user guide - citizens bank · 4 accounts.set.up.with.ach.debit.block...

ACHieve Access® 4.3USER GUIDE

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TABLE OF CONTENTSSECTION 1: OVERVIEW............................................................................3

Chapter 1: Introduction..............................................................................3How.to.Use.This.Manual..............................................................................3Overview.of.ACHieve.Access.Administrative.Functions............................3System.Access.and.Security........................................................................4ACHieve.Access.Transactions......................................................................4

Chapter 2: The ACHieve Access Interface..............................................8Overview.and.General.Rules.......................................................................8The.ACHieve.Access.Login.Page................................................................8The.ACHieve.Access.Multifactor.Authentication.Page..............................9The.Home.Page.Layout..............................................................................10The.ACHieve.Access.User.Profile.............................................................10Flexigrid.Grid.Layout.and.Usage............................................................. 11

SECTION 2: CORPORATE USERS....................................................... 13

Chapter 3: Corporate Administration................................................... 13

High.Level.Overview................................................................................ 14.Add,.Change.or.Delete.Corporate.Groups.............................................. 14Add,.Change.or.Delete.Corporate.Users................................................. 19Corporate.Profile.Approvals..................................................................... 25Corporate.Admin.Dual.Verification.......................................................... 26

Chapter 4: Corporate Transactions........................................................ 26Control.Totals............................................................................................. 26EPA.(Electronic.Payment.Authorization).Add./.Delete./.Modify......... 28Warehouse................................................................................................. 34

Chapter 5: Corporate Audit Reports.................................................... 41Audit.Reporting.Editable.User.Preferences..............................................41Generating.ACHieve.Access.Audit.Reports..............................................42

Chapter 6: ACHieve Access Notifications............................................ 44Control.Total.Notification.Types............................................................... 44Electronic.Payment.Authorization.Notification.Types............................. 44File.Monitoring.Notification.Types........................................................... 45Corporate.Admin.Dual.Verification.Notification.Types........................... 45

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SECTION 1: OVERVIEWChapter 1: IntroductionThe.ACHieve.Access.module.allows.corporate.originators.and.receivers.of.ACH.transactions.to.access.various.types.of.data.stored.on.the.Bank.ACH.system.via.the.Internet.

HOW TO USE THIS MANUAL

At.a.high.level,.there.are.two.sections.of.this.manual.

•..Section 1.provides.a.high.level.overview.of.the.Product.and.provides.tips.for.logging.into.ACHieve.Access.and.navigation.of.the.system.and.includes.general.rules.that.will.be.helpful.in.using.ACHieve.Access.

•..Section 2.details.the.Corporate.Customer.section.of.ACHieve.Access.and.details.how.the.Corporate.Administrator.sets.up.Corporate.Groups.and.Users.and.utilizes.the.various.transactions.available.to.the.Corporate.User.

The.following.table.was.designed.to.help.the.user.locate.the.information.he.or.she.needs.to.utilize.ACHieve.Access:

Chapter or Section Information Discussed

SECTION 1: OVERVIEW

Chapter 1: Introduction •.Overview.of.Administrative.Functions•.Overview.of.ACHieve.Access.Transactions

Chapter 2: The ACHieve Access 4.3 Interface •.Overview.and.General.Rules•.The.ACHieve.Access.Login.Page•.The.ACHieve.Access.Multifactor.Authentication•.The.Home.Page.Layout•.The.ACHieve.Access.User.Profile•.Flexigrid.Grid.Layout.and.Usage

SECTION 2: CORPORATE USERS

Chapter 3 Corporate Administration •.High.Level.Overview•.Add,.Change.and.Delete.Corporate.Groups•.Add,.Change.and.Delete.Corporate.Users•.Corporate.Profile.Approvals•.Corporate.Admin.Dual.Verification

Chapter 4 Corporate Transactions •.Working.with.the.ACHieve.Access.Transactions:.•.Control.Totals•.Electronic.Payment.Authorizations•.Warehouse

Chapter 5: Corporate Audit Reports •.Audit.Reporting.Editable.User.Preferences•.Generating.ACHieve.Access.Audit.Reports

Overview of ACHieve Access Administrative FunctionsCORPORATE ADMINISTRATION

The.Corporate.Administrator.will.need.to.determine.what.users.can.access.the.system.and.which.of.the.features.of.ACHieve.Access.these.users.can.utilize.

Subsequent.sections.of.this.document.define.the.requirements.for.each.function.

•.Control.Totals

•..For.Corporate.Customers,.Control.Totals.are.assigned.at.the.Corporate.Group.level..Citizens.Bank.will.assign.transactions.to.the.Corporate.Customer,.but.then.a.Corporate.Admin.can.assign.these.transactions.at.the.Group.level.to.limit.access.to.users.assigned.to.particular.groups.

•.Electronic.Payment.Authorization.(EPA)

•..To.preemptively.reduce.your.exposure.to.fraud,.Citizens.Bank.administers.and.manages.an.ACH.Debit.Block.service.that.automatically.returns.all.ACH.Debits,.preventing.them.from.posting.to.your.account

•..Citizens.Bank’s.ACH.Debit.Filter.service.enables.you.to.create,.maintain.and.update.Electronic.Payment.Authorizations.(EPA).to.filter.and.identify.ACH.Debit.transactions.that.are.approved.to.post.to.your.account..Users.can.create,.change,.and.delete.Electronic.Payment.Authorizations.for.all.

ACHieve Access 4.3 User Guide for Corporate Customers

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accounts.set.up.with.ACH.Debit.Block

•..Additionally,.this.service.provides.dual.approval.to.mitigate.fraud.and.reduce.the.costs.and.inefficiencies.associated.with.inadvertently.approving.or.rejecting.ACH.Debit.payments

•.Warehouse

•..Since.the.warehouse.functionality.is.Inquiry.Only,.the.only.security.option.to.be.defined.for.each.user.is.whether.they.can.utilize.the.Warehouse.option.for.items.in.the.warehouse.

•..Access.to.warehouse.items.is.assigned.at.the.Corporate.Group.level..A.Corporate.Admin.can.assign.this.access.at.the.Group.level.to.limit.access.to.users.assigned.to.particular.groups.

System Access and SecurityThe.enhanced.application.security.and.entitlements.offered.via.ACHieve.Access.enables.organizations.to.control.access.to.transaction.details.with.customized.User.Groups..In.addition.to.controlling.access.to.transaction.information,.User.Group.entitlements.can.also.be.used.to.determine.which.users.can.perform.various.functions,.which.users.receive.email.notifications.and.which.users.can.access.and.inquire.on.information.

Getting Started:.Each.User.must.be.entitled.to.access.this.application..Once.entitled,.users.can.access.using.their.appropriate.login.credentials.

Each.ACHieve.Access.user.will.have.a.unique.ID.and.password.that.is.used.for.login.purposes.and.to.track.all.activity.that.a.user.performs..Security.information.is.maintained.on.each.user’s.profile.record.that.identifies.what.functions.on.ACHieve.Access.they.can.access.and.what.data.they.can.access.on.the.ACHieve.system.

AUDIT REPORTING

The.ACHieve.Access.Admin.user.has.the.ability.to.generate.audit.reports.for.any.users.or.transactions..After.login.into.the.system,.Administrators.can.access.the.Reports.link.in.the.ACHieve.Access.accordion.menu.on.the.left.side.of.the.home.page.

•.When.user.clicks.on.the.Reports.link.it.will.show.Audit.Report.page.where.the.user.can.set.preferences.and.generate.the.Audit.reports.

•.Web.audit.reporting.is.available.in.PDF.or.HTML.format

The.Admin.will.be.able.to.generate.reports.for.his.corporate.account.only.

•.Web.audit.reporting.online.editable.user.preferences

Users.can.set.their.preferences.to.generate.the.reports..The.Admin.can.set.and.save.preferences.for.the.Audit.Report..This.page.contains.Report.Type.(HTML,.PDF),.Report.Order.(Ascending,.Descending),.Activity.Type.(All,.Add/Change/Delete).and.Sort.Fields.

NOTIFICATION PROCESSES

The.ACHieve.Access.module.can.perform.numerous.types.of.notifications.for.the.end.user.(based.on.the.application)..Each.application.(or.function,.such.as.EPA).has.a.notification.table.where.specific.events.are.logged..For.example,.any.time.a.transaction.is.rejected.for.“No.Authorization.on.File”.a.record.is.written.to.the.EPA.Notification.table.

Notifications.are.controlled.at.the.Administration.level.and.can.be.assigned.to.each.user.as.needed.

ACHieve Access TransactionsCONTROL TOTALS

OverviewControl.Total.Verification:.Citizens.Bank’s.ACH.Control.Total.Verification.feature.provides.an.alternative.method.of.entering.File.Control.Totals.for.ACH.Origination..Using.this.feature,.users.can.submit.approved.transaction.totals.which.will.be.used.to.verify.the.ACH.file.totals.on.the.file.received.by.the.bank..If.the.file.values.received.by.Citizens.Bank.match.the.approved.transaction.totals,.the.file.will.be.submitted.for.straight-through.processing..If.the.file.values.received.by.Citizens.Bank.do.not.match.the.approved.transaction.totals,.you.will.be.notified.of.the.exception.and.Citizens.Bank.will.work.with.you.to.resolve.the.discrepancy..ACH.Control.Total.Verification.enables.users.to.submit.the.approved.transaction.totals.(Total.Debit.Dollar.Amount.and.Total.Credit.Dollar.Amount.for.ACH.Origination.files).directly.into.the.Citizens.Bank.Treasury.Online.Portal..This.feature.enables.users.to.save.time.and.dynamically.manage.ACH.Origination.files.at.the.user’s.convenience.

ELECTRONIC PAYMENT AUTHORIZATION (EPA)

OverviewCitizens.Bank.ACH.EPA.service.enables.you.to.create,.maintain.and.update.Electronic.Payment.Authorizations.(EPAs).to.filter.and.identify.ACH.Debit.transactions.that.are.approved.to.post.to.your.account..Users.can.create,.change,.and.delete.Electronic.Payment.Authorizations.for.all.accounts.set.up.on.ACHieve.Access.

Electronic.Payment.Authorizations.identify.ACH.Debit.transactions.by.Originator.(Company.Identification);.however,.you.can.further.customize.the.filters.using.additional.authorization.criteria:

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•.Single.Payment.Authorization•.Recurring.Payment.Authorization•.Fixed.Dollar.Amount•.Maximum.Dollar.Amount•.Authorization.Expiration.Date

How it Works:When.Citizens.Bank.receives.an.ACH.debit.transaction.for.an.account.with.an.established.EPA,.a.query.is.performed.against.EPAs.on.file.for.that.account.

If.the.transaction.meets.the.authorization.criteria.(as.defined.by.the.client.),.the.transaction.is.posted.to.the.account.

If.the.transaction.does.not.match.the.authorization.criteria,.Citizens.Bank’s.ACHieve.Access.service.will.send.email.notifications.to.designated.users.

•..Upon.receipt.of.the.notification,.the.user.will.have.the.opportunity.to.review.the.ACH.debit.transaction.and.decide.if.the.transaction.should.be.paid.or.if.it.should.be.returned.to.the.originating.bank.

•..If.the.transaction.is.approved.to.proceed.with.payment,.the.user.will.have.the.opportunity.to.create.a.new.EPA.Filer.to.authorize.future.occurrences.of.these.types.of.transactions.

BENEFITS TO CORPORATE RECEIVER:

•.Allows.the.corporate.to.exercise.more.control.over.what.entries.are.allowed.to.post.

•..Provides.“real-time”.status.information.regarding.what.transactions.have.been.rejected.for.no.authorization.record..The.online.decisioning.feature.will.allow.the.receiver.to.authorize.the.transaction.in.the.timeframe.required.before.the.entry.is.returned.

•.Will.provide.online.access.to.what.authorization.records.are.active,.expired,.and.used.

•..Provides.“real-time”.status.information.regarding.the.acceptance.of.the.authorization.record.during.the.add.process..This.will.ensure.the.receiver.that.the.authorization.record.was.added.properly.and.is.“active”.

Reject DecisioningACHieve.Access.receivers.of.ACH.entries.that.have.rejected.for.“No.Authorization.On.File”.or.“Non-qualified.Authorization”.are.notified.via.e-mail.

Each.detail.transaction.that.has.rejected.for.an.account.during.the.collection.window.will.create.a.single.notification..The.following.information.about.each.detail.reject.is.provided.in.the.“Reject.Notification”:

•.Company.ID. . . . •.Company.Name•.Entry.Description. . . •.Effective.Date•.Account.Number. . . •.Transit.Routing.Number•.Transaction.code.(Debit.or.credit). . •.Individual.Name•.Individual.ID. . . . •.Amount•.PEP+.PAR.Number•.Reject.Reason.–.Either.no.authorization.on.file,.or.authorization.present.but.item.did.not.“qualify”.•.A.message.indicating.when.the.entry.is.recollected.and.returned

Once.the.receiver.has.reviewed.this.reject.information,.they.can.go.in.to.ACHieve.Access.and.perform.“decisioning”.on.the.reject..They.will.have.three.options:

•.Accept.(allows.entry.to.post.to.their.account).•.Refuse.(item.is.returned).•.Pending.(decision.not.known.at.this.time).

Decisioning.can.only.be.performed.until.4.pm.ET..When.the.user.selects.the.“Accept”.option,.they.are.indicating.the.item.should.be.allowed.to.post..When.this.reject.item.is.recollected,.the.bank.ACH.system.will.re-route.this.transaction.to.the.appropriate.posting.endpoint.and.will.not.look.for,.or.use,.any.existing.authorization.records..During.the.acceptance.process,.the.user.is.given.the.option.to.view.(and.potentially.change).an.existing.authorization.record.(if.one.was.present).to.determine.why.the.item.rejected,.and.to.make.any.appropriate.modifications.to.allow.future.transactions.to.post..If.the.detail.item.rejected.because.no.authorization.record.was.located,.the.user.is.given.the.option.to.add.an.authorization.record.so.that.future.transactions.will.not.reject..It.is.important.to.note.that.any.changes.or.additions.to.authorization.records.made.during.the.acceptance.“session”.will.only.impact.future.transactions.

If.the.user.determines.the.entry.should.be.returned,.they.will.select.the.REFUSE.option.and.the.item.is.returned.

If.the.user.is.unsure.what.action.should.be.taken.on.the.reject,.any.item.left.in.a.pending.status.after.the.decision.deadline.of.4.pm.ET.will.be.returned....This.will.allow.them.to.browse.only.PENDING.rejects.if.desired..At.the.appropriate.recollection.time,.any.detail.rejects.in.a.PENDING.status.will.again.be.edited.against.the.Electronic.Authorization.file.

