Reference Guide - Santander Bank

Transcription

Reference Guide
For Santander Bank’s
Business Online Banking
Santander Bank
Bank is
is aa Member
Member FDIC
FDIC and
and aa wholly
wholly owned
owned subsidiary
subsidiary of
of Banco
Banco Santander,
Santander, S.A.
S.A. ©
© 2010
2013 Santander
Santander Bank
Bank ||
Santander
Santander and
and Santander
its logo areand
registered
of Santander
and Santander,
respectively,
orrespectively,
their affiliatesorortheir
Santander
its logotrademarks
are registered
trademarksBank
of Santander
Bank and
Santander,
subsidiaries
in the United
and States
other countries.
affiliates
or subsidiaries
in States
the United
and other countries.
Table of Contents
Managing User Profiles
4
Modify Account Names
12
Home Page Balances
14
Information Reporting
Select a Report
Report Criteria
Select a Report View
Transaction Search
Exporting Report Results
Exporting Report Results in BA12 Format
Download to QuickBooks® or Quicken®
15
16
16
17
17
18
21
22
Account Transfers – Real Time
Creating / Releasing a Transfer
Editing Multi-Entry Templates
Deleting Transfers
25
25
26
28
ACH Payments
Adding a Database
Editing Database Entries
Creating/Releasing Reports
Generating Reports
Unreleasing Batches
Using Data Import
29
31
33
34
36
37
38
ACH Validator
Create a NACHA File / Releasing Batches
Generating Reports
48
49
52
Wire Transfers
Creating Wire Templates
Creating Wire Transfers
Approving Wire Transfers
Releasing Wire Transfer
53
54
58
62
62
Wire Activity Reports
69
Inquiries
72
72
73
74
75
76
76
All Activity
Historical Paid Checks
Deposit Tickets
Stop Payments Search
Current Check Status
View Check Images
2
Table of Contents cont.
Stop Payments
Single Stop
Range Stop
Multi-Entry Stop
Monitor
78
79
81
83
86
Positive Pay
Exceptions
Import
Issue/Void Maintenance
Monitor
88
89
91
100
101
Real-Time Balances
103
Personal Online Banking
104
Business BillPay
105
Audit
106
Holiday Table
108
Business Online Banking Issue File Form
109
Cut-off Times
110
3
Managing User Profiles
This section covers:
Adding Users
Editing Users
Deleting Users
Locking and Unlocking Users
Running Entitlements Reports
Adding a User
1.
From the left-hand navigation, select Administration.
2.
Beneath the heading Advanced Administration, select Manage Users.
3.
From the Entitlements screen, select Add User.
Note: Use the User/View function to display entitlements granted to the User.
4
Enter the appropriate information in all required fields, and select Save Basic Info. Leave the
Authentication ID field blank.
4.
Note: In the Password field, enter a temporary password for the User, and then retype the password in the
Confirm Password field. The password length must be a minimum of six alphanumeric characters.
Select the User’s individual entitlements by selecting the expandable categories. Select the
appropriate entitlements within each category and Save each category.
5.
5
Note: If the User is entitled to any Account Activity and Stop Payments Permissions, Positive Pay
Permissions, and/or Balance Inquiry Permissions, he/she must have accounts selected under Check
Services Account Assignments.
Note: If the User is entitled to any Reporting Permissions, he/she must have accounts selected under
Payments and Reporting Accounts.
Note: Users with any Wire Transfer and/or the ACH Release entitlements must be setup by Santander.
Please call the Online Business Support Center at 877-495-3246 for assistance.
Editing Users
1.
2.
3.
A list of existing users will appear. Select the appropriate user’s name.
6
Select the User’s individual entitlements by selecting the expandable categories. Select the
appropriate entitlements within each category to be edited and Save each category.
4.
Note: If the User is entitled to any Account Activity and Stop Payments Permissions, Positive Pay
Permissions, and/or Balance Inquiry Permissions, he/she must have accounts selected under Check
Services Account Assignments.
Note: If the User is entitled to any Reporting Permissions, he/she must have accounts selected under
Payments and Reporting Accounts.
Deleting Users
1.
2.
From the heading Advanced Administration, select Manage Users.
7
3.
A list of existing users will appear. Select the appropriate user’s name.
In the Deactivation Date field, enter the date from which the User will no longer have access to
Business Online Banking.
4.
5.
Select Save Basic Info.
8
Locking and Unlocking Users
To lock a User
1.
2.
9
3.
A list of existing users will appear. Select the appropriate User’s name.
4.
Select the Block Access for this user (Locked) checkbox.
Note: By locking a User’s access, the system will retain all passwords and entitlements associated with the
User.
5.
10
To unlock a User
1.
2.
3.
A list of existing users will appear. Select the appropriate User’s name.
6.
Deselect the Block Access for this user (Locked) checkbox.
11
7.
Running Entitlement Reports:
The User Entitlements Report is available to User administrators who have access to the Manage
Users screen. The purpose of the report is to provide an export report that lists all of a User's
permissions as set on the User's settings screen. This report assists you in regards to regulatory
compliance and accountability, as well as maintaining internal records of your organization's user
permissions.
1.
2.
12
A list of existing users will appear. Select the Entitlements Report link for an individual user or
select the Download Entitlements Report for All Users link in the bottom right corner.
3.
Once you have made your report selection the following message will be displayed at the top of
your page.
4.
5.
To view the report, select the Home menu link in the top left corner.
13
6.
The entitlements report(s) will be available as a link under the System Notices
14
7.
Select the link to open or save the report.
Selecting the option to Open will open the csv file and the Save button will allow you to save the
csv file to your specified location
8.
15
Modifying Account Names
You can view account settings and modify the account name on all accounts within
1.
2.
From the heading Advanced Administration, select Modify Account Names.
3.
Enter the new account name in the Account Name field. The name entered will be
applied to the account on the Payments and Reporting tab. Account names can also
be updated from the Payments and Reporting tab in the same manner.
4.
Select Save
16
Home Page Balances
Customers can view up-to-the-minute account balances.
1.
Login to Business Online Banking.
2.
The User will be brought to the Home page where they may view account balances.
3.
To refresh account balances, select the Refresh button on the browser.
4.
Select an Account Number to see memo posted items that are posting to the
account(s) today and prior day transactions.
17
Reporting
The Reporting module is used to view detailed reports on balance and transaction
activity for specific accounts. Reports can be based on previous day or current day
information.
The Transaction Search option assists in locating a specific transaction(s). Searches
are defined by criteria, including account number, transaction type, and amount.
The Export option assists in downloading balances and transaction detail in formats for
use in accounting or spreadsheet software.
Information Reporting Basic Steps
Select a report.
Select the report criteria
Select the Summary button, the Transaction List button or Transaction
Search button.
Basic Terms
Summary—the Summary report displays balance information on accounts
based on the criteria entered on the Criteria Selection screen.
Transaction List—the Transaction List report displays detailed transaction
information based on the criteria entered on the Criteria Selection screen.
Loan Report—the Loan Report displays summary information on loan accounts
based on the criteria entered on the Criteria Selection screen. This information
is on a 1-plus-prior day delivery.
Previous Day—the Previous Day Report provides balances and transaction
details on accounts on a prior day basis based on the criteria entered on the
Criteria Selection screen.
Current Day—the Current Day Report provides information on controlled
disbursement presentments and check details occurring today, as well as current
day information on incoming ACH transactions. This information is based on the
criteria entered on the Criteria Selection screen.
Statement Report—the Statement Report only appears for Users that have the
QuickBooks or Quicken downloads. The report automatically opens and exports
balance and transaction detail into QuickBooks® or Quicken® software.
Note: Depending on security privileges in Business Online Banking, Users may or may
not see all screens and options to perform the tasks described below.
18
Select a Report
1.
From the left-hand navigation, select Reporting.
2.
Beneath the Report Name column, select the Report Name.
Select Report Criteria
Select Report Criteria to define the report output. The criteria you set is dependent on
the type of report you select.
Create a Favorite Report
1.
2.
Enter a Name for your report
Select the criteria for your new report and click Save. You can also select a current
“Favorite” report and Delete the report if it is no longer needed.
19
1. Show Detail—always select this option so that all additional information displays,
such as ACH addenda.
2. From Date—this field will default with the previous business day’s date for
previous day report types, and the current day’s date for the current day report.
