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Tokens Tokens are small devices which display a randomly generated number once the button is pushed. This token passcode is required upon logging into PINACLE® to access the ACH service and during the authorization of a batch.

Your Current ACH... Will Become This...

Tokens are used at login for security reasons.

Each operator login ID requires a different token.

The token will shut itself off automatically after one minute.

The number on your token is randomly generated.

A token is needed at login to access the ACH module. An Authorization to a Batch requires a token passcode.

Templates A template, which is equivalent to a database, allows you to group, store, and re-use receivers’ information.

Your Current ACH... Will Become This...

Templates

Databases allow operators to group, store, and re-use transaction information.

A template, formally known as a database, is a feature that allows operators to group, store, and re-use the receiver’s information. A separate template is needed for each batch type (application) that you will be utilizing, or you can create a freeform batch. For more information on freeform batches please refer to the Batches section.

Creating a New Template

When creating a database, the ACH Company (Batch Header), application, and database name is selected. Payment information is then entered within the database.

When creating a template, the ACH Company, Batch Type, and template name is selected. The applications or options that are available for Batch Types will vary depending on your company’s set up. Payment information is then entered within the template.

ACH Company

Referred to as ACH Company or Batch Header.

The ACH Company field will list all Batch Headers that your Operator ID is set up with.

Company Short Name

An abbreviated description of the ACH Company (Batch

The Company Short Name will no longer be used.

Comparison between the two ACH modules

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Your Current ACH… Will Become This… Company Entry Description

Automatically populated by the Legacy ACH system.

New Feature! The Company Entry Description, which holds up to 10 characters, will display when creating a template and/or batch. Depending on the batch type, this field will auto fill and/or allow changes to be made. Operators have the ability to edit this field within a NACHA file or certain batch types. Please Note: Although the Company Entry Description allows for editing, this field does not need to be changed if it is unnecessary. Changes made to this field will display for the receivers.

Template Applications

The application indicates the type of transaction the database will be (ex: Payroll, Vendor Payments, Customer Debits, etc…). The list of Applications can vary depending on your set up.

The applications that you had in the legacy ACH will be compatible with the new ACH.

Template Name Field

A database name is entered for each database. Multiple databases can have the same name.

The Template Name field can hold up to 35 characters. Each template needs to have a unique name. Duplicate template names can not be used.

Template Description

Not Available New Feature! Template Description, which can hold up to 35 characters, can be added to a template to include a brief explanation.

Template Limit Not Available New Feature! A Template Limit is the maximum dollar amount to be assigned to individual template.

Recurring Batches Not Available New Feature! Batches can be set to automatically generate for your authorization on recurring intervals. Please refer to the Recurring ACH section for additional information.

Transaction List The Database Summary lists the payment information saved within a database.

The Transaction List is equivalent to the Database Summary. Operators have the option for adding a receiver already saved in the system or to create a new receiver. A receiver is created to store individual beneficiary information.

View Bank Search Not Available New Feature! Operators can search for a bank transit routing number (bank code) to search or verify within the View Bank function.

Importing into a Template

Payment information can be imported directly into a database to update and maintain the beneficiary’s information.

Payment information can be imported directly into a template, batch, or used to add/update receivers’ information into a template. Please refer to the ACH Import section for additional information.

Bulk Edit Not Available New Feature! Bulk editing is a simple way to zero-fill or change statuses (Active, Prenote, or Hold) for all receivers in the template at one time.

Removing Receivers

Detail entries within a database can be deleted one at a time.

Multiple receivers can be deleted at the same time from a template.

Review Transaction Not Available New Feature! The Review Transaction function allows operators to view the receivers’ information contained within a template.

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Your Current ACH… Will Become This… Confidential Template

Not Available New Feature! The Confidential template option allows only those assigned with the confidential entitlement to view those templates or batches. Please refer to the Confidential section for additional information.

Draft Status within a Template

Not Available New Feature! If a template is created with no receivers, the status of the template will be Draft.

Template Pending Approval

Databases with a Pending Approval status need to be approved prior to creating a batch.

All templates with a pending approval status need to be approved prior to creating a batch.

Editing a Template

Information within a database can be edited.

The enhanced edit features allow operators to edit the ACH Company, Template Name, Company Entry Description, Template limit, Dollar Amount fields, and Receiver’s. For more information regarding Receiver’s please refer to the Receiver’s section. Please note: Changes made to receivers’ information within a template or batch do not automatically update within the Receiver’s section of the module. Changes made within the Receiver’s section do not automatically update within templates or batches. For additional information, please refer to the Receiver’s section within this document. Changes made to templates may require approval. Please refer to the Template Approval section for more information.

Template Approval

Databases are required to be approved by another operator if entries were added/deleted, banking information was changed, or amounts were changed (if applicable). Approval for non-repetitive ACH databases - This module requires an authorized operator to approve all new or modified databases before those databases can be used. An operator cannot approve their own database changes. Any change that affects the routing of a payment will require that another operator approve the database. Optionally, changes to the amount of the payment can also require approval.

