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User Guide Data Transmissions Table of Contents

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User Guide Data Transmissions Table of Contents User Guide Data Transmissions Table of Contents Overview 2 Automated Clearing House Technical Contact Information 2 (ACH) 17 Ongoing Support 2 Direct Channels (BBVA e-Transmit or File Transfer Services) 17 Deadlines 2 BBVA Net Cash USA 17 Holidays 3 Pass-Thru 17 Electronic Report Delivery (ERD) 18 Data Exchange Channels 3 NACHA File Format Origination 18 BBVA Net Cash USA 4 NACHA File Format - Returns BBVA Global Net Cash 5 and Notifications of Change (NOC) 33 Direct Channels 5 Same Day ACH Origination 40 File Transfer Services 5 BBVA e-Transmit® 7 Bank Statements (DDA) 41 Account Analysis 8 Balance and Transaction 822 EDI Format 8 Reporting 42 Electronic Report Delivery (ERD) 9 Formats Available on BBVA Net Cash USA 42 Custom Format Account Reconciliation (ARP) or Automated Download 42 and Positive Pay 10 Positive Pay Issue Files 10 BBVA e-Lockbox 43 CSV Format (BBVA Net Cash USA) 10 Payment Exchange Super Fixed Width Format Format Layout 43 (BBVA Net Cash USA) 11 Using SecurePay Software 11 Controlled Disbursement 44 Bank Standard Format 13 BAI Codes 44 BBVA e-Transmit and BBVA Net Cash USA Reporting 44 File Transfer Services 13 Direct Channels Reporting 44 ARP Reports 14 ARP Output Files 15 TM-01-4003B rev. 06/19 Electronic Bill Presentment Lockbox 89 and Payment (EBPP) 44 LRA CD or DVD 89 Extended Standard A/R Image File & Quick Print 89 File Format Specifications 44 BBVA Net Cash USA Reporting 89 File Layout Definition 45 Accounts Receivable Invoice Matching 89 File Header Record Layout 45 Custom Format 90 Batch Header Record Layout 45 Stop/Accept File Processing Payment Detail Record Layout 45 Specifications 90 Payment Addenda Record Layout 47 Received ACH Transactions Electronic Data Interchange (NACHA Format) 92 (EDI) 51 Electronic Report Delivery (ERD) 51 Sweep Statements 93 NACHA Format 51 Wire Transfer Reporting 94 Image Cash Letter (ICL) 52 Glossary 100 Integrated Payables 86 Loan Statements 87 TM-01-4003B rev. 06/19 Overview Thank you for choosing BBVA for your Treasury Management services. This guide is not intended to replace product specific user guides, such as the ACH or ARP and positive pay services user guides. It is assumed that this guide will be used by technical specialists who need to know formats and specifications to create files and/ or establish connectivity to download data and images. Technical Contact Information Voice Email BBVA Net Cash USA 1- 866-488-1858 toll-free [email protected] ARP and Positive Pay 1-800-239-1100 ext 6869 [email protected] ACH 1-800-239-1100 ext 1268 [email protected] Ongoing Support Once you have established the connectivity and transmission set up, ongoing product support should be directed to your local Business Relationship Services area. Voice Fax Email Business Relationship Services Alabama and Florida 1-800-607-4444 205-297-6140 [email protected] Arizona, California, Colorado, New Mexico and El Paso, TX 1-800-236-2059 1-866-710-5186 [email protected] South Texas, except El Paso 1-800-570-2791 1-713-993-8551 STexasBRSClientServices.us@BBVAcom North Texas 1-866-876-4922 1-877-527-9736 [email protected] Deadlines All ACH files must be received by BBVA no later than 6:00 p.m. CT at least 1 business day prior to settlement (payment) date. However, to help ensure timely posting by receiving banks, we highly recommend that consumer credit files (e.g. direct deposit files) be submitted to us 2 business days prior to settlement date. We pass ACH files to the Federal Reserve twice during each business day at 11:00 a.m. CT and 6:00 p.m. CT. These times are followed without exception. BBVA cannot “hold” a window open in order to receive your file. For interbank same day ACH please see the “Same Day ACH Origination” on page 39. All positive pay issue files must be received by 10:00 p.m. CT to be posted the same business day. Files received between 10:01 p.m. to midnight will be posted the next business day. Process actually starts at 10:30 p.m. CT. Balance and transaction information reporting files are available by 7:00 a.m. CT each business day. Refer to the controlled disbursement section for availability of files based on disbursement site. Account Analysis Statements are available no later than the 15th calendar day of each month, unless you are on a quarterly or non-standard cutoff. Lockbox file availability depends on the cutoff established during service implementation. ARP output files are available no later than the 5th business day after statement cutoff for partial/paid reconciliation and the 7th business day after statement cutoff for full reconciliation. 