CDA Manual revised Dec 8, 2004 1 BANK OF MONTREAL CLIENT DIRECT ACCESS WEB USER GUIDE Welcome to Correspondent Banking Client Direct Access. You can choose a function by clicking on a selection on the left. HARRIS BANK INTERNATIONAL Instructions: To access correspondent banking information please make a selection below. Inquires Account Detail (Current Day) Account Detail (Previous Day) Account Balance Account Statement Concentrator Detail Consolidated Balance Stop Payment Transfers Transfer to a third party Transfer between accounts Process Script Script Administration Output Administration Other Services Stop Payment Setup
Transcript
CDA Manual revised Dec 8, 2004 1
BANK OF MONTREAL
CLIENT DIRECT ACCESS WEB USER GUIDE
Welcome to Correspondent Banking Client Direct Access. You can choose a function by clicking on a selection on the left.
HARRIS BANK INTERNATIONAL
Instructions: To access correspondent banking information please make a selection below.
Financial Transactions 30 Account Transfer Screen 31 Transfer between Account Confirmation Screen 32 Transfer Between Account Complete Screen 33
Financial Transactions - Transfer to a Third Party 34 Transfer to a Third Party Screen 34 Transfer to a Third Party Confirmation Screen 35
Other Services - Stop Payment Setup
Process Script 42
Process Script - Building a Script 43
Build a script function selection screen 43 Account selection 44 Build a script function selection screen confirmation of script 45 Script Information Entry – Name and Description 46 Back to script administration screen new Script name displayed and confirmation 47
Process Script - Scheduling the Script. 48
Add Script Schedule 49 After adding a Schedule Screen 50
Delete Schedule 51 Delete a Schedule Confirmation screen 52 Delete a Schedule Completion Screen 53
Process Script - Maintaining an Existing Script 54
GLOSSARY 55
CANADIAN HOLIDAYS 56
CORRESPONDENT BANKING DEPOSIT SYSTEM (CBDS) DDA REASON CODES 57
CDA Manual revised Dec 8, 2004 4
Introduction to CDA Web
Overview Client Direct Access Web (CDA Web) provides Bank of Montreal Correspondent Banking Clients access to their account data via the Internet. With the use of Netscape Navigator1browser (version 4.78 to V6.2) or Microsoft2 Internet Explorer browser (version 5.0 to V6.0) you will communicate with Bank of Montreal’s host system. All data transmitted are encrypted to protect against misuse of the information and fraud. CDA Web provides three types of facilities: • The ability to inquire on your accounts • The ability to move funds between your accounts and third party accounts maintained at
Bank of Montreal. • The ability to schedule activities which can be executed at a pre-defined time. Help screens are provided for critical functions. Our Client Service HelpDesk Team is available 07:30 to 19:00 ET Monday to Friday. Phone number within North America 1 800 565 6444 or 416 867 4818 outside North America. The Help Desk Team is not available during Canadian holidays. A list of Canadian Holidays is provided at the end of this guide.
1 Netscape Navigator is a registered trademark of Netscape Communications Corporation in the U.S. and other countries. 2 Microsoft is a registered trademark of Microsoft Corporation in the United States and/or other countries.
CDA Manual revised Dec 8, 2004 5
Customer Implementation
Introduction This chapter identifies the software and hardware requirements for CDA Web. Internet Browser Requirements Customer Identification requirements Delivery of Customer ID, Password and PUA Device
Internet Browser Requirements In order to access CDA Web you must have at a minimum either Netscape Navigator3 browser version 4.78 to V6.2 or Microsoft4 Internet Explorer browser version 5.0 to V6.0. Clients with Internet Explorer will need to change their default settings as follows: Internet Explorer V5.0 • Click on Tools, then Internet Options • Under Temporary Internet files, click on Settings • Select option “Every visit to the page” and click on OK • Click on OK to exit out of the Tools selection
Customer Identification Requirements CDA Web Implementation team will provide you with the required CDA Web user ID and password. The CDA Web Implementation team is responsible for assigning and maintaining the User Ids. Should you require a currently assigned user ID to be changed for a valid reason, you must contact the CMS Client Service area and identify your requirements. This can be done either by phone, fax or e-mail. Each CDA Web user is assigned a unique User ID. It may be known to others in your organization, the “password” however is private and unique identification assigned to limit unauthorized access. When logging on, the “user id” is displayed on the screen, but the password field is filled with asterisks and the actual password is not visible when entered for security protection.
Delivery of the USERID, Password and Positive User Authenticating Device (PUA) Device The CDA Web Implementation team is responsible to ensure the delivery of the CDA Web User ID, password and PUA to the customer’s site. 3 Netscape Navigator registered trademark of Netscape Communications Corporation in the U.S and other countries 4 Microsoft is a registered trademark of Microsoft Corporation in the United States and /or other countries
CDA Manual revised Dec 8, 2004 6
A Positive User Authentication device (PUA) is required to sign on to CDA Web. It provides additional authentication of the CDA Web User to the host system. The PUA like the “password” is private and unique to the CDA Web User and can not be shared. The PUA device is the property of Bank of Montreal. If for any reason the contract between the CDA Web user and Bank of Montreal is terminated, the PUA must be returned to the CDA Web Implementation team. Delivery will be by courier at no expense to the user.
