Business ebanking ACH Origination Services (includes ACH Uploads)

Transcription

1 Business ebanking ACH Origination Services (includes ACH Uploads)

2 This guide instructs users how to originate ACH Payments and Collections though Templates. Contact Business Client Services for assistance ACH (NACHA) File Upload...3 Uploading a NACHA Formatted File...3 Approving Uploaded ACH Files...3 Deleting an Unapproved ACH File...3 Searching Uploaded ACH Files...3 ACH File Status Definitions...4 ACH Templates...5 Send / Collect Money Without a Template (one-time payment)...5 Create a Template...6 Create a Template Child Support Payment...7 Send or Collect Money Using a Saved Template...8 ACH File Import Definitions (NACHA, Fixed, Delimited file to an existing template)...8 Importing an ACH File...10 Approving ACH Transactions...12 Returning Approved ACH Transactions to Users for Editing...12 Editing ACH Transactions...13 Completing a Saved ACH Payment...13 Template Maintenance...15 Copying, Editing, Deleting a Template...15 Approving ACH Template Requests...15 Canceling ACH Template Requests...15 Notices of Change (NOCs)...16 Pending ACH Transactions...16 Scheduled ACH Transactions...16 Applying a NOC to a Template...16 Deleting a Saved ACH Payment...17 Deleting ACH Transactions...17 Searching Completed ACH Transactions...17 Transaction Limits (For Administrator Use)...18 Changing Transaction Limits...18 Approvals (For Administrator Use)...19 Transactions...19 Templates...19 Requiring Multiple Approvals for Transactions...19 Requiring Multiple Approvals for Templates...20 Business ebanking ACH Origination with Uploads Page 2 of 20

3 ACH (NACHA) FILE UPLOAD ACH files are automatically deleted if they are not approved or manually deleted within two weeks of the upload date. The Manage Alerts page includes an optional alert to which company users can subscribe to be notified when an ACH file fails to upload to Business ebanking. If applicable, Spanish language characters can be included in ACH files. If Spanish characters are included in an ACH file they are systematically replaced with characters that are supported by NACHA. Uploading a NACHA Formatted File 1. Click Transfers and Payments > Upload ACH transactions. 2. Click Browse and select the NACHA formatted file to upload. 3. Click Upload file. Approving Uploaded ACH Files 1. Click Transfers and Payments > View file status / Approve files. 2. Scroll to the Files to Approve or Transmit section, select the files to approve, and then click Continue. 3. Verify the file(s) as needed and then click one of the following options: Option Description Approve Approve all transactions in the file now; more approvals are required. Transmit Apply final approval. The transactions are transmitted or scheduled, depending on their effective date. 4. Choose your approval method: Non-Token User: If you are an authorized Approver, choose the proper phone number from the Onetime Security Code screen and click Continue. Complete the process. Click Submit. Token User: Type your token passcode (PIN + Token Code) and then click Continue. Deleting an Unapproved ACH File 1. Click Transfers and Payments > View file status / Approve files. 2. Click the link in the File Name column for the ACH file you want to delete. 3. Click the Delete file link. 4. Verify the ACH file as needed and then click Delete. Searching Uploaded ACH Files 1. Click Transfers and Payments > Search uploaded ACH files. 2. Select one or more Status options: Verifying Pending Approval Rejected Transmitted Confirmed 3. Select a Date range option: Specific date From/To 4. Click Generate report. Business ebanking ACH Origination with Uploads Page 3 of 20

4 ACH File Status Definitions Status UPLOADED VERIFYING PENDING APPROVAL REJECTED TRANSMITTED CONFIRMED Description The file is uploaded to Business ebanking. This appears as the file goes through the first phase of validation. The file structure is being verified. This appears as the file goes through the second phase of validation. The file passed verification and is awaiting approvals. The file failed second phase of validation. The file is approved and transmitted. The file is sent to the ACH processor. This appears after the file is transmitted. Business ebanking ACH Origination with Uploads Page 4 of 20

