Online Services & Reporting Solutions...Institute (BAI), Quicken, QuickBooks (OFX), or SWIFT MT...

7/5/18

Online Services & Reporting Solutions

COMPREHENSIVE USER GUIDE

Regions iTreasury

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Table of Contents

Contents Table of Contents ......................................................................................................................................... 2

Welcome to Regions iTreasurySM ................................................................................................................. 7

Navigation .................................................................................................................................................... 8

Logging on ................................................................................................................................................ 8

Home Page and Widgets .......................................................................................................................... 8

Menus ..................................................................................................................................................... 14

Menu Icons ......................................................................................................................................... 14

Utilities Menu .......................................................................................................................................... 15

Help .................................................................................................................................................... 15

Log off ................................................................................................................................................. 15

Workspaces ............................................................................................................................................ 15

Working with Lists ................................................................................................................................... 15

Available Actions ................................................................................................................................. 16

Navigating through a List ..................................................................................................................... 17

Selecting a Predefined View ................................................................................................................ 18

Filtering a List ...................................................................................................................................... 18

Sorting a List ....................................................................................................................................... 21

Moving Columns ................................................................................................................................. 21

Adding or Removing Columns ............................................................................................................. 21

Exporting Lists ..................................................................................................................................... 22

Printing Lists........................................................................................................................................ 22

Saving a View ..................................................................................................................................... 23

Assigning the Default View .................................................................................................................. 23

Working in Detail Screens ....................................................................................................................... 24

Mandatory Fields ................................................................................................................................. 24

Expanding and Collapsing Sections .................................................................................................... 25

The Audit Section ................................................................................................................................ 25

Using Drop-Downs and Lookups ............................................................................................................ 27

Confirmation and Error Messages .......................................................................................................... 27

Working with Reports .............................................................................................................................. 28

Viewing a Report ................................................................................................................................. 28

Notifications ................................................................................................................................................ 29

Payments ................................................................................................................................................... 30

Payment Management List ..................................................................................................................... 31

Available Views in the Payment Management List............................................................................... 32

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Exporting or Printing Payments ........................................................................................................... 33

File Import ........................................................................................................................................... 35

Approving/Unapproving Payments ...................................................................................................... 35

Creating Payments ................................................................................................................................. 35

Wire Payments ....................................................................................................................................... 35

Transfers ................................................................................................................................................ 36

Batch Payments...................................................................................................................................... 36

Wire Payments ....................................................................................................................................... 36

Wire - Domestic Payments .................................................................................................................. 37

Wire - International Payments ............................................................................................................. 39

Transfers ................................................................................................................................................ 41

Creating a Single Transfer ...................................................................................................................... 41

Creating a Many-to-One Transfer ........................................................................................................... 43

Creating a One-to-Many Transfer ........................................................................................................... 44

Loan Payments ....................................................................................................................................... 45

Make a Loan Payment ........................................................................................................................ 45

Batch Payments...................................................................................................................................... 47

ACH / NACHA Payments .................................................................................................................... 47

ACH Account Balances ........................................................................................................................... 48

Cash Concentration Payments ............................................................................................................ 48

Cash Concentration/Disbursement Payments ..................................................................................... 50

Cash Disbursement Payments ............................................................................................................ 52

Child Support Payments ...................................................................................................................... 55

Consumer Collections ......................................................................................................................... 57

Create a Consumer Payment .............................................................................................................. 59

Corporate Collections Payments ......................................................................................................... 61

Corporate Trade Exchange Payments................................................................................................. 63

Corporate/Vendor Payments ............................................................................................................... 66

International ACH Payments ............................................................................................................... 68

Internet Initiated Collections Payments ................................................................................................ 71

Payroll Payments ................................................................................................................................ 73

Tax Payments ..................................................................................................................................... 75

Telephone Initiated Collections Payments ........................................................................................... 76

Prefunding for ACH Payments ............................................................................................................ 78

Using Summary View for Batch Payments .......................................................................................... 78

Common Functions for Batch Payments ............................................................................................. 79

Create Quick Entry Payments ............................................................................................................. 82

Create a Payment from a Template ..................................................................................................... 82

Workflow Life Cycle ................................................................................................................................ 83

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Workflow States ...................................................................................................................................... 84

Get an Exchange Rate and Trade Cross Currency Payments ............................................................. 85

Modify Payments ................................................................................................................................. 86

Import Payment and Template Data ....................................................................................................... 86

Wire Payments ....................................................................................................................................... 87

NACHA Files .......................................................................................................................................... 89

Detail Import ........................................................................................................................................... 89

Imported Files Needing Repair and Rejected Files ................................................................................. 91

Standard Import Format for Payments................................................................................................. 91

Standard Structure .............................................................................................................................. 91

Import File Example ............................................................................................................................ 92

Multiple Payment Types in a Single File .............................................................................................. 92

NACHA Payments .................................................................................................................................. 92

Transfers ................................................................................................................................................ 94

Wire - Domestic Payments ..................................................................................................................... 95

Wire - International Payments ................................................................................................................. 99

Repair Payments .................................................................................................................................. 102

Reject Payments ................................................................................................................................... 103

Scheduling a Payment .......................................................................................................................... 104

Templates ............................................................................................................................................. 107

Create a Freeform Template ............................................................................................................. 109

Create a Template from a Payment ................................................................................................... 111

Copy as Template or Payment .......................................................................................................... 111

Update a Template Through File Import ............................................................................................ 112

Payment Template Groups ................................................................................................................... 113

Create a Payment Template Group ................................................................................................... 113

Stop Payments ..................................................................................................................................... 114

Cancel Stop .......................................................................................................................................... 116

Check Inquiry ........................................................................................................................................ 116

Check Inquiry Results ........................................................................................................................... 117

Positive Pay ............................................................................................................................................. 118

Positive Pay .......................................................................................................................................... 118

Positive Pay Control Decisioning .......................................................................................................... 119

Actions for Suspect Transactions ...................................................................................................... 122

Approving/Unapproving a Suspect Transaction ................................................................................. 122

Viewing Decision History ...................................................................................................................... 122

Check Issue Management .................................................................................................................... 124

Approving a Check Issue/Void .......................................................................................................... 126

Filtering Check Issues/Voids by Job ID ............................................................................................. 126

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Viewing Imported Files ...................................................................................................................... 127

Approving an Imported File ............................................................................................................... 128

Import a Check Issue/Void .................................................................................................................... 128

Reporting ................................................................................................................................................. 131

Account Summary Widget .................................................................................................................... 131

Updating Balances ............................................................................................................................ 133

Adding Additional Columns ............................................................................................................... 134

Exporting Balance and Transaction Data .......................................................................................... 134

Transaction Detail Screen ..................................................................................................................... 134

Viewing Transaction Images ............................................................................................................. 135

Combined View..................................................................................................................................... 137

Filtering the Combined View .............................................................................................................. 137

Account Groups .................................................................................................................................... 139

Adding Account Groups .................................................................................................................... 139

Viewing Account Groups ................................................................................................................... 141

Modifying or Deleting Account Groups .............................................................................................. 141

Download.............................................................................................................................................. 142

Download Fields ....................................................................................................................................... 145

Report Management ............................................................................................................................. 146

View a Report .................................................................................................................................... 146

Download Special Reports ................................................................................................................ 150

Online Statements Search .................................................................................................................... 151

Wire Transaction Report ....................................................................................................................... 153

Image Search ....................................................................................................................................... 153

Administration and Settings ...................................................................................................................... 156

ROOBA (Regions Out of Band Authentication) ..................................................................................... 157

User Maintenance/OnePass Admin Console ........................................................................................ 158

Create an Application Profile from an Existing User .............................................................................. 159

Create Application Profile by Cloning an Existing User ......................................................................... 160

Create a NEW Application Profile (with blank permissions) .................................................................. 161

User Profile ....................................................................................................................................... 162

Adding Payment Permissions ............................................................................................................ 163

Adding Overall Approval Limits.......................................................................................................... 164

Choosing a Payment Setting ............................................................................................................. 166

Granting Permission to Payment Actions .......................................................................................... 166

Assigning Accounts, Account Actions, and Account Approval Limits ................................................. 169

Assigning Originators, Originator Actions, and Originator Approval Limits ......................................... 171

Adding Restricted Templates ............................................................................................................ 172

Adding Reporting Permissions .......................................................................................................... 173

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Adding Risk Management Permissions ............................................................................................. 174

Adding Administrative Permissions ................................................................................................... 175

Adding Alert Permissions .................................................................................................................. 176

Modify, View, Delete, and Approve Users ............................................................................................. 176

Remove an iTreasury Application Profile .............................................................................................. 176

Add an iTreasury Application Profile ..................................................................................................... 177

Modify an iTreasury Application Profile ................................................................................................. 177

Preferences Workspace ........................................................................................................................ 177

ACH Company Options ......................................................................................................................... 177

Rename Bank Account ...................................................................................................................... 178

Confidential Settings ......................................................................................................................... 178

Address Book ....................................................................................................................................... 179

Payment Types Supported ................................................................................................................... 180

Beneficiary Address Book Import Formats ............................................................................................ 180

Adding and Importing Beneficiary Address Book Information ................................................................ 180

Exporting or Printing the Address Book ................................................................................................ 181

Add a New Contact to the Address Book .............................................................................................. 181

Importing Beneficiary Addresses .......................................................................................................... 184

Viewing Import File Details ................................................................................................................ 188

Deleting Imported Data ..................................................................................................................... 190

Import Map ........................................................................................................................................... 191

Add an Import Map ............................................................................................................................ 192

Applying Default Values ........................................................................................................................... 196

Default Value Entered and Field Number Empty ................................................................................... 196

Default Value and Field Number Entered .............................................................................................. 196

Alerts Center ............................................................................................................................................ 197

Alerts .................................................................................................................................................... 197

Alert Types ........................................................................................................................................ 199

Recipients ......................................................................................................................................... 202

Adding a Recipient ............................................................................................................................ 202

Recipient Group Settings................................................................................................................... 202

Add Recipient Group Settings ........................................................................................................... 202

Recipient Group Assignments ........................................................................................................... 203

Add Recipient Group Assignment ...................................................................................................... 203

Audit Information ...................................................................................................................................... 203

Glossary ................................................................................................................................................... 205

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Welcome to Regions iTreasury

Frequently Asked Questions

How Can I...

Navigation Payments

o Add widgets to my Landing (Home)

Page?

o Create a tax payment?

o Create a payroll payment?

o Create a consumer payment?

o Create a template that I can use to pay future

bills?

Checks Bank Accounts

o Review or enter check issues? o View my account balance?

o Export account balance information?

o Search for electronic statements?

Reports Administration

o View a report?

o Filter a report?

o Navigate, print, and export reports?

o Add users?

o Cloning users?

o Restore disabled users?

o Add a beneficiary address?

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Navigation

The following section provides a brief tour of the application and offers tips for working in the

program.

Logging on

When you sign on to OnePass, you will see a link for New iTreasury on your landing page.

Home Page and Widgets

The Home Page provides the ability for you to personalize your banking experience with a group of

widgets. Widgets are small components that allow you to perform a variety of common tasks such as

quickly making a payment, transferring funds, stopping payment on a check, taking action on tasks, and

making positive pay decisions.

The Home Page is the first screen you see after logging on to the program. If your page was

configured by an administrator, you will see a series of widgets already in place.

Available Widgets

The following widgets can be added to the Home Page:

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ACH Company Options

The ACH Company Options function allows you to give ACH companies a more meaningful, client-

defined name. For more information, see ACH Company Options.

Account Summary

The Bank Account Summary widget lists the balances of the accounts that you have permission to

see. The available balance information includes opening ledger, current ledger, opening available, and

current available and closing ledger balance. You can also access transaction details and account

statement reports from the widget. For more information, see Account Summary Widget.

Address Book

The Address Book allows you to add, modify, view, and delete payment beneficiaries. Address book

entries can then be used when creating a payment, or template. For more information, see Address

Book.

Alerts

The Alerts widget lets you configure the system to automatically send email alerts when certain

conditions occur. For example, a Closing Available Balance alert can be sent when a closing account

balance falls below a certain threshold or an alert can be sent when a Positive Pay Suspect file is

received from the bank. For more information, see Alerts.

Bank Account Filters

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The Bank Account Filters function allows you to assign bank accounts to the companies that you

manage. For more information, see Bank Account Filters.

Check Inquiry

The Check Inquiry widget retrieves information about checks from a bank system. Depending on the

status of a check you inquire about, you can carry out various actions on those checks. For example, a

check that comes back from the bank with a status of outstanding can be stopped. A check that comes

back from the bank with a status of paid can be viewed through image retrieval. For more information,

see Check Inquiry.

Check Issue Management

The Check Issue Management widget displays all check issues and voids created in the system. It also

allows you to add check issue/voids, cancel stops, and place stops. For more information, see Positive

Pay.

Confidential Settings

The Confidential Settings widget allows you to determine how users of the application will import files

representing supported payment types. This widget may be restricted based on if you are an iTreasury SB

or standard iTreasury customer. For more information, see Confidential Settings.

Download

The Downloads widget allows you to download balance and transaction data in Bank Administration

Institute (BAI), Quicken, QuickBooks (OFX), or SWIFT MT 940/942 format.

Bank account and transaction information can also be downloaded in CSV format from the Bank

Account Summary screen or transaction list view with the Export function. For more information, see

Download.

File Import History

The File Import History widget displays a list of imported files, one file to a row. Each file is identified by

file name, date of import, import type, and job ID. For more information, see File Import History.

Image Search

The Image Search widget allows you to search for check or deposit ticket images up to 7 years.

Import Map

The Import Map widget allows you to create custom import maps that can be used to import data from

your systems. The tool provides you with the ability to define the file layout, field mapping, and rules for

importing files. or more information, see Import Map.

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Notifications

The Notifications widget provides notification of actions that have occurred in the system and actions

that are awaiting your action. For more information, see Notifications.

Online Statements Search

The Online Statements Search widget lets you search for specific Online Statements based on

statement type and date. In addition, you can filter existing Online Statements according to account

details. For more information, see Online Statements Search.

Payments List View

The Payments List View widget allows you to create and manage payments. You can perform a

number of operations, including viewing, editing, modifying, approving, and deleting payments. For

more information, see Payments.

Positive Pay

The Positive Pay widget displays all check payment transactions that the bank identifies as suspect, as

well as allowing you to view a decision history for each of them. Based on the information displayed for

each item, you can decide which items to pay or return. For more information, see Positive Pay.

Quick Transfer

The Quick Transfer widget lets you make a simple transfer of money between two accounts.

To make a quick transfer:

1. Enter an amount.

2. Use the calendar icon to select the transfer date.

3. Select the accounts between which you want to transfer funds (the From and To accounts).

4. Click Queue Transfer.

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Recurring Payment Exceptions

The Recurring Payment Exceptions widget displays exceptions that occurred during the creation of

recurring (scheduled) payments.

Rename Bank Account

The Rename Bank Account widget gives you the opportunity to change an existing account name or

create an account nickname. For more information, see Rename Bank Account.

Recipients Group and Recipient List

The Recipients Group and Recipient List widgets work in tandem with the Alert Settings function. An email

recipient associates a logical name to an email address. This allows alerts to automatically incorporate

email address changes.

Through the Recipients Group widget, you can assign client email recipients to a specific client email

group. For more information, see Recipient Group Assignments and Recipients.

Report Management

The Reports Management widget shows a list of all reports you have access to. Reports are organized

by report groups (Payment Reports and Information Reporting Reports). For more information, see

Report Management.

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Special Reports

The Special Reports widget is a function of Report Management. Report Management lets you view

application and Special Reports, which are reports generated by an external system. For more

information, see Special Reports.

Stop Payments

The Stop Payments widget shows stop payments and cancel stop payments. For more information, see

Stop Payments.

Template List View

You can create payment templates that contain commonly used payment information. Payments can

then be made from these templates, saving time and improving efficiency. The Template List View

widget lets you view and manage templates created in the application. For more information, see

Templates.

Wire Transaction Report

The Wire Transaction Report widget provides information about incoming wires. For more

information, see Wire Transaction Report.

Managing Widgets

You can add widgets to the Home Page, as well as move existing widgets to different locations on the

page. You can also resize existing widgets and remove those you don't want to use anymore.

To add a widget:

1. On the application workspace, click Add Widgets.

2. Select the desired widget from the list.

The newly added widget appears on the page.

To move a widget:

o Left-click the widget and, with the mouse button depressed, drag and drop the widget to the

desired position on the workspace.

To resize a widget:

1. Click the Options icon in the upper right-hand corner of the widget.

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2. Click Resize.

The widget is resized so that it takes up only half the width of the screen.

3. To return the widget to its original size, repeat Steps 1 and 2.

To remove a widget:

1. Click the Options icon in the upper right-hand corner of the widget.

2. Click Remove.

The widget is deleted from the screen. It can be added again as desired.

Menus

Application features are available from the menus. On larger screens, the menus appear at the top of

the screen wherever you are working in the program. For smaller screens, the menu icons appear on

the left side of the screen

Menu Icons

Menu icons are displayed on smaller screens and allow you to access functions for a particular area.

The table below shows the menu icon and a description.

Icon Functionality Description

Home Provides access to the Home Page, where your customized set of

widgets appear.

Payments Provides access to all payment functions.

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Icon Functionality Description

Positive Pay Provides visibility into the status of all issued checks and controls

against the threat of check fraud.

Reporting Provides access to reports and download functionality.

Administrator and

Settings

Provides access to a historical record of file importation, in addition to

administrative features of the application such as the beneficiary

address book and alerts.

Utilities Menu

Click the area just below the login information to get help or log off.

Help

The Help option opens the Help system.

Log off

Log off lets you exit the system when you are finished with a session.

Workspaces

Widgets are small components that allow you to perform a variety of common tasks such as quickly

making a payment, transferring funds, stopping payment on a check, taking action on tasks, and

making positive pay decisions. Workspaces are groupings of individual widgets. For example, the

Payments workspace combines both the Payments List View and Template List View widgets.

Working with Lists

Many functions in this application are organized in a list. For example, the Payments List View is

shown below. Access the Payments List View by selecting Payment Management from the

Payments menu.

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Payments Menu

Payments Center - Payments List View

Available Actions

The Actions column allows you to take action on a single item in a list. Depending on the item, you can

view, edit, approve, or delete an item.

Click the drop-down menu to view available actions. If only one action is available for an item, access

that function by clicking it.

View

To view the details of an item in a list, click or select View in the Actions column. Details of the item will be displayed. Buttons at the bottom of the screen allow you to take action on the item. Click an action button, or click Close or Cancel to return to the list. See Working in Detail Screens for more information.

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Edit

Clicking or selecting Edit from the Actions column will display an edit screen where you can make

changes to the item. When you have finished making the necessary changes, click Save or Submit.

Approve/Unapprove

Many items require approval when they are entered or modified. Items that need approval will usually

have a status of Entered or Modified (shown in the Status column of the list). To approve an item,

click or select Approve in the Actions column. You can also approve multiple items at one time by

checking the appropriate checkboxes and clicking the Approve button.

In addition, if the Unapprove option is available, you can unapprove any items that were approved in

error.

If you attempt to approve/unapprove an item or items, a confirmation screen may appear telling you that

some of the selected items are not eligible.

Click Yes to continue; otherwise click No.

Delete

The delete function removes an item from the system. Click or select Delete in the Actions column to

delete an item. You will need to confirm that you would like to delete the item before it is removed.

You can also delete multiple items at one time by checking the appropriate check boxes and selecting

delete.

Navigating through a List

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The number of records and number of pages in a list is shown on the bottom of the screen.

Click the arrows or the Page drop-down to navigate from one page to the next.

Use the Display drop-down to select the number of records you want to appear on each page.

Selecting a Predefined View

Many lists have several predefined views that display records that meet specific criteria. For example,

the Payments Management has a predefined view Approved Payments that shows all payments in

approved status. To use a predefined view:

1. Use the Views drop-down (usually on the right side of the

screen), to select the view. The drop-down lists the available

predefined views for this screen.

2. Select the desired view in the list.

The displayed view will change to the one you selected.

Filtering a List

You can use the filter function to limit the records shown in a list to

records that meet specific criteria. Lists can be searched using the

quick search or the advanced filter. For simple searches, use the

quick search. For more complex searches, use Advanced Search.

To filter the list with the quick search:

1. In the Select Fields drop-down, select the field you would like to search by.

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2. If necessary, select an operator from the list.