EPA DUAL VERIFICATION

The.use.of.Dual.authorization/verification.processing.is.a.standard.and.recommended.practice..Dual.Verification.is.defined.as.a.process.by.which.both.parties.are.in.full.agreement.with.the.disposition.of.an.item.before.it.can.be.approved.and.released.from.the.dual.verification.queue.


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Dual.Verification.can.be.required.for.EPA.updates.(adds,.changes,.and.deletions),.and.for.reject.item.decisioning.actions.(acceptance.or.refusal.of.rejects)..Dual.verification.parameters.are.defined.at.the.corporate.group.and.individual.corporate.user.levels..The.way.these.parameters.work.together.is.as.follows:

CORPORATE CUSTOMER DUAL VERIFICATION

High Level Overview:

•..Optional.transaction.amount.limits.can.be.applied.to.Corporate.groups.and/or.individual.Corporate.users.that.will.allow.them.to.bypass.dual.approval.processes.when.under.a.specified.dollar.amount.

•.Both.parties.must.be.in.complete.agreement.to.approve.a.transaction.

•.A.user.can.not.approve.his/her.own.transactions.

CORPORATE GROUP LEVEL DUAL VERIFICATION

There.are.two.levels.for.dual.verification.at.the.Corporate.Group.level..Please.note.that.only.a.Level.2.Associate.can.approve.an.item.

•.Level.1.Associate.(Enter.EPA.transactions)

•.Level.2.Associate.(Enter.EPA.transactions.and.approve.EPA.the.transactions.of.other.Level.1.and.Level.2.users)

Additionally,.dollar.amount.levels.can.be.utilized.as.well.as.Associate.levels.

•..Maximum.Dollar.Amount.–.Qualifying.entry.for.less.than.or.equal.to.the.amount.in.this.field.will.require.NO.VERIFICATION.for.a.user.of.the.listed.Authorization.Type..This.applies.to.EPA.Add.only.

•..Note:.There.are.no.entry.threshold.limits.for.the.approval.of.EPA.Adds..Level.1.and.Level.2.users.can.enter.any.dollar.amount.when.performing.an.EPA.Add..The.Maximum.Dollar.Amount.threshold.lists.the.specific.amount.a.user.can.enter.without.any.required.verification,.but.a.Level.2.Associate.can.approve.an.authorization.of.any.dollar.amount.

Example:

A.total.of.3.users.have.been.set.up.for.authorization:

User 1.is.a.LEVEL.1.user.with.a.threshold.of.$1,000.00.

User 2.is.a.LEVEL.2.user.with.a.threshold.of.$1,000.00.

User 3.is.a.LEVEL.2.user.with.a.threshold.of.$5,000.00

If.User 1.adds.an.authorization.for.$2,000.00,.it.is.over.his.threshold.and.needs.to.be.approved.by.one.of.the.LEVEL.2.users.(User.2.or.User.3).

If.User 2.adds.an.authorization.for.$500.00,.it.is.under.his.threshold.and.doesn’t.need.approval.

If.User 3.adds.an.authorization.for.$10,000.00,.it.is.over.his.threshold.and.User.2.would.need.to.approve..Even.though.User.2.can.only.add.new.items.up.to.$1,000.without.requiring.approval,.he.can.approve.items.added.by.another.user.regardless.of.the.dollar.amount.

The.processes.for.performing.EPA.updates.and.Reject.Decisioning.are.the.same.when.Dual.Verification.is.turned.on,.but.several.of.the.resulting.screens.are.different.and.let.the.user.know.that.their.action.is.pending.verification.

HOW ACHIEVE ACCESS DETERMINES A USER’S AUTHORIZATION LEVEL

Because.there.potentially.could.be.situations.where.a.ACHieve.Access.Corporate.User.could.belong.to.multiple.Corporate.Groups.with.different.Dual.Verification.levels,.it.is.important.to.understand.what.level.takes.priority..The.following.examples.are.provided.for.clarity:

Sample 1.–.User.1.is.set.to.Level.1.Associate.at.the.Corporate.User.level..User.1.is.also.in.a.Corporate.group.that.is.Level.2..(The.User.level.settings.override.Group.level.settings.so.this.User.would.be.Level 1 Associate)

Sample 2.–.User.2.is.set.to.Level.2.Associate.at.the.User.Level..User.2.is.also.in.a.Corporate.Group.that.is.Level.1.(The.User.level.settings.override.group.level.settings.so.this.User.would.be Level 2 Associate)

Sample 3.–.User.3.is.set.at.“Default.to.Group”.at.the.User.level..He.belongs.to.multiple.Corporate.Level.Groups..One.group.is.Level.1.Associate..Another.group.is.Level.2.Associate.with.a.dollar.amount.of.$500..Another.group.is.set.at.Level.2.Associate.with.a.Dollar.amount.of.$1000..(User.3.would.default.to.the.most.powerful.option:.Level 2 with a Dollar amount of $1000 – meaning that this user could decision all pending EPA transactions and could enter EPA transactions at up to $1000.00 without requiring Dual Verification of his entry.)

Important:.Please.keep.in.mind.that.when.utilizing.EPA.Dual.Verification.that.there.must.be.at.least.one.Level.2.Associate.available.to.decision.pending.EPA.transactions.

Corporate User LevelCorporate.User.Dual.Authorization.set.up.at.the.user.level.is.only.intended.to.override.group.options.and.the.default.setting.at.the.user.level.is.“Group.Default.”

There.are.three.possible.options.for.Corporate.User.Level.Dual.Verification:

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•.Default.to.Group.–.use.the.Dual.Verification.setting.designated.on.the.Corporate.Group.to.which.this.user.belongs.

•.Level.1.Associate.(Enter.EPA.transactions)

•.Level.2.Associate.(Enter.EPA.transactions.and.approve.EPA.the.transactions.of.other.Level.1.and.Level.2.users)

Additionally,.dollar.amount.levels.can.be.utilized.as.well.as.Associate.levels.

•..Maximum Dollar Amount.–.Qualifying.entry.for.less.than.or.equal.to.the.amount.in.this.field.will.require.NO.VERIFICATION.for.a.user.of.the.listed.Authorization.Type..This.applies.to.EPA.Add.only.

WAREHOUSE

OverviewWarehouse.Inquiry:

Citizens.Bank’s.ACH.Warehouse.Inquiry.feature.enables.users.to.query.Citizens.Bank’s.ACH.database.for.both.originated.and.received.ACH.transactions..This.feature.provides.access.to.additional.transaction.information.including.remittance.details.

Originators.of.ACH.files.can.access.any.data.they.originated.that.resides.on.the.Warehouse.(primary.and.extended)..Each.file.or.batch.processed.by.the.originator.is.assigned.an.application.name.(such.as.PAYROLL).which.is.communicated.to.the.originator..Access.to.warehouse.transactions.for.Corporate.Customers.will.be.assigned.by.the.Bank.Admin..Once.the.Bank.Admin.has.added.Points/Collection.Applications.and.Accounts.these.Point/CA/Account.Numbers.can.be.assigned.to.a.Corporate.Group..Bank.Users.will.be.able.to.browse.all.Point/CA/Account.Numbers.added.by.the.Bank.Admin.using.the.Transaction.Setup./.Warehouse.setup.for.Bank.transactions..This.is.how.ACHieve.Access.will.determine.what.data.any.particular.user.can.access.

The.browse.sequence.allows.the.user.to.access.all.files.they.have.originated.and.then.view.information.regarding.each.batch.in.the.file..From.the.Batch.Browse.screen,.the.user.is.able.to.view.information.regarding.each.detail.entry.in.the.batch..From.the.Detail.Browse.screen,.the.user.can.view.all.details.within.the.batch.and.then.select.one.for.inquiry.

The.Originator.Browse.functionality.cannot.be.used.to.access.batch.and.detail.records.after.10.business.days.of.the.effective.entry.date..The.detail.records.can.only.be.accessed.using.the.Originator.by.Account.Number.warehouse.option.

Note:.If.the.account.number.is.known.and.specific.information.about.a.detail.transaction.is.needed,.the.user.should.use.the.“By.Account.Number”.option.to.access.the.detail.most.efficiently.

Receivers.of.ACH.entries.may.wish.to.inquire.upon.their.items.in.the.Warehouse.(based.on.account.number).via.the.ACHieve.Access.module..The.profile.records.for.the.external.users.indicate.what.account.numbers.the.users.can.access.

In.the.ACHieve.Access.environment,.warehouse.inquiry.options.are.divided.into.the.following.categories.depending.on.whether.the.user.is.a.receiver.or.an.originator.of.ACH.entries:

Originator.–.Using.browse.technique.or.Using.account.numberReceiver.–.Using.account.number

The.ability.for.the.corporate.ACH.originators.(or.receivers).to.perform.their.own.warehouse.inquiry.requests.will.benefit.the.corporate.originator.(or.receiver).by.eliminating.the.need.to.contact.the.financial.institution.to.determine.the.status.of.an.entry.or.file.being.originated.or.received..Additionally,.information.is.available.24x7.for.true.self-servicibility.

FILE MONITORING

OverviewOriginators.of.ACH.files.often.call.their.originating.bank.after.they.have.transmitted.an.ACH.input.file.to.determine.the.status.of.that.file..ACHieve.Access.will.allow.the.originator.to.receive.electronic.notification.of.their.file.status.during.various.phases.of.processing..This.electronic.notification.process.will.ensure.the.originators.are.notified.immediately.of.any.problems.and.reduce.the.number.of.inquiries.received.in.the.ACH.Operations.department.

Files.received.for.processing.at.banks.will.go.through.two.main.processing.steps:.Arrival.and.Collection..The.arrival.process.reads.the.input.file,.identifies.which.Point.the.file.belongs.to,.writes.the.input.data.to.the.required.dataset.name,.and.marks.the.file.as.arrived..The.arrived.status.on.the.file.ensures.the.file.is.collected.in.the.next.ACH.window.

During.the.collection.process,.the.file.is.edited.and.written.to.the.Warehouse..The.standard.edits.performed.for.a.collected.file.include:.Batch.and.File.Trailer.Validation,.Collection.Application.Recognition.(if.applicable),.Duplicate.File.Editing.(on.both.total.and.file.header.information),.Risk

Edits,.and.Control.Total.Validation..Based.on.the.edit.parameters.defined.on.the.ACH.database.the.file.(or.batch).may.be.Processed,.Suspended,.or.Rejected.if.any.of.edits.fail.

The.File.Monitoring.feature.of.ACHieve.Access.allows.the.originator.of.the.file.to.receive.electronic.notification.of.processing.status.information.during.the.Arrival.and/or.Collection.Processes..Notifications.are.sent.via.e-mail.

The.ACHieve.Access.File.Monitoring.feature.is.optional..If.an.originator.chooses.to.use.this.option,.they.have.the.option.to.receive.a.notification.during.only.ASAP/Arrival.processing,.only.Collection.processing,.or.both.

The.File.Monitoring.notification.process.will.work.as.follows:

1.The.file.is.transmitted.to.the.bank.for.processing.


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2.The.file.is.processed.through.the.Citizens.Gateway

3.A.notification.is.sent.to.the.originator.that.indicates.the.file.was.arrived.

4.The.file.is.collected.into.the.ACH.window.

5..A.notification.is.sent.to.the.originator.that.indicates.the.file.(or.application).was.collected.and.provides.the.status.of.the.file.(or.application).collection.

BENEFITS TO CORPORATE ORIGINATOR:

•..Provides.a.timely.notification.when.file.is.received.at.the.bank..This.will.eliminate.the.need.for.the.originator.to.contact.the.bank.to.verify.the.file.was.received.

Chapter 2: The ACHieve Access InterfaceOVERVIEW AND GENERAL RULES

•.Field Names,.Mandatory Y N Indicator,.Data Type,.Maximum Length.and.Field Labels.are.controlled.at.the.Bank Level.

•..When.the.user.does.not.put.an.appropriate.response.in.a.required.field,.an.error.or.informational.message.will.display.next.to.the.field.or.fields.letting.the.user.know.to.reenter.the.correct.response.or.responses.

•.The.rules.for.ACHieve.Access.User.Login,.Passwords.and.Multifactor.Authentication.are.maintained.at.the.Bank Level.

SPECIAL CHARACTERS

In.ACHieve.Access.the.use.of.special.characters.is.hard.coded.in.the.system.and.usage.varies.by.field..As.a.general.rule,.fields.that.allow.a.data.type.of.“CHAR”.will.allow.most.special.characters.to.be.utilized..Please.note.that.two.special.characters.that.cannot.be.used.in.ACHieve.Access.at.any.time.are.the.“less.than”.and.“greater.than”.symbols.“<”.and.“>”.

THE CANCEL BUTTON

The.Cancel.Button.will.return.the.user.to.the.previous.screen..Please.note.that.all.information.entered.on.the.screen.or.form.will.be.lost.when.the.Cancel.Button.is.selected.

BROWSER “BACK”, “FORWARD” AND “REFRESH” BUTTONS

It.is.recommended.that.the.ACHieve.Access.user.not.utilize.the.browser.“Back”,.“Forward”.and.“Refresh”.buttons.at.any.time.

ACHieve.Access.allows.some.the.use.of.the.Internet.Explorer.Browser.“Back”,.and.“Forward”.buttons..But.in.most.instances.a.message.will.display.warning.the.user.that.this.action.will.cause.him.to.be.logged.out.of.ACHieve.Access..The.Refresh.button.will.always.cause.the.warning.message.to.be.displayed..However,.it.should.be.noted.that.the.Cancel.button.in.ACHieve.Access.can.always.be.used.to.cancel.out.of.the.current.action.and.return.the.user.to.the.previous.page.

The ACHieve Access Login PageThe.initial.ACHieve.Access.User.Login.screen.is.shown.below.

Corporate.users.will.need.to.enter.the.Organization.Name.in.the.Company.ID.field.and.their.User.ID.in.order.to.proceed.

Once.the.user.has.entered.the.Company.ID.and.User.ID,.click.on.the.Next.button.

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Corporate.users.will.need.to.enter.their.Temporary.Password,.New.Password.and.Confirm.New.Password,.click.on.the.Next.button.

FIELD DEFINITIONS

Organization Name. The.name.of.the.Organization.for.the.Corporate.User..This.field.is.required.for.Corporate.Users.

User ID. This.required.field.contains.the.ID.of.the.ACHieve.user..By.default.this.field.is.case.sensitive.

