ACH Monitor – Direct Transmission - M&T Bank Monitor –Direct Transmission USER GUIDE —1—...

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ACH Monitor – Direct Transmission

USER GUIDE

ACH Monitor – Direct Transmission USER GUIDE

©2017 M&T Bank. Member FDIC. 01/17 —1—

ACH MONITOR – DIRECT TRANSMISSION

Welcome to M&T Bank’s enhanced treasury management service for customers who send or receive ACH payments- ACH

Monitor. You are enrolled in the Direct Transmission package of ACH Monitor. Using the Direct Transmission package, you can

perform a number of ACH payment related activities utilizing self-serve set up, processing and research functions.

• Use the Payment and File History module to review originated and received ACH payments for self-serve research

• Submit ACH file Control Totals electronically via the Control Total module. With File Monitoring, you receive email

notifications on the status of ACH files you submit to the bank for processing

• Set up and maintain Payment Schedules to receive email notification when a payment was not submitted as scheduled

In addition to the Direct Transmission package, the overall ACH Monitor service offers another module that provides ACH

Fraud Review customers with value added services. If you are interested in the other features available in ACH Monitor,

please contact your dedicated Treasury Management Consultant or M&T Bank’s Commercial Service Team at 1-800- 724-

2240, Monday-Friday, 8am-6pm ET.

This comprehensive user guide provides screen shots and instructions on how to maximize the use of this new service. A table

of contents is provided on the next page to help you navigate the content included in this manual.



TABLE OF CONTENTS

ACH MONITOR LOG IN INSTRUCTIONS ........................................................................................................ 3

ACH MONITOR SYSTEM ADMINISTRATION ................................................................................................ 7

ACH MONITOR HOME PAGE ......................................................................................................................... 15

CONTROL TOTAL MODULE .......................................................................................................................... 16

PAYMENT AND FILE HISTORY MODULE ................................................................................................... 20

PAYMENT SCHEDULE MODULE ..................................................................................................................32

APPENDIX ........................................................................................................................................................ 35



LOGGING ON VIA COMMERCIAL SERVICES SINGLE SIGN-

ON

1. From the M&T Bank Commercial page: https://www.mtb.com/commercial/Pages/Commercial.aspx

Please select Log In. Under Log In, please select Commercial Services under Access Other Accounts & Services.

Note: Please note: ACH Monitor is supported on Chrome, Firefox, Safari, and Internet Explorer 8.0 or higher.

2. Enter your User Name and Password and Click Log On

FIRST TIME USERS

Prior to logging in for the first time, a user will receive two separate emails from [email protected] informing them of their user name and one-time password.

Proceed to the Log On page and enter the supplied user name and temporary password

• Link to Log On page: https://commercialservices.mandtbank.com/

On the Password Change Request screen, re-enter your temporary password, type in new password and type your new

password again in the Confirm New Password field. Next, click Change Password.

https://www.mtb.com/commercial/Pages/Commercial.aspx

mailto:[email protected]

https://commercialservices.mandtbank.com/



The requirements for passwords on Commercial Single Sign‐on are as follows:

• Eight Character minimum and a maximum of 20

• At least one UPPER case letter and one LOWER case letter

• At least one number

• Repeating characters limited to three

• Cannot equal the user name

• Cannot be reused for 361 days

Note: Your User password will expire every 90 days and trigger the Change Password page to display automatically. A New

User Password must be selected prior to logging in.

The Commercial Services Single Sign-on Landing Page will appear and your log on is complete.

FORGOTTEN PASSWORDS

Note: Your challenge questions enable you to use the “Forgot Password?” link from the logon page of CSSO.

Once your challenge questions are established, clicking that link will present you with two challenge questions and if answered correctly you will be emailed a new temporary password. You can only self-administer a password reset if your challenge questions have been completed, otherwise you will need to contact your administrator, or our experienced Commercial Service Team at 1-800-724-2240.

ADDING USERS TO COMMERCIAL SERVICES SINGLE SIGN ON

At the Commercial Services landing page, click the Administration tab at the top left-hand side.



• Scroll to the bottom of the next page and click Add New User.

• Complete the blank fields with the new user’s information and click Save.

• This returns the Administrator back to the User Listing screen. Write down the value under the UUID column. This

UUID must be entered into ACH Monitor as the new user’s ACH Monitor User ID.

