Online Banking for Business ELECTRONIC FUNDS TRANSFER USER GUIDE

(1)

E

LECTRONIC

F

UNDS

T

RANSFER

(2)

ELECTRONIC FUNDS TRANSFER

4

Technical Requirements 5

Trusteer Rapport 6

Signing into Online Banking for Business 7

Resetting a Forgotten Password 9

Setting Up a SecurID Soft Token on Your Computer 11

Downloading the RSA SecurID Software for Your Computer 11

Installing the RSA SecurID Software on Your Computer 11

Importing a Software Token for Your Computer 14

SecurID Authentication Requirements in Electronic Funds Transfer 17

Authenticating with a SecurID Token in EFT 18

Authenticating with a SecurID Token in EFT when Setting Up a New PIN 19

Returning SecurID Hardware Tokens 20

Searching for Items in a List 22

Verification Statuses 23

Transaction-Type Codes 24

WORKING WITH SERVICE AGREEMENTS

28

Selecting a Service Agreement 30

Viewing your Service Agreement 32

Navigation Quick Reference for Service Agreements 34

Managing Payment Groups 36

Adding a Payment Group 37

Viewing a Payment Group 39

Modifying a Payment Group 42

Deleting a Payment Group 45

Viewing a Payment Summary 47

Managing Payments 49

Adding a Payment 51

Viewing a Payment 54

Modifying a Payment 58

Changing a Payment Amount 61

Deleting a Payment 63

Downloading Payments 67

Moving Payments Between Payment Groups 69

Moving a Payment – Selecting a Payment 70

Selecting a Payment Group to Verify 72

Verifying Payments and a Payment Group 73

Releasing Payments 76 Building a File 76 Authorizing a File 78 Releasing a File 80 Post-Delivery Tasks 82 Payment Statuses 82

(3)

Viewing Submitted Correction Requests 89

Viewing a Correction Request 90

Deleting a Correction Request 93

Verifying Correction Requests 95

Resubmission Requests 97

Managing Resubmission Requests 99

Resubmitting a Payment 102

Viewing Submitted Resubmission Requests 104

Viewing a Resubmission Request 105

Deleting a Resubmission Request 108

Verifying Resubmission Requests 111

Recall Requests 113

Selecting a Payment to Recall 114

Recalling a Payment 116

Recalling a Payment Group 118

Selecting a Payment Group to Recall 120

Recalling a File 121

Viewing Submitted Recall Requests 123

Confirming Files 125

Investigation 127

Tracing a Payment 127

Viewing Trace Payment Details 130

Requesting a Manual Trace 132

Viewing File Status 134

Viewing Payments Rejected by EFT 136

Viewing a Rejected Payment 138

WORKING WITH TRANSITS

140

Selecting a Transit 141

Viewing your Transit 142

Navigation Quick Reference for Transits 143

Tracing a Payment 144

Viewing Trace Payment Details 146

Managing Return Requests 149

Returning a Payment 151

Viewing Submitted Return Requests 153

Viewing a Return Request 154

Deleting a Return Request 157

Verifying Return Requests 159

GLOSSARY

161

(4)

ELECTRONIC FUNDS TRANSFER

The Electronic Funds Transfer (EFT) service enables you to pay suppliers and employees and debit customer accounts electronically at any financial institution in Canada.

When you work with this service, you use either service agreements, transits, or both.

With service agreements, you can create and maintain your own debit and/or credit payment files. You define settlement dates in advance, to save the costs of late or missed payments and eliminate the costly manual processes associated with preparing and processing cheques. For additional information, see "Working with Service Agreements" on page 28.

For financial institutions, you use transits to receive payment files on behalf of your clients. Transits identify your clients' accounts. For additional information, see "Working with Transits" on page 140.

To access the Electronic Funds Transfer service, select Payments & Receivables > Electronic Funds Transfer from the Online Banking for Business menu.

When you select this menu option, your home page in this service opens. This is one of the following pages, where you can view or change the scope of your work in this service for the current session:

If you are entitled to one service agreement, the Service Agreement page opens. For details, see "Viewing your Service Agreement" on page 32.

If you are entitled to multiple service agreements, the Select a Service Agreement page opens. For details, see "Selecting a Service Agreement" on page 30.

If you are entitled to one transit, and you are not entitled to any service agreements, the Transit page opens. For details, see "Viewing your Transit" on page 142.

If you are entitled to multiple transits, and you are not entitled to any service agreements, the Select a Transit page opens. For details, see "Selecting a Transit" on page 141.

The Electronic Funds Transfer documentation is organized for working with either service agreements or transit. Please ensure you refer to the appropriate section of the documentation when working with this service.

The information in this guide is also available in the Online Banking for Business User Guide and online help system.

To open the help system from within Online Banking for Business, click the Help button from any page.

To open the user guide from within this help system, click the View This Online Help System as a PDF link at the top right corner of every page.

Note about user access: Depending on your job, you may not be able to view all pages, or all functions in a page, or perform all the tasks outlined in this guide.

You can view an interactive demo of Online Banking for Business, including the Electronic Funds Transfer service, by clicking the View Demo button from any page. The demo opens in a new browser window or tab. Note: Viewing the demo is not supported in Microsoft Internet Explorer version 6.0.

(5)

TECHNICAL REQUIREMENTS

The following browsers and system requirements are recommended for the best performance: Supported Browsers

Internet Explorer 6, 7, 8. For the best online banking experience, Internet Explorer 8 is recommended. Minimum System Requirements

486/66-Mhz processor or higher (Pentium® III Processor recommended) with a Windows® based operating system (Windows Me, NT® 4.0 with SP6a and higher, 2000, or XP).