The date can be changed to pull data from other dates. This field would contain
the beginning date of a date range.
3. To Date—only used when a report is created for multiple dates. This field would
contain the ending date of a date range.
4. Account Display Sort—allows the user to sort accounts by Account Name,
Account Number or by ABA.
5. Transaction Sort—the method the system uses to sort results for a Transaction
List report.
Note: Depending on the type of report, a Transaction Sort view may not be available.
Options include: Date/Amount, Date/Serial Number, Amount, Serial Number, Reference
Number, and Transaction Type.
Select a Report View
1.
Select Summary or Transaction List.
Summary will display balance information.
Transaction List displays transaction details.
2.
Select the check box next to the appropriate account(s). If using the Statement
Report, the User may enter a value in the Unreported Credits and Unreported
Debits fields. The values will appear in the report.
3.
Select Display. An overview of your report will be displayed.
Transaction Search
1.
20
2.
From the Feature Menu, select Transaction Search (or from the Criteria Selection
screen, select Transaction Search).
3.
Select the Date Type: Previous Day or Current Day.
Note: Under the Current Day report current day information is for controlled disbursement
and ACH items only.
4.
Select the Transaction Type from the drop-down menu.
5.
Enter the From Date and To Date of the date range.
6.
Select an Account Number or All Accounts from the drop-down menu.
7.
If searching for a specific dollar amount or dollar amount range, the User may enter
the From Amount and To Amounts.
8.
If the User is searching for a specific check number, the User may enter the check
number in the Serial Number field.
9.
Select Transaction Search. The information for the transaction(s) you requested will
be displayed.
21
Exporting Report Results
The Export feature may be used to export a report or the results of a transaction search
to a separate accounting file.
1.
2.
Beneath the Report Name column, select the Report Name.
3.
Enter data in the appropriate fields described below:
Show Detail—always select this option so that all additional information, such as
ACH addenda, displays.
From Date—this field will default with the previous business day’s date. The date
can be changed to pull data from other dates. This field would contain the
beginning date of a date range.
To Date—only used when a report is being run for multiple dates. This field
would contain the ending date of a date range.
Account Display Sort—allows the user to sort accounts by Account Name,
Account Number or ABA.
Transaction Sort—the method the system uses to sort results for a Transaction
List report.
Note: Depending on the type of report, a Transaction Sort view may not be available.
Options include: Date/Amount, Date/Serial Number, Amount, Serial Number, Reference
Number, and Transaction Type.
4.
Select Export.
22
5.
Select the export format by selecting Comma-Separated or Tab-Separated.
6.
Select Export Report.
7.
The following message will appear:
Export was started for IR Report. Please press the refresh button to view results of the export.
This process may take several minutes depending on the report criteria entered.
8.
Select Refresh on the browser.
Note: User may need to refresh the browser more than once.
9.
The following message will appear.
Export File Created. Select here to download or view file.
10. Select
the message hyperlink to download the exported file.
11. The
File Download box will appear. Select Open to view the report now, or select
Save to view it at a later time.
23
Exporting Report Results in BAI2 Format
1.
2.
From the Feature Menu, select BAI2 Export.
3.
On the BAI2 Export screen, enter the date range, select the appropriate account(s),
and select Export Report.
24
4.
Export was started for BAI2 Report. Please press the refresh button to view results of
the export. This process may take several minutes depending on the report criteria
entered.
5.
Select Refresh on the browser menu.
6.
The following message will appear. Select the message hyperlink to download the
exported file.
25
7.
The File Download box will appear. Select Open to view the report now or Save to
view it at a later time.
Download to QuickBooks® or Quicken®
1.
2.
Select the Statement Report by selecting the hyperlink in the Report Name column.
26
3.
The From Date field will pre-fill with the previous business day’s date. To select a
date range, enter the From Date and the To Date.
4.
Select the Account Display Sort from the drop-down menu.
5.
Select the Transaction Sort from the drop-down menu.
6.
Select the Account(s).
7.
The User may enter amounts in the Unreported Credits and/or Unreported Debits
fields.
8.
Select Download to QuickBooks or Download to Quicken.
9.
Export was started for Quicken Export. Please press the refresh button to view results
of the export. This process may take several minutes depending on the report criteria
entered.
10. Select
Refresh on the browser.
11. The
following message will appear:
27
12. Select
the message hyperlink. By selecting the Open button from the File Download
box, QuickBooks or Quicken will automatically launch and import the selected data.
Note: Select Save to store the information to be uploaded into QuickBooks or Quicken at a
later date.
28
Account Transfers – Real Time
The Account Transfers module is used to transfer funds between your Santander
accounts in real time.
Note: Depending on the security privileges in Business Online Banking, not all Users may have
access to all screens and options to perform the tasks described in this Reference Guide.
Creating/Releasing a Transfer
1.
From the left-hand navigation, select Account Transfers.
2.
Select the From Account (the account to be debited) from the drop-down account
list.
3.
Select the To Account (the account to be credited) from the drop-down account list.
Note: Users can also use the Lookup box to select the accounts.
4.
Enter the transfer amount in the Amount field.
5.
To save this payment as a template, select Save as Multi-Entry Template.
6.
Enter a comment that describes the transfer in the Comment field. The comment
field is limited to 20 characters. This is an optional field.
7.
In the Nick Name field, create a name for this template.
8.
Select Continue.
29
9.
Review the transfer. Select Make Transfer(s).
10. The
following messages will appear:
A payment of $x.xx has been made on xx/xx/2007.
11. From
the Feature Menu, select Transfer History.
12. Enter
the search criteria, and then select Search.
13. The
Status column will display the status of the transfers.
Pending Submitted—the transfer is in process.
Processed—the transfer is complete.
Rejected—the transfer did not take place.
14. Select
Print to print a hard copy of all of the transfers.
Editing Multi-Entry Templates
The Multi-Entry feature can be used to select existing templates, edit existing template,
or to create new templates.
30
1. From the left-hand navigation, select Account Transfer.
2. Select the Multi-Entry tab.
3. To select an existing template, select the box in front of the entry.
Note: To create a new template select the box in front of the blank entry, enter the Nick
Name, select the From account and To account, then enter an Amount. The Comment field
is optional.
4. The Amount and Comment fields may be edited at this time.
Note: To edit the Nick Name field, select the Edit hyperlink.
5. Select Continue.
6. Verify the transfer is correct, select Make Transfer(s).
7. The following message will appear:
A payment of $x.xx has been made on xx/xx/2007.
31
8. From the Feature Menu, select Transfer History.
9. The Status column will display the status of the transfers.
Pending Submitted—the transfer is in process.
Processed—the transfer is complete.
Rejected—the transfer did not take place.
10. Select Print to print a hard copy of all of the transfers.
Deleting Transfers
Only Multi-Entry templates may be deleted.
1.
From the left-hand navigation, select Account Transfers.
2.
Select the Multi-Entry tab.
3.
Select the templates to be deleted by selecting the corresponding check box, then
selecting Delete. The page will automatically refresh. The template(s) will no longer
appear.
32
ACH Payments
ACH Payments is an optional module that is used to initiate various payments. ACH
Payment types, referred to as Applications, include:
Direct deposit of payroll
Cash concentration and disbursement
Consumer debits and credits
Federal and State tax payments
Business Online Banking supports more than 100 different applications to meet your
payment requirements.
About Automated Clearing House
All Automated Clearing House (ACH) payments (batches) released are processed
through the ACH network. ACH is a central clearing facility, typically operated by a
Federal Reserve Bank that receives and distributes electronic payments among banks
and performs settlement functions. When payments are initiated, the entries are sent
through Santander to the clearing house network, where it is distributed to the receiving
bank(s). On the settlement date (effective date), your Santander account will receive an
offsetting entry—a credit or debit—depending on the type of ACH file that was created.
The receiver will also receive an entry—a credit or debit—depending on the type of ACH
file that was created.
