Business Online Banking - ACH Transfers

From the Home Page, select Transaction Management then ACH

The ACH Tranfers page provides a Summary of the ACH transactions that are waiting for
approval, scheduled, also know as pending, and completed.

Viewing ACH Transactions from the Dashboard --

A Quick Search function is required every time the ACH submenu is accessed to populate the
Summary window. Without a Quick Search, the Summary window appears to have no ACH
transactions available for viewing.
 From the Dashboard click on:
 Enter a date range
 Select Show option
 Select Company ID or an account number
 Click on the search icon.
 Click on Submitted, Pending or Completed tab to view.

Create a New ACH Batch

From the Dashboard, click on +New ACH Batch.

Step 1: Initiate - Complete the following information –

• Company Name -- Click on the drop down arrow and select an ACH Company name.
• Batch Type – Click on the drop down arrow and select a Batch Type.
o Cash Concentration CCD Debit – outgoing payment i.e. management company
is paying a landscaping company for monthly maintenance.
o Cash Disbursement CCD Credit – incoming deposit i.e. incoming non-
prearranged payments or deposits.
o Cash Concentration and Disbursement CCD Credit or Debit – combination
transaction of the above two.
o Payroll/Direct – Deposit PPD Credit -- payroll disbursement
o Pre-arranged Payment Debit – Incoming payments, for example incoming HOA
payments
o Pre-arranged Payment and Deposit (PPD Credit or Debit) – combination
transaction.

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Business Online Banking - ACH Transfers
• Batch Name – Enter a name identifying the Batch.
• Payment Type – Defaults to Regular.
• Company Description – Enter a short description of the file purpose
• Discretionary Data – Enter additional details or account number.
• Effective Date - equal to the date for ACH processing. The calendar date default is the
next available processing date.
• Repeating – default option is none.
• Offset Account – select an offset account when applicable.

Click on the Add Entry button and complete the following information:
• Participant Information –
o Nick name - Will default to the participants name if no nickname is entered.
o Participant Name – Enter name of participant i.e. payee
o Identification # - Enter the account number associated with the participant
o Check the box ‘Add Participant to Managed List’ to add participant to your list of
managed participants for future use.
• Managed Pre-note – Defaults to Not Required.
o Select requested if you wish to generate a pre-note.
o Pre-note enables you to verify the receiving Depository Financial Institution’s
routing number and the account number are recognized by the ACH network.

Note – The Pre-Note process can take up to 10 days to complete. When pre-note is
selected, a zero dollar file is generated prior to processing the actual ACH
request. If the information is not valid, a notice is generated back to the
business. If the information if proven to be valid, no notification is received.

• Participant Scope – Defaults to ACH Company Scope.

• Secure participant – Defaults to Normal.
o If the participant is set at Secure, only the user who creates the participant can
view the information.
Bank Information –
• Enter the Bank Name and Bank Identifier. The Bank Identifier is the Banks routing
number. To perform a Bank look up:
o Click on Search
o Enter the search criteria and click on Search
o Select the bank name
o Click on Insert Bank Info or Search Again if necessary. Close will close the
search window and return you to the Add/Edit Entry window.
• Account # - Enter the participant’s bank account number.
• Account Type - Select the account type from the drop down menu.
Entry Detail –
• Enter dollar amount of transaction in dollars and cents.
• Click on the radio button for Debit or Credit when applicable.
• Additional details can be entered in the box for Discretionary Data.
Click on Add Entry.
Verify information and click on Next to continue.

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Step 2: Verify –

Review information for accuracy.

• Click on Confirm/Submit ACH Payment.
• Enter Token password for authentication.
• Click on Authenticate.
• A new message bar will appear indicating the ACH Payment Batch as been sent.

• The ACH batch has now been routed through the Approval Workflow and is waiting for
Approval.
Click on Done to continue.
The ACH Summary window will include the ACH payments created. An indicator for each ACH
Batch is added, such as Approval Pending.
The Note at the top of this window indicates the Cut-Off time for ACH Payment processing.
Payments approved and submitted after the cut-off time will be processed the next business
day.

Approving an ACH Batch for Sending

Once an ACH Batch is submitted, the ACH Batch will be sent for Approval and Release to
another user per the approval workflow. The approver will need to log onto Business Online
Banking, then approve and release the ACH Batch.
From the Home Page, click on the Approvals function tab.
Locate the ACH Batch waiting for approval.
 Approvals Action – click on the drop down menu to select an option.
 Hold will keep the file as Pending Approval.
 Release will release the ACH Batch for processing.
 Rejected will notify the creator the file has been rejected. Once
rejected, the creator will need to recreate the file for processing.
The rejected file cannot be maintained or used again.
 The Action Column includes an Inquiry Icon.
 Click on the icon to view the ACH Batch details.
 Click on Done to return to the Pending Approvals window.
 Click on Submit.
 Verify pending Approvals and click on Confirm to continue.
 Enter token password for authentication.
 Click on Authenticate.

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