CDA Manual revised Dec 8, 2004 7
Sign On User ID and Password Tight security measures have been implemented to ensure that your data is maintained in a secure and controlled environment. Several levels of security for sign on must be successfully achieved to be recognized as an authorized CDA Web user. CDA Web Implementation team will control and provide CDA Web users with the following user sign on identification and password. • CDA Web User ID • Password You may access CDA Web in two ways. 1.You may go directly to our URL www.bmocda.com. You will be requested to enter your CDA WEB User Id and password. Your user id will be in the format CDAA### and your password will be provided in a sealed envelope. Please note the password is permanent. If you have requirements that call for your password to be changed periodically arrangements can be made to do so by contacting CMS HELP DESK. Users cannot change their own passwords by accessing the site. If an invalid password is entered more than 8 times the User Id will be revoked.
Basic User Authentication Screen For Netscape user:
Enter User name for CDA login at www.bmocda.com User Name: Password:
OK Cancel
Username and Password Required
CDA Manual revised Dec 8, 2004 8
Sign On User ID Password continued For Internet Explorer user:
Enter Network Password
Please type your user name & password Site www.bmocda.com Realm CBDS-CDA_Login User Name Password Save this password in your password list
OK Cancel
CDA Manual revised Dec 8, 2004 9
Sign On Home Page Once identified and accepted you will be brought to our Correspondent Banking Centre Home page. At the Home Page you will click on the “sign on” button. Home page for CDA Canada
Correspondent Banking Centre CONTACT | SIGN ON
Francais
Welcome to Bank of Montreal Group of Companies International Operating Services Is about innovative products and services that meet your needs. We deliver solutions and information you require to mobilize your funds, reduce your risk and succeed in international business. Web CDA Brings Bank of Montreal to you CDA Web provides • Access to your accounts • Real time transaction and balance information • Transfer between your own accounts and/or to third party Bank of Montreal
accounts • Pre-defined Access-scripting and scheduling account information • Export functions, SWIFT, BAI II, ASCHII and AS IS Contact your Relationship Manager for CDA Web and other International products and services: Payments, ESQwire, Deposits & Clearings, Information Services.
CBDS Customer Direct Access
CDA Manual revised Dec 8, 2004 10
Sign On Challenge /Response If access is confirmed you are presented with the challenge /response screen. The challenge number is shown on the screen and you will enter the response number. Refer to the next page for instructions. CDA Web Implementation team will provide you with the Positive User Authenticating Device (PUA) which you will use to calculate the response number. CDA Challenge/Response Screen JUST A REMINDER To safeguard your security, please remember to Sign-out and exit your browser when finished using Client Direct Access. Please enter your response, then click on the process button to proceed.
Challenge Number Response Number
1234567
Correspondent Banking Centre CONTACT
Help
HARRIS BANK INTERNATIONAL
CDA Manual revised Dec 8, 2004 11
Sign On Positive User Authenticating Device (PUA) The Positive User Authenticating Device (PUA) provided by CDA Web Implementation team is required to respond to the challenge number. Upon receipt of your PUA device you must set the Personal Identification Number (PIN). Follow the instructions, which have been supplied with the PUA device, to set your personal PIN. Note: a second PIN is not required. It is very important the PIN number you select is one which you will remember. The PUA’s cannot be reset on site but must be returned to the Bank of Montreal to be reset. If you are unclear as to how to set the PIN please contact the CMS HELP DESK. The PUA has a very long life provided it is used only for the purpose it is intended i.e. authenticating the user to the CDA system. The PUA should not to be used as a calculator. You have defined a Personal Identification Number (PIN), which you must now enter into the PUA, followed by the challenge number, which is presented by the system. The PUA will in turn provide a number to you. You must now respond to the system with this number. The number, which, is displayed in the PUA window, is to be keyed from your keyboard. Do not use spaces or hyphens when keying. Should the number not match the expected response, you will be provided with a new challenge number and you must repeat the above sequence to recalculate a new response number. Failure to enter the correct response number after 3 attempts will lock your CDA Web User Id and contact with the CMS HELP DESK will be required to reset your ID. NOTE: If is very important that you enter the correct PIN number on the PUA. If you entered the wrong PIN number on the PUA, there will be no message to prompt you to enter a correct one. Instead, if a wrong PIN is entered into the PUA, the response provided by the PUA will not match the one the system generates. After 3 tries, your User ID will be revoked and for security reasons, there will be no error message telling you that your User ID is revoked. The following instructions will assist you in the use of the PUA. • Turn on PUA • Press red button • Enter PIN number • Press the equal “=” sign • Enter the challenge number from the PC • Press the equal “=” sign • Enter into the PC the number created by the PUA (no hyphens or spaces to be entered) Once the response number has been accepted by the system turn the PUA off. These steps are required every time you access CDA Web.
