TABLE OF CONTENTS€¦ · Company Profile The Company Profile page and its submenus provide options...

TABLE OF CONTENTS TABLE OF CONTENTS ............................................................................................................................................ 1

ACCESSING THE SYSTEM ..................................................................................................................................... 4 LOGGING IN ............................................................................................................................................................... 4 FIRST TIME LOG-IN ONLY ......................................................................................................................................... 4 UPDATING USER PROFILE, USER PASSWORD, AND SECURITY QUESTIONS ........................................................... 6 ESTABLISHING USER PREFERENCES ........................................................................................................................ 8

SYSTEM ADMINISTRATION ................................................................................................................................. 10

OVERVIEW ............................................................................................................................................................... 10 COMPANY PROFILE ................................................................................................................................................. 11 SETUP/CHANGE/DELETE USERS ............................................................................................................................ 17 ASSIGN USER PERMISSIONS ................................................................................................................................... 20 ESTABLISHING APPROVAL PROCESSES FOR TRANSACTIONS ................................................................................ 36 UNLOCK OR RESET USER PASSWORDS ................................................................................................................. 40 APPROVING USER ADMINISTRATION (IF SECONDARY ADMINISTRATIVE APPROVAL REQUIRED) ............................ 42 AUDIT REPORTS ...................................................................................................................................................... 44

INFORMATION REPORTING ................................................................................................................................ 45 OVERVIEW ............................................................................................................................................................... 45 TIMING AND DEADLINES .......................................................................................................................................... 45 PERMISSIONS, LIMITS, AND APPROVALS ................................................................................................................ 45 PROCEDURES .......................................................................................................................................................... 46 REPORTS ................................................................................................................................................................. 48

STOP PAYMENTS ................................................................................................................................................... 50

OVERVIEW ............................................................................................................................................................... 50 TIMING AND DEADLINES .......................................................................................................................................... 50 PERMISSIONS, LIMITS, AND APPROVALS ................................................................................................................ 50 PROCEDURES .......................................................................................................................................................... 51 REPORTS ................................................................................................................................................................. 53

ACCOUNT TRANSFERS ........................................................................................................................................ 55

OVERVIEW ............................................................................................................................................................... 55 TIMING AND DEADLINES .......................................................................................................................................... 55 PERMISSIONS, LIMITS, AND APPROVALS ................................................................................................................ 55 ACCOUNT TRANSFER PAGE .................................................................................................................................... 57 PROCEDURES .......................................................................................................................................................... 58 LOAN PAYMENTS ..................................................................................................................................................... 63 LOAN ADVANCES ..................................................................................................................................................... 64 REPORTS ................................................................................................................................................................. 67

AUTOMATED CLEARING HOUSE (ACH) .......................................................................................................... 68 OVERVIEW ............................................................................................................................................................... 68 CREATE MANAGED PARTICIPANTS ......................................................................................................................... 70 CREATE PARTICIPANTS ........................................................................................................................................... 75 BATCH TEMPLATES ................................................................................................................................................. 76 HOLD ENTRIES ........................................................................................................................................................ 81 CREATE A BATCH .................................................................................................................................................... 82 UPLOAD ACH FILE .................................................................................................................................................. 92 ACH REVERSALS .................................................................................................................................................... 94 ACH REVERSAL FORM DIRECT SEND/ACH UPLOAD ............................................................................................ 99 ACH REVERSAL DIRECT SEND/ACH UPLOAD REPORT ...................................................................................... 100 TAX PAYMENTS ..................................................................................................................................................... 102

1 Table of Contents

Commerce Connections User Manual

CHILD SUPPORT PAYMENTS ................................................................................................................................. 113 SAME DAY ACH .................................................................................................................................................... 124 APPROVING ACH, TAX, AND CHILD SUPPORT TRANSACTIONS FOR PROCESSING ............................................. 128 PENDING APPROVALS ........................................................................................................................................... 131 REPORTS ............................................................................................................................................................... 132 ACH FIELD DESCRIPTIONS ................................................................................................................................... 135

POSITIVE PAY ....................................................................................................................................................... 136 OVERVIEW ............................................................................................................................................................. 136 POSITIVE PAY EXCEPTION SUMMARY................................................................................................................... 139 CREATE MANUAL ISSUES/VOIDS .......................................................................................................................... 140 ISSUE FILE UPLOAD............................................................................................................................................... 143 APPENDIX A ........................................................................................................................................................... 150 POSITIVE PAY REPORTS ....................................................................................................................................... 151 ACCOUNT RECONCILIATION REPORTS ................................................................................................................. 152

CHECK RETURN ................................................................................................................................................... 153 OVERVIEW ............................................................................................................................................................. 153 CHECK RETURN DISPOSITION ............................................................................................................................... 154 CHECK RETURN REPORT ...................................................................................................................................... 155

WIRE TRANSFER .................................................................................................................................................. 156

OVERVIEW ............................................................................................................................................................. 156 CREATE WIRE BENEFICIARIES .............................................................................................................................. 157 WIRE TEMPLATES .................................................................................................................................................. 163 CREATE A WIRE TRANSFER ................................................................................................................................. 168 WIRE TRANSFERS – FOREIGN BENEFICIARY ........................................................................................................ 181 TAX PAYMENTS ..................................................................................................................................................... 185 APPROVING WIRE TRANSFER PAYMENTS FOR PROCESSING .............................................................................. 188 PENDING APPROVALS ........................................................................................................................................... 189 REPORTS ............................................................................................................................................................... 189 WIRE TRANSFER FIELD DESCRIPTIONS ................................................................................................................ 189

CASH CONCENTRATION .................................................................................................................................... 192 OVERVIEW ............................................................................................................................................................. 192 CREATE DIVISIONS ................................................................................................................................................ 192 CREATE LOCATIONS .............................................................................................................................................. 196 CASH CONCENTRATION ENTRY ............................................................................................................................ 201 CASH CONCENTRATION REPORTS........................................................................................................................ 204

PENDING APPROVALS ....................................................................................................................................... 205 OVERVIEW ............................................................................................................................................................. 205 NEW TRANSACTIONS ............................................................................................................................................. 206 PAYEE .................................................................................................................................................................... 209 ADMIN CHANGES ................................................................................................................................................... 210

REPORTS ................................................................................................................................................................ 211 OVERVIEW ............................................................................................................................................................. 211 NAVIGATING REPORTS .......................................................................................................................................... 211 AUDIT REPORTS .................................................................................................................................................... 216 INFORMATION REPORTING REPORTS ................................................................................................................... 225 STATEMENTS REPORTS ........................................................................................................................................ 232 ACCOUNT TRANSFER REPORTS ........................................................................................................................... 243 ACH REPORTS ...................................................................................................................................................... 246 POSITIVE PAY REPORTS ....................................................................................................................................... 273

2 Table of Contents


CHECK RETURN REPORT ...................................................................................................................................... 276 WIRE TRANSFER REPORTS................................................................................................................................... 277 CASH CONCENTRATION REPORTS........................................................................................................................ 280

INDEX ........................................................................................................................................................................... 2

3 Table of Contents

ACCESSING THE SYSTEM

Logging In The logon page is immediately displayed when you access the Commerce Connections website at https://commerceconnections.commercebank.com. Enter the Customer ID, assigned by Commerce Bank, and your User ID and Password; all Users within the Company share the same Customer ID. Users can verify their arrival at Commerce Bank’s Commerce Connections site by confirming the following information:

First Time Log-In Only The first time you log-in, you will be asked to establish a security profile. This profile helps Commerce Connections recognize you as an authorized User of the system each time you log-in and helps assure you that you are on a legitimate Commerce Connections website.

You will then be asked to select three security questions and responses. These questions/answers should be personal information that someone else would not know. We will use these questions to confirm your identity in various circumstances.

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We also ask you to tell us if you plan to use the same PC to log-in to Commerce Connections on a regular basis. If so, we will “remember” this PC and streamline your log-in process. If you are using a public or shared PC to log-in, we will ask you one or more of your selected security questions to confirm your identity.

Click Continue to review your selections and then Save to move to the final stage of this initial registration process.

If you delete cookies, the system will not

“remember” your PC and you will be

challenged at each log-in.

5 Accessing the System


Click Save one more time and you will be asked to change your User Password. Please note the password composition requirements and re-enter your selected User Password to confirm it.

Click Save and then Continue to enter the system.

Updating User Profile, User Password, and Security Questions

Users may update their profile information at any time. However, please note that User Address is informational only – the information is not used for contact or system processing.



The first time a User accesses the system and every 60 days thereafter, you are prompted to change your password. This password is used for subsequent logons. We encourage you to change your Commerce Connections password on a regular basis or anytime you feel your current password has been compromised. If a User does not access the system within a 45-day time period, they are automatically disabled. Company’s System Administrator must enable the User to regain access.

New passwords must be 8 to 16 characters long, and contain at least 1 number, 1 special character and at least 2 letters (including 1 upper case letter and 1 lower case letter). Be creative--using common elements such as birthdays, anniversary dates and nicknames makes it easier for someone to guess your password.

To change your password, go to the User Profile page under the Home tab in your top navigation bar. At the bottom of the page, you may enter your current password and then your newly-selected password. The system remembers the last seven (7) passwords and will not allow you to re-use a password. After confirming your new password, click Save.

You may also change your security questions/responses at any time. Click on the Security Profile page under the Home tab in your top navigation bar and your current settings will be displayed. You may make any necessary changes and click Save.



Establishing User Preferences The User Preference page provides an opportunity for each User to customize their experience with the system.

When generating certain reports in

HTML format, the system truncates the report at the

number of entries specified in the

Transaction Search field. It is

recommended that each user set this

value at 500. When transactions are

truncated, a message is

displayed at the top of the report



Users may establish the following parameters:

Session Activity Report – at log-out, this option automatically generates a report of all system activity conducted during this session.

Bank Lookup – establishes the number of banks displayed in response to a bank/routing number query in Wires or ACH.

Transaction Search – determines the number of transactions displayed in response to a transaction query. This setting also determines the maximum number of transactions included in an HTML-formatted report.

We further recommend displaying and printing this report in PDF format, to assure all entries meeting the selected criteria display.

If the Session Activity Report is set

to automatically generate at log-out, the system has not

fully logged the user out of the system. The Back and Log

Out buttons are displayed below the report and Log Out must be clicked in

order to log out.



SYSTEM ADMINISTRATION

Overview System Administration is a very important part of the use of Commerce Connections. To provide the highest level of security, Company administers your own User set-ups, assigning User permissions and other selections in the system. System Administration requires Enhanced Security when submitting a change for approval.

ADMINISTRATIVE CHANGES - DUAL APPROVAL

Company will specify two System Administrators when signing up for Commerce Connections. Commerce Bank will establish those persons in the system with Admin rights to all the services Company has authorized. Any change made by a System Administrator must be approved by a second System Administrator. This includes all user setups, user permissions, dollar limits, and password changes for any user on the system.

ADMINISTRATIVE CHANGES - NON- DUAL APPROVAL

Company not requiring dual approval for administrative changes should continue to specify two System Administrators when signing up for Commerce Connections. Commerce Bank will establish those persons in the system with Admin rights to all the services Company has authorized. User changes are effective immediately once submitted by System Administrator. A System Administrator can make changes to their own entitlements however, another User with Administrative entitlements will need to approve the changes. This includes all user setups, user permissions, dollar limits, and password changes for any user on the system.

ADMINISTRATIVE RESPONSIBILITIES

It is the responsibility of the System Administrators to grant access to services to themselves as well as to set-up all additional Users on the system and to determine and establish the limits associated with each User. It is further the responsibility of Company’s System Administrator(s) to assure that all Users’ permissions are appropriate and current. When a User changes positions or otherwise requires a change to their User permissions on Commerce Connections, Company’s System Administrator is responsible for making these changes on the system by modifying or deleting the User’s system access.

System Administrators may establish other System Administrators on Commerce Connections. These System Administrators will have the same rights as the original System Administrators on the system.

The majority of functions associated with system administration are located under the Admin tab in the top navigation panel. The sub-menu provides a variety of system administration options; specific components of the sub-menu will vary by Company.

If Company adds services, it is the

responsibility of the System Administrators

to add/update permissions and/or

limits for other users, including their own

access.

Certain system administration functions

(such as establishing new users or changing user permissions) may

require secondary approval by a second System Administrator.

Refer to Approving User Administration.

10 System Administration


Company Profile The Company Profile page and its submenus provide options to modify certain company-wide settings, including designating Users as System Administrators, assigning nicknames to accounts, and establishing configurations for BAI file exports.

To edit various sections of the Company Profile, a System Administrator with the proper authorities must click on the associated .

COMPANY INFORMATION

If Company uses Commerce Connections to originate ACH IAT transactions, the address from this page populates the required fields in the NACHA file. Company’s (Originator’s) name and street address is included in the second IAT addenda record and the Originator’s City & State/Province, Country & Postal Code are within the third IAT addenda record.

The information on this page is not used for any other purpose within the Commerce Connections system other than ACH IAT origination.

After updating this information, click Save.

ADMINISTRATORS

This section allows existing Users to be designated as System Administrators or to revoke System Administration rights from Users.

To edit System Administrators, click Edit .

Existing Users and Groups are displayed for selection and designation as a System Administrator. Only Active users may be selected as Admins. Highlight an individual Active User from the User List and click the top Add button; highlight a Group and click the bottom Add button. Then, click Save and Done to confirm your selection.

System Administration is a

high-risk activity; please use care in

designating users as System

Administrators.


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If administrative dual approval is required, the changes must be Submitted for Approval.

Click to perform the process. Please note: failing to Submit changes for Approval will delay the process from being effective. The change will not be effective until the change is Submitted for Approval and then Approved by a second authorized user.

Revoking System Administration privileges does not remove them from Commerce Connections; please refer to User Maintenance to fully remove a System Administrator or other User from the system.

To add/modify Users and maintain User

Permissions, a User must be listed as an Administrator on this

page AND have access to User Administration

under Admin > Users > Features Access and

Limits > Administration.



ACCOUNT CONFIGURATION

The Account Configuration page displays all accounts established in Commerce Connections for Company. Clicking on the allows a System Administrator to edit the information about the accounts.

On behalf of Company, a System Administrator may select a “nickname” for each account. This nickname will appear throughout Commerce Connections to provide easier recognition of accounts for quicker reporting and transaction-initiation. Nicknames will also be displayed within an Email Notification, where appropriate.

The information on this page is not used for any other purpose within the Commerce Connections system. After updating the information, click Save.


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BAI EXPORT SETTINGS

The BAI Export Setting page allows a System Administrator to establish Company-wide settings for use when exporting account information in a BAI format. These settings populate fields in a BAI file for easier upload of the file into Company’s own systems. For information about populating these fields, please refer to your Company’s Information Systems department.

To edit BAI Export Settings, click . After updating the information, click Save.

TRANSACTION GROUPS

Transaction groups allow the customized aggregation of transactions by type to simplify presentation of account activity on reports. To establish a Transaction Group, select next to the Transaction Group heading. A list of all available BAI codes appears in the left box. Determine a title for the Group and select the transactions to be contained in that group. Click Add, then Save.


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Once Transaction Groups are established, they appear as selectable options to authorized Users on the Balance Summary and Detail Report, available under the Information Reporting tab.



COMPANY PERMISSIONS

The values in this section are established by Commerce Bank at set-up. When a change to Company’s services, accounts, or limits is made by Commerce Bank, the change must be applied to individual users by an Admin with the appropriate permissions.

On the Company Permissions, select the permission to be applied to users.

A list of users is presented; check the box next to each user who should receive permission to the new account, limit, or service. Click Save, then Done.

If administrative dual approval is required, the changes must then be Submitted for Approval before a second user may approve the change.



Setup/Change/Delete Users The first step in setting up a User is to establish basic information such as their name, contact information, and initial password. Then the System Administrator will assign permissions to that User, which is covered in the section Assign User Permissions.

If administrative dual approval is required, all User administration changes will need to be Submitted for Approval before they are available to be approved by a second authorized user:

To Submit the Changes for Approval, from the Manage Users home screen, the top island shows all Users with pending changes. Click next to the User’s name to Submit the change for Approval by another user with the appropriate authorizations.

If administrative dual approval is not required, changes are effective immediately once submitted.

ADD A NEW USER

To add a new Commerce Connections User, navigate to Admin > Users and click on the Add User button.

The following screen will display. Complete all the required fields, as indicated by the red asterisk ( * ).


(such as establishing new users or changing

user permissions or limits) may require dual

approval by a second System Administrator.

To add/modify Users and maintain User

Permissions, a User must be listed as an Administrator on the

Company Profile page AND have access to User Administration

under Admin > Users > Features Access and

Limits > Administration.



When establishing the User’s initial password, please note the password requirements. At their first log-in, the User will be required to change this password to something confidential.

The User’s email address is required if user wishes to receive messages from Bank. For example, if User wishes to receive an email notification when statements and/or reports are available, email address will need to be established within the Add User profile.

EDIT AN EXISTING USER

To edit an existing User, click next to the User’s name.

You may then update information as needed for this User. When finished, click Save, Save (again), then Done.

DELETE AN EXISTING USER

“User name” is the same as the User ID that an individual will

use to log in to Commerce

Connections.

This is the same screen used to reset

or unlock user passwords. Click

here for more information.


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To delete an existing User, click on the next to the User’s name. To confirm your selection, click Delete, and then Done.

GROUP USER MAINTENANCE

To Submit Group Changes for Approval, from the Manage Users home screen, the top island shows all Users with pending changes. Click the appropriate boxes under Select for those Users who are to be submitted for approval. After selecting the Users for approval, click SUBMIT.

Verify changes for all users submitted and click Submit and then Continue. If administrative dual approval is required, a second Admin must log-in to Commerce Connections to approve the changes. The Pending Approvals island on the Home page notifies the Admin changes are awaiting approval. Clicking admin changes takes the user to a link that will direct them to Company Summary or Users Summary.

Assigning user permissions and

limits is a very important part of Company’s risk

management and operations.

Extreme care should be taken to

assure that each user has the proper permissions, but is not assigned more

permissions or higher limits than

are needed


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The following is applicable if administrative dual approval is required:

To Approve or Reject the changes, navigate to the Pending Changes island under Admin > Users. To Reject the requested change, click . To Approve the changes, click

. This process steps the Admin through the changes to be applied and enables them to approve the changes. Likewise, to approve a group of Users, click the boxes under Select for those Users who are to be approved. Click APPROVE. A summary of the changes to be applied is not presented during the group approval process. To reject a group of users click the boxes under Select for those Users who are to be rejected. Click REJECT.

Assign User Permissions

After a System Administrator has added a User to Commerce Connections, the next step is to assign permissions and monetary limits to that User.

Commerce Connections provides several features to assist System Administrators in establishing User permissions and monetary limits. There are two recommended methods for assigning permissions:

1. Use the Permissions Wizard to assign permissions to a User and then “clone” that User’s permissions to other Users with similar job functions, or

2. Use the Permissions Wizard to assign permissions to a profile for specific

responsibilities and then apply that profile to all Users with similar job functions.



The Permissions Wizard works the same whether assigning permissions to a User or a profile.

PERMISSIONS WIZARD - ASSIGN USER PERMISSIONS AND LIMITS

The Permissions Wizard is designed to step a System Administrator through the process of assigning permissions and limits to Users. The Permissions Wizard may be utilized to assign permissions to a new User or to modify permissions of an existing User.

New User: The Permissions Wizard is available as an option when a new User is added:

Existing User: Access the User’s Permissions by navigating to Admin > Users and clicking on the Permissions button next to the User’s name:

The Permissions Wizard will guide the System Administrator through the different levels of account and company access as shown below.

ACCOUNT ACCESS

Account Access allows a System Administrator to establish User limits for an account. Limits accumulate across all transaction types; additional limits may be set for individual



transaction type. The User may initiate transactions which exceed the stated limit with a secondary approval, if the Exceed Limit w/Approval box is checked for an account. However, no activity may exceed the established Company limits.

