About your TM Service

ACH transactions submitted prior to 2:15 pm. ET Monday through Friday will be processed the same day.

The daily cutoff time for submitting domestic Wire Transfers is 6:15 p.m. ET. For international wires, the cutoff time is 4:30 p.m. ET.

We transferred your ACH and/or Wire templates to Payment Center. If we were unable to transfer a template for any reason, you may need to define it in Payment Center.

Yes. All payments in Payment Center require some form of approval (automatic approval, approval by submitter as a second step, or approval by a second user). If a payment is not in Approved status, it will not be extracted for processing.

For added security, users sending Wire Transfers may receive a phone call for verification.

When entering a Wire payment or template, a “Purpose of Wire” entry is always required. This field can be found under Payment Details, Line 1, “Purpose of Wire” on your wire form. If this field was not populated in a transferred template, you may need to modify the template to include the “Purpose of Wire” before the template can be used to send a payment.

ACH reversals and deletes (transactions and/or batches) may be submitted by an authorized company representative by emailing an ACH Maintenance form to us. The ACH Maintenance form can be found in Business Online under “Contact Us”.

Payment Center supports the payment types outlined below. However, you may not have access to all types depending on your historical use of the ACH network:

Credit Origination: cash disbursement, corporate vendor payments, corporate trade exchange (CTX), payroll, child support payments, tax payments (federal, state, and local), and consumer payments.

Debit Origination: cash concentration, corporate collections, consumer collections, WEB, and TEL

Nacha File Import: used in place of ACH Pass-Thru to upload a Nacha file

When creating an ACH payment batch, users should not include an offsetting entry to balance the batch. Similarly, when using the Nacha File Import feature to upload a Nacha file, the file should not contain an offsetting entry to balance the file. The settlement account defined for the ACH Company ID included in the file will automatically be offset.

A variety of reports are provided as part of the Payment Center service to help you manage and monitor payment activity. These include the following:

• Payments Reports: ACH Company Report, Payment Detail Report, Template Detail Report, Payment and Template Background Processing Report, and Recurring Payment Exception Report
• Admin Reports: Roles Report, BOL Company Detail Report, and User Permissions Report

Alerts did not transfer from your prior service, but you can reestablish alerts in Payment Center.

Payment Center offers a robust set of Alert options to help you stay on top of user and payment activities. These include the following:

• Admin Alerts: User Maintenance Alert, Role Maintenance Alert, and Beneficiary Address Book Maintenance Alert
• Payments Alerts: Payment Automatically Created Alert, Payments Awaiting My Approval Alert, Approval Window Passed, Approver Requested Payments Alert, File Import Confirmation for Payments, Wire Payments Rejected Today Alert, Wire Exchange Rate Needed Alert, Payment Cutoff Time Warning, Payments Processed Alert, Payments Balance Check Alert, Templates Awaiting Approval, ACH Returns/NOC Report Available

Access to Payment Center is controlled by role-based entitlements. A role-based entitlement can control which functions a user can access and what limits may be placed on payment and transfer activities. Access is granted by defining roles and then applying those roles to users, instead of creating separate access profiles for each user. You may choose to assign the roles we created for you, or you may choose to create new roles specific to your needs.

Dashboard View: A customizable dashboard will allow you to go directly to the screens and tasks you interact with most often.

Monitoring: Customize your list views to view the data that’s important or utilize the default list views to complete tasks faster.

Beneficiary Address Book: Consolidate all your beneficiary information in this directory and then access and auto-fill your payment transactions.

Search Capabilities: Perform a detailed search for a single transaction or use filter functionality to search through ACH or Wire transactions.

Reporting: Customizable list view is available to help you add/remove fields, drop/drag columns to the order you’d like, and save the view to utilize each time you log in.

Fraud Mitigation: Audit Information will provide detailed administrative changes to users, roles, and entitlements as well as payments or templates, so you’re always aware of a change in user capabilities or payment instructions.

For all limits, historical activity was reviewed. ACH limits were calculated independently for debit and credit exposure. Both the Daily Limit and the Exposure Limit were calculated to include a buffer based on historical trends. Wire historical activity was reviewed independently for both Domestic and International transactions. The Daily Cumulative Wire Limit as well as the Per Transaction Wire Limit were created to include a buffer based on historical trends.

If your ACH daily and/or Exposure limit is exceeded, your ACH batches will be suspended from processing, and your Relationship Manager will contact you. If you need to send a Wire that is more than your established Limits, contact your banker to assist in reviewing and completing the necessary steps.