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Sign On Main Menu Having passed through the various levels of security, you are presented with CDA Web Main Menu selection. By clicking on the selections in the left navigational bar you can access your account information, initiate transfers and create and schedule scripts. CDA Main Menu
Correspondent Banking Centre HOST TIME | CONTACT | LOG OUT
Help
Welcome to Correspondent Banking Client Direct Access. You can choose a function by clicking on a selection on the left.
HARRIS BANK INTERNATIONAL
Instructions: To access correspondent banking information please make a selection below. Inquires
Transfer to a third party Transfer between accounts
Process Script
Script Administration Output Administration
CDA Manual revised Dec 8, 2004 13
Sign On bmo.com 2. You may also access CDA Web via Bank of Montreal’s home page www.bmo.com. Click on Corporate & Institutional Home page; Product and Services; Treasury Services; Correspondent Banking and then CDA Web.
Sign Off After each session on CDA Web you want to make sure you exit not only CDA but also your browser. By clicking on the “log out” button you will be brought to the sign off page. You may wait the 10 seconds or click on the CDA Home page link. From the Home page you should always close you browser and clear your cache.
Signoff screen You have successfully logoff from the Customer Direct Access System. In ten seconds you will be transferred to the CDA home page. Please click on Return to CDA home page below if you are not transferred in ten seconds.
Return to CDA home page
Correspondent Banking Centre HOST TIME | CONTACT | LOG OUT
Help
CDA Manual revised Dec 8, 2004 14
Escalation We have within CDA Web a contact page for your convenience. Please phone or fax to quickly address your concerns or questions regarding CDA Web. Support is available from Monday to Friday 07;30 to 17:00 ET. Help Desk Team toll free within North America 1 800 565 6444 Outside North America 416 867 4818 After hours support is available directly from our Enterprise Help Desk 17:00 to 08:30 ET. Note: the Enterprise Help Desk will/can not reset USER Ids or passwords. You must contact the CDA Web Implemenation team for resolution. If contacting our Enterprise Help Desk please phone 1-877-343-4343 pin# 6888 Identify yourself as a CBDS CDA WEB USER. This will allow the agent to quickly provide assistance. You should also have available if required your CDA Web User ID. The CDA Web User ID format is CDAA ###. Trouble shooting you can do. What browser are you using? CDA Web supports only Netscape Navigator version 4.5 or higher or Microsoft Internet Explorer version 4.0 or higher. If your browser is of a lower version you will not be able to access CDA Web. Timing out? If you use Microsoft Internet Browser make sure you have adjusted the default settings as indicated on page 5. How many times did you key your CDA Web User ID and password? If more than 8 times your user ID will be revoked and you must contact CDA Web Implemenation team to have it reset. How many times did you key your challenge/response number? If more than 3 times your user ID will be revoked and you must contact CDA Web Implemenation team to have it reset. Can not make a connection to WWW.BMOCDA.COM. If you have booked marked our address is it correct? Try starting from the beginning not using the bookmark but using www.bmocda.com. If you have tried accessing CDA Web via www.bmocda.com without success close out your browser and initiate a new attempt via www.bmo.com (refer to CDA WEB manual page 13). If you are still unsuccessful please contact CMS HELP DESK for assistance.
CDA Manual revised Dec 8, 2004 15
Inquiries CDA Web system allows real-time access to inquire into balances and activities of those accounts, which you are authorized to access. These accounts are domiciled on Bank of Montreal Correspondent Banking Deposit System (CBDS) host system When you invoke an inquiry request, you are presented with a list of accounts you are authorized to view. Only accounts with a normal status of “open” will be presented for viewing. Inquiry screens available are: • Account Detail Inquiry (Current Day) • Account Detail Inquiry (Previous Day) • Account Balance Inquiry • Account Statement Inquiry • Consolidated Balance Inquiry • Concentrator Details Inquiry • Stop Payment Inquiry
CDA Manual revised Dec 8, 2004 16
Inquiries - Account Detail Inquiry (Current Day) Purpose: to display the account activities for accepted transactions for specific
account(s) from the start of the current day up to the moment of access. Overview: You must be authorized to use this function.
Authorized CMS HELP DESK operators can emulate this inquiry.
Information will be obtained by highlighting one or more accounts either by clicking and dragging the mouse down the list of accounts or by holding down the Control button and highlighting individual accounts. Once the accounts have been selected click on the Process button and the results will be presented.
Account Details Inquiry Account Selection List Account Details Inquiry Account Selection List
Correspondent Banking Centre HOST TIME | CONTACT | LOG OUT
Help
Process
Account Detail (Current Day) Inquiry Select up to 22 accounts and click the Process button
Transfer to a third party Transfer between accounts
Process Script
Script Administration Output Administration
CDA Manual revised Dec 8, 2004 17
Account Details Inquiry Screen (Current Day) Results Current Day Account Detail Report
Current Day Account Details Inquiry for: 31434500011 At 13:57 on 03 MAR 2000 Currency: USD Name: ACCOUNT FULL NAME Post Value Typ Amount Ledger Balance Available Balance ────────────────────────────────────────────────────────────────────────────── TODAY'S OPENING BALANCE 10,000.00CR 10,000.00CR 03MAR00 03MAR00 STO 20,000.00CR 30,000.00CR 30,000.00CR STOPC ------------------- ------------------- CURRENT BALANCE 30,000.00CR 30,000.00CR As is Comma Delimited ASCII SWIFT BAI Version II
Export
Go to CDA Main Menu
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Help
CDA Manual revised Dec 8, 2004 18
Inquiries - Account Detail Inquiry (Previous Day) Purpose: to display the account activities for accepted transactions for specific
account(s) from the start of the previous day up to the close of the previous day.