Encryption

Online Banking for Business is a secure site requiring a higher level of encryption security than what you might have installed on your computer. Your browser must be enabled with 256-bit encryption in order to access the system.

(6)

TRUSTEER RAPPORT

Enhance your security by downloading Trusteer Rapport, a robust online fraud and identity theft protection solution, at no charge. Trusteer Rapport adds another layer of protection to your existing antivirus and firewall software by safeguarding the connection between the bank and your computer against common online threats. The software also verifies that you are accessing the banks's genuine Online Banking site and not a phishing website claiming to be the bank, and it will take less than a minute to download onto your PC.

The software is now available for download from our genuine Online Banking sites login pages.

Note: If you already have Trusteer Rapport security on your PC, you do not need to re-download the software to use it when you are banking online with the bank. The site will already be configured to be protected.

(7)

SIGNING INTO ONLINE BANKING FOR BUSINESS

Only entitled users are allowed to access Online Banking for Business by signing in.

Note: Online Banking for Business is available in both English and Canadian French. To view the French sign-in page, click the Français link in the top right corner of the page. Your language setting for all other pages is defined in your user profile.

Note: You must enable JavaScript on a BlackBerry smartphone to access the Sign In page for Mobile Banking for Business. Recommendation: Install Trusteer Rapport. For details, see "Trusteer Rapport" on page 6.

To log into Online Banking for Business:

1. In your Web browser, navigate to the Online Banking for Business website,www21.bmo.com.

Note: Both Online Banking for Business and Mobile Banking for Business use the same website, and you sign into both sites using the address above.

Important: Ensure that your company's IT department enables any internal firewall software to accept the following addresses: www22.bmo.com and www23.bmo.com.

2. Enter the following information:

In theCustomer IDfield, enter your company's ID.

In theUser IDfield, enter the user ID assigned to you by the administrator.

In thePasswordfield, enter your password. If you are signing in for the first time, contact your administrator for your password.

3. Click the Sign in button. Your Home page opens.

Note: If you are required to authenticate using SecurID when you sign into Online Banking for Business, the SecurID Challenge page opens instead of your Home page. For instructions on authenticating with SecurID, see "Authenticating with a SecurID Token in EFT" on page 18. For instructions on authenticating with SecurID when you have a new or reset PIN, see "Authenticating with a SecurID Token in EFT when Setting Up a New PIN" on page 19.

(8)

Note: If you do not remember your password, click Forgot My Password. The Forgot Password page opens, where you can reset your password. For details, see "Resetting a Forgotten Password" on page 9. If you are not entitled to the self-serve password service, an error message is displayed. If this occurs, ask your administrator to reset your password.

Note: After three consecutive unsuccessful sign-in attempts, the system locks your user and password. If this happens, please ask your administrator to unlock your user and reset your password.

(9)

RESETTING A FORGOTTEN PASSWORD

When you forget your password and cannot sign in to Online Banking for Business, you can reset it with a temporary password.

Note: If you want to change your password when you are already signed in to Online Banking for Business, you can do this on the User Profile page.

To reset your password:

1. In the Online Banking for BusinessSign In page, click Forgot My Password. The Password Reset page opens.

Note: If you are not entitled to the self-serve password reset service, a warning is displayed. If this occurs, please ask your administrator to reset your password.

2. Enter the following information:

In theCustomer IDfield, enter your company's ID.

In theUser IDfield, enter the user ID assigned to you by the administrator. In theEmailfield, enter the email address on file for you at the bank. 3. Click Continue.

The bank sends your temporary password to your email address. This temporary password expires within approximately twenty minutes.

The Online Banking for Business Sign In page reopens.

Note: If you clicked Cancel, the Sign In page reopens without the bank sending you a temporary password.

4. Use the temporary password to sign in. For details, see "Signing into Online Banking for Business" on page 7. 5. After you sign in, you are prompted to create a new, permanent, password.

(10)

6. Type your new password in both fields.

7. Click Continue. Your password has been changed.

If you require SecurID to sign in, the SecurID Challenge page opens. For details, see "Authenticating with a SecurID Token in EFT" on page 18.

Otherwise, your Home page opens.

Note: You cannot exceed three unsuccessful attempts to reset your own password in a single day. If this happens, please ask your administrator to reset your password.

(11)

SETTING UP A SECURID SOFT TOKEN ON YOUR COMPUTER

Setting up a SecurID token on your computer requires the following main steps:

1. Download the RSA SecurID software from the RSA website. For details, see "Downloading the RSA SecurID Software for Your Computer" on page 11.

2. Install the RSA SecurID software on your computer. For details, see "Installing the RSA SecurID Software on Your Computer" on page 11.

3. Import a software token for your computer. For details, see "Importing a Software Token for Your Computer" on page 14.

Once you have completed this setup, you need to set up a new PIN. For details, see "Authenticating with a SecurID Token in EFT when Setting Up a New PIN" on page 19.

After you have set up a new PIN, you authenticate with SecurID as required, using your PIN. For details, see "Authenticating with a SecurID Token in EFT" on page 18.

Requirements

RSA SecurID tokens are supported on the following operating systems: Microsoft® Windows® 2000 Professional (SP4 and later)

Microsoft® Windows® XP Professional (SP2)

Microsoft® Windows® Vista Business and Enterprise (32-bit only)

Ensure that you have administrator privileges on your computer. Administrator privileges are required to install SecurID tokens.

Note: If RSA SecurID Token 4.0 or 4.1 for Microsoft Windows is currently installed on your computer, then skip this procedure and follow the instructions to import a software token. For details, see "Importing a Software Token for Your Computer" on page 14.

