COMMERCIAL BANKING CHASE COMMERCIAL ONLINESM | FRAUD PROTECTION SERVICES | DASHBOARD With Chase Commercial Online Fraud Protection Services, you have access to quick, simple online tools to help protect your accounts against check fraud1. To effectively use this service, please make certain you’re committed to using it regularly; that’s how it works best. We strongly encourage you to dedicate time and resources every day to upload check details (if necessary), review the items we flag, and make pay or return decisions. The System Administrator may perform these tasks, or use Access & Security Manager to grant other employees in the company the ability to use Fraud Protection Services. A link to Access & Security Manager is located on the My Accounts page. Step The Chase Fraud Protection Services Dashboard To get to the Chase Fraud Protection Services 1 dashboard, click on Send Payments tab and click “Fraud Protection.” On the dashboard, you’ll only see information about the services (Positive Pay or Reverse Positive Pay) that you have requested for each account. EACH SECTION CAN BE EXPANDED OR COLLAPSED USING THESE ARROWS. FOR POSITIVE PAY, YOU CAN EASILY PROVIDE INFORMATION ABOUT CHECKS YOU’VE ISSUED BY UPLOADING A FILE OR ENTERING THE DETAILS MANUALLY. YOU CAN SELECT THE TYPE OF REPORT YOU WANT FOR EACH ACCOUNT; AN “EXCEPTIONS HISTORY” REPORT IS AVAILABLE FOR BOTH POSITIVE PAY AND REVERSE POSITIVE PAY, WHILE A “CHECK ISSUE INPUT HISTORY” REPORT IS ONLY AVAILABLE WITH POSITIVE PAY. FOR POSITIVE PAY OR REVERSE POSITIVE PAY, YOU’LL SEE A TALLY OF THE CHECK EXCEPTIONS YOU’VE REVIEWED OR STILL NEED TO REVIEW. YOU’LL ALSO BE REMINDED OF THE DECISION CUT-OFF TIME FOR EACH ACCOUNT. 1 COMMERCIAL BANKING CHASE COMMERCIAL ONLINESM | FRAUD PROTECTION SERVICES | POSITIVE PAY ENROLLMENT First, you'll need to enroll in the service. Step After you log on to Chase Commercial Online, go the Send Payments tab, under 1 Fraud Protection click "Enroll Now." ENROLL NOW Select the accounts you want to enroll in Step Fraud Protection Services, and then select Positive Pay or Reverse Positive Pay for each account. 2 Positive Pay: Review Immediate Customer Exceptions (RICE) will be selected. You can unselect RICE if you do not want to enroll in this feature. NOTE: Chase will call you to confirm your enrollment in RICE. You can also choose if you'd like to enroll in Payee Name Verification. Reverse Positive Pay: Enter the dollar amount for checks to be presented for your review. Click "Next." You'll be prompted to verify your choices. Carefully read the on screen messaging and click "Enroll." Carefully read the on screen Step messaging. To complete your Positive Pay enrollment, you'll need to upload a file with your check details (see instructions on the 3 next page), or click "Enter Checks" when you complete your enrollment. The Positive Pay service is usually active within three business days. IMPORTANT:If RICE is selected, immediately upon enrollment, all checks presented for payment will appear as exceptions for you to review and provide a decision. These items will be automatically returned unless you instruct us to pay the item. You can minimize the number of exceptions you will see by providing check issuance details. You will be assessed a fee for every returned check. 2 COMMER CIAL BANKING CHASE COMMERCIAL ONLINESM | FRAUD PROTECTION SERVICES | POSITIVE PAY FILE FORMAT With Fraud Protection Services through Chase Commercial Online, you can use our dashboard to upload information about checks you write so we can compare those details to checks presented for payment (Positive Pay service only). NOTE: Do not include future dated checks in your check issuance file. Please upload a new file on or after the issuance date. You can customize the order of the columns in your check issuance file. The step below shows the standard file format, see the next page for instructions on how to customize your file. Uploading your Positive Pay files online helps you: reduce costs, simplify the way you send us your check information, decrease the number of employees it takes to send in your check details (sending us your check details is easy; there’s no need to engage technical resources to assist with complex file transmissions), and save time (you can send us your check details quickly and easily from anywhere you have access to Chase Commercial Online by following the steps below). Step Creating the CSV file in Microsoft Excel® Create a file containing the check details you want to upload. Do not include a header row on your file; instead, the first row 1 should contain information about your first check. Information for each additional check should be entered on separate lines. For each check, enter the following information: A. Check type: I = issued