Overview: You must be authorized to use this function.
Authorized CMS HELP DESK operators can emulate this inquiry. Information will be obtained by highlighting one or more accounts either by clicking and dragging the mouse down the list of accounts or by holding down the Control button and highlighting individual accounts. Once the accounts have been selected click on the Process button and the results will be presented.
Account Details Inquiry Account Selection List Account Details Inquiry Account Selection List
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Process
Account Detail (Previous Day) Inquiry Select up to 22 accounts and click the Process button
Previous Day Account Details Inquiry for: 31443340011 At 13:57 on 03 MAR 2000 Currency: CAD Name: ACCOUNT FULL NAME Post Value Typ Amount Ledger Balance Available Balance ────────────────────────────────────────────────────────────────────────────── YETERDAY's OPENING BALANCE 10,000.00CR 10,000.00CR 02MAR00 02MAR00 STO 10,000.00CR 30,000.00CR 30,000.00CR STOPC ------------------- ------------------- PREVIOUS BALANCE 30,000.00CR 30,000.00CR As is Comma Delimited ASCII SWIFT BAI Version II
Export
Go to CDA Main Menu
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Help
CDA Manual revised Dec 8, 2004 20
Inquiries - Account Balance Inquiry
Purpose: to display the current balances (available and ledger) for the selected CBDS account(s) at the time of inquiry.
Overview: You must be authorized to use this function.
Authorized CMS HELP DESK operators can emulate this inquiry. Information will be obtained by highlighting one or more accounts either by clicking and dragging the mouse down the list of accounts or by holding down the Control button and highlighting individual accounts. Once the accounts have been selected click on the Process button and the results will be presented.
Account Balance Inquiry Account Selection List
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Help
Process
Account Balance Inquiry Select up to 22 accounts and click the Process button
Note: SWIFT and BAI II format is not supported for Account Balance Inquiry.
Export
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CDA Manual revised Dec 8, 2004 22
Inquiries - Account Statement Inquiry
Purpose: to display the account activities, transactions and balance for specific accounts from the beginning of a statement cycle to the end of the cycle whether the statement cycle is daily, weekly, semi monthly or monthly.
Overview: You must be authorized to use this function.
Authorized CMS HELP DESK operators can emulate this inquiry. Information will be obtained by highlighting one or more accounts either by clicking and dragging the mouse down the list of accounts or by holding down the Control button and highlighting individual accounts. Once the accounts have been selected click on the Process button and the results will be presented.
Account Statement Inquiry Selection
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Help
Process
Account Statement Inquiry Select up to 22 accounts and click the Process button
Transfer to a third party Transfer between accounts
Process Script
Script Administration Output Administration
CDA Manual revised Dec 8, 2004 23
Account Statement Inquiry Screen
Account Statement Inquiry Report
Account Statement Inquiry for: 31431143101 At 13:57 on 15MAR2000 Currency: CAD Name: CCB-101 Last Stmt Date:29FEB2000 Post Value Typ Amount Ledger Balance Available Balance ────────────────────────────────────────────────────────────────────────────── OPENING BALANCE 10,000.00DR 10,000.00DR 01MAR00 01MAR00 CTD 10.OOD 10,010.00DR 10,010.00DR CHANTON CD00007 31431143102 TRANSFER DEBIT 10.00 06MAR00 06MAR00 CTD 30.00DR 10,040.00DR 10,040.00DR CHANTON CD00009 31431143303 TRANSFER DEBIT 30.00 07MAR00 07MAR00 CTC 45.00CR 9,995.00DR 9,995.00DR CHANTON CD00012 31431143102 TRANSFER 45.00 15MAR00 15MAR00 CTD 250.00DR 10,245.00DR 10,245.00DR CHANTON CD00013 31431143304 TRANSFER 250.00 ------------------- ------------------- CURRENT BALANCE 10,245.00DR 10,245.00DR
As is Comma Delimited ASCII SWIFT BAI Version II
Export
Go To CDA Main Menu
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CDA Manual revised Dec 8, 2004 24
Inquiries - Consolidated Balance Inquiry
Purpose: to display the individual ledger and available balances for all authorized accounts and a sum total by currency. Balances will be consolidated among accounts dominated in the same currency.
Overview: You must be authorized to use this function.
