Automated Clearing House (ACH) Reference Guide

Automated Clearing House (ACH) Reference Guide

Copyright Copyright 2008 by Digital Insight, an Intuit company All rights reserved. The application described in this document is proprietary to Digital Insight, and must be treated on a confidential basis. It is to be used solely in accordance with the provisions of the agreement under which it has been furnished. Reproduction of this document in whole or in part by mechanical, electronic, or any other means must be in accordance with the terms of the agreement under which it was furnished. Information in this publication is subject to change without notice. Although every precaution has been taken in the preparation of this publication, Digital Insight does not offer any warranties or representations, nor does it accept any liabilities with respect to the information contained herein. Trademarks Intuit, Digital Insight, an Intuit company, Digital Insight, Magnet, Magnet Communications, the Magnet Internet Banking Suite, BizBankingWORKS, iportbiz, Magnet Outsource Service and The Internet Business Banking Authority are trademarks and/or service marks of Digital Insight. Other product names mentioned herein are the intellectual property of their respective companies. Publication Information All rights reserved. Printed in the United States of America. Publication Title: Automated Clearing House (ACH) Reference Guide Corporate Information Digital Insight, an Intuit Company 5720 Peachtree Parkway Norcross, Georgia 30092 United States of America Telephone (770) 349-1200 Facsimile (770) 349-1300 www.digitalinsight.com

Table of Contents About This Guide... xiii Audience... xiii Using This Guide...xiv Document Conventions...xiv New in this Release...xv Where to Find More Information...xvi Product Documentation Library...xvi Training Services...xvi Other Services...xvi 1. ACH Overview... 1 Introduction to ACH... 1 What is ACH?... 1 Supported SEC Codes... 1 Cutoff Times... 2 Security Options... 3 Consolidated Payments... 4 Market Segmentation... 5 Batch Templates... 6 Import Files... 7 ACH Batch Process... 7 Proactive Bulletins... 9 Pass-Through Files... 9 Recurring Payments... 9 ACH Services... 10 ACH User Interface... 14 Page Element Standards... 15 Getting Started... 16 ACH Setup Tasks for Bank Personnel... 16 ACH Setup Tasks for Corporate Administrators... 17 ACH Setup Tasks for Corporate Users... 17 Copyright 2008 by Digital Insight, an Intuit company iii Table of Contents

Menu Interfaces... 17 2. ACH Settings... 19 About ACH Settings... 19 Relationship to Consolidated Payments... 19 Relationship to other ACH Services... 19 Service Information... 19 ACH Settings Page... 21 Fields... 22 Buttons... 27 3. ACH Transaction Type Maintenance... 29 About Transaction Types... 29 Standard Entry Class (SEC) Codes... 29 Transaction Type Code Format... 29 Addenda... 29 Transaction Type Setup... 30 Service Information... 30 Transaction Type Selection Page... 32 Fields... 33 Buttons... 35 4. ACH Cutoff and Activation Time Maintenance... 37 About Cutoffs... 37 Relationship to Consolidated Payments... 37 Warehousing Method... 37 Holidays and Nonbusiness Days... 38 Status Report Service... 38 Service Information... 38 Cutoff and Activation Time Maintenance Pages... 39 ACH Cutoff and Activation Time Selection Page... 39 Fields... 39 Buttons... 40 ACH Cutoff and Activation Time Data Entry Page... 40 iv Table of Contents Copyright 2008 by Digital Insight, an Intuit company

Multiple Daily Cutoff Times... 40 Empty ACH Files... 40 Results... 41 Fields... 41 Buttons... 42 ACH Cutoff and Activation Time Report Page... 43 Fields... 43 5. ACH Endpoint Maintenance... 45 About Endpoints... 45 How End Points Work... 45 ACH File Format... 45 Service Information... 45 End Points Pages... 46 ACH Host End Point Selection Page... 46 Fields... 47 Buttons... 47 End Point Data Entry Page... 48 Fields... 48 Buttons... 49 End Point Delete Page... 50 Fields... 50 Buttons... 50 ACH Host End Point Report Page... 51 Fields... 51 6. ACH Company Maintenance... 53 About Company Maintenance... 53 ACH Company Examples... 53 Transaction Type Codes... 53 Offset Accounts... 54 ACH Company Setup... 54 Service Information... 54 Company Maintenance Pages... 55 Copyright 2008 by Digital Insight v Table of Contents

Company Information Selection Page... 56 Fields... 56 Buttons... 57 Company Information Add Page... 58 Fields... 58 Buttons... 60 ACH Company ID Report Page... 60 Fields... 60 Transaction Types Page... 61 Available Transaction Type Codes... 61 Fields... 62 Buttons... 62 Offset Accounts Page... 63 Available Offset Accounts... 63 Fields... 63 Buttons... 64 7. ACH Customer File Name Maintenance... 65 About Customer File Name Maintenance... 65 Default File Naming Format... 65 ACH Settings... 65 Service Information... 65 Customer Filename Pages... 66 Customer Selection Page... 66 Fields... 66 Buttons... 67 File Name Parameters Page... 67 Fields... 67 Buttons... 68 File Name Report Page... 68 Fields... 68 Buttons... 69 8. ACH User Permissions... 71 vi Table of Contents Copyright 2008 by Digital Insight, an Intuit company

About User Permissions... 71 Service Information... 71 User Permissions Pages... 72 Permissions Selection Page... 73 Fields... 73 Buttons... 75 ACH Customer Settings Page... 76 Fields... 77 Buttons... 77 User Overall Limits Page... 78 Fields... 78 Buttons... 79 ACH User Settings... 80 Field... 80 Buttons... 80 Transaction Type Permissions Page... 80 Fields... 81 Buttons... 81 Authorization Limits Page... 82 ACH Limits... 82 Limits... 82 ACH Limit Types... 82 Fields... 84 Buttons... 85 9. ACH Map Definition... 87 About Map Definition... 87 ACH Import Map Formats... 87 New in Import Map Definition... 88 Service Information... 89 Map Definition Pages... 89 Import Maps Page... 90 Duplicate Transactions... 90 Rules... 90 Copyright 2008 by Digital Insight vii Table of Contents

Fields... 91 Buttons... 92 Add a Map (Delimited) Page... 93 Duplicate Transactions... 93 Rules... 94 Fields...`94 Delimited Format... 99 ACH Map Type... 100 Buttons... 100 Add a Map (Fixed) Page... 101 Duplicate Transactions... 101 Rules... 102 Fields... 102 Fixed Format Example... 107 Buttons... 108 Edit Map Page... 108 Fields... 108 Buttons... 115 Delete Map Page... 115 Fields... 115 Buttons... 122 Map Detail Page... 122 Fields... 122 Buttons... 129 10. ACH Status Report... 131 About ACH Status Report... 131 Service Information... 131 ACH Status Report Pages... 131 ACH Status Report Selection Page... 132 Fields... 132 Buttons... 133 ACH File Summary (Status) Report Page... 133 Fields... 134 viii Table of Contents Copyright 2008 by Digital Insight, an Intuit company

ACH Batch Summary (Status) Report Page... 135 Fields... 136 Buttons... 137 ACH Batch Detail (Status) Report Page... 138 Fields... 139 Button... 142 11. ACH Pass-Thru Report... 143 About ACH Pass-Through Report... 143 Service Information... 143 ACH Pass-Through Report Pages... 143 ACH Pass-Thru Report Selection Page... 144 Fields... 144 Buttons... 145 ACH Pass-Thru Report Page... 145 Fields... 145 Button... 148 12. ACH Report... 149 About ACH Report... 149 Service Information... 149 ACH Report Pages... 149 ACH Report Selection Page... 150 Fields... 150 Buttons... 152 ACH Summary Report Page... 153 Fields... 153 Button... 155 Report Detail Page... 156 Fields... 156 Buttons... 161 ACH Delete Confirmation Summary Page... 161 Fields... 162 Button... 162 Copyright 2008 by Digital Insight ix Table of Contents

13. ACH Exception Reporting... 163 About ACH Exception Reporting... 163 ACH Exception Report Selection Page... 163 Fields... 163 Buttons... 165 ACH Exception Report Page... 165 Fields... 166 Buttons... 167 Appendix A: ACH Transaction Type Codes... 169 Transaction Type Codes Table... 169 Appendix B: ACH File Formats... 171 About ACH File Formats... 171 About ACH File Formats... 171 Cutoff-Generated NACHA File Formats... 171 Record Size... 171 Record Formats... 172 Consolidated Payments... 172 Corporate Trade Exchange (CTX)... 172 Mandatory and Required Fields... 172 CSV File Format... 173 File Header Format... 173 Standard Batch Header Format... 175 Cross-Border Batch Header Format... 179 CBR Entry Detail Format... 184 CCD Entry Detail Format... 188 CTX Entry Detail Format... 192 PBR Entry Detail Format... 196 PPD Entry Detail Format... 199 RCK Entry Detail Format... 203 WEB Entry Detail Format... 205 Standard Addenda Format (CCD, CTX, PPD, WEB)... 208 x Table of Contents Copyright 2008 by Digital Insight, an Intuit company

Cross-Border Addenda Format (CBR and PBR)... 210 Batch Control (Trailer) Format... 212 Comma-Separated Value (CSV) File Format Sample... 215 NACHA File Report Sample... 216 Index... 217 Copyright 2008 by Digital Insight xi Table of Contents

xii Table of Contents Copyright 2008 by Digital Insight, an Intuit company

About This Guide Audience This book is a reference guide. It describes Release 3.7 of the Corporate Banking Automated Clearing House (ACH) product from Digital Insight, an Intuit company. s of the services and the features found in each of the services from an end user s perspective are included. This guide is not intended to give you a detailed understanding of the procedural functionality of the product, nor does it provide back-end system information. For each service in the product, this book describes each page of the service, focusing on the purpose and components of the page. Primarily, this includes detailed descriptions of each field, button, and table on the page. This book is for those who want a basic understanding of the ACH product. It assumes you understand the system infrastructure and the e-commerce Platform product. It also assumes a basic understanding of the Treasury Management industry and the ACH functions as they relate to the industry. The following types of users are referenced in this guide: Bank Personnel - Users at the bank who are responsible for the set up and management of the system and installed products. If permitted, these users can perform all bank functions. Corporate Administrator - Users who are responsible for several corporatelevel administrative tasks, such as granting permissions, assigning accounts, and setting up product functions. These users can also perform all nonadministrative corporate-permitted functions. Corporate Customers - Users at a corporate entity, such as a corporation or a partnership who, if permitted, can perform nonadministrative, corporatepermitted functions. For each corporate customer, bank personnel and corporate administrators can add corporate users. Corporate User - Users at the corporate entity who, if permitted, can perform nonadministrative, corporate-permitted functions. This guide describes services for bank personnel and corporate administrators. For descriptions of corporate customer and corporate user services, see the ACH User Guide. Copyright 2008 by Digital Insight, an Intuit company xiii Preface

Using This Guide This reference guide is designed so that you can quickly find a specific topic or read it from cover to cover. The first chapter is an overview of the product that contains a general introduction a process flow (where applicable) a description of all services and the audience for each the setup tasks for bank personnel and corporate administrators. The remaining chapters describe each service in the product and provide reference information for all of the corresponding pages in the service. Each chapter also contains service identifier information, which reflects the initially-installed values for the service. Document Conventions This document incorporates the conventions defined in the following table. Convention Arial font, Italic text Bold text Courier New font Italic text <Italic text> Key + Key System message. For example: When you click Add, the system displays the following message: Batch Pay Weekly Payroll has been added to the system. Button name, radio button name, check box name, user selection, and key name combinations and sequences. For example: Click Submit Press F8 File names and directory paths. For example: This file is located in the \cmserver\include\ folder. New term and variable expressions, such as parameters. For example: A book is a currency pair, which consists of a lead and contra currency. Variable that acts as a placeholder for the literal text to which it refers. For example: the RemoteDestInfo parameter uses the following format: <LeadBank>, <Destination Section>, <Destination Directory> Keyboard combinations where the user must press and hold one key and then press another For example: CTRL + B xiv Preface Copyright 2008 by Digital Insight, an Intuit company

Convention Key + Key, Key Keyboard sequences for which the user must press a key combination and then press another key after releasing the combination keys. For example: to open the Spell check dialog box press Alt + E, L. New in this Release Following are the chapters in this guide that describe the updates included in this release of the Automated Clearing House (ACH) product: Chapter 2: ACH Settings was updated for Recurring payments Pass-thru editing and approvals. Chapter 4: Cutoff and Activation Time Maintenance was updated to add the Activation Times Data Entry Page. Chapter 8: User Permissions was updated as follows: Permissions Selection Page to o added Template Approval Options section to the User Permissions Selection Page o reflect the changed page title for the ACH Customer Settings Page o changed the ACH Customer Overall Limits page to the ACH Customer Settings Page ACH Customer Settings Page for approval of pass-thru files. Chapter 12: ACH Report was updated with Status options on the ACH Report Selection Page. Chapter 10: Status Report was updated with Status options on the ACH Status Report Selection Page Create New Complete File button on the ACH Batch Summary (Status) Report page was added for requesting and displaying information about ACH batches with recurring payments. Copyright 2008 by Digital Insight xv Preface

Where to Find More Information Digital Insight provides several types of product resources. This section contains a summary of the documentation currently available in the Digital Insight Product Documentation Library, as well as a description and contact information for training and other Digital Insight services. Product Documentation Library Currently, the Product Documentation Library consists of the following deliverables for the ACH Product: Training Services Other Services The Configuration Reference Guide provides detailed descriptions of the many configurable options available for all products. This guide is available electronically in Portable Document Format (.pdf) on the DI Client Site (www.diclientsite.com). The Implementation Guide describes planning, installing, and setting up our products, as well as information about Blue Dragon and database management. This guide is available electronically in.pdf format on the DI Client Site. Online Help is accessible from within each product. To access help, click the Help link. WebHelp provides a fully-integrated, interactive listing of help contents, hyperlinks and popups with related information, and a comprehensive, interactive index, and full-text search function. Technical Release Notes provide information about third-party products, operational instructions, and unit test cases. The Technical Release Notes are delivered electronically in.pdf format on the DI Client Site. The goal of the Training Services is to teach you how to efficiently use each product, which helps improve your service capabilities and increase the efficiency of your business partners. Project managers work with training services personnel to provide front-end bank training for all Digital Insight products. This training is negotiated as part of the bank contract and service agreement and is usually conducted just prior to implementation at the customer s facility. Whenever possible, the training uses the bank s system. Client Support Center The Client Support Center provides 24 hours-a-day, 7 days-a-week product and technical support. You can use this service to: xvi Preface Copyright 2008 by Digital Insight, an Intuit company

Ask product questions Report suspected bugs Suggest product enhancements. During standard business hours, 8:00 a.m. to 6:00 p.m. (EST), Monday through Friday, you can contact support the following ways: Client Support Line 877-462-3446 E-mail - combkgsupport@digitalinsight.com DI Client Site: https://www.diclientsite.com/support Fax 770-349-1300 After hours and on Saturday, Sunday, and holidays, you can call the Client Support Line to contact support and submit support requests for severity level 1 problems that affect production. You can also use the previously mentioned standard methods to log other problems, and the product and technical support personnel will address these problems on the next business day. Submitting Requests - Provide the following information (if available) when you contact the Client Support Center: Your name Bank name Product with which you are having a problem A clear description of the problem Steps to recreate the problem Any screen shots Browser version Whether you are experiencing the issue in Test or Production Number of affected users Monitoring Requests - You can use DI Client Site to monitor the progress of your support requests online 24 hours a day, 7 days a week. Project Management Our Professional Service team includes project managers who have training from the world s largest professional service firms combined with years of industry experience. Our project managers lead you through every aspect of your implementation and guide you through the entire life cycle of any custom enhancement. Our Professional Services team also can integrate their efforts with a client s project management office. Business Consulting Our business consultants have many years of banking industry experience, in addition to product management experience. Their thorough implementation analysis can help you Copyright 2008 by Digital Insight xvii Preface

identify transition issues. Additionally, they can assist you if your product management resources are scarce and you need assistance with topics, such as: Pricing your product Developing marketing plans for a new product rollout or conversion planning. Custom Programming The specific needs of each bank can differ and do not always conveniently fit into a packaged software solution. Anticipating this need, we employ an extensive staff of custom software developers who are available to tailor the software to your exact specifications or to develop custom modules if you have some creative ideas you want to deploy. National Conference The annual National Conference focuses on the continued success of our clients in the cash management and business-banking marketplace. During the conference, users have the opportunity to: Attend interactive breakout sessions Explore our technology showcase Learn how to increase awareness and adoption of online cash management Network with other clients Hear from outside industry speakers Learn about our future vision and product direction xviii Preface Copyright 2008 by Digital Insight, an Intuit company

1. ACH Overview This section provides an overview of the ACH product and general descriptions of ACH services. Introduction to ACH The Automated Clearing House (ACH) product allows corporate customers to efficiently Generate files that conform to standard ACH formats, which conform to National Automated Clearing House Association (NACHA) rules and standards Standards that other organizations such as the American National Standards Institute (ANSI) establish Send ACH files to their banks or other third-party processors, where origination systems such as PEP+ or CoACH process them. What is ACH? In the United States the ACH network is a nationwide batch-oriented electronic funds transfer system governed by the NACHA operating rules which provide for the interbank clearing of electronic payments for participating depository financial institutions. The Federal Reserve and Electronic Payments Network act as ACH operators, central clearing facilities through which financial institutions transmit or receive ACH entries. ACH payments include: Direct Deposit of payroll, Social Security and other government benefits, and tax refunds Direct Payment of consumer bills such as mortgages, loans, utility bills and insurance premiums Business-to-business payments E-checks E-commerce payments Federal, state and local tax payments. Supported SEC Codes The ACH product supports the following NACHA standard entry class (SEC) codes: CBR - Corporate Cross-Border Payment Copyright 2008 by Digital Insight, an Intuit company 1 ACH Overview

CCD - Cash Concentration or Disbursement (includes federal and state tax payments) CTX - Corporate Trade Exchange (pass-thru only) PBR - Consumer Cross-Border Payment PPD - Prearranged Payment and Deposit RCK - Represented Check Entry TEL - Telephone-Initiated Entry WEB - Internet-Initiated Entry For each record format, the information in the Required column indicates whether the field is: Mandatory - the record must contain this field. If a mandatory field is missing or incorrect, the ACH file fails at the ACH operator. Required - the record should contain this field. If a required field is missing or incorrect, the ACH operator does not fail the ACH file, but the receiving depository financial institution (RDFI) could reject the record. Optional - the record can, but does not have to contain this field. For more information about the SEC codes and file formats that the ACH product supports, see Appendix B, ACH File Formats. Cutoff Times Bank personnel set the cutoff times for the ACH product. For each day of the week, the cutoff times indicate the exact times during the day that the system processes approved batches and builds ACH files. The system then moves the ACH files to a bank-designated directory. Bank personnel retrieve the ACH files from the directory and process them. At the last cutoff time for the day, the system runs the cutoff process and sets the current processing date to the next business day. You can use the ACH Settings service to define a default effective entry date cutoff time. For more information about Cutoff times, see Chapter 4: Cutoff Activation and Time Maintenance. Default effective entry date cutoffs, see Chapter 2 ACH Settings. Warehousing Method Using the ACH Settings service, leadbanks can optionally choose to use a warehousing method that controls when the system processes approved batches. If the system Warehouses approved batches, the system processes approved batches a specific number of days before the effective entry date. The Effective Entry Date Default field for the transaction type code controls the specific number of days. The effective entry date is the date that the bank posts all entries in a batch to customers' accounts. 2 Copyright 2008 by Digital Insight, an Intuit company ACH Overview

Does not warehouse approved batches, the system processes all approved batches at the cutoff time, regardless of the effective entry date. For more information see Warehousing Method on page 4-2?? Security Options The ACH product supports the following security options, which provide additional control for ACH activity: ACH Companies Transaction Type Codes Approvals Limits Authentication ACH Companies Use the ACH product to initiate payments. ACH companies allow banks to separate work responsibilities and selectively permit corporate users to specific transaction type codes, which provides an additional level of security for the ACH product. For more information about adding ACH companies, see Chapter 6, Company Maintenance.?? Transaction Type Codes Banks use the ACH product to select the permitted transaction type codes for leadbanks. Each transaction type contains a short name and a long, descriptive name. Transaction type codes are unique codes delivered with the ACH product used to identify the Standard Entry Class (SEC) code for each batch Format of the entries or transactions in the batch Type of transactions in the batch, such as debit or credit. For more information about transaction type codes, see Chapter 3, Transaction Type Maintenance.?? Approvals The ACH product uses approvals to add an additional layer of security to ACH activity. For each ACH company, the bank specifies whether approval is required to process an activated batch. They can require No approval for activated batches The same person who activated the batch to approve the batch A person, other than the person who activated the batch, to approve the batch A person, including the person who activated the batch, to approve the batch. For more information about ACH companies, see Chapter 6, ACH Company Maintenance Copyright 2008 by Digital Insight, an Intuit company 3 ACH Overview

Limits Activating batches, see the ACH User Guide Approving batches, see the ACH User Guide. The ACH product allows banks to set limits for their corporate users maintenance, activation, and approval activity for each transaction type code. These limits control the maximum amount you can Manage (add, change, or delete) for each entry in a batch and for each batch Activate for each entry in a batch and for all batches per day Approve for each entry in a batch and for all batches per day. When corporate users activate or approve a batch, the system Verifies that none of the entries in the batch exceed the item limit Verifies that the batch amount (total amount for all entries in the batch) does not exceed the user s batch limit for the transaction type code Adds the batch amount to the user s accumulated activation or approval total to verify that the amount does not exceed the user s daily batch limit Increases the user s accumulated activation or approval total by the batch amount. For more information about limits, see Chapter 8, ACH User Permissions. Authentication The Challenge Manager product can provide additional security for the ACH product. Bank personnel indicate the services, corporate customers, and users who receive a challenge when accessing a service. The user must then enter a valid response code to use the service. Challenge Manager is not active in the base ACH product. To activate this product, contact your implementation representative. For more information about the Challenge Manager product, see the Challenge Manager Reference Guide and online help. Consolidated Payments The Small Business Consolidated Payments product allows corporate customers to enter and approve Payroll payment requests for direct deposit Tax payment requests for federal and state agencies. Several of the settings you establish and manage in the ACH product, such as cutoff times and ACH settings, control the Consolidated Payments product. The Consolidated Payments product relies on the ACH product to collect and process approved payment requests and build ACH files. Specifically, the ACH product uses the following transaction type codes to support Consolidated Payment activity: 4 Copyright 2008 by Digital Insight, an Intuit company ACH Overview

PAYCO transaction type code, which is a prearranged payment and deposit (PPD) SEC code and supports only payroll payments TAXCO transaction type code, which is a cash concentration or disbursement (CCD) SEC code and supports only tax payments At cutoff time, the ACH product collects approved payroll and tax payment requests and builds one batch for each group of payroll or tax payment requests that share the same ACH company ID Effective entry date. For more information about the Market Segmentation PAYCO and TAXCO transaction type codes, see Appendix A, Transaction Type Codes Consolidated Payments product, see the Consolidated Payments Reference Guide. Several of the ACH services are not available if your system uses market segmentation, and you must use alternate services in the e-commerce Platform product to perform the same functions. About Market Segmentation Market segmentation includes target markets and market segments. A target market is a collection of products assembled to meet the functional needs of a large group of corporate customers. A leadbank can have multiple target markets. When a system is installed, predefined target markets are included. The target markets determine the Available products and services ACH transaction type code defaults Values for the initial default limits. A market segment is a subset of products selected from the target market s products. A target market can have an unlimited number of market segments. Bank personnel add and manage market segments. Each market segment is associated with a target market. After you associate a market segment with a target market, you select all the services from the list of target market products and services that you want the corporate administrators within the market segment to have permission to access. Alternate Services If your system uses market segmentation, you must use services within the e-commerce Platform product to add and manage several of the ACH settings instead of the following ACH services: Transaction Types Copyright 2008 by Digital Insight, an Intuit company 5 ACH Overview

Company Maintenance User Permissions In the e-commerce Platform product, use the following services to set up ACH: Target Market - Use this service to Enable the transaction type codes for target markets Establish the transaction type settings for the o Default effective entry date calculation o Effective entry date override o Offset creation level Set the default limits for the permitted transaction type codes. Market Segment - Use this service to select the available ACH products and services for the market segment. Customer Administration - Use this service to Add and manage the ACH companies for corporate customers Set the approval requirements for ACH companies Add and manage corporate users Permit ACH companies and transaction type codes to corporate users Set the corporate users limits for the permitted transaction type codes. For more information about Batch Templates Target markets and market segments, see the Target Market and Market Segment services in the e-commerce Platform Reference Guide and online help The Customer Administration service, see the e-commerce Platform Customer Administration Reference Guide and online help. Use the ACH Batch Maintenance service to add batch templates for each ACH company. Batch templates contain all the necessary information to build an active batch that you include in an ACH file. These templates serve as models for the entries or transactions you can activate. Optionally, you can use the Template Approval service to set up approval requirements for ACH batch templates. After you view batch template details, you can choose to approve or reject the template itself. After a batch template that requires approval is approved, then it is available for use with other ACH services. When you activate a batch, the system makes an exact copy of the batch template. Before you complete the activation, you can change entry information for that specific activation, such as amounts or addenda information. For more information about Batch templates, see Batch Maintenance in the ACH User Guide 6 Copyright 2008 by Digital Insight, an Intuit company ACH Overview

Activating a batch, see Batch Activation in the ACH User Guide Approving batch templates, see Batch Template Approval in the ACH User Guide. Each batch template contains one or more debit or credit entries. Each entry is associated with a participant, which is the person or organization sending or receiving the debit or credit. Use the Participant Maintenance service to manage all entries for a participant across all batches within an ACH company. This eliminates the need to individually access each batch. For more information about Participants, see Participants Overview in the ACH User Guide. Import Files You can use the ACH Import service to import NACHA formatted, fixed, and delimited files into the ACH product, which Adds a new batch template and entries to the new template (NACHA only) Adds entries to an existing batch template (fixed and delimited only) Changes entries in an existing batch template (fixed and delimited only) Deletes entries from an existing batch template (fixed and delimited only). When you import a file into the ACH product, you must select an ACH map. ACH maps control whether the import file adds a new batch template or updates an existing batch template. For more information about ACH Batch Process ACH maps, see Chapter 9, ACH Map Definition. Importing files, see ACH Import in the ACH User Guide. This diagram and table describe the typical ACH batch process. Copyright 2008 by Digital Insight, an Intuit company 7 ACH Overview

Step 1 Use the Batch Activation page to activate a batch of ACH entries. The system assigns a customer trace number to all activated batches. 2 The system checks the approval settings for the ACH company to which the batch is associated to determine whether the batch requires approval. If the batch Requires approval, the system goes to Step 3. Does not require approval, the system assigns a bank trace number to the batch and goes to Step 4. 3 Use the Batch Approval page to approve the batch. The system assigns a bank trace number to the approved batch and goes to Step 4. The approval settings for the ACH company associated with the batch control indicate whether the batch must be approved by The same user who activated the batch Another user. 4 The system checks the ACH settings to find the selected warehouse method for approved batches. If the system Warehouses approved batches, the system goes to Step 5. Does not warehouse approved batches, the system goes to Step 6. 8 Copyright 2008 by Digital Insight, an Intuit company ACH Overview

Step 5 The system holds the approved batches until the specified date and then goes to Step 6. 6 The cutoff process runs, which processes all approved batches and builds ACH files. The system moves the ACH files to the bank-specified directory. 7 The bank or a third-party processor retrieves the ACH files from the directory and processes them. Proactive Bulletins Proactive bulletins are an optional feature that banks can use to expedite the approval of activated batches. If a bank activates proactive bulletins for ACH approvals, users with activated batches that require approval receive a notification bulletin when they log on to the system. Proactive bulletins contain a link that users can select to display an approval bulletin. Approval bulletins provide The number of activated batches requiring approval A button that displays the Batch Approval Selection page, which you use to approve batches. ACH Recurring Payments - Exception proactive bulletins provide batch numbers and effective entry dates for recurring payments that were not activated automatically. For more information about Pass-Through Files Batch approvals, see Batch Approval in the ACH User Guide. Proactive bulletins, see the e-commerce Platform Reference Guide and online help. You can use the ACH Pass-Through page to load external ACH files into the ACH product. Pass-through files are ACH files generated outside the ACH product and loaded into the product for validation and processing. Loading external ACH files into the ACH product ensures that all files passed to the bank for processing come from the same location and are consistently validated to meet the same NACHA standards. You cannot edit pass-through files. Pass-through files are not subject to cutoff requirements set up in the product. Recurring Payments Corporate users can create recurring payment instructions for ACH payments to be made repeatedly. When you add an ACH batch, you specify the frequencies of the payments and days of the month the payments should be processed. The system automatically activates batches you add with recurring instructions based on the frequency, days, and times you specify. They are activated before the Effective Entry Date associated with the batch based on the transaction type default days. This way, the payments are included in a NACHA file and sent to the bank before the Effective Entry Date. Copyright 2008 by Digital Insight, an Intuit company 9 ACH Overview

Batches with a locked or disabled status are not automatically activated. All approval requirements defined for ACH batches apply to recurring payment instructions. Based on the corporate user ID of the person who added or edited the recurring instructions most recently, The Audit report and ACH reports track recurring payments. Activation user limits are increased. Corporate administrators give permission to allow corporate users to establish recurring instructions. You can only add recurring instructions to batches for which you have add or edit permission. Use the ACH Exception Report to view details for batches with recurring payments processing errors. ACH Services The ACH product currently provides ACH services for banks that support large corporations and small businesses using ColdFusion and Java technologies. We are in the process of changing the technology from ColdFusion to Java. During the transition, the system is available in a configuration that includes ColdFusion-enabled services only Both Java-enabled services and ColdFusion-enabled services. Note: Systems that use market segmentation are configured to include both Java-enabled and ColdFusion-enabled services. The following table describes the ACH services. Currently, all of the ACH services use ColdFusion technology. Bank services are documented in this Guide. Corporate services are documented in the ACH User Guide. The service... With the Service ID... Allows... Bank Services ACH Company Maintenance ACHCompany Bank personnel to add and manage the ACH companies for corporate customers. Note: If your system uses market segmentation, this service is not available. You must use the Customer Administration service in the e-commerce Platform product. For more information about Market segmentation, see Market Segmentation on page 5. The Customer Administration service, see the e-commerce Platform Customer Administration Guide. 10 Copyright 2008 by Digital Insight, an Intuit company ACH Overview

The service... ACH Cutoff Time Maintenance ACH Exception Report ACH File Name Maintenance ACH Host End Point Maintenance With the Service ID... ACHCutoff ACHException ACHFileNames ACHEndPoint Allows... Bank personnel to set up and manage the cutoff times for ACH activity. Bank personnel to request and display summary and detailed information for ACH batches with recurring payments and errors found during processing. Bank personnel to add and manage unique file names for corporate customers. Note: This is an optional service. Bank personnel to add and manage end points, which you use to divert ACH files from standard processing for one or more corporate customers. Note: This is an optional service. ACH Map Definition ACHMapDef Bank personnel and corporate customers to add and manage ACH maps, which control the format of imported ACH files and how imported files function. ACH Pass-Thru Report ACHPTReport Bank personnel and corporate customers to display summary information for the passthru ACH files loaded into the ACH product. ACH Report ACHRpt Bank personnel and corporate customers to display summary and detailed information for batches. ACH Settings ACHSettings Bank personnel to set up and manage the ACH settings, which control How the system builds ACH files E-mail addresses the system uses to send ACH information and messages to the bank Cross-border settings. ACH Status Report ACHStatus Bank personnel to display summary and detailed information for ACH files and the batches in the ACH files. Copyright 2008 by Digital Insight, an Intuit company 11 ACH Overview

The service... ACH Transaction Type Maintenance ACH User Permissions Corporate Services ACH Batch Activation ACH Batch Approval ACH Batch Maintenance With the Service ID... ACHTranTypes ACHUserPerm ACHActivate ACHApprove ACHBatch Allows... Bank personnel to select and manage the short names and long, descriptive names for the transaction type codes the bank allows for ACH activity. Note: If your system uses market segmentation, this service is not available. You must use the Target Market service in the e-commerce Platform product. For more information about Market segmentation, see Market Segmentation on page 5. The Target Market service, see the e- Commerce Platform Reference Guide. Bank personnel and corporate administrators to Add and manage permissions to ACH companies and transaction type codes for corporate personnel Set the ACH limits for corporate personnel. Note: If your system uses market segmentation, this service is not available. You must use the Customer Administration service in the e-commerce Platform product. For more information about Market segmentation, see Market Segmentation on page 5. The Customer Administration service, see the e-commerce Platform Customer Administration Guide. Corporate customers to activate ACH batches. Corporate customers to approve activated batches. Corporate customers to add and manage ACH batch templates. 12 Copyright 2008 by Digital Insight, an Intuit company ACH Overview

The service... ACH Batch Template Approval ACH Exception Report With the Service ID... ACHTmplAppr ACHException Allows... Corporate customers to approve ACH batch templates. After viewing batch template details, you can choose to approve or reject the template itself. If you approve a batch template that requires approval, the batch template is then available for use with other ACH services. If you reject a batch template that requires approval, it is in the rejected state and is available for use only in the ACH Batch Maintenance service. Corporate customers to request and display summary and detailed information for ACH batches with recurring payments and errors found during processing. ACH Import ACHImport Corporate customers to import NACHA formatted, delimited, and fixed files into the ACH product from an outside source. ACH Participant Maintenance ACHPartMnt Corporate customers to manage batch entry information for participants. ACH Pass-Thru ACHPassThru Corporate customers to load ACH files built outside of the ACH product into the ACH product for validation and processing. ACH Pass-Thru Report ACHPTReport Bank personnel and corporate customers to display summary information for the passthru ACH files loaded into the ACH product. ACH Reversals ACHReversal Corporate customers to submit a request to the bank to reverse an entry that was previously sent in an ACH batch file. ACH Totals ACHTotals Corporate customers to submit to the bank the total debit and credit amounts of all ACH files sent to the bank for processing during the current day. Copyright 2008 by Digital Insight, an Intuit company 13 ACH Overview