DOWNLOADING THE RSA SECURID SOFTWARE FOR YOUR COMPUTER

Before you download the RSA SecurID software from the RSA website, make sure you have reviewed the requirements. For details, see "Setting Up a SecurID Soft Token on Your Computer" on page 11.

1. Open the page for the RSA SecurID Software Token for Microsoft Windows software on the RSA website: http://www.rsa.com/node.aspx?id=1162.

Note: The RSA website is external to BMO and is managed by RSA.

2. Follow instructions on the RSA website to download RSA SecurID Software Token for Microsoft Windows to support 128-bit (AES).

Next, you need to install the software on this computer. For details, see "Installing the RSA SecurID Software on Your Computer" on page 11.

INSTALLING THE RSA SECURID SOFTWARE ON YOUR COMPUTER

Before you can install the RSA SecurID software on your computer, you must download it from the RSA website. For details, see "Downloading the RSA SecurID Software for Your Computer" on page 11.

(12)

For general information on setting up RSA SecurID software tokens, see "Setting Up a SecurID Soft Token on Your Computer" on page 11.

Note: Detailed RSA documentation is included in the doc folder of the zip file you downloaded. 1. On your computer, unzip the file you downloaded from the RSA website.

2. Browse to the folder that contains the unzipped installation file, for example, RSASecurIDTokenXXX.msi, and double-click this file.

The Install Wizard opens.

2. Click Next to begin the installation.

3. Click the appropriate radio button to select country where you ordered the software, and click Next.

(13)

5. Select theTypicalsetup type, choose Typical, and click Next.

(14)

7. After the installation completes, click Finish.

The RSA SecurID Token program is now installed, and RSA SecurID Token is displayed in the Start menu. Next, you need to import a software token for your computer. For details, see "Importing a Software Token for Your Computer" on page 14.

IMPORTING A SOFTWARE TOKEN FOR YOUR COMPUTER

Before you can import a software token for your computer, you must install the SecurID software. For details, see "Installing the RSA SecurID Software on Your Computer" on page 11.

For general information on setting up RSA SecurID software tokens, see "Setting Up a SecurID Soft Token on Your Computer" on page 11.

(15)

Acquire the file with the .sdtid extension from BMO Security Services.

Acquire the Database Distribution Password for each token from BMO Security Services.

You can import a software token either from an email attachment or from a file saved on your computer.

Importing a software token

1. If you are importing a software token from an email attachment: a. Double-click the file attachment, for example token1.sdtid. b. When prompted to open or save the attachment, click Open.

2. If you are importing a software token from a file saved on your computer, click Start > Programs > RSA

SecurID Token to start the RSA SecurID Token program. This program automatically detects token files that

you saved either to Desktop or My Documents and imports them. 3. If prompted, enter the file password and click OK.

4. If prompted to select a device where the token will be stored, click the name of the device, for example, Local Hard drive (RSA). If the word "Enabled" is not displayed next to the device name, click the Enable button to activate the device. Click OK.

A success message is displayed, and you are prompted to rename your token.

5. If you want to change the token name: a. Click Change Name.

(16)

b. Enter a name of between 1 and 24 characters, and click OK.

6. If you do not want to change the name, click OK to close the dialog box.

Next, you can set up a PIN for your SecurID token. You can do this the first time you authenticate with SecurID. For details, see "Authenticating with a SecurID Token in EFT when Setting Up a New PIN" on page 19.

(17)

SECURID AUTHENTICATION REQUIREMENTS IN ELECTRONIC FUNDS TRANSFER

When you authenticate with a SecurID token, you authenticate your identity to the system. SecurID authentication is required when using certain features of the Electronic Funds Transfer service, as indicated below.

When you authenticate with SecurID, you may be required to complete the following tasks: "Authenticating with a SecurID Token in EFT when Setting Up a New PIN" on page 19 "Authenticating with a SecurID Token in EFT" on page 18

When working with service agreements

For descriptions of the Client Release and Fixed Frequency payment options, see "Working with Service Agreements" on page 28.

Preparing payments – only for service agreements with the Fixed Frequency payment option

Feature Is SecurID authentication required?

entering payment groups only if verifying payments is not required for the service agreement entering payments

changing payment amounts

moving payments between payment groups

verifying payments and payment groups always

Releasing payment files – only for service agreements with the Client Released payment option

releasing payment files always

Confirming payment files – only when creating your payment file outside this service and submitting it for processing from another service:

confirming payment files always Corrections

entering correction requests only if verifying correction requests is not required for the service agreement verifying correction requests always

Resubmissions

entering resubmission requests only if verifying resubmission requests is not required for the service agreement verifying resubmission requests always

When working with transits

entering return requests only if verifying return requests is not required for the transit verifying return requests always

(18)

AUTHENTICATING WITH A SECURID TOKEN IN EFT

How do I get here?

TheSecurID User Authenticationpage opens when you are required to authenticate with a SecurID token while working in this service.

What can I do here?

Use this page to authenticate with your SecurID token when working in this service. For a list of features that require SecurID authentication, see "SecurID Authentication Requirements in Electronic Funds Transfer" on page 17.

Note: You must use the SecurID token assigned to the SecurID user ID specified in your user profile.

If you do not have a PIN yet for your SecurID token, see the instructions in "Authenticating with a SecurID Token in EFT when Setting Up a New PIN" on page 19.

What does the field mean?

Passcode

For a hardware token, type your PIN followed immediately by the tokencode displayed on your token. This is called your passcode. For example, if your PIN is 123456 and your tokencode is 204060, you type your passcode, which is: 123456204060.

For a software token on your computer, select Start > Programs > RSA SecurID Token to start RSA SecurID Token. Type the eight-digit passcode displayed by the token. For example, if your passcode is 57569877, you type: 57569877.