Authorized CMS HELP DESK operators can emulate this inquiry. You will be prompted to select one of the consolidated levels: • All Accounts • Exclude Client Accounts (Nostro account(s) only) • Client Accounts Only
Consolidated Balance Inquiry Consolidation Level Selection List
All accounts Exclude Client Accounts Client Accounts only
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Help
Consolidated Balance Inquiry Highlight consolidated level you require
Process
Instructions: To access correspondent banking information please make a selection below. Inquires
Transfer to a third party Transfer between accounts
Process Script
Script Administration Output Administration
CDA Manual revised Dec 8, 2004 25
Consolidated Balances Inquiry Results
Consolidated Balance Inquiry Report
Consolidated Balance Inquiry for: 001234 At 14:08 on 03MAR2000 Account CCY Ledger Balance Available Balance ────────────────────────────────────────────────────────────────────────────── 31434100001 CAD 3,970.82CR 3,970.82CR 31434100044 CAD 13,019.00CR 13,019.00CR 31434100055 CAD 19,714.00CR 19,714.00CR 31434100077 CAD 52,399.00CR 52,399.00CR 31434100088 CAD 30,402.00CR 30,402.00CR ---------------------- ---------------------- TOTAL CAD 119,504.82CR 119,504.82CR 31434100011 USD 20,000.00CR 20,000.00CR ---------------------- ---------------------- TOTAL USD 20,000.00CR 20,000.00CR As is Comma Delimited ASCII SWIFT BAI Version II
Note: SWIFT and BAI II formats are not supported for Consolidated Balance Inquiry.
Export
Go to CDA Main Menu
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Help
CDA Manual revised Dec 8, 2004 26
Inquiries - Concentrator Detail Inquiry
Purpose: to display in detail, all accepted Concentrator Deposit Transfer Service transactions from the previous business day to the moment of access for specified accounts. Note: the concentrator summary option at the account level must be in place in order for the transactions to be displayed via this screen.
Overview: You must be authorized to use this function.
Authorized CMS HELP DESK operators can emulate this inquiry. Information will be obtained by highlighting one or more accounts either by clicking and dragging the mouse down the list of accounts or by holding down the Control button and highlighting individual accounts. Once the accounts have been selected click on the Process button and the results will be presented.
Concentrator Details Inquiry Account Selection List Process
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Help
Concentrator Details Inquiry Select up to 22 accounts and click the Process button
Transfer to a third party Transfer between accounts
Process Script
Script Administration Output Administration
CDA Manual revised Dec 8, 2004 27
Concentrator Details Inquiry Results
Concentrator Details Report
Concentrator Details Inquiry for 000012 31440023123 at 09:53 on 02 Mar 2000 Post Value Branch Amount Bank Reference Your Reference Narrative
Previous Day's Total 0.00 02MAR00 02MAR00 3143 3,000,111,222,111.00CR 0234B123400293 123456345555 This is a test 02MAR00 02MAR00 3143 213,432,333.22CR 0324B123400293 239943444455 Test case 2 02MAR00 02MAR00 3143 224.00CR 4534B123400293 985434543444 Test Case 3 Current Day's Total 3,000,324,654,668.23CR As is Comma Delimited ASCII SWIFT BAI Version II
Export
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Help
CDA Manual revised Dec 8, 2004 28
Inquiries – Stop Payment Inquiry
Purpose: to display in detail, all outstanding stop payments which have been set up for the selected account.
Overview: You must be authorized to use this function. Authorized CMS HELP DESK operators can emulate this inquiry.
Contents: Account Number Stop payment reference Stop amount Date Cheque was issued Cheque number and Payee name Contact person Contact person’s phone number Stop payment setup date/time
Information will be obtained by highlighting one or more accounts either by clicking and dragging the mouse down the list of accounts or by holding down the Control button and highlighting individual accounts. Once the accounts have been selected click on the Process button and the results will be presented.
Correspondent Banking Centre HOST TIME | CONTACT | LOG OUT
Help
Stop Payments Inquiry
Select an account and click on the process button:
Process
Instructions: To access correspondent banking information please make a selection below.
Stop Payment Inquiry for: 31430001234 At 13:57 on 15JAN2001 Currency: CAD Name: CCB-101 Last Stmt Date:29FEB2000 Ref. Cheque Date Payee Name/ Contact Setup Date/ No. Amount issued Cheque No. Name Time 00004 1000.00 07 Jan 2000 0106 Wholesale Limited Jane Doe
416-222-3333 08-01-2000
00123 122,000.45 20 Dec 2000
0012 Bank One Jane Doe 416-222-3333
21-12-2000 20:35
00349 200.00 21 Dec 2000
0013 Disney World Ltd. John Who 416-222-4444
22-12-2000 09:23
04325 300.25 21 Dec 2000
0079 National Bank of Canada
Jane Doe 416-222-3333
22-12-2000 15:30
As is Comma Delimited ASCII SWIFT BAI Version II
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Help
Go to CDA Main Menu
Export
CDA Manual revised Dec 8, 2004 30
Financial Transactions CDA Web provides the ability to perform two types of funds movement • Account Transfer • Transfer to a third party All such activities MUST be prearranged in the system. Based on the user’s account profile, the system will determine whether the transfer is from a CBDS* account to another CBDS account or from a CBDS account to a MECH* account. Note: MECH is the only other Bank of Montreal host system between which CBDS/CDA can affect transfers and third party transfers. Once a transfer has been processed, you will not be able to reverse a transfer transaction. Any such request to reverse the transfer transaction must be made through the Correspondent Banking Service unit where your account(s) are maintained. As indicated you may not reverse (error correct) a transaction but you may in some instances process an opposite transfer. For security reasons, the CMS HELP DESK operator can not emulate financial transactions. If while processing a financial transaction, communication is lost before completion of the transfer, perform an inquiry using the Account Detail (Current Day) Inquiry to determine the success or failure of the transaction. You are not able to inquire on a MECH account only on the CBDS accounts. All transfer transactions are done on a dated basis. *CBDS- Correspondent Bank Deposit System - International Demand Deposit Accounting system *MECH- Domestic (Canada wide) - Demand Deposit Accounting system
CDA Manual revised Dec 8, 2004 31
Financial Transactions - Account Transfer Purpose: to transfer funds between any two authorized accounts. Both accounts must
belong to the customer associated with the user. Overview: Transfers can be made from a CBDS account to another CBDS account, from a
CBDS to a MECH account and from a MECH account to a CBDS account. All accounts must have the same customer relationship and must be of the same currency.