The service... ACH User Permissions With the Service ID... ACHUserPerm Allows... Bank personnel and corporate administrators to Add and manage permissions to ACH companies and transaction type codes for corporate personnel Set the ACH limits for corporate personnel. Note: If your system uses market segmentation, this service is not available. You must use the Customer Administration service in the e-commerce Platform product. For more information about Market segmentation, see Market Segmentation on page 5. The Customer Administration service, see the e-commerce Platform Customer Administration Guide. ACH User Interface For security purposes, when using the Internet-based ACH product, be sure to use Back, Cancel, Delete, Print, and Reset buttons on application pages instead of your browser's Back, Forward, Stop, or Refresh buttons. To refresh a page, reselect the service tab. These procedures ensure the security of banking data such as account numbers. Be careful to click buttons displayed on ACH pages only once. Double-clicking buttons can cause system problems. For example, following is the ACH Report page with Submit and Clear buttons that you should only click once. 14 Copyright 2008 by Digital Insight, an Intuit company ACH Overview

Page Element Standards Element Example Field sizes Required fields Requested date/time stamp Report columns Multi-select boxes Date formats Display next to field names Display in red and have an asterisk (*) on the software page Displays on reports when you generate them Are sortable, except columns that contain hyperlinks Selects multiple options in a multiselect box Short - M/d/yy Medium - MMM d, yyyy Long - MMMM d, yyyy Click a column header to sort the data in either ascending or descending order, depending on the current sort state. Press the Shift key while you click each option. To select nonconsecutive options, press the Control (Ctl) key while you click the options. Short - 3/7/04 Medium - Mar 27, 2004 Long - Marc 27, 2004 Copyright 2008 by Digital Insight, an Intuit company 15 ACH Overview

Element Example Time formats Credits Short - h:mm a Medium - h:mm:ss a Long - H:mm:ss a z Display in green 4:24 PM 4:24:53 PM 4:24:53 PM EST Debits Display in red Getting Started This section describes the tasks for setting up the ACH product for use by bank personnel, corporate administrators, and corporate users. ACH Setup Tasks for Bank Personnel Bank personnel must complete the following setup tasks before using the ACH product: Use the ACH Settings service to define the ACH settings. Use the ACH Transaction Type Maintenance service to select the short name and long, descriptive name for transaction types for the leadbank. Use the ACH Cutoff Time Maintenance service to add the leadbank s cutoff times for ACH activity and Consolidated Payments activity. Use the ACH Company Maintenance service to Add ACH companies for each corporate customer Select the transaction type codes for each ACH company Note: If your system uses market segmentation, corporate administrators must use the Customer Administration service in the e-commerce Platform product instead of the Company Maintenance service to complete these setup tasks. Use the User Permissions service to Permit corporate personnel access to ACH companies for ACH activity Select the corporate user s permitted transaction type codes for each ACH company Set the maintenance, activation, and approval limits for the user s permitted transaction type codes in the ACH companies. 16 Copyright 2008 by Digital Insight, an Intuit company ACH Overview

Note: If your system uses market segmentation, corporate administrators must use the Customer Administration service in the e-commerce Platform product instead of the Company Maintenance service to complete these setup tasks. Use the ACH End Point Maintenance service (if the bank uses end points) to add end points and associate one or more corporate customers with each end point. Use the ACH File Name Maintenance service (if the bank uses file names) to Add unique file names for ACH files Associate a corporate customer with a file name. ACH Setup Tasks for Corporate Administrators Corporate administrators must complete the following setup tasks before using the ACH product: Use the ACH Batch Maintenance service to add the batch templates for each ACH company. Use the User Permissions service (if the bank permits) to Permit corporate users access to ACH companies for ACH activity Select the corporate user s permitted transaction type codes for each ACH company Set the maintenance, activation, and approval limits for the user s permitted transaction type codes in the ACH companies. Use the ACH Map Definition service (if you plan to use Import) to add the ACH maps for importing files into the ACH product. Note: If your system uses market segmentation, corporate administrators must use the Customer Administration service in the e-commerce Platform product instead of the Company Maintenance service to complete these setup tasks. ACH Setup Tasks for Corporate Users Depending on how the corporate customer operates, corporate users may be required to complete the following setup tasks before using the ACH product: Menu Interfaces Use the ACH Batch Maintenance service to add the batch templates for each ACH company. Use the ACH Map Definition service to add the ACH maps for importing files into the ACH product. The system provides the following user menu interfaces for system navigation: Tabbed-Menu Interface Copyright 2008 by Digital Insight, an Intuit company 17 ACH Overview

Banks and some corporate customers use tabbed menus for system navigation. To use a tabbed menu, select the service group to display the associated service tabs. Then select the service tab to display the specific service. Tiered-Menu Interface Corporate customers also use tiered menus for system navigation. To use a tiered menu, select the top tier to display the associated lower-level tier. Then select the lower-level tier to display specific services. Tiered menus can contain up to three levels. 18 Copyright 2008 by Digital Insight, an Intuit company ACH Overview

2. ACH Settings About ACH Settings Use the ACH Settings service to add and manage the ACH settings for the leadbank. These settings control How the system builds and formats ACH files as well as the default information for certain key fields The e-mail address the system uses to send system messages, reversal requests, and ACH file totals to the bank Whether corporate customers can add and manage cross-border batches Whether corporate customers can add entries to batches that affect general ledger accounts and loan accounts. Relationship to Consolidated Payments The system uses several of the settings in the ACH Settings service to process approved payment requests for the Consolidated Payments product. For more information, see the Consolidated Payments Reference Guide. Relationship to other ACH Services The settings in this service affect many of the other ACH services. You should establish the settings in this service before you set up the other ACH services. The system uses some of the settings in this service as the default values in other ACH services. Users can override these default values in the other ACH services. Service Information The following information applies to the ACH Settings service. Technology This is a ColdFusion-enabled service. Audience The ACH Settings service is available to bank personnel. For a complete list of all ACH services and the audience for each service, see ACH Services on page 10. Default Service Identifiers The following default service identifiers are associated with the ACH Settings service and reflect the initially-installed values: Copyright 2008 by Digital Insight, an Intuit company 19 ACH Settings

Service Name: ACH Settings The service name is the name that the system uses to describe a service. Tab Text: ACH Settings The tab text is the abbreviated name on the service tab. Service ID: ACHSettings The service ID is the code the system uses to identify the service. Service Group: ACH Admin (tabbed-menu interface only) The service group is the group to which the service belongs. 20 Copyright 2008 by Digital Insight, an Intuit company ACH Settings

ACH Settings ACH Settings Page ACH Settings Use this page to add and manage the ACH settings for leadbanks. Copyright 2008 by Digital Insight, an Intuit company 21 ACH Settings

Fields Field Name ACH System section Future Date Default Warehousing (Y/N) Process Cutoff on Holiday (Y/N) Enable SB ACH Prefunding (Y/N) System E-Mail The default number of days for the Future Date field on the Company Information Data Entry page. Bank personnel can change the default number of days in the Future Date field when they add ACH companies. The Future Date field controls how far in the future a user can manually change the effective date for a batch or a payment request. For more information, see the Company Information Add Page. Enter the number of days between 0 and 365. The default is 10. An option that indicates when the system processes an approved batch or payment request. If the warehousing method is Yes, the system processes approved batches and payment requests a specific number of days before the effective entry date. Note: The Effective Entry Date Default field for the transaction type code on the Transaction Type Selection page controls the specific number of days. If you select this method, the system warehouses or holds approved batches and payment requests until the date qualifies for processing. No, the system processes all approved batches and payment requests at the cutoff time, regardless of the effective entry date. For more information about the Cutoff process, see About Cutoffs Transaction Type Selection page, see Transaction Type Selection Page. Select the warehousing method. The default is Yes. An option that indicates whether the system runs the cutoff process on holidays. Use the Holidays service to define the holidays for the leadbank. For more information about The cutoff process, see About Cutoffs Holidays, see the e-commerce Platform Reference Guide. Select Yes to run the cutoff process on holidays. The default is Yes. An option that indicates whether the system allows prefunding for Small Business ACH transactions. Select Yes to allow prefunding. Select No to disallow prefunding. When you enable ACH Prefunding, the system verifies funds in an offset account for the selected payee before processing transactions. The default is No. The e-mail address at the bank to receive system messages if you have a mail server configured. ACH sends all ACH-specific messages to this e-mail address for events such as missing company IDs. Enter the e-mail address. For example: ACHAdmin@SecureGA.com Required. Enter up to 40 alphanumeric characters. 22 Copyright 2008 by Digital Insight, an Intuit company ACH Settings

ACH Settings Field Name Reversals E-Mail Totals E-Mail Enable Recurring Payments (Y/N) The e-mail address at the bank to receive reversal requests from corporate customers if you have a mail server configured. ACH sends all reversal requests to this e-mail address. Enter the e-mail address. For example: ACHAdmin@SecureGA.co Optional. Enter up to 40 alphanumeric characters. The e-mail address at the bank to receive ACH file totals from corporate customers if you have a mail server configured. ACH sends all ACH file totals to this e-mail address. Enter the e-mail address. For example: ACHAdmin@SecureGA.com Optional. Enter up to 40 alphanumeric characters. An option that indicates whether the system allows processing of recurring payments. Select Yes to allow recurring payments. Select No to disallow recurring payments. The default is Yes. Note: When you disable recurring payments, recurring instructions associated with existing batches are deleted. ACH File section ACH File Format Custom Name for Single File A list of options that control how the system builds ACH files for corporate customers. If you select Separate Customer Files, the system builds separate ACH files for each corporate customer. Single File per LeadBank (Separate Customer Files), the system builds one ACH file for the leadbank, which contains separate ACH files for each corporate customer Single File per LeadBank (Batches Merged), the system builds one ACH file for the leadbank, which contains the merged batches for all corporate customers. Note: You must select Separate Customer Files if you use the customer file name feature. This fields does not apply to pass-thru files. Select an ACH file format for the leadbank. The default is Separate Customer Files. The file name the system uses to name ACH files. You can enter a custom file name only if you select one of the Single File per Leadbank options in the ACH File Format field. Enter the file name. If you leave this field blank, the system uses the default naming format [cust code]_[file type]jjjsssss, where [cust code] is the code for the corporate customer _ is an underscore [file type] is an A for a normal cutoff file jjj is the Julian date sssss is a unique sequence number. Optional. Enter up to 17 alphanumeric characters. Copyright 2008 by Digital Insight, an Intuit company 23 ACH Settings

Field Name Overwrite Duplicate Files (Y/N) Pad File with 9 s (Y/N) ODFI Routing Number Immediate Destination Immediate Origin An option that indicates whether the system overwrites duplicate file names. You can select Yes only if you Select one of the Single File per Leadbank options in the ACH File Format field Enter a file name in the Custom Name for Single File field. Select Yes to overwrite duplicate file names. If you select No, the system appends all duplicate file names with an underscore ( _ ) and a unique identifier to make the file name unique. The default is No. An option that indicates whether you want the system to include in ACH files additional lines that contain 9s after the ACH File Trailer record (9 record). Use this option to keep the number of records in ACH files divisible by 10. Select Yes to pad ACH files with 9s. The default is Yes. The routing number for the originating depository financial institution (ODFI. The value in this field displays in the Batch Header record (5 record) Entry Detail record (6 record) as the first 8 digits of the Trace Number field Batch Trailer record (8 record). Enter the routing number. The first 8 digits are the ABA number and the last digit is the check digit. Required. Enter 9 numeric characters. The routing number for the ACH recipient (receiving point). The immediate destination usually contains 1 blank 4-digit federal reserve routing symbol 4-digit ABA institution identifier 1-digit check digit. The value in this field displays in the ACH File Header record (1 record) for all ACH files. Required. Enter up to 10 alphanumeric characters for the immediate destination. The routing number for the ACH originator (sending point). The immediate origin usually contains 1 blank 4-digit federal reserve routing symbol 4-digit ABA institution identifier 1-digit check digit. The value in this field displays in the ACH File Header record (1 record) for all ACH files. Note: If an end point exists, the system ignores the value in the Immediate Origin field and uses the end point code. Required. Enter up to 10 alphanumeric characters for the immediate origin. 24 Copyright 2008 by Digital Insight, an Intuit company ACH Settings

ACH Settings Field Name Destination Name Origination Name Reference Code The name for the immediate destination. The value in this field displays in the ACH File Header record (1 record) for all ACH files. Enter the name. Optional. Enter up to 23 alphanumeric characters. The name for the originating depository financial institution (ODFI). The value in this field displays in the ACH File Header record (1 record) for all ACH files. Optional. Enter up to 23 alphanumeric characters for the name. Additional information that is relevant to the originator. The value in this field displays in the ACH File Header record (1 record) for all ACH files. Optional. Enter up to 8 alphanumeric characters for the reference code. Cross Border FX Indicators section Fixed to Fixed (FF) (Y/N) Fixed to Variable (FV) (Y/N) An option that indicates whether the leadbank permits corporate customers to add fixed-to-fixed batches when the payment originates in United States Dollars (USD) and is paid in USD. For more information about batches, see the ACH User Guide and online help. Note: This option is available only for batches with cross-border transaction type codes. Select Yes to permit the fixed-to-fixed option for corporate customers. The default is No. An option that indicates whether the leadbank permits corporate customers to add fixed-to-variable batches when the payment originates in USD and is paid in a foreign currency. For more information about batches, see the ACH User Guide and online help. Note: This option is available only for batches with cross-border transaction type codes. Select Yes to permit the fixed-to-variable option for corporate customers. The default is No. Acct Type for Batches/Participants section Enable G/L Account (Y/N) An option that indicates whether the leadbank permits batch entries that use the General Ledger account type. Corporate customers select an account type when they add entries to a batch. For more information about batches, see the ACH User Guide and online help. Note: The General Ledger account type is not available for batches with Cross-border transaction type codes The WEB transaction type code. Select Yes to permit the General Ledger account type for corporate customers. The default is No. Copyright 2008 by Digital Insight, an Intuit company 25 ACH Settings

Field Name Enable Loan Account (Y/N) An option that indicates whether the leadbank permits batch entries that use the Loan account type. Corporate customers select an account type when they add entries to a batch. For more information about batches, see the ACH User Guide and online help. Note: The Loan account type is not available for batches with Debit-only transaction type codes Cross-border transaction type codes The WEB transaction type code. Select Yes to permit the Loan account type for corporate customers. The default is No. ACH User Process Options section Bank User Delete Batches (Y/N) Corporate User Delete Batches (Y/N) Free Form Addenda Data Required (Y/N) Import Batches as Disabled (Y/N) Template Approval Allowed (Y/N) No Activity Indicator (1-999) An option that indicates whether bank users are allowed to delete batches in the ACH Report Service. Select Yes to permit deletion of batches for bank users. The default is No. An option that indicates whether corporate users are allowed to delete batches in the ACH Report Service. Select Yes to permit deletion of batches for corporate users. The default is Yes. An option that indicates whether free-form addenda is required for the leadbank. Select No to allow free-form addenda data to be optional. Select Yes to require free-form addenda data. The default is Yes. An option that indicates the status of all accepted imported batches. Select Yes to set the status of all accepted imported batches to Disabled. Select No to set the status of all accepted imported batches to Active. The default is Yes. An option that indicates whether ACH users are allowed to approve batch templates. Select Yes to allow approval of batch templates. The default is No. An option that indicates you want the system to highlight participant records that have not been activated within a specific time. This notice is displayed on the Edit Entries page. Enter the number of days after which you want to highlight inactive participant records. The default is 120. ACH Pass-Thru Options section Require Approval for Pass-Thru Files (Y/N) An option that indicates whether you want the system to require approval for processing pass-thru files for all customers within the leadbank. The status of a file is set to Accepted/Approval Required when it is accepted in the Pass-Thru service. The default is No. 26 Copyright 2008 by Digital Insight, an Intuit company ACH Settings

ACH Settings Field Name Apply Limit Validations to Pass-Thru Files (Y/N) An option that indicates whether you want the system to validate amounts for pass-thru files according to established limits. Selecting Yes means the pass-thru process validates the batches and transactions within the file being processed to determine if the transactions and the total batch amount exceed the user's limits set in ACH Permissions for the associated ACH company. Customer and user overall limits are also validated. The default is No. Buttons Button Submit Reset Saves your changes. Restores the information in all fields to the last-saved values. Copyright 2008 by Digital Insight, an Intuit company 27 ACH Settings

28 Copyright 2008 by Digital Insight, an Intuit company ACH Settings

3. ACH Transaction Type Maintenance About Transaction Types Use the Transaction Type Maintenance service to select the transaction types for the leadbank. Transaction types are unique codes delivered with the ACH product, which the system uses to identify the Standard Entry Class (SEC) code for each batch Format of the entries or transactions in the batch Type of transactions within the batch. Standard Entry Class (SEC) Codes The SEC codes that are supported in the ACH product are as follows: CBR for corporate cross border payments CCD for cash concentrations or disbursements CTX for Corporate Trade Exchange (pass-thru only) PBR for consumer cross border payments PPD for prearranged payments and deposits RCK for represented checks TEL for telephone-initiated entries WEB for Internet-initiated entries. For a complete list of the transaction type codes delivered with the ACH product and a description for each code, see Appendix A: Transaction Type Codes. Transaction Type Code Format Addenda Each transaction type code consists of an SEC code followed by one of the following codes, which indicates the type of transactions within the batch: CD for credits and debits CO for credits only DO for debits only The transaction type code includes a + (plus symbol) if the batch contains addenda, which provides additional payment information. Copyright 2008 by Digital Insight, an Intuit company 29 ACH Transaction Type Maintenance

Example 1. The SEC code for cash concentrations or disbursements is CCD. 2. Addenda indicator is a plus sign (+) 3. Credits and debits indicated by CD. For a complete list of the transaction type codes delivered with the ACH product and a description for each code, see Appendix A: Transaction Type Codes. Transaction Type Setup After you use the Transaction Types service to select the transaction type codes for your leadbank, you must use the following services to complete the transaction type setup: Company Information Use this service to permit the transaction type codes for each ACH company defined for a corporate customer. The transaction type codes you enabled using the Transaction Types service are the codes you can access using this service. For more information, see Chapter 6: ACH Company Maintenance. Permissions Use this service to permit the ACH companies a corporate user can access. Then, for each permitted ACH company, permit the transaction type codes the corporate user can access. The list of transaction type codes you permitted using the Company Information service are the transaction type codes you can access using this service. For more information, see Chapter 8: User Permissions. Batch Templates When corporate users add ACH batch templates using the ACH Batches service, they must select an ACH company and a transaction type code for the template. The ACH companies and transaction type codes you permitted to corporate users using the Permissions service are those they can access for batch templates. For more information about batches, see the ACH User Guide and online help. Service Information The following information applies to the Transaction Type Maintenance service. Availability If your system uses market segmentation, the Transaction Type Maintenance service is not available. You must use the Target Market service in the e-commerce Platform 30 Copyright 2008 by Digital Insight, an Intuit company ACH Transaction Type Maintenance

ACH Transaction Type Maintenance product to enable the transaction type codes for the target market. For more information, see Technology Market Segmentation on page 5 The e-commerce Platform Reference Guide. This is a ColdFusion-enabled service. Audience The Transaction Type Maintenance service is available to bank personnel. For a complete list of all ACH services and the audience for each service, see ACH Services on page 10. Default Service Identifiers The following default service identifiers are associated with the Transaction Type Maintenance service and reflect the initially-installed values: Service Name: ACH Transaction Type Maintenance The service name is the name that the system uses to describe a service. Tab Text: Transaction Types The tab text is the abbreviated name on the service tab. Service ID: ACHTranTypes The service ID is the code the system uses to identify the service. Service Group: ACH Admin (tabbed-menu interface only) The service group is the group to which the service belongs. Copyright 2008 by Digital Insight, an Intuit company 31 ACH Transaction Type Maintenance

Transaction Type Selection Page Transaction Type Selection Use this page to select transaction type codes for leadbanks and the settings for each transaction type code. 32 Copyright 2008 by Digital Insight, an Intuit company ACH Transaction Type Maintenance

ACH Transaction Type Maintenance Fields Field Name Transaction Types Transaction Type Long Name The transaction type codes for the ACH product. Note: The PAYCO and TAXCO transaction type codes are used only for the Consolidated Payments product. This field is display only. A descriptive long name for each transaction type. Enter a long name to describe the transaction type. Optional. Enter a maximum of 60 alphanumeric characters. If you do not define long names for transaction types, the system uses the following default names: CBR w/addenda, Credits CBR w/addenda, Debits CCD w/addenda, Mixed Credits and Debits CCD w/addenda, Credits CCD w/addenda, Debits CCD, Mixed Credits and Debits CCD, Credits CCD, Debits PAYCO - PPD, Credits PBR w/addenda, Credits PBR w/addenda, Debits PPD w/addenda, Mixed Credits and Debits PPD w/addenda, Credits PPD w/addenda, Debits PPD, Mixed Credits and Debits PPD, Credits PPD, Debits CCD w/sba Payment Addenda, Credits Re-presented Check Entries TAXCO - CCD, Credits Telephone-Initiated Entries Telephone-Initiated Entries, Credits Telephone-Initiated Entries, Debits WEB w/addenda, Debits Copyright 2008 by Digital Insight, an Intuit company 33 ACH Transaction Type Maintenance

Field Name Short Name Enabled Effective Entry Date Default A descriptive short name for each transaction type. Enter a short name to describe the transaction type. Optional. Enter a maximum of 20 alphanumeric characters. If you do not define short names for transaction types, the system uses the following default names: CBR+CO CBR+DO CCD+CD CCD+CO CCD+DO CCDCD CCDCO CCDDO PAYCO PBR+CO PBR+DO PPD+CD PPD+CO PPD+DO PPDCD PPDCO PPDDO SBACO RCK TEL TAXCO TELCO TELDO WEB+DO A setting that indicates whether the transaction type code is enabled for the leadbank. Select Yes to enable the transaction type code for the leadbank No to disable the transaction type code for the leadbank. The default is No. The number of future business days the system uses to set the effective entry date for a batch. When a corporate user activates a batch, the system adds the number of business days in this field to the current processing date and displays this date in the Effective Entry Date field on the Available Batch Templates page. Select the default number of days from the list. The default is 1 for debits and 2 for credits. 34 Copyright 2008 by Digital Insight, an Intuit company ACH Transaction Type Maintenance

ACH Transaction Type Maintenance Field Name Effective Entry Date Override Offset Creation Level A setting that indicates whether the corporate user can change the effective entry date to a date that is earlier than the default effective entry date. You change the effective entry date in the Effective Entry Date field on the Available Batch Templates page. However, the corporate user cannot enter a date that is earlier than the current processing date. Select Yes if the corporate user can change the date No if the corporate user cannot change the date. The default is No. A setting that indicates whether the corporate user must select an offset account for each Batch template Entry within a batch template. An offset transaction is a settlement transaction that moves funds to or from the corporate customer s account for the credit or debit transactions that the corporate customer originates. Select None if you do not want the system to generate an offset transaction for batches or entries that use this transaction type code Batch if you want the system to generate one offset transaction for each batch that uses this transaction type code Transaction if you want the system to generate an offset transaction for each entry or transaction within a batch that uses this transaction type code. The default is None. Buttons Button Change Reset Saves your changes. Restores the information in all fields to the last-saved values. Copyright 2008 by Digital Insight, an Intuit company 35 ACH Transaction Type Maintenance

36 Copyright 2008 by Digital Insight, an Intuit company ACH Transaction Type Maintenance

4. ACH Cutoff and Activation Time Maintenance About Cutoffs Use the Cutoff and Activation Time Maintenance service to add and manage the ACH cutoff and activation times for the leadbank. Activation time maintenance is available only for recurring payments. The cutoff time indicates the time of day that the system Collects all batches with an Approved status Generates one or more ACH files using the ACH file format Places the ACH files in the bank-specified directory Sets the current processing date to the next working business day (for the last cutoff time defined for the day). At the last cutoff time defined for the day, the system sets the current processing date to the next working business day. The system processes batches that are approved after the final cutoff time for the current day at the first cutoff time on the next working business day. Relationship to Consolidated Payments The system uses the ACH cutoff times as the cutoff times for the Consolidated Payments product. At the cutoff time, the system Collects all payment requests with an Approved status Builds batches of similar payment requests Generates one or more ACH files using the ACH file format (If the bank uses the Consolidated Payments product and the ACH product, the system consolidates batches from both products in the same ACH files.) Places the ACH files in the bank-specified directory Sets the current processing date to the next working business day (for the last cutoff time defined for the day). For more information, see the Consolidated Payments Reference Guide. Warehousing Method In addition to the cutoff time, the warehousing method selected for the leadbank controls when the system processes an approved batch or payment request. The bank uses the ACH Settings service to define the warehousing method for the leadbank. If the warehousing method is Copyright 2008 by Digital Insight, an Intuit company 37 ACH Cutoff Activation and Time Maintenance

Yes, the system processes approved batches and payment requests a specific number of days before the effective entry date (The Effective Entry Date Default field for the transaction type code controls the specific number of days.) No, the system processes all approved batches and payment requests at the cutoff time, regardless of the effective entry date. Holidays and Nonbusiness Days The selection in the Process Cutoff on Holiday field on the ACH Settings page controls whether the system runs the cutoff process on holidays. Use the Holidays service in the e- Commerce Platform product to define the holidays for the leadbank. Use the Nonbusiness Days service in the e-commerce Platform product to indicate the nonworking days for the leadbank. For more information about Holidays and nonbusiness days, see the e-commerce Platform Reference Guide The ACH Settings page, see the ACH Settings Page on page 21. Status Report Service You can use the reports in the Status Report service to display detailed information for the ACH files created during the ACH cutoff process. For more information about this service, see Status Report. Service Information The following information applies to the Cutoff Time Maintenance service. Technology This is a ColdFusion-enabled service. Audience The Cutoff Time Maintenance service is available to bank personnel. For a complete list of all ACH services and the audience for each service, see ACH Services on page 10. Default Service Identifiers The following default service identifiers are associated with the Cutoff Time Maintenance service and reflect the initially-installed values: Service Name: ACH Cutoff Time Maintenance The service name is the name that the system uses to describe a service. Tab Text: Cutoffs The tab text is the abbreviated name on the service tab. 38 Copyright 2008 by Digital Insight, an Intuit company ACH Cutoff Activation and Time Maintenance

ACH Cutoff and Activation Time Maintenance Service ID: ACHCutoff The service ID is the code the system uses to identify the service. Service Group: ACH Admin (tabbed-menu interface only) The service group is the group to which the service belongs. Cutoff and Activation Time Maintenance Pages The Cutoff and Activation Time Maintenance service contains the following pages: ACH Cutoff and Activation Time Selection Page ACH Cutoff and Activation Time Data Entry Page ACH Cutoff and Activation Time Report Page ACH Cutoff and Activation Time Selection Page Fields ACH Cutoff Times Selection Use this page to select Whether you want to manage cutoff times or activation times A day of the week to add or manage cutoff time information A time of the day to activate ACH batch files. Fields differ depending on whether you choose to manage cutoff times or activation times. If you choose to manage cutoff times, the selection page displays the Day of Week field, which contains a list of the days of the week. Select a day from the list to open the ACH Cutoff and Activation Times Data Entry page and display cutoff time information for the selected day. If you choose to manage activation times for recurring payments, the ACH Cutoff and Activation Times Data Entry page displays with defined activation times displayed. Copyright 2008 by Digital Insight, an Intuit company 39 ACH Cutoff Activation and Time Maintenance

Buttons Button Cutoff Time Activation Time View Printable Report Opens the data entry page with fields for defining cutoff times Opens the data entry page with fields for defining activation times Opens the ACH Cutoff and Activation Times Report page, which displays cutoff for each day of the week and activation time information. ACH Cutoff and Activation Time Data Entry Page ACH Cutoff Times Data Entry Use this page to add and manage ACH cutoff and activation time information for the leadbank. The page that displays depends on whether you chose Cutoff Time or Activation Time on the ACH Cutoff Time Selection Page. Multiple Daily Cutoff Times You can specify one or more cutoff times for each day of the week. The cutoff time indicates the exact time that the system runs the ACH cutoff process. When the system runs the ACH cutoff process for the last cutoff time of the day, it resets the current processing date to the next working business day. If you do not want the system to run the ACH cutoff process for a day of the week, do not add cutoff times for that day. Empty ACH Files For each cutoff time, you can select whether you want the system to generate an empty ACH file. If you select this option for a cutoff time and no approved batches or payment requests are available for processing, the system generates an ACH file that contains only 40 Copyright 2008 by Digital Insight, an Intuit company ACH Cutoff Activation and Time Maintenance

ACH Cutoff and Activation Time Maintenance Results Fields an ACH header record (1 record) and an ACH trailer record (9 record). Use this option to indicate that the ACH cutoff process ran, but that no approved batches or payment requests were available for processing. When you add or change information on the data entry pages and click Submit Changes, the Results section displays on the page. This section confirms the information you added, changed, or deleted. The Results section does not display when you first access this page or when you select a different day of the week. Field Name Cutoff Time Page Day of Week Selection section (not labeled) Day of Week A list that contains the days of the week. Select a day of the week. Result: When you select a day, the Cutoff Time Information Section displays the current cutoff information for the selected day. Results section (not labeled) Action Update Results The action or actions the system performed when you clicked Submit Changes. The values are Add Change Delete. For more information, see Results above. This field is display only. A message describing the results of the actions the system performed when you clicked Submit Changes. For example: Monday Cutoff 18:00 Added. Monday Cutoff 09:00 Deleted. Sunday Cutoff 18:00 Created Empty File set to No. For more information, Results above This field is display only. Cutoff Time Information section (not labeled) Cutoff Time The current cutoff time for the specified day of the week. This field is display only. Copyright 2008 by Digital Insight, an Intuit company 41 ACH Cutoff Activation and Time Maintenance

Field Name Create Empty File Delete An option that indicates whether you want the system to generate an empty ACH file at cutoff time if no approved batches or payment requests are available for processing. For more information, see Empty ACH Files on page 40. Select the check box to generate empty ACH files for the selected cutoff time. An option that indicates whether you want the system to delete the selected cutoff time. Select the check box and click Submit Changes to delete the cutoff time. Add New section (not labeled) Create Empty File (not labeled) HH:MM new An option that indicates whether you want the system to generate an empty ACH file at cutoff time if no approved batches or payment requests are available for processing. For more information, see Empty ACH Files on page 40. Select the check box to generate empty ACH files for the selected cutoff time. The time of day for the new cutoff time. Enter the new cutoff time using the hh:mm format, and click Submit Changes. For example, enter: 09:00 for 9:00 a.m. 18:00 for 6:00 p.m. 00:00 for midnight Activation Time Page Activation Time Delete HH:MM List of times defined for activating ACH batches Checkbox to indicate you want to delete the activation time on the same line The time of day for the new activation time. Enter the new activation time using the hh:mm format, and click Submit Changes. For example, enter: 09:00 for 9:00 a.m. 18:00 for 6:00 p.m. 00:00 for midnight Buttons Button View Printable Report New Opens the ACH Cutoff and Activation Time Report page, which displays cutoff information for each day of the week and batch activation times Stores the activation time specified in the HH:MM field 42 Copyright 2008 by Digital Insight, an Intuit company ACH Cutoff Activation and Time Maintenance

ACH Cutoff and Activation Time Maintenance Button Submit Changes Reset Saves the new or changed cutoff or activation time information and displays the Results section Restores the information in all fields to the last-saved values. ACH Cutoff and Activation Time Report Page Fields ACH Cutoff Report Use this report to display cutoff time information for each day of the week or defined activation times. This page displays when you click View printable report on the ACH Cutoff and Activation Times Selection page or the ACH Cutoff and Activation Times Data Entry page. You cannot change information on this page. Field Name Day of Week Cutoff Time The day of the week for the cutoff information. The cutoff times for the day of the week. The message No Cutoff Times exist displays if cutoff information does not exist for the day of the week. Copyright 2008 by Digital Insight, an Intuit company 43 ACH Cutoff Activation and Time Maintenance

Field Name Create Empty File Last Modified Activation Time The selection for creating an empty ACH file during the cutoff process when approved batches or payment requests are not available for processing. The values that display in this field are Yes and No. The customer ID and user ID of the person who last changed the cutoff information. This field also displays the date and time the information was changed. The predefined times for activating ACH batches. 44 Copyright 2008 by Digital Insight, an Intuit company ACH Cutoff Activation and Time Maintenance

5. ACH Endpoint Maintenance About Endpoints Use the End Point Maintenance service to add and manage the end points for the leadbank. An end point is an immediate destination, which is part of the ACH file header record (1 record). The ACH product uses end points to divert an ACH file from standard processing when special processing is required. End points are an optional feature in the ACH product. How End Points Work When you add an end point, you can associate one or more corporate customers with the end point. When the ACH cutoff process runs and the system generates ACH files, it checks to see if the corporate customer is associated with an end point. If the system Finds an end point for the corporate customer, it uses the end point code as the Immediate Destination in the ACH file header record (1 record) Does not find an end point for the corporate customer, it uses the value in the Immediate Destination field on the ACH Settings page as the Immediate Destination in the ACH file header record. For more information, also see ACH File Format ACH Settings Page on page 21. Appendix B: ACH File Formats. If you use end points, the system ignores the ACH file format setting on the ACH Settings page and generates separate ACH files for each corporate customer. Service Information The following information applies to the End Points service. Technology This is a ColdFusion-enabled service. Audience The End Point Maintenance service is available to bank personnel. For a complete list of all ACH services and the audience for each service, see ACH Services on page 10. Default Service Identifiers Copyright 2008 by Digital Insight, an Intuit company 45 ACH Endpoint Maintenance

