CHASE CONNECT USER GUIDE...If you have access to our Chase Mobile® App or browser, you can make...

CHASE CONNECT®

USER GUIDEFraud Protection Services

1Copyright © 2020 JPMorgan Chase & Co. All rights reserved.

Chase Connect® Fraud Protection Services

With Fraud Protection Services1, you can help safeguard your account(s) against check fraud. We encourage you to dedicate

time to upload check details (if necessary), review the items we flag as exceptions and make pay or return decisions. The

primary administrator or a user who has been granted access through Access & Security Manager can perform these tasks

We offer two types of Fraud Protection Services: Positive Pay and Reverse Positive Pay

• Positive Pay: You let us know information about every check you write, and we compare checks presented for payment to

the information you’ve given us. If it matches, we pay the checks. If it doesn’t match, we mark it as an exception and you

decide whether or not we pay it. You must tell us by 4 p.m. local account time whether to pay or return the checks. If we don’t

receive a decision by the cutoff time, we’ll return all exception checks and may charge a returned check fee

• Reverse Positive Pay: You set a threshold payment amount. We pay all checks below that amount and mark all checks at or

above that amount as an exception. You review the flagged checks and tell us by 4 p.m. local account time if we should pay

or return the checks. If we don’t receive a decision by the cutoff time, we’ll pay the checks

Fraud Protection On The Go

If you have access to our Chase Mobile® App or browser, you can make exception decisions while away from your desk. You

can also enter details for individual checks. Visit your mobile app store or enter www.chase.com/chaseconnect into your

mobile browser

System Administrators (primary and proxy administrators) can provide mobile access permission to authorized users though

Access & Security Manager

1 Terms and conditions, including fees and limitations, apply as described in the legal agreement for your online service

http://www.chase.com/chaseconnect

Enrollment


1

Enrollment Positive Pay: Upload A File

Customize File Format

Reverse Positive Pay

From the navigation bar, select

Fraud protection from the Account management drop-down

menu

Business Banking users will be

prompted to select a billing

account

Manage File Format

Add Checks Individually

Review Exceptions

Create Reports

Tips< >


2

We’ll list every eligible account

you have in your profile. For each

account, choose Positive Pay or

Reverse Positive Pay. You may

only choose one option for each




Manage File Format


Review Exceptions

Create Reports

Tips< >


3

Commercial clients: If you select Positive Pay, you can Review immediate check exceptions and Activate payee name verification. Review immediate check exceptions is automatically selected. Every check is presented as an exception until you provide

check details. Decisions not received by 4 p.m. local account time,

will be automatically returned and you may be charged a returned

check fee. If you choose activate payee name verification, we verify

the payee name on the check matches the payee provided




Manage File Format


Review Exceptions

Create Reports

Tips< >


After you’ve decided on options

for all your accounts, choose Next

5

If you select Reverse Positive Pay, designate the dollar amount

threshold for review. We’ll pay all

checks below that amount and

present any item over as an

exception for your review




Manage File Format


Review Exceptions

Create Reports

Tips

4

< >


All accounts you’ve selected

for enrollment will be listed.

For Positive Pay, upload a file detailing your check

information right away or add it in manually. If you have Positive Pay turned on for

multiple accounts, you can

include checks written from all

accounts in one file. Positive

Pay is usually active within

three business days from the

date of providing issuance

information

6




Manage File Format


Review Exceptions

Create Reports

Tips< >

Positive Pay: Upload A FileGet us the information we need by typing in the details for each check, or

uploading a file with all your check data included. Checks provided can be future dated up to 15 calendar days in advance


1Prepare your spreadsheet: Your file

cannot have a header—the first row must

be the first check you’ve written, and each

subsequent check follows on its own row.