Example 1: A payroll file is created to pay employees. On settlement day, a debit will
post to the company’s Santander account, and a credit will be posted to the employees’
accounts.
Example 2: A consumer debit/credit file is created to collect rent payments. On
settlement day, a credit will post to the company’s Santander account, and debits will
post to the renters’ accounts.
Basic Terms
The terms listed below describe the basic components of ACH transactions.
Understanding these basic terms will help you to better understand the workflow
process.
Database: The feature used to create, store, and re-use information for the ACH
transactions being used on a regular basis. A database is set up for each
payment type (application).
Application: A specific type of ACH payment. An application must be selected
when creating a database.
Batch: Groups of transactions with the same assigned application and effective
dates.
Create Batch: A system feature that creates batches of transactions from
database entries.
Effective date: The settlement date for transactions. This is the date when funds
are transferred between bank accounts within ACH.
Prenotes: Pre-notifications are zero-dollar transactions that are sent to the
receiving banks to confirm the customer’s bank information prior to sending live
33
dollar transactions. The receiving bank has seven days to notify the initiator or
any errors.
Note: Depending on security privileges in Business Online Banking, Users
may or may not see all screens and options to perform the tasks described
below.
Workflow Summary
Once a database is added for each type of transaction, use the workflow in the diagram
below to process transactions:
Add or Edit a
Database
Create Batch
Add or Edit a Database
Add a database for each type of transaction to be made. Add
database entries for each application. (This is a one-time step.)
Edit the information in an existing database. Edits can be made
directly from the Database Detail screen, or change amounts
from the Database Summary screen. For example, for an
hourly payroll database, changes must be made to the amount
field for each employee based on the number of hours that
person worked during a given week.
Create a Batch
View & Report
on Batches
Once all appropriate edits are made, create batches by selecting
on the check box next to a database on the Database List
screen, selecting the Create Batch button, and assigning an
effective date.
Batches appear in the Batch List screen.
View and Report on Batches
Release
View totals on the Batch List screen before releasing batches to
the financial institution. For example, if a certain total is expected
based on calculations made in a separate accounting
application, make sure the totals agree before releasing batches
to Santander for processing. The Batch Report will also display
totals and details of batches.
Release Batches
Bank Processing
Release transactions to Santander for processing by selecting
the check box next to the batch, and then the Release button
where the user will be prompted to use their security token to
release the transactions.
34
Adding a Database
1.
From the left-hand navigation, select ACH Payments.
2.
Select Add.
3.
Select the appropriate company from the Company drop-down list.
4.
Select the appropriate application (type of payment) from the Application drop-down
list.
5.
Enter a user-friendly Database Name for the database (e.g. hourly payroll).
6.
Select Previous Business Day to have a non-business day effective date fall on the
previous business day. Select Next Business Day to have it fall on the next
business day.
7.
Select Save.
35
8.
The Database Summary screen appears with a confirmation that the database has
been added.
9.
Select Add to add database entries.
10. Enter
the required fields.
Note: Data entry fields for each payment type are different. Select Help for instructions on
how to complete each data entry field.
11. Once
12. The
all required data is entered, select Save.
Database entry details saved.
13. Repeat
steps 9-11 until all entries have been made into the database.
36
Editing Database Entries
1.
2.
From the Database List screen, select the appropriate database name.
3.
Edit the amount field, if necessary.
Note: You may edit detail information by selecting the entry’s hyperlink.
4.
Select Save.
37
Creating/Releasing Batches
1.
Once the amounts are entered and the edits are complete, select ACH Database
List from the Feature Menu.
2.
From the Database List screen, select the check box next to the appropriate
database, and then select Create Batch.
38
3.
In the Effective Date field, enter the settlement date of the batch. The settlement
date is the date the items are to be paid.
4.
The Prenotes Only option is for new databases or new transactions entries, if the
Create Prenote option was selected when setting up the Database Detail. This
feature will send zero-dollar transactions to the receiving banks to verify the receiving
party’s information.
5.
Select OK. The user will be brought to the ACH Batch List screen. The following
message will appear:
The system is creating batches for <Database Name>. If you are setup to view, edit, or
release batches, select Refresh to view the Batch List screen. If you are not setup to access
the Batch List screen, another user must perform these tasks.
6.
Select the Refresh button on the browser. The newly created batch will appear on
the ACH Batch List screen.
7.
Select the check box next to the appropriate batch, and select Release.
Note: The user may also select Selects All Entered Status batches on this screen to
select all batches at once.
39
8.
The User Authentication box will appear:
9.
The User’s IRIS User ID will automatically be populated in the User ID field.
10. Sign
onto the bank-supplied security token, enter your 4-digit pin, and then enter the
6-digit passcode that appears into the PASSCODE field in the User Authentication
box. The User has 26 seconds to complete this task and select OK.
Note: A Reference Card details the use of the Security Token. This card is in the package
along with the Security Token.
Note: By changing the status to Released, a flag is sent to Santander to scoop up and
process this ACH batch. Once the items have been received by Santander, the status will
change to Submitted.
Generating Reports
To view Batch totals:
1.
2.
From the Feature Menu, select ACH Batch List.
3.
From the ACH Batch List screen, select the check boxes next to one or more
batches.
4.
Select Batch Report.
5.
Select the Sort Order, and then select Display. The Batch Report will appear.
40
6.
Select Print to generate a hard copy of the report.
Unreleasing Batches
If a batch was released, but needs to be canceled to make the batch unavailable for
Santander processing, the batch can be unreleased by doing the following:
1.
From the ACH Batch List screen, select the check box next to the batch you wish to
Unrelease.
2.
Select Unrelease.
3.
The following message will appear and the status for the batch changes back to
Entered.
Unrelease authorization was successful for the batch: (file
name).
Note: This can only be done if the status is Released. A batch cannot be
Unreleased for items that have a status of Submitted.
Using Data Import
41
The Data Import function is used to import files created from another system
(accounting software, Excel spreadsheets, etc.) into a Business Online Banking ACH
Database.
Before an import can be completed, the data entry requirements for a particular ACH
application must be defined to match the characteristics of the import file that was
created. For example, to import a comma-delimited file containing payroll data to an
ACH database based on the payroll application, an import format based on the payroll
application and the characteristics of the file must be created.
Basic Terms
Import Format—a format used to import files into an ACH Database.
Fixed-Width—a file format that contains data in a continuous string of characters
and spaces. Each character and space defines a separate column. Each column
is made up of a group of numbers. For example, column 1 contains characters “1
– 10.” To define a field, you must specify a span of numbers that corresponds to
where that field begins and ends in the import file. Specify the beginning and
ending column of each field by their values in the import format.
Comma-Delimited—a file format that uses commas to separate fields. Specify
the order of the fields as they appear in the file to be imported by entering the
number in the import format.
below.
Data Import Steps
Create an Import Format.
Export from a spreadsheet or accounting package choosing the Comma
Delimited or Fixed Width.
Import into Business Online Banking.
Create an Import Format
1.
2.
Beneath the heading Formats and Templates, select Create ACH import format.
3.
Select Add.
Enter the following fields:
Import Format Name—name of the import format that can be easily recognized
from a drop-down menu.
Import Format Description—brief description of import file format.
Application—select an application from the drop-down menu.
Import File Type—select the file type of file being imported: Comma Delimited,
Fixed Format or NACHA.
Note: If file is currently in a NACHA format, Validator should be used instead of Import.
42
4.
Select Save.
5.
Select the Format Characteristics. Use the Help button for selection of appropriate
criteria.
43
6.
Enter the Field Properties of each Field Name in the Field Number column.