The following default service identifiers are associated with the End Point Maintenance service and reflect the initially-installed values: End Points Pages Service Name: ACH End Point Maintenance The service name is the name that the system uses to describe a service. Tab Text: End Points The tab text is the abbreviated name on the service tab Service ID: ACHEndPoint The service ID is the code the system uses to identify the service. Service Group: ACH Admin (tabbed-menu interface only) The service group is the group to which the service belongs. The End Point Maintenance service contains the following pages: ACH Host End Point Selection Page End Point Data Entry Page End Point Delete Page ACH Host End Point Report Page ACH Host End Point Selection Page ACH Host End Points Selection Use this page to add and manage the end points for the leadbank. From this page you can Add an end point Change information for an end point Delete an end point Display the ACH Host End Point report, which lists end point information for one or more end points. 46 Copyright 2008 by Digital Insight, an Intuit company ACH Endpoint Maintenance

ACH Endpoint Maintenance Fields Field Name Code Name Endpoints (not labeled) The unique code for the end point. Enter all or part of the code and click Find/Refresh to list all end points that match the search criteria. Rule: To add a new end point, you must enter the code. Required when adding. Enter up to 10 alphanumeric characters. The name for the end point. Enter all or part of the name and click Find/Refresh to list all end points that match the search criteria. Rule: To add a new end point, you must enter the name. Required when adding. Enter up to 25 alphanumeric characters. A list of end points for the leadbank. To change or delete an end point, select one end point in the list. To display the ACH Host End Points report, select one or more end points in the list. Use the Shift key to select a range of end points in the list Ctrl key to select multiple end points in the list. Buttons Button Find/Refresh Add Change Delete Display Displays a list of end points. If you Enter information in the Code and Name fields, the system displays only end points in the list that match the search criteria Do not enter information in the Code and Name fields, the system displays all end points in the list. Opens the End Point Data Entry page. Use this page to add a new end point. Rule: You must enter a code and a name before you click Add. Opens the End Point Data Entry page and displays information for the selected end point. Use this page to change the corporate customers associated with the selected end point. Opens the End Point Delete page and displays the corporate customers associated with the end point. Use this page to delete the selected end point. Opens the ACH Host End Point Report page and displays information for the selected end points. Copyright 2008 by Digital Insight, an Intuit company 47 ACH Endpoint Maintenance

End Point Data Entry Page Fields End Point Data Entry Use this page to add and change end points. This page displays when you click Add or Change on the ACH Host End Points Selection page. Field Name End Point section (not labeled) End Point Code End Point Name The code for the end point. This field is display only. The name for the end point. Enter changes to the name and click Save End Point Changes. Note: The Save End Point Changes button displays only when you click Change on the ACH Host End Points Selection page. Required. Enter up to 25 alphanumeric characters. End Point Customer Codes section (not labeled) Code Name The code for the corporate customer. Enter all or part of the code and click Find to list all active and inactive corporate customers that match the search criteria. Optional. Enter up to 12 alphanumeric characters. The name of the corporate customer. Enter all or part of the name and click Find to list all active and inactive corporate customers that match the search criteria. Optional. Enter up to 40 alphanumeric characters. 48 Copyright 2008 by Digital Insight, an Intuit company ACH Endpoint Maintenance

ACH Endpoint Maintenance Field Name Inactive Customers Active Customers A list of corporate customers available to assign to the selected end point. To move one or more corporate customers to the Active Customers list, select the customers and click >. Use the Shift key to select a range of corporate customers in the list Ctrl key to select multiple corporate customers in the list. A list of corporate customers currently assigned to the selected end point. To move one or more corporate customers to the Inactive Customers list, select the customers and click <. Use the Shift key to select a range of corporate customers in the list Ctrl key to select multiple corporate customers in the list. Buttons Button Save End Point Changes Find Saves the information you changed in the End Point Name field. This button displays only when you click Change on the ACH Host End Points Selection page. Rule: If you enter changes to the End Point Name field, you must click this button to save the changes. Displays a list of all corporate customers who are not currently assigned to the selected end point. > Moves the selected corporate customers from the Inactive Customers list to the Active Customers list. < Moves the selected corporate customers from the Active Customers list to the Inactive Customers list. Copyright 2008 by Digital Insight, an Intuit company 49 ACH Endpoint Maintenance

End Point Delete Page End Point Delete Use this page to delete the selected end point. This page displays when you click Delete on the ACH Host End Points Selection page. You cannot change information on this page. When you delete an end point, the system releases the corporate customers associated with the end point. You can use the End Point Data Entry page to associate the corporate customers with a different end point. Fields Field Name End Point Code End Point Name Active Codes The code for the end point. Maximum 8 numeric characters. The name for the end point. Maximum 25 alphanumeric characters. The corporate customers associated with this end point. Buttons Button Delete Clear Deletes the selected end point from the leadbank. This button is not used for deleting end points. 50 Copyright 2008 by Digital Insight, an Intuit company ACH Endpoint Maintenance

ACH Endpoint Maintenance ACH Host End Point Report Page ACH Host End Point Report Use this page to display information for one or more end points. This page displays when you click Display on the ACH Host End Points Selection page. Fields Field Name Code Name Last Modified Mod Cust:Mod User The code for the end point. The name for the end point. Corporate customers associated with the end point display under the name. The date and time the end point was last changed. The customer code and user ID of the person who last changed the end point. Copyright 2008 by Digital Insight, an Intuit company 51 ACH Endpoint Maintenance

52 Copyright 2008 by Digital Insight, an Intuit company ACH Endpoint Maintenance

6. ACH Company Maintenance About Company Maintenance Use the Company Maintenance service to add and manage the ACH companies for each corporate customer. ACH companies allow you to separate work responsibilities and selectively permit corporate users to specific transaction type codes, which provides an additional level of security for the ACH product. You must add at least one ACH company for every corporate customer that uses the ACH product. ACH Company Examples The following examples describe ways you can set up ACH companies: A corporate customer is divided into multiple work units: Payroll, Tax Payments, and Trade Payments. The users who work with the ACH product differ by work unit. You add three ACH companies for the corporate customer and tailor the ACH company settings and transaction type codes for each work unit. You permit each corporate user who uses the ACH product to an assigned work unit. A corporate customer is divided into two divisions: Harris Enterprises and Harris Consulting. The corporate users who work for Harris Enterprises can work with the ACH product for both companies. The corporate users who work for Harris Consulting can work with ACH information for only Harris Consulting. You add two ACH companies and permit the Harris Enterprises users to both ACH companies and the Harris Consulting users to only the Harris Consulting ACH company. A corporate customer is divided into several regions but one central department is responsible for all ACH activity for the entire company. You add one ACH company for the corporate customer and permit only the corporate users who work with the ACH product to this ACH company. Transaction Type Codes After you add an ACH company, you must use this service to permit transaction type codes for the ACH company. The transaction type codes you enabled for the leadbank in the Transaction Type Maintenance service are available for you to permit to the ACH company. For more information about Transaction type codes, see Chapter 3: Transaction Type Maintenance Setting up transaction type codes, see Transaction Type Setup on page 30. Copyright 2008 by Digital Insight, an Intuit company 53 ACH Company Maintenance

Offset Accounts The Offset Creation Level selected for the transaction type code in the Transaction Types service controls whether the system generates an offset transaction for each Batch Entry or transaction within a batch. After you add an ACH company, if the transaction type code associated with the ACH company requires offset accounts, use the Company Information service to select the permitted offset accounts for the ACH company. The accounts permitted for the corporate customer in the Corporate Accounts Permission service are available for you to assign to the ACH company as offset accounts. When a corporate user adds a batch template and the transaction type code associated with the template requires offset accounts, the user must select an offset account for either each batch or each entry within the batch. When the corporate user activates the batch, the system processes the batch and generates an offset transaction for either the batch or each entry within the batch, depending on the Offset Creation Level selected for the transaction type code. For more information about Transaction type codes, see Chapter 3: Transaction Type Maintenance ACH Company Setup Adding batch templates, see the ACH User Guide Permitting corporate accounts, see the Corporate Account Permissions Service section in the e-commerce Platform Reference Guide. After you use the Company Maintenance service to add an ACH company and select the transaction type codes and offset accounts for the ACH company, you must use the User Permissions service to complete the ACH company setup. Use the User Permissions service to assign one or more ACH companies to each corporate user who uses the ACH product. For each ACH company you assign to a corporate user, you must also Select the transaction types the corporate user can access when working with the ACH company Set the authorization limits for each company and selected transaction type code. For more information, see Chapter 8: User Permissions. Service Information The following information applies to the Company Maintenance service. Availability If your system uses market segmentation, the Company Maintenance service is not available. You must use the Customer Administration service in the e-commerce Platform product to add and manage ACH companies for corporate customers. For more information about 54 Copyright 2008 by Digital Insight, an Intuit company ACH Company Maintenance

ACH Company Maintenance Technology Market segmentation, see Market Segmentation on page 5. The Customer Administration service, see the e-commerce Platform Customer Administration Reference Guide. This is a ColdFusion-enabled service. Audience The Company Maintenance service is available to bank personnel. For a complete list of all ACH services and the audience for each service, see ACH Services on page 10. Default Service Identifiers The following default service identifiers are associated with the Company Maintenance service and reflect the initially-installed values: Service Name: ACH Company Maintenance The service name is the name that the system uses to describe a service. Tab Text: Company Info The tab text is the abbreviated name on the service tab. Service ID: ACHCompany The service ID is the code the system uses to identify the service. Service Group: ACH Admin (tabbed-menu interface only) The service group is the group to which the service belongs. Company Maintenance Pages The Company Maintenance service contains the following pages: Company Information Selection Page Company Information Add Page ACH Company ID Report Page Transaction Types Page Offset Accounts Page Copyright 2008 by Digital Insight, an Intuit company 55 ACH Company Maintenance

Company Information Selection Page Fields Company Information Selection Use this page to add and manage the ACH companies for each corporate customer. From this page you can Add, change, or delete an ACH company Select the transaction type codes for an ACH company Select the offset accounts for an ACH company Display the ACH Company ID report, which lists detailed information for one or more ACH companies. Field Name Customers section (not labeled) Code Name Customers (not labeled) The code for the corporate customer. Enter all or part of the code and click Find to list all corporate customers who match the search criteria. Optional. Enter up to 12 alphanumeric characters. The name for the corporate customer. Enter all or part of the name and click Find to list all corporate customers that match the search criteria. A list of corporate customers for the leadbank. Select a corporate customer in the list to display a list of associated ACH companies in the Company IDs section. Company IDs section (not lebeled) ID Name The identifier for the ACH company. Enter all or part of the code and click Find/Refresh to list all ACH companies that match the search criteria. Optional. Enter up to 10 alphanumeric characters. The name for the ACH company. Enter all or part of the name and click Find/Refresh to list all ACH companies in the list that match the search criteria. Optional. Enter up to 16 alphanumeric characters. 56 Copyright 2008 by Digital Insight, an Intuit company ACH Company Maintenance

ACH Company Maintenance Field Name ACH Companies (not labeled) A list of ACH companies for the selected corporate customer. Select one company in the list to Change ACH company information Delete an ACH company Assign transaction type codes to the ACH company Assign offset accounts to the ACH company. Select one or more companies in the list to include on the ACH Company ID report. Use the Shift key to select a range of companies in the list Ctrl key to select multiple companies in the list. Buttons Button Find Find/Refresh Add Change Delete Display Transaction Types Offset Accts Displays a list of corporate customers. If you Enter information in the Code or Name fields, the system displays only corporate customers in the list that match the criteria you enter Do not enter information in the Code or Name fields, the system displays all corporate customers in the list. Displays a list of ACH companies for the selected corporate customer. If you Enter information in the ID or Name fields, the system displays only ACH companies in the list that match the criteria you enter Do not enter information in the ID or Name fields, the system displays all ACH companies in the list. Opens the Company Information Data Entry page. Use this page to add a new ACH company. Opens the Company Information Data Entry page and displays information for the selected ACH company. Use this page to change information for the selected ACH company. Opens the Company Information Data Entry page and displays information for the selected ACH company. Use this page to delete the selected ACH company. Opens the ACH Company ID Report page. Use this page to display detailed information for one or more ACH companies. Opens the Transaction Type Permissions page and displays the assigned and available transaction type codes for the selected ACH company. Opens the Offset Accounts page and displays the assigned and available offset accounts for the selected ACH company. Copyright 2008 by Digital Insight, an Intuit company 57 ACH Company Maintenance

Company Information Add Page Company Information Add Use this page to Add an ACH company for the selected corporate customer Set the activation and approval overall limits to be applied to all batches activated for the selected ACH company, for the same effective entry date Change information for an ACH company for the selected corporate customer Delete an ACH company from the selected corporate customer. The button you click on the Company Information Selection page controls the information that displays on the Company Information Data Entry page. If you click... Add Change Delete The fields on the Company Information Data Entry page... Display blank, and the Add button displays. Contain information for the selected ACH company, and the Change button displays. Display information for the selected ACH compan,y and the Delete button displays. Fields Cust Code Field Name Company ID The code for the corporate customer. This field is display only. The identifier for the ACH company. If you are Adding an ACH company, you must enter an identifier Required. Enter up to 10 alphanumeric characters. Changing an ACH company, you can change the identifier Deleting an ACH company, this field is display only. 58 Copyright 2008 by Digital Insight, an Intuit company ACH Company Maintenance

ACH Company Maintenance Field Name Company Name Future Date Approval Company Activation Limits The name for the ACH company. If you are Adding an ACH company, you must enter a name. Required. Enter up to 16 alphanumeric characters. Changing an ACH company, you can change the name Deleting an ACH company, this field is display only. A number that controls the number of days in the future that the user can enter when changing the default effective entry date for all batches activated for this ACH company. When a corporate user activates a batch on the Available Batch Templates page, the system uses the number in this field to limit the future date the user can enter in the Effective Entry Date field. Example: The future date for ACH company North Division is 2. On 8/1/ 2004, a corporate user activates a batch for North Division. If the corporate user changes the default effective entry date, the date cannot be later than 8/3/2004. Enter a number from 0 to 365. The default is the value in the Future Date Default field on the ACH Settings page. A list of approval requirements for the ACH company. When a corporate user activates a batch, the approval requirements for the ACH company control whether approval is required to process the batch. The approval requirement options are N for None - no approval required R for Same User Required - the person who activates the batch must also approve the batch A for Same User Allowed - the person who activates the batch, or another person, must approve the batch D for Different User Required - a different person, other than the person who activated the batch, must approve the batch. If you are Adding or changing an ACH company, select an approval requirement. The default is None. Deleting an ACH company, this field does not display. The maximum amount of debits plus credits, in all batches with the same effective entry date, for the ACH company selected, and for all transaction types. If you are Adding an ACH company, you must enter activation limits. Required. Enter up to 13 digits, including the decimal. Changing an ACH company, you can change the limit Deleting an ACH company, this field is display only. Copyright 2008 by Digital Insight, an Intuit company 59 ACH Company Maintenance

Field Name Company Approval Limits The total approved amount of debits plus credits, in all batches with the same effective entry date, for the ACH company selected, and for all transaction types. If you are Adding an ACH company, you must enter approval limits. Required. Enter up to 13 digits, including the decimal. Changing an ACH company, you can change the limit Deleting an ACH company, this field is display only. Buttons Button Add Change Clear Delete Saves the new ACH company. This button displays only when you click Add on the Company Information Selection page. Saves your changes. This button displays only when you click Change on the Company Information Selection page. Restores the information in all fields to the last-saved values. Deletes the ACH company. This button displays only when you click Delete on the Company Information Selection page. ACH Company ID Report Page Fields ACH Company ID Report Use this page to display detailed information for one or more ACH companies. This page displays when you select one or more ACH companies and click Display on the Company Information Selection page. You cannot change information on this page. Field Name Cust Code Company ID Company Name The code for the corporate customer. The identifier for the ACH company. The name for the ACH company. 60 Copyright 2008 by Digital Insight, an Intuit company ACH Company Maintenance

ACH Company Maintenance Field Name Date Limit Approval Last Modified The future date setting for the ACH company. This setting limits how far in the future the corporate user can set the effective entry date for a batch. The approval requirement for the ACH company. The customer ID and user ID of the person who last changed the ACH company. This field also displays the date and time the ACH company was last changed. Transaction Types Page Transaction Types Use this page to assign transaction type codes to an ACH company. This page displays when you select an ACH company and click Transaction Types on the Company Information Selection page. Available Transaction Type Codes You can assign one or more of the transaction type codes associated with the leadbank to an ACH company using the Transaction Type Permissions page. After you assign transaction type codes to an ACH company, use the Permissions service to select the ACH companies a corporate user can access. Then, for each permitted ACH company, select the transaction type codes the corporate user can access. The transaction type codes you assign to the ACH company on the Transaction Type Permissions page are the transaction type codes you can assign to the corporate user in the Permissions service. For more information about the Copyright 2008 by Digital Insight, an Intuit company 61 ACH Company Maintenance

Transaction Types service and transaction type codes, see Chapter 3: Transaction Type Maintenance Permissions service, see Chapter 8: User Permissions. Fields Field Name Available Types Assigned Types Transaction Type (not labeled) A list of transaction type codes available to the ACH company for assignment. To move one or more transaction type codes to the Assigned Types list, select the transaction type codes and click >. Use the Shift key to select a range of transaction type codes in the list Ctrl key to select multiple transaction type codes in the list. A list of transaction type codes currently assigned to the ACH company. To move one or more transaction type codes to the Available Types list, select the transaction type codes and click <. Use the Shift key to select a range of transaction type codes in the list Ctrl key to select multiple transaction type codes in the list. The type of transaction for which you are assigning permissions. To verify you are permitting the appropriate transaction types to the ACH company. If your system uses both short names and long names defined using the Transaction Types service, they display on this page above the Available Types box. Buttons Button > Moves the selected transaction type codes from the Available Types list to the Assigned Types list. < Moves the selected transaction type codes from the Assigned Types list to the Available Types list. 62 Copyright 2008 by Digital Insight, an Intuit company ACH Company Maintenance

ACH Company Maintenance Offset Accounts Page Offset Accounts Use this page to assign offset accounts to an ACH company. This page displays when you select an ACH company and click Offset Accts on the Company Information Selection page. Available Offset Accounts Fields You assign offset accounts to the corporate customer on the Corporate Accounts Permissions page in the e-commerce Platform product. For more information about assigning accounts to a corporate customer, see the e-commerce Platform Reference Guide. Note: The ACH product allows the bank to define offset accounts if needed. When balanced files are not allowed because of bank or customer requirements, no offset accounts are assigned. Field Name Available Accounts Assigned Accounts A list of offset accounts available to the ACH company for assignment. To move one or more accounts to the Assigned Accounts list, select the accounts and click >. Use the Shift key to select a range of accounts in the list Ctrl key to select multiple accounts in the list. A list of offset accounts assigned to the ACH company. To move one or more accounts to the Available Accounts list, select the accounts and click <. Use the Shift key to select a range of accounts in the list Ctrl key to select multiple accounts in the list. Copyright 2008 by Digital Insight, an Intuit company 63 ACH Company Maintenance

Buttons Button > Moves the selected offset accounts from the Available Accounts list to the Assigned Accounts list. < Moves the selected offset accounts from the Assigned Accounts list to the Available Accounts list. 64 Copyright 2008 by Digital Insight, an Intuit company ACH Company Maintenance

7. ACH Customer File Name Maintenance About Customer File Name Maintenance Use the File Name Maintenance service to add a unique file name that the system uses to name ACH files. You can define one file name for each corporate customer. Customer file names are an optional feature in the ACH product. If you choose not to use customer file names, the system uses the default naming format for ACH files. Default File Naming Format ACH Settings Default file names use the [customer code]_[file type]jjjsssss format, where: [customer code] is the code for the corporate customer _ is an underscore [file type] is either A for a normal cutoff file or P for a pass-through file jjj is the Julian date sssss is a unique sequence number If you use the File Name Maintenance service to add file names for the ACH product, you must select Separate Customer Files as the ACH file format on the ACH Settings page. For more information see the ACH Settings Page on page 21. Service Information The following information applies to the File Name Maintenance service. Technology This is a ColdFusion-enabled service. Audience The File Name Maintenance service is available to bank personnel. For a complete list of all ACH services and the audience for each service, see ACH Services on page 10. Default Service Identifiers The following default service identifiers are associated with the File Name Maintenance service and reflect the initially-installed values: Service Name: File Name Maintenance The service name is the name that the system uses to describe a service. Copyright 2008 by Digital Insight, an Intuit company 65 ACH Customer File Name Maintenance

Tab Text: Customer Filename The tab text is the abbreviated name on the service tab. Service ID: ACHFileNames The service ID is the code the system uses to identify the service. Service Group: ACH Admin (tabbed-menu interface only) The service group is the group to which the service belongs. See Menu Interfaces on page 17. Customer Filename Pages The Customer Filename service contains the following pages: Customer Selection Page File Name Parameters Page File Name Report Page Customer Selection Page Fields Customer Selection Use this page to add and manage customer file names. Field Name Customers section (not labeled) Code Name The code for the corporate customer. Enter all or part of the code and click Find/Refresh to list all corporate customers who match the search criteria. Optional. Enter up to 12 alphanumeric characters. The name for the corporate customer. Enter all or part of the name and click Find/Refresh to list all corporate customers that match the search criteria. 66 Copyright 2008 by Digital Insight, an Intuit company ACH Customer File Name Maintenance

ACH Customer File Name Maintenance Field Name Customers (not labeled) A list of corporate customers for the leadbank. To add or change a customer file name, select one corporate customer in the list and click Process. To display the File Name report, select one or more corporate customers in the list and click Display. Use the Shift key to select a range of corporate customers in the list Ctrl key to select multiple corporate customers in the list. Buttons Button Find/Refresh Process Display Displays a list of corporate customers. If you Enter information in the Code and Name fields, the system displays only corporate customers in the list that match the search criteria Do not enter information in the Code and Name fields, the system displays all corporate customers in the list. Opens the File Name Parameters page and displays file name information for the selected corporate customer. Use this page to add, change, or delete the file name for a corporate customer. Opens the File Name Report page and displays the current file name information for the selected corporate customers. File Name Parameters Page Fields File Name Parameters Use this page to add, change, or delete the file name for a corporate customer. This page displays when you select a corporate customer and click Process on the Customer Selection page. File Name Field Name The file name for the corporate customer. Optional. Enter a file name of up to 17 alphanumeric characters. Copyright 2008 by Digital Insight, an Intuit company 67 ACH Customer File Name Maintenance

If Exists Delete Field Name An option that indicates whether you want the system to delete the selected customer file name. When you delete the file name for a corporate customer, the system uses the default file naming format to name the customer s ACH files. See Default File Naming Format on page 65. Select the check box and click Submit Changes to delete the customer file name. An option that indicates whether you want the system to delete the selected customer file name. When you delete the file name for a corporate customer, the system uses the default file naming format to name the customer s ACH files. See Default File Naming Format on page 65. Select the check box and click Submit Changes to delete the customer file name. Buttons Button Submit Changes Clear Saves the new or changed information. Restores the information in all fields to the last-saved values. File Name Report Page Fields File Name Report Use this page to display file name information for one or more corporate customers. This page displays when you click Display on the Customer Selection page. You cannot change information on this page. Customer Field Name The code and name for the corporate customer. 68 Copyright 2008 by Digital Insight, an Intuit company ACH Customer File Name Maintenance

ACH Customer File Name Maintenance Field Name File Name If Exists Last Modified The file name for the corporate customer. Use Default displays in this field if a file name is not assigned to the corporate customer. The selected method for handling duplicate file names. The customer code and user ID of the person who last changed the file name information. This field also displays the date and time the file name information was last changed. Buttons Button Submit Changes Clear Saves the new or changed information. Restores the information in all fields to the last-saved values. Copyright 2008 by Digital Insight, an Intuit company 69 ACH Customer File Name Maintenance

70 Copyright 2008 by Digital Insight, an Intuit company ACH Customer File Name Maintenance

8. ACH User Permissions About User Permissions Use the User Permissions service to add and manage the permissions for the corporate personnel who use the ACH product. These settings control the ACH companies that a corporate customer can access Transaction type codes that a corporate customer can access for each ACH company Limits for each transaction type code. Bank personnel can set the ACH permissions for corporate administrators. Then, corporate administrators can set the ACH permissions for each corporate user. Service Information The following information applies to the User Permissions Maintenance service. Availability If your system uses market segmentation, the User Permissions service is not available. You must use the Customer Administration service in the e-commerce Platform product to add and manage the permissions for corporate personnel. See Also Technology Market Segmentation on page 5 e-commerce Platform Customer Administration Reference Guide. This is a ColdFusion-enabled service. Audience The User Permissions service is available to bank personnel. For a complete list of all ACH services and the audience for each service, see ACH Services on page 10. Default Service Identifiers The following default service identifiers are associated with the File Name Maintenance service and reflect the initially-installed values: Service Name: ACH User Permissions The service name is the name that the system uses to describe a service. Copyright 2008 by Digital Insight, an Intuit company 71 ACH User Permissions

Tab Text: Permissions The tab text is the abbreviated name on the service tab. Service ID: ACHUserPerm The service ID is the code the system uses to identify the service. Service Group: ACH Admin (tabbed-menu interface only) The service group is the group to which the service belongs. See Menu Interfaces on page 17. User Permissions Pages The Permissions service contains the following pages: Permissions Selection page, which you use to permit corporate customers to one or more ACH companies. ACH Customer Settings page, which you use to set the Corporate customer (user) level approval requirements for ACH pass-thru files Activation and approval limits at the corporate customer-level or ACH company-level Customer-level overall limits. User Overall Limits page, which you use to set overall limits for corporate users associated with the selected corporate customer. This page is available to bank personnel and corporate administrators. ACH User Settings page, which set the type of imports that ACH users can process Transaction Type Permissions page, which you use to permit transaction type codes to the selected corporate user. Authorization Limits page, which you use to set the batch maintenance, activation, and approval limits for the selected corporate user s transaction type codes. 72 Copyright 2008 by Digital Insight, an Intuit company ACH User Permissions

ACH User Permissions Permissions Selection Page User Permissions Selection Company Permissions Selection Bank personnel use the Permissions Selection page to permit corporate customers to one or more ACH companies. Bank personnel and corporate administrators use the Company Permissions Selection section to permit corporate users associated with the selected corporate customer to one or more ACH companies. Fields Field Name Customers section (not labeled) Copyright 2008 by Digital Insight, an Intuit company 73 ACH User Permissions

Field Name Code Name Customers (not labeled) The code for the corporate customer. Enter all or part of the code and click Find to list all corporate customers that match the search criteria. Note: This field displays only when bank personnel access this page. Optional. Enter up to 12 alphanumeric characters. The name for the corporate customer. Enter all or part of the name and click Find to list all corporate customers that match the search criteria. Note: This field displays only when bank personnel access this page. Optional. Enter up to 40 alphanumeric characters. The name for the corporate customer. Enter all or part of the name and click Find to list all corporate customers that match the search criteria. Note: This field displays only when bank personnel access this page. Optional. Enter up to 40 alphanumeric characters. Users section (not labeled) Users (not labeled) A list of users associated with the corporate customer. Select a user from the list to display lists of available and assigned ACH companies for the user in the ACH Company Permissions section. Template Approval Options section Template Approval Options A list of options for approval of ACH templates. Select an option from the list. Options are: None Same User Allowed Same User Required Different User Required ACH Company Permissions section (not labeled) Available Companies A list of ACH companies available to the selected user for assignment. These are the ACH companies the user is not permitted to access for ACH activity. To move one or more ACH companies to the Assigned Companies list, select the companies and click >. Use the Shift key to select a range of ACH companies Ctrl key to select multiple ACH companies in the list. 74 Copyright 2008 by Digital Insight, an Intuit company ACH User Permissions

ACH User Permissions Field Name Assigned Companies A list of ACH companies currently assigned to the selected user. These are the ACH companies the user is permitted to access for ACH activity. To move one or more ACH companies to the Available Companies list, select the companies and click <. Use the Shift key to select a range of ACH companies Ctrl key to select multiple ACH companies in the list. Buttons Button Find Submit Cancel User Overall Limits Transaction Types Displays a list of corporate customers for the leadbank. If you Enter information in the Code and Name fields, the system displays only corporate customers in the list that match the search criteria Do not enter information in the Code and Name fields, the system displays all corporate customers in the list. Saves your template approval options to the database. Cancels your template approval options without saving them to the database. Displays the ACH User Overall Limits page Opens the Transaction Type Permissions page and displays the selected user s transaction type code permissions for the ACH company. > Moves the selected ACH companies from the Available Companies list to the Assigned Companies list. < Moves the selected ACH companies from the Assigned Companies list to the Available Companies list. Copyright 2008 by Digital Insight, an Intuit company 75 ACH User Permissions

ACH Customer Settings Page Customer Settings Page Use this page to set Corporate customer (user) level approval requirements for ACH pass-thru files Activation and approval limits at the corporate customer-level or ACH company-level Customer-level overall limits. These settings limit the total amount of debits and credits that affect customer accounts for a specific effective entry date, regardless of transaction type. For corporate users (customers), this sum cannot exceed the Customer Overall Limits, regardless of the transaction types or ACH companies included. All debits and credits activated and approved for corporate users within the same corporate customer code, for the same EED, cannot exceed the limits set using this page. The system checks the customer and corporate user overall activation limits as each batch is activated to determine if they have exceeded the limit for that EED. Similarly, the system checks the customer and corporate user overall approval limits as each batch is approved. Batch activation and batch approval services check corporate user limits per transaction type within a customer for the EED, for individual entry amounts and total batch amounts. The system also checks the total batch amount against the customer overall limit for the EED and the corporate user overall limit for the EED. Overall limits must be set in the ACH User Permissions service for corporate administrators and corporate users. User limits set in the ACH Company Maintenance and Transaction Type Maintenance services have no dependency on these overall limits. If the overall limits are set lower than the existing user limits by transaction type, no error messages are displayed. Similarly, you can set user overall limits lower or higher than the customer overall limits without the system displaying error messages. This page displays when you click Customer ACH Settings - Bank Only on the Permissions Selection page. You must set the user overall limits lower than the customer overall limits. 76 Copyright 2008 by Digital Insight, an Intuit company ACH User Permissions

ACH User Permissions Fields Field Name Customer Group Header (not labeled) The customer group code and customer name selected on the Permissions - User Selection page for which you want to manage limits. This field is display only. Set Customer Level Approval Requirements for ACH Pass-Thru Files Section Customer Level Approval Requirements for Pass-Thru Files The level of approval used if approval is required for pass-thru files. This field displays if the setting Require Approval for Pass-Thru Files on the ACH Settings page is set to Yes. Select the level of approval for pass-thru files: None Same User Allowed Same User Required Different User Required Set Customer Level Limits for ACH section Apply Limits To Customer Level Overall Limits - Batch Activation $ Limit/Batch Customer Level Overall Limits - Batch Approval $ Limit/Batch The level for which you want to set limits. To set ACH customer overall limits, select one of the following: Customer Level to apply limits at the customer level ACH Company Level to apply limits at the ACH company level. The total activated amount of debits plus credits, in all batches with the same effective entry date, for all users, for all companies and all transaction types. Enter a maximum of 13 digits (including the decimal point) to indicate the maximum limit for all users and transaction types combined during batch activation. The total approved amount of debits plus credits, in all batches with the same effective entry date, for all users, for all companies and all transaction types. Enter a maximum of 13 digits (including the decimal point) to indicate the maximum limit for all users and transaction types combined during batch approval. Buttons Button Submit Clears the page of entries. Copyright 2008 by Digital Insight, an Intuit company 77 ACH User Permissions

Button Clear Results in saving the values entered and displaying a confirmation message. User Overall Limits Page ACH User Overall Limits Bank personnel and corporate administrators use this page to set the overall activation limit to be applied to all batches activated by the selected user, for the same effective entry date. The overall approval limits are applied to all batches approved for the same EED. These settings limit the total amount of debits and credits that affect customer accounts for a specific day, regardless of transaction type. The system checks the customer and corporate user overall activation limits as each batch is activated to determine if they have exceeded the overall activation limits for that EED. Similarly, the system checks the customer and corporate user overall approval limits as each batch is approved. Batch activation and batch approval services check corporate user limits per transaction type within a customer for the EED, for individual entry amounts, and total batch amounts. The system also checks the total batch amount against the corporate user overall limit for the EED and the customer overall limit for the EED. This page displays when you click User Overall Limits on the Permissions Selection page. You should set the user overall limits equal to or lower than the customer overall limits. Fields Field Name Customer and User Group Header (not labeled) The customer group code, customer name, user code, and user name selected on the Permissions - User Selection page for which you want to manage limits. This field is display only. 78 Copyright 2008 by Digital Insight, an Intuit company ACH User Permissions

ACH User Permissions Field Name Limit for All Companies and Transaction Types Combined for Batch Activation $ Limit/Batch Limit for All Users and Transaction Types Combined for Batch Approval $ Limit/Batch Maximum Limit for Batch Activation Maximum Limit for Batch Approval Customer Overall Limit - Batch Activation Customer Overall Limit -Batch Approval The total activated amount of debits plus credits, in all batches with the same effective entry date, for the user selected for all companies and transaction types. Enter a maximum of 13 digits (including the decimal point) to indicate the maximum limit for the user selected and all transaction types combined during batch activation. The total approval amount of debits plus credits, in all batches with the same effective entry date, for all users, for all companies and transaction types. Enter a maximum of 13 digits (including the decimal point) to indicate the maximum limit for the user selected and all transaction types combined during batch approval. The maximum limit for batch activation. This field is display only. The maximum limit for batch approval. This field is display only. The maximum limit for batch activation for the customer. Enter a maximum 13 digits (including the decimal point) to indicate the maximum limit for the customer selected and all transaction types combined during batch activation. This field displays only when the setting in the Apply Limits To field on the Customer Overall Limits page is Customer Level for the selected customer. Bank personnel set the customer overall limit for batch activation. User overall limits cannot exceed customer overall limits. The maximum limit for batch approval for the customer. Enter a maximum 13 digits (including the decimal point) to indicate the maximum limit for the customer selected and all transaction types combined during batch approval. This field displays only when the setting in the Apply Limits To field on the Customer Overall Limits page is Customer Level for the selected customer. Bank personnel set the customer overall limit for batch approval. User overall limits cannot exceed customer overall limits. Buttons Button Submit Clear Cancel Results in saving the values entered and displaying a confirmation message. Clears the page of entries. Closes the User Overall Limits page and returns you to the Company Permissions Selection page. Copyright 2008 by Digital Insight, an Intuit company 79 ACH User Permissions

