Compass e-Access

Transcription

Compass e-Access

TREASURY MANAGEMENT
User Guide
Compass e-Access®
Table of Contents
Getting Started
1
Compass e-Access - Enhanced Services 25
Internet Service Providers
1
Image Services
25
Internet Browser Requirements
1
Electronic Report Delivery
27
Operating System Requirements
1
eStatements
27
Accessing Compass e-Access
1
Compass e-Access Mobile
1
Wire Transfer
29
Logging In
2
Domestic Wire Transfers
29
Additional Security Protection
3
Passwords
7
Logging Out
7
Drawdown Wire Transfer Requests 32
Federal Tax Payment Wire Transfers
34
International Wire Transfers
36
FX Report
37
Getting Familiar with Compass e-Access 8
Wire Approvals
40
Dashboard
Wire Reports
41
Wire Templates
42
Template Approval
44
Template Groups
45
Multiple Entry
45
Bank Short List
47
Tips for Success
8
10
Compass e-Access - Basic Services12
Information Reporting
12
Previous Day Quick Reports
12
Same Day Quick Reports
13
MultiDay Activity Reports
14
Automated Clearing House (ACH)
47
User-Customized Reports
15
Creating ACH Batches
47
Transaction Groups
16
ACH Batch Entry Maintenance
49
Favorite Reports
16
ACH Template Approval
52
Transaction Download
17
Updating Amounts
52
Cash Position Worksheet
17
Maintaining Participant Information
54
Deposit Item Detail Reporting
19
ACH Batch Activation
55
Book Transfers
20
ACH Batch Approval 58
60
Recurring Book Transfers 21
Exception Report
Multiple Entry
22
ACH Report
61
Book Approvals
23
ACH Pass-Thru
62
Reports
23
ACH Pass-Thru Approval
64
Stop Payments
24
ACH Pass-Thru Report
65
Input and Inquiry
24
Reports
25
TM-01-3008C rev. 02/16
Positive Pay
65
Viewing Only Specific Transaction Types
79
Positive Pay Report
65
Sorted View
79
Manual Check Issues
67
Viewing Lockbox Check and Document Images80
Manual Check Voids
67
Remitter Name
81
Issue Report
68
Positive Pay Import
68
Loans
83
Loan Report
83
Loan Payments
84
Reverse Positive Pay — Check Return Service69
Alerts
70
Loan Draws (Advances)
85
Alerts Set Up
70
Loan Approvals
86
Loan Transaction Report
87
Security Services
88
Enhanced Lockbox Reporting Module74
Password Reset
88
Lockbox Set Up and Manage Reports
74
Changing your Password Reset Security Questions 89
Conducting a Basic Search
76
One Time Passcodes
90
Conducting an Advanced Search
77
Viewing Reports
78
Contact Information
91
Other Report Viewing Options
79
Wireless Text Set Up
71
History Report
72
Getting Started
Internet Service Providers
Compass e-Access does not require you to use a specific Internet Service Provider (ISP). However, please be advised that
the connection speed offered by your ISP will affect the performance speed of the Compass e-Access system.
Internet Browser Requirements
Compass e-Access is compatible with the browsers listed below. To verify the version of your existing browser, launch
the browser and click on HELP, ABOUT. The browser version will display. Or, if you prefer, Compass e-Access will
automatically verify your browser’s security level the first time you access the web site. Should you need to upgrade to a
compatible browser, please visit the provider’s web site listed on the following page.
Browser Name
Supported Versions
Microsoft Internet Explorer
v8.0 - v10.0
Firefox
Google Chrome
22
27.0.1453.110
Apple Safari
6.0.5
Web Site for Updates
http://www.microsoft.com/windows/ie/default.asp
http://www.mozilla.com/en-US/firefox/ all-older.html
https://www.google.com/intl/en/chrome/browser/
http://www.apple.com/safari/
Operating System Requirements
Compass e-Access will run on any browser / operating system combination that is supported by the browser vendor
listed above.
Accessing Compass e-Access
After launching your Internet browser, type the following address in the URL line, click GO.
https://e-access.compassbank.com
To bookmark the page, click Ctrl-D at the same time. The site will be automatically saved to your “Favorites” folder.
Additionally, Authorized Users may be individually permissioned to use the Compass e-Access Mobile apps for iPhone,
iPad, and Android devices. These apps can be downloaded from the App Store or Play Store, as applicable.
Compass e-Access Mobile
Compass e-Access Mobile* allows you to view current and previous day balances with up to 30 days of detailed
transaction history.
Additionally, you can approve wire transfer, ACH batches and pass-thru files, initiate book transfers and ACH batches, and
create stop payment requests.
To ensure security, your same multifactor authentication methods (RSA SecurID token or One Time Passcodes), service
permissions and transaction limits all apply to both the Compass e-Access Mobile and Compass e-Access online
channels.
You may download free Compass e-Access mobile apps for iPad, iPhone and Android devices from the App Store and
Google Play, respectfully. The app is named Compass e-Access.
No matter which services you choose, you will find Compass e-Access easy to use and a valuable asset to your daily
operations.
*Message and data rates may apply. Check with your wireless carrier for details.
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Logging In
When you access the Compass e-Access site, you will see the following Login Screen. The Customer ID and Password
information plus your User ID will be provided to you by your Corporate Administrator. Your temporary User Password
was automatically generated and delivered to the e-mail address in your user profile. If you are missing any of your login
credentials, please contact your Corporate Administrator for assistance.
Tips:
• The Password fields are case
sensitive.
• You have three chances to log in
successfully.
• If you are having difficulty
logging in, please contact your
Corporate Administrator for
assistance.
If this is your first time logging into the system, you will be prompted to answer three security questions. These questions
will be used to identify you when you wish to reset your own user password. You must answer these questions to
proceed in Compass e-Access.
Every user must choose between using One Time Passcodes or an RSA SecurID® hard token for additional
authentication at login and before accessing certain services. The user’s choice of either One Time Passcodes or token
will be their authentication method for both the online channel and mobile channel.
If you select One Time Passcodes, you will need to enroll in the service before proceeding with the login process. You will
see the following screen:
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One Time Passcodes may be provided via multiple delivery channels, including text. All users are required to activate a
valid cell phone number that may receive One Time Passcodes via text or voice call to ensure uninterrupted access to
the system. When you have added all your information, press SUBMIT.
Verify that all your contact information is correct and press SAVE.
Additional Security Protection
To protect your online banking session and account information, users must download Trusteer’s Rapport security
application before completing the login process. BBVA Compass is making this software available for download free of
charge and it must be on all computers you will use to access Compass e-Access. Rapport provides additional protection
against, and will even remove, malicious viruses that attempt to steal your login credentials and other sensitive
information that most antivirus systems are not equipped to address. Trusteer’s Rapport will not interfere with your
computer’s existing security software.
This popup message will appear if Rapport is not present on the PC you are using. Even if you have downloaded Rapport
to your primary computer, you must also install it on any other computer(s) you may use in order to complete the login
process.
1. To download the software, click on the Download Now link.
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You will be presented with the following options.
2. Select RUN. You will be presented with the following screen message:
3. Again, select RUN.
4. Select OK.
4
5. Click INSTALL.
5
Once the download is completed, you will be presented with the following web site introducing you to Trusteer’s
Rapport application. Click to close and proceed with Compass e-Access.
Login Challenge
Depending on your authentication method, you will be presented with one of the following two screens:
Tip:
• If you use One Time Passcodes for
authentication, you will be presented with this
screen.
• Select which of your existing delivery options
you wish to receive your One Time Passcode
by clicking the applicable link.
• All users are required to activate a valid cell
phone number that may receive One Time
Passcodes via text or voice call to ensure
uninterrupted access to the system.
• When your six-digit passcode is received, enter
it into this screen and select CONTINUE.
Tip:
•If you use an RSA SecurID® token for
authentication, you will be presented with
this screen.
•Follow the token activation procedures as
outlined in the welcome letter received
with your token.
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Passwords
Next, you will be prompted to change the Password for your User ID. Passwords must be between 8 and 10 characters,
and must contain at least one capital letter and one number.
Once you are enrolled in One Time Passcodes (if applicable) and have installed Trusteer’s Rapport software application,
logging in will be a two-step process. Upon accessing the site, you will enter your 4 credentials then be authenticated
using with your token or One Time Passcode methodology.
Please Note: Due to the security enrollment procedures outlined above, new users must log into the Compass e-Access
web site from a PC for their initial login. Thereafter, users may access the system from either a PC or mobile device.
Logging Out
To exit Compass e-Access, simply click LOGOUT located at the top of your screen. For security purposes, it is
recommended that you log out of the system each time you step away from your desk or put down your mobile device.
Compass e-Access will automatically log you out of the online channel after 15 minutes of inactivity and out of the mobile
apps after 2 minutes of inactivity.
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Getting Familiar with Compass e-Access
After a successful log in, you will see either a landing page or your dashboard depending on your service permissions.
The parts of the screen are outlined below.
The main navigation menu has up to five “super” groups, including Payments, Reports, Risk Management, System, and
Admin. When hovering over a super group, you will see the main service groups and links directly to your permitted
services for streamlined access.
HELP — Online help information.
BULLETINS — Periodically, BBVA Compass
will send important news to you. A popup
will appear on your screen after you log
in to indicate you have new or unread
Bulletins. If you need to review a previous
bulletin, click here.
SUPPORT CENTER - Users can initiate
a live chat session with a BBVA Compass
support representative. Under Support
Center, users also have the ability to see
a list of Treasury Management support
contacts.
LOGOUT — Exit Compass e-Access.
User Login Information
Tip: Click on “TM Resource Central” to download or view the most current version of your Compass e-Access
User Guides. The User Name is “treasury” and the Password is “management”.
Note: When viewing Bulletins, please be sure you do not have “popup blocker” enabled. Or if you do have “popup
blocker” enabled, be sure to allow popup windows from the Compass e-Access site.
Dashboard
In the Financial Overview section, your first 10 accounts will show as the default display setting. Each Authorized User
may select which accounts (and in which order) they wish to include in this section for a quick check of balances. Click
on the Account Preferences button and select your desired accounts from the Available Accounts list, then click the
right arrow to move them to the Selected Accounts list. After you select individual accounts, use the up/down arrows to
arrange them in your preferred display order. Compass e-Access will allow a maximum of 100 accounts to display in this
section.
Users may also rearrange their dashboard widgets (Financial Overview, Transfers, and Administration). Place your cursor
in the header bar of the widget you wish to move, then drag it into the correct location.
Users authorized to approve transactions will see a link to any pending transactions needing approval in the Action
Required section in the right-hand panel. In addition, all Users will have quick links to their most frequently used services.
Users may also establish Favorite Reports of Previous Day and/or Same Day information that can be easily accessed
from this dashboard. Users permissioned to initiate Book Transfers may execute a transfer from this initial or main
screen.
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The screen footer includes links to BBVA Compass Home Page, Treasury Management’s Extranet, and a link to BBVA
Compass’ Privacy Policy and online security information.
Moving around the system is very easy and intuitive. The function you will use most is the main navigation menu. Simply
hover over the super groups to find your permitted services.
Tip: A User will only see those groups to which they have been granted access.
Click on the service you wish to use.
To streamline your Compass e-Access sessions, you may select the Landing Page you wish to see when you log in. For
example, if the first thing you wish to check is your lockbox deposits, you can designate the Lockbox Report as your
landing page.
6. To set your desired starting point upon login, hover over ADMIN in the main menu and select the SELF ADMIN
SERVICE link.
7. From the Landing Page dropdown list, select the service you wish to use as your starting point for each online
session.
8. At any time you can return to this screen and select a different landing page setting from the dropdown list.
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Tips for Success
Listed below are some useful Tips that will help Compass e-Access Users navigate throughout the system.
Archiving:
Compass e-Access maintains 120 calendar days worth of data. If you would like to keep
balance and transaction records older than 120 days, it is recommended that you export
this information to your local hard drive, server, or other storage media.
Automatic Logout/
Timeout:
If you are logged into Compass e-Access and do not perform some type of “activity” (such
as navigating to another screen) within 15 minutes, your session will automatically time
out. Should that occur, you will be presented with the “session timed out alert” popup box.
To extend your session without losing data, click RESUME. Or you may click LOGOUT to
exit immediately.
Bulletins:
Periodically, BBVA Compass will send important information to you using a Bulletin. A
popup box will automatically appear each time you log in until you have read all the
messages. If you need to review a message that you read previously, click on BULLETINS
located at the top of your screen.
