Online Banking for Business

DIRECTCHEQUE USER GUIDE

DirectChequeUser Guide

Contents

Contents ...... i for Business Getting Started ...... 2 Supported browsers ...... 2 Account minimum system requirements ...... 3 DirectCheque...... 3 Product Overview ...... 4 Reconciliation Options...... 4 Performing a Inquiry...... 6 Stop ...... 11 DCH Stop/Remove Stop Results...... 16 DirectCheque Reports ...... 16 Cheque Images Through DCH Stops/Inquiry...... 17 Cheque Image Search...... 21 Cheque Validation Service Overview ...... 25 Exception Notification Email Sample...... 26 Administration...... 27 SecurID ...... 28 Viewing Account Defaults...... 28 Viewing Status of Items ...... 29 Viewing History of Decisions ...... 29 Searching and Deciding ...... 30 Viewing Pending Decisions ...... 30 Viewing Your Decisions...... 31 Viewing all decisions ...... 33 Searching and Approving ...... 34 Viewing Pending Approval...... 35 Viewing your approval ...... 37 Viewing all approvals...... 38 Logout...... 40

For assistance, please call the at 1-800-565-6444 October 2010 i

DirectChequeUser Guide

Getting Started

Welcome to Online Banking for Business, a powerful suite of web-based treasury management tools to help you manage flow easily, effectively and strategically.

A customizable homepage allows you to control and personalize the information that is most important to your business, right up front.

Monitor accounts and transactions in real time. Verify the status of and receivables.

Search and retrieve cheque images at your convenience. Make electronic payments and transfer funds between accounts in seconds, all via the Internet.

Like turning on the ignition in your car, simply login and you’ll access all of your treasury management services, including Canada, US, UK, Euro services, wholesale lockbox, cheque images, lockbox imaging, electronic funds transfer, and foreign exchange.

This user guide is also available as an online help system. To open the help system from within Online Banking for Business, click the Help link from any page or the help icon on any section title bar.

Note about user access: Depending on your job, you may not be able to view all pages, or all functions in a page, or perform all the tasks outlined in this guide.

Technical Requirements

The following browsers and system requirements are recommended for the best performance:

SUPPORTED BROWSERS

Internet Explorer 6, 7, 8

For assistance, please call the Help Desk at 1-800-565-6444 October 2010 2

DirectChequeUser Guide

ACCOUNT MINIMUM SYSTEM REQUIREMENTS

486/66-Mhz processor or higher (Pentium® III Processor recommended) with a Windows® based Operating system (Windows Me, NT® 4.0 with SP6a and higher, 2000, or XP).

Contact Us

Online Banking for Business Help desk can be reached at:

(416) 867-4818 (Local GTA) 1-800-565-6444 (North America)

Our hours of service are 7:30 a.m. - 7:00 p.m. EST Monday to Friday.

DirectCheque DirectCheque (DCH) is a fully automated cheque processing and reconciliation service designed for high volume cheque issuers. DirectCheque service provides the capability to:  Inquire on the status of a DirectCheque item  Place a stop payment on a DirectCheque item  Remove a stop payment on a DirectCheque item  View or download an image of a DirectCheque item  Make pay/no pay decisions, according to your service option (see Cheque Validation)r

For assistance, please call the Help Desk at 1-800-565-6444 October 2010 3

DirectChequeUser Guide

Product Overview DCH provides a combination of fully automated cheque processing and the more conventional account reconciliation options. Your company issues special DirectCheque , which look like regular cheques, except that they contain a unique transit, account and cheque serial number in the MICR (Magnetic Ink Character Recognition) encoding field. Rather than being processed through your main of account, your cheques are automatically processed through the ’s Automated Reconciliation System. Reconciliation Options Partial and Full reconciliation options are available with DirectCheque.

Partial Reconciliation

Plan 1 – Paid Cheque Listing (on ) with sorted cheques: A computerized Reconciliation Report which coincides with your accounting cycle is provided. The report lists paid cheques in serial number order, showing serial number, dollar amount and paid date. An option is also available to identify outstanding cheques, all you will need to do is supply us with the cheque serial number range of cheques issued. Under this plan, paid cheques are sorted in serial number order and returned to you in convenient storage boxes.