CROSS ACH COMPANY ACCESS

The Cross ACH Company Access screen permits a User to various ACH activities, regardless of account; where available, transaction limits may also be designated for various transaction types. Individual ACH origination activities and SEC codes may be separately permissioned to a user.

Cross ACH Company Permissions

ACH Overall – Permissions for File Upload, Template management, and Participant management. Also controls all SEC codes, as well as Child Support and Tax Payments. The dollar limit is the maximum that can be entered for any SEC code, child support and tax payments.

Child Support – Permissions to originate transactions under the Child Support tab.

Tax Payments – Permissions to originate transactions under the Tax Payment tab.

ACH Payments – Permissions to originate transactions in all SEC codes. Does not permit users to access the Child Support and Tax Payments tabs. The dollar limit is the maximum that can be entered for all SEC codes combined.

Various SEC Codes – Allows permissions to be assigned to users for individual SEC codes. Permissions may be further restricted to Entry vs Approval and Debit vs Credit origination.

PER ACH COMPANY ACCESS

The Per ACH Company Access screen permits a User to various activities within specified ACH Companies.

After Cross ACH Company Access and Limits are established for a User, permissions and limits (if applicable) must be established for each and every ACH Company the User will access. This allows maximum flexibility to assign Users exactly the permissions and limits that are appropriate for their intended usage.

Per ACH Company Permissions

ACH Overall – Permissions for File Upload, Template management, and Participant management. Also controls all SEC codes, as well as Child Support and Tax Payments.

Child Support – Permissions to originate transactions under the Child Support tab.

Tax Payments – Permissions to originate transactions under the Tax Payment tab.

ACH Payments – Permissions to originate transactions in all SEC codes. Does not permit users to access the Child Support and Tax Payments tabs.

Various SEC Codes – Allows permissions to be assigned to users for individual SEC codes. Permissions may be further restricted to Entry vs Approval and Debit vs Credit origination.



CROSS ACCOUNT ACCESS AND LIMITS

Commerce Connections provides a great deal of flexibility for assigning permissions to a User, giving them only the level of access required for his/her job duties.

The Cross Account Access and Limits screens permit a User to various activities, regardless of account; where available, transaction limits may also be designated for various transaction types.

The system will prohibit a User from performing a transaction for an amount exceeding their established limit. However, if a User exceeds their limit AND their permissions include Exceed Limit with Approval, their transactions may be Submitted for Approval until another properly permissioned User approves the transactions. The Exceed Limit with Approval functionality only applies to Account Transfers. Wire Transfers require a second user to approve the transfer before it will be processed. In addition, Company can require approval on all templates created or modified. Commerce Bank strongly encourages the use of this functionality. See Approval Workflow section for details regarding which Users may approve the transactions.

Account Inquiry Permissions

Account History – allows access to the Account History function under the Account Inquiry tab. Accounts available for Account History, Account Summary, and Transaction Search are controlled by the accounts permitted in Reporting. Users with Summary are granted Account Summary. Users with Detail are granted Account History and Transaction Search.

Account Summary – allows access to the Account Summary function under the Account Inquiry tab.

Custom File Upload – allows access to import a file of Account Transfers.

Custom File Upload Administration – allows creation of custom file mappings for Account Transfers.

Transaction Search – allows access to the Transaction Search function under the Account Inquiry and Check Management tabs.

Administration Permissions

Approvals Workflow – Allows a User to view an Approval Workflow.

Manage Approvals Workflow – allows a User to add, edit, and delete Approval Workflows.

Audit Reporting – allows access to view Audit Report for all Users (if requestor is an Admin). If a user is not an Admin, they can view their own activity only.

Company Administration – allows access to the Company Profile page, including designation of Users as Administrators. Only users designated as an Admin can make changes on this page.

Reminder: Permissions and

limits assigned to a user should closely correspond to their

job duties.

If a User is not an Admin but has

access to Company Administration, they are given View only

access.

Exceed Limit with Approval is only used for Account

Transfers.

Cross Account Limits control the maximum amount that

can be sent across all accounts.



Company Summary – controls viewing pending admin changes on the home page.

Division Management – used for Cash Concentration.

Group Management – Not used. Please do not modify.

Location Management – used for Cash Concentration.

User Administration – allows access to the Manage User page. Only users designated as an Admin can make changes on this page.

Check Management Permissions

Lockbox – allows access to the Lockbox Online application. Please see your Treasury Officer for this application.

Positive Pay – allows User to view exception items and enter payment decisions for those items.

Stop Payments – allows User to perform Stop Inquiries, Stop Cancels, and originate Stop Pay requests.

Payments & Transfers Permissions

eFx – allows access to the International eFx application. Please see your Treasury Officer for this application.

Letter of Credit – allows access to the International Letter of Credit application. Please see your Treasury Officer for this application.

Transfers – allows User to originate Account Transfers and to approve Account Transfers originated by other Users. Note: approvals are governed by Approval Workflows and established User and Company limits. This permission also provides access to the Account Transfers Report.

Transfers Template – allows User to establish templates for Account Transfers and to approve templates originated by other Users. Note: approvals are governed by Approval Workflows and established User and Company limits.

Transfers Approval – allows User to approve Account Transfers.

Transfers Template Approval – allows User to approve Account Transfer templates.

Wire Approval Overall – allows User to approve Wire Transfers dependant on the entitlements specified below.

- Wire Domestic Freeform Approval – allows User to approve wires originated as Freeform Domestic wire transfers.

- Wire Domestic Templated Approval – allows User to approve Drawdown wires originated from a Template.

- Wire Drawdown Freeform Approval – allows User to approve wires originated as a Freeform Drawdown wire transfer.

- Wire Drawdown Templated Approval – allows User to approve Drawdown wires originated from a Template.

Wires – allows user to create wires or manage templates and beneficiaries depending on the options selected below this entitlement.



- Wire Beneficiary Management – allows user to create, modify or delete managed wire beneficiaries. Managed wire beneficiaries can be useful if Company frequently sends funds to the same beneficiary but not always from the same debit account.

- Wire Templates Approval – allows user to approve the creation or modification of templates.

- Wire Templates Create – allows user to create or modify templates.

- Wire Templates Delete – allows user to delete templates.

- Wire Create – allows user to perform the functions designated by the entitlements specified within the Wire Create section.

Wire Domestic – allows user to perform the functions designated by the entitlements specified within the Wire Domestic section.

• Wire Domestic Freeform – allows User to create Freeform Domestic wire transfers.

• Wire Domestic Templated – allows User to create Templated Domestic wire transfers.

Wire Drawdown - allows user to perform the functions designated by the entitlements specified within the Wire Drawdown section

• Wire Drawdown Freeform – allows User to create Freeform Drawdown wire transfers.

• Wire Drawdown Template – allows User to create Templated Drawdown wire transfers.

Wires Quick Entry - allows user to enter multiple Template transfers through the Quick Entry screen.

Reporting Permissions

Individual reports may be permissioned to each user.

Other Permissions

Check Imaging – allows User to view check images.

View Transactions Across Groups – Not used. Please do not modify.

PER ACCOUNT ACCESS AND LIMITS

The Per Account Access and Limits screens permit a User to various activities within specified accounts.

After Cross-Account Access and Limits are established for a User, account access and limits (if applicable) must be established for each and every account the User will access. This allows maximum flexibility to assign Users exactly the permissions and limits that are appropriate for their intended usage.



To establish permissions and limits for a specified account, select the appropriate account and click View:

Check Management Permissions

Positive Pay – allows User to view exception items and enter payment decisions for those items.

Stop Payments – allows User to perform Stop Inquiries and originate Stop Pay requests.

Payment & Transfers Permissions

Transfers Approval - allows User to approve Account Transfers.

Transfers From – allows User to originate and approve transfers out of the specified account.

Transfers Template – allows User to establish templates for the specified account.

Transfers Template Approval - allows User to approve Account Transfer templates.

Transfers To – allows User to originate and approve transfers into specified account.

Wire Approval Overall – allows User to approve wires and templates on specified accounts based on the entitlements within this section.

- Wire Domestic Freeform Approval – allows User to approve wires originated as Freeform Domestic wire transfers on the specified account.

- Wire Domestic Templated Approval – allows User to approve Drawdown wires originated from a Template on the specified account.

- Wire Drawdown Freeform Approval – allows User to approve wires originated as a Freeform Drawdown wire transfers on the specified account.

- Wire Drawdown Templated Approval – allows User to approve Drawdown wires originated from a Template on the specified account.



Wire Templates Approval - allows User to approve templates created by other Users. Note: approvals are governed by Approval Workflows and established User and Company limits.

Wire Templates Create - allows User to establish templates for Wire Transfers on the specified account.

Wire Templates Delete - allows User to delete templates for Wire Transfers on the specified account.

Wires Create – allows user to create wires or manage templates and beneficiaries depending on the options selected below this entitlement on the specified account on the specified account.

- Wire Domestic – allows user to perform the functions designated by the entitlements specified within the Wire Domestic section.

Wire Domestic Freeform – allows User to create Freeform Domestic wire transfers on the specified account.

Wire Domestic Template – allows User to create Template Domestic wire transfers on the specified account.

- Wire Drawdown - allows user to perform the functions designated by the entitlements specified within the Wire Drawdown section

Wire Drawdown Freeform – allows User to create Freeform Drawdown wire transfers on the specified account.

Wire Drawdown Template – allows User to create Templated Drawdown wire transfers on the specified account.

Reporting Permissions

Individual reports may be permissioned to each user.

Other Permissions

Check Imaging – allows User to view check images for the specified account.

WIRE TEMPLATE ACCESS AND LIMITS

Wire Transfer Templates must be permitted to each user individually. To permit the template(s) select the templates and click View.



Select the appropriate level of access for the specified user. Click View.



CASH CONCENTRATION ACCESS

Cash Concentration Locations must be permitted to each user. To permit Cash Concentration, System Admin must navigate to Admin > User. Locate User and click Permissions. Next, click on the Edit icon for Feature Access and Limits (per location).

Identify any Location a User should be entitled to and click View. Ensure all Cash Concentration Deposit Entry entitlements are selected for that location.



Click Save and Save to confirm changes. Click Done to Submit for Approval. If User should not be entitled to a specific Location within a Division, highlight the Location and click View. Remove all Cash Concentration entitlements.



Click Save and Save to confirm changes. Click Done to Submit for Approval.



CLONE AN EXISTING USER TO A NEW USER

Another simple way to establish permissions for a new User is to simply clone (or copy) the permissions of an existing User.

After setting up the new User, the following screen will display. Click on CLONE PERMISSIONS.

The following screen will now display. In this example, we want to copy the permissions from existing User Jane Doe (source user) to new User Jane Smith (target user). The clone option will be available for Users who are in the same group.

Click on the radio button next to Jane Doe’s name and click CLONE. Verify your action on the next page by clicking CLONE again. After clone request, follow standard user administration workflow. No changes to the target user will take place until then. Submit changes, confirm and approve.

Permissions effective for the source user at the time of approval are what get copied to the target user. Any pending user administration changes will be lost for the target user. Any pending user administration changes for the source user will not be copied to the target user. Jane Smith now has the same User permissions as Jane Doe, including System Administrator privileges. If necessary, you may edit these permissions by clicking the permissions button next to Jane Smith’s name.




If you clone permissions to a

user who already has permissions

assigned to him/her, the cloned

permissions will override and replace

any existing permissions,

including the Admin designation.



CLONE AN EXISTING USER TO A CURRENT USER

Another simple way to update permissions for a current User is to simply clone (or copy) the permissions of an existing User.

System Administrator will go to user administration. They will select the permissions of the user they want to clone to – the target user. The clone option is available for users in the same group.

Click on CLONE USER PERMISSIONS

Click on the radio button of the user (source user) whose permissions you want to copy to the target user. Click on CLONE.



After clone request, follow standard user administration workflow. No changes to the target user will take place until then. Submit changes, confirm and approve.

Permissions effective for the source user at the time of approval are what get copied to the target user. Any pending user administration changes will be lost for the target user. Any pending user administration changes for the source user will not be copied to the target user.



USER ENTITLEMENT PROFILES

User Profiles allow a System Administrator to establish a group of permissions that may then be assigned to Users as needed. Typically, profiles are established for different positions within Company and include the permissions a particular position requires.

To establish a User Profile, navigate to Admin > Users, and click Add Profile.

Type in a descriptive name for the Profile and select a Group from the dropdown. Click Add.

To assign permissions to this Profile, click the Permissions Wizard.

For instructions on using the Permission Wizard to establish permissions for a profile, refer to the Permissions Wizard - Assign User Permissions and Limits section.



Establishing Approval Processes for Transactions Commerce Connections allows Company’s System Administrators to establish rules to assign specific Users (or groups of Users) to approve certain transactions.

APPROVAL GROUPS

The Manage Approval Groups page lists all approval groups defined for your Company. Approval groups consist of entitled Users, and are used within Approval Workflows. Any User in an approval group can approve or reject a transaction if it is within their personal limits.

To establish an Approval Group, click Add Group.

Select a unique, descriptive name for this Approval Group and click Add, then Done.

To assign additional Users to the approval group, navigate to Admin > Users and click the Approval Groups link for the appropriate User.

For each User, all available approval groups are displayed. Check the boxes next to each approval group to add this User to those groups. Click Save, then Done.

Commerce Bank has also established certain requirements

for transactions requiring approvals.

Rules established by System

Administrators may not supersede any

Bank requirements.

A user may be included in multiple

groups.

To view users in an existing Approval Group, click Edit.



APPROVAL WORKFLOWS

An approval workflow specifies the Users or groups who approve certain types of transactions. You can add multiple levels to a workflow; for example a particular User or group can approve transactions with a relatively low dollar amount, while a different set of Users or groups can approve transactions with higher dollar amounts.

At each level of the workflow, you can specify multiple Users and groups who may approve the transaction, as well as the order in which the Users or groups approve transactions. A transaction is sent for processing once the final person in an approval workflow approves the transaction.

Approval Workflows apply to financial transactions, such as Account Transfers, ACH origination, and Wire Transfers. They are not used for approval of User Administration changes (such as setting up a new user).

PERMISSIONING APPROVAL WORKFLOWS

Establishing Approval Workflows is a high-risk activity and special care should be taken when assigning the permission to create and modify Workflows to Users. Any User may be granted this ability with the Manage Approval Workflow permission; they do not need to be a System Administrator. The Admin permission allows the User to assign Workflow capabilities to other Users. You must establish at least one Approval Workflow entitled Activity Type: All Other Activities. If Company wishes for all transaction types to be approved by the same users in the same sequence, this is the only Approval Workflow required.

This permission is assigned under Feature Access and Limits > Administration.

Before deleting an Approval Group, all

users must be removed from that

group.

If you fail to establish Approval Workflows,

your transactions could fail.

Permissions/Limits determine which

transactions require approval. Approval

Workflows establish:

1. How many approvers are

required; 2. Which users may approve different types; and

3. In what order the approvals must

occur.



Click on Edit .

ESTABLISHING APPROVAL WORKFLOWS

To establish an Approval Workflow, navigate to Admin > Approval Workflows. Select the transaction type from the dropdown box and click Add Level. Please note that the system provides a great deal of flexibility to ACH Originators by allowing different Approval Workflows to be established for each SEC transaction type.


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The New Approval Workflow screen appears for the selected transaction type.

The page contains sections for:

User List – Displays a list of all system Users. Use names from this box to select individual Users to approve this transaction type.

Group List – The default Group is a Company-wide list of all system Users. Use Groups from this box to allow any User with the appropriate permissions and limits in the Group to approve this transaction type.

Approval Group List - Displays a list of any Approval Groups established. Use Approval Groups to allow any User with the appropriate permissions and limits in the Approval Group to approve this transaction.

By selecting a name in the left boxes and clicking Add, the name is moved to the ** Current Approval Chain box on the right. This establishes the required approvals and sequence.

Approvers must approve transactions in the exact sequence as they are listed in the Current Approval Chain box.

In the example below, this Approval Workflow applies to all Account Transfers between $200 and $5000. Other Approval Workflows would govern Account Transfers below $200 and greater than $5000. Transfers between $200 and $5000 require approval by Jane Doe, then any User properly permissioned in the Demo Approval Group established, then another User properly permissioned in the Demo Approval Group.

Make sure that only users with the proper

approval permissions for a

particular transaction type are selected for

the Approval

To assure that transactions are not

delayed awaiting approval from a

user who is unavailable, use the

Approval Group feature, which

allows any user in the Approval Group

to approve the transaction.

Remember that a user cannot approve

his/her own transactions – even if he/she is included

in an Approval Group further down

in an Approval



Another benefit of the Activity Type: All Other Activities Approval Workflow is that it will act as a “catch-all” and accommodate any transaction types for which specific Approval Workflows are not established – including any transaction types which may be added in the future. In the above example, if specific Approval Workflows are not established for Transfers below $200 or greater than $5000, the All Other Activities Approval Workflow would apply.

Unlock or Reset User Passwords If a User repeatedly mis-enters their password or other authentication credential (such as their response to a security question), they may become locked out of Commerce Connections.

Transactions pending approval

will utilize the Approval Workflow

that was in effect at the time the

transaction was created. If a

Workflow was changed prior to

approval, a transaction will be

subject to the prior



Similarly, if a User forgets his log-in password, it may need to be re-set.

In both these scenarios, Company’s System Administrator is responsible for re-enabling the User.

If a User has become locked out of the system because he mis-entered his password or responses to security questions, but knows the correct information, a System Administrator may unlock the User by navigating to Admin > Users, selecting the appropriate User, and then clicking Unlock. The Lockout Status will change to Unlocked. Confirm the changes by clicking Save, Save (again), then Done.

If a User has forgotten their password, a System Administrator may assign the User a new temporary password by navigating to Admin > Users, selecting the appropriate User, and then entering and verifying a new password. If secondary administrative dual approval is required, a second authorized person must approve the change.

The User will be forced to change this temporary password the next time they log-in to Commerce Connections.






If a User has forgotten responses to their security questions, Company’s Security Administrator must contact Commerce Bank’s Commercial Customer Support to enable the User to re-enroll.

Approving User Administration (If secondary administrative approval required) Changes to Users and permissions are not effective until they are Submitted for Approval by the Administrator who entered them AND are approved by a second Administrator. Changes awaiting approval may be viewed and Approved by Users with permission to perform the approvals in several locations:

On the Pending Approvals island on their Home page when they log in, clicking admin changes takes a user to the Company Summary or users Summary:

On the Users with Pending Changes island under Admin > Users:

On the Pending Changes Audit Report:

The following is only applicable if secondary administrative approval

is required.



To Approve or Decline the changes, navigate to the Pending Changes island under Admin > Users. To decline and delete the requested change, click . To Approve the changes, and click to review and approve the changes.

A screen or multiple screens will be presented to review the changes. Press Approve to approve the changes and then click Done. Click to reject the change and the changes will then remain as pending.

Administration changes may be viewed on the

Pending Changes report, but cannot be

approved.



Audit Reports A variety of reports are available to assist Company to view User permissions and activity. These reports are available by navigating to Admin > Audit Reports.

In order to view Audit Reports, a User must have permission. A System Administrator may grant a User permission to view Audit Reports by navigating to Admin > Users, selecting the button next to the User’s name. Then, select the under Administration, and check the box(es) for the Audit Reports this User should be able to access.

Audit Reports available are:

System Activity Report

Payment Template History

User Permissions Report/User Entitlement Report

Transaction History Report

Pending Changes Report

In general, only System

Administrators may view Audit Reports

for all users. A non-Admin user may

only view their own activity. Exception:

all permissioned users may view the

entire Template History report.