Temporary Password. The.password.is.sent.directly.to.the.user.from.the.bank.and.by.default.this.field.is.case.sensitive.

New Password. The.user.creates.a.new.password.following.the.provided.credentials.on.the.login.screen.

Confirm New Password. The.user.will.re-enter.their.new.password.in.this.field.to.confirm.change.

The ACHieve Access Multifactor Authentication PageOVERVIEW

The.ACHieve.Access.Multi-Factor.Authentication.allows.the.flexibility.for.a.number.of.challenge.questions.to.be.set.up.to.be.chosen.by.each.ACHieve.Access.user.to.associate.personalized.questions.convenient.for.his.or.her.login.

MULTIFACTOR SETUP AND USAGE

The.first.time.a.user.logs.into.ACHieve.Access.they.will.need.to.set.up.Security.Questions.and.Answers.that.will.be.used.in.subsequent.logins.

Once.the.user.enters.the.answers,.press.the.Next.button.

FIELD DEFINITIONS

Security Question (Response)This.required.field.contains.the.answer.the.user.set.up.for.use.during.the.login.procedure.


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The Home Page LayoutThe.Home.Page.for.the.Corporate.Customer.will.show.any.system.alerts.in.the.middle.portion.of.the.page..These.alerts.are.posted.by.the.bank.

The.menu.that.appears.on.the.left.side.of.the.ACHieve.Access.will.vary.from.user.to.user,.depending.on.the.groups.to.which.that.user.has.been.assigned.

THE CORPORATE ADMINISTRATION HOME PAGE

The Corporate User Home Page

THE ACHIEVE ACCESS ACCORDION MENU

The.main.functions.available.to.the.user.are.available.in.a.menu.on.the.left.side.of.screen.which.is.available.to.the.user.at.all.times.when.working.in.ACHieve.Access...This.menu.is.an.“accordion.menu”,.meaning.that.if.the.user.selects.one.of.the.main.menu.items.then.the.links.under.that.item.will.drop.down.and.display.

Please note.that.if.the.user.does.not.have.access.to.a.particular.ACHieve.Access.feature.or.response,.the.menu.for.that.feature.will.not.display.in.the.ACHieve.Access.menu.on.the.home.screen.

Another.useful.feature.of.the.ACHieve.Access.menu.is.that.the.user.can.always.tell.where.they.are.in.the.ACHieve.Access.system.by.looking.at.this.menu.because.the.current.section.link.will.be.a.different.color.

THE NAVIGATION BAR

On.the.upper.right.side.of.all.ACHieve.Access.pages.is.a.navigation.bar.that.allows.the.user.to.navigate.to.the.home.page.from.any.part.of.the.system.by.selecting.the.Home.link..Additionally,.the.user.can.edit.his.or.her.profile.by.selecting.the.Profile.link.or.logging.out.of.the.system.by.selecting.the.Logout.link..Please.note.that.all.information.entered.on.a.page.or.form.will.be.lost.when.the.one.of.these.buttons.is.selected.and.the.user.navigates.away.from.the.current.page.

The ACHieve Access User ProfileThe.ACHieve.Access.user.will.be.required.to.set.up.his.user.profile.the.first.time.he.logs.into.the.ACHieve.Access.system..After.initial.setup,.he.or.she.can.edit.this.data.at.any.time.by.accessing.the.Profile.link.in.the.navigation.bar.on.the.top.right.side.of.every.ACHieve.Access.page.

CHANGE PASSWORD, FORGOT PASSWORD OR LOCKED USER ID

In.the.event.the.user.has.trouble.logging.in.the.user.can.click.on.the.Trouble.Logging.In.hyperlink.

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CHANGE MULTIFACTOR LOGIN QUESTIONS

Users.can.edit.their.security.questions.and.answers.at.any.time.by.selecting.the.Trouble.Logging.In.link.from.the.navigation.bar.

Flexigrid Grid Layout and UsageData.is.displayed.in.table/grid.layouts.in.the.ACHieve.Access.interface.utilizing.flexigrid.technology.

The.flexigrid.component.utilized.for.ACHieve.Access.table.displays.is.intuitive.and.includes.features.to:

•.Search.for.records.matching.your.supplied.criteria.(by.first.clicking.the.search.icon).•.The.ability.to.sort.in.either.ascending.or.descending.order.by.a.selected.column.•.The.ability.to.hide.and/or.show.columns.to.make.optimum.use.of.available.space.•.The.ability.to.navigate.between.pages.using.the.navigation.icons.or.jump.straight.to.a.particular.page.

Other.features.include:

•.Resizable.columns.(height.and.width)•.Sortable.column.headers•.Toolbar•.Full.Search.capability

THE SYSTEM ALERTS NAVIGATION BAR

All.tables.in.ACHieve.Access.will.utilize.the.following.navigation.bar:


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Button / Label Description

The.magnifying.glass.button.opens.the.search.option.when.selected..The.user.can.search.for.alerts.by.entering.a.portion.of.the.Alert.Message.name..The.dropdown.allows.the.user.to.search.by.Alert.Message,.Alert.Type,.Alert.Frequency.or.Alert.Status.

The.number.of.items.to.view.per.page.drop.down.label.can.be.modified.to.view.10,.15,.20,.30.or.50.System.Alerts.per.page.

The.back.button.allows.the.user.to.go.back.one.page..For.example.if.the.user.wanted.to.go.from.Page.4.to.Page.3.he.could.click.this.button.

The.go.to.beginning.button.allows.the.user.to.go.from.whatever.page.he.is.on.to.the.first.page.of.System.Alerts.

This.indicator.shows.what.page.the.user.is.on.at.any.particular.time.

The.forward.button.allows.the.user.to.go.forward.one.page..For.example.if.the.user.wanted.to.go.from.Page.3.to.Page.4.he.could.click.this.button.

The.go.to.last.page.button.allows.the.user.to.go.from.whatever.page.he.is.on.to.the.last.page.of.System.Alerts.

The.refresh.button.updates.The.status.for.all.the.System.Alerts

This.label.indicates.the.number.of.System.Alerts.that.are.being.displayed.on.the.page.as.the.total.number.of.System.Alerts.in.ACHieve.Access.

CHANGING THE GRID DISPLAY

The.following.screen.shows.an.example.of.a.flexigrid.used.on.the.User.EPA.page.

This.is.the.default.view..Every.time.the.user.goes.to.this.page.the.columns.will.display.in.this.predefined.order..However,.the.user.can.modify.this.view.while.working.with.this.data..Just.keep.in.mind.that.any.changes.made.to.the.table.grid.will.be.lost.when.the.user.navigates.away.from.this.page.

By.clicking.the.down.arrow.that.appears.when.moving.the.mouse.over.the.column.headers,.the.user.can.display.a.list.of.the.possible.columns.

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When.this.down.arrow.is.selected,.the.list.of.columns.is.displayed..The.user.can.then.add.or.remove.columns.for.this.view.by.selecting.or.deselecting.the.checkbox.next.to.the.column.name..The.blank.column.header.represents.the.radio.button.selector..If.this.column.is.removed.then.the.grid.will.not.allow.selection.of.specific.rows.and.will,.in.effect,.make.the.grid.read.only.

Besides.adding.and.removing.columns,.the.user.can.also;.

•..Change.the.sort.of.the.grid.by.selecting.the.appropriate.column.label.and.clicking.the.left.mouse.button..The.user.can.change.the.table.grid.sort.order.to.be.alphabetically.bottom.down.starting.with.Z

•..Move.columns.one.at.a.time.by.holding.down.the.left.mouse.button.to.select.the.column.heading.and.dragging.it.in.the.direction.he.would.like.to.move.the.column..

•..Resize.a.column.or.row..Simply.select.the.space.between.two.columns.or.rows.with.the.mouse.pointer.and.when.the.mouse.icon.changes.to.a.“T”.shape.as.in.the.picture.below,.hold.down.the.left.mouse.button.and.drag.in.the.direction.you.would.like.to.resize.

Note:.Modifications.to.the.grid.layout.will.change.back.to.default.when.the.user.navigates.away.from.the.current.page..At.this.time.changes.to.the.system.grids.will.not.be.saved.in.ACHieve.Access.

SECTION 2: CORPORATE USERSChapter 3: Corporate AdministrationThe.Corporate.Administration.tab.of.the.ACHieve.Access.Corporate.Home.Screen.is.where.the.corporate.administrator.can.enter.and.modify.information.pertaining.to.the.corporate.organization,.or.to.the.corporate.customers..The.main.functions.of.this.section.include:

•.Add,.Modify.or.Delete.Corporate.User•.Add,.Modify.or.Delete.Corporate.Group•.Using.Corporate.Group.Add.or.Modify,.assign.ACH.transactions.to.the.Corporate.Groups.


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High Level OverviewACHIEVE ACCESS CORPORATE USER LOGIN

Once.a.bank.has.built.the.corporate.customer.records.and.created.an.ID.for.the.Corporate.Admin.users,.the.corporate.customer.is.notified.with.the.information.needed.to.access.ACHieve.Access.and.complete.the.required.set.up.of.corporate.groups.and.corporate.users.

Please.note.that.by.default,.all.user.ID’s.and.passwords.are.case.sensitive..The.default.user.ID.and.password.should.be.entered.using.the.proper.case.

It.is.always.necessary.for.the.corporate.users.to.enter.their.Organization.Name.in.the.Company.ID.field.and.User.ID.on.the.ACHieve.Access.User.Login.page..These.fields.are.required.for.corporate.users.

The.ACHieve.Access.Multi-Factor.Authentication.process.allows.the.flexibility.for.a.number.of.challenge.questions.to.be.set.up.to.be.chosen.by.each.ACHieve.Access.user.to.associate.personalized.questions.convenient.for.their.login.

Once.the.Corporate.Administrator.is.created,.he.or.she.can.then.proceed.to.the.following.steps:

•..Set.up.the.Corporate.Groups.that.will.be.needed.by.Corporate.Customer..Typically.this.would.include.at.least.one.Administrative.Group.and.one.Non.Administrative.Group.

•.Using.the.Corporate.Group.Add.or.Modify.actions,.assign.ACH.transactions.to.the.Corporate.Groups.•.Set.up.the.Corporate.Users.and.assign.them.to.the.appropriate.groups.

At.a.minimum,.the.Bank.will.set.up.the.Corporation,.one.Admin.Group.and.two.Corporate.Administrators.assigned.to.the.group..Additionally,.the.Bank.will.assign.ACH.transactions.to.the.Corporation.so.these.transactions.can.then.be.assigned.at.a.Corporate.Group.level.for.Corporate.Users,

Add, Change or Delete Corporate GroupsOVERVIEW FOR ADDING AND DEFINING CORPORATE GROUPS

Typically,.two.Corporate.groups.should.be.defined;.a.Corporate.Administration.group.and.a.Corporate.Non-Administration.group..One.is.for.Corporate.users.that.can.access.the.administrative.functions.and.one.for.Corporate.users.that.cannot.access.administrative.functions.but.can.perform.actual.transactions.

These.groups.could.be.called:

Corporate.Admin.Corporate.General

To.edit.and.maintain.Corporate.Groups,.from.the.Corporate.User.Home.Page.select.the.Corporate.Group.link.under.the.Corporate.Administration.tab.

The.Corporate.Administration.–.Corporate.Group.page.will.display.(below)..From.this.page.the.Corporate.Admin.can.add,.delete.and.modify.Corporate.Groups.

Note:.For.information.on.navigating.in.the.display.grid.found.on.the.Corporate.Administration.-.Corporate.Group.page,.refer.to.the.“Flexigrid.Grid.Layout.and.Usage”.section.found.earlier.in.this.manual.

ACHieve Access Corporate Administration – Corporate Group Page

ADD A CORPORATE GROUP

There.are.two.types.of.groups;.an.“Admin”.group.for.users.who.can.set.up.and.modify.existing.Corporate.groups.and.who.can.view,.create.and.modify.the.

15

various.ACHieve.Access.activities.(Control.Totals,.EPA,.Warehouse.and.Schedules).assigned.to.them.and.a.“Non.Admin”.group.for.users.who.can.only.view,.create.and.modify.the.various.ACHieve.Access.activities.assigned.to.them.

Here.are.the.steps.to.add.a.new.Corporate.Group.to.ACHieve.Access:

1.To.add.a.Corporate.Group,.from.the.Corporate.Administration.–.Corporate.Group.selection.page.select.the.Add.button.2.The.Corporate.Administration.–.Corporate.Group.(Group.Information).page.will.display.3.Enter.the.appropriate.information.in.the.various.fields.on.this.page..For.more.information.on.the.fields.available,.see.below:

ACHieve Access Bank Administration – Bank Group Add Page

The.following.fields.are.available.for.data.entry.when.creating.a.new.Corporate.Group:

Group Name. This.field.contains.the.name.of.the.Corporate.Group..It.is.a.required.field.

Is Admin..This.drop.down.list.box.indicates.if.the.user.is.in.a.Non-Administrative.or.Administrative.group..The.default.option.is.“Non-Administrative”.

Important:.Administrative.groups.are.for.power.users..These.users.can.add,.modify.and.delete.Corporate.Users.and.Groups,.and.utilize.ACHieve.Access.transactions.

Primary Contact..This.field.contains.the.name.of.the.Primary.Contact.person.for.the.Corporate.Group..It.is.an.optional.field.

Contact Email Address..This.field.contains.the.email.address.of.the.Primary.Contact.for.the.group..It.is.a.required.field..The.email.address.must.be.in.the.correct.format.utilizing.the.“@”.sign.and.contain.a.three.digit.extension.following.a.period.such.as.“.com”.or.“.org”.

Contact Phone Number..This.field.contains.the.phone.number.of.the.Primary.Contact.for.the.group..It.is.an.optional.field.

Address..This.field.contains.the.address.of.the.Primary.Contact.for.the.group..It.is.an.optional.field.

City..This.field.contains.the.City.of.the.Primary.Contact.for.the.group..It.is.an.optional.field.

State..This.field.contains.the.State.of.the.Primary.Contact.for.the.group..It.is.an.optional.field.

Zip Code..This.field.contains.the.Zip.Code.of.the.Primary.Contact.for.the.group..It.is.an.optional.field.

Note:.The.Group Name.and.Contact Email Address.are.required.fields..If.these.fields.are.not.entered.or.not.entered.with.valid.information,.the.Bank.Administrator.will.not.be.allowed.to.save.the.new.Corporate.Group.to.ACHieve.Access.