ACH User Settings Field Buttons ACH User Settings Bank personnel and corporate administrators use this page to set the type of imports that ACH users can process. This page displays when you click ACH User Settings on the Permissions Selection page. There is one field on this page, Import Type, and the options are: Repetitive Only Non-Repetitive Only Non-Repetitive and Repetitive (Both) Button Submit Cancel Results in saving the values entered and displaying a confirmation message. Closes the ACH User Settings page and returns you to the Permissions Selection page. Transaction Type Permissions Page Transaction Type Permissions Use this page to permit the selected user to one or more transaction type codes for the ACH company. You can also use this page to access the Transaction Type Authorization 80 Copyright 2008 by Digital Insight, an Intuit company ACH User Permissions

ACH User Permissions Fields Limits page, which you use to set the batch maintenance, activation, and approval limits for each permitted transaction type code. This page displays when you click Transaction Types on the Permissions Selection page. Field Name Available Transaction Types Assigned Transaction Types A list of short names and descriptive long names for the transaction types available to the selected user and ACH company for assignment. To move one or more transaction type codes to the Assigned Transaction Types list, select the code and click >. Use the Shift key to select a range of codes in the list Ctrl key to select multiple codes in the list. A list of short names and descriptive long names for the transaction types currently assigned to the selected user and ACH company. To move one or more transaction type codes to the Available Transaction Types list, select the code and click <. Use the Shift key to select a range of codes in the list Ctrl key to select multiple codes in the list. Buttons Button Authorization Limits Opens the Transaction Type Authorization Limits page and displays limit information for one or more transaction type codes. > Moves the selected transaction type codes from the Available Transaction Types list to the Assigned Transaction Types list. < Moves the selected transaction type codes from the Assigned Transaction Types list to the Available Transaction Types list. Choose Company ID Opens the Permissions Selection page. This page allows you to Select a different ACH company and permit the selected user to transaction type codes Add or remove the selected user s permissions to ACH companies Select a different user Select a different corporate customer (available to bank personnel only). Copyright 2008 by Digital Insight, an Intuit company 81 ACH User Permissions

Authorization Limits Page ACH Limits Limits Authorization Limits Use this page to set the batch maintenance, activation, and approval limits for the selected corporate user s transaction type codes. For each transaction type code, you must specify the maximum amount the user can Manage (add, change, or delete) for a single entry in a batch and for the entire batch Activate for a single entry in a batch and for all batches per day Approve for a single entry in a batch and for all batches per day. This page displays when you click Authorization Limits on the Transaction Type Permissions page. Carefully consider the following information when you set the transaction type code limits for corporate administrators (administrators) and corporate users (users), or when you set your own limits. ACH Limit Types For the ACH product, there are three types of limits for each transaction type code. Each limit type contains an item (entry) limit and a batch limit. These limits work differently depending on the limit type. Maintenance - The maintenance item limit and batch limit control the maximum amount a user can add, change, or delete for An item (entry) within a batch A batch. The maintenance limits control user limits when they use the Batches service and the Participants service. For more information, see the ACH User Guide. Activation - The activation item and batch limits control the maximum amount a user can activate for 82 Copyright 2008 by Digital Insight, an Intuit company ACH User Permissions

ACH User Permissions An item (entry) within a batch All batches per day (cumulative limit). The activation limits control user limits when they use the ACH Batch Activation service. For more information, see the ACH User Guide and online help. Approval - The approval item and batch limits control the maximum amount a user can approve for An item (entry) within a batch All batches per day (cumulative limit). The approval limits control user limits when they use the ACH Batch Approval service. Cumulative Limits The activation batch limit and the approval batch limit are cumulative, daily limits. When a user activates or approves a batch, the system Verifies that the batch amount (total amount for all entries within the batch) does not exceed the user batch limit for the transaction type code Adds the batch amount to the user accumulated activation or approval total to verify that the batch amount does not exceed the daily batch limit Increases the user accumulated activation or approval total by the batch amount. When the user accumulated total reaches the batch limit, the user receives an error message and cannot activate or approve any additional batches until the next day. The system clears users' accumulated totals at the end of the day, when the system date changes. Limit Fields There are two fields for each limit type on the Transaction Type Authorization Limits page: Current Limit - This field contains the current limit in effect for the user, displays above the User Limit Maximum field, and is an enterable field. User Limit Maximum - This field displays the maximum limit currently available to the user, displays below the Current Limit field, and is display only. These fields usually contain the same amount. However, these fields can contain different amounts when the limit is changed. Changing Limits When bank personnel change transaction type code limits for an administrator or a user, the new limit is not always immediately available. When bank personnel Decrease a limit, the system displays the new limit in the Current Limit and User Limit Maximum fields. The new limit is immediately in effect. Increase a limit, the system displays the new limit in the User Limit Maximum field but does not change the limit in the Current Limit field. The corporate Copyright 2008 by Digital Insight, an Intuit company 83 ACH User Permissions

Fields administrator must access the Transaction Type Authorization Limits page and increase the limit. When a corporate administrator changes the transaction type code limits for a user, the changes are immediately available in the Current Limit and User Limit Maximum fields. Field Name Header section (not labeled) ACH Company (not labeled) User ID (not labeled) The name for the ACH company. This field is display only. The identifier for the user. This field is display only. Transaction Type section Customer Overall Limit Company Overall Limit Transaction Type The maximum limit for batch maintenance, activation, and approval for the customer. Enter a maximum 13 digits (including the decimal point) to indicate the maximum amount for batch maintenance, activation, and approval for the customer selected and all transaction types. This field displays only when the setting in the Apply Limits To field on the Customer Overall Limits page is Customer Level for the selected customer. Bank personnel set the customer overall limit for batch maintenance, activation, and approval. User overall limits cannot exceed customer overall limits. The maximum limit for batch maintenance, activation, and approval for the ACH company. Enter a maximum 13 digits (including the decimal point) to indicate the maximum amount for batch maintenance, activation, and approval for the company selected and all transaction types. This field displays only when the setting in the Apply Limits To field on the Customer Overall Limits page is Company Level for the selected customer. Bank personnel set the customer overall limit for batch maintenance, activation, and approval. Individual transaction type limits cannot exceed company overall limits. A list of short names and descriptive long names for transaction types for the selected user and ACH company. This field is display only. Use the Transaction Type Permissions page to select additional transaction type codes for the user. See also Transaction Type Permissions Page on page 80. Batch Maintenance section 84 Copyright 2008 by Digital Insight, an Intuit company ACH User Permissions

ACH User Permissions Field Name $ Limit/Item The current item limit for batch maintenance. The field on top displays the current limit and the field on the bottom displays the limit maximum for the user. See Limit Fields on page 83. Enter the current item limit. The Limit Maximum field displays the maximum amount you can enter in this field. $ Limit/Batch The current batch limit for batch maintenance. The field on top displays the current limit and the field on the bottom displays the limit maximum for the user. See Limit Fields on page 83. Enter the current batch limit. The Limit Maximum field displays the maximum amount you can enter in this field. Batch Activation section $ Limit/Item The current item limit for activation. The field on top displays the current limit and the field on the bottom displays the limit maximum for the user. See Limit Fields on page 83. Enter the current item limit. The Limit Maximum field displays the maximum amount you can enter in this field. $ Limit/Batch The current daily batch limit for activation. The field on top displays the current limit and the field on the bottom displays the limit maximum for the user. See Limit Fields on page 83. Enter the current batch limit. The Limit Maximum field displays the maximum amount you can enter in this field. Batch Approval section $ Limit/Item The current item limit for activation. The field on top displays the current limit and the field on the bottom displays the limit maximum for the user. See Limit Fields on page 83. Enter the current item limit. The Limit Maximum field displays the maximum amount you can enter in this field. $ Limit/Batch The current daily batch limit for approval. The field on top displays the current limit and the field on the bottom displays the limit maximum for the user. See Limit Fields on page 83. Enter the current batch limit. The Limit Maximum field displays the maximum amount you can enter in this field. Buttons Button Submit Reset Saves your changes. Restores the information in all fields to the last-saved values. Copyright 2008 by Digital Insight, an Intuit company 85 ACH User Permissions

Button Choose Company ID Opens the Permissions Selection page. This page allows you to Select a different ACH company and permit the selected user to transaction type codes Add or remove the selected user s permissions to ACH companies Select a different user Select a different corporate customer (available to bank personnel only). 86 Copyright 2008 by Digital Insight, an Intuit company ACH User Permissions

9. ACH Map Definition About Map Definition Use the ACH Map Definition service to define the ACH maps you want the system to use when you import files into the ACH product. An ACH import map is a set of instructions that defines the format of the import file and how the import file functions. When you import a file into the ACH product, you must select the associated map. ACH Import Map Formats The ACH product supports the following ACH import map formats: Standard NACHA Formats Delimited Format Fixed Format Standard NACHA Formats Two standard NACHA maps are delivered with the ACH product: Standard NACHA map NACHA-Zero map with zeroes in all amount fields Import files that use these maps must be in NACHA format and must contain the record formats that the ACH product supports. For more information about these file formats, see Appendix B: ACH File Formats. When you import a standard NACHA file, the system uses the information from the following records to build batch templates: Batch header (5 record) Entry detail (6 record) Addenda (7 record) The system ignores all other records in the standard NACHA import file. Note: You cannot use the ACH Map Definition service to add, change, delete, or display information for the delivered standard NACHA import maps. Delimited Format The fields in each record of the import file are separated by a delimiter, such as a comma or semi-colon. A delimited map instructs the system how to map the fields in an import file to add, change, or delete entries in a single batch template. The person who builds the delimited file determines the order of the fields in each record and the delimiter to use. Copyright 2008 by Digital Insight, an Intuit company 87 ACH Map Definition

Example: The following fields are used in a comma-separated payroll file with the end of each record indicated by a new line (carriage return line feed): 1. ID Number: 585-66-9898 2. Name: John Doe 3. Account Number: 898565232 4. Amount: $2,388.62 5. ABA Number: 104000045 6. Transaction Type: 22 for live credit and 32 for credit prenote 5-66-9898, John Doe, 898565232, 238862, 104000045, 22 Note: You must use the Batch Maintenance service to add the template before you import a delimited file using that template. For more information about adding batch templates see the ACH User Guide. Fixed Format The fields in each record of a fixed format import file always start in the same position and are the same length. The person who builds the fixed file determines the position of each field on each record. Example: The following fields are used in a fixed format payroll file with a record length of 61 characters, taking into consideration the carriage return line feed at the end of each line: 1. ID Number always starts in position 1 and is always 11 characters 2. Name starts in position 13 and is 12 characters 3. Account Number starts in position 27 and is 11 characters 4. Amount starts in position 41 and is 9 characters 5. ABA Number starts in position 48 and is 9 characters 6. Transaction Type starts in position 58 and is 2 characters 585-66-9898 John Doe 898565232 238862 104000045 22 Note: You must use the Batch Maintenance service to add the template before you import a fixed file. For more information about adding batch templates see the ACH User Guide. New in Import Map Definition This release of the ACH product includes Modifications to page titles, explanation phrases, messages, icons, and buttons for consistency and clarity Ability for banks to create import maps for specific customers Ability to match on the Transaction Code field Ability to have duplicate participants in a single batch. 88 Copyright 2008 by Digital Insight, an Intuit company ACH Map Definition

ACH Map Definition Service Information The following information applies to the Map Definition service. Technology This is a ColdFusion-enabled service. Audience The Map Definition service is available to bank personnel and corporate personnel. For a complete list of all ACH services and the audience for each service, ACH Services on page 10. Default Service Identifiers The following default service identifiers are associated with the Map Definition service and reflect the initially-installed values: Map Definition Pages Service Name: ACH Map Definition The service name is the name that the system uses to describe a service. Tab Text: ACH Map Definition The tab text is the abbreviated name on the service tab. Service ID: ACHMapDef The service ID is the code the system uses to identify the service. Service Group: ACH Admin (tabbed-menu interface only) The service group is the group to which the service belongs. See Menu Interfaces on page 17. The Map Definition service contains the following pages: Import Maps Page Add a Map (Delimited) Page Add a Map (Fixed) Page Edit Map Page Delete Map Page Map Detail Page Copyright 2008 by Digital Insight, an Intuit company 89 ACH Map Definition

Import Maps Page Import Maps Corporate administrators and bank personnel use this page to add and manage import map files. The map selection list displays existing maps for the associated customer code. From this page you can Use filter options for map code, name, and format to specify the maps you want to work with Display a list of all available maps Edit a delimited or fixed map Delete a delimited or fixed map Display detailed information for a delimited or fixed map. Note: You cannot add, change, delete, or display information for the delivered standard NACHA maps. Duplicate Transactions Rules The system allows you to import duplicate transactions in the same ACH batch. For each transaction entry with the same participant ID in an ACH file, the system adds an entry for each occurrence. If an ACH file contains duplicate transactions, and you are updating entries for an existing batch, we suggest you use multiple matching criteria to ensure you are updating the correct entry. For example, in a payroll import file, you can create a map that matches on the Participant ID and the Transaction Code. This way, the import file can contain a transaction entry for a participant to credit his checking account and a separate transaction entry to credit his savings account. For partial files, the import process allows you to have duplicate transactions according to the following rules: 90 Copyright 2008 by Digital Insight, an Intuit company ACH Map Definition

ACH Map Definition Matching is based on the fields selected in the Match column of the import map used. Only the update process is allowed; add and delete processes are not allowed. Fields All matching records in the database are updated. For non-partial files, the import process allows you to have duplicate transactions according to the following rules: Add, update and delete processes are allowed. Matching for the update and delete processes are based on several fields including the Customer Code, Company ID, Batch Code and Participant ID. For the update process, all matching records in the database are updated. Only the first record found in the database is updated with the matching record in the imported file. After all records from the import file are updated in the database, where possible, any remaining import records are flagged with an error message saying that no record was found to update in the database. All unmatched records in the database are deleted. The delete process takes place before the update process when the process mode is Update and Delete. Field Name Search for maps section (not labeled) Filter by Map Code Filter by Map Name Filter by Map Format The map code associated with the display of import maps. Enter a maximum of 12-alphanumeric characters for the map code associated with the import maps you want to display. The system filters the displayed map list by the first character of the map code. The map name associated with the display of import maps. Enter a maximum of 40-alphanumeric characters for the map name associated with the import maps you want to display. The system filters the displayed map list by the first character of the map name. A list of import map formats. Select the import map format from the list to display maps of that format only. Options are: All to display all map formats in the list Delimited to display only delimited map formats in the list Fixed to display only fixed map formats in the list Standard to display the two NACHA maps delivered with the ACH product. Results section Customer and Customer Name Code/Map Unique identifier and name for the customer associated with an import map. This field is display only. Alphanumeric identifier for an import map defined using the Add a Map page. This field is display only. Copyright 2008 by Digital Insight, an Intuit company 91 ACH Map Definition

Field Name Name Format Import Type Alphanumeric name for an import map defined using the Add a Map page. This field is display only. Import map format associated with this map. This field is display only. Options are: Delimited - Add and Update and Delete Fixed - Add and Update and Delete Standard - Add Only The type of import for the map This field is display only. Options are: Repetitive Only Non-Repetitive Only Non-Repetitive and Repetitive (Both) Buttons Button Search Add a Delimited Map Add a Fixed Map Details Edit Delete Displays in the Results section import maps that meet your criteria Displays the Add a Map page for you to define a delimited format import map Displays the Add a Map page for you to define a fixed format import map Displays in the Results section import maps that meet your criteria Displays the Edit Map page with information for the import map selected. This button does not display for the standard maps released with the ACH product. Displays the Delete Map page with display-only fields for you to confirm before you delete. This button does not display for the standard maps released with the ACH product. 92 Copyright 2008 by Digital Insight, an Intuit company ACH Map Definition

ACH Map Definition Add a Map (Delimited) Page Add a Map (Delimited) Use this page to Define the positions of the fields for an import map you are adding or changing Select the criteria for importing files into a batch using this type of map. When you select this service, the system displays all existing import maps for your customer code. Because you can match on the Transaction Code and permit duplicate transactions, you can create maps that allow the same Participant ID with multiple account types. Duplicate Transactions The system allows you to import duplicate transactions in the same ACH batch. For each transaction entry with the same participant ID in an ACH file, the system adds an entry for each occurrence. If an ACH file contains duplicate transactions, and you are updating Copyright 2008 by Digital Insight, an Intuit company 93 ACH Map Definition

Rules entries for an existing batch, we suggest you use multiple matching criteria to ensure you are updating the correct entry. For example, in a payroll import file, you can create a map that matches on the Participant ID and the Transaction Code. This way, the import file can contain a transaction entry for a participant to credit his checking account and a separate transaction entry to credit his savings account. For partial files, the import process allows you to have duplicate transactions according to the following rules: Matching is based on the fields selected in the Match column of the import map used. Only the update process is allowed; add and delete processes are not allowed. All matching records in the database are updated. For non-partial files, the import process allows you to have duplicate transactions according to the following rules: Add, update and delete processes are allowed. Matching for the update and delete processes are based on several fields including the Customer Code, Company ID, Batch Code and Participant ID. For the update process, all matching records in the database are updated. Only the first record found in the database is updated with the matching record in the imported file. After all records from the import file are updated in the database, where possible, any remaining import records are flagged with an error message saying that no record was found to update in the database. All unmatched records in the database are deleted. The delete process takes place before the update process when the process mode is Update and Delete. Fields Field Name Import File Map Definition Delimited File Map section Map Code Skip First Header Record Map Name Unique identifier for the delimited format import map file. Enter a unique maximum 12-alphanumeric character map code. Option that indicates whether you want the system to skip and ignore the first header record on import files that use this map. Select this option if the import file contains header information in the first record. Unique name for the delimited format import map file. Enter a unique maximum 40-alphanumeric character map name. 94 Copyright 2008 by Digital Insight, an Intuit company ACH Map Definition

ACH Map Definition Field Name Strip Quotes (") around fields Map Type Load Zero to Amount Fields Import Type Delimiter Delete Unmatched Batch Template Records End of Record ID Allow Partial File Import Option that indicates whether you want the system to remove the quotation marks around fields in import files that use this map. Select this option if the fields in import files are surrounded by quotation marks. Initially displays System will assign. After import map is saved, the system assigns the map type This field is display only. Option that indicates whether you want the system to change the amount for all batch entries to zero when you import a file that uses this map. Select this option if you want the system to add the batch entry amounts as zero (0). The system does not change amounts to zero for any batch entries the import file does not update. Indicates the type of delimited format import map file. Options are: Repetitive Only Non-Repetitive Only Non-Repetitive and Repetitive (Both) List of symbols you can use as the delimiter or separator for delimited format maps. Select one of the following options from the list:, (comma) * (asterisk) : (colon) ; (semi-colon) \ (backslash) / (forwardslash) (pipe). Option that indicates whether you want the system to delete batch entries that are not updated when you import a file that uses this map. Select this option if you want the system to delete batch entries that are not updated when you import a file that uses this map. A list of symbols you can use as the end-of-record identifier for delimited format maps that designates where one transaction entry ends and another begins. Select one of the following options from the list: New Line (each record on a separate line), (comma) * (asterisk) : (colon) ; (semi-colon) \ (backslash) / (forwardslash) (pipe). Option that indicates whether the file being imported must contain all required fields to add new participants. When selected, you may define only those fields contained in the file being imported. Select this option if you want the system to allow adding participants when the file being imported does not contain all required fields. Copyright 2008 by Digital Insight, an Intuit company 95 ACH Map Definition

Field Name Fields to Add, Match or Update section Field Name Transaction Code List of fields that indicate the location of field values for each record in the import file. The map format controls how you enter information in this field. For delimited maps, enter the 2-digit sequence number for the field on the record (indicates the order of the field on the record: 1, 2, 3). Fields, their data types, and their length limits are: Transaction Code - 2 numeric ABA Number - 9 numeric Account Number - 17 alphanumeric Amount - 10 numeric. The system removes monetary symbols and commas from amounts when you import the file. ID Number or Serial Number - 15 alphanumeric Name - 22 alphanumeric Disc/Payment Type - 2 alphanumeric Addenda Data - 80 alphanumeric Receiver's Acct. Number - 25 alphanumeric Receiver's Bank ID - 11 alphanumeric Note: For delimited maps, if a field on the import file is longer than the limit, the system loads only the number of characters up to the limit length. It truncates all characters to the right. The NACHA transaction code that identifies the type of batch entry. Select the NACHA transaction code that identifies the type of batch entry. Match - match to this field in the system Update - update this field once matched Position - field position in import file Replacement Value - Drop-down selection list to select the value you want to use in place of the Field Position value. The ACH product supports the following 2-numeric character transaction codes: 22 - Live DDA Credit 23 - DDA Credit Prenote 27 - Live DDA Debit 28 - DDA Debit Prenote 32 - Live Savings Credit 33 - Savings Credit Prenote 37 - Live Savings Debit 38 - Savings Debit Prenote 42 - Live G/L Credit 43 - G/L Credit Prenote 47 - Live G/L Debit 48 - G/L Debit Prenote 52 - Live Loan Credit 53 - Loan Credit Prenote 96 Copyright 2008 by Digital Insight, an Intuit company ACH Map Definition

ACH Map Definition Field Name ABA Number Account Number Amount The NACHA transaction code that identifies the type of batch entry. Select the NACHA transaction code that identifies the type of batch entry. Match - match to this field in the system Update - update this field once matched Position - field position in import file Replacement Value - Drop-down selection list to select the value you want to use in place of the Field Position value. The ACH product supports the following 2-numeric character transaction codes: 22 - Live DDA Credit 23 - DDA Credit Prenote 27 - Live DDA Debit 28 - DDA Debit Prenote 32 - Live Savings Credit 33 - Savings Credit Prenote 37 - Live Savings Debit 38 - Savings Debit Prenote 42 - Live G/L Credit 43 - G/L Credit Prenote 47 - Live G/L Debit 48 - G/L Debit Prenote 52 - Live Loan Credit 53 - Loan Credit Prenote The account number for the participant at the financial institution. Maximum 17 alphanumeric characters: Match - match to this field in the system Update - update this field once matched Position - field position in Import File Replacement Value - use this value in place of the Field Position value. Note: Use the Receiver s Account Number field instead of this field if the transaction type code for the batch template is one of the following codes: CBR+CO CBR+DO PBR+CO PBR+DO Monetary amount for the batch entry. If you select the Load Zero to Amount Fields option, do not enter field position information or a replacement value for the amount. Update - update this field once matched Position - field position in Import File Replacement Value - use this value in place of the Field Position value Copyright 2008 by Digital Insight, an Intuit company 97 ACH Map Definition

Field Name ID Number Name Disc/Payment Type Addenda Data Identifier for the participant, which is the person or organization receiving the batch entry, or for RCK transactions, the serial number of the check. Update - update this field once matched Position - field position in Import File Replacement Value - use this value in place of the Field Position value Name for the participant, which is the person or organization receiving the batch entry. Maximum 22 alphanumeric characters Match - match to this field in the system Update - update this field once matched Position - field position in import file Replacement Value - use this value in place of the Field Position value Indicates either discretionary data or the payment type. Update - update this field once matched Position - field position in import file Replacement Value - use this value in place of the Field Position value Note: The transaction type code associated with the batch template controls whether the system uses the information in this field as discretionary data or a payment type. If the transaction type code is WEB+DO, the system uses the information in this field as the payment type. All other transaction type codes use this information as discretionary data. Discretionary Data - Additional information that further defines the batch entry Payment Type - Type of payment for the batch entry. The value in this field must be R - recurring payment S - single, one-time payment. Additional information for the batch entry, such as state or local tax information. Enter a maximum of 80 alphanumeric characters for additional information for the batch entry, such as state or local tax information. Update - update this field once matched Position - field position in import file Note: The transaction type code associated with the batch template controls whether the batch entry can contain addenda information. Rules: If you include addenda information in an import file, you must Begin and end the information with quotation marks ( ) Select the Strip Quotes around Fields option for the associated map. 98 Copyright 2008 by Digital Insight, an Intuit company ACH Map Definition

ACH Map Definition Position Field Name A list of fields that indicate the location of values in each record of the import file. The map format controls the information you enter in this field. For Delimited maps, enter the 2-digit sequence number for the field in the record (indicates the order of the field in the record: 1, 2, 3) Fixed maps, enter the 2-digit starting position for the field in the record and the 2-digit field length. Limits: The length limits for the fields are: Tran Code (2 numeric) ABA Number (9 numeric) Account Number (17 alphanumeric) Amount (10 numeric) - the system removes monetary symbols and commas from amounts when you import the file ID Number or Serial Number (15 alphanumeric) Name (22 alphanumeric) Disc./Payment Type (2 alphanumeric) Addenda Data (80 alphanumeric) Receiver s Bank ID (11 alphanumeric) Receiver s Acct. Number (25 alphanumeric) Note: For delimited maps, if a field on the import file is longer than the limit, the system loads only the number of characters up to the limit length. It truncates all characters to the right. Delimited Format The fields in each record of the import file are separated by a delimiter, such as a comma or semi-colon. A delimited map instructs the system how to map the fields in an import file to add, change, or delete entries in a single batch template. The person who builds the delimited file determines the order of the fields in each record and the delimiter to use. Example: The following fields are used in a comma-separated payroll file with the end of each record indicated by a new line (carriage return line feed): 1. ID Number: 585-66-9898 2. Name: John Doe 3. Account Number: 898565232 4. Amount: $2,388.62 5. ABA Number: 104000045 6. Transaction Type: 22 for live credit and 32 for credit prenote 585-66-9898, John Doe, 898565232, 238862, 104000045, 22 Note: You must use the Batch Maintenance service to add the template before you import a delimited file using that template. For more information about adding batch templates see the ACH User Guide. Copyright 2008 by Digital Insight, an Intuit company 99 ACH Map Definition

ACH Map Type Buttons When you add a delimited or fixed ACH import map, the Map Type field initially displays the text System will assign. After you click Add Map, the system uses the information you entered to determine the map type. The map types are: Add Only - Import files using this map type add batch templates to the ACH product. The system assigns this map type if you do not select any of the check boxes labeled Update complete the first six Position fields or Replacement Value fields. Add and Update - Import files using this map type add batch templates to the ACH product and update existing batch templates. The system assigns this map type if you Select at least one of the check boxes labeled Update Complete the first six Position fields or Replacement Value fields. Update Only - Import files using this map type update existing batch templates in the ACH product. The system assigns this map type if you Select at least one of the check boxes in the column labeled Update Complete either the Position or Replacement Value field for the fields you selected to update. If you select the Allow Partial File Import option, then you must also Select at least one field in the Match column Select at least one field in the Update column Enter a value in either the Position or Replacement Value column for each corresponding selected field in the Match column. Add, Update, and Delete - Import files using this map type add batch templates to the ACH product, update existing batch templates, and delete entries from batch templates. However, you must import these files twice; once to add and update and a second time to delete. The system assigns this map type if you Meet all criteria for Add and Update Select the Delete Unmatched Batch Template Records field. Add Map Cancel Button Adds the delimited-format map Does not add the delimited-format map 100 Copyright 2008 by Digital Insight, an Intuit company ACH Map Definition

ACH Map Definition Add a Map (Fixed) Page Add a Map (Fixed) Use this page to add a fixed-format import map file. A fixed-format map instructs the system how to map the fields in an import file to add, change, or delete entries in a single batch template. When you select this service, the system displays all existing import maps for your customer code. Duplicate Transactions The system allows you to import duplicate transactions in the same ACH batch. For each transaction entry with the same participant ID in an ACH file, the system adds an entry for each occurrence. If an ACH file contains duplicate transactions, and you are updating entries for an existing batch, we suggest you use multiple matching criteria to ensure you are updating the correct entry. For example, in a payroll import file, you can create a map that matches on the Participant ID and the Transaction Code. This way, the import file can contain a Copyright 2008 by Digital Insight, an Intuit company 101 ACH Map Definition

Rules Fields transaction entry for a participant to credit his checking account and a separate transaction entry to credit his savings account. For partial files, the import process allows you to have duplicate transactions according to the following rules: Matching is based on the fields selected in the Match column of the import map used. Only the update process is allowed; add and delete processes are not allowed. All matching records in the database are updated. For non-partial files, the import process allows you to have duplicate transactions according to the following rules: Add, update and delete processes are allowed. Matching for the update and delete processes are based on several fields including the Customer Code, Company ID, Batch Code and Participant ID. For the update process, all matching records in the database are updated. Only the first record found in the database is updated with the matching record in the imported file. After all records from the import file are updated in the database, where possible, any remaining import records are flagged with an error message saying that no record was found to update in the database. All unmatched records in the database are deleted. The delete process takes place before the update process when the process mode is Update and Delete. Field Name Import File Map Definition Delimited File Map section Map Code Skip First Header Record Map Name Load Zero to Amount Fields Unique identifier for the delimited format import map file. Enter a unique maximum 12-alphanumeric character map code. Option that indicates whether you want the system to skip and ignore the first header record on import files that use this map. Select this option if the import file contains header information in the first record. Unique name for the delimited format import map file. Enter a unique maximum 40-alphanumeric character map name. Option that indicates whether you want the system to change the amount for all batch entries to zero when you import a file that uses this map. Select this option if you want the system to add the batch entry amounts as zero (0). The system does not change amounts to zero for any batch entries the import file does not update. 102 Copyright 2008 by Digital Insight, an Intuit company ACH Map Definition

ACH Map Definition Map Type Field Name Delete Unmatched Batch Template Records Import Type Record Length Allow Partial File Import Initially displays System will assign. After import map is saved, the system assigns the map type This field is display only. Option that indicates whether you want the system to delete batch entries that are not updated when you import a file that uses this map. Select this option if you want the system to delete batch entries that are not updated when you import a file that uses this map. Indicates the type of delimited format import map file. Options are: Repetitive Only Non-Repetitive Only Non-Repetitive and Repetitive (Both) Length of each record in the import file. All records in a fixed format import map must be the same length. When determining the length of a record, include carriage returns and line feeds in the total length. Values are 0001 to 9999. Option that indicates whether the file being imported must contain all required fields to add new participants. When selected, you may define only those fields contained in the file being imported. Select this option if you want the system to allow adding participants when the file being imported does not contain all required fields. Fields to Add, Match or Update section Field Name List of fields that indicate the location of field values for each record in the import file. The map format controls how you enter information in this field. For delimited maps, enter the 2-digit sequence number for the field on the record (indicates the order of the field on the record: 1, 2, 3). Fields, their data types, and their length limits are: Transaction Code - 2 numeric ABA Number - 9 numeric Account Number - 17 alphanumeric Amount - 10 numeric. The system removes monetary symbols and commas from amounts when you import the file. ID Number or Serial Number - 15 alphanumeric Name - 22 alphanumeric Disc/Payment Type - 2 alphanumeric Addenda Data - 80 alphanumeric Note: For delimited maps, if a field on the import file is longer than the limit, the system loads only the number of characters up to the limit length. It truncates all characters to the right. Copyright 2008 by Digital Insight, an Intuit company 103 ACH Map Definition

Field Name Transaction Code The NACHA transaction code that identifies the type of batch entry. Select the NACHA transaction code that identifies the type of batch entry. Match - match to this field in the system Update - update this field once matched Position - field position in import file Replacement Value - Drop-down selection list to select the value you want to use in place of the Field Position value. The ACH product supports the following 2-numeric character transaction codes: 22 - Live DDA Credit 23 - DDA Credit Prenote 27 - Live DDA Debit 28 - DDA Debit Prenote 32 - Live Savings Credit 33 - Savings Credit Prenote 37 - Live Savings Debit 38 - Savings Debit Prenote 42 - Live G/L Credit 43 - G/L Credit Prenote 47 - Live G/L Debit 48 - G/L Debit Prenote 52 - Live Loan Credit 53 - Loan Credit Prenote 104 Copyright 2008 by Digital Insight, an Intuit company ACH Map Definition

ACH Map Definition Field Name ABA Number Account Number Amount The NACHA transaction code that identifies the type of batch entry. Select the NACHA transaction code that identifies the type of batch entry. Match - match to this field in the system Update - update this field once matched Position - field position in import file Replacement Value - Drop-down selection list to select the value you want to use in place of the Field Position value. The ACH product supports the following 2-numeric character transaction codes: 22 - Live DDA Credit 23 - DDA Credit Prenote 27 - Live DDA Debit 28 - DDA Debit Prenote 32 - Live Savings Credit 33 - Savings Credit Prenote 37 - Live Savings Debit 38 - Savings Debit Prenote 42 - Live G/L Credit 43 - G/L Credit Prenote 47 - Live G/L Debit 48 - G/L Debit Prenote 52 - Live Loan Credit 53 - Loan Credit Prenote The account number for the participant at the financial institution. Maximum 17 alphanumeric characters: Match - match to this field in the system Update - update this field once matched Position - field position in Import File Replacement Value - use this value in place of the Field Position value. Note: Use the Receiver s Account Number field instead of this field if the transaction type code for the batch template is one of the following codes: CBR+CO CBR+DO PBR+CO PBR+DO Monetary amount for the batch entry. If you select the Load Zero to Amount Fields option, do not enter field position information or a replacement value for the amount. Update - update this field once matched Position - field position in Import File Replacement Value - use this value in place of the Field Position value Copyright 2008 by Digital Insight, an Intuit company 105 ACH Map Definition