Customer IDs, User IDs
and Passwords:
The Customer ID and Password are the same for all of your company’s Compass
e-Access Users. The Customer Password will not change. The User ID and Password
are unique to each individual User. Please remember that Passwords are case sensitive.
Compass e-Access will automatically prompt Users to change their User Password the
first time they log in and every 30 days thereafter. User Passwords should never be
shared with another User and should be kept strictly confidential.
Contacts:
If you need to locate a phone number, fax number, or e-mail address, click on SUPPORT
CENTER, then the CONTACT link. You will be presented with a listing of BBVA Compass’
Business Relationship Services groups and Treasury Management Sales.
Find/Refresh:
The FIND/REFRESH button is a very useful tool in the Compass e-Access system. If it
appears that something is missing from a menu, simply click the FIND/REFRESH button
and it should appear. If it still appears that the information is missing, be sure to clear out
any search criteria that may be present.
First Time Login:
The first time you log in to Compass e-Access you will be prompted to reset your User
Password and to answer several security questions which will allow you to reset your own
Password as needed. Be sure to keep your User Password confidential.
Groups:
The main navigation menu includes up to five super groups. When hovering over a super
group, you will see links to your permitted services.
If a service appears to be missing from your menu, then your User ID has not been
granted access to that service. Please contact BBVA Compass, if you need access to that
service.
Help:
Help is available online. Click the HELP link located at the top of your Compass e-Access
screen for information regarding the screen currently selected. Or, if you prefer, you may
click on SUPPORT CENTER to initiate a live chat session with a BBVA Compass support
representative.
Inactive User Lockout:
A User will be automatically locked out of Compass e-Access after 60 days of inactivity.
Logging in:
You have three attempts to log into the system successfully. Please remember that
Passwords are case sensitive. If you become locked out of the system you will need to
contact BBVA Compass for assistance in resetting your User Password. If a Corporate
User requires Password assistance they should contact a Corporate Administrator. We will
e-mail temporary passwords to the e-mail address in the user’s profile.
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Mobile Apps:
Users may be individually permission to use the Compass e-Access Mobile apps. You can
download the apps for iPhone and iPad from the App Store and the Android app from the
Play Store.
Money Transfer:
Money Transfer is also known as Wire Transfer.
Multi-factor
Authentication:
For your online banking security, Compass e-Access employs multifactor authentication
(MFA) in several places. All users must select a multi-factor authentication method to use
for secondary validation at login and when accessing certain Corporate Administration,
ACH and Wire Transfer services. Each User within a Customer ID may choose to use
either One Time Passcodes or a RSA SecurID token.
Navigation Tips:
You need only click one time in order to execute instructions within Compass e-Access.
When making selections, you can select one item by highlighting that item and clicking
once. Use your SHIFT key in conjunction with your mouse to select all available options.
If you would like to select multiple items from a list, use your CTRL key with your mouse
and simply click on each desired item. In several places you will see a Hold Selected
button under an account list. This feature allows you to select specific accounts and hold
them while you search for additional accounts to include in the report or query.
Numbers in Parenthesis:
When you are asked to input information you will sometimes see numbers in parenthesis,
for example: Name (40). The number represents the maximum number of characters that
can be entered in that field.
One Time Passcodes:
A User establishes one or more addresses for receiving text messages, voice messages
and/or e-mail messages. All users are required to activate a valid cell phone number that
may receive One Time Passcodes via text or voice call to ensure uninterrupted access
to the system. When the additional security is activated, the User selects the delivery
option for the passcode at that time. The user will receive a six-digit code and have three
attempts to enter the information correctly before proceeding with their transaction. One
Time Passcodes will be the default option when a new User is added. The User can
choose to stay with OTP or be switched to a RSA SecurID® token.
Red Type:
When you are entering information into Compass e-Access, some fields will be presented
in red type. This is a required field.
RSA SecurID® Token:
As an alternative to One Time Passcodes, Corporate Administrators, ACH Users and
Wire Users may elect to use a hard token, BBVA Compass will issue authorized users a
RSA SecurID token. The number displayed on the face of the token changes every 60
seconds. This number, along with your User ID and Personal ID must be entered into the
system within this time frame. Users have three attempts to enter this information before
becoming locked out of the system. If a User becomes locked out of the system, they
must contact BBVA Compass for assistance.
Web Site Address:
The URL address for Compass e-Access is https://e-access.compassbank.com. You can
save this address to your “Favorites” folder by clicking on Ctrl-D simultaneously.
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Compass e-Access - Basic Services
The Quick Reports feature gives authorized Users quick and easy access to BBVA Compass account balances and
transactions. Use the Previous Day service to view balances and transactions that posted to your company’s account(s)
on the previous business day.
1. Hover over REPORTS in the main menu, and click on the PREVIOUS DAY QUICK REPORT link. You will see the
previous business day’s balance information displayed on the lower portion of the screen:
2. Click the red arrow(s) on the left to view detailed account transaction information. The following screen will display:
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Closing Ledger:
The ledger balance right before change of day the previous business date.
Closing Available:
The Closing Ledger balance minus holds and any float right before change of day the
previous business date.
Opening Ledger:
The ledger balance at the start of day (the previous day Closing Ledger).
Opening Available:
The Closing Ledger from the previous business day minus holds, minus 2 or more days float,
plus available sweep balance.
Total Credits:
The total dollar amount of all credits that have posted to your company’s account(s) on the
previous day.
Total Debits:
The total dollar amount of all debits that have posted to your company’s account(s) on the
previous day.
Tips:
•If you are an Automated Loan or Automated Investment Sweep customer, your balances will be reflected here.
•If you have signed up for image services, a check icon will appear in the “Detail Debit Transactions” and “Detail
Credit Transactions” sections of the screen next to the applicable paper transaction. Click on the icon to view an
image of the posted item. For more information on how to use the image service, please refer to the “Compass
e- Access Image Services” section of this guide.
•If you subscribe to Deposit Item Detail Services, a magnifying glass icon will appear in the “Detail Credit
Transactions” section next to an applicable deposit. Click on the icon to view details of items included in that
deposit.
•Use the File Output feature to EXPORT the information into other software packages.
3. If you would like to view a Quick Report for other business days, enter the date or date range and select SUBMIT.
Tip: Compass e-Access will display a maximum of 45 calendar days worth of information at a time.
The Quick Reports feature gives authorized Users quick and easy access to BBVA Compass account balances and
transactions. Use the Same Day service to view current day balances and transactions, such as incoming and outgoing
wire transfers, ACH items, Controlled Disbursement presentments, Lockbox deposits, Returned Deposited Items, and
book transfers initiated using Compass e-Access.
1. Hover over REPORTS in the main menu, and click the SAME DAY QUICK REPORTS link. The information for the
current business day will display on the lower portion of the screen:
Tips:
• Click the calendar icon to
have a popup calendar
display.
• If you subscribe to
Returned Deposited Item
Imaging Services, an
icon will appear in the
“Detail Debit Transactions”
section of the screen. Click
on the icon to view an
image of the item.
• Use the File Output
feature to EXPORT the
information into other
software packages.
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Opening Ledger:
The ledger balance at the start of day (the previous day Closing Ledger).
Opening Available:
The Closing Ledger from the previous business day minus holds, minus 2 or more days floats,
plus available sweep balances.
Day’s Credits:
The sum of all detail credit transactions reported during the specified day.
Day’s Debits:
The sum of all detail debit transactions reported during the specified day.
Interim Ledger:
The Opening Collected balance plus the Day’s Credits minus the Day’s Debits.
2. Click the red arrow(s) on the left to view detailed account transaction information.
3. If you would like to view a Quick Report for other business days, simply enter the date or date range and
select SUBMIT.
Tip: Compass e-Access will display a maximum of 45 calender days worth of information at a time.
The Information Reporting service allows authorized Users to view previous day account activity over a specified period
of time in a statement format.
1. Hover over REPORTS in the main menu, and click the MULTIDAY link. The following screen will display:
Tip: Use EXPORT to export the information into other software packages.
2. Select the date range and accounts you would like to include in the report. You may also select sort criteria. After
making your selections, click SUBMIT. The information will display on your screen.
Tip: If you have signed up for image services, a check icon will appear in the “Detail Debit Transactions” and “Detail
Credit Transactions” sections of the screen next to the applicable paper transaction. Click on the icon to view an
image of the posted item online. For more information on how to use the image service, please refer to the “Compass e-Access Enhanced Services” section of this guide.
If you have signed up for Deposit Item Detail Services, a magnifying glass icon will appear in the “Detail Credit
Transaction” section next to an applicable deposit. Click on the icon to view details of the items included in that
deposit.
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User-Customized Reports
The Information Reporting service allows authorized Users to customize previous and same day reports.
1. Hover over REPORTS in the main menu.
2. Select either the PREVIOUS DAY link to view previous day information, or the SAME DAY link to view current day
balances, incoming and outgoing wire transfers, ACH items, Controlled Disbursement presentments, Lockbox
deposits, Returned Deposited Items, and book transfers initiated using Compass e-Access. The following screen
will display:
Tip: Use the PREFERENCES
button to modify the default
Report Characteristics including report style and account
order.
Use the File Output to EXPORT the information into
other software packages.
Use the “Download to
Quicken, QuickBooks” link to
quickly update your software
application using WebConnect Services.
3. Select the accounts, balance types, transactions and dates you would like to include in this report. You may also select
specific amounts, sort criteria and other Report Characteristics, as desired. After making your selections, click SUBMIT.
The information will display on your screen.
4. You can also search for a specific check number or transaction amount. First select the applicable account number(s)
and date range for the search. Then enter the desired amount range or check number(s) in the Query section. Click
SUBMIT and the selected information will display on your screen.
5. If you would like to view your balances in both US Dollars and a foreign currency, select the PREFERENCE button.
Under the heading “Allow currency conversion” select YES then click SUBMIT. Your Previous Day Reports screen will
now look as follows:
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6. You may either select a currency from the “Convert Currencies To” dropdown list or you may enter a specific
exchange rate for your calculation and click SUBMIT.
Note: The rates used in the currency converter dropdown list are pulled from the Foreign Exchange Report in Compass
e-Access. These rates are updated daily and are available from 8:00 a.m. to 2:30 p.m. CT. These foreign exchange rates
are used for originating International wire transfers and are a close approximation to currency exchange rates.
Transaction Groups
Authorized Users can further customize reports by establishing Transaction Groups. These groups contain selected
transaction types.
1. Hover over REPORTS in the main menu, and click the TRANSACTION GROUPS link. The following screen will display:
2. Enter a code in the “Code” field. Please note this is a unique code assigned by you. Enter a descriptive Transaction
Group Name in the “Name” field. Click ADD. The following screen will display:
3. Select the information you wish to include in this Transaction Group from the Inactive BAI Codes list by highlighting
them. Click on the right arrow to move your selections to the Active BAI Codes list.
4. The new Transaction Group will be available as a selection the next time you use Previous Day or Same Day
Information Reporting services.
Favorite Reports
This service allows Users to establish parameters only once for a report they want to generate quickly on a recurring
basis.
1. Hover over REPORTS in the main menu, and click the FAVORITE REPORTS link.
2. Click on the Add a Report button. The follow screen will display:
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3. Enter a report name then select the desired criteria for date range, output type, report content and display
preferences. Under Sharing you can specify if the report template is solely for your use or if it can also be accessed by
other Users with permissions to the account numbers included in the report. Then click SAVE.
4. Going forward, you can generate reports with the established criteria in one simple command. From either the
DASHBOARD, PREVIOUS DAY or SAME DAY screens you can generate your report from the “Run a Favorite Report”
dropdown list by simply clicking on the report name. You can view all Favorite Reports established by you or shared
with you by other Users by selecting the Favorite Reports service. You will be presented with the following screen:
From this screen you can either create another Favorite Report or run, edit or delete an existing report template.
Transaction Download
The Transaction Download service allows users to quickly download balances and transaction details into their Quicken
or Quickbooks software applications.
1. Hover over REPORTS in the main menu, and click on the TRANSACTION DOWNLOAD link. The following screen will
display:
2. Select the desired account(s) and date range you wish to download. Select the download button for the applicable
software application (i.e. Quicken or QuickBooks). A popup window will display asking if you want to open the
software application or save the data to upload later.