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INFORMATION REPORTING

Overview Commerce Connections Information Reporting provides customers with balance summary and transaction detail information about their various accounts. This information is available both early in the morning and throughout the business day, so you can make timely cash management decisions.

Timing and Deadlines Previous Day information is available on Commerce Connections no later than 7:00 a.m. CST each business day.

Current Day activity (optionally available by subscription) is posted either real-time or in conjunction with the products’ processing schedules throughout the day.

Permissions, Limits, and Approvals Permissions to view Information Reporting located in the User Permissions area for each User. To assign permissions, navigate to Admin> Users> (select User)> Permissions.

First, each User must have access to individual accounts. Under Account Access, all accounts available to Company are listed and available for assignment. Account Access is granted by clicking Init to the left of each account to be assigned. Giving permissions here makes the account available for this User in Information Reports and Account Inquiry.

After accounts are assigned to the User, access to individual account features may be given. This access may be assigned either to all accounts (cross-account) or to individual accounts (per account). The permission must be granted in cross account and then granted to individual accounts in per account.

If the user will not be initiating

transactions, they may be assigned

limits of $0 and the Exceed Limit

w/Approval boxes are not utilized

45 Information Reporting


Procedures Account balances and transaction activity may be viewed under both the Account Inquiry and Reporting tabs in the top navigational bar. Different menu selections provide different options to sort, display, report, and export information.

The Account Inquiry tab in the top navigational bar offers Transaction Search capability, as well as a summary of Accounts (where a User may drill down into transactional activity). In addition, this tab provides a link to the Information Reporting reports under the Report menu option.

Transaction Search provides advanced search criteria for locating transactions. Use the Transaction Search page to view past transactions for any of your accounts.

Complete the search criteria fields and click . The search criteria fields are cumulative; the more criteria specified, the more refined the search results.

Transactions meeting the specified criteria display. Additional transaction information may be available by clicking the magnifying glass . Check and deposit images, if available, may be viewed by clicking the Customer Ref. # field value (for deposits) or check number for checks.

Users may also choose to view

Previous Day and Current Day account

summaries on their customized Home

Page islands.

Account Inquiry works well for

viewing information one account at a

time; use Information Reporting to view

multiple accounts.



The Account Summary option provides a high-level view of all accounts, based upon activity on a Previous Day or the Current Day. The type of account dictates the information provided. For example, DDA accounts provide balance calculations, float, and transaction totals for either a prior business day or for the current day. Loan accounts display information about balances, rates, and payments.

Click on the Account Name or Account Number to view specific transactions for that account. The bottom of this page also provides options for exporting the results of this query.

The Account History option The Account History page enables you to view and export account histories, submit account inquiries, and view transaction details. Check and

If you are unsure of the account number, enter any portion of the account number

or name in the Account Filters and

click Search.



deposit images, if subscribed to, may be viewed by clicking on the Cust Ref # link. This tab is helpful when viewing activity for a single account.

The bottom of this page also provides options for exporting the results of this query.

Reports

A variety of reports are available to view account and transaction activity. To access these reports, in the top navigation bar, click on Reporting > Information Reporting.

Information Reporting reports available are:

Balance Summary

Balance Summary and Detail

Transaction Detail

Account Analysis Combined Accts

Account Analysis Single Accts



Investment – Goldman

Statements



STOP PAYMENTS

Overview The Stop Payment screen under the Check Management tab allows Users to inquire if a check has cleared and to place a Stop Payment on an outstanding check.

Timing and Deadlines Stop Payments may be entered with either a 6 or 12 month term. The system calculates expiration dates on a 30 day/month basis: a six month stop pay expires in 180 days and a twelve month stop pay expires in 360 days.

Permissions, Limits, and Approvals To assign User permissions, navigate to Admin> Users> (select User)> Permissions.

First, each User must have access to individual accounts. Under Account Access, all accounts available to Company are listed and available for assignment. Account Access is granted by clicking Init to the left of each account to be assigned.

After accounts are assigned to the User, access to Stop Payments may be given. Permissions to enter Stop Payments are located under Check Management in the User Permissions area for each User. Permissions may be assigned to all accounts (Cross-Account) or to selected accounts (Per Account). To assign permissions, navigate to Admin> Users> (select User)> Permissions. Click on the next to Check Management (Cross-Account or Per Account) to display the permissions for Stop Payments.

Approvals are not utilized with Stop Payment activity.

50 Stop Payments


Under Check Management, the User may be permissioned to the Stop Payment service.

Procedures The Stop Payment screen may be used to determine if a specific checked has cleared, as well as to place a Stop on a check.

STOP INQUIRY

The top island allows a User to determine if a specific check has cleared. If Company subscribes to Previous Day Reporting for this particular account, the Check Inquiry will search ninety days of history to determine if the check has paid. If Previous Day Reporting is not activated for this account, the Inquiry will search the current statement cycle plus the previous cycle.

To inquire if a check has paid, select an account from the dropdown, enter the check number, and click View.

If the check has cleared, it will appear in the Paid Check Summary. Additional details may be obtained by clicking on the and an image of the check is available by clicking on the check number.

Viewing check images requires

subscription to the Check Imaging

service.



click Search.

51 Stop Payments

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DELETING A STOP PAYMENT

Outstanding Stop Payment instructions may be deleted via the Stop Inquiry screen. If a stop payment instruction exists, a displays to the right of the magnifying glass. Click this icon to delete the Stop Payment.

Click Remove on the confirmation screen.

ENTERING A STOP PAYMENT

The bottom island allows a User to enter a Stop Payment instruction. Select an account from the dropdown and complete all the required fields, as designated by the red asterisk ( * ). Click Place Stop.

If one check in a range has already cleared or a Stop Payment already

exists, Stop Payment

instructions will be placed on the

remaining

52 Stop Payments


You will be asked to verify the information entered and click Send Stop Request.

Once successfully submitted, a confirmation screen displays indicating that the Stop Payment instruction was accepted or that the Stop is already on file.

Reports To view Stop Payment transactions, the custom System Activity Report provides information in User-defined fashions. In the top navigation bar, click on Reporting > Audit > System Activity.

Additional fees apply for 12 month Stop

Payments.

53 Stop Payments


Click on the Custom Reporting button and complete the fields for the appropriate Users and Date Range. You may select individual Activities or select Stops in the Module dropdown and then All Activities. Click Generate Report and a PDF report opens.

The reporting selections may also be Saved for future use by clicking Save Report.

Reminder: Admin rights are required to view information

(including Stop Pay information) entered

by other users; otherwise, a user only sees his/her

own activity.

54 Stop Payments


ACCOUNT TRANSFERS

Overview The Account Transfers module allows authorized Users to move funds between Company’s checking and savings accounts at Commerce Bank. This module also allows Users to make payments to Commerce Bank loans. In order to access the Account Transfers module, user must be setup with Commerce Banks’ Enhanced Security.

Timing and Deadlines Authorized Users may transfer funds with a current-day effective date or may be scheduled to be effective on a future business day. Transfers may be created as a single instance or to recur at established intervals.

All current-day transfers entered after 6:00 PM Central Time will automatically change effective dates and post to the following banking day’s business. You may view the effective date of a transfer by clicking on the magnifying glass next to the transaction on the Home Page island, but be aware that transactions entered and approved after 6:00 pm CST are actually on the following day’s business.

Effective dates for recurring/repeating transfers scheduled for non-banking days (weekends or holidays) will automatically be considered a scheduled payment, with an effective date of the next banking day.

Transfers are posted to the debit and credit accounts on a real-time basis and are reported in both Previous Day and Current Day Information Reporting.

Permissions, Limits, and Approvals

ACCOUNT SET-UP

In order to be eligible to fund or receive an Account Transfer, an account must be added to Commerce Connections with this service activated.

DUAL-APPROVAL

Commerce Connections offers and recommends a dual-approval option on Account Transfers, which forces a second User to approve all or certain transactions. Dual approval may be globally applied for all Account Transfers or may be utilized for certain Users and/or certain dollar values.

To turn on dual-approval globally, please contact your Treasury Services representative.

To utilize dual-approval for certain Users or transactions, please refer to the User Permissions and Limits section of this User Manual. Please note that dual approval requires establishing an Approval Workflow.

Account transfers are posted real-

time.

Cut-off time for same-day posting is

6:00 pm CST. Transactions

entered after 6:00 pm may be viewed

in Current Day reporting and Previous Day

reporting with their

To set-up accounts for Account Transfers,

please contact your Treasury Services

representative.

55 Account Transfers


USER SET-UP

Users may be granted the ability to Initiate Account Transfers and Templates, and may be assigned per transaction or daily dollar limits on the transfers.

Permissions may be assigned to all accounts (Cross-Account) or to selected accounts (Per Account). To assign permissions, navigate to Admin> Users> (select User)> Permissions. Click on the next to Payments and Transfers (Cross-Account or Per Account) to display the permissions for Transfers.

Commerce Connections provides separate permissions for initiating Account Transfers and for creating Templates for frequently-used information.



Dollar limits will be system-enforced; please note that these limits may be Exceeded with Approval, if that box is checked.

Transactions initiated cannot exceed the established company-wide limit, regardless of the amounts entered for an individual User. Additionally, transactions initiated cannot exceed the Account Access limit.

Any User with Account Transfer permissions may view the Account Transfer Report.

For more information about setting up Users, permissions, and limits, please refer to that section of this User Manual.

APPROVAL WORKFLOWS

If Approvals are required, an Approval Workflow must be established. Separate Workflows may be established for approving Transfer transactions and for Transfer templates. For additional information about establishing Approval Workflows, please see that section in this User Manual.

Account Transfer Page Account Transfers are located under the Payments and Transfers tab in the top navigation bar.

After successfully completing the Enhanced Security process, the module Home Page is displayed, which contains several sections (“islands”) of information. The date range may be modified to reflect different time periods.

The top Island (“Summary of Transfers submitted for Approval or Rejected”) displays all transfers which require approval or have been rejected during the Approval process.

Failed transactions are not counted against

daily limits.



The middle Island (“Pending Transfer Summary”) displays transfers which are approved (if required), but are effective in the future. An authorized User may edit or delete these transfers prior to their effective dates.

The bottom Island (“Completed Transfer Summary”) displays transfers which have been completed or have failed. Clicking the next to a Failed transfer provides additional detail on the transaction. If funds are not available for a transfer, the transaction will fail and a message “No Funds Available” will display.

Procedures Account transfers may be initiated on a one-time basis or to repeat multiple times. Templates may be established to facilitate the User entry of transfers from frequently-used accounts.

INITIATING AN ACCOUNT TRANSFER: ONE-TIME OR REPEATING/RECURRING

To originate a transfer between two accounts, navigate to the Home Page for account transfers (Payment and Transfers > Account Transfers). Click on the New Transfer button to view the entry screen.



The following entry screen displays for completion:

1. Optionally:

a. Enter any portion of the account number or name in the Top and From Account Filters. Search criteria includes account numbers, nicknames, account types, routing numbers, etc.

b. Click Search. The pages refreshes and the required To and From Account menus are repopulated with the accounts that best matched your search criteria.

2. Select the account from which you are transferring funds.

3. Select the account to which you are transferring funds.

4. Enter the amount to transfer.

5. Indicate the date on which to make the transfer, either by using the format mm/dd/yyyy, or by using the Calendar to select a date. Transfers may be effective on the current business day (if entered and approved prior to the daily deadline) or on a date in the future.

6. Optionally, enter a memo for the transfer.

7. From the Repeating list, indicate how frequently the transfer repeats, such as weekly or annually. To perform the transfer only once, select None.

8. If the transfer is a repeating transfer, indicate the number of repeats:

c. Select Unlimited to continue the transfer indefinitely, or

If an occurrence of a Repeating transfer is scheduled for a non-

business day, the transfer will be

effective on the following business

day.



click Search.



d. Select # of Transfers, and in the associated field, enter the number of recurring transfers you want to make. The number you enter is the total number of transfers made. Note: Click Cancel to return to the Account Transfers page without initiating the funds transfer.

9. Click Transfer.

10. From the Account Transfer Confirm page, either:

e. Click Save As Template to save the transfer as a template. In the secondary window, enter a template name and click Save template, or

f. Click Send Transfer to send the transfer, and on the confirmation page, click Done.

MULTIPLE TRANSFERS

The Multiple Transfers button on the module Home Page displays a slightly different screen format, designed to allow quick entry of up to five (5) transfers on a single screen.

TEMPLATES

Existing templates may be accessed from the module Home Screen from two locations:

To create a new template, click the Templates button at the top right of the module Home Page screen. At the bottom of the screen, select either Add Single or Add Multiple, depending upon the number of transfers desired for the template.

The New Transfer Template screen contains the same fields as the screen to initiate a transfer.



Complete the fields, including assigning a Template Name, and click Save Template.

APPROVING TRANSFERS

Certain or all transfers or templates may require secondary approval before they are accepted for processing.

Users approving transactions must be assigned the proper permissions and be included in an Approval Workflow.

Transactions requiring approval are located in the Pending Approvals tab in the top navigation bar.

Users may also access the Approval page from the log-in Home page.

Templates may be saved containing a dollar value or may

be $0. When the template is used for a

transfer, the dollar value may be

changed.

Templates may be created for one-time or

recurring/repeating payments.



Clicking to the right of each transaction displays additional information about that transaction, including its status.

Transactions may be approved individually or all together using the top Approvals Action dropdown. Options for each transaction are:

Hold – the payment status does not change and the transaction is held for review at a later date, or by another person if the transaction is awaiting approval from a group.

Approved – if you are the final approver in the approval chain, the transaction status changes to Pending.

Rejected – the transaction status changes to Rejected and the transaction will not be processed.

Optionally, enter a reason for the approval or rejection of the transaction.

Click Submit, then Confirm.



Loan Payments Authorized Users may also make loan payments through the Account Transfer module. Loan accounts are setup with the “Transfer To” entitlement via paperwork submitted when the loan is added to Commerce Connections. Loan payments will require the User to specify a payment type of “Amount Due”, “Principal Reduction” or “Other” for each payment.

The User cannot change the amount due value if they select to pay the “Amount Due”. The pre-populated value is the amount that is showing due as of that day. This amount matches the “Next Payment” amount displayed in loan reporting within Commerce Connections.

Recurring payments cannot be established for loan payments.

Loan payments have a deadline of 4:00 pm CT. If the User attempts to submit a transfer after the deadline, they will receive a message informing them that the processing window has closed for the day.

INITIATING A LOAN PAYMENT

In order for a loan payment to be made, the loan account must appear in the “To Account” list. Select the loan for which payment is being made. Determine Amount for payment; either Amount Due (pre-populated), Principal Reduction or Other. If Principal Reduction or Other is selected, populate the Amount field. Confirm or update the Date field and click TRANSFER to submit the loan payment.



Verify the transfer information and click SEND TRANSFER

If the payment has been submitted after the deadline, the User will receive a message informing them that the processing window has closed for the day.

Loan Advances Authorized Users may also make loan advances through the Account Transfer module. Loan accounts are setup with the “Transfer From” entitlement via paperwork submitted to Commerce Connections. Upon selecting a loan from which to advance, the amount available for advance at that point in time is displayed to the user. The available amount is decremented by any advances processed through Commerce Connections that day. Loan advances can only be made to accounts with the same tax ID that matches the loan account.

Although the user will continue to authenticate when accessing the Account Transfer module, loan advances will require dual approval; one user to originate the advance and a second user to approve it.

They can only be made as single transfers. Loan accounts will not display on the multiple transfers page.

Recurring transactions cannot be established for loan advances. This functionality is hidden when a loan account is selected.

Statuses will be displayed in Commerce Connections to reflect where the advance is in the process. The statuses are as follows:



Sent – the request hs been released by Commerce Connections.

Approval Pending – the advance has been sent and is pending for approval.

Confirmed – the request has been received and is being reviewed.

Acknowledged – the advance has been processed.

Completed – the funds have been memo-posted to the checking/savings account.

Rejected – the advance could not be processed.

Failed – the advance request failed loan account validations.

Loan advances have a deadline of 4:00 pm CT. If the User attempts to submit an advance after the deadline, they will receive a message informing them that the processing window has closed for the day.

INITIATING A LOAN ADVANCE

In order for a loan advance to be made, the loan account must appear in the “From Account” list. When the loan account is selected, the Available Amount for advance at that point in time is displayed to the user.



Select the account to which the advance is being made. Determine Amount for advance. Confirm or update the Date field and click TRANSFER to submit the loan advance.

Verify the transfer information and click SEND TRANSFER.

If the advance has been submitted after the deadline, the User will receive a message informing them that the processing window has closed for the day. The Requested Date will be displayed and an Actual Date will show the adjusted date.

The transaction will be on the pending approval page with and activity type of “Transfer” for a second user to approve. The advance must be approved before it will be processed. For more information on approving transfers.

Loan advance transactions MUST be approved before they

will be processed.



If another advance is requested through Commerce Connections on the same day, the user will see the Available Amount reduced by any advances processed through Commerce Connections that day.

Reports One report is available to view Account Transfer activity. To access this report, in the top navigation bar, click on Reporting > Account Transfer.

Account Transfer reports available are:

Transfer Report



AUTOMATED CLEARING HOUSE (ACH)

Overview Commerce Connections’ ACH module provides an automated means to originate ACH transactions. For example, Company may use ACH for direct deposit of payroll, dividends, pensions, corporate payments, pre-authorized or recurring debits, and federal or state tax payments.

To access ACH services, navigate to Payments and Transfers > ACH > ACH Origination.

ACH Origination requires Enhanced Security throughout specific actions. For additional Enhanced Security information please refer to the Commerce Connections Service Manual.

ACH PERMISSIONS AND LIMITS

To access Commerce Connections ACH services, each user must be assigned the appropriate permissions and dollar limits. System Administrators may assign entry and approval permissions, as well as batch-level and daily-level dollar limits to users by Standard Entry Class (SEC) code. Please see Assign User Permissions in System Administration for information on assigning these permissions and limits.

Users with proper permissions may navigate to Payments and Transfers > ACH > ACH Origination using the navigation bar.

CUT-OFF TIMES

It is recommended that all ACH batches be submitted no later than two banking days prior to effective entry date; however, you may initiate ACH batches one banking day prior to effective entry date.

Commerce Bank collects Company’s approved ACH batches throughout the day. ACH Debit batches are collected one day prior to the effective entry date. ACH Credit batches are collected one or two days prior to the effective entry date. In order to be completed on the current business day, all ACH batches must be entered and all approvals must be complete by the final cut-off, which is reflected on the ACH Payments screen.

Any edits to existing batches must be completed and approved five minutes prior to each cut-off, as all batches already on the system will “lock”. If a user is making a change to a batch during this timeframe, the batch will be processed without the changes and user will receive an error message indicating Batch cannot be modified.

Batches will “lock” five minutes prior to cut-off. Batch edits will not be allowed

during this timeframe.

68 Automated Clearing House (ACH)


ACH PAYMENTS PAGE

This page displays a high-level summary of ACH activity (Submitted for Approval or Rejected, Pending, and Completed). Various criteria allow each user to sort the information based upon their preference or needs.

This screen is also used to access ACH origination functions.

To navigate the ACH Payments Page, you may sort and filter the results displayed:

1. Displays any important messages from Commerce Bank regarding ACH

processing or activity.

2. Provides a date range for the ACH activity displayed within the islands.

3. Indicates whether the displayed batches are for your personal use (User) or for the general use of your entire company (Business). The following field allows selection of batches created for use within a single ACH Company or for all ACH Companies.

4. Displays next file cut-off, as well as the final cut-off for the day.

5. Allows user to sort the island data, based upon the values in this column. Click a second time to reverse the sort order.

Batches are warehoused on Commerce Connections and may be edited or updated as long as they are reflected in the Pending island on the ACH Payments page.