3. Enter the search criteria.

4. Click Apply.

The records that meet the criteria you specified appear in the list.

5. If you wish to search the entire list again, click Clear All and enter a new search.

To filter using Manage Filters:

1. Within a list view, select the filter drop down menu a click Manage Filters.

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2. Use the Select fields drop-down to select the first field to use as a search criterion.

If necessary, select an operator such as is equal to or is greater than. If the field requires a date

selection, use the calendar pop-up to select a date.

3. Enter the search criteria.

4. To filter on an additional field, click the Add Filter link, select an operator if necessary, and enter

the search criteria.

5. Repeat steps 2 through 4 until you have selected as many filters as desired.

If you need to remove any added filters, click the x to remove that filter.

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6. When you have finished, click Apply Changes to see the search results.

The records that meet the criteria you specified will appear in the list. If you use the advanced filter

again, the system will search all of the items in the original list (not the filtered list).

7. Click Clear All to remove the filter.

Sorting a List

To sort a list, simply click on any column heading. To sort the column in the opposite order, click the

column header again.

Moving Columns

You can move columns to a new position on a list.

To move a column:

1. Hover over the upper-left corner of the column until the pointer changes to the drag and drop

icon.

2. Drag and drop the column to the new position.

Adding or Removing Columns

Columns can be added or removed from some lists in the application. If the list supports this function,

you will see a Manage Columns link.

To add or remove columns:

1. Hover over the cog wheel on the far right of the

list view.

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2. Click the cog wheel, and select Update once the desired columns are selected or removed.

Exporting Lists

The data from some lists can be exported.

To export a list:

1. Click the Export link, which appears at the left-hand top of the list screen.

An export window appears.

2. Save the file to a location on your computer or the network.

Printing Lists

Some lists can be printed.

To print a list:

1. Click the Print link.

A report window appears containing data from your list.

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2. Click the printer icon.

3. Your browser's print dialog will appear.

4. Print the file using the instructions for your browser.

Saving a View

Once you have arranged the payments list with the proper columns, sort order, and filters, you can

save the list for future use. This includes a date or date range in list views such as Payment or

Template List View.

Note that for columns which represent a date such Value Date, you can click the Edit control in the

column heading to see the calendar icon to select a date or date range to use as a filter. You can then

save the filtered result as a new view.

To save a view:

1. Click the View drop-down in the top-right corner of the list.

2. Select Save View.

3. In the Save List window, enter a name for the list and click Go.

You can now access the view from the View drop-down every time you visit the list.

Assigning the Default View

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If the manage link is available for a list, you can set the default view. The default view will be automatically

selected every time you open a list.

To assign the default view:

1. Click the Manage link.

2. Click the check box for the view you would like to make the default view.

3. Click Set as Default.

Working in Detail Screens

A detail screen is typically displayed when you click View in the Actions column of a list. Buttons at the

bottom of the detail screen offer actions that can be performed on the item. For example, you can delete

or approve the check issue shown below by clicking the appropriate button. To exit the screen without

performing an action, click Cancel.

Mandatory Fields

Some of the fields on detail screens must be completed before you can save the transaction you are

working on. These mandatory fields are marked with a red asterisk (*).

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Those fields not marked with an asterisk are optional.

Expanding and Collapsing Sections

You can expand or collapse a section of a detail screen by clicking the arrow button that appears to

the left of the section heading.

Collapsed sections in a payment detail screen

Clicking the arrow buttons expands these sections and exposes the fields in them.

The Audit Section

Most detail screens have an audit section. This section displays information about actions taken on the

item, including the name and ID of the user who created or modified the item and the entry method by

which the item was created. The audit section is located at the bottom of the screen.

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Note

To see additional details, you must first export the Audit report.

If a payment has been imported into the application with a status of Confidential, detail audit

information will be available only to those users with permission to view confidential payment

information. For more information about importing payments as confidential, see Import Payment

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and Template Data.

Using Drop-Downs and Lookups

Some fields within a window allow you to select from a preexisting list of available options. These fields

are marked by drop-down buttons.

Field with drop-down button

Click the button to display a list of options, and then select the desired one from the list.

Because lists often contain many options, if you know the name or a part of the name of the item, you

can type it in the field at the top of the drop-down (marked by the lookup icon ). When you start

typing, the system will find all the items that match. You can then select the appropriate one from the list.

Confirmation and Error Messages

When you perform an action on an item (such as saving, modifying, or approving a payment), a

message appears at the top of the window. The message will indicate if the action was successful or

there are errors that need to be corrected. You can click Details to see the details of the items that

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were successful or need your attention.

For example, the illustration below shows a message confirming that a payment was successfully

submitted.

Click the Details drop-down to view details of the payment.

Click Details again to hide the message.

Note that error messages and some confirmation messages appear as separate pop-up windows. Close

the pop-up window by clicking OK or Close.

Working with Reports

This section provides an overview of working with reports. It discusses the basic layout of reports, plus

the onscreen tools you have to work with. For more information on managing reports, see Report

Management.

Viewing a Report

The Report Management screen, available from the Menu, lets you view and filter all reports.

To view an existing report:

1. Click the Actions drop-down for that report, and select View.

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2. In some cases, if you select Filter, you will need to select filter criteria and then click View Results.

The report is displayed onscreen.

Notifications

The Notifications widget appears on your Home page and displays items and announcements that

need your attention such as:

o Bank messages such as outage notifications or holiday reminders

o The number of files that were recently imported

o The number of rejected payments that need your review

o The number of payments that need your approval

o Errors with recurring transactions (scheduled payments)

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Click the View link to see a list of items that meet the criteria above. For example, if you click the View

link for rejected payments, the Payment Center will appear with the transactions list filtered for rejected

payments only. You can then take action on the items in the list.

Note: If you remove the Notifications Widget, you will not see important messages from Regions regarding

iTreasury.

Payments

The Payments module allows you to create and manage payments. Payments functions are available

from the Payments menu.

The Payments Workspace contains two widgets: Payments List View and Templates List View. For

information about the Templates List View, see Templates.

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Payment Management List

Most single beneficiary and batch payments are managed and created from the Payments

Management list. You can perform a number of operations on individual payments, including viewing,

editing, modifying, approving, and deleting payments. For more information on these options see

Working with Lists.

The Payments list contains the following default columns:

o Beneficiary – The beneficiary or payee of the payment. “Multi” is listed in this column if the

payment is a multiple beneficiary batch payment (ACH/Global EFT).

o Payment Type

o Status

o ID – The unique identifier of the payment

o Amount – The amount of the payment

o Currency – The currency of the payment. For ACH, this is the origination currency. For wires, this is

the transaction currency.

o From Account – The account the payment is either made or originated from (debit account)

o Effective Date – Date on which funds from a payment are available

o Template Name – If the payment was made from a template, the name of the template

o Credit/Debit Indicator– Indicates whether the payment is a debit, credit, or a mixed batch

o Beneficiary

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o Customer Reference

Available Views in the Payment Management List

The drop-down at the right side of the screen allows you to filter the payments that appear in the list.

You can select the following views:

View Name Description

All Payments All payments in the system that meet the following criteria:

o The user has permission to view the payment type and entry method.

o The payment is one assigned to the user's company.

o If the payment was imported as Confidential, the user has permission to work

with confidential imports.

All

Payments

-ACH

All ACH payments in the system

All

Payments

-Wires

All Wire Transfer payments in the system

Approved

Payments

All payments with a status of Approved (AP)

Future Dated All payments with a value date in the future

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View Name Description

Payments

Imported

Payment

s

All payments imported through the application user interface.

My Payments All payments created by the current user

Needs Rate All payments in Needs Rate (RT) status and with a transaction date equal to the

current date. For information, see Get an Exchange Rate and Trade Cross

Currency Payments.

Payment

s

Needing

Repair

All payments in Needs Repair (NR) status. For information, see Imported Files

Needing Repair and Rejected Files.

Payments

Requiring

Approval

All payments in Entered (EN), Incomplete Approval (IA), or High Value (HV)

status

Rejected

Payment

s

All payments in Approver Rejected (AR) or Rejected (RJ) status. For information,

see Reject Payments.

Two Week

Look Back

All payment for which the value date lies within the past 2 weeks (based on

today's date)

Note

For information about payment status, see Payment Workflow and Statuses.

Exporting or Printing Payments

At the left-hand top of the Payment Management List screen, there are options for exporting and printing

the data in the list. You can choose to export or print all payments or selected ones.

Exporting Payments

To export payments from the Payments List:

1. If you want to export selected payments only, first select those payments by checking the

appropriate checkboxes in the list.

2. Click the Export link. The Export Payments window appears.

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3. If you chose to export only selected payments, click the Selected Payments radio button.

4. If you have selected an eligible ACH payment, the Export File Format section allows you to select

CSV or NACHA format.

5. Click Export.

6. Follow the workflow for your browser to save the file.

7. Some export requests take additional time to process. In this case, a message will appear indicating

how to download the file once its exported.

Note

Confidential payments will only be exported if you have permission to view them.

Printing Payments

To print payments from the Payments List:

1. If you want to print selected payments only, first select those payments by checking the

appropriate checkboxes in the list.

2. Click the Print link.

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3. Select All Payments or Selected Payments.

4. Click Print.

The chosen payments will appear in the Print List View window. Here, you can make additional

selections before or in addition to printing. The available selections will depend on your browser.

To print payments from the Payment Detail Screen:

1. Click Print.

2. The print dialog opens. You can now send the data from the screen to a printer or file.

File Import

The top left side of the Payment List View also offers a File Import option. For information, see Import

Payment and Template Data.

Approving/Unapproving Payments

Payments in the list that have been created and remain in Entered or Modified status can be

approved or unapproved. For more information, see Working with Lists.

Creating Payments

Payments can be created by clicking Add a New Payment link on the Payment Management List.

After clicking the link, you can choose to create a completely new payment, or select an existing

payment template as the basis for creating a new payment. After making this choice, the payment

detail screen for the payment type will appear. If you chose an existing payment temple, some of the

fields on the screen will already have data from the selected template.

Wire Payments

o Wire - Domestic Payments

o Wire - International Payments

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Transfers

Loans

o Loan Payments

Batch Payments

ACH/NACHA

o Cash Concentration Payments

o Cash Concentration/Disbursement Payments

o Cash Disbursement Payments

o Child Support Payments

o Consumer Collections Payments

o Consumer Payments

o Corporate Collections Payments

o Corporate Trade Exchange Payments

o Corporate/Vendor Payments

o International ACH Payments

o Internet Initiated Collections Payments

o Payroll Payments

o Tax Payments

o Telephone Initiated Collections Payments

Wire Payments

Wire payments are electronic funds transfers made directly from one person or institution to another.

Wires payments are made through a number of different central transfer systems, which include, for

example, the U.S. Federal Reserve's Fed Wire system and the European transfer service SWIFT. Wire

payments generally take less time to clear and as a result, are more expensive than domestic batch

payments.

The following topics cover the types of wires payments supported by the system's Client application:

o Create a Wire - Domestic Payment

o Create a Wire - International Payment

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Wire Payment Account Balances

When you create a new Wire payment and select an account in the Debit Account field, the account

balance is displayed for the selected account.

Wire - Domestic Payments

A domestic wire payment creates an electronic funds transfer from payer to payee within the United

States.

To create a domestic wire payment:

Creating a Wire Payment

1. Select Payment Management from the Payments menu.

2. Click Add a New Payment.

3. Use the Payment Type drop-down to select Wire-Domestic, or use the Select a Payment Template

drop-down to select an existing template.

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4. Click Continue.

5. Use the Account Number drop-down to select the account to be debited.

The Account Name and Client Account Name field are automatically filled in.

Note

If you selected a template, some fields may already be completed.

6. (optional) In the Customer Reference field, enter a customer reference.

7. (optional) Enter any comments. Comments will be stored with the transaction but will not be sent

with the payment.

8. In the Beneficiary Information section, select a payee from the beneficiary address book by

clicking the lookup icon and then selecting from the list. Or enter the beneficiary name. If you

select an entry from the beneficiary address book, some of the remaining fields will be

automatically populated.

9. If necessary, enter the address and country for the beneficiary.

If you need to add another address line, click Add Address Line.

10. In the Beneficiary Bank Information section, enter or select the Account Type.

11. Select a beneficiary bank code. If you select an existing code, the beneficiary bank name

and address are automatically filled in.

Note

Depending on your system configuration, in the Beneficiary Bank Information section you may

see two radio buttons: Bank Code Look-up and Freeform Entry.

o If the beneficiary bank is a part of the Fed Wire/ABA system, select the bank code

as instructed in step 10.

o If the bank is not part of the Fed Wire system, click Freeform Entry, and then enter the bank

account number, name, and address. Click Add Address Line for each additional address

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line as needed.

12. Enter the account number.

13. In the Amounts & Dates section, enter the credit amount.

14. Use the calendar icon to select a value date. The transaction date will be populated based on

the value date you enter.

15. In the Intermediary Bank section, use the Code drop-down to select a bank code for the first

intermediary bank, if any. The bank name and address will be automatically filled in.

16. In the Payment Details and Bank to Bank Instructions sections, enter any payment details

and bank-to-bank instructions that you want to accompany the payment.

You can add up to six lines of bank-to-bank instructions.

17. (optional) In the Ordering Party section, use the ID Type drop-down to select a type for the

originator of the transaction, if any.

18. Enter the originator's ID.

19. Enter name and optional address information for the originator if it has not been filled in

automatically.

20. To save this payment as a template, check the Save this payment as a template for future

use checkbox. Then enter a Template Code (a descriptive name for the template) and

Template Description. If you want the template to be visible only to users who are explicitly

entitled to it, check the Restrict checkbox. The template will need to be approved before it can

be used. For information on approval, see Working with Lists.

21. Click Submit to submit the payment or Save for Later to edit the payment later.

After the payment is submitted or saved, a message will appear at the top of the screen indicating

whether the payment was submitted or saved successfully or if the payment has any errors. See

Confirmation and Error Messages for additional information.

A payment must be approved before it is sent to the beneficiary. Payments can be approved from

the Payment Management list. See Working with Lists for more information.

Wire - International Payments

An international wire payment creates an electronic funds transfer between a payer and payee who are

in two different countries.

To create an international wire payment:



3. Use the Payment Type drop-down to select Wire - International, or use the Select a

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Payment Template drop-down to select an existing template.

4. Click Continue.

5. Use the Account Number drop-down to select the account to be debited.

The Account Name, Client Account Name, and Bank Name fields are automatically filled in.

Note


6. (optional) Enter a customer reference.

7. (optional) Enter any comments you want to save with the transaction. Comments will not be

included with the payment itself.



select an

entry from the beneficiary address book, some of the remaining fields will be automatically

populated.

9. (optional) If the beneficiary address was not automatically populated, enter the beneficiary address.

If you need to add another address line, click Add Address Line.

10. (optional) If needed, use the Country drop-down to select the beneficiary's country.

11. In the Beneficiary Bank Information section, select the beneficiary's account type.

12. Use the Bank Code Type drop-down to select the bank code type.

13. Enter the beneficiary account number.

Note

Depending on your system configuration, you may see two radio buttons underneath the

Account Number field. If the beneficiary bank has a routing number, leave the Bank Code Look-

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up option selected. If the bank does not have a routing number, click Freeform Entry.

14. If you selected Bank Code Lookup, select a bank code from the Bank Code drop-down.

15. If you selected Freeform Entry, enter the bank account number, bank name, and any address fields.

16. In the Amounts & Dates section, enter the appropriate amount and currency. For multi-currency

payments, you can enter the credit amount or debit amount.

17. Use the calendar icon to select a value date.

18. The Exchange Rate field displays the current exchange rate between the two currencies involved

in the payment.

19. (optional) In the Intermediary Bank section, use the Code Type drop-down to select a bank code

type.

20. Use the Code field to select a bank code for the intermediary bank, if any. The bank name and

address will be automatically filled in.

21. (optional) In the Payment Details and Bank-to-Bank Instructions sections, enter any lines of

detail and instructions that you want to accompany the payment.

You can add up to six lines of bank-to-bank instructions.

22. In the Ordering Party section, use the ID Type drop-down to select the type for the originator of

the transaction, if any.

23. The ID, Name, and Address fields may be filled in automatically from the information you entered

before. If not, enter the originator's ID, name, and address information.



whether the payment was submitted or saved successfully or if the payment has any errors.


the Payment Management list or payment detail screen.

Transfers

A transfer is a simple transfer of money between two accounts. You can choose to create a single

transfer or multiple transfers by choosing the Many to One or One to Many option.

o A many-to-one transfer lets you transfer money from several different accounts to a single account.

o A one-to-many transfer lets you transfer money from one account to several different accounts.

Creating a Single Transfer

To create a transfer payment:


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3. Use the Payment Type drop-down to select Transfer.

4. At Transfer Type, select Single, and then click Continue.

5. In the Debit Account section, use the Account Number drop-down to select the account to

be debited.

The Account Name, Client Account Name, and Bank Name fields are automatically filled in.

6. (optional) In the Customer Ref field, enter a customer reference.

7. (optional) Enter any comments. Comments will be stored with the transaction but not be forwarded

with the transfer.

8. In the Credit Account section, select a credit Account

Number. The Name and Bank Name fields are automatically

filled in.

9. In the Amounts and Dates section, enter a credit or debit amount.

10. The earliest possible value date will automatically be selected. If needed, you can enter a different

value date or select one using the calendar icon.

11. In the Payment Details section, enter any instructions or other details.



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Creating a Many-to-One Transfer

To create a many-to-one transfer:




4. At Transfer Type, select Many to One, and then click Continue.

5. Select the From Account.

6. Select the To Account.

Note

The From and To Accounts must have the same currency.

7. Enter the debit amount.

8. Use the calendar icon to select the desired value date.

9. (optional) Enter a comment; the comment is stored but not forwarded with the transfer payment.

10. If you want to create another transfer, click the Add Account link.

The bottom of the screen will keep a running tally of the number of accounts added for transfer,

the amount of each transfer, and the From and To Accounts for each transfer.

11. Repeat steps 5 to 10 for each new transfer you want to make.






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Creating a One-to-Many Transfer

To create a one-to-many transfer:




4. At Transfer Type, select One to Many, and then click Continue.

5. Select the From Account.

6. Select the To Account.

Note

The From and To Accounts must have the same currency.

7. Enter the debit amount.

8. Use the calendar icon to select the desired value date.

9. (optional) Enter a comment; the comment is stored but not forwarded with the transfer payment.

10. If you want to create another transfer, click the Add Account link.

The bottom of the screen will keep a running tally of the number of accounts added for transfer,

the amount of each transfer, and the From and To Accounts for each transfer.

11. Repeat steps 5 to 10 for each new transfer you want to make.










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Quick Transfer

The Quick Transfer widget lets you make a simple transfer of money between two accounts.

To make a quick transfer:

1. Enter an amount.

2. Use the calendar icon to select the transfer date.

3. Select the accounts between which you want to transfer funds (the From and To accounts).

4. Click Queue Transfer.

Loan Payments

The application allows you to make a payment towards an existing loan (Loan Payment). The linked

topics describe the process for creating a loan payment. Loan payments can also be viewed, modified,

approved and deleted. For additional information see Working with Lists.

o Make a Loan Payment

Make a Loan Payment

A loan payment is used to pay down an existing loan.

To create a loan payment:



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3. Use the Payment Type drop-down to select Loan Payment, and then click Continue.

4. Use the From Account drop-down to select the account to be debited.

5. Use the calendar icon to select a value date.

6. Use the Loan Account drop-down to select the loan.

The remaining balance on the loan, the due date of the payment, and the amount due are displayed

if the system is configured to display this information.

Enter the amount of the payment you want to make.

7. Depending on the system configuration, you may see the Applies to field. If the field is available,

use the drop-down to select how you want to apply the payment. Common choices are Standard

Amount or Principal Amount

8. Enter any comments you want to include with the payment; the comments will not be forwarded

with the payment itself.












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Note

When the payment is received by the bank, the bank will respond by sending a Processed

Payment alert. This alert must be setup in order to receive. The alert will inform you whether the

payment was received, confirmed, or rejected by the bank.

Batch Payments

Batch payments are typically domestic payments that are sent within a single country. Batch payments

often have more than one beneficiary. Examples of batch payments include Payroll, Corporate-Vendor,

and Cash Concentration, payments.

o ACH Payments

ACH / NACHA Payments

ACH payments are US domestic batch payments cleared through the Automated Clearing House

(ACH) network. This network allows for consumer, business, and government payments through

participating financial institutions. NACHA (National Automated Clearing House Association)

established and maintains the rules governing ACH transactions.