7.
For fixed format files, specify the span of numbers that corresponds to where a field
begins and ends in the import file.
8.
For comma-delimited files, specify the Field Number (order) of each field in the file.
9.
Select Save.
Export from an Accounting Package or other Software
Check the instructions on your spreadsheet or accounting package to create an export
file. Be sure to save the file as either Comma Delimited or Fixed Format.
44
Import into Business Online Banking
1.
2.
From the ACH Database List screen, select the check box next to the database,
and then select Import.
Note: If a database has not yet been created, see Adding a Database on page 31 of this
guide.
3.
Select the appropriate import format from the Import Format drop-down list.
4.
Select the Browse button, locate the file and specify the file to be imported by
entering the path to the file on your hard drive or network.
45
5.
Select the file and select Open.
6.
Select OK.
7.
The following message will display:
Data Import was successfully started for the file. Please press the refresh button to
view the results.
8.
Select the Refresh button on the browser.
9.
Data Import of file <File Name and Drive>into the database <database name>was
successful.
10. Select
ACH Database List from the Feature Menu.
11. From
the Database List screen, select the check box next to the appropriate
database, and then select Create Batch.
46
12. In
the Effective Date field, enter the settlement date of the batch. The settlement
date is the date the items are to be paid.
13. The
Prenotes Only option is for new databases or new transactions entries. This
feature will send zero-dollar transactions to the receiving banks to verify the receiving
party’s information.
14. Select
15. The
OK. The user will be brought to the ACH Batch List screen.
The system is creating batches for <Database Name>. If you are setup to view, edit, or
release batches, select Refresh to view the Batch List screen. If you are not setup to access
the Batch List screen, another User must perform these tasks.
16. Select
the Refresh button on the browser. The newly created batch will appear on
the ACH Batch List screen.
47
17. Select
the check box next to the appropriate batch, and then select Release.
18. The
User Authentication box will appear:
19. The
User’s IRIS User ID will automatically be populated in the User ID field.
20. Logon
to the Santander-supplied security token, enter the 4-digit pin, and type the 6digit passcode that appears into the PASSCODE field in the User Authentication
21. By
changing the status to Released, a flag is sent to Santander to process this ACH
batch. Once the items have been received by Santander, the status will change to
Submitted.
Generating Reports
To view Batch totals, complete the following steps:
1.
2.
3.
From the ACH Batch List screen, select the check box next to one or more batches.
48
4.
5.
Select the Sort Order, and then select Display.
6.
Viewing Import Report
View Import Reports to receive a status on an Import. To view the report, select the
hyperlink in the confirmation message or select the Import Report button on the ACH
Database List screen.
1.
2.
Select the check box next to the appropriate database, and then select Import
Report.
3.
Report results display in your browser. Statuses can be Needs Repair or Not
Imported. Needs Repair means that data did not import into one or more fields in
particular entries. These errors are called “exceptions.”
49
Correcting Exceptions
To correct exceptions in an ACH Database that have the status Needs Repair, complete
the following steps:
1.
2.
Select the appropriate database.
50
3.
To edit an entry that Needs Repair, select the appropriate entry in the Name
column.
4.
Make edits to the appropriate field(s), and then Select Save.
5.
When an exception has been corrected for an entry, its status changes to Entered.
6.
Repeat steps 2 through 5 for all entries with “Needs Repair” status.
51
ACH Validator
The ACH Validator function is used to import ACH-formatted files directly into Business
Online Banking. The file(s) must be in industry-standard NACHA format. The ACH
Validator function verifies that the NACHA file created by your accounting package is in
the correct NACHA format. It also verifies that the NACHA format complies with the rules
specified by Santander for NACHA file creation.
Basic Terms
ACH Batch: Groups of same transaction types that have the same assigned
effective dates. Once the NACHA-format file has been verified, the batch will
appear on the ACH batch list, and may be released to the bank for processing.
NACHA File: An electronic file containing payments or related information
processed through the ACH network.
below.
Validator Steps
There are three main steps to send a NACHA file to Santander through Validator:
Create a NACHA file with your accounting package.
Import the NACHA file directly into the system as an ACH batch.
Release the batch to Santander for processing.
Create a NACHA File
Use your accounting package to create a NACHA file.
52
Import a NACHA File
Import your NACHA file directly as an ACH batch using the following steps:
1.
2.
From the Feature Menu, select ACH Validator.
3.
Select the Browse button, and then specify the NACHA file to be validated by
entering the path to the file on your hard drive or network.
4.
Select a NACHA file, and select Open. The path to the file displays in the Validator
File Name/Location text box.
53
5.
Select OK.
6.
Validation was successfully started for the file. Please press the refresh button to
view the results.
7.
Select Refresh on the browser.
8.
Depending on the outcome of validation, when validation is complete one of three
messages will display:
Message
Meaning/ Recommended Action
Validation of the file, <NACHA filename>
into the database <database name> was
successful.
Validation was successful. You can
perform actions on the batches from the
ACH Batch List screen.
Validation of the file, <NACHA file name>
was successful with exceptions.
View the Validator Report to
understand why exceptions occurred.
You can view the Validator Report by
selecting the hyperlink in the message
or by selecting the batch and selecting
the Validator Report button on the
ACH Batch List screen.
Validation of the file <filename> into the
database <database name> failed.
Validation did not occur. No batches
were created. Review your NACHA file
for errors.
54
Release the Batch
1.
From the ACH Batch List screen, select the check box next to the batch to be
released, and then select Release.
22. The
User Authentication box will appear.
23. The
User’s IRIS User ID will automatically be populated in the User ID field.
24. Sign
onto the Santander-supplied security token, enter the 4-digit pin, and type the 6digit passcode that appears into the PASSCODE field in the User Authentication
25. By
changing the status to Released, Santander is alerted to process this batch.
Once the items have been received by Santander, the status will change to
Submitted.
55
Generating Reports
To view Batch totals, perform the following steps:
1.
2.
3.
From the ACH Batch List screen, select the check boxes next to one or more
batches.
4.
5.
Select the Sort Order, select Display.
6.
56
Wire Transfers
Wire Transfer is an optional module that is used to create, approve, and send secure
wire payments. Wire features include:
Repetitive and non-repetitive wire formats.
Single and batch wire origination.
Future value-dated wire warehousing for up to 7 days for U.S. Dollar wires.
Wire Transaction List screen to review and manage all wires.
Wire Repair screen to correct wire errors or for editing an existing wire prior to
release.
Wire History List screen to review all past wire activity.
Wire Templates for speed, accuracy, and security when performing data entry.
Basic Terms and Features
Accounts—the account(s) used for a wire transfer.
Approvals—Depending on the security options setup by Santander, wires may
require up to two levels of authorization before they can be released.
Batches—Groups of individual transactions with the same assigned application,
value date, and currency.
Beneficiary—the party receiving the wire transaction.
Originator—the party initiating the wire transaction.
Queuing—once a wire is created, it will move (queue) to the Transaction List,
where it is reviewed, approved, and released by authorized Users.
Receiving Bank—the financial institution that is receiving the wire payment.
Templates—a feature used to store payment instructions for wire transfers that
are made on a repetitive basis.
Value Date—the settlement date.
Wire Applications—payment types, such as repetitive wire, with data-entry
fields for entering transaction data.
Wire History—a history of previously processed wires.
Wire Repair—a wire that needs to be corrected in order for it to be released.
Wire Transfers—electronic fund transfers that settle immediately at the Federal
Reserve.
Note: Depending on security privileges in IRIS, Users may or may not see all
screens and options to perform the tasks described below.
General Set-up and Workflow
Create Wire Templates for repetitive wires.
Choose Single or Batch wire origination, and enter all required data into wire
entry screen.
Queue wire(s) for processing.
Approve Wires.
57
Release Wires for processing.
(Optional) Revise Wires that are incorrect.
Creating Wire Templates
Note: All fields are required to release a Wire Transfer.
1.
2.
