Funds Transfer (Wire)

Transcription

PINACLE® Express
Training Module
PNC Treasury Management
Client Implementations Support
This material is delivered by PNC on the condition that it be kept confidential and not be shown to, or
discussed with, any third party, including any financial institution (other than on a confidential or needto-know basis with the recipient's directors, officers, employees, counsel and other advisors, or as
required by law), or used other than for the purpose of using PNC’s services, without PNC’s prior written
approval.
Last updated June 2012
© 2012 All Rights Reserved. PNC Bank, N.A. Member FDIC.
Proprietary & Confidential
Logging into PINACLE® Express
Begin by going to http://www.pnc.com in your web browser. Once there, select SMALL BUSINESS from
the top of the screen. Next, click on the drop-down box under SIGN ON TO OTHER SERVICES, located
on the left-hand side of the page, and select PINACLE® Express to access the Sign On page.
On the Sign On screen, enter
your
Company
User
ID,
Operator ID, Password, and
Token Passcode (if applicable).
Quick Find: Direct your browser to http://www.pnc.com
Password Requirements
Passwords
Passwords must adhere to the
following rules:
• Between 8-14 characters
• At least one letter, one number,
and one special character
• No spaces
When changing your password, a
strength indicator shows red until
the password meets the minimum
requirements, at which point it
turns green.
Quick Find: Client Service  Change Password
Token at Login
• Token Pass code •
The following services require a Token
Pass code:
• ACH
• ACH Positive Pay
• Capital Markets
• Foreign Exchange
• Funds Transfer
• Payables Advantage
If you are trying to access ACH, ACH Positive Pay, Capital Markets, Foreign Exchange, Funds Transfer, or
Payables Advantage, a Token Pass code MUST be entered. If no Token Pass code is entered on the Login
page, you will be prompted to input one upon entering the module. Tokens are assigned to operators by
your company’s administrators. Operators MUST have a token assigned to them in order to access the
above services.
PLEASE NOTE: If your company or Operator ID is set up to have Token at Login as a requirement each
time you are logging into PINACLE® Express, regardless of what service(s) you are accessing, you MUST
enter a Token Pass code.
To generate the Token Pass code, simply press the gray button on the token. A random response is
generated. Type that response into the Token Pass code field. To order additional tokens, please contact
your PNC Treasury Management Officer or Sales Associate.
Quick Find: We recommend you save the Login page displayed above as a “Favorite”
Main Menu
Upon logging in, the Home Page screen will display. This screen features portlets that will allow you to
have quick access to balance information, various functions, PINACLE® Express News, and other items of
interest. For more information on the Home Page, see the Home Page/Dashboard Training Module.
• The Utility Bar, located at the top right of the main menu, contains the My Profile, Message Center,
Event Notification, Administration, Contact Us, and Help functions. These links may vary depending on
your entitlements. Clicking on the Log Out link will end your current PINACLE® Express session. Failure
to do this may cause you to receive a duplicate login with your next login attempt.
• The Modules Tab Bar displays modules that your Operator ID is entitled to. These are listed in
alphabetical order at the top of the screen. To access a module, simply click on its tab. If you have more
than 12 tabs, you will see an Other tab. Clicking Other will display the rest of the modules.
• The Quick Links drop-down gives you a list of commonly used PINACLE® Express functions to which
you have entitlements (i.e. performing a check inquiry or initiating a wire).
• The Message Bar runs across the length of the screen. It will contain information on Alerts,
Informational Messages, and Event Notifications. To learn more about a message that has been posted,
either click on the banner message or click directly on the Message Center hyperlink. Once you have
read and acknowledged the message(s), the Message Bar will disappear. For more information, please
see the Message Center slide.
Quick Find: Top of every screen of PINACLE® Express
My Profile
Clicking the My Profile link on the Utility Bar directs you to the Preferences screen. This page allows
you to set preferences for your Home Page, as well as modules to which you have entitlements. For
more information on Preferences, see the training modules for the respective services.
The Security Information section allows you to change your password and Security Questions.
The Change Email screen allows you to change and/or add your email address on file for your Operator
ID. An email address is needed in order to Report/Track Issues, receive Event Notification emails, and/or
utilize the password self-reset function on the Login Page.
Message Center
Whenever there is a System Alert, Event Notification, and/or Informational Message available, a message
banner will display at the top of the page. Multiple messages may appear in this message bar.
Depending on the severity of the message, the bar may appear red (indicating a System Alert), orange
(Event Notifications are available), or blue (an Informational Message is available).
To read a message, you can view it on the Home Page portlet; click directly into the Message Center from
the Utility Bar, and/or click on the banner message at the top of the page.
Quick Find: Home Page
Message Center
(continued)
The Message Center contains two pages: View Messages and View Message History. The View
Messages page is the first page that will display when you first enter the Message Center. This page will
display new messages that are unacknowledged.
To view messages, you can choose to expand all
sections, expand only a specific section, or click
on the message type hyperlink to expand.
To acknowledge a message, check the box to
the left of the message or choose Select All
Expanded Messages and click on the
Acknowledge Selected Messages button at the
bottom of the page. Acknowledged messages
will be moved to the View Message History page
and the banner message at the top of the screen
will disappear.
To view messages within your history, click on the View
Message History link, located at the top of the Message
Center. You can choose which types of messages to
expand or choose to expand all messages at once.
Quick Find: Message Center  View Messages
Contact Us
The Contact Us section of the Utility Bar displays Phone & Email, Manage Issues,
and Manage Requests.
The options displayed within the Contact Us section can vary, depending on your
Operator ID’s entitlements.
Phone & Email
Click on the Phone & Email option to display the phone number, fax number, and email address of
Treasury Management Client Care (TMCC).
Quick Find: Contact Us
Contact Us
(continued)
Manage Issues: Reporting Issues
In addition to calling or emailing, you can submit issues directly through PINACLE®
Express. TMCC maintains a service level agreement of two business days. You will
receive a response to your issue within this time frame.