Account selection will only include accounts whose status is “open”. Accounts with
status of refer, blocked, dormant, or pending closed will not be included in the presented accounts selection list even if authorized in the account profile. Credits only will be accepted if the account status is held.
You have the option of entering a 16 character Account Owner’s reference plus a
34 character Transaction reference. If nothing is entered, default is to the “to” account character transaction description field.
Account Transfer Screen
Process
Select Account
Select Account
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Transfer Between Accounts
Transfer From: Transfer To: Transfer Amount: Your Reference: Transaction Description:
Instructions: To access correspondent banking information please make a selection below. Inquires
Transfer to a third party Transfer between accounts
Process Script
Script Administration Output Administration
CDA Manual revised Dec 8, 2004 32
Transfer between Account Confirmation Screen
OK Cancel
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Help
Transfer Between Accounts Check your information and click the OK button to submit your request.
From Account: 31440000023 CAD To Account: 31693344332 CAD Amount: 20,006.24 Your Reference: Transfer to CCB account Transaction Description: This is a test for transfer
Instructions: To access correspondent banking information please make a selection below. Inquires
Transfer to a third party Transfer between accounts
Process Script
Script Administration Output Administration
CDA Manual revised Dec 8, 2004 34
Financial Transactions - Transfer to a Third Party Purpose: To transfer funds to an authorized account belonging to a third party account
maintained at a Bank of Montreal office. Overview: Transfer to a third party can be made from the user’s CBDS account to a third party
on MECH or CBDS. The set of eligible third party accounts are pre-determined and authorized using the account function profile. Accounts must be in the same currency.
Account selection will only include accounts whose status is “open”. Accounts with
status of refer, blocked, dormant, or pending closed will not be included in the presented accounts selection list even if authorized in the account profile. Credits only will be accepted if the account status is held.
You have the option of entering a 16 character Account Owner’s reference plus a
34 character Transaction reference. If nothing is entered, default is to the “to” account character transaction description field.
Transfer to a Third Party Screen Process
Select Account
Select Account
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Help
Transfer to a Third party
Enter Amount to be paid: From Account: To Account: Your Reference: Transaction Description:
Instructions: To access correspondent banking information please make a selection below. Inquires
Transfer to a third party Transfer between accounts
Process Script
Script Administration Output Administration
CDA Manual revised Dec 8, 2004 35
Transfer to a Third Party Confirmation Screen
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Help
OK Cancel
Transfer to a Third party Check your information and click the OK button to submit your request.
From Account: 31440000023 CAD To Account: 31693344332 CAD Amount: 20,006.24 Your Reference: Transfer to CCB account Transaction Description: This is a test for transfer
Instructions: To access correspondent banking information please make a selection below. Inquires
Transfer to a third party Transfer between accounts
Process Script
Script Administration Output Administration
CDA Manual revised Dec 8, 2004 37
Other Services – Stop Payment Set Up
Purpose: to place a stop payment on a draft/cheque, which has been, issued against your account maintained on Correspondent Banking Deposit System (CBDS). The Stop payment placed via CDA Web is real time on-line and requires no further communication i.e. SWIFT message to be sent to the CBS Department.
Overview: Account number: Mandatory
Select from the drop down menu NOTE: Referred, blocked, dormant, held or closed Accounts will not be included in the presented account selection list even if authorized in the account profile.
Cheque amount Mandatory Enter the amount of cheque with commas and decimal points 12 or fewer numbers. Refer to Help screen for further information
Date Issued Mandatory Enter the date cheque issued in format DD/MM/YYYY . Weekend dates, holiday dates are not accepted. Refer to Help Screen for further
information.