Many of your company’s databases will map over to templates within the new ACH, but their status will be Pending Approval. All templates will need to be approved prior to creating a batch. When approving templates, operators have the option to Approve, Decline, or Export the template if necessary. If an operator declines a template, another operator would have to edit the template to put the status back to Pending Approval, thus allowing another operator to approve the template. Please refer to the Authorizations/Approvals section for additional information.

Your Current ACH… Will Become This…

Template Searching feature

Not Available

New Feature! Operators have the ability to perform a Basic Search or an Advanced Search option within a template. A template name can be entered within the Basic Search. The advanced search options include: Template Name, Batch Type, Description, ACH Company Name, # Credits, # of Debits, Total Amount of Credits, Total Amount of Debits, and Status. At least one field is required when performing a search.

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Applications Applications allow you to select the type of transaction you would like to initiate. Your Current ACH... Will Become This... Applications The Application indicates the

type of transaction the database will be (ex: Payroll, Vendor Payments, Customer Debits, etc…). The list of Applications can vary depending on your set up.

These are the available applications but you may not be entitled to the various options. - Cash Con/Cash Disbursements - (CCD/CCD+ DR/CR) - Cash Concentration (CCD/CCD+ DR) - Cash Disbursements (CCD/CCD+ CR) - Child Support (CCD+ CR) - Consumer Payment/Collections (PPD/PPD+ DR/CR) - Customer Credits (PPD/PPD+ CR) - Customer Debits (PPD/PPD+ DR) - Domestic ACH (IAT DR/CR) - Internet Authorized Entry (WEB DR) - Payroll (PPD CR) - Re-presented Check Entry (RCK DR) - Tax Payment (CCD+ CR) - Telephone Authorized Entry (TEL DR) - Vendor Payment w/Remittance (CCD+ CR) - Vendor Payment/Collections (CCD+ DR/CR)

Addenda Information

Addenda information only available within a certain applications.

Addenda is an optional field and not required. Addenda is typically information that would be sent with a (CCD) payment to corporate, business or government entities to help them apply the payment and the receiving financial institution may assess a fee to those receivers for addenda records. Addenda record sent with (PPD) entries to individuals or consumers are typically not displayed or shown to those receivers by their financial institution. Please note: For the ACH conversion, the Addenda field must be filled with text for Vendor Payments to the Cash Disbursement service. PNC will run a code to populate blank fields or fields containing only a space with an asterisk (*) to ensure a successful import. After conversion, it is recommended that the asterisk be changed by you prior to initiating a payment. The information on the addenda should be compliant with EDI remittance standards.

Application Type Your Current ACH Application... Will Become This ACH Application... Credit Applications Cash Disbursement (DSB) Cash Disbursements (CCD/CCD+ CR) Customer Credits (CRD) Customer Credits (PPD/PPD+ CR) Payroll (PAY) Payroll (PPD CR)

Vendor Payments (VEN) Vendor Payments (Without NTE) (VNN)

Vendor Payment w/Remittance (CCD+ CR) The Vendor Payment application contains the options of selecting the addendum type DTM, NTE, REF, RMR, TXP or TRN.

Debit Applications Cash Concentration (CNC) Cash Concentration (CCD/CCD+ DR) Customer Debits (DBT) Customer Debits (PPD/PPD+ DR) Cash Concentration Plus (CNP) Cash Concentration (CCD/CCD+ DR) Reclamations (RCL) Customer Debits (PPD/PPD+ DR)

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Application Type Your Current ACH Application… Will Become This ACH Application… Credit/Debit Applications

ACH Debit Application (PDR)

Vendor Payment/Collections (CCD+ DR/CR) The Vendor Payment application contains the options of selecting the addendum type DTM, NTE, REF, RMR, TXP or TRN.

Cash Concentration and Disb. (CCD)

Cash Con/Cash Disbursements - (CCD/CCD+ DR/CR)

Consumer Debits and Credits (DAC)

Consumer Payment/Collections (PPD/PPD+ DR/CR)

Remittance (RMT)

Vendor Payment/Collections (CCD+ DR/CR) The Vendor Payment application contains the options of selecting the addendum type DTM, NTE, REF, RMR, TXP or TRN.

Account Transfer, Adjustments (ADJ) and Book Transfers (BKT)

Cash Con/Cash Disbursements - (CCD/CCD+ DR/CR)

Child Support Child Support Payments are separated by state or by selecting the Federal Child Support application.

Child Support (CCD+ CR) Child support payments are consolidated into one application, which can be used for the various authorities.

Exception Standard Entry Class (SEC) Codes

Web Initiated Payments (WEB)

Internet Authorized Entry (WEB DR) This application can be used via Import Batch, ACH Bulk Load, Freeform (one-time) Batch or in a Template.

Telephone Initiated Payments (TEL)

Telephone Authorized Entry (TEL DR) This application can be used via Import Batch, ACH Bulk Load, Freeform (one-time) Batch or in a Template.