Click Report Issues from Contact Us on the Utility Bar. The first screen will prompt you
to select the specific Product and Account for the issue you are reporting. Click
Continue.
Next, select Problem/Issue you wish to report. If your issue does not appear in the list, select Other and
click Continue.
The final screen allows you to enter Additional Information, describing the issue you are reporting. Click
Submit. Your issue will be sent to the proper department for a resolution. An issue tracking number will
be assigned to each case.
Manage Issues: Tracking Issues
Click Track Issues from Contact Us. Issues submitted through the web and those reported over the
phone will display, providing you with a complete record of your interaction.
You can easily identify the two types of issues:
Issues entered via the web are marked with a globe icon.
Issues reported by phone are marked with a telephone icon.
Contact Us
(continued)
Manage Requests: Add and Review Service Requests
Operators with the Service Requests entitlement can add certain service changes to
their PINACLE® Express setup and view submitted requests. Changes submitted are
sent to your company’s PNC Treasury Management Representative and will affect the
entire Company ID.
Manage Requests: Reports
The Reports option allows you to view an audit report for one or all operators within
the Service Requests service.
Please Note: Only operators with the proper entitlements will have access to the various Contact Us functions.
Help
Clicking on Help on the Utility Bar will lead you to the PINACLE® Express Help page. You can access the
Training Resource Center, view information on Accessing PINACLE® Express, and view our industryleading Tip Cards.
• The Training Resource Center
allows you to self-register for live
training webinars, view recorded
training sessions, and view training
slideshows. To access the Resource
Center, enter your email address or if
you are a new user, click the Register
button
and
provide
your email
address, name, and company.
• The Accessing PINACLE® Express
area
lists
browser
and
system
requirements, security components,
and information on how to log into
PINACLE® Express.
• The Tip Cards sections give you
step-by-step instructions on how to
navigate through all of the utilities and
modules within PINACLE® Express.
Quick Find: Help
Repetitive Templates
Repetitive Templates allow you to retain and easily
access essential transaction information for future use.
All templates require secondary approval prior to use.
One Operator creates the template while another
Operator, with the proper authority, approves the
template, making it available to all entitled operators.
Repetitive Templates: Creating Repetitive Templates
Repetitive templates allow you to store transaction information for future use. Templates are created for
both a specific debit account and payment type. Once a template has been created, it can easily be
retrieved using a unique Template ID.
To create, maintain, or approve any repetitive templates, click the Manage hyperlink from the left-side of
the screen. The Manage Templates screen will display. Begin by clicking the drop-down arrow and
selecting the type of template that you wish to create. The process of creating a repetitive template is the
same for all wires.
Click “Go”.
Quick Find: Funds Transfer  Templates Manage
Repetitive Templates: Creating Repetitive Templates (continued)
An overview of the seven available payment types appear below.
Domestic Payment Types
Book Transfer
US dollar denominated transfer between PNC accounts.
Domestic
US dollar denominated wire originated through PNC Bank,
cleared through the Federal Reserve Network, and settled to
a US domestic bank.
International Payment Types
International Wire - USD
US dollar denominated transfer originated through PNC
Bank and settled to a foreign bank.
International Wire – F/X
Foreign currency denominated transfer originated through
PNC Bank and settled to a foreign bank.
Drawdown Wire Request
Request of funds to be debited from a US remote depository
to credit an account at PNC Bank.
Federal Tax
Same day wire transfer for the settlement of Federal Tax
Payment liabilities.
IRS Bulk Tax Payment Wire
Used by third party payroll processors.
Quick Find: Funds Transfer  Templates  Manage
A blank template will display. Templates will vary between payment types. However, they are all laid
out in the same basic way. Below is the Repetitive Domestic Wire. All * fields are required.
Exclude Template from Auto-Approval Process : if your company
uses the Auto-Approve feature for repetitive transactions (where repetitive
transactions under a certain amount do not require a manual approval),
you can exclude specific templates from that process
Template ID / Template Name - unique indicators that allow you to
identify this particular template. Template ID can be up to 10-digit
alphanumeric code. Template Name can be up to 20 alphanumeric
characters.
Debit Account - the account from which funds will always be drawn
when using this template.
Amount – You can leave the amount open for editing when the template
is used for initiation or you can choose to pre-fill it with an amount. When
you check the “Allow Amount Changes at Initiation”, the initiator will be
able to edit the amount. Optionally, if you want to set a Maximum Amount
for the template, this will allow the initiator to change the amount, but not
to exceed the limit. Alternately, you can enter the amount and lock it
down so that it cannot be changed when the template is used for
initiation. If you leave the “Allow Amount Changes at Initiation”
unchecked, the initiator will not be able to change the amount.
Beneficiary Bank ID - the 9-digit ABA routing number (or SWIFT ID
code in the case of international wires) of the bank to which funds will be
sent.
Beneficiary Bank Name/Beneficiary Bank Address - populates
automatically upon entering the Bank ID.
Beneficiary Account/Beneficiary Name - belong to the ultimate
recipient of the wire; the Beneficiary Address field is not required.
However, providing the beneficiary’s address is a suggested practice as it
helps us to better ensure the wire’s proper delivery and credit.
Reference for Beneficiary (RFB) and Originator to Beneficiary
Information (OBI) - used to provide the beneficiary party additional
information related to the wire transfer. The RFB field allows for 16
characters and/or spaces and the OBI field allows for 140 characters. By
checking the box, you are allowing there to be changes to the RFB and
OBI information at initiation. By unchecking the box, you are locking down
the field so that changes may not be made.
Quick Find: Funds Transfer  Templates  Manage  Create Templates – Repetitive Entry
If your Company participates in the Auto-Approve feature for repetitive transactions (where
repetitive transactions do not require a manual approval), you will be able to exclude the
template form that process by selecting the Exclude Template from Auto-Approval Process box.