Note: Your must enter your PIN in the software token before it displays the passcode.

Note: Do not use a tokencode that you entered previously. If necessary, wait until the tokencode changes so that you can enter a new tokencode.

(19)

What do the buttons do?

To authenticate with SecurID, click Continue. The bank authenticates your SecurID. A message indicates that your passcode was accepted. Your action on the previous page (before this page opened) is completed. To reopen the page that was open previously without completing the SecurID authentication, click Cancel.

AUTHENTICATING WITH A SECURID TOKEN IN EFT WHEN SETTING UP A NEW PIN

TheRegister New PINpage opens when you are required to authenticate with a SecurID token while working in this service and you have not registered a PIN for your SecurID token yet.

Use this page to set up a new PIN for your SecurID token when working in this service. For a list of features that require SecurID authentication, see "SecurID Authentication Requirements in Electronic Funds Transfer" on page 17.

This page opens when you need to authenticate with a SecurID token when working in this service, and your token does not have a PIN set up. You enter the tokencode into thePasscodefield in the User Authentication page, as described below, and click Continue.

Note: You must use the SecurID token assigned to the SecurID user ID specified in your user profile.

Before you start – software token

1. Select Start > Programs > RSA SecurID Token to start RSA SecurID Token. You are prompted to enter the PIN.

2. Click the arrow in the Options box.

(20)

3. Click the Copy button. This copies the tokencode to your Clipboard.

4. Return to the SecurID User Authentication page in Online Banking for Business, and paste the tokencode into thePasscodefield.

Note: Do not use a tokencode that you entered previously. If necessary, wait until the tokencode changes so that you can enter a new tokencode.

The Register New PIN page opens, which is described below.

Before you start – hardware token

For a hardware token, enter only the tokencode in thePasscodefield of the SecurID User Authentication page. For example, if your token code is 204060, you type: 204060.

Note: Do not use a tokencode that you entered previously. If necessary, wait until the tokencode changes so that you can enter a new tokencode. The Register New PIN page opens, which is described below.

What do the fields mean?

New PIN

Your new PIN. The PIN must be six characters long.

For a hardware token, the PIN can include letters and numbers.

For a software token, the PIN can include only numbers. The first number cannot be zero (0). Verify new PIN

Re-type your new PIN. Tokencode

The number displayed on your SecurID token, which changes every 60 seconds. If necessary, wait for the tokencode on your token to change before proceeding.

For a hardware token, this is a six-digit number.

For a software token when you are creating a new PIN, this is an eight-digit number.

What do the buttons do?

To save your new PIN, click Continue. The User Authentication page reopens, where you are prompted to sign in with SecurID, using your passcode instead of your tokencode. For details, see "Authenticating with a SecurID Token in EFT" on page 18.

To reopen the User Authentication page without setting up a new PIN for your SecurID token, click Cancel.

RETURNING SECURID HARDWARE TOKENS

If you no longer require a SecurID hardware token, you can return it. Contact your company administrator, who can contact the bank relationship manager. Include instructions indicating the company name, customer ID, user name, user ID, and token serial number.

Note: For software token users, simply uninstall the RSA application. Return the SecurID hardware token to the following address:

(21)

Information Security Operations

4100 Gordon Baker Road Toronto, ON

M1W 3E8 Canada

Attention: Security Analyst

(22)

SEARCHING FOR ITEMS IN A LIST

Online Banking for Business displays a search box for most list pages, so that you can filter the items displayed in a list.

How do I use the Search box?

Enter information in one or more fields (they are all optional) and click Search. All items that match the search criteria are displayed in the list below the search box.

If you enter multiple search criteria, the results list displays only items that meet all search criteria .

How can I search with wildcards?

A wildcard is a character that may be substituted for any of a defined subset of all possible characters. The fields in search boxes have built-in wildcards at the beginning and the end of a string. This means that if you enter a group of characters, the system searches for all entries that contain that group of characters.

Example: Suppose you enter "enter" in a search box when searching for an account name. The system retrieves all entries containing enter, such as Enterprise and Centerpoint.

How can I search without wildcards?

To search without wildcards, put double quotes around the search term.

Example: Searching for "enter" retrieves only enter, not Enterprise or Centerpoint. In addition, any whitespace between the quotes is part of the search term.

How many search results can I see?

All search results are displayed.

(23)

VERIFICATION STATUSES

If your service agreement requires verification of payments, payment groups, correction requests, or resubmission requests, the record can have the following verification statuses:

Status Description

Complete The record has received all required verifications.

Pending The record still requires verification by one or more users. Your company defines the number of required verifiers, to a maximum of three. This is part of the initial service-agreement or transit setup for this service.

Rejected A user rejected this record while verifying it.

(24)

TRANSACTION-TYPE CODES

The following table lists the CPA (Canadian Payments Association) codes available in the Electronic Funds Transfer service.

Note: Although the CPA may assign additional transaction types in the future, only the transaction types listed here are available in this service.