Field Name ID Number Name Disc/Payment Type Addenda Data Identifier for the participant, which is the person or organization receiving the batch entry, or for RCK transactions, the serial number of the check. Update - update this field once matched Position - field position in Import File Replacement Value - use this value in place of the Field Position value Name for the participant, which is the person or organization receiving the batch entry. Maximum 22 alphanumeric characters Match - match to this field in the system Update - update this field once matched Position - field position in import file Replacement Value - use this value in place of the Field Position value Indicates either discretionary data or the payment type. Update - update this field once matched Position - field position in import file Replacement Value - use this value in place of the Field Position value Note: The transaction type code associated with the batch template controls whether the system uses the information in this field as discretionary data or a payment type. If the transaction type code is WEB+DO, the system uses the information in this field as the payment type. All other transaction type codes use this information as discretionary data. Discretionary Data - Additional information that further defines the batch entry Payment Type - Type of payment for the batch entry. The value in this field must be R - recurring payment S - single, one-time payment. Additional information for the batch entry, such as state or local tax information. Enter a maximum of 80 alphanumeric characters for additional information for the batch entry, such as state or local tax information. Update - update this field once matched Position - field position in import file Note: The transaction type code associated with the batch template controls whether the batch entry can contain addenda information. Rules: If you include addenda information in an import file, you must Begin and end the information with quotation marks ( ) Select the Strip Quotes around Fields option for the associated map. 106 Copyright 2008 by Digital Insight, an Intuit company ACH Map Definition

ACH Map Definition Field Name Position Start Length Starting position for records in the import file that indicates the location of field values. The map format controls the information for this field. For: Delimited maps, enter the 2-digit sequence number for the field in the record (indicates the order of the field in the record: 1, 2, 3) Fixed maps, enter the 2-digit starting position for the field in the record and the 2-digit field length Limits: The length limits for the fields are: Tran Code (2 numeric) ABA Number (9 numeric) Account Number (17 alphanumeric) Amount (10 numeric) - the system removes monetary symbols and commas from amounts when you import the file ID Number or Serial Number (15 alphanumeric) Name (22 alphanumeric) Disc. or Payment Type (2 alphanumeric) Addenda Data (80 alphanumeric) Receiver s Bank ID (11 alphanumeric) Receiver s Acct. Number (25 alphanumeric) Note: For delimited maps, if a field on the import file is longer than the limit, the system loads only the number of characters up to the limit length and truncates all remaining characters. Length of each record in a fixed-format import file. All records in a fixed format file must be the same length. Fixed Format Example The fields in each record of a fixed format import file always start in the same position and are the same length. The person who builds the fixed file determines the position of each field on each record. Example: The following fields are used in a fixed format payroll file with a record length of 61 characters, taking into consideration the carriage return line feed at the end of each line: 1. ID Number always starts in position 1 and is always 11 characters. 2. Name starts in position 13 and is 12 characters. 3. Account Number starts in position 27 and is 11 characters. 4. Amount starts in position 41 and is 9 characters. 5. ABA Number starts in position 48 and is 9 characters. 6. Transaction Type starts in position 58 and is 2 characters. 585-66-9898 John Doe 898565232 238862 104000045 22 Note: You must use the Batch Maintenance service to add the template before you import a fixed file. For more information about adding batch templates see the ACH User Guide. Copyright 2008 by Digital Insight, an Intuit company 107 ACH Map Definition

Buttons Add Map Cancel Button Adds the fixed-format import map Does not add a fixed-format import map Edit Map Page Fields Edit Map Use this page to make changes to an ACH import map. You cannot edit standard import maps released with the ACH product, however you can edit import maps that banks create for your customer code. Field Name Import File Map Definition -Delimited and Fixed File Map section Map Code Unique identifier for the delimited format import map file. Enter a unique maximum 12-alphanumeric character map code. 108 Copyright 2008 by Digital Insight, an Intuit company ACH Map Definition

ACH Map Definition Field Name Skip First Header Record Map Name Strip Quotes (") around fields (Delimited Format Only) Load Zero to Amount Fields Delimiter (Delimited Format Only) Map Type Delete Unmatched Batch Template Records Import Type Option that indicates whether you want the system to skip and ignore the first header record on import files that use this map. Select this option if the import file contains header information in the first record. Unique name for the delimited format import map file. Enter a unique maximum 40-alphanumeric character map name. Option that indicates whether you want the system to remove the quotation marks around fields in import files that use this map. Select this option if the fields in import files are surrounded by quotation marks. Option that indicates whether you want the system to change the amount for all batch entries to zero when you import a file that uses this map. Select this option if you want the system to add the batch entry amounts as zero (0). The system does not change amounts to zero for any batch entries the import file does not update. List of symbols you can use as the delimiter or separator for delimited format maps. Select one of the following options from the list:, (comma) * (asterisk) : (colon) ; (semi-colon) \ (backslash) / (forwardslash) (pipe). Initially displays System will assign. After import map is saved, the system assigns the map type This field is display only. Option that indicates whether you want the system to delete batch entries that are not updated when you import a file that uses this map. Select this option if you want the system to delete batch entries that are not updated when you import a file that uses this map. Indicates the type of delimited format import map file. Options are: Repetitive Only Non-Repetitive Only Non-Repetitive and Repetitive (Both) Copyright 2008 by Digital Insight, an Intuit company 109 ACH Map Definition

Field Name End of Record ID (Delimited Format Only) Record Length (Fixed Format Only) Allow Partial File Import A list of symbols you can use as the end-of-record identifier for delimited format maps that designates where one transaction entry ends and another begins. Select one of the following options from the list: New Line (each record on a separate line), (comma) * (asterisk) : (colon) ; (semi-colon) \ (backslash) / (forwardslash) (pipe). Length of each record in the import file. All records in a fixed format import map must be the same length. When determining the length of a record, include carriage returns and line feeds in the total length. Values are 0001 to 9999. Option that indicates whether the file being imported must contain all required fields to add new participants. When selected, you may define only those fields contained in the file being imported. Select this option if you want the system to allow adding participants when the file being imported does not contain all required fields. Fields to Add, Match or Update section Field Name List of fields that indicate the location of field values for each record in the import file. The map format controls how you enter information in this field. For delimited maps, enter the 2-digit sequence number for the field on the record (indicates the order of the field on the record: 1, 2, 3). Fields, their data types, and their length limits are: Transaction Code - 2 numeric ABA Number - 9 numeric Account Number - 17 alphanumeric Amount - 10 numeric. The system removes monetary symbols and commas from amounts when you import the file. ID Number or Serial Number - 15 alphanumeric Name - 22 alphanumeric Disc/Payment Type - 2 alphanumeric Addenda Data - 80 alphanumeric Note: For delimited maps, if a field on the import file is longer than the limit, the system loads only the number of characters up to the limit length. It truncates all characters to the right. 110 Copyright 2008 by Digital Insight, an Intuit company ACH Map Definition

ACH Map Definition Field Name Transaction Code The NACHA transaction code that identifies the type of batch entry. Select the NACHA transaction code that identifies the type of batch entry. Match - match to this field in the system Update - update this field once matched Position - field position in import file Replacement Value - Drop-down selection list to select the value you want to use in place of the Field Position value. The ACH product supports the following 2-numeric character transaction codes: 22 - Live DDA Credit 23 - DDA Credit Prenote 27 - Live DDA Debit 28 - DDA Debit Prenote 32 - Live Savings Credit 33 - Savings Credit Prenote 37 - Live Savings Debit 38 - Savings Debit Prenote 42 - Live G/L Credit 43 - G/L Credit Prenote 47 - Live G/L Debit 48 - G/L Debit Prenote 52 - Live Loan Credit 53 - Loan Credit Prenote Copyright 2008 by Digital Insight, an Intuit company 111 ACH Map Definition

Field Name ABA Number Account Number Amount The NACHA transaction code that identifies the type of batch entry. Select the NACHA transaction code that identifies the type of batch entry. Match - match to this field in the system Update - update this field once matched Position - field position in import file Replacement Value - Drop-down selection list to select the value you want to use in place of the Field Position value. The ACH product supports the following 2-numeric character transaction codes: 22 - Live DDA Credit 23 - DDA Credit Prenote 27 - Live DDA Debit 28 - DDA Debit Prenote 32 - Live Savings Credit 33 - Savings Credit Prenote 37 - Live Savings Debit 38 - Savings Debit Prenote 42 - Live G/L Credit 43 - G/L Credit Prenote 47 - Live G/L Debit 48 - G/L Debit Prenote 52 - Live Loan Credit 53 - Loan Credit Prenote The account number for the participant at the financial institution. Maximum 17 alphanumeric characters: Match - match to this field in the system Update - update this field once matched Position - field position in Import File Replacement Value - use this value in place of the Field Position value. Note: Use the Receiver s Account Number field instead of this field if the transaction type code for the batch template is one of the following codes: CBR+CO CBR+DO PBR+CO PBR+DO Monetary amount for the batch entry. If you select the Load Zero to Amount Fields option, do not enter field position information or a replacement value for the amount. Update - update this field once matched Position - field position in Import File Replacement Value - use this value in place of the Field Position value 112 Copyright 2008 by Digital Insight, an Intuit company ACH Map Definition

ACH Map Definition Field Name ID Number Name Disc/Payment Type Addenda Data Identifier for the participant, which is the person or organization receiving the batch entry, or for RCK transactions, the serial number of the check. Update - update this field once matched Position - field position in Import File Replacement Value - use this value in place of the Field Position value Name for the participant, which is the person or organization receiving the batch entry. Maximum 22 alphanumeric characters Match - match to this field in the system Update - update this field once matched Position - field position in import file Replacement Value - use this value in place of the Field Position value Indicates either discretionary data or the payment type. Update - update this field once matched Position - field position in import file Replacement Value - use this value in place of the Field Position value Note: The transaction type code associated with the batch template controls whether the system uses the information in this field as discretionary data or a payment type. If the transaction type code is WEB+DO, the system uses the information in this field as the payment type. All other transaction type codes use this information as discretionary data. Discretionary Data - Additional information that further defines the batch entry Payment Type - Type of payment for the batch entry. The value in this field must be R - recurring payment S - single, one-time payment. Additional information for the batch entry, such as state or local tax information. Enter a maximum of 80 alphanumeric characters for additional information for the batch entry, such as state or local tax information. Update - update this field once matched Position - field position in import file Note: The transaction type code associated with the batch template controls whether the batch entry can contain addenda information. Rules: If you include addenda information in an import file, you must Begin and end the information with quotation marks ( ) Select the Strip Quotes around Fields option for the associated map. Copyright 2008 by Digital Insight, an Intuit company 113 ACH Map Definition

Field Name Position (Delimited Format Only) Position Start (Fixed Format Only) Length (Fixed Format Only) A list of fields that indicate the location of values in each record of the import file. The map format controls the information you enter in this field. For delimited-format maps, enter the 2-digit sequence number for the field in the record (indicates the order of the field in the record: 1, 2, 3). Limits: The length limits for the fields are: Tran Code (2 numeric) ABA Number (9 numeric) Account Number (17 alphanumeric) Amount (10 numeric) - the system removes monetary symbols and commas from amounts when you import the file ID Number or Serial Number (15 alphanumeric) Name (22 alphanumeric) Disc./Payment Type (2 alphanumeric) Addenda Data (80 alphanumeric) Receiver s Bank ID (11 alphanumeric) Receiver s Acct. Number (25 alphanumeric) Note: For delimited maps, if a field on the import file is longer than the limit, the system loads only the number of characters up to the limit length. It truncates all characters to the right. Starting position for records in the import file that indicates the location of field values. The map format controls the information for this field. For: Delimited maps, enter the 2-digit sequence number for the field in the record (indicates the order of the field in the record: 1, 2, 3) Fixed maps, enter the 2-digit starting position for the field in the record and the 2-digit field length Limits: The length limits for the fields are: Tran Code (2 numeric) ABA Number (9 numeric) Account Number (17 alphanumeric) Amount (10 numeric) - the system removes monetary symbols and commas from amounts when you import the file ID Number or Serial Number (15 alphanumeric) Name (22 alphanumeric) Disc. or Payment Type (2 alphanumeric) Addenda Data (80 alphanumeric) Receiver s Bank ID (11 alphanumeric) Receiver s Acct. Number (25 alphanumeric) Note: For delimited maps, if a field on the import file is longer than the limit, the system loads only the number of characters up to the limit length and truncates all remaining characters. Length of each record in a fixed-format import file. All records in a fixed format file must be the same length. 114 Copyright 2008 by Digital Insight, an Intuit company ACH Map Definition

ACH Map Definition Buttons Button Submit Changes Reset Cancel Saves changes to an import map Removes entries from fields and displays default values Does not edit an import map Delete Map Page Fields Delete Map Use this page to delete an ACH import map. All fields on this page are display only. You cannot delete standard import maps released with the ACH product, however you can delete import maps that banks create for your customer code. Field Name Import File Map Definition -Delimited and Fixed File Map section Map Code Skip First Header Record Unique identifier for the delimited format import map file. Enter a unique maximum 12-alphanumeric character map code. Option that indicates whether you want the system to skip and ignore the first header record on import files that use this map. Select this option if the import file contains header information in the first record. Copyright 2008 by Digital Insight, an Intuit company 115 ACH Map Definition

Map Name Field Name Strip Quotes (") around fields (Delimited Format Only) Load Zero to Amount Fields Delimiter (Delimited Format Only) Import Type Map Type Delete Unmatched Batch Template Records End of Record ID (Delimited Format Only) Unique name for the delimited format import map file. Enter a unique maximum 40-alphanumeric character map name. Option that indicates whether you want the system to remove the quotation marks around fields in import files that use this map. Select this option if the fields in import files are surrounded by quotation marks. Option that indicates whether you want the system to change the amount for all batch entries to zero when you import a file that uses this map. Select this option if you want the system to add the batch entry amounts as zero (0). The system does not change amounts to zero for any batch entries the import file does not update. List of symbols you can use as the delimiter or separator for delimited format maps. Select one of the following options from the list:, (comma) * (asterisk) : (colon) ; (semi-colon) \ (backslash) / (forwardslash) (pipe). Indicates the type of delimited format import map file. Options are: Repetitive Only Non-Repetitive Only Non-Repetitive and Repetitive (Both) Initially displays System will assign. After import map is saved, the system assigns the map type This field is display only. Option that indicates whether you want the system to delete batch entries that are not updated when you import a file that uses this map. Select this option if you want the system to delete batch entries that are not updated when you import a file that uses this map. A list of symbols you can use as the end-of-record identifier for delimited format maps that designates where one transaction entry ends and another begins. Select one of the following options from the list: New Line (each record on a separate line), (comma) * (asterisk) : (colon) ; (semi-colon) \ (backslash) / (forwardslash) (pipe). 116 Copyright 2008 by Digital Insight, an Intuit company ACH Map Definition

ACH Map Definition Field Name Record Length (Fixed Format Only) Allow Partial File Import Length of each record in the import file. All records in a fixed format import map must be the same length. When determining the length of a record, include carriage returns and line feeds in the total length. Values are 0001 to 9999. Option that indicates whether the file being imported must contain all required fields to add new participants. When selected, you may define only those fields contained in the file being imported. Select this option if you want the system to allow adding participants when the file being imported does not contain all required fields. Fields to Add, Match or Update section Field Name List of fields that indicate the location of field values for each record in the import file. The map format controls how you enter information in this field. For delimited maps, enter the 2-digit sequence number for the field on the record (indicates the order of the field on the record: 1, 2, 3). Fields, their data types, and their length limits are: Transaction Code - 2 numeric ABA Number - 9 numeric Account Number - 17 alphanumeric Amount - 10 numeric. The system removes monetary symbols and commas from amounts when you import the file. ID Number or Serial Number - 15 alphanumeric Name - 22 alphanumeric Disc/Payment Type - 2 alphanumeric Addenda Data - 80 alphanumeric Note: For delimited maps, if a field on the import file is longer than the limit, the system loads only the number of characters up to the limit length. It truncates all characters to the right. Copyright 2008 by Digital Insight, an Intuit company 117 ACH Map Definition

Field Name Transaction Code The NACHA transaction code that identifies the type of batch entry. Select the NACHA transaction code that identifies the type of batch entry. Match - match to this field in the system Update - update this field once matched Position - field position in import file Replacement Value - Drop-down selection list to select the value you want to use in place of the Field Position value. The ACH product supports the following 2-numeric character transaction codes: 22 - Live DDA Credit 23 - DDA Credit Prenote 27 - Live DDA Debit 28 - DDA Debit Prenote 32 - Live Savings Credit 33 - Savings Credit Prenote 37 - Live Savings Debit 38 - Savings Debit Prenote 42 - Live G/L Credit 43 - G/L Credit Prenote 47 - Live G/L Debit 48 - G/L Debit Prenote 52 - Live Loan Credit 53 - Loan Credit Prenote 118 Copyright 2008 by Digital Insight, an Intuit company ACH Map Definition

ACH Map Definition Field Name ABA Number Account Number Amount The NACHA transaction code that identifies the type of batch entry. Select the NACHA transaction code that identifies the type of batch entry. Match - match to this field in the system Update - update this field once matched Position - field position in import file Replacement Value - Drop-down selection list to select the value you want to use in place of the Field Position value. The ACH product supports the following 2-numeric character transaction codes: 22 - Live DDA Credit 23 - DDA Credit Prenote 27 - Live DDA Debit 28 - DDA Debit Prenote 32 - Live Savings Credit 33 - Savings Credit Prenote 37 - Live Savings Debit 38 - Savings Debit Prenote 42 - Live G/L Credit 43 - G/L Credit Prenote 47 - Live G/L Debit 48 - G/L Debit Prenote 52 - Live Loan Credit 53 - Loan Credit Prenote The account number for the participant at the financial institution. Maximum 17 alphanumeric characters: Match - match to this field in the system Update - update this field once matched Position - field position in Import File Replacement Value - use this value in place of the Field Position value. Note: Use the Receiver s Account Number field instead of this field if the transaction type code for the batch template is one of the following codes: CBR+CO CBR+DO PBR+CO PBR+DO Monetary amount for the batch entry. If you select the Load Zero to Amount Fields option, do not enter field position information or a replacement value for the amount. Update - update this field once matched Position - field position in Import File Replacement Value - use this value in place of the Field Position value Copyright 2008 by Digital Insight, an Intuit company 119 ACH Map Definition

Field Name ID Number Name Disc/Payment Type Addenda Data Identifier for the participant, which is the person or organization receiving the batch entry, or for RCK transactions, the serial number of the check. Update - update this field once matched Position - field position in Import File Replacement Value - use this value in place of the Field Position value Name for the participant, which is the person or organization receiving the batch entry. Maximum 22 alphanumeric characters Match - match to this field in the system Update - update this field once matched Position - field position in import file Replacement Value - use this value in place of the Field Position value Indicates either discretionary data or the payment type. Update - update this field once matched Position - field position in import file Replacement Value - use this value in place of the Field Position value Note: The transaction type code associated with the batch template controls whether the system uses the information in this field as discretionary data or a payment type. If the transaction type code is WEB+DO, the system uses the information in this field as the payment type. All other transaction type codes use this information as discretionary data. Discretionary Data - Additional information that further defines the batch entry Payment Type - Type of payment for the batch entry. The value in this field must be R - recurring payment S - single, one-time payment. Additional information for the batch entry, such as state or local tax information. Enter a maximum of 80 alphanumeric characters for additional information for the batch entry, such as state or local tax information. Update - update this field once matched Position - field position in import file Note: The transaction type code associated with the batch template controls whether the batch entry can contain addenda information. Rules: If you include addenda information in an import file, you must Begin and end the information with quotation marks ( ) Select the Strip Quotes around Fields option for the associated map. 120 Copyright 2008 by Digital Insight, an Intuit company ACH Map Definition

ACH Map Definition Field Name Position (Delimited Format Only) Position Start (Fixed Format Only) Length (Fixed Format Only) A list of fields that indicate the location of values in each record of the import file. The map format controls the information you enter in this field. For delimited-format maps, enter the 2-digit sequence number for the field in the record (indicates the order of the field in the record: 1, 2, 3). Limits: The length limits for the fields are: Tran Code (2 numeric) ABA Number (9 numeric) Account Number (17 alphanumeric) Amount (10 numeric) - the system removes monetary symbols and commas from amounts when you import the file ID Number or Serial Number (15 alphanumeric) Name (22 alphanumeric) Disc./Payment Type (2 alphanumeric) Addenda Data (80 alphanumeric) Receiver s Bank ID (11 alphanumeric) Receiver s Acct. Number (25 alphanumeric) Note: For delimited maps, if a field on the import file is longer than the limit, the system loads only the number of characters up to the limit length. It truncates all characters to the right. Starting position for records in the import file that indicates the location of field values. The map format controls the information for this field. For: Delimited maps, enter the 2-digit sequence number for the field in the record (indicates the order of the field in the record: 1, 2, 3) Fixed maps, enter the 2-digit starting position for the field in the record and the 2-digit field length Limits: The length limits for the fields are: Tran Code (2 numeric) ABA Number (9 numeric) Account Number (17 alphanumeric) Amount (10 numeric) - the system removes monetary symbols and commas from amounts when you import the file ID Number or Serial Number (15 alphanumeric) Name (22 alphanumeric) Disc. or Payment Type (2 alphanumeric) Addenda Data (80 alphanumeric) Receiver s Bank ID (11 alphanumeric) Receiver s Acct. Number (25 alphanumeric) Note: For delimited maps, if a field on the import file is longer than the limit, the system loads only the number of characters up to the limit length and truncates all remaining characters. Length of each record in a fixed-format import file. All records in a fixed format file must be the same length. Copyright 2008 by Digital Insight, an Intuit company 121 ACH Map Definition

Buttons Delete Map Cancel Button Removes an import map from the system Does not delete an import map Map Detail Page Map Detail Use this page to view detailed information for an ACH import map. All of the fields on this page are display only. Fields Field Name Import File Map Definition -Delimited and Fixed File Map section 122 Copyright 2008 by Digital Insight, an Intuit company ACH Map Definition

ACH Map Definition Map Code Field Name Skip First Header Record Map Name Strip Quotes (") around fields (Delimited Format Only) Load Zero to Amount Fields Import Type Delimiter (Delimited Format Only) Map Type Delete Unmatched Batch Template Records Unique identifier for the delimited format import map file. Enter a unique maximum 12-alphanumeric character map code. Option that indicates whether you want the system to skip and ignore the first header record on import files that use this map. Select this option if the import file contains header information in the first record. Unique name for the delimited format import map file. Enter a unique maximum 40-alphanumeric character map name. Option that indicates whether you want the system to remove the quotation marks around fields in import files that use this map. Select this option if the fields in import files are surrounded by quotation marks. Option that indicates whether you want the system to change the amount for all batch entries to zero when you import a file that uses this map. Select this option if you want the system to add the batch entry amounts as zero (0). The system does not change amounts to zero for any batch entries the import file does not update. Indicates the type of delimited format import map file. Options are: Repetitive Only Non-Repetitive Only Non-Repetitive and Repetitive (Both) List of symbols you can use as the delimiter or separator for delimited format maps. Select one of the following options from the list:, (comma) * (asterisk) : (colon) ; (semi-colon) \ (backslash) / (forwardslash) (pipe). Initially displays System will assign. After import map is saved, the system assigns the map type This field is display only. Option that indicates whether you want the system to delete batch entries that are not updated when you import a file that uses this map. Select this option if you want the system to delete batch entries that are not updated when you import a file that uses this map. Copyright 2008 by Digital Insight, an Intuit company 123 ACH Map Definition

Field Name End of Record ID (Delimited Format Only) Record Length (Fixed Format Only) Allow Partial File Import A list of symbols you can use as the end-of-record identifier for delimited format maps that designates where one transaction entry ends and another begins. Select one of the following options from the list: New Line (each record on a separate line), (comma) * (asterisk) : (colon) ; (semi-colon) \ (backslash) / (forwardslash) (pipe). Length of each record in the import file. All records in a fixed format import map must be the same length. When determining the length of a record, include carriage returns and line feeds in the total length. Values are 0001 to 9999. Option that indicates whether the file being imported must contain all required fields to add new participants. When selected, you may define only those fields contained in the file being imported. Select this option if you want the system to allow adding participants when the file being imported does not contain all required fields. Fields to Add, Match or Update section Field Name List of fields that indicate the location of field values for each record in the import file. The map format controls how you enter information in this field. For delimited maps, enter the 2-digit sequence number for the field on the record (indicates the order of the field on the record: 1, 2, 3). Fields, their data types, and their length limits are: Transaction Code - 2 numeric ABA Number - 9 numeric Account Number - 17 alphanumeric Amount - 10 numeric. The system removes monetary symbols and commas from amounts when you import the file. ID Number or Serial Number - 15 alphanumeric Name - 22 alphanumeric Disc/Payment Type - 2 alphanumeric Addenda Data - 80 alphanumeric Note: For delimited maps, if a field on the import file is longer than the limit, the system loads only the number of characters up to the limit length. It truncates all characters to the right. 124 Copyright 2008 by Digital Insight, an Intuit company ACH Map Definition

ACH Map Definition Field Name Transaction Code The NACHA transaction code that identifies the type of batch entry. Select the NACHA transaction code that identifies the type of batch entry. Match - match to this field in the system Update - update this field once matched Position - field position in import file Replacement Value - Drop-down selection list to select the value you want to use in place of the Field Position value. The ACH product supports the following 2-numeric character transaction codes: 22 - Live DDA Credit 23 - DDA Credit Prenote 27 - Live DDA Debit 28 - DDA Debit Prenote 32 - Live Savings Credit 33 - Savings Credit Prenote 37 - Live Savings Debit 38 - Savings Debit Prenote 42 - Live G/L Credit 43 - G/L Credit Prenote 47 - Live G/L Debit 48 - G/L Debit Prenote 52 - Live Loan Credit 53 - Loan Credit Prenote Copyright 2008 by Digital Insight, an Intuit company 125 ACH Map Definition

Field Name ABA Number Account Number Amount The NACHA transaction code that identifies the type of batch entry. Select the NACHA transaction code that identifies the type of batch entry. Match - match to this field in the system Update - update this field once matched Position - field position in import file Replacement Value - Drop-down selection list to select the value you want to use in place of the Field Position value. The ACH product supports the following 2-numeric character transaction codes: 22 - Live DDA Credit 23 - DDA Credit Prenote 27 - Live DDA Debit 28 - DDA Debit Prenote 32 - Live Savings Credit 33 - Savings Credit Prenote 37 - Live Savings Debit 38 - Savings Debit Prenote 42 - Live G/L Credit 43 - G/L Credit Prenote 47 - Live G/L Debit 48 - G/L Debit Prenote 52 - Live Loan Credit 53 - Loan Credit Prenote The account number for the participant at the financial institution. Maximum 17 alphanumeric characters: Match - match to this field in the system Update - update this field once matched Position - field position in Import File Replacement Value - use this value in place of the Field Position value. Note: Use the Receiver s Account Number field instead of this field if the transaction type code for the batch template is one of the following codes: CBR+CO CBR+DO PBR+CO PBR+DO Monetary amount for the batch entry. If you select the Load Zero to Amount Fields option, do not enter field position information or a replacement value for the amount. Update - update this field once matched Position - field position in Import File Replacement Value - use this value in place of the Field Position value 126 Copyright 2008 by Digital Insight, an Intuit company ACH Map Definition

ACH Map Definition Field Name ID Number Name Disc/Payment Type Addenda Data Identifier for the participant, which is the person or organization receiving the batch entry, or for RCK transactions, the serial number of the check. Update - update this field once matched Position - field position in Import File Replacement Value - use this value in place of the Field Position value Name for the participant, which is the person or organization receiving the batch entry. Maximum 22 alphanumeric characters Match - match to this field in the system Update - update this field once matched Position - field position in import file Replacement Value - use this value in place of the Field Position value Indicates either discretionary data or the payment type. Update - update this field once matched Position - field position in import file Replacement Value - use this value in place of the Field Position value Note: The transaction type code associated with the batch template controls whether the system uses the information in this field as discretionary data or a payment type. If the transaction type code is WEB+DO, the system uses the information in this field as the payment type. All other transaction type codes use this information as discretionary data. Discretionary Data - Additional information that further defines the batch entry Payment Type - Type of payment for the batch entry. The value in this field must be R - recurring payment S - single, one-time payment. Additional information for the batch entry, such as state or local tax information. Enter a maximum of 80 alphanumeric characters for additional information for the batch entry, such as state or local tax information. Update - update this field once matched Position - field position in import file Note: The transaction type code associated with the batch template controls whether the batch entry can contain addenda information. Rules: If you include addenda information in an import file, you must Begin and end the information with quotation marks ( ) Select the Strip Quotes around Fields option for the associated map. Copyright 2008 by Digital Insight, an Intuit company 127 ACH Map Definition

Field Name Position (Delimited Format Only) Position Start (Fixed Format Only) Length (Fixed Format Only) A list of fields that indicate the location of values in each record of the import file. The map format controls the information you enter in this field. For delimited-format maps, enter the 2-digit sequence number for the field in the record (indicates the order of the field in the record: 1, 2, 3). Limits: The length limits for the fields are: Tran Code (2 numeric) ABA Number (9 numeric) Account Number (17 alphanumeric) Amount (10 numeric) - the system removes monetary symbols and commas from amounts when you import the file ID Number or Serial Number (15 alphanumeric) Name (22 alphanumeric) Disc./Payment Type (2 alphanumeric) Addenda Data (80 alphanumeric) Receiver s Bank ID (11 alphanumeric) Receiver s Acct. Number (25 alphanumeric) Note: For delimited maps, if a field on the import file is longer than the limit, the system loads only the number of characters up to the limit length. It truncates all characters to the right. Starting position for records in the import file that indicates the location of field values. The map format controls the information for this field. For: Delimited maps, enter the 2-digit sequence number for the field in the record (indicates the order of the field in the record: 1, 2, 3) Fixed maps, enter the 2-digit starting position for the field in the record and the 2-digit field length Limits: The length limits for the fields are: Tran Code (2 numeric) ABA Number (9 numeric) Account Number (17 alphanumeric) Amount (10 numeric) - the system removes monetary symbols and commas from amounts when you import the file ID Number or Serial Number (15 alphanumeric) Name (22 alphanumeric) Disc. or Payment Type (2 alphanumeric) Addenda Data (80 alphanumeric) Receiver s Bank ID (11 alphanumeric) Receiver s Acct. Number (25 alphanumeric) Note: For delimited maps, if a field on the import file is longer than the limit, the system loads only the number of characters up to the limit length and truncates all remaining characters. Length of each record in a fixed-format import file. All records in a fixed format file must be the same length. 128 Copyright 2008 by Digital Insight, an Intuit company ACH Map Definition

ACH Map Definition Buttons Button Return to Map Selection Page Print this Page Displays the Import Maps page Sends the displayed page to your printer Copyright 2008 by Digital Insight, an Intuit company 129 ACH Map Definition

130 Copyright 2008 by Digital Insight, an Intuit company ACH Map Definition

10. ACH Status Report About ACH Status Report Use the Status Report service to request and display the ACH File Summary report, which displays summary information for ACH files ACH Batch Summary report, which displays summary information for the batches within an ACH file ACH Batch Detail report, which displays detailed batch entry or payment request information. For more information about payment requests, see the Consolidated Payments Reference Guide. Service Information The following information applies to the ACH Status Report service. Technology This is a ColdFusion-enabled service. Audience The ACH Status Report service is available to bank personnel. For a complete list of all ACH services and the audience for each service, see ACH Services on page 10. Default Service Identifiers The following default service identifiers are associated with the ACH Status Report service and reflect the initially-installed values: Service Name: ACH Status Report The service name is the name that the system uses to describe a service. Tab Text: Status The tab text is the abbreviated name on the service tab. Service ID: ACHStatus The service ID is the code the system uses to identify the service. Service Group: ACH Admin (tabbed-interface only) The service group is the group to which the service belongs. See Menu Interfaces on page 17. ACH Status Report Pages The Status Report service contains the following pages: Copyright 2008 by Digital Insight, an Intuit company 131 ACH Status Report

ACH Status Report Selection Page ACH File Summary Report Page ACH Batch Summary Report Page ACH Batch Detail Report Page ACH Status Report Selection Page Fields Status Selection Use this page to request the ACH File Summary report and to customize how information displays on the report. This report displays ACH file summary information for one or more corporate customers. Field Name Code Name Query From and To File Create Date Query From and To File Trace Number Optional. Code for the corporate customer. Enter all or part of the code up to 12 alphanumeric characters and click Find to list all corporate customers who match the search criteria. Optional. Name for the corporate customer. Enter all or part of the name up to 40 alphanumeric characters and click Find to list all corporate customers who match the search criteria. Range of ACH file dates to display on the ACH File Summary report. Use the mm/dd/yyyy format to enter the From and To dates, or click the calendar icon to the right of each field to select the dates. The default for both fields is the current date. Optional. Range of ACH file trace numbers to display on the ACH File Summary report. Enter the From and To range for the ACH file trace numbers up to 12 numeric characters in each field. 132 Copyright 2008 by Digital Insight, an Intuit company ACH Status Report

ACH Status Report Field Name Report Characteristic Sort Criteria you want the system to use to sort information on the ACH File Summary report. Note: The system sorts the ACH files on the report in ascending order (lowest to highest). Select whether you want to sort the information on the ACH File Summary report by Customer name File trace number. The default is File Trace Number. Status A list of batch statuses that limit the information that displays on the ACH File Summary report. Options are: All Status Created with Exceptions Created without Exceptions In Process Buttons Button Find Submit Clear Displays a list of corporate customers. If you Enter information in the Code or Name fields, the system displays only corporate customers in the list that match the criteria you enter. Do not enter information in the Code or Name fields, the system displays all corporate customers in the list. Opens the ACH File Summary Report page and displays the information you requested Restores the information in all fields to the default values ACH File Summary (Status) Report Page ACH File Summary Report Use this page to Copyright 2008 by Digital Insight, an Intuit company 133 ACH Status Report

