Commercial Cash Management ACH Manager User Guide

ACH Manager User Guide

Table of Contents Introduction ...... 3 Processing Schedule ...... 3 Daily Processing ...... 3 Holiday Processing...... 3 ACH Terms & Definitions ...... 4 Standard Entry Class (SEC) Codes ...... 4 ACH Participants ...... 4 Creating New ACH Transfers ...... 5 PPD - Prearranged Payment or Deposit / Payroll / Health Savings Account Entry ...... 7 CCD - Corporate Credit or Debit / Vendor Payment / Remittance / Child Support Payment Entry ...... 8 CCD (TXP) – Federal Tax Payment ...... 9 CCD (TXP) – State/Local Tax Payment ...... 10 CTX - Corporate Trade Exchange Entry ...... 11 Special Features: Display Details, Holds, Undo ...... 12 Display/Hide Details ...... 12 Single or Multiple Batch Processing ...... 12 Undo ...... 13 Importing ACH Transfers ...... 13 Creating File & Batch Header Records in ACH Software ...... 13 Importing Prenotifications (Prenotes) ...... 14 Importing NACHA-Formatted Files ...... 14 Importing Using Templates (non-NACHA Formatted Files) ...... 15 Inquiring into ACH Transfers ...... 16 Reports, Sorting, & Filtering ...... 17 Column Sorting ...... 18 Column Filtering ...... 19 View / Print / Export Reports for Individual ACH Transfers ...... 19 Changing ACH Transfers ...... 20 Reviewing ACH Transfers ...... 22 Resubmitting ACH Returned Items ...... 22 Reversing ACH Transfers ...... 23 Deleting ACH Transfers ...... 23 Notification Emails...... 23 Tax Type Conversion Codes ...... 24

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Introduction ACH Manager allows businesses to originate ACH transactions when and where you want, safely and quickly. This user guide explains how to use ACH Manager to submit electronic payments and deposits.

Processing Schedule Daily Processing

Credit Entries Next Day ACH Should be transmitted no later than 2 p.m. at least two banking days* before the Effective Date** of the Entries.

• Can be transmitted no later than 10 a.m. one banking day before the Effective Date of the Entries.

Same Day ACH*** Must be transmitted no later than 10 a.m. on the Effective Date** of the Entries.

Debit Entries Next Day ACH Should be transmitted no later than 2 p.m. at least two banking days* before the Effective Date** of the Entries.

• Can be transmitted no later than 2 p.m. one banking day before the Effective Date of the Entries.

Same Day ACH*** Must be transmitted no later than 10 a.m. on the Effective (available on or after Date** of the Entries. Sept. 15, 2017)

*Banking day is defined as a day the Bank and Federal Reserve are both open (other than Saturdays, Sundays, or Federal holidays). **Effective Date must be a banking day, or the file will be processed on the first banking day after the effective date. ***Same Day ACH refers to entries initiated by the Customer with an Effective Date of the current date, which are submitted to the Bank per the processing deadlines above for Same Day Settlement. Same Day Entry Fees will apply to said Entries as noted in the Bank’s fee schedule. Any ACH Entries received by the Bank containing stale-dated or incorrect/invalid Effective Entry Dates will be processed as Same Day ACH Entries.

Holiday Processing ACH file processing is available Monday through Friday when the Bank and Federal Reserve are both open. ACH file processing is not available on Saturdays, Sundays or the following Federal holidays:

• New Year’s Day • Labor Day • Martin Luther King Jr. Day • Columbus Day^ • Presidents’ Day^ • Veteran’s Day • Memorial Day • Thanksgiving Day • Independence Day • Christmas Day

^Bank is open for business, however the Federal Reserve is closed so ACH processing is not available.

The bank is normally open on Christmas Eve until 1 p.m., so files submitted on that day must be submitted by 10 a.m. Holiday details are subject to change and are communicated to customers within Business Online Banking and via email.