3. If you select OPEN, your software package will open and you will follow the applicable steps for importing the data
and updating account balances and activity.
Cash Position Worksheet
A company can subscribe to the Cash Position Worksheet service to help project current day balances. If this service
is permissioned to a User then all of that User’s accounts permissioned for Same Day Information Reporting will be
included on their cash position worksheet.
1. Hover over REPORTS in the main menu, and click on the CASH POSITION WORKSHEET link. The following screen
will display:
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2. The Opening Available Balance is the sum of the Closing Available Balance plus the One Day Float from the previous
day’s information. The Current and Estimated Cash Position balances are then updated as additional intraday
transactions are processed and reported. The Historical Average Cash Position balance is calculated using the
transaction information as reported for the past week and is presented for comparison purposes to help you project
your Estimated Cash Position based on trend analysis.
Note: For new customers or new accounts added to Compass e-Access, there will not be a balance under the Historical
Average Cash Position heading until a week’s worth of data is reported online.
3. A User may update or modify their Estimated Cash Position by entering transactions they are anticipating to occur
that day.
4. Click on the icon under the Manual Entry column heading to receive the Estimated Cash Position Calculator popup
box.
5. You can then enter a description and dollar amount for your anticipated entries. Remember that debit transactions
should be entered with a negative sign.
6. When a transaction has been manually entered, the icon will be green to signify additional information is being
factored into the Estimated Cash Position balance.
7. A User can click on the account number link to view the details included in the Current Cash Position and Estimated
Cash Position balances.
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Deposit Item Detail Reporting
A company can subscribe to Deposit Item Detail Reporting on specified accounts. If the service is elected, all Users
with access to the accounts for Previous Day Information Reporting will be able to view details of the items included in
applicable deposits. Applicable deposits include those made in a Branch or using Compass Remote Deposit Online®, but
do not include deposits processed in Lockbox Operations. Additionally, a company can further elect to view images of
these deposited items.
If you have signed up for Deposit Item Detail Reporting, you can view this information and images in Previous Day Quick
Reports, MultiDay Activity Reports and User-Customized Previous Day Reports.
1. Hover over REPORTS in the main menu, and click on the PREVIOUS DAY link.
2. Select accounts, balance types and dates you would like to include in your report as outlined in the “User Customized Reports” section of this guide, and click SUBMIT. The following screen will display:
3. Applicable deposits will have a magnifying glass icon in the Deposit Item Detail column. When you click on this icon
an additional browser window will open like the one below.
The deposit date and information from the deposit ticket will appear at the top of the screen. Each item included in the
deposit will be listed separately and will include the Account Number, Routing Number, Serial Number and Amount.
4. The deposit item listing can be sorted by each of the column categories. For example, to sort the deposit item list in
ascending amount order, you would click on the UP arrow in the Amount header bar. Similarly, to sort the listing in
descending Serial Number order, you would click the DOWN arrow in that header bar.
5. If you have signed up for Deposit Item Detail Reporting with Images, a check icon will appear to the right of each
deposit item in the listing. To view an image, click on that icon and an Image Browser window will open.
For more information on how to use the image browser functionality, please refer to the “Image Services” section of
this guide.
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6. After viewing an image, click the CLOSE button and you will return to the Deposit Item Detail report.
7. You may print a complete listing of all the items included in a deposit by clicking the PRINT button at the top of the
page. Additionally, you may export a Comma Separated Value (CSV) file of the complete deposit listing by clicking the
EXPORT button. Once you are finished reviewing this deposit item listing you should select the CLOSE button and
return to your Previous Day report.
Tip: If the deposit item detail cannot be displayed, you will receive a message indicating the requested information
is unavailable for display and suggesting you contact your local Business Relationship Services Representative for
assistance. The most common reasons why the deposit detail information would not be displayed include if the
deposit was out of balance or if the deposit included credits (deposit slips) to more than one account.
Book Transfers
Input
Book Transfers enable authorized Users to perform the same day transfer of funds between BBVA Compass accounts. In
order for book transfer requests to be processed on the same day as initiated, they must be submitted prior to 9:00
p.m. Central Time, Monday through Friday. Book Transfers submitted after 9:00 p.m. or during non-business days will
be processed the following business day.
1. Hover over PAYMENTS in the main menu, and click on the BOOK INPUT link. The following screen will display:
2. Select the From Account (debit account) and To Account (credit account) from the scrollable boxes.
3. For a single entry, one time only transfer, leave the transfer field at the “Once” default option, enter the dollar amount
and the date on which the transfer should occur.
Tip: You can submit a book transfer up to 30 calendar days in advance.
4. Click SUBMIT. You will receive a confirmation message showing the status of your transfer.
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Recurring Book Transfers
Recurring Book Transfers may easily be established to occur on a weekly or monthly basis. If you need a transfer to
occur daily, then you can setup five (5) weekly transfers specifying Monday – Friday as the transfer date.
1. After selecting the From and To accounts, select either a recurring frequency of weekly or monthly.
2. For weekly transfers, select the desired interval of every week, every 2 weeks, etc.
3. Specify the day of the week you wish the transfer to occur.
4. For monthly transfers, Compass e-Access offers the user a high degree of flexibility to target the intended dates for
the transfers.
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5. Regardless of recurring frequency selected, be sure to specify if the transfer should occur on the business day before
or after the non-business day should the intended transfer date fall on a holiday.
Established recurring transfers will appear at the bottom of the Book Input screen showing the transfer details and the
date of the next scheduled transfer.
Please note that all Book Transfer limits and Book Approval requirements apply to recurring book transfers. Recurring
book transfers with proper approval, if required, will be processed at 7:00 a.m. CT Monday through Friday. If a recurring
transfer requires approval and the approval is not completed prior to 7:00 a.m. CT the transfer will not process on the
intended date. If the transfer is scheduled to process weekly, approval must be completed for each weekly transfer.
Multiple Entry
1. If you have more than one book transfer to initiate at a time, you can streamline the process. From the BOOK INPUT
screen select the Switch to Multiple Entry button and you will see the following screen:
2. Select the “From” and “To” accounts then enter the Amount and Processing Date. Select the ADD TRANSACTION
button for a one-time transfer or select the Add Transaction as Template if you wish to establish a From/To account
pair that will be used repeatedly.
3. If you have previously established book transfer Templates, you can simply update the amount and processing date
information for the applicable template in the Transaction List. Select all the desired transfers you wish to initiate, then
click the Submit Selected Transaction(s) button.
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Book Approvals
Use the Book Approval service to approve or delete book transfer requests that have been initiated on behalf of
your company.
1. Hover over PAYMENTS in the main menu, and click the BOOK APPROVALS link. You will be presented with the
following screen.
2. Select the book transfer(s) you wish to approve and click Approve Selected. If you wish to approve all the book
transfers displayed on the screen, you can simply click Approve ALL without having to mark the individual transfers
first.
3. You will be presented with the following screen and given one more opportunity to approve the book transfer(s). To
approve the transfers select Approve ALL otherwise you can simply return to the prior approval selection screen.
4. Upon approving the book transfer(s) you will be presented with a confirmation screen.
Reports
Use the Book Transfer Reports service to view selected book transfers. This information is archived for 120 calendar days.
1. Hover over REPORTS in the main menu, and click on the BOOK REPORT link. The following screen will display:
2. Select the desired report criteria and click SUBMIT. The report will display on your screen.
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Stop Payments
Input and Inquiry
The Stop Payment service allows authorized Users to determine if an item has posted against the company’s account
and to place a stop payment on an outstanding check or range of checks. Stop payment requests must be submitted
between 7:00 a.m. and 9:00 p.m. Central Time, Monday through Friday. Stop payment requests attempted at any
other time may not be processed.
1. Hover over RISK MANAGEMENT in the main menu, and click on the STOP PAYMENT link.
2. Choose the appropriate account from the dropdown menu.
3. Select INQUIRY to determine if the item has already posted to your account. Select STOP to initiate a stop payment
request. The following screen will display:
Tip: If you would like to place a stop on a single check, enter the check’s serial number in the “number” field under
both the “from” and the “to” columns.
4. Enter the appropriate information. The check number is a required field.
Tip: If you are a placing a stop payment on a range of checks, enter zero (0) in the amount field.
5. Click SUBMIT. You will receive a confirmation message.
Tip: If the check has already posted to your account, you may request a photocopy by clicking on the green
“photo” button. If you have signed up for image services, you will be able to view an online image of the check. For
more information, please refer to the “Compass e-Access Image Services” section of this guide.
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Reports
The Stop Payment Report service allows authorized Users to view selected inquiry and stop payment requests. This
information is archived for 120 calendar days.
1. Hover over REPORTS in the main menu, and click on the STOP PAY REPORTS link. The following screen will display:
2. Select the desired report criteria, then click SUBMIT. The report will display on your screen.
3. You may place stop payments on outstanding items, cancel stop payments or request photocopies of paid items
from this report by clicking on the green action button next to the check.
Tip: If the check has already posted to your account, and you have signed up for image services, you will be able
to view an online image of the check. For more information, please refer to the “Compass e-Access Image Services” section of this guide.
Compass e-Access - Enhanced Services
Image Services
Image services allow you to view paper items that have posted to your BBVA Compass accounts online. Online images
of posted items are available for 120 calendar days. Compass e-Access offers the flexibility of accessing those images
using the following services:
User-Customized Reports (Previous Day and Same Day)
Stop Payments
Input and Inquiry
Reports
Positive Pay
Reports
Check Return Service
Tip: Detailed instructions for accessing these services are included in this guide.
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If your company has purchased image services, an icon resembling a check will appear next to the detailed transaction
information. An example of how this will appear is provided below:
1. To view the image, click on the checkbook register icon. Your browser will automatically open a new window and the
following screen will display:
PDF
Launches the Adobe Acrobat .pdf reader. You can save and print the image in .pdf format.
You must be using Adobe Acrobat version 7.0 or higher.
Back and Front
Use the Back and Front icons to view the alternate sides of the image.
Fit to Width
Displays the current image in a frame without margins. Use the scroll bar to view sections
of the image that are out of view.
Zoom In
Increases the size of the image
Zoom Out
Decreases the size of the image
Rotate Left
Rotates the image 90° counter-clockwise
Rotate Right
Rotates the image 90° clockwise
Invert Image
Inverts the image colors to create a negative image (dark colors are light and light colors
are dark)
Full Window Display
Expands the image frame to the full window. Click this button again in the full window
toolbar to return to the original image size.
Zoom Selection
Allows you to click and drag a rectangle over the image and crop the display to just the
section within the rectangle. You can print a cropped image.
Pan
Allows you to scroll across the image using the mouse instead of the scroll bar
Print
Displays the image print dialog box
Help
Displays the WebHelp for the Advanced Image Viewer
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Tips:
• If the required image does not appear to load, check to see if the image browser window is active on your
taskbar. If this window has been minimized, simply maximize it and the requested image will display.
• The version of your browser may affect the quality and size of the image when you print. Please consult your
browser’s help documentation for assistance in modifying your browser settings.
2. When you are finished, simply click the CLOSE button. You will be returned to the previous screen.
Electronic Report Delivery
The Electronic Reports service allows Authorized Users to view bank statements for assigned accounts and a variety of
other reports electronically. These reports are archived on Compass e-Access for 120 calendar days.
1. Hover over REPORTS in the main menu, and click on the ELECTRONIC REPORTS link. The following screen will
display:
2. Choose the desired report type from the dropdown menu.
3. Select the date or date range.
4. Click FILTER. A list of available reports will display.
5. Click on the text file link located under the File column to view the selected report and account number.
eStatements
The eStatements service allows Authorized Users to view and download bank statements delivered in PDF format.
1. Hover over REPORTS in the main menu, and click on the eStatements link. The following screen will display.
2. You may search for your desired accounts from either the permitted account list or by entering a specific account
number or account name. Highlight one or more accounts and click on the -> arrow to add them to your selected
accounts list.
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3. Statements are available for a rolling 12-month period. Use the From and To fields to filter your search.
4. Then select the Statement Search button. You will be presented with a list of statements fitting your account and
date range criteria.
5. Click on one statement cutoff date link. Your selected statement will be presented in a new PDF window. From this
point you may view, print or download your statement.
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Wire Transfer
Domestic Wire Transfers
The Wire Input service allows Authorized Wire Users to initiate outgoing domestic wire transfers from BBVA Compass to
other financial institutions using the Fedwire system.
