                                              transactions do not use addenda records; addenda
      Templates pane.                                                                                               records are optional for PPD, CCD, CIE, and WEB transac-
                                                                                                                    tions. Addenda records are optional when creating MTE
      If a field is to be included in the import file, select its checkbox;                                         and POS templates, but they will be required when cre-
      if it is to be entered on-screen in the Defaults section, deselect                                            ating transactions based on these templates.
      its checkbox.
      If a checkbox is selected, any value entered in the Defaults                           The following fields are optional if the associated transaction
      section will be overwritten with the file's contents from the                          type is selected, and are made unavailable for data entry if a dif-
      specified position.                                                                    ferent transaction type is selected. They may be left blank (with
                                                                                             their checkboxes deselected) if unused; if used, they must be pre-
          This field...       Contains...                                                    sent in the import file and their checkboxes must be selected.
          Offset acct         Your company's offset/settlement account.                          This field...      Contains...
          Comp name           Your company's name.
                                                                                                 Check serial       For ARC, BOC, RCK, and POP transaction templates, the
                                                                                                 number             serial number of a check being converted to an
                                                                                                                    ACH transaction.
                                                                                                 Terminal city      For POP transaction templates, a code representing the
                                                                                                                    city in which the transaction took place.
                                                                                                 Terminal state     For POP transaction templates, the state in which the
                                                                                                                    transaction took place.

                                                                                         10. Select one of the following Amount decimal point radio buttons:
                                                                                             •     Implied: If the system is to interpret the last two positions of
                                                                                                   the amount as cents, in the absence of a decimal point.
                                                                                             •     Not implied: If the system is to interpret the last two positions of
                                                                                                   the amount as cents only if a decimal point is present.
                                                                                         11. Click the Save button. The format definition is saved.
ACH: Transaction Data Import                                                                                               Business Link

  Funds Mgmt        Check Mgmt        Reporting         Administration
  ACH Origination



 Importing Transaction Information                                          4. In the Format definition row, click the Add button. The Format
  Like templates, transactions can be imported from files created out-         Name pop-up window is displayed.
  side the system once format definitions have been created. Format         5. In the Template Name field, enter a name for the format definition.
  definitions work the same way for transactions that they do for tem-      6. Click the OK button. The Format Name pop-up window closes.
  plates-they enable the system to translate imported files into sub-
                                                                            7. From the Transaction type drop-down list, select the transaction
  mittable transactions.
                                                                               type to be imported. See the "Supported SEC Codes" Quick
  Unlike templates, however, you do not need to create a NACHA for-            Reference Card for additional information on transaction types.
  mat definition; a NACHA definition is already available for your use.
                                                                            8. Select the File type radio button corresponding to the format of
 Notes:                                                                        the file to be imported. If you select the -delimited radio but-
       •   Transactions are imported from text files. If you are not sure      ton, enter the delimiter character.
           what type of text file you are importing, see the How Do I           Note: Selecting a transaction type and the NACHA file type will
           Know What Type of File I Am Importing? help topic.                         populate the fields appropriate for importing a NACHA-
       •   In the process of creating transactions from the rows in an                formatted file of the specified type.
           import file, each record (transaction) must reference a tem-                    To ensure the import of NACHA-formatted files, it is rec-
           plate existing on the system.                                                   ommended that these values not be changed.
           If your import file will be referencing two or more templates    9. Into each field in the Required section of the screen, do one of
           with the same name, each record in the import file must             the following to identify the location of each data field in the
           contain both an account number and an account type code.            import file:
        • When a file is to be imported using the pre-defined NACHA             •     For fixed-width files, enter the start and end positions (1-3,
          format definition, the template name must be specified in                   4-19, 20-24, etc.) of each field.
          the Recipient ID field of each transaction record (the "6-
                                                                                •     For files delimited by commas, spaces, tabs, or other charac-
          record").
                                                                                      ters, enter the sequential position (1, 2, 3, 4) of each field.
 Creating a Format Definition                                                   The following fields are required, and, with the exceptions noted,
 Import format definitions allow you to create transactions by import-          must always be included in the import file:
 ing data from external systems.                                                    This field...   Contains...
 To create a format definition:                                                     Temp name       The template's name.
   1. From the Funds Mgmt menu, select ACH Origination. The ACH                     Amount          The dollar value of the transaction.
       Origination screen is displayed.
                                                                                    Check serial    For ARC, BOC, RCK, and POP transactions, the serial number
  2. Select the Import tab.                                                         number          of a check being converted to an ACH transaction.
  3. In the Transaction Import row, click the click here to create
     or edit transaction formats link. The Import Transactions pane                                                                                Continued
     is displayed.
ACH: Transaction Data Import (Cont’d)                                                                                                  Business Link