There are two features which allow you to provide necessary information if there is a Receiving Bank
and/or Order Party. Because this information is not always necessary, these fields are hidden by default.
Click on the expansion triangles to expand.
A Receiving Bank acts as an
intermediary between the originating
bank and the beneficiary’s bank.
This information is frequently used
when initiating international wires.
Order Party information is used to
identify the party or individual, if
different than the debit party, for
whom
the
transfer
is
being
originated.
For International wires, there is a field for Charge Party. This
field designates the party that will assume any charges assessed
by an intermediary bank to process the item and forward to the
appropriate beneficiary bank.
Once you have filled in the required
fields, hit the button at the bottom of
the page.
The Create Template – Creation Status bar
appears with the status of your template. You are
then given the opportunity to “Create Another
Template”.
The next step is to have another Operator with
approval entitlements log into the system to
approve your template before you can use it to
initiate transactions.
Repetitive Wires
Repetitive wires are those that originate from Repetitive
Templates.
Initiating Repetitive Wires: Single Repetitive
You can manually enter one or more
Template ID(s) to initiate a single or
repetitive wire.
To initiate a wire using a repetitive
template, click the Initiate hyperlink
from the feature menu. Next, select the
Template ID(s) for Initiation and click
the Continue button. Please note:
You can select one or more templates
at a time.
Quick Find: Funds Transfer  Payments Initiate
Initiating Repetitive Wires: Single Repetitive (continued)
Since templates retain transaction information regarding specific payees, most of the necessary fields
are pre-filled, and in most instances, the only fields requiring attention are Amount and Value Date.
orange indicates a required field.
Value Date is the day on which the
transfer of funds will take place. Clicking
the calendar icon located beside the
Value Date field will enable you to
predate the transfer as far as 30 days in
advance, except for International F/X
wires.
Assuming
the
transfer
is
approved within 48 hours after
initiation, it will be released and
processed on the Value Date.
Should the specified Value Date
pass
before
the
transfer
is
approved, the transfer will become
stale-dated and will need to be
modified or deleted.
Click Submit once finished. The
Status will be adjusted to “Pending
Approval”.
Quick Find: Funds Transfer  Payments Initiate
Initiating Repetitive Wires: Group Repetitive
To initiate multiple wires from a group of templates, click the
Group hyperlink under Templates. Click “Add”.
The Group Templates – Add Group
screen will display, listing all
templates saved under that Group
Name. Enter in a Group Name.
Highlight the template(s) from which
you wish to initiate wires, in the
Available Templates box, and using
the Add/Remove buttons, move them
to the Selected Templates box. The
default Value/Send Date will default
to the current business day. You can
change the date by clicking on the
calendar icon. Click “Submit”.
Quick Find: Funds Transfer  Templates Group
Initiating Repetitive Wires: Group Repetitive (continued)
To Initiate a group
payment, click the dropdown arrow associated
with “Group” and select
your previously created
group. Then click
“Search”.
You can select all or
some members of
this group for this
transaction. Once
you have chosen the
Beneficiary(ies),
click “Continue”.
Quick Find: Funds Transfer  Initiate
Initiating Repetitive Wires: Group Repetitive (continued)
If the settings were
set as such, the
dollar amounts, may
be adjusted. Review
the request for
accuracy and click
Submit.
The next screen that will populate
will indicate that the requests are
“Pending Approval”. A separate
Administrator with approval
entitlements will need to approve
these transactions.
Quick Find: Funds Transfer  Initiate
Non-Repetitive Wires
Non-repetitive wires, or freeform wires as they are commonly called, do not
originate from repetitive templates. They are wires initiated and approved for
one-time transactions. These wires always require secondary approval. This
means the same Operator cannot initiate and approve the same wire transfer.
Another Operator, with approval entitlements, will need to approve the wire
before the transfer can be completed.
Initiating Freeform Wire
Begin by selecting Funds Transfer from the Module Tabs, located at the top of any PINACLE® page.
You will be directed to the Initiate screen, from which you can initiate both repetitive and non-repetitive
(one time) wire transfers. There are currently seven different types of wires available.
Quick Find: Funds Transfer Initiate
Initiating Freeform Wire (continued)
Once you select the type of freeform wire that you wish to initiate, begin to complete the Initiate Payment – Free Form Entry
page.
DOMESTIC WIRE
Input all * information and any other pertinent info. Once entered and
reviewed, click “Submit”.
Debit Account - The account from which funds will be drawn.
Value Date – The date that you want the wire to occur. You can future date 30
days in advance. However, 14 days in advance is suggested.
Amount – Enter the amount that you would like to send to your beneficiary.
Beneficiary Bank ID - The 9-digit ABA routing number of the beneficiary bank
to which funds will be sent.
Beneficiary Bank Name/Beneficiary Bank Address - Populates automatically
upon entering the Bank ID.
Receiving Bank – If you have an intermediary bank, common with International
wires, click on this link to expand.
Beneficiary Account/Beneficiary Name - The account number and name of
the ultimate recipient of the wire.
Beneficiary Address – This field is not required. However, providing the
beneficiary’s address is a suggested practice as it helps us to better ensure the
wire’s proper delivery and credit.
Reference for Beneficiary (RFB) and Originator to Beneficiary Information
(OBI) - Used to provide the beneficiary party additional information related to the
wire transfer. The RFB field allows for 16 characters and/or spaces and the OBI
field allows for 140 characters.
Order Party - Used to identify the party or individual, if different than the debit
party, for whom the transfer is being originated. Click to expand.
Quick Find: Funds Transfer Payments Initiate Initiate Payment Freeform Entry
Non-Repetitive Wire: International Wire - USD
INTERNATIONAL WIRE – USD
All fields with a * must be populated.
Debit Account - The account from which funds will be drawn .
Amount – Enter the amount that you would like to send to your
beneficiary.