Beneath the heading Formats and Templates, select Create Wire entry
templates.
3.
Select the appropriate Application Name.
4.
Select the type of application to setup:
Repetitive Fed—Domestic wires.
Semi-Repetitive Fed—Domestic wires with an Addenda field.
Repetitive Fed International—U.S. dollar international wires.
Semi-Repetitive Fed International—U.S. dollar international wires with an
Addenda field.
Repetitive Foreign Currency—Foreign currency wires.
Semi-Repetitive Foreign Currency—Foreign currency wires with an Addenda
field.
58
5.
From the Template List screen, select Add.
6.
Enter wire information:
Repetitive Fed and Semi-Repetitive Fed, enter information into the following
required fields:
Template ID
Description
Debit Account #—Santander account to be debited.
Receiving Bank ID—(use the Lookup to select the appropriate bank)
Receiving Bank Name—(will pre-fill after bank selection is made)
Receiving Bank Address—(will pre-fill after bank selection is made)
59
Beneficiary Account #
Beneficiary Name
Beneficiary Address
 Line 1: Street Address & Suite/Apt # (not a P.O. Box)
 Line 2: City, State/Province, Zip Code/Postal Code
 Line 3: Country
Reference for Beneficiary is an optional field for additional information to
be provided to the Beneficiary.
OBI (Originator to Beneficiary) and BBI (Bank to Bank) are optional fields
for additional information
If the wire needs to go through an intermediary bank, fill in the following required
fields:
Template ID
Description
Receiving Bank ID—(use the Lookup to select the appropriate
intermediary bank)
Beneficiary Bank Id—(use the Lookup to select the appropriate bank)
Beneficiary Bank Name—(will pre-fill after bank selection is made)
Beneficiary Bank Address—(will pre-fill after bank selection is made)
Beneficiary Name
Beneficiary Address
 Line 3: Country
Repetitive Fed Intl or Semi-Repetitive Fed Intl, enter the following
required fields:
Template ID
Description
Receiving Bank ID— (leave blank, will pre-fill once correspondent bank is
selected)
Receiving Bank Name — (leave blank, will pre-fill once correspondent
bank is selected)
Receiving Bank Address—(leave blank, will pre-fill once correspondent
bank is selected)
Leave all Intermediary Bank information blank
Beneficiary Bank ID Type—Select Swift BIC from the drop down menu
Beneficiary Bank ID—(use the Find Correspondent lookup to select the
appropriate Swift BIC ID number and correspondent bank)
60
Beneficiary Account # - (If the wire is being sent to Europe or the UK, an
IBAN (International Bank Account Number) must be added in the following
format to the Beneficiary Account.)
IBAN: FR1420041010160000069772K85
Country Code
Check Digit
Bank Code and Account Number
Beneficiary Name
Beneficiary Address
 Line 3: Country
Repetitive Foreign Currency or Semi-Repetitive Foreign Currency
enter the following required fields:
Template ID
Description
Select a Sending Currency from the drop-down menu
Leave ALL Intermediary Bank information blank
Beneficiary Bank ID—(use the Lookup to select the appropriate Swift BIC
ID number)
Beneficiary Account # - (If the wire is being sent to Europe or the UK, an
IBAN (International Bank Account Number) must be added in the following
format to the Beneficiary Account.)
IBAN: FR1420041010160000069772K85
Country Code
Check Digit
Beneficiary Name
Beneficiary Address
 Line 3: Country
OBI (Originator to Beneficiary) is an optional field for additional
information
BBI (Bank to Bank Information): enter the purpose of the wire
Note: Foreign Currency (FX) exchange rates are updated daily on IRIS. Foreign Currency
wires should not be entered until these rates are updated. A message is displayed on the
Wire Transaction List screen when these rates are loaded.
61
7.
When data entry is complete, select Save.
(First Option): Initiate Single Wires
1.
Select Wire Transfers, and then Single Wire from the Feature Menu.
2.
Select the appropriate wire from the Application Name column.
3.
Non-Repetitive wires, enter in the following information based on wire application
type:
Non-Repetitive Fed
Amount
Receiving Bank ID—(use the Lookup to select the appropriate bank)
Beneficiary Name
Beneficiary Address
 Line 3: Country
Reference for Beneficiary is an optional field for additional information
to be provided to the Beneficiary.
OBI (Originator to Beneficiary) and BBI (Bank to Bank) are optional
fields for additional information
If the wire needs to go through an intermediary bank, fill in the following required
fields:
Amount
62
Receiving Bank ID—(use the Lookup to select the appropriate
intermediary bank)
Beneficiary Bank ID—(use the Lookup to select the appropriate bank)
Beneficiary Name
Beneficiary Address
 Line 3: Country
Non-Repetitive Fed International
Amount
Receiving Bank ID — (leave blank, will pre-fill once correspondent bank
is selected)
Receiving Bank Name—(leave blank, will pre-fill once correspondent
bank is selected)
Receiving Bank Address—(leave blank, will pre-fill once correspondent
bank is selected)
Leave all Intermediary Bank information blank
Beneficiary Bank ID—(use the Find Correspondent lookup to select
the appropriate Swift BIC ID number and correspondent bank)
Beneficiary Account # - (If the wire is being sent to Europe or the UK,
an IBAN (International Bank Account Number) must be added in the
following format to the Beneficiary Account.)
IBAN: FR1420041010160000069772K85
Country Code
Check Digit
Beneficiary Name
Beneficiary Address
 Line 3: Country
Non Repetitive Foreign Currency
63
Contract Number—(leave blank)
Amount
Sending Currency—(select from the drop-down menu)
Leave ALL Intermediary Bank information blank
Beneficiary Bank ID—(use the Lookup to select the appropriate Swift
BIC ID number)
Beneficiary Account # - (If the wire is being sent to Europe or the UK,
an IBAN (International Bank Account Number) must be added in the
following format to the Beneficiary Account.)
IBAN: FR1420041010160000069772K85
Country Code
Check Digit
Beneficiary Name
Beneficiary Address
 Line 3: Country
BBI (Bank to Bank Information): enter purpose of the wire.
4.
For Repetitive or Semi Repetitive applications, select the Template ID from the
drop-down.
5.
Enter the Amount.
6.
For Semi-Repetitive application, enter the addenda information in the Reference
for Beneficiary, OBI or BBI fields. These are optional fields.
7.
To view data in a template, select Detail.
8.
Once information is entered, select Queue.
9.
A message will display:
Wire has been Created.
10. From
the Feature Menu, select Transaction List. All wires that have been created
will appear on this list.
(Second Option): Initiate Batch Wires
To create a batch of wires and queue them to the Transaction List screen, complete the
following steps:
1.
From the left-hand navigation, select Wire Transfers, and then from the Feature
Menu select Batch Wire.
2.
Select Add on the Wire Batch List screen.
64
3.
From the Application Name column, select the type of wire.
4.
Enter the Value Date (settlement date) for the batch.
5.
For all Repetitive and Semi-Repetitive wires, select the appropriate Template ID
from the drop-down menu, and then enter the amount of that wire in the Amount
field.
6.
For Non-Repetitive wires, select Add.
Note: For list of data fields to enter, see page 61 of this guide.
7.
Once information has been entered, select Save.
8.
Review the wires from the Batch Summary screen.
9.
If wires for this batch are complete, select Batch List.
10. Select
the check box next to the appropriate batch(es), and then select Queue.
65
11. A
message will display:
Batch(es) Queued: 1
12. From
the Feature Menu, select Transaction List.
Approve Wires
1.
From the left-hand navigation, select Wire Transfer. All wires that have been
queued can be reviewed from the Transaction List screen.
2.
View information on wires or batches by selecting the Amount column.
3.
If wire information is correct, select the check box next to the wire and then select
Approve.
Release Wires
1.
From the left-hand navigation, select Wire Transfer. All wires waiting to be released
will appear on the Transaction List screen.
2.
To release a wire, select the check box next to the wire or batch and select Release.
66
3.
The User Authentication box will appear:
4.
The User’s IRIS User ID will automatically be populated in the USER ID field.
5.
Sign onto the bank-supplied security token, enter the 4-digit pin, and type the 6-digit
passcode that appears into the PASSCODE field in the User Authentication box.
The User has 26 seconds to complete this task and select OK.
6.
Select Refresh to view status changes. Changes include:
Entered—waiting for Approval
Approved—waiting for Release
Released—sent to Santander for processing
Acknowledged—this will provide the host reference number
Processed—this will provide the Fed reference number
67
Revise Wires (The Revision List)
If wire information is not correct, the wire may be edited as long as it has Entered or
Approved status:
1.
From the left-hand navigation, select Wire Transfer.
2.
Select the check box next to the wire that needs revision, and select Revise.
3.
The wire has been sent to the repair queue.
4.
From the Feature Menu, select Wire Repair.
5.
From the Amount column, select the Amount for the wire or batch of wires.
6.
Make changes in the detail screen, and select Queue to re-queue the wire or batch
of wires.
7.
Wire has been saved.
8.
From the Feature Menu, select Transaction List. The revised wire(s) will appear.