Cheque Number Mandatory And payee Name Specify the payee of the cheque and/or the cheque number. Up to 35 alphanumeric characters available. Contact Person Mandatory Specify the contact person if there is any questions regarding the stop. Up to 25 characters available. Phone Number Mandatory Specify the phone number of the contact person. 20 alphanumeric characters When placing a stop payment via CDA Web you will receive a confirmation number. Please be advised should at any time you need to delete a Stop Payment you will have to contact the CBS Department to have the Stop Payment removed. You will need to provide the confirmation number to the CBS department when you request the stop payment to be removed. If a draft/cheque is presented for payment for which a stop payment has been placed the CBS Department will return the item for reason payment stopped to the cashing institution and remove the stop payment from your file.
CDA Manual revised Dec 8, 2004 38
Stop Payment Set up Screen
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Stop Payment Setup Enter the following: Account Number Cheque Amount Date issued Cheque number and Payee Contact person’s name Phone number
Process
Select Account
DD/MM/YYYY
Instructions: To access correspondent banking information please make a selection below.
Transfer to a third party Transfer between accounts
Process Script
Script Administration Output Administration
Other Services
Stop Payment Setup Please note that this payment can only be stopped if it has not already been debited from your account. By clicking ‘Process’ above, you agree to hold the Bank harmless for the amount of the payment, as well as for all expenses and costs incurred by the Bank through its refusal to pay the cheque. Furthermore, the Bank is under no obligation to enquire as to any discrepancy between particulars described in this request and any particulars of any cheque presented to it, and you hereby waive and hold the Bank harmless from any claim relating to any such discrepancy. You also hereby waive and hold the Bank harmless from any claim relating to the payment of the said cheque contrary to this stop payment order, unless the payment is made by reason of willful misconduct or gross negligence on the part of the Bank.
CDA Manual revised Dec 8, 2004 39
Stop Payment Set up Confirmation Screen
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OK Cancel
Are you sure you want to process this stop payment?
Stop Payment Setup Account Number 31430000002 CAD Cheque Amount 100.00 Date issued 05/26/2000 Cheque number and Payee 0012 Disney World Ltd. Contact name Jane Doe Phone number (416) 502-7800
Instructions: To access correspondent banking information please make a selection below.
Transfer to a third party Transfer between accounts
Process Script
Script Administration Output Administration
Other Services
Stop Payment Setup
CDA Manual revised Dec 8, 2004 41
Stop Payment Cancel Screen
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Stop Payment Setup Enter the following: Account Number Cheque Amount Date issued Cheque number and payee Contact Person’s name Phone number
100.00
Process
3143 0000002 CAD
05/02/2001
Please note that this payment can only be stopped if it has not already been debited from your account. By clicking ‘Process’ above, you agree to hold the Bank harmless for the amount of the payment, as well as for all expenses and costs incurred by the Bank through its refusal to pay the cheque. Furthermore, the Bank is under no obligation to enquire as to any discrepancy between particulars described in this request and any particulars of any cheque presented to it, and you hereby waive and hold the Bank harmless from any claim relating to any such discrepancy. You also hereby waive and hold the Bank harmless from any claim relating to the payment of the said cheque contrary to this stop payment order, unless the payment is made by reason of willful misconduct or gross negligence on the part of the Bank.
Transaction has been cancelled
Instructions: To access correspondent banking information please make a selection below.
Transfer to a third party Transfer between accounts
Process Script
Script Administration Output Administration
Other Services
Stop Payment Setup
0012 Disney World Ltd.
Jane Doe
(416) 602 7800
CDA Manual revised Dec 8, 2004 42
Process Script
This function provides you with a facility to group frequently executed inquires in a script that can be executed as a single command. Scripts can be executed • Immediately • At a predetermined time and date in the future • Daily at a specified time. You can browse, print or export the output from these inquires to another program. The facility also supports the deletion, renaming, execution and updating of the scripts from a script administration function. Access to scripts and execution output is restricted to the user that set up the script. Authorized CMS HELP DESK operators will have the ability to access all scripts for support purposes. The following CDA Web inquires are available via the Pre Defined Access Facility • Account Detail Inquiry (Current Day) • Account Detail Inquiry (Previous Day) • Account Statement Inquiry • Account balance Inquiry • Consolidated Balance Inquiry • Concentrator Detail Inquiry
The scripts are built using the Script Administration option and the output is retrieved from the Output Administration option.
CDA Manual revised Dec 8, 2004 43
Process Script - Building a Script The process of building a script is very easy. By selecting the account information from the various inquiries you will build your script. Once built you can then schedule it. Build a script function selection screen
Cancel Save Script
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Transfer to a third party Transfer between accounts
Process Script
Script Administration Output Administration
CDA Manual revised Dec 8, 2004 48
Process Script - Scheduling the Script. Once a script has been built, you have the option of adding an automatic scheduling to it. The scheduling function is accessed from the Script Administration Maintain Existing script function. The user is able to perform the following functions: • Add a new schedule • Delete an existing schedule. The schedule information consist of the following: • Time. The next time the script is to be executed (ET). The next time of execution will be
edited to ensure that it will fall within the CBDS on-line processing day. If the CBDS on-line is not available at the time the script is scheduled to be executed, it will execute the next time the system is available. Time must be entered to the nearest quarter hour. EOPD End of Processing Day is an option that can be used instead of a specified time. The EOPD option will cause the script to be executed at the end of the CBDS off-line processing, after the cheque clearing has taken place. For scheduling current day account information to be available the morning of the following day EOPD is the only scheduling choice available.
