Chase Connect® User Guide: Fraud Protection Services

CHASE CONNECT® USER GUIDE

Fraud Protection Services

With Fraud Protection Services1, you can help safeguard your account(s) against check fraud. We encourage you to dedicate time to upload check details (if necessary), review the items we flag as exceptions and make pay or return decisions. The system administrator or a user who has been granted access through Access & Security Manager can perform these tasks.

We offer two types of Fraud Protection Services: Positive Pay and Reverse Positive Pay

• Positive Pay: You let us know information about every check you write, and we compare checks presented for payment to the information you’ve given us. If it matches, we pay the checks. If it doesn’t match, we mark it as an exception and you decide whether or not we pay it. You must tell us by 4 p.m. local account time whether to pay or return the checks. If we don’t receive a decision by the cutoff time, we’ll return all exception checks and may charge a returned check fee.

• Reverse Positive Pay: You set a threshold payment amount. We pay all checks below that amount and mark all checks at or above that amount as an exception. You review the flagged checks and tell us by 4 p.m. local account time if we should pay or return the checks. If we don’t receive a decision by the cutoff time, we’ll pay the checks.

Fraud Protection On The Go

If you have access to our Chase Mobile® App or browser, you can make exception decisions while away from your desk. You can also enter details for individual checks. Visit your mobile app store or enter www.chase.com/chaseconnect into your mobile browser.

System administrators can provide mobile access permission to authorized users though Access & Security Manager.

1 Terms and conditions, including fees and limitations, apply as described in the legal agreement for your online service.

Copyright © 2019 JPMorgan Chase & Co. All rights reserved. 1 Enrollment Enrollment Positive Pay: Customize Manage Add Checks Review Reverse Create Tips Upload A File File Format File Format Individually Exceptions Positive Pay Reports < >

From the navigation bar, select Fraud protection from the Account management drop-down menu. Business Banking users will be prompted to select a billing account.

Copyright © 2019 JPMorgan Chase & Co. All rights reserved. 3 Enrollment Positive Pay: Customize Manage Add Checks Review Reverse Create Tips Upload A File File Format File Format Individually Exceptions Positive Pay Reports < >

We’ll list every eligible account you have in your profile. For each account, choose Positive Pay or Reverse Positive Pay. You may only choose one option for each.

Copyright © 2019 JPMorgan Chase & Co. All rights reserved. 4 Enrollment Positive Pay: Customize Manage Add Checks Review Reverse Create Tips Upload A File File Format File Format Individually Exceptions Positive Pay Reports < >

Commercial clients: If you select Positive Pay, you can Review immediate check exceptions and Activate payee name verification. Review immediate check exceptions is automatically selected. Every check is presented as an exception until you provide check details. Decisions not received by 4 p.m. local account time, will be automatically returned and you may be charged a returned check fee. If you choose activate payee name verification, we verify the payee name on the check matches the payee provided.

Copyright © 2019 JPMorgan Chase & Co. All rights reserved. 5 Enrollment Positive Pay: Customize Manage Add Checks Review Reverse Create Tips Upload A File File Format File Format Individually Exceptions Positive Pay Reports < >

4 5

After you’ve decided on options for If you select Reverse Positive Pay, all your accounts, choose Next. designate the dollar amount threshold for review. We’ll pay all checks below that amount and present any item over as an exception for your review.

Copyright © 2019 JPMorgan Chase & Co. All rights reserved. 6 Enrollment Positive Pay: Customize Manage Add Checks Review Reverse Create Tips Upload A File File Format File Format Individually Exceptions Positive Pay Reports < >

All accounts you’ve selected for enrollment will be listed. For Positive Pay, upload a file detailing your check information right away or add 6 it in manually. If you have Positive Pay turned on for multiple accounts, you can include checks written from all accounts in one file. Positive Pay is usually active within three business days from the date of providing issuance information.

Copyright © 2019 JPMorgan Chase & Co. All rights reserved. 7 Positive Pay: Upload A File Get us the information we need by typing in the details for each check, or uploading a file with all your check data included. Checks provided can be future dated up to 15 calendar days in advance. Enrollment Positive Pay: Customize Manage Add Checks Review Reverse Create Tips Upload A File File Format File Format Individually Exceptions Positive Pay Reports < >

1 Prepare your spreadsheet: Your file cannot have a header—the first row must be the first check you’ve written, and each subsequent check follows on its own row. Here’s the information we need in each column – be sure to follow exact formatting: Check type: I or C. “I” is for issued check, “C” is for canceled check Account number for the check you’ve written: option to include check issuance information for multiple accounts in one file. Check number Check date (mmddyy): some spreadsheets will automatically delete the leading zero, so be sure you’ve set that column to accept 6 numbers Amount: include a decimal point but no commas Payee line 1: 40 character max Payee line 2: optional—40 character max

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Save your file in comma- separated value (CSV) format. Most default to this automatically, but be sure to confirm.