• Set up the user in ACH Monitor in the User Administration module. For details on setting up a user in ACH Monitor,

please see page 11 of this manual. Be sure to enter the user’s Commercial Services UUID in the User ID field in ACH Monitor.

• The new user will receive a user ID and password via email. Once the user ID and password are received, the new user may

log into Commercial Services and proceed directly into ACH Monitor.

Note: The ACH Monitor System Administrator is the only user with the ability to enroll new users in Commercial Services

Single Sign On.

ACCESS TO M&T ACH MONITOR

Simply click on the link for ACH Monitor on the left-hand side of the screen. When you log out of M&T ACH Monitor, you will

return to the Commercial Services Single Sign-on Landing Page.

OTHER FEATURES

• You can access other M&T Treasury Management services on the left side of the webpage.

• View M&T product demos from the right side of the webpage.

Announcements are important notices from M&T Bank that usually contain information related to your account or the status

of the Bank’s systems.



LOGGING OUT

Click Logout to properly log off of Commercial Services Single Sign-on. Note: As a safety measure, Commercial Services

Single Sign-on will automatically log a user off after 15 minutes of inactivity.

ACH MONITOR CUSTOMER HOME PAGE

This is the home page for a corporate user. Depending on the access you are granted, you may click the User

Administration button to set up, view and modify user access. If you need to change your password, contact the

Commercial Service Team at 1-800-724-2240.

ACH MONITOR SYSTEM ADMINISTRATION

This is the System Administration page that appears for the ACH Monitor System Administrator. The System

Administrator can grant, modify or delete access to individual users, or to groups of users. At least one group must be set

up in order to create users and assign them access to services. Multiple groups can be created depending on your

organization’s needs.

John Smith Company

Your name and organization appear

within the top banner, along with a Home

page and Log Out button

This navigation bar remains to

the left of all screens. It can be

used to move between the

various services in which your

organization is enrolled.

Smith Sample



ADD NEW GROUP

This is the screen that allows you to set up a new company group. You must set up a group before users can be added

and given access to services. Multiple groups can be added depending on the needs of your organization. Enter information

into the blank fields on this screen to set up a group. All three sections, including Group Information, Users, and

Permissions must be completed prior to creation of new group. Click Save when finished.

John Smith Company

John Smith Company



MODIFY CORPORATE GROUP

At this screen, you can enter or review information for a group and make any desired changes. After selecting the appropriate

group, click Modify to update this group’s access to specific modules within ACH Monitor. Once finished, click Save to submit

your changes.

Each feature that you subscribe to in ACH Monitor is listed on the Permissions screen. Select the first service to which you

would like to grant this group access and confirm changes by pressing Save.

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This navigation bar remains to

the left of all screens. It can be

used to move between the

various services in which your

organization is enrolled.

John Smith Company



On the following screen, please select the module(s) to which you would like to grant this group access and proceed

accordingly to select the required features. Press Save to confirm changes.

John Smith Company

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ADD CORPORATE USER

In order to add a new user to ACH Monitor, you must first add the user to the Commercial Services Single Sign On service.

Please see page 6 for instructions on creating a new user in Commercial Services Single Sign On.

Once you have added the new user to Commercial Services Single Sign On, proceed to the System Administration

module of ACH Monitor and select Add to add a new Corporate User.

Complete all fields in the three sections on the screen shown below with an asterisk (*) in order to establish the new

user on ACH Monitor:

• User information

• Assign Groups

• Notifications

John Smith Company



Note: You must enter the UUID provided to you upon establishing this new user in Commercial Services Single Sign On. You

can then assign this new user to the appropriate group, found in the box under Group Information. Click Save to

proceed.

John Smith Company



MODIFY CORPORATE USER

At this screen, you may review, add, change or delete any of the user information in the fields shown. You may also assign or remove the user from the groups you have set up. To begin, select the appropriate user and press Modify.

In addition, each user is able to receive email notifications that alert them to specific events in ACH Monitor. Click Notifications to view all available email notifications for the module(s) to which this user has access. You will be able to choose the email notifications you would like this user to receive.

In order to assign email notifications for the user selected, click Add and review the list to select the notifications you would like him or her to receive. For reference, a list of available email notifications and a brief description is included in the appendix of this user manual. Once you have made your selection, click Save to return to the previous screen.