Review summary information for ACH files Request the ACH Batch Summary report, which displays summary information for the batches associated with the selected ACH file. You cannot change information on this page. Fields Customer File Tr No Field Name Customer name and customer code of the person associated with the batch Unique sequential number the system assigned to the ACH file when it was built # Batches Number of batches included in the ACH file # Records Total number of records (file header, batch header, detail entries, addenda, batch control, and file control) in the ACH file across all batches Debits Credits Creation Date/Time File Size Status Details Total number of debit entries in the batch and the total monetary amount for the debit entries. Total debits include debit entries with an amount greater than zero (0) and a status of Prenote Zero Dollar Active Frozen entries and zero amount active entries are not included in this count. Total number of credit entries in the batch and the total monetary amount for the credit entries. Total credits include credit entries with an amount greater than zero (0) and a status of Prenote Zero Dollar Active Frozen entries and zero amount active entries are not included in this count. Date and time the ACH file was built Size of the ACH file in bytes Current status for the batch. Values are All Status Created with Exceptions Created without Exceptions In Process A magnifying glass icon. Click the icon to open the ACH Batch Detail Report page, which displays detailed information for the selected batch. 134 Copyright 2008 by Digital Insight, an Intuit company ACH Status Report

ACH Status Report ACH Batch Summary (Status) Report Page ACH Batch Summary Report (ACH batches) ACH Batch Summary Report (Consolidated Payments batches) Use this page to Review summary information for the batches within the selected ACH file Request the ACH Batch Detail report, which displays detailed information for a specific batch. This page displays when you click the Details icon on the ACH File Summary Report page. You cannot change information on this page. Copyright 2008 by Digital Insight, an Intuit company 135 ACH Status Report

Fields Field Name Header section (not labeled) File Trace Number File Size Creation Date File Status Unique number the system assigned to the ACH file when it was built Size of the ACH file in bytes Date the ACH file was created Identifies whether the file is in process, was created with exceptions, or created without exceptions Batch information section (not labeled) Unprocessed Batches section Bank Tr No Customer Code / Name Company ID / Name User Batch Code/Name Batches that were flagged to go into this file but, did not get written to the file, possibly due to file creation process interruption. Unique number the system assigned to the approved batch. If the batch contains payment requests, this field displays the unique number the system assigned when it built the batch. Code and name for the corporate customer associated with the batch Identifier and name for the ACH company associated with the batch Code and name for the batch. If the batch contains payment requests, this field displays PAYCO - PAYCO Batch for payroll payment requests TAXCO - TAXCO Batch for tax payment requests (Transaction) Type Debits Credits Entries Effective Entry Date Short name for the type of transaction included in the ACH batch. If the batch contains payment requests, this field displays PAYCO - PAYCO Batch for payroll payment requests TAXCO - TAXCO Batch for tax payment requests Total number of debit transactions (batch entries or payment requests) in the batch and the total dollar amount for the debit transactions Total number of credit transactions (batch entries or payment requests) in the batch and the total dollar amount for the credit transactions Total number of transactions (batch entries or payment requests) in the batch Effective entry date for the batch, which is the date the bank posts the transactions (batch entries or payment requests) to the customers accounts 136 Copyright 2008 by Digital Insight, an Intuit company ACH Status Report

ACH Status Report Activator Approver Field Name Customer ID and user ID of the person who activated the batch, and the date and time the batch was activated. If the batch contains payment requests, this field displays PAYROLLCUST - PAYROLLUSER for payroll payment requests TAXCUST - TAXUSER for tax payment requests Date and time the system built the batch Note: The system displays a generic customer and user ID for Consolidated Payments batches because these batches can contain payment requests entered by multiple users. Customer ID and user ID of the person who approved the batch, and the date and time the batch was approved. If the batch contains payment requests, this field displays PAYROLLCUST - PAYROLLUSER for payroll payment requests TAXCUST - TAXUSER for tax payment requests Date and time the system built the batch. Note: The system displays a generic customer and user ID for Consolidated Payments batches because these batches can contain payment requests entered by multiple users. Details Processed Batches section State Failed Entries A magnifying glass icon. Click the icon to open the ACH Batch Detail (Status) Report page, which displays detailed information for the selected batch. Batches display in bold red font and highlighted when they are in this state. This section contains the same fields as the Unprocessed Batches section, with the addition of the following fields: Displays the status of the batches The count of transactions with the status of Active with an Amount of Zero Frozen with any Amount This field displays only when there is at least one value to display. Buttons Button Finished Recreate ACH File Closes the ACH Batch Summary Report page and opens the ACH File Summary Report page Makes a copy of the previously-built ACH file and copies it to the active directory for ACH files that are being transmitted to the bank Copyright 2008 by Digital Insight, an Intuit company 137 ACH Status Report

ACH Batch Detail (Status) Report Page ACH Batch Detail Report (ACH Batches) ACH Batch Detail Report (tax payment requests) 138 Copyright 2008 by Digital Insight, an Intuit company ACH Status Report

ACH Status Report ACH Batch Detail Report (payroll payment requests) Use this page to display detailed information for the selected batch. This page displays when you click the Details icon on the ACH Batch Summary Report page. You cannot change information on this page. Fields Field Name Batch Information section (not labeled) Company User Batch Code/Name Effective Entry Date Originating Currency Identifier and name for the ACH company Code and name for the batch. If the batch contains payment requests, this field displays PAYCO - PAYCO Batch for payroll payment requests TAXCO - TAXCO Batch for tax payment requests Effective entry date for the batch, which is the date the bank posts the transactions (batch entries or payment requests) to the customers accounts Originating currency for the batch, which is always USD Copyright 2008 by Digital Insight, an Intuit company 139 ACH Status Report

Field Name Type Activator Activation Date Offset Creation Level Transaction Type Bank Trace Number Customer Trace Number Foreign Exchange Indicator Type of account for the batch entry or payment request. The values are Checking - for a demand deposit account Savings - for a savings account Gen Ledger - for a general ledger account Loan - for a loan account. Note: The values Gen Ledger and Loan do not display for the following transaction type codes: CBR+CO CBR+DO PAYCO PBR+CO PBR+DO TAXCO WEB+DO The customer ID and user ID of the person who activated the batch. If the batch contains payment requests, this field displays PAYROLLCUST - PAYROLLUSER for payroll payment requests TAXCUST - TAXUSER for tax payment requests Note: The system displays generic activation information for Consolidated Payments batches because these batches can contain payment requests that multiple users enter and approve. Date the corporate user activated the batch. If the batch contains payment requests, this field displays the date the system built the batch. Note: The system displays a generic activation date for Consolidated Payments batches because these batches can contain payment requests entered and approved by multiple users. Indicates whether the corporate user must select an offset account for each: Batch Transaction entry within a batch Long, descriptive name of the transaction type for the batch Unique number the system assigned to the approved batch. If the batch contains payment requests, this field displays the unique number the system assigned when it built the batch. Unique number the system assigned to the activated batch. If the batch contains payment requests, this field displays the unique number the system assigned when it created the batch. Indicates whether batch supports: Fixed-to-fixed ACH transactions (the payment is originated in United States Dollars (USD) and is paid in USD) Fixed-to-variable ACH transctions (the payment is originated in USD and paid in a foreign currency). The ACH operator determines the foreign amount. 140 Copyright 2008 by Digital Insight, an Intuit company ACH Status Report

ACH Status Report Field Name Destination Country Destination Currency Approver Approval Date Offset Account Name ID Number Bank Account Type List of countries you are permitted to access for cross-border ACH activity List of currencies you are permitted to access for cross-border ACH activity Customer ID and user ID of the person who approved the batch. If the batch contains payment requests, this field displays PAYROLLCUST - PAYROLLUSER for payroll payment requests TAXCUST - TAXUSER for tax payment requests Note: The system displays generic activation information for Consolidated Payments batches because these batches can contain payment requests that multiple users enter and approve. The date the corporate user approved the batch. If the batch contains payment requests, this field displays the date the system built the batch. Note: The system displays a generic approval date for Consolidated Payments batches because these batches can contain payment requests entered and approved by multiple users. See Offset Account field at the end of this table. Name for the participant. If the batch contains payment requests, this field displays the payee s name. Identifier for the participant. If the batch contains payment requests, this field displays the payee s ID number. Routing transit number that identifies the receiving financial institution for the entry. For cross-border transaction type codes, this field displays the receiver's bank ID and is display only. Participant s account number. If the batch contains payment requests, this field displays the payee s account number. Type of account for the batch entry or payment request. The values are Checking - for a demand deposit account Savings - for a savings account Gen Ledger - for a general ledger account Loan - for a loan account. Note: The values Gen Ledger and Loan do not display for the following transaction type codes: CBR+CO CBR+DO PAYCO PBR+CO PBR+DO TAXCO WEB+DO Copyright 2008 by Digital Insight, an Intuit company 141 ACH Status Report

Field Name Credit/Debit Amount Txn Type Disc. State Addendum Offset Account Code that indicates whether the batch entry or payment request is a credit or a debit. The values are C - for credit D - for debit Amount for the batch entry or payment request Type of transaction Discretionary data or additional information that further defines the batch entry or payment request. Note: This field does not display if the transaction type code is WEB+DO. Current status for the batch entry or payment request. The values are Active - The system includes the batch entry or payment request in the ACH file Frozen - The system does not include the batch entry or payment request in the ACH file Prenote - The system includes the batch entry or payment request in the batch, but sets the amount to $0.00. After the batch is approved, and the ACH cutoff process completes, the system changes the status to Active. Zero Dollar - The system includes the batch entry or payment request in the ACH file, but sets the amount to $0.00. This value is valid only for CCD+ transaction types. Red bold text and a red asterisk display to the right of the State field for exception transactions. Additional information for the entry, such as state or local tax information. The data in this field is record 7 in the ACH Addenda record. Displays only after you have defined an addenda for the batch type. Maximum 80 alphanumeric characters Offset account associated with the batch entry or payment request. Note: This field displays only if the offset creation level for the transaction type code is Transaction. Button The ACH Batch Detail (Status) Report page contains the Back button. Click this button to close the ACH Batch Delete Confirmation Summary page and open the ACH Summary Report page. 142 Copyright 2008 by Digital Insight, an Intuit company ACH Status Report

11. ACH Pass-Thru Report About ACH Pass-Through Report Use the ACH Pass-Through Report service to request and display the ACH Pass-Through report. This report displays all activity for the pass-thru ACH files processed through the ACH product. Service Information The following information applies to the ACH Pass-Through Report service. Technology This is a ColdFusion-enabled service. Audience The ACH Pass-Through Report service is available to bank and corporate personnel. For a complete list of all ACH services and the audience for each service, see ACH Services on page 10. Default Service Identifiers The following default service identifiers are associated with the ACH Pass-Through Report service and reflect the initially-installed values: Service Name: ACH Pass-Through Report The service name is the name that the system uses to describe a service. Tab Text: ACH PT Report The tab text is the abbreviated name on the service tab. Service ID: ACHPTReport The service ID is the code the system uses to identify the service. Service Group: ACH (tabbed-menu interface only) The service group is the group to which the service belongs. See Menu Interfaces on page 17. ACH Pass-Through Report Pages The ACH Pass-Through Report service contains the following pages: Pass-Thru Report Selection Page ACH Pass-Thru Report Page Copyright 2008 by Digital Insight, an Intuit company 143 ACH Pass-Thru Report

ACH Pass-Thru Report Selection Page Pass-Thru Report Selection Use this page to Enter report criteria Request an ACH Pass-Thru report. The Customers section displays only when bank personnel access this page. Fields Field Name Customers section Code Name Optional. Code for the corporate customer. Enter all or part of the code up to 12 alphanumeric characters and click Find/Refresh to list all corporate customers that match the search criteria. This field displays only for bank personnel. Optional. Name for the corporate customer. Enter all or part of the name up to 40 alphanumeric characters and click Find/Refresh to list all corporate customers that match the search criteria. Query from and to section File Processing Date File Pending # File Trace # Date range for the report. Use the mm/dd/yyyy format to enter the From and To dates, or click the calendar icon to the right of the field to select the dates. The default for both fields is the current date. Optional. Range of pending trace numbers for the report. Enter the From and To pending trace numbers. Optional. Range of bank trace numbers for the report. Enter the From and To bank trace numbers. 144 Copyright 2008 by Digital Insight, an Intuit company ACH Pass-Thru Report

ACH Pass-Thru Report Buttons Button Find/Refresh Submit Reset Displays a list of corporate customers for the leadbank. If you Enter Information in the Code and Name fields, the system displays only corporate customers in the list that match the search criteria Do not enter information in the Code and Name fields, the system displays all corporate customers in the list. Note: This button displays only when bank personnel access this page. Submits the report request and displays the ACH Pass-Thru Report page Restores the information in all fields to the default values ACH Pass-Thru Report Page ACH Pass-Thru Report Use this page to review summary information for ACH pass-thru files. The Cust Code field displays only when bank personnel access this page. This page displays when you click Submit on the Pass-Thru Report Selection page. You cannot change information on this page. Fields Cust Code Field Name Code for the corporate customer. Note: This field displays only when bank personnel access this page. Copyright 2008 by Digital Insight, an Intuit company 145 ACH Pass-Thru Report

Field Name File Name Pend/Trace # File Characteristics The name for the pass-thru ACH file. When you accept a pass-thru ACH file, the system assigns a new name to the file. The processing stage displays to the left of the name and indicates where the system is in the processing cycle. The values are Incoming - The system loaded the pass-thru ACH file (The original file name displays here.) Internal - The system verified the file formats for the pass-thru ACH file (the original file name displays here.) Outgoing - The system sent the pass-thru ACH file to the bank (The new file name for the accepted file displays here.) The format for the new file name is [cust code]_pjjjsssss, where [cust code] is the customer code _ is an underscore P is the letter P jjj is the Julian date sssss is a unique sequence number. Unique trace number the system assigned to the pass-thru ACH file when it was loaded or accepted. The processing stage indicates the type of trace number. If the processing stage is Incoming or Internal, this field displays the pending trace number that the system assigned to the pass-thru ACH file when it was loaded Outgoing, this field displays the bank trace number that the system assigned to the pass-thru ACH file when it was accepted. Contents of the pass-thru ACH file. The values are Batches - The total number of batches in the pass-thru ACH file File Credits - The total number of credit entries in the pass-thru ACH file and the total dollar amount for the credit entries File Debits - The total number of debit entries in the pass-thru ACH file and the total dollar amount for the debit entries 146 Copyright 2008 by Digital Insight, an Intuit company ACH Pass-Thru Report

ACH Pass-Thru Report Field Name Status Processed By Total Accepted Status for the pass-thru ACH file. The values are Accepted - The pass-thru ACH file was accepted Deleted - The record for the accepted and processed pass-thru ACH file was deleted from the system Failed - The pass-thru ACH file did not successfully load Loading - The system is loading the pass-thru ACH file and verifying the file formats Successful - The pass-thru ACH file successfully loaded Successful (W) - The pass-thru ACH file successfully loaded, but there were formatting warning messages The processing stage controls the statuses that can display in this field. If the processing status is Incoming, then only the statuses Loading, Successful, Successful (W), and Failed can display in this field Internal, then only the statuses Accepted and Deleted can display in this field Outgoing, then only the status Deleted can display in this field. (This field displays blank if the accepted ACH pass-thru file was not deleted.) Customer ID and user ID for the person who loaded, accepted, or deleted the pass-thru ACH file. The processing stage indicates the maintenance the user performed. If the value is Incoming, the maintenance information indicates who loaded the pass-thru ACH file and when it was loaded Internal, the maintenance information indicates who accepted or deleted the pass-thru ACH file and when it was accepted or deleted Outgoing, the maintenance information indicates who deleted the accepted pass-thru ACH file and when it was deleted. (This field displays blank if the accepted pass-thru ACH file was not deleted.) Displays when at least one file is shown. A section displays for each status possible on the report. The possible states are determined by the last displayed status of a file only, not previous status for the file. Fields are: Files - Total of all of the files for that last status Batches - Summary of all of the batch totals for that last status File Debits - Summary of all of the debit totals for that last status File Credits - Summary of all of the credit totals for that last status Copyright 2008 by Digital Insight, an Intuit company 147 ACH Pass-Thru Report

Field Name Total Transmitted Displays when at least one file is shown. A section displays for each status possible on the report. The possible states are determined by the last displayed status of a file only, no previous status for the file. Fields are: Files - Total of all of the files for that last status Batches - Summary of all of the batch totals for that last status File Debits - Summary of all of the debit totals for that last status File Credits - Summary of all of the credit totals for that last status Button The ACH Pass-Thru Report page contains the Close button. Click this button to close the ACH Pass-Thru report and open the Pass-Thru Report Selection page. 148 Copyright 2008 by Digital Insight, an Intuit company ACH Pass-Thru Report

12. ACH Report About ACH Report Use the ACH Report service to request and display the ACH Summary report and the ACH Detail report. These reports display summary and detailed information for batches, which you can export into a file. Also within this service you can delete a batch after it has been approved. Service Information The following information applies to the ACH Report service. Technology This is a ColdFusion-enabled service. Audience The ACH Report service is available to bank personnel and corporate personnel. For a complete list of all ACH services and the audience for each service, see ACH Services on page 10. Default Service Identifiers The following default service identifiers are associated with the ACH Report service and reflect the initially-installed values: ACH Report Pages Service Name: ACH Report The service name is the name that the system uses to describe a service. Tab Text: ACH Report The tab text is the abbreviated name on the service tab. Service ID: ACHRpt The service ID is the code the system uses to identify the service. Service Group: ACH (tabbed-interface only) The service group is the group to which the service belongs. See Menu Interfaces on page 17. The ACH Report service contains the following pages: ACH Report Selection Page ACH Summary Report Page Batch Detail Report Page ACH Delete Confirmation Summary Page Copyright 2008 by Digital Insight, an Intuit company 149 ACH Report

ACH Report Selection Page Fields ACH Report Selection Use this page to request the ACH Summary Report page and to customize how information displays on the report. This report displays summary and detailed information for ACH batches, which you can export into a file. You can also use the ACH Report service to delete an ACH batch after it has been activated or approved. Field Name Header section (not labeled) User, date, and time Identifier for the user logged on to the system, the current date, and the current time. This field is display only. Search section Search by Customer Code Search By Customer Name Available Customers Optional. The code for the corporate customer. Enter a customer code up to 12 alphanumeric characters and click Search to list all corporate customers who match the search criteria. Optional. Enter a corporate customer name up to 40 alphanumeric characters and click Search to list all corporate customers who match the search criteria. Drop-down selection list of ACH customers to which you have permission. By default the system displays all customers with your lead bank. Report Criteria section 150 Copyright 2008 by Digital Insight, an Intuit company ACH Report

ACH Report Field Name Type of Date From Date and To Date Customer Trace Number From and To Bank Trace Number From and To Drop-down selection list of the types of dates on which you can report. Options are: Activation Approval Effective Entry Date File Creation The default is Activation. The range of dates to display on the ACH Summary report. Use the mm/dd/yyyy format to enter the From and To dates, or click the calendar icon to the right of each field to select the dates. The default for both fields is the current date. Optional. The range of customer trace numbers to display on the ACH Summary report. Enter up to 4 numeric characters in each field for the From and To range of customer trace numbers. Optional. The range of bank trace numbers to display on the ACH Summary report. Enter up to 7 numeric characters in each field for the From and To range of bank trace numbers. Report Characteristics section Status Group By A list of batch statuses that limit the information that displays on the ACH Summary report. Options are: All Statuses Activated Approved Deleted File Created Created with Exceptions Busy. The default is All Statuses. Drop-down selection list to specify how you want to group batches on which you are reporting. Options are: Company Customer Date Status The default is Date. Copyright 2008 by Digital Insight, an Intuit company 151 ACH Report

Sort By Field Name Drop-down selection list to specify how you want to sort results on the report. Options are: Bank Trace Number Customer ID Customer Trace Number Company Code Company Name Batch Code Batch Name Status The default is Customer Trace Number. Buttons Button Search Submit Clear Identifies ACH batches created for the ACH customer selected from the Available Customers drop-down selection list Opens the ACH Summary Report page and displays the information you requested. Restores the information in all fields to the default values. 152 Copyright 2008 by Digital Insight, an Intuit company ACH Report

ACH Report ACH Summary Report Page Fields ACH Summary Report Use this page to Review summary information for batches Request the ACH Detail report, which displays detailed information for a specific batch. You cannot change information on this page. When you delete selections in a batch, the system refreshes Daily Entry Limits for the last activating user by subtracting the amount of the batch from the user s Overall Activation limit for the effective entry date Daily Entry Limits by subtracting the amount of the batch from the Customer s Overall Activation limit or the Company Overall Activation Limit, depending on which applies to the batch, for the effective entry date. Field Name Header section (not labeled) Bank Name Activation Date Name of the bank associated with the batch Date the batch was activated Note: This field displays only if you select Activation in the Status field on the ACH Report Selection page. Copyright 2008 by Digital Insight, an Intuit company 153 ACH Report

Field Name Approval Date Effective Entry Date File Creation Date Date the batch was approved Note: This field displays only if you select Approval in the Status field on the ACH Report Selection page. Effective entry date for the batch, which is the date the bank posts the transactions to the customers accounts Note: This field displays only if you select Effective Entry in the Status field on the ACH Report Selection page. Date the ACH file was built Note: This field displays only if you select File Created in the Status field on the ACH Report Selection page. Report Summary section Report Totals Batch Totals for Next Cutoff Total debits and credits for the report Total debits and credits for the next cutoff Report Summaries Section - displays batch summaries based on report selections Activation Date Date the batch was activated. This field displays only if you select Activation in the Type of Date field on the ACH Report page. Other ways you can generate the report are by Approval Date - date batch was approved; displays only if you select Approval on the Type of Date field on the ACH Report page Effective Entry Date - date the bank posts transactions to customer accounts; displays only if you select Effective Entry in the Type of Date field on the ACH Report page File Creation Date - date the ACH file was created; displays only if you select File Creation in the Type of Date field on the ACH Report page. Summary section Report Totals Batch Totals for Next Cutoff Cust Trace Bank Trace Customer Company Company Name Batch Total number of transaction entries on the report Total debits and credits for the next cutoff Unique trace number the customer assigned to the activated batch Unique number the system assigned to the approved batch Name of the customer associated with the batch ID and name for the ACH company associated with the batch Alphanumeric name for the ACH Company associated with the batch Alphanumeric identifier for the batch 154 Copyright 2008 by Digital Insight, an Intuit company ACH Report

ACH Report Field Name Batch Name Tran Type Eff Entry Date Status Alphabetic identifier for the batch Transaction type code for the entry Effective entry date for the batch, which is the date the bank posts the transactions to customer accounts Current status for the batch. Values are Activated - The batch is waiting for approval Locked - The activated batch is locked under a user s ID and waiting for approval Approved - The batch is approved Deleted - The approved batch has been deleted prior to cutoff File Created - The batch is included in an ACH file Button On the ACH Summary Report page, click Details on the same line as the transaction entry for which you want to see details, and the system displays the Batch Detail page. Copyright 2008 by Digital Insight, an Intuit company 155 ACH Report

Report Detail Page Batch Detail Report Use this page to review detailed information for a specific batch within the selected ACH file. This page displays when you click the Details icon on the ACH File Summary Report page. You cannot change information on this page. Fields Transaction type codes affect the information that displays on this page. Not all of the fields in the table display at the same time. 156 Copyright 2008 by Digital Insight, an Intuit company ACH Report

ACH Report Field Name Header section (not labeled) User, date, and time Customer Company Batch Identifier for the user logged on to the system, the current date, and the current time Name of the customer associated with the batch, not necessarily the logged-in user ACH Company code and name associated with the batch Batch code, batch name, and transaction type short name or transaction type code Batch Summary section Batch section Transaction Type Entry Offset Creation Level Offset Account Discretionary Data/Payment Type Short descriptive name of the transaction type for the batch for the batch that is on the receiver's bank statement Indicates whether or not the corporate user must select an offset account for each Batch Transaction entry within a batch Offset account associated with the batch. This field displays only if the offset creation level for the transaction type code is Transaction. The transaction type code associated with the batch template controls whether the system uses the information in this field as discretionary data or a payment type. Maximum 2 alphanumeric characters. For the transaction type code WEB+DO, this field is Payment Type. Options are Recurring Single (one-time payment) Transaction Summary Totals section Debits Credits Prenotes Zero Dollar State Frozen Zero Amount Active Total number of debit entries in the batch and the total monetary amount for the debit entries Total number of credit entries in the batch and the total monetary amount for the credit entries Total number of prenotes associated with the batch Total number of transaction entries in the batch with a zero dollar state Total number of frozen entries in the batch and the total monetary amount for the frozen entries Total number of transaction entries in the batch with an entry status of active and with zero amounts Copyright 2008 by Digital Insight, an Intuit company 157 ACH Report

Field Name Activity section Effective Entry Date Customer Trace Bank Trace Activated Activated By Approved Approved By Effective entry date for the batch Unique trace number the customer assigned to the activated batch Unique trace number the system assigned to the approved batch Date and time the batch was activated User who activated the batch Date and time the batch was approved User who approved the batch Search Transaction Entries section Filter By List of options you can use to search for specific transaction entries. The filter you select controls the information you must enter in the Filter From and Filter To fields. Options are Account Number Amount Bank ABA Disc. Data/Payment Type No Filter Participant ID Participant Name Receiver s Account Number Receiver s Bank ID State Examples: To display only Active entries on the page, select the State filter and enter Active in the Filter From and Filter To fields. Participants with first names that begin with the letter B, select the Participant Name filter and enter B in the Filter From and Filter To fields. Entries with amounts of $1000 or less, select the Amount filter, enter 0 in the Filter From field and 1000 in the Filter To field. Note: The Receiver s Account Number and Receiver s Bank ID display in the list only for cross-border transaction type codes and replace the Bank ABA and Account Number values. Default is No Filter 158 Copyright 2008 by Digital Insight, an Intuit company ACH Report

ACH Report Field Name From To Sort By Display Preferences Beginning item of the range of items for which you want to search transaction entries. The value you select in the Filter field controls the information you must enter in the Filter From and Filter To fields. If you select Account Number, enter a full or partial account number in both Filter From and Filter To fields Amount, enter a numeric value in both Filter From and Filter To fields Bank ABA, enter a complete, valid ABA number in both Filter From and Filter To fields Disc. Data/Payment Type, enter information in both Filter From and Filter To fields that is no more than two characters long No Filter, the system clears the entries in both Filter From and Filter To fields Participant ID, enter a full or partial ID in both Filter From and Filter To fields Participant Name, enter a full or partial name in both Filter From and Filter To fields Receiver s Account Number, enter a full or partial account number in both Filter From and Filter To fields Receiver s Bank ID, enter a complete receiver s bank ID in both Filter From and Filter To fields State, enter Active, Frozen, or Prenote in both Filter From and Filter To fields Ending item of the range of items for which you want to search transaction entries Drop-down selection list of options you can use to search for specific transaction entries. Options are: Batch Name Bank Trace Number Customer Trace Number Company Code Company Name Batch Code Status Participant Name Drop-down selection list of options you can use to specify how you want the transaction entries to display. Options are: All entries 10 entries per page 25 entries per page 50 entries per page Transaction Entries section Entry Number of the transaction entry in the batch Copyright 2008 by Digital Insight, an Intuit company 159 ACH Report

Field Name Credit/Debit Name ID Number Bank Account Type Amount Disc State Indicates whether the transaction entry is a credit or debit for CD batches only Name of the transaction entry associated with the batch Identifier for the transaction entry, who is the person sending or receiving the entry, or for RCK, the serial number of the check Routing transit number that identifies the receiving financial institution for the transaction entry Account number for the transaction entry Account types. Options are: Checking - for a demand deposit account Savings - for a savings account Gen Ledger - for a general ledger account Loan - for a loan account; available only for credit entries Notes: The Loan account type is available only for credit entries. The Gen Ledger and Loan options are only valid for the following transaction type codes: Cash concentration or disbursement (CCD) Prearranged payment and deposit (PPD) Monetary amount of the transaction entry The transaction type code associated with the batch template controls whether the system uses the information in this field as discretionary data or a payment type. Maximum 2 alphanumeric characters. For the transaction type code WEB+DO, this field is Payment Type. Options are Recurring Single (one-time payment) Current processing status of the transaction entry. Options are Active, the system includes the entry in the ACH file Frozen, the system does not include the entry in the ACH file Prenote, the system includes the entry in the ACH file, but sets the amount to $0.00. After the batch is approved and the ACH cutoff process completes, the system changes the state to Active Zero Dollar, the system includes the entry in the ACH file, but sets the amount to $0.00. Zero Dollar state applies to the following transaction type codes only: CCD+CO CCD+DO CCD+CD 160 Copyright 2008 by Digital Insight, an Intuit company ACH Report

ACH Report Offset Account Addendum Field Name Offset account associated with the transaction entry. This field displays only if the offset creation level for the transaction type code is Transaction. Additional information for the entry, such as state or local tax information. This field displays only if the transaction type code for the batch supports addenda. Buttons Button Display Entries Save Search Settings Previous Next Return to Batch Selection Page Print this Page Searches for transaction entries that match your criteria and displays them in the Transaction Entries section Saves your search settings for the batch selected without generating audit or billing messages Displays the previous set of transaction entries when the number of entries in the batch exceeds one page Displays the next set of transaction entries when the number of entries in the batch exceeds one page Displays the ACH Report page Sends the displayed page to your printer ACH Delete Confirmation Summary Page ACH Delete Confirmation Summary Page Use this page to review The confirmation information for deleted batches Copyright 2008 by Digital Insight, an Intuit company 161 ACH Report

Fields Any error or warning messages. Field Name Bank Tr. No Cust Tr. No Company Batch Debit Credit Entries Status Effective Entry Date Unique number the system assigned to the approved batch Unique number the system assigned to an activated batch ID and name for the ACH company associated with the batch Batch name and number Total number of debit entries in the batch and the total dollar amount for the debit entries Total number of credit entries in the batch and the total dollar amount for the credit entries Total number of entries in the batch Deleted status for the batch. The approved batch was deleted prior to cutoff Effective entry date for the batch, which is the date the bank posts the transactions to customers accounts Button The ACH Delete Confirmation Summary page contains the Continue button. Click this button to close the ACH Batch Delete Confirmation Summary page and open the ACH Summary Report page. 162 Copyright 2008 by Digital Insight, an Intuit company ACH Report

13. ACH Exception Reporting About ACH Exception Reporting Use the ACH Exception Report service to request and display summary and detailed information for ACH batches with recurring payments and errors found during processing. ACH Exception Report Selection Page Fields ACH Exception Report Selection Use this page to set options for generating an ACH Exception Report with ACH batches that include recurring payments and errors found during processing. To help you efficiently identify information for the report, you can search for one or more specific ACH companies by filtering the list by batch code or batch name. Field Name Header section (not labeled) Copyright 2008 by Digital Insight, an Intuit company 163 ACH Exception Reporting

Field Name User, date, and time Identifier for the user logged on to the system, the current date, and the current time Search section Available Companies Filter By Batch Code Filter By Batch Name Available Recurring Batch section Company ID Batch Batch Name Drop-down selection list of ACH companies to which you have permission Limits the display of batches to those associated with this batch code. Maximum 12 alphanumeric characters Limits the display of batches to those associated with this batch name. Maximum 12 alphanumeric characters. The system filters the displayed batch list by the first character of the batch name. Batches available for reporting that match your search criteria for the selected company. Displays only for corporate users, not bank users Identifier for the ACH Company Identifiers for the batches you are permitted to access Name for the batch Report Criteria section Type of Date From Date and To Date Exceptions Reasons Drop-down selection list of the types of dates you can use to filter the report. Options are: Activation - date the batch was activated Effective Entry Date - date the bank posts the transactions to customer accounts The default is Effective Entry Date. Range of dates to display on the ACH Exception Report. The From date must be the same as or before the To date. You can enter the date manually or click the calendar to select a date. Drop-down selection list of reasons why batches with recurring payments had errors. Options are: Invalid Permissions Limits Error Possible Duplicate Error Invalid State Error System Error Other Errors Characteristics section Group By Drop-down selection list to specify how you want to group batches on which you are reporting. Options are: Exception Reasons Company Effective Entry Date Activation Date 164 Copyright 2008 by Digital Insight, an Intuit company ACH Exception Reporting

ACH Exception Reporting Buttons Button Search Select All Calendar Submit Clear Identifies ACH batches created for the ACH company selected from the Available Companies drop-down selection list Activates all batches displayed in the Available Recurring Batches section so you can include them on an ACH exception report Displays calendar for you to select range of dates for which you want to generate an ACH report Displays the ACH Exception Report page with the information you requested for recurring payments and errors found during processing Removes entries from fields and displays default values ACH Exception Report Page ACH Exception Report Page Use this page to review Summary information for batches with recurring payments that did not process correctly when activation was automatically run. s of details that caused errors in the batches. You cannot change information on this page. Copyright 2008 by Digital Insight, an Intuit company 165 ACH Exception Reporting

The ACH Exception Report page provides the total number of batches and the debit and credit items and amounts. The report is sorted by batch ID within a group. If the system modifies the effective entry date for a batch, the date is highlighted and the following message displays: Highlighted Eff Entry Date indicates a system modification For information about permitting corporate users to perform recurring payments, see Chapter 2: ACH Settings. Fields Field Name Header section (not labeled) User, date, and time Bank Name Identifier for the user logged on to the system, the current date, and the current time Name of the bank associated with the report information Report Summaries Type of date/report date Company Company Name Batch Batch Name Tran Type Eff Entry Date Debit Credit Error Details section Type of date for the report (Activation or Effective Entry) and the date the report was generated Identifier for the ACH Company associated with the batch Name for the ACH Company associated with the batch Identifier for the batch Identifier for the batch name Identifier for the type of transaction in the batch composed of Standard Entry Class (SEC) codes and transaction formats Date the bank posts the transactions to customer accounts. The value in this field appears in the Effective Entry Date field on the ACH Header record (5 record). Total number of active debit entries in the batch and the total monetary amount for the active debit entries Total number of active credit entries in the batch and the total monetary amount for the active credit entries s of the errors that caused the batch with recurring payments to fail during the automatic activation process. Bank users can view exceptions related to one or more corporate customers. Corporate users can view errors related to one or more ACH companies. 166 Copyright 2008 by Digital Insight, an Intuit company ACH Exception Reporting