Returned Check Entries (RCK)

Re-presented Check Entry (RCK DR) This application can be used via Import Batch, ACH Bulk Load or Freeform (one-time) Batch. This application cannot be used in a template.

Federal, State and other Tax Payments

The Federal Tax (EFTPS) and each state tax payment are listed as separate applications.

Tax Payment (CCD+ CR) Tax Payments are consolidated into one application, which can be used for the various government units and authorities.

EFTPS, U.S. Customs and Generic Tax Payment applications

Tax Payment (CCD+ CR) Tax Payments are consolidated into one application, which can be used for the various government units and authorities.

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Application Type Your Current ACH Application… Will Become this ACH Application… Domestic ACH (IAT DR/CR)

Not Available New Feature! Domestic ACH (IAT DR/CR) This application allows compliance with the NACHA Rules related to foreign funding or movement of ACH entries cross-border. This allows you to originate an U.S. dollar entry that is released into the ACH network. You must have the receivers address and other information to populate the 7 required IAT addenda records. A valid U.S. ACH receiving financial institution transit routing number is required to create this entry.

Validator Validator (VLD) ACH Bulk Load All SEC codes supported: PPD/PPD+/CCD/CCD+/WEB/TEL/RCK/BOC/POP/CTX/IAT

Please Note: - Tax and Child Support payment application: Entitlements will be converted but many of the Databases will NOT be converted to the new ACH module.

- Existing Reversal application databases will NOT convert but users will be granted the Reversal function.

- Tax, EFTPS, Child Support, Remittance, ACH Debit, Generic Payments (without NTE), Adjustments, Account Transfers, Cash Concentration Plus and Book Transfers: Import Profiles will NOT be converting to the new ACH module.

These types of batches can be created as templates or freeform batches and will need to be manually entered within the new ACH module.

Tax Payments Tax Payments are consolidated into one application, which can be used for the various government units and authorities.

Your Current ACH... Will Become This... Tax Addenda Tax addenda are inputted within

the Database Detail page. Tax addenda is equivalent in the new ACH system. However, there will be updates at a later date to the addenda information, which will require your attention. Fields may look different, but it will function the same. There will be messages within the tax template regarding the actions that require your attention prior to creating a batch.

Zero Dollar Transactions

Zero dollar entries are only allowed for Tax Payments and Child Support Payments when the Zero Amount Due box is checked off within a database.

Zero dollar entries are allowed for all applications. However, CCD Applications types will be processed for ONLY Tax Payments and Child Support Payments. If you include a zero dollar entry in a PPD application once the batch is created, the transaction will not be included in the batch.

EFTPS Payments All Federal Tax Type Codes (EFTPS) are found within the EFTPS application.

Batch Type = Tax Payment (CCD + CR) Government Unit = US Treasury Authority = Electronic Federal Tax Payment System

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Batches Batches are created by selecting from a list of Receivers, adding in new Receivers, utilizing an existing template, importing from a file, or uploading a NACHA file. An Authorization to a Batch requires a token passcode. Your Current ACH... Will Become This... Creating a Batch Not Available

Freeform Batch is not available.New Feature! Freeform (one-time) batches can be created by either entering or selecting from a list of Receivers.

Database: Payment details can be entered into a Database manually. A batch can then be created from the Database List screen for processing.

Template: Payment details can be entered into a Template manually. A batch can then be created from that Template screen or from the Batches page for processing.

Not Available Quick Entry batches are not available.

New Feature! Quick Entry batches can be created using multiple templates at one time.

Import into a Database: Payment details can be imported into a Database from a file, using an Import Format. A batch can then be created from the Database List screen for processing.

Import into a Template: Payment details can be imported into a Template from a file, using an Import Profile. A batch can then be created from that Template screen for processing.

Not Available Import into a batch: Payment details cannot be imported into a batch.

New Feature! Payment details can be imported directly into a batch for processing.

NACHA File: A NACHA file is uploaded to create a batch, utilizing ACH Validator. The batch appears under the ACH Batch List screen.

NACHA File: A NACHA file is uploaded to create a batch, utilizing ACH Bulk Load. The batch appears under the Batches screen.

Freeform Batch (one-time batch)

Not Available Freeform Batches are not available.

New Feature! A Freeform Batch can be created without having an existing Template. Receivers can be manually entered into the batch, selected from the Receivers List, or imported from a file. An Import Profile can be built to create a batch directly from an imported file.

Recurring Batches

Not Available Recurring batches are not available.

New Feature! The recurring batch option can be indicated during template creation. Batches can be set to recur every week, every two weeks, monthly, last day of the month, first and fifteenth, or fifteenth and last day of the month. The recurring batch will appear within the batch list 7 days prior to the effective date. Batches will still need to be authorized prior to processing. If you would like the recurring batch feature disabled, please contact your PNC Treasury Management representative.

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Your Current ACH… Will Become This… Company Entry Description

Automatically populated by the ACH system.