Here’s the information we need in each

column – be sure to follow exact

formatting:

Check type: I or C. “I” is for issued check, “C” is for canceled check

Account number for the check you’ve written: option to include check issuance

information for multiple accounts in one

file

Check number

Check date (mmddyy): some

spreadsheets will automatically delete the

leading zero, so be sure you’ve set that

column to accept 6 numbers

Amount: include a decimal point but no commas

Payee line 1: 40 character max

Payee line 2: optional—40 character max




Manage File Format


Review Exceptions

Create Reports

Tips< >

Note: For Payee line 1 and Payee line 2 if the payee name includes a comma it must be “Company, Name”


Save your file in comma-

separated value (CSV) format.

Most default to this automatically,

but be sure to confirm

Note: If you are changing an

Excel® file to CSV and using

special character “ the file must be

modified using Notepad to

remove the two additional “ that

Excel automatically adds

Ex: change “”test payee”” to “test

payee.” Once the change is made,

simply click save and upload




Manage File Format


Review Exceptions

Create Reports

Tips

2

< >


3

Select Upload a file of checks from the Things you can do

drop- down




Manage File Format


Review Exceptions

Create Reports

Tips< >


4

Click Choose fileand select the

file to upload




Manage File Format


Review Exceptions

Create Reports

Tips< >


5




Manage File Format


Review Exceptions

Create Reports

Tips

Confirm that the file

name is accurate and

choose Upload

Important: We’ll validate your file and let you know of any errors. Click Submit to transmit the final file to us

< >

Customize File FormatOrganize your file the way you want, just be sure to let us know

which columns correspond to each category


1

From the things you

can do drop down,

choose Manage custom file formats




Manage File Format


Review Exceptions

Create Reports

Tips< >


Click Save format. Make sure the format is exactly how you

want it, and then choose Submit

2

3

4

We’ve listed the 7 categories we need.

At the far left, order them however

you’d like. Choose the format for

some fields, but use the format

described in the “Positive Pay—Upload

File” section of this document

Name the file format to customize and choose if

you’d like to use this format

for most of your file uploads.

Don’t change the button

from CSV unless you want to

specify exact start and end

positions for every field




Manage File Format


Review Exceptions

Create Reports

Tips< >

Manage File FormatUpdate any of the saved customized formats at any time


2

1

From the Fraud Protection Services

summary screen, go to Things you can do drop-down menu and choose Manage custom file formats. Option to navigate here by choosing Manage file formats on the Upload file screen

All formats saved are listed here.

Choose the format you need to

update, and follow the steps in

the Customize File Formatsection




Manage File Format


Review Exceptions

Create Reports

Tips< >

Add Checks IndividuallyDon’t write a lot of checks? Simply provide the information for each

individual check as you issue them. Add up to 25 checks at a time, and we’ll total the number of checks and amount you’re adding


1From the Things

you can do drop-

down select Enter checks one-by-one




Manage File Format


Review Exceptions

Create Reports

Tips< >


2

4

3

Edit or delete a check prior to submitting it

Fill in the information for

each category. Choose

Add check after you’ve provided the necessary

information

Choose Next, and verify the information

provided. After

confirming, you can

submit your checks




Manage File Format


Review Exceptions

Create Reports

Tips< >

Review ExceptionsAfter you’ve uploaded your file or typed in check information, we’ll verify

the information is correct against checks presented for payment. Any checks that don’t match, or any presented that you haven’t told us about,