Plan 2 – As Plan 1, but with data output by electronic transmission: In addition to the Plan 1 features, you receive paid cheque data by electronic transmission.

For assistance, please call the Help Desk at 1-800-565-6444 October 2010 4

DirectChequeUser Guide

Full Reconciliation

Plan 5 – Matching of Paid Cheques to Customer Supplied Issue Data (Positive Pay): This plan is designed for companies that require a complete reconciliation package. Customers supply the Bank an issue data by electronic transmission. A hardcopy printout is provided which matches and lists all cheques issued and paid, in serial number order. The printout shows serial number, dollar amount, paid date, issue date and provides totals of cheques paid and outstanding. All paid cheques are sorted in serial number order and returned to you in convenient storage boxes.

For assistance, please call the Help Desk at 1-800-565-6444 October 2010 5

DirectChequeUser Guide

Performing a Cheque Inquiry DirectCheque allows you to inquire on the status of a cheque, place or remove a stop and view cheque images. To perform a cheque inquiry, follow these steps: 1. Through Account Information, click the DCH/FACS link, then DCH Stops/Inquiry. The DirectCheque Inquiry screen is displayed.

Select an account from the Account drop-down list. Enter 1 or more (maximum 10) cheque serial numbers from the lower left-hand corner of the cheque (up to 10 digits) in the Cheque Serial input field(s), and click Next.in the Cheque Serials input field(s). Click Next to continue.

When entering a cheque serial number in the Cheque Serial input fields, the first serial number should be entered in the top left input field. If you wish to enter more than one serial number (maximum 10), the serial numbers must be entered from left to right. Enter the MICR encoded cheque number from the lower left-hand corner of the cheque (up to 10 digits); this number should correspond to the cheque serial number, usually located in the upper right-hand corner of the cheque. NOTE: If you are using a check digit number in the MICR field, only enter the first 9 digits, do not enter the last/right most number as this represents the check digit.

The DirectCheque Inquiry Results screen displays all items that match your search criteria, along with options to place or remove stops, view images, and information about the cheque such as serial number, amount, issue date and status details.

For assistance, please call the Help Desk at 1-800-565-6444 October 2010 6

DirectChequeUser Guide

The Action Selected dropdown box allows you to select Stop or Cheque Image. a. Stops: You have the option to perform a stop payment or remove stop payment request. See Stop Payment on page 13 for detailed instructions. b. Images: You can view or download images of the front and back of cheques selected. See Cheque Images Through DCH Stops/Inquiry on page 20 for detailed instructions.

The cheque Inquiry displays varies depending on the the account reconciliation plan for the account selected.

For assistance, please call the Help Desk at 1-800-565-6444 October 2010 7

DirectChequeUser Guide

Plan 1 or 2 –Status Messages The Cheque Inquiry Results screen for reconciliation Plan 1 or 2 will display cheques in serial number order, showing Serial Number, Amount and Details. Issued On information will not be displayed with this plan. Paid This message means that your cheque was cashed. Stopped, Not Paid This message means that a stop payment request is lodged against this cheque and the cheque was not yet presented to the Bank for payment. Stopped, Cheque Presented/Returned This message means that a stop payment request is lodged against this cheque; the cheque was presented to the Bank for payment and subsequently returned by the Bank. Your cheque was not cashed.

Plan 5 – Status Messages When you inquire on the status of a cheque, you may receive several different status messages in the Issued On and Details output field. The following is a list of possible cheque status messages and their meanings: Issued, Paid This message means that the Bank received issue data from your company and your cheque was presented to the Bank for payment. Paid, Not Issued This message means that your cheque was presented to the Bank for payment, but the Bank did not receive from your company any issue data for this particular cheque. Issued, Not Paid This message means that the Bank received issue data from your company and your cheque is not yet presented to the Bank for payment.. Stopped, Not Paid This message means that a stop payment request is lodged against this cheque and the cheque was not yet presented to the Bank for payment. This also means that the Bank is currently not in of any issue data for this cheque. Issued, Stopped, Not Paid This message means that the Bank received issue data from your company and that a stop payment request is lodged against this cheque. Your cheque is not yet presented to the Bank for payment.