5 ACH TEMPLATES Send Money Without a Template (One-time payment) 1. Click Transfers and Payments > Make ACH payment / Manage templates 2. Click Send money without a template link. 3. Enter Template Information: 3.1 Optional: Enter the Template name (up to 20 alphanumeric characters, to save for future use). 3.2 Select the Request type. 3.3 Select a Company name/id. 3.4 In the Template description field, type a description of the transaction (up to 10 alphanumeric characters such as Payroll, Rent, Payment, etc.). 3.5 Select a Debit account. 3.6 In the Maximum transfer amount field, type the dollar amount that is applied to each detail account you are sending money to. 4. Choose an Effective date you would like the payment to post to the Receiver s account. 5. Select or fill in the Credit/Destination Accounts options: 5.1 In the ABA/TRC field, type the ABA (a.k.a. Routing Number) or click the ABA search link to search for an ABA/TRC. 5.2 In the Account field, type the account number. 5.3 Select an Account Type. 5.4 In the Name field, type the name of the individual/company to receive the funds. 5.5 Optional: In the Detail ID field, type the detail ID (customer account number, Employee ID, etc.). 5.6 Enter the Amount of the payment. 5.7 Click Add additional detail row to add another payment. 6. Click Continue. 7. Verify Payment information. 8. Click Submit for Approval (to be approved by an Approver ) or Transmit (to process the payment). Collect Money Without a Template (One-time payment) 1. Click Transfers and Payments > Collect money via ACH / Manage templates 2. Click Collect money without a template link. 3. Enter Template Information: 3.1 Optional: Enter the Template name (up to 20 alphanumeric characters, to save for future use). 3.2 Select the Request type. 3.3 Select a Company name/id. Business ebanking ACH Origination with Uploads Page 5 of 20

6 3.4 In the Template description field, type a description of the transaction (up to 10 alphanumeric characters such as Payroll, Rent, Payment, etc.). 3.5 Select a Credit account. 3.6 In the Maximum transfer amount field, type the dollar amount that is applied to each detail account you are sending money to. 4. Choose an Effective date you would like the payment to post to the Receiver s account. 5. Fill in the Debit/Destination Accounts options: 5.1 In the ABA/TRC field, type the ABA (a.k.a. Routing Number) or click the ABA search link to search for an ABA/TRC. 5.2 In the Account field, type the account number. 5.3 Select an Account Type. 5.4 In the Name field, type the name of the individual/company to receive the funds. 5.5 Optional: In the Detail ID field, type the detail ID (customer account number, Employee ID, etc.). 5.6 Enter the Amount of the payment. 5.7 Click Add additional detail row to add another payment. 6. Click Continue. 7. Verify Payment information. 8. Click Submit for Approval (to be approved by an Approver ) or Transmit (to process the payment). Create a Template 1. Click Transfers and Payments > Make ACH payment / Manage templates OR Collect money via ACH/ Manage templates. 2. Click Create a Template link. 3. Enter Template Information: 3.1 Enter the Template name (up to 20 alphanumeric characters, to save for future use). 3.2 Select the Request type. 3.3 Select a Company name/id. 3.4 In the Template description field, type a description of the transaction (up to 10 alphanumeric characters such as Payroll, Rent, Payment, etc.). 3.5 Select a Credit/ Debit account. 3.6 In the Maximum transfer amount field, type the dollar amount that is applied to each detail account you are sending money to. 4. Click Continue. 5. Fill in the Credit/Debit Destination Accounts options: 5.1 In the ABA/TRC field, type the ABA (a.k.a. Routing Number) or click the ABA search link to search for an ABA/TRC. 5.2 In the Account field, type the account number. Business ebanking ACH Origination with Uploads Page 6 of 20

7 5.3 Select an Account Type. 5.4 In the Name field, type the name of the individual/company to receive the funds. 5.5 Optional: In the Detail ID field, type the detail ID (customer account number, Employee ID, etc.). 5.6 Optional: Enter the Default Amount of the payment. 5.7 Click Add additional detail row to add another line item. 6. Click Save Template. Create a Template Child Support Payment 1. Click Transfers and Payments > Make ACH payment / Manage templates. 2. Click the Create a template link. 3. Select or fill in the Template Information options: 3.1 In the Template name field, type a name for the template (up to 20 alphanumeric characters). 3.2 If applicable, select the Child Support Payment Request type option. 3.3 Select a Company name/id option. 3.4 In the Template description field, type a description of the transaction (up to 10 alphanumeric characters). 3.5 Select a Debit account option. 3.6 In the Maximum transfer amount field, type the dollar amount that is applied to each detail account. 4. Click Continue. 5. Select or fill in the Child Support Payment options: 5.1 In the SDU ABA/TRC field, type the ABA or click the ABA search link to search for an ABA/TRC. 5.2 In the SDU account number field, type the account number. 5.3 Select an SDU account type option. 5.4 In the SDU name field, type the name of the individual/company associated with the account. 5.5 Optional: In the Identification number field, type the identification number to use for internal tracking purposes (up to 15 alphanumeric characters). 5.6 In the Case identifier field, type the IV-D Case or Court Order # (up to 12 alphanumeric characters). 5.7 Optional: In the Default payment amount field, type the amount to pay. 5.8 In the Non-custodial parent SSN field, type the social security number. 5.9 If applicable, click the Medical support indicator option. This indicates whether the employer offers family medical insurance coverage Optional: In the Non-custodial parent name field, type the parent name (up to 10 characters) Optional: In the FIPS code of the receiving SDU field, type the Federal Information Process Standard code that includes both the state and country codes of the SDU receiving the child support payment (up to seven alphanumeric characters) If applicable, click the Employment termination indicator option. This indicates whether the payee s employment has been terminated. 6. Click Save Template. Business ebanking ACH Origination with Uploads Page 7 of 20