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ACH Terms & Definitions Standard Entry Class (SEC) Codes Several types of ACH transactions can be initiated. The four ACH Standard Entry Class (SEC) codes are: 1. Prearranged Payment or Deposit Entries (PPD) 3. Corporate Credit or Debit + TXP (CCD) Payroll Federal Tax Payment Prearranged Deposit State/Local Tax Payment Prearranged Payment Health Savings Account (HSA)

2. Corporate Credit or Debit (CCD) 4. Corporate Trade Exchange (CTX) Corporate Debit Corporate Credit Vendor Payment Remittance Child Support Payment

ACH Participants There are six participants in ACH transactions, as defined in the ACH Rule Book: Originator Originator is the entity that initiates ACH entries according to an arrangement with a Receiver. The Originator is usually a business directing a transfer of funds to or from an individual’s or another business's account. Receiver Receiver is an individual or business that authorizes an Originator to initiate ACH entries to the Receiver's account. Originating Depository Financial Institution (ODFI) OFDI is the Originator’s bank that receives payment instructions from Originators and forwards ACH entries to the ACH Operator. Receiving Depository Financial Institution (RDFI) RDFI is the Receiver’s bank that receives ACH entries from the ACH Operator and posts them to the accounts of its depositors (Receivers). Automated Clearing House (ACH) Operator ACH Operator is the central clearing facility, operated by a Federal Reserve Bank (FRB) or a private organization, which receives ACH entries from ODFIs and distributes the entries to appropriate RDFIs. NACHA National Automated Clearing House Association (NACHA) provides operating guidelines for all ACH participants.

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Creating New ACH Transfers 1. Login to Business Banking with your Access ID and token. 2. Select ACH Manager on the Funds Management menu. ACH Manager will open as a new window. 3. Select the appropriate option from the list on the left side of the page: a. New ACH Transfer – to create a new ACH file from scratch, manually entering all information b. New ACH Transfer Using Existing Transfer – to essentially make a copy of an ACH file you previously created, manually updating fields as needed to create a new file 4. If you select: a. New ACH Transfer – next you will select the type of ACH transfer you are completing from the drop-down and click Submit. b. New ACH Transfer Using Existing Transfer – next you will enter information about the processed transfer (Transfer Description, Date Range, Amount Range, ACH Type) into the right side of the page, click Submit and click on the appropriate file name that appears in the ACH List. 5. Complete the required information on the ACH transfer screen. For details on each field, refer to the appropriate section based on the type of file you’re creating: • PPD – Prearranged Payment or • CCD (TXP) – Federal Tax Payment Deposit / Payroll / Health Savings • CCD (TXP) – State Tax Payment Account • CTX – Corporate Trade Exchange • CCD – Corporate Credit or Debit / Vendor Payment, Remittance, Child Support Payment 6. When finished entering the transfer information, click Save or Process: a. Save will store your transfer as a pending transaction you can modify later. A Confirmation Screen displays a summary of the transfer with a Reference Number. Click Done.

b. Process will submit the transfer to the bank for processing. Continue following the steps below. 7. After clicking Process, when prompted by a Security Challenge, enter the One-Time Password from your token and click Submit.

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8. Watch for a processing screen. a. If the file requires additional customer or bank review, you will see a Warning Message.

b. If the file is unable to process due to an error or missing information in the file, a red Error Message will appear (reasons may vary; read your message to determine the nature of issue).

c. If the system flags a file as a duplicate, a warning message displays with information about each suspected duplicate file. Click on Cancel or Done to stop the file from processing, or click on Process so the file can continue processing.

9. Once the file successfully processes, click Done.

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PPD - Prearranged Payment or Deposit / Payroll / Health Savings Account Entry

A PPD is a credit or debit transaction for transferring funds into consumer accounts for payroll, memberships, tuition, etc. Complete the following fields: • Description – Enter a description of this ACH file, which will appear on the Receiver’s account statement after your Company’s name (i.e. ABC Company Payroll for May 3). • Effective Date – Enter the date the entry should post to the Receiver’s account. • Same Day – Check the box if you want the transfer to post the day you process it. (Same Day ACH is subject to deadlines and higher per item fees; also individual transactions cannot exceed $25,000.00.) • Recurring Frequency – To repeat daily, weekly, or monthly, choose an option from the drop-down. • Recurring End Date – For recurring transfers, choose the final date for the transfer to recur. • Transfer From

o Prearranged Payment – Enter the Receiver’s Name, Identification Number if appropriate, Account Number, Type of Account (checking, savings), Routing Transit (RT) number, and Amount. Columns can be sorted by clicking on the column name. Click on Description to display an optional field you can include, like the memo line on a check. Info in the Description field will appear on Receivers’ bank statements.

o Prearranged Deposit/Payroll – Use the drop-down to select your debit account and the Amount. Click on Description to display an optional field you can include, like the memo line on a check. Info in the Description field will appear on Recipients’/Employees’ bank statements. . Health Savings Account – Choose an option in the Contribution Type drop-down. • Transfer To

o Prearranged Payment – Use the drop-down to select your debit account and the Amount. Click on Description to display an optional field you can include, like the memo line on a check. Info in the Description field will appear on Recipients’ bank statements.

o Prearranged Deposit/Payroll – Enter the Receiver or Employee’s Name, Identification Number if appropriate, Account Number, Type of Account (checking, savings), Routing Transit (RT) number, and Amount. Columns can be sorted by clicking on the column name. Click on Description to display an optional field you can include, like the memo line on a check. Info in the Description field will appear on Recipients’/Employees’ bank statements.

