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User Manual

Online Treasury Manager: Positive Pay

Online Treasury Manager Positive Pay User Manual

Table of Contents

OVERVIEW ......................................................................................................................................................... 1 System Access......................................................................................................................................................................1 Login/Logout Procedures .................................................................................................................................................2 Online Treasury Manager Modules ..................................................................................................................................2 Accessing Images ................................................................................................................................................................3 System Availability and Cut-Off Times............................................................................................................................3 POSITIVE PAY ................................................................................................................................................... 6 Positive Pay Report ............................................................................................................................................................7 Pay an exception check.....................................................................................................................................................8 Return an exception check................................................................................................................................................8 Exception check images ...................................................................................................................................................9 Issue Report ......................................................................................................................................................................11 Add an issue record ........................................................................................................................................................12 Void a check issue record ...............................................................................................................................................13 Check Return ....................................................................................................................................................................14 Return a check ................................................................................................................................................................15

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Online Treasury Manager Positive Pay User Manual

OVERVIEW

With Online Treasury Manager, you can stay connected to SunTrust over the Internet. There's no software to load, no security devices to install and no intensive programming efforts to send and receive files. Just link to SunTrust using a standard web browser, and you're connected to the source for you treasury management needs. To ensure the privacy of your company's financial information, SunTrust provides multiple levels of security. From firewalls to passwords and encryption, the system is designed to safeguard your privacy. In addition, your Security Administrator determines who in your company can access information, as well as who can initiate and approve transactions.

System Access

Online Treasury Manager can be accessed on the Internet at this address: https://onlinetreasurymanager.suntrust.com. IDs and Passwords A combination of 4 elements (Customer ID, Customer Password, User ID, User Password) is required to access Online Treasury Manager. You will be required to create a new password when you access the system for the first time. Your password must be changed every 30 days. Online Treasury Manager prohibits the re-use of your previous 12 passwords. Inactivity Time Out The system will time out, suspending access, if your session is idle for more than 15 minutes. However, during a timeout period, your browser can remain connected to Online Treasury Manager. Access can be regained by re-entering your user password. Activity in Online Treasury Manager is recorded by screen changes or the use of the Submit button. If inactivity exceeds 30 minutes, you will have to re-enter all login information to sign back into the system. Please note that data entry alone is not considered activity. When entering large blocks of data, click on "Submit Changes" periodically, to avoid inactivity time-out. Important Notes When using Online Treasury Manager, please do not use your browser's "Refresh" button. In some cases, this could cause a form to be submitted twice. Do not use the "Back" button, unless specifically instructed. While clicking the back button will return you to the previous page, it will not reverse any transactions performed prior to your clicking the back button. Required fields With exception to the login screen, required data entry fields for Online Treasury Manager are noted in red.

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Online Treasury Manager Positive Pay User Manual

Login/Logout Procedures After entering your Customer ID, customer Password, your User ID, and your user Password, and click on the Login button.

Customer ID

customer password

your User ID

your password

To exit the system you must click Logout, found at the top of the screen after this logon page. Online Treasury Manager Modules Each module of Online Treasury Manager is accessible from the drop down box at the top left of your screen.

You will only see those groups that your user ID has permission to access.

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Accessing Images

Online Treasury Manager utilizes the ImageInsight java applet, distributed by CheckWorks, Inc, to retrieve and distribute images to your desktop. When you click on an Image icon for the first time, the java applet downloads to your desktop dynamically. This "Java Plug-in Security Warning" window appears.

Click Grant Always

·

Click on the Grant Always button

Within a few seconds, you should see your image. · · If you do not see the image within a few minutes, close the image window and start over. If you still do not see an image within the next 5 minutes, contact your IT department, as you may not have admin rights to install software on your PC. If so, your Administrator will have to logon and install the Java applet for you.

If you continue to have problems, contact the Technical Services Group at 1-877-785-6925

System Availability and Cut-Off Times

Online Treasury Manager can be accessed 24 hours a day, seven days a week for information reporting and transaction initiation services. Specific account information is updated at various times throughout the day. When new features and functions become available, these releases are introduced on weekends during non-business hours to minimize any disruption to your usage of the service.