Value Date – The value date field for future-dating will vary by
wire type.
Beneficiary Bank ID - The 9-digit ABA routing number of the
beneficiary bank to which funds will be sent.
Beneficiary Bank Name/Beneficiary Bank Address Populates automatically upon entering the Bank ID.
Receiving Bank – If you have an intermediary bank, common
with International wires, click on this link to expand.
Beneficiary Account/Beneficiary Name- The ultimate
recipient of the wire.
Beneficiary Address – This field is not required. However,
providing the beneficiary’s address is a suggested practice as it
helps us to better ensure the wire’s proper delivery and credit.
Charge Party - field designates the party that will assume any
charges assessed by an intermediary bank to process the item
and forward to the appropriate beneficiary bank.
Reference for Beneficiary (RFB) and Originator to
Beneficiary Information (OBI) - Used to provide the
beneficiary party additional information related to the wire
transfer. The RFB field allows for 16 characters and/or spaces
and the OBI field allows for 140 characters.
Order Party - Used to identify the party or individual, if different
than the debit party, for whom the transfer is being originated.
Click to expand.
Non-Repetitive Wire: International Wire - F/X
INTERNATIONAL WIRE – F/X
*All fields with * must be populated.
Debit Account - The account from which funds will be drawn.
Credit or Debit Amount – Enter either the credit amount OR the debit
amount. The page will refresh and the equivalent credit/debit amount will
automatically be populated.
F/X Rate – This will appear once you fill in the credit/debit amount. The
rates will reflect the current rate. The wire will book the current rate upon
APPROVAL of the wire.
Send Date – The date that you want your wire to process.
Value Date – The date that the payment should be received by the
beneficiary. The final Value Date will appear in Reports upon confirmation.
SWIFT – When the Beneficiary Bank selector is set to SWIFT, the
Receiving Bank data is locked and not editable by the operator.
Beneficiary Bank ID – The SWIFT ID of the beneficiary bank.
Beneficiary Bank Name/Beneficiary Bank Address - Populates
automatically upon entering the SWIFT ID in the Beneficiary Bank ID field.
Receiving Bank ID/Name – Populates automatically upon entering the
SWIFT ID in the Beneficiary Bank ID field.
Beneficiary Account/Beneficiary Name - The account number and
name of the ultimate recipient of the wire.
Beneficiary Address – Populates automatically upon entering the SWIFT
ID in the Beneficiary Bank ID field.
Charge Party - field designates the party that will assume any charges
assessed by an intermediary bank to process the item and forward to the
appropriate beneficiary bank.
Reference for Beneficiary (RFB) and Originator to Beneficiary
Information (OBI) - Used to provide the beneficiary party additional
information related to the wire transfer. The RFB field allows for 16
characters and/or spaces and the OBI field allows for 140 characters.
Order Party - Used to identify the party or individual, if different than the
debit party, for whom the transfer is being originated. Click to expand.
Non-Repetitive Wires: International Wire – F/X (continued)
For International – F/X (foreign exchange) wires, enter either the Credit Amount (in foreign currency) or the Debit Amount
(USD). The page will refresh and the equivalent credit/debit amount will automatically be populated.
The exchange rates will reflect current rates. At the time of wire approval, the most current rate will be used to process
your transaction.
 Federal Exchange (F/X) rates are only available from 4:00 AM to 5:59 PM EST on business days. It is during this time
that you can initiate by 5:57 PM and approve by 5:59 PM F/X payments. If you attempt to initiate or approve at any other
time, a message displays indicating the rates are not accessible.
 The dates available in Value Date field for future-dating will vary by wire type.
 After the wire has been approved (in confirmed status) the final F/X rate and amounts will show under Reports.
Non-Repetitive Wire: International Wire – F/X (continued)
 F/X rates are only available from 4:00 AM to 5:59 PM EST on business days. It is during
this time that you can initiate by 5:57 PM and approve by 5:59 PM F/X payments. If you
attempt to initiate or approve at any other time, a message displays indicating the rates are
not accessible.
 At the time of wire approval, the most current rate will be used to process your
transaction. ***Please Note: It is possible that the rate at the time of wire initiation be
different than at the time of approval.
 After the wire has been approved (in confirmed status) the final F/X rate and amounts will
show on the Approve Payments – Approval Status page.
Non-Repetitive Wire: Trace ID
After initiating a Wire (non-repetitive & repetitive), you will receive a Trace ID dialog box, which will
include a 12 digit Trace ID. This Trace ID is used for tracking purposes within the Reports section in
the Funds Transfer Module. The next step is to have the wire approved by a different Operator ID.
Take note of the Trace Id.
This Id can be used for
tracking purposes within the
Reports section.
The next screen that will populate will indicate
that the requests are “Pending Approval”. Another
operator with approval entitlements will need to
approve this payment before it can be processed.
Quick Find: Funds Transfer Payments Initiate Initiate Payments – Initiation Status
Payment File Import
Payment File Import is a feature of the Funds Transfer Service that will save you time
associated with manually keying in wire transfer instructions by importing files
created from another system or application. When the files are successfully imported
into PINACLE® Web, the wire transfers have been initiated and only require to be
approved to complete the transfer. The Funds Transfer file import capabilities of
PINACLE® Web are made available to all clients having access to the Funds Transfer
module. The import limit is defined by your maximum company dollar amount pre-set
by PNC’s implementation team.
Payment File Import
The file import feature allows you to import files created in another application. When the files are
imported into PINACLE® Web, you only need to approve them to complete the transfer.
Before importing your file, you must define the mapping specifications of the import format you intend to
use. The same specs can be used each time you import your payment files.
There are four basic steps to using Payment File Import:
 STEP 1: Creating and defining an import format (specifications for the import file including file format and field
mapping details).
 STEP 2: Importing payment files into the Funds Transfer Module.
 STEP 3: Accessing the import reports.