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CCD - Corporate Credit or Debit / Vendor Payment / Remittance / Child Support Payment Entry

A CCD is a credit or debit transaction for transferring funds to or from business accounts for vendor payments, remittances, child support payments, etc. Complete the following fields: • Description – Enter a description of this ACH file, which will appear on the Receiver’s account statement after your Company’s name (i.e. ABC Company Remittance 1057). • Effective Date – Enter the date the entry should post to the Receiver’s account. • Same Day – Check the box if you want the transfer to post the day you process it. (Same Day ACH is subject to deadlines and higher per item fees; also individual transactions cannot exceed $25,000.00.) • Recurring Frequency – To repeat daily, weekly, or monthly, choose an option from the drop-down. • Recurring End Date – For recurring transfers, choose the final date for the transfer to recur. • Transfer From o Corporate Credit – Use the drop-down to select your debit account and the Amount. Click on Description to display an optional field you can include, like the memo line on a check. Info in the Description field will appear on Receivers’ bank statements. o Corporate Debit - Enter the Receiver’s Name, Identification Number if appropriate, Account Number, Type of Account (checking, savings), Routing Transit (RT) number, and Amount. Sort columns by clicking on the column name. Click on Description to display an optional field you can include, like the memo line on a check. Info in the Description will appear on Receivers’ bank statements. • Transfer To o Corporate Credit – Enter the Receiver’s Name, Identification Number if appropriate, Account Number, Type of Account (checking, savings), Routing Transit (RT) number, and Amount. Sort columns by clicking on the column name. Click on Description to display an optional field, like the memo line on a check. Info in the Description will appear on Receivers’ bank statements. . Child Support - Enter any of the information that applies: Case Identifier, Pay Date, Pay Amount, Non-Custodial Parent SSN, Medical Support Indicator, Non-Custodial Parent Last Name, Non-Custodial Parent First Name, FIPS Code, and Employment Termination Indicator. o Corporate Debit – Use the drop-down to select your debit account and the Amount. Click on Description to display an optional field you can include, like the memo line on a check. Info in the Description will appear on Recipients’ bank statements.

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CCD (TXP) – Federal Tax Payment

CCD (TXP) transfers are used to make federal tax payments. Taxes are required by the Secretary of the Treasury to be deposited with an authorized financial institution or the Federal Reserve Bank. Complete the following fields: • Description – Enter a description of this ACH file, which will appear on the Receiver’s account statement after your Company’s name. • Effective Date – Enter the date the entry should post to the Receiver’s account. • From Account – Use the drop-down to select your debit account. • Recurring Frequency – If this transfer should repeat daily, weekly, or monthly, choose an option from the drop-down. • Transfer End Date – For recurring transfers, choose the final date for the transfer to recur. • Name – Enter the name of the Taxpayer. • Taxpayer ID – Enter the Tax ID number of the Company making the tax payment. • Tax Period End Date – Enter the Tax Period End Date for this payment. • Tax Description/Tax Type Code – Select the description of the tax file from the drop-down. • Tax Amount 1 – Amount to be sent. (If sub-categories are used, enter Type 2 & 3 – unused fields may be deleted by clicking the “X” next to the row) • Amount Type – This field will auto fill with the Tax Description Number. (If sub-categories are used, enter Type 2 & 3 – unused fields may be deleted by clicking the “X” next to the row). • Amount Type Description – Tax description. (If sub-categories are used, enter Type 2 & 3. Unused fields may be deleted by clicking the “X” next to the row.)