Note: If you are changing an 2 Excel® file to CSV and using special character “ the file must be modified using Notepad to remove the two additional “ that Excel automatically adds. Ex: change “”test payee”” to “test payee.” Once the change is made, simply click save and upload

Copyright © 2019 JPMorgan Chase & Co. All rights reserved. 10 Enrollment Positive Pay: Customize Manage Add Checks Review Reverse Create Tips Upload A File File Format File Format Individually Exceptions Positive Pay Reports < >

Click Choose file and select the file to 3 upload.

Confirm that the file name is accurate and choose Upload.

Important: We’ll validate your file and let you know of any errors. Click Submit to transmit the final file to us.

Copyright © 2019 JPMorgan Chase & Co. All rights reserved. 11 Customize File Format Organize your file the way you want, just be sure to let us know which columns correspond to each category. Enrollment Positive Pay: Customize Manage Add Checks Review Reverse Create Tips Upload A File File Format File Format Individually Exceptions Positive Pay Reports < >

From the upload file screen, choose 1 Customize file format.

Copyright © 2019 JPMorgan Chase & Co. All rights reserved. 13 Enrollment Positive Pay: Customize Manage Add Checks Review Reverse Create Tips Upload A File File Format File Format Individually Exceptions Positive Pay Reports < >

Name the file format to customize and choose if you’d like to use this format for most of your file uploads. 2 Don’t change the button from CSV unless you want to specify exact start and end positions for every field.

We’ve listed the 7 categories we need. At the far left, order them however 3 you’d like. Choose the format for some fields, but use the format described in the “Positive Pay— Upload File” section of this document.

Click Save format. Make sure the format is exactly how you want it, and then choose Submit.

Copyright © 2019 JPMorgan Chase & Co. All rights reserved. 14 Manage File Format Update any of the saved customized formats at any time. Enrollment Positive Pay: Customize Manage Add Checks Review Reverse Create Tips Upload A File File Format File Format Individually Exceptions Positive Pay Reports < >

From the Fraud Protection Services summary screen, go to Things you can do drop-down menu and choose Manage custom file formats. Option to 1 navigate here by choosing Manage file formats on the Upload file screen.

All formats saved are listed here. Choose the format you need to 2 update, and follow the steps in the Customize File Format section.

Copyright © 2019 JPMorgan Chase & Co. All rights reserved. 16 Add Checks Individually Don’t write a lot of checks? Simply provide the information for each individual check as you issue them. Add up to 25 checks at a time, and we’ll total the number of checks and amount you’re adding. Enrollment Positive Pay: Customize Manage Add Checks Review Reverse Create Tips Upload A File File Format File Format Individually Exceptions Positive Pay Reports < >

Toggle from Upload file to Add one-by-one.

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Fill in the information for Edit or delete a check prior to each category. Choose submitting it. Add check after you’ve provided the necessary 2 information . 3

Choose Next, and verify the information provided. After confirming, you can submit your checks. 4

Copyright © 2019 JPMorgan Chase & Co. All rights reserved. 19 Review Exceptions After you’ve uploaded your file or typed in check information, we’ll verify the information is correct against checks presented for payment. Any checks that don’t match, or any presented that you haven’t told us about, are exceptions that we flag for your review. Enrollment Positive Pay: Customize Manage Add Checks Review Reverse Create Tips Upload A File File Format File Format Individually Exceptions Positive Pay Reports < >

View your exceptions by selecting Fraud protection from the Account management drop-down menu in the navigation bar.

Copyright © 2019 JPMorgan Chase & Co. All rights reserved. 21 Enrollment Positive Pay: Customize Manage Add Checks Review Reverse Create Tips Upload A File File Format File Format Individually Exceptions Positive Pay Reports < >

We’ll tell you how many exceptions you need to review. Be sure to review Positive Pay and Reverse Positive Pay 2 exceptions separately. To see every Positive Pay exception from every account you’ve enrolled, check the box at the top of the Positive Pay list. If you only want to look at exceptions from one account at a time, check the box for that individual account.