8 Send or Collect Money Using a Saved Template 1. Click Transfers and Payments > Make ACH payment / Manage templates OR Collect money via ACH / Manage templates 2. Select Template from the Available Templates list. 3. Click Continue. 4. Choose an Effective date you would like the payment to post to the Receiver s account. 5. Optional: Enter a Control amount to set an maximum amount for the entire template. 6. Choose Payment instructions option. 7. Enter the Amount(s). 8. Optional: Enter Additional information related to the payment. 9. Click Save Template. 10. Verify Payment information. 11. Click Submit for Approval (to be approved by an Approver ) or Transmit (to process the payment). ACH File Import Definitions Detail account information can be imported into templates using the National Automated Clearing House Association (NACHA) format, or a custom file format (fixed or delimited). The NACHA format uses the format specifications described in NACHA Operating Rules and Guidelines; multiple customers for one financial organization may appear in one file. Custom file formats can be delimited or fixed. A delimited file is a flat text file consisting of data items separated by a specific character. A fixed file is a text file consisting of data that have specific lengths and positions. Note: Fixed and delimited files are not supported for the import of Child Support detail accounts. Imported detail account information can add to or replace existing detail account information in templates: 1. Click Transfers and Payments > Make ACH payment / Manage templates OR Collect money via ACH / Manage templates 2. Click the Maintain file import definitions link. 3. Click the Add a file definition link. 4. Fill in the Description options: 4.1 Enter the Definition name (up to 35 alphanumeric characters). 4.2 Enter a Description (up to 35 alphanumeric characters). 4.3 Select a Request type option. 4.4 Select a File type option: Delimited, Fixed, or Fixed-NACHA. Note: Only Fixed-NACHA is supported for Child Support. 5. Click Continue. 6. Fill in the Characteristics options: 6.1 For Delimited file type, select a Field delimiter option: Tab, Comma, Semi-colon, or Dash. 6.2 For Delimited and Fixed file types, select an Amount format: Whole dollar (123) or Implied decimal (1.23). 6.3 Optional: Select one or more Match records by options: ABA/TRC, Account number, Account type, Account name, ID. 7. Click Continue. Business ebanking ACH Origination with Uploads Page 8 of 20

9 8. Enter the Field Properties (Delimited, Fixed) 8.1 (a) Delimited option: Enter the Position Numbers. Under the "Position Number" column, enter the numeric order of the fields listed below as they would appear in your import file. For example, if the first field in your file is "Account number", and the second field is "ABA/TRC" you would list those as number 1 and number 2 to import. 8.1 (b) Fixed option: Enter the Positions (Start to end). Enter appropriate start and end positions for each field, as displayed in the file to be imported. Valid field properties for each field are listed below for your reference. 8.2 Click Save. Business ebanking ACH Origination with Uploads Page 9 of 20

10 Importing an ACH File NOTE: A file import definition must be created, and it s corresponding Template created prior to importing an ACH file. See Create a Template instructions, page Click Transfers and Payments > Make ACH payment / Manage templates OR Collect money via ACH / Manage templates 2. Select Template from the Available Templates list. 3. Click Continue. 4. Click on Edit this template. 5. Click on Import Details. Business ebanking ACH Origination with Uploads Page 10 of 20