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CCD (TXP) – State/Local Tax Payment

CCD (TXP) transfers are used to make state and local tax payments. Complete the following fields: • Description – Enter a description of this ACH file, which will appear on the Receiver’s account statement after your Company’s name (e.g. Sales Tax). • Effective Date – Enter the date the entry should post to the Receiver’s account. • From Account – Use the drop-down to select your debit account. • Same Day – Check the box if you want the transfer to post the day you process it. (Same Day ACH is subject to deadlines and higher per item fees; also individual transactions cannot exceed $25,000.00.) • Recurring Frequency – If this transfer should repeat daily, weekly, or monthly, choose an option from the drop-down. • Transfer End Date – For recurring transfers, choose the final date for the transfer to recur. • State – Select the state from the drop-down. • Tax Description – Select the description of the tax file from the drop-down. • Name – Enter the Receiver’s name. • Taxpayer ID – Enter the Tax ID number of the Company making the tax payment. • Tax Period End Date – Enter the Tax Period End Date for this payment. • Taxpayer Verification – The ACH Credit Registration Number of the taxpayer. • Tax Agency Account – The account number for the tax agency; this auto fills, but can be manually changed. • Tax Agency RT – The routing number for the tax agency; this auto fills, but can be manually changed. • Tax Amount 1 – Total tax to be sent to the agency.

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CTX - Corporate Trade Exchange Entry

CTX transactions are used to transfer funds (debits or credits) between trading partners. Complete the following fields: • Description – Enter a description of this ACH file, which will appear on the Receiver’s account statement after your Company’s name (i.e. ABC Company Main Street Project --- ‘ABC Company’ is the Company name, ‘Main Street Project’ is the Description). • Effective Date – Enter the date the entry should post to the Receiver’s account. • Same Day – Check the box if you want the transfer to post the day you process it. (Same Day ACH is subject to deadlines and higher per item fees; also individual transactions cannot exceed $25,000.00.) • Same Day – Check the box if you want the transfer to occur the day you process it. Same Day ACH is subject to special pricing. Transfers cannot exceed $25,000. • Recurring Frequency – If this transfer should repeat daily, weekly, or monthly, choose an option from the drop-down. • Transfer End Date – For recurring transfers, choose the final date for the transfer to recur. • Transfer From – Use the drop-down to select your debit account and the Amount. Click on Description to display an optional field you can include, which is like the memo line on a check. Information in the Description field will appear on Receivers’ bank statements. • Transfer To – Enter the Receiver’s Name, Identification Number if appropriate, Account Number, Type of Account (checking, savings), Routing Transit (RT) number, and Amount. Columns can be sorted by clicking on the column name. Click on Description to display an optional field you can include, like the memo line on a check. For CTX transfers, you can add up to 9,999 Descriptions for each entry. Info in the Description will appear on Receivers’ bank statements.

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Special Features: Display Details, Holds, Undo When entering ACH Transfers into ACH Manager, there are several features available on every file entry screen.

Display/Hide Details The Display/Hide link is located just below Transfer Type. When clicking on Display Details, you’ll notice a few optional fields appear in the Transfer From and Transfer To sections, like Identification and Discretionary Data. The link name also changes to Hide Details. When clicking on Hide Details, those optional fields will be hidden from view. You can choose whether you Display or Hide the optional fields. If you don’t use them, you may as well keep them hidden.

Single or Multiple Batch Processing When the Hold box is selected beside an entry, the entry will not be processed with the rest of the file. This allows you to exclude a specific transaction from a transfer without deleting it from the file. You can also click on Hold Batch to hold all entries in a batch, even if they are on multiple pages. Remove the hold by clicking Unhold Batch. If a template transfer is put on hold, the review process is automatically initiated, ensuring a notification email is sent to the authorized administrator to approve the hold. Use the Select All link to automatically select/un-select Hold boxes beside every entry on the screen. If you have more entries that extend onto multiple screens, you must click Select All on every page individually.

The dollar amount is Click on the Hold excluded from your Batch or Unhold file totals Batch links for multiple entries

Select the check box to place a single transaction on hold

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Undo If you delete an entry from an ACH Transfer, the information remains visible but appears with strikethrough and an “undo” icon appears at the far-right. To restore the deleted entry, click on undo and the information will be un-deleted.

Importing ACH Transfers Many accounting programs will let you export payroll or other ACH files, which can then be imported into ACH Manager for processing. The method for importing files varies based on the type of file your software generates: • If your files are NACHA-formatted files, they can be imported directly into ACH Manager. • If your files are not NACHA-formatted files – this typically means the file is a CSV or Excel format – you must import using a template. Templates essentially ‘translate’ non-NACHA files into a NACHA format that can be understood by ACH Manager.