Choose Next after you’ve chosen at least 3 one account.

Copyright © 2019 JPMorgan Chase & Co. All rights reserved. 22 Enrollment Positive Pay: Customize Manage Add Checks Review Reverse Create Tips Upload A File File Format File Format Individually Exceptions Positive Pay Reports < >

See a larger image if you 5 review exceptions using Check view.

If you’d like to see a small image of the check, choose 4 the check icon.

Copyright © 2019 JPMorgan Chase & Co. All rights reserved. 23 Enrollment Positive Pay: Customize Manage Add Checks Review Reverse Create Tips Upload A File File Format File Format Individually Exceptions Positive Pay Reports < >

We’ll list each check and the reason we flagged it. Using the drop-down, make a decision on each check: pay, return or no decision. If you choose to pay the check, we’ll pay it. If you choose to return it, we won’t pay the check. If you choose no decision, we’ll return the check if you haven’t decided to pay it by 4 p.m. local account time, and we may charge a returned check fee.

Copyright © 2019 JPMorgan Chase & Co. All rights reserved. 24 Enrollment Positive Pay: Customize Manage Add Checks Review Reverse Create Tips Upload A File File Format File Format Individually Exceptions Positive Pay Reports < >

If you’d like to look at each check one-by-one, toggle 7 from List view to Check view. Using the same drop- 8 down as in Step 6, make your decision to pay or return the check.

Choose Next check after you’ve made a decision on each. 9

Copyright © 2019 JPMorgan Chase & Co. All rights reserved. 25 Enrollment Positive Pay: Customize Manage Add Checks Review Reverse Create Tips Upload A File File Format File Format Individually Exceptions Positive Pay Reports < >

Make sure all the check decisions you’ve made are accurate. If you need to make a change, choose Back and repeat Step 6. If everything is correct, choose Submit.

Copyright © 2019 JPMorgan Chase & Co. All rights reserved. 26 Reverse Positive Pay: Review Exceptions After you’ve set your threshold amount, we’ll review all checks presented for payment. All checks at or above your threshold, will be flagged for your review. Enrollment Positive Pay: Customize Manage Add Checks Review Reverse Create Tips Upload A File File Format File Format Individually Exceptions Positive Pay Reports < >

When you first sign in, you’ll have a message at the top of the screen detailing the number of exceptions. Navigate to the decision screen from the message itself, or choose Fraud protection from the Account management drop-down menu.

Copyright © 2019 JPMorgan Chase & Co. All rights reserved. 28 Enrollment Positive Pay: Customize Manage Add Checks Review Reverse Create Tips Upload A File File Format File Format Individually Exceptions Positive Pay Reports < >

Choose Next after you’ve chosen at least one account. We’ll tell you how many exceptions you need to review. You must review Positive Pay and Reverse Positive Pay exceptions separately. To 2 see every Reverse Positive Pay exception from every account you’ve enrolled, check the box at the top of the Reverse Positive Pay list. If you only want to look at exceptions from one account at a time, check the box for that 3 individual account.

Copyright © 2019 JPMorgan Chase & Co. All rights reserved. 29 Enrollment Positive Pay: Customize Manage Add Checks Review Reverse Create Tips Upload A File File Format File Format Individually Exceptions Positive Pay Reports < >

If you adjust the check, we’ll ask you for the Adjusted amount. Then choose Pay next to the new amount to authorize.

We’ll list each check that’s at or above your threshold amount. Using the drop-down, make a decision on each check: pay, return, adjust or no decision. If you choose to pay the check, 4 we’ll pay it. If you choose to return it, we won’t pay the check. If you choose no decision, we’ll pay the check if you haven’t decided to return it by 4 p.m. local account time.

Copyright © 2019 JPMorgan Chase & Co. All rights reserved. 30 Enrollment Positive Pay: Customize Manage Add Checks Review Reverse Create Tips Upload A File File Format File Format Individually Exceptions Positive Pay Reports < >

You can see a larger image if 6 you review exceptions using Check view.

If you’d like to see a small 7 image of the check, choose the check icon.

Copyright © 2019 JPMorgan Chase & Co. All rights reserved. 31 Enrollment Positive Pay: Customize Manage Add Checks Review Reverse Create Tips Upload A File File Format File Format Individually Exceptions Positive Pay Reports < >

Make sure all the check decisions you’ve made are accurate. If you need to change something, choose Back and repeat Step 6. If everything is correct, choose Submit.