Category Range Tran Type Description

Future Use 000-099 Unassigned

100-149 Unassigned

Clearing Items 150-199 Reserved for MICR Debits

Pre-Authorized Transactions 200-229 200 Payroll Deposit

201 Special Payroll 202 Vacation Payroll 203 Overtime Payroll 204 Advance Payroll 205 Commission Payroll 206 Bonus Payroll 207 Adjustment Payroll 230-239 230 Pension 231 Federal Pension 232 Provincial Pension 233 Private Pension 240-249 240 Annuity 250-259 250 Dividend 251 Common Dividend 252 Preferred Dividend 260-279 260 Investment 261 Mutual Funds 271 RSP Contribution

272 Retirement Income Fund

(25)

For Federal Use Only (Institution Numbers 117 and 177)

300-329 300 Federal Government

301 Agriculture Stabilization Payments

302 AgriInvest

308 Child Tax Credit

309 Goods and Service Tax

310 Canada Pension Plan

311 Old Age Security

312 War Veterans' Allowance

313 Canadian Pension Commission

314 Family Allowances

315 Public Services Superannuation

316 Canadian Forces Superannuation

317 Tax Refunds

318 Employment Insurance

320 Student Loan*

321 CSB Interest

(26)

Pre-Authorized Transactions 330-349 330 Insurance

331 Life Insurance

332 Auto Insurance

333 Property Insurance

334 Casualty Insurance

335 Mortgage Insurance

336 Health/Dental Claims Insurance

350-369 350 Loans

351 Personal Loans

352 Dealer Plan Loans

353 Farm Improvement Loans

354 Home Improvement Loans

355 Term Loans 356 Insurance Loans 370-379 370 Mortgage 371 Residential Mortgage 372 Commercial Mortgage 373 Farm Mortgage 380-399 380 Taxes 381 Income Taxes 382 Sales Taxes 383 Corporate Taxes 384 School Taxes 385 Property Taxes 386 Water Taxes 400-419 400 Rent/Leases 401 Residential Rent/Leases 402 Commercial Rent/Leases 403 Equipment Rent/Leases 404 Automobile Rent/Leases 405 Appliance Rent/Leases 420-429 420 Cash Management 430-449 430 Bill Payment

431 Telephone Bill Payment

432 Gasoline Bill Payment

433 Hydro Bill Payment

434 Cable Bill Payment

435 Fuel Bill Payment

436 Utility Bill Payment

(27)

Pre-Authorized Transactions 450-599 450 Miscellaneous Payment

451 Customer Cheques 452 Expense Payment 460 Accounts Payable 470 Fees/Dues 480 Donations 600-610 600 Provincial Government*

601 Family Support Plan

602 Housing Allowance

603 Income Security Benefits

604 Provincial Family Benefits*

605 Combined Fed-Prov Payment

606 Worker's Compensation Board

607 Employment Assistance

Future Use 611-649 Unassigned

650 Inter-FI Funds Debit

651-699 Unassigned

700 Business PAD

701-799 Reserved Business PAD for Business

Pre-Authorized Debits (PADs)

715 Commercial Equipment Rent/Lease

Internal Bank Use 800-899

Returned/Dishonoured Items 900-999 900 Edit Reject

901 NSF (Debit Only) 902 Cannot Trace 903 Payment Stopped/Recalled 904 Post/Stale Dated 905 Account Closed 906 Account Transferred 907 No Chequing Privileges

908 Funds Not Cleared

910 Payee/Payor Deceased

911 Account Frozen

912 Invalid/Incorrect Account No.

914 Incorrect Payor/Payee Name

915 Refused by Payor/Payee

990 Institution in Default

998 No Agreement for Returns

(28)

WORKING WITH SERVICE AGREEMENTS

When the bank does your setup for this service it creates service agreements. There are three types of service agreements (SAs), which define the types of debit and/or credit payment files you work with in this service:

Client Released: The system processes the payment file only when you release it for processing. You control

the delivery schedule and the value date for delivering the payments. The payments are manually entered on the bank system.

Fixed Frequency: This type of file is for fixed and recurring payments. The system maintains the delivery

schedule for the payments that you have defined. The payments are manually entered on the bank system.

Direct File Transmission: This type of service agreement enables you to create your payment file with your

own software and submit it for processing from another service, such as uploading it from the File Transfer Facility (FTF) service.

You require multiple service agreements in the following scenarios: You want to segregate payment files to control access.

You want to maintain both Client Released and Fixed Frequency payment files.

Note: To add another service agreement, contact your bank sales manager. Once the new service agreement has been added, the primary customer administrator can enable users with appropriate entitlements to access it.

Payments and payment files are organized by service agreement. If you have multiple service agreements, you must select the one to work with on the Select Service Agreement page. For details and instructions on opening this page, see "Selecting a Service Agreement" on page 30.

For an overview of the menu and menu items, see "Navigation Quick Reference for Service Agreements" on page 34.

When you work with service agreements, you use the following workflow to submit and track payments: Note: Mandatory steps are numbered, unless otherwise indicated. Optional steps are bulleted.

In the Payments menu, you...

1. Add one or more payment groups (previously known as batches). For details, see "Adding a Payment Group" on page 37. You can also perform the following related tasks:

View the payments in a payment group. For details, see "Viewing a Payment Summary" on page 47. Modify a payment group. For details, see "Modifying a Payment Group" on page 42.

View payment group details. For details, see "Viewing a Payment Group" on page 39. Delete a payment group. For details, see "Deleting a Payment Group" on page 45.

2. Add payments to payment groups. For details, see "Adding a Payment" on page 51. You can also perform the following related tasks:

Modify only the amount of a payment. For details, see "Changing a Payment Amount" on page 61. Modify a payment. For details, see "Modifying a Payment" on page 58.

(29)

Move a payment from one payment group to another. For details, see "Moving Payments Between Payment Groups" on page 69.

View payment details. For details, see "Viewing a Payment" on page 54. Delete a payment. For details, see "Deleting a Payment" on page 63.

Download payments. For details, see "Downloading Payments" on page 67.

3. Verify the payments and payment groups. For details, see "Verifying Payments and a Payment Group" on page 73.

Note: Verifying payments is available and required only if it is specified in your company's service agreement.

In the File Release menu, you...

4. Build a payment file. For details, see "Building a File" on page 76.

5. Authorize the payment file. For details, see "Authorizing a File" on page 78.

6. Release the payment file to the system for processing. For details, see "Releasing a File" on page 80.

In the Post Delivery menu, you can...