ACH Exception Reporting Buttons Button + -- Expand/Collapse icon. Plus sign (+) expands the Error Detail section of the page, and minus sign (-) closes the Error Detail section of the page Return to ACH Exception Report Selection Page Displays the ACH Exception Report Selection page Copyright 2008 by Digital Insight, an Intuit company 167 ACH Exception Reporting

168 Copyright 2008 by Digital Insight, an Intuit company ACH Exception Reporting

Appendix A: ACH Transaction Type Codes Transaction Type Codes Table The following table lists the transaction type codes delivered with the ACH product. Code Addenda CBR+CO Required Corporate cross-border payment, credits only CBR+DO Required Corporate cross-border payment, debits only CCD+CD Allowed Cash concentration or disbursement, credits and debits CCD+CO Allowed Cash concentration or disbursement, credits only CCD+DO Allowed Cash concentration or disbursement, debits only CCDCD No Cash concentration or disbursement, credits and debits CCDCO No Cash concentration or disbursement, credits only CCDDO No Cash concentration or disbursement, debits only PAYCO No Prearranged payment and deposit, credits only PBR+CO Required Consumer cross-border payment, credits only PBR+DO Required Consumer cross-border payment, debits only PPD+CD Allowed Prearranged payment and deposit, credits and debits PPD+CO Allowed Prearranged payment and deposit, credits only PPD+DO Allowed Prearranged payment and deposit, debits only PPDCD No Prearranged payment and deposit, credits and debits PPDCO No Prearranged payment and deposit, credits only PPDDO No Prearranged payment and deposit, debits only RCKDO No Represented check entries, debits only SBACO Required Small business administration, credit only TAXCO Required Cash concentration or disbursement, credits only TELDO No Telephone-initiated entry, debit only TELCO No Telephone-initiated entry, credit only (used only for reversals) Copyright 2008 by Digital Insight, an Intuit company 169 ACH Transaction Type Codes

Code Addenda WEB+DO Allowed Internet-initiated entry, debits only Note: The PAYCO and TAXCO transaction type codes are available only for the Consolidated Payments product. For more information, see the Consolidated Payments Reference Guide. 170 Copyright 2008 by Digital Insight, an Intuit company ACH Transaction Type Codes

Appendix B: ACH File Formats About ACH File Formats This Appendix contains the ACH file formats that the ACH product supports for batch transactions. About ACH File Formats The ACH product uses the file record formats to Build ACH files Validate import and pass-thru ACH files. Cutoff-Generated NACHA File Formats Record Size Each ACH file contains several different types of records. Each record contains specific information for the ACH file. The ACH record types are: File header record - Also known as a 1 record. Each ACH file must contain only one file header record. However, if the ACH file format setting for the leadbank is Single File per Leadbank (Separate Customer Files), the ACH file must contain one file header record for each customer. Batch header record - Also known as a 5 record. An ACH file must contain at least one batch header record. For each batch header record, the ACH file must contain one corresponding batch control record. Entry detail record - Also known as a 6 record. The entry detail records in an ACH file are grouped within a batch header record and a batch control record. Each batch in an ACH file can contain one or more entry detail records. Addenda record - Also known as a 7 record. The ACH file can contain only one addenda record for each entry detail record. Each addenda record must follow its associated entry detail record. Batch control record - Also known as an 8 record. An ACH file must contain one batch control record for every batch header record. File control record - Also known as a 9 record. Each ACH file must contain only one file control record. However, if the ACH file format setting for the leadbank is Single File per Leadbank (Separate Customer Files), the ACH file must contain one file control record for each customer. If you want to export a NACHA file, the resulting file is a standard NACHA formatted file that you can import back into the system using ACH Import. The system adds one carriage return (Hex OD) and one line feed (Hex OA) to the end of every Copyright 2008 by Digital Insight, an Intuit company 171 ACH File Formats

record in an ACH file, which causes every record in the ACH file to be 96 characters in length. The bank must remove these extra characters. Record Formats The ACH product supports the following record formats. These formats conform to the formats defined in the 2001 NACHA ACH Rules Guide. The supported record formats are: File Header Format (1 record) Standard Batch Header Format (CCD, CTX, PPD, RCK, WEB) Cross-Border Batch Header Format (CBR and PBR) CBR Entry Detail Format CCD Entry Detail Format CTX Entry Detail Format (Pass-Thru Only) PBR Entry Detail Format PPD Entry Detail Format RCK Entry Detail Format WEB Entry Detail Format Standard Addenda Format (CCD, CTX, PPD, WEB) Cross-Border Addenda Format (CBR and PBR) Batch Control (Trailer) Format (8 record) CSV File Format Sample (9 record) NACHA File Report Sample Consolidated Payments The system uses ACH file formats to process payment requests from the Consolidated Payments product. For more information, see the Consolidated Payments Reference Guide. Corporate Trade Exchange (CTX) The system supports the Corporate Trade Exchange (CTX) SEC code only for pass-thru files. For more information about pass-thru files, see the ACH User Guide. Mandatory and Required Fields For each record format, the information in the Required column indicates whether the field is: Mandatory - The record must contain this field. If a mandatory field is missing or incorrect, the ACH file fails at the ACH operator. 172 Copyright 2008 by Digital Insight, an Intuit company ACH File Formats

ACH File Formats CSV File Format Required - The record should contain this field. If a required field is missing or incorrect, the ACH operator does not fail the ACH file, but the receiving depository financial institution (RDFI) could reject the record. Optional - The record does not have to contain this field. The CSV File format is a comma-separated value file. This file format allows you to easily sort and manipulate bank data. If you export a CSV file, you can then import the resulting file back into the system using ACH Import, provided you set up a map definition for CSV files in the ACH Map Definition service. For information see Chapter 9: ACH Map Definition. File Header Format Following is the format for ACH header records. Field Length Position Required Record Type Code Priority Code Immediate Destination 1 01-01 Mandatory Indicates the record is the file header. ACH File Creation - When the system builds the ACH file, it sets the value in this field to 1. Validation - For import and pass-thru, this field must contain the value 1. Otherwise, the system issues an error. 2 02-03 Required Indicates the processing priority for the ACH file. ACH File Creation - When the system builds the ACH file, it sets the value in this field to 01. Validation - For import and pass-thru, this field must contain the value 01. Otherwise, the system issues an error. 10 04-13 Mandatory Indicates the immediate destination for the ACH file. ACH File Creation - When the system builds the ACH file, it sets the value in this field to the value in the Immediate Destination field on the ACH Settings page. Validation - For import, there is no validation. For pass-thru, this field must contain a value. Otherwise, the system issues a warning. Copyright 2008 by Digital Insight, an Intuit company 173 ACH File Formats

Field Length Position Required Immediate Origin File Creation Date File Creation Time File ID Modifier Record Size 10 14-23 Mandatory Indicates the immediate origin for the ACH file. ACH File Creation - When the system builds the ACH file, it sets the value in this field to either the End point code (if the corporate customer is associated with an end point), or Value in the Immediate Origin field on the ACH Settings page. Validation - For import, there is no validation. For pass-thru, this field must contain a value. Otherwise, the system issues a warning. 6 24-29 Mandatory Indicates the date the ACH file was built. ACH File Creation - When the system builds the ACH file, it sets the value in this field to the current system date using the YYMMDD format. Validation - For import and pass-thru, this field must contain a valid date using the YYMMDD format. Otherwise, the system issues a warning for import and an error for passthru. 4 30-33 Optional Indicates the time the ACH file was built. ACH File Creation - When the system builds the ACH file, it sets the value in this field to the current system time using the HHMM format. Validation - For import and pass-thru, this field must contain a valid time using the HHMM format. Otherwise, the system issues a warning for import and pass-thru. 1 34-34 Mandatory Indicates the system-assigned identifier for the leadbank. This identifier increments sequentially during the processing day from A through Z, and then, from 0 through 9. ACH File Creation - When the system builds the ACH file, it sets the value in this field to the incremental identifier assigned to the leadbank. Validation - For import and pass-thru, this field must contain a value of A through Z or 0 through 9. Otherwise, the system issues a warning for import and an error for pass-thru. Rule: The value A through Z must be in uppercase text. 3 35-37 Mandatory Indicates the number of characters contained in the record. ACH File Creation - When the system builds the ACH file, it sets the value in this field to 094. Validation - For import and pass-thru, this field must contain the value 094. Otherwise, the system issues a warning for import and an error for pass-thru. 174 Copyright 2008 by Digital Insight, an Intuit company ACH File Formats

ACH File Formats Field Length Position Required Blocking Factor Format Code Immediate Destination Name Immediate Origin Name Reference Code 2 38-39 Mandatory Indicates the number of physical records within a block. ACH File Creation - When the system builds the ACH file, it sets the value in this field to 10. Validation - For import and pass-thru, this field must contain the value 10. Otherwise, the system issues a warning for import and an error for pass-thru. 1 40-40 Mandatory This field is reserved for future format changes. ACH File Creation - When the system builds the ACH file, it sets the value in this field to 1. Validation - For import and pass-thru, this field must contain the value 1. Otherwise, the system issues a warning for import and an error for pass-thru. 23 41-63 Optional Indicates the immediate destination name for the ACH file. ACH File Creation - When the system builds the ACH file, it sets the value in this field to the value in the Destination Name field on the ACH Settings page. Validation - For import and pass-thru, there is no validation. 23 64-86 Optional Indicates the immediate origin name for the ACH file. ACH File Creation - When the system builds the ACH file, it sets the value in this field to the value in the Originator Name field on the ACH Settings page. Validation - For import and pass-thru, there is no validation. 8 87-94 Optional Indicates information that is relevant to the originator. ACH File Creation - When the system builds the ACH file, it sets the value in this field to the value in the Reference Code field on the ACH Settings page. Validation - For import and pass-thru, there is no validation. Standard Batch Header Format Following is the format for standard ACH batch header records (CCD, CTX, PPD, RCK, and WEB). Copyright 2008 by Digital Insight, an Intuit company 175 ACH File Formats

Field Length Position Required Record Type Code Service Class Code Company Name Company Discretionary Data 1 01-01 Mandatory Indicates the record is a batch header. This field must contain the value 5. ACH File Creation - When the system builds the ACH file, it sets the value in this field to 5. Validation - For import and pass-thru, this field must contain the value 5. Otherwise, the system Skips the following records until the next 5 record is found for import Issues an error for pass-thru. 3 02-02 Mandatory Indicates the service class code for the batch. This field must contain one of the following values: 200 - batch contains credits and debits 220 - batch contains only credits 225 - batch contains only debits ACH File Creation - When the system builds the ACH file, it uses the transaction type from the batch or payment request to determine the value for this field. Validation - For import and pass-thru, this field must contain one of the valid values and must match the value in the Service Class Code field in the batch control record (8 record). Otherwise, the system Skips the entire batch and issues an error for import Issues an error for pass-thru, which fails the file. 16 05-20 Mandatory Indicates the ACH company name associated with the batch or payment request. ACH File Creation - When the system builds the ACH file, it sets the value in this field to the ACH company associated with the batch or payment request. Validation - For import there is no validation. For pass-thru this field must contain a value. Otherwise, the system issues an error. 20 21-40 Optional Indicates additional information that describes the batch. ACH File Creation - When the system builds the ACH file, it sets the value in this field to the value in the Company Discretionary Data field from the batch. Validation - For import and pass-thru, there is no validation. Consolidated Payments - This field is not used for payment requests. 176 Copyright 2008 by Digital Insight, an Intuit company ACH File Formats

ACH File Formats Field Length Position Required Company Identification Standard Entry Class Code Company Entry 10 41-50 Mandatory Indicates the ACH company ID associated with the batch or payment request. ACH File Creation - When the system builds the ACH file, it sets the value in this field to the value in the Company field from the batch or payment request. Validation - For import, the system verifies that the value in this field is a valid company identifier in the system and that it matches the value in the Company Identification field in the batch control record (8 record). Otherwise, the system skips the entire batch and issues an error. For pass-thru, this field must contain a value. Otherwise, the system issues an error. Rule: If the SEC code for the batch is SBA, this field must contain the value 1999999999. 3 51-53 Mandatory Indicates the SEC code. This field must contain one of the following SEC codes: CCD (also used for SBA) CTX (for pass-thru only) PPD WEB ACH File Creation - When the system builds the ACH file, it uses the transaction type from the batch or payment request to determine the value for this field. Validation - For import and pass-thru, this field must contain one of the valid values. Otherwise, the system fails the entire Batch and issues an error for import ACH file for pass-thru 10 54-63 Mandatory Indicates the batch description associated with the batch. ACH File Creation - When the system builds the ACH file, it sets the value in this field to the value in the Company Entry field from the batch. Validation - For import and pass-thru, this field must contain a value. Otherwise, the system issues a warning for import and an error for pass-thru. Rules: If the SEC code for the Batch is SBA, this field must contain the value GTE FEE Payment request is PAYCO or TAXCO, this field must contain the value Payment. Copyright 2008 by Digital Insight, an Intuit company 177 ACH File Formats

Field Length Position Required Company Descriptive Date Effective Entry Date 6 64-69 Optional Indicates the descriptive date associated with the batch. ACH File Creation - When the system builds the ACH file, it sets the value in this field to the value in the Descriptive Date field on the Available Batch Templates page. Validation - For import and pass-thru, there is no validation. Consolidated Payments - This field is not used for payment requests. 6 70-75 Required Indicates the effective entry date associated with the batch or payment request. This field must use the YYMMDD format. ACH File Creation - When the system builds the ACH file, it sets the value in this field to the value in the Effective Entry Date field on the Available Batch Template page for batches Date field on the Payroll Payments Entry page or the Tax Payments Entry page for payment requests. Validation - For import and pass-thru, this field must contain a valid date that uses the YYDMMDD format. Otherwise, the system issues a warning for import and pass-thru. Settlement Date 3 76-78 Leave this field blank. The receiving ACH operator must complete this field. This field is blank. ACH File Creation - When the system builds the ACH file, it leaves this field blank. Validation - For import, there is no validation. For pass-thru, this field must be blank. Otherwise, the system issues a warning. Originator Status Code 1 79-79 Mandatory Indicates the type of originator for the batch or payment request. This field must contain one of the following values: 1 - originator is a depository financial institution 2 - originator is a federal government entity or agency ACH File Creation - When the system builds the ACH file, it sets the value in this field to 1. Validation - For import and pass-thru, this field must contain a 1 or a 2. Otherwise, the system issues an error. 178 Copyright 2008 by Digital Insight, an Intuit company ACH File Formats

ACH File Formats Field Length Position Required Originating DFI Identification Batch Number 8 80-87 Mandatory Indicates the routing number for the originator. ACH File Creation - When the system builds the ACH file, it sets the value in this field to the value in the ODFI Routing Number field on the ACH Settings page. Validation - For import, there is no validation. For pass-thru, the value in this field must match the value in the Originating DFI Identification field on the batch control record (8 record). Otherwise, the system issues an error. 7 88-94 Mandatory Indicates the ascending sequential number the ODFI assigned to the batch or payment request. ACH File Creation - When the system builds the ACH file, it generates the value for this field. Validation - For import, there is no validation. For pass-thru, the value in this field must Match the value in the Batch Number field on the batch control record (8 record) Be unique from the batch numbers of other batches on the ACH pass-thru file. You must assign a unique, ascending number to each batch on the ACH passthru file. The system does permit gaps in the sequence of batch numbers, such as 0000001, 0000005, 0000010. Otherwise, the system issues an error. Cross-Border Batch Header Format Following is the format for ACH cross-border header records. Copyright 2008 by Digital Insight, an Intuit company 179 ACH File Formats

Field Length Position Required Record Type Code Service Class Code Company Name 1 01-01 Mandatory Indicates the record is a batch header. This field must contain the value 5. ACH File Creation - When the system builds the ACH file, it sets the value in this field to 5. Validation - For import and pass-thru, this field must contain the value 5. Otherwise, the system Skips the following records until the next 5 record is found for import Issues an error for pass-thru. 3 02-04 Mandatory Indicates the service class code for the batch. This field can contain one of the following values: 200 - contains credits and debits 220 - contains only credits 225 - contains only debits ACH File Creation - When the system builds the ACH file, it uses the transaction type from the batch to determine the value for this field. Validation - For import and pass-thru, this field must Contain the value 220 or 225 Cross-validate with the value in the Transaction Code field in the entry detail record (6 record) Match the value in the Service Class Code field in the batch control record (8 record). Otherwise, the system Skips the entire batch Issues an error for import and pass-thru, which fails the file. 16 05-20 Mandatory Indicates the ACH company name associated with the batch. ACH File Creation - When the system builds the ACH file, it sets the value in this field to the ACH company associated with the batch. Validation - For import there is no validation. For pass-thru this field must contain a value. Otherwise, the system issues an error. 180 Copyright 2008 by Digital Insight, an Intuit company ACH File Formats

ACH File Formats Field Length Position Required Foreign Exchange Indicator Foreign Exchange Reference Indicator Foreign Exchange Reference ISO Destination Country Code 2 21-22 Required Indicates the foreign exchange indicator associated with the batch. This field must contain one of the following values: FF - fixed-to-fixed FV - fixed-to-variable ACH File Creation - When the system builds the ACH file, it sets the value in this field to the value in the Foreign Exchange Indicator field from the batch. Validation - For import and pass-thru, this field must contain the value FF or FV. Otherwise, the system issues an error. 1 23-23 Required Indicates the type of information in the Foreign Exchange Reference field. This field must contain the value 3 (the Foreign Exchange Reference field contains spaces). ACH File Creation - When the system builds the ACH file, it sets the value in this field to 3. Validation - For import, there is no validation. For pass-thru, this field must contain the value 3. Otherwise, the system issues an error. 15 24-38 Required This field must contain spaces. ACH File Creation - When the system builds the ACH file, it sets the value in this field to spaces. Validation - For import and pass-thru, there is no validation. 2 39-40 Required Indicates the batch receiver's country. ACH File Creation - When the system builds the ACH file, it sets the value in this field to the value in the Destination Country field from the batch. Validation - For import and pass-thru, the value in this field must match one of the country codes in the list of destination countries on the Batch Data Entry page. Otherwise, the system issues an error. Copyright 2008 by Digital Insight, an Intuit company 181 ACH File Formats

Field Length Position Required Company Identification Standard Entry Class Code Company Entry ISO Originating Currency Code 10 41-50 Mandatory Indicates the ACH company ID associated with the batch. ACH File Creation - When the system builds the ACH file, it sets the value in this field to the value in the Company field from the batch. Validation - For import, the system verifies that the value in this field is a valid company identifier in the system and it matches the value in the Company Identification field in the batch control record (8 record). Otherwise, the system skips the entire batch and issues an error. For pass-thru, this field must contain a value. Otherwise, the system issues an error. 3 51-53 Mandatory Indicates the SEC code. This field must contain the value CBR or PBR. ACH File Creation - When the system builds the ACH file, it uses the transaction type from the batch to determine the value for this field. Validation - For import and pass-thru, this field must contain the value CBR or PBR. Otherwise, the system Skips the entire batch and issues an error for import Fails the entire ACH file for pass-thru. 10 54-63 Mandatory Indicates the batch description associated with the batch. ACH File Creation - When the system builds the ACH file, it sets the value in this field to the value in the Company Entry field from the batch. Validation - For import and pass-thru, this field must contain a value. Otherwise, the system issues a warning for import and an error for pass-thru. 3 64-66 Required Indicates the 3-character ISO code for the originating currency. This field must contain the value USD. ACH File Creation - When the system builds the ACH file, it sets the value in this field to the value in the Originating Currency field from the batch, which is always USD. Validation - For import and pass-thru, this field must contain the value USD. Otherwise, the system issues a warning for import and an error for pass-thru. 182 Copyright 2008 by Digital Insight, an Intuit company ACH File Formats

ACH File Formats Field Length Position Required ISO Destination Currency Code Effective Entry Date 3 67-69 Required Indicates the 3-character ISO code for the destination currency. ACH File Creation - When the system builds the ACH file, it sets the value in this field to the value in the Destination Currency field from the batch. Validation - For import and pass-thru, this field must contain a value. Otherwise, the system issues a warning for import and an error for pass-thru. 6 70-75 Required Indicates the effective entry date associated with the batch. This field must use the YYMMDD format. ACH File Creation - When the system builds the ACH file, it sets the value in this field to the value in the Effective Entry Date field on the Available Batch Template page. Validation - For import and pass-thru, this field must contain a valid date that uses the YYMMDD format. Otherwise, the system issues a warning. Settlement Date 3 76-78 Leave this field blank. The receiving ACH operator must complete this field. This field is blank. ACH File Creation - When the system builds the ACH file, it leaves this field blank. Validation - For import, there is no validation. For pass-thru, this field must be blank. Otherwise, the system issues a warning. Originator Status Code 1 79-79 Mandatory Indicates the type of originator for the batch. This field must contain one of the following values: 1 - originator is a depository financial institution 2 - originator is a federal government entity or agency ACH File Creation - When the system builds the ACH file, it sets the value in this field to 1. Validation - For import and pass-thru, this field must contain a 1 or a 2. Otherwise, the system issues an error. Copyright 2008 by Digital Insight, an Intuit company 183 ACH File Formats

Field Length Position Required Originating DFI Identification Batch Number 8 80-87 Mandatory Indicates the routing number for the originator. ACH File Creation - When the system builds the ACH file, it sets the value in this field to the value in the ODFI Routing Number field on the ACH Settings page. Validation - For import, there is no validation. For pass-thru, the value in this field must match the value in the Originating DFI Identification field on the batch control record (8 record). Otherwise, the system issues an error. 7 88-94 Mandatory Indicates the ascending sequential number the ODFI assigned to the batch. ACH File Creation - When the system builds the ACH file, it generates the value for this field. Validation - For import, there is no validation. For pass-thru, the value in this field must Match the value in the Batch Number field on the batch control record (8 record) Be unique from the batch numbers of other batches on the ACH pass-thru file. You must assign a unique, ascending number to each batch on the ACH passthru file. The system does permit gaps in the sequence of batch numbers, such as 0000001, 0000005, 0000010. Otherwise, the system issues an error. CBR Entry Detail Format Following is the format for ACH CBR Entry Detail records. 184 Copyright 2008 by Digital Insight, an Intuit company ACH File Formats

ACH File Formats Field Length Position Required Record Type Code Transaction Code Receiving DFI or OGO Identification 1 01-01 Mandatory Indicates the record is an entry detail record. This field must contain the value 6. ACH File Creation - When the system builds the ACH file, it sets the value in this field to 6. Validation - For import and pass-thru, this field must contain the value 6. Otherwise, the system Skips the following records until the next 6 record is found for import Issues an error for pass-thru. Rule: The first entry detail record (6 record) in a batch must immediately follow a batch header record (5 record). 2 02-03 Mandatory Indicates the type of debit or credit entry. This field must contain one of the following values: DDA Codes 22 - automated deposit 27 - automated payment Savings Codes 32 - automated deposit 37 - automated payment ACH File Creation - When the system builds the ACH file, it uses the transaction type from the batch to determine the value for this field. Validation - For import and pass-thru, this field must contain a valid value. Otherwise, the system issues an error. 8 04-11 Mandatory Indicates the routing transit number for the foreign receiving depository institution for the entry. ACH File Creation - When the system builds the ACH file, it sets the value in this field to the first 8 digits of the Originating Gateway Operator field in the Countries service. For more information, see the e-commerce Platform Reference Guide. Validation - For import and pass-thru, this field must contain a valid 8-digit number. Otherwise, the system issues a warning for import and an error for pass-thru. This value and the value in the Check Digit field must pass a Mod-10 check digit. Copyright 2008 by Digital Insight, an Intuit company 185 ACH File Formats

Field Length Position Required Check Digit 1 12-12 Mandatory Indicates the check digit derived from the value in the Receiving DFI or OGO Identification field. ACH File Creation - When the system builds the ACH file, it sets the value in this field to the ninth digit of the Originating Gateway Operator field in the Countries service. For more information, see the e-commerce Platform Reference Guide. Validation - For import and pass-thru, this field must contain a valid 1-digit number. Otherwise, the system issues a warning for import and an error for pass-thru. DFI Account Number 17 13-29 Required Indicates the account number for the participant at the financial institution. ACH File Creation - When the system builds the ACH file, it sets the value in this field to the Receiver s Account Number field from the batch entry. Validation - For import, this field must contain only numbers, letters, and hyphens. If the field Contains unauthorized characters, the system skips the record, skips the associated addenda record (7 record), and fails the record Is blank, the system loads the record and issues a warning. For pass-thru, this field must contain a value. Otherwise, the system issues an error. Amount 10 30-39 Mandatory ndicates the amount for the entry. This is a monetary ($$$$$$$$$$ ), right-justified, and zero-filled field. ACH File Creation - When the system builds the ACH file, it sets the value in this field to the value in the Amount field from the batch entry. Validation - For import, this field must contain 10 numeric characters. If the field Contains unauthorized characters, the system skips the record, skips the associated addenda record (7 record), and fails the record Is blank, the system loads the record and issues a warning. For pass-thru, this field must contain 10 numeric characters. Otherwise, the system issues an error. 186 Copyright 2008 by Digital Insight, an Intuit company ACH File Formats

ACH File Formats Field Length Position Required Identification Number Receiving Company Name Discretionary Data Addenda Record Indicator 15 40-54 Optional Indicates the identifier for the participant. ACH File Creation - When the system builds the ACH file, it sets the value in this field to the value in the ID Number field from the batch entry. Validation - For import and pass-thru, this field must contain a value. Otherwise, the system issues a warning for import and an error for pass-thru. 22 55-76 Required Indicates the name for the participant. ACH File Creation - When the system builds the ACH file, it sets the value in this field to the value in the Name field from the batch entry. Validation - For import and pass-thru, this field must contain a value. If the field is blank, the system Skips the record Skips the associated addenda record (7 record) Fails the record. 2 77-78 Optional Indicates discretionary data for the entry. ACH File Creation - When the system builds the ACH file, it sets the value in this field to the value in the Disc. field from the batch entry. Validation - For import and pass-thru, there is no validation. 1 79-79 Mandatory Indicates whether the entry contains an addendum record. This field must contain the value 1 (the entry contains an addendum record). ACH File Creation - When the system builds the ACH file, it sets the value in this field to 1. Validation - For import there is no validation. For pass-thru, this field must contain the value 1. Otherwise, the system issues an error. Copyright 2008 by Digital Insight, an Intuit company 187 ACH File Formats

Field Length Position Required Trace Number 15 80-94 Mandatory Indicates the unique trace number for the entry in the batch. ACH File Creation - When the system builds the ACH file, it sets the value in this field to The first 8 characters from the value in the ODFI Routing Number field on the ACH Settings page A 7-digit sequential trace number for the entry. Validation - For import, there is no validation. However, the value in this field must match the value in the Trace Number field in the addenda record (7 record). Otherwise, the system issues a warning. For pass-thru, the First 8 digits in this field must match the value in the Originating DFI Identification field in the batch header record (5 record) and the batch control record (8 record) Remaining 7 digits must contain a unique, ascending number for each entry detail record (6 record) in the batch. The system does permit gaps in the sequence of the numbers, such as 0000001, 0000005, 0000010. Otherwise, the system issues an error. CCD Entry Detail Format Following is the format for ACH CCD Entry Detail records. Field Length Position Required Record Type Code 1 01-01 Mandatory Indicates the record is an entry detail record. This field must contain the value 6. Validation - For import and pass-thru, this field must contain the value 6. Otherwise, the system Skips the following records until the next 6 record is found for import Issues an error for pass-thru. Rule: The first entry detail record (6 record) in a batch must immediately follow a batch header record (5 record). 188 Copyright 2008 by Digital Insight, an Intuit company ACH File Formats

ACH File Formats Field Length Position Required Transaction Code 2 02-03 Mandatory Indicates the type of debit or credit entry. This field must contain one of the following values: DDA Codes 22 - automated deposit 23 - prenotification of demand credit authorization; death notification; automated enrollment entry 24 - zero-dollar credit 27 - automated payment 28 - prenotification of demand debit authorization 29 - zero-dollar debit Savings Codes 32 - automated deposit 33 - prenotification of savings credit authorization 34 - zero-dollar credit 37 - automated payment 38 - prenotification of savings debit authorization 39 - zero-dollar debit General Ledger Codes 42 - automated GL deposit 43 - prenotification of GL credit authorization 44 - zero-dollar credit 47 - automated GL payment 48 - prenotification of GL debit authorization 49 - zero-dollar debit Loan Codes 52 - automated loan deposit 53 - prenotification of loan credit authorization 54 - zero-dollar credit Amount and Zero Amount Type fields from the payment request to determine the value for this field. Validation: For import, this field must contain a valid value. Otherwise, the system issues an error. If this field contains a zero-dollar code, the system issues a warning. For pass-thru, this field must contain a valid value. Otherwise the system issues an error. Rule: If the SEC code for the batch is SBA, this field must contain the value 22 (automated deposit). Copyright 2008 by Digital Insight, an Intuit company 189 ACH File Formats

Field Length Position Required Receiving DFI Identification 8 04-11 Mandatory Indicates the routing transit number for the receiving financial institution for the entry or payment request. Validation: For import and pass-thru, this field must contain a valid 8-digit number. Otherwise, the system issues a warning for import and an error for pass-thru. This value and the value in the Check Digit field must pass a Mod-10 check digit. Rule: If the SEC code for the batch is SBA, this field must contain the value 05103670. Check Digit 1 12-12 Mandatory Indicates the check digit derived from the value in the Receiving DFI Identification field. Validation: For import and pass-thru, this field must contain a valid 1-digit number. Otherwise, the system issues a warning for import and an error for pass-thru. Rule: If the SEC code for the batch is SBA, this field must contain the value 6. DFI Account Number 17 13-29 Required Indicates the account number for the participant at the financial institution or the payee. Validation: For import, this field must contain only numbers, letters, and hyphens. If the field contains unauthorized characters, the system skips the record, skips the associated addenda record (7 record), and fails the record is blank, the system loads the record and issues a warning. For pass-thru, this field must contain a value. Otherwise, the system issues an error. Rule: If the SEC code for the batch is SBA, this field must contain the value 312012. Amount 10 30-39 Mandatory Indicates the amount for the entry or payment request. This is a monetary ($$$$$$$$$$ ), right-justified, and zerofilled field. Validation - For import, this field must contain 10 numeric characters. If the field Contains unauthorized characters, the system skips the record, skips the associated addenda record (7 record), and fails the record Is blank, the system loads the record and issues a warning. For pass-thru, this field must contain 10 numeric characters. Otherwise, the system issues an error. 190 Copyright 2008 by Digital Insight, an Intuit company ACH File Formats

ACH File Formats Field Length Position Required Identification Number Receiving Company Name Discretionary Data Addenda Record Indicator 15 40-54 Optional Indicates the identifier for the participant or the taxpayer ID. Validation - For import and pass-thru, this field must contain a value. Otherwise, the system issues a warning for import and an error for pass-thru. 22 55-76 Required Indicates the name for the participant or payee. Validation - For import and pass-thru, this field must contain a value. Otherwise, the system issues an error. Rule: If the SEC code for the batch is SBA, this field must contain the value SBA. 2 77-78 Optional Indicates discretionary data for the entry. Validation - For import and pass-thru, there is no validation. Consolidated Payments - This field is not used for payment requests. 1 79-79 Mandatory Indicates whether the entry contains an addendum record. Validation - For import and pass-thru, this field must contain the value 0 if the entry does not contain an addendum record 1 if the entry contains an addendum record. Otherwise, the system issues an error. Rule: This field must contain the value 1 if the SEC code for the batch is SBA payment request is TAXCO. Copyright 2008 by Digital Insight, an Intuit company 191 ACH File Formats

Field Length Position Required Trace Number 15 80-94 Mandatory Indicates the unique trace number for the entry in the batch or the payment request. Validation - For import, there is no validation. However, the value in this field must match the value in the Trace Number field in the addenda record (7 record). Otherwise, the system issues a warning. For pass-thru, the First 8 digits in this field must match the value in the Originating DFI Identification field in the batch header record (5 record) and the batch control record (8 record) Remaining 7 digits must contain a unique, ascending number for each entry detail record (6 record) in the batch. The system does permit gaps in the sequence of the numbers, such as 0000001, 0000005, 0000010. Otherwise, the system issues an error. CTX Entry Detail Format Following is the format for ACH CTX Entry Detail records. Field Length Position Required Record Type Code 1 01-01 Mandatory Indicates the record is an entry detail record. Pass-Thru Validation - This field must contain the value 6. Otherwise, the system issues an error. Rule: The first entry detail record (6 record) in a batch must immediately follow a batch header record (5 record). 192 Copyright 2008 by Digital Insight, an Intuit company ACH File Formats

ACH File Formats Field Length Position Required Transaction Code 2 02-03 Mandatory Indicates the type of debit or credit entry. This field must contain one of the following values: DDA Codes 22 - automated deposit 23 - prenotification of demand credit authorization; death notification; automated enrollment entry 24 - zero-dollar credit 27 - automated payment 28 - prenotification of demand debit authorization 29 - zero-dollar debit Savings Codes 32 - automated deposit 33 - prenotification of savings credit authorization 34 - zero-dollar credit 37 - automated payment 38 - prenotification of savings debit authorization 39 - zero-dollar debit General Ledger Codes 42 - automated GL deposit 43 - prenotification of GL credit authorization 44 - zero-dollar credit 47 - automated GL payment 48 - prenotification of GL debit authorization 49 - zero-dollar debit Loan Codes 52 - automated loan deposit 53 - prenotification of loan credit authorization 54 - zero-dollar credit Amount and Zero Amount Type fields from the payment request to determine the value for this field. Validation: For import, this field must contain a valid value. Otherwise, the system issues an error. If this field contains a zero-dollar code, the system issues a warning. For pass-thru, this field must contain a valid value. Otherwise the system issues an error. Copyright 2008 by Digital Insight, an Intuit company 193 ACH File Formats

