PAYROLL CARD EMPLOYER REFERENCE GUIDE

Transcription

1 payroll card guide

2 Table of Contents Payroll Card Overview... 2 The Benefits... 2 Keeping your Payroll Card program fully compliant... 3 Employer Best Practices... 3 System Requirements... 5 Payroll Card Employer Responsibilities... 5 Implementation Strategy... 6 Communication Strategy... 8 Employer Website... 9 Initial Login and Authentication... 9 Adding a New Employee Employee Search View Transaction History Update Employee Information Change Employer Website Password Required Employee Disclosures Termination of Employment / Closed Payroll Card Procedures Processing Payroll to Fund Employee Payroll Cards Payroll adjustments Payroll Posting Timeframe Lost/Stolen Card and Disputed Transaction Procedures Employee Website Features and Enrollment Instructions To access a Payroll Card Employee Web site: Website Access Troubleshooting ActiveX Controls Prohibited Browser not capable of 128 bit-encryption Incorrect Time Zone set Customer Care

3 Payroll Card Overview The Umpqua Bank Payroll Card service is an innovative way to distribute payroll to employees, and a costeffective alternative to issuing paper payroll checks to employees without a traditional checking account. Add to the value of your current ACH Direct Deposit service by ordering a Payroll Card for each participating employee and send their paycheck electronically to those cards via your standard direct deposit ACH file. Increase your company s cost-efficiency and deliver a whole new array of benefits to your employees, including greater security, convenience and control. The Payroll Card is a reloadable prepaid card. Employees often choose a Payroll Card because they do not have a bank account for direct deposit. A credit check or banking relationship is not required for an employee to receive a Payroll Card. The Payroll Card enables businesses to reduce costs associated with paper-based payroll processes including: producing and handling checks, postage or secure distribution expense, and fraud costs related to lost/stolen or duplicated checks. As this product is funded electronically using ACH direct deposit, employers can provide uninterrupted payments during storms or a disaster, or the elimination of paper checks may be an important element of corporate going green initiatives. Most employees, particularly those who are unbanked, perceive the Payroll Card as a benefit from the employer as the product delivers the convenience and security of a Visa -branded card. The Benefits Payroll Cards provide many benefits to both employers and employees. Benefits to the employer include: Lower payroll processing costs Convenience of re-loadable cards Economical solution for delivery of payroll Reduction in time spent dealing with exception items such as check fraud, unclaimed property, account reconciliations, check handling and cashing Online access to employee payroll information Ideal means of payroll delivery for the unbanked or seasonal worker populations Tangible and intangible benefits to company going green Benefits to the employee include: Available to everyone no credit check or banking relationship required Immediate access to funds Eliminates a trip to the bank to make a deposit Eliminates fees associated with check cashing Ability to view activity online and set up /text alerts for card activity Convenience of access to funds at an ATM or anywhere debit cards are accepted Eliminates the need to carry large amounts of cash Provides greater security for their funds 2

4 Cardholders can make purchases anywhere Visa is accepted Cardholders can pay bills to those billers who accept cards as a form of payment Funds are FDIC Insured Keeping your Payroll Card program fully compliant The Umpqua Payroll Card team works diligently to ensure that our product features and deployment strategies comply with applicable regulations at the time of launch and throughout the life of your program. We share relevant information with our clients to help assure that their programs remain compliant. We work closely with our Compliance and Risk departments to ensure our Payroll Card product is compliant with all applicable banking regulations (BSA/AML, USA PATRIOT Act, Reg E, Privacy Regulations, etc). In addition, we closely monitor Payroll Card and wage payment laws at the national and state levels. Our team stays current with this dynamic area of regulation. Employer Best Practices The following are best practices to help maintain the appropriate security precautions when issuing the Umpqua Payroll Card, and to help build processes within your company to accommodate issuance of the Umpqua Payroll Card. It is the responsibility of the employer to ensure any use of the Umpqua Payroll Card program is in compliance with states payroll laws in which they operate. Choose an Administrator, as well as a backup within your company to access the employer website and place new card orders for employees. In order to maintain the appropriate segregation of duties and reduce the risk of internal fraud, these people should not be those that maintain and initiate the company s direct deposit payroll ACH file. To help the government fight the funding of terrorism and money laundering activities, federal law requires all financial institutions to obtain, verify and record information that identifies each person who opens an account. This is referred to as the Customer Identification Program ( CIP ). When submitting a Payroll Card Application, you, the employer will request additional information from your employee that will allow you to identify them and keep adequate records for audit purposes. You are required to ask for a copy of the employee s driver s license or other identifying documents shown below, as approved by Umpqua Bank. If there is a discrepancy between the information the employee has provided and the information on the identifying document, or on a credit report, you will need to take appropriate steps to resolve the discrepancy and document the resolution. If you cannot form a reasonable belief that you know the true identity of the employee, you should not open the Payroll Card account. Umpqua Bank reserves the right to audit the identification records for employees at any time. 3