A domestic wire transfer is an outgoing wire transfer in U.S. Dollars (USD) to a beneficiary with an account at a bank in
the United States.
In order for domestic wire transfers to be processed on the same day as initiated, they must be submitted to BBVA
Compass prior to 4:30 p.m. Central Time, Monday through Friday. Domestic wires submitted after 4:30 p.m., during
non-business days, or on Federal holidays will be processed the next business day.
Wire Input
To enter a domestic wire transfer, complete the following steps:
1. Hover over PAYMENTS in the main menu and click on the WIRE INPUT link. Depending on your authentication
method, you will be presented with one of the two following screens:
Tip:
screen.
Tip:
•If you use a RSA SecurID token for
this screen.
•Enter your RSA UserID and Passcode
(Personal ID plus the number displayed
on your RSA SecurID token) and click
SUBMIT.
•Be sure to enter the token number while
it is still displayed on your token. The
number changes every 60 seconds.
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2. Once authenticated, the following screen will display:
Tip: A Customer-Defined Template is a wire template that has been established by an Authorized Wire User at
your Company. Authorized Wire Users have the ability to create Customer-Defined Templates. A Bank-Defined
Template is a wire template that has been set up by BBVA Compass.
3. Select the domestic wire template or debit account you wish to use.
TEMPLATE INSTRUCTIONS: If you choose to use a wire template, select the wire template from the Available
Templates list. The following screen will display:
Tip:
•Domestic wire transfers can be future-dated.
•Ensure that the template selected has the correct Beneficiary Account information displayed, if the amount
of the wire is over $3,000 it falls under the Travel Rule requirements. These requirements state that the
beneficiary address should be supplied if that information is known by the originator at the time of wire
initiation. It is highly recommended that all wires over $3,000 contain the beneficiary address information so
that wire processing is not impacted or delayed.
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Enter the Amount (with a decimal point) and the Send Date. You may also enter “Originator-to-Beneficiary” and/or
“Bank-to-Bank” information as desired. Click SUBMIT.
ACCOUNT INSTRUCTIONS: If you choose to initiate a Free-Form Wire, first select PAYMENT from the Transfer Type
dropdown menu and then select the desired debit account from the Available Accounts list. Select DOMESTIC on the
next screen and click CONTINUE. The following screen will display:
Tips:
• Use the SEARCH button to select a domestic bank from your Bank Short List or from the BBVA Compass
Master List.
• Use the FREE FORM BANK button to enter domestic bank information not included in the BBVA Compass
Master List (not recommended).
• Ensure that the template selected has the correct Beneficiary Account information displayed, if the amount
of the wire is over $3,000 it falls under the Travel Rule requirements. These requirements state that the
beneficiary address should be supplied if that information is known by the originator at the time of wire
initiation. It is highly recommended that all wires over $3,000 contain the beneficiary address information so
that wire processing is not impacted or delayed.
Enter the Amount (with decimal point) and the Send Date. You may also enter “Originator-to-Beneficiary” and/or “Bank-toBank” information as desired. Click SUBMIT.
Tips:
• Domestic wire transfers can be future dated.
• Use the SAVE AS TEMPLATE button to save this Free-Form Wire as a Customer-Defined Template.
4. The Wire Transfer Review page displays.
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5. If no further approvals are required, the APPROVE button will be displayed at the bottom of the screen. Complete
your review and click APPROVE. The wire request will then be sent to BBVA Compass for processing. If further
approvals are required, the ENTER button will display. Complete your review and click ENTER. An additional
Authorized Wire User(s) must approve the wire transfer request before it will be sent to BBVA Compass for
processing.
Tip: For additional security, secondary approval is required on all Free-Form Wire Transfers $2,000,000 and over.
Drawdown Wire Transfer Requests
The Wire Input service allows authorized Users to initiate drawdown wire transfer requests from BBVA Compass to other
financial institutions using the Fedwire system.
Drawdown requests are instructions you initiate to debit your own or another party’s account at a different financial
institution. The party being debited must authorize the transfer. If the transfer is authorized, you will receive an incoming
wire to the credit account you selected in the drawdown request.
In order for drawdown requests to be processed on the same day as initiated, they must be submitted to BBVA
Compass prior to 4:30 p.m. Central Time, Monday through Friday. Drawdown requests submitted after 4:30 p.m.,
Drawdown Wire Transfer Requests
Wire Input
To enter a drawdown wire transfer request, complete the following steps:
1. Hover over PAYMENTS in the main menu, and click on the WIRE link. Depending on your authentication method, you
will be presented with one of the two following screens:
Tip:
screen.
Tip:
this screen.
SUBMIT.
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Tip: A Customer-Defined Template is a drawdown template that has been established by an Authorized Wire User
at your Company. Authorized Wire Users have the ability to create Customer-Defined Templates. A Bank-Defined
Template is a drawdown template that has been set up by BBVA Compass.
3. Select the drawdown request template or credit account you wish to use.
TEMPLATE INSTRUCTIONS: If you choose to use a drawdown template, select the drawdown template from the
Available Templates list. The following screen will display:
Tip: Drawdown requests can
be future-dated.
Enter the Amount (with decimal point) and the Send Date. You may also enter “Bank-to-Bank” information as desired.
Click SUBMIT.
ACCOUNT INSTRUCTIONS: If you choose to initiate a Free-Form Drawdown Request, first select Drawdown Request
from the Transfer Type dropdown menu and then select the desired credit account from the Available Accounts list. The
Tips:
• Use the SEARCH button to select
a domestic bank from your Bank
Short List or from the BBVA Compass
Master List.
• Use the FREE FORM BANK button
to enter domestic bank information
not included in the BBVA Compass
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Enter the requested Receiver and Routing information and click SUBMIT. The following screen will display:
Tips:
• Drawdown requests can be future
dated.
• Use the SAVE AS TEMPLATE button
to save this Free-Form Drawdown
Request as a Customer-Defined
Template.
Enter the Amount (with decimal point) and the Send Date. You may also enter “Bank-to-Bank” information as desired.
Click SUBMIT.
your review and click APPROVE. The drawdown request will then be sent to BBVA Compass for processing. If
further approvals are required, the ENTER button will display. Complete your review and click ENTER. An additional
Authorized Wire User(s) must approve the drawdown request before it will be sent to the bank for processing.
Federal Tax Payment Wire Transfers
If you are an authorized user for the Compass e-Access Wire Input module, you can initiate Federal Tax Payments using
the Fedwire system.
Federal Tax Payments can be sent conveniently with pre-formatted domestic same-day Wire Transfers. Having
pre-formatted wire input forms minimizes the risk of tax wire payments being returned and incurring IRS penalties.
In order for Federal Tax Payment requests to be processed on the same day as initiated, they must be submitted to
BBVA Compass prior to 4:30 p.m. Central Time, Monday through Friday. Federal Tax Payment requests submitted after
4:30 p.m., during non-business days, or on Federal holidays will be processed the next business day.
Wire Input
To enter a Federal Tax Payment wire transfer request, complete the following steps:
1. Hover over PAYMENTS in the main menu, and click on the WIRE link. Depending on your authentication method,
you will be presented with one of the two following screens:
Tip:
screen.
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Tip:
this screen.
SUBMIT.
3. Select Federal Tax Payment from the drop down menu. The following screen will display:
4. Select the debit account you wish to use.
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Enter the Taxpayer ID Number, Taxpayer Name Control and Taxpayer Name. Choose the Tax Type Code and enter the
Tax Year. Click SUBMIT. The following screen will display:
Enter the Amount (with decimal point) and any Optional Information needed. Click SUBMIT.
5. The Wire Transfer Review screen displays.
your review and click APPROVE. The Federal Tax Payment request will then be sent to BBVA Compass for processing.
If further approvals are required, the ENTER button will display. Complete your review and click ENTER. An additional
Authorized Wire User(s) must approve the Federal Tax Payment request before it will be sent to the bank for
processing.
International Wire Transfers
Compass e-Access allows Authorized Wire Users to originate international wire transfers from BBVA Compass to financial
institutions around the globe. International wire transfers may be sent in U.S. Dollars (USD) or many different foreign
currencies.
An international wire transfer includes the following types of wires:
1. An outgoing wire transfer in USD to a beneficiary with an account at a bank located outside the United States IF you
send the wire directly to an international bank for processing or
2. Any outgoing wire transfer in foreign currency.
In order for international wire transfers in USD to be processed on the same day, they must be submitted to BBVA
Compass prior to 3:30 p.m. Central Time, Monday through Friday. International wire transfers in USD submitted after
this time, during non-business days, or on Federal holidays will be processed the next business day. International wire
transfers in foreign currency must be submitted to BBVA Compass for processing prior to 2:30 p.m. Central Time
during business days.
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FX Report
The FX Report service allows authorized Users to view current foreign exchange (FX) rates used for international wire
transfers initiated using Compass e-Access. FX rates are updated each morning by 8:00 a.m. Central Time and are
good for that day only, until the cutoff time of 2:30 p.m. Central Time. Therefore, foreign currency wires may NOT be
future dated.
1. Hover over REPORTS from the main menu, and click on FX REPORT under the PAYMENT REPORTS heading.
2. Click on the map to view current FX rates for a particular region. If you would like to view all FX rates, click on
the ocean.
Tip: For custom rate quotes on all foreign currency wires over $50,000, please call our International Wire Transfer
Department at 1-800-239-9137.
Wire Input
To enter an international wire transfer, complete the following steps:
1. Hover over PAYMENTS in the main menu, and click on the WIRE INPUT link. Depending on your authentication
method, you will be presented with one of the following screens:
Tip:
screen.
Tip:
this screen.
SUBMIT.
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Tip: A Customer-Defined Template is a wire template that has been established by an Authorized Wire User at
your Company. Authorized Wire Users have the ability to create Customer- Defined Templates. A Bank-Defined
Template is a wire template that has been set up by BBVA Compass.
3. Select the international wire template or debit account you wish to use.
TEMPLATE INSTRUCTIONS: If you wish to use a wire template, select the template from the Available Templates list.
The following screen will display:
Tip: The current FX rate for the
currency selected is displayed.
This rate will be used for the
wire unless a valid custom
exchange rate and custom
rate confirmation number are
entered. Only international wire
transfers in USD can be future
dated.
Enter the Amount (with decimal
point) and the Send Date. If the template was set up to send the wire in foreign currency, you may also select DEBIT
AMOUNT from the Amount dropdown menu and enter the amount in USD. The system will automatically calculate the
foreign currency amount using the exchange rate displayed on the screen. You may also enter “Originator-to-Beneficairy”
and/or “Bank-to-Bank” information as desired. Click SUBMIT.
ACCOUNT INSTRUCTIONS: If you choose to initiate a Free-Form International Wire Transfer, first select PAYMENT from
the Transfer Type dropdown menu and then select the desired debit account from the Available Accounts list. Select
INTERNATIONAL on the next screen and click CONTINUE. The following screen will display:
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Tip: Use the SEARCH button to select an international bank from your Bank Short List or from the BBVA Compass
Master List. The Master List contains international banks with SWIFT codes.
Use the FREE FORM BANK button to enter international bank information not included in the BBVA Compass
Enter the requested Beneficiary and Routing information, select the currency you wish to send the wire transfer in and
click SUBMIT. The following screen will display:
Tips:
• The current FX rate for the currency selected is displayed. This rate will be used for the wire unless a valid
custom exchange rate and custom rate confirmation number are entered.
• Only international wire transfers in USD can be future dated.
• Use the SAVE AS TEMPLATE button to save this Free-Form International Wire as a Customer-Defined Template.
Enter the Amount (with decimal point) and the Send Date. When sending a free-form wire in foreign currency, you may
also select Debit Amount from the Amount dropdown menu and enter the amount in USD. The system will automatically
calculate the foreign currency amount using the exchange rate displayed on the screen. You may also enter “Originatorto-Beneficairy” and/or “Bank-to-Bank” information as desired. Click SUBMIT.
your review and click APPROVE. The wire request will then be sent to BBVA Compass for processing. If further
approvals are required, the ENTER button will display. Complete your review and click ENTER. An additional
Authorized Wire User(s) must approve the wire transfer request before it will be sent to the bank for processing.
Tip: For additional security, secondary approval is required for all Free-Form Wire Transfers $2,000,000 and over.
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Wire Approvals
Use the Wire Approval service to approve, delete, or edit wire transfers and drawdown requests that have been initiated
on behalf of your company.