 STEP 4: Managing import formats.
There are two types of supported files
Fixed Width Text – A file format that contains data in a continuous string of characters and spaces.
Each character and space defines a separate column. 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 length of each field by their values in the import format.
Delimited Text – A file format that uses a delimiter 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.
Quick Find: Funds Transfer  Payments  Import
Payment File Import: Mapping a file
There are two types of payment file layouts:
 Repetitive – any repetitive templates currently set up on the Funds Transfer module
 Non-Repetitive – the following four types: Domestic, Book Transfer, USD International and F/X
International
From the Initiate
Payments screen,
select Import.
Fields with an
orange asterisk are
required. Indicate
the format type
(delimited, fixed
width) and browse
for the Import File
Name on your
computer or
external device.
Payment File Import: Mapping a file (continued)
Begin by assigning a name to the Import Specification. Next, click on the File Type Button to select either Delimited
Text or Fixed Width. If you select Delimited Text, then select a Delimiter.
The Field Characteristics specify how the dates and amounts are formatted in the import file. Select a Date Format,
how dates are separated, and decimal or no decimal for the amount format.
Choose either the Non-Repetitive or Repetitive Payment File Layout.
Type a number in the Payment Records Start On Line textbox. The number you designate in this field will
determine the first line where payment data starts on your file.
Click the Continue button.
Please Note: Repetitive layouts include any Repetitive Templates currently set up on the Funds Transfer Module. NonRepetitive layouts include Domestic, Book Transfer, USD International, and F/X International.
Field Mapping - Fixed Width
Field Name
Account
Number
Transaction
Date
Amount
Start
Position
Field
Length
Maximum
Length
Comments
1
12
24
Your account number with PNC Bank that you wish to wire funds
from.
13
10
10
The value date of a transaction.
14
The value of the payment to be executed. Required for all payment
types except International Foreign Currency payments when the
Foreign Currency amount is provided or if the amount is specified
in the repetitive template.
23
14
Field mapping for delimited text specifies the order of the fields as they appear in the file to be imported by entering the number
in the import format. For example, column A=1, B=2, etc.
Payment File Import: Confirmation
Next, you will see the Payment File Import Confirmation Report. If the report indicates rejected
transactions, review the error message and re-import only those items. You can also initiate them
manually. Once transactions have been imported, you can Modify, Approve or Send the wires.
Each successfully imported item is assigned a Trace ID so you can track the transaction’s status. You
must correct the error in the original import file and then re-import only the corrected data or
initiate them manually. Do not import the entire file, only the corrected data.
Payment File Import: Modifying a Format
You can modify format or mapping
specifications. Click on the Import link under
Payments and all imported files will appear.
Select the Import File that you wish to
modify by clicking its hyperlink. Make any
corrections and click the Continue button to
accept the changes.
Quick Find: Funds Transfer  Manage Import Mapping Specifications  Manage
Existing File Import Mapping Specifications
Payment File Import: Deleting a Format
You can Delete an imported file. Select the box next to the Import File that you wish to Delete. Then click the
Delete hyperlink.
Quick Find: Funds Transfer  Manage Import Mapping Specifications  Manage
Existing File Import Mapping Specifications
Payment File Import: Viewing Import Reports
The Imported Full Detail Wire Activity Report and Imported File Status Report are available in the Reports
section.
Quick Find: Funds Transfer  Reports
Approving, Modifying, and Deleting
Templates and Wires
The Funds Transfer system requires one Operator ID to initiate a wire or template
and a different Operator ID to approve the wire or template. A wire does not
process until it is approved in PINACLE®. If you future date a wire, it must be
approved within 48 hours of the initiation date.
An Operator may modify or delete their own template. However, a different
operator with approver entitlements must approve the changes before the wire or
template can be used for payment.
Approving Repetitive Templates
All templates must be approved by an Operator with repetitive template approval entitlements. You cannot create and
approve a template using the same Operator ID.
To approve pending repetitive templates, click the Funds Transfer tab from the feature menu. Click on Approve under the
Templates section. Select a template by placing a checkmark next to the template and click Approve at the bottom of the
page.
Templates pending
approval can be done one
at a time, or all at once.
To look at each template
individually click the “+”
next to the template that
you wish to view. Verify
that the information
contained in the template
is correct.
Click “+” to expand on info to review. Check box
next to wires that you are approving.
Remember, this
template will be used
repeatedly to wire
funds to the same
party.
Click box in the header
row to select all templates
for approval. Click
Approve once you are
ready to approve the
template(s).
Other Operators may have templates awaiting their approval that you will not see.
Quick Find: Funds Transfer  Templates Approve
Approving Repetitive Templates (continued)
The Approve Template – Approve Status screen will display. Click “Approve Another Template” to continue. If no
additional templates require approval, you may continue onto your next activity.
Quick Find: Funds Transfer  Templates  Approve
Rejecting Repetitive Templates
In some cases, the approver may choose to Reject the template for Repair. From the blue Navigational Menu, the Approver
will click on the Approve hyperlink. Then they will place a checkmark next to the template that they are decisioning and
click the Reject hyperlink at the bottom of the page. When the Operator is decisioning the template, they have the option
of inputting a Reject Reason and then clicking on the Reject button. The status of the template then becomes Rejected for
Repair and must be corrected. It will then re-enter the approval process. This template cannot be used before it is
approved.
Quick Find: Funds Transfer  Payments  Approve
Modifying Repetitive Templates
To modify templates select the Manage hyperlink under the Templates feature.
The Manage Templates screen will display. Scroll down to select templates to
modify. This list may be sorted by any of the Summary headings: Account,
TemplateID, Template Name, Type, Beneficiary, Amount, or Status.
Modifying Repetitive Templates (continued)
Click the Template ID that you wish to modify. The details will populate onto the
screen. Make the changes that are needed and click “Submit”.
Please note: An audit
history of the template is
available for tracking
purposes at the bottom of
the screen.