11 6. Choose a File Definition from the list or Add a file definition (See ACH File Import Definitions instructions, page 5). 7. Browse for your file to import. 8. Select the Update by option for your file: Update by Option Adding new and updating existing transactions Adding new transactions only Updating existing transactions Delete existing and add new transactions Description Imports all transactions; adds new transactions and updates existing. Imports only new transactions and ignores existing transactions. Overwrites existing transactions and does not add new transactions. Deletes existing transactions and adds new transactions. 9. Click Import file. 10. Review the imported information. Click View template to view the details of the file. 11. To submit this Template/Import, click Make ACH payment / Manage templates OR Collect money via ACH / Manage templates. 12. Select Template from the Available Templates list. 13. Choose an Effective date you would like the payment to post to the Receiver s account. 14. Optional: Enter a Control amount to set an maximum amount for the entire template. 15. Choose Payment instructions option. 16. Verify details and amounts. 17. Optional: Enter Additional information related to the payment details. 18. Click Continue. 19. Verify Payment information. 20. Click Submit for Approval (to be approved by an Approver ) or Transmit (to process the payment). Token Users: If you are an authorized Approver and clicked Transmit, token authorization is required. In the Passcode field, type both your 8-digit PIN and the code currently displayed on your token, then click Continue. Passcode = PIN + Token Code Non-Token Users: If you are an authorized Approver and clicked Transmit, secondary authorization is required to process. On the One-time security code screen choose the method to be contacted to provide your One-time security code. Enter the code and click Submit. Business ebanking ACH Origination with Uploads Page 11 of 20

12 Approving ACH Transactions 1. Click Transfers and Payments > Approve ACH transactions. 2. Select the transactions you want to approve and then click Approve. 3. Verify the transactions and then click one of the following options: Option Description Approve Approve the transactions now. Transmit Approve and transmit the transactions. Approve/Transmit Approve the transactions now. Transactions that have received all required approvals are transmitted. Note: The number of approvals required and approval settings for the service determine the options available to you. 4. Choose your approval method: Non-Token User: If you are an authorized Approver, choose and clicked Transmit, secondary authorization is required to process. On the One-time security code screen choose the method to be contacted to provide your One-time security code. Enter the code and click Submit. (ACH Transaction Approval Confirmation page will appear.) Token User: Type your token passcode (PIN + Token Code) and then click Continue. Returning Approved ACH Transactions to Users for Editing Return approved ACH transactions to other users in the company for corrections or changes. 1. Click Transfers and Payments > Approve ACH transactions. 2. Click the link in the Account column for the transaction you want to return. 3. Click the Return ACH transaction for edit link. 4. Optional: In the Edit details field, include any comments about what you want changed (up to 80 alphanumeric characters). Note: Text typed into the Edit details field is visible to users in the company who subscribe to the ACH Transaction Returned for Edit alert for the related account. 5. Click Return for edit. All previously applied approvals are removed and the transaction is moved to the page where saved/unsubmitted ACH transactions are stored. Business ebanking ACH Origination with Uploads Page 12 of 20

13 Editing ACH Transactions Correct or change approved ACH transactions for entitled accounts. Editing an ACH transaction removes all previously applied approvals. 1. Click Transfers and Payments > Approve ACH transactions. 2. Click the link in the Account column for the transaction you want to edit. 3. Click the Edit request link. 4. Verify the ACH transaction and then click Edit ACH transaction. 5. Modify the transaction information as needed and then click Continue. 6. Review the ACH transaction as needed and perform one of the following actions: Click the submit for approval link to schedule the ACH transaction without approving. Click Approve to approve and schedule the ACH transaction. Click Transmit to approve and transmit the ACH transaction. 7. If additional authentication is required, you may be prompted to validate your identity through a one-time security code. If you are prompted to complete additional validation, do the following: 7.1 On the dialog box, select Phone or Text message (if applicable). 7.2 Click Continue. 7.3 Do one of the following: If you chose to receive a phone call, speak or enter the displayed one-time security code into your phone. After completing the phone call, click Phone Call Completed. If you chose to receive an SMS message, select the appropriate Country/region, enter a Mobile phone number and then click Send Text Message. If the mobile phone number matches a number on record, a text message containing a one-time security code is sent to your phone. 7.4 For SMS text messages, enter one-time security code displayed on your mobile device into the One-time security code field and then click Submit. 8. If your company requires token authentication for transaction approval, type your passcode and then click Continue. Completing a Saved ACH Payment 1. Click Transfers and Payments > Make ACH payment / Manage templates. 2. Click the Complete unsubmitted requests link. 3. Click the link in the Template Name column for the saved payment you want to complete. 4. Fill in or select any remaining payment information and then click Continue. 5. Verify the payment as needed and then click one of the following options: Option Description Submit for approval Approve the payment later or allow other users in the company to approve it. Transmit Approve and transmit the payment. Approve Approve the payment now. 6. If prompted, complete additional user validation: 6.1 Select Phone or Text message (if applicable) and then click Continue. Business ebanking ACH Origination with Uploads Page 13 of 20

