ACH & Check Guide

A helpful guide to utilizing Positive Pay.

 

Download Positive Pay User Guide

• Check Upload Templates

  NOTE: Mobile users cannot edit, create, or delete Positive pay upload templates.

  Creating a delimited template format (CSV)

  In the navigation panel, select Positive pay. If the financial institution has multiple payment methods activated, the Positive pay option may appear beneath the Payments drop-down menu option.

  1. In the Settings section, select Manage templates.
  2. Select the plus sign.
  3. Select Delimited.
  4. Enter a Template name.
  5. If necessary, change the Account Format, Field delimiter, and Text qualifier selections.
  6. In the Column order section, enter the Column numbers to correspond with the columns in your file. Example: Item Number is in Column A in the .csv file, this would be Column Number 1
  7. Select Review. If a Column number overlaps, an error message appears.
  8. Review the template information, and then select Save. To return to the previous screen to add or change information, select Edit.

  Creating a fixed position template format

  In the navigation panel, select Positive pay. If the financial institution has multiple payment methods activated, the Positive pay option may appear beneath the Payments drop-down menu option.

  1. In the Settings section, select Manage templates.
  2. Select the plus sign . The Select template format screen appears.
  3. Select Fixed format.
  4. Enter a Template name.
  5. If necessary, change the Account format selection.
  6. In the Label position section, complete the Begin and End fields to correspond with your file format. The Begin and End fields accept number inputs. The range between the numbers entered in these fields determines the number of digits allowed in that column per entry.
  7. Once you have edited the configuration, select Save to keep your changes. The Review button is activated.
  8. Select Review.
  9. Review the template information, and then select Save. To return to the previous screen to add or change information, select Edit.

  Deleting an upload template

  1. In the navigation panel, select Positive pay. If the financial institution has multiple payment methods activated, the Positive pay option may appear beneath the Payments drop-down menu option.
  2. In the Settings section, select Manage templates.
  3. Select a template.
  4. Next to the page title, select the trash can.
  5. Select Delete. The template is permanently removed from the template list.

  Editing an upload template

  1. In the navigation panel, select Positive pay. If the FI has multiple payment methods activated, the Positive pay option may appear beneath the Payments drop-down menu option.
  2. In the Settings section, select Manage templates.
  3. Select a template.
  4. Edit the template as required. The Review button activates.
  5. Select Review.
  6. Review the edited template information, and then select Save.
• Adding checks manually

  Adding checks manually

  1. In the navigation panel, select Positive pay. If the financial institution has multiple payment methods activated, the Positive pay option may appear beneath the Payments drop-down menu option.
  2. Select Add checks.
  3. Select Add your checks manually.
  4. Select the associated payout account.
  5. Enter the Check number, Check amount, Payee, and Type.

  This will always be either Debit or Void.

  6. Select Select to open the Check date screen. Select the date that appears on the check, and then select Save.
  7. Select Save and enter another to enter more checks. You can manually enter up to 100 checks in one file.
  8. Select Review checks once you have manually entered all the checks for this file. The Review checks screen opens.
  9. Validate that the information on the Review checks screen is correct, and then select Approve. A dialog box opens asking you to confirm that you want to approve the checks.
  10. Select Approve.
  11. Select Done.

  CAUTION Do not select Add more. You must Review & approve the .txt file on the Positive pay dashboard before you or another organization user uploads a .csv file or manually enters more checks. If you do not Review & approve the .txt file, the entry changes from Pending to Unapproved status, and you cannot Review & approve the file. You must upload a .csv file or manually enter the check details again to approve the checks.

  12. Select Review & approve on the Positive pay dashboard.
  13. Validate that the information in the File upload summary section is correct, and then select Approve.
  14. Select Done to return to the Positive pay dashboard or select Upload another to upload a .csv file or manually enter check details.

   

   

   

• Voiding Issued Items

  Once checks are uploaded as a .csv file or manually entered and approved, the bank can view and modify checks as needed. A business user cannot modify approved checks, but the user can void approved checks.

  A void check cannot be used for payment. To void a check, complete one of the following:

  • Upload a .csv file with the check details, including a Void indicator.
  • Manually enter the check details and select Void for Type
• Working check exceptions

  If a posted check does not match the record, an organization user can work exceptions to decide to pay or return issued checks during a set time frame each day.

  Once the time frame passes, the exceptions are locked, and you cannot work them. 

  1. In the navigation panel, select Positive pay. If several payment methods are turned on for your account, Positive pay can appear under the Payments drop-down menu option.
  2. Select Work check exceptions. In Banno Mobile, select the Check exceptions tab. If there are no exceptions, the No check exceptions accounts message appears. If there are check exceptions, the Work exceptions screen opens. The Work exceptions screen displays exceptions from the first account that contains exceptions. The system orders the accounts alphabetically by account name.
  3. If you want to view an exception from a specific account, select next to the bank account currently selected, and then, in the Select account screen, select the account with the exceptions you want to address. You can search for accounts by account name, the last four digits of the account, or the available funds in the account. You can also filter by account type.
  4. You can decision check exceptions in several ways.
     • Single exception – select the Pay check box next to the exception
     • All exceptions – select Select all. This option allows you to process all exceptions in bulk.
     • Multiple exceptions individually - select the Pay check box for each exception.

  Each check in the list shows the check's amount, payee, status, check number, and exception reason.

  5. If needed, select a check number to view the check's details. On the Check details screen, you can view and print check details and images for the selected check and select Ask us about this check to start a Messages chat with the bank.
  6. Select Submit once you have reviewed all exceptions.