5 The Customer Identification Program CIP includes both the collection of identifying information from the employee and verification of the employee s identity, and shall be obtained prior to card issuance: 1. Full Legal Name 2. Date of Birth 3. Address For an individual, this can be a residential or business street address. For an individual who does not have such an address, this can be an Army Post Office or Fleet Post Office box number, or the residential or business address of next of kin or another contact person. For non-individuals (a corporation, partnership, or trust), this can be the address of the principal place of business, a local office, or other physical location. 4. A government issued identification number For U.S. persons (U.S. citizens, businesses, and other entities that are organized under the laws of a state or of the U.S.), this shall be a U.S. taxpayer identification number such as a Social Security number or Employer identification number. For non-u.s. persons this can be one or more of the following: taxpayer identification number passport number and country of issuance alien identification card number number and country of issuance of any other government-issued document evidencing nationality or residence and bearing a photograph or similar safeguard o o o o Prior to issuing a Payroll Card for an employee, the documents and other information obtained to verify the identity of your employee must be analyzed for inconsistencies, and to ensure the information is adequate to confirm the true identity of your employee. If the employee s identity cannot be verified by the Payroll Card Employer website CIP Authentication process, and an error message comes back when a card order is submitted, the employer is required to validate the information with the employee, and document the reason for the ID failure prior to bypassing the CIP Authentication check and subsequent issuance of a card. Adequate record retention procedures are critical for CIP. At a minimum, the Bank recommends that the employer retain the identifying information (name, address, date of birth, TIN, and any other supporting documentation) obtained at Payroll account opening for five years after employees are terminated. Any document or explanation for discrepancies that was relied on to verify identity should be retained. Upon Payroll Card issuance by the employer, the employee will be verified by the Bank against the Office of Foreign Assets Control ( OFAC ) list. The purpose of this list is meant to prevent terrorists and other known enemies of the U.S. from using the U.S. financial system to further their causes. OFAC maintains a list of individuals, corporations, organizations and other entities that are considered enemies of the U.S. If Umpqua finds a match, the Payroll Card will be immediately shut down and employer will be notified. 4

6 It is recommended that the employer require the Payroll Cards issued to employees to be shipped to the employer address, and an employee signature required for verification of receipt. This is a best practice that can help mitigate employee arguments of non-receipt of pay. We recommend consultation with your legal counsel on specific recommendations for process and documentation. System Requirements There are separate websites for the employer and employee. Both sites are easy to access and user friendly. Both sites require a PC with Internet Explorer version 5.5 or higher, or Netscape version 6.0 or higher. Fire Fox is not supported. Payroll Card Employer Responsibilities Umpqua Bank provides the Prepaid Payroll product for use by our business customers, as an alternate means of direct deposit of payroll for their employees. Each individual business customer, or employer, must establish processes and procedures within their organization for how they will incorporate the Umpqua Payroll Card program into their business. Many factors must be considered when developing these procedures, including the development of an internal e-pay strategy to cut the costs of payroll processing within your business. Consideration must be made for the Regulation E and Consumer Financial Protection Laws, Federal labor laws and those within the state(s) in which the business operates. Umpqua recommends consulting with your legal counsel when trying to determine how to proceed with Payroll Card implementation. Ultimately, depending on the state your business operates in, there are three basic options to consider when implementing the Umpqua Payroll Card within your company: % e-pay as a Requirement/Condition of Employment This type of policy would require employees to receive pay electronically via direct deposit to a bank account or prepaid card. At the state level, many are now allowing employers to eliminate paper paychecks in favor of more electronic options. Regulation E permits an employer to require direct deposit of wages by electronic means if the employee is allowed to choose the institution that will receive their direct deposit. If the employee has no preference, an employer may provide employees the choice to deposit directly to a particular institution s Payroll Card. Umpqua s Payroll Card is the perfect solution. The following are requirements that must be met for this type of program: At least one means of accessing the entire paycheck each pay period at no cost. This is provided by the Umpqua Payroll Card when an Employee visits an Umpqua Bank branch and requests a cash advance. Distribution of educational materials regarding the program. Umpqua s contribution to these materials was provided as an attachment to the welcome you received when enrolling for the Umpqua Payroll Card program. Umpqua also recommends development of your company s own internal documentation as you determine how your prepaid program will be rolled out internally. Disclosure of potential fees. Employee fees associated with the Umpqua Prepaid card are disclosure on the Cardholder Agreement you will provide each Employee that enrolls in the program. Employee ownership of funds 5