Creating File & Batch Header Records in ACH Software If your ACH software asks you to create your File and Batch Header Records, use the information below: FILE HEADER RECORD (1 record) Example Definition Immediate Destination TR 044101305 Typically your bank’s routing and transit number Immediate Destination Name Bank Name (i.e. Park ACH Operator or Receiving Point for which the file National Bank) is destined Immediate Origin TR 044102362 Typically your bank’s routing and transit number Immediate Origin Name Bank Name (i.e. Park ACH Operator or Sending Point National Bank) BATCH HEADER RECORD (5 record) Company Short Name (16 characters) Company Name (16 characters) Company Discretionary Data Field available for company use Company Identification Employer Identification Number Originating DFI Identification 04410130 Your bank’s routing and transit number (first 8- digits only) Default Entry Description Transaction Type. Will appear on recipient’s account statement OFFSET-BALANCED YES Offset Transit Routing 044101305 Bank’s routing number Offset Account Number Company account number to charge for file Offset Description What will appear on the company bank statement

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Importing Prenotifications (Prenotes) If you want to import an entire file of Prenotes: 1. Import the file with the appropriate prenote transactions codes (23 – checking credit, 28 – checking debit, 33 – savings credit, 38 – savings debit). 2. Do not re-use that file after it has been imported and processed. • If you attempt to create a new ACH file using an existing imported prenote file, your new file will automatically generate prenotes again – even if you remove the prenote transaction codes. 3. To submit your first live entry file, import a whole new file with the appropriate transaction codes (22 – checking credit, 27 – checking debit, 32 – savings credit, 37 – savings debit).

Importing NACHA-Formatted Files To submit ACH files from your own software that are already NACHA-formatted: 1. Under Import ACH Transfer, select NACHA from the Criteria menu and click Submit. 2. Browse to the ACH file you exported from your software. Click Next. 3. Select the effective date and click Next. 4. Review the summary of the imported ACH transfer. 5. If needed, click Back to return to the File Selection screen. 6. Click Finish to see an Import Confirmation screen. 7. You can review the transfer created by the file import or you can Process the transaction.

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Importing Using Templates (non-NACHA Formatted Files) ACH files that aren’t NACHA-formatted files (i.e. CSV, Excel) can be imported and processed using a Template. Creating New Templates A separate template must be created for each ACH Standard Entry Class (SEC) code. 1. Under Import ACH Transfer, select Non NACHA from the Criteria menu and click Submit. 2. Browse to select the non-NACHA-formatted file you want to import. 3. In the Template drop-down, choose Import Using New Template. Click Next. 4. Select the ACH Transfer Type, Transfer Description, Number of Header Rows to Exclude, Number of Footer Rows to Exclude, Insert Decimal into Amounts, and File Type. Click Next.

5. Select the Layout Preview and Column titles, apply any Additional Values to File. Select an Offset Account Option and Effective Date Option. Click Next.

6. Verify displayed information is correct and select Next.

7. Complete the Import process. A Confirmation Screen will appear successfully.

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Using Templates to Import ACH Files To import an ACH File using a New Template: 1. Under Import ACH Transfer, select Non NACHA from the Criteria menu and click Submit. 2. On the Step 1 – File Selection screen, browse to select the non-NACHA-formatted file you want to import. 3. In the Template drop-down, choose Import Using New Template. Click Next. 4. On the Step 2 - Data Mapping screen, enter the Effective Date. Click Next. 5. On the Step 3 – Import screen, click Finish. 6. The Import Confirmation box displays. Look for the “Following File was successfully imported” message at the top of the screen, then click Process. 7. Enter your token one-time password on the Security Challenge screen, then click Submit.

Inquiring into ACH Transfers To see details about previous transactions, use the Inquire ACH Transfer option on the Select External Transfer Criteria menu. 1. Enter information about the transfer, such as the Transfer Description or a Date Range, click Submit. 2. The search results appear at the bottom of the screen in the ACH List section, which shows each file: • Transfer Description – The file name, which you can click on to view details of the transfer. • Transfer Date – The effective date, or date the file should post/settle. • Debit Amount – The total dollar amount of debits in the file. • Credit Amount – The total dollar amount of credits in the file. • Transfer Status – The current status of the file:

Transfer Status What It Means Saved The file has been created, but not processed. The file has been sent by the bank to the Federal Reserve for processing, so you may no Processed longer change or delete the file. Pending The file has been successfully submitted to the bank, and the bank will hold it until the Origination appropriate processing day. You may still change or delete the file. The file is a repeating transfer that is being held by the bank until the appropriate processing Recurring Entry day. You may still change or delete the file. The file was previously in Pending Origination status, then was changed by a User at your User Suspended company and wasn’t re-submitted to be processed. This file will not process until the User goes back into the file and clicks on Process. The file was previously in Pending Origination status, then was deleted by a User at your User Deleted company. This file will not process, but will remain visible to you for reference. Partial The file has more than one batch and at least one of the batches has been sent to the Federal Origination Reserve for processing, so you may no longer change or delete any batch within the file.