 Creating a Format Definition (Cont’d)
      The following fields are required, and may either be included in the                    11. Select one of the following Amount decimal point radio buttons:
      import file or defined in the Defaults section of the Import                                •   Implied: If the system is to interpret the last two positions of
      Transactions pane.                                                                              the amount as cents, in the absence of a decimal point.
      If the field is to be included in the import file, select the check-                        •   Not implied: If the system is to interpret the last two positions of
      box; if it is to be entered on-screen in the Defaults section, dese-                            the amount as cents only if a decimal point is present.
      lect the checkbox.
                                                                                              12. Click the Save button. The format definition is saved.
      If a checkbox is selected, any value entered in the Defaults section will
      be overwritten with the file's contents from the specified position.                  Importing Transaction Files
          This field...        Contains...                                                  To import a transaction file:
          Settlement Date      The date the transaction is to settle.                         1. Set up the import file, as indicated in the How Do I Set Up
          Purpose              The purpose for the transaction.
                                                                                                  Transaction Files for Import? help topic.
                                                                                              2. From the Funds Mgmt menu, select ACH Origination. The ACH
          Company name         Your company's name.
                                                                                                 Origination screen is displayed.
          Terminal city        For POP transactions, a code representing the city in
                                                                                              3. Click the Import tab.
                               which the transaction took place.
          Terminal state       For POP transactions, the state in which the transaction       4. Do one of the following:
                               took place.                                                        •   If you have already created the format definition to be used
          Transaction type     For POS transactions, an indicator of the type of trans-               From the Express transaction import drop-down list, select
          code                 action generated.                                                      the name assigned to the format definition. The procedure
          Payment type         For WEB transactions, an indicator of the type of payment.             continues from the main screen of the Import tab.
          code
                                                                                                      To use the NACHA format definition:
      If creating transactions using two or more templates with the                                   1. From the Express transaction import drop-down list,
      same name, the following fields are required; otherwise they are                                   select <NACHA>. A second drop-down list is displayed.
      optional:                                                                                       2. Select the transaction type from the second drop-down list.
          This field...        Contains...                                                               All transactions in a batch must be of the same type.
          Recipient Acct     The recipient's account number at their financial                            Note: When <NACHA> is selected, this functionality
                             institution.                                                                       works as if All Groups had been selected in the
                                                                                                                format definition. If a transaction import file ref-
          Recipient Acct     The type of account held by the recipient.
          Type                                                                                                  erences templates that share common template
                                                                                                                names, account numbers, and recipient account
      The following field is optional, but must be included in the                                              types, you must import the file from the format
      import file (with the checkboxes selected) if it is to be included                                        definition screen, with a valid group name select-
      in the transaction:                                                                                       ed from the Group Name drop-down list.
          This field...        Contains...                                                        •   If you have not yet created the format definition to be used
          Addenda            An indicator of whether an addenda record will be                        Create the format definition, using the instructions found in
                             attached to the transaction.TEL, ARC, BOC, RCK, and POP                  the "Create a Format Definition" section. The procedure con-
                             transactions do not use addenda records; addenda                         tinues from the format definition pane of the Import tab.
                             records are optional for PPD, CCD, CIE, and WEB transac-         5. Click the Browse... button and locate the file to be imported,
                             tions, and required for MTE and POS transactions.                   then click the Open button.
  10. Make a selection from the Group Name drop-down list:                                    6. Click the Begin Import button.
      •     All Groups: This selection is the default, and in most cases                          The system checks the file for errors. When the error-check is
            should be used.                                                                       complete, the Import tab is refreshed.
      •     <Ungrouped> or a group name: Select a group name or                               7. Click the OK button. The transaction batch is created.
            <Ungrouped> only if the transaction import file contains ref-
            erences to templates within multiple groups that share com-
            mon template names, account numbers, and recipient account
            types. ("Duplicate" templates.) The selected group must con-
            tain at least one of the templates referenced in the import file.

								
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