7 Compliance with state law requirements regarding pay stubs 2. Opt-Out Employees not providing their bank information to facilitate direct deposit of their paycheck are automatically issued and paid with an Umpqua Payroll Card unless they specifically request payment by check. 3. Voluntary/Opt-In Employees are strongly encouraged to sign up for the Umpqua Payroll Card or direct deposit to their bank account. Implementation Strategy Successful implementation of an Electronic-Pay ( e-pay ) policy commonly includes the following elements: 1. Encourage existing and new employees to participate in the e-pay program by indicating e-pay is the preferred way to be paid (Some state payroll laws do not allow a mandate on electronic pay. Must be presented as a choice. Consult your company s legal advisor for more information): Management at every level strongly prefers Saves company an unnecessary expense to create/handle paper checks Provides employees with immediate access to funds and eliminates check cashing fees Reduces paper and fuel costs associate with distribution of checks 2. Develop a marketing program to educate employees on e-pay benefits: Pay packet insert or letter from management Posters and flyers Internal newsletter or website 3. Establish a Pay Adoption Period similar to other benefit adoption periods. Require a pay choice after providing education on the advantages of e-pay and management s goal of 100% e-pay to help reduce costs. When developing your business case to management to gain endorsement for your 100% e-pay objective, be sure to quantify the Opportunity: Provide the total number of employees paid by check currently Projected check volume based on turnover rates and hiring plans Check issuance expenses for printing, distribution, reconciliation, bank charges and replacement checks for those that are lost Calculate the potential savings similar to the example shown on page 1 of this reference guide Including examples of how the Umpqua Payroll Card can provide the ability to pay employees during business outages caused by natural disasters, and assistance with compliance with state wage & hour laws, can help sell your case. 6

8 Once your company determines how to proceed with its desired level of e-pay/direct deposit participation, and has its policies and procedures in place to support the effort, you can begin accepting new enrollments for the Umpqua Payroll Card once you update your current new hire and existing employee documentation. Add the Umpqua Payroll Card as a new choice for pay method to compliment your company s existing direct deposit program, and replace paper paychecks Integrate card enrollment with new hire process/procedures Update forms and new hire kits to include information on card benefits/usage Update forms and new hire kits to include the Umpqua Bank Payroll Card Application, Cardholder Agreement and Cardholder Reference Guide Additional considerations prior to launching your program to employees: Consider alternatives to delivering paper pay statements to further reduce cost and environmental impact Establish procedures to track e-pay adoption rates Facilitate rewards to managers for achieving e-pay adoption goals Identify areas needing additional training or communication Consider establishing a pilot group for testing new procedures and messaging to help set the stage for a strong internal company rollout of the Payroll Card. Phase I Enrollment Process Test and Training Preparation Create forms and enrollment procedures Integrate e-pay policy into new hire process/packet Test enrollment and load processes with members of implementation team Build training program and produce pilot program materials Train manager of pilot site Phase II Pilot Site Notification and Open Enrollment Activities Deliver education and enrollment materials to pilot site (i.e. posters, handouts, training) Kick off Open Enrollment for Pilot site Seek ideas for process improvements and identify barriers to enrollment Phase III Refine and Prepare for company-wide rollout Refine messaging and materials from Pilot if necessary Communicate goals, management support and incentives if applicable Repeat Phase II activities company-wide Conduct post-launch assessment Continue to track e-pay adoption rates company-wide At least quarterly, review your company s e-pay adoption metrics on both new hires and existing Employees and target actions to overcome low adoption rates. Make your e-pay initiative part of an annual benefit choice period. 7