4..Please.note.that.the.remaining.tabs.on.this.page.(Users,.Transactions,.and.Dual.Verification).can.be.done.in.any.order..In.this.manual.we.will.proceed.through.the.tabs.in.the.order.they.appear.

Also note.that.the.Reset.button.will.reset.information.in.the.accordion.tab.that.is.open.at.the.time.the.button.is.pressed..Information.in.other.tabs.will.not.be.reset.by.this.action..For.example,.in.the.screen.above.the.Group Information.is.displayed..If.the.Reset.button.was.selected.on.that.page,.it.would.undo.any.data.added.to.this.tab.but.would.not.make.any.changes.to.the.Users,.Transactions.or.Dual Verification.tabs.

5..The.Corporate.Users.must.be.assigned.to.at.least.one.Corporate.Group..To.assign.a.new.user.to.this.Corporate.Group,.click.on.the.Users.label.on.the.bottom.of.the.Corporate.Administration.–.Corporate.Group.selection.page.

6.The.Assign.Groups.section.of.the.page.will.display..Select.the.Add.button.to.assign.a.user.to.this.new.group.


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7..After.selecting.the.Add.button,.the.Select.Users.window.will.display..The.Bank.Admin.can.select.the.appropriate.users.by.selecting.the.check.box.next.to.the.User.ID..Multiple.users.can.be.selected.

8..After.selecting.the.appropriate.user.or.users,.click.the.Save.button.to.proceed..The.page.will.now.display.the.selected.users.for.this.group.(below):.Click.Reset.to.uncheck.the.users.or.Cancel.to.close.this.window.

9.The.Corporate.Admin.can.click.the.Add.button.to.go.back.into.the.User.List.display.to.add.additional.users.

Note:.If.Users.were.added.to.this.new.group.in.error,.the.Corporate.Admin.must.cancel.the.Group.Add.and.start.over.again.

10.To.assign.Transactions.to.this.Corporate.Group,.select.the.Transactions.tab..The.Corporate.Administration.–.Corporate.Group.page.will.display.

11..From.this.screen.the.Corporate.Admin.can.select.the.appropriate.Transaction.tab.and.checkbox.and.Add.or.Remove.transactions.from.this.group..

12..For.each.transaction.type,.select.the.tab,.select.the.checkbox.next.to.the.transaction.to.add.and.then.select.the.Add.button..As.appropriate,.repeat.for.each.transaction.type.

13..To.unselect.a.transaction,.select.the.checkbox.next.to.the.transaction.and.then.click.on.the.Remove.button..

Note:.Transactions.must.be.set.up.for.the.corporation.by.the.Bank.Administrator.before.they.can.be.added.to.a.Corporate.Group.

14.To.set.up.Dual.Verification.for.the.EPA.Group,.select.the.Dual Verification.tab,.displayed.below:

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There.are.2.valid.values.for.the.EPA:.Authorization.Type:.field:

•.Level.1.Associate

•.Level.2.Associate

Level.1:.Associate.is.the.default.

Note:.EPA.Dual.Verification.is.set.up.at.the.Customer.Level..The.users.are.defined.at.the.Group.level..User.Dual.Authorization.set-ups.at.the.user.level.are.only.intended.to.override.group.options.and.the.default.setting.at.the.user.level.is.“Group.Default.”

Maximum Dollar Amount.–.Qualifying.entry.for.less.than.or.equal.to.the.amount.in.this.field.will.require.NO.VERIFICATION.for.a.user.of.the.listed.Authorization.Type..This.applies.to.EPA.Add.only.

Note:.There.are.no.entry.threshold.limits.for.the.approval.of.EPA.Adds..Level.1.and.Level.2.users.can.enter.any.dollar.amount.when.performing.an.EPA.Add..The.Maximum.Dollar.Amount.threshold.lists.the.specific.amount.a.user.can.enter.without.any.required.verification,.but.a.Level.2.user.can.approve.an.authorization.of.any.dollar.amount.

Example:







If.User 3 adds.an.authorization.for.$10,000.00,.it.is.over.his.threshold.and.User.2.would.need.to.approve..Even.though.User.2.can.only.add.new.items.up.to.$1,000.without.requiring.approval,.he.can.approve.items.added.by.another.user.regardless.of.the.dollar.amount.

15..Once.the.Corporate.Admin.is.satisfied.with.the.users.assigned.to.this.new.group,.he.can.click.the.Save.button.to.add.this.EPA.Group.to.ACHieve.Access.or.the.Cancel.button.to.cancel.the.creation.of.a.new.group.and.return.to.the.previous.screen..If.Save.is.selected,.the.user.should.see.a.Group.Added.Successfully.message.display.on.the.screen.The.Reset.button.will.undo.any.actions.done.on.this.tab.but.will.undo.any.information.on.the.other.tabs.on.this.page,

16..If.the.Corporate.Admin.does.not.get.the.successful.acknowledgement.for.adding.the.new.group,.then.there.must.be.issues.with.the.group.Information..Click.on.the.Group.Information.link.to.reopen.the.Group.Information.display.

17..If.there.are.fields.or.a.field.that.was.not.entered.correctly,.messages.next.to.the.field.will.display.the.error.(see.portion.of.the.page.with.errors.displayed.below).


18

18.Correct.the.errors.and.then.click.the.Save.button.to.save.the.new.Corporate.Group.

MODIFY A CORPORATE GROUP

To.modify.a.Corporate.Group,.select.radio.button.next.to.the.Group.you.wish.to.modify.and.then.select.the.Modify.button.from.the.Corporate.Administration.–.Corporate.Group.page..The.Modify.screen.that.displays.and.the.process.of.editing.field.definitions.and.Corporate.Users.is.identical.to.the.information.contained.in.the.“Add.a.Corporate.Group”.section.above.with.some.minor.differences:

•..The.Group Name.field.cannot.be.modified..The.only.way.a.Group Name.can.be.changed.is.to.delete.and.re-add.the.group.to.the.system.with.a.different.Group.Name.

DELETE A CORPORATE GROUP

To.Delete.a.Corporate.Group,.select.the.radio.button.next.to.the.group.you.wish.to.delete.and.then.select.the.Delete.button.from.the.Corporate.Administration.–.Corporate.Group.page..A.confirmation.popup.will.display

Click.the.OK.button.to.confirm.the.deletion.or.the.Cancel.button.if.the.deletion.was.done.in.error..A.confirmation.message.will.display.on.the.page.after.a.successful.deletion..See.the.section.of.the.screen.shown.below:

Please.note.that.if.there.are.existing.users.assigned.to.the.group,.the.application.will.not.permit.the.group.to.be.deleted.

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Add, Change or Delete Corporate UsersThe.corporate.user.who.has.admin.rights.can.utilize.the.Corporate.Administration.–.Corporate.User.page.for.the.following.actions:

•.Add.a.new.Corporate.User•.Delete.a.Corporate.User•.Modify.an.existing.Corporate.User•.Change.the.status.of.a.Corporate.User

Note:.For.information.on.navigating.in.the.display.grid.found.on.the.Corporate.Administration.–.Corporate.User.page,.refer.to.the.“Flexigrid.Grid.Layout.and.Usage”.section.found.earlier.in.this.manual.

Corporate Administration – Corporate User Page

ADD A CORPORATE USER

Typically,.a.corporate.administrator.would.only.set.up.corporate.users.after.creating.the.appropriate.Corporate.Groups.to.assign.to.the.users..There.are.two.high.level.types.of.users;.those.who.are.in.an.admin.group.and.can.set.up.and.modify.existing.Corporate.groups.and.users.and.assign.the.various.transactions.to.users.as.well.as.generate.Audit.Reports.and.who.can.administer.the.various.ACHieve.Access.activities.(Control.Totals,.EPA,.Warehouse.and.Schedules).and.those.users.in.a.non.admin.group.who.can.only.view,.create.and.modify.the.various.ACHieve.Access.activities.

Corporate.users.can.be.further.defined.by.his.or.Dual.Verification.levels.for.EPA.transactions.

Here.are.the.steps.to.add.a.new.Corporate.User.to.ACHieve.Access:

1.To.add.a.Corporate.User,.from.the.Corporate.Administration.–.Corporate.User.selection.page.select.the.Add.button.

2.The Corporate Administration.–.Corporate.User.(User.Information.tab).page.will.display.

3.Enter.the.appropriate.information.in.the.various.fields.on.this.page..For.more.information.on.the.fields.available.see.below:


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The.following.fields.are.available.for.data.entry.when.creating.a.new.user:

First Name

This.field.contains.the.first.name.of.the.user..It.is.an.optional.field.

Middle Initial

This.field.contains.the.middle.initial.of.the.user..It.is.an.optional.field.

Last Name

This.field.contains.the.last.name.of.the.user..It.is.a.required.field.

User ID

This.field.contains.the.User.ID.of.the.user..It.is.a.required.field..Typically.the.User.ID.is.an.easy.to.remember.name.that.identifies.the.user.but.this.depends.on.the.needs.and.requirements.of.the.specific.institution.

Email Address

This.field.contains.the.email.address.of.the.user..It.is.a.required.field..The.email.address.must.be.in.the.correct.format.utilizing.the.“@”.sign.and.contain.a.three.digit.extension.following.a.period.such.as.“.com”.or.“.org”.

Address

This.field.contains.the.address.of.the.user..It.is.an.optional.field.

City

This.field.contains.the.City.of.the.user..It.is.an.optional.field.

State

This.field.contains.the.State.of.the.user..It.is.an.optional.field.

Zip Code

This.field.contains.the.Zip.Code.of.the.user..It.is.an.optional.field.

Note:.The.Last Name,.User ID,.and.Email Address.are.required.fields..If.these.fields.are.not.entered.or.not.entered.with.valid.information,.the.Corporate.Administrator.will.not.be.allowed.to.save.the.new.Corporate.User.to.ACHieve.Access.

4..The.Corporate.User.must.be.assigned.to.at.least.one.Corporate.Group..To.assign.the.new.user.to.a.Corporate.Group,.click.on.the.Assign.Groups.label.on.the.bottom.of.the.page.

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5.The.Assign.Groups.section.of.the.page.will.display..Select.the.Add.button.to.assign.a.group.to.this.new.user.

6..After.selecting.the.Add.button,.the.Select.Groups.window.will.display..The.Corporate.Admin.can.select.the.appropriate.group.by.selecting.the.check.box.next.to.the.Group.Name..Multiple.groups.can.be.selected.but.at.least.one.must.be.assigned.to.a.new.user..For.all.groups.chose.the.Select.All.

7..After.selecting.the.appropriate.group.or.groups,.click.the.Save.button.to.proceed..The.page.will.now.display.the.selected.group.or.groups.for.this.user:

8.If.the.wrong.group.is.selected,.click.the.Group.Information.Remove.button.to.remove.the.group.

In.the.example.page.below,.the.user.has.been.added.to.an.Administrator.group.

Please.note.that.you.can.assign.a.user.to.multiple.groups.but.that.the.user.must be assigned to at least one group.

9..Once.all.the.information.is.entered,.the.screen.below.will.display.showing.the.Group.or.Groups.that.have.been.added..The.user.can.remove.any.groups.added.in.error.by.selecting.the.check.box.next.to.the.Group.and.clicking.the.Remove.button.or.can.go.click.the.Add.button.to.go.back.into.the.Group.display.to.add.additional.groups.

10..The.Corporate.Admin.can.then.choose.to.assign.notifications.to.this.corporate.user..To.assign.notifications.to.this.user,.click.on.the.Notifications.label.on.the.bottom.of.the.page.

11..The.Notifications.section.of.the.page.will.display.all.available.records..Click.either.Select.All.or.select.as.many.as.needed..When.complete.use.the.Add.button.to.add.notification(s).to.this.new.user.


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12..After.selecting.the.Add.button,.the.Select.Notifications.window.will.display..The.Corporate.Admin.can.select.the.appropriate.Notifications.by.selecting.the.check.box.next.to.the.Notification..Multiple.notifications.can.be.selected;.depending.on.the.corporate’s.procedures.

13..After.selecting.the.appropriate.notification(s),.click.the.Save.button.to.proceed..The.page.will.now.display.the.selected.notifications.for.this.user:

14.If.the.wrong.notification.is.selected,.click.the.Notification.Remove.button.to.remove.the.notification.

15..The.Corporate.Admin.can.then.choose.to.set.up.Dual.Verification.for.this.user..This.tab.will.be.available.only.if.the.Bank.Admin.turned.on.Dual.Verification.at.the.time.this.Organization.was.created..To.set.Dual.Verification.to.this.user,.click.on.the.Dual Verification.label.on.the.bottom.of.the.page.

16..The.Dual Verification.section.of.the.page.will.display.

There.are.3.valid.values.for.the.EPA Authorization Type.field:

•.Default.to.Group.(Default.setting)•.Level.1.Associate•.Level.2.Associate

Note:.EPA.Dual.Verification.is.set.up.at.the.Corporate.Customer.Level.(NONE.or.REQUIRED)..If.REQUIRED,.the.users.are.defined.at.the.Corporate.Group.level..Corporate.User.Dual.Authorization.set-ups.at.the.user.level.are.only.intended.to.override.group.options.and.the.default.setting.at.the.user.level.is.“Group.Default.”

Maximum Dollar Amount.–.Qualifying.entry.for.less.than.or.equal.to.the.amount.in.this.field.will.require.NO.VERIFICATION.for.a.user.of.the.listed.Authorization.Type..This.applies.to.EPA.Add.only.


Example:





If.User 1 adds.an.authorization.for.$2,000.00,.it.is.over.his.threshold.and.needs.to.be.approved.by.one.of.the.LEVEL.2.users.(User.2.or.User.3).

If.User 2 adds.an.authorization.for.$500.00,.it.is.under.his.threshold.and.doesn’t.need.approval.

If.User 3.adds.an.authorization.for.$10,000.00,.it.is.over.his.threshold.and.User.2.would.need.to.approve..Even.though.User.2.can.only.add.new.items.up.

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to.$1,000.without.requiring.approval,.he.can.approve.items.added.by.another.user.regardless.of.the.dollar.amount.

17..Once.the.Corporate.Admin.is.satisfied.with.information.on.all.the.tabs.for.the.customer,.he.can.click.the.Save.button.to.add.this.Corporate.User.to.ACHieve.Access.or.the.Cancel.button.to.cancel.the.creation.of.a.new.user.and.return.to.the.previous.screen..If.Save.is.selected,.the.user.should.see.a.User.Added.Successfully.message.display.on.the.screen

18..If.the.Corporate.Admin.does.not.get.the.successful.acknowledgement.for.adding.the.new.user,.then.there.must.be.issues.with.the.User Information..Click.on.the.User.Information.link.to.reopen.the.User.Information.display.