New Feature! The Company Entry Description, which holds up to 10 characters, will display when creating a template and/or batch. Depending on the batch type, this field will auto fill and/or allow changes to be made. Operators have the ability to edit this field with certain batch application types. Please Note: Although the Company Entry Description allows for editing, this field does not need to be changed if it is unnecessary. Changes made to this field will display for the receivers.

Effective Dates Credit Transactions: During the creation of any batches which contain credit transactions (CCD/PPD), the system displays the next business day as the default date. This can be changed by typing over the date.

Credit Transactions: During the creation of any batches which contain PPD Credits, the system displays two business days later as the default date. This can be changed by typing over the date or selecting a different date from the calendar. For CCD Credits, the system displays the next business day as the default date. This can be changed by typing over the date or selecting a different date from the calendar.

Debit Transactions: During the creation of any batches which contain debit transactions (CCD/PPD), the system displays the next business day as the default date. This can be changed by typing over the date.

Debit Transactions: During the creation of any batches which contain PPD or CCD Debits, the system displays the next business day as the default date. This can be changed by typing over the date or selecting a different date from the calendar.

Non-Business Days: Effective dates falling on non-business days are not allowed.

Non-Business Days: Effective dates falling on non-business days are not allowed. If a recurring batch effective date falls on a non-business day, it will process the prior business day.

Future Dating: It is suggested to limit future dating to no more than 14 days in advance. The system will allow further, but we do not recommend future dating more than the suggested time frame.

Future Dating: The system will not allow future dating for more than 30 days in advance.

Bulk Editing Not Available Bulk Editing is not available.

New Feature! Bulk Editing is a simple way to zero-fill or change statuses (Active, Prenote, or Hold) for all receivers in the batch at one time.

Zero Dollar Batches

Applications that allow zero dollar batches:

- Tax Payments - Child Support

Payments For all other applications, a batch containing a zero dollar transaction cannot be created.

Zero dollar entries are allowed for all applications. However, CCD applications types will be processed for ONLY Tax Payments and Child Support Payments. If you include a zero dollar entry in a PPD application once the batch is created, the transaction will not be included in the batch.

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Your Current ACH… Will Become This… Save as Template Not Available

The option to save a freeform batch as a template is not available.

Freeform batches can be indicated to save as a template for future use.

Confidential Function

Not Available A Confidential option is not available.

New Feature! An operator can indicate a Confidential option within a template or batch. Only those operators with the Confidential entitlement can view, manage, create, modify, and approve these transactions.

Authorizing (Releasing) a Batch

All batches must be Releasedin order to process. Creator cannot release or unrelease a Batch - This is an optional setting to prevent an operator from manually releasing an ACH batch if that user was also the user who created the batch.

Separate Create Batch and Release Batch - This prevents the transfer from being automatically released. For companies with Validator assigned, all batches created must be released by another operator. For companies without Validator assigned, the operator who creates the batch can release their own batch for processing (unless the company has requested that all batches require another operator to release).

All batches must be Authorized in order to process. As a default, all companies are established with a security setting which prohibits an operator from authorizing their own batch. However, companies can set their own tiered authorization levels and/or self-authorization levels within the Authorization Profiles section of the ACH module*. * Freeform batches will always require another operator to Authorize prior to processing, regardless of the self-authorization levels set within the Authorization Profiles section.

Declining a Batch Not Available Batches can be unreleased. However, declining a batch is not an available option.

New Feature! Authorizers can choose to Decline a batch. The decliner can enter a reason for more information.

Editing a Batch Before a batch has been Released: Once a batch is created, it cannot be edited. However, a batch in an Entered status can be deleted and recreated with the correct information.

Before a batch is Authorized: A batch can be edited prior to authorizing. For batches created from a Template, the effective date, status, and/or amount can be edited.

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Editing a Batch Your Current ACH… Will Become This… After a batch has been Released: Once a batch is released, it cannot be edited. However, it can be unreleased, as long as it is in a Released status, to revert the status back to Entered. Batches in an Entered status can be deleted and recreated with the correct information. Batches that show Submitted cannot be edited through PINACLE®.

After a batch has been Authorized: Once a batch has been authorized, it can be edited (as long as it is in an Authorized status), by utilizing the Unauthorize function. This will change the status to Pending Authorization. A Pending Authorization batch can be edited with the correct information and Authorized again. Batches in a Processed status cannot be edited through PINACLE®.

Before a batch has been Released: A batch in an Entered status can be deleted prior to releasing.

Before a batch has been Authorized: A batch in a Pending Authorization status can be deleted prior to authorizing.

After a batch has been Released: If a batch is in a Released status, it can be unreleased, which will change the status into Entered. Batches in an Entered status can be deleted. If a batch is in a Submitted status, it cannot be deleted through PINACLE®.

After a batch has been Authorized: If a batch is in an Authorized or Declined status, it can be deleted. Batches in a Processed status, cannot be deleted through PINACLE®.

Deleting a Batch

Operators can delete one batch at a time.

New Feature! Operators can delete multiple batches at the same time.

For those Entered status batches that are deleted, it will be removed from the Batch List.