9 Communication Strategy Using multiple communication channels will help to ensure the program benefits are understood by all Employees. New Hires Audience Marketing Touch Points Include Umpqua Payroll Card information and enrollment materials in new hire packets Integrate Payroll Card enrollment into new hire setup process Current Employees Management encouraging 100% e-pay Inserts within paper paycheck envelopes Posters in employee break rooms educating employees on card benefits Card education and enrollment materials in annual benefits enrollment package Periodic Payroll Card Adoption promotions and incentives Core benefits of the Umpqua Payroll Card should be highlighted in all employee communications. Key Message Employee Benefit Access Everyone qualifies with positive ID it s not a credit card. No credit check or bank account required Acceptance Convenient/Cost Effective Safe Can be used to make purchases at millions of locations wherever Visa debit cards are accepted Obtain cash free of charge at any Umpqua Bank ATM Immediate access to pay Eliminate the hassle and expense of cashing pay checks Use the card to pay bills for utilities that accept cards as a form of payment, eliminating the need to purchase money orders Avoid carrying large amounts of cash Visa s Zero Liability Policy protects Employees from fraudulent use of their card when lost/stolen Control Limit overspending and track spending online for improved budgeting 8

10 Employer Website Once you receive your welcome from the Bank, and establish your company s internal processes and procedures, you are ready to log into the employer website and begin adding new employees for your Payroll Card program. You User ID will be provided separately from your temporary password. Initial Login and Authentication 1. Go to: enter User ID and temporary password and click Continue Upon your initial sign on, you will be prompted to select a new password. Passwords must meet the following criteria: Must be eight characters (no blanks). Must use one alphabetic and one numeric character. Must use at least one of the following three characters from the National Character Set. They # $. The three national characters cannot appear at the beginning or end of the password. 9

11 2. At the One-Time Security Code Screen, click Continue and select the phone number for the system to call 6. When the Security Code comes up, the system will auto-dial the phone number provided on your Payroll Card Service application, and asks you to enter the code shown on the screen. Once the code is properly entered, the system will ask you to click Continue. 10

12 7. Once the screen below appears, you are ready to add a new employee or search for an existing employee in the next set of instructions. Adding a New Employee This feature allows you to add a new employee to the Payroll Card Program and order a new card. Once the employee is added and their name and social security number have been positively validated by the system, a new Payroll Card is produced and sent to the employee. 1. Click on the Add New Employee button located on the menu bar at the top of the screen. 11

13 2. Complete the following required employee information fields: First and Last Name of the Employee Organization (No entry required, will populate with Umpqua Bank.) Division (Click the Select Access link and click the radial button next to your company s Division to populate this field) Click the Foreign Address box as appropriate Employee Mailing Address Employee City, State, Zip, Country Home and Business Phone Number Employee Social Security Number (ITIN for resident foreign individuals) Employee Date of Birth Employee Mother s Maiden Name Employee Address AML/CIF Indicator set to Y Do not enter any information into the Identification Information fields. Reserved for future use 12

14 Employee Request Paper Statement (Click No. The Employee can request this through their Employee website) 3. Click the Submit button. 4. The system will perform a validation on the employee name and social security number against the Experian database to assist you with verification of the employee s identity. a. Cardholder Add Successful: If the Name and Social Security number for your employee match the Experian database, you will receive a message of Cardholder successfully added Click OK to view the cardholder information. 13

15 The page below will show the employee s information. In the upper left hand corner you will see the employee ID assigned, which represents the employee s ID number at the bank. This number will be 16 digits long. Record this employee ID, as you will input it as the Account number along with the Bank routing number to initiate the direct deposit of payroll in your ACH file. Note: Allow 7-10 days for an employee s new Payroll Card to reach them by mail after the employee has been set up in the Employer Website. If the employee s next paycheck is due for distribution before they are likely to receive their card, payment by paper check is recommended in order to avoid a delay in the employee receiving their funds. 14

16 b. Cardholder Authentication Errors: For foreign employees who do not have a social security number, or employees where their SSN provided does not match the name on file at Experian, you will receive a Card Information failed level 1 Authentication error as shown below. 15

17 As the employer, it is your responsibility to collect all of the necessary documentation to positively identify your employee. Review the information you have input, make any necessary changes. If everything is correct and you are certain you can positively identify your employee using the documents on file, you may choose to bypass the error by changing the Bypass further Authentication for this card box to Y at the bottom of the screen shown above and clicking Submit again. You should then receive a Cardholder successfully added message as shown below. Click OK to review cardholder information and unique funding number 16