Function ACH Initiate Cutoff Time 10:30 A.M., 2:30 P.M., 5:30 P.M., and 7:30 P.M. Retention Notes The cut-off for both Debits and Credits is 7:30 P.M. ET two days prior to effective date. Files received by 10:30 A.M. ET one-day prior will be processed on a best effort basis. ACH Batches can be sent a max of 14 calendar days in advance. 7:00 P.M. 4:00 P.M. Follow same guidelines as ACH Initiate. In order for an ACH batch to meet the 4:00 P.M. deadline it will have to have been received prior to the 2:30 P.M. cutoff time. 186 Cal. Days OTM ACH initiated activity (about 6 months)

ACH Batches ACH Pass-Thru ACH Reversal

ACH Reports

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Function Audit Activity Account Transfer 5:30 P.M. Cutoff Time Retention 93 Cal. Days If it is done before 5:30pm, it is the Same Day. If it is after 5:30, it is Next Day. Account Transfers are processed by the ACH system. Account Transfers can be sent a max of 14 calendar days in advance. 186 Cal. Days 7:00 A.M. 93 Cal. Days 93 Cal. Days Vary upon service 93 Cal. Days ACH Transactions - 7:30 a.m. Account Transfers ­ Real-time Controlled Disbursement, Late Presentment ­ 10:00 a.m. Lockbox - 8:30 a.m. Wire Transfers ­ Real-time 5 Business Days (about 6 months) Date range inquiries limited to 45 days at a time. Notes

Account Transfers Account Transfer Reports Balance Reporting Previous Day Balance Reporting ­ Previous Day (Images) Balance Reporting Same Day

ERD Special Reports ERD (CAR) ERD (ACH/EDI Receiving) Image Image (Transit Items) Positive Payment Report - Available at 10 A.M. Exceptions/Images (Pos Pay accounts only) Positive Payment Exception Pay/Return Decision-Making Positive Payment Report Reverse Positive Payment and Payable Thru Draft (Check Return) 2:00 P.M. Same Day 8:00 a.m. 9:00 a.m.

7 Cal. Days 7 Cal. Days 7 Cal. Days 7 Years 5 Years 93 Cal. Days

Paid items, deposits

This is the earliest time the Positive Payment reports are available for exception decisionmaking. This is the deadline to notify the Bank regarding the validity of the current business day's mismatched checks. A Pay or Return decision is required by this time.

Available at 9 A.M.

93 Cal. Days

This is the earliest time the Positive Payment reports are available for exception decisionmaking. Images of checks or draft items are available through the Image or Balance Reporting modules. This is the deadline to notify the Bank regarding the validity of the previous business day's paid checks. Return decisions are required by this time.

Positive Payment Return 2:00 P.M. Same Day Decision-Making Reverse Positive Payment and Payable Thru Draft (Check Return) Manual Issue/Void Input Deadline 5:00 P.M.

Positive Payment Images Available at 7:00 A.M. Current Month + - PREV DAY One Month of History (CPR accounts only)

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Function Cutoff Time Retention 93 Cal. Days Notes This is the earliest time the Positive Payment reports are available for exception decisionmaking. Bank provides on-line access to images of the current day's mismatched checks. This is the deadline to notify the Bank regarding the validity of the previous business day's mismatched checks. A Pay or Return decision is required by this time. 186 Cal. Days Stop should be available to tellers within seconds during normal bank business hours. Otherwise, the stop is in queued status. Stops are effective for 6 months.

Positive Payment Report - Available at 1:00 P.M. Images/Exceptions (CPR accounts only)

Positive Payment Exception Pay/Return Decision-Making (CPR accounts only) Stop Payments Placed

12:00 P.M. Next day

8:00 A.M. ­ 10:00 P.M. (DDA and ARP Accounts Only) 12:00 P.M. - 10:00 P.M. (CPR Accounts Only) ARP and DDA accounts ­ no time constraints 12:00 P.M. - 10:00 P.M. (CPR Accounts Only)

Stop Payment and Paid Item Inquiry

93 Cal. Days

Information is stored for 186 calendar days (about 6 months).

Stop Payment Reports Stop Payment Summary Stop (Images) Availability 11:00 A.M.

186 Cal. Days No limit.

(about 6 months)

Current Month + Bank provides on-line access to images of paid One Month of checks from previous business day. History 45 Calendar Days Wires received after 5:30 P.M. are subject to next-day processing. Domestic wires and international wires in US Dollars can be future dated a max of 30 calendar days in advance. Foreign currency wires cannot be future dated.

Stop (Images - Mid Atlantic Accounts) Wire Wire

11:00 A.M. 8:00 A.M. ­ 5:30 P.M.