Deleted batches will not show within the Batches screen. However, deleted batches will appear within the Reports section.

Reversing a Batch Reversals are available for those companies with the Reversal application assigned. A new batch can be created using the Reversal application or an entire batch can be reversed from the ACH Batch List.

New Feature! Reversals can be sent when duplicate or erroneous entries have been released into the ACH network. Reversals are available once a batch is in a Processed status. A reversal can be done, within 5 days from the effective date, to an entire batch or to one or more transactions within a batch. The reversal options are located within the batch details page. A reversal batch creates new entries for the full amount of the original entries, and they would be the opposite type of the original entries. (e.g. an original ACH debit to the receiver would generate an ACH credit) Keep in mind that although a common network entry, reversals are not guaranteed by the receiving banks and may be returned. Also, the ACH Rules require you to notify the receiver that you are reversing the original entry. This must be done no later than the settlement date of the reversal. Tax payments and ACH Bulk Load batches cannot be reversed.

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Your Current ACH… Will Become This… Exporting a Batch Available export options:

- Comma separated - Tab separated

Available export options: - Comma Delimited * - Tab Delimited * - NACHA

* Fields within the file will contain quotation marks in order to preserve the data when converted into various formats.

Adding Reasons Not Available Reasons cannot be added to a batch.

New Feature! Operators have the option to enter information into a Reason textbox when deleting or declining batches. These notes, which can be viewed in the History tab within the batch, are helpful for operators to see the reason why a batch was deleted and/or declined.

History Activity within a Batch

Not Available There is no History function within a batch. The Audit Report can be used to view operators’ actions within the ACH module.

New Feature! History information is located in the History tab within a batch. It shows the life cycle of the batch activity.

Batch List & Batch Report

Accessing the Batch List and Batch Report The Batch List and Batch Report are located within the ACH Batch List screen.

Accessing the Batch List and Batch Report The Batch List and Batch Report are located within the Batches and Reports sections. The Batch List displays the Batch ID, Batch Type, Template Name, ACH Company, # Credits, # Debits, Total Credits, Total Debits, and Status. Clicking on the batch will launch the details. Detailed batch reports are also available within the Reports section.

Viewing the Batch List and Batch Report Batches in a Submitted status will remain on the Batch List for 30 days. The Batch List displays the ACH Company Name, Application, Effective Date, Sequence #, Database Name, Status, Total Credits, # Credits, Total Debits, # Debits, # Prenotes, Date & Time, and File ID. A report displaying detail can be generated by selecting the batch(es) and clicking Batch Report. The Batch Report can be sorted by ID, name, or descending order. There are no search options within the Batch Report.

Viewing the Batch List and Batch Report All batches will remain within the Batches section for 30 days. Batch information can also be retrieved within the Reports section within the last 90 days. Batch information can also be narrowed down by searching for Batch ID, Batch Type, Effective Dates, Template Name, ACH Company ID, Transaction ID, Receiver Name, # Credits/Debits, Total Amount of Credits/Debits, Status, Receiver Account Number, and/or Receiver Amount. Batch information can also be pulled within the Reports section. Column headings can be used to sort, reports can be exported, or custom reports can be created to narrow down on information.

Printing/Exporting The Batch Report can be printed or exported (CSV or tab separated format).

Printing/Exporting The Batches screen can be converted into a Printer Friendly version. Batches can be exported into a comma delimited, tab delimited, or NACHA format. Within the Reports section, batch information can be converted to a PDF, printed, and/or exported into a CSV format.

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Your Current ACH… Will Become This… Batch Statuses Statuses on the ACH Batch List

screen: - Entered - The batch

was created. - Released - The batch

has been released for processing.

- Submitted - The batch has been scooped and processed.

Statuses on the Batches screen: - Pending Authorization - The batch was created, but needs

authorized prior to processing. - Authorized - The batch has been authorized and is waiting to be

scooped and processed. - Processed - The batch has been scooped and processed. - Declined - The batch has been declined or unauthorized. - Draft - The batch does not contain any receivers’ information

(an empty batch).

ACH Processing Times

10:00 AM, 12:15 PM, 1:45 PM, 3:15 PM, 5:45 PM, 8:00 PM ET

Monday - Friday, on Bank business days (Eastern Time): 10:00 AM, 12:30 PM, 2:00 PM, 3:30 PM, 6:00 PM, and 8:00 PM

Sundays (Eastern Time): 4:00 PM and 8:00 PM Bank Holidays (Eastern Time):

New Year's Day – 8 PM Dr. Martin Luther King Jr. Day – 2 PM, 6 PM, and 8 PM President's Day – 2 PM, 6 PM, 8 PM Memorial Day - 8 PM Independence Day - 8 PM Labor Day - 8 PM Columbus Day – 2 PM, 6 PM, and 8 PM Veterans’ Day – 2 PM, 6 PM, 8 PM Thanksgiving Day and Christmas Day - No Processing Times

Batches authorized after 8:00 PM ET will be processed the next business day.