For assistance, please call the Help Desk at 1-800-565-6444 October 2010 8

DirectChequeUser Guide

Stopped, Cheque Presented/Returned This message means that a stop payment request is lodged against this cheque; the cheque was presented to the Bank for payment and subsequently returned by the Bank. Your cheque was not cashed. This also means that the Bank is currently not in possession of any issue data for this cheque. Issued, Stopped, Cheque Presented/Returned This message means that the Bank received issue data from your company and that a stop payment request is lodged against this cheque. The cheque was presented to the Bank for payment and subsequently returned by the Bank. Your cheque was not cashed. Stopped, Cheque Presented/Returned, Cancelled This message means that a stop payment request is lodged against this cheque; the cheque was presented to the Bank for payment and subsequently returned by the Bank. The Bank then received a request from your company to void (cancel) the cheque number from the issue data, but the Bank is currently not in possession of any issue data for this cheque. Your cheque was not cashed. Issued, Stopped, Cheque Presented/Returned, Cancelled This message means that the Bank received issue data from your company and a stop payment request was then lodged against this cheque. The cheque was then presented to the Bank for payment and subsequently returned by the Bank. The Bank then received a request from your company to void (cancel) the cheque number from the issue data that was supplied to the Bank. Your cheque was not cashed. Stopped, Cancelled, Not Paid This message means that a stop payment request is lodged against this cheque and your company requested the Bank to void (cancel) the cheque number from the issue data, but the Bank is currently not in possession of any issue data for this cheque. The cheque was never cashed. Issued, Stopped, Cancelled, Not Paid This message means that the Bank received issue data from your company and a stop payment request is lodged against this cheque. Your company then requested the Bank to void (cancel) the cheque number from the issue data that was supplied to the Bank. The cheque was never cashed. Issued, Cancelled, Not Paid This message means that the Bank received issue data from your company and then received a request from your company to void (cancel) the cheque number from the issue data that was supplied to the Bank. Your cheque was not cashed.

For assistance, please call the Help Desk at 1-800-565-6444 October 2010 9

DirectChequeUser Guide

Cancelled, Not Issued This message means that the Bank received a request from your company to void (cancel) the cheque number from your issue data, but the Bank is currently not in possession of any issue data for this particular cheque.

For assistance, please call the Help Desk at 1-800-565-6444 October 2010 10

DirectChequeUser Guide

Stop Payment Online Banking for Business gives you the power to request electronic stop payments from your office PC. Through DirectCheque menu you can: Place a stop on multiple cheques on the same screen Remove or inquire on stops already in the system Verify whether or not items have been paid before stops are placed The following section provides you with instructions on how to place and remove a stop within the Online Banking for Business DirectCheque module.

The DirectCheque Inquiry & Stop Payment retention period is 60 calendar days for all reconciliation cycles. This means that the Bank will retain all cheque data on file for 60 calendar days after your cheque reconciliation period. For example, if your cheques are reconciled monthly, you will be able to perform online cheque inquiries pertaining to that month for up to 60 calendar days.

Placing a Stop DirectCheque allows you to place a stop on specific cheques as along as the cheque has not yet been either paid or presented/returned. To place a stop, follow these steps: 1. Through Account Information, click on the DCH/FACS link, then DCH Stops/Inquiry. The DirectCheque Inquiry screen is displayed.

For assistance, please call the Help Desk at 1-800-565-6444 October 2010 11

DirectChequeUser Guide

2. Select the account for the stop payment from the Account list. 3. Enter 1 or more MICR encoded cheque numbers from the lower left-hand corner of the cheque (up to 10 digits) in the Cheque Serial input field(s), and click Next.

Enter the MICR encoded cheque number from the lower left-hand corner of the cheque (up to 10 digits); this number should correspond to the cheque serial number, usually located in the upper right-hand corner of the cheque. NOTE: If you are using a check digit number in the MICR field, only enter the first 9 digits, do not enter the last/right most number as this represents the check digit.

4. The DirectCheque Inquiry Results screen displays all items that match your search criteria, along with options to place or remove stops, view images and information about the cheque such as serial number, amount, issued date and status details. 5. From the Action Selected dropdown box select Stop. 6. From the DirectCheque Inquiry Results screen, indicate a stop for a single cheque or multiple cheques by clicking on the appropriate check box under the Place All column. 7. Click Submit. The DCH Stop/Remove Stop Results screen is displayed, providing you with the transaction status of your request.