2 Holidays BBVA observes all Federal Reserve holidays. Listed below are some important things to keep in mind when establishing an effective date for your ACH files: • Files should not have an effective date that falls on a Federal Reserve holiday. Should you create an ACH file with an effective date on a Federal Reserve holiday, the settlement date will be changed to the next business day. • Files should not be submitted with an effective date that is the same day the file was transmitted. • We can receive your files on federal holidays, but ACH files will not be forwarded to the Federal Reserve Bank for processing until the next business day. • If you require the ACH transactions to settle the day prior to the Federal Reserve holiday, be sure to add an additional day to the file transmission schedule. This will ensure that the receiver of the funds has use of them during the holiday. BBVA is open the business day before and the day after the Thanksgiving and Christmas holidays. Positive pay exceptions are reported on these days. If your office will be closed on these days, consider updating your default disposition online. Decisions are due by 6:00 p.m. CT the next business day after posting. Exceptions are also reported on the mobile app. If no one responds to the positive pay exception notification, we will follow the default instructions on file (in most cases the default instructions is to return the check unpaid). Data Exchange Channels We have two main channels for customers to send and receive treasury management reports and files to/from BBVA. The two channels are: BBVA Net Cash USA and the Direct Channels transmission product family (File Transfer Services or BBVA e-Transmit). Tip: The type and format of the file are the main drivers on which transmission channel will be used. Refer to the individual sections on each type of file or report for more details. Direct Channels File or Report File Transfer Services BBVA e-Transmit BBVA Net Cash USA ACH files and transactions NACHA format NACHA format NACHA format manual input, batch/file input, or Pass thru files; Also export in NACHA and CSV formats ACH return and notification NACHA format NACHA format Electronic Report Delivery (ERD) text format of change Account analysis 822 format 822 format Electronic Report Delivery (ERD) text format Account reconciliation (ARP) Custom format or Custom format or Issue file: comma-delimited (CSV) fixed width/text and positive pay standard Fixed Width standard Fixed Width (TXT) Output file report: custom or standard format format or CSV format or CSV Balance and transaction Custom format Custom format BAI format, comma-delimited (CSV), CS Basic, PDF, reporting BBVA standard Fixed BBVA standard Fixed MT940/942, Webconnect (OFX) to Quicken and Width format Width format Quickbooks Bank (DDA) statement eStatements PDF Not available Electronic Report Delivery ( ERD) text format or Format eStatements in PDF Format Controlled disbursement Custom format Custom format BAI format, comma-delimeted (CSV), CS Basic, PDF, BAI format BAI format MT942 EDI Transactions NACHA format NACHA format Electronic Report Delivery (ERD) Text format Intra-day wire BAI format Not available BAI format, comma-delimited (CSV), CS Basic, PDF, transfer reporting MT942 Loan statements Not available Not available Electronic Report Delivery (ERD) text format 3 Direct Channels File or Report File Transfer Services BBVA e-Transmit BBVA Net Cash USA Loan balances Not available Not available Comma-delimited (CSV), PDF format and transactions Lockbox deposits Image File Custom format (text Comma-Delimited (CSV) only) Received ACH NACHA format Not available Not available Sweeps statements Not available Not available Electronic Report Delivery (ERD) text format BBVA Net Cash USA BBVA Net Cash USA is the online and mobile cash management portal for BBVA where customers can: • Obtain current/same and previous day information (transaction) reporting • Place stop payments as well as initiate account transfers and loan transfers • Perform positive pay activities and submit business decisions to drive future transaction processing • View at a glance RealTime Account Reconciliation status, query customized reports, and access numerous standard output files and reports • Create/send ACH files and transactions • Obtain images of paper credits and debits • Obtain enhanced lockbox reporting • Use wire transfer services • View reports using the Electronic Report Delivery (ERD) module Importing Exporting • ACH batches/files • Balance reporting (Wires, ACH, controlled disbursement, debits, credit, lockbox, etc.) • ACH Pass-through files • Lockbox deposits and remittance information • Positive pay/ARP Issue files • Account reconciliation reports and output files • Wire transfers • Loan balances and transactions • Account transfers • Bank statements in PDF format Electronic Report Services • Account analysis • Commercial loan statement • ACH return items and Notifications of Change • Shareholder (Goldman Sachs Mutual Funds) statement • Bank statement • Safekeeping reports • EDI report The Electronic report service allows customers to view an electronic version of paper/text reports. The reports may be viewed online or printed, but not downloaded in data format.
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