Refer to page 65, for the steps on Approval and Release of wires
68
Generating Wire Reports
There are three types of wire reports that can be generated, the Detail Report, the
Summary Report, and the Totals Report. These provide quick summaries of the wires
originated from the Wire Transaction List screen.
Detail Report
1.
From the left-hand navigation, select Wire Transfers.
2.
From the Transaction List screen, select the check box next to the wires or batch of
wires.
3.
Select Detail Report.
4.
To print the report, select Print.
69
Totals Report
1.
2.
From the Transaction List screen, select the check box next to the wire(s) or batch
(es) of wires.
3.
Select Totals Report.
4.
70
Summary Report
1.
2.
From the Transaction List screen, select the check box next to the wire(s) or batch
(es) of wires.
3.
Select Summary Report.
4.
71
Wire History Report
At the end of each business day, all wires (regardless of status) are moved to Wire
History. The wires are stored here and can be viewed or printed.
1.
From the left-hand navigation, select Wire Transfer.
2.
From the Feature Menu, select Wire History.
72
3.
To search for Wires from Wire History.
You can use the search function to search for a wire or group of wires that are archived
on the Wire History List
1.
Set the search criteria to define the wires that you want to view.
2.
Select Search
3.
If you have more than one page of results, use the pagination controls to navigate to
additional pages.
4.
To return to the full listing of wires, select Reset and then select Search.
Wire Activity Reports
The Wire Activity Report features summary and detailed views of incoming and
outgoing wires.
Accounts—the account(s) used for wire activity reporting
Transaction Type—the type of wire being sent or received
below.
Wire Transaction Search
Use Transaction Search to search for a specific wire transaction.
1.
From the left-hand navigation, select Wire Activity.
2.
Select the Report Type:
Summary—summary information, with hyperlink access to detail.
Detail—detailed information
3.
Select the Sort Field(s) from the drop-down menu.
4.
Select the Transaction Type from the drop-down menu.
5.
Select optional fields From Date and To Date if running a date range report.
6.
Select an Account Number or All Accounts from the drop-down menu.
7.
Select optional fields From Amount, To Amount, and Host Reference Number.
8.
Select Display.
73
9.
Wire Activity Report
1.
From the left-hand navigation, select Wire Activity. From the Feature Menu, select
Wire Activity Report.
2.
Summary—summary information, with hyperlink access to detail
3.
Select optional fields From Amount and To Amount.
4.
Deselect the check box Mark Wire(s) Viewed if others will also view these wires.
5.
Select the check box next to the Account Numbers to be viewed.
6.
Select Display.
7.
74
New Wire Activity Report
Use the New Wire Activity Report to view new wires that have been received by
Santander since the last viewing.
4.
From the left-hand navigation, select Wire Activity. From the Feature Menu, select
New Wire Activity Report.
5.
Summary—summary information, with hyperlink access to detail
6.
Select Transaction Sort from the drop-down menu.
7.
Select the check box next to the Account Numbers to be viewed.
8.
Deselect the check box Mark Wire(s) Viewed if others will also view these wires.
75
9.
Select Display.
10. To
print the report, select Print.
76
Inquiries
Inquiries/Stop Payment allows the user to search on a variety of items. Inquiries may
be performed on paid checks, deposited items and stop payments.
Account Activity—view current and previous day transactions.
Historical Paid Check—search the Image Archive for paid checks, and then
select the check icon to see images.
Deposit Tickets—search the Image Archive for deposit tickets, and then select the
deposit ticket icon to see its image or select the sequence number to pull up all of
the deposited items.
Stop Payments—Search for previously placed stop payment requests.
Current Check Status—ARP subscribers can search the status of ARP items.
Perform an Inquiry
1.
From the left-hand navigation, select Inquiries/Stop Payment.
2.
Depending on the User entitlements one or more of the following options will appear
in the Inquiry Type drop down menu: All Activity (Account Activity), Historical
Paid Check, Deposit Tickets, Stop Payments, or Current Check Status.
All Activity
1.
Select an Account Number from the drop down list or use the Lookup button.
2.
Select All Activity from Inquiry Type from the drop-down menu.
77
3.
Select the From Posting Date and the To Posting Date.
4.
Select View Results. Previous day detail will included all transactions posted to the
account. Current day detail will only include memo posted transactions.
Historical Paid Checks
1.
2.
Select Historical Paid Check from Inquiry Type from the drop-down menu.
3.
Enter any of the following criteria:
Serial Number—the check number
From Posting Date / To Posting Date—the range in which checks were presented
for payment
Check Amount—the amount of the item
4.
Select View Result. Results from the selected criteria will display.
78
5.
Select the Check Image icon to view an image of a paid check.
Deposit Tickets
1.
2.
Select Deposit Tickets from Inquiry Type from the drop-down menu.
3.
Deposit Amount—the amount of the deposit
From Posting Date / To Posting Date—the range in which the deposits were made
4.
Select View Results. Results from the selected criteria will display.
79
5.
Select the Image Available icon to view an image of the deposit ticket.
6.
Select the Sequence Number to view a list of checks in the deposit.
7.
Select the Image Available icon to view an image of the deposit item.
Stop Payments Search
1.
2.
Select Stop Payment from Inquiry Type from the drop-down menu.
3.
From Serial Number / To Serial Number—the range of the checks to be viewed
From Amount / To Amount—the amount of checks
From Date / To Date—the dates in which the checks were stopped
4.
Select View Results. Results from the selected criteria will display
80
Current Check Status
1.
Select Account Number from the drop down list or use the Lookup button.
2.
Select Current Check Status from Inquiry Type from the drop-down menu.
3.
From Serial Number / To Serial Number—the range of the checks to be viewed
From Amount / To Amount—the amount of checks
From Date / To Date—the dates in which the checks were stopped
Payee—the name on the item (optional)
4.
Select View Results. Results from the selected criteria will display.
Viewing Check Images
The image of a check that appears reflects the check as it was presented for payment.
1.
Locate the item you want to view.
2.
Select on the appropriate image icon.
3.
If the Security Warning screen appears, select the appropriate response: “Yes” to
install and run the check viewer or “No” if you do not wish to continue.
81
Note: If No is selected, the User will no longer have the option of viewing images. Users will
then be required to download the image viewer software from an external URL.
Note: Checking the box, “Always trust content from Daeja Image Systems Ltd," will
prevent the box from appearing in the future.
Microsoft XP Users may have a security pop box the next time an image is pulled up.
Select More Options.
Select Always run software from “Daeja Image Systems Ltd”
Select Run—this will prevent the box from appearing in the future.
4.
The Image Viewer features thumbnail views of the front and back of the check on
the left side of the screen. Use the Image Viewer to manipulate the check image.
You can access the tools using either the icons or by right selecting on the image.
Note: If Don’t Run is selected, the User will no longer have the option of viewing images.
Users will then be required to download the image viewer software from an external URL.
82
Stop Payments
Place / Cancel Stop
The Stop Payment module allows for the placement or cancellation of a stop payment
request against a single or range of checks.
Stop Payment—used to search for paid checks and previously entered stop
payment request. Also used to place or cancel stop payments.
Historical Paid Check Inquiry—used to determine whether a check has already
been paid before placing a stop payment request. If an item is shown as paid, an
image icon will appear providing the ability to view a scanned image of that
check.
Stop Payment Search—used to search for checks to see if a stop payment
request was previously made against them.
Current Check Status (only applies to Santander ARP subscribers)—if the
account subscribes to Santander’s ARP (Account Reconciliation Process)
service, this feature will provide the ARP status on an item.
Monitor—Used to view the status of Stop Payment requests made using
Stop Payment Workflow
The Stop Payment workflow starts with the researching of a check to determine if action
against it has been taken. If not, a stop payment can be placed on the item.
Search on Historical Paid Checks.
Search on Stop Payment Search.
Place or cancel a Stop Payment Request.
Monitor Stop Payment Status.
83
Single Stop
Follow the steps below to determine the status of an item.
1.
From the left-hand navigation, select Inquiries/Stop Payments.
2.
From the Feature Menu, select Stop Payments and then Single Stop.
3.
Select the Account Number from the drop-down menu.
4.
Enter a Serial Number of the item to be stopped.
5.
Enter the Amount of the item to be stopped.
6.
The Payee field is optional.
7.
The Issue Date is optional.
8.