Batch Settlement Batch settlement is at a file level. When multiple batches are processed in the same scoop window, the batch settlement amounts are combined into one offset line for posting within Current & Previous Day Reporting.

Batch settlement will be at a batch level. When multiple batches are processed in the same scoop window, each batch settlement amount will post individually and will be displayed separately within Current & Previous Day Reporting.

Recurring ACH Batches can be created to recur automatically, based on the indicated frequency. Your Current ACH... Will Become This... Creating a Recurring Batch

Not Available The option for recurring batches is not available.

New Feature! During the creation of a new template or editing of an existing template, the Recurring Batch option can be checked off to trigger recurring batches. Please Note: Recurring batches still need to be authorized in order for it to process. The same processing time frames pertain to recurring batches as with a non-recurring batch.

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Not Available The option for recurring batches is not available.

New Feature! A recurring batch will automatically appear within the Batches screen 7 days prior to the effective date. If the effective date of a recurring batch falls on a non-business day, the effective date will be defaulted to the previous business day. An Event Notification can be created to notify operators that there is a batch awaiting authorization. Only templates in an Active status will be eligible for recurring batches. Please Note: Recurring batches still need to be authorized in order for it to process. The same processing time frames pertain to recurring batches as with a non-recurring batch.

Ending a Recurring Batch

Not Available The option for recurring batches is not available.

New Feature! A recurring batch can continue to occur until it is cancelled by an operator or once the End Date is reached.

Frequencies Not Available The option for recurring batches is not available.

New Feature! Available Frequencies:

- Every Week - Every Two Weeks - Monthly - Last Day - First and Fifteenth - Fifteenth and Last Day

Canceling a Recurring Batch

Not Available The option for recurring batches is not available.

Recurring, batches are automatically generated based on the details you selected in the recurring fields. To discontinue the automatic generation of the batches, you have the option to revise the end date or cancel the recurring option altogether.

Receivers Receivers are transactions, within a template or batch, which contain the name, ID, account type, and banking information. They can be manually keyed into a template, batch, or retained within the Receivers section of the module.

Your Current ACH... Will Become This... Receiver Section Not Available New Feature!

The Receiver section of the module allows operators to retain receivers’ information, similar to an address book. Receivers can be edited and/or deleted from the list at any time. When creating templates or batches, operators can select from the list of saved receivers instead of keying in the information manually. When selecting saved receivers for a batch or template, only those matching the chosen batch type will be available to be chosen. For example, in a Payroll batch, only consumer receivers will be available to be chosen - no business receivers will display. Please Note: Changes made to receivers’ information within a template or batch do not automatically update within the Receivers section of the module. Changes made within the Receivers section do not automatically update within templates or batches.

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Your Current ACH... Will Become This... Receiver Comment Field

Not Available New Feature! Notes in the Comment field do not go out with the ACH entry when it is forwarded to the ACH network. This is for internal reference only.

Import Receivers Not Available New Feature! A file of receivers can be imported directly into an existing template or batch.

ACH Bulk Load ACH Bulk Load enables you to upload your NACHA file directly into the ACH module to create batches. If your file size is larger than 20,000 records, it will not be accepted. Your Current ACH... Will Become This... Uploading a NACHA file

NACHA Files are uploaded within the ACH Validatorfunction. Once within the Validator section, operators browse for the file from their computer or network. A batch is then created from the file.

NACHA Files are uploaded within the ACH Bulk Load function. Once within the ACH Bulk Load section, operators browse for the file from their computer or network. A batch is then created from the file.

Reports The Validator Report displays accepted and rejected items. The Validator Report appears as a hyperlink once a NACHA file is uploaded. It can also be accessed from the Batch List screen as well.

The Imported File Details screen displays accepted or rejected items. The Imported File Details screen appears immediately after the NACHA file is uploaded (a printer friendly version can be printed out). The Import Detail Report can also be pulled within the Reports section.

CTX Addenda CTX (Corporate Trade Exchange) batches can be uploaded through Validator however, only the first addenda record of an ACH CTX entry is sent on through to the ACH network.

New Feature! CTX batches can be uploaded through Bulk Load and all addenda records will be sent on through to the ACH network. Note: On the '6' entry record, there is an edit for the Number of Addenda Records field (positions 55-58). The number or count in that field needs to be the same number as the physical addenda records that follow the entry.

Authorizing a batch from an ACH Bulk Load

Batches require another operator to release. The operator who creates a batch through Validator cannot release their own batch. Another operator must release the batch.

Batches from ACH Bulk Load require another operator to authorize batches. The operator who creates a batch through ACH Bulk Load cannot authorize their own batch. Another operator must authorize the batch. An Authorization to a batch requires a token passcode.

Supported Data CCD, PPD, CCD+ New Feature! The same Standard Entry Class (SEC) codes are supported, along with Accounts Receivable Entry (ARC), Back Office Conversion (BOC), Corporate Trade Exchange (CTX), and Point of Purchase Entry (POP).