John Smith Company

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John Smith Company



NOTIFICATIONS SELECTION:



ACH MONITOR HOME PAGE

The screen that appears after you log into ACH Monitor is the Home screen, which lists the main modules that your organization subscribes to. These may include the following:

• Within the Control Total feature you can enter Control Totals that correspond to ACH files that you submit. You can

also search and modify Control Totals that were not matched to ACH files submitted for up to five calendar days.

• Fraud Review and Approval allows you to review and make pay or return decisions on debits presented for payment

against your account(s). You may also set up and maintain company authorization records that automatically pay debits

presented from companies that you have pre-authorized.

• Payment and File History provides real-time information on ACH payments that you have originated or received.

Information is available at the file level, batch level and individual payment level. Information at the file level is available for

15 calendar days. Information at the payment level is available for 60 calendar days.

• The Payment Schedule allows you to set up a schedule of expected ACH payment activity. If an ACH payment is not

submitted as scheduled, you will receive an email notification.

Select which module you would like to enter by clicking on the appropriate button in the navigation menu.

If you are interested in any of the other modules available in ACH Monitor, please contact your dedicated Treasury

Management Consultant or M&T Bank’s Commercial Service Team at 1-800-724-2240.



CONTROL TOTAL MODULE

MAIN MENU

Within the Control Total Reporting module you can choose to enter your ACH file Control Totals, or to view Control Totals

you previously entered. You can click Home from any screen in this module to return to the main menu of modules available in

ACH Monitor.

• Select Add to enter new control totals for your ACH file.

• Select Modify on previously submitted Control Totals to edit the related dollar amounts or account number.

Unmatched Control Totals can be viewed and modified for up to five calendar days.

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John Smith Company



CONTROL TOTAL ADD

• To enter Control Totals, click Add and select the name of the ACH file you submitted.

• If the file contains credit payments, enter the total credit amount. If the file contains debit payments, enter the total debit

amount.

• Click Reset to clear the selection you made and any dollar amounts entered. Click Save once you have entered the proper

information. To return to the previous screen, press Cancel.

John Smith Company

Sample - Direct



CONTROL TOTAL REVIEW

At this screen, you can view previously submitted Control Totals within the grid as shown below. Unmatched Control Totals are

available for five calendar days.

Control Totals each list a status. They are as follows:

• Matched - This means the file has been collected into the M&T Bank ACH system for processing.

• Unmatched - This means the file has not yet been collected into the M&T Bank ACH System

• Exception - This status has two meanings:

o The file was collected into the M&T Bank ACH System before the control totals were received and an

ACH Operator matched the totals to the file manually.

o The file has been collected into the M&T Bank ACH System but the control totals do not match. In this

case, an ACH Operator will contact you by phone for resolution.

John Smith Company

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This screen shows your submitted Control Totals. You can review the list and choose to modify or delete any of the records. Select a record and click the Modify or Delete button as appropriate.

Modify: Review the information, make any desired changes, and select Save once completed. The confirmation message below appears after you modify an existing Control Total record.

Delete confirmation message:

John Smith Company

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PAYMENT AND FILE HISTORY MODULE

The Payment and File History module offers you the ability to retrieve general or detailed information on ACH payments that

you originated or received.

• Select Search Originated Files and Payments to obtain real-time file and batch level information on originated ACH

files. Payment detail can also be obtained in this section, but there are more screens to click through before item detail

can be retrieved. ACH file level data is available for 15 calendar days.

• Select Search Originated & Received Payments to obtain real-time detailed information on an individual payment within an

originated or received ACH file. Originated and Received ACH payment information is available for 60 calendar days.

PAYMENT AND FILE HISTORY HOME PAGE

John Smith Company) | Home | Log Out

Beginning in Spring 2015, you will notice an upgraded look and feel to the ACH Monitor website. Click here for details and user guides



SEARCH ORIGINATED FILES AND PAYMENTS

At this screen, select the appropriate file under File Name and All under File Status for a general search for all originated ACH files. Press Search to begin the search. ACH file level data is available for 15 calendar days.

Note: You may also search by a range of dates by using the Date File Processed options in the middle of the screen.

This screen provides a list of originated ACH files for you to view based on your search criteria. Information at the ACH file level corresponds to the “1” record in a NACHA formatted file. Choose the correct file and press Select File to view ACH batch details on the selected file.

John Smith Company | Home | Log Out

Sample Company

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John Smith Company | Home | Log Out

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This screen below provides the selected ACH file information and allows you to view information at the batch level. To retrieve batch level information, select the batch within the file and choose Select Batch. You may also filter the results of the batch by choosing a Transaction Type from the drop down menu below.