Once a template is modified the status
changes to Pending Approval and it
must go through the approval process
again.
Deleting Repetitive Templates (continued)
To delete templates select the Manage hyperlink under the Templates feature.
The Manage Templates screen will display. Scroll down to select templates to
delete. This list may be sorted by any of the Summary headings: Account,
TemplateID, Template Name, Type, Beneficiary, Amount, or Status.
Click the box next to the template that you
wish to delete. For additional details before
deleting, click on the “+” to see additional
details regarding the template. You may
delete multiple templates by clicking the box
next to each template. You can also delete
all templates by clicking the box in the
header. Then click “Delete”.
A confirmation box will appear
to verify that you wish to delete
the template(s).
Approving Wires
To approve a wire, click the Approve hyperlink from the feature menu under Payments. The Approve
screen will display summarizing those wires pending approval.
You can search for a specific payment that you
wish to approve by utilizing the search functions
at the top of the page. You can search by:
Account, Beneficiary, Status, or an amount range.
Check the box to the left of the payment that you wish to
approve. Use the “+/-” to expand or hide details of payment. If
you wish to approve all payments listed, check the box in the
header to select all.
Click the Approve box when you
have selected the payment(s)
that you want to approve.
Quick Find: Funds Transfer  Payments Approve
Approving Wires (continued)
The Token Authentication screen will display. A token is required at login to access the Funds Transfer
module. For those operators who are approving wires, a token is also required for wire approvals.
To generate a Token Passcode, simply press the button on your token device and key in the response
within the Token Passcode field. For those operators with a “keypad” token, enter your pin number into
the token in order to generate a response.
The Approve-Confirmation page will display with a high-level detail of the wire(s) that were just
approved. Once your wire(s) has been approved, make sure to go to the Reports section within Funds
Transfer in order to view the details of the wire(s).
Quick Find: Funds Transfer  Payments Approve
Automated Transaction Approval Form
Funds Transfer is setup so that one Operator initiates
a wire, and another Operator, with appropriate
entitlements, approves that wire. This means the
same Operator cannot initiate and approve the same
wire.
While many companies believe this process offers
adequate procedural safeguards against fraud and
money laundering, some companies opt to waive this
feature for repetitive transactions.
The Automated Transaction Approval Form allows a
company to waive the need for the approval of only
repetitive wires (those wires originating from a
repetitive template). The Template would still need
to be approved when created.
1,000,000.00
As part of this form, a company must indicate a
threshold dollar limit under which repetitive wires are
automatically approved. If the transaction is below
the dollar limit threshold defined by the Company, it
will be auto-approved.
For more information on this document, contact
your Sales Associate or Treasury Management
Officer.
Modify Wires
NOTE: Only wires not in an “Approved” status can be Modified.
To select a
payment to Modify,
click on the Status
hyperlink or the
Trace ID number.
Quick Find: Funds Transfer  Payments Manage
Modify Wires (continued)
Click on the Rejected for
Repair hyperlink to re-enter
the form and make the
necessary corrections. Take
note if a reason was provided
for the rejection.
Once the corrections have been made, the status will be updated on the
Payments Manage screen to Pending Approval. The payment must reenter the approval process before paying.
Deleting Wires
NOTE: You cannot delete a wire that has already been deleted, has a payment approved, or
is open to modify.
Select the box next to
the payment that you
wish to delete. To
view more detail
about the payment
select the “+/-”
expansion button.
Once you have selected the payment that you want to
delete, click the Delete button.
Deleting Wires (continued)
You will be prompted if
you are sure that you
wish to delete this
payment.
The Manage Payments
– Deletion Status
screen will appear
indicating if your
deletion request was
successful.
Reports
Funds Transfer Reports contain transaction information
about the accounts for which you have entitlements. All
reports have a retention period of 90 calendar days relative
to the initiation date of the wire.
Reports: Types of Reports
To access Funds Transfer Reports, click on Reports from the Funds Transfer Module tab. The Reports
screen will display, allowing you to perform a search for a report by Trace ID or Group Trace ID,
Activity Reports By Date, Miscellaneous Reports and Special Reports.
Search By Trace ID or Group
Trace ID allows you to view a
Full Detail Wire Activity Report
for an individual item or a group
of items that you have imported.
 Each Activity Report By Date
is generated for a single day
based on the Initiation Date or
Value/Send date within the last
90 calendar days.
 Miscellaneous Reports
enables you to create reports
that display only the data that
meet the criteria that you select
(e.g. Custom Query Report,
Repetitive Template Report, Audit
Report).
Special Reports provide the
status of all wires, regardless of
their source.
Quick Find: Funds Transfer Reports
Reports: Activity Reports by Date
The Activity Report by date can be operator
defined by Initiation Date or Value/Send Date.
This is a single date within the last 90 calendar
days. There are eight reports to select from this
section:
Full Detail Wire Activity Report
List Summary Activity Report
Deleted/Cancelled Wire Activity Report
Imported Full Detail Wire Activity Report
Imported File Status Reports
Pending Approval Wire Activity Report
Pending Confirmation Wire Activity
Report
Future Dated Approved Wire Activity
Report
Reports: Activity Reports by Date (continued)
To navigate the
report, use the
links in the tool
bar to move
through the
report, adjust
the view, and
print or
download to
.pdf or .csv.
View the complete details of transactions for all accounts for which you have entitlements. The
report is sorted by ascending Account Number, then by descending amount. An account-level
summary will display with the amount and count of items for that account. Grand Totals for all
accounts will display at the end of the report.
To navigate the
report, use the
links in the tool
bar to move
through the
report, adjust
the view, and
print or
download to
.pdf or .csv.
View the summary of transactions for all accounts for which you have entitlements. The report is
sorted by ascending Account Number. An account-level summary will display with the amount and
count of items for that account. Grand Totals for all accounts will display at the end of the report.