19..If.there.are.fields.or.a.field.that.was.not.entered.correctly,.messages.next.to.the.field.will.display.the.error.(see.portion.of.the.page.with.errors.displayed.below).

20.Correct.the.errors.and.then.click.the.Save.button.to.save.the.new.Corporate.User.

MODIFY A CORPORATE USER

To.modify.a.Corporate.User,.select.radio.button.next.to.the.user.you.wish.to.modify.and.then.select.the.Modify.button.from.the.Corporate.Administration.–.Corporate.User.page..The.Modify.screen.that.displays.and.the.process.of.editing.field.definitions.and.Corporate.Groups.is.identical.to.the.information.contained.in.the.“Add.a.Corporate.User”.section.above.with.some.minor.differences:

•.The.User.ID.field.cannot.be.modified..The.only.way.a.User.ID.can.be.changed.is.to.delete.and.re-add.the.user.to.the.system.with.a.different.User.ID.

DELETE A CORPORATE USER

To.Delete.a.Corporate.User,.select.radio.button.next.to.the.user.you.wish.to.delete.and.then.select.the.Delete.button.from.the.Corporate Administration – Corporate User.page..A.confirmation.popup.will.display:

Click.the.OK.button.to.confirm.the.deletion.or.the.Cancel.button.if.the.deletion.was.done.in.error..A.confirmation.message.will.display.on.the.page.after.a.successful.deletion..See.the.section.of.the.screen.shown.below:

CHANGE THE STATUS OF A CORPORATE USER

At.times.it.will.be.necessary.for.Corporate.Administrators.to.change.the.status.of.a.Corporate.User..For.example,.a.user.may.not.log.into.ACHieve.Access.for.a.long.period.of.time.and.his.or.her.account.may.become.inactive.

The.Corporate.Administrator.can.change.a.Corporate.User’s.status.by.going.to.the.Corporate.Administration.-.Corporate.User.page.for.the.appropriate.Corporation.and.selecting.the.Status.hyperlink..In.the.example.below,.the.user.would.select.the.Disabled.link.with.the.mouse.to.change.the.status..(This.process.will.be.the.same.to.change.an.“Active”.user.to.“Inactive”).

The.following.popup.will.display:


24

From.this.popup,.the.Corporate.Admin.can.select.the.Enable User.checkbox.and.click.the.Save Button.to.change.the.Corporate.User’s.status.back.to.“Active”.

A.message.will.display.and.the.user.Status.will.change.to.“Active”.

RESET AN INVALID PASSWORD

There.will.be.times.where.a.user.will.enter.the.wrong.password.multiple.times.and.will.need.to.be.reset.

To.reset.an.invalid.password,.please.use.the.Trouble.Logging.In.link:

1.Use.the.I.forgot.my.Password.radio.dial,.select.Next

2.Enter.your.Company.ID.and.User.ID,.select.Next

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3.You.will.need.to.answer.a.challenge.question,.select.Next

4.After.properly.answering.the.challenge.question.the.user.will.receive.a.confirmation.that.a.temporary.password.is.being.emailed.to.the.user.

5.The.Corporate.User.can.now.log.in.by.entering.this.temporary.password.and.then.entering.a.new.password.once.logged.into.ACHieve.Access.

Corporate Profile ApprovalsCorporate.Administrators.for.all.Corporate.Customers.who.utilize.Corporate.Admin.Dual.Authorization.will.be.able.to.use.the.Profile.Approval.page.to.View,.Approve,.Reject.or.Delete.actions.pending.approval.by.selecting.the.Pending Approvals.link.on.the.Corporate.Administration.accordion.menu.

This.page.will.display.Corporate.User.and.Corporate.Group.records.that.are.pending,.approved.or.rejected.

CORPORATE PROFILE RULES

•..Corporate.Admins.will.be.able.to.delete.actions.Pending.Approval.that.he.or.she.originally.initiated..So.if.a.Corporate.Admin.were.to.delete.a.Corporate.User.by.mistake.he.can.undo.this.mistake.by.deleting.the.action.from.the.Profile.Approval.queue,.assuming.it.has.not.yet.been.acted.upon.by.another.Admin.

•..Corporate.Admins.cannot.Approve.or.Reject.their.own.actions.awaiting.approval..Approve.and.Reject.actions.can.only.be.performed.by.a.Corporate.Admin.who.did.not.initiate.the.profile.change.

•.Corporate.Admins.can.view.all.Pending,.Rejected.and.Approved.Profile.Actions.that.remain.on.the.database.

•..Corporate.Groups.or.Corporate.Users.that.are.in.a.Pending.state.will.not.be.accessible.for.use.in.ACHieve.Access

APPROVE/REJECT ACTIONS PENDING APPROVALS

1.To.approve.or.reject.an.action.Pending.Approval,.select.the.radio.button.next.to.the.action.pending.approval.


26

2.Select.the.radio.button.by.the.appropriate.action.and.click.the.Approve/Reject.button.

3.The.Pending.Approval.action.will.display:

4.Select.the.appropriate.button.to.perform.an.Approval/Rejection.or.Cancel.to.leave.the.approval.as.Pending.

5.If.an.action.is.made,.a.message.will.display:

DELETE PROFILE APPROVALS

1.To.delete.an.action.Pending.Approval,.select.the.radio.button.next.to.the.pending.item.

2.Click.on.the.Delete.button..A.message.will.display:

3..To.proceed.with.the.deletion,.click.OK..A.confirmation.message.will.display.on.the.top.of.the.page.indicating.that.the.deletion.was.successful..To.cancel.the.deletion,.select.the.Cancel.button.

Corporate Admin Dual VerificationDUAL VERIFICATION EVENTS

•.Profile.Change.Notification.-.Dual.Verification•.Profile.Change.Notification.-.Dual.Verification•.Profile.Change.Approver.Action.Notification.-.Dual.Verification

NOTIFICATION FORMATS

An.e-mail.notification.for.each.notification.type.will.be.sent.to.each.System.Administrator.any.time.one.of.the.above.events.occur.requesting.action.

Chapter 4: Corporate Transactions

Control TotalsCONTROL TOTAL ADD (CORPORATE USER)

The.“Control.Total.Add”.option.is.selected.when.it.is.necessary.for.an.originator.to.enter.Control.Totals.for.a.file.he.or.she.is.submitting.to.the.bank.for.processing..The.Control.Total.profile.records.identify.which.Points.and/or.Collection.Applications.for.which.the.user.can.add.(and.maintain).Control.Totals..Each.Point.or.Collection.Application.is.assigned.an.“Application.Name”..The.application.name.is.communicated.to.the.user.so.they.know.which.one.to.select.based.on.the.file.(or.batches).they.are.submitting.for.processing.

When.adding.Control.Totals,.the.user.must.enter.the.Application.Name.and.the.Debit.and.Credit.Amounts..Three.optional.values.that.can.be.entered.and.used.during.the.Control.Total.matching.process.include.Entry/Addenda.Count.(or.just.entry.count),.File.ID.Modifier,.and.Hash.Total..The.Control.Total.profile.records.will.identify.what.values.are.required.for.each.application.name..The.user.will.not.be.allowed.to.enter.Control.Total.information.that.is.not.required.(Hash.Total,.for.example).

Note:.For.information.on.navigating.in.the.display.grid.found.on.the.Corporate.Setup.page,.refer.to.the.“Flexigrid.Grid.Layout.and.Usage”.section.found.earlier.in.this.manual.

1.On.the.main.accordion.menu,.go.to.Control.Totals.and.select.the.Control Totals.link..The.Control.Totals.page.will.display:

27

2.Select.the.Add.button.to.add.a.new.Control.Total..The.Add.Control.Total.page.will.display:

3..From.this.page,.the.user.can.browse.and.select.any.Control.Total.previously.added.to.ACHieve.Access.for.the.Corporate.Customer..From.the.Drop.down.list.box.select.the.appropriate.Application.Name.

4..The.Add.Control.Total.page.will.display..Three.fields.(Application.Name,.Credit.Amount,.Debit.Amount).are.required.and.will.always.display.

5.Enter.the.information.for.this.Control.Total..All.fields.that.display.are.required..The.fields.are.defined.below:

Application Name..This.field.shows.Control.Total.entries.only.for.a.specific.application..This.name.contains.the.Point.and.CA./.CA.Type..The.user.can.choose.which.Application.Name.by.selecting.the.appropriate.from.the.drop.down.list.

Credit Amount..Credit.amount.of.the.file.(or.batches)..Enter.the.dollar.amount.here..This.field.is.required,.but.for.zero.dollar.credits.the.default.of.0.00.can.be.used.

Debit Amount..Debit.amount.of.file.(or.batch)..Enter.the.dollar.amount.here..This.field.is.required,.but.for.zero.dollar.debits.the.default.of.0.00.can.be.used.

Entry or Entry/Addenda Count..The.Entry.count.of.file.(or.entry.and.addenda.count)..If.this.field.displays.it.is.required.

File ID Modifier..The.file.id.modifier.from.file.header..If.this.field.displays.it.is.required.

Hash Total..The.hash.total.of.the.file.(or.batch)..If.this.field.displays.it.is.required.

6..Once.the.appropriate.information.is.entered,.select.the.Save.button.with.the.mouse..An.“Added.Successfully”.message.will.display.and.the.Control.Total.will.be.added.to.the.Control.Totals.page.


28

MODIFY CONTROL TOTALS (CORPORATE USER)

On.the.main.accordion.menu,.go.to.Control.Totals.and.select.the.Control Totals.link..The.Control.Totals.page.will.display

Once.the.user.has.located.the.Control.Total.entry.they.are.searching.for,.he.or.she.can.click.the.Modify.button.next.to.the.Control.Total.on.the.browse.screen..Only.one.Control.Total.entry.can.be.modified.at.a.time..When.the.user.selects.the.Modify.button,.the.Control.Total.Modify.screen.is.displayed.

The.fields.on.the.Control.Total.that.can.be.changed.are.displayed..These.fields.include.Credit.Amount.and.Debit.Amount..The.Application.Name.cannot.be.modified.

Once.the.appropriate.changes.have.been.made.on.this.screen,.the.user.can.click.on.the.Save.button.

If.the.user.wishes.to.“back.out”.the.changes.they.have.made.and.return.to.the.Control.Totals.page,.click.the.Cancel.button..The.Reset.button.will.undo.any.changes.made.during.the.modification.

Note:.Once.the.Save.button.is.clicked,.the.Control.Total.entry.is.changed..The.entry.would.have.to.be.changed.again.to.return.it.to.its.previous.values.

DELETE CONTROL TOTALS (CORPORATE USER)

To.delete.a.Control.Total.and.no.longer.use.it.to.match.to.an.item.on.the.Bank.ACH.system.for.this.Corporate.User,.select.the.radio.button.next.to.the.item.to.be.deleted.and.select.the.Delete.button..The.user.will.be.prompted.to.accept.or.cancel.the.deletion..Click.OK.to.delete.or.Cancel.to.keep.the.transaction.on.ACHieve.Access.

Important:.The.record.status.of.the.Control.Total.must.be.UNMATCHED.to.allow.a.deletion.

EPA (Electronic Payment Authorization) Add / Delete / ModifyThe.Electronic.Payment.Authorization.module.(EPA).was.designed.to.provide.receivers.of.electronic.ACH.entries.a.means.to.specifically.authorize.what.transactions.can.post.to.their.account..

The.following.components.were.developed.as.part.of.the.ACHieve.Access.EPA.functionality:

•.The.ability.for.the.receiver.(or.account.holder).to.add.their.own.Electronic.Authorization.records.via.the.Internet.•.The.ability.for.the.receiver.(or.account.holder).to.query.their.authorization.records.using.a.number.of.search.criteria.•..Numerous.notification.options.including.notification.of.any.entries.collected.that.were.rejected.for.no.authorization.on.file,.and.a.variety.of.other.

notifications.(please.refer.to.the.Notification.Process.section.of.this.document.for.a.complete.list.of.EPA.notification.options).•.The.ability.to.perform.online.decisioning.of.detail.rejects.

Note:.The.return.of.an.unauthorized.ACH.Debit.originated.cannot.be.blocked.from.posting.against.your.account.per.NACHA.Rules.

DUAL VERIFICATION

In.ACHieve.Access,.Dual.authorization/verification.processing.is.an.option.for.EPA..Dual.Verification.is.defined.as.a.process.by.which.both.parties.are.in.full.agreement.with.the.disposition.of.an.item.before.it.can.be.approved.and.released.from.the.dual.verification.queue.

Dual.verification.parameters.are.defined.at.the.organization,.corporate.group,.and.individual.user.levels..At.the.corporate.organizational.level,.an.option.is.selected.by.the.bank.to.turn.dual.verification.on.or.off.for.the.corporate.client..Once.turned.on,.the.client.is.allowed.to.modify.existing.corporate.users’.dual.verification.options.to.assign.a.user.dual.verification.level,.maximum.dollar.level.and.notification.option.for.EPA.dual.verification.activities.

•.Optional.transaction.amount.limits.can.be.applied.to.individual.users.that.will.allow.them.to.bypass.dual.approval.processes.•.Both.parties.must.be.in.complete.agreement.to.approve.a.transaction•.A.user.will.not.be.able.to.approve.their.own.transactions

Dual Verification LevelsNote:.EPA.Dual.Verification.is.set.up.at.the.Corporate.level.(NONE.or.REQUIRED)..If.REQUIRED,.the.users.are.defined.at.the.Corporate.Group.level..Corporate.User.Dual.Authorization.set-ups.at.the.user.level.are.only.intended.to.override.group.options.and.the.default.setting.at.the.user.level.is.“Group.Default.”

Here.is.an.example.of.how.the.Group.and.User.levels.work:

SAMPLE 1.–.User.1.is.Level.1.at.the.User.level..He.is.in.a.Corporate.group.that.is.Level.2..(User.level.settings.override.group.level.settings.so.this.User.would.be.Level 1)

SAMPLE 2.–.User.2.is.Level.2.at.the.User.Level..She.is.in.a.Corporate.Group.that.is.Level.1.(User.level.settings.override.group.level.settings.so.this.User.would.be.Level 2)

SAMPLE 3.–.User.3.is.“Default.to.Group”.at.the.user.level..He.belongs.to.multiple.Corporate.Level.Groups..One.group.is.Level.1..Another.is.Level.2.with.a.dollar.amount.of.$500..Another.is.a.Level.2.with.a.Dollar.amount.of.$1000..(User.3.would.default.to.the.most.powerful.option:.Level 2 with a Dollar amount of $1000)

Maximum Dollar AmountMaximum.Dollar.Amount.–.Qualifying.entry.for.less.than.or.equal.to.the.amount.in.this.field.will.require.NO.VERIFICATION.for.a.user.of.the.listed.Authorization.Type..This.applies.to.EPA.Add.only.