The following topics cover the types of ACH payments supported by the Client application:

o Cash Concentration Payments

o Cash Concentration/Disbursement Payments

o Cash Disbursement Payments


o Consumer Collections Payments

o Consumer Payments

o Corporate Collections Payments

o Corporate Trade Exchange Payments


o International ACH Payments

o Internet Initiated Collections Payments

o Payroll Payments

o Tax Payments

o Telephone Initiated Collections Payments

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ACH Account Balances

When you create a new ACH payment and select an account in the Originator ID field (that is, you

select a payer), the account balance is displayed for the selected account. The offset account will

also be displayed in the Originator ID field.

Cash Concentration Payments

A cash concentration transaction transfers funds from one account to the other with the aim of

consolidating funds in a central account for better cash management. Cash concentrations use NACHA

clearing method.

To create a cash concentration payment:



3. Use the Payment Type drop-down to select Cash Concentration.

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4. Use the Payment Sub Type drop-down to select NACHA as the payment method.

5. Click Continue.

6. Select the Originator ID.

The ACH Company and Company ID / Name fields are automatically filled with the ACH

company name and the associated company ID/name.

If there is an offset account associated with the payment account, that will be displayed as well.

7. In the Value Date field, enter a date or select one using the calendar icon.

The earliest possible value date will automatically be selected on the

calendar.

8. (optional) The Batch Description field is automatically populated with the batch description. If

needed, change the description.

9. (optional) In the Descriptive Date field, enter a transaction date that you want to appear on the

beneficiary's account statement.

10. (optional) Enter any internal comments. Comments will be stored with the transaction but are not

forwarded.



select an


populated.

12. (optional) Enter the company location number.

13. (optional) In the Discretionary Data field, enter the desired data. Discretionary data could be a

variety of information associated with the payment or beneficiary, such as a payment description or

the beneficiary name and/or ID number.

14. Enter or select the ABA number of the beneficiary bank. If you select an existing one, the

beneficiary company bank name is automatically filled in.

15. Enter the beneficiary's account number.

16. Select an account type.

17. Enter the transaction amount.

The currency is automatically populated.

18. (optional) Check the Create Prenote checkbox if you want to create and send a prenote.

19. (optional) Check the Hold checkbox if you want to place a hold on the transaction.

20. (optional) Use the Addenda Code drop-down to select the appropriate Addenda Code.

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21. (optional) Enter the addenda.

22. In the Transactional Comment field, enter an internal comment that you want to store with the

transaction but not appear on the beneficiary's account statement. Comments entered here are

not be forwarded.

23. To exclude this beneficiary from the batch before or after certain dates, see Excluding a Beneficiary

from a Batch.

24. To add another beneficiary to the batch, click Add Another Beneficiary. See Adding Another

Beneficiary for additional information.






26. Click Submit to submit the payment for approval or Save for Later to save a draft of the payment.

A message will appear at the top of the screen indicating if the action was successful or listing any

errors. See Confirmation and Error Messages.

Notes

o A payment must be approved before it is sent to the beneficiary. Payments can be approved

from the Payment Management list. See Working with Lists for more information.

Cash Concentration/Disbursement Payments

A cash concentration/disbursements transaction transfers funds from one account to the other with

the aim of consolidating funds in a central account for better cash management. The account into

which the funds are transferred is sometimes called the collection account. This type of transaction

further allows for the transfer of funds from the collection account into a variety of other accounts

(disbursement accounts), for example, to increase the possibilities for investment or decrease

penalties on a single account. Cash concentration/disbursements can use the NACHA clearing

method.

To create a cash concentration transaction:



3. Use the Payment Type drop-down to select Cash Concentration/Disbursement.


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5. Click Continue.




If there is an offset account associated with payment account, that will be displayed as well.

7. In the Value Date field, enter a date or select one using the calendar icon. The earliest

possible value date will automatically be selected on the calendar.






forwarded.







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17. Use the drop-down to select debit or credit.


The currency will be automatically populated

19. (optional) Check the Create Prenote box if you want to create and send a prenote.

20. (optional) Check the Hold box if you want to place a hold on the transaction.



23. (optional) In the Transactional Comment field, enter an internal comment that you want to store

with the transaction. Comments entered here are not forwarded with the transaction. (optional)


from a Batch.











Notes



Cash Disbursement Payments

Cash disbursements can use the NACHA clearing method. This topic discusses creating a cash

53 | P a g e

disbursement using the NACHA clearing method.

To create a cash disbursement:



3. Use the Payment Type drop-down to select Cash Disbursement.

4. Use the Payment Sub Type drop-down to select a method: NACHA.

5. Click Continue.












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forwarded.














The currency will automatically be populated.






with the transaction. Comments entered here are not forwarded with the transaction. (optional)


from a Batch.









Notes



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Child Support Payments

This transaction type is used to pay court-ordered child support. The beneficiary in child support

payments is the state agency mandating the payment.

To create a child support payment:



3. In the Add Payment window, click the Select Payment Type radio button.


5. Click Continue.










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10. (optional) Enter any internal comments. Comments are saved, but are not forwarded with the

transaction.

11. In the Beneficiary Information section, use the Agency drop-down to select the state

agency mandating the payments.

The remaining Beneficiary fields will appear. These fields will vary slightly depending on the state

agency.

Note

The beneficiary address book does not support child support beneficiaries.

12. Enter the payer's (the absent parent's) first and last name.

13. Enter the absent parent's social security number.

14. Enter the payment amount.

15. (optional) Check the Zero Dollar Live Entry checkbox if this payment is a zero-dollar live entry.

16. Enter the case identifier or court order number. Sometimes, this field will include the state name

(for example, Florida Case No.).

17. Use the calendar icon to select the pay date (the date when income is withheld).

18. (optional) If the agency requires the FIPS code, use the drop-down to select the appropriate code.

19. (optional) Use the Employment Terminated field to select the payee's employment status.

20. (optional) Use the Medical Support Indicator field to select whether the payer has medical

coverage through an employer; the options are Y, N, and W (not applicable).




transaction. Comments entered here are not forwarded with the transaction.


from a Batch.








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Notes



Consumer Collections

This transaction type is used to collect consumer debts. In this case, the consumer's account is debited

by the corporation or vendor collecting the debt. So the beneficiary is the corporation/vendor, not the

consumer.

To create a consumer collection transaction:




4. Use the Payment Type drop-down to select Consumer Collections/Payments.


6. Click Continue.






possible value date will automatically be selected on the calendar


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transaction.

12. In the Beneficiary Information section, select a payee from the beneficiary address book, or

enter the consumer name. If you select an entry from the beneficiary address book, some of the

remaining fields will be automatically populated.

13. (optional) Enter an identifier for the beneficiary.




15. Enter or select the beneficiary's bank ABA number. If you select an existing code, the consumer

bank name is automatically filled in.


17. Select an account type (checking or savings).






23. In the Transactional Comment field, enter an internal comment. Comments are saved, but are not

forwarded with the transaction.


from a Batch.









Notes

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Create a Consumer Payment

This transaction type is used to pay a consumer either in the form of a reward for purchasing

goods/services or a refund.

To create a consumer payment:



3. Use the Payment Type drop-down to select the appropriate payment type, or use the Select

a Payment Template drop-down to select an existing template.

4. Use the Payment Sub Type drop-down to select NACHA (not shown if you selected an existing

template).

5. Click Continue.

6. Select the originator ID.

The ACH Company, Company ID / Name, and Offset Account fields are automatically populated

with any relevant data.

Note


7. In the Value Date field, the earliest possible value date will automatically be selected. If needed, you

can enter a different value date or select one using the calendar icon.

8. (optional) If necessary, you can add or change the value in the Batch Description field.

9. (optional) In the Descriptive Date field, enter a transaction date.

10. (optional) Enter any comments.

11. In the Beneficiary Information section, enter or select the name of the beneficiary. If you select

an existing beneficiary, beneficiary address and bank information is automatically filled in. Fields in

this section will vary depending on the payment type you selected.

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12. Complete the Beneficiary Information section as needed.

13. In the Amount field, enter the transaction amount.



16. (optional) In Addenda section, use the Addenda Code drop-down to select a code.


18. (optional) Enter a transactional comment.


from a Batch.









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Notes

o A payment must be approved before it is sent to the beneficiary. Payments can be approved from


Corporate Collections Payments

This transaction type is used for corporate debt collections. In this case, the beneficiary of the

payment is the corporation for whom the debt is collected.

To create a consumer collection transaction:



3. Use the Payment Type drop-down to select Corporate Collections.


5. Click Continue.







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transaction.

11. In the Beneficiary section, enter or select the name of the corporation to be paid. If you select

an existing beneficiary, beneficiary address and bank information is automatically filled in.

12. (optional) Enter an identifier for the corporation.




14. Enter or select the corporation's bank ABA number. If you select an existing code, the corporation's

bank name is automatically filled in.

15. Enter the corporation's account number.









from a Batch.









Notes


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Corporate Trade Exchange Payments

This type of payment is similar to the Corporate/Vendor Payment type. Corporate Trade Exchange

(CTX) payments are made either to corporations or individual vendors supplying goods and services. A

CTX payment allows you to make several addenda entries for each transaction in the batch.

To create a CTX payment:




4. Use the drop-down to select Corporate Trade Exchange, and then click Continue.

5. At Originator ID, select the originating account.








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9. (optional) Enter any internal comments. Comments are for internal use and are not forwarded with

the payment.

10. In the Beneficiary Information section, select a payee from the beneficiary address book or enter

the Corporate/Vendor Name. If you select an entry from the beneficiary address book, some of the

remaining fields will be automatically populated.

11. (optional) Enter the Corporate/Vendor ID.




13. Enter or select the ABA number of the beneficiary bank. If you select an existing ABA, the

Corporate/Vendor Bank Name is automatically filled in.




17. (optional) Check the Hold box if you want to temporarily hold the transaction.

18. (optional) In the Addenda section, under Remittance Information, use the Reference No. Type

drop-down to select the type of reference number that should appear in the remittance information

section of the receiver's account statement:

o Seller's Invoice Number

o Purchase Order Number

o Accounts Receivable Open Item

19. (optional) Enter the remainder of the remittance information for the payment:

o Reference No.

o Paid Invoice Amount

o Total Invoice Amount o Terms Discount (the amount of discount if you have terms with the corporation/vendor)

20. (optional) In the Reference Information section, use the Reference No. Type drop-down to

select the type of reference number that should appear in the reference information section of the

receiver's account statement:

o Bill of Lading Number


o Accounts Receivable Open Item

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o Voucher

21. In the Date Information section, use the Date Type drop-down to select the type of number that

the chosen date should reflect:

o Invoice Number


o Contract Effective

For example, if you want the chosen date to reflect the date your contract with the

corporation/vendor went into effect, select Contract Effective.

22. Use the calendar icon to select a date.

23. (optional) In the Adjustment Information section, enter any information about an adjustment that

was made to the original purchase. This includes the adjustment amount (Payment Adjustment)

and a brief description of the adjustment. Use the Adjustment Reason Code drop-down to select

the reason the adjustment was made: for example, Returns, Damage.

24. To add another addenda, click the Add Another Addenda link.

The information entered in the Addenda section is displayed in a table at the bottom of this section.

25. (optional) Repeat steps 17through 23 for as many additional addenda items that you want to add.

All addenda items will appear in the table at the bottom of the section. If you need to delete or edit

any of the information in the table, use the Action drop-down to select either Delete or Modify. If

you choose Modify, you will be able to make changes to the original information you entered, and

then save it by clicking Add again.

26. (optional) In the Transactional Comments field, enter an internal comment that you want to store

with the transaction. This comment will not be sent with the payment.


from a Batch.









Notes



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Corporate/Vendor Payments

This type of payment is made either to corporations or individual vendors supplying goods and

services. Corporate/vendor payments can use the NACHA clearing method.

To create a corporate/vendor payment:



3. Use the Payment Type drop-down to select Corporate/Vendor Payments.


5. Click Continue.

6. At Originator ID, select the originating account.









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10. (optional) Enter any internal comments that you want to appear on the account statement.

Comments are saved, but are not forwarded with the transaction.



select an


populated.

12. Enter the Corporate/Vendor ID.











20. (optional) In the Addenda section, use the Addenda Format drop-down to select the proper format.

21. (optional) Use the Addenda Code drop-down to select a code.

22. (optional) Enter total amount of the invoice you are paying.

23. (optional) Enter the terms discount.

24. (optional) In the Payment Adjustment field, if you are paying less than the amount owed, enter the

difference between the amount owed and the amount you are paying.

25. (optional) If you entered a payment adjustment, select a reason for the adjustment in the

Adjustment Reason Code field.

26. (optional) Enter a reference number the vendor can use to identify what the payment is for. For

example, you could enter an invoice number, purchase order number, contract number, or other

type of reference number.

27. (optional) Select the type of reference number from the Reference Number Type list.

28. (optional) Enter a description of the payment.


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with the transaction. Comments entered here are not forwarded with the payment.


from a Batch.



32. To save this payment as a template, check the Save this payment as a template for future use

checkbox. Then enter a Template Code (a descriptive name for the template) and Template

Description. If you want the template to be visible only to users who are explicitly entitled to it,

check the Restrict checkbox. The template will need to be approved before it can be used. For

information on approval, see Working with Lists.

33. Click Save for Later to save the payment before submitting it, or click Submit.

Notes



International ACH Payments

An International ACH Transaction (IAT) is an ACH payment that is sent to or from a beneficiary

account that is held at a bank office located outside of the territorial jurisdiction of the United States.

To create an IAT payment:



3. Use the Payment Type drop-down to select International ACH Transaction.


5. Click Continue.

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10. (optional) Enter any comments.

Comments will be stored with the transaction but not forwarded with the payment.

11. Select the name of the Destination Country.

12. If necessary, select the Destination Currency.

13. In the Beneficiary Name field, enter or select the name of the payee. If you select an

existing beneficiary, beneficiary address and bank information is automatically populated.

Note that only beneficiaries with the chosen destination country and currency (steps 12 and 13) will

be available for selection.

14. (optional) Enter the Beneficiary ID.

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15. Complete the beneficiary address fields, including Address, City, State, Province (if applicable),

Postal Code, and Country.

16. Enter or select the beneficiary bank code type.

17. Enter or select the beneficiary bank code. If you select an existing code, the beneficiary bank

name and country are automatically populated.

18. Enter or select the ABA number. If you select an existing ABA code, the bank name is automatically

filled in.


20. Use the Account Type drop-down to select a type.

21. Use the drop-down to select credit or debit.

22. Use the Transaction Type Code drop-down to select an appropriate code.

23. Enter an Amount.



26. (optional) In the Remittance section, enter any remittance information. You can enter up to 80

characters per line.

27. (optional) In the Correspondent Information section, use the Bank Code Type drop-down to

select a type.

28. (optional) Enter the correspondent bank code.

29. (optional) Enter the correspondent bank name and address.

30. (optional) If you want to add additional correspondent banks, click the Add Another

Correspondent link, and then repeat steps 28 through 30.

31. (optional) enter a transactional comment that you want to store, but not send with the payment.


from a Batch.









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Notes



Internet Initiated Collections Payments

This transaction type was introduced in March 2001. It is defined as a debit entry to a consumer bank

account, for which the authorization was obtained from the receiver (the consumer who owns the bank

account) over the Internet. The specific designation for these types of transactions was created in order

to address unique risks inherent to Internet payments. These payments require additional security

procedures and obligations that address these risks.

To create an internet-initiated collection payment:



3. Use the Payment Type drop-down to select Internet Initiated Collections.


5. Click Continue.

6. Select Originator ID.




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transaction



select an


populated.

12. (optional) Enter an identifier for the consumer.

13. Enter or select the consumer's bank ABA number. If you select an existing code, the consumer bank

name is automatically filled in.

14. Enter the consumer's account number.


16. Use the Payment Type Code drop-down to select a payment type.




20. (optional) In the Addenda section, use the Addenda Code drop-down to select a code, and then

enter the desired addenda.


transaction. Comments entered here will not be forwarded.


from a Batch.







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Notes



Payroll Payments

Payroll payments be made using the NACHA clearing method. This topic discusses the NACHA

clearing system.

To create a payroll payment:



3. Use the Payment Type drop-down to select Payroll.


5. Click Continue.





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10. Enter any internal comments. Comments are saved, but are not forwarded with the transaction.



select an


populated.

12. Enter the Employee ID.




14. Select the ABA of the employee’s bank.

15. If you select an existing ABA, the Employee Bank Name will be automatically entered.

16. Enter the employee's account number.

17. Enter the account type.




21. (optional) Use the Addenda Code drop-down to select the appropriate Addenda Code and enter

the addenda.


with the transaction. Comments entered here are not forwarded with the transaction.


from a Batch.






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Notes



Tax Payments

Tax payments are used to pay taxes to the appropriate tax authority.

To create a tax payment:



3. Use the Payment Type drop-down to select Tax Payments.


5. Click Continue.



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8. (optional) Enter a descriptive date, if desired.


transaction.

10. In the Beneficiary Information section, select a tax authority.

11. Select a tax type.

12. Enter the additional requested information, which will vary by tax authority and type. This

includes the payment amount.

13. (optional) Check the Create Prenote checkbox if you want to create and send a prenote.

14. (optional) Check the Hold checkbox if you want to place a hold on the transaction.


from a Batch.









Notes



Telephone Initiated Collections Payments

This transaction type is used to collect payments over the telephone. In this case, the beneficiary of

the payment is called the consumer.

To create a telephone-initiated collection payment:



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3. Use the Payment Type drop-down to select Telephone Initiated Collections.


5. Click Continue.





8. (optional) In the Batch Description field, enter or change the description for the payment batch.




transaction.



select an


populated.

12. (optional) Enter an identifier for the consumer.

13. Enter or select the consumer's bank ABA number. If you select an existing code, the consumer bank

name is automatically filled in.

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14. Enter the consumer's account number.


16. Use the Payment Type Code drop-down to select a payment type.




20. (optional) In the Addenda section, use the Addenda Code drop-down to select a code, and then

enter the desired addenda.




from a Batch.









Notes



Prefunding for ACH Payments

If your company has prefunding of ACH payments, a message appears whenever you create and save

an ACH payment.

Once final approval is applied to the payment, a message will appear informing the approver that the

payment cannot be unapproved once approved through iTreasury because it has been prefunded. All

prefunded payments will have payment withdrawn at time of final approval. If an item fails due to

insufficient funds, the payment will be in a Prefunding Failed status. Payments in a Prefunding Failed

status can be resubmitted for approval.

Using Summary View for Batch Payments

The beneficiaries included in a batch payment are listed in a grid at the bottom of the payment window.

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You can perform a number of actions on the beneficiaries appearing in summary view:

o To delete a beneficiary or beneficiary, click Delete in the Actions column corresponding to the

beneficiary. Or check the checkbox or boxes for the beneficiaries you want to delete, and then click

Delete.

o To view or edit detailed information for a beneficiary, click the box in the Actions column, and then

select the appropriate option from the drop-down.

o To add another beneficiary, click the Add Another Beneficiary link. Follow the instructions under

Adding Another Beneficiary above.

Common Functions for Batch Payments

There are a number of functions that are common to batch payments. These include the beneficiary

address book, and the batch grid.

Beneficiary Address Book

If you have permission to access the beneficiary address book, you can select the entry for the

business, employee, or individual you would like to pay. Once you have selected the beneficiary,

information from the address book record will populate the payment screen. Some companies require

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that you use an existing beneficiary record to create a payment.

For batch payments, the beneficiary record can be selected by using the drop down or search icon in

the first field in the Beneficiary Information section. After you select a beneficiary, data from the

address book record will be automatically populated.

Adding Another Beneficiary

See Adding Another Beneficiary

Excluding Beneficiaries from a Batch

See Excluding Beneficiaries from a Batch

Beneficiary Grid

When a batch payment has more than one beneficiary, the beneficiary grid appears. The beneficiary

grid contains information about all the payments in a batch. The beneficiary grid allows you to view, edit,

and delete beneficiaries from the grid. For information on using these functions, see Working with Lists.

The beneficiary grid also has predefined views for quick access to certain beneficiary types including

the following: Active Beneficiaries, All Beneficiaries, Beneficiaries Needing Repair, Inactive

Beneficiaries and Prenotes Only.

Adding Another Beneficiary

You can add another beneficiary to a batch payment by clicking the Add Another Beneficiary link at

the bottom of the screen.