Create Managed Participants Managed Participants are payees (individuals or companies) to whom you make ACH payments. Within the ACH Network, these parties are referred to as Receivers. This page is designed to streamline the batch entry process by retaining the account information for frequently-used Receivers for use in future payments.

To add, edit, or delete a Participant, select the Participants button located on the main ACH Payments screen.

A list of all Managed ACH Participants appears. From this list, you may edit or delete an existing Managed Participant. The red “P” refers to a pending prenote for the Participant (applies to domestic Participants only). Participant list displays pending ACH Participants which have been submitted for Approval or Rejected. Pending ACH Participants cannot be added to a Template or Batch.

Pending ACH Participants

cannot be added to a Template or

Batch until Approval is

obtained.

Managed Participants can be

inserted into multiple

Templates/Batches. Participants not

created as “Managed

Participants” can only be used within

the current


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ADD A NEW DOMESTIC PARTICIPANT

1. In Participant Type, select Domestic.

2. From the Company Name list, select an ACH Company.

3. Enter a Nickname, if desired, to distinguish the new Participant from existing Participants. Nickname may be used for sorting Participants.

4. In the Participant Name field, enter a descriptive name to identify the payee. Participant Name will accompany the ACH payment as it is routed through the ACH Network.

5. Enter the Identification Number which may be provided by the payee or may be assigned by the user. The identification number is a unique number used to identify this participant.

6. Indicate whether a Prenote is required or not. The default for the Prenote field is “not required.” User may check this box if either a prenote is requested or if a prenote is not required.

7. Select the Participant Scope. Company scope Participants are available for use only for the current ACH Company. Business scope Participants are available to the entire business and are not limited to the current ACH Company.

8. Select whether this participant is a Secure Participant or Normal. If the Participant is secure, the user who created the Participant and users with Edit/View Secure Participant Details permission will be able to view the Secure Participant information.

9. In the Bank Name, Bank Identifier (Routing #), and Account # fields, enter the receiving bank name, routing number, and account number for the Participant. If you are unsure of the bank information, perform a bank lookup:

When searching by bank name, multiple

banks may appear with the same

name. It may be necessary to verify

the bank routing information in these



a. Next to the Bank Name field, click Search.

b. In the Bank Lookup dialog box, enter your search criteria, and click Search.

c. From the Bank Lookup Results page, select the appropriate bank name and click Insert Bank Info to insert the information into the new transfer page.

10. Select the payee's Account Type.

11. Click Add Participant and on the confirmation page, click Save.

ADD A NEW INTERNATIONAL PARTICIPANT

1. In Participant Type, select International. International must be selected for

IAT transactions. If you select an international Participant type, the page refreshes to include additional Participant fields, including address fields.

2. From the Company Name list, select an ACH Company.

3. Enter a Nickname, if desired, to distinguish the new Participant from existing Participants. Nickname may be used for sorting Participants.

4. In the Participant Name field, enter a descriptive name to identify the payee. Participant Name will accompany the ACH payment as it is routed through the ACH Network.

5. Enter the Identification Number which may be provided by the payee or may be assigned by the user. The identification number is a unique number used to identify this Participant.



6. Select the Participant Scope. Company scope Participants are available for use only for the current ACH Company. Business scope Participants are available to the entire business and are not limited to the current ACH Company.

7. Select whether this participant is a Secure Participant or Normal. If the Participant is secure, the user who created the Participant and users with Edit/View Secure Participant Details permission will be able to view the Secure Participant information.

8. Enter the international payee's Street Address (must enter full address), including Country and Postal Code.

9. Destination Country refers to the location of the payee’s financial institution.

10. Enter the country where the Branch of the payee’s financial institution is located.

11. Select the Currency Code for the payment.

12. Foreign Exchange Method automatically populates, based upon the selection in the Currency Code field. If the Currency to be sent is U.S. Dollars, the Foreign Exchange Method is Fixed-to-Fixed. If the Currency is any currency other than U.S. Dollars, the Foreign Exchange Method is Fixed-to-Variable.

13. In the Bank Name, Bank Identifier (Routing # or Other Routing #), and Account # fields, enter the receiving bank name, routing number, and account number. If you are unsure of the bank information, perform a bank lookup:

a. Next to the Bank Name field, Click Search.



d. Note: Search feature only applies to U.S. bank routing information.

14. Select the payee's Account Type.

15. Click Add Participant, and on the confirmation page, click Save.

SECURE ACH PARTICIPANTS

Commerce Connections offers a method to limit certain Users from being able to view or edit select ACH Participants, termed Secure ACH Participants. Classifying an ACH Participant as Secure will mask the participant’s Nickname, Participant Name, Bank Name, including routing number, Account Number and Account Type. Only Users with the Edit/View Secure Participant Details permission will be able to edit or view the Secure ACH Participant details. Please refer to the Assign User Permissions section for further information.

The following screen represents how a Secure ACH Participant will display to a User without permission to Edit/View Secure Participant Details. Secure ACH Participants cannot be deleted by a User without permission to Edit/View Secure Participant Details.



If the User clicks the magnifying glass the screen will continue to mask the details of the Secure ACH Participant.

Asterisks are used to mask Secure ACH Participant details.


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Create Participants Participants are payees (individuals or companies) to whom you make ACH payments. Within the ACH Network, these parties are referred to as Receivers. Participants may be added when creating a Batch or Template by selecting Add Entry.

Refer to Add a New Domestic Participant or Add a New International Participant for further information.

Managed Participants can be

inserted into multiple

Templates/Batches. Participants not

created as “Managed

Participants” can only be used within

the current



Batch Templates Commerce Connections offers an option to establish and save templates for re-use in the future. This process provides a quick and easy method of originating payments that recur at regular or irregular intervals.

These templates contain descriptive information, as well as Participant name and bank routing information. Templates may also store dollar values for the payments, although these may be changed when the template is used.

SETTING UP A TEMPLATE

To create a new template, navigate to Payments & Transfers > ACH > ACH Origination and then select the Templates button located on the right side of the screen.

From the ACH Templates page, select the New Template button located on the left side of the page.

The following screen displays:

Templates can be filtered by Template Name, Payee Name, Payee ID, Routing Number or Account Number. Additionally, specific Company IDs can be selected.



To complete the fields:

1. From the Company Name list, select the ACH Company for this template.

2. Select the Batch Type.

3. Enter a Template Name.

4. Enter the Company Description. Company description will appear on Receiver’s bank statement. For example: Salary, Gas Bill, Qtrly Pymt.

5. Optionally, in the Discretionary Data field, enter details as necessary.

6. The Template Scope will automatically default to Business (General Use).

7. If this is a recurring transfer, select a frequency from the Repeating list (Weekly, Bi-Weekly, Semi-Monthly, Monthly, Every 4 Weeks, Bi-Monthly, Quarterly, Semi-Annually, Annually). If this transfer is to continue indefinitely, select Unlimited; or select # of Payments, and in the associated field, enter the number of recurring transfers you want to make. The schedule is based on the effective entry date entered by the user.

8. Click Add Entry to add a new ACH Participant to the template. Complete the on screen fields to add a new ACH Participant or click Managed Participants to add a previously created and saved ACH Participants. Once the on screen fields are complete or the Managed ACH Participant information is on the screen, click Add Entry to return to the Create ACH Batch Template screen.

9. After all entries or ACH Participants have been added to the template, click Save Template.

The effective date of the first recurring batch will be used to calculate future effective dates. The only exception occurs when the effective date falls on a non-business day; in these instances, the effective date is changed to the following business day for both Credit and Debit Entries.



ADDING ENTRIES TO AN EXISTING TEMPLATE

Once a template is established and approved, entries may be added to it. All available templates appear on the Templates page. To access this page, navigate to Payments & Transfers > ACH > ACH Origination, and click on the Templates button.

Select the appropriate template and click on Edit to the right of the template.

The template is displayed containing the descriptive information. Click the Add Entry button to add additional ACH Participants to this template.


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The following screen displays the fields to enter a Participant for the template:

To create an entry for the template, you may either enter all the Participant information (including name and routing information) or you may select Managed Participants to insert a Participant already stored in the system. See Create a Managed Participant or Create Participant for instructions to set up/store a Participant.

If you are choosing to insert a Managed Participant into your template, only certain information contained in the Managed Participant record makes them eligible for use in certain types of templates. The system only allows a user to insert an eligible Managed Participant into a template. Click the Insert button to add the Managed Participant into the template.



After Managed Participant information is inserted, complete the Entry Detail and/or Addenda information, and click Add Entry.

Repeat these steps to add all appropriate Participants to this template.

To save the template for future use, click Save Template.

Hold Entries Once the template is created, a user may place a “hold” on the entire template/batch by checking the Hold Entries box or may “hold” individual entries by checking the Inactive box next to the Participant Name. These entries are not submitted for payment but remain included in template. Note: If a batch is submitted containing a Held/Inactive entry, and a user subsequently wants to submit that entry, Company must either Delete and Resubmit the original batch or create a new batch containing just the Held/Inactive entry(ies).



Create a Batch

CREATE A BATCH FROM A TEMPLATE

To create a batch using an existing template, navigate to Payments & Transfers > ACH > ACH Origination and select the appropriate template from the Choose Template dropdown menu and click Load.

With the template loaded, a user with the appropriate permissions may update dollar amounts for each entry individually from the screen, or by using the Edit button, or update all the amounts for all participants at the same time using the Set All Amounts button.

When the batch is ready, click Submit for Payment.

All Participant information other than the dollar amount must be edited prior to loading the template. Edits may also occur within Managed Participants prior to loading the template.

Only Approved and properly permissioned Templates are displayed within the Template drop down list and are available for use.



On the next screen, click Cancel to cancel the ACH Template and to return to the main ACH Payments screen. Click Revise to go back to the previous screen to update dollar amounts, update the Effective Date, or to Hold a Participant. Or, click Confirm/Submit ACH Payment to submit the ACH Template for approval and payment.

Once confirmed, an individualized reference number will be assigned to the transaction. Click Done to return to the main ACH Payments screen.



CREATE A BATCH WITHOUT USING A TEMPLATE

To create a batch without using a template, navigate to Payments & Transfers > ACH > ACH Origination and click the New Batch button.

The Add ACH Payment screen displays. To complete the fields:


2. Select the Batch Type. Once selected, the screen will update with fields appropriate for that particular Standard Entry Class code.

3. Enter a Batch Name.

4. Enter the Company Description. Company description will appear on Receiver’s bank statement. For example: Salary, Gas Bill, Qtrly Pymt.


6. Select the Effective Date of the ACH transaction. This is the date in which the Participant(s) (or Receiver(s)) intends for their account to be credited or debited, depending on the batch type. The calendar will default to the next business date if originating both a debit or credit batch type. The Effective

Recurring batches require secondary approvals; first immediately after submission, subsequent intervals after effective date of prior transaction has been



Date can be updated by either typing the date in the field or by using the

calendar . The Effective Date cannot be any further out than one year from the current business date.


a. Each interval of the recurring batch will require a secondary approval, with the first occurrence available for approval immediately after submission.

b. Subsequent intervals will be available for approval once the effective date of the prior transaction has been reached.

8. Click Add Entry to add entries and/or Managed Participants to the batch. Refer to Create Managed Participant and Create Participant section for information on adding an Entry(ies).

9. Once all entries have been added to the batch, click Submit for Payment.

10. Verify the batch details. If any changes are necessary, click Revise to be directed back to the previous screen where entries can be added or removed, the effective date can updated, or batch name can be changed.

11. Click Save as Template to retain this ACH batch for future use.

12. Click Confirm/Submit ACH Payment to process the ACH batch.

IMPORT ENTRIES

ACH Import provides a convenient means to import existing NACHA formatted or Fixed length files into Commerce Connections.

1. Click Import Entries from the Create ACH Batch or Create ACH Batch Template screen.



2. The Accepted File Types dropdown menu has two options: ACH File in

NACHA Format or Custom Format.

a. The default option, ACH File in NACHA Format, will permit the import of a NACHA-formatted ACH file.

b. The Custom Format option allows for the import of delimited or fixed length file formats. A custom mapping must be created by clicking the Custom Mappings button.

3. Validate Entries, Only will verify the individual entries within the imported

file and will ignore the other file records (e.g. file header and trailer records, batch header and trailer records, etc.).

4. Select Clear Destination Entries to clear and replace all of the entries in the current batch with the imported entries. The ACH Company, Company Name, Company Entry Description, and Company Discretionary Data are also cleared and replaced with the contents of the imported file.

Selection of ACH in NACHA Format must follow specifications as defined by NACHA – The Electronic Payments Network. Any deviations from the ACH file format specifications will result in an error.



5. Click Import to open a secondary window to designate the file path of the file to import or simply Browse to the file location.

6. Click Upload to import the file.

7. A confirmation report will display. This report can be exported into an HTML, Comma delimited, Tab delimited, PDF, or Plain text format. After selecting your output format, click Export to export the report. You can also simply click the Printer Ready button to print the screen. Or, you can simply click Done to return to the ACH batch.

8. Imported entries will be identified by a plus symbol (+) located at the right of

the entry. Click Edit to make any necessary changes to the entry, including name, routing or account number, participant ID number, or amount.

9. After all changes have been made and amounts have been confirmed, click Submit for Payment.


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10. Click Cancel to cancel the ACH batch completely and to return to the ACH

Payment screen; click Revise to return to the previous screen to update the ACH batch; click Confirm/Submit ACH Payment to submit the ACH batch for approval and final payment; or click Save as Template to save this ACH batch as a future ACH template.



CUSTOM MAPPINGS

To import fixed length files within Commerce Connections, User must define the mapping to be used.

1. Select Custom Mappings, click on Add Custom Mapping.

2. Complete the Name, Description, Output Format (represents the batch

type or SEC code), and the Import Format (delimited or fixed length).

3. Click Next to continue the customer mapping setup process.

4. Complete all required and necessary fields under the Input File Definitions,

Record Update Options, and Field Mappings headings.

5. Click Save.



6. Click Done to return to the ACH Payment Import screen.



7. Change the Accepted File Types dropdown menu to Custom Format.

8. Using the Custom Mappings dropdown menu, select the appropriate custom format type.

9. Click Import to open a secondary window to designate the file path of the file to import or simply Browse to the file location.

10. Click Upload to import the file. To complete the batch or template, refer to Import Entries section.

ACH BATCH STATUS

The ACH Payments Page reflects the status of submitted ACH batches. Pending ACH batches may be viewed , edited or deleted . Completed ACH batches have been submitted for processing and no longer can be edited or deleted.




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Upload ACH File

OVERVIEW

The Upload feature is designed to accept files already in the proper NACHA format. The Upload feature allows a quick and simple acceptance of files created outside Commerce Connections.

Please be aware of the following regarding Uploaded files:

User must be permitted to the ACH Company ID located in the header record and batch control record. User must also be permitted to the Standard Entry Class Codes (SEC) contained within the file.

Established batch and daily limits are not applied to Uploaded files.

ACH Upload will perform an edit process checking for duplicate files within the last ninety (90) days. The following fields will be checked: Create Date, Create Time, File Modifier and ODFIACHID.

Secondary user approvals (required for other ACH activity) are not required for Uploaded files. Utilization of the Upload feature requires the user to have

Uploaded ACH files do not display on the ACH Payments home page. To view Uploaded ACH files, run the ACH File Upload



proper authorizations and access to provide Commerce Bank with file verification totals.

The file must be in a proper NACHA format.

Uploaded ACH files do not display on the ACH Payments home page. To view Uploaded ACH files, run the ACH File Upload Report.

UPLOADING AN ACH FILE

From the ACH Payments home page, click on the File Upload button.

When the File Upload page displays, click Upload.

Click the Browse button to locate the NACHA-formatted file and click Upload.

If the file Upload was successful, the ACH File Upload Report will display. The following confirmation page will appear for review and may be printed as confirmation. If ACH Batch Import ”failed”, an error message will be displayed in red to indicate reason(s) that batch could not be imported. Click Done to return to the main ACH Payments screen.

ACH Upload will perform an edit process checking for duplicate files within the last 90 days.



ACH Reversals In certain cases an ACH batch may be originated and processed by Commerce Bank in which erroneous or duplicate entry(ies) were identified. It may be appropriate to originate an ACH reversal to attempt to reclaim the erroneous or duplicate entry(ies).

Please be aware of the following regarding ACH Reversals:

Users with permission to create new ACH batches will automatically have permission to create ACH reversal batches.

Any specific dollar limits established for a user will not be considered when an ACH reversal batch is initiated.

Additional approval is not required.

ACH Reversal entries must be in Compliance with NACHA Operating Rules. (See the ACH Service Manual for ACH Reversal Guidelines).

1. Identify the ACH Batch containing the erroneous or duplicate entry(ies) within the Completed ACH Payment Summary island. Click on the magnifying glass

to view the details of the batch.

ACH Reversal entries must be in Compliance with NACHA Operating Rules. See the ACH Service Manual for ACH Reversal




2. Click Reverse.



3. Click Check All to select all entries in the batch for ACH reversal. Or, click

the individual entry(ies) in the batch for ACH reversal. Once the entry or entries have been selected for ACH reversal, click Send.



4. The ACH reversal batch will be identified in the Pending ACH Payment

Summary island by the grayed out Edit . Pending ACH Reversal batches may only be viewed and/or deleted.






ACH Reversal Form Direct Send/ACH Upload

OVERVIEW

The ACH Reversal Form is available for Direct Send and/or ACH Upload customers that are unable to complete an ACH Reversal using the “Reverse” feature built within the ACH Origination module.

To access the ACH Reversal Form, navigate to Payments & Transfers > ACH > ACH Reversal.

ACH REVERSAL OPTIONS

The ACH Reversal Form contains three Reversal Type options:

1. Batch Reversal

2. Transaction Reversal

3. File Reversal

Field requirements will changes based on Reversal Type selection. The following represents a Transaction Reversal form. User must fill in all required fields (fields containing a red *). Click Submit.



1. Click Submit.

2. Verify information and click Confirm/Submit.

3. Click Done.

Please note, if the Effective Entry date is not within NACHA Operating Rules, (5 business days from effective entry date), the ACH Reversal cannot be submitted. Please refer to the ACH Service Manual for additional information and guidance on ACH Reversals.

ACH Reversal Direct Send/ACH Upload Report An ACH Reversal Report is available by navigating to Reporting > ACH or by clicking on the Reporting button within the ACH Reversal page.



The report can also be accessed from the ACH Reversal screen.

The following ACH Reversal report criteria can be selected. Based on selections made, an ACH Reversal report will be generated and display previously entered Reversal Requests.



Tax Payments Commerce Connections’ Tax Payments module allows Company to electronically pay federal and state tax payments containing addenda.

To access the Tax Payments function, navigate to Payments & Transfers > ACH > Tax Payments.

MANAGE TAX TYPES

The Tax Payments module maintains federal and state tax form types. In order to use the tax form type, they must be added for use.

1. Click Manage Tax Types button to be directed to the corresponding screen to add the federal or state tax forms.

2. Click New Tax Type.

Before any tax payment can be made, the specific tax type must be added first.



3. Select the federal tax type from the dropdown menu list you wish to add and

click Add. If you wish to add a state tax type, select the state first, followed by the tax type from the dropdown menu list and click Add. Use the Business Use or Personal Use dropdown menu list to assign the tax type to everyone (Business Use) or to yourself only (Personal Use). Repeat steps 2 and 3 to add all federal and/or state tax types you wish to use.

4. Once added, the Tax Forms screen will display all tax types added by

following steps 2 and 3. Click Done to return to the Tax Payments screen.



CREATE A TAX PAYMENT BATCH

After the tax forms have been added, a batch can be created.

1. Click New Batch.

2. From the Company Name list, select the ACH Company for this batch.

3. The Batch Type will automatically be selected (Tax Payment).




5. Enter the Company Description, as specified by the federal agency or state you are paying.

6. Complete the Discretionary Data field, if required.

7. Select the Effective Date of the tax payment. This is typically the date the tax is due as specified by the federal agency or state you are paying. The calendar will default to the next business day. The Effective Date can be updated by either typing the date in the field or by using the calendar . The Effective Date cannot be any further out than one year from the current business date.