1. Hover over PAYMENTS on the main menu, and click on the WIRE APPROVAL link. Depending on your authentication
Tip:
screen.
Tip:
this screen.
SUBMIT.
2. Once authenticated, a list of pending wire transfers will display:
Tips:
• Wire or drawdown requests may be modified by clicking the red arrow under Edit. If you edit a wire or
drawdown request, a different Authorized Wire User must approve it.
• Wire or drawdown requests may be deleted by checking the Del box, clicking SUBMIT SELECTIONS and then
SUBMIT.
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3. You may approve all wires or drawdown requests by clicking APPROVE ALL then SUBMIT. You may approve
individual wires or drawdown requests by checking the Appr box next to each selected item, clicking SUBMIT
SELECTIONS and then SUBMIT.
Wire Reports
The Wire Reports service allows Authorized Wire Users to view wire transfers and drawdown requests that have been
originated using accounts and wire templates to which they have access.
1. Hover over REPORT in the main menu, and click on the WIRE REPORT link. The following screen will display:
Tip: If you would like to
review drawdown requests,
select DRAWDOWN REPORT from the Report Type
dropdown menu.
2. Select the desired report criteria and click the SUBMIT button. The report will display.
Wire Transfer Status Definitions
Approved:
The future-dated wire transfer or drawdown request has been approved by all
required Authorized Wire Users.
Sent:
The wire transfer or drawdown request has been sent to BBVA Compass’ Wire
Transfer system. This is the final status for international wire transfers in foreign
currency.
Confirmed:
The wire transfer or drawdown request has been received by BBVA Compass’ Wire
Transfer system. This is the final status for drawdown requests.
Acknowledged:
The wire transfer request has been processed by the Federal Reserve Bank. The
Fed Reference Number will be displayed in the Wire Transfer Report detail.
Rejected:
The wire transfer request has been rejected. Please contact BBVA Compass for
assistance.
3. Click the magnifying glass to view details about a particular wire transfer.
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Wire Templates
The Wire Templates service allows Authorized Wire Users to create templates for their most frequently used wire
transfers and drawdown requests.
1. Hover over PAYMENTS in the main menu, and click on the WIRE TEMPLATES link. Depending on your
authentication method, you will be presented with one of the two following screens:
Tip:
screen.
Tip:
this screen.
SUBMIT.
3. Enter a code in the Code field. The Code is a nickname for the template. It is not included in the actual wire transfer.
4. Click the ADD button. The following screen will display:
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6a.If you wish to enter a wire transfer template, select PAYMENT from the dropdown menu, select the debit account
and click CONTINUE. Select either DOMESTIC or INTERNATIONAL on the next screen and click CONTINUE. You will
be presented with a wire transfer template setup screen:
Tips:
• Use the SEARCH button to
select a bank from your Bank
Short List or from the BBVA
Compass Master List.
• Use the FREE FORM BANK
button to enter bank
information not included in
the BBVA Compass Master
List (not recommended).
• Ensure that the template
selected has the correct
Beneficiary Account
information displayed, if the
amount of the wire is over
$3,000 it falls under the
Travel Rule requirements.
These requirements state
that the beneficiary address
should be supplied if that
information is known by
the originator at the time
of wire initiation. It is highly
recommended that all
wires over $3,000 contain
the beneficiary address
information so that wire
processing is not impacted or
delayed.
6b.If you wish to enter a drawdown request template, select DRAWDOWN REQUEST from the Transfer Type dropdown
menu, select the credit account and click CONTINUE. You will be presented with a drawdown request setup screen:
5.
Tips:
• Use the SEARCH button to
select a bank from your Bank
Short List or from the BBVA
Compass Master List.
• Use the FREE FORM BANK
button to enter bank
information not included
BBVA Compass Master List
(not recommended).
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7. Enter the requested information. Be sure to indicate if this template is to be saved for use by all Authorized Wire Users
or just by you.
8.Click SUBMIT. The new template will be available as a selection the next time you use Wire Transfer services.
Template Approval
The Template Approval service is an optional service that allows your company to require secondary approval of all new
or modified wire transfer and drawdown request templates. Please check with your company’s Corporate Administrator
to determine the level of approval required, if any.
Tip: If secondary approval is required, a new or modified wire transfer or drawdown request template will not be
available for use in the Wire Input service or the Multiple Entry service until approved.
1. Hover over REPORTS in the main menu, and click on the WIRE TEMPLATE APPROVAL link. The following screen will
display:
2. Select the template you would like to review and click the SELECT button. The following screen will display:
3. If you wish to approve this template, click the APPROVE button. The approved template is now available for use in the
Wire Input and Multiple Entry services.
4. If you wish to reject changes made to an existing template, click DELETE CHANGES.
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Template Groups
The Template Group service allows wire Users to create and manage groups of wire transfer templates that can be used
in the Multiple Entry service.
1. Hover over PAYMENTS in the main menu, and click on the WIRE TEMPLATE GROUPS link. You will be presented with
the following screen:
Tip: You may add new template groups and change, delete or display existing ones from this screen.
2. To create a new template group, enter a name in the Name field and click ADD. The following screen will display:
3. Select the templates that you would like to include in this group and move them to the Selected Templates box by
clicking on the right arrow.
4. Be sure to indicate whether this template group is to be saved for use by all Authorized Wire Users or just by you and
then click ADD.
5. You will receive a confirmation message. Click OK.
Multiple Entry
The Multiple Entry service allows Authorized Wire Users to initiate multiple wire transfer requests from a single page
using templates or previously defined template groups.
1. Hover over PAYMENTS in the main menu, and click on the WIRE MULTIPLE ENTRY link. Depending on your
Tip:
screen.
45
Tip:
this screen.
SUBMIT.
3. Select a previously defined template group. You may also select individual templates and then click INPUT WIRES.
The following screen will display:
Tip: Wires may be removed from this screen by selecting the wire(s) you wish to remove and clicking DELETE
SELECTED.
4. Check the box next to the template or templates you wish to initiate or click SELECT ALL.
5. Enter the Amount for each wire selected. Click ADD OBI if you wish to add Originator-to-Beneficiary Information.
6. Click SUBMIT SELECTED when complete.
7. A review screen will display. Click APPROVE/ENTER. A confirmation screen will display. If your company requires
secondary approval, additional Authorized Wire User(s) must approve these wire transfer requests before they will be
sent to BBVA Compass for processing.
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Bank Short List
Use the Bank Short List to create a customized list of your most frequently used wire transfer or drawdown request
banks.
1. Hover over PAYMENTS in the main menu, and click on the BANK SHORT LIST link. The following screen will display:
2. Enter the Bank Routing (or SWIFT) Number, Code, or Name to search for a particular bank, or click FIND to display all
financial institutions.
3. Select the desired bank(s) by highlighting the bank name.
4. Click the ADD button. The bank information will move to the Assigned Banks box. The list of Assigned Banks will
appear the next time you search for a bank when creating a Customer-Defined Template or when entering a wire
transfer or drawdown request.
Automated Clearing House (ACH)
Creating ACH Batches
The ACH Batches service allows Authorized ACH Users to create ACH batches and add entries to those batches. Once
created, batches can be reused to send live ACH transactions.
Tips:
• If you are originating tax payments, please refer to the ACH Tax Payments Quick Reference Guide.
• If you are originating International ACH Transactions (IATs), please refer to the International ACH Transactions
(IAT) Quick Reference Guide.
1. Hover over PAYMENTS in the main menu, and click on the ACH BATCH MAINTENANCE link. Depending on your
Tip:
screen.
47
Tip:
this screen.
SUBMIT.
3. Select the Company for which you wish to create an ACH batch from the Available Companies dropdown menu.
4. Click the ADD A BATCH button in the upper right hand corner. The following screen will display:
5. Enter the requested information.
Tips:
• The Batch Code is a unique code defined by your company that is not included in the actual ACH file.
• The Entry Description will be reflected on your employee’s or customer’s bank statement.
6. After you select the Transaction Type, the Create Prenote box will appear. Check (or uncheck) the box as appropriate.
Checking the Create Prenote box will cause the entire batch to be prenoted.
Tip: A prenote is a zero dollar entry that is typically used the first time a new entry has been added to an ACH
batch to verify that the bank information is correct. BBVA Compass does not require you to submit prenotes, but
highly recommends you do so.
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7. Unless you wish to make this batch automatically recurring, skip to step 11.
Tip: A recurring batch will automatically be activated based on the schedule you specify. Normal ACH approval
requirements will apply. Recurring batches should only be used for periodic payments where the frequency and
dollar amounts of the transactions in the batch do not change.
8. To make this a recurring ACH batch, click the ADD A RECURRING PAYMENT button in the upper right hand corner.
The following additional fields will be displayed at the bottom of the screen:
9. Select the Start Date, Activation Time and Recurrence Pattern (frequency) for this batch. The Start Date is the effective
entry date of the first batch.
Tip: If you select any frequency other than Daily, the system will prompt you to select Back Dated or Future Dated.
If an effective entry date of a recurring batch ever falls on a weekend or bank holiday, the system will automatically
back date or future date the batch to the closest business day based on your selection.
10. Once you are satisfied with the information, click ADD BATCH. You will receive a confirmation message. Click OK. The
new ACH batch will display in the list of batches.
ACH Batch Entry Maintenance
Adding, deleting and changing individual entries within an ACH batch can be accomplished through the ACH Batches
service.
authentication method, you will be presented with one of the following screens:
Tip:
screen.
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Tip:
this screen.
SUBMIT.
2. Once authenticated, select the Company that contains the ACH batch from the Available Companies dropdown list. A
list of ACH batches will display:
Tips:
• Batch information can be edited, including the frequency of recurring batches, by clicking the EDIT icon.
• Certain functions on this screen may not be available if the batch is not Approved.
3. Click the ENTRIES icon next to the batch you would like to add entries to. The Entry Maintenance screen will display:
Tip: If the dollar amount of the entry will remain the same each time you activate this batch, enter the amount. If
the dollar amount must be updated each time, enter zero to reduce the potential for error.
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4. Enter the requested information for each ACH entry. Be sure you do not include any spaces, dashes, or other special
characters when entering the information. However, you must use a decimal point when entering dollars and cents.
5. If this is the first time you are originating this ACH entry, you may wish to create a prenote. Click the CREATE
PRENOTE box if desired. This will create a zero dollar entry for this item.
Tip: Prenote entries in recurring batches will automatically change to live dollar entries after the first recurring
batch is sent. Prenote entries in non-recurring batches must be manually changed to Active prior to the first live
dollar entry.
6. Once you are satisfied with the information, click the ADD ENTRY TO BATCH button. You will receive a confirmation
message. Click OK. The information you just entered along with Batch Totals will be displayed at the bottom of your
screen as follows:
7. Repeat steps 5 through 7 for each new entry you add.
8. You may also make any necessary changes to entry information by checking the box to the left of the entry you
wish to change and clicking the EDIT SELECTED button. Click SELECT ALL and then the EDIT SELECTED button if
you wish to update all entries. If you do make any changes, be sure to click the SAVE CHANGES button and then the
UPDATE BATCHES button at the bottom of the screen. You will receive confirmation messages. Click OK.
9. Once you have completed adding or updating entries, click the RETURN TO BATCH SELECTION PAGE button at the
bottom of the page.
Tip: Use the DELETE SELECTED button at the bottom of the screen to delete entries from the ACH batch.
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ACH Template Approval
The ACH Template Approval service is an optional service that allows your company to require secondary approval of
all new or modified ACH batches. Please check with your company’s Corporate Administrator to determine the level of
approval required, if any.
Tip: If secondary approval is required, a new or modified ACH batch cannot be used until approved.
1. Hover over PAYMENTS in the main menu, and click on the ACH TEMPLATE APPROVAL link.
Tip: The details of each batch may be reviewed by clicking Details icon.
2. Once you have completed your review, select the batch or batches you would like to approve or reject by clicking on
the box to the left of each batch. You may also select all batches by clicking on SELECT ALL.
3. If you wish to approve the selected batch or batches, click the APPROVE SELECTED button. Approved batches are
now ready for use.
4. If you wish to reject the selected batch or batches, click REJECT SELECTED. Rejected batches may be deleted or
edited in the ACH Batches service.
Updating Amounts
The Update Amounts Only link in the ACH Payments - Batch Maintenance dropdown allows Authorized ACH Users to
permanently change the dollar amounts of ACH entries within a batch.