18 Employee Search This feature allows you to search for employees that are already established within the Payroll Card system. 1. Click on the Search Employee button. 2. You will need to enter one of the following search criteria: Employee ID Social Security Number Last Name Last Name/First Name City State Zip Country 3. Click the Submit button. The employee search results will appear with records that match you search criteria. 4. Click on the hyperlink for the name of the employee you are searching for. The Employee Information Page appears. Note: If only one person matches your search criteria the Employee Information screen will appear automatically and you will not have to complete step 4. 17

19 View Transaction History This will allow you to view the transactions made as the employer on the Payroll Card. You will not be able to see the transactions that the employee has made. 1. Click on the Search Employee button 2. Input the information required to locate the employee 3. Select the employee that you are searching for 4. Hover over the Search Employee button click on Review History button. This will display the history for the Employee Update Employee Information This feature will allow you to update any existing employee information. 1. Click on the Search Employee button 2. Input the information required to locate the employee 3. Select the employee that you are searching for 4. Hover over the Search Employee button and then click on the Update button. The employee update information screen appears 5. Update the necessary fields. Click the Submit button Change Employer Website Password This function will allow you to change your password. You must know your current password in order to change your password. 1. At the login page you will need to enter you Login ID and Password 2. Click on the To change password, please click here link Note: This will only work if you know your current password. If you have forgotten your password you will need to contact Customer Care at (800) Enter the following fields: User ID Current Password Enter a new password Confirm new password 4. Click the Submit button. A confirmation page appears. 18

20 Required Employee Disclosures The following are disclosures which must be provided to employees prior to having them complete and sign the Payroll Card Application. 1. Umpqua Payroll Cardholder Agreement 2. Umpqua Payroll Cardholder Reference Guide A list of standard services that are provided at no cost to the Employee The method Employees can use to obtain access to 100% of their net wages free of charge each pay period A list of all applicable Employee card fees A list of additional services available with the Payroll Card and applicable fees Instruction on obtaining current Payroll Card balance information without incurring fees Instruction on obtaining card transaction history Instruction on disputing a transaction Information on where the Payroll Card can be used to withdraw cash free of charge What to do if Payroll Card is lost/stolen Instruction on loading additional funds to the Payroll Card 3. Additional notices created by the employer and provided to the employee: A notice of where employer specific payroll information can be found (i.e. company website, phone number, postings in employee break room, etc.) 4. Umpqua Bank also provides the Payroll Cardholder Agreement in electronic form, along with an electronic Frequently Asked Questions document on our public website. Links to these documents can also be located on the bottom of the Prepaid Card Website used by employees to access their card information. 19

21 Termination of Employment / Closed Payroll Card Procedures Follow the instructions below in the event of the termination of an employee who receives their paycheck via the Umpqua Payroll Card: 1. Complete all required employer documentation to support the termination. 2. Submit an to [email protected] with the following: a. Subject Line: Company Name Terminated Employee b. Content: Please remove the following employee payroll card from our company s profile: Employee Payroll Card ID # from the Employer Payroll Card Administration Website Company Division Name and Division # 3. Treasury Management Support will then remove the employee s Payroll Card from your Company Profile and remove future funds load capability for the cardholder. 4. Please notify your former employee to expect a notification by with further instructions on converting their Payroll Card to an Umpqua Bank Everyday Cash Card. Note: It is important to notify the Bank when Payroll Card employees are terminated so we can remove the card from your company s card portfolio. 20

22 Processing Payroll to Fund Employee Payroll Cards 1. Login to your Umpqua Business Online Banking 2. Click on ACH Payments 3. Proceed with updating your existing Payroll Direct Deposit ACH file, adding the direct deposit account information/ Employee ID and Bank Routing # for your Payroll Cards as shown in Step 6 of the Add New Employee section. Payroll adjustments Should you find that an error has been made to the direct deposit amount sent to an Umpqua Payroll Card, all adjustments to the card may be made using an offsetting ACH adjustment. For instance, if the original direct deposit was credited to the card for $ instead of $450.00, the employee should be contacted and notified of the error and what will be done to resolve it. Then an offsetting ACH adjustment should be originated through your Business Online Banking ACH service for $ Payroll Posting Timeframe If processing your company s direct deposit ACH payroll file through Umpqua Bank s Business Online Banking system, as long as the file is uploaded to the bank prior to 5 p.m. Pacific Time, Monday-Friday, your employees who are set up to receive their paycheck to a Umpqua Payroll Card would receive credit by 8:00 a.m. Pacific Time, the following business day. Note: Allow 7-10 days for an employee s new Payroll Card to reach them by mail after the employee has been set up in the Employer Website. If the employee s next paycheck is due for distribution before they are likely to receive their card, payment by paper check is recommended in order to avoid a delay in the employee receiving their funds. 21