8. Click Add Entry to add the tax form to the batch.

9. Use the dropdown menu list to pick the tax form you wish to use. If the

particular tax form you need is not in the dropdown menu list, click Manage Tax Types to add the tax form you need. Refer to the steps under the Manage Tax Types section for details.



10. After selection of the tax form, the screen will refresh and display all the fields

relative to that particular tax form. Be sure to complete all fields as required by the specific tax form selected. As an option, click View Addenda to display the details of the payment-related information that will accompany the payment.



11. Click Add Entry after all information is complete and you are ready to

proceed.

12. Once the batch is ready for submission, click Submit for Payment.



13. Verify the batch details. If any changes are necessary, click Revise to be directed back to the previous screen where entries can be added or removed, the effective date can be updated, or batch name can be changed.

14. Click Save as Template to retain this tax payment for future use.

15. Click Confirm/Submit Tax Payment to process the tax payment.

16. A Tax Payment confirmation page will be displayed after confirming the

payment as been sent for approval. An individualized reference number will be provided for research purposes. Click Done to return to the Tax Payment screen.



CREATE A TAX PAYMENT TEMPLATE

Commerce Connections offers an option to establish and save tax batches for re-use in the future. This process provides a quick and easy method of originating tax payments that recur at regular or irregular intervals.

The tax batches contain descriptive information, as well as the taxing authority being paid and bank routing information. Templates may also store dollar values for the payments, although these may be changed when the template is used.

To create a new template, navigate to Payments & Transfers > ACH > Tax Payments and then select the Templates button located on the right-side of the screen.

From the Tax Payments Templates page, select the New Template button located on the left-side of the page.






2. The Batch Type will automatically be selected (Tax Payment).


4. Enter the Company Description, as specified by the federal agency or state you are paying.


6. The Template Scope will automatically default to Business (General Use).

7. Click Add Entry to add the tax type form to the template.

8. Use the dropdown menu list to pick the tax form you wish to use. If the particular tax form you need is not in the dropdown menu list, click Manage Tax Types to add the tax form you need. Refer to the steps under the Manage Tax Types section for details.



9. After selection of the tax form, the screen will refresh and display all the fields

relative to that particular tax form. Be sure to complete all fields as required by the specific tax form selected. As an option, click View Addenda to display the details of the payment-related information that will accompany the payment.

10. Click Add Entry after all information is complete.

11. Click Save Template.



12. The new tax template is now ready for approval.

The new tax template must be approved before it can be used, if template approvals are required.



Child Support Payments The Commerce Connections ACH module allows Company to pay Child Support Payments electronically.

To create a Child Support Payment navigate to Payments & Transfers > ACH > Child Support Payments.

CREATE A CHILD SUPPORT PAYMENTS BATCH

To create a new Child Support Payments batch, follow these steps:

1. Click New Batch button.


3. The Batch Type will automatically be selected (Child Support Payment).

4. The Child Support Type will automatically be selected (00 State – Child Support Payment).




6. Enter the Company Description. Company description will appear on Receiver’s bank statement. For example: MO CS Pymt, KS CS Pymt.


8. Select the Effective Date of the ACH transaction. This is typically the date the payment is due as specified by the state. The calendar will default to the next business day. The Effective Date can be updated by either typing the

date in the field or by using the calendar button. The Effective Date cannot be any further out than one year from the current business date.


a. Each interval of the recurring batch will require a secondary approval, with the first occurrence available for approval immediately after submission.

b. Subsequent intervals will be available for approval once the effective date of the prior transaction has been reached.

10. Click Add Entry to add entries to the batch.

11. Complete all fields as required by the form. As an option, click View

Addenda to display the details of the payment-related information that will accompany the payment.

Recurring batches require secondary approvals; first immediately after submission, subsequent intervals after effective date of prior transaction has been





12. Click Add Entry after all fields are completed and you are ready to proceed.

13. Once the batch is ready for submission, click Submit for Payment.



14. Verify the batch details. If any changes are necessary, click Revise to be

directed back to the previous screen where entries can be added or removed, the effective date can updated, or batch name can be changed.

15. Click Save as Template to retain this child support payment for future use.

16. Click Confirm/Submit Tax Payment to process the child support payment.



17. A Child Support Payment confirmation page will be displayed after confirming

the payment as been sent for approval. An individualized reference number will be provided for research purposes. Click Done to return to the Child Support Payments screen.

CREATE A CHILD SUPPORT PAYMENT TEMPLATE



Commerce Connections offers an option to establish and save child support payment batches for re-use in the future. This process provides a quick and easy method of originating child support payments that recur at regular or irregular intervals.

The child support payment batches contain descriptive information, as well as the state authority being paid and bank routing information. Templates may also store dollar values for the payments, although these may be changed when the template is used.

To create a new template, navigate to Payments & Transfers > ACH > Child Support Payments and then select the Templates button located on the right-side of the screen.

From the Child Support Templates page, select the New Template button located on the left-side of the page.






2. The Batch Type will automatically be selected (Child Support Payment).

3. The Child Support Type will automatically be selected (00 State – Child Support Payment).


5. Enter the Company Description. Company description will appear on Receiver’s bank statement. For example: MO CS Pymt, KS CS Pymt.


7. The Template Scope will automatically be selected (Business (General Use)).


9. Click Add Entry to add entries to the batch.



10. Complete all fields as required by the form. As an option, click View

Addenda to display the details of the payment-related information that will accompany the payment.



11. Click Add Entry after all fields are completed and you are ready to proceed.

12. Once the batch is ready for submission, click Save Template.



13. The new child support template is now ready for approval.

The new child support template must be approved before it can be used, if template approvals are required.



Same Day ACH

OVERVIEW

Same Day ACH is an option to move funds faster than traditional ACH. This service allows ACH transactions to be originated by an Originator and received by the Receiver on the same business day as eligible per NACHA rules and is received by Commerce’s Same Day ACH deadline.

Your company must be entitled to the Same Day ACH service in order for Commerce to process same-day dated ACH transactions.

ORIGINATING ACH, TAX & CHILD SUPPORT PAYMENTS

On the ACH Origination, Tax Payments, and Child Support Payments home pages, the upcoming cut-off times are now displayed more prominently at the top of the page. The Same Day Approval Deadline will be displayed on these home pages if Same Day has been enabled for any ACH company within the business.

Upon creating a new batch, the user is shown a reminder regarding what types of entries are not eligible for Same Day ACH processing. This message only displays if Same Day ACH functionality is turned on for the selected ACH Company. Also, the calendar will expose the current date for credit or mixed batch types if the Same Day deadline has not been passed. *Note: The default effective date will remain the next day.



If the Same Day effective date is selected, a “Same Day Batch” indicator will be displayed when the page refreshes. Upon submitting the batch, if there are any entries that are not eligible for Same Day processing, an error message is presented for each ineligible entry. The user will need to update the entry, hold the entry, or move the effective date of the batch into the future.



The Same Day batch indicator will be displayed on the Verify and Confirmation pages if the batch is eligible to be processed as a Same Day batch.

*Note: The batch would need to be approved prior to the Same Day approval deadline in order to be processed as a Same Day batch.



APPROVING

The Same Day approval deadline will be displayed on the Pending Approvals page if there is a batch which is eligible for Same Day processing. The effective date of the Same Day eligible batches will be italicized, in red font, and marked with an asterisk to bring attention to batches which will be processed if approved. Likewise, the Same Day pending approvals information will be displayed for all eligible ACH transaction types: ACH Origination batches, Tax Payments and/or Child Support Payments.

If approved, additional charges may apply.

UPLOADING A FILE

The Same Day Approval Deadline will be displayed on the ACH File Upload page. This date/time references the same cutoff value used by the ACH origination, Tax Payment and Child Support Payment modules.

If the following conditions are met upon uploading an ACH file, a message will display on the ACH File Upload confirmation screen stating that the file contains entries which are eligible for Same Day processing:

The Same Day upload deadline has not passed

The file contains a batch with today’s date (or the next business day if uploaded after the final ACH cutoff of the day)

That batch’s ACH Company has Same Day processing enabled

Batch contains at least one eligible entry, per effective NACHA rules



Approving ACH, Tax, and Child Support Transactions for Processing All of the following, whether new or modified from a previous version, require approval before further processing can occur:

ACH Participants

ACH Templates

ACH Batches

Tax Payment Templates

Tax Payment Batches

Child Support Templates

Child Support Batches

Users within the application must have appropriate permission to create, modify or approve the above list. Additionally, approval steps are determined and configured in the Approval Workflow for a particular transaction type.

ACH PARTICIPANTS



New or modified ACH Participants can be found after clicking the Participants button. The ACH Participants that have been modified or are new can be found under the ACH Participants – Submitted for Approval or Rejected section. Note: the Action heading indicates whether the ACH Participant was Added or Modified.

ACH/TAX/CHILD SUPPORT TEMPLATES

New or modified ACH/Tax/Child Support Templates can be found after clicking the Templates button. The Templates that have been modified are recognized by the Submitted for Processing text under the Template name.

Note: The following example represents the ACH Templates page; however, Tax Templates and Child Support Templates will have a similar view.



ACH/TAX/CHILD SUPPORT BATCHES

The ACH Payments, Tax Payments and Child Support Payments Pages display batches awaiting approval, including who submitted the batch and who is eligible to approve it. The batches awaiting approval can be found in the Summary of ACH Payments Submitted for Approval or Rejected.

Note: The following example represents the ACH Payments page; however, Tax Payments and Child Support Payments will have a similar view.



Pending Approvals Users with permission to approve transactions will be alerted of pending approval transactions on the Home page after logging in or they can proceed to the Pending Approvals menu to view all transactions requiring approval. Please see the Pending Approvals section.



Reports A variety of reports are available to assist Company to view and manage ACH Origination. These reports are available by navigating to Reporting > ACH.

ACH Reports available are:

ACH Payments

Tax Payments

Child Support Payments

ACH File Upload

Consolidated Report

Received Items Detail

Returns

Returns AM

Returns PM

Translated Addenda

Translated Addenda AM

Translated Addenda PM

Untranslated Addenda

Untranslated Addenda AM

Untranslated Addenda PM

Depending on your Company’s individual settings, not all ACH Reports will be available for use. Contact your Treasury Services Representative if you wish to add an ACH Report for

C ’



For sample ACH Reports, please refer to the Reports sections.

The ACH Payments report will also mask Secure ACH Participant details if the user does not have permission to Edit/View Secure Participant Details. A user with permission to Edit/View Secure Participant Details can elect to print the secure participant details masked or unmasked by selecting the appropriate response in the ACH Payments report criteria. (See following example.)

Users without the Edit/View Secure Participant Details permission and Users that elect not to view secure participant details on the ACH Payments Report will see the following:

Users with Edit/View Secure Participant Details will see the following:





ACH Field Descriptions The following is a list of the fields used to setup an ACH batch:

Company Name – Companies are setup by Commerce Bank.

Batch Type – Contains a three-character code used to identify the type of transaction. Company must select the drop-down list to view and/or select the available transaction types that were pre-determine by Company.

Batch Name – Used to describe the type of Batch. For example: “Hourly Payroll, “Quarterly Tax Payments”, etc.

Company Description – Company description will appear on Receiver’s bank statement. For example: “Salary”, “Gas Bill”, “Qtrly Pymt”.

Discretionary Data – Allows the Company to include information of significance to them.

Effective Date – Specified by the Company as the date on which settlement for entries in that Batch is expected to occur.

The following is a list of fields used to setup an ACH Entry/Participant:

Nickname – Can be used to distinguish the new participant from existing participants.

Participant Name - A descriptive name to identify the payee.

Identification # - Number provided by the payee or Company can assign a unique number to identify the participant.

Bank Name – The participant’s Financial Institution to receive the debit or credit.

Bank Identifier – Also known as “Bank ABA and/or Bank Routing Number”.

Account # - The account number to receive the debit or credit.

Account Type – Designate whether the account is a checking or savings account.

Prenote Transaction – Allows Company to verify that the Receiving Depository Financial Institution (RDFI) routing number and account number combination is valid and recognized by the ACH network.

Amount – Specify the dollar amount of the debit or credit.

Discretionary Data – Field available for any data that may be significant to the Company.

Note: Fields may vary depending on Batch Type Selected.



POSITIVE PAY

Overview Commerce Connections’ Positive Service provides customers the ability to view exception items and enter payment decisions for those items. Users may perform Manual Issue and Manual Void requests on items not included in Company’s Issue file. Users may also Upload Positive Pay Issue files through the Issue File Upload function. To import Delimited and Fixed files into the system, Users must first define the mapping to be used.

To access Positive Pay services, navigate to Check Management > POSITIVE PAY.

Once a User logs into system, within the Home screen will be a message alerting the User whether or not there are Positive Pay Exceptions that require approval. User may click on positive pay exceptions to access the Positive Pay module.

In order to access Positive Pay, Enhanced Security is required. For additional Enhanced Security information please refer to the Commerce Connections Service Manual.

If Positive Pay Exceptions are not available for approval, a No new p. pay exceptions to approve message will be displayed.

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POSITIVE PAY PERMISSIONS

To access Commerce Connections Positive Pay services, each user must be assigned the appropriate permissions. System Administrators may assign account permissions. Please see Assign User Permissions in System Administration for information on assigning these permissions.

CUT-OFF TIMES

Commerce Bank processes Company’s Positive Pay decisions Monday through Friday, excluding bank holidays.

Exceptions are typically reported at 9:30 a.m. CT and/or 10:30 a.m. CT. The cutoff for User disposition is 2:00 p.m. CT. After the cutoff time, a User may view Positive Pay reports showing all items and their final disposition.

Issue File Upload, Manual Issue and Void input deadline is 7:00 p.m. CT. Issues received through the Issue File Upload and/or Manual Issue and Void will be available for payment at the Branch within 30 minutes after submission.

POSITIVE PAY PAGE

This page displays a summary of all Positive Pay Exceptions. From the Positive Pay page, Users may select the account(s) to view in order to decision items, search for specific check number, dollar amount, exception type and/or item status. Various criteria within the Positive Pay Exception Summary island(s) allow each user to sort the information based upon their preference or needs.

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To navigate the Positive Pay Page, you may sort and filter the results displayed:

1. Displays any important messages from Commerce Bank regarding Positive Pay processing or activity.

2. Provides a summary of all exceptions for Company’s Positive Pay accounts.

3. Indicates the number of exceptions for the specific account.

4. Allows User to search for specific criteria such as check number, amount, exception type and/or item status.

5. Allows user to sort the island data, based upon the values in this column. Click a second time to reverse sort order.

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Positive Pay Exception Summary This page allows Users to decision items that have been presented as exceptions for various reasons. Decision options are: Issue, Pay or Return. Note: Items decisioned with the “Issue” instruction will appear as part of the Company’s issue file. Items decisioned with the “Pay” instruction will appear on Company’s Reconciliation Reports as “Paid No Issue” and items decisioned to “Return” will display the return reason as selected by User.

If Company’s default decision is “Return”, items that are left un-decisioned by the cutoff time will be returned as “No Authority to Pay”.

1. Provides the Exception Type reason for items presented to Company for decisioning.

2. Allows a User the ability to view the check image and select Issue, Pay or Return exception item(s). Note: By selecting the decision option within the header criteria, all items presented will be flagged for that specific decision.

3. If Return is selected, User must select a Return Reason from the drop down menu. If a reason is not selected, User will receive the following error message when submitting the decisions Return Reason must be provided if decision is Return.

4. Once decisions are entered, click Submit.

5. Once User selects Submit, confirmation message stating decisions have been successfully submitted will be displayed. User will also be presented with the Modified By User name.

6. The Reset function will allow User to return to the previously committed decisions.

All decisions must be entered into the system by the cutoff time of 2:00 p.m. CT.

The RESET function will allow User to return to the previously committed decisions

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7. Once decisions have been successfully submitted, User returning to the Positive Pay Exception Summary screen will be presented with a Modified By User Name, decision and Return Reason, if applicable, entered by last User.

Create Manual Issues/Voids Within the Check Management > POSITIVE PAY screen, User may select Manual Issues/Voids. Manual Issue and Void input allows user to enter issue or void information on items not included in the Company’s Issue file.

This page allows Users to input manual Issues and/or Voids. User may navigate to Reporting > Information Report and select the Manual Issue and Void Summary Report to view activity submitted via the Manual Issues/Voids.

Decisions are available for editing until established bank cut-off time

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1. Select an Issue or Void Date from the calendar icon.

2. Select account number.

3. Input the check number and amount. Payee Name information is optional.

4. If User is issuing an item, Void checkbox should be left blank.

5. If User is voiding an item, place a checkmark within the void column on the far right.

6. Click Done.

The system will apply a decimal point to the end of the entry, unless entered in manually by User. Amount field must be entered in numeric format

Manual Issues will be available for payment at the Branch within 45 minutes after submission up until the 5:00 p m CT cutoff

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7. User may either select Upload to complete the Manual Issues/Voids process or Edit in order to make changes to the entries.

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Issue File Upload Within the Check Management > POSITIVE PAY screen, User may select “Issue File Upload”.

This page allows User to upload a Positive Pay Issue file and/or create a Custom Mapping for additional formats to be uploaded. User may navigate to Reporting > Information Report and select the Manual Issue and Void Summary Report to view activity submitted via the Issue File Upload.

1. Select either Positive Pay Check Record or Custom Format within the Accepted File Types.

a. Positive Pay Check Record - allows User the ability to upload their Positive Pay Issue File in a pre-defined format. Positive Pay Check Record format and sample file may be found in Appendix A.

b. Custom Format - allows User the ability to upload their Positive Pay Issue file in a variety of formats by creating a custom mapping definition.

2. If Positive Pay Check Record is selected, new window will appear requesting User to enter file path or click browse to navigate to the Positive Pay Issue file.

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3. Browse for Positive Pay Issue File.

4. Select Upload.

a. If errors are found, a Positive Pay Import Errors page will be displayed. User will need to make necessary corrections to the Positive Pay Issue file in order for the file to be uploaded successfully.

b. Within the Positive Pay Import Errors page, click Continue and Positive Pay File Upload page will be displayed.

c. If no errors are found, User will receive Upload of positive pay file was successful message.

d. Click Done to continue.

5. If Custom Format is selected from the Accepted File Types, User will select a custom map from the drop down menu or create a new one by clicking on Custom Mappings > Add Custom Mapping.

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CREATING A CUSTOM MAPPING

1. User creating a new Custom Map must select Custom Mapping from the Positive Pay > File Upload page.

2. User will then need to click the Add Custom Mapping button.

3. User will then be directed to the Add Custom Mapping screen.

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a. Input Custom Map Name and Description.

b. Output Format must contain Positive Pay Check Record.

c. Select the Input Format Delimited or Fixed Length.

i. Delimited - file is comma delimited or separated by any other delimiter.

ii. Fixed Length - each field has a set position and field length that must match the custom mapping.

d. Click Next.

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4. Fixed Length - Complete the Input File Definition and Field Mappings sections.

a. Input File Definition Sample:

i. Input Format - Fixed Length

ii. Record Delimiter - CR/LF (Commerce Bank required format)

iii. Number of Header Characters - zero

iv. Number of Header Lines - zero

v. Date Format - MMDDYY

vi. Date Separator - none

vii. Money Format - 2 Decimals Implied

b. Field Mappings Sample:

i. Account Number - 12 characters including leading zeros

ii. Routing Number - enter “101000019”

iii. Payee Name - (optional) 32 characters

iv. Check Number - 10 characters

v. Check Date - 6 characters

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vi. Check Amount - 11 characters

vii. Void Check - 1 character. User must enter “V” for voids or leave blank for issues.