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After clicking the link, another window will appear where you can enter information for the next

beneficiary. When a payment has more than one beneficiary, the beneficiaries are displayed in the

Beneficiary Grid.

When you have finished adding beneficiaries, you can submit or save the payment.

Excluding a Beneficiary from a Batch

You can exclude a beneficiary from a batch payment by selecting one or more exclusion dates.

To exclude a beneficiary:

1. Click Beneficiary Exclusion Dates.

2. Do one or both of the following:

o Check the Don't include this Beneficiary before checkbox, and use the calendar icon to select

a date before which you don't want this beneficiary to be paid.

o Check the Don't include this Beneficiary after checkbox, and use the calendar icon to select

a date after which you don't want this beneficiary to be paid.

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Create Quick Entry Payments

The Quick Entry feature lets you quickly create and submit payments based on existing templates or

template groups. Information from the templates is loaded into the Quick Entry screen, and you can

proceed to select amounts and value dates for the payments.

To create quick entry payments:


2. Click Quick Entry.

3. Use the Template Name drop-down to select an existing template or template group.

Beneficiary information from the selected template/group is listed on the screen.

4. At Value Date, use the calendar icon to select a value date.

5. At Amount, enter an amount for the payment.

6. If you want to add an additional payment, click Add Quick Entry, and repeat steps 3 through 5.

7. When you have finished, click Submit to submit the payment or payments.

Create a Payment from a Template

Creating a payment from an existing template allows you to use pre-established templates that have

been tailored for the types of payments you are working on.

To create a payment from a template on the Payments List screen:

1. From the Payments menu, select Payment Management.


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3. elect the Payment Template radio button, and select the name of the template.

4. Click Continue.

5. Enter the payment information needed to create the payment. For adding and managing

beneficiaries in batch payments, see Common Functions for Batch Payments.




Note



To create a payment from a template on the Template list:

1. From the Payments menu, select Template Management.

2. Select the existing template you wish to use to create the new payment, and select Copy

as Payment from the Actions drop-down list.

Note

A template must be in Approved (AP) status for this option to display.

3. Make the necessary changes to the payment detail information.


Note



Workflow Life Cycle

All transactions, regardless of type, go through the same basic workflow:

After a transaction is submitted, it is in Entered status. Transactions in an Entered state are eligible for

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approval.

1. Initiators can also save transactions in an Incomplete status, placing them in suspension until they

can be completed and converted to an Entered status.

2. Transactions which have been flagged as needing repair (usually because of a validation error in file

import) are marked Needs Repair.

3. Deleted transactions are marked Deleted.

4. A transaction that has partial approvals is marked Incomplete Approval, indicating that final

approvals must be applied before it can be released to the back office.

5. A transaction that meets high value payment criteria is marked High Value, indicating that extra

workflow steps must take place before it can be released.

6. A transaction that is rejected by a user during the approval process is marked Approver Rejected.

Such transactions are available for modification and correction but not for approval.

7. Once a transaction is completely approved, its status can move in one of the following directions:

o If it does not need an online rate, it is marked Approved and can be immediately processed for

release to the back office. If it is future dated, it remains warehoused in the application until the

current date equals the transaction date, at which time it is Submitted to Bank.

o If it needs a real-time exchange rate, it is marked Needs Rate and is made available for a Trade

operation. While the transaction is being traded, it is marked Trading. The transaction is marked

Approved after it is successfully traded.

8. When the transaction is successfully released to the back office, it is marked Submitted to Bank.

9. When an initial acknowledgment is received from the back office, the transaction is marked Acknowledged by Bank.

10. When a final confirmation is received, the transaction is marked Bank Confirmed, and any SWIFT

or Fed reference numbers associated with the confirmation screen are saved with the transaction.

The Bank Confirmed status is an endpoint of the workflow.

11. In the event that the transaction is rejected in the back office, it is marked Rejected. Any rejection

code or reason associated with the rejection message is stored with the transaction. The

Rejected status is an endpoint of the workflow.

Workflow States

The table below shows all payment workflow states.

Status Definition

Entered Entered without errors, ready for approval workflow. Can be modified or deleted.

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Incomplete Saved in an incomplete status, for later completion. Not available for

workflow. Can be modified or deleted.

Needs Repair Needs repair, usually due to an error in a file import validation.

Incomplete Approval Currently in approval workflow. Not available for modification or deletion.

High Value Requires secondary approval for high value payments. Not

available for modification or deletion.

Approved Approval workflow complete. Not available for modification or deletion.

Ready for extraction to back office.

Approver Rejected Rejected by approver. Not available for workflow. Can be modified or deleted.

Deleted Deleted. Not available for workflow or modification.

Import In Process Payments currently being imported are set to this temporary status and

cannot be modified, deleted or approved.

Export In Process Payments currently being extracted are set to this temporary status and

cannot be modified, deleted or approved.

Needs Rate Needs on online rate. Available for trading and unapproved status, but

cannot be modified or deleted.

Submitted to Bank Submitted to the back office. Not available for deletion or modification.

Acknowledged by Bank Received by the back office. Not available for deletion or modification.

Bank Confirmed Confirmed by the back office. Not available for deletion or modification.

Rejected Rejected by the back office. Not available for workflow, deletion, or modification.

Get an Exchange Rate and Trade Cross Currency Payments

The Get Rate and Trade functions allow you to initiate a request for a foreign exchange rate for a cross-

currency payment and complete an FX trade using the foreign exchange rate.

To request a foreign exchange rate:

1. From the Payments menu, select Payment

Management. The system displays the Payment

Management list.

2. From the View menu, select Needs Rate.

The payments that require an exchange rate appear.

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3. Check the payments that you would like to get an exchange rate for.

4. Click Get Rate at the bottom of the screen.

The system polls external systems for an exchange rate for the payments. When an exchange rate is

available, it is displayed in the Exchange Rate column.

To complete an FX trade using this rate:

5. Check the payments that you would like to trade.

6. Click Trade at the bottom of the screen.

The system displays the Contract ID in the Result column for each successfully traded payment.

Modify Payments

Payments in an Entered state can be modified from the Payment Management list.

Note

Your company may be configured so that payments cannot be modified after they are submitted.

To modify payments:



Management list.

2. Select a payment from the list.

3. Select the Modify option from the Action drop-down list.

4. Make the necessary changes.


Note



Import Payment and Template Data

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The import function allows you to import files to create or modify payments or templates. Files can be

imported using the individual payments or single file import method. When a file is imported using the

individual payments import method, when the import is complete, all of the payments will be listed on the

Payments Management list separately. Actions can be performed on each payment individually.

Note

You must have import in your role to access this function.

When a file is imported using the file import method, the payments are listed as a single line on the

payments management list. Actions can only be performed on the file, and not individual payments in

the file. This import method is typically used to manage payments in the application that were created

in external applications.

The types of files that can be imported include:

o NACHA formatted files

o Batch detail records

Wire Payments

Note

You can import files containing any of these payment types as either payments or templates. See

step 4 below.

To import Wire payments using the individual payments import method:



Management screen.

2. Click File Import.

3. In the Format Section, click the radio button for the format name that corresponds to the type of

file you would like to import. The Multiple format can be selected for files containing more than one

payment type.

4. Depending on the format you select and permissions, you may see the Import as field. Choose

Payments or Templates.

5. Depending on the format you select and permissions, you may see the Import Method field. Select

Individual Payments.

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6. Depending on the format you select and permissions, you may see the Make File Confidential

field.

7. If you want the payments to be imported as confidential, click the Yes, File will be confidential

radio button. In this case, only users with entitlements to confidential files will be able to view the

payments. Otherwise, click the No, Other users may be able to view or process file button.

Note

If a payment is imported as confidential, only users with permission to view confidential

information will be able to see detail audit information for the payment.

8. In the File Selection section, click the Browse or Choose File button, and browse to and select

the file you would like to import.


A message will appear at the top of the screen indicating that the file has been queued for import.

10. Check the status of the import by selecting File Import History from the Administration menu.

To Import Wire Payments using the File Import Method:


The system displays the Payment Management screen.


3. In the Format section, select the format name corresponding to the type of file you would like to

import. The Multi Payment format can be selected for files containing more than one payment type.

4. Depending on the format you select and permissions, you may see the Import Method field. Select

File for the Import Method field.

Depending on your assigned permissions, you may see the Make File Confidential field.

5. If you want the file to be imported as confidential, click Yes - Beneficiary / Receiver details will

only be visible to users with Confidential access. Otherwise, click No - All payment details will

be visible to all users.

Note

If a payment is imported as confidential, only users with permission to view confidential

information will be able to see detail audit information for the payment.

6. In the File Selection section, click the Browse or Choose File button, and browse to and select

the file you would like to import.




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NACHA Files

Importing a file in NACHA format to create ACH payments:



Management screen.


3. In the Format Section, select the NACHA File Import radio button.

4. In the Import as Confidential Payments section:

o If you do not want to import the payments as confidential (all users can access them), click No.

o If you want beneficiary details to be accessible only to users with permission to view confidential

transactions, click Yes.

5. In the File Selection section, click the Browse button, and browse to and select the file you would

like to import.




Detail Import

The detail import function allows you to import the transactions (detail records) for a batch payment or

template. You can create a new batch during a detail import, or you can modify the transactions in an

existing template.

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Before you can perform a detail import, an import map needs to be created. This is usually done by a

company administrator.

Note

Using detail import, you can import the transactions either as payments or as templates. See step 4

below.

To create a new batch during a detail import:



Management screen.


3. In the Format Section, select the radio button for the appropriate detail import format.

4. Select Payments or Templates for the Import as field.

Once you select Payments or Templates, the Payment Information section appears. This

section allows you to enter header information for the batch.

If you selected Import as Payments, the Create From field allows you to choose Manual Entry

to enter the header information manually or Template to populate the header information from a

template.

5. If you selected Manual Entry or you choose to import the file as templates, enter the required

header information, and skip to Step 8.

6. If you choose to populate the header information from a template, select the Template Name from

the list, or click the lookup button to select one.

After you select the template, the header information will populate with data from the template.

7. Enter any additional information in the Payment Information section.

8. In the File Section, click the Browse or Choose File button, and browse to and select the file

you would like to import.




To modify an existing template with detail import:


The system displays the Payment Center screen.

2. Scroll down to the Template List View.

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3. From the Actions menu, select View for the template you would like to modify.

4. On the detail screen, select File Import.

5. In the Format Section, select the radio button for the appropriate detail import format.

6. In the File section, click the Browse or Choose File button, and browse to and select the file you

would like to import.




Imported Files Needing Repair and Rejected Files

Imported files requiring repair will have the status of "Needs Repair" in the Payment Management list.

The payments in a file with this status can't be processed due to errors in fields required for straight-

through-processing (STP). The Repair option available from the Actions drop-down menu lets you

repair the fields that require adjustment. For information, see Repair Payments.

If an imported file is rejected for any reason, it will not appear in the Payment Management list. Check

the status of the import by selecting File Import History from the Administration menu.

Standard Import Format for Payments

The following sections list the standard import file formats for Transfers, Wire-Domestic, and Wire-

International Payments.

Standard Structure

Transfers, Wire-Domestic, and Wire-International Payments import files have the same basic structure.

Each file has a header, a body, and a trailer.

Header

The elements of the header are as follows:

1. A header indicator (the letter “H”).

2. The date (listed in YYYY/MM/DD format).

3. A unique ID used to identify the import

For example, the 3rd file imported on September 22, 2014 would have a header like this:

H, 20140922, 3

Body

The lines after the header in the file contain the details of the payments. Each field in the body of the

file is separated by a comma or other designated separator. Each row in the body section contains

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details for one payment.

The format for the fields in the body section depend on the file type. The format is defined in the

Format column of the table in the next section. A key to the format column is included below.

Nx – Number with maximum length X, for example N(3)

Nx.y – Number with x digits maximum before decimal, Y digits after. For example, N(18,2)

Cx – Any printable character with maximum length, x. For example, C34.

Trailer

The trailer indicator (the letter “T”) follows the body section. The trailer section is used for additional data

that may be relevant to the financial institution.

Import File Example

The example below shows an example delimited import file, in this case an international wire. The file

contains a header (H,20140910,218), a series of transaction information, and a trailer indicator

H,20140910,218,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,

INT,20140910,100,CUSTREF,USD,1122334452,100,,,Lytham

Properties,Other,876545678,,,,,GB,ASSOCIATION ADMINISTRATIVE

AGRR,SWIFT,AAAGFRP1XXX,LINE1,Line2,city,country,SHA,paydetail1,paydetails2,paydetail3,paydet

ails4,ASSET ALLOCATION ADVISORS

SA,SWIFT,AAADFRP1XXX,LINE1,LINE2,CITY,COUNTRY,COMMENTS,LINE1,LINE2,LINE3,Line 4,,,,,,,,

T,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,

Multiple Payment Types in a Single File

A payment file can contain multiple payment types. Each line of the body of the file should be

formatted according to the rules for that type.

NACHA Payments

The following table lists all fields and formats for NACHA formatted payments. The Body section

contains a key to the Format column.

Sequence

Field Name

Format

Formatting

Mandatory/

Optional

Validation by Mapper

1 Payment Type Key Field

2 Value Date YYYMMDD M Must be valid date in specified

format >= to today

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3 Payment

Amount

N18.2 O Must have decimal point and

numbers only and have less than 18

significant figures

4 Batch

Description

C10 O Length Only

5 Debit Identifier C1 M Must be an "A" or a "C"

6 Debit Account C34 M Length Only

Sequence

Field Name

Format

Formatting

Mandatory/

Optional


6A Company ID C10 M Length Only

6B ACH Company

Name

C22 M Length Only

7 Descriptive Date C6 O Length Only

8 Receiving

Company ID

C10 O

9 Beneficiary Name

(Receiving

Company Name)

C35

M Length Only

10 Beneficiary

Account Number

(Receiving

Company

Account)

C34 M Length Only

11 Beneficiary

Account Type

(Receiving

Company

Account Type)

C1 M "C" or "S"

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12 Beneficiary Bank

ABA

(Receiving

Company ABA)

C9 M Length Only

13 Addenda Type C8 O Length Only

14 Addenda C80 O Length Only

15 Comments C140 O Length Only

Transfers

The table below shows the format for importing Transfers. These files also contain a header and trailer

section. See Header and Trailer for more information. The Body section contains a key to the Format

column.

Sequence

Field Name

Format

Formatting

Mandatory/

Optional


1 Payment

Type

AT Key Field

2 Value Date YYYMMDD M Must be valid date in specified format >=

to today

3 Credit

Amount

N18.3 M Must have decimal point and numbers only

and have less than 18 significant figures

4 Customer

Referenc

e

C16 O Length Only

5 Debit

Account

C34 M Length Only

6 Debit

Amount

N18.3 O Must have decimal point and numbers only

and have less than 18 significant figures

7 FX

Exchange

Rate

N10 O Must have less than 10 significant figures

with decimal point

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8 FX Contract

ID

C16 O Length Only

9 Credit

Account

C34 M Length Only

10 Payment

Details Line

1

C35 O Length Only

11 Payment C35 O Length Only

Sequence

Field Name

Format

Formatting

Mandatory/

Optional


Details Line

2

12 Payment

Details Line

3

C35 O Length Only

13 Payment

Details Line

4

C35 O Length Only


Wire - Domestic Payments

The table below shows the format for importing Wire - Domestic Payments. These files also contain a

header and trailer section. See Header and Trailer for more information. The Body section contains a

key to the Format column.

Sequence

Field Name

Format

Formatting

Mandatory/

Optional


1 Payment Type USWIRE Key Field

2 Value Date YYYMMDD M Must be valid date in specified format

>= to today

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3 Payment

Amount

N18.2 M Must have decimal point and


significant figures

4 Customer

Referenc

e

C16 O Length Only


6 Beneficiary

Name

C35 M Length Only

7 Beneficiary

Account Type

C6 M Length Only

8 Beneficiary

Account

Number

C34 M Length Only

9 Beneficiary

Address Line 1

C35 M Length Only

10 Beneficiary

Address Line 2

C35 O Length Only

11 Beneficiary City C35 O Length Only

12 Beneficiary

Postal Code

C15 O Length Only

13 Beneficiary

Country

C2 O Must be valid ISO Country Code

Sequence

Field Name

Format

Formatting

Mandatory/

Optional


14 Beneficiary Bank

Name

C35 O Length Only

15 Beneficiary Bank

ID Type

C6 O Length Only

16 Beneficiary Bank

ID

C35 O Length Only

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17 Beneficiary Bank

Address Line 1

C35 O Length Only

18 Beneficiary Bank

Address Line 2

C35 O Length Only

19 Beneficiary Bank

City

C35 O Length Only

20 Beneficiary Bank

Country


21 Charges C3 O Length Only

22 Payment Details

Line 1

C35 O Length Only

23 Payment Details

Line 2

C35 O Length Only

24 Payment Details

Line 3

C35 O Length Only

25 Payment Details

Line 4

C35 O Length Only

26 Intermediary

Bank Name

C35 O Length Only

27 Intermediary

Bank ID Type

C6 O Length Only

28 Intermediary

Bank ID

C34 O Length Only

Sequence

Field Name

Format

Formatting

Mandatory/

Optional


29 Intermediary

Bank Address

Line 1

C35 O Length Only

30 Intermediary

Bank Address

Line 2

C35 O Length Only

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31 Intermediary

Bank City

C35 O Length Only

32 Intermediary

Bank Country



34 Bank to Bank

Instructions Line

1

C35 O Length Only

35 Bank to Bank

Instructions Line

2

C35 O Length Only

36 Bank to Bank

Instructions Line

3

C35 O Length Only

37 Bank to Bank

Instructions Line

4

C35 O Length Only

38 Originator ID

Type

C6 O Length Only

39 Originator ID C35 O Length Only

40 Originator Name C35 O Length Only

41 Originator

Address 1

C35 O Length Only

Sequence

Field Name

Format

Formatting

Mandatory/

Optional


42 Originator

Address 2

C35 O Length Only

43 Originator Postal

Code

C15 O Length Only

44 Originator

Country

C2 O Must be valid ISO Country Code if

used

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Wire - International Payments

The table below shows the format for importing Wire - International Payments. These files also contain a

header and trailer section. See Header and Trailer for more information. The Body section contains a key

to the Format column.

Sequence

Field Name

Format

Formatting

Mandatory/

Optional


1 Payment Type INT Key Field

2 Value Date YYYMMDD M Must be valid date in specified format

>= to today

3 Payment

Amount

N18.2 M Must have decimal point and


significant figures

4 Customer

Referenc

e

C16 O Length Only

5 Payment

Currency

C3 M Must be valid ISO Currency Code


7 Debit Amount N18.3 Must have decimal point and


significant figures

8 FX Exchange N10 Must have less than 10 significant

Sequence

Field Name

Format

Formatting

Mandatory/

Optional


Rate figures with decimal point

9 FX Contract ID C16 O Length Only

10 Beneficiary

Name

C35 M Length Only

11 Beneficiary

Account Type

C6 M Length Only

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12 Beneficiary

Account

Number

C34 M Length Only

13 Beneficiary

Address Line 1

C35 M Length Only

14 Beneficiary

Address Line 2

C35 O Length Only

15 Beneficiary City C35 O Length Only

16 Beneficiary

Postal Code

C15 O Length Only

17 Beneficiary

Country


18 Beneficiary Bank

Name

C35 O Length Only

19 Beneficiary Bank

ID Type

C6 O Length Only

20 Beneficiary Bank

ID

C35 O Length Only

21 Beneficiary Bank

Address Line 1

C35 O Length Only

22 Beneficiary Bank

Address Line 2

C35 O Length Only

Sequence

Field Name

Format

Formatting

Mandatory/

Optional


23 Beneficiary Bank

City

C35 O Length Only

24 Beneficiary Bank

Country


25 Charges C3 O Length Only

26 Payment Details

Line 1

C35 O Length Only

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27 Payment Details

Line 2

C35 O Length Only

28 Payment Details

Line 3

C35 O Length Only

29 Payment Details

Line 4

C35 O Length Only

30 Intermediary

Bank Name

C35 O Length Only

31 Intermediary

Bank ID Type

C6 O Length Only

32 Intermediary

Bank ID

C34 O Length Only

33 Intermediary

Bank Address

Line 1

C35 O Length Only

34 Intermediary

Bank Address

Line 2

C35 O Length Only

35 Intermediary

Bank City

C35 O Length Only

36 Intermediary

Bank Country


Sequence

Field Name

Format

Formatting

Mandatory/

Optional



38 Bank to Bank

Instructions Line

1

C35 O Length Only

39 Bank to Bank

Instructions Line

2

C35 O Length Only

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40 Bank to Bank

Instructions Line

3

C35 O Length Only

41 Bank to Bank

Instructions Line

4

C35 O Length Only

42 Originator ID

Type

C6 O Length Only

43 Originator ID C35 O Length Only

44 Originator Name C35 O Length Only

45 Originator

Address 1

C35 O Length Only

46 Originator

Address 2

C35 O Length Only

47 Originator Postal

Code

C15 O Length Only

48 Originator

Country

C2 O Must be valid ISO Country Code if

used

Repair Payments

The Repair Payment function allows you to repair payments which were imported from a file and could

not be processed. For example, the payment shown below needs repair because the chosen value

date is invalid.