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ACH Import A file can be imported into a template, an existing batch, or a freeform batch to create payments. If your batches exceed 10,000 records, it is recommended that your company work with your PNC Treasury Management representative on establishing a direct transmission. Your Current ACH... Will Become This... Supported File Types

- Comma Delimited- Fixed Format - NACHA

- Comma Delimited- Tab Delimited - Fixed Length - NACHA

Import Options A file can be imported directly into a Database to update existing and/or create new entries.

Types of Imports Available:- Import into an existing template to add

or update receivers. - Import a new template. - Import a batch from an existing

template. - Import a freeform batch. - Import a list of receivers into a freeform

batch. - Import a list of receivers into an existing

template. Imports can be used to update existing or create new receivers.

A file can be imported into one Database at a time. A file can be imported into one Template at a time.

Import Profiles All Import Formats are created for importing into a Database.

Import Profiles are created for each import type. Each Import Profile created must indicate the type of import.

- Batches Freeform – Create a one time only batch.

- Batches Templated – Create a batch from an existing template.

- Receivers (Batch) – Import only a list of receivers into a batch.

- Receivers (Template)* – Import only a list of receivers into a template.

- Template – Import a new template. * Import Profiles from the legacy ACH module will convert to the Receivers – Template Import Profile.

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Your Current ACH... Will Become This... Tax & Child Support Payments

Import Formats for Tax Payments and Child Support Payments can be created.

Not Available Tax Payments and Child Support Payments cannot be imported into the system*. *Tax and Child Support import formats will NOT be converted.

Import Statuses Imports can be Successful, Successful with exceptions, or Failed.

Imports are either Successful or Failed. If there are items within the imported data file that result in noncompliance with basic ACH formatting requirements, the entire import will fail. Duplicate matches to receivers and unmatched receivers will not cause an import to fail. Please refer to the Import Tip Card for additional information.

Import Receivers Not Available A list of receivers can be imported into a freeform batch and/or an existing template.

Reports The Reports section within the new ACH module allows you to view details regarding batches, imports, templates, your ACH Company List, and audits. Print and/or export your existing ACH Batch List from the legacy ACH module. Batch history will NOT be converted! Your Current ACH... Will Become This... ACH Reports

Reports include Audit Report, Batch Summary Report, Import Report and Validator Summary Report.

Reports include Activity Reports by date and Miscellaneous Reports.

Activity Reports by date

Not Available

New Feature! Batch Report – 90 day retention: The Batch Report contains the Batch Summary Report and the ability to click on the Batch ID to drilldown to the Batch Detail Report. Import Detail – 90 day retention: The Import Detail Report will include the import reports for Batch Import, Template Import, and Receiver Import.

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Your Current ACH… Will Become This… Miscellaneous Reports Not Available

New Feature! Miscellaneous Reports – 90 day retention:

- Custom Batch Report is similar to the Special Report Web Origination – ACH Query. The Custom Batch Report displays summary level or detail level information (including Debit, Credit, and Prenote totals).

- Template Report is a custom report

containing template information.

- ACH Company List contains your Company IDs and Company Names.

- Audit Report is a custom report with

ability to perform an advanced search regarding the activity of operators in the ACH module.

Special Report Web Origination – ACH Query The Web Origination Special Report will be replaced with the Custom Batch Report within the new ACH module. The Custom Batch Report displays summary level or detail level batch information (including Debit, Credit, and Prenote totals). Please Note: Upon conversion, the data within your Web Origination Special Report will only contain the legacy ACH information, which retains 45 days of information. After the 45 day retention has passed, this report will no longer be available.

Audit Report/Audit Log An Audit Report can be generated within the Maintenance section of the module.

The Audit Log section generates a quick view on operators’ activities within the new ACH module. The Audit Report, located in the Reports section, displays a report of operators’ activities and allows for printing.

Printing Reports Same Same

Exporting/ Downloading Reports

- Comma-separated - Tab-separated

- Comma-separated - PDF Although the option for a tab-delimited export is currently not available within the Reports section, operators can chose to export the batch/template list into a tab-delimited format.

Downloading Reports Not Available New Feature! Reports can be downloaded to an Adobe PDF format.

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Confidential

Not Available Confidential is not an option when creating a database.

New Feature! When creating a template or batch, only those operators who have the Confidential entitlement will be able to see those templates or batches. Admin1 and Admin2 are assigned the ability to make templates/batches confidential. They have the ability to assign the confidential entitlement to other operators.

Authorizations/Approvals There are various security features within the new ACH module. Certain security features are mandatory, while others are set by your company’s preference. An Authorization to a Batch requires a token passcode. Your Current ACH... Will Become This... Template Approval

Databases require approval by a different operator if records are added, deleted, or if banking information is changed. Amount changes do not require approval unless the company has requested otherwise.