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Transfer Exceeds The file has been submitted, but still requires additional review based on your company’s Review: Pending review thresholds, or the number of files submitted. This file will not process until it has been Approval approved by the appropriate individual. Resubmit The file was not submitted to the bank and will not process. The User must go to the Change Required: System ACH Transfer List, go back into the file, and click on Process again. was Unavailable File Not The file was not submitted to the bank and will not process. The User must go to the Change Originated ACH Transfer List, go back into the file, and click on Process again. Transfer The file was not submitted to the bank and will not process. The User should call the bank to Processing have the file processed.

• Details – Includes the type of file, the person who submitted the file, the item count and r number. 3. On the right-side of the screen, you’ll see three icons to view reports, sort or filter the list. Refer to the next section for details on using these options.

4. You can also click on any of the column headings to sort the list alphabetically or in date order (i.e. click on column heading “Transfer Date” to re-order the list of files with the earliest date at the top, then click it again to reverse the order and show the most recent date at the top).

Reports, Sorting, & Filtering After inquiring for ACH files, you can view reports of the ACH transfers in your search results, printing or exporting as PDF (Portable Document Format) or as CSV (Comma Separated Value) formatted files. 1. After using the Inquire ACH Transfer option, click the View Report icon.

2. An Export ACH List will appear, with a checkbox beside each transfer.

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3. Check the box beside individual transfers, or click Select All, to choose the transfers you want to export or print. • If you have multiple pages of files, Select All will only select those files on the current page. To select all files on multiple pages, you must click Select All on each individual page.

4. Use the drop-down at the bottom of the screen to choose the format of the information: • Transfer List – Gives the same information that appears on the screen above. • Batch List – Gives the same information that appears on the screen above, plus it includes a Batch Number. • All Transactions – Gives all transactions within each of the files on the screen above, including each Recipient’s Name and Account Number. 5. Click Print or Export: • After clicking Print, you’ll be asked to Open or Save a PDF document. Choose either option, then you can print the document. • After clicking Export, you’ll be asked to Open or Save a CSV file. Choose either option. Most CSV files will automatically open in Excel. 6. On the Export ACH List screen, click Cancel to return to the ACH List screen.

On the ACH List screen, you can also sort or filter your search results:

Column Sorting

1. Click the Sort icon. 2. Use the Sort By drop-downs to choose how to sort your list (by Transfer Description, Transfer Date, etc.):

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Column Filtering

1. Click the Filter icon. 2. Complete the fields you want to filter by (to see only a particular Transfer Date, Debit Amount, Transfer Status, etc.):

View / Print / Export Reports for Individual ACH Transfers You can also view, print and export reports when inquiring into individual ACH transfers. 1. After using the Inquire ACH Transfer option, click on an individual Transfer Description.

2. The file will open, with buttons at the bottom: Print, Export, Next (only if the file was submitted in the past 5 business days and is still eligible to be reversed) and Cancel.

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• Click Print to open or save the file as a PDF. • Click Export to open or save the file as a CSV file (most CSV files will automatically open in Excel).

Changing ACH Transfers Specific detail of pending transfers may be changed at any time prior to final execution of the transfer. 1. Select Change ACH Transfer option and provide any specific information about the pending transfer you want to change. 2. Select the transfer you want to change from the pending list. Only transfers with a status of Saved, Pending Origination, Recurring Entry, or User Suspended can be changed. 3. Transfers with a status of Pending Origination or Recurring Entry will display a warning that the original transfer will be deleted and will not process if the user continues on with the change. The transfer must be resubmitted for it to process.

4. The pending transfer will open in an editing screen. You can change the Description, Recurring Frequency, Dates, Accounts and Transfer To details. Depending on the transfer status, some fields may not be available to change. 5. When the pending transfer information is correct, Save or Process the transaction. a. Saving your transaction stores the transfer as a pending transaction allowing you to make modification at a later time. A Confirmation screen displays a summary of your ACH transfer.