Sample Fixed Length file as defined above:

5. Delimited - Complete the Input File Definition and Field Mappings sections.

a. Input File Definition Sample:

i. Input Format - Delimited

ii. Field Delimiter - comma delimited

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iii. Record Delimiter - “LF”

iv. Number of Header Lines - 1

v. Date Format - MMDDYY

vi. Date Separator - “/”

vii. Money Format - As-Is

b. Input Field Mappings Sample:

i. Account Number - 12 characters including leading zeros

ii. Routing Number - enter “101000019”

iii. Payee Name - (optional) 32 characters

iv. Check Number - 10 characters

v. Check Date - 6 characters

vi. Check Amount - 11 characters

vii. Void Check - 1 character. User must enter “V” for voids or leave blank for issues.

Sample CSV file as defined above:

The Custom Mapping list contains all of Company’s pre-defined custom mappings. From this list, you may edit or delete an existing Custom Mapping.

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Appendix A

Positive Pay Check Record format requires Company’s Account Number to be formatted with a “-1” suffix.

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Positive Pay Reports A variety of reports are available to assist Company to view Positive Pay decisions, Positive Pay Activity and Manual Issue/Void. The following reports are available by navigating to Reporting > Positive Pay.

Positive Pay Reports available are:

Decision Summary

Positive Pay Activity

Manual Issue and Void Summary

Depending on Company’s Positive Pay Service, additonal Account Reconciliation Reports are available by navigating to Reporting > Information Reporting.

Please refer to the Account Reconciliation Service Manual for information on Report availability for each service option.

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Account Reconciliation Reports Account Reconciliation Reports that may be available within Information Reporting are:

ARP Checks Paid Report

ARP Deposit Detail Report

ARP Miscellaneous Credits and Debits Report

ARP Outstanding Check Report

ARP Reconciliation Summary Report

ARP Return Report

ARP Stop - Cancel Activity Report

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CHECK RETURN

Overview Commerce Connections’ Check Return service allows customers the ability to view items that have posted to Company’s DDA account. This service may also be known as Reverse Positive Pay. Users may submit a request to return items presented via the Check Return service. The cutoff for Check Return requests is 2:00 p.m. CT.

To access Check Return, navigate to Check Management > Check Return.

Within Check Return, the following search criteria is available through the Search Tools:

Date Range

Serial Number Range

Amount Range

Decision Type

Return Reason

Users will receive an error message if trying to enter an invalid range for Serial Number or Amount Range.

All decisions must be entered into the system by the cutoff time of 2:00 p.m. CT.

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Check Return Disposition This page allows Users to decision items that have been presented for payment the previous business day and are available for disposition in the Action column. Decision options are: Paid or Return. Default decision is Paid therefore items left un-decisioned by the cutoff time will be paid.

1. User has the ability to view the check image and select Return. Note: Paid is the default disposition.

2. If Return is selected, User must select a Return Reason from the pop up menu. Return Reason must be provided if decision is Return. The following return reasons are available:

a. No Authority to Pay

b. Fraud/Forgery

c. Improper Endorsement

3. Once decision is entered, click Submit.

When the item is selected, the window will be split and the image viewer appears. If there is an image available for the item, it will show in the image viewer window with the details to the right of the image. The check details can be removed from the window by clicking on the > to the right Check Details.

The Check Return page also allows User the ability to view previously dispositioned items. This can be done be selecting the Display History button. Note: Display History does not allow a user to edit a previous decision.

To CHANGE your decision, hover over the previous decision under the action column and select the new decision.

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Check Return Report A Check Return report is available to assist Company in viewing Check Return dispositions. The following report is available by navigating to Reporting > Positive Pay.

After the 2:00 p.m. CT cutoff, User may also view the Check Return Summary Report by navigating to Check Management > Check Return and selecting Reporting within the Disposition page.

Check Return Report available is:

Check Return Summary

Check Return Summary Report displays data based on check Paid Date. User must select Yesterday in order to view their current day dispositions.

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WIRE TRANSFER

Overview Commerce Connections’ Wire Transfer Service provides customers with an automated means to initiate Wire Transfer transactions.

To access Wire Transfer services, navigate to Payments and Transfers > WIRES.

Wire Origination requires Enhanced Security throughout specific actions. For additional Enhanced Security information please refer to the Commerce Connections Service Manual.

WIRE PERMISSIONS AND LIMITS

To access Commerce Connections Wire Transfer services, each user must be assigned the appropriate permissions and dollar limits; as well as templates. System Administrators may assign entry and approval permissions. Please see Assign User Permissions in System Administration for information on assigning these permissions and limits.

Users with proper permissions may navigate to Payments and Transfers > Wires using the navigation bar.

CUT-OFF TIMES

Commerce Bank processes Company’s approved Wire transfer origination request Monday through Friday until 4:00 p.m. CT, excluding bank holidays.

Company should be aware that varying holidays are observed by different banks and/or Federal Reserve Districts. Commerce Bank cannot execute a Wire Transfer instruction for a day that is not a valid banking day at the receiving institution.

WIRE TRANSFER PAGE

This page displays a high-level summary of Wire Origination activity (Submitted for Approval or Rejected, Pending, and Completed). Various criteria allow each user to sort the information based upon their preference or needs.

To navigate the Wire Origination Page, you may sort and filter the results displayed:

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6. Displays any important messages from Commerce Bank regarding Wire Transfer

processing or activity.

7. Provides a date range for the Wire Transfer activity displayed within the islands.

8. Indicates whether the displayed Wires are for your personal use (User) or for the general use of your entire company (Business). The following field allows selection of domestic or drawdown Wires.

9. Allows user to sort the island data, based upon the values in this column. Click a second time to reverse sort order.

Create Wire Beneficiaries This page is designed to streamline the wire transfer entry process by retaining the beneficiary information for frequently-used Receivers for use in future payments.

To add, edit or delete a Beneficiary, select the Beneficiary button located on the main Wire Transfers screen.

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List of all Managed Wire Beneficiaries appear. The first list displays pending Wire Beneficiaries which have been submitted for Approval or Rejected. Pending Beneficiaries cannot be added to a Template or Wire Transfer.

The Wire Beneficiaries list contains all approved Beneficiaries. From this list, you may edit or delete an existing Managed Beneficiary.

To create a new Beneficiary, click “Add Beneficiary” at the bottom of the page.

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ADD A NEW DOMESTIC BENEFICIARY

1. In the Account Number field, enter the beneficiary’s account number at the

receiving bank.

2. In the Beneficiary Name field, enter the name of the beneficiary. Enter the Debit Account Name in the case of a Drawdown Beneficiary.

3. Enter a Nickname, if desired, to distinguish the new Beneficiary from existing Beneficiaries. Nickname may be used for sorting Beneficiaries.

4. Enter the address of the beneficiary in Address 1, Address 2, City, State/Province, ZIP/Postal Code, and Country (if entering a Regular beneficiary).

5. Enter the name of any applicable Contact Person.

6. Choose the whether the Beneficiary Type is Regular or Drawdown.

7. Select the Beneficiary Scope. Business scope Participants are available to the entire business.

8. In the Bank Name and Fed ABA (Routing #) fields, enter the receiving bank name and routing number for the Beneficiary Bank. If you are unsure of the bank information, perform a bank lookup:



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If the bank does not display using the Search option, fill in the Bank Name, City, and State, and click Manual Entry. Enter as much information as possible into the Address and FED ABA fields.

9. If applicable, click Add Intermediary Bank and repeat the process for any Intermediary and Target banks.

10. Click Save Beneficiary and on the confirmation page, click Confirm/Save Beneficiary.

ADD A NEW FOREIGN BENEFICIARY

1. In the Account Number field, enter the beneficiary’s account number at the

receiving bank.

2. In the Beneficiary Name field, enter the name of the beneficiary. Enter the Debit Account Name in the case of a Drawdown Beneficiary.

3. Enter a Nickname, if desired, to distinguish the new Beneficiary from existing Beneficiaries. Nickname may be used for sorting Beneficiaries.

4. Enter the address of the beneficiary in Address 1, Address 2, City, State/Province, ZIP/Postal Code, and Country (if entering a Regular beneficiary).

5. Enter the name of any applicable Contact Person.

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6. Choose the whether the Beneficiary Type is Regular or Drawdown.

7. Select the Beneficiary Scope. Business scope Participants are available to the entire business.

8. In the Bank Name and Fed ABA (Routing #) fields, enter the receiving bank name and routing number for the Beneficiary Bank. If you are unsure of the bank information, perform a bank lookup:




If the bank does not display using the Search option, fill in the Bank Name, City, and State, and click Manual Entry. Enter as much information as possible into the Address and FED ABA fields.

9. If applicable, click Add Intermediary Bank and repeat the process for any Intermediary and Target banks.

10. Click Save Beneficiary and on the confirmation page, click Confirm/Save Beneficiary.

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MODIFY AN EXISTING BENEFICIARY

Select the beside the beneficiary and proceed to edit the applicable fields.

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Select Save Beneficiary and on the confirmation page, click Confirm/Save Beneficiary.

Wire Templates Commerce Connections offers an option to establish and save templates for re-use in the future. This process provides a quick and easy method of originating transfers that recur at regular or irregular intervals.

These templates contain descriptive information, as well as Beneficiary and bank routing information. Templates may also be limited to a maximum dollar amount, although the specific dollar amount may be changed when the template is used.

SETTING UP A TEMPLATE

To create a new template, navigate to Payments & Transfers > Wires and then select the Templates button located on the right side of the screen.

From the Wire Transfer Templates page, select the New Template button located at the bottom of the page.

163 Wire Transfer



164 Wire Transfer


1. Select Domestic or Drawdown from Choose Wire Type.

2. Enter a descriptive name in the Template Name field.

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3. Enter another identifying name in the Template Nickname field (optional).

4. Select the Template Category. This will dictate what information can be modified each time the template is used. For Repetitive templates, only Amount and Value Date can be selected when using the template. For Semi-Repetitive templates, you may additionally modify the Reference for Beneficiary, Originator to Beneficiary Information, Bank to Bank Information, Purpose of Funds, and By Order Of Information fields.

5. Select a beneficiary from the list of Managed Beneficiaries, or enter complete the on-screen fields to add a new beneficiary.

Refer to Add a New Domestic Beneficiary or Add a New International Beneficiary for further information.

6. Select a Debit Account from the available options.

7. Set a Template Limit (optional). If no limit is set, the template may be used for any dollar amount permitted to the user for the specified Debit Account.

8. If this is a recurring transfer, select a frequency from the Repeating list (Weekly, Bi-Weekly, Semi-Monthly, Monthly, Every 4 Weeks, Bi-Monthly, Quarterly, Semi-Annually, Annually). If this transfer is to continue indefinitely, select Unlimited; or select # of Payments, and in the associated field, enter the number of recurring transfers you want to make. The schedule is based on the value date entered by the user.

9. Enter a Reference for Beneficiary (optional).

10. Enter any applicable Originator to Beneficiary Information that would apply to wires generated using the template.

11. Enter any applicable Bank to Bank Information.

12. Specify a short description of the Purpose of Funds.

13. Complete the By Order of Information fields for any applicable templates.

14. After all fields have been completed, click Save Template.

MODIFY AN EXISTING TEMPLATE

Once a template is established and approved, it may be modified. All available templates appear on the Templates page. To access this page, navigate to Payments & Transfers > Wires, and click on the Templates button.

The effective date of the first recurring wire will be used to calculate future effective dates. The only exception occurs when the effective date falls on a non-business day; in these instances, the effective date is changed to the following business day.

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Select the appropriate template and click on Edit to the right of the template.

The template is displayed containing the descriptive information. Modify any of the fields necessary.

To save the template for future use, click Save Template

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Create A Wire Transfer

CREATE A WIRE TRANSFER FROM A TEMPLATE

To create the wire transfer using a template, navigate to Payments & Transfers > Wires and click the New Wire button.

Select a template from the drop down list at the top of the page and then click Load Tempate.

Alternatively, a user with the appropriate permissions can access the Wire Transfer Templates screen, and click Load Template to the right of the desired template.

With the template loaded, a user may set the Amount for the wire transfer, set a Requested Value Date, and complete any other available fields, depending on the category of template in use.

Only Approved and properly permissioned Templates are displayed within the Template drop down list and are available for use

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When the wire transfer is ready, click Submit Wire.

On the next screen, click Cancel to cancel the Wire Transfer and to return to the main Wire Transfers screen. Click Back to go back to the previous screen to update the dollar amount or any informational fields. Or, click Confirm/Submit Wire to submit the Wire Transfer Template for payment.

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Once confirmed, an individualized reference number will be assigned to the transaction. Click Done to return to the main Wire Transfers screen.

CREATE A WIRE TRANSFER WITHOUT USING A TEMPLATE

To create a wire transfer without using a template, navigate to Payments & Transfers > Wires and click the New Wire button.

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Complete the fields on the screen:

1. Select Domestic or Drawdown from Choose Wire Type.

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2. Select a beneficiary from the list of Managed Beneficiaries, or enter complete the on-screen fields to add a new beneficiary.

Refer to Add a New Domestic Beneficiary or Add a New International Beneficiary for further information.

3. Select a Debit Account from the available options.

4. Set an Amount.

5. Choose a Requested Value Date.

6. If this is a recurring transfer, select a frequency from the Repeating list (Weekly, Bi-Weekly, Semi-Monthly, Monthly, Every 4 Weeks, Bi-Monthly, Quarterly, Semi-Annually, Annually). If this transfer is to continue indefinitely, select Unlimited; or select # of Payments, and in the associated field, enter the number of recurring transfers you want to make. The schedule is based on the value date entered by the user.

7. Enter a Reference for Beneficiary (optional).

8. Enter any applicable Originator to Beneficiary Information that would apply to wires generated using the template.

9. Enter any applicable Bank to Bank Information.

10. Specify a short description of the Purpose of Funds.

11. Complete the By Order of Information fields for any applicable templates.

12. After all fields have been completed, click Submit Wire.

13. On the next screen, click Cancel to cancel the Wire Transfer and to return to the main Wire Transfers screen. Click Back to go back to the previous screen to update the dollar amount or any informational fields. Click Save as Template to retain this Wire Transfer for future use. Or, click Confirm/Submit Wire to submit the Wire Transfer for approval and payment

WIRE TRANSFER STATUS

The Wire Transfers Page reflects the status of submitted wire transfers. Pending wire transfers may be viewed , edited or deleted . Completed wire transfers have been submitted for processing and no longer can be edited or deleted.

The effective date of the first recurring wire will be used to calculate future effective dates. The only exception occurs when the effective date falls on a non-business day; in these instances, the effective date is changed to the following business day.

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To actually view the sequence or Fed Reference number of a completed Wire Transfer, click the magnifying glass next to the item. This displays the full detail around the wire. The line labeled Host contains the internal sequence number. The line labeled Fed is the Fed reference number.

QUICK ENTRY

Quick Entry can be used to submit multiple wire templates at one time. To create a Quick Entry navigate to Payments & Transfers > Wires > Quick Entry.

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SUBMIT QUICK ENTRY

You can select whether you want to send a domestic or drawdown wire in the Choose Quick Entry Type dropdown menu.

1. Enter a Quick Entry Name. This name is for internal display purposes only. 2. Select a Requested Value Date. The date will default to the current business day. 3. From the dropdown menu Template Name you will select the template you want to

submit. 4. Enter the dollar amount of the wire in the Amount field. 5. Follow step 3 and 4 for every template you want to submit. 6. If you want to activate all templates on the current page, you can click the Select All

button at the bottom of the screen. 7. Only 10 templates can be seen on a page at one time. To activate more than 10

templates, click Next Page button at the bottom of the screen. 8. Once you have selected all the templates and entered all the amounts of the wires

you are submitting click Submit Quick Entry. 9. Click Confirm/Send Quick Entry.

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APPROVE QUICK ENTRY

To approve Quick Entry wires proceed to the Pending Approvals menu to view all transactions that require approval. See Pending Approvals section. Once these wire templates have been approved or rejected, you will be able to see them on the main wire page at Payments & Transfers > Wires.

When you submit more than one wire template at a time, you might notice that a wire will have a status that says “mixed statuses”. This can happen, for example, if a wire within a quick entry batch was accepted by the Federal Reserve before another wire in the same quick entry batch. This is basically saying that wires within the same quick entry batch are in a different status from one another.

Quick entry wires are seen in the approval screen as individual wires and not in a group.

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SUBMITTING WIRES USING FILE IMPORT FUNCTION

File Import can be used to submit multiple wires for multiple accounts at one time by pre-defining a custom map and importing a file. To use File Import navigate to Payments & Transfers > Wires > File Import button.

CREATING A CUSTOM MAP Once the File Import button is selected, User must create a custom map by clicking on Custom Mappings button. If custom map already exists, User may select the map from the Custom Mappings dropdown menu and proceed with the wire file import.

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Once Custom Mappings button is selected, User will be directed to the Custom Mapping List. There, User may edit or delete a previously pre-defined custom map. In the Custom Mapping page, User may click on Add Custom Mappings in order to add a new custom map.

1. Enter the Custom Map Name and Description. These are for internal display

purposes only. 2. Select Output Format “Wire Transfer”. 3. Within the Input Format drop down menu, select Delimited or Fixed Length file

format. If your file contains rows with fields separated by a comma or some other character, select “Delimited”. If your file contains rows and fields of preset lengths, select “Fixed Length”.

4. Click Next to proceed to the Field Mappings page. 5. Next, User will complete the Input File Definition, Record Update Options and

Field Mappings sections.

6. For a Delimited file, User must choose the Field Delimiter. Consider whether your file uses Single or Double Quotes to identify fields that might contain the delimiter.

7. Choose your Record Delimiter. If your file was created via Microsoft Office Excel or a simple text editor, this will likely be “CR/LF”. Otherwise, consult your vendor or IT resources to determine which record delimiter your file contains.

8. Enter the Number of Header Lines if your file contains any. 9. Choose your Date Format and Date Separator. 10. Indicate if your Money Format should be read “As-Is”, or if any decimal is implied. 11. Select your Update options:

a. Update existing records, add new records; b. Add all records as new records; or c. Update existing records only and ignore new records.

12. Once all Field Mappings have been identified, click Save. Please note that required fields are marked with a red asterisk.

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Field Mappings: Although not marked as required fields, one of the following must be entered: Beneficiary Bank Fed RTN or Beneficiary Bank SWIFT RTN. Condition also true for Intermediary Bank

Field Mappings: Wire Destination strongly recommended although not required. If left blank, all wires will be designated as “Domestic”.

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The following are Wire File Import field parameters (Required fields are not grayed out): Field Type

Max Length Notes

Source Account Number Required 12 Must be 12 characters, with leading zeros (e.g. 000123456789)

Source Routing Number Required 9 Must use "101000019". Recommend setting default.

Source Account Type Required 1 1 for "Checking", 2 for "Savings"

Amount Required 16 Format according to selected amount format within map definition.

Due Date Required 8 Format according to selected date format within map definition.

Wire Destination *Optional but Recommended 8

"DOMESTIC" or "DRAWDOWN" *If left blank, DOMESTIC will be assumed.