Tip: The Update Amounts Only link is also available while activating a batch. Please see the “ACH Batch Activation”
section for more information.
authentication methods, you will be presented with one of the two following screens:
Tip:
screen.
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Tip:
this screen.
SUBMIT.
2. Once authenticated, select the Company that contains the ACH batch from the Available Companies dropdown list.
3. Click the ENTRIES icon next to the batch that you wish to update the amounts. The Entry Maintenance screen will
display.
4. Scroll down and select Entries next to the batch containing the transaction to be edited and you will see the following:
5. Click the Update Amount Only link and scroll down to the Transaction Entries section. The following screen will
display:
6. Enter the new amounts as needed.
7. You may click the REFRESH TOTALS button at any time during the process to view updated Batch Totals.
8. When complete, click UPDATE BATCH at the bottom of the screen. Click OK to permanently save the changes made
to this batch.
9. You will receive a confirmation. Click OK.
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Maintaining Participant Information
The Participants service allows Authorized ACH Users to make changes to or delete participants from multiple ACH
batches in one step.
1. Hover over PAYMENTS in the main menu, and click on the ACH PARTICIPANTS link. Depending on your
Tip:
screen.
Tip:
this screen.
SUBMIT.
2. Select the desired ACH Company. The ACH Participants list will display.
3. Select the participant for which you are performing maintenance. ACH entry information will display at the bottom of
the screen in boxes ready to edit:
4. Change the information as necessary, or you may delete the participant from the batch. You can delete the
participant from one batch only by clicking the DELETE box, or you can delete the participant from all of this
Company’s ACH batches by clicking the DELETE PARTICIPANT button.
5. Click the SUBMIT CHANGES.
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Tips: This feature allows you to update an ACH participant’s information in all of an ACH Company’s batches in
one step. If you have Multiple ACH Companies, and the participant for whom you are performing maintenance
belongs to more than one ACH Company, you will need to perform the participant maintenance for each ACH
Company to which they belong.
ACH Batch Activation
The ACH Batch Activation service allows Authorized ACH Users to originate ACH transactions using previously defined
ACH batches. In order for ACH transactions to be processed on the same day as originated, they must be submitted
to BBVA Compass prior to 6:00 p.m. Central Time, Monday through Friday. ACH transactions submitted after 6:00
p.m., during non-business days, or on Federal holidays will be processed the following business day.
1. Hover over PAYMENTS in the main menu, and click on the ACH BATCH ACTIVATION link. Depending on your
authentication method, you will be presented with one of the following screens:
Tip:
screen.
Tip:
this screen.
SUBMIT.
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2. Once authenticated, select ALL COMPANIES or a specific ACH Company from the Available Companies list, click
DISPLAY BATCHES and scroll down. A list of available ACH batches will display:
3. Update the Effective Entry Date, if necessary, and enter a Descriptive Date, if desired, for the batches you wish to
activate. You may future date batches up to 7 business days.
4. Click the DETAILS icon next to an ACH batch if you want to view the transactions in that batch.
5. If you wish to update the amounts or edit transactions with an ACH batch, click the EDIT icon next to that batch and
scroll down. The following screen will display:
6. If you wish to update the amounts of the transactions, click the UPDATE AMOUNTS ONLY link. This service is only
available for ACH transaction types that do not support addenda information. The following screen will display:
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7. Enter the new amounts. Click the SAVE CHANGES TO THIS ACTIVATION ONLY button. The ACH transactions will
be processed with the amounts you just entered, but will NOT be saved permanently in the batch. You will receive 2
confirmation messages. Click OK.
Tip: If you have access to the ACH Batches service in the ACH Admin group (see “Creating ACH Batches”), you will
also see an UPDATE BATCH button at the bottom of the above screen. You may click this button if you wish to
save the amounts entered permanently in the batch. If your company has elected to use the Template Approval
service, the batch must then be approved before it can be activated.
8. From either of the above 2 screens, you may also edit entries by checking the box to the left of each entry or clicking
the SELECT ALL link and then clicking the EDIT SELECTED button. The following screen will display:
9. You may make changes to the amount, state (Active, Prenote, Frozen) and/or addenda record of each transaction,
if applicable. When complete, click SAVE CHANGES. You will receive a confirmation message. Click OK and then
click the SAVE CHANGES TO THIS ACTIVATION ONLY button at the bottom of the screen. You will receive two (2)
confirmation messages. Click OK on both.
Tip: If you have access to the ACH Batches service in the ACH Admin group (see “Creating ACH Batches”), you will
also see an UPDATE BATCH button at the bottom of the above screen. You may click this button if you wish to
save the amounts entered permanently in the batch. If your company has elected to use the Template Approval
service, the batch must then be approved before it can be activated.
10. When you have finished updating the ACH batch, click RETURN TO BATCH ACTIVATION PAGE. You will notice that
the updated batch has a status of Updated.
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11. When you are ready to activate the ACH batch, check the box to the left of the batch and click the ACTIVATE
SELECTED button. A confirmation screen will display:
12. Click OK or PRINT THIS PAGE if you wish to retain a paper copy.
ACH Batch Approval
The ACH Batch Approval service is an optional service that allows your company to require secondary approval of
activated ACH batches. Please check with your company’s Corporate Administrator to determine the level of approval
required, if any.
Tip: If secondary approval is required, an activated ACH batch will not be processed until approved.
1. Hover over PAYMENTS in the main menu, and click on the ACH BATCH APPROVALS link. Depending on your
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Tip: Prior to approving the batch,
you may review it by clicking
the DETAILS icon. You may also
delete it by clicking the DELETE
icon.
3. Review the Effective Entry Date for accuracy. This is the date the entries in this batch will post to your employees’ or
customers’ accounts. You may correct the effective entry date if needed.
4. Approve the desired batch or batches by checking the box to the left of each batch and clicking the APPROVED
SELECTED button. A confirmation screen will display:
5. Click OK or PRINT THIS PAGE if you wish to retain a paper copy.
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Exception Report
The Exception Report service notifies authorized Users if there were any errors related to recurring ACH batches. This
report should be viewed regularly if your company has elected to use recurring ACH batches.
1. Hover over REPORTS in the main menu, and click on the ACH EXCEPTION REPORT link. The following screen will
display:
2. Select ALL COMPANIES or a specific ACH Company from the Available Companies list and click the SEARCH button.
The list of recurring ACH batches will be displayed on the right.
3. Click the SELECT ALL link or choose an individual batch or batches by checking the box next to each batch.
4. Select desired Report Criteria, including the From and To Date and click SUBMIT. The following screen will display:
5. If errors occurred during the dates you selected, they will be displayed on the above screen. Click on the ERROR
DETAILS icon to view a description of the errors so they can be corrected going forward.
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ACH Report
The ACH Report service allows authorized Users to view activated ACH batches. In addition, you can delete ACH batches
that have not yet been processed by BBVA Compass.
1. Hover over REPORTS in the main menu, and click on the ACH REPORT link. The following screen will display:
Tip: If you wish to narrow the list of ACH batches, you may filter by Batch Code or Batch Name and then click the
SEARCH button.
2. Select DISPLAY ALL COMPANIES or a specific ACH Company from the Available Companies list and click the
SEARCH button. The list of ACH batches will be displayed on the right.
3. Scroll down. The following screen will display:
Tip: You may export ACH
batches by choosing either
a comma delimited or NACHA format and clicking the
EXPORT button. Exported files
may be imported back into
Compass e-Access.
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4. Select the desired Report Criteria and Report Characteristics, including the dates, and click SUBMIT. The report will
display on your screen:
Tip: Click the DETAILS icon to view the entries within that batch.
5. If you need to delete an ACH batch for any reason, and that batch still has an “Approved” status (it has not been
processed by BBVA Compass), you may delete it by clicking the ACTION icon next to the batch and then clicking OK.
Tip: If an Action icon does not appear next to a batch, that batch has already been processed. Please contact
BBVA Compass for assistance.
ACH Pass-Thru
The ACH Pass-Thru service allows Authorized ACH Users to transmit NACHA formatted files to BBVA Compass for
processing. This feature is beneficial if your company uses accounting software that can create and maintain ACH
transactions.
1. Hover over PAYMENTS in the main menu, and click on the ACH PASS-THRU link. Depending on your authentication
Tip:
screen.
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Tip:
this screen.
SUBMIT.
3. Click the BROWSE button to locate the file you wish to upload.
4. Click the LOAD FILE button. A message displays indicating that the load and validation process is in progress:
5. Click the CLOSE button.
6. Click the REVIEW PENDING button. A list of uploaded files will display:
7. Verify the file status as follows:
a. F – ACH pass-thru file failed (did not successfully load).
b. L – System is loading the ACH pass-thru file and verifying the file format.
c. S – ACH pass-thru file successfully loaded.
d. S(W) – ACH pass-thru file successfully loaded, but there were formatting warning messages.
8. Click the red arrow under Process. The details of the file will display. If your file failed (F) due to formatting errors, you
will need to make the required changes as outlined on the screen and upload the corrected file for processing. If your
file failed for any other reason, please contact BBVA Compass for assistance.
Tip: If your file was successfully loaded with warning messages, S(W), it contained minor formatting errors, but
can still be processed by BBVA Compass. However, these formatting errors should be corrected before uploading
additional ACH pass-thru files.
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9. If your file has a status of S or S(W), review the details and click ACCEPT to activate the file if everything is correct. You
will receive a confirmation message. Click CLOSE.
Tip: If the file is not “Accepted”, it will not be processed.
10. If the file has a status of F or is not correct, click DELETE, make the necessary corrections and reload the corrected
file.
ACH Pass-Thru Approval
The ACH Pass-Thru Approval service is an optional service that allows your company to require secondary approval of
activated ACH pass-thru batches. Please check with your company’s Corporate Administrator to determine the level of
approval required, if any.
Tip: If secondary approval is required, an activated ACH pass-thru batch will not be processed until approved.
1. Hover over PAYMENTS in the main menu, and click on the ACH PASS-THRU APPROVAL link. Depending on your
3. Prior to approving the ACH pass-thru file, you may review it by clicking the red arrow under Review. When complete,
click CLOSE.
4. If the information is correct, check the box under Select and click APPROVE SELECTIONS. A confirmation summary
screen will display. Click OK.
5. If the information is not correct, click the red arrow under Delete and then click OK.
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ACH Pass-Thru Report
The ACH Pass-Thru Report service allows authorized Users to view ACH pass-thru files that have been loaded into the
system.
1. Hover over REPORTS in the main menu, and click on the ACH PT REPORT link. The following screen will display:
2. Select the report from and to dates and click SUBMIT. The following report will display:
3. Please take note of the Status of each ACH pass-thru file. Successful files should be Accepted or Accepted/Approved,
if your company requires secondary approval of ACH pass-thru files. Otherwise, the file will not be processed. Failed
files should be deleted.
Positive Pay
Positive Pay Report
The Positive Pay Report service allows authorized Users to review and disposition entries, which appear as exceptions to
previously submitted issue files. Processing instructions must be entered prior to 12:00 p.m. local time. If a User does
not enter processing instructions for an exception item, the customer’s default instructions determine whether to pay or
return the item.
1. Hover over RISK MANAGEMENT in the main menu, and click on the EXCEPTION REPORT link. The following screen
will display:
Tip: The bank may be open
on days your office is closed
(e.g. days before/after Thanksgiving and Christmas if they
fall on Monday through
Friday). It is important to designate an alternate contact
(backup person) if you will
be out of reach. If we do not
hear from you, we will follow
the default disposition on file
for your exception items (e.g.
return unpaid all exceptions/
suspect items, including paidno-issue items).
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2. Select the account, check numbers, exception reasons, item statuses and other Report Characteristics you would like
to include in this report.
Tip: You may only make disposition decisions on items that posted the previous business day and are included in
the current day’s exceptions.
After making your selections, click SUBMIT. The following screen will display:
3. A User can review the list of exception items. If the customer subscribes to the image service, the User may also view
an image of the item by clicking on the check icon. For more information, please refer to the “Image Services” section
of this guide.
4. Processing instructions may be entered for each item individually or for all exceptions on the report. The processing
instruction choices are Pay, Return, or create an Issue. All Return instructions must be accompanied by a return
reason from the dropdown selection box.
5. Click SUBMIT INSTRUCTIONS. You will receive a confirmation message. After the daily cutoff time, a User cannot
enter processing instructions for that day’s exception items but can use the Positive Pay report to review exception
activity and processing instructions for up to 120 days.