14 6.2 Do one of the following: If you selected to be contacted by phone, a one-time security code is displayed; you should enter or speak the code into the phone once you receive your phone call. After completing the phone call, click Phone Call Completed. If you selected to be contacted by SMS text, a dialog box is displayed for you to enter your mobile phone number, select the appropriate Country/region, enter a Mobile phone number and then click Send Text Message. If the mobile phone number matches a number on record, a text message containing a one-time security code is sent to your phone and the Enter the Security Code dialog appears. 6.3 For SMS text messages, type the one-time security code displayed on your mobile device into the One-time security code field on the Enter the Security Code dialog and then click Submit. 7. If required, type your token passcode and then click Continue. Business ebanking ACH Origination with Uploads Page 14 of 20

15 TEMPLATE MAINTENANCE Copying a Template - ACH Payment 1. Click Transfers and Payments > Make ACH payment / Manage templates. 2. Click the link in the Template Name column for the template you want to copy. 3. Click the Copy template link. 4. Fill in or change the template information as needed. 5. Click Save changes. Editing a Template - ACH Payment 1. Click Transfers and Payments > Make ACH payment / Manage templates. 2. Click the link in the Template Name column for the template you want to edit. 3. Click the Edit template link. 4. Fill in or change the template information as needed. 5. Click Save changes. Deleting a Template - ACH Payment 1. Click Transfers and Payments > Make ACH payment / Manage templates. 2. Click the link in the Template Name column for the template you want to delete. 3. Click the Delete template link. 4. Verify the template information as needed. 5. Click Delete. Approving ACH Template Requests 1. Click Transfers and Payments > Approve ACH templates. 2. Select the templates to approve and then click Approve. Canceling ACH Template Requests 1. Click Transfers and Payments > Approve ACH templates. 2. Click the link in the Template Name column for the template request you want to cancel. 3. Click the Cancel template request link. 4. Verify the template as needed and then click Cancel request. Business ebanking ACH Origination with Uploads Page 15 of 20

16 Notices of Change (NOCs) A NOC could be sent for a number of reasons: ABA of the bank needs to be updated. The account number of the recipient needs to be updated. The name of the recipient needs to be updated. The account type indicated in the transaction is of the wrong type (checking/savings). The individual identification number for the recipient needs to be updated. An addenda record was formatted incorrectly or unclear. If a template has both a NOC and pending changes submitted by a company user, the NOC cannot be applied until the pending template changes have received all required approvals or the changes are canceled. Company users might be prevented from using or modifying an ACH template until the associated NOCs are applied. In these instances, templates appear with an alert icon ( selected to initiate a transaction. ) in place of the radio button so they cannot be Automatically Applying a NOC to a Template 1. Do one of the following: For payments, click Transfers and Payments > Make ACH payment / Manage templates. For collections, click Transfers and Payments > Collect money via ACH / Manage templates. 2. Click the link in the Template Name column for the template that has the notice of change icon. 3. Click the Apply NOC link. Pending ACH Transactions If a template is used to initiate a transaction and then a NOC is received for it, the alert icon appears next to the pending transaction to indicate that it cannot be approved/transmitted. The alert icon ( ) remains next to the pending transaction even after the NOC is applied to the template because changes to a template are not applied to pending transactions. In this situation company users can only delete the pending transaction and then recreate it. Scheduled ACH Transactions If a template is used to schedule transactions and then a NOC is received and applied, previously approved transactions will have the approval removed and are moved to the Approve ACH Transactions page upon their send-on dates. Company users can delete the transactions through the Approve ACH Transactions page. If a NOC is applied to a template before the schedule is transmitted, the changes are applied to the next scheduled transaction and all previously applied approvals are removed. Business ebanking ACH Origination with Uploads Page 16 of 20