Reference For Beneficiary Comments Optional 16

Originator To Beneficiary Info Line1 Optional 35

Originator To Beneficiary Info Line2 Optional 35

Originator To Beneficiary Info Line3 Optional 35 Originator To Beneficiary Info - Purpose of Funds Required 35

Bank To Bank Info Line1 Optional 35






By Order Of Name Optional 35

By Order Of Address Line1 Optional 35

By Order Of Address Line2 Optional 35

By Order Of City Optional 17

By Order Of State Optional 2

By Order Of Postal Code Optional 9

By Order Of Country Optional 3

By Order Of Account Number Optional 35

Beneficiary Name Required 35

Beneficiary Account Number Required 34

Beneficiary Account Type Required 8 "Checking" or "Savings"

Beneficiary Nick Name Optional 64

Beneficiary Contact Name Optional 64

Beneficiary Street Address Line1 Required 35

Beneficiary Street Address Line2 Optional 35

Beneficiary City Required 17

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Beneficiary State Optional 2

Beneficiary Postal Code Required 9

Beneficiary Country Required 35

Beneficiary Bank Route Optional 9

Beneficiary Bank Name Required 35

Beneficiary Bank Fed RTN *Required 9 *Required if Beneficiary Bank SWIFT RTN is left blank

Beneficiary Bank SWIFT RTN *Required 11 *Required if Beneficiary Bank Fed RTN is left blank

Beneficiary Bank Street Address Line1 Optional 35



Beneficiary Bank City Optional 17

Beneficiary Bank State Optional 2

Beneficiary Bank Postal Code Optional 9

Beneficiary Bank Country Required 35 Use country name (e.g. United States)

Beneficiary Intermediary Bank Name Optional 35

Beneficiary Intermediary Bank Fed RTN *Optional 9

*Required if Intermediary Bank is needed and Beneficiary Intermediary Bank SWIFT RTN is left blank.

Beneficiary Intermediary Bank SWIFT RTN *Optional 11

*Required if Intermediary Bank is needed and Beneficiary Intermediary Bank Fed RTN is left blank.

Beneficiary Intermediary Bank Street Address Line1 Optional 35 Beneficiary Intermediary Bank Street Address Line2 Optional 35 Beneficiary Intermediary Bank Street Address Line3 Optional 35

Beneficiary Intermediary Bank City Optional 17

Beneficiary Intermediary Bank State Optional 2 Beneficiary Intermediary Bank Postal Code Optional 9

Beneficiary Intermediary Bank Country Optional 35

Beneficiary Intermediary Bank1 Name Optional 35

Beneficiary Intermediary Bank1 Fed RTN *Optional 9

*Required if Intermediary Bank1 (Target Bank) is needed and Beneficiary Intermediary Bank1 SWIFT RTN is left blank.

Beneficiary Intermediary Bank1 SWIFT RTN *Optional 11

*Required if Intermediary Bank1 (Target Bank) is needed and Beneficiary Intermediary Bank1 Fed RTN is left blank.

Beneficiary Intermediary Bank1 Street Address Line1 Optional 35 Beneficiary Intermediary Bank1 Street Address Line2 Optional 35 Beneficiary Intermediary Bank1 Street Address Line3 Optional 35

Beneficiary Intermediary Bank1 City Optional 17

Beneficiary Intermediary Bank1 State Optional 2

Beneficiary Intermediary Bank1 Postal Optional 9

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Code

Beneficiary Intermediary Bank1 Country Optional 35

Addenda Type Optional Do Not Use

Addenda Optional Do Not Use

Once custom map has been completed, User will navigate back to File Import and select the Custom Mapping from the drop down menu.

1. Click Import. 1. A pop up window will appear with the option to browse for the file to upload. Locate

file path. 2. Click Upload. User will be presented with error messages if upload failed.

Wire Transfers – Foreign Beneficiary To create a wire destined for a foreign beneficiary navigate to Payments & Transfers > Wires > New Wire. From here you can load a previously saved template or select a previously created beneficiary, or you can enter in the fields manually.

1. Enter the Account Number for the Beneficiary.

2. Enter the Beneficiary Name field.

3. Enter the Address 1 field, City, State, Zip Code and Country. Note: Country will default to USA.

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4. For Beneficiary Bank Info you will enter the Fed ABA (routing number) or the SWIFT code for the bank. If using a SWIFT code also use the drop down to select the appropriate country. Click SEARCH.

This will bring up another window showing the bank that matches the routing number you entered. Select the bank name.

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The bank information will then populate into the beneficiary bank info fields.

To add Intermediary Bank(s) click ADD INTERMEDIARY BANK and follow the steps outlined above.

Once that has been entered, enter the Swift number into the Swift field and click the Search button, be sure to change the country before clicking the Search button. See example below:

When searching for a foreign bank, name criteria or SWIFT number can be used. The country of the foreign bank must be entered before clicking Search.

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This will populate the beneficiary bank information into the fields automatically.

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5. Select Debit Account from the drop-down.

6. Enter the Amount of the wire.

7. Enter the Requested Value Date.

8. Choose whether this will be a repeating or non-repeating wire.

9. Enter Purpose of Funds.

If you have additional information to send to the beneficiary or to the receiving bank(s), you may choose to use the additional fields at the bottom. These fields are for Originator to Beneficiary Information, Bank to Bank information, By Order of Information, Addenda Information and a Reference for Beneficiary field. These fields are optional.

Once all required fields have been completed click Submit Wire.

Click Save as Template to retain Wire Template for future use.

Click Confirm/Submit Wire to process wire payment.

If you have any questions regarding the processing of your wire transfer payments, please contact Commercial Customer Support. They are available Monday through Friday from 7:00 a.m. – 7:00 p.m. CT, excluding bank holidays. They can be reached at (800) 207-0886

Tax Payments In order to send a wire transfer for a federal tax payment navigate to Payments & Transfers > Wires

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See instructions below for sending a general federal tax payment. Note: Instructions and/or routing may vary depending upon the type of tax payment being sent. It is important to verify the instructions given to you by the Taxing Authority.


Beneficiary Info

1. The Account Number should be your tax id without the hyphen.

2. For Beneficiary Name the format should be :first four letters of company name:company name. Following company name, enter tax type, year and quarter (month of quarter) for tax payment in the following format :94105:15:06

3. In the Address, City and Zip Code fields enter your company address information.

4. The next step will be to enter the Beneficiary Bank Info for the U.S. Treasury, where the federal tax payment needs to be routed. To do so, enter the FED ABA routing number given on the tax payment instructions.

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Debit Information

5. Select Debit Account from the drop down menu under the Debit Information section.

6. Enter the Amount of the tax payment.

7. The Requested Value Date will default to the current processing date.

8. Enter the Purpose of Funds in this field.

9. If there is no additional information you wish to include with the tax payment, click SUBMIT WIRE.

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10. Click Confirm/Submit Wire. You may also save this wire as a template for future use by clicking Save as Template.

Approving Wire Transfer Payments for Processing Users within the application must have appropriate permission to create, modify or approve wire transfers. Additionally, approval steps are determined and configured in the Approval Workflow for a particular transaction type.

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Pending Approvals Users with permission to approve transactions will be alerted of pending approval transactions on the Home page after logging in or they can proceed to the Pending Approvals menu to view all transactions requiring approval. Please see the Pending Approvals section.

Reports

A variety of reports are available to assist Company to view and manage Wire Transfer payments. These reports are available by navigating to Reporting > Wires.

Wire Transfer reports available are:

• Wire by Status

• Wire by Template

For sample Wire Transfer Reports, please refer to the Reports sections.

Wire Transfer Field Descriptions The following is a list of the fields used to setup a Wire Template:

Template Name* - The name you will use to recognize your template for future use. This field can be used to filter the template listing on the Wire Transfer Templates screen.

Template Category* – Designates whether you would like the template to be semi-repetitive or repetitive. All templates will default to semi-repetitive. The only information available for editing on a repetitive template will be the dollar amount.

Template Nickname – Can be used to distinguish between the new template and existing templates.

Template Scope* – Will always be Business.

(Beneficiary field descriptions are below)

Intermediary Bank – Used if the wire instructions will go through more than one bank before they are deposited at the Beneficiary Bank

Correspondent Bank Account Number – This field becomes available once an intermediary bank has been inserted. This field will be used when the beneficiary bank

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has an account number with the Intermediary Bank rather than a Routing or Swift number available.

Account Filter – Used to filter the account numbers you have available under debit accounts. You can search using any string of numbers within the entire account number.

Debit Account* – Designate which account will be debited for the amount of the wire transfer

Template Limit – Used to set an overall limit for the template itself and cannot be exceeded unless the template limit is raised.

Reference for Beneficiary – Very short, optional field that can be used to pass any piece of information you would like.

Repeating – Designates whether this will be a recurring template. If none is selected it will not be recurring. You may choose weekly, bi-weekly, semi-monthly, monthly, every 4 weeks, bi-monthly, quarterly, semi-annually or annually. You will also choose whether you wish this recurring template to have a limited number of payments and to select the number or if it is to be unlimited.

Originator to Beneficiary Information – These fields are used to send any additional information between you and the beneficiary, for example if you need to send invoice numbers or tax payment information, etc.

Bank to Bank Information – These fields are used to send any additional information between the originating bank and the beneficiary bank, such as further instructions on how to process the wire transfer.

Purpose of Funds* – Designates the purpose for the wire transfer.

By Order of Information – These fields are to be used if you ever have a need to send a wire transfer on behalf of one of your customers and the fields should be filled out with your customer’s information.

The following is a list of fields used to setup a Wire Beneficiary:

Account Number* – List the account number receiving the wire transfer

Beneficiary Name* – List the name of the individual/entity receiving the wire transfer

Nickname – Can be used to distinguish the new beneficiary from existing beneficiary

Address 1* – Address of individual/entity receiving the wire transfer

Address 2 – Address cont’d of individual/entity receiving the wire transfer

City* – City of individual/entity receiving the wire transfer

State/Province – State or Province of individual/entity receiving the wire transfer

Zip/Postal Code* – Zip code of individual/entity receiving the wire transfer

Country* – Destination country of individual/entity receiving the wire transfer

Contact Person – Someone at the company to contact regarding the wire. This field does not travel with the wire.

Beneficiary Type* – Designates whether the beneficiary can be used for regular (domestic) wires or drawdown wires.

Beneficiary Scope* – Will always be Business

Bank Name* – Name of bank where wire transfer funds will be deposited

Address 1– Address of bank where wire transfer funds will be deposited

Address2 – Address cont’d of bank where wire transfer funds will be deposited

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City – City of bank where wire transfer funds will be deposited

State/Province – State of bank where wire transfer funds will be deposited

Zip/Postal Code – Zip or Postal Code of bank where wire transfer funds will be deposited

Country* – Country of bank where wire transfer funds will be deposited

Fed ABA – Routing number of bank where wire transfer funds will be deposited – If there is no SWIFT a routing number is required

SWIFT – SWIFT number of international bank where wire transfer funds will be deposited – If there is no routing number a SWIFT is required

Intermediary Bank – Used if the wire instructions will go through more than one bank before they are deposited at the Beneficiary Bank

Correspondent Bank Account Number – Becomes available once an intermediary bank has been inserted. This field will be used when the beneficiary bank has an account number with the Intermediary Bank rather than a Routing or Swift number available.

Beneficiary Comment – Customer can add any additional comments regarding the Beneficiary – information will not be sent with the wire transfer.

*Indicates required fields

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CASH CONCENTRATION

Overview Commerce Connections’ Cash Concentration provides customers with a convenient method to collect funds from their outlying stores and offices.

The Cash Concentration module consists of a hierarchy which consists of Divisions and Locations.

To access Cash Concentration services, navigate to Payments and Transfers > CASH CONCENTRATION.

Cash Concentration requires Enhanced Security throughout specific actions. For additional Enhanced Security information please refer to the Commerce Connections Service Manual.

CASH CONCENTRATION PERMISSIONS

To access Commerce Connections Cash Concentration services, each user must be assigned the appropriate permissions; as well as access to the appropriate locations. Please see Assign User Permissions in System Administration for information on assigning these permissions.

Create Divisions To add a Division select the Add Division button located on the main Divisions screen.

This page allows you to enter a Division. Division must have at least 2 Administrators. These may be the same administrators as the Company or can be entirely different. Division must be submitted for approval.

2 Administrators must be assigned in order to successfully add a Division.

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1. Enter your Division Name.

2. If only one Administrator is displayed, click on the Edit icon to add an additional Administrator. Highlight Administrator name from User List.

3. Click Add and then Save.

Division name is used to describe Company’s division. (Example: West Coast Division, Executive



4. Click Add.

5. User will then see a message stating Division has been added however, must be submitted for approval.

6. Click Done.

Users will be redirected to the Manage Divisions page. Divisions are now available to edit, submit for approval or discard.

1. Click on the Submit for Approval icon. Approver may also select the icon to disregard the modifications.



1. Click Confirm within the Verify Submit Division for Approval page.

Next, a second System Administrator will need to Approve Divisions. Administrator will navigate to Admin > DIVISIONS.

1. Click on the Approval icon. Users may reject changes by selecting the icon.

User will be redirected to the Confirm Approve Division page.

2. Click Approve.

3. Click on the Done.



Create Locations Once Divisions have been established, user must add Locations to each Division. To add Locations to a division, user must navigate to Admin > DIVISIONS. User will be presented with all available Divisions.

1. Click on the Edit icon.

2. User will be redirected to the Edit Division page.

3. Click on the Add Location.

Divisions must be created prior to establishing locations.



Within the Local Bank Information section:

4. Input Location Name. Location Name is used to describe Company’s location. For example, West Cost Main Location, Executive Location, etc).

5. Input Location ID. Location ID is a unique number used to identify this location.

6. Enter the Bank Routing Number. This is the ABA (Routing Transit Number) of the bank for the account to be debited.

7. Enter the Account Number to debit for the concentration amount.

Within the Remote Bank Information:

8. Select the Cash Con Company from the drop down menu.

9. Select the Concentration Account from the drop down menu.

Within the Deposit-Specific Information (optional criteria):

10. Input desired Deposit Minimum amount. This is the minimum amount the location can enter for deposits.

11. Input desired Deposit Maximum amount. This is the maximum amount the location can enter for deposits.

12. Input desired Anticipatory Deposit amount. This amount is used to create an ACH debit if the location does not report an amount.

13. Input desired Threshold Deposit Amount. Total deposit amounts must be equal to or greater than this amount before the system creates a transaction to concentrate funds from this location.

14. User may also elect to Consolidate Deposits. If box is checked, multiple amounts for the location are summed and only debit is sent to the debit account. If left blank, each amount is sent as a separate debit to the debit account.



15. Click Add in order to submit new location for approval.

16. Click Done.

Next, System Administrator will need to Submit Locations for approval. Administrator will navigate to Admin > DIVISIONS.

1. Click on the Submit for Approval icon. Administrator may also select the icon to disregard the modifications.

2. Click Confirm within the Verify Submit Division for Approval page.



A second Administrator will then be able to complete Approval process by navigating to Admin > DIVISIONS.

3. Click on the Approval icon. Users may reject changes by selecting the icon.



User is redirected to the Pending Approval Summary.

1. Click on the Approve.

2. Click on the Done.



Cash Concentration Entry Once Divisions and Locations have been established, user may enter, update, or delete Cash Concentration amounts. User may navigate to Payments and Transfers > CASH CONCENTRATION.

CASH CONCENTRATION PAGE

This page displays a high-level summary of Cash Concentration activity (Submitted for Approval or Rejected, Pending, and Completed). Various criteria allow each user to sort the information based upon their preference or needs.

This screen is also used to input new Cash Concentration deposits.

NEW DEPOSIT ENTRY

New Deposit Entry may be successfully completed for Divisions in which Locations have been pre-established.

User may click on the New Deposit button in order to begin the process of entering a cash concentration deposit. If a Location is present within the selected Division, User will be able to input the Deposit Amount. If a Location is not present, the Deposit Amount will not be available for input.



1. Select Division from drop down menu. (FYI – if the user only has one division

assigned to them it will look like the Location does on this screen.)

2. You’ll need to decide how to word this but if the user has multiple locations assigned to them they will have to select the appropriate location from a location drop-down list.

3. Input the Deposit Amount.

4. Click on Next.

User will then be redirected to the Confirm Add Deposit Entry page.

5. Click on Send Deposit Entry.

6. Click on Done.



Cash Concentration Deposit Entry will now be presented within the Pending Transaction Summary island. Users may view, edit or delete the pending deposit entry by selecting one of the following icons: .

After cutoff, Company’s Cash Concentration deposit entries will move from the Pending Transaction Summary island to the Completed Transactions Summary island. (Note: A Prenote may be initiated when adding a Location to a Division. If Prenote was selected at that time, User will see the Prenote transaction only within the Completed Transaction Summary island).



Cash Concentration Reports The following reports are available by navigating to Reporting > Cash Concentration.

Cash Concentration reports available are:

Cash Concentration Activity

Inactive Divisions and Locations



PENDING APPROVALS

Overview The Pending Approvals tab is in the top navigation row. This tab is visible to Users, based upon their specific permissions. The Pending Approvals tab contains the requests for Account Transfers, ACH Transactions and Wire Transfers; as well as any beneficiary approvals needed. User administration approvals are submitted from the Admin tab.

Users with permission to approve transactions will be alerted of pending approval transactions on the Home page after logging in or they can proceed to the Pending Approvals menu to view all transactions requiring approval.

Admin changes are approved through the Admin tab. Please see Approving User Administration.

The Pending Approvals screen contains two islands. The top island contains template changes (if they require approval) as well as actual transactions. It is a mixture of transaction types. The lower island contains participant and beneficiary changes.

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New Transactions

ACCOUNT TRANSFERS

The columns represented include the submission date, under the Activity Type column, it indicates whether the transaction requiring approval is a Transfer, or other type of transaction; such as Wire Transfer from Template or a Tax Payment Template. The page will also display the reason for approval (Deletion or Processing), who submitted the transaction, the amount of the transaction, and the currency. Click the magnifying glass to view the details of the transaction.




Select the appropriate drop down action from the Approvals Action field. A Reason can be populated as well.



ACH TRANSACTIONS

The columns represented include the submission date, under the Activity Type column, whether the transaction requiring approval is an ACH Batch from Template, an ACH Batch Template, a Tax Payment, a Tax Payment Template, a Child Support Payment, or a Child Support Payment Template. The page will also display the reason for approval (Deletion or Processing), who submitted the transaction, the amount of the transaction, and the currency. Click the magnifying glass to view the details of the transaction.

The Approvals Action dropdown menu above the pending transactions can be used to apply an action to all of the pending transactions. The menu options are Hold, Approved/Release or Rejected. Select the appropriate option and click Apply to All to apply the decision to all pending transactions.

Each individual transaction can be decisioned separately by using the Approvals Action dropdown menu for each separate transaction. The menu options are Hold, Approved, or Rejected. Select the appropriate option from the dropdown menu for each transaction.

After all decisions have been made click Submit.

Click Confirm to submit the transactions for processing.

WIRE TRANSFERS

See specifics above for Account Transfers and ACH transactions. The only difference will be that the Activity Type column will be populated with various Wire activities.




Payee

ACH PARTICIPANTS OR WIRE BENEFICIARIES

The bottom island shows participants and/or beneficiaries that need to be approved. They are approved in the same manner as mentioned above. The appropriate action is selected from the Approvals Action drop down options, as well as a Reason can be entered if needed.

When viewing the details of a new or modified Wire Beneficiary or ACH Participant, the “old values” and the “new values” will be displayed. Click Done to return to the Pending Approvals page.



Click Confirm to submit the transactions for processing.

Admin Changes Please see Approving User Administration section.



REPORTS

Overview The Reporting tab in the top navigation row is divided into a series of submenus related to different products and activities. These submenus are displayed in a second level navigation row, directly below the Reporting tab. Both the Reporting tab and its submenus are visible to Users, based upon their specific permissions.

Navigating Reports Each system report provides a variety of fields allowing Users to customize the information they would like to see, as well as the type of output they would like to receive. Additional filtering options are available with Customized Reports (available on selected reports).

GENERATING REPORTS

To generate and display a Standard report, click on the Report Title.

Complete the report criteria fields, then click Generate Report. When completing the criteria fields, you may select dates using the Calendar feature. Click on the icon to the right of the date field and a calendar displays.

211 Reports


Click the date for the report, then click Insert and the selected date is populated in the date fields on the criteria screen.