Tips:
• The Submit button is required for saving any disposition instructions. If the Positive Pay Report also displays the
NEXT button, you must click the SUBMIT button before continuing to the next page of the report.
• Compass e-Access provides alert messages to the Positive Pay report that indicates if the cutoff time is
approaching for that account.
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Manual Check Issues
This service allows authorized Users to add manual check issue requests. After adding a manual check issue, the
information appears on the Issue Report.
1. Hover over RISK MANAGEMENT in the main menu, and click on the MANUAL ISSUE link under the POSITIVE PAY
header. The following screen will display:
2. Select an account number, then enter the check number and amount of the check record you wish to issue. Issues
may be for previous dates, but not for future dates. Click ADD.
3. Compass e-Access collects all the manual issues entered during the day for uploading to the Positive Pay system.
Issues entered after 9:00 p.m. Central Time will be collected on the following business day.
Manual Check Voids
This service allows the User to add manual check void requests. After adding a manual check void request, the
information appears on the Issue Report.
1. Hover over RISK MANAGEMENT in the main menu, and click on the MANUAL VOID link under the POSITIVE PAY
heading. The following screen will display:
2. Select an account number; enter the check number and amount of the check you wish to void. Click ADD.
3. Compass e-Access collects all the manual voids entered during the day for uploading to the Positive Pay system.
Voids entered after 9:00 p.m. Central Time will be collected on the following business day.
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Issue Report
The Issue Report Service contains all manual issues, manual voids, and imported issues and voids entered by all the
Users assigned to your Customer ID.
1. Hover over RISK MANAGEMENT in the main menu, and click on the ISSUE REPORT link under the POSITIVE PAY
heading. The following screen will display:
2. Select the accounts, dates, item statuses and other Report Characteristics you would like included in your report.
You may also select sort criteria and other Report Characteristics. After making your selections, click SUBMIT. The
information will display on your screen.
Tip: All issues and voids entered on the current business day will reflect as pending until 9:00 p.m. Central Time.
Thereafter, the status will reflect the issues and voids as processed.
Positive Pay Import
This service allows authorized Users to import a file of check issue and check void requests. The contents of the
imported file may be in either Comma Separated or Fixed Record format.
1. Hover over RISK MANAGEMENT in the main menu, and click on the POSITIVE PAY IMPORT link under the POSITIVE
PAY heading. The following screen will display:
2. Select Comma Separated Import Format or Fixed Record Import Format. The appropriate fields will be displayed.
3. Indicate the field position of each required data element. If using the Fixed Record format, you must also indicate the
length of each field. You may save this information if future imported files will follow this same set-up design.
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4. Select IMPORT FILE.
Tip: The Strip Leading Zero option defaults to “no.” Users are discouraged from changing this option, since many
account numbers begin with zeros. If these leading zeros are stripped, the import process may fail.
Reverse Positive Pay — Check Return Service
The Check Return Service, also known as Reverse Positive Pay, allows authorized Users to review checks posted to their
account(s), then submit instructions for returning applicable checks.
1. Hover over RISK MANAGEMENT in the main menu, and click on the REVERSE POSITIVE PAY link under the
POSITIVE PAY heading. The following screen will display:
2. Select the account to be reviewed. While a User may review check activity and disposition instructions for the past
120 days, return decisions may only be entered on checks posting the previous business day.
3. The User may also specify their choice of Report Characteristics. Click SUBMIT. The following screen will display:
4. From this screen the User can view which checks posted to their account. If the customer subscribes to the imaging
service, the User may also view an image of the item by clicking on the check icon. For more information on how to
use the image service, please refer to the “Image Service” section of this guide.
5. The User selects each check that should be returned by clicking in the applicable box in the Return column. All
Return instructions must be accompanied by a return reason selected from the dropdown box.
6. After making return decisions, click SUBMIT INSTRUCTIONS and you will receive a confirmation message. After the
daily cutoff time, a User cannot enter processing instructions for that day’s activity but can use the Check Return
service to review check activity and return instructions for up to 120 days.
Tip: The cutoff for return decisions is 12:00 p.m. local time for that account.
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Alerts
Alerts Set Up
The alerts service allows authorized users to receive notifications related to specific events, balances or transactions.
Some alerts are delivered on a regular schedule while others are sent in real-time depending on the alert type and
configuration.
1. Hover over REPORTS in the main menu, and click on the ALERTS NOTIFICATIONS link. The following screen will
display:
2. Select the time zone appropriate for your location.
3. Enter the applicable contact information for your desired delivery channel.
Tip: You may update and change your contact information as frequently as you wish. This allows you to select an
appropriate delivery channel for routine days plus select an applicable alternative delivery channel on days you
may be traveling. You may also select an Additional Contact Point to notify a backup person when you will be out
of reach.
4. Select the NEXT button or, if you are modifying your contact information, select the UPDATE CHANGES button.
Tip: You may designate quiet times when no voice or fax alerts will be delivered. Any alerts triggered during this
time span will be queued and delivered after the quiet time ends any e-mail alerts will be delivered whenever they
are triggered.
5. From the Setup Alerts button, select Add New Alert to view the alert types available for your company and User
permissions.
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6. Select the ADD button for the alert type you wish to establish.
7. Enter an applicable Alert Name for you to recognize this alert type.
8. Select from the list of applicable accounts which ones to include on the alert. For example, only accounts established
on the Wire Transfer service will be available for the Wire Transfer alerts.
9. Certain alert types, such as the Account Activity alert, allow you to further specify transaction types and/or threshold
criteria.
10. Choose the appropriate delivery channel to coincide with your contact points.
11. Select SAVE.
Wireless Text Set Up
1. If you selected the Wireless Text delivery option, you will be presented with the following screen:
2. Choose either the Wireless Text Phone Email Address option or Wireless Address Finder depending upon your
wireless device.
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3. Select NEXT.
4. If the Wireless Address Finder option is selected, enter the appropriate contact information.
5. Select SAVE.
History Report
This service provides the user with a history of alert notices they have received.
1. Select the ALERT HISTORY button.
2. Choose the specific alert you wish to review then click on the alert name hyperlink.
3. You can then review the accounts or information included in that alert, plus you can review what time the alert was
delivered to your designated delivery channels.
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4. If desired, you can forward this alert notification report to one of your contact points (an individual within your
organization). Forwarding an alert notification report is considered an additional alert.
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Enhanced Lockbox Reporting Module
Lockbox Set Up and Manage Reports
The Enhanced Lockbox Reporting module allows authorized Users to view both same day and previous day information
related to their established lockbox accounts. In addition, this module allows you to see images of both checks and/or
related documents (invoices, EOB’s, correspondence, etc.) that were received with your company’s daily remittance work.
The first time you enter this program, you may want to create at least one customized report for your specific needs and
data values or you may use the standardized reports already established for BBVA Compass lockbox customers.
1. To create your specific report preferences, hover over REPORTS in the main menu, and click on the LOCKBOX
MANAGE REPORTS link. The following screen will display:
2. To create your first report or to create new reports select the ADD A REPORT tab. Once a report is created; you can
modify or delete it by using the respective icons located on the right side of the screen
Tip: If you do not see all the lockbox IDs you wish to view, please contact your Corporate Administrator so that
you may be given permission for that specific lockbox ID.
When creating a report, you will need to define two distinct sets of report properties. The GLOBAL PROPERTIES tab
enables you to establish specific reports for a single lockbox ID or any combination of Multiple lockbox IDs that you have
permission to view. The second set of properties, or CUSTOM PROPERTIES, enables you to establish the specific set of
data fields that the report should contain. It is important to note that within the application you can establish as many
reports as you like as well as edit any existing report should you find changes are necessary.
1. Under the GLOBAL PROPERTIES tab, check the specific lockbox IDs that you wish to include in the report. You may
also select the SELECT ALL button to choose all lockbox IDs.
Tip: If you do not see all the lockbox IDs you wish to view, please contact your Corporate Administrator so that
you may be given permission for that specific lockbox ID.
2. Once you have selected the appropriate lockbox IDs, you will need to define the Report Name as well as Report
Heading. Once you have completed this step, elect the NEXT button or the CUSTOM PROPERTIES tab.
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Within the Custom Properties tab, choose “check transactions” from the transaction type dropdown menu. Next select
the field columns you would like to include in the report. Please note that while you may select all of the fields available
under the Available Columns listing, not all will be applicable for your respective lockbox IDs. However, all lockbox IDs
will have the following field columns available:
• Lockbox ID
• Check Sequence #
• Date Processed
• Customer Batch #
• Bank Batch #
1. To select specific field columns, click the open check box to the left of the desired column name.
2. Click the ADD SELECTED button to move the chosen column(s) to the Assigned Columns list. When finished,
select NEXT.
To change the name of the column displayed on the report or the order of the field columns:
1. Type the desired name in the box located to the right of the Current Name field. A maximum of 26 characters is
allowed. If nothing is entered in the script box, the current name will be used.
2. To change the field column order in the report, click on the ORDER dropdown menu located to the right of the
column name. You may select any number within the dropdown menu.
3. Once you have completed these steps, click the SAVE button to save all previous settings or click the FINISH button
to save all settings.
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After completing steps one through three above, go back to the transactions type dropdown menu and select “credit
card transactions” or “document only transactions”. Repeat steps one through three to design the reporting attributes of
each applicable transaction type. To see a sample of your new report, select the PREVIEW tab. The following screen will
display with your respective report settings:
Lockbox Reports
The lockbox reports function enables you to view data from which you can print and download lockbox reports, as well
as view images of checks and associated documents received on a particular day.
To view a report, you may either use the Basic Search or Advanced Search options. A Basic Search enables you to
query data by lockbox ID, date processed, and transaction type. The Advanced Search function allows you to query data
on specific lockboxes much like the basic search option; however it will also enable you to narrow your search based on
specific data fields captured.
Conducting a Basic Search
1. Hover over REPORTS in the main menu, and click on the LOCKBOX REPORTS link.
2. Within the Lockbox Report Criteria section, select one of the previously defined reports from the Report Type
dropdown menu. Your selection should be either one of your customized reports or the Standard Detail Report, but
not the Batch Standard Summary report.
Once you select the report to query, the screen will display tabs for conducting either a basic search or an advanced
search. Select the Basic Search tab.
Tip: To make future reports easier to access, you can select the “Default to this choice” box to establish a specific
report as the default each time you access the Reports tab.
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3. Next, define the report criteria:
a. In the Pre-selected Location dropdown menu, select a single location or all locations.
b. Select the DATE(S) parameters from the dropdown menu then select the appropriate date(s) by either entering
the date(s) or selecting from the popup calender(s).
c. Select whether you would like the report first sorted by date or lockbox ID.
4. Once the lockbox criteria have been defined, select a specific Lockbox Code. To select all lockbox codes, you may
select the SELECT ALL button.
5. Next select whether you would like to see transactions containing checks, credit card payments and/or transactions
containing only correspondence.
6. Once you have selected all report criteria, select the SUBMIT button to initiate the search.
Conducting an Advanced Search
1. To conduct an advanced search, select one of the previously defined reports from the Report Type dropdown menu
within the Lockbox Report Criteria screen.
2. Select the ADVANCE SEARCH tab.
3. Next, define the report criteria;
a. In the Pre-selected Location dropdown menu, select a single location or all locations.
b. Select the DATE(S) from the dropdown menu.
c. Select whether you would like the report first sorted by date or lockbox ID.
4. Once the lockbox criteria have been defined, select a specific Lockbox Code.
5. Next select transaction containing checks, credit card payments or transaction containing only correspondence.
6. Advanced Search criteria enable you to search for transactions based on specific data fields such as batch number,
check amount, remitter name and pre-defined invoice data (invoice number, invoice amount, patient name, etc.).
From the dropdown menu Search On select the data field for your search.
7. Next, select one of the respective search parameters in the Search Condition dropdown menu.
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8. Next, enter the specific value for your query. Please note that dollar amounts require the decimal point, but do not
allow commas or dollar signs.
9. To further refine your search, you may select the box by “And-Refine Your Search” to be presented with another
search criteria option. You may include a maximum of five data elements in each Advanced Search.
10. Once you have selected all report criteria, select the SUBMIT button to initiate the search.
Viewing Reports
After you have submitted either a Basic or Advanced search, the report screen will appear. Transactions will be displayed
in one of three sections: Check Transactions, Credit Card Transactions or Document Only Transactions.