For assistance, please call the Help Desk at 1-800-565-6444 October 2010 12

DirectChequeUser Guide

All stop payment requests initiated via the DirectCheque Inquiry & Stop Payment service will stay on file with the Bank for 18 months. NOTE: After 18 months, all stop payment requests still lodged against outstanding cheques will be purged from the Bank’s database and may, potentially, have to be renewed/re-entered by you.

For assistance, please call the Help Desk at 1-800-565-6444 October 2010 13

DirectChequeUser Guide

Removing a Stop DirectCheque allows you to remove a stop placed on a single cheque, or multiple cheques. To remove a stop, follow these steps. 1. Through Account Information select the DCH/FACS link, then DCH Stops/Inquiry. The DirectCheque Inquiry screen is displayed.

2. Select one of the listed DirectCheque account numbers from the Account drop down box. 3. Enter 1 or more (maximum 10) cheque serial numbers in the Cheque Serial input field(s), and click Next.

Enter the MICR encoded cheque number from the lower left-hand corner of the cheque (up to 10 digits); this number should correspond to the cheque serial number, usually located in the upper right-hand corner of the cheque. If you are using a check digit number in the MICR field, only enter the first 9 digits, do not enter the last/right most number as this represents the check digit.

For assistance, please call the Help Desk at 1-800-565-6444 October 2010 14

DirectChequeUser Guide

4. The DirectCheque Inquiry Results screen displays all items that match your search criteria, along with options to place or remove stops, view images and information about the cheque such as serial number, amount, issued date and status details. 5. From the Action Selected dropdown box select Stop. 6. From the DirectCheque Inquiry Results screen, indicate a remove stop for a single cheque or multiple cheques by clicking on the appropriate check box under the Remove All column. 7. Click Submit. The DCH Stop/Remove Stop Results screen is displayed, providing you with the transaction status of your request.

8. Click Ok to return to the DirectCheque Inquiry screen.

For assistance, please call the Help Desk at 1-800-565-6444 October 2010 15

DirectChequeUser Guide

DCH Stop/Remove Stop Results The DCH Stop/Remove Stop Results screen will display all Stop and Removal results with detailed information on all requested Stop Payments.

Each item that was successfully stopped or removed will display a checkmark next to it.

If the stop or removal request failed the system will display an exclamation mark and the reason for the failure next to the item.

If you issue a stop payment or remove stop payment request, the Details field will be immediately updated and a new cheque status message and date will be displayed.

DirectCheque Reports All the stop payment and remove stop payment requests that you issue will be reported on the Daily Stop Report and on the optionally available Cumulative Stop Report.

Cumulative Stop Report A Cumulative Stop Report shows all stops placed through the website for a specific period.

Daily Stop Report A Daily Stop Report indicates if stop was placed and/or removed, it is available through hard copy or electronic transmission. .

For assistance, please call the Help Desk at 1-800-565-6444 October 2010 16

DirectChequeUser Guide

Cheque Images Through DCH Stops/Inquiry

The ability to view an image of the selected cheques can be accessed through the following steps: 1. Through Account Information select the DCH/FACS link, then DCH Stops/Inquiry. The DirectCheque Inquiry screen is displayed.

2. Select an account from the Account drop-down list. 3. Enter 1 or more (maximum 10) cheque serial numbers in the Cheque Serials input field(s). Click Next to continue.

Enter the MICR encoded cheque number from the lower left-hand corner of the cheque (up to 10 digits); this number should correspond to the cheque serial number, usually located in the upper right-hand corner of the cheque. If you are using a check digit number in the MICR field, only enter the first 9 digits, do not enter the last/right most number as this represents the check digit.

For assistance, please call the Help Desk at 1-800-565-6444 October 2010 17

DirectChequeUser Guide

4. The DirectCheque Inquiry Results screen displays all items that match your search criteria, along with options to place or remove stops, view images and information about the cheque such as serial number, amount, issued date and status details.