17 Deleting a Saved ACH Payment 1. Click Transfers and Payments > Make ACH payment / Manage templates. 2. Click the Complete unsubmitted requests link. 3. Click the Delete request link beside the payment you want to delete. 4. Verify the payment as needed and then click Delete. Deleting ACH Transactions 1. Click Transfers and Payments > Approve ACH transactions. 2. Click the link in the Account column for the transaction you want to delete. 3. Click the Delete request link. 4. Verify the transaction as needed and then click Delete. Searching Completed ACH Transactions 1. Click Transfers and Payments > View completed ACH transactions. 2. Select one or more Account options. 3. Select a Date type option: Effective date Transmit date 4. If applicable, select one or more Service options. 5. Select a Date range option: Specific date From/To 6. Click Generate report. Business ebanking ACH Origination with Uploads Page 17 of 20

18 TRANSACTION LIMITS (FOR ADMINISTRATOR USE) Company limits are set by Chemical Bank and apply to all users in a particular company. User limits only apply to a particular user in a company and override the company-defined limits when they are more restrictive. A company user's limits cannot exceed the company limits. If a company limit is changed so it is more restrictive than a user's limit, the user limit is automatically set to the company limit. Limits can be defined by service, account, and transaction. Limit Type Daily cumulative Daily by service Daily by account Daily by account - by transaction Maximum transaction approval Description The maximum allowable cumulative amount of all successful transactions in a given day for a group of services. The maximum allowable cumulative amount of all successful transactions in a given day for a particular service. The maximum allowable cumulative amount of all successful transactions on a per account basis in a given day. The maximum allowable amount for each transaction for a particular account. The maximum allowable amount for a bill payment transaction to be approved by a user. Changing Transaction Limits 1. Click Administration > Manage users. 2. Click the link in the User ID column for the user you want to change. 3. If applicable, click the Edit link beside the service and change the following limits: User daily limit User Daily Service Limit User Daily Account Limit User Individual Transaction Limit The maximum allowable cumulative amount of all successful transactions in a given day for a group of wire services. The maximum allowable cumulative amount of all successful transactions in a given day for a particular wire service. The maximum allowable cumulative amount of all successful transactions on a per account basis in a given day. The maximum allowable amount for each transaction for a particular account. 3.1 If multiple approvals are required for administration changes, do one of the following: If you are done making changes to the limits, click Submit. If you have more changes to make to the limits, click Continue. 3.2 If multiple approvals are not required for administration changes, click Save changes. Business ebanking ACH Origination with Uploads Page 18 of 20

19 APPROVALS (FOR ADMINISTRATOR USE) Transactions Multiple approvals can be required to send a transaction and can be based on transaction amount. The number of approvals required can vary based upon the dollar amount of a request. Companies with multiple users can require transactions to be approved by users other than the ones who entered them, provided the setting is available for the service. The number of approvals required for a service should not be greater than the number of users authorized to approve/transmit the transactions. Multiple approvals can be set uniquely by service. Templates Multiple approvals can be required for ACH template additions, changes, and deletions. Multiple approvals can be set. Requiring Multiple Approvals for Transactions 1. Click Administration > Manage approval settings. The Approvals Administration page will appear. 2. In the Approvals Required for Transactions section, define the approval settings for the service: Type Request Amount Approvals If Less or Equal Approvals If Greater Description Type the amount of the transaction. Type the number of approvals required when the transaction amount is less than or equal to the Request Amount. Type the number of approvals required when the transaction amount exceeds the Request Amount. Business ebanking ACH Origination with Uploads Page 19 of 20

20 3. Optional: If applicable, require transactions to be approved by users other than the users who entered them. 3.1 Review your company's scheduled transactions and determine if any have been approved by the entry user (e.g., user who created the schedule). If a scheduled transaction has been approved by the entry user, have that user delete and recreate the schedule. Warning: If this is step is not performed, then the scheduled transactions with an approval applied by the entry user will fail and be placed in the approval queue where the additional approval(s) can be applied. 3.2 Click the Require Separate Entry From Approval option. Services that have a checkmark ( ) are required by the Chemical Bank to have this control and cannot be changed. 4. Click Save changes. Requiring Multiple Approvals for Templates 1. Click Administration > Manage approval settings. 2. In the Approvals Required for Setup section, in the Approvals Required field, type the number of approvals required for each service for template additions, changes, and deletions. Up to nine approvals can be required. 3. Click Save changes. Business ebanking ACH Origination with Uploads Page 20 of 20