The following screen is an example of a typical lockbox report:
Each line represents a transaction, which is defined by the envelope and all its contents. Transactions with multiple
checks or multiple data elements (i.e., a check associated with multiple invoice numbers) will have a “+” icon located
on the far left side of the screen. To view the additional contents, click on the icon and the additional data elements
will appear. By selecting the “+” icon in the column heading bar, you can view all data elements for all transactions as
depicted in the following screen:
To collapse the data elements, click on the “-” icon located at the far left of a specific transaction or in the column
heading bar.
Tip: To make the report easier to read some fields are suppressed from view. To view all fields within the report,
simply sort on the data by clicking on a column heading to sort in ascending or descending order.
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Other Report Viewing Options
Viewing Only Specific Transaction Types
Depending on the type of report you specify, you may select the DOCUMENT ONLY TRANSACTIONS button to view
transactions, which do not have an associated check. These transactions typically are envelopes containing invoices
from which data or correspondence may have been captured.
Tip: Unless you have instructed BBVA Compass to capture data from your correspondence only transactions, you
will only see the lockbox ID, date processed and batch number data fields.
To view Document Only Transactions, click on the DOCUMENT ONLY link located just above the report criteria. The
Similarly, you may select Credit Card Transactions as part of your report criteria to only display these payments.
Alternatively, if your report includes all three transaction types, you can easily go to a specific type transaction by clicking
on that transaction type link near the top of the report screen.
Sorted View
By selecting any specific data column you can sort transactions in ascending or descending order. For example, if you
want to sort by check amount, select the Check Amount column heading. The following screen would display:
Tip: When viewing report details in sorted order, some data fields may be repeated.
To return to normal viewing, click on the Grouped View radio button located just above the data fields.
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Viewing Lockbox Check and Document Images
Using one of the most powerful features of the Enhanced Lockbox service module, you can view check and document
images for same day deposits. Documents received in each remittance envelope will be displayed together in the image
viewer.
From the detail report screen, there are several ways to access lockbox transaction images.
1. The easiest way to view images of a particular transaction is to click the envelope icon located on the left side of the
detail report.
2. You may also select any of the data fields highlighted in blue as they serve as hotlinks to the specific image from
which the data was captured.
After completing steps 1 or 2 above, your browser will automatically open a new window showing all the images received
in that particular envelope:
In the normal view, a primary image will display in the large window with thumbnails of associated images along the left
side of the screen
Tip: To view one of the thumbnails as the primary image, you can simply click the thumbnail.
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Remitter Name
As an optional service, Compass e-Access provides a separate Remitter Name service which will enable your company
to input and store payor names in the Enhanced Lockbox Module so you can easily view this information on the detail
reports. As each transaction is displayed, the application matches the unique account number and routing number of
the check against the remitter name database stored within the system to display the respective payor name.
To access the Remitter Name service hover over REPORTS in the main menu, and click on the LOCKBOX REMITTERS
link.
To add a remitter to the database select the ADD A REMITTER button located at the top right corner of the viewing area.
Once the following screen appears, enter the desired remitter name with the appropriate ABA/Transit Routing Number
along with the Account Number found on the check. Please note that the application allows you to have different routing
and account number combinations for the same remitter name.
Once you have completed entering remitter name information, you should select the SAVE button to store the changes.
If you have a database of remitter name information already available, the Remitter Name Service allows you to easily
upload the data directly into the application. Select the IMPORT FILE button and the following screen will appear:
The application requires that only CSV formatted files may be uploaded. It is important to note that the Remitter Name,
Account Number and ABA/Transit Routing Number should be the only data elements present within the file. Once your
file is ready to be imported, select the position in which the respective fields appear within the file. Next, you may either
enter the FILE PATH and Name in the space provided or you can select the BROWSE button to find the file location.
Once the correct file name appears, you may begin the import process by selecting the IMPORT FILE button.
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Once your file has been uploaded, the Import File Review screen appears. This report shows the status and number of
items associated with each record imported into the system. If all records were loaded correctly, a green check mark will
appear on the far right of the screen. However, if some records were not accepted, the status will read “Partial”. Details of
the rejected items (records) will appear by selecting the DETAILS button.
To increase the effectiveness of the Remitter Name Service it is important that the account number and ABA/Transit
Routing Number be exactly as they appear on the check, including any leading zeros. If your application does not
include the leading zeros, the remitters will not be successfully matched with transactions.
Tip: If you need to include leading zeros, you can first upload the remitter information into Microsoft’s Word Pad
and then upload this file as a CSV formatted file.
Once you are in the detail report page, the remitter name will be displayed:
Should a transaction have an ABA routing number and account number combination that is not stored in the remitter
database, it will display “Assign Remitter Name” in the Remitter Name field.
To quickly assign a remitter name, you may select the “Assign Remitter Name Field” at which point you will be prompted
to enter a name. The ABA routing number and account number associated with this transaction will be automatically
entered into the remitter database. Each time a future transaction contains the same combination of routing and
account numbers, the detail report will automatically display the respective remitter name.
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Loans
The Loans service allows a User to view loan account balances and transaction activity. Additionally, authorized Users
may initiate loan payments and draws (advances) online.
Please note, some of the loan information displayed and functionality available will vary based on the loan type. For
example, advances are only permissible on line of credit accounts. Also there are some variances between tiered loans
and non-tiered loans. If you have any questions about your loan type, please call your Business Relationship Services
Representative for assistance.
Loan Report
The Loan Report allows authorized Users to view current balances for each eligible loan account as well as for each
eligible note (obligation) within a tiered loan account (obligor). Users may also view previous day activity that has posted
to these loan accounts, and for non-tiered loans you may also view intra-day transactions initiated through Compass
e-Access.
1. Hover over REPORTS in the main menu, and click on the LOAN REPORT link. The following screen will be presented.
2. Select the loan accounts (or obligors) and dates you want to include in this report and click SUBMIT. Information will
be available for 120 days; however each report query must be within a 60 day range. The following screen will display.
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3. Click the EXPAND ALL link at the top of the page to view Summary Activity and Account Activity details for all
eligible loans on the report. Or you may click on the “+” next to Summary Activity and/or Account Activity to view
details for a specific loan.
4. The loan balance information displayed is for the current day’s date regardless of the date range of the detailed
transaction account activity displayed.
5. Based on the loan account type and the permissions granted to each User, some loans will have links under the
Action heading for Payment and/or Draw. Selecting either of these links from the Loan Report will take you directly
to that service for the account number or specific note number you selected. Or you may access these transaction
options using the applicable menu links.
Loan Payments
To initiate a loan payment,
1. Hover over PAYMENTS in the main menu, and click on the LOAN PAYMENTS link. The following screen will be
displayed:
2. Select the transaction account to debit within the From Account list and the loan account to credit within the To
Account list and click CONTINUE.
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3. Enter the payment amount and the payment option type. Default Payment is your normal recurring payment which
may be comprised of both principal and interest.
The above screen shot depicts a tiered loan with multiple notes. Therefore, under the heading “Note” is a dropdown
list of all the notes (obligations) for you to select the applicable one for this payment. As a short cut, if you had
selected the Payments link from within the Loan Report, your desired loan account and specific loan note, if
applicable, would already be populated for you.
4. When you have entered your payment information, click SUBMIT. The following screen will be presented.
5. Review your payment information for accuracy and click SUBMIT. You will receive the following confirmation or
status notice of your payment.
Please be advised, that loan payments made after 9:00 p.m. CT and on non-business days will be processed on the
next business day.
6. Click OK. As a reminder, multiple payments may be made to a loan in the same day. For example, you may wish to
make a Default Payment as well as make an Excess to Principal payment. However, the two payments must be for
different dollar values to avoid inadvertent duplicate payments.
Loan Draws (Advances)
Loan advances are permissible from certain types of loan or line of credit accounts. To initiate a draw:
1. Hover over PAYMENTS in the main menu, and click on the LOAN DRAWS link. The following screen will be displayed:
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2. Select the loan account for which you want to make a draw within the From Account list and select the transaction
account you want to credit within the To Account list. As a short cut, if you had selected the Draw link from within the
Loan Report, the loan account information would already be populated for you. Then click CONTINUE.
3. Enter the amount of the draw and click SUBMIT. As a reminder, multiple draws may be made from a line of credit
in the same day, within the available credit limit. However, the draws must be for different dollar values to avoid
inadvertent duplicate advances.
4. Review the draw request information for accuracy then click SUBMIT. You will receive a confirmation or status notice
of your transaction.
5. Click OK.
Please be advised that loan draws made after 9:00 p.m. CT and on non-business days will be processed on the next
business day.
Loan Approvals
Use the Loan Approval service to approve or delete loan payments and/or draws that have been initiated on behalf of
your company.
1. Hover over PAYMENTS in the main menu, and click on the LOAN APPROVAL link. You will be presented with the
following screen.
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2. Select the loan payment(s) and/or draw(s) you wish to approve and click APPROVE. You will be given another
opportunity to review and or correct your approval decisions.
3. Upon approving the loan transfer(s) you will be presented with a confirmation screen.
Loan Transaction Report
Use the Loan Transaction Report to view selected loan payments and draws initiated through Compass e-Access. This
information is available for 120 calendar days.
1. Hover over REPORTS in the main menu, and click on the LOAN TRANSACTION REPORT link. The following screen
will be displayed:
2. Select the desired report criteria and click SUBMIT.
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3. To view details of a selected transaction, click on the applicable customer trace number link to display the following
information:
Security Services
Compass e-Access enables authorized users to reset their own User Password as needed, as well as update the delivery
options and addresses for One Time Passcodes (if applicable).
Password Reset
The Password Reset service allows enrolled Users to reset their own password when needed or when they have
forgotten their password.
1. Hover over SYSTEM in the main menu, and click on the PASSWORD MAINTENANCE link. The following screen will
display.
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2. If a User has already enrolled in the Password Reset service by answering the security questions, you may change
your password by selecting the Change Your Password link. Upon successfully answering all three challenge
questions, you will be presented with the following screen:
3. Enter your current password and your new password. Remember passwords must be 8-10 characters and must
contain at least one capital letter and one number. Select SUBMIT. You will receive a confirmation notice that your
password was successfully changed.
If you have forgotten your password you may reset it prior to logging in if you are enrolled in the Password Reset service.
After entering your Customer ID, Password and User ID you may select the Forgot your User Password? link. After successfully answering the security questions you will be presented with a screen to change your password. You will receive
a confirmation that your password was changed. You will also receive an email stating your password has been changed.
If your Compass e-Access User profile does not include an e-mail address you will not be able to use the Password Reset
service. Please check with your Corporate Administrator.
Changing your Password Reset Security Questions
1. Hover over SYSTEM in the main menu, and click on the PASSWORD MAINTENANCE link.
2. Then select the Change Your Security Questions link. You will be presented with the following screen:
3. You must first successfully answer the existing security questions. Then the following screen will display giving you a
chance to change your security questions and answers:
4. Select a question from each of the three dropdown lists and answer in the corresponding field. Select SUBMIT. You
will receive a confirmation that your security questions were successfully updated.
89
One Time Passcodes
Once enrolled in One Time Passcodes, a User may change or add to their delivery options or contact information.
1. Hover over ADMIN in the main menu, and click on the SELF ADMIN link.
2. For added security, Users must be successfully authenticated with their existing delivery options before adding or
modifying their delivery information. The following screen will appear:
3. Select which of your existing delivery options you wish to receive your One Time Passcode by clicking on the
applicable link. The following screen will appear.
4. When your six-digit passcode is received, enter it into this screen and select CONTINUE.
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5. Select the One Time Passcode tab to display your current delivery settings.
6. You can add additional contact options as well as charge or delete current delivery options. You may have up to three
addresses for each delivery option. Once you are satisfied with your settings, by sure to SUBMIT.
7. You will then verify your information again and click SAVE.
Contact Information
Business Relationship Services Voice
Fax
E-mail
Alabama & Florida
1-800-607-4444
205-297-6140
[email protected]
Arizona, California, Colorado,
New Mexico & El Paso, TX
1-800-236-2059
1-866-710-5186
[email protected]
South Texas
1-800-570-2791
1-713-993-8551
[email protected]
North Texas
1-866-876-4922
1-877-527-9736
[email protected]
91
TM-01-3008C rev. 02/16
BBVA Compass is a trade name of Compass Bank, a member
of the BBVA Group. Compass Bank, Member FDIC.

Compass e-Access

Transcription

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