If you do not specify search criteria, you retrieve information on all batches within the selected file. Click Select Batch to view the ACH batch details.

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Here you can view the batches available within the selected ACH file. Select a batch and click Select Batch to retrieve batch item details. Batch details correspond to the information contained in the “5” record in a NACHA formatted file.

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This screen lists the individual payments contained within the batch shown, based on your search criteria. For information on the individual payments within the batch, you can choose the item and press Select Item. Information on individual payments within a batch corresponds to the data contained in the “6” record in a NACHA formatted file.

To view the detail of an individual payment, select a payment and click Select Item. This is the final level of detail that can be retrieved in ACH Monitor Payment and File History.

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Sample Company

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SEARCH ORIGINATED AND RECEIVED PAYMENTS

In order to begin reviewing the originated payments, you must select the desired file name from the screen below, and enter the account number and date range in the blank fields. You may further refine your search for payments by completing one or more of the additional blank fields on the screen.

Note: Originated ACH payment level information is available for 60 calendar days.

Press Search after all search criteria has been entered in the above screen and review the results shown in the following

screen:

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To view details of a specific file, select the appropriate file from the results and press Select File:


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To view batch details within a file, select the appropriate batch from the results below and press Select Batch:

Once the batch has been selected, you can view the individual items that make up each batch. To view item details with a batch, select the appropriate item and press Select Item:

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After pressing Select Item, the following screen will be displayed to show the specific item details:

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SEARCH RECEIVED PAYMENTS

In order to begin the received payments search, you must select the desired account number from the menu, and enter the date range in the blank fields. You may also filter your search for payments by completing one or more of the additional blank fields on the screen. Received ACH payment information is available for 30 calendar days.

To search Received Files and Payments, select Receiver from the Account Search dropdown list.

Then select the appropriate account from the dropdown highlighted below as well as From Date and To Date. Then press Search:

John Smith Company

Sample

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This screen provides you with the applicable items originated based on your search criteria. The information provided on each batch corresponds to the information found in the “5” record of a NACHA formatted file. Select an item to view the payment details and then click Item Detail.

The following screen provides you with the file, batch and item detail on the payment that you selected.

John Smith Company

Sample

Select the item from the

list and press Item Detail.



Item Detail:

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PAYMENT SCHEDULE MODULE

MAIN MENU

This is the main page for the Payment Schedule module in ACH Monitor. By clicking Search you will be able to set up, view and/or make changes to your payment schedules.

At this screen below, you will select the desired ACH file name and year that you wish to set up, view or change. Once you have made your selections, click Add to advance to the next screen.

Note: To modify an existing Payment Schedule in the system, select the ACH file name and year that you wish to change and click Modify to advance to the next screen.

John Smith Company

John Smith Company

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To modify the existing Payment Schedule shown below, simply select the days of expected ACH origination activity or the days that the Bank should expect to receive ACH files. To proceed, press Save to confirm changes to the payment schedule.

John Smith Company

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If this is your first time accessing this screen, you can set up the payment schedule by clicking on the applicable days on each

calendar page. If you are returning to this schedule, you can review it and make changes. Once you have set up or modified the

schedule, click Save to advance to the next screen.


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APPENDIX: EMAIL NOTIFICATIONS



EMAIL NOTIFICATIONS

A major feature of the ACH Monitor service is the wide array of email notifications that are sent to users enrolled for various

services. Emails are triggered by different events and are sent automatically from the service. The Direct Transmission

package comes standard with the applicable email notifications included. This allows you to stay informed of relevant payment

activities without having to be actively logged in to ACH Monitor.

All emails are sent to the user(s) assigned to receive them. The user who initiated the action receives an email notification, as

well as the ACH Monitor System Administrator and any other user programmed to receive the same notification.

Email notifications are encrypted using secure email encryption software. The first time that you receive a secure email from

M&T, you will need to register as a new recipient. You only need to register once to continuously view secure email messages

from M&T.

Listed on the following pages are the emails applicable to the File Monitoring and Payment Schedule modules of ACH Monitor

services. You may choose to receive all emails for both services, or select emails based on your preferences.

If you wish to make any changes to your ACH Monitor service, including electing to receive or suppress email notifications,

please contact your dedicated Treasury Management Consultant.