If you require additional reporting options, select Custom Reporting (where available) from the Standard Report criteria page. Custom Reports provide additional data fields and sort options for certain reports.

212 Reports


When transactions are truncated, the following message is displayed at the top of the report.

We further recommend displaying and printing these reports in PDF format (where the format option is available), to assure all entries meeting the selected criteria are displayed.

SETTING REPORT HEADER AND FOOTER

1. Click the Set Report Header/Footer button to open the Set Header/Footer window.

2. In the Show Header Information section, select or clear header information options. You can also enter a different report title in the field provided.

3. In the Show Footer Information section, select or clear the Extra Footer Line. If necessary, enter a different footer line in the field provided.

4. Click Save to commit your settings and close the Set Header/Footer window.

When generating an HTML report, the system truncates the report at the

number of entries specified on the

Preferences page of the User Profile. It

is recommended that each user set this value at 500.

213 Reports


214 Reports


EXPORT REPORTS

To export a report:

1. In the Export Report section located above the report, select the export format from the Delivery Method list.

2. Click Export. You may save the report to a location on your computer or open the report in the export format you choose.

SAVE REPORTS

You may also Save a Standard or Custom report and assign it a name and description. This allows quick and easy generation of frequently used reports. Saved reports appear on the main Reporting pages.

To edit a Saved Report, click next to the Saved Report.

To delete a Saved Report, click next to the Saved Report.

215 Reports

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Audit Reports Audit Reports available are:

System Activity Report

Payment Template History

User Permissions Report/User Entitlement Report

Transaction History Report

Session Activity Report

Pending Changes

216 Reports


SYSTEM ACTIVITY REPORT

Report Name: System Activity Report

Description:

Lists all system activity for the selected parameters. If requesting User is an Admin, all activity for all Users displays. If User is not an Admin, only that User’s information displays.

Data Retention: 90 days

Update Frequency: Every minute

Criteria Selection Screen (standard):

217 Reports


CRITERIA SELECTION SCREEN (CUSTOM):

Sample Report (standard):

218 Reports


PAYMENT TEMPLATE HISTORY

Report Name: Payment Template History

Description: Lists all changes to a payment template. May be viewed by both Admin and non-Admin Users.



Criteria Selection Screen:

Sample Report:

219 Reports


USER PERMISSIONS REPORT/USER ENTITLEMENT REPORT

Report Name: User Permissions Report/User Entitlement Report

Description: Lists all system Users and their associated permissions.




Sample Report:

220 Reports


TRANSACTION HISTORY REPORT

Report Name: Transaction History Report

Description:

Displays changes to a transaction—for example, if a wire is deleted before it is approved or if the account where the payment is made from changes—plus the User who made the change and the date/time the change took place.




Sample Report:

221 Reports


SESSION ACTIVITY REPORT

Report Name: Session Activity Report

Description:

Lists all system activity at the end of a User’s session Report automatically displays on screen upon logout if User Preference is set to “Yes”.

Data Retention: Current session



If this report is automatically

generated at log-out, the system has not fully logged the

user out of the system. The Log

Out button must be clicked in order to

222 Reports


Sample Report:

223 Reports


PENDING CHANGES

Report Name: Pending Changes

Description: Shows any administrative changes submitted for approval, but not yet approved.


Update Frequency: Real-time


Sample Report:

224 Reports


Information Reporting Reports Information Reporting reports available are:

Balance Summary

Balance Summary and Detail

Transaction Detail

225 Reports


BALANCE SUMMARY REPORT

Report Name: Balance Summary Report

Description:

Balance summary reports display all status and summary information available for selected account(s). Report is available for both previous day and current day reporting; current day includes interim balance information.


Update Frequency: Throughout the business day


226 Reports


Sample Report:

227 Reports


BALANCE SUMMARY AND DETAIL REPORT

Report Name: Balance Summary and Detail Report

Description:

For selected account(s), provides summary information, as well as individual transaction detail for the selected date range.




228 Reports


Sample Report:

229 Reports


TRANSACTION DETAIL REPORT

Report Name: Transaction Detail Report

Description: For selected account(s), provides individual transaction detail for the selected date range.




230 Reports


Sample Report:

231 Reports


Statements Reports Statement reports available are:

Account Analysis Combined Accts Report

Account Analysis Single Accts Report

Investment – Goldman Report

Statements Report

232 Reports


ACCOUNT ANALYSIS COMBINED ACCTS REPORT

Report Name: Account Analysis Combined Accts Report

Description: Lists service fees for period (multiple accounts)

Data Retention: Minimum 90 days

Update Frequency: Monthly


233 Reports


Sample Report:

234 Reports


ACCOUNT ANALYSIS SINGLE ACCTS REPORT

Report Name: Account Analysis Single Accts Report

Description: Lists service fees for period (single account)


Update Frequency: Monthly


235 Reports


Sample Report:

236 Reports


INVESTMENT – GOLDMAN REPORT

Report Name: Investment – Goldman Report

Description: Lists all investment activity for period


Update Frequency: Daily


237 Reports


Sample Report:

238 Reports


STATEMENTS

Report Name: Statements Report

Description: Official statement of activity for period

Data Retention: 7 years

Update Frequency: Varies by statement period (daily, weekly, monthly)


239 Reports


Sample Report:

240 Reports


241 Reports


242 Reports


Account Transfer Reports

Account Transfer reports available are:

Transfer Report

243 Reports


TRANSFER REPORT

Report Name: Transfer Report

Description:

A Transfer report displays transfers that occurred over a specific period of time, for example, over the last week or month. The report displays when the transfers were processed, the amount of funds being transferred, which accounts were involved in the transfer, the memo if it was populated and payment type if the transfer was for a loan payment. If the transfer is associated with a loan advance, payment type will reflect Advance. This report also includes transfers that were not processed (Failed, Pending Approval, Cancelled, etc.)..



Criteria Selection Screen (standard):

244 Reports


Criteria Selection Screen (custom):

Sample Report (standard):

245 Reports


ACH Reports Note: For additional information about ACH and selected reports, please see the ACH Service Manual.

ACH reports available are:

ACH Payments Report

Tax Payments Report

Child Support Payments Report

ACH File Upload Report

Consolidated Report

Received Items Detail Report

Returns Report

Returns AM Report

Returns PM Report

Translated Addenda Report

Translated Addenda - AM Report

Translated Addenda - PM Report

Untranslated Addenda Report

Untranslated Addenda - AM Report

Untranslated Addenda - PM Report

246 Reports


ACH PAYMENTS REPORT

Report Name: ACH Payments Report (for entries originated via Commerce Connections only)

Description:

Displays batch information such as the batch name and tracking ID and also entry information such as the participant name and account number over a specific period of time. Note: Date range refers to Effective Date.




247 Reports


Sample Report:

248 Reports


TAX PAYMENTS REPORT

Report Name: Tax Payments Report (for entries originated via Commerce Connections only)

Description:

Displays Tax batch information such as the participant name and account number over a specific period of time. Note: Date range refers to Effective Date.




Sample Report:

249 Reports


CHILD SUPPORT PAYMENTS

Report Name: Child Support Payments Report (for entries originated via Commerce Connections only)

Description:

Displays Child Support batch information such as the participant name and account number over a specific period of time. Note: Date range refers to Effective Date.




Sample Report:

250 Reports


ACH FILE UPLOAD REPORT

Report Name: ACH File Upload Report

Description: Displays the uploaded files submitted by an ACH Company.




Sample Report:

251 Reports


CONSOLIDATED REPORT

Report Name: Consolidated Report (regardless of origination method)

Description:

Displays ACH files originated by an ACH Company, Notification of Changes, ACH Returns, Reversals and Deletions and Settlement Entries. Note: Date range refers to Effective Date.

Data Retention: Minimum 90 days Update Frequency:

Daily


252 Reports


Sample Report:

253 Reports


RECEIVED ITEMS DETAIL REPORT

Report Name: Received Items Detail Report

Description:

Displays all received ACH Entry information, including but not limited to amount, Customer Name, Company Name, and Entry Description.




Sample Report:

254 Reports


RETURNS REPORT

Report Name: Returns Report

Description:

Contains all ACH Return detail including Notification of Changes for Entries originated by an ACH Company. Contains entire current business date.




255 Reports


Sample Report:

256 Reports


RETURNS AM REPORT

Report Name: Returns AM Report

Description:

Contains ACH Return and Notification of Change detail received same day from the Federal Reserve in the AM.




257 Reports


Sample Report:

258 Reports


RETURNS PM REPORT

Report Name: Returns PM Report

Description:

Contains ACH Return and Notification of Change detail received same day, by the Bank in the PM. Returns PM reports are not included in the Returns AM reports.




259 Reports


Sample Report:

260 Reports


TRANSLATED ADDENDA REPORT

Report Name: Translated Addenda Report

Description:

Contains ACH Entries with Addenda records which have been translated into a reader-friendly format. Translated Addenda reports contain entire current business date.




261 Reports


Sample Report:

262 Reports


TRANSLATED ADDENDA AM REPORT

Report Name: Translated Addenda AM Report

Description:

Contain ACH Entries with Addenda records received the same day from the Federal Reserve in the AM which have been translated into a reader-friendly format.




263 Reports


Sample Report:

264 Reports


TRANSLATED ADDENDA PM REPORT

Report Name: Translated Addenda PM Report

Description:

Contains ACH Entries with Addenda records which have been translated into a reader-friendly format. Translated Addenda PM reports are not included in the Translated Addenda AM reports.




265 Reports


Sample Report:

266 Reports


UNTRANSLATED ADDENDA REPORT

Report Name: Untranslated Addenda Report

Description:

Contains ACH Entries with Addenda records which have not been translated into a reader-friendly format. Untranslated Addenda reports contain entire current business date.




267 Reports


Sample Report:

268 Reports


UNTRANSLATED ADDENDA - AM REPORT

Report Name: Untranslated Addenda - AM Report

Description:

Contains ACH Entries with Addenda records received same day from the Federal Reserve in the AM which have not been translated into a reader-friendly format.




269 Reports


Sample Report:

270 Reports


UNTRANSLATED ADDENDA - PM REPORT

Report Name: Untranslated Addenda - PM Report

Description:

Contains ACH Entries with Addenda records which have not been translated into a reader-friendly format. Untranslated Addenda PM reports are not included in the Untranslated Addenda AM reports.




271 Reports


Sample Report:

272 Reports


Positive Pay Reports

DECISION SUMMARY REPORT

Report Name: Decision Summary Report

Description:

Displays Positive Pay Decisions made within the Positive Pay module. Information displayed includes Check Number, Check Amount, Exception Type, Decision, Return Reason (if applicable) and User name that submitted decision(s).




Sample Report:

273 Reports


POSITIVE PAY ACTIVITY REPORT

Report Name: Positive Pay Activity Report

Description: Lists Positive Pay system activity for the selected parameters.




Sample Report:

MANUAL ISSUES AND VOIDS SUMMARY

274 Reports


Report Name: Manual Issues and Voids Summary

Description:

Information displayed consists of all Manual Issues and Voids as well as Issue File information that has been uploaded via the Issue File Upload module.




Sample Report:

275 Reports


Check Return Report

CHECK RETURN SUMMARY

Report Name: Check Return Summary Report

Description:

Displays Check Return dispositions made within the Check Return module. Information displayed includes Check Number, Check Amount, Return Reason (if applicable), Decision and User name that submitted decision(s).




Sample Report:

Jdoe Jdoe Jdoe Jdoe Jdoe

jdoe

276 Reports


Wire Transfer Reports

WIRE BY STATUS REPORT

Report Name: Wire by Status Report (for entries originated via Commerce Connections only)

Description:

Displays wire information such as the dollar amount of the wire and last four digits of the debit account number and also entry information such as the beneficiary name and account number as well as the status of the wire. Note: Date range refers to Effective Date.




Sample Report:

277 Reports


WIRE BY TEMPLATE REPORT

Report Name: Wire by Template Report (for entries originated via Commerce Connections only)

Description:

Displays wire template information such as the template name and the dollar amount of the template and also entry information such as the beneficiary name and account number. Note: Date range refers to Effective Date.




278 Reports


Sample Report:

279 Reports


Cash Concentration Reports

CASH CONCENTRATION ACTIVITY REPORT

Report Name: Cash Concentration Activity Report

Description: Displays Cash Concentration Deposit Entry by Division.




Sample Report:

280 Reports


INACTIVE OR NON-REPORTING DIVISIONS AND LOCATIONS REPORT

Report Name: Inactive or Non-Reporting Divisions and Locations Report

Description:

Displays Division/Location name along with the number of days with inactivity. Within the search criteria, User may key in the number of days they wish to retrieve results for.




Sample Report:

281 Reports

INDEX Account Reconciliation Reports ..................... 152 Account Transfer Process

Approving Transfers ..................................... 61 Initiating a Loan Advance ............................. 65 Initiating a Loan Payment ............................ 63 Initiating an Account Transfer ...................... 58 Multiple Transfers......................................... 60 Templates .................................................... 60

Account Transfer Report Reports ......................................................... 67 Transfer Report .......................................... 244

Account Transfers Account Transfer Page ................................ 57 Loan Advances ............................................ 64 Loan Payments ............................................ 63 Permissions, Limits, and Approvals ............. 55 Timing and Deadlines .................................. 55

ACH Batch Creation ACH Batch Status ........................................ 91 Create a Batch From a Template ................. 82 Create a Batch Without Using a Template .. 84 Custom Mappings ........................................ 89 Import Entries ............................................... 85

ACH Batch Reversals ...................................... 94 ACH Batch Templates

Adding Entries to an Existing Template ....... 78 Setting Up a Template ................................. 76

ACH Child Support Payments Create a Child Support Payment Template 118 Create a Child Support Payments Batch ... 113

ACH Participants Add a New Domestic Participant ................. 71 Add a New International Participant ............ 72 Create Participants ...................................... 75 Secure ACH Participants ............................. 73

ACH Reports ACH File Upload Report ............................ 251 ACH Payments Report ............................... 247 ACH Reports available ............................... 132 Child Support Payments ............................ 250 Consolidated Report .................................. 252 Received Items Detail Report .................... 254 Returns AM Report .................................... 257 Returns PM Report .................................... 259 Returns Report ........................................... 255 Tax Payments Report ................................ 249 Translated addenda AM Report ................. 263 Translated Addenda PM Report ................ 265 Translated Addenda Report ....................... 261 Untranslated Addenda - AM Report ........... 269 Untranslated Addenda - PM Report ........... 271 Untranslated Addenda Report ................... 267

ACH Reversal Form for Direct Send/ACH Upload ACH Reversal Options ................................. 99

Overview ...................................................... 99 ACH Tax Payments

Create a Tax Payment Batch .................... 104 Create a Tax Payment Template ............... 109 Manage Tax Types .................................... 102

Approval Processes Approval Groups .......................................... 36 Approval Workflows ..................................... 37 Establishing Approval Workflows ................ 38 Permissioning Approval Workflows ............. 37

Audit Reports Audit Reports available ................................ 44 Payment Template History ........................ 219 Session Activity Report .............................. 222 System Activity Report ............................... 217 Transaction History Report ........................ 221 User Permissions Report/User Entitlement

Report .................................................... 220 Automated Clearing House (ACH)

ACH Field Descriptions .............................. 135 ACH Payments Page ................................... 69 ACH Permissions and Limits ....................... 68 Cut-Off Times .............................................. 68 Same Day ACH ......................................... 124

Cash Concentration Cash Concentration Permissions .............. 192 Create Divisions ......................................... 192 Create Locations ........................................ 196

Cash Concentration Entry Cash Concentration Page.......................... 201 New Deposit Entry ..................................... 201

Cash Concentration Reports Cash Concentration Activity Report ........... 280 Cash Concentration reports available ....... 204 Inactive or Non-Reporting Divisions and

Locations Report .................................... 281 Check Return

Check Return Disposition .......................... 154 Search Criteria ........................................... 153

Check Return Reports Check Return Reports available ................ 155 Check Return Summary ............................ 276

Company Profile Account Configuration ................................. 13 Administrators .............................................. 11 BAI Export Settings ...................................... 14 Company Information ............................ 10, 11 Company Permissions ................................. 16 Transaction Groups ..................................... 14

Information Reporting Permissions, Limits, and Approvals ............. 45 Procedures .................................................. 46 Timing and Deadlines .................................. 45

Information Reporting Reports Balance Summary and Detail Report ........ 228

2 Index

Balance Summary Report .......................... 226 Information Reporting reports available ....... 48 Transaction Detail Report .......................... 230

Pending Approvals Account Transfers ...................................... 206 ACH Participants or Wire Beneficiaries ..... 209 ACH Transactions ...................................... 208 User Administration ...................................... 42 Wire Transfers ............................................ 208

Positive Pay Custom Mapping ........................................ 145 Cut-Off Times ............................................. 137 Positive Pay Page ...................................... 137 Postiive Pay Permissions ........................... 137

Positive Pay Check Record Format Appendix A ................................................. 150

Positive Pay Exceptions Positive Pay Exception Summary .............. 139

Positive Pay Manual Issues/Voids Create Manual Issues/Voids ...................... 140 Issue File Upload ....................................... 143

Positive Pay Reports Manual Issues and Voids Summary .......... 274 Positive Pay Activity Report ....................... 274 Positive Pay Reports available .................. 151

PositivePay Reports Decision Summary Report ......................... 273

Report Navigation Export Reports ........................................... 215 Generating Reports .................................... 211 Save Reports ............................................. 215 Setting Report Header and Footer ............. 213

Same Day ACH ACH File Upload ........................................ 127 Approving Same Day ACH Transactions ... 127 Originating Payments ................................. 124 Overview .................................................... 124

Statement Reports Account Analysis Single Accts Report ....... 235 Investment – Goldman Report ................... 237 Statements ................................................. 239

Statements Reports Account Analysis Combined Accts Report 233

Stop Payment Procedures Deleting a Stop Payment ............................. 52 Entering a Stop Payment ............................. 52 Stop Inquiry .................................................. 51

Stop Payment Reports Reporting ...................................................... 53

Stop Payments

Permissions, Limits, and Approvals ............. 50 Procedures .................................................. 51 Timing and Deadlines .................................. 50

Upload ACH File .............................................. 92 Overview ...................................................... 92 Uploading an ACH File ................................ 93

User Administration Add a New User ........................................... 17 Delete an Existing User ............................... 18 Edit an Existing User ................................... 18 Group User Maintenance............................. 19 Unlock or Reset User Passwords ................ 40

User Permissions Account Access ........................................... 21 Cash Concentration Access ........................ 29 Clone an Existing User to a Current user .... 33 Clone an Existing User to a New User ........ 32 Cross Account Access and Limits ............... 23 Cross ACH Company Access ...................... 22 Per Account Access and Limits ................... 25 Per ACH Company Access.......................... 22 Permissions Wizard ..................................... 21 User Entitlement Profiles ............................. 35 Wire Template Access and Limits ............... 27

Wire Beneficiaries Add a New Domestic Beneficiary .............. 159 Add A New Foreign Beneficiary ................. 160 Modify an Existing Beneficiary ................... 162

Wire Transfer Creation Approve Quick Entry .................................. 175 Create A Wire Transfer From A Template . 168 Create A Wire Transfer Without Using A

Template ................................................ 170 Foreign Beneficiary .................................... 181 Quick Entry ................................................ 173 Submit Quick Entry .................................... 174 Tax Payments ............................................ 185 Wire Transfer Status .................................. 172

Wire Transfer Reports Wire By Status Report ............................... 277 Wire By Template Report .......................... 278 Wire Transfer reports available ................. 189

Wire Transfer Templates Modify An Existing Template ..................... 166 Setting Up A Template ............................... 163

Wire Transfers Cut-Off Times ............................................ 156 Wire Permissions and Limits ..................... 156 Wire Transfer Field Descriptions ............... 189 Wire Transfer Page .................................... 156

3 Index

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