29


Example:







If.User 3.adds.an.authorization.for.$10,000.00,.it.is.over.his.threshold.and.User.2.would.need.to.approve..Even.though.User.2.can.only.add.new.items.up.to.$1,000.without.requiring.approval,.he.can.approve.items.added.by.another.user.regardless.of.the.dollar.amount.

EPA ADD

The.Electronic.Payment.Authorization.Add.option.is.selected.from.the.Main.menu.when.the.receiver.wishes.to.add.an.electronic.authorization.record.to.authorize.future.transactions.to.their.account..Got.to.EPA.and.then.select.EPA.from.the.sub.menu..The.following.steps.describe.the.process.of.adding.an.EPA.

Please Note:.The.Bank.adds.transactions.for.use.with.EPA.so.that.the.Corporate.Admin.can.assign.these.EPA.transactions.to.a.Corporate.Group.for.use.by.the.Corporate.User..Once.set.up,.the.Corporate.User.can.then.add.an.electronic.authorization.record.to.authorize.future.transactions.to.their.account.

1..Select.the.EPA/EPA.option.from.ACHieve.Access.Corporate.User.Main.Menu.on.the.left.side.of.the.Home.Page..The.EPA.Information.page.will.display:

Note:.For.information.on.navigating.in.the.display.grid.found.on.the.EPA.Information.page,.refer.to.the.“Flexigrid.Grid.Layout.and.Usage”.section.found.earlier.in.this.manual.

The.following.column.headers.are.used.for.the.EPAs.listed.on.this.page:

•.Account Number.–.account.number.selected.for.the.add•.Authorization Start Date.–.begin.date.entered.by.the.user•.Authorization End Date.–.end.date.entered.by.the.user.•.Maximum Amount.–amount.entered.(will.be.0.00.of.Specific.Amount.used)•.Specific Amount.–amount.entered.(will.be.0.00.of.Maximum.Amount.used)•.Transaction Type.–.mapped.from.the.account.type.on.the.profile.record.for.this.account.and.the.debit/credit.option.selected•.Company Name.–.value.entered.by.the.user.(if.required)•.Company ID.–.value.entered.by.the.user.(if.required)•.Reference Number.–.value.entered.by.the.user.(if.required)•.No of Transactions.–.number.entered.(left.blank.for.unlimited.number)•.Operator ID.–.This.field.is.not.used.at.this.time.•.Status.–.Active.or.Expired

1..The.EPA.Information.records.identify.what.accounts.to.which.each.user.is.authorized.to.add.authorization.records..Select.the.Add.button.to.add.an.EPA.


30

2.Select.the.Account.Number.from.the.drop.down.list.box.

3..Once.the.Account.Number.range.has.been.selected,.the.other.required.fields.will.display.on.the.page..Select.the.Authorization Start Date.and.Authorization End Date..The.Start.Date.will.default.to.today’s.date.and.must.be.equal.or.greater.than.Today’s.date.

The.fields.on.this.screen.are.defined.below:

Account Number..The.Account.Number.of.the.EPA.item..(Required)

Authorization Start Date..The.date.the.authorization.will.become.active,.pre-filled.with.the.current.date.–.unable.to.add.with.a.‘stale’.date..(Required)

Authorization End Date..The.date.the.authorization.record.will.expire.or.is.considered.inactive..(Required)

Amount..Must.choose.Maximum.or.Specific.Amount.and.enter.dollar.amount..Required.

•..Maximum.Amount.–.the.maximum.amount.of.the.transaction(s).that.can.be.authorized.using.this.authorization.record.

or

•.Specific.Amount.–.the.specific.amount.of.the.transaction(s).that.can.be.authorized.using.this.authorization.record.

Transaction Type..Must.be.Debit.or.Credit..(Required).(Defaults.to.Debit)

Number of Transactions to be Accepted..The.date.the.authorization.record.will.expire.or.is.considered.inactive..(Required).(Default.is.Unlimited)

•..Single.Use.-.To.authorize.only.a.single.transaction,.this.value.should.be.set.to.001.

•..Specific.Number.of.Transactions.–.Enter.the.specific.number.of.Transactions.that.should.be.authorized..For.example,.if.the.user.wants.to.authorize.ten.transactions,.this.value.should.be.set.to.010.

•..Unlimited.–.To.indicate.that.an.unlimited.number.of.transactions.should.be.authorized,.this.value.should.be.left.blank.

Company ID..The.Company.ID.of.the.entity.originating.the.payment.

Note:.This.field.is.optional..The.user.can.only.enter.data.in.this.field.if.the.ACH.process.application.associated.with.the.account.indicates.Company.ID.is.used.when.matching.incoming.ACH.payments.to.their.associated.authorization.records..If.the.Company.ID.is.not.used.it.will.not.display.on.the.page.

Company Name..The.company.name.of.the.entity.originating.the.payment.(Optional)

Reference Number..Reference.number.to.be.contained.within.the.Individual.ID.field.of.the.incoming.transaction’s.detail.record.

Note:.This.field.is.optional..The.user.can.only.enter.data.in.this.field.if.the.ACH.process.application.associated.with.the.account.indicates.reference.number.is.used.when.matching.incoming.ACH.payments.to.their.associated.authorization.records.

4.Select.the.appropriate.Transaction Type.

31

5.Enter.the.number.of.transactions.that.should.be.accepted.for.this.EPA..The.default.is.blank.(unlimited.use).

6.Optionally,.enter.the.Company.Name.

7..Click.the.Save.button.to.save.the.new.EPA.item.or.Cancel.to.cancel.and.return.to.the.EPA.Information.page..The.Reset.button.will.undo.any.information.added.but.leave.the.user.on.the.page.to.reenter.information.

8.If.the.EPA.is.correctly.entered.and.the.Save.button.selected,.a.confirmation.message.will.display.and.the.EPA.will.be.added.for.the.bank.

EPA MODIFY

The.steps.for.modifying.an.EPA.transaction.are.the.same.as.those.to.Add.a.new.EPA.with.the.following.exceptions:

•.The.Account Number.field.is.locked.and.cannot.be.edited.•.The.Transaction.Type.field.is.locked.and.cannot.be.edited.•.The.Company.ID.(if.present).cannot.be.edited.

Once.the.user.has.made.appropriate.changes,.select.the.Save.button.to.save.the.modification.or.Cancel.to.undo.and.return.to.the.previous.screen.

EPA DELETE

Select.the.radio.button.next.to.the.item.to.be.deleted.and.select.the.Delete.button..The.user.will.be.prompted.to.accept.or.cancel.the.deletion..Click.OK.to.delete.or.Cancel.to.keep.the.EPA.transaction.on.ACHieve.Access.

EPA VerificationFrom.the.EPA.Verification.page,.the.user.can.select.the.appropriate.EAs.to.Approve,.Deny.or.Delete..This.screen.can.be.accessed.from.the.ACHieve.Access.Corporate.Home.Page.by.selecting.the.EPA/EPA.Verification.link.on.the.Main.Menu..There.are.several.rules.that.should.be.emphasized:

•..The.user.will.not.be.able.to.approve.or.deny.their.transactions..The.Approve Selected.and.Deny Selected.buttons.will.not.be.available.to.the.user.when.the.transaction.selected.is.one.that.he.or.she.completed.and.is.awaiting.a.second.confirmation.

•..A.user.will.only.be.able.to.delete.their.transactions..The.Delete Selected button.was.designed.to.allow.users.to.delete.Authorizations.that.were.inadvertently.added.and.need.to.be.removed.from.the.queue..The.Delete Selected button.will.not.be.available.to.the.Level.2.user.verifying.a.transaction.completed.by.a.Level.1.user.

After.the.user.selects.the.authorization.and.clicks.the.appropriate.button,.a.confirmation.window.will.display..See.the.examples.below.for.the.process.of.approving,.denying.or.deleting.an.item.

APPROVE CONFIRMATION

After.choosing.the.Approve.button,.a.confirmation.window.will.display..The.user.can.select.OK.to.approve.or.Cancel.to.cancel.the.approval.

When.the.user.chooses.to.confirm.the.approval,.an.“EPA.Approved.Successfully”.message.confirmation.will.indicate.that.the.record.was.approved.

DENY CONFIRMATION

After.choosing.the.Deny Selected.button,.a.confirmation.window.will.display..The.user.can.select.OK.to.accept.the.deny.action.or.Cancel.to.cancel.the.deny.action.

When.the.user.chooses.to.confirm.the.denial,.it.is.required.that.deny.comments.be.entered.into.the.free.text.Comments.box..Then.the.user.can.proceed.by.selecting.the.Deny.Selected.button.or.select.one.of.the.available.links.


32

DELETE CONFIRMATION

After.choosing.the.Delete.button,.a.confirmation.window.will.display..The.user.can.select.OK.to.approve.or.Cancel.to.cancel.the.deletion.

When.the.user.chooses.to.confirm.the.deletion,.an.“EPA.deleted.Successfully”.message.confirmation.will.indicate.that.the.record.was.deleted.

EPA Reject DecisioningACHieve.Access.receivers.of.ACH.entries.that.have.rejected.for.“No.Authorization.On.File”.or.“Non-qualified.Authorization”.can.be.set.up.in.ACHieve.Access.to.be.notified.via.e-mail.

Each.detail.transaction.that.has.rejected.for.an.account.during.the.collection.window.will.create.a.single.notification..The.following.information.about.each.detail.reject.is.provided.in.the.“Reject.Notification”:

•.Company.ID•.Company.Name•.Entry.Description•.Effective.Date•.Account.Number•.Transit.Routing.Number•.Transaction.code.(Debit.or.credit)•.Individual.Name•.Individual.ID•.Amount•.PEP+.PAR.Number•.Reject.Reason.–.Either.no.authorization.on.file,.or.authorization.present.but.item.did.not.“qualify”.•.A.message.indicating.when.the.entry.is.recollected.and.returned

Once.the.receiver.has.reviewed.this.reject.information,.they.can.go.in.to.ACHieve.Access.and.perform.“decisioning”.on.the.reject..They.will.have.three.options:

•.Accept.(allows.entry.to.post.to.their.account).•.Refuse.(item.is.returned).•.Pending.(decision.not.known.at.this.time).

Decisioning.can.only.be.performed.until.4.pm.ET..When.the.user.selects.the.“Accept”.option,.they.are.indicating.the.item.should.be.allowed.to.post.to.the.customer’s.account.and.the.bank’s.posting.system..When.this.reject.item.is.recollected,.the.Bank.ACH.system.will.re-route.this.transaction.to.the.appropriate.posting.endpoint.and.will.not.look.for,.or.use,.any.existing.authorization.records..During.the.acceptance.process,.the.user.is.given.the.option.to.view.(and.potentially.change).an.existing.authorization.record.(if.one.was.present).to.determine.why.the.item.rejected,.and.to.make.any.appropriate.modifications.to.allow.future.transactions.to.post..If.the.detail.item.rejected.because.no.authorization.record.was.located,.the.user.is.given.the.option.to.add.an.authorization.record.so.that.future.transactions.will.not.reject..It.is.important.to.note.that.any.changes.or.additions.to.authorization.records.made.during.the.acceptance.“session”.will.only.impact.future.transactions.

If.the.user.determines.the.entry.should.be.returned,.they.will.select.the.REFUSE.option.and.the.item.is.recollected.and.returned.

If.the.user.is.unsure.what.action.should.be.taken.on.the.reject,.they.will.select.the.PENDING.status..This.will.allow.them.to.browse.only.PENDING.rejects.if.desired..At.4.pm.ET,.any.detail.rejects.in.a.PENDING.status.will.again.be.edited.against.the.Electronic.Authorization.file.and.if.an.Electronic.Authorization.is.not.on.file.the.item.will.be.refused.and.returned.

REJECT DECISIONING (CORPORATE USER)

To.perform.EPA.Reject.Decisioning,.the.Corporate.user.will.select.the.EPA/Reject.option.from.the.ACHieve.Access.Main.Menu..The.Detail.Reject.Decision.page.is.displayed:

33

Note:.For.information.on.navigating.in.the.display.grid.found.on.the.Reject.Decision.page,.refer.to.the.“Flexigrid.Grid.Layout.and.Usage”.section.found.earlier.in.this.manual.

1..If.the.receiver.determines.that.the.selected.Detail.Reject.should.be.returned,.he.can.click.on.the.Refuse selected.selection.in.the.list.box..This.will.cause.the.entry.to.be.returned..The.entry.will.remain.on.the.Decisioning.screen.until.4.pm.ET..The.user.may.change.the.decision.to.Accept selected.or.Pending selected at.any.time.prior.to.recollection.

2..If.the.receiver.determines.that.the.detail.entry.should.be.accepted.(posted.to.their.account.in.the.banks’.posting.system),.select.the.Accept selection.in.the.list.box.on.the.Accept.selected.selection.in.the.list.box..The.response.to.this.acceptance.will.depend.on.why.the.detail.item.was.rejected.during.collection.(no.authorization.record.located,.or.an.authorization.was.located.but.the.detail.collected.did.not.match.the.authorization.data.properly).

3..If.the.user.makes.a.mistake,.it.is.also.possible.to.change.a.Detail.Reject.back.to.Pending.by.Selecting.the.Pending selected.button.(prior.to.recollection).

4..If.the.collected.item.matched.to.an.authorization.record.on.file.(based.on.key.data),.a.screen.is.displayed.that.indicates.the.item.is.posted.to.the.account.and.will.provide.the.user.an.opportunity.to.perform.an.inquiry.on.the.existing.authorization.record..

5..If.the.Transaction.accepted.did.not.have.an.Authorization.Record.on.file,.a.message.will.display.and.the.user.will.have.the.option.to.add.a.new.Authorization.Record.that.can.be.used.to.authorize.Future.transactions:

6.Select.the.Add.EPA Record.button.to.add.a.new.Authorization.Record

7.The.EPA.Information.page.will.display.and.the.user.will.follow.the.same.rules.as.he.would.follow.for.an.EPA.Modify.instructions.

Note:.If.no.action.is.made.on.an.item,.the.item.will.be.treated.the.same.as.a.refused.item.