Copyright © 2019 JPMorgan Chase & Co. All rights reserved. 32 Create Reports Easily generate reports for exceptions and checks submitted. • Exceptions history displays information about every exception over the time period chosen, including the check details, pay/return decision, status and who reviewed it. • Check input history (Positive Pay only) displays information about the check details provided via file upload or manual input. Enrollment Positive Pay: Customize Manage Add Checks Review Reverse Create Tips Upload A File File Format File Format Individually Exceptions Positive Pay Reports < >

1 From the Fraud Protection Services landing screen, choose Reports.

Copyright © 2019 JPMorgan Chase & Co. All rights reserved. 34 Enrollment Positive Pay: Customize Manage Add Checks Review Reverse Create Tips Upload A File File Format File Format Individually Exceptions Positive Pay Reports < >

Choose whether you’d like a report on Exceptions history or Check input history (Positive Pay only). Use the drop-down menu to choose the account you’d like to generate reports from, 3 enter a date range or use the drop-down menu to select from a period provided (i.e. last 30 days). Once you’ve selected the account and date range, the Show report button will activate.

Copyright © 2019 JPMorgan Chase & Co. All rights reserved. 35 Enrollment Positive Pay: Customize Manage Add Checks Review Reverse Create Tips Upload A File File Format File Format Individually Exceptions Positive Pay Reports < >

We’ll show you a list based on your search criteria. Print or download the report by choosing the appropriate icon.

Copyright © 2019 JPMorgan Chase & Co. All rights reserved. 36 Tips Enrollment Positive Pay: Customize Manage Add Checks Review Reverse Create Tips Upload A File File Format File Format Individually Exceptions Positive Pay Reports < >

Tips

How to Reduce Exceptions Caused by Readability Errors Please use the following guidelines to reduce the number of check exceptions due to readability problems. Remember, with Positive Pay, you’re charged for each check exception we find.

• Text formatting. Checks are most readable when the text is printed in 12-point font or larger, in a recommended font style (Courier New, Arial or Times New Roman), black ink, and all uppercase letters. It’s very hard for our systems to read italicized, underlined or cursive text.

• Printing. Checks should be printed on ink jet or laser printers with a 600 dpi resolution or higher. We don’t recommend issuing dot matrix or handwritten checks. If your checks have a design on them, keep in mind that any dark background patterns, images or watermarks in the name and address block area can distort the black and white image and may interfere with readability.

• Payee name. The name you provide must match exactly the name printed on the check in layout, format, letters and punctuation. The name must start on the first line of the payee address block and must not exceed two lines of the payee address block.

Fraud Protection Alerts When you manage your checks through Fraud Protection Services, you can receive Account Alerts to help keep track of your account activity.

Both System Administrators and Authorized users must subscribe to alerts and can do so from the Things you can do menu in Fraud Protection Services, or by clicking the person icon in the upper right corner and choosing Alerts from the drop- down menu.

If you have more questions about alerts and how to set them up, we have a guide similar to this one.

Copyright © 2019 JPMorgan Chase & Co. All rights reserved. 38 Enrollment Positive Pay: Customize Manage Add Checks Review Reverse Create Tips Upload A File File Format File Format Individually Exceptions Positive Pay Reports < >

Need help? If you have questions about Fraud Protection Services, please call the appropriate Customer Service Center:

• Chase Connect: 1-877-226-0071 (government entities and not-for-profit organizations call 1-855-893-2223). Our representatives are available to help you Monday through Friday, from 8 a.m. to 8 p.m. ET.

• Chase for Business: 1-877-242-7372 x 3 x 2. Our representatives are available anytime.

Copyright © 2019 JPMorgan Chase & Co. All rights reserved. 39 Chase, J.P. Morgan and JPMorgan Chase are marketing names for certain businesses of JPMorgan Chase & Co. and its subsidiaries worldwide (collectively, “JPMC”, if and as used herein may include, as applicable, employees or officers of any or all of such entities irrespective of the marketing name used). Products and services may be provided by commercial bank affiliates, securities affiliates or other JPMC affiliates or entities. Products and services described herein are offered by JPMC or its affiliates subject to applicable laws and regulations and service terms. Not all products and services are available in all geographic areas. Eligibility for particular products and services is subject to final determination by JPMC or its affiliates.

Chase Connect® is a registered trademark of JPMorgan Chase Bank, N.A. JPMorgan Chase Bank, N.A. is a wholly-owned subsidiary of JPMorgan Chase & Co.