5. From the Action Selected dropdown box select Cheque Image 6. Using the Select Image check boxes, choose which cheque image/s you wish to view and click Submit 7. You will proceed to the Image Search – Selected Items screen

Image Search – Selected Items The Image Search - Selected Items page will summarize the items selected. To proceed with retrieving the images, follow these steps: 1. All retrievable images will be pre-selected. Click the check boxes to unselect images that you do NOT wish to retrieve

For assistance, please call the Help Desk at 1-800-565-6444 October 2010 18

DirectChequeUser Guide

2. Select either Download or View

NOTE: Each action will result in a fee per image retrieved. For instance, if you choose to view an image, then go back and download the same image, you will be charged for that item twice.

Download Pop-up window will appear asking you if you would like to Open or Save the zipped file of the images - Select Open to open WinZip and extract the files - Select Save to save the WinZip file to your hard drive in a folder you specify - The bottom of the screen will offer you these choices: . Return to Selected Items  returns you to the Image Search – Selected Items screen . Return to Search Results  returns you to the DirectCheque Inquiry Results screen . Return to Search Criteria  returns you to the DCH Cheque Inquiry screen View Goes to the Image Search – View Images screen - A table with details of selected cheques will appear at the top of the screen - Each cheque consists of two images – the front and the back of the cheque - All images will be presented on the screen at once with cheque details appearing above each cheque - The images will be in a printer-friendly format - The bottom of the screen will offer you these choices:

 Return to Selected Items  returns you to the Image Search – Selected Items screen

 Return to Search Results  returns you to the

For assistance, please call the Help Desk at 1-800-565-6444 October 2010 19

DirectChequeUser Guide

DirectCheque Inquiry Results screen

 Print  Prints the screen using your browser’s print function

 Return to Search Criteria  returns you to the DCH Cheque Inquiry screen

For assistance, please call the Help Desk at 1-800-565-6444 October 2010 20

DirectChequeUser Guide

Cheque Image Search

Searching Cheque Images Cheque Image Search provides you with the self-serve opportunity to search for and retrieve images of your processed cheques. Images are available within hours of processing for view or download.

To search for cheque images, do the following.

1. Through Account Information, click DCH/FACS, then click on Cheque Image Search. The Image Search – Search Criteria screen is displayed.

2. On the Image Search – Search Criteria screen, select the cheque criteria by which you wish to search. Once complete, click Next. The Image Search – Search Results screen is displayed.

For assistance, please call the Help Desk at 1-800-565-6444 October 2010 21

DirectChequeUser Guide

3. On the Image Search – Search Results screen, a list of all cheques (to a maximum of 300) that meet the search criteria is presented.

 You have the option to sort your results using the Primary and Secondary sort options.

 Select the cheques that you would like to view or download (to a maximum of 20 at a time).

 Click Submit. The Image Search – Selected Items screen is displayed. 4. The Image Search – Selected Items screen will summarize the items selected for retrieval.

The Image Search - Selected Items screen will summarize the items (maximum 20 at a time) selected from the Image Search - Search Results screen. To proceed with retrieving the images, follow these steps: 1. All retrievable images will be pre-selected. Click the check boxes to unselect images that you do NOT wish to retrieve 2. Select either Download or View

For assistance, please call the Help Desk at 1-800-565-6444 October 2010 22

DirectChequeUser Guide

Download A pop-up window will appear asking you if you would like to Open or Save the zipped file of the images - Select Open to open WinZip and extract the files - Select Save to save the WinZip file to your hard drive in a folder you specify - The bottom of the screen will offer you these choices: . Return to Selected Items  returns you to the Image Search – Selected Items screen . Return to Search Results  returns you to the Image Search – Search Results screen . Return to Search Criteria  returns you to the Image Search - Search Criteria screen

View Goes to the Image Search – View Images screen which displays: - A summary table with details of selected cheques will appear at the top of the screen - Two images for each cheque (the front and the back) in JPEG format - The bottom of the screen will offer you these choices:

 Return to Selected Items  returns you to the Image Search – Selected Items screen

 Print  Prints the screen using your browser’s print function

 Return to Search Results  returns you to the Image Search – Search Results screen

For assistance, please call the Help Desk at 1-800-565-6444 October 2010 23

DirectChequeUser Guide

 Return to Search Criteria  returns you to the Image Search - Search Criteria screen