Correct a rejected payment. For details, see "Correction Requests" on page 83. Resubmit a returned payment. For details, see "Resubmission Requests" on page 97.

Recall a submitted payment, payment group, or payment file. For details, see "Recall Requests" on page 113. If you create your payment file with your own software and submit it for processing from another service, such as uploading it from the File Transfer Facility (FTF) service, you can confirm the file content before this service processes the file. For details, see "Confirming Files" on page 125.

Note: Confirming payment files is available and required only if it is specified in your company's service agreement.

In the Investigation menu, you can...

View the status of payment files and payments that have been released to the system. For details, see "Viewing File Status" on page 134.

(30)

SELECTING A SERVICE AGREEMENT

The Select Service Agreement page opens when:

You select Payments & Receivables > Electronic Funds Transfer from the menu if you are entitled to more than one service agreement.

You are already working in this service and you click the Change link next to the service agreement, if you are entitled to multiple service agreements.

Use theSelect Service Agreementpage to select a service agreement for your work in this service. This updates the

menu options available for the service agreement.

What do the columns mean?

Service agreement ID

The identifier that the bank assigns to this service agreement. Service agreement name

The legal name for the service agreement according to the funding agreement. Payment option

The payment option for the service agreement. There are two payment options:

Client Released: The system processes the payment file only when you release it for processing. You

control the delivery schedule and the value date for delivering the payments. The payments are manually entered on the bank system.

schedule for the payments that you have defined. The payments are manually entered on the bank system. Note: The payment option is blank if your service agreement type is Direct File Transmission. This enables you to create your payment file with your own software and submit it for processing from another service, such as uploading it from the File Transfer Facility (FTF) service.

(31)

What do the link and buttons do?

To work with a transit instead of a service agreement, click Select Transit.

If you are entitled to a single transit, the Transit page opens. For details, see "Viewing your Transit" on page 142.

If you are entitled to multiple transits, the Select Transit page opens. For details, see "Selecting a Transit" on page 141.

Available only if you are entitled to at least one transit.

To select a service agreement to work with, select it from the list and click OK. The Service Agreement page opens. For details, see "Viewing your Service Agreement" on page 32.

(32)

VIEWING YOUR SERVICE AGREEMENT

The Service Agreement page opens when:

You select Payments & Receivables > Electronic Funds Transfer from the menu if you are entitled to one service agreement.

You select a service agreement on the Select Service Agreement page and click OK.

TheService Agreementpage displays information about the service agreement for your work in this service.

Service agreement ID

The identifier that the bank assigns to this service agreement. Service agreement name

The legal name for the service agreement according to the funding agreement. Payment option

The payment option for the service agreement. There are two payment options:

Client Released: The system processes the payment file only when you release it for processing. You

control the delivery schedule and the value date for delivering the payments. The payments are manually entered on the bank system.

schedule for the payments that you have defined. The payments are manually entered on the bank system. Note: The payment option is blank if your service agreement type is Direct File Transmission. This enables you to create your payment file with your own software and submit it for processing from another service, such as uploading it from the File Transfer Facility (FTF) service.

What do the link and button do?

To choose a different service agreement and start working with it, click Change beside the current service agreement. For details, see "Selecting a Service Agreement" on page 30. Available only if you are entitled to multiple service agreements.

(33)

To work with a transit instead of a service agreement, click Select Transit.

If you are entitled to a single transit, the Transit page opens. For details, see "Viewing your Transit" on page 142.

If you are entitled to multiple transits, the Select Transit page opens. For details, see "Selecting a Transit" on page 141.

(34)

NAVIGATION QUICK REFERENCE FOR SERVICE AGREEMENTS

This section describes the menus, sub-menus, and menu items that are available when working with service agreements. For information about service agreements, see "Working with Service Agreements" on page 28. The menus, sub-menus, and menu items described below are available only if both:

The feature is specified for this service agreement. You are entitled to the feature for this service agreement.

Payments menu

Use this menu to manage payments and payment groups (formerly known as batches). It has the following options:

Add/Maintain: Opens the Manage Payment Groups page, where you can add, modify, view, or delete a

payment group, or view the payments in a payment group. For details, see "Managing Payment Groups" on page 36. You can also add payments to payment groups, modify, view or delete payments. For details, see "Managing Payments" on page 49.

Download: Opens the Download Payments page, where you can download payments. For details, see

"Downloading Payments" on page 67.

Move: Opens the Move Payment – Select Payment Groups page, where you can move payments between

payment groups. For details, see "Moving Payments Between Payment Groups" on page 69.

Verify: Opens the Verify – Select Payment Group page, where you can view payments and payment groups

pending verification, and verify payments and payment groups. For details, see "Selecting a Payment Group to Verify" on page 72.

Note: Verifying payments is available and required only if it is specified in your company's service agreement.

Release Payments menu

Use this menu to build, authorize, and release payment files. It has the following options:

Build: Opens the Build File page, where you specify which payment groups to include in the payment file you

build, and to assign value dates to those payment groups. For details, see "Building a File" on page 76.

Authorize: Opens the Authorize File page, where you authorize a payment file for release. For details, see

"Authorizing a File" on page 78.

Release File: Opens the Release File page, where you release a payment file for processing. For details, see

"Releasing a File" on page 80.

Post Delivery menu

Use this menu to perform post-delivery tasks, such as correcting rejected payments, resubmitting returned payments, and recalling submitted payments, payment groups, and payment files. It has the following sub-menus and options:

Correct sub-menu: Use this to correct rejected payments and manage correction requests.