21 ACH Upload File Format Specifications Chemical Bank Output Record Types Each Record in an ACH file are 94 characters long. The record type is identified by the first digit in column 1: 1 First row of the file (File Header Record) 5 Indicates the first row of the Batch (Batch Header Record) 6 Indicates the destination account/amount rows in the file (Entry Detail Record) 7 indicates an Addenda record, but is not documented here 8 Last row of the Batch (Batch Control Record) 9 Last row of the file (File Control Record). If the number of record rows is not a factor of 10, the remainder of the file must be 9 filled. NOTE: Most accounting software has an option for offset transaction to create a balanced file. Please select this option. A sample NACHA ACH formatted payroll file with one employee and an offset debit should look similar to this: A094101CHEMICAL BANK YOUR COMPANY NAME HERE XXXXXXXX 5200YOURCOMPANYNAME PPDPAYROLL BENEFICIARY NAME OFFSET ACCOUNT NAME Data Specifications for ACH Records ALPHABETIC / ALPHAMERIC Valid Characters 0-9, A-Z, a-z, space, EBCDIC values greater than hexadecimal "3F", ASCII values greater than hexadecimal "1F" 0-9 Justification Left Right NUMERIC Empty Field Handling Space Filled zero filled Special Notes Certain fields require the use of UPPER CASE characters (Standard Entry Class Code field; File ID Modifier field) No positive (+) or negative (-) signs Record Format Specifications File Header Record (1 Record) A094101CHEMICAL BANK YOUR COMPANY NAME HERE XXXXXXXX FIELD DESCRIPTION SIZE CONTENTS VARIABLE? EXAMPLE OR CONSTANT 1 Record Type 1 1 N 1 2 Priority Code 2 01 N 01 3 Immediate Destination 10 Chemical Bank R/T # Y Immediate Origin 10 Your ACH Tax ID preceded by 1 Y (sample) 5 File Create Date 6 YYMMDD Y File Create Time 4 HHMM (Use 24 hour clock) Y File ID Modifier 1 Alphanumeric* Y A 8 Record Size N Blocking Factor 2 10 N Format Code 1 1 N 1 11 Destination Name 23 Destination Financial Institution (FI) N CHEMICAL BANK 12 Origin Name 23 Your Company Name N YOUR COMPANY NAME HERE 13 Reference Code 8 Optional (Identifies file) Y (8 characters) *Used in order to permit multiple files created on the same date to be distinguished. Upper case alpha characters and the numbers 0-9 are permitted. NACHA ACH File Format Specifications Effective Page 1 of 3

22 5200YOURCOMPANYNAME PPDPAYROLL FIELD DESCRIPTION SIZE CONTENTS VARIABLE? EXAMPLE OR CONSTANT 1 Record Type 1 5 N 5 2 Service Class Code 3 See Note 1 below N Company Name 16 Alphanumeric N YOURCOMPANYNAME 4 Company Discretionary Data 20 Alphanumeric-See Note 2 below Y (20 characters) 5 Company ID 10 See Note 3 below Y Standard Entry Class Code 3 See Note 4 below Y PPD 7 Company Entry Description 10 Alphanumeric-See Note 5 below Y PAYROLL 8 Company Descriptive Date 6 Optional-See Note 6 below Y Effective Entry Date 6 YYMMDD-See Note 7 below Y Settlement Date (Julian Date) 3 leave blank N (3 spaces) 11 Originator Status Code 1 1 N 1 12 Origin Identification 8 Chemical Bank R/T# N Batch Number 7 See Note 8 below Y NOTE 1: Indicates the type of entries in the file: 200 = Mixed debits and credits (most common) 220 = Credits only 225 = Debits only 280 = Automated accounting advices NOTE 2: Optional field used for additional information about the batch. Company Batch Header Record (5 Record) NOTE 3: The Company EIN/Tax ID usually preceded by a 1 (or numbers 0 through 9) NOTE 4: Indicates the Beneficary account type. Most common are: PPD (Personal account, example: Direct Deposit or Direct Payment) CCD (Corporate account, example: Vendor payments) NOTE 5: Advises the Beneficiary of the type of payment this is (Examples: PAYROLL, PAYMENT, RENT, MNTHLYPYMT, RECEIVABLE ) NOTE 6: Optional field; the date an originating company would like to see included with the transaction (it is not used in determining settlement or effective date). NOTE 7: The date the originating company intends the funds to post to the Beneficiary account (pay date). NOTE 8: If there is more than one batch in the file, each would be sequentially numbered. Entry Detail Record (6 Record) BENEFICIARY NAME OFFSET ACCOUNT NAME FIELD DESCRIPTION SIZE CONTENTS VARIABLE? EXAMPLE OR CONSTANT 1 Record Type 1 6 N 6 2 Transaction Code 2 Transaction Type-See Note 1 below Y 22 3 Receiving FI Identification 8 Receiving FI s first 8 digits of R/T# Y Check Digit 1 Receiving FI s 9 th digit of R/T# Y 4 5 Account Number 17 Beneficiary Account Number Y Amount 10 See Note 2 below Y Individual ID Number 15 See Note 3 below Y (15 spaces if not used) 8 Name 22 Account Holder Name Y BENEFICIARY NAME 9 Discretionary Data 2 leave blank N (2 spaces) 10 Addenda Record ID 1 See Note 4 below Y 0 or 1 11 Trace Number 15 See Note 5 below Y Offset transaction. NOTE 1: Indicates debit or credit and account type: 22 Checking Credit 32 Savings Credit 27 Checking Debit 37 Savings Debit NOTE 2: The amount of the debit/credit with implied decimal, zero pre-filled (Example: $ = ). NOTE 3: Optional field. May be used for Employee ID or customer/vendor number. NOTE 4: Indicates whether or not addenda follows the Detail Record. Addenda Records are optional. If used, field 10 must be a 1, if not, it is a 0. NOTE 5: The first 8 digits represent Chemical Bank s first 8 digits of the Routing Number (R/T#); the remaining 7 digits are unique to the transaction (usually sequentially numbered within the file). NACHA ACH File Format Specifications Effective Page 2 of 3