For assistance, please call the Help Desk at 1-800-565-6444 October 2010 24

DirectChequeUser Guide

Cheque Validation Service Overview Online Banking for Business Cheque Validation is a web-based cash management solution that enables you to make your Pay/No Pay decisions on cheques cleared using the Directcheque service, and make return decision on cheques cleared using the FirstBank Automated System (FACS) Reverse Positive Pay service. You will be able to decision your Paid No Issue items, Payee name exceptions, with the option of viewing the front and back image of the items before making your decision. This service will also enable you to make serial number corrections; reverse your decisions prior to the cut-off time of 2pm EST; and view the history of decisions up to 90 days. All of this is done securely and automatically, reducing your exposure to fraud.

For assistance, please call the Help Desk at 1-800-565-6444 October 2010 25

DirectChequeUser Guide

Exception Notification Email Sample For each , a daily notification email will be sent to the organization responsible for making the decisions (if the same email address is assigned to multiple bank accounts, it will only receive one email).

This email includes the following information:  The accounts have exception items found  Time the decision is due for these items. The email is formatted as follows:

The following account(s) have exception(s) requiring a decision:

***1234

You have until 2:00 P.M. Eastern Time to view items on Cheque Validation and make your decisions.

For technical support only, email: [email protected]

For client service issues only, contact either your Cash Management Representation or your Client Service Representative

Please do not reply to this e-mail as it is not monitored.

Note: No cheque processing on Canadian Holidays. Regular process will still take place on Provincial Holidays. You must review exception items and make decision as normal.

For assistance, please call the Help Desk at 1-800-565-6444 October 2010 26

DirectChequeUser Guide

Administration

Administrator  Set up new users and provide them with access to accounts and priviliges, such as stops, inquires and image search  Set up additional Administrators  Modify/Delete users’ access at any time  View account defaults decisions (applicable to Plan 5 accounts only)  View status of decisions  View history of decisions

Decider  View current day exceptions  Make pay/return decision  Make serial number corrections  View account defaults decisions (applicable to Plan 5 accounts only)  Final approver if no approval threshold exists  View status of own and others’ decisions  View history of decisions

Approver  View decisions pending approval  Final approver where approval thresholds exist  View account defaults decisions (applicable to Plan 5 accounts only)  View status of own and others’ approval  View history of decisions

For assistance, please call the Help Desk at 1-800-565-6444 October 2010 27

DirectChequeUser Guide

SecurID Authentication

The table below indicates by whom a SecurID device is required when making a decision

THRESHOLD REQUIRED BY WHOM NO THRESHOLD DECIDER THRESHOLD (BELOW $) DECIDER THRESHOLD(ABOVE $) APPROVER RETURN NO AUTHENTICATION REQUIRED

Viewing Account Defaults To view the defaults which have been defined for the accounts to which you have access, follow these steps: 1. From the Cheque Validation menu select Account Defaults. The Account Default Settings screen is displayed. a. Pay decisions – amount up to which a paid or serial number correction decision can be made without an approver. b. Return decisions – amount up to which a return decision can be made without an approver. c. Default settings – amount over which an item will be returned if no decision is made by the 2pm EST.

2. Review the information displayed. You can also print this screen for your records by clicking the Print button.

For assistance, please call the Help Desk at 1-800-565-6444 October 2010 28

DirectChequeUser Guide

Viewing Status of Items In order to view the status of items pending in Cheque Validation, follow these steps: 1. Select Status. The Status of Items - Summary screen is displayed. 2. Review the information displayed. Click on the refresh link in order to view updated information. Viewing History of Decisions In order to view historical decisions which have been made through Cheque Validation, follow these steps: 1. Select View History of Decisions. The View History of Decisions screen is displayed. 2. From the Account drop-down list, select the Account for which you want to view historical data. 3. In the Search by drop-down list, select whether you want to search items by Date or by Serial number. 4. Enter either the date or the serial number for the item in the text box provided. 5. From the Decision type drop-down list, select All Decisions, Paid Decisions or Returned Decisions. 6. Once complete, click Submit. The View History of Decisions - Results screen is displayed. 7. Review the information displayed. Click Print to print this screen for your records

Click the Select image checkbox to view the image of the item. Please note that there will be a change for each cheue image viewed.