Manage: Opens the Manage Correction Requests page, which displays rejected payments. Use this page to

create, view, and delete corresponding correction requests. For details, see "Managing Correction Requests" on page 84.

(35)

Request List: Opens the Correction Request List page, which displays correction requests that have not

been processed yet. For details, see "Viewing Submitted Correction Requests" on page 89.

Resubmit sub-menu: Use this to resubmit returned payments and manage resubmission requests.

Manage: Opens the Manage Resubmission Requests page, which displays returned payments. Use this page

to create, view, and delete corresponding resubmission requests. For details, see "Managing Resubmission Requests" on page 99.

Request List: Opens the Resubmission Request List page, which displays resubmission requests that have

not been processed yet. For details, see "Viewing Submitted Resubmission Requests" on page 104.

Recall sub-menu: Use this to recall payments, payment groups, and payment files, and manage recall requests. Payments: Opens the Recall Payment – Search page, where you can select a payment to recall. For details,

see "Selecting a Payment to Recall" on page 114.

Payment Groups: Opens the Recall Payment Group page, where you can create a request to recall a

payment group.

Files: Opens the Recall Files page, where you can create a request to recall a payment file. For details, see

"Recalling a File" on page 121.

Request List: Opens the Recall Request List page, which displays all requests that have not been processed

yet. For details, see "Viewing Submitted Recall Requests" on page 123.

Verify sub-menu: Use this to verify correction requests and resubmission requests, which submits them for

processing.

Corrections: Opens the Verify Correction Requests page, where you can view correction requests pending

verification and verify correction requests. For details, see "Verifying Correction Requests" on page 95. Note: Verifying correction requests is available and required only if it is specified in your company's service agreement.

Resubmissions: Opens the Verify Resubmission Requests page, where you can view resubmission requests

pending verification and verify resubmission requests. For details, see "Verifying Resubmission Requests" on page 111.

Note: Verifying resubmission requests is available and required only if it is specified in your company's service agreement.

Confirm File: Opens the Confirm File page, where you confirm the content of payment files created with your

own software and submitted for processing from another service, such as uploading them from the FTF (File Transfer Facility) service. For details, see "Confirming Files" on page 125.

Note: Confirming payment files is available and required only if it is specified in your company's service agreement.

Investigation menu

Use this to investigate processed payments and files. It has the following options:

Trace: Opens the Trace Payment page, you can trace a released payment. For details, see "Tracing a Payment"

on page 127.

File Status: Opens the File Status page, where you can view the status of payment files and payments that have

(36)

MANAGING PAYMENT GROUPS

Note: In the previous version of the Electronic Funds Transfer service, "payment group" was "batch".

TheManage Payment Groupspage opens when you select Payments & Receivables > Electronic Funds Transfer

> Payments > Add/Maintain from the menu.

This page displays all the payment groups for the service agreement specified near the top of this page. Use this page to add, modify, delete or view a payment group, or to view the payments in a payment group, and to add payments to and manage payments in a payment group.

What does the field mean?

Service agreement

The current service agreement. To choose a different service agreement and start working with it, click

Change. For details, see "Selecting a Service Agreement" on page 30. This link is available only if you are

entitled to multiple service agreements.

What do the link and buttons do?

To add a new payment group to this service agreement, click Add Payment Group. For details, see "Adding a Payment Group" on page 37.

To delete a payment group, select it and click Delete. For details, see "Deleting a Payment Group" on page 45. To modify a payment group, select it and click Modify. For details, see "Modifying a Payment Group" on page 42.

(37)

Note: You cannot modify a payment group that has been included in a built payment file. To modify a payment group in these circumstances, first remove it from the built file on the Build File page. For details, see "Building a File" on page 76.

To view information about a payment group, select it and click View. For details, see "Viewing a Payment Group" on page 39.

To add, modify, view or delete payments in a payment group, select it and click Payment List. For details, see "Managing Payments" on page 49.

ADDING A PAYMENT GROUP

TheAdd Payment Grouppage opens when you click Add Payment Group on the Manage Payment Groups page. For details, see "Managing Payment Groups" on page 36.

Use this page to add a payment group to the specified service agreement.

Note: There are three steps to adding a payment group. The progress indicator indicates the steps at the top of the page. The current step is displayed in blue; the other steps are displayed in grey.

(38)

Service agreement

entitled to multiple service agreements.

Payment group

A unique, five-character alphanumeric ID for the payment group. To choose a different payment group, click

Change. For details, see "Managing Payment Groups" on page 36. This link is not available on the Step 1 –

Enter Details version of this page. Description

A description of the payment group. Transaction type

A CPA (Canadian Payments Association) transaction type for the payment group. This code identifies the type of payment you are delivering to the recipient. For a list of supported transaction types, see "Transaction-Type Codes" on page 24.

Record type

The record type for the payment group. This is either Credit or Debit. Return bank – branch – account

The bank, branch (transit) and account information for the payment group, if the payment is returned. The bank number is four digits, the branch number is five digits, and the account number is a maximum of 12 digits. This information applies to all payments within in the payment group.

Optional Fields

All the fields in this section are optional. Any information specified here applies to all payments in this payment group.

Long name

The long name for all payments in this payment group. Usually this is your company's name. The payee's or payor's bank uses this to identify the originator of the payment. It may be printed on the recipient's account statement. Maximum length is 30 characters.

Short name

The short name for all payments in this payment group. Usually this is your company's abbreviated name. The payee's or payor's bank uses this to identify the originator of the payment. Maximum length is 15 characters. Cross-reference

If applicable, the cross reference for all payments in this payment group. This enables you to identify the payments within your internal records. You may want to cross reference a payment to a SIN number, or a policy number. Maximum length is 19 characters.