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b. Selecting Process activates the ACH transfer prompting a Security Challenge that will require a One Time Password.

6. A processing screen displays the progress of validation checks. a. If the file requires additional Client or Bank review a yellow Warning Message will appear.

b. If the file is unable to process due to an error or missing information in the file, a red Error Message will appear.

7. Once the file has been successfully processed, click done.

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Reviewing ACH Transfers Some ACH Transfers require additional Client Review. Users set up with this review option will be able to review and submit transfers to the bank for processing. 1. Select Review ACH Transfer from the Criteria menu and click Submit. 2. Review any ACH Transfers listed. Select Approve or Disapprove from the drop-down and click Save.

3. Approved files will be sent to the Bank for processing. Disapproved files will not be processed.

Resubmitting ACH Returned Items ACH entries may be returned to the Originator for various reasons, such as NSF, invalid account number, etc. The bank will contact the ACH Originator if a return is received, explaining the reason and any options available to resolve. The bank will also credit or debit the Originator’s account for the returned entry, at which time the Originator may choose to resubmit the ACH entry. NOTE: The Company name, Company ID and amount used for the original entry must be identical in the resubmitted file.

Originators have two ways to resubmit returned ACH items: using the original file or creating a new file.

To use the original file: 1. In ACH Manager, select New ACH Transfer Using Existing Transfer. 2. Click on the ACH file that included the returned item. 3. When the file opens: A. Change the Description to “RETRY PYMT” B. Change the “offset” debit or credit amount to match the item being resubmitted C. Locate the original entry that was returned and change the appropriate information (if needed) D. Place holds on all other entries in the file so they aren’t submitted again. 4. When finished, click Process.

To use a new file: 1. In ACH Manager, select New ACH Transfer. 2. Choose the ACH Type (the same as the original file). 3. Enter the Description as “RETRY PYMT”. 4. Enter the “offset” debit or credit amount to match the item being resubmitted. 5. Enter detail about the entry that was returned and change the appropriate information (if needed). 6. When finished, click Process.

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Reversing ACH Transfers An ACH transfer may only be reversed within five banking days of the effective date of the original file. 1. To reverse a processed transaction, select Reverse ACH Transfer and provide any specific information about the transaction you want to reverse. 2. From the list, find the processed transaction you want to reverse and click on the Transfer Description. 3. Review the details of the transfer to ensure you have selected the correct transaction. 4. Select the transaction(s) that you want to reverse by checking the box beside each entry (or click the “select all” option to reverse all transactions in the file) and click Next. 5. Enter the total dollar amount being reversed in the offsetting entry amount field and click Process. 6. Selecting Process activates the ACH transfer prompting a Security Challenge that will require a One Time Password. 7. The reversal of the transaction will be confirmed. Click Done and the reversal process is complete.

Deleting ACH Transfers 1. To delete a scheduled transaction select Delete ACH Transfer. And provide any specific information about the transaction you want to delete. 2. From the list find the pending transfer you want to delete and click on the Transfer Description. Only transfers with a status of Saved, Pending Origination, Recurring Entry, or User Suspended can be deleted. 3. Review the Details of the transfer to ensure you have selected the correct transaction then click Next. 4. If this is a recurring transfer you can choose to delete only the Next Transfer or you can Delete All Transfers that are scheduled in the future. Choose the appropriate option and Finish. 5. The deletion of the transfer will be Confirmed. Click Done and the scheduled transfer is deleted completely.

Notification Emails ACH emails may be received if an ACH Transfer has exceeded the ACH Limit Check or is pending Bank approval. Contact your Bank’s Commercial Cash Management department for instructions on handling these emails.

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Tax Type Conversion Codes Tax Tax Definition Valid Months Type Type Code 720 Quarterly Excise Tax 72005 Mar, June, Federal Tax Deposit 72007 Sept, Dec Payment due on a return, or an IRS Notice IRS Numbers for Tax Type 720 and 720M (See Pages 33-35) 940 Employer’s Annual Unemployment Tax Return 09405 December Federal Tax Deposit 09407 Payment due on a return or and IRS notice 09404 A deficiency assessed by the IRS 941 Employer’s Quarterly Tax Return 94105 Mar, June Federal Tax Deposit 94107 Sept, Dec Payment due on a return or an IRS notice 94104 A deficiency assessed by the IRS 941 Subcategory breakdown for 941 Social Security = “1” Medicare = “2” Withheld = “3” 945 Withheld Federal Income Tax 09455 December Federal Tax Deposit 09457 Payment due on a return or an IRS notice 1041 Fiduciary Income Tax Return 10417 Jan – Dec Payment due on a return or an IRS notice 10416 (FY – Month) An estimated payment 10412 Payment on an extension 1042 Annual Withholding Tax for Income of Foreign persons 10425 December Federal Tax Deposit 10427 Payment due on a return or an IRS notice 1120 U.S. Corporation Income Tax 11206 Jan – Dec Federal Tax Deposit 11207 (FY – Month) Payment due on a return or IRS notice 11202 Payment due for an extension 11200 Amended Return (1120X) Note: IRS Numbers are subject to change at any time based on legislation. Contact the IRS for an updated version of the above table.