For assistance, please call the Help Desk at 1-800-565-6444 October 2010 29

DirectChequeUser Guide

Searching and Deciding To search and decide on pending items, follow these steps: 1. From the Cheque Validation menu, select Decide, then Search and Decide. The Search Cheques and Decide screen is displayed. 2. From the Account drop-down list, select the account for which you want to view pending items. 3. In the Cheque Serials text boxes, enter the cheque serial numbers for which you want to enter a decision. 4. Select Next to view the Search Cheques and Decide - Results screen, or click Cancel to cancel your request and clear your entries. 5. On the Search Cheques and Decide - Results screen, click on the radio button corresponding to the item you want to action and then click Continue. The Search Cheques and Decide - View Details screen is displayed. 6. From the Your decision drop-down list, select Pay, Return, or Correct the serial number and click Submit. The Validate the Decision screen is displayed indicating whether your request was successful.

You can also view an image of the item from the View Details screen. Please note that there will be a charge each time a cheque image is viewed.

Viewing Pending Decisions To view items which are currently pending a decision, follow these steps: 1. From the Cheque Validation menu, select Decide, then Pending Decisions. The Present Exceptions - Pending Decisions screen is displayed. 2. From the Account drop-down list, select the account for which you want to view decisions pending an approval. 3. From the Sort by drop-down list, select whether you want to view the items by Cheque serial in ascending order or in Dollar amount in descending order. 4. Click Next. The Present Exceptions - Results of Pending Decisions screen is displayed. 5. Click the Selection radio button corresponding to the items for which you want to make a decision. 6. Click Continue. The Present Exceptions – View Details screen is displayed for the item you have selected.

For assistance, please call the Help Desk at 1-800-565-6444 October 2010 30

DirectChequeUser Guide

7. From the Your decision drop-down list select Pay, Return, or Correct the serial number and click Submit. The Validate the Decision screen is displayed indicating whether your request was successful. 8. Once you have reviewed this information, click OK to close the screen. Click Print to print this screen for your records.

Viewing Your Decisions To view your pending decisions, follow these steps: 1. From the Cheque Validation menu, select Decide, then Present My Decisions. The Present My Decisions screen is displayed. 2. From the Account drop-down list, select the account for which you want to view pending items. 3. From the Sort by drop-down list, select whether you want to view the results by Serial number in ascending order, or by Amount in descending order.

For assistance, please call the Help Desk at 1-800-565-6444 October 2010 31

DirectChequeUser Guide

4. Select Next to view the Present My Decisions - Results screen, or click Cancel to cancel your request and clear your entries. 5. Click the Selection radio button beside the item you want to review or for which you want to change your decision.

6. Select Continue to display the Review the Decision screen. From the Your decision drop-down list, select Pay, Return or Correct the serial number. Click Submit once complete. 7. The Validate Decision screen is displayed indicating whether your request was successful or not. 8. Once you have reviewed the information displayed, click OK to close the screen, or Print to print the screen for your records.

For assistance, please call the Help Desk at 1-800-565-6444 October 2010 32

DirectChequeUser Guide

Viewing all decisions In order to view all decisions, follow these steps: 1. From the Cheque Validation menu, select Decide then Present All Decisions. The Present All Decisions screen is displayed. 2. From the Account drop-down list, select the account for which you want to view exceptions pending a decision. 3. From the Sort by drop-down list, select whether you want to view the items by Cheque serial in ascending order or by Amount in descending order. 4. Click Next. The Present All Decisions - Results screen is displayed. 5. To select an item, click the Selection radio button beside the item and click Continue.

6. The Present All Decisions – Review the Decision screen is displayed.

7. To enter a decision for the item, select Pay, Return, or Correct the serial number from the Your Decision drop-down list. 8. Click Submit. The Validate your Decision screen is displayed indicating whether your request was successful or not. 9. Once you have reviewed this information, click OK to close the screen. Click Print to print this screen for your records

For assistance, please call the Help Desk at 1-800-565-6444 October 2010 33

DirectChequeUser Guide

Searching and Approving To search and approve pending items, follow these steps: 1. From the Cheque Validation menu, select Approve, then Search and Approve. The Search Cheques and Approve screen is displayed. 2. From the Account drop-down list, select the account for which you want to view pending items. 3. In the Cheque Serials text boxes, enter the cheque serial numbers for which you want to enter an approval decision.