Field Length Position Required Receiving DFI Identification 8 04-11 Mandatory Indicates the routing transit number for the receiving financial institution for the entry or payment request. Validation: For import and pass-thru, this field must contain a valid 8-digit number. Otherwise, the system issues a warning for import and an error for pass-thru. This value and the value in the Check Digit field must pass a Mod-10 check digit. Check Digit 1 12-12 Mandatory Indicates the check digit derived from the value in the Receiving DFI Identification field. Validation: For import and pass-thru, this field must contain a valid 1-digit number. Otherwise, the system issues a warning for import and an error for pass-thru. Rule: If the SEC code for the batch is SBA, this field must contain the value 6. DFI Account Number Total Amount 17 13-29 Required Indicates the account number for the participant at the financial institution or the payee. Validation: For import, this field must contain only numbers, letters, and hyphens. If the field contains unauthorized characters, the system skips the record, skips the associated addenda record (7 record), and fails the record is blank, the system loads the record and issues a warning. For pass-thru, this field must contain a value. Otherwise, the system issues an error. Rule: If the SEC code for the batch is SBA, this field must contain the value 312012. 10 30-39 Mandatory Indicates the amount for the entry or payment request. This is a monetary ($$$$$$$$$$ ), right-justified, and zerofilled field. Validation - For import, this field must contain 10 numeric characters. If the field Contains unauthorized characters, the system skips the record, skips the associated addenda record (7 record), and fails the record Is blank, the system loads the record and issues a warning. For pass-thru, this field must contain 10 numeric characters. Otherwise, the system issues an error. 194 Copyright 2008 by Digital Insight, an Intuit company ACH File Formats

ACH File Formats Field Length Position Required Identification Number Number of Addenda Records Receiving Company Name 15 40-54 Optional Indicates the identifier for the participant or the taxpayer ID. Validation - For import and pass-thru, this field must contain a value. Otherwise, the system issues a warning for import and an error for pass-thru. 4 55-58 Mandatory Indicates the number of addenda records associated with the entry. Pass-Thru Validation - This field must contain the total number of addenda records (7 records) associated with the entry. Otherwise, the system issues an error. Rule: If the value in the Addenda Record Indicator field is 0, this field must contain the value 0000. 16 59-74 Required Indicates the name for the participant. Pass-Thru Validation - This field must contain a value. Otherwise, the system issues an error. Reserved 2 75-76 N/A This is filler information and is a blank-filled field. Pass-Thru Validation - There is no validation. Discretionary Data Addenda Record Indicator 2 77-78 Optional Indicates discretionary data for the entry. Validation - There is no validation. 1 79-79 Mandatory Indicates whether the entry contains an addendum record. Pass-Thru Validation - This field must contain the value 0 - the entry does not contain an addendum 1 - the entry contains an addendum. Otherwise, the system issues an error. Copyright 2008 by Digital Insight, an Intuit company 195 ACH File Formats

Field Length Position Required Trace Number 15 80-94 Mandatory Indicates the unique trace number for the entry in the batch or the payment request. Validation - For import, there is no validation. However, the value in this field must match the value in the Trace Number field in the addenda record (7 record). Otherwise, the system issues a warning. For pass-thru, the First 8 digits in this field must match the value in the Originating DFI Identification field in the batch header record (5 record) and the batch control record (8 record) Remaining 7 digits must contain a unique, ascending number for each entry detail record (6 record) in the batch. The system does permit gaps in the sequence of the numbers, such as 0000001, 0000005, 0000010. Otherwise, the system issues an error. PBR Entry Detail Format Following is the format for ACH PBR Entry Detail records. Field Length Position Required Record Type Code 1 01-01 Mandatory Indicates the record is an entry detail record. Pass-Thru and Import Validation - This field must contain the value 6. Otherwise, the system skips the following records until the next 6 record is found for import and issues an error for pass-thru. Rule: The first entry detail record (6 record) in a batch must immediately follow a batch header record (5 record). 196 Copyright 2008 by Digital Insight, an Intuit company ACH File Formats

ACH File Formats Field Length Position Required Transaction Code Receiving DFI Identification 2 02-03 Mandatory Indicates the type of debit or credit entry. This field must contain one of the following values: DDA Codes 22 - automated deposit 27 - automated payment Savings Codes 32 - automated deposit 37 - automated payment Validation: For import, this field must contain a valid value. Otherwise, the system issues an error. If this field contains a zero-dollar code, the system issues a warning. For pass-thru, this field must contain a valid value. Otherwise the system issues an error. 8 04-11 Mandatory Indicates the routing transit number for the receiving depository institution for the entry or payment request. Validation: For import and pass-thru, this field must contain a valid 8-digit number. Otherwise, the system issues a warning for import and an error for pass-thru. This value and the value in the Check Digit field must pass a Mod-10 check digit. Check Digit 1 12-12 Mandatory Indicates the check digit derived from the value in the Receiving DFI or OGO Identification field. Validation: For import and pass-thru, this field must contain a valid 1-digit number. Otherwise, the system issues a warning for import and an error for pass-thru. Rule: If the SEC code for the batch is SBA, this field must contain the value 6. DFI Account Number 17 13-29 Required Indicates the account number for the participant at the financial institution or the payee. Validation: For import, this field must contain only numbers, letters, and hyphens. If the field contains unauthorized characters, the system skips the record, skips the associated addenda record (7 record), and fails the record. If the field is blank, the system loads the record and issues a warning. For pass-thru, this field must contain a value. Otherwise, the system issues an error. Rule: If the SEC code for the batch is SBA, this field must contain the value 312012. Copyright 2008 by Digital Insight, an Intuit company 197 ACH File Formats

Field Length Position Required Amount 10 30-39 Mandatory Indicates the amount for the entry or payment request. This is a monetary ($$$$$$$$$$ ), right-justified, and zerofilled field. Validation - For import, this field must contain 10 numeric characters. If the field Contains unauthorized characters, the system skips the record, skips the associated addenda record (7 record), and fails the record Is blank, the system loads the record and issues a warning. For pass-thru, this field must contain 10 numeric characters. Otherwise, the system issues an error. Individual Identification Number Individual Name Number of Addenda Records Discretionary Data 15 40-54 Optional Indicates the identifier for the participant or the taxpayer ID. Validation - For import and pass-thru, this field must contain a value. Otherwise, the system issues a warning for import and an error for pass-thru. 22 55-76 Required Indicates the name for the participant. Validation - For import and pass-thru, this field must contain a value. If the field is blank, the system Skips the record Skips the associated addenda record (7 record) Fails the record. 4 55-58 Mandatory Indicates the number of addenda records associated with the entry. Pass-Thru Validation - This field must contain the total number of addenda records (7 records) associated with the entry. Otherwise, the system issues an error. Rule: If the value in the Addenda Record Indicator field is 0, this field must contain the value 0000. 2 77-78 Optional Indicates discretionary data for the entry. Validation - For import and pass-thru, there is no validation. 198 Copyright 2008 by Digital Insight, an Intuit company ACH File Formats

ACH File Formats Field Length Position Required Addenda Record Indicator Trace Number 1 79-79 Mandatory Indicates whether the entry contains an addendum record. This field must contain the value 1 (the entry contains an addendum record.) Validation - For import there is no validation. Pass-thru Validation - This field must contain the value 1. Otherwise, the system issues an error. 15 80-94 Mandatory Indicates the unique trace number for the entry in the batch or the payment request. Validation - For import, there is no validation. However, the value in this field must match the value in the Trace Number field in the addenda record (7 record). Otherwise, the system issues a warning. For pass-thru, the First 8 digits in this field must match the value in the Originating DFI Identification field in the batch header record (5 record) and the batch control record (8 record) Remaining 7 digits must contain a unique, ascending number for each entry detail record (6 record) in the batch. The system does permit gaps in the sequence of the numbers, such as 0000001, 0000005, 0000010. Otherwise, the system issues an error. PPD Entry Detail Format Following is the format for ACH PPD Entry Detail records. Field Length Position Required Record Type Code 1 01-01 Mandatory Indicates the record is an entry detail record. Pass-Thru and Import Validation - This field must contain the value 6. Otherwise, the system skips the following records until the next 6 record is found for import and issues an error for pass-thru. Rule: The first entry detail record (6 record) in a batch must immediately follow a batch header record (5 record). Copyright 2008 by Digital Insight, an Intuit company 199 ACH File Formats

Field Length Position Required Transaction Code Receiving DFI Identification 2 02-03 Mandatory Indicates the type of debit or credit entry. This field must contain one of the following values: DDA Codes 22 - automated deposit 23 - prenotification of demand credit authorization; death notification; automated enrollment entry 27 - automated payment 28 - prenotification of demand debit authorization Savings Codes 32 - automated deposit 33 - prenotification of savings credit authorization 34 - zero-dollar credit 37 - automated payment 38 - prenotification of savings debit authorization General Ledger Codes 42 - automated GL deposit 43 - prenotification of GL credit authorization 44 - zero-dollar credit 47 - automated GL payment 48 - prenotification of GL debit authorization Loan Codes 52 - automated loan deposit 53 - prenotification of loan credit authorization Validation: For import, this field must contain a valid value. Otherwise, the system issues an error. If this field contains a zero-dollar code, the system issues a warning. For pass-thru, this field must contain a valid value. Otherwise the system issues an error. 8 04-11 Mandatory Indicates the routing transit number for the receiving depository institution for the entry or payment request. Validation: For import and pass-thru, this field must contain a valid 8-digit number. Otherwise, the system issues a warning for import and an error for pass-thru. This value and the value in the Check Digit field must pass a Mod-10 check digit. 200 Copyright 2008 by Digital Insight, an Intuit company ACH File Formats

ACH File Formats Field Length Position Required Check Digit 1 12-12 Mandatory Indicates the check digit derived from the value in the Receiving DFI Identification field. Validation: For import and pass-thru, this field must contain a valid 1-digit number. Otherwise, the system issues a warning for import and an error for pass-thru. DFI Account Number 17 13-29 Required Indicates the account number for the participant at the financial institution or the payee. Validation: For import, this field must contain only numbers, letters, and hyphens. If the field contains unauthorized characters, the system skips the record, skips the associated addenda record (7 record), and fails the record. If the field is blank, the system loads the record and issues a warning. For pass-thru, this field must contain a value. Otherwise, the system issues an error. Amount 10 30-39 Mandatory Indicates the amount for the entry or payment request. This is a monetary ($$$$$$$$$$ ), right-justified, and zerofilled field. Validation - For import, this field must contain 10 numeric characters. If the field Contains unauthorized characters, the system skips the record, skips the associated addenda record (7 record), and fails the record Is blank, the system loads the record and issues a warning. For pass-thru, this field must contain 10 numeric characters. Otherwise, the system issues an error. Individual Identification Number Individual Name 15 40-54 Optional Indicates the identifier for the participant or the taxpayer ID. Validation - For import and pass-thru, this field must contain a value. Otherwise, the system issues a warning for import and an error for pass-thru. 22 55-76 Required Indicates the name for the participant or payee. Validation - For import and pass-thru, this field must contain a value. If the field is blank, the system Skips the record Skips the associated addenda record (7 record) Fails the record. Copyright 2008 by Digital Insight, an Intuit company 201 ACH File Formats

Field Length Position Required Number of Addenda Records 4 55-58 Mandatory Indicates the number of addenda records associated with the entry. Pass-Thru Validation - This field must contain the total number of addenda records (7 records) associated with the entry. Otherwise, the system issues an error. Rule: If the value in the Addenda Record Indicator field is 0, this field must contain the value 0000. Discretionary Data Addenda Record Indicator Trace Number 2 77-78 Optional Indicates discretionary data for the entry. Validation - For import and pass-thru, there is no validation. Consolidated Payments - This field is not used for payment requests. 1 79-79 Mandatory Indicates whether the entry contains an addendum record. This field must contain the value 1 (the entry contains an addendum record.) Validation - For import and pass-thru, this field must contain the value 0 - the entry does not contain an addendum record 1 - the entry contains an addendum record. Otherwise, the system issues an error. Rule: This field must contain the value 0 if the SEC code for the payment request is PAYCO. 15 80-94 Mandatory Indicates the unique trace number for the entry in the batch or the payment request. Validation - For import, there is no validation. However, the value in this field must match the value in the Trace Number field in the addenda record (7 record). Otherwise, the system issues a warning. For pass-thru, the First 8 digits in this field must match the value in the Originating DFI Identification field in the batch header record (5 record) and the batch control record (8 record) Remaining 7 digits must contain a unique, ascending number for each entry detail record (6 record) in the batch. The system does permit gaps in the sequence of the numbers, such as 0000001, 0000005, 0000010. Otherwise, the system issues an error. 202 Copyright 2008 by Digital Insight, an Intuit company ACH File Formats

ACH File Formats RCK Entry Detail Format Following is the format for ACH RCK Entry Detail records. Field Length Position Required Record Type Code Transaction Code Receiving DFI Identification 1 01-01 Mandatory Indicates the record is an entry detail record. This field must contain the value 6. Validation - For import and pass-thru, this field must contain the value 6. Otherwise, the system Skips the following records until the next 6 record is found for import Issues an error for pass-thru. Rule: The first entry detail record (6 record) in a batch must immediately follow a batch header record (5 record). 2 02-03 Mandatory Indicates the type of debit or credit entry. This field must contain one of the following values: DDA Codes 22 - automated deposit 27 - automated payment Savings Codes 32 - automated deposit 37 - automated payment Validation - For import and pass-thru, this field must contain a valid value. Otherwise, the system issues an error. 8 04-11 Mandatory Indicates the routing transit number for the foreign receiving depository institution for the entry. Validation - For import and pass-thru, this field must contain a valid 8-digit number. Otherwise, the system issues a warning for import and an error for pass-thru. This value and the value in the Check Digit field must pass a Mod-10 check digit. Check Digit 1 12-12 Mandatory Indicates the check digit derived from the value in the Receiving DFI or OGO Identification field. Validation - For import and pass-thru, this field must contain a valid 1-digit number. Otherwise, the system issues a warning for import and an error for pass-thru. Copyright 2008 by Digital Insight, an Intuit company 203 ACH File Formats

Field Length Position Required DFI Account Number 17 13-29 Required Indicates the account number for the participant at the financial institution or the payee. Validation: For import, this field must contain only numbers, letters, and hyphens. If the field Contains unauthorized characters, the system skips the record, skips the associated addenda record (7 record), and fails the record Is blank, the system loads the record and issues a warning. For pass-thru, this field must contain a value. Otherwise, the system issues an error. Amount 10 30-39 Mandatory Indicates the amount for the entry or payment request. This is a monetary ($$$$$$$$$$ ), right-justified, and zerofilled field. Validation - For import, this field must contain 10 numeric characters. If the field Contains unauthorized characters, the system skips the record, skips the associated addenda record (7 record), and fails the record Is blank, the system loads the record and issues a warning. For pass-thru, this field must contain 10 numeric characters. Otherwise, the system issues an error. Identification Number Receiving Company Name Discretionary Data 15 40-54 Optional Indicates the identifier for the participant or the taxpayer ID. Validation - For import and pass-thru, this field must contain a value. Otherwise, the system issues a warning for import and an error for pass-thru. 22 55-76 Required Indicates the name for the participant or payee. Validation - For import and pass-thru, this field must contain a value. If the field is blank, the system Skips the record Skips the associated addenda record (7 record) Fails the record. 2 77-78 Optional Indicates discretionary data for the entry. Validation - For import and pass-thru, there is no validation. Consolidated Payments - This field is not used for payment requests. 204 Copyright 2008 by Digital Insight, an Intuit company ACH File Formats

ACH File Formats Field Length Position Required Addenda Record Indicator Trace Number 1 79-79 Mandatory Indicates whether the entry contains an addendum record. This field must contain the value 1 (the entry contains an addendum record.) Validation - For import and pass-thru, this field must contain the value 0 if the entry does not contain an addendum record 1 if the entry contains an addendum record. Otherwise, the system issues an error. 15 80-94 Mandatory Indicates the unique trace number for the entry in the batch or the payment request. Validation - For import, there is no validation. However, the value in this field must match the value in the Trace Number field in the addenda record (7 record). Otherwise, the system issues a warning. For pass-thru, the First 8 digits in this field must match the value in the Originating DFI Identification field in the batch header record (5 record) and the batch control record (8 record) Remaining 7 digits must contain a unique, ascending number for each entry detail record (6 record) in the batch. The system does permit gaps in the sequence of the numbers, such as 0000001, 0000005, 0000010. Otherwise, the system issues an error. WEB Entry Detail Format Following is the format for ACH WEB Entry Detail records. Copyright 2008 by Digital Insight, an Intuit company 205 ACH File Formats

Field Length Position Required Record Type Code Transaction Code Receiving DFI Identification 1 01-01 Mandatory Indicates the record is an entry detail record. This field must contain the value 6. Validation - For import and pass-thru, this field must contain the value 6. Otherwise, the system Skips the following records until the next 6 record is found for import Issues an error for pass-thru. Rule: The first entry detail record (6 record) in a batch must immediately follow a batch header record (5 record). 2 02-03 Mandatory Indicates the type of debit or credit entry. This field must contain one of the following values: DDA Codes 27 - automated payment 28 - prenotification of demand debit authorization Savings Codes 37 - automated payment 38 - prenotification of savings debit authorization Validation - For import and pass-thru, this field must contain a valid value. Otherwise, the system issues an error. 8 04-11 Mandatory Indicates the routing transit number for the foreign receiving depository institution for the entry. Validation - For import and pass-thru, this field must contain a valid 8-digit number. Otherwise, the system issues a warning for import and an error for pass-thru. This value and the value in the Check Digit field must pass a Mod-10 check digit. Check Digit 1 12-12 Mandatory Indicates the check digit derived from the value in the Receiving DFI or OGO Identification field. Validation - For import and pass-thru, this field must contain a valid 1-digit number. Otherwise, the system issues a warning for import and an error for pass-thru. 206 Copyright 2008 by Digital Insight, an Intuit company ACH File Formats

ACH File Formats Field Length Position Required DFI Account Number 17 13-29 Required Indicates the account number for the participant at the financial institution or the payee. Validation: For import, this field must contain only numbers, letters, and hyphens. If the field Contains unauthorized characters, the system skips the record, skips the associated addenda record (7 record), and fails the record Is blank, the system loads the record and issues a warning. For pass-thru, this field must contain a value. Otherwise, the system issues an error. Amount 10 30-39 Mandatory Indicates the amount for the entry or payment request. This is a monetary ($$$$$$$$$$ ), right-justified, and zerofilled field. Validation - For import, this field must contain 10 numeric characters. If the field Contains unauthorized characters, the system skips the record, skips the associated addenda record (7 record), and fails the record Is blank, the system loads the record and issues a warning. For pass-thru, this field must contain 10 numeric characters. Otherwise, the system issues an error. Identification Number Individual Name Payment Type Code 15 40-54 Optional Indicates the identifier for the participant or the taxpayer ID. Validation - For import and pass-thru, this field must contain a value. Otherwise, the system issues a warning for import and an error for pass-thru. 22 55-76 Required Indicates the name for the participant or payee. Validation - For import and pass-thru, this field must contain a value. Otherwise, the system issues an error. 2 77-78 Required Indicates the payment type for the entry. This field must contain one of the following values from the Payment Type field on the batch: R - Recurring payment S - Single, one-time payment Validation - For import and pass-thru, this field must contain a valid value. Otherwise, the system issues an error. Copyright 2008 by Digital Insight, an Intuit company 207 ACH File Formats

Field Length Position Required Addenda Record Indicator Trace Number 1 79-79 Mandatory Indicates whether the entry contains an addendum record. This field must contain the value 1 (the entry contains an addendum record.) Validation - For import and pass-thru, this field must contain the value 0 if the entry does not contain an addendum record 1 if the entry contains an addendum record. Otherwise, the system issues an error. 15 80-94 Mandatory Indicates the unique trace number for the entry in the batch or the payment request. Validation - For import, there is no validation. However, the value in this field must match the value in the Trace Number field in the addenda record (7 record). Otherwise, the system issues a warning. For pass-thru, the First 8 digits in this field must match the value in the Originating DFI Identification field in the batch header record (5 record) and the batch control record (8 record) Remaining 7 digits must contain a unique, ascending number for each entry detail record (6 record) in the batch. The system does permit gaps in the sequence of the numbers, such as 0000001, 0000005, 0000010. Otherwise, the system issues an error. Standard Addenda Format (CCD, CTX, PPD, WEB) Following is the format for ACH standard addenda. 208 Copyright 2008 by Digital Insight, an Intuit company ACH File Formats

ACH File Formats Field Length Position Required Record Type Code Addenda Type Code Payment Related Information Addenda Sequence Number Entry Detail Sequence Number 1 01-01 Mandatory Indicates the record is an addendum record. This field must contain the value 7. Validation - For import, the system verifies that This field contains the value 7 The previous entry detail record (6 record) contains the value 1 in the Addenda Record Indicator field. Otherwise, the system issues a warning. For pass-thru, this field must contain the value 7. Otherwise, the system issues an error. Rule: The addenda record (7 record) must immediately follow the associated entry detail record (6 record) or another addenda record. 2 02-03 Mandatory Indicates the type of addendum. This field must contain the value 05. Validation - For import, there is no validation. For pass-thru, this field must contain the value 05. Otherwise, the system issues an error. 80 04-83 Mandatory Indicates the addendum information. Validation - For import and pass-thru there is no validation. 4 84-87 Mandatory Indicates the sequential number assigned to each addendum that is associated with the entry or payment request. The first addendum must contain the value 0001. Validation - For import there is no validation. For pass-thru, this field must contain the value 0001 for the first addenda record (7 record) following an entry detail record (6 record) a sequential, ascending number for any additional addenda records (applies to only CTX). Otherwise the system issues an error. 7 88-94 Mandatory Indicates the sequential trace number in the Trace Number field from the entry detail record (6 record). Validation: For import and pass-thru, the system verifies that the value in this field matches the value in the Trace Number field on the associated entry detail record (6 record). Otherwise, the system Skips the entry detail record and addenda record for import Issues an error for pass-thru. Copyright 2008 by Digital Insight, an Intuit company 209 ACH File Formats

Cross-Border Addenda Format (CBR and PBR) Following is the format for an ACH cross-border addenda. Field Length Position Required Record Type Code Addenda Type Code 1 01-01 Mandatory Indicates the record is an addendum record. This field must contain the value 7. Validation - For import, the system verifies that This field contains the value 7 The previous entry detail record (6 record) contains the value 1 in the Addenda Record Indicator field. Otherwise, the system issues a warning. For pass-thru, this field must contain the value 7. Otherwise, the system issues an error. Rule: The addenda record (7 record) must immediately follow the associated entry detail record (6 record) or another addenda record. 2 02-03 Mandatory Indicates the type of addendum. This field must contain the value 01. Validation - For import, there is no validation. For pass-thru, this field must contain the value 01. Otherwise, the system issues an error. 210 Copyright 2008 by Digital Insight, an Intuit company ACH File Formats

ACH File Formats Field Length Position Required Transaction Type Code Foreign Receiving DFI Identification Foreign Payment Amount Foreign Trace Number Foreign Receiver s Account Number 3 04-06 Required Indicates the code that identifies the type of transaction. This field must contain one of the following values: ANN - annuity BUS - business or commercial DEP - deposit LOA - loan MIS - miscellaneous MOR - mortgage PEN - pension RLS - rent or lease SAL - salary or payroll TAX - tax Validation - For import, there is no validation. For pass-thru, this field must contain a value. Otherwise the system issues an error. 11 07-17 Required Indicates the routing transit number for the foreign receiving depository financial institution (RDFI) for the addendum record. Validation - For import, there is no validation. For pass-thru, this field must contain a value. Otherwise the system issues an error. 15 18-32 Required Indicates the amount for the addendum record. This is a monetary ($$$$$$$$$$ ), rightjustified, and zero-filled field. Validation - For import, there is no validation. For pass-thru, this field must contain a value. Otherwise the system issues an error. 22 33-54 Optional Indicates the trace number assigned to the entry detail record (6 record) by the originator. Validation - For import and passthru, there is no validation. 25 55-79 Required Indicates the account number for the participant at the financial institution. Validation - For import, there is no validation. For pass-thru, this field must contain a value. Otherwise the system issues an error. Copyright 2008 by Digital Insight, an Intuit company 211 ACH File Formats

Field Length Position Required Trace Number 15 80-94 Mandatory Indicates the trace number for the associated entry detail record (6 record). Validation - For import, there is no validation. For pass-thru, this field must contain a value. Otherwise the system issues an error. Batch Control (Trailer) Format Following is the format for an ACH batch control (trailer) record. Field Length Position Required Record Type Code Service Class Code 1 01-01 Mandatory Indicates the record is the batch trailer. This field must contain the value 8. Validation - For import and passthru, this field must contain the value 8. Otherwise, the system Fails the load for import Issues an error for pass-thru. Rule: The batch control record (8 record) must immediately precede the next batch header record (5 record) or the file control record (9 record) for the ACH file. 3 02-04 Mandatory Indicates the service class code for the batch or payment request. This field must contain one of the following values: 200 - contains credits and debits 220 - contains only credits 225 - contains only debits Validation - For import and passthru, this field must Contain one of the valid values Match the value in the Service Class Code field in the batch header record (5 record). Otherwise, the system issues a warning for import and an error for pass-thru. 212 Copyright 2008 by Digital Insight, an Intuit company ACH File Formats

ACH File Formats Field Length Position Required Entry/Addenda Count 6 05-10 Mandatory Indicates the number of batch entry records (6 records) and addenda records (7 records) in the batch. Validation - For import and passthru, this field must contain the total number of batch entry records (6 records) and addenda records (7 records). Otherwise, the system issues a warning for import and an error for pass-thru. Entry Hash 10 11-20 Indicates the total from all Receiving DFI or OGO Identification fields in the entry detail records (6 records) in the batch. This is a numeric, rightjustified, and zero-filled field. Validation - For import and passthru, the system calculates this value per NACHA specifications. The value in this field must match the value in the Entry Hash field in the file control record (9 record). Otherwise, the system issues a warning for import and an error for pass-thru. Total Debit Entry Dollar Amount Total Credit Entry Dollar Amount 12 21-32 Mandatory Indicates the total debits from all Amount fields in the entry detail records (6 records) in the batch. This is a monetary ($$$$$$$$$$ ), right-justified, and zero-filled field. Validation - For import and passthru, this field must contain the total debits from all Amount fields on the entry detail records (6 records) for the batch. Otherwise, the system issues a warning for import and an error for pass-thru. 12 33-44 Mandatory Indicates the total credits from all Amount fields in the entry detail records (6 records) in the batch. This is a monetary ($$$$$$$$$$ ), right-justified, and zero-filled field. Validation - For import and passthru, this field must contain the total credits from all Amount fields on the entry detail records (6 records) for the batch. Otherwise, the system issues a warning for import and an error for pass-thru. Copyright 2008 by Digital Insight, an Intuit company 213 ACH File Formats

Field Length Position Required Company Identification Message Authentication Code 10 45-54 Required Indicates the ACH company ID associated with the batch or payment request. Validation - For import, the system verifies that the value in this field is a valid company identifier in the system and that it matches the value in the Company Identification field in the batch header record (5 record). Otherwise, the system skips the entire batch and issues an error. For pass-thru, this field must contain a value. Otherwise, the system issues an error. Rule: If the SEC code for the batch is SBA, this field must contain the value 1999999999. 19 55-73 Optional Indicates the authentication code for the batch. Validation - For import and passthru, there is no validation. Reserved 6 74-79 N/A This is filler information and is a blank-filled field. Validation - For import and passthru, there is no validation. Originating DFI Identification 8 80-87 Mandatory Indicates the routing number for the originator. Validation - For import, there is no validation. For pass-thru, the value in this field must match the value in the Originating DFI Identification field on the batch header record (5 record). Otherwise, the system issues an error. 214 Copyright 2008 by Digital Insight, an Intuit company ACH File Formats

ACH File Formats Field Length Position Required Batch Number 7 88-94 Mandatory Indicates the ascending sequential number the ODFI assigned to the batch. Validation - For import, there is no validation. For pass-thru, the value in this field must Match the value in the Batch Number field on the batch header record (5 record) Be unique from the batch numbers of other batches on the ACH pass-thru file. You must assign a unique, ascending number to each batch on the ACH pass-thru file. The system does permit gaps in the sequence of batch numbers, such as 0000001, 0000005, 0000010. Otherwise, the system issues an error. Comma-Separated Value (CSV) File Format Sample Field Name Contents Origin Field Participant ID # Report Header Hard-Coded Text Participant Name Report Header Hard-Coded Text User Batch code Name Effective Entry Date Report Header Report Header Hard-Coded Text Hard-Coded Text Amount Report Header Hard-Coded Text Status Report Header Hard-Coded Text Activated or Approved Company Report Header Hard-Coded Text Company Name Bank ABA Report Header Hard-Coded Text Bank Account Report Header Hard-Coded Text Type Report Header Hard-Coded Text Checking or Savings Activator Report Header Hard-Coded Text Copyright 2008 by Digital Insight, an Intuit company 215 ACH File Formats

Field Name Contents Origin Field Activation Date Report Header Hard-Coded Text Transaction Type Report Header Hard-Coded Text Bank Trace Number Customer Trace Number Report Header Report Header Hard-Coded Text Hard-Coded Text Approver Report Header Hard-Coded Text Approval Date Report Header Hard-Coded Text Credit/Debit Report Header Hard-Coded Text Credit or Debit State Report Header Hard-Coded Frozen, Prenote, or Active Addenda Report Header Hard-Coded NACHA File Report Sample Following is an example of a NACHA file report: 216 Copyright 2008 by Digital Insight, an Intuit company ACH File Formats

Index A About this Guide...xiii ACH definition... 1 Security... 3 ACH Setup Tasks bank personnel... 16 corporate administrators... 17 corporate users... 17 ACH Batch Control trailer record... 212 ACH Batch Detail Status Report Page... 139 ACH Batch process... 7 ACH Batch Summary Status Report Page... 135 ACH Batch Templates... 6 ACH Companies... 3 ACH Company ID Report Page... 60 ACH Company Maintenance... 53 ACH Customer File Name Maintenance.. 65 ACH Customer Settings Page... 76 ACH Cutoff and Activation Time Data Entry Page... 40 ACH Cutoff and Activation Time Maintenance... 37 ACH Cutoff and Activation Time Report Page... 43 ACH Cutoff Report... 43 ACH Cutoff Times Data Entry... 40 ACH Cutoff Times Time Selection Page.. 39 ACH Delete Confirmation Summary Page... 161 ACH End Point Maintenance... 45 ACH Exception Report Page... 166 ACH Exception Report Selection Page.. 163 ACH Exception Reporting... 163 ACH File Formats... 171 ACH File Summary Status Report Page. 133 ACH Host End Point Report Page... 51 ACH Host End Point Selection Page... 46 ACH Import Files... 7 ACH Map Definition... 87 Detail Page... 122 ACH pass through files... 9 ACH Pass-Thru Report... 143 ACH Pass-Thru Report Page... 145 ACH Pass-Thru Report Selection Page.. 144 ACH Report Summary Page... 153 ACH Report... 149 ACH Report Detail Page... 156 ACH Report Selection Page... 150 ACH Services... 10 ACH Settings... 19 ACH Settings Page... 21 ACH Status Report... 131 ACH Status Report Selection Page... 132 ACH Summary Report Page... 153 ACH Transaction Type Codes... 169 ACH Transaction Type Maintenance... 29 ACH User Interface... 14 ACH User Settings Page... 80 ACH Uses Permissions... 71 Copyright 2008 by Digital Insight, an Intuit company 217 Index

Add Map Page(Delimited)... 93 Add Map Page(Fixed)... 101 Approvals... 3 Authorization Limits Page... 82 B Batch Detail Report... 156 Batch process... 7 Batch Templates... 6 Business Consulting...xviii C CBR Entry Detail Record format... 184 CCD Entry Detail Record format... 188 Client Support Center... xvii Comma-Separated Value (CSV) File Format... 215 Company Information Add Page... 58 Company Information Selection Page... 56 Company Maintenance... 53 Company Permissions Selection... 73 Conference...xviii Consolidated Payments... 4 Cross Border Batch Header Record format... 179 Cross-border addenda record format... 210 CSV File Format... 215 CTX Entry Detail Record format... 192 Custom Programming...xviii Customer File Name Maintenance... 65 Customer Selection Page... 66 Cutoff times... 37 Cutoff Times... 2 218 Copyright 2008 by Digital Insight, an Intuit company Index D Delete Map Page... 115 Document Conventions... xiv Documentation... xvi E Edit Map Page... 108 End Point Data Entry Page... 48 End Point Delete Page... 50 End Point Maintenance... 45 End Point Selection Page... 46 Exception Reporting... 163 F File Formats... 171 File Header format... 173 File Name Parameters Page... 67 File Name Report Page... 68 I Import Files... 7 Import Maps Page... 90 L Limits 4 M Map Add Page (Delimited)... 93 Map Add Page (Fixed)... 101 Map Definition... 87 Map Delete Page... 115 Map Detail Page... 122 Map Edit Page... 108 Market Segmentation... 5 Menu Interfaces... 18

Index N NACHA file report... 216 National Conference...xviii O Offset Accounts... 54 Offset Accounts Page... 63 P Pass through files... 9 Pass-Thru Report... 143 PBR Entry Detail Record format... 196 Permissions Selection Page... 73 PPD Entry Detail Record format... 199 Proactive bulletins... 9 Product Documentation Library... xvi Programming...xviii Project Management...xviii R RCK Entry Detail Record format... 203 Recurring Payments... 9 Report Detail Page... 156 S SEC Codes... 1 Security... 3 Standard Addenda record format... 208 Standard Batch Header Record format... 175 Status Report... 131 Summary Report... 153 Support... xvii T Trailer record... 212 Training Services... xvi Transaction Type Codes... 3 Transaction Type Permissions Page... 81 Transaction Type Selection Page... 32 Transaction Types... 29 Transaction Types Page... 61 U User Overall Limits Page... 78 User Permissions Authorization Limits... 82 Customer Settings... 76 Transaction Type... 81 User Overall Limits... 78 User Settings... 80 Uses Permissions... 71 W Web Entry Detail Record format... 205 Where to Find More Information... xvi Copyright 2008 by Digital Insight, an Intuit company 219 Index

220 Copyright 2008 by Digital Insight, an Intuit company Index