Wire (By Phone) Wire Report

8:30 A.M. ­ 4:30 P.M. 186 Cal. Days

Wires done by phone ONLY. This is only for the Wire Report under the Wire Transfer module. ** All times are in Eastern time zone

b

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Online Treasury Manager Positive Pay User Manual

POSITIVE PAY

During the check fraud prevention process, SunTrust compares your issued check register to the checks presented for payment. SunTrust identifies exception checks, or checks that do not meet the exception criteria, and sends the exception check information to Online Treasury Manager. With Positive Pay, you have until the daily cutoff time to review the exception checks and add processing instructions to the Positive Pay Report, which tell SunTrust whether to pay or return the exception checks. After the daily cutoff time, you cannot enter processing instructions but you can use the Positive Pay report to review exception check activity. If you do not enter processing instructions for an exception check, your default payment instructions dictate whether to pay or return the check. If you issue checks or void checks that are not reflected in the issue file, you can keep the information in the check register current by using Online Treasury Manager. At the daily cutoff time, Online Treasury Manager collects the manual check and void requests entered that day, and the information is added to your issue file at SunTrust. Reverse Positive Pay is a service that allows you to receive a list of paid checks from SunTrust. With Reverse Positive Pay, you have until the daily cutoff time to submit your return decisions on the Check Return Report. Images of the exception checks may be obtained through the Image or Balance Reporting modules. Notes: For image retrieval, access to the viewer requires the installation of the ImageInsight Java applet. To download the applet, please see Accessing Images in the Introduction section of this document. For Positive Pay cut-off times, retention, and other processing notes, please refer to System Availability and Cut-off Times in the Overview section of this user manual.

Feature Functionality The following features are available in the Positive Pay module:

Feature Function

Check Return

· · · · ·

Access Check Return Report Submit Return Decisions Access Manual Entry Report Add Issue Record Void Check Issue Record Access Positive Pay Report Submit Processing Instructions Access Exception Check Image Add Check Issue Record Void Check Issue Record

Issue Report

Pos Pay Report

· · · · ·

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Online Treasury Manager Positive Pay User Manual

Positive Pay Report

To access the Positive Pay Report, · · Select Positive Pay from the group drop-down list Select the Pos Pay Report tab from the task bar and click Submit

123456 ­ SunTrust Test Account Positive Pay ­ 987654321 123456 ­ SunTrust Test Account Positive Pay ­ 987654321 123456 ­ SunTrust Test Account Positive Pay ­ 987654321 123456 ­ SunTrust Test Account Positive Pay ­ 987654321 123456 ­ SunTrust Test Account Positive Pay ­ 987654321

Click the Submit button to review all of today's exceptions for all accounts

Report Options You can customize the Positive Pay Report by limiting the account(s) to display and indicating ranges for date, serial number, and amount. You can specify the exception reason and the item status. You can change the item display by having the system scroll through all the exception checks or change the number of exceptions presented at a time. In addition, you can change the sort order of the report.

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Online Treasury Manager Positive Pay User Manual Online Treasury Manager's default Positive Pay Report lists all exceptions on every account. It displays your exceptions in groups of 25 at a time, sorted by date and amount.

Click the Image icon to review a copy of the check

Select Return to return an exception check and select a Return Reason

June 30, 2005 June 30, 2005

1234 1234

123.45 123.45

1234566 1234566

ARP-Issue Date Missing ARP-Issue Date Missing

Select Pay to pay an exception check Click Submit Instructions for every page of the exception report

From the Positive Pay Report, you can enter one or all of the disposition instructions for your exception checks. When Online Treasury Manager presents more than one page of exception items, you must click Submit for the current page before proceeding to the Next page.

Pay an exception check

· ·

Select Pay from the Instructions drop-down box Click Submit Instructions. This button must be clicked for every report page.

Return an exception check · · Select Return from the Instructions drop-down box Select a Return Reason from the drop-down box Click Submit Instructions. This button must be clicked for every report page.

·

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Exception check images You can retrieve an image of the exception check to assist in your disposition decisions. From the Positive Pay Report, · Click on the check Image icon

Online Treasury Manager presents the associated check image in the enhanced image viewer.

Presented in the viewer from left to right, the following tools are available to facilitate online image research: · · · · · · · Save ­ Save the displayed image to disk for future use (*.tif format). Print ­ Prints the front and bank of the imaged item on a single page. Zoom ­ Zooms in and out on the image. Reverse ­ Changes image from black-on-white to white-on-black, to make small or fine print easier to read. Rotate ­ Turns the image 90-degress to read endorsements, etc. Brightness and Contrast ­ Adjust either image attribute to make dark or faint print more legible. Front and Back ­ Alternate between the front and back of an image.