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Note

Client users can be entitled to modify an imported payment or template that is in Needs Repair

status. This action allows users to update existing records in the payment; users won't be able to add

or delete records to a batch. Users will be able only to modify the Value Date and Amount fields

using the Repair action.

To repair a payment:



Management List.

2. Select a payment from the list.

3. Select the Repair option from the Actions drop-down list.

4. Make the necessary changes.

5. Click Submit.

Note



Reject Payments

Payments in Entered status can be rejected from the Payment Management list.

To reject payments:


2. Select the check box for the payments you would like to reject.

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3. Click Reject.

4. Enter the reason for the rejection.

5. Click OK.

Notes

o To view the details of a payment before rejecting it, select View from the Actions menu on the

Payments Management list. You can then select Reject on the Payment Detail screen.

o You can also reject a single payment by selecting Reject on the Actions drop-down list.

Scheduling a Payment

The schedule payment feature lets you schedule recurring payments. Recurring payments are created

from payment templates.

To schedule a recurring payment:

1. Select the template you want to create a recurring payment from, and with the Action drop-down,

select Schedule.

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The Schedule Payment screen appears.

2. In the Recurrence Pattern section, click the radio button corresponding to how often you want the

payment to be created:

o Daily

o Weekly

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o Monthly

o Yearly

3. Do one of the following:

o If you choose Daily, click the Every radio button and enter a number of days for the payment to

occur—for example, every 3 days.

OR click the Every Business Day button.

o If you choose Weekly, in the Recur every week(s) on field, enter a number of weeks for the

payment to occur, and then check the checkbox for the day of the week you want the payment

to occur—for example, every 2 weeks on Friday.

o If you choose Monthly, click the Day radio button, and enter a day of the month, and in the of

every month(s) field, enter a number of months over which the payments should

occur—Day 1 of every 3rd Month.

OR click the second radio button, and then use the drop-down to select the exact day on which

you want payments to occur—for example, The Second Wednesday of every 1 Month.

o If you choose Yearly, click the first radio button, and use the drop-downs to select a day and

month of the year—for example, the Third Weekday of January.

OR click the second radio button, and select the exact date for payment—for example,

January 1.

4. The first field in the Range of Recurrence section will vary based on payment type. Use the

calendar pop-up to select a date.

o The Schedule Starting Date field indicates the date that the schedule will become active.

o The Effective Date field indicates the value date of the first payment.

5. (optional) Do one of the following:

o Click the End after radio button, and enter a number of occurrences for the recurring payment.

o Click the Schedule Ending Date or Ending Effective Date radio button, and use the calendar

pop-up to select an end date.

o The Schedule Ending Date field indicates the date that the schedule will stop processing.

o The Ending Effective Date field indicates the last possible value date a payment can

be created.

6. In the Payment Settings area, use the Creation Time drop-down to select a time of day for

creating the payment. This field does not appear for certain payment types.

7. (optional) Select an action to take if an effective date falls on non-business day such as a weekend or

holiday.

8. When you have finished, click Save.

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Notes

o When payments are created from a schedule, they still need to be approved (unless the user

who created the schedule has auto-approval permission in his or her role).

o ACH and Wire scheduled/recurring payments must also pass a ROOBA challenge before

being submitted to the bank for processing.

o If a failure occurs while you are creating a scheduled payment, note that the Recurring

Payment Exceptions widget displays each failure (exception) along with a reason.

Templates

In order to create payments more efficiently, you can create templates that contain commonly used

payment information. Payments can then be made from these templates, saving time and improving

efficiency. Templates are managed from a consolidated, single view. Templates can be created for all

payment types.

To navigate to the Templates list:


2. On the Payment Center screen, scroll down to the Template List View widget.

The Templates list contains the following default columns:

1. Template Name – The name of the template

2. Beneficiary – The beneficiary or payee of the payment. “Multi” is listed in this column if the

payment is a multiple beneficiary batch payment (ACH/Global EFT)

3. From Account – The account the payment is made from (debit account)

4. Payment Type – The payment type of the payment

5. Amount – The amount of the payment

6. CCY – The currency of the payment.

o For ACH this is the origination currency.

o For Wires, this is the transaction currency

7. Credit/Debit – Indicates whether the payment is a debit, credit, or a mixed batch

8. Last Modified By – The name of the system user who last modified the template

9. Modified Date – The date when the template was last modified

10. Status – Available template statuses include Entered, Approved, Rejected

Additional columns can be displayed by clicking the Adding or Removing Columns link. These include the

following:

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o Debit Amount – Amount debited from the From account

o Debit CCY - For wires, the currency of the account debited. For ACH, this is the origination

currency.

o Debit Account Number – Number of the account debited

o Debit Account Name – Name of the account debited

o Credit Amount – Amount credited

o Credit CCY – For wires, this is the currency of the credited amount. For ACH, this is the destination

currency.

o Exchange Rate – Exchange rate used for mixed-currency transactions

o Beneficiary Account – Account of the beneficiary

o Beneficiary ID – ID of the beneficiary of the transaction

o Beneficiary Bank ID – ID of the beneficiary's bank

o Beneficiary Bank Name - Name of the beneficiary's bank

o Result – The result when the system tries to get a rate for a transaction or complete a trade

o By Order Of Account Number / Company ID – For ACH payments, the account number or ID of

the ACH company

o By Order Of Name / Company Name – For ACH payments, the legal name of the ACH company

o Created By – User who created the template

o Creation Date – Date the template was created

o Last Approver – User who was the last approver of the transaction

o Last Action Time – Last time when any action (for example, Unapprove) was performed

o Company – Company of the creator of the template

o Instructions – Any optional instructions entered with the original payment

o Clearing Method – Clearing method used with ACH and Global EFT payments (for example,

NACHA)

o Payment Identifier – Unique ID associated with the payment

o File Name – If the template was created from an imported file, the name of the file

From the Templates screen, a user can create and view a template; for details see the Create a Template

and View Templates topics. A user can also modify, delete, approve, or unapprove a template from the

Templates screen. For information, see Working with Lists.

Create a Template

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You can create a template the following ways:

o Create a freeform template

o Create a template from a payment

You can also import a file and use the import as the basis of a template.

If templates are deleted from the Template List View, users will see an option through the Actions dropdown to Restore the template.

Create a Freeform Template

To create a freeform template:



A list of your existing wire templates will appear on the Template List View.

3. Click Add a New Template.

4. Select a Template Type from the drop-down.

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5. If necessary, select the Template Sub Type (used for some batch payments).

Notes

o The Create Template screen will vary based on the Payment Type selected.

o For information on completing fields for the different payment types, see the appropriate

subtopics under the Creating Payments topic.

o For information on entering or selecting Beneficiary information, see Common Functions for

Batch Payments.

6. Click Continue.

7. Enter a Template Code (a descriptive name for the template) and Template Description.

8. If you want the template to only be visible to users who are explicitly entitled to it, check the

Restrict check box.

9. Complete the required and necessary optional fields.

Notes

o The Create Template screen will vary based on the Payment Type selected.

o For information on completing fields for the different payment types, see the appropriate

subtopics under the Creating Payments topic.

o For information on entering or selecting Beneficiary information, see Common Functions

for Batch Payments.

10. Click Submit to submit the template for approval or Save for Later to save a draft of the template.

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A template must be approved before it is can be used to create a payment. Templates can be

approved from the Template Management list. See Working with Lists for more information.

Create a Template from a Payment

You can create a template from a payment from the Payment Management list.

To create a template from a payment:

1. Select the Payment Management option from the Menu.

2. Select the Copy As Template option from the Actions drop-down list for the payment you would

like to copy.

Note

A payment has to be in approved (AP) status for this option to display.

3. Make any necessary changes to the template

4. Click Submit to submit the template for approval or Save for Later to save a draft of the template.



A template must be approved before it is can be used to create a payment. Templates can be

approved from the Template Management list. See Working with Lists for more information.

Copy as Template or Payment

From the Payment Templates list view, you can copy an existing template as a new payment or

template.



3. Select an item on the list.

4. Select Copy as Payment or Copy a Template on the Action drop-down list. A template must be in

approved status to be copied.

The system displays a create screen containing information copied from the original template. If you have chosen Copy a Template, enter a Template Code (a descriptive name for the template) and Template Description.

5. Make changes as needed.

6. Click Submit to submit the payment/template.

After the payment or template is submitted or saved, a message will appear at the top of the screen

indicating whether it was submitted or saved successfully or if it has any errors. See Confirmation

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and Error Messages for additional information.

A payment or template must be approved before it is sent to the beneficiary.

o Templates can be approved from the Template Management list.

o Payments can be approved from the Payment Management list.

See Working with Lists for more information.

Update a Template Through File Import

In many cases, beneficiary details come from a system outside of Digital Banking, and those details are

imported into templates for payment processing. If there is a change to the details, such as changes to a

beneficiary bank or to a child support agency, the beneficiary data needs to be updated. However,

modifications made by hand could lead to errors in data entry.

To eliminate this problem, Digital Banking allows you to update an ACH template through file import.

Note

All NACHA payment types are supported except for corporate trade exchange and international

ACH payments. Also, the template you want to update must not be in Deleted status.

To update a template through file import:



3. Select an item on the list.

4. Select Modify via file import on the Action drop-down list. A template must be in approved status to

be copied.

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5. In the Format Section, click the radio button next to the desired import format. If only one format is

available, you will still have to click the radio button.

6. In the File Section, click Browse to search for and select the appropriate import file.

Note

If you make mistakes in selecting, click Refresh, and begin the selection process again.


The system imports the file. If errors are encountered during the import update, they will be listed in

the File Import History on the Administration and Settings menu. The updated template will then be

in Needs Repair status.

Payment Template Groups

A payment template group is a set of one or more templates that can be used to make payments.

Payment Template Groups can have both Wire and batch templates; however, they cannot contain a

multi-beneficiary template or a tax payment template.

o Create a payment template group

Create a Payment Template Group

To create a template group:



3. Click the Manage Template Groups link at the top of the widget.

The system displays the Manage Template Groups screen.

4. Click Add Template Group.

5. Enter a template group name and description for the new group.

6. In the Available items column, check the checkboxes corresponding to the templates you want to

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assign to the group.

7. Click Use Selected Item.

8. Click Move selected items to move these templates to the Selected Items column. To select

and move all available templates to Selected Items, click Move all items.

9. Click Save.

The new group appears in the Manage Template Groups list.

Stop Payments

Creating a place stop from the check inquiry screen allows you to view the most current check data

from the bank.

To place a stop payment on a check:

1. Select Stop Payments from the Payments menu. The system displays the Stop Payments screen.

2. Click Add New Stop Request.

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The Stop Payment Request screen appears.

3. Enter check detail information. Use the drop-down to select the From Account.

After selecting the From Account, the Account Name should populate.

4. (optional) Enter a Memo if necessary.

5. Enter the serial number of the check you want to stop payment on.

6. (optional) Enter the amount of the payment.

7. (optional) Use the calendar icon to select an Issue/Void Date.

8. (optional) If necessary, enter a Payee Name.

9. (optional) Use the Reason drop-down to select a reason for the stop—for example, Insufficient

Funds.

10. The Stop Duration drop-down is set to 6 months.

11. Click Save.

Notes

o You can stop a range of checks by entering a beginning check number in the Serial Number field

and an ending check number in the To field (which becomes active after a number has been

entered into the Serial Number field). When a check range is entered, the Amount, Check

Issue Date, and Payee Name fields will be unavailable for modification. The maximum number of

checks for a range is 50 items.

o Stop payment(s) may require additional approval.

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Approving a Stop Request

You can approve a stop request from either the Check Management screen or the Stop Payments

screen. For information, see Working with Lists and Working in Detail Screens.

Cancel Stop

To cancel a stop payment:

1. Select Stop Payments from the Payments menu.

2. On the Stop Payments screen, click Add Cancel Stop

Request. The system displays the Cancel Stop Payment

Request screen.

3. Use the drop-down to select the From Account.


4. (optional) Enter a Memo if necessary.

5. Enter the serial number or range of numbers of the check(s) you want to stop payment on.

6. Enter an amount, if you are entering the serial number of a single check.

7. Click Save.

Approving a Cancel Stop Request

You can approve a cancel stop request from either the Check Management screen or the Cancel Stop

screen. For information, see Working with Lists and Working in Detail Screens.

Check Inquiry

The check inquiry function retrieves information about checks. Depending on the status of a check you

inquire about, you can carry out various actions on those checks. For example, a check that comes back

with a status of outstanding can be stopped. When performing a search over multiple days, 500 items

will be returned at one time. When performing a search over one day, all items will be returned.

To perform a check inquiry:

1. Select Check Inquiry from the Payments menu.

The system displays the Create Check Inquiry screen.

2. Select the check inquiry type. Available options are Checks Stopped, Checks Paid, and Checks Outstanding.

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3. Select an account number to search.

4. You must also select one additional criterion to filter on. Click the + icon to expand a filter section

and select additional criteria.

5. When you have entered the necessary filter criteria, click Search.

The results of your inquiry appears at the bottom of the screen. The list contains checks that match

your filter criteria.

Check Inquiry Results

The Check Inquiry list displays the following information for each item listed:

o status*

o Serial Number (including a range if available)

o Amount

o date when the check was paid or stopped

o Issue Date

o Payee Name

*Each displayed item can have one of four statuses:

o Paid: The item has cleared the bank.

o Stopped: The item has been stopped and has not been paid.

o Not Found: There is no record of this item at the bank.

o Outstanding: There is a record of the item at the bank. The item has not been paid nor has it

been stopped. This is typically an issuance.

Actions

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The Actions drop-down will offer different options depending on the status of the individual item:

o Cancel Stop: Available for items where status = stopped. Opens the Cancel Stop screen.

o Place Stop: Available for items where status = not found or outstanding. Opens the Place Stop

screen.

o View: Available for paid items. If a document image is available, the user can view the image from

this screen.

Note

The Filter and Advanced filter options on the Check Inquiry list will filter the list of results already

returned by the bank. These options will not return new or modified results from the bank system.

Only Positive Pay clients will have items return for viewing within the Checks Outstanding inquiry search.

Non-Positive Pay clients will see items as “not found”.

Positive Pay

The Positive Pay workspace provides visibility to the status of all issued checks and provides controls

against the threat of check fraud. To access Positive Pay functions, click the icon in the main menu:

The Positive Pay module allows you to

o View Decisions for Checks

o Decision Suspect Items

o Create Check Issue/Voids

Positive Pay

The Positive Pay screen displays all check transactions that the bank identifies as suspect, as well as

allows you to view a decision history for each of them. Based on the information displayed for each

item, you can decide which items to pay or return.

To make a decision on suspect payments:

1. Select Positive Pay from the Positive Pay menu.

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2. On the Positive Pay screen, click View Today's Decisions for the chosen account.

The screen displays the following information about each suspect item:

o Account Number

o Account Name

o Items o Pay: Items paid

o Return: Items returned

o Status

o Cutoff Time

From Positive Pay, you can perform the following actions:

o View Today's Decisions (Positive Pay Decisioning)

o View Decision History

Positive Pay Control Decisioning

Through Positive Pay, the bank actively monitors your checking accounts for suspicious activity. The

fraud control process begins with a check issue file, which your company provides to the bank. The

bank reconciles your account by matching incoming checks against the issuance file. Any checks that

are considered suspect by the bank are loaded into the application and can be displayed on the

Positive Pay Decisioning screen. You then review each suspect check and decide whether the check

should be paid or returned.

The Positive Pay screen includes a variety of information for each account, including the number of

suspect items for the account, the cutoff time set by the bank, and the Status of decisions. Note this

cutoff time so that decisions are made in a timely manner.

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Next Day Positive Pay – Exceptions are loaded to iTreasury by 9:30 AM CT. Pay / No Pay decisions must be submitted by 2:00 PM CT on the same day.

Same Day Positive – Exceptions are loaded to iTreasury by 3:30 PM CT. Pay / No Pay decisions must be submitted by 2:00 PM CT the next business day (business day following posting).

Reverse Positive Pay – Exceptions are loaded to iTreasury by 9:30 AM CT (inclusive of Fed items but not teller line items). Pay / No Pay decisions must be submitted by 2:00 PM CT on the same day.

A Positive Pay alert can also be configured to alert you when a suspect file is available for decisioning.

For information on creating an alert, see Alert Settings for Check Management.

To view today's positive pay decisions:

1. Select Positive Pay from the Positive Pay menu. The system displays

the Positive Pay screen.

2. Do one of the following:

o Locate the account number you want to make decisions for.

o Enter or select from the following filter criteria:

o Account Number

o Account Name

o Items

o Returns

o Status

o Cutoff Time

3. When you have finished selecting criteria, click Apply.

4. Click View Today's Decisions for the chosen account.

The Positive Pay Decisioning screen appears; it lists all of the suspect items for the chosen

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account for the current day.

For each listed suspect item, the Positive Pay Decisioning screen displays the following:

o Serial Number

o Paid Date

o Paid Amount

o Payee Name

o Issue Date

o Issue Amount: Total amount in the debited account

o Bank Reason

o Decision

o Return Reason

o Status

o Account Number

o Bank Code

Note

If you want to view only those suspect items that require a decision, use the filter drop-down at the right

of the screen to select Needs Decision.

Only those items currently without a status, and therefore requiring a decision, will appear.

Viewing a Suspect Transaction

To view details of a suspect item in the list:

o Click the down arrow for the item, and from the drop-down, select View.

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Actions for Suspect Transactions

From the Item Detail screen, you can choose to pay the item, pay and issue the item, or return it by

using the Actions drop-down or the buttons at the bottom of the screen. For information, see Working

in Details Screens.

You can also pay, pay and issue, or return items from the Positive Pay Decisioning screen. Use the

buttons at the bottom of the screen.

Approving/Unapproving a Suspect Transaction

You can approve a suspect transaction from Positive Pay Decisions screen. For information, see

Working with Lists.

Viewing Decision History

You can see past decisions made for each account listed in the Positive Pay screen.

To see decision history for a listed account:

1. Select Positive Pay from the Positive Pay menu. The system displays

the Positive Pay screen.

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2. Select View Decision History from the Actions drop-down.

The system displays the Decision History screen.

3. Enter or select from the following filter criteria:

o Decision Date

o Serial Number

o Issue Amount

o Payee Name

o Bank Reason

o Decision: Select either Pay or Return.

o Return Reason: Select from the list—for example, Duplicate.

o Issue Date

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o Account Number

o Bank Codes

4. When you have finished selecting criteria, click Search.

The Positive Pay section appears at the bottom of the screen, listing past decisions for the chosen

account.

Approve/Unapprove

Many items require approval when they are entered or modified. Items that need approval will usually

have a status of Entered or Modified (shown in the Status column of the list). To approve an item,

click or select Approve in the Actions column. You can also approve multiple items at one time by

checking the appropriate checkboxes and clicking the Approve button.

In addition, if the Unapprove option is available, you can unapprove any items that were approved in

error.

If you attempt to approve/unapprove an item or items, a confirmation screen may appear telling you that

some of the selected items are not eligible.

Click Yes to continue; otherwise click No.

Check Issue Management

Check Issue Management appears at the bottom of the Positive Pay screen. Check Issue

Management lists all check issues and voids created in the system, as well as ones imported into the

system.

To view check issues and voids:

o Select Positive Pay from the Positive Pay menu, and scroll to the bottom of the screen.

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The screen displays the following information about each check entry:

o Type: For example, Check Issue, Place Stop

o From Account o Serial Number, including a range if available

o Issue Amount

o Date

o Memo, if available

o Entered By

o Payee Name

o Status

o Entry Method

o Job ID

o Entered By

From the Check Issue/Voids list, you can perform a number of operations on listed items, including

viewing, editing, modifying, approving, and deleting. For more information, see Working with Lists.