• Date: The next date the script is to be executed is edited to ensure it is a regular CBDS
processing day. CBDS is closed for Canadian National Holidays only. • Frequency: Schedules may be prepared for daily execution or a specific date and time may
be indicated. If a schedule is not a daily schedule it will be deleted by the system after the script is executed.
The scheduled script will run and is available for viewing and exporting from the Output Administration function. The output will reside in the Output Administration screen for a period of 5 days then will automatically be removed from the screen. For example on Day 6, Day 1’s script information will no longer be available.
CDA Manual revised Dec 8, 2004 49
Add Script Schedule This function will allow a user to add a schedule to an existing script or if no schedule exists for the script. .
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Process Cancel
Add a Schedule Automatic scheduling information for : CATY1A Next Execution Time: 17:00 (hh:mm, EOPD or BTCH) Next Execution Date: 31DEC2000 (ddmmmyyyy) Run Daily: NOTE: Use ‘BTCH’ only for Account Statement Inquiry Scripts.
Y
Instructions: To access correspondent banking information please make a selection below. Inquires
Transfer to a third party Transfer between accounts
Process Script
Script Administration Output Administration
CDA Manual revised Dec 8, 2004 54
Process Script - Maintaining an Existing Script This function is accessed from the Script Administration selection. It lists all the scripts you have preciously created. By selecting the EDIT button a script can be modified by adding, or deleting accounts or options. It is important to the integrity of the system that you modify your scripts when accounts are closed and no longer required. The CDA Web help desk can access your scripts via emulation to assist in the building or modification of the scripts and scheduling.
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Execute Immediately
Rename Delete
Schedule Build a new script
Edit
Maintain Scripts Highlight script for processing and click on the appropriate button.
Name Description Last Update CATY1A Acct. Detail Inq. 13:19 31MAR2000 DET1A Statement Inq 20:02 31MAR2000 NEWSCRIP New Script 09:12 31MAR2000
Instructions: To access correspondent banking information please make a selection below. Inquires
Transfer to a third party Transfer between accounts
Process Script
Script Administration Output Administration
CDA Manual revised Dec 8, 2004 55
Glossary BAI Bank Administration Institute CBS Correspondent Banking Services CBDS Correspondent Banking Deposit System CMS Help Desk Operator or CMS Implementation team Branch internal user authorized to support CDA customers. EOPD End of Processing Day SWIFT Society for Worldwide International Financial Transactions User Within this document, user refers to external user
CDA Manual revised Dec 8, 2004 56
Canadian Holidays New Years Day January 1 If the 1st falls on a Saturday or Sunday the Monday is given as the holiday Good Friday The Friday before Easter Victoria Day The 24th of May or the Monday prior to the 24th. Canada Day July 1 If the 1st falls on a Saturday or Sunday the Monday is given as the holiday August Civic Holiday* The first Monday in August Labour Day The first Monday in September Thanksgiving The second Monday in October Remembrance Day November 11 If the 11th falls on a Saturday or Sunday the Monday is given as the holiday Christmas Day December 25 If the 25th falls on a Saturday or Sunday the Monday is given as the holiday Boxing Day December 26 If the 26th falls on a Saturday or Sunday the Monday is given as the holiday Note if DEC 25th and 26 fall on a weekend then the Monday Tuesday are given as the holiday. The above is a list of National Holidays. CDA is not available on National Holidays. The Civic Holiday in August is an Ontario Provincial Holiday. No Customer Support is available on that day.
CDA Manual revised Dec 8, 2004 57
Correspondent Banking Deposit System (CBDS) DDA Reason Codes
CBDS Description CBDS DDA Code SWIFT Codes
BAI Code
ASSURED COLLECTION RETURN ITEM
ACR
RTI 691
ASSURED COLLECTION SERVICE
ACS COL 391
CERTIFIED CHEQUE CCK CHK 474 CURRENCY LETTER DEPOSIT
CDP CLR 366
CHARGES/OTHER EXPENSES
CHG CHG 699
CREDIT INTERET ADJUSTMENT
CIA INT 359
CASH (CHEQUE)LETTER DEPOSIT
CLD CLR 187
COLLECTION COL COL 698 COMMISSION COM COM 698 CDA 3RD PARTY PAYMENT CREDIT
CPC TRF 319
CDA TRANSFER CREDIT CTC TRF 391 CDA TRANSFER DEBIT CTD TRF 691 DRAFT/CHEQUE PAID DCP CHK 484 DRAFT SOLD DDS CHK 484 DEFT CREDIT DFC TRF 169 DEFT DEBIT DFD TRF 469 CREDIT INTERST PAID DIP INT 354 DEPOSITED ITEM RETURNED UNPAID
DIR RTI 666
DIVIDIENDS - WARRANTS DIV DIV 391 DORMANT NOTICE FEE DNF MSC 698 DRAFT SOLD REFUNDED DSR CHK 391 FOREGIN EXCHANGE PURCHASE/SALE