Reject VerificationFrom.the.EPA.Reject.Verification.page,.the.user.can.select.the.appropriate.EAs.to.Approve,.Deny.or.Delete..This.screen.can.be.accessed.from.the.ACHieve.Access.Corporate.Home.Page.by.selecting.the.EPA/EPA.Verification.link.on.the.ACHieve.Access.Corporate.User.Main Menu..There.are.several.rules.that.should.be.emphasized:

•..A.user.will.not.be.able.to.approve.or.deny.his.or.her.transactions..The.Approve.and.Deny.buttons.will.not.be.available.to.the.user.when.the.transaction.selected.is.one.that.he.or.she.completed.and.is.awaiting.a.second.confirmation.

•..A.user.will.only.be.able.to.delete.his.or.her.transactions..The.Delete.button.was.designed.to.allow.users.to.delete.Reject.Authorizations.that.were.inadvertently.added.and.need.to.be.removed.from.the.queue..The.Delete.button.will.not.be.available.to.any.user.who.has.selected.another.user’s.record.

After.the.user.selects.the.authorization.and.clicks.the.appropriate.button,.a.confirmation.window.will.display..See.the.examples.below.for.the.process.of.approving,.denying.or.deleting.an.item.


34

APPROVE REJECT VERIFICATION

After.choosing.the.Approve.button,.a.confirmation.window.will.display..The.user.can.select.OK.to.approve.or.Cancel.to.cancel.the.approval.

When.the.user.chooses.to.confirm.the.approval,.an.“EPA.Approved.Successfully”.message.confirmation.will.indicate.that.the.record.was.approved.

DENY CONFIRMATION

After.choosing.the.Deny.button,.a.confirmation.window.will.display..The.user.can.select.OK.to.accept.the.deny.action.or.Cancel.to.cancel.the.deny.action.

When.the.user.chooses.to.confirm.the.denial,.it.is.required.that.deny.comments.be.entered.into.the.free.text.Comments.box..Then.the.user.can.proceed.by.selecting.the.Deny Selected.button.or.select.one.of.the.available.links.

DELETE CONFIRMATION

After.choosing.the.Delete.button,.a.confirmation.window.will.display..The.user.can.select.OK.to.approve.or.Cancel.to.cancel.the.deletion.

When.the.user.chooses.to.confirm.the.deletion,.an.“EPA.deleted.Successfully”.message.confirmation.will.indicate.that.the.record.was.deleted.

WarehouseThe.ACHieve.Access.module.enables.both.originators.and.receivers.of.ACH.entries.to.access.their.data.on.the.ACH.database.via.an.Internet.interface..

Originators.of.ACH.files.can.access.any.data.they.originated.that.resides.on.the.warehouse..Each.file.or.batch.processed.by.the.originator.is.assigned.an.application.name.(such.as.PAYROLL).which.is.communicated.to.the.originator..Once.the.Bank.Admin.has.added.Points/Collection.Applications.and.Accounts.these.Point/CA/Account.Numbers.can.be.assigned.to.a.Corporate.Group..This.is.how.ACHieve.Access.will.determine.what.data.any.particular.user.can.access.

The.browse.sequence.allows.the.user.to.access.all.files.they.have.originated.and.then.view.information.regarding.each.batch.in.the.file..From.the.Batch.Browse.screen,.the.user.is.able.to.view.information.regarding.each.detail.entry.in.the.batch..From.the.Detail.Browse.screen,.the.user.can.view.all.details.within.the.batch.and.then.select.one.for.inquiry.

The.Originator.Browse.functionality.cannot.be.used.to.access.batch.and.detail.records.that.reside.on.the.Extended.Warehouse..The.detail.records.can.only.be.accessed.using.the.Originator.by.Account.Number.warehouse.option.

Note: If.the.account.number.is.known.and.specific.information.about.a.detail.transaction.is.needed,.the.user.should.use.the.“By.Account.Number”.option.to.access.the.detail.most.efficiently.

Receivers.of.ACH.entries.may.wish.to.inquire.upon.their.items.in.the.warehouse.(based.on.account.number).via.the.ACHieve.Access.module..

35

In.the.ACHieve.Access.environment,.warehouse.inquiry.options.are.divided.into.the.following.categories.depending.on.whether.the.ACHieve.Access.user.is.a.receiver.or.an.originator.of.ACH.entries:

Originator.–.Using.browse.technique.or.Using.account.numberReceiver.–.Using.account.number

Note:.Warehouse.inquiry.functionality.will.not.include.the.ability.for.the.customers.to.view.return.items.in.the.warehouse.

From.the.Corporate.ACHieve.Access.Main.Menu,.the.user.will.select.the.Warehouse.option..Two.options.are.available:

•.Originator.Browse•.Account.Search

WAREHOUSE SEARCH (ORIGINATOR BROWSE) (CORPORATE CUSTOMER)

1.Select.the.Originator Browse.option.from.the.Warehouse.option.on.the.ACHieve.Access.main.menu.on.the.left.side.of.the.home.page.

2.The.ACHieve.Access.Warehouse.Search.page.will.display.

3.Select.the.Application.Name.from.the.drop.down.list.box.

4.Select.the.File.Status..The.options.are.All.(default),.Deleted,.Normal,.Rejected.or.In Progress.

5..Optionally,.the.user.can.further.limit.the.search.by.selecting.the.Date.File.Processed.date.range..Use.the.Calendar.Option.tool.to.select.both.a.From.and.a.To.Date.

6.Select.the.Search.button.to.initiate.the.search.

7.The.list.of.Files.found.will.display.under.the.File.Browse.section.and.will.allow.for.a.search.on.batches.under.the.selected.file:

Note:.For.information.on.navigating.in.the.display.grids.found.on.the.ACHieve.Access.Warehouse.Search.page,.refer.to.the.“Flexigrid.Grid.Layout.and.Usage”.section.found.earlier.in.this.manual.

The.Warehouse.File.Browse.screen.displays.the.following.data.fields.for.each.of.the.files.selected.(based.on.the.delimiters.entered.on.the.previous.screen):

•.Immediate.Destination.(pos..4-13.of.collected.file.header)•.Immediate.Destination.Name.(pos..41-63.of.collected.file.header)•.Immediate.Origin.(pos..14-23.of.collected.file.header)•.Immediate.Origin.Name.(pos..64-86.of.collected.file.header)•.File.Creation.Date.(pos..24-29.of.collected.file.header)•.File.Creation.Time.(pos..30-33.of.collected.file.header)•.File.ID.Modifier.(pos..34.of.collected.file.header)•.Entry/Addenda.Count.(pos..14-21.of.collected.file.trailer)•.Total.Credit.Amount.(pos..32-43.of.collected.file.trailer)


36

•.Total.Debit.Amount.(pos..44-55.of.collected.file.header)•.Date.Processed.by.PEP+.(warehouse.date.of.collection)•.Time.Processed.by.PEP+.(warehouse.time.of.collection)•.PEP+.File.Number.(PEP+.Assigned.File.Number)•.Status.(warehouse.file.status)

8..Select.the.radio.button.next.to.the.batch.and.press.the.Batch Browse button.to.browse.the.selected.batch..The.batches.returned.will.display.on.the.screen.in.the.Batch.Browse.section.below:

The.following.information.about.each.batch.is.displayed.in.the.Batch.Browse.portion.of.this.screen:

•.Batch.Number.(pos..88-94.of.collected.batch.header.record)•.Company.Name/IAT.Indicator.(pos..5-20.of.collected.batch.header.record)•.Company.ID/Originator.ID.(pos..41-50.of.collected.batch.header.record)•.Entry.Description.(pos..54-63.of.collected.batch.header.record)•.Standard.Entry.Class.Code.(pos..51-53.of.collected.batch.header.record)•.Effective.Date.(pos..70-75.of.collected.batch.header.record)•.Date.Processed.(date.collected.by.PEP+)•.Time.Processed.(time.collected.by.PEP+)•.Status.(warehouse.batch.status)•.Credit.Amount.(pos..33-44.of.collected.batch.trailer.record)•.Debit.Amount.(pos..21-32.of.collected.batch.trailer.record)•.Entry/Addenda.Count.(pos..5-10.of.collected.batch.trailer.record)•.Entry.Hash.(pos..11-20.of.collected.batch.trailer.record)

9..Select.the.radio.button.next.to.the.appropriate.Batch.Number.and.select.the.Detail Browse.button.to.perform.a.Detail.Browse.search.

10.The.items.will.display:

The.following.information.about.each.detail.is.displayed.on.the.Detail.Browse.portion.of.the.screen:

•.Transaction.Type.(Debit.or.Credit)•.Transit.Routing.Number.(or.GO/RDFI.Identification.for.IAT.transactions)•.Account.Number•.Dollar.Amount•.Individual.ID.(only.for.non-IAT.transactions)•.Individual.Name.(only.for.non-IAT.transactions)•.Detail.Discretionary.Data.(only.for.non-IAT.transactions)•.GO.OFAC.Screening.Indicator.(only.for.IAT.transactions)•.Secondary.OFAC.Screening.Indicator.(only.for.IAT.transactions)•.PAR.Number

11.To.show.the.item.details,.select.the.Show Item Details.button.and.select.the.radio.button.next.to.the.appropriate.item

37

12.The.Warehouse.Detail.Inquiry.screen.will.display:

13..The.user.can.use.the.scroll.bar.on.the.left.side.of.the.page.to.scroll.through.the.items.on.this.page..On.the.example.above,.the.page.information.has.been.combined.to.display.on.one.page.

14..When.the.user.is.finished.with.this.page,.he.or.she.can.select.the.Cancel.button.at.the.bottom.to.close.the.page.or.click.the.red.X.in.the.upper.right.hand.corner.of.the.screen.

The.following.information.is.displayed.on.the.Warehouse.Detail.Inquiry.screen.above:

•.File.Data:

•.Immediate.Destination.(pos..4-13.of.collected.file.header)•.Immediate.Destination.Name.(pos..41-63.of.collected.file.header)•.Immediate.Origin.(pos..14-23.of.collected.file.header)•.Immediate.Origin.Name.(pos..64-86.of.collected.file.header)•.File.Creation.Date.(pos..24-29.of.collected.file.header)•.File.Creation.Time.(pos..30-33.of.collected.file.header)•.File.ID.Modifier.(pos..34.of.collected.file.header)•.Entry/Addenda.Count.(pos..14-21.of.collected.file.trailer)•.Debit.Amount.(pos..32-43.of.collected.file.trailer)•.Credit.Amount.(pos..44-55.of.collected.file.header)•.Date.Processed.by.PEP+.(warehouse.date.of.collection)•.Time.Processed.by.PEP+.(warehouse.time.of.collection)•.PEP+.File.Number.(PEP+.Assigned.File.Number)•.Status.(warehouse.file.status)

•.Batch.Data:

•.Batch.Number.(pos..88-94.of.collected.batch.header.record)•.Effective.Date.(pos..70-75.of.collected.batch.header.record)•.Batch.Debit.Amount.(pos..21-32.of.collected.batch.trailer.record)•.Batch.Credit.Amount.(pos..33-44.of.collected.batch.trailer.record)•.Batch.Entry/Addenda.Count.(pos..5-10.of.collected.batch.trailer.record)•.Company.Name.(pos..5-20.of.collected.batch.header.record)•.Company.ID.(pos..41-50.of.collected.batch.header.record)•.Entry.Description.(pos..54-63.of.collected.batch.header.record)•.Standard.Entry.Class.Code.(pos..51-53.of.collected.batch.header.record)•.Status.(warehouse.batch.status)


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•.Item.Data:

•.Transaction.Type.(debit.or.credit.–.mapped.from.transaction.code)•.Transit.Routing.Number.(from.warehouse)•.Account.Number.(from.warehouse)•.Individual.ID.(from.collected.‘6’.record)•.Individual.Name.(from.collected.‘6’.record)•.Amount.(from.collected.‘6’.record)•.Discretionary.Data.(from.collected.‘6’.record)•.Original.Account.Number.(from.collected.‘6’.record)•.Original.Transit.Routing.Number.(from.collected.‘6’.record)•.Date.Collected.(from.warehouse)•.Time.Collected.(from.warehouse)•.Date.Distributed.(from.warehouse)•.Time.Distributed.(from.warehouse)•.Scheduled.Distribution.Date.(from.warehouse)•.Scheduled.Distribution.Window.(from.warehouse)

•.PEP+.Distribution.Application.Entry.Assigned.to

•.Point•.Appl•.Type•.PAR.Number

Note:.The.information.displayed.on.the.Warehouse.Detail.Inquiry.screen.may.vary.depending.on.the.Standard.Entry.Class.code.of.the.detail.item.

15..To.review.any.Addenda.Records.associated.with.this.detail.record,.the.user.should.click.the.Show Addenda.button.at.the.bottom.of.the.Warehouse.Detail.Inquiry.page.to.access.the.Detail.Addenda.Records.screen.

Note:.The.Show Addenda.button.will.only.be.displayed.if.there.is.at.least.one.addenda.record.available.

16.If.there.is.an.addendum.associated.with.this.detail.record.and.this.button.is.selected,.the.Detail.Addenda.Records.page.will.be.displayed.

17..At.this.point.the.user.can.search.other.item.details.for.this.Detail.or.can.start.another.search.by.changing.the.item.detail.or.other.parameters..An.example.of.the.Warehouse.page.with.all.of.the.sub.browses.is.shown.below:

ACHIEVE ACCESS WAREHOUSE (ACCOUNT SEARCH)

1.Select.the.Account Search.option.from.the.Warehouse.option.on.the.ACHieve.Access.main.menu.on.the.left.side.of.the.home.page.

2.The.ACHieve.Access.Warehouse.Account.Search.page.will.display.

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3.Enter.the.Account.Search.dropdown.(Originator.or.Receiver).(Required).

4.Enter.the.Application.Name.by.using.the.drop.down.list.(Required).

5.Enter.the.Account.Number.(Required)

6.Enter.the.From.Date.and.To.Date.range.