Each Trace ID is linked so that you can view the completed details of that transaction.
To navigate the
report, use the
links in the tool
bar to move
through the
report, adjust
the view, and
print or
download to
.pdf.
View the details of all items that were deleted by an operator at your company or cancelled by the
bank. The report displays in the same format as the Full Detail Wire Activity Report.
Quick Find: Funds Transfer  Templates  Reports
To navigate the
report, use the
links in the tool
bar to move
through the
report, adjust
the view, and
print or
download to
.pdf or .csv.
View the complete details of transactions initiated through the import feature.
View the complete details of transactions initiated through the import feature. For further detail on
any particular attempt, click on the Import File Name hyperlink.
To navigate the
report, use the
links in the tool
bar to move
through the
report, adjust
the view, and
print or
download to
.pdf or .csv.
View the complete details of transactions that have a Pending Approval status. The report displays
in the same format as the Full Detail Wire Activity Report.
To navigate the
report, use the links
in the tool bar to
move through the
report, adjust the
view, and print or
download to .pdf or
.csv.
View the complete details of transactions that have been sent to the bank, but have not yet
received a Confirmed status. The report displays in the same format as the Full Detail Wire Activity
Report.
To navigate the
report, use the
links in the tool
bar to move
through the
report, adjust
the view, and
print or
download to
.pdf.
View the complete details of transactions that are future-dated and have been approved for release
in the future. The report displays in the same format as the Full Detail Wire Activity Report.
Reports: Miscellaneous Reports
You can create a custom Activity
Report where you can define the
accounts, report style, dates, and
many other criteria. This report tool
allows you to run the report for only
the items or scenarios that you are
interested in viewing.
Reports: Miscellaneous Reports (continued)
To navigate the
report, use the
links in the tool
bar to move
through the
report, adjust
the view, and
print or
download to
.pdf or .csv.
You can create a custom Repetitive
Template Report where you can
define the accounts, beneficiary and
many other criteria. This report tool
allows you to run the report for only
the templates or scenarios that you
are interested in viewing.
To navigate the
report, use the
links in the tool
bar to move
through the
report, adjust
the view, and
print or
download to
.pdf.
The Audit Report can be
used to view a summary of
all account activity by
leaving the operator field
to the blank default box
OR you can chose to audit
a specific operator’s
activities by selecting their
name from the drop-down
box.
To navigate the
report, use the
links in the tool
bar to move
through the
report, adjust
the view, and
print or
download to
.pdf.
There are two audit reports
available. The All Activity report
details all operator actions within
the Funds Transfer module and will
be sorted in ascending order based
on time. The Transaction Activity
will show only the detailed audit
history for each transaction. This
is similar to the existing audit
reporting in the module.
Reports: Wire Status by Source Report
This report provides information
from sources including: web, batch,
phone, standing order, and other.
This report will provide a subtotal by
account of total Debits and
Drawdowns, with a Grand Total at
the end of the report.
As with the Miscellaneous
Reports, the operator is able to
make some choices on how
things are displayed. Options for
selection are: accounts included
in the report, initiation date,
amount range, and sort options.
Once you have set your
parameters, click Submit.
Processing Times
Processing Payments - Cutoff Times (same day)
 Initiating Domestic and International Wire Payments
5:57 PM ET
 Approving Domestic and International Wire Payments
5:59 PM ET
 Initiating and Approving Federal Tax Payment Wires
4:00 PM ET
 Availability of International Foreign Exchange (F/X) rates
4:00 AM-5:59 PM ET
Initiate same-day wire transfers until 5:57 PM ET and approve wire transfers until 5:59 PM ET. However,
due to Federal Reserve’s 6:00 PM ET deadline, wire instructions that are released just prior to the 6:00 PM
ET cut-off time which do not facilitate a straight-through process within the wire system and require
manual intervention will have a greater risk of not being processed same day. To ensure that your wire
transfer has been processed same day, please check the status of your transaction within Funds Transfer.
Future dated wires
 You can future date wires 30 days in advance.
For International – Foreign exchange (F/X) payments, the send date must be equal to the cement
business date.
Data Retention Settings
 All wires in the Pending Approval status will remain in the system for 48 hours. Any pending approval
wires that have not been approved within 48 hours are automatically deleted from the database.
Quick Find: Funds Transfer Initiate
Reports: Wire Statuses
Below are descriptions of possible statuses.
Administration
PNC creates two administrative IDs for every company using PINACLE®: Admin1 and
Admin2. For nearly every PINACLE® service offered, Admins have been granted full
access to their company’s entitlements. The Funds Transfer module poses an exception
to this process. While both Admins are granted access to the module by PNC, the dollar
limits for each have been preset at $0.00. For either Admin to effectively use the module,
each must update the other’s service-level entitlements to reflect appropriate dollar limits
for that Admin to initiate and approve wires. The remaining slides offer an overview of
this process. Remember a token must be assigned to an Operator to be able to access
Funds Transfer.
Administration
Click Administration on the Utility Bar at the top of the screen. This takes you to the Administration
Module, where Administrators (or Operators with administrative privileges), can perform a number of
administrative functions applicable on both the company and Operator levels.
 Name Accounts allows you to assign meaningful names to your accounts for
identification purposes.
 Entitlement Reports allow you to view all Operator-level services and
entitlements for your company.
 Manage Operators allows you to create new or edit existing Operators,
disable or enable an Operator, clear session and change password for an
Operator.
 Operator Approval Report allows you to view Operator Approval Settings by
service. (Optional feature)
Click the Manage Operators link. The functionality of the remaining links is
covered in more detail in the PINACLE® General/Administration Training Module.
Quick Find:  Administration
Administration: Manage Operators
From the Manage Operators screen, you can create new Operators or edit existing Operator entitlements
and information.
To create a new Operator, please reference the General Administration User Guide.
Various functions within the
administration module can be
assigned to an existing operator.