Creating Check Issues/Voids

The Check Issue/Voids function allows you to submit a check issue/void.

To create a check entry:

1. Select Positive Pay from the Positive Pay menu, and navigate to the Check Issue

Management widget.

2. Click Add Check Issue/Void.

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3. Use the drop-down to select the From Account.


4. Enter a Memo if necessary.

5. Click the Issue or Void radio button.

6. Enter the Serial Number of the check you would like to issue or void.

7. Enter an Amount. This field is optional for voids.

8. Use the calendar icon to select an Issue/Void Date. This field is optional for voids.

9. If necessary, enter a Payee Name. This field is optional for voids.

10. Click Save.

Approving a Check Issue/Void

You can approve a check issue/void transaction from either the Check Issue Management screen or

the Check Issue/Void Detail screen. For information on approving a manually entered check

issue/void, see Working with Lists and Working in Detail Screens.

Filtering Check Issues/Voids by Job ID

If the check/issue void was imported rather than manually entered, that will be reflected in the Entry

Method column of the Check Issue Management widget. The Job ID column will note the ID of the

imported file; it is a hyperlink that lets you filter the grid. Click it to see only check issue/voids associated

with that imported file.

To filter by job ID:

o In the Check Issue Management widget, scroll to the Job ID column, and click the ID to filter the

grid.

The grid displays only check issue/voids contained in that imported file.

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Viewing Imported Files

To view the list of imported files:

1. Select Positive Pay from the Positive Pay menu, and navigate to the Check Issue

Management widget.

2. Click Imported Files.

The Imported Files list displays the following information about each file:

o Job ID

o Import Date

o File Name

o Number of Items

o Total Amount

o Number of Issues

o Total Amount of Issues

o Number of Voids

o Total Void Amount o Status: Imported or Rejected

o Company ID

o Company Name

The Status column notes whether the file was successfully imported. If the import was a success, the

status is listed as Imported. If the import was not successful, the status is listed as Rejected. Click View

to see the details of any file, including rejected ones.

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You will be able to see the reason the records in the import were rejected.

Approving an Imported File

If a file was imported successfully, you can approve it.

Note

Approving or deleting an imported check issues/voids file approves or deletes all records in the file.

To approve an imported file:

1. Select Positive Pay from the Positive Pay menu, and scroll to the bottom of the screen.

2. Click Imported Files.

3. If you want to view details of the imported file before approval, click View.

Selecting View on the Imported Files tab takes you to the Check Issues/Voids tab, where the list

view is filtered by the job ID of that import file.

4. To approve the file, click Approve.

5. To return to the list of check issues and voids, click the Check Issues/Voids link at the top of the

widget.

Note

Once an item in a file is either approved or deleted, then the entire file may not be approved or

deleted from the Imported Files tab.

Import a Check Issue/Void

The Fraud/Risk Management module allows you to import a check issue file into the database. You

may choose to upload a fixed-width or a comma delimited file format.

The following tables show the standard bank-defined file layouts, but not that you can also create

custom check issues/voids import maps. See the Import Map topic.

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Fixed-width Format

Field Name Start Stop Length Type Comment

Bank Code 1 8 8

ABA 9 17 9 Num

Account Number 18 51 34 Char

Issue/ Void

Indicator

52 52 1 Char "V" for void /"I" for issue

Check Amount 53 63 11 Num Zero filled, right justified, implied decimal

Field Name Start Stop Length Type Comment

point

Issue/Void Date 64 71 8 Date MMDDYYYY

Check Number 72 81 10 Num Zero filled, right justified

Issue Payee Name 82 161 80 Char

Comma-delimited Format

Field Name Length Type Comment

Bank Code 8

ABA 9 Num

Account Number 34 Char

Issue/ Void Indicator 1 Char "V" for void /"I" for issue

Check Amount 11 Num Zero filled, right justified, implied decimal point

Issue/Void Date 8 Date MMDDYYYY

Check Number 10 Num Zero filled, right justified

Issue Payee Name 80 Char

To import a check issue file:

1. Select Positive Pay from the Positive Pay menu, and scroll to the Check Issue Management

widget.

2. Select Import Check Issue/Void File.

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The system displays the File Import screen.

3. Select the file format to be used.

4. Browse to and select the file that you want to import.


A message appears telling you that the file has been queued for import. You are taken to the

Imported Files tab of the Check Issue Management widget; there you can see the status of the file.

6. The imported check issue file has to be approved from this screen. To view the individual items in

the import file before approval, in the Actions column, select View.

Approving or Deleting an Imported Check Issue File

To approve an item, select Approve in the Actions column, OR check the corresponding checkbox,

and then click Approve.

You can also delete an item by selecting Delete in the Actions column or clicking the Delete button.

Note

Once an item in a file is either approved or deleted, then the entire file may not be approved or

deleted from the Imported Files tab.

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Reporting

The Reporting menu allows you to access a variety of information via a series of reports. The available

bodies of information are included in the following groups of reports:

o Balance and Transaction Reporting

o Download

o Report Management

o Special Reports

o Online Statements Search

o Wire Transaction Report

o Image Search

For information on working in report screens, see Working with Reports.

Account Summary Widget

The Account Summary widget lists the balances of the accounts that you have permission to see. You

can also access the transaction details and account statement reports from this widget.

To view the Account Summary:

1. Select Balance and Transaction Reporting from the Reporting menu.

The system displays the Balance and Transaction Reporting - Account Summary screen.

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The screen lists two types of accounts:

Deposit Accounts: Lists all available deposit accounts and the opening ledger and current available

balances in the default currency. The screen shows the date when balances were last updated.

Note

Depending on system configuration, the totals shown in the header section reflect either the

items appearing on the current page OR all items in all accounts to which the user is permitted

access.

Contact your administrator if you are unsure which totals should appear.

Loans and Lines of Credit: All accounts listed by account number.

Note

The totals shown in the header section reflect only the items appearing on the current page. If

there is more than a single page of data, the totals reflect only Page 1 of the listed data.

o Deposit Accounts: Lists all available deposit accounts and the opening ledger and current

available balances in the default currency. The screen shows the date when balances were

last updated.

o Loans and Lines of Credit: All accounts listed by account number.

2. To see transaction details for an account, click the account name. From the transaction details screen, users can see real time balances and transactions. Selecting View Another Account allows users to toggle between accounts without navigating back to the main Account Summary list.

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Filtering Transaction Details by Date

To filter transactions:

1. Click the View drop-down at the upper-right side of the screen.

2. Select the date or range you want to filter by:

o Last 30 Days

o Last 7 Days

o Previous Business Day

o Today

3. To save the resulting view for future use, with the View drop-down, select Save View.

Updating Balances

You can update balances by clicking the Refresh Balances link at the top of the Balance and Transaction

Reporting Account Summary widget.

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Adding Additional Columns

See the Adding or Removing Columns topic for information on adding additional columns on the

screen, such as current ledger, opening available, total float, 0-day float, 1-day float, float adjustment,

2 or more days float, and 3 or more days float.

Exporting Balance and Transaction Data

You can export either summary and balance information or transaction information.

To export information:

1. Click Export.

2. If necessary, select the appropriate export options and click Export.

3. Save the file to the desired location. Specific steps vary by browser.

Transaction Detail Screen

The Transaction Details screen is accessed by clicking the account name on the Account Summary

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Widget. This screen displays detailed account information. If transaction details are too long to fit in the

columns displayed on the screen, you view the entire detail by hovering over the displayed detail with

the mouse.

Viewing Transaction Images

Some transactions have images associated with them, such as images of deposit slips or cleared

checks. To view images, an account must be set up by the bank administrator to permit image viewing.

To view a transaction image:

1. Slide the horizontal navigation bar to the left until you see the Image column. If the transaction has

an associated image, an image icon will be displayed.

2. Click the icon to view the image.

3. Controls below the image allow you to flip or rotate it, as well as zoom in or o ut.

4. To save the image to file, click

5. To print the image, click

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To view items associated with a deposit:

o If a deposit contains multiple items, these associated items will appear in a list below the displayed

deposit ticket image.

Note

In order for you to see the list of multiple items associated with a deposit, the selected account

must be enabled for viewing the Deposit Item List.

o To view an associated item, select it in the list, and click View.

o Again, controls below the image allow you to flip or rotate it, as well as zoom in or out.

o To save the image to file, click

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o To print the image, click

Combined View

The combined view combines the information from the Balance and Transaction Reporting Account

Summary Screen and the Transaction Detail Screen into a single, expandable screen. By default, the

screen displays all the accounts that you have access to. However, you can use the filter to display only

the accounts and transactions you want to see. To access the combined view, click the scales icon at

the top right of the Bank and Transaction Reporting Account Summary screen.

Filtering the Combined View

You can use filtering to show account information for specific accounts you are interested in.

To filter the combined view:

1. In the Criteria section, under Report Settings click Date Range, and select a date, pair of dates,

or range of dates. Then click Apply.

2. Use the drop-down to select either Accounts or Account Groups.

3. Select the accounts or account groups you wish to include.

4. At Account Transactions View, select one of the following:

o Credit/Debit Single View if you want to see credit and debit transactions in a single list

o Separate Credit and Debit Views if you want to see credit and debit transactions broken out

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into separate lists

5. Click the arrow button to open the Transaction Filters section, and apply as many transaction

filters as required.

6. When you have finished selecting criteria, click Update Report.

7. The resulting report, based on your chosen criteria, appears at the bottom of the screen.

o Click an individual account to see details of it.

o Click the Account Transactions link at the bottom of the screen to view transactions

associated with the account.

Saving the Filtered View as a New Report

Once you have created a filtered view, you can save this view as a new report.

1. At the bottom of the Criteria section, check the Save this Report checkbox, and enter a name for

the report.

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2. If you want to share this report with all users who have access to the Balance and Transaction

Reporting, check the Shared checkbox.

3. Click Save Report. The report will be available for selection from the Saved Reports list.

Account Groups

The account groups feature allows you to logically organize bank accounts into groups. When you are

viewing bank account data on a list or report, you can choose to filter the data by these groups. This

feature allows you to view data for related accounts quickly and easily.

Adding Account Groups

To add an account group:


2. At the top of the screen, click Manage Account Groups.

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3. In the Manage Accounts screen, choose which accounts you would like in your group by clicking

the Deposit Accounts or Loan Accounts button.

4. Above the Account Groups pane, click Add Group.

5. In the New Group box enter the name of the group you want to add.

6. Select the group name from the Select Group list at the bottom of the screen.

7. In the left pane, check the accounts that you want to include in the group.

8. Click Move Selected Accounts.

9. The accounts will appear in the right pane. The accounts appear in the same order as they will be

shown on the Balance and Transaction Reporting screens.

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10. When the account group appears as desired, click Save.

Viewing Account Groups

To view account groups, click the Account Groups tab at the top left of the Balance and Transaction

Account Summary screen.

Modifying or Deleting Account Groups

To modify or delete an account group:


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2. Select Manage Account Groups.

3. To modify a group, select the group name from the list.

4. Add or remove accounts as needed.

5. You can delete the account group by clicking the X icon.

6. You can edit the group name by clicking the Edit icon .


Download

The Download function allows you to download balance and transaction data in Bank Administration

Institute (BAI), CSV, CS Basic Export (a basic comma-separated format), Quicken/QuickBooks (OFX),

and SWIFT MT940/MT942 format. In order to do so, you must have permission to download data in

the appropriate format.

Bank account and transaction information can also be downloaded in CSV format from the Bank

Account Summary screen or transaction list view with the Export function.

There are two steps to downloading balance and transaction data. First, you need to submit an export

request. After the system processes the request, you can download the exported data from the

Downloads screen. Note that the entry of different fields is required for each of the different export types.

These differences are detailed in the instructions that follow.

To submit an export request:

1. The system displays the Download screen, which lists pertinent information for each download,

including the export ID, type, and file name, as well as the company and ID of the user who

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exported the file.

2. Click Export.

3. In the screen that appears, use the drop-down to select the desired export type. Available types

may include:

o BAI Export

o CS (Comma-Separated) Basic Export

o CSV

o QuickBooks (OFX format)

o Quicken (OFX format)

o SWIFT MT940 Export

o SWIFT MT942 Export

4. Enter a file name for the exported file.

o If you selected CSV Transactions, you will be prompted to make additional choices:

o Output Content: Use the drop-down to select the data you want to export: Transactions Only,

Balances Only, Transactions and Balances.

o Exclude Header: Check the box if you want to exclude the header section from the exported

file.

o If you selected BAI as the export type, from the BAI Data Export list, select Prior Day or

Current Day.

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5. Click Continue.

6. The system displays the Export Data screen.

7. The fields in the screen allow you to specify additional criteria for the data you would like to

export. Complete the necessary fields. See Download Fields for an explanation of fields.

Notes

o The default setting for the Account Details and Account Groups fields is BLANK (optional).

Leaving these fields blank results in all available accounts being selected for export.

o SWIFT MT940 and SWIFT MT942 export files must be selected individually by account detail.

Account groups are not applicable to these export types.

8. Click Create Export.

9. The export request is listed on the Downloads screen.

The Status column lists the progress of the request. The status will change to Complete once the

export has finished.

If the file was created successfully, the Message column will reflect this fact.

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Notes

As stated above, once the download is complete, the Status column will read Complete. However, if

the export was not successful, you see one of the following:

o If the system could not create a file because there is no data, the Message column will read

No data available for specified criteria. No file created.

o If there was an error during the download process, the Message column will read Error occurred.

No file created.

o For QuickBooks and Quicken output: There is a threshold for the number of transaction records

that can be successfully exported. If this threshold is exceeded, the Message column will read, The

number of transactions to be exported exceeds the maximum threshold of xx,xxx. No file created.

Downloading an Exported File

1. On the Downloads screen, select the appropriate item in the list, and click Download from the

Actions menu.

You can also choose View from the Actions menu to see a summary of the export.

2. Follow your browser instruction to open or save file.

Download Fields

The fields below may appear on the Export Data screen. These fields allow you to further filter the data

you would like to export.

Field Explanation

Date The date or range of dates for the data to export.

Account

Number

Account Number. The default setting is BLANK (optional).

This results in all available accounts being selected for

export.

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Account

Group

A name of a group of accounts you want to return data

for. The default setting is BLANK (optional). This results in

all available accounts being selected for export.

Debit / Credit You can export either debit or credit transactions.

Transaction

Type

The types of transaction data to download.

BAI

Transaction

Description

The BAI description associated with the data you would like

to download.

SWIFT

Transaction

Description

The SWIFT description associated with the data you

would like to download.

Status/

Transaction

Status

The status of the data.

Transaction

Amount

The amount of the transaction.

Bank

Reference

Bank reference information.

Customer

Reference

Customer reference information.

Report Management

The Report Management function shows a list of all reports you have access to. Reports are organized

by report groups (Payment Reports and Information Reporting Reports).

From the Report Management list you can

o View Reports

o Filter Reports

View a Report

To view a report:

1. Select Report Management from the Reporting menu. The system displays the Report

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Management screen.

2. Select View in the Actions column for the report you would like to view.

The system displays the report you selected.

Notes

o The View option for some reports will display a configuration screen where you can filter the

data you would like to view in the report. Set the filter criteria by expanding a section and

entering or selecting the appropriate data. You can save the filter criteria by clicking Save.

When you are ready to view the report, click Run Report.

The reports available on the Reports Management screen are described in the following topics:

o Payment Reports

Payment Reports

Payment reports provide information on payments and payment templates. The table below lists the

reports available in the Client Application.

Administrative Reports

Report Name Description

ACH Company The ACH Company Information report displays a list of all ACH

companies that are in the system.

Exchange Rates The Exchange Rates report displays exchange rates in both

credit and debit currencies by company.

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User Permissions The User Permissions report displays detailed payment,

reporting and administrative permissions for each user.

Payment Detail Report The Payment Detail Report displays detailed payment

information for individual payments or based on selected search

criteria.

Template Detail Report The Template Detail Report displays detailed template

information for individual templates or based on selected search

criteria.

Special Reports

Special reports are reports generated by an application external to the iTreasury application. This type of

report must be imported into iTreasury before viewing.

To view a special report:

1. Select Special Reports from the Reporting menu.

The system displays the Special Reports screen. By default, the screen displays all reports with a

date of today.

2. You can search for reports by clicking the Edit link.

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3. Select or enter search criteria.

o You can search for a report by name or description.

o You can search by either report or load date. Click the appropriate radio button, and then use

the calendar icon to select a date or date range.

o You can search by file type: either Data File or Report.

4. When you have finished, click Search.

The image below shows the results of a search based on a date range. The items in the list have been

loaded into the system either as actual reports or as data files. The type is displayed in the File Type

column.

You can do one of the following:

o If the type is Data File, select Download in the Actions column to save or download a copy of

the file.

o If the type is Report, select View in the Actions column to see the report on screen.

o To initiate another search, click the Edit link, and enter or select your search criteria.

The following Special Reports are available: (SB and SB+ packages only available for DDA and Analysis Special Report types)

WDL Lockbox Daily

Stop Payments Report

Outstanding Settlement Report

Outstanding Items Report

Miscellaneous Debits Report

Miscellaneous Credits Report

Paid Checks Detail Report

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Deposit Detail Report

Account Analysis Report

ACH Correction Daily Report

ACH Correction Monthly Report

ACH Return Entry Report

ACH Start of Day Report

Commercial Loan Report

Consolidated Items Report

DDA Report

Deposit Summary Report

Invalid EDI Report

Paid Checks Summary Report

Returned Deposit Items Report

Valid EDI Report

Download Special Reports

A Special Reports file is a file loaded from an external system. Special Report files can be downloaded

from the Special Reports screen.

To download a special report file:

1. Select Special Reports from the Reporting menu. The system displays the Special Reports

screen.

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If a file is available for download, you will see the Download link in the Actions column.

2. Select Download in the Actions column for the file you want to download.

3. In the dialog that appears, select the proper option (Open or Save), and then click OK to start the

download.

Online Statements Search

The Online Statements Search feature lets you search for specific Online Statements based on

statement type and date. In addition, you can filter existing Online Statements according to account

details.

To search for and download Online Statements:

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1. Select Online Statements from the Reporting menu. The system displays the Online Statements

screen.

2. Select the appropriate statement type. Available types include: DDA Statement, Savings Statement, Analysis Statement, Regions Liquidity Manager, Returned Deposit Items Notice, NSF Notice, Overdraft Notice, Business Credit Card, Loan Statement. (Note: SB and SB+ clients are not eligible for Returned Deposit Items Notice, Business Credit, Loan Statement or Regions Liquidity Manager statements).

3. Select the desired range of dates: Last 7 Days, Last 30 Days, Last 90 Days, Month to Date,

Quarter to Date or Year to Date.

You can also select Custom Range. Use the pop-up calendars to select the range of dates, then click Apply.

4. In the list of accounts, place a check in the checkbox next to the accounts you would like to search,

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or check All.

5. Click Search.

The search results appear at the bottom of the screen.

6. To download a statement, select Download from the Actions drop-down list.

You will be able to open the statement in PDF format or in a browser.

Note: Online Statements are retained and available in iTreasury for 7 years.

Wire Transaction Report

The Wire Transaction Report provides information about incoming wires.

To view the Wire Transaction Report:

1. Select Wire Transaction Report from the Reporting menu. The system displays the

appropriate report screen.

Default views are available on the Wire Transaction Report to limit search criteria returned. These views include: All Transactions, Current Day, Incoming Wires, Outgoing Wires, Previous Business Day.

Exporting and Printing the Wire Transaction Report

You can export or print the items in the report. For more information, see Working with Lists.

Image Search

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The Image Search feature allows you to search image archive for a check or deposit ticket image.

To search for an image:

1. Select Image Search from the Reporting menu.

The Image Search filter screen appears.

2. Select from the dropdown either Deposit Ticket or Check

3. Select an account you wish to search.

4. At Date, select the calendar icon, and then select the date(s) to search: Last 7 Days, Last 30

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Days, Last 90 Days, Month to Date, Quarter to Date, or Year to Date.

You can also select Single Date or Custom Range. Use the pop-up calendar or calendars to

select the single date OR range of dates, then click Apply.

5. If needed, select criteria for Serial Number and Amount.

6. Click Search.

If an image is found, it will be displayed at the bottom of the screen.