Your company will be set up with the equivalent database setting upon conversion to the new ACH module. You will be converted to either: Default Setting: On (For any modifications to template) Optional Approval Setting (designated at company level): Conditional (Auto approval for non-routing detail entry and/or addenda field changes). Conditional setting will require a template to be approved in the following conditions:

Addition of receiver Deletion of receiver Changes to:

- Receiver Account R/T Number - Receiver Account Number - Receiver Account Type (Checking,

Savings, etc.) - Receiver Transaction TYPE (Dr/Cr) - Template Name - Template Description - Template Limit - ACH Company - Company Entry Description - Company Discretionary Data (Tax

only) - Recurring Payment Setting

Confidential The Confidential function allows only those authorized to see the transaction.

Your Current ACH... Will Become This...

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- Confidential Setting - Originator Name (IAT only) - Originator Address (IAT only) - Originator City (IAT only) - Originator State (IAT only) - Originator Postal Code (IAT only) - Originator Country (IAT only) - Originator Bank Name (IAT only) - Originator Bank ID Type (IAT only) - Originator Bank Code (IAT only) - Originator Bank Country (IAT only) - Destination Country (IAT only)

If you company setting above needs to be changed contact your PNC Treasury Management representative

Your Current ACH… Will Become This… Batch Approval

For companies with the Validator function assigned, any batches created within the system require another operator to release. Companies without the Validator function can request batch approval turned on/off. Creator cannot release or unrelease a Batch – This is an optional setting to prevent an Operator from manually releasing an ACH batch if that user was also the user who created the batch. Separate Create Batch and release Batch – This prevents the transfer from being automatically released.

As a default setting, ALL batches created require a different operator to authorize. For batches created from templates, tiered and self authorization options can be set by the Administrators or by operators with the Authorization Profile entitlement assigned. Please Note: Freeform batches will always require another operator to authorize.

Authorization Profiles

Not Available There is no option for operators to determine their company’s tiered approval levels.

New Feature! An Authorization Profile is a collection of Authorization Rules that can be applied to a Batch Type. Each Authorization Rule specifies how many different operators must authorize a batch before it will be processed. These tiered approval options can be set by the administrators or by operators with the entitlement assigned. Tiered authorizations can be set for certain batch types. Whatever level that is set will affect all operators within your company. Tiered Levels:

Fixed - Specifies the number of operators, between one and three, required to fully authorize a batch.

Variable - Specifies the number of operators, between one and three, required to fully authorize a batch based on the value of that batch.

Freeform batches will always require another Operator to authorize.

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Your Current ACH… Will Become This… Not Available There is no option for operators to determine their company’s tiered approval levels.

New Feature! The system requires that an operator, other than the one who created or last edited a batch, authorize the batch. However, the system allows you to override this rule in certain circumstances. Each Authorization Rule has an Authorize Own Batch feature that applies to batches created from templates. You may specify that the creator or last editor of a batch that was created from a template authorize the batch in the following scenarios:

- Never - No operators can authorize their

own batch. The “Never” setting is the default upon conversion to the new ACH module.

- Allow when batch is unchanged - Operators can authorize their own batch only if the batch information remains unchanged.

- Allow when the receiver amount, status, addenda and/or entry type are changed - Operators can authorize their own batch if the receiver amount, status, addenda, and/or entry type are the only sets of information changed.

Authorization levels changed within this section will affect all operators within your company. These settings apply to batches created from templates. Some of these settings are not applicable to certain batch types. All batch types are listed, but will be grayed out if it is not applicable. Freeform batches will always require another Operator to authorize.

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Event Notifications Operators can create event notifications to be emailed and/or notified through the PINACLE Message Center when actions occur within the ACH module.

Your Current ACH... Will Become This... Event Notifications

Operators have one option to set up an event notification: ACH Batch Pending Release. When creating this event notification, notifications can be sent via email, through an online notification event on the utility bar, or both ways. Operators have the option to be notified...

as available once a day at a time that you determine every hour starting at 8:00 AM and

ending at 7:00 PM ET A separate event notification needs to be set up for each operator.

There are two options for event notification for ACH:- Batches Pending Authorization - Templates Pending Approval – New!

Operators who wish to receive these events must create their own within the Event Notification section. The ACH Batch Pending Release event will NOT convert to the new Batches Pending Authorization event. Events in the new ACH module should be created by the operator during the pre-conversion process. When creating event notifications, operators have the option to be notified via email, via an online notification event on the utility bar, or both ways. With Batch Pending Authorization and Templates Pending Approval, operators have the option to be notified...

as available once a day at a time that you determine every hour starting at 8:00 AM and ending

at 7:00 PM ET. Since the Templates Pending Approval event is new, any operator who wishes to be notified of this will have to create the event for their ID.

Miscellaneous ACH Items Your Current ACH... Will Become This... ACH Quick Links Not Available

There are no ACH Quick Links available. New Feature! Four ACH Quick Links will be available:

ACH Approve Pending Templates ACH Authorize Pending Batches ACH Create Freeform Batch ACH Create Batch from Template

Holiday Schedule The current Holiday Schedule is available within the PINACLE News Portlet and occasionally displayed on the Message Board within the ACH module.

The current Holiday Schedule is available within the PINACLE News Portlet. Specific holiday processing times are displayed on the opening page of the new ACH module.