check, or C = voided or cancelled check B. Account number C. Check number D. Check date: Date should be formatted as mmddyy* E. Check amount: This field may contain decimals, but no commas F. Payee line 1: This field is limited to 40 characters G. Payee line 2: This field is limited to 40 characters Finally, save your file in Comma-Separated Value (CSV) format. Do not include any spaces in the file name. * In order for your file to be uploaded, the date field must contain a total of 6 characters. In some instances, Microsoft Excel® will delete the first zero of a number, referred to as the leading zero. To force Microsoft Excel® to accept leading zeros: Right-click the top of the column that contains your date information Select “Format Cells” In the “Category:” box, select “Custom” In the “Type:” box, enter “000000” (six zeros to correspond with the mmddyy format) Excel® is a registered trademark of the Microsoft® Corporation. 3 COMMER CIAL BANKING CHASE COMMERCIAL ONLINE | FRAUD PROTECTION SERVICES | CUSTOM POSITIVE PAY FILE An additional benefit to uploading your Positive Pay check issuance file is that you can customize certain aspects of your upload file. When you upload information about checks you write, we can compare those details to checks presented for payment. Step From the Fraud Protection Services dashboard click "Manage Custom File Formats." 1 Note: You may need to click "See more choices" for the option to appear. MANAGE CUSTOM FILE FORMATS Step Next, click "Create Custom File Format." Note: You may need to click "See more 2 choices" for the option to appear. CREATE CUSTOM FILE FORMATS 4 CHASE COMMERCIAL ONLINE | FRAUD PROTECTION SERVICES | CUSTOM POSITIVE PAY FILE Step Customize Your New File Format • Name the file format 3 • Determine if the new format will be the default file format • Select file type: comma separated or fixed width (for fixed width you will also enter a line of sample data) • Order fields (comma separated) or indicate start to end position for each field (fixed width). NOTE: You cannot remove any fields, all fields are required. • Customize data format, when applicable • Add help text (optional) CUSTOMIZE FILE FORMAT SAVE FORMAT After you click "Save Format" you'll review your new file format and have the option to make modifications. Click "Submit" and test the new file ormat.f Note: You can edit your custom file formats at any time by clicking "Manage File Formats" on the Fraud Protection Services dashboard. Next, click "Edit" next to the format you'd like to modify. 5 COMMER CIAL BANKING CHASE COMMERCIAL ONLINE | FRAUD PROTECTION SERVICES | POSITIVE PAY With Positive Pay, you provide details about checks you’ve written and we’ll compare certain information to checks presented for payment. Any check that does not match that information you’ve provided will be marked as an “exception” and will be available for your review. You can then decide whether to pay or return the check. Note: If you don’t provide check decisions by the decision cut-off time (4 PM local account time), we will return any checks that have not been reviewed and you will be charged a returned check fee. The Payee Name Verification Option: If you selected the Payee Name Verification option for Positive Pay during Fraud Protection Services activation, we’ll verify that the payee name on the check matches the payee name in the information you presented to us. To learn how to reduce exceptions caused by readability errors, please see the last page of this guide. Upload Checks Step • On the Fraud Protection Services dashboard, find the section labeled 1 “Enter Checks Written” • To select a file containing your check details for upload, click “Browse” • Transmit the file to Chase by clicking “Upload” CLICK BROWSE TO UPLOAD FILE Note: Files must be in CSV format, and the file name must not contain any spaces. Use the “See sample file” link for an explanation of how your file should be structured. ENTER MANUALLY OR Enter Checks Manually • On the Fraud Protection Services dashboard, click “Enter Manually” and enter check details in the fields provided • If you need to add details for multiple checks, click “Add” and enter additional check details in the fields that appear • When you have finished, click “Next” to verify and then submit your check information Note: You may include a comma (,) in the Payee line, however, the Payee name must be surrounded by quotation marks (“). Example: “Yale Vision, Inc.”The comma(s) and quotation marks are included in the 40 character limit. Quotation marks do not need to be written on the check. 6 CHASE COMMERCIAL ONLINE | FRAUD PROTECTION SERVICES | POSITIVE PAY Step Review Check Exceptions On the Fraud Protection Services dashboard, click on an account that has exceptions you 2 wish to review.