7. In the Actions column, click Image Retrieval to view the image.

Note

If there is more than one image associated with a deposit ticket or other item, a list of images

appears. Click View in the Actions column to view the associated image. Images through Image

Images are retained and available in iTreasury for 7 years.

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Use the controls at the bottom of the window to

o Invert the color (white changes to black and vice versa)

o Rotate the image to the right

o Zoom in and out on the image

o Save the image

o Print the image

Note

For deposit ticket images, you may see a list of items associated with the deposit ticket. Click

View to view details of an item.

Administration and Settings

The Administration and Settings functions provide access to a number of system preferences and

functions:

o ROOBA (Regions Out of Band Authentication

o User Maintenance/OnePass Admin Console

o Add a User Profile

o Modify, View, Delete, and Approve Users

o Preferences

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o Address Book

o File Import History

o Import Map

o Alerts

o Recipients

o Recipient Group Assignments

o Audit Information

ROOBA (Regions Out of Band Authentication)

In iTreasury, users will receive a ROOBA challenge via text or phone call in the following situations:

Final approval of all ACH payments

Final approval of all Wire payments

Entry into the OnePass Admin Console

Users have the option to select between their primary or secondary number when receiving a ROOBA challenge.

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User Maintenance/OnePass Admin Console

Maintenance for iTreasury users will be performed by administrative users via the Regions OnePass

Admin Console. Once you have accessed the OnePass Admin Console, administrators can search for

an existing OnePass user profile to add or modify an application or they can create a brand new

OnePass user profile and attach an application. To learn how to create a OnePass profile, please visit

the OnePass User Guide.

To add an iTreasury application profile to an existing OnePass user, select the (+) sign under application

profiles and choose the new iTreasury option.

https://www.regions.com/commercial_banking/regions_onepass.rf

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A pop up will appear asking “How would you like to create this application profile?”

3 options are available: Find, Create or Clone

Find – Look for an existing user in iTreasury to add to the OnePass profile

Create – Create a new application profile with blank permissions

Clone – Create a new application profile with permissions from an existing user

Create an Application Profile from an Existing User To add an application profile to the OnePass user that already exists in iTreasury, click the “Find” button. OnePass will check iTreasury for a possible matching profile (based on name and/or email address) and display it on the pop up screen that appears. If the correct profile is displayed, you can select it in the popup box and the profile will be added to the OnePass user. Otherwise, press the “Previous” button and you will be returned to the “Add Application Profile” screen.

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Create Application Profile by Cloning an Existing User To create a new application profile using entitlements from an existing iTreasury user, click the “Clone” button from the Add Application Profile screen. If Create a NEW application profile with permissions from an existing user has been clicked, Administrators should:

1. Select to search for the existing user by o Name o Email o UserID

2. Input the search criteria

3. Click Search

4. Click on the user you want to clone

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5. Input a User ID for the new user profile

6. Input a Profile Name (optional)

o If the new user is going to have access to more than one iTreasury profile, it is recommended to input a Profile Name

7. Click Save

o The User Detail screen will display, and the new user should have iTreasury added to their OnePass profile.

Create a NEW Application Profile (with blank permissions)

Once Create a NEW application profile with blank permissions has been clicked, Administrators should:

1. Input a User ID of their choice 2. Input a Profile Name (optional)

o If the new user is going to have access to more than one iTreasury profile, it is recommended to input a Profile Name

3. Choose if the user is an admin by selecting “yes” or “no” under the Admin option.

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4. Click Save 5. The User Maintenance screen will display, and administrators will need to complete each

entitlement tab by clicking on them.

o To access the entitlements from the User detail page, click the icon.) 6. Then select the appropriate entitlements.

To finish adding the new application profile, you must grant the user permissions to the various features

and functions that your company has access to. This may include payments, reporting, risk

management, administrative, and alert functions.

User Profile

The User Profile section allows you view and edit basic information about the user

To add user information:

1. Select a time zone for the user.

2. If the company has been registered for mobile, the Mobile User checkbox is present. Check the box if you want the user to be able to use the mobile app.

3. If you want this user to receive notification when an alert created by him or her changes, check the

Send notification when an alert changes checkbox.

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4. You can now grant the user permissions to features and functions such as payments, reporting, risk

management, administration, and alerts.

Adding Payment Permissions

The Payments section of the User Maintenance screen allows you to grant access to payment

types, and assign approval limits, originators, and accounts.

To add payment permissions:

1. At the top of the User Maintenance screen, click Payments.

2. Assign permissions to payment types by selecting the appropriate check boxes.

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3. Click Continue.

Adding Overall Approval Limits

Once you have granted the user access to payment types, you can assign overall approval limits.

Overall approval limits indicate the maximum value of payments that the user can approve. Values in

this section are expressed in the default currency of the company.

There are three types of limits: transaction, batch, and daily.

o A transaction approval limit indicates the maximum amount of a single transaction. This limit

applies to both wire and batch payments.

o A batch approval limit is the maximum amount of all items in a batch. This limit is not applicable to

wire payments.

o A daily approval limit is the maximum amount of payments that can be approved on a given value

date.

Notes

o A user must also be granted permission to the approval action to approve payments.

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o In addition to overall limits, an originating account can have approval limits associated with it.

Account limits are set in Assigning Accounts, Account Actions, and Account Approval Limits.

o Payments and templates must pass all limit checks in order to be approved.

To add overall approval limits:

1. Expand the Approval Limits heading.

2. Click Edit Limits.

3. Enter the approval limits in the appropriate text boxes.

4. Click Add Limits.

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Choosing a Payment Setting

In the Payment Settings section, you can choose to have the current user select beneficiaries from the

Beneficiary Address Book rather than enter a beneficiary manually.

Click the appropriate checkbox to make the user select beneficiaries from the Address Book for either

payments or templates. Check both checkboxes if desired. Note: This is an additional security option

available if companies desire.

Granting Permission to Payment Actions

The Assigned Permissions section allows you to give the user permission to perform various payment

actions such as managing freeform payments, or approving templates.

To assign permission to payment actions:

1. From the Assigned Permissions list choose how you would like to assign permissions.

o Select By Each Payment Group if you want to grant permissions to payment actions for an

entire payment group at one time (Loans, Wires, ACH, or Transfer).

o Select By Each Payment Type if you would like to assign specific permissions for each individual

payment type (such as Cash Concentration or Wire - Domestic).

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Note

You can also alternate between assignment methods. For example, you could use the By Each

Payment Group option to assign the view template permission for all Wire payments, and then

select By Each Payment Type to assign additional permissions for Wire - Domestic payments.

2. Next, click on the payment group to assign actions to (Loans, Wires, ACH, Transfer).

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3. If you are assigning permissions by payment type, you will also need to click the down arrow to

expand a payment type heading.

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4. Select the check box for the permission you want to grant. For example, to allow the user to

manage templates, select the Manage checkbox next to Templates. To allow the user to

approve freeform payments, select the Approve checkbox in the Freeform row.

5. If you selected approve as an action:

o select the number of signatures to apply when the user approves an item.

o select the Approve Own checkbox if the user can approve items that he or she created.

o select the Auto Approve checkbox if an item should be automatically approved after the user

creates it.

6. You are now ready to complete the steps in Assigning Accounts, Account Actions, and Account

Approval Limits and Assigning Originators, Originator Actions, and Originator Approval Limits.

Assigning Accounts, Account Actions, and Account Approval

Limits

The Bank Accounts sub-section allows you to assign accounts and account actions to users and set

account approval limits. The items entered in this section will only apply to the payment type in the

section header.

Note

This section does not appear for batch payment types.

To assign accounts:

1. In the Bank Accounts sub-section, click Add Bank A ccounts.

2. On the Add Bank Accounts screen, the left pane displays the available accounts. Drag accounts to

the right pane to assign them to the user. You can also assign the accounts using the Move

selected accounts and Move all accounts links.

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3. When you have finished click Add Accounts.

4. After accounts have been added, you can set approval limits by entering the limit in the appropriate

text box. You can set limits for multiple accounts by clicking the Quickly Apply limits link. The limits

entered in this window will be applied to all accounts the user is assigned to.

5. The icons in the bank account row allow you to assign the actions a user can perform on payments

or templates originating from the account. Click the appropriate check box.

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Action Icons

Icon Description

Grants the user permission to view, delete, and approve payments and templates originating

from this account for the payment type

Grants the user permission to approve payments and templates originating from this

account for the payment type

Grants the user permission to repair imported payments and templates originating from this

account for the payment type

Grants the user permission to modify payments and templates originating from this account for

the payment type

6. Repeat the steps in Adding Payment Permissions for each payment type and payment group.

7. If you granted access to ACH payment types, you can now begin Assigning Originators, Originator

Actions, and Originator Approval Limits.

Assigning Originators, Originator Actions, and Originator Approval

Limits

This section is used to assign originators and set approval limits for a payment type. This section only

appears if the user has access to a NACHA (ACH) payment type.

To assign originators:

1. Navigate to the ACH payment group.

2. Click Add Originators.

3. On the Add Originators screen, the left pane displays the available originators. Drag originators to

the right pane to assign them to the user. You can also assign the originators using the Move

selected originators and Move all originators links.

4. When you have finished, click Add Originators.

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5. After originators have been added, you can set approval limits by entering the limit in the

appropriate text box. You can set limits for multiple originators by clicking the Quickly Apply

limits link. The limits entered in this window will be applied to all originators the user is assigned to.

6. The icons in the originator row allow you to assign the actions a user can perform on payments or

templates originating from the account. Click the appropriate check box.

7. Click Save.

8. Once the record is saved, you can grant the user permissions to features and functions such

as payments, reporting, risk management, administration, and alerts.

Adding Restricted Templates

If restricted templates have been assigned to the company, you can select which templates the user will

have access to.

To assign restricted templates:

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1. Click Add Templates.

2. On the Add Restricted Templates screen, the left pane displays the available templates. Drag

templates to the right pane to assign them to the user. You can also assign the templates using the

Move selected Templates and Move all Templates links.

3. When you have finished, click Add Templates.

Adding Reporting Permissions

The Reporting section of the User Maintenance screen allows you to grant the user permission to

access various types of balance and transaction data including balance and transaction reports,

Online Statements, Special Reports and Image Search.

To add reporting permissions:

1. From the User Maintenance screen, click Reporting.

2. Select the check box for the feature you would like to entitle the user to.

3. To assign which accounts the user can view balance and transaction data for, review Assign Accounts section.

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4. To allow the user to see an account, drag it from the left pane and drop it in the right pane. To

remove an account, drag it back to the left pane.

5. Repeat the steps above for the remaining reporting functions.

6. When you have finished assigning report permissions, click Save. You are now ready to add

permissions for additional modules.

Adding Risk Management Permissions

The Risk Management section of the User Maintenance screen allows you to grant access to Risk

Management functions.

To add Risk Management permissions:

1. At the top of the User Maintenance screen, click Risk Mgmt.

2. Select the check box for the permissions you want to grant. For example, to allow the user to

manage check issues / voids, select the Manage check box in the Check Issue / Void row.

3. If you selected approve as an action in the last step:

o select the Approve Own check box if the user can approve items that he or she created.

o Select the Auto Approve check box if an item should be automatically approved after the user

creates it.

4. When you have finished assigning Risk Management permissions, click Save. You are now ready to

add permissions for additional modules.

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Adding Administrative Permissions

The Admin section of the User Maintenance screen allows you to grant access to administrative

functions on the client application.

To add administrative permissions:

1. At the top of the User Maintenance screen, click Admin.

2. Select the check box for the permissions you want to grant. For example, to allow the user to view

users but not manage or approve them, click only the View check box next to User Maintenance.

Note

If you want to grant this user permission to access the Audit List View and view audit activity, check

the Audit Activity box.

3. If you selected approve as an action in the last step:

o select the Approve Own check box if the user can approve items that he or she created.

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o Select the Auto Approve check box if an item should be automatically approved after the user

creates it.

4. When you have finished assigning administrative permissions, click Save. You are now ready to

add permissions for additional modules.

Adding Alert Permissions

The Alerts section of the User Maintenance screen allows you to grant permission for the user to

create alerts.

To add alert permissions:

1. At the top of the User Maintenance screen, click Alerts.

2. Select the check box for the alerts you want to grant access to. For example, to allow the user

to create Special Report and Beneficiary Address Book alerts, click Beneficiary Address Book

Maintenance and Special Report Received.

3. When you have finished assigning alert permissions, click Save. You are now ready to add

permissions for additional modules.

Modify, View, Delete, and Approve Users

iTreasury entitlements can be viewed, deleted, or added from the OnePass Admin Console. To manage the entitlements, select a user in the OnePass Admin Console and view the Application Profiles section at

the bottom of the screen.

Remove an iTreasury Application Profile

This function disables a client user’s access to iTreasury. This prevents the user from accessing the system.

To disable a user:

1. Select a user in the OnePass Admin console. The system displays the User Detail screen. Go to the

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bottom of the screen under Application Profiles.

2. Select the icon beside the user profile you wish to remove. The selected iTreasury application profile should be removed from the user’s Application Profiles.

• This action also removes the user profile from within the iTreasury application. To add it back, a new application profile can be created or the Administrator can use the “Find” option to look up a disabled user.

Add an iTreasury Application Profile

To add iTreasury access to a user, click the icon and follow the directions provided earlier in this

section.

Modify an iTreasury Application Profile

This function allows client admin users to make changes to a client user’s access to iTreasury.

To modify a user:

1. Select a user in the OnePass Admin console. The system displays the User Detail screen. Go to the bottom of the screen under Application Profiles.

2. Select the icon beside the user profile you wish to modify. The User Maintenance screen will be displayed.

3. Choose the appropriate entitlement you wish to modify and click “Save” when done.

Preferences Workspace

The Preferences Workspace contains the following sections (widgets):

o Rename Bank Account

o ACH Company Options

o Confidential Settings

ACH Company Options

The ACH Company Options function allows a Client user to give ACH companies a more meaningful,

client-defined name.

From the ACH Company Options section of Preferences, you can add an ACH company

In addition, you can view, modify, or delete an existing company. The only item that can be modified is

the name. Account numbers cannot be modified. For more information, see Working with Lists.

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Rename Bank Account

This option gives you the opportunity to change an existing account name.

To change an account name:

1. Select Preferences from the Administration and Settings menu. The system displays the

Preferences Workspace.

2. On the Rename Bank Account widget, select Modify from the Actions column.

The system displays the account selected.

3. Change the name in the Client Account Name field.

4. Click Save.

Confidential Settings

The Confidential Settings widget allows you to determine how users of the application will import files

representing supported payment types. For each payment type (such as Cash Concentration or Draft),

you can choose one of three options for Client users:

o Prompt to Import as Confidential: Client users will be asked if they want to import the current

payment file as confidential or not.

o Never Import as Confidential

o Always Import as Confidential

To select confidential settings for payment imports:

1. Select Preferences from the Administration and Settings menu. The system displays the

Preferences Workspace.

2. Scroll down to the Confidential Settings widget.

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3. For each of the displayed payment types, use the drop-down menu to select the desired setting:

o Prompt to Import as Confidential

o Never Import as Confidential

o Always Import as Confidential


Address Book

The address book allows you to add, modify, view, and delete payment beneficiaries. Address book

entries can then be used when creating a payment, or template.

The address book is intended to store beneficiaries periodically used to create freeform payments or

templates. For payments made more frequently, a template would typically be created.

Updates or deletions of existing beneficiaries in the address book will not affect transactions that have

already been entered into the system or are in flight (any transaction in any status).

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An audit entry will be made for any change to the beneficiary address book.

Payment Types Supported

The beneficiary address book icon is only accessible for the following payment types:

Payments Payment Types

ACH o Cash Concentration

o Cash Concentration / Disbursement

o Cash Disbursements

o Consumer Collections

o Consumer Collections / Payments

o Consumer Payments

o Corporate Vendor Payments

o Corporate Collections

o Corporate Vendor / Payments

o International ACH Transaction

o Internet Initiated Collections

o Payroll Payments

o Telephone Initiated Collections

Wire o Wire - Domestic

o Wire - International

Address Book Import Formats

For information on the acceptable file format for imported beneficiary address book information, see

Address Book File Format.

Adding and Importing Address Book Information

In the iTreasury Contact Center, you can do the following:

o add an Address Book entry

o import an Address Book entry

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In addition, you can view, modify, or delete an existing address book entry. For more information, see

Working with Lists.

Exporting or Printing the Address Book

At the left-hand top of the Address Book screen, there are options for exporting and printing the list of

contacts. For more information, see Working with Lists.

Add a New Contact to the Address Book To add an address book entry:

1. Select Contact Center from the Administration and Settings menu.

2. Click Add a New Contact.

3. At Contact Type, check the appropriate checkbox: Business, Individual, or Employee.

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4. In the Contact Information section, enter the beneficiary name, contact ID number, and address.

5. (optional) In the Contact Person section, enter the name of a contact person, if different from the

beneficiary.

6. (optional) Enter the contact person's phone numbers, fax number, and email address.

7. In the Payment Account Information section, enter the beneficiary's account data.

8. Click the appropriate radio button depending on whether you want to enter the beneficiary's bank

information or use the beneficiary's IBAN number.

9. Enter the beneficiary's bank routing number.

Note

In the Account Information section you will see two radio buttons: Bank Code Look-up and

Freeform Entry.

o If the beneficiary bank is a part of the Fed Wire/ABA system, enter the bank's routing number

as instructed in step 9.

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o If the bank is not part of the Fed Wire system, click Freeform Entry, and then enter the

bank account number, name, and address.

10. For some batch payments, you need to select the appropriate account type.

11. Enter the appropriate account number.

12. If necessary, select the appropriate currency for the account.

13. At Payment Methods Accepted by this Account, check the checkboxes for the methods that

you want to use for the beneficiary's account.

Note

If you change the currency for the account, the accepted payments for the account will change

accordingly. For example, if you originally choose USD as the currency and Wire Domestic as the

accepted payment method but later change the account currency to Euro, Wire Domestic will no

longer be an accepted payment method.

14. (optional) In the Intermediary Bank (Optional) section, select an Intermediary Code Type and

Intermediary ID for the intermediary bank. The address lines will be filled in automatically.

15. If you want this account to be the primary for the contact person, check the Make this the Primary

Account for this Contact checkbox.

16. If you want to add another account for this contact, click Add Another Account.

17. When you have finished, click Save Contact.

The beneficiary address book entry will now be available on applicable payment screens. You can

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select the entry by selecting the search icon next to the beneficiary field on a payment screen.

Please note that the name of the beneficiary field is different for different payment types. You can

also save a new beneficiary directly from a payment screen by selecting the Add Beneficiary

Record radio button and clicking Commit Changes.

Importing Beneficiary Addresses

The Address Book screen has a link that lets you import beneficiary addresses via a file in CSV format.

To import beneficiary addresses:

1. Select Contact Center from the Administration and Settings menu.

2. Click the Import link.

3. On the Beneficiary Address Book Import screen, click Browse, and then search for and select

the file containing the address.


A message will appear at the top of the screen indicating that the file is queued for import.

5. Browse to the File Import History screen to see the status of the imported file.

Beneficiary Address Book File Format

o The format has a file header and trailer

o The Beneficiary Contact Information Header contains the contact and address information

o The Beneficiary Account row contains Beneficiary Account and Payment Type specific information

o Every file will begin with an YYYYMMDD-Sequence Number Header, and complete with a Trailer.

o Each Beneficiary Contact Information Header row must be followed by at least one Beneficiary

Account row.

File structure

The Structure is shown below:

H,20141104,1

Beneficiary Contact Information Header

Beneficiary Account

Beneficiary Account

Beneficiary Account

Beneficiary Account

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Beneficiary Contact Information Header

Beneficiary Account

Beneficiary Account

T

Beneficiary Contact Information ('B' Record Type)

Position

Field Name

Format

Mandatory

Optional

Conditional

Protected

1 Record Type C(1) M

2

Company C(8) M/C

3 Bene Name C(35) M

4 Bene Reference C(35) O

5 Child Record C(1) O

6 Parent Record C(35) C

7 Address line 1 C(35) O



10 State C(2) O

11 Province C(15) O

12 Country C(2) O

13 Postal Code C(15) O

14 Phone C(20) O

15 Fax C(20) O

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Position

Field Name

Format

Mandatory

Optional

Conditional

Protected

16 Email 1 C(254) O

17 Email 2 C(254) O

18 Email 3 C(254) O

19 Contact Name C(35) O

20 Contact Phone O

21 Contact type N(1) O

Beneficiary Account / Payment Type Records ('A' Record Type)

Position

Field Name

Format

Mandatory

Optional

Conditional

Protected

1 Record Type C(1) M

2

Payment Type C(10) M

3 Clearing System C(10) C

4 Bene Name C(35) M

5 Bene Reference C(35) O

6 Address line 1 C(35) C



9 Bene Postal Code C(15) O

10 Province C(15) O

11 Country C(2) C

12 Currency C(3) M

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Position

Field Name

Format

Mandatory

Optional

Conditional

Protected

13 Account Type C(16) C

14 Account Number C(34) C

15

16 Code Type C(6) C

17 Code C(34) C

18

19 Code Type C(6) 0

20 Code C(34) 0

File Import History

The File Import History widget displays a list of imported files, one file to a row. Each file is identified by

file name, date of import, import type, and job ID. Users are entitled to File Import History if they have

one or more entitlements to import features, such as importing payments.