4. Select Next to view the Search Cheques and Approve - Results screen or click Cancel to cancel your request and clear your entries.

For assistance, please call the Help Desk at 1-800-565-6444 October 2010 34

DirectChequeUser Guide

5. On the Search Cheques and Approve - Results screen, click on the radio button corresponding to the item you want to action and then click Continue. The Search Cheques and Approve - Review the Decision screen is displayed. 6. From the approval decision drop-down list, select either Approve or Reject and click Submit. The Validate the Approval Decision screen is displayed indicating whether your request was successful.

You can also view an image of the item from the Review the Decision screen. Please note that there will be a change each time a cheque image is viewed.

Viewing Pending Approval To view items which are currently pending a decision, follow these steps: 1. From the Cheque Validation menu, select Approve, then My Pending Approvals. The Present Decisions Requiring My Approval screen is displayed. 2. From the Account drop-down list, select the account for which you want to view decisions pending an approval. 3. From the Sort by drop-down list, select whether you want to view the items by Cheque serial in ascending order or in Dollar amount in descending order.

For assistance, please call the Help Desk at 1-800-565-6444 October 2010 35

DirectChequeUser Guide

4. Click Next. The Present Decisions Requiring My Approval – Results screen is displayed. 5. Select Action Selected. Select the radio button corresponding to the items for which you want to make a decision.

6. Click Submit. The Present Decisions Requiring My Approval -Validate the Decision screen is displayed for the item you have selected. 7. Once you have reviewed this information, click OK to close the screen. Click Print to print this screen for your records.

You can also view an image of the item from the Action selected. Please note that there will be a charge each time a cheque image is viewed.

For assistance, please call the Help Desk at 1-800-565-6444 October 2010 36

DirectChequeUser Guide

Viewing your approval To view your pending decisions, follow these steps: 1. From the Cheque Validation menu, select Approve, then Present My Approvals. The Present My Approvals screen is displayed. 2. From the Account drop-down list, select the account you which to view. 3. From the Sort by drop-down list, select whether you want to view the results by Serial number in ascending order, or by Amount in descending order.

4. Select Next to view the Present My Approvals - Results screen, or click Cancel to cancel your request and clear your entries. 5. Click the Selection radio button beside the item you want to review or for which you want to change your decision. 6. Select Continue to display the Review the Decision screen. From the decision drop- down list, select Approve or Reject. Click Submit once complete.

7. The Validate Decision screen is displayed indicating whether your request was successful or not. 8. Once you have reviewed the information displayed, click OK to close the screen or Print to print the screen for your records.

For assistance, please call the Help Desk at 1-800-565-6444 October 2010 37

DirectChequeUser Guide

Viewing all approvals In order to view all decisions, follow these steps: 1. From the Cheque Validation menu, select Approve then Present All Approvals. The Present All Approvals screen is displayed. 2. From the Account drop-down list, select the account which you want to view. 3. From the Sort by drop-down list, select whether you want to view the items by Cheque serial in ascending order or by Amount in descending order.

4. Click Next. The Present All Approvals - Results screen is displayed. 5. To select an item, click the Selection radio button beside the item and click Continue.

For assistance, please call the Help Desk at 1-800-565-6444 October 2010 38

DirectChequeUser Guide

6. The Present All Approvals – Review the Decision screen is displayed. 7. To enter a decision for the item, select Approve or Reject from the Your approval decision drop-down list. 8. Click Submit. The Validate the Change Decision screen is displayed indicating whether your request was successful. 9. Once you have reviewed this information, click OK to close the screen. Click Print to print this screen for your records.

For assistance, please call the Help Desk at 1-800-565-6444 October 2010 39

DirectChequeUser Guide

Logout

To logout of the system, click the logout link that appears in the left hand navigation bar on each page. You will be logged out of the system and returned to the login page. In order to use the system again, you must log in using your user name and .

Note: after 15 minutes of inactivity the system will automatically log you out and return you to the login page. In order to use the system again, you must login using your user name and password (see the Login section)

For assistance, please call the Help Desk at 1-800-565-6444 October 2010 40