The.following.optional.fields.can.be.used.as.detail.level.search.delimiters:

•.Company.Name/.IAT.Indicator•.Company.ID/.Originator.ID•.Standard.Entry.Class.Code•.Entry.Description•.Effective.Date•.Transaction.Type.(debit.or.credit)•.Transit.Routing.Number•.Discretionary.Data•.GO.OFAC.Screening.Indicator•.Secondary.OFAC.Screening.Indicator•.Amount•.Amount.Relation•.Individual.ID.Check.Number•.Individual.ID.Check.Number.Relation•.Individual.Name./.Customer.Name

7.If.an.item.fits.this.range,.it.will.display.in.the.Warehouse.Search.Result.portion.of.the.page:

The.top.portion.of.the.Warehouse.Search.Result.screen.will.include.the.following.data.elements.for.each.detail.displayed:

•.Company.Name/.IAT.Indicator.(pos..5-20.of.collected.batch.header)•.Company.ID/.Originator.ID.(pos..41-50.of.collected.batch.header)•.Entry.Description.(pos..54-63.of.collected.batch.header)•.(SEC).Standard.Entry.Class.Code.(pos..51-53.of.collected.batch.header)•.Effective.Date.(pos..70-75.of.collected.batch.header)•.Transaction.Type.(debit.or.credit.–.mapped.from.collected.trans..code)•.Amount.(from.collected.‘6’.record)•.Transit.Routing.Number.(from.collected.‘6’.record)•.Account.Number.(from.collected.‘6’.record)•.Individual.ID.(from.collected.‘6’.record)


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•.Individual.Name.(from.collected.‘6’.record)•.Discretionary.Data.(from.collected.‘6’.record)•.GO.OFAC.Screening.Indicator.(from.collected.‘6’.record)•.Secondary.OFAC.Screening.Indicator.(from.collected.‘6’.record)•.Source.Table.(Warehouse)

8.Select.the.radio.button.next.to.the.item.and.then.click.the.Show.Item.Details.button.to.display.the.Warehouse.Inquiry.for.that.item:

9..The.user.can.use.the.scroll.bar.on.the.left.side.of.the.page.to.scroll.through.the.items.on.this.page..When.the.user.is.finished.with.this.page,.he.or.she.can.select.the.Cancel.button.at.the.bottom.to.close.the.page.or.click.the.red.X.in.the.upper.right.hand.corner.of.the.screen.

The.following.information.is.displayed.on.the.Warehouse.Detail.Inquiry.screen.above:

•.File.Data:

•.Immediate.Destination.(pos..4-13.of.collected.file.header)•.Immediate.Destination.Name.(pos..41-63.of.collected.file.header)•.Immediate.Origin.(pos..14-23.of.collected.file.header)•.Immediate.Origin.Name.(pos..64-86.of.collected.file.header)•.File.Creation.Date.(pos..24-29.of.collected.file.header)•.File.Creation.Time.(pos..30-33.of.collected.file.header)•.File.ID.Modifier.(pos..34.of.collected.file.header)•.Entry/Addenda.Count.(pos..14-21.of.collected.file.trailer)•.Debit.Amount.(pos..32-43.of.collected.file.trailer)•.Credit.Amount.(pos..44-55.of.collected.file.header)•.Date.Processed.by.PEP+.(warehouse.date.of.collection)•.Time.Processed.by.PEP+.(warehouse.time.of.collection)•.PEP+.File.Number.(PEP+.Assigned.File.Number)•.Status.(warehouse.file.status)

•.Batch.Data:

•.Batch.Number.(pos..88-94.of.collected.batch.header.record)•.Effective.Date.(pos..70-75.of.collected.batch.header.record)•.Batch.Debit.Amount.(pos..21-32.of.collected.batch.trailer.record)•.Batch.Credit.Amount.(pos..33-44.of.collected.batch.trailer.record)•.Batch.Entry/Addenda.Count.(pos..5-10.of.collected.batch.trailer.record)•.Company.Name.(pos..5-20.of.collected.batch.header.record)•.Company.ID.(pos..41-50.of.collected.batch.header.record)•.Entry.Description.(pos..54-63.of.collected.batch.header.record)•.Standard.Entry.Class.Code.(pos..51-53.of.collected.batch.header.record)•.Status.(warehouse.batch.status)

•.Item.Data:

•.Transaction.Type.(debit.or.credit.–.mapped.from.transaction.code)•.Transit.Routing.Number.(from.warehouse)•.Account.Number.(from.warehouse)•.Individual.ID.(from.collected.‘6’.record)•.Individual.Name.(from.collected.‘6’.record)•.Amount.(from.collected.‘6’.record)•.Discretionary.Data.(from.collected.‘6’.record)•.Original.Account.Number.(from.collected.‘6’.record)•.Original.Transit.Routing.Number.(from.collected.‘6’.record)

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•.Date.Collected.(from.warehouse)•.Time.Collected.(from.warehouse)•.Date.Distributed.(from.warehouse)•.Time.Distributed.(from.warehouse)•.Scheduled.Distribution.Date.(from.warehouse)•.Scheduled.Distribution.Window.(from.warehouse)

•.PEP+.Distribution.Application.Entry.Assigned.to

•.Point•.Appl•.Type•.PAR.Number

Note:.The.information.displayed.on.the.Warehouse.Detail.Inquiry.screen.may.vary.depending.on.the.Standard.Entry.Class.code.of.the.detail.item.

10.At.this.point.the.user.can.search.other.item.details.for.this.Detail.or.can.start.another.

Chapter 5: Corporate Audit ReportsThe.ACHieve.Access.Corporate.Admin.user.has.the.ability.to.generate.audit.reports.from.inside.ACHieve.Access..

Please note that.entries.longer.than.40.characters.will.be.truncated.to.40.characters.on.the.report.

From.the.ACHieve.Access.Corporate.Home.Page,.Corporate.Admins.will.be.able.to.access.the.Reports.tab.on.the.left.menu.

When.user.clicks.the.Reports.tab.it.will.drop.down.and.display.the.option.for.Audit.Reports..Select.this.link.to.open.the.ACHieve.Access.Audit.Reports.page:

On.this.page.the.user.can.select.the.criteria.for.the.report.and.define.report.preferences..High.level.of.the.Audit.Reports.includes.the.following:

•..Web.audit.reporting.for.Corporate.Customers.(Available.in.PDF.or.HTML.format).The.Corporate.Admin.will.be.able.to.generate.reports.only.for.his.corporate.account.data.

Audit Reporting Editable User PreferencesThe.Audit.Report.page.is.divided.up.into.two.sections..The.top.section.contains.the.following.editable.fields:

Organization..This.drop.down.list.box.field.allows.Corporate.Admin.user.to.generate.audit.reports.for.the.corporate.customer..The.Corporate.Admin.will.be.able.to.generate.reports.only.for.his.corporate.account.data.so.this.field.will.be.populated.with.the.Corporate.name.and.cannot.be.changed.

Users..This.drop.down.list.box.field.allows.the.user.to.further.modify.the.audit.report.by.choosing.to.generate.the.report.for.all.active.users.of.the.selected.Corporate.Customer,.or.to.limit.the.report.to.his.own.audit.data.or.choose.the.audit.data.of.other.individual.corporate.user.

Note:.The.list.of.active.users.is.based.on.the.“<param.name=”retentiondays”.value=”30”./>”.parameter.set.in.the.ppxReports.xml.file..In.this.example,.all.users.who.have.been.active.over.the.past.30.days.would.be.listed.in.this.drop.down.list.

From Date / To Date..These.two.date.fields.work.together.to.allow.the.user.to.select.a.date.range.for.the.audit.reports..The.calendar.tool.allows.the.user.to.select.a.specific.day.in.the.“From”.and.“To”.fields..To.select.to.run.the.report.for.a.single.day,.select.the.same.date.in.the.“From”.and.“To”.fields.

Note:.The.user.may.be.limited.by.the.number.of.days.of.audit.date.retained.by.ACHieve.Access..Additionally,.the.“To.Date”.cannot.be.greater.than.the.current.system.date.


42

The.ACHieve.Access.Corporate.Audit.reports.were.designed.to.display.almost.everything.from.User.request..This.list.of.fields.may.not.be.relevant.to.all.users.

A.configurable.List.of.Key.fields.was.added.as.part.of.the.ppxReports.xml.file.for.different.report.segments.in.ACHieve.Access..Users.can.now.Add/Remove.the.fields.from.the.list.and.the.audit.report.will.display.only.those.requested.fields..In.case.no.such.configuration.is.given.in.the.xml.file,.the.report.will.continue.to.display.the.whole.set.of.available.fields.as.earlier.

Note:.The.above.fields.must.be.set.for.each.report.run.and.defaults.cannot.be.changed.and.saved.through.the.use.of.the.Save Preferences.button.

The.default.settings.for.the.fields.documented.below.can.be.modified.and.saved.through.the.use.of.the.Save Preferences.button:

Report Type..This.drop.down.list.box.field.allows.the.user.to.select.between.two.report.presentation.options.depending.on.the.needs.of.the.bank.or.corporate.user.

•.PDF.format•.HTML.format

Activity Type. This.drop.down.list.box.field.allows.the.user.to.sort.between.all.activity.types.or.to.limit.the.report.to.just.activity.types.involving.a.system.edit.

•.Control.Total•.Corporate.Setup•.Corporate.User.Maintenance•.EPA•.Login/Logout•.Reports•.Schedules•.Warehouse•.All

Sort Fields. Using.the.arrow.indicators.on.the.right.side.of.this.box,.the.user.can.choose.to.sort.these.fields.in.the.order.he.or.she.desires..Select.the.field.in.the.box.with.the.mouse.and.then.use.the.up.arrow.to.move.this.field.up.to.the.top.of.the.list.or.the.down.arrow.to.move.it.down.the.list.

•.Date•.User.ID•.Corporate.ID

Sort Order. This.drop.down.list.box.field.allows.the.user.to.choose.between.the.following.sort.order:

•.Ascending•.Descending

Selecting.the.View Report.button.will.generate.the.report.in.a.new.window..If.the.generated.report.contains.no.data,.a.“No.records.found”.message.will.display.in.that.window.

The.Reset.button.will.undo.all.changes.in.the.Audit.Report.setup.since.the.last.save.

Generating ACHieve Access Audit ReportsTo.generate.reports.from.the.ACHieve.Access.Audit.Reports.page.simply.select.the.appropriate.preferences.and.settings.and.press.the.View.Report button.to.generate.the.report.

SAMPLE OF CORPORATE AUDIT REPORT (HTML)

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SAMPLE OF CORPORATE AUDIT REPORT (PDF)

When.creating.the.ACHieve.Access.Corporate.Audit.Report.using.the.PDF.option,.the.report.will.display.on.a.web.page.utilizing.Adobe.Acrobat.Reader..The.user.will.have.the.following.Acrobat.toolbar.available.(floating.on.top.of.the.report.text).to.Save,.Print,.navigate.through.multiple.pages,.zoom.in.or.out.or.the.user.can.select.the.Acrobat.symbol.on.the.left.side.of.the.toolbar.to.display.this.toolbar.at.the.top.of.the.browser.page.

Floating Acrobat Toolbar


44

Chapter 6: ACHieve Access Notifications

Control Total Notification TypesNotification Type Notification Description:

601 A.Control.Total.Add.request.was.processed.successfully.

602 A.Control.Total.delete.request.was.processed.successfully.

603 A.Control.Total.change.(or.modify).request.was.processed.successfully.

611 A.Control.Total.add.request.was.declined..

612 A.Control.Total.delete.request.was.declined.

613 A.Control.Total.change.(or.modify).request.was.declined.

631 Control.Total.File.Matched

632 Control.Total.File.Not.Matched/Missing

635 Control.Totals.Submitted.does.not.Match.the.File.submitted...

Electronic Payment Authorization Notification TypesCOLLECTION NOTIFICATIONS:

Notification Type Notification Description:

100 Transaction.authorized.by.EA.record.during.collection.

101 Transaction.rejected.during.collection.–.no.EA.record.located.

102 Transaction.rejected.during.collection.–.EA.record.located.but.not.qualified.

DUAL VERIFICATION NOTIFICATIONS:


111 Reject.Submit.-.EPA.Reject.Dual.Verification.Request.Submitted

112 EPA.Reject.Dual.Verification.Request.Approved

113 EPA.Reject.Dual.Verification.Request.Declined

114 EPA.Reject.Dual.Verification.Request.Expired

121 EPA.Dual.Verification.Request.Submitted

122 EPA.Dual.Verification.Request.Approved

123 EPA.Dual.Verification.Request.Declined

124 EPA.Dual.Verification.Request.Expired

RECOLLECTION NOTIFICATIONS:


201 Rejected.transaction.was.“approved”.via.Exchange.(to.be.posted)

202 Rejected.transaction.was.“refused”.via.Exchange.(to.be.retired)

203 “Pending”.reject.was.authorized.by.an.EA.record.during.recollection.(to.be.posted)

204 “Pending”.reject.was.not.authorized.by.an.EA.record.during.recollection.(to.be.retired)

REJECT DECISIONING PERFORMED DURING WINDOW – CONFIRMATION NOTIFICATION:


301 Reject.Decisioning.performed.during.window.accepted..The.user.performs.EPA.reject.decisioning.during.a.PEP+.window..Once.the.window.completes,.the.decisioning.request.is.processed...If.the.item.was.not.recollected.during.the.window,.the.request.is.applied.and.the.user.will.receive.a.‘301’.notification.

45

302 Reject.Decisioning.performed.during.window.rejected..The.user.performs.EPA.reject.decisioning.during.a.PEP+.window..Once.the.window.completes,.the.decisioning.request.is.processed...If.the.item.was.recollected.during.the.window,.the.request.will.not.be.applied.and.the.user.will.receive.a.‘302’.notification.

CICS CHANGES MADE TO AN EA RECORD:


303 Any.CICS.maintenance.(add).performed.on.EA.records.generates.this.notification.type.

304 Any.CICS.maintenance.(delete).performed.on.EA.records.generates.this.notification.type.

305 Any.CICS.maintenance.(update).performed.on.EA.records.generates.this.notification.type.

MERGEBACK NOTIFICATIONS:


501 EA.maintenance.performed.during.the.window.was.accepted.

File Monitoring Notification TypesARRIVAL NOTIFICATIONS:


800 File.has.been.arrived.(ASAP’d).with.normal.status

801 File.has.been.arrived.(ASAP’s).and.given.a.‘late’.status

FILE LEVEL COLLECTION NOTIFICATIONS:


810 Control.Totals.received.however.File.is.missing...

815 File.has.been.processed.successfully.without.errors.

Corporate Admin Dual Verification Notification TypesNotification Type Notification Description:

401 Profile.Change.Notification.–Dual.Verification

402 Profile.Change.Notification.–Dual.Verification

403 Profile.Change.Approver.Action.Notification.–Dual.Verification


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© 2017 Citizens Financial Group, Inc. All rights reserved. Citizens Commercial Banking is a brand name of Citizens Bank, N.A. and Citizens Bank of Pennsylvania. Member FDIC.All other trademarks are the property of their respective owners. Android is a trademark of Google Inc. CS#CMBR4067M_596629_ACH

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