Begin by locating the Operator’s
profile. This is done by either
entering the Operator’s Last
Name, First Name, Operator ID,
Role, Status, Token Serial No.,
or by Module(s) and clicking on
By clicking the arrow to the left of Show/Hide
Search Criteria, you can choose whether to
disclose search criteria.
Omitting the search information
will display all Operators for your
company. Once you have located
the ID of the Operator you wish to
edit, click on the link under the
Module(s) column. This will take
you directly to the Modules &
Utilities Tab. Alternately, click on
the name of the Operator and it
will take you directly to the
Operator Information Tab.
Quick Find:  Administration  Manage Operators
Administration: Manage Operators (continued)
If you are creating a new Operator or updating an existing Operator, you are directed to the Manage
Operator screen.
This screen is divided up into three tabs: Operator Information, Modules & Utilities and Status
You can update an Operator’s name,
address, and contact information
within the Operator Information
Tab.
Quick Find:  Administration  Manage Operators  Operator Information Tab
Click on the Modules &Utilities tab. Under the heading Assign or Administration is a listing of those services for which you have
administrative entitlements, meaning you can add any of these services to another Operator’s entitlements.
Begin by locating Funds Transfer on your list of services. Place a check mark under the Assign column to assign the service to
the operator. If you would like for that operator to assign this service to others, place a checkmark under the Administrator
column.
Click on Submit at the bottom of the page to save your changes. Clicking on the Module Name will show you what functions the
operator is currently assigned with.
Quick Find: Administration  Manage Operators  Module & Utilities Tab
Click the Manage
hyperlink to
initiate/change
entitlements for the
operator.
Quick Find:  Administration  Manage Operators  Modules & Utilities Tab
The General Functions screen indicates your company’s daily wire initiation limit; this is preset and cannot be changed through
PINACLE®. Below is the Daily Operator Initiation and Modification Limit, which will be initially set at $0.00.
This amount must be changed to an actual dollar limit greater than $0.00 prior to this
Operator’s use of the service. Admin1 and Admin2 must update each other. Daily Operator
limits cannot exceed Daily Company limits.
You can also grant or deny access for
this Operator to view the Audit
Report.
At the bottom of the same screen is a listing of additional service-level entitlements (by account number) held by this
Operator. As an Administrator, you can grant or deny an Operator the ability to initiate and modify wires (and indicate dollar
limits for doing so), delete wires, view activity reports, and create repetitive templates. You can individually set limits, or give
a blanket dollar limit by placing the figure in the appropriate box in the header.
After assigning
appropriate
entitlements, click
“Submit”.
Quick Find:  Administration  Manage Operators  Modules & Utilities Tab Manage General
Functions
The Funds Transfer - Entitlements: Initiation Types screen allows you to grant or deny this
Operator the ability to initiate a particular type of wire.
To assign a payment type for this Operator to initiate, highlight the payment type(s) from the Available
Wire Types box, and, using the Add/Remove buttons, move the selected payment types to the
Assigned Wire Types box. Click
to save your changes.
Quick Find: Administration  Manage Operators  Modules & Utilities  Manage  Initiation Types
The Funds Transfer - Entitlements: Approval screen allows you to grant or deny the Operator the ability to approve wires,
indicating a dollar limit for doing so, for freeform, repetitive, and templates. These can be distinguished by account number or
blanket access can be identified in the header bar. You can create separate entitlements for freeform and repetitive approval.
This will allow you to restrict access by account or limit approval amounts for freeform items which require approval of both
funds movement as well as accurate routing instructions. On a repetitive approval, only the amount and date can be changed
since the template was previously approved.
The Daily Operator
Approval Limit is an
optional field where
you may limit how
much a specific
operator can approve
each day. The
Approval Limit cannot
exceed the Daily
Company Limit. As
wires are approved,
the total dollar
amount is added and
compared against the
Company Limit.
If your company has submitted the Automated Transaction Approval Form, you will see a threshold dollar limit under which any
repetitive wires are automatically approved.
After assigning appropriate entitlements, click
.
Quick Find: Administration  Manage Operators  Modules & Utilities  Manage  Approval
The Funds Transfer - Entitlements: Special Reports screen allows you to grant or deny
this Operator the ability to view the Wire Status by Source Report.
To assign an Operator access to this report, select the radio button next to Yes under Special
Reports, Wire Status by Source Report. Click on to save your changes.
***Please note: The Special Reports tab is active for your company only if this additional
reporting feature was requested through your Treasury Management Officer.
Quick Find: Administration  Manage Operators  Modules & Utilities  Manage  Special Reports
Funds Transfer
From the Manage Operators screen, you can enable or disable an operator, change a password, or approve
a password for optional secondary operator approval.
Clicking on the Disabled or Enabled link under the Status column or clicking on the Change link under
the Change Password column will direct you to the Status Tab where you can address your Operator’s needs.
Quick Find:  Administration  Manage Operators
Alternately, you can make adjustments to the Operator’s entitlements from the
Status tab (accessible by clicking on the Operator’s name from the Manage
Operator’s screen). From the Status Tab, you can:
 Disable or Enable an Operator
 Change a Password for an Operator
 Approve a Password for an Operator, an optional Secondary
Operator Approval
 Prompt Re-enrollment of Security Questions
 Clear a duplicate Session
To perform the various actions click on
the corresponding link under the Action
column.
You can also
view recent
Operator activity
from this screen.
Quick Find: Administration  Manage Operators  Status
Portlets
A Funds Transfer Portlet is available on the Home Page
for wires that are in a Pending Approval status.
Home Page Portlet
Wires that are Pending Approval will appear within a
Portlet on the Home Page. To approve wires from the
Portlet, click on the account number hyperlink. This will
direct you to the Funds Transfer Module for that
account so that you can review the items and submit
them for approval.
Quick Find: Home Page

Funds Transfer (Wire)

Transcription

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