To view file import history:

1. Select Import from the Administration and Settings menu.

The system displays the Import screen with the File Import History widget at the top of the screen.

The widget lists all imported files.

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2. Scroll to the right to see a listing of the number of items successfully created from the imported file,

as well as the number of the number of rejected items and errors associated with the import.

Viewing Import File Details

To see details of an file import, from the Actions drop-down list select View, or drill down on one of the

items in the list. A table corresponding to the item type is displayed. It lists pertinent details about the

import, including explanatory comments on any errors that occurred during import. The detail screen

will display both failed records and successful imports. Click the right arrow ) to see details of

either type.

Failed Records with Reasons for Failure

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Successful Imports

The screen lists the following information for the successfully imported records:

o Company ID

o Company Number

o File Name

o Import Date

o Number of Items

o Number of Issues

o Number of Voids

o Total Amount of Items

o Total Amount of Issues

o Total Amount of Voids

To see details of any of the successful imports, in the Actions column, click View.

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Deleting Imported Data

Depending on your permissions, you can delete the data imported from a file. Data can be deleted if

the following criteria are met:

o Payments: Payments in the file cannot have the status of partially approved, fully approved,

extracted, or confirmed.

o Check Issue Items: Check items in the file must not have the status of approved or bank confirmed.

o Beneficiary Addresses: Beneficiary addresses in the file cannot have the status of approved.

Note

Delete is not an option for any import that created Wire templates.

To delete data imported with a file:

Note

This will delete the data that was imported from a file. However, the file will still be listed on the File

Import History screen.

1. Select Import from the Administration and Settings menu.

2. Select the appropriate entry in the File Import History list, and with the Actions drop-down select

Delete.

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The system deletes the items that were imported from the file. Note that the file will still appear in the

File Import History list.

Import Map

This feature allows you to create custom import maps that can be used to import data from your

systems. The tool provides you with the ability to define the file layout, field mapping, and rules for

importing files. Data imported with a custom import map can be used to create or modify single

beneficiary payments and templates, modify or add data to batch payments and templates, and create

check issues and voids. Import maps are typically used in lieu of one of the provided, standard maps.

The Import Map feature supports the following file/payment types:

o Cash Concentration

o Cash Concentration/Disbursement

o Consumer Collections/Payments

o Cash Disbursement

o Corporate Collections

o Consumer Payments

o Consumer Collections



o Internet Initiated Collections

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o Payroll

o Telephone Initiated Collections

o Tax Payments

o Check Issue/Void

o Wire - Domestic

o Wire - International

o Transfer

The Import Map feature lets you add a new import map. In addition, you can view, edit, and delete existing

maps. For more information, see Working with Lists.

Add an Import Map

The following instructions outline the steps for creating an import map. The fields you see in the

window will be different depending on the map and payment type you choose.

To add an import map:

1. Select Import from the Administration and Settings menu. The system displays the Import screen.

2. Scroll to the bottom of the screen to view the Import Map widget.

3. Click Add Import Map.

4. Select the map type from the drop-down list. The map type represents the file format of the files

that you will import.

o Select Delimited if imported files will use a delimiter, such as a comma, semicolon, or other

indicator to separate the records.

o Select Fixed if the imported files will be fixed width text files.

o Select NACHA if the imported files are in NACHA format.

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5. Select the payment type that you are creating a map for.

6. If necessary, use the Import As drop-down to choose whether the file should be imported as a

payment OR a template.

7. If necessary, select a clearing method.

8. If the payment type requires additional details, an additional section will appear beneath the

Clearing Method field. For example, the child support payment type requires the selection of a

child support agency. Use the drop-down menu to make your selection.

Additional fields will appear for the payment type you selected. Note that the fields are different

depending on the payment type and map type you select.

9. In the Format Name field, enter a name for the import map.

10. In the Description field, enter a description for the import map.

11. For batch payment types, the File Process field is used to indicate how records will be

processed. This field does not appear for single beneficiary payment types. Select the appropriate

process.

o Append All – This setting will add all transactions in the file to the batch.

o Append New – This setting will compare the records in the file with the transactions already in

the batch. Transaction details that exist in the file that do not already exist in the batch will be

added.

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o Match and Update – This setting will compare the records in the file with the transactions

already entered in the batch. The matching transactions will be updated with the data from

matching records in the file.

o Replace All – This setting will replace all the transaction details in the batch with the details in

the file.

12. For batch payment types, In the Match Failure field, choose how you would like to handle records

from the file that cannot be matched to an existing transaction in the batch. This setting is only

applicable if you select Append New or Match and Update in the File Process field.

o Append to Batch – Choose this setting to add records to the batch if they cannot be matched

to an existing record.

o Fail Record – Choose this setting to fail any records that cannot be matched. The file will

continue processing.

o Fail File – Choose this setting if the entire file should fail if any records cannot be matched.

13. In the Start Import at Row field, choose the row in the file that the import should start at. For

example, if your import file contains 3 rows of header data, and the records start at row 4, enter 4 in

the field. Note that this field does not appear for a NACHA map type.

14. In the String Delimiter field, select the delimiter used to indicate a string in the file. The default

section is “Double Quote.” Note that this field is not visible for map types of fixed or NACHA.

15. In the Field Delimiter field, select the delimiter used to indicate the end of a field in the file. The

default selection is “Comma.” Note that this field is not visible for map types of fixed or NACHA.

16. In the Record Delimiter field, select the delimiter used to indicate the end of a record in the file.

The default selection is [CR][LF], which corresponds to carriage return or line feed. Note that this

field is not visible for single beneficiary or NACHA map types.

17. In the Date Format field, select the date format used in the file. The default selection is MMDDYY.

18. In the Date Separator field, if needed, choose how dates are separated.

19. The Implied Number of Positions field is an optional field that can be used to designate the

implied number of decimals in a numeric value in the file. For example, you would choose 3 if the

number 1000000 should be interpreted as 1000.000. If a decimal separator is defined below, you

can leave this field blank.

20. In the Decimal Separator field, enter the character used to indicate a decimal in the file.

21. The values shown in the Credit, Checking, Debit, Savings, Yes/True, No/False, General Ledger,

Loan Account, Issue, Void, Header Indicator, Body Indicator, and Trailer Indicator fields are

the abbreviations used to represent these values in the file. These fields are case sensitive. If

needed, you can change the default values.

22. The table at the bottom of the screen is used to indicate how the fields in your file map to fields in

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the applicable screen in the application.

An explanation of the fields in the table is included below.

o Active – A check mark in this field indicates that a field in the file should either be imported or

matched against existing data in the application.

o Field Name – The name of the field in the application. The values in this column vary by

payment type.

o Field Number – For delimited map types, indicates which field in the file maps to a field on the

application screen. For example, if the 3rd field in your file maps to account type, enter 3 in the

field number field for account type.

o Start Position – For fixed map types, indicates the starting point of the field (in characters,

measured from the start of the file).

o End Position – For fixed map types, indicates the ending point of the field (in characters,

measured from the start of the file)

o Match – Check the check box if the value in the file should be matched against the value in

Digital Banking. This column is only used for batch payment types and when the file process is

Match and Update or Append New.

o Default Value – Used to indicate the default if a value is not supplied in the file.

Note

See Applying Default Values for rules concerning how default values are applied during import.

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23. Complete the screen as appropriate. Once you have finished entering the values for the import

map, click Save.

Note

If you are importing the payment as a template, the fields in the table will differ slightly. The bottom

of the table will offer three fields associated specifically with templates: Restrict (meaning only

those entitled to access the template will be able to view it, Template Name, and Template

Description.

Users in your user group can now use the import map to import files.

Applying Default Values

The behavior of the Default Value field in the File Maps section of an import map varies depending on

which fields are populated.

Default Value Entered and Field Number Empty

When a user imports a file, all payments and templates will use the default value entered for a field in

the import map if the following criteria are met:

o The Active checkbox is checked for the field name.

o The Field Number field is empty.

o The Default Value field is populated.

In the scenario shown below, all payments and/or templates will have an account type of "Savings."

Default Value and Field Number Entered

If both the Field Number and Default Value fields are populated, the default value will only be

applied during the import if the file position specified in the Field Number field is empty.

In the example below, if field position 9 in the imported file is empty, the default value "Monthly Invoice"

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will be applied to the payment as the Comment. If position 9 in the file is populated, then that value will

be applied.

Alerts Center

The Alerts Center is made up of several sections (widgets):

o Alerts

o Recipients

o Recipient Groups

o Recipient Group Assignments

Alerts

This function configures the system to automatically send alerts when certain conditions occur. For

example, a Closing Available Balance alert can be sent when a closing account balance falls below a

certain threshold or an alert can be sent when a Positive Pay Suspect file is received from the bank.

Although you can specify the recipient directly on the alert screen, we recommend that you set up

recipients or recipient groups before creating alerts.

Note

Alerts will appear in the appropriate language for the user's locale. There is no limit on the number of

users who can receive an email alert.

Adding an Email Alert

To add an email alert:

1. Select Alerts Center from the Administration and Settings menu. The Alerts Center appears.

2. Click Add New Alert.

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3. In the Alert Name field, enter a name for the alert.

4. From the Alert Group list, select the appropriate group for this alert. For example, Payments.

5. In the Alert Type field, select the type. For example, if you chose the Payments alert group, you

might choose Payment Processed as the alert type. For an explanation of alert groups and types,

see Alert Types.

6. From the Recipient list, select a recipient or recipient group.

7. In the Contact Methods section, check the checkbox(es) for the appropriate contact method or

methods.

8. Most alerts also require you to enter trigger criteria for the alert. For example, you may have to

specify an account number or action that will trigger the alert.

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9. When you have entered all the necessary fields, click Save.

Now, when the criteria specified in the alert are met, the recipient will be contacted using the

specified method.

Alert Types

Module Alert Type Description

Admin Beneficiary Address

Book Maintenance

Email is generated when changes

are made to and/or approved for

Beneficiary Address Book records.

Special Report

Received

Email is generated when a

special report is loaded.


User Maintenance Email is generated when a user

is either added or approved

(depending on the actions

selected).

Check Management Positive Pay Cutoff

Time is

Approaching

If a positive pay item requires a

decision, an alert email is

generated stating that a cutoff

time is approaching in X number

of minutes.

Positive Pay

Decision Pending

Approval

Alert email is generated when a

positive pay decision is ready to

be approved.

Positive Pay

Suspect Item Alert

Alert email is generated when a

positive pay suspect file is

received.

Information Reporting/Balance and

Transaction Reporting

Closing Available

Balance

Checking

Email is generated when the

closing available balance meets

specified criteria.

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Closing Ledger

Balance

Checking

Email is generated when the

closing ledger balance

meets specified criteria.

Transaction

Notification


transaction is posted that meets

certain criteria.

Summary Balance Email is generated when an

account balance meets the

specified criteria.

Incoming Wire Email is generated when an

incoming wire is received.

Payments Approver Rejected

Payments

Notifies you of any payments

rejected during the approval

process

Payments

Automatically

Generated

Notifies you of payments

automatically created based

on Scheduled Payment

settings.


Payment Processed Email is generated if a payment is

received by the bank, confirmed

by the bank, or rejected by the

bank.

Payments Awaiting

Approval


payment is awaiting approval.

Payments Needing Rate

Email is generated when there

are payments needing a foreign

exchange rate.

Payments

Rejected Today

Email is generated when a payment

is rejected.

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Recipients

A client Recipients feature is used with the Alert Settings function. A recipient associates a logical name

to an email address. If a recipient is used in an alert, then changes to the actual email address are

resolved when the email is generated.

You can add Recipients. In addition, you can view, modify, or delete an existing recipient. For more

information, see Working with Lists.

Adding a Recipient

To add a recipient:

1. Select Alerts Center from the Administration and Settings menu. The Alerts Center appears.

2. Scroll down to the Recipients section, and click Insert.

The system displays the Recipients screen.

3. Enter the recipient name and email address.

4. If you want to add a different method of contact for this recipient, click Add Another Contact

Method.

5. Use the drop-down to select a contact method.

6. Click Save.

Recipient Group Settings

Recipient groups are used when setting up alerts. After a Recipient Group is added, then Recipients

may be added or removed from the Recipient Group using the Recipient Group Assignment function. If

a Recipient Group is used in an alert, then changes to the individual recipients are resolved when the

alert is generated.

You can add Recipient Groups. In addition, you can view, modify, or delete an existing recipient

group. For more information, see Working with Lists.

Add Recipient Group Settings

To add a recipient group:

1. Select Alerts Center from the Administration and Settings menu.

The system displays the Alerts Center with the Recipient Groups List at the center of the screen.

2. Click Insert.

The system displays the Recipient Group Settings screen.

3. Enter all of the required fields as applicable.

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4. Click Save.

Recipient Group Assignments

You can assign client recipients to a specific client recipient group. In addition, you can view or delete

an existing group assignment. For more information, see Working with Lists.

Add Recipient Group Assignment

To add a recipient to a recipient group:

1. Select Alerts Center from the Administration and Settings menu.

The system displays the Alerts Center with the Recipient Group Assignments widget at the bottom

of the screen.

2. Click Insert.

3. Enter all of the required fields as applicable.

4. Click Save.

Audit Information

The Audit Information widget supplies a variety of information for your company, allowing you to filter

the information that appears, as well as export and print the information. For information, see Working

with Lists.

Note

Only product, function, type, action modes, and entry methods with corresponding audit entries are

available for selection.

Selecting and displaying audit information:

1. Select Audit Information from the Administration and Settings menu.

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The system displays the Audit Information widget.

2. Use the calendar icon to select a date and time to cover the range of displayed information.

3. (optional) Select a product code, for example, Admin.

4. (optional) Select a function code, for example, Users.

5. (optional) Select a type code, for example, Check Issue/Void.

6. (optional) Select an action mode, for example, Add.

7. (optional) Select an entry method, for example Freeform.

8. (optional) Enter a user name to restrict the displayed information to a single system user.

9. Click Search.

The relevant audition information appears at the bottom of the screen.

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Glossary

A

ABA American Bankers Association, which is responsible for assigning the nine-digit

routing transit number that appears on a check to identify the financial institution the

check is drawn on.

ABA number American Banking Association routing number assigned to individual chartered financial

institutions.

ACH Automated Clearing House, an electronic network for transmitting and clearing trans-

actions between participating financial institutions. The rules for ACH transactions are

established and regulated by NACHA (National Automated Clearing House Association)

and the Federal Reserve.

Addenda Code Optional three-letter code used in ACH transfers usually from one corporation to

another.

Amount The amount of the check.

B

Bank Confirmed The bank has processed the check entry.

Bank Reason Reason the bank returned the item — for example, Bad Date or No Payee.

Beneficiary The person or entity being paid.

BIC Business Identifier Code used to identify financial institutions around the world. Since

BICs are maintained by the Society for Worldwide Interbank Financial Tele-

communication (SWIFT), they are also known as SWIFT codes.

C

Cutoff Time A time, set by the bank, by which a decision should be made on a returned item. The

cutoff time should always be noted so that decisions are made in a timely fashion.

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D

DDA Demand Deposit Account, a bank account with funds available upon demand.

Decision Decision made concerning a suspect item returned by the bank: Return, Pay, or Pay

and Issue.

Decision Date Date when the electronic payment positive pay decision (for example, Return) was

made.

Deleted The check entry has been deleted.

Destination Country The country where a payment is being sent.

Destination Currency The currency that a payment is received in.

E

Effective Date The date when the electronic payment positive pay decision goes into effect.

Entered By The user who created the item.

Entry Method This indicates whether the check issue/void was manually entered or imported.

F

From Account The debit account.

I

IBAN International Bank Account Number, a numbering system used to identify bank accounts

across borders. An IBAN number includes a two-digit country identifier, two check digits,

and a country-specific basic bank account number.

ID Type The originator ID type is a four-letter code corresponding to a unique identifier for the

originator. The available codes are ARNU: Alien Registration Number CCPT: Passport

Number CUST: Customer Identification Number DRLC: Driver’s License Number EMPL:

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Employer Number NIDN: National Identify Number SOSE: Social Security Number

TXID: Tax Identification Number.

Intermediary bank A financial institution used to route funds from the payer to the payee (or ordering party)

when no direct relationship has been established.

Issue Date The date when the check was issued.

Issue/Void Date The date of the check issue or check void.

J

Job ID If the check issue/void was imported rather than manually entered, this is the ID

associated with the import.

L

Loan payment a payment made to an existing loan account. Payments may include interest and

principal, interest only, principal only, or escrow only.

M

Memo The memo for the entry.

N

NACHA Funds transfer made through the Automated Clearing House (ACH) network.

O

Originating ACH Company ID The identifier of the ACH-member company that originates a debit or a credit trans-

action via the Automated Clearing House (ACH).

Originating ACH Company Name The name of the ACH-member company that originates a debit or a credit transaction

via the Automated Clearing House (ACH).

Origination currency The account currency of the entity that initiated the transaction.

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Originator Financial organizations that make payments on behalf of another institution.

Administrators can set up payment originators for your company so that when you make

a payment, you can select the originator from the application database.

Originator ID An ID used by the ACH network to identify the originator (payer) of the payment

transaction.

P

Partial Success This indicates that approval of a stop payment or cancel stop request was partially

successful.

Payee Name The name of the payee.

Prenote A zero-dollar transaction used to verify an account.

Process control A code identifying the check type. The process control usually appears to the right of

the on-us account number on the MICR line of the check.

Profile Key A check profile key is used to hold repetitive and static data necessary for check

processing. The data found in the check profile key includes company information, bank

and account information, the check numbering range, and up to 30 customizable data

fields.

R

Range For a stop or cancel stop order that applies to multiple checks, the last serial number.

Return Reason Reason the item is being returned to the bank—for example, Fraud or Insufficient

Funds.

RTGS Real-Time Gross Settlement, "The continuous settlement of payments on an individual

order basis without netting debits with credits across the books of a central bank"

(Investopedia).

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S

SEC Code Standard Entry Code, a three-letter code that must accompany all ACH (Automated

Clearing House) transactions. It indicates how the transaction was authorized by the

originating ACH company (for example, CTX: Corporate Trade Exchange).

Serial Number The serial number of the check. For a stop or cancel stop order that applies to

multiple checks, the first serial number.

Sort Code A six-digit bank code used in United Kingdom and Irish banking systems to identify

participating financial institutions (clearing banks in the UK). Like the routing number

used in the US banking system, it permits routing of money transfers between banks.

The first two digits in the code identify the bank, while the last four digits are for internal

reference.

Status The current status of the item. For example, in Check Management, possible statuses

include Entered: The check entry has been entered, but needs to be approved.

Approved: The check entry has been approved. Bank Confirmed: The bank has

processed the check entry. Deleted: The check entry has been deleted. Partial

Success: This indicates that approval of a stop payment or cancel stop request was

partially successful.

SWIFT The Society for Worldwide Interbank Financial Telecommunication, a network that

transmits information about transactions to financial institutions worldwide.

T

Transaction Code Class A code assigned to ACH (Automated Clearing House) transactions. Among other

issues, the codes indicate the type of transaction (deposit, withdrawal) and type of

account (savings, checking).

Transaction currency The currency in which a payment is processed and booked

Type Describes the item type such as Check Issue, Place Stop, Cancel Stop, or Check Void.

U

US-ACH Automated Clearing House, the network for electronic funds transfer in the US.

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V

value date The delivery date of funds involved in a payment.

W

Workspace Widgets are small components that allow you to perform a variety of common tasks

such as quickly making a payment, transferring funds, stopping payment on a check,

taking action on tasks, and making positive pay decisions. A workspace is a grouping

of individual widgets. For example, the Payments workspace combines both the

Payments List View and Template List View widgets.

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