23 Lost/Stolen Card and Disputed Transaction Procedures If your employee becomes aware that their Payroll Card has been lost, stolen or destroyed, and/or has transactions against their account they did not authorize, you shall advise them to report the lost, stolen or destroyed card to Umpqua Bank in accordance with the procedures set forth in their Cardholder Agreement, by contacting the Umpqua Bank Customer Care line at The bank will place a hot card designation on the lost, stolen or destroyed Card, and the participating employee s balance will be transferred to a replacement card pending receipt of any affidavits, declarations or other documents the Bank determines are necessary to confirm the card has actually been lost, stolen or destroyed, and begin dispute processing of any unauthorized transactions. NOTE: The sub account used for direct deposit ACH will be carried over to the newly replacement card, eliminating any need to update the payroll file with a new account number. Employee Website Features and Enrollment Instructions A secure website is available for employees to view Payroll Card account information. The Payroll Card Employee website allows employees to: View Card Information Update Address and Contact Information View Card Activity Change PIN View Statement activity and request paper statements Set up /text alerts 22

24 To access a Payroll Card Employee Web site: 1. Go to and choose the Payroll Card Login. 2. Click on New User? Enroll Now! 3. Enter the Payroll Card # and PIN selected during card activation. Enter the code shown and Click Continue 4. Select a User ID and password for future access to the website and click Continue. Password requirements are as follows: Must be between 10 to 63 characters Must include characters from three of the following four categories: o upper case letter o lower case letter o number o special character [Example: #,$,&] 5. A one-time security check will need to be completed, click Continue With Security Code 23

25 6. Select the phone number listed on the screen where the system may call to complete the security check process. Click Continue. 7. The system will call your phone and ask you to enter the One-Time Security Code shown on the screen. Once finished, click Continue. 24

26 8. Your card enrollment is complete. Click Proceed to Your Account. 9. Click Submit. The Cardholder Information page appears. 25

27 Website Access Troubleshooting The most common problems that are experienced when trying to access the employer and/or employee websites are: ActiveX Controls Prohibited If Internet Explorer is not set up properly to run ActiveX controls and plug-ins, the following error message requesting to set security settings and Run ActiveX controls and plug-ins appears: Your current security settings prohibit running ActiveX controls on this page. As a result, the page may not display correctly. To access the security settings, do the following: 1. On the Internet Explorer menu bar, select Tools. 2. On the Tools menu, select Internet Options. The Internet Options window appears. 3. On the Internet Options window, select the Security tab. 4. In the web content zone pane, select Internet. 5. In the Security level for this zone area, click Custom Level. The Security Settings window appears. 6. Verify the options are selected as shown below. When you are finished, click OK to close the Security Settings window and click OK to close the Internet Options window. Run ActiveX controls and plug-ins Download signed ActiveX controls - Prompt Download unsigned ActiveX controls - Disable Initialize and script ActiveX controls not marked as safe - Disable Run ActiveX controls and plug-ins - Enable Script ActiveX controls marked safe for scripting - Enable Cookies Allow cookies that are stored on your computer - Enable Allow per-session cookies (not stored) - Enable Downloads File download - Enable Font download - Enable Microsoft VM Java permissions - Medium safety Miscellaneous Access data sources across domains - Prompt Don t prompt for client certificate selection when no certificate or one exists - Enable Drag and drop or copy and paste files - Enable Installation of desktop items - Prompt Launching programs and files in an IFRAME - Prompt Navigate sub-frames across different domains - Enable Software channel permissions - Medium safety Submit non-encrypted form data - Enable User data persistence - Enable Scripting Active scripting - Enable Allow paste operations via script - Enable Scripting of Java applets - Enable 26

28 Browser not capable of 128 bit-encryption To use the Payroll Card site, your browser must support 128-bit encryption. Internet Explorer 5.5 or Netscape 6.0 or higher will support the 128 bit encryption. To determine whether your browser supports 128-bit encryption, select About on the browser s Help menu. Incorrect Time Zone set The employer and employee websites use a cookie to store information locally. An incorrect time zone, date or time can cause the cookie to appear expired, causing an error. Make sure the time zone, date and time are set correctly. Customer Care For any questions regarding Umpqua Bank s Payroll Card system or any technical support issues, please contact the Umpqua Customer Care Team at (800)