The Stop Effective Date field is only required when cancelling a stop payment. The
date the stop payment was placed must be entered in this field.
9.
Select the Action from the drop-down menu.
Place Stop will place a stop payment on the item.
Cancel Stop will cancel an existing stop payment.
10. Select
the Reason from the drop-down menu.
11. Select
the Historical Paid Check button to see if the item has already been paid. If
the item had been paid, an image icon will appear indicating the ability to view an
image of the scanned item.
12. If
a Historical Paid Check item is not retrieved, select the Stop Payment Search
button. This feature will search to see whether a stop payment had been previously
placed on the item.
13. If
no Stop Payment items are retrieved, select Current Check Status. If the account
subscribes to Santander’s ARP service, this feature will provide the ARP status of
the item.
14. Select
Submit. This will submit the stop payment request.
84
15. From
the Feature Menu, select Monitor and then Stop Payments. Enter the
required criteria, and then select View Results. This will display the result of the stop
payment request.
The image of a check that appears reflects the check as it was presented for payment.
1.
Locate the item you want to view.
2.
Select the appropriate image icon.
3.
If the Security Warning screen appears, select the appropriate response: “Yes” to
install and run the check viewer or “No” if you do not wish to continue.
Note: Checking the box, “Always trust content from Daeja Image Systems Ltd," will
85
Microsoft XP Users may have a security pop box the next time an image is pulled up.
Select More Options.
Select Always run software from “Daeja Image Systems Ltd”
Select Run—this will prevent the box from appearing in the future.
4.
The Image Viewer features thumbnail views of the front and back of the check on
the left side of the screen. Use the Image Viewer to manipulate the check image.
You can access the tools using either the icons or by right selecting on the image.
Note: If Don’t Run is selected, the User will no longer have the option of viewing images. Users
will then be required to download the image viewer software from an external URL.
Range Stop
Follow the steps below to place or cancel stop payments on a range of checks.
1.
2.
From the Feature Menu, select Stop Payments and then Range Stop.
3.
4.
Enter the From Serial Number and To Serial Number.
Note: Range Stops only allows the User to enter a range of up to 160 checks at a time.
5.
6.
The Stop Effective Date field is only required when cancelling a stop payment. The
date the stop payment was placed must be entered in this field.
7.
Select the Action from the drop-down menu.
86
Place Stop will place a stop payment on an item.
Cancel Stop will cancel a stop payment on an existing item.
8.
Select the Reason from the drop-down menu.
9.
To view the Historical Paid Checks for the range, select the Historical Paid Check
option under Inquiry Type.
10. Selecting
the Stop Payment Search button will enable the User to view stops that
have been previously placed on any item within the range.
11. Select
on the Current Check Status button. If the account subscribes to
Santander’s ARP service, this feature will provide the ARP status on an item.
12. Select
on the Submit button. This will submit the stop payment request.
13. Select
Monitor from the Feature Menu, and then select Stop Payments. Enter the
required criteria then select View Results. This will display the result of the stop
payment request.
87
Multi-Entry Stop Payment
Place Stop
Follow the steps below to place stop payments on multiple accounts and checks at the
same time.
Note: This feature is only available to Santander ARP subscribers.
1.
2.
From the Feature Menu select Stop Payments, and then Multi-Entry Stops.
3.
Select Action from the drop-down menu.
Place Single Stops will place a stop payment on each item.
Note: Only one action can be selected at a time.
4.
5.
6.
7.
8.
9.
Select Status to check the ARP system to view the status of each check.
88
10. Scroll
to the bottom of the screen. Select View Totals. This will summarize the total
number of Stop Payments/Cancel Stops, as well as the total dollars.
11. Select
Clear Unchecked to unselect stop payment requests.
12. Select
Send Single Stop(s) to send the stop payment request to Santander Bank.
13. The
Multi Check Report will automatically display.
14. Select
Print to print a hard copy of the report.
Cancel Stop
Follow the steps below to cancel stop payments on multiple accounts and checks at the
same time.
Note: This feature is only available to Santander ARP subscribers.
1.
2.
From the Feature Menu select Stop Payments, and then Multi-Entry Stops.
89
3.
Select Action from the drop-down menu.
Cancel Single Stops will place a stop payment on each item.
4.
5.
6.
7.
8.
Enter the date the stop payment was placed in the Stop Effective Date field.
9.
10.
Select Status to check the ARP system to view the status of each check.
11. Scroll
to the bottom of the screen. Select View Totals. This will summarize the total
number of Stop Payments/Cancel Stops, as well as the total dollars.
12. Select
Clear Unchecked to unselect stop payment requests.
13. Select
Send Single Stop(s) to send the stop payment request to Santander Bank.
90
14. The
Multi Check Report will automatically display.
15. Select
Print to print a hard copy of the report.
Monitor
Use the Monitor screen to check the status of Stop Payment/Cancel Stop Payment
requests. Perform these functions by using the Stop Payments or User Totals options.
1.
Select Inquiries/Stop Payment.
2.
From the Feature Menu select Monitor, and then Stop Payments.
3.
Enter the search criteria.
4.
Select View Results. The results will appear.
5.
Review the results screen to follow the progress of a Stop Payment/Cancel Stop
Payment request.
91
User Totals
1.
2.
From the Feature Menu select Monitor and then User Totals.
3.
Select the Report Type button.
4.
Select User Totals for a report by User. Select Account Totals for a report by
account number.
5.
Enter search criteria information.
6.
Select View Results. The results of the search will display.
92
Positive Pay
Positive Pay is an optional module that is used to prevent check fraud. By examining
questionable checks, the User can determine whether each check should be paid or
returned.
How it Works
A check issue file must be sent to Santander Bank. The file(s) can be originated
from a check payments system or by manually entering the issue information
through Business Online Banking.
Santander Bank matches this information against checks presented for payment
using our ARP (Account Reconciliation Process) system.
If there is a discrepancy, the check appears on the Exceptions screen.
All exception items can be viewed online (including the image), and a decision may
be made online to pay the check or not to pay it.
The definitions below describe fields for the Positive Pay module. The fields that appear
on the Exception results screen vary based on the type of transaction.
Account Number—the account number associated with the transaction
Serial Number—the check number
Issue Date—the date the item was issued
Issue Amount—the amount of the item on the issue file
Posting Date—the date the item was presented for payment
Posting Amount—the amount the item at time of presentment.
Exception Description—a short description of why the item does not match the
ARP issue file
Decision Type—current status of the exception
Action Reason—customer selects one of the following decision types: Pay, Pay
with Issue, or Return
Payee—optional field can hold up to 25 characters of Payee information when
entered through Business Online Banking or when the Payee Name is displayed
with exceptions
93
Positive Pay Workflow
The Positive Pay workflow begins with issue file information being sent to Santander
Bank’s ARP system. The workflow ends with decisions being made on Positive Pay
Exceptions.
1.
Send check information directly from Business Online Banking or by transmitting
directly to the Santander ARP system.
2.
View reports.
3.
Issue maintenance—Add issues/voids.
4.
Make exceptions decisions.
Positive Pay Exceptions Decisions
The Exceptions screen lists the checks that show a discrepancy between the check
presented for payment and the check issue information sent to Santander Bank. Any
check not matching the issue file will be displayed on the Exceptions screen
Payment decisions must be made before the cut-off time displayed on the Exceptions
screen.
1.
From the left-hand navigation, select Positive Pay.
2.
Select All Accounts (or a specific account number) from the Account Number
drop-down list for exceptions to be viewed.
3.
Select Get Exceptions.
Note: An account Lookup button will appear if the number of accounts exceeds the
maximum table display.
4.
Review each check exception.
5.
Select Pay, Pay with Issue, or Return for each item from the Action/Reason list.
94
6.
If Pay with Issue is selected, the Pay with Issue pop-up screen will appear. Enter
the additional information and select Submit. The User will then be sent back to the
Exceptions screen.
7.
Select Submit
Note: Use Pay with Issue to request that the check be paid and have the issue information
sent to the ARP database. Use this option if Santander Bank does not have a record of the
check.
95
Import
Add Import Format
Use the Import feature to upload a check issue or void file directly to Santander’s ARP