DIRECT TRANSMISSION PACKAGE EMAIL

NOTIFICATIONS: EMAIL NOTIFICATIONS FOR FILE

MONITORING

ACH MONITOR - ACH FILE RECEIVED FOR PROCESSING (F800)

This email provides notification that the ACH file submitted was received by M&T Bank. See below sample:

From: <[email protected]>

To: <[email protected]>

Date: 5/20/2008 11:23 AM

Subject: ACH Monitor - ACH File Received for Processing (F800)

ACH Monitor - ACH File Received for Processing

The ACH file noted below was received by the Bank for processing:

File Header Information

Originator ID / Name: 031301192 – ABC SYSTEMS, INC Processor ID / Name: 031302955 M&T BANK

File Creation Date / Time: 05/20/08 14:47

File ID Modifier: A

File Trailer Totals

Entry/Addenda Count: 9

Total Credit Amount:2518.10

Total Debit Amount:2518.10

Please do not reply to this email message. If you wish to contact us regarding your MTB ACH Monitor service please

contact MTB Treasury Management and Merchant Customer Service at 1.800.724.2240.





ACH MONITOR - ACH FILE SUCCESSFULLY PROCESSED (F815)

This notification confirms that the ACH file you submitted was successfully processed by M&T Bank. See below sample:



Date: 5/20/2008 11:38 AM

Subject: ACH Monitor - ACH File Successfully Processed (F815)

ACH Monitor - ACH File Successfully Processed

The ACH file noted below was successfully processed by the Bank:

File Header Information:

Originator ID / Name: 031301192 – ABC SYSTEMS, INC

Processor ID / Name: 031302955 M&T BANK

File Creation Date / Time: 05/20/08 14:47

File ID Modifier: A

File Trailer Totals

Entry/Addenda Count: 9 Total Credit Amount:2518.10 Total Debit Amount:2518.10

Processed Totals (calculated by the ACH processing system)

Entry/Addenda Count: 9 Total Credit Amount:2518.10 Total Debit Amount:2518.10

Date / Time Processed: 05/20/2008 11:32

Please do not reply to this email message. If you wish to contact us regarding your MTB ACH Monitor service, please contact

MTB Treasury Management and Merchant Customer Service at 1.800.724.2240.





EMAIL NOTIFICATIONS FOR THE PAYMENT SCHEDULE

ACH MONITOR - SCHEDULED ACH FILE NOT RECEIVED (S701)

This email provides notification that M&T Bank did not receive an ACH file as you have scheduled. See below sample:



Date: 5/16/2008 10:02 AM

Subject: ACH Monitor - Scheduled ACH File Not Received (S701)

ACH Monitor - Scheduled ACH File Not Received for Processing

The ACH file noted below was scheduled to be processed today, but has not yet been received by the Bank:

Schedule Description: ABCSYSTEMSDIRECT Processing Date: 05/16/2008

Please do not reply to this email message. If you wish to contact us regarding your MTB ACH Monitor service please contact

MTB Treasury Management and Merchant Customer Service at 1.800.724.2240.





ACH MONITOR - UNSCHEDULED ACH FILE RECEIVED FOR PROCESSING (S702)

This email provides notification that M&T Bank received an ACH file, but that it was not scheduled.



Date: 5/20/2008 11:38 AM

Subject: ACH Monitor - Unscheduled ACH File Received for Processing (S702)

ACH Monitor - Unscheduled ACH File Received for Processing

An unscheduled ACH file was received by the Bank. If matching Control Totals were submitted by your organization, then the

file has been processed:

Processing Date: 05/20/2008

SCHEDULE INFORMATION

Schedule Description: ABCSYSTEMSPAYROLL

Schedule Year: 2008







ACH MONITOR - ANNUAL SCHEDULE UPDATE REMINDER (S002)

This email is a reminder to set up your payment schedule for the next calendar year. See below sample:



Date: 5/19/2008 9:02 AM

Subject: ACH Monitor - Annual Schedule Update Reminder (S002)

ACH Monitor - Annual Schedule Update Reminder

Please don't forget to modify your ACH Payment Schedule for:

Calendar Name: ABC SYSTEMS/ PAYROLL

Year: 2009







CONTACT US

WE ARE HERE TO ASSIST YOU.

For ACH Monitor and other Treasury Management services, please contact your Treasury Management Consultant or call

M&T’s Commercial Service Team at:

1 (800) 724-2240 MONDAY – FRIDAY 8AM TO 6PM ET

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