IRS Numbers for Tax Type 720 and 720M Number Description Superfund Trust Fund 53 Domestic petroleum superfund tax 16 Imported petroleum products superfund tax 54 Chemicals 17 Imported chemical substance Black Lung Disease Trust Fund 36 Coal – Underground mined @ 50/$1.10 per ton 37 Coal – Underground mined @ 2/4%4/4% limitation of ton price 38 Coal – Surface mined @ 50/$1.10 per ton 39 Coal – Surface mined @ 2/4%4.4% limitation of ton price Inland Warranty Trust Fund 64 Inland waterways fuel use tax Superfund Trust Fund 81 DPT vaccine 82 DT vaccine 83 MMR vaccine 84 Polio vaccine 89 Vaccine Numbers 81-84 floor stock, 8-08-93 97 Vaccines Highway Trust Fund 33 Truck, trailer and semi-trailer chassis and bodies, and tractors 58 Gasoline sold for gasohol production containing at least 10% alcohol 59 Gasohol containing at least 10% alcohol 60 Diesel fuel 61 Liquefied Petroleum Gas (LPG) 62 (a) Gasoline, tax on removal at terminal rack (b) Gasoline, tax on taxable events other than removal at terminal rack 66 Highway type tires

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Number Description 73 Gasoline sold for gasohol production containing at least 7.7% alcohol but less than 10% alcohol Gasoline sold for gasohol production containing at least 5.7% alcohol but less than 7.7% alcohol 74 Gasohol containing at least 7.7% - 9.9% alcohol Gasohol containing at least 5.7% - 7.6% alcohol 75 Diesel fuel for use in certain intercity buses 76 Other Special Fuels 78 Compressed natural gas (tax rate per thousand cubic feet) HTF Floor Stock 65 Gasoline floor stock 67 Gasohol floor stock 70 Diesel floor stock 72 Gas to make gasohol floor stock 85 Diesel floor stock 86 Other alcohol fuels floor stock 88 Diesel fuel, based on January 1, 1994 inventory floor stock 103 Kerosene (Floor Stock) effective July 1, 1998 Ozone Depleting Chemicals Taxes 19 Imported products containing ODCs 20 Ozone-depleting chemicals (floor stocks) 98 Ozone-depleting chemicals (ODCs) Airport and Airways Trust Funds 14 Gasoline for use in noncommercial aviation 26 Transportation of person by air 27 Use of international air travel facilities 28 Transportation of property by air 69 Aviation fuel (other than gasoline) 77 LUST tax on aviation fuel (other than gasoline) Aquatic Resources Trust Fund 41 Sport fishing equipment 42 Electric outboard motors and sonar devices Earmarked Funds 44 Bows 102 Arrow-Component Parts Non-Trust Funds 22 Toll telephone service, teletype-writer exchange service, and local telephone service 29 Transportation by water 30 Life insurance, sickness and accident policies, and annuity contracts 31 Obligations not in registered form 35 Kerosene effective July 1, 1998 40 Gas guzzler tax 51 Alcohol sold but not used as fuel 71 Diesel fuel for use in trains 87 Aviation fuel (other than gasoline) floor stock 92 Passenger vehicles 95 Aviation Fuel (other than gasoline) floor stock, 8-08-97 96 Aviation Gasoline (Floor Stock) Transferred to ATF, Expired or Repealed 18 Oil spill – imported (repealed) 21 Oil spill – domestic (repealed) Note: IRS Numbers are subject to change at any time based on legislation. Contact the IRS for an updated version of the above table.

IRS Numbers for Tax Type 941 Number Description Transferred to ATF, Expired or Repealed 941 (TXP04, 06, 08) Subcategory Breakdown for 941: Social Security = “1” Medicare = “2” Withheld = “3”

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