system.
1.
2.
Under the Formats & Templates heading select Create Positive Pay issue import
formats.
3.
From the Manage Positive Pay Import Formats page enter the following
information:
Format Type – select either Fixed Width or Delimited. Fixed width would be for a
file in a TXT format, delimited would be used for and Excel format.
Format Name – create a name for the import
Transaction Type – select from the drop down menu, Any, Issue or Void
Activation Date – will default to today’s date
96
Deactivation Date – to delete the import format enter a deactivation date
Description – is an optional field. The user may enter a brief description of the
import format.
4.
Select Continue.
5.
Enter all information to create the import format. For a Delimited file format enter
the following fields:
Note: We suggest when opening the file open it in Notepad and use the Fixed Width format,
however, if the user is using an Excel format:
1. The user must make sure the dates in the Excel file are in the correct date format to match
the import format specs.
2. The user must make sure there are preceding zeros in front of the account number on the
excel file to make a 15 digit account number.
For a Fixed Width file format enter the following fields:
6.
Select Submit.
97
Edit Import Format
system.
1.
2.
formats.
3.
From the feature menu select Import Format then Edit Format.
4.
5.
Select Search.
98
6.
Select the appropriate template by clicking on the Format Name hyperlink.
7.
The template will be displayed. Edit the appropriate fields.
8.
Select Submit.
View Import Format
99
system.
1.
2.
formats.
3.
From the feature menu select Import Format then View Format.
4.
5.
Select Search.
6.
Select the appropriate template by clicking on the Format Name hyperlink.
100
7.
The template information will be displayed.
Upload an Import File
101
1.
2.
From the feature menu select Import then Run Import.
3.
From the drop menu delete the Format Name.
4.
Select Browse to locate the Positive Pay file to be uploaded.
5.
Select the appropriate file then select Open.
6.
Select Submit.
102
7.
A message will appear, Import successfully started.
8.
From the feature menu select Import then View Import Report.
9.
Enter the search criteria and select Search.
10. A
list of uploaded reports will appear.
103
Important: When up loading a Positive Pay file it is important that the user verify the
Import Status to make sure the file import was successful.
11. Select
the Report Name hyperlink to view details of the uploaded file.
12. If
the upload should fail, select the Report Name hyperlink to view the Error
Warnings.
104
Issue Maintenance - Add Issues/Voids
Use the Issue Maintenance - Add Issues/Voids screens to submit information about
individual checks directly to the ARP system.
1.
2.
From the Feature Menu, select Issue Maintenance and then Add Issues/Voids.
3.
Select an account number from the Account Number drop-down list.
Note: An account Lookup button will appear if the number of accounts exceeds the
maximum table display.
4.
Enter the Serial Number.
5.
Enter the Amount of the check being issued/voided.
6.
In Issue Date field, enter the date the check was issued (date format: mm/dd/yyyy).
This field is optional.
Note: If the user would like to void a check, the date the check is being voided must be
entered into the Issue Date field, not the date that the check was issued.
7.
Enter the Payee name. (This field is optional).
8.
Select either Issue or Void from the Action drop-down list.
9.
Enter Memo information (if applicable). (This field is optional.)
10. Select
Add Issues/Voids.
Note: All issues and voids are scooped at 2 p.m. for processing.
105
Monitor the Status of Checks
The Monitor screen can be used to locate and review the status of issued/voided
checks or exception items. Searches can only be performed on checks that have been
issued using the Issues/Voids screen.
1.
2.
From the Feature Menu, select Monitor, and then select Exceptions or Issues. The
Monitor search screen appears displaying the Exceptions or Issues search criteria.
3.
Select an Account Number or All Accounts from the drop down list.
4.
Enter additional criteria, if desired.
5.
After criteria fields are entered, select Search.
1.
The image of a check that appears on the Exceptions screen reflects the check as it
was presented for payment.
2.
Locate the check on the Exceptions screen.
3.
Select the Serial Number link to go to the Check Viewer. Use Check Viewer tools to
manipulate the check image. They can be accessed using the icons or by right
selecting on the image.
4.
Select the appropriate response: “Yes” to install and run the check viewer or “No” if
you do not wish to continue.
Note: Checking the box “Always trust content from Daeja Image Systems Ltd," will
106
Note: Microsoft XP Users may have a security pop box the next time an image is pulled up.
5.
Select More options.
6.
Select Always run software from “Daeja Image Systems Ltd.” Select Run, this
will prevent the box from appearing in the future.
The Image Viewer features thumbnail views of the front and back of the check on the
left side of the screen. Use the Image Viewer to manipulate the check image. You can
access the tools using either the icons or by right selecting on the image.
Note: If Don’t Run is selected, the User will no longer have the option of viewing images. Users
will then be required to download the image viewer software from an external URL.
107
Real-Time Balances
Balances inquiry allows the user to view real-time balances. The balances change
through the day as items are posted to the accounts.
1.
From the left-hand navigation, select Balances.
2.
Select an Account Number from the drop-down menu.
3.
Select View Balances. A list of real time balances will be displayed.
108
Personal Online Banking
Customers can view personal online banking accounts by linking to our retail online
banking product.
1.
2.
From the left-hand navigation, select Personal Online Banking.
3.
The Online Banking browser will open.
4.
Enter your login credentials.
5.
Select Submit.
109
Business BillPay
Customers can pay their bills online using our Business BillPay.
1.
2.
From the left-hand navigation, select Business BillPay.
3.
Select Make A Payment.
4.
Follow prompts to enter required information.
110
Audit
Audit allows an entitled user to view an audit trail of all user access to Business Online
Banking.
1.
2.
Under the Audit heading there will be listed two audit reports:
Audit Activities for Stop Payments, Positive Pay, Transfer Services
Audit Activities for ACH, Wire and Reporting
Note: The audit report for ACH, Wire and Reporting can be exported; however, the audit
report for Stop Payments, Positive Pay and Transfer Services can only be viewed.
3.
Select the appropriate audit report.
For Audit Activities for Stop Payments, Positive Pay, Transfer Services enter
the following search criteria and select View Audit Report.
-
From Date
To Date
From Time (optional)
To Time (optional)
Customer user id or default to All
- Service & Event Criteria to look up a specific Service (Stop Payment, Positive
Pay or Transfer) or a specific Event (example add a Stop Payment, cancel a
Stop Payment, Import Positive Pay, etc.)
111
For Audit Activities for ACH, Wire and Reporting enter the following search
criteria and select Report.
-
From Date
To Date
From Time (optional)
To Time (optional)
Sort Order (optional)
User – select a specific user or all users
Report Output – view the audit report on the Screen or export the File.
Note: Audit information for both reports is available for 30 days.
112
Holiday Table
Customers can view the holidays on which the bank is closed and will not process any
ACH or Wire transactions. Yes in the ACH and Wire columns indicates that the bank is
closed.
1. From the left-hand navigation, select Administration.
2.
Select View holidays on which services do not process. The Holiday Table will
be displayed.
113
Positive Pay Issue/Void Maintenance File Form
Date: __________________
Santander Bank
Corporate Services Department
Phone: 617-533-1741
Fax: 617-533-1933
PO Box 2016
Boston, MA 02106
Company: ________________________________________________________
Account Number: __________________________________________________
*TOTAL ISSUE AMOUNT:$_________________________________________
*TOTAL ISSUE COUNT#: __________________________________________
*TOTAL VOID AMOUNT: $_________________________________________
*TOTAL VOID COUNT#: __________________________________________
If there is a problem with the file please call: __________________________
Phone# ________________________
114
Cut-off Time
Listed below are the cut-off times for the various modules.
Module
Cut-off Time
Real Time Account Transfer
10:45 p.m.
Batch Account Transfer
6:45 p.m.
ACH
12 p.m.
4 p.m.
6:45 p.m.
Wire Transfer (Foreign Currency)
2 p.m.
Wire Transfer (Fed and Fed Int’l)
5:30 p.m.
Positive Pay Exception decisions
2 p.m.
Positive Pay Issue Maintenance
2 p.m.
Stop Payments
8 p.m.
115

Reference Guide - Santander Bank

Transcription

Similar documents

hemispheres t/t wire cover letter

July, 1993 - Stumpf Welding Supplies

fdfdfdf fddfdfdf O cto ber 2 0 1 3 fddfdfdf

For Technical Assistance Contact: OMIX

Math 335 Fall 2013, Exam 2 Key , , = 〈2 , + , −3 〉.

Cheers to our GoCu team from Korea having developed the

Beamworks promo - Hubens Machinehandel

Full Bio

GBC WIREBIND W15 BINDING MACHINE

Withdrawal Request Form