Amount

The dollar amount for all payments in this payment group. If you do not enter a decimal point, zero cents is assumed. Maximum length is 11 digits.

Offset bank – branch – account

The offsetting bank, branch (transit), and account for all payments in this payment group. Offsets enable you to move the funds from the funding account to another bank account. Available only if the service agreement for

(39)

this payment group is client released. For a description of client released, see "Working with Service Agreements" on page 28.

What do the links and buttons do?

To choose a different payment group, click Change beside the current payment group. For details, see "Managing Payment Groups" on page 36. Not available on the Step 1 – Enter Details version of this page. To verify the information you entered and proceed to the next step, click Review Payment Group. Available only on the Step 1 – Enter Details version of this page.

To correct any errors and return to the first step, click Previous. Available only on the Step 2 – Review Details version of this page.

To complete adding this payment group and proceed to the final step, click Finish. Available only on the Step 2 – Review Details version of this page.

To reopen the Step 1 – Enter Details version of this page so that you can add another payment group, click Add

Another Payment Group. Available only on the Step 3 – Complete version of this page.

To close this page without saving your changes and return to the Manage Payment Groups page, click Cancel. Available only on the Step 1 – Enter Details and Step 2 – Review Details versions of this page.

VIEWING A PAYMENT GROUP

The View Payment Group page opens when:

You select a payment group on the Manage Payment Groups page and click View. For details, see "Managing Payment Groups" on page 36.

You click the Details button for a payment group on the Verify Payments and Payment Group page. For details, see "Verifying Payments and a Payment Group" on page 73.

(40)

Use theView Payment Grouppage to view information about a payment group.

Service agreement

entitled to multiple service agreements. Payment group

The current payment group. To choose a different payment group, click Change. For details, see "Managing Payment Groups" on page 36.

Payment group

Description

(41)

Record type

Optional Fields

Long name

Short name

Amount

The offsetting bank, branch (transit), and account for all payments in this payment group. Offsets enable you to move the funds from the funding account to another bank account. Available only if the service agreement for this payment group is client released. For a description of client released, see "Working with Service

Agreements" on page 28.

Status

The status of the payment group. For a list and description of these statuses, see "Verification Statuses" on page 23.

Entered by

The user ID of the user who added this payment group, and the date and time when it was added. Verified by

The user IDs of the users who verified this payment group.

(42)

agreement. For details, see "Selecting a Service Agreement" on page 30. Available only if you are entitled to multiple service agreements.

To choose a different payment group, click Change beside the current payment group. For details, see "Managing Payment Groups" on page 36.

To view the payments in this payment group, click Payment Summary. For details, see "Viewing a Payment Summary" on page 47.

To return to the Manage Payment Groups page, click Cancel.

MODIFYING A PAYMENT GROUP

TheModify Payment Grouppage opens when you select a payment group on the Manage Payment Groups page and click Modify. For details, see "Managing Payment Groups" on page 36.

Use this page to modify a payment group.

Note: You cannot modify a payment group that has been included in a built payment file. To modify a payment group in these circumstances, first remove it from the built file on the Build File page. For details, see "Building a File" on page 76.

(43)

Service agreement

Payment group

Description

Record type

Optional Fields

Long name

Short name

(44)

Amount

Status

Entered by

The user ID of the user who added this payment group, and the date and time when it was added. Verified by

To save your changes to this payment group, click Finish. When the Manage Payment Groups page reopens, a message at the top of the page states that your update was successful.

To close this page without saving your changes to this payment group and return to the Manage Payment Groups page, click Cancel.

(45)

DELETING A PAYMENT GROUP

TheDelete Payment Grouppage opens when you select a payment group on the Manage Payment Groups page and click Delete. For details, see "Managing Payment Groups" on page 36.

Use this page to delete a payment group.

Note: Deleting a payment group deletes all payments in the group.

Service agreement

Payment group

(46)

Description

Record type

Optional Fields

Long name

Short name

Amount

Status

Entered by

(47)

Verified by

To delete this payment group, click Delete. A message box confirms that you want to delete this payment group. To delete it, click OK.

To close this page without deleting this payment group and return to the Manage Payment Groups page, click

Cancel.

VIEWING A PAYMENT SUMMARY

The Payment Summary page opens when:

You select a payment group on the Manage Payment Groups page and click View. For details, see "Managing Payment Groups" on page 36. You access that page by selecting Payments & Receivables > Electronic Funds

Transfer > Payments > Add/Maintain from the menu.

You click Payment Summary on the View Payment Group page. For details, see "Viewing a Payment Group" on page 39.

Use thePayment Summarypage to view a summary of payments in a payment group. You can also select a pay-ment type to see more information about these paypay-ments.

(48)

Service agreement

Grouped By

The payment summary is organized by the following payment types: Releasable payments: The payments available for release.

Payments on hold: The payments that someone in your company placed on hold. These payments are not available for release.

Payments not verified:The payments that require verification before they are available for release. This is relevant only if verifying payments is supported and required for this service agreement.

Rejected payments: The payments that have been rejected by the system or another financial institution. Payment group total: The total number of all payments in the payment group and the total dollar value of these payments.

Note: You cannot select thePayment group totalrow, because it is a summary of all payment types. You also cannot select a payment type without any payments.

Number

The number of payments in a payment category. Amount

The total dollar amount of the payments in a payment category.

To return to the previous page, click Previous.

To view the list of payments for one of the categories, select it and click Next. For details, see "Managing Payments" on page 49. Available only when a payment type is selected in the table above.

Note: You cannot add, modify or delete payments when you access them this way. To add, modify or delete payments, click the Payment List button on the Manage Payment Groups page. For details, see "Managing Payment Groups" on page 36.