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Online Treasury Manager Positive Pay User Manual Instruction Confirmation Online Treasury Manager confirms your actions when you enter processing instructions and click Submit Instructions on the Positive Pay Report page.

55555 55556

$23.49 $32.49

87654321 87654321

ARP-Issue Date Missing ARP-Issue Date Missing

Pay Pay

NA NA

33333333 33333337

The confirmation page displays the processing instructions you entered and any other positive pay transactions entered that day, as well as the unique bank trace number Online Treasury Manager assigned to each positive pay transaction. You can also use this page to display a complete record of all positive pay transactions entered for the current day. When you finish entering positive pay transactions for the day, click Submit Instructions on the Positive Pay Report page to display a record of all positive pay transactions. You must do this before the cutoff time for the day. After the cutoff time, you cannot access the Positive Pay Confirmation page.

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Online Treasury Manager Positive Pay User Manual

Issue Report

The Issue Report lists the manual issue and void requests entered for your company. To access the Issue Report, · Select the Issue Report tab on the task bar and click the Submit button

123456 ­ SunTrust Test Account Positive Pay ­ 987654321 223456 ­ SunTrust Test Account Positive Pay ­ 987654322

Click the Submit button to review all manual issue and check void records entered today

Report Options You can customize the Issue Report request by limiting the account(s) to display and indicate ranges for date, serial number, and amount. You can specify item status. You can change the item display by having the system scroll through all the items or change the number of items presented at a time. In addition, you can change the output style and sort order of the report. The Issue Report default lists all manual issue and void transactions entered by all users.

Account: 123456 ­ SunTrust Test Account Positive Pay ­ 987654321

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Note: The status of manual issue and void transactions entered on the current day will indicate "Pending" up until the daily input cutoff time. After the cut-off time, the status will change to "Sent to Bank."

Add an issue record If you have written a check that was not included in your issue file, you can add an issue record to your check register. · Click on the Manual Issue button

Select the account number

Enter the Check serial Number

Enter the dollar Amount of the check

Enter the Issue Date of the check

Based on your specific fraud prevention service from SunTrust, Online Treasury Manager displays a pop-up window for your account. · · · · · · Select the Account from the drop-down list Enter the Check Number Enter the check Amount Enter the Issue Date of the check Enter any Additional Information about the check (optional) Click the Add button

After you add a manual issue, the information appears on the Issue Report.

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Void a check issue record

To record void activity that was not included in the issue file,

·

Click on the Manual Void button

Select the Account Number

Enter the Check serial Number

Enter the Void Date of the check

Based on your specific fraud prevention service from SunTrust, Online Treasury Manager will display the pop-up window for your account. · · · · · · Select the Account from the drop-down list Enter the Check Number Enter the check Amount (optional) Enter the Void Date of the check Enter any Additional Information about the check (optional) Click the Add button

After you add a manual check void request, the information appears on the Issue Report.

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Online Treasury Manager Positive Pay User Manual

Check Return

Check Return is used for Reverse Positive Pay and Payable Thru Draft decision-making. Your decisions must be submitted to SunTrust by the daily cut-off time. To access Check Return, · · Select Positive Pay from the group drop-down list and select Check Return from the task bar Select an Account Number and click Submit

Select an Account Number

Click Submit for today's Check Return report

Online Treasury Manager displays the Check Return Report, which contains the complete listing of paid items from the prior business day.

Click check box to return exception check

June 30, 2005 June 30, 2005 June 30, 2005 June 30, 2005 June 30, 2005 June 30, 2005 June 30, 2005 June 30, 2005 June 30, 2005 June 30, 2005 June 30, 2005 June 30, 2005

1234 1235 1236 1237 1238 1239 1240 1241 1234 1235 1236 1237

$123.45 $223.45 $123.45 $223.45 $123.45 $223.45 $123.45 $223.45 $123.45 $223.45 $123.45 $223.45

Select a Return Reason for each exception check to return

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Online Treasury Manager Positive Pay User Manual Return a check · · · Select the exception items to return by clicking the Return check box Select a Return Reason using the drop-down list Continue to the next page of the report by clicking on the Next 10 Items button, or click Submit when complete

Note: To obtain an image of the exception check, use the Image Search service or select the image from Balance Reporting.

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