23 Company Batch Control Record (8 Record) FIELD DESCRIPTION SIZE CONTENTS VARIABLE? EXAMPLE OR CONSTANT 1 Record Type 1 8 N 8 2 Service Class Code 3 See Note 1 below Y Entry/Addenda Count 6 See Note 2 below N Entry Hash 10 See Note 3 below Y Total Debit Amount 12 Batch Debit Total- See Note 4 below Y Total Credit Amount 12 Batch Credit Total- See Note 4 below Y Company ID 10 See Note 5 below Y Reserved 19 leave blank N (19 spaces) 9 Reserved 6 leave blank N (6 spaces) 10 Originating FI Identification 8 Originating FI s first 8 digits of R/T# N Batch Number 7 See Note 6 below Y NOTE 1: Indicates the type of entries in the file: 200 Mixed debits and credits, indicates an offset transaction 220 Credits only 225 Debits only 280 Automated accounting advices NOTE 2: The total number of Entry Detail (6 Records) and optional Addenda (7 Records) in this batch. NOTE 3: The receiving bank routing numbers (minus the check digit) are hashed to prevent alteration of data contents. Software is required to have necessary algorithms to create this value. NOTE 4: The total amount of the debits/credits in the batch with implied decimal, zero pre-filled (Example: $ = ) NOTE 5: The Company EIN/Tax ID usually preceded by a 1 (or numbers 0 through 9) NOTE 6: If there is more than one batch in the file, each would be sequentially numbered. File Control Record (9 Record) FIELD DESCRIPTION SIZE CONTENTS VARIABLE? EXAMPLE OR CONSTANT 1 Record Type 1 9 N 9 2 Batch Count 6 Numeric Y Block Count 6 Numeric-See Note 1 below Y Entry/Addenda Count 8 Numeric-See Note 2 below Y Entry Hash 10 Numeric-See Note 3 below Y Total Debit Amount 12 Total $ of all Debits in file Y Total Credit Amount 12 Total $ of all Credits in file Y Reserved 39 leave blank N (39 spaces) NOTE 1: The number of blocks in the file, including both the File Header ( 1 ) and File Control ( 9 ) Records. A block is 940 characters, or 10 rows of data, which corresponds with the required blocking factor of 10 (designated in the File Header Record). If the number of record rows is not a factor of 10, the remainder of the file must be 9 filled. NOTE 2: The total number of Entry Detail (6 Records) and optional Addenda (7 Records) in all batches within the file. NOTE 3: The receiving bank routing numbers (minus the check digit) are hashed to prevent alteration of data contents. Software is required to have necessary algorithms to create this value. NACHA ACH File Format Specifications Effective Page 3 of 3