are exceptions that we flag for your review


1

View your exceptions by selecting

Fraud protection from the Account management drop-down

menu in the navigation bar




Manage File Format


Review Exceptions

Create Reports

Tips< >


2

3Choose Next after you’ve chosen at least

one account

We’ll tell you how many exceptions

you need to review. Be sure to review

Positive Pay and Reverse Positive Pay

exceptions separately. To see every

Positive Pay exception from every

account you’ve enrolled, check the

box at the top of the Positive Pay list. If you only want to look at exceptions

from one account at a time, check the

box for that individual account




Manage File Format


Review Exceptions

Create Reports

Tips< >


5

4

If you’d like to see a

small image of the check,

choose the check icon




Manage File Format


Review Exceptions

Create Reports

Tips

See a larger image if you

review exceptions using

Check view

< >


6

We’ll list each check and the reason we flagged

it. Using the drop-down, make a decision on

each check: pay, return or no decision. If you

choose to pay the check, we’ll pay it. If you

choose to return it, we won’t pay the check. If

you choose no decision, we’ll return the check

if you haven’t decided to pay it by 4 p.m. local

account time, and we may charge a returned

check fee




Manage File Format


Review Exceptions

Create Reports

Tips< >


8

7

Choose Next check after you’ve made a

decision on each9

If you’d like to look at each

check one-by-one, toggle

from List view to Check view. Using the same drop-down as in Step 6,

make your decision to pay

or return the check




Manage File Format


Review Exceptions

Create Reports

Tips< >


Make sure all the check decisions

you’ve made are accurate. If you

need to make a change, choose Back and repeat Step 6. If everything is

correct, choose Submit




Manage File Format


Review Exceptions

Create Reports

Tips

10

< >

Reverse Positive Pay: Review Exceptions

After you’ve set your threshold amount, we’ll review all checks presented for payment. All checks at or above your threshold,

will be flagged for your review


1

When you first sign in, you’ll have a

message at the top of the screen

detailing the number of exceptions.

Navigate to the decision screen

from the message itself, or choose

Fraud protection from the Account management drop-down menu




Manage File Format


Review Exceptions

Create Reports

Tips< >


2

3

Choose Next after you’ve chosen at least one account

We’ll tell you how many exceptions you need

to review. You must review Positive Pay and

Reverse Positive Pay exceptions separately. To

see every Reverse Positive Pay exception from every account you’ve enrolled, check the

box at the top of the Reverse Positive Pay list.

If you only want to look at exceptions from

one account at a time, check the box for that

individual account




Manage File Format


Review Exceptions

Create Reports

Tips< >


5

4

If you adjust the check, we’ll ask

you for the Adjusted amount. Then choose Pay next to the new amount to authorize




Manage File Format


Review Exceptions

Create Reports

Tips< >

We’ll list each check that’s at or above your

threshold amount. Using the drop-down, make a decision on each check: pay, return,

adjust or no decision. If you choose to pay the

check, we’ll pay it. If you choose to return it, we

won’t pay the check. If you choose no decision,

we’ll pay the check if you haven’t decided to

return it by 4 p.m. local account time


7

6

You can see a larger image if

you review exceptions using

Check view




Manage File Format


Review Exceptions

Create Reports

Tips

If you’d like to see a small

image of the check, choose

the check icon

< >


8

Make sure all the check decisions

you’ve made are accurate. If you

need to change something,

choose Back and repeat Step 6. If

everything is correct, choose

Submit




Manage File Format


Review Exceptions

Create Reports

Tips< >

Create ReportsEasily generate reports for exceptions and checks submitted

Exceptions history displays information about every exception over the

time period chosen, including the check details, pay/return decision,

status and who reviewed it

Check input history (Positive Pay only) displays information about the

check details provided via file upload or manual input

Outstanding Checks (Positive Pay only) displays outstanding check

liabilities by listing checks that have been issued but are not yet posted

to your account


1

From the Fraud

Protection Services

landing screen,

choose Reports




Manage File Format


Review Exceptions

Create Reports

Tips< >


3

Choose whether you’d like a

report on Exceptions history or Check input history(Positive Pay only)

2




Manage File Format


Review Exceptions

Create Reports

Tips< >

Use the drop-down menu to choose the account

you’d like to generate reports from, enter a date

range or use the drop-down menu to select from

a period provided (i.e. last 30 days). Once you’ve

selected the account and date range, the Show report button will activate


4

We’ll show you a list based on

your search criteria. Print or download the report by choosing the appropriate icon




Manage File Format


Review Exceptions

Create Reports

Tips< >


5

When viewing your Check input history reports (Positive Pay only)

you can also download a Check Outstanding Report

This CSV file will help monitor

outstanding check liabilities by

displaying those issues but not yet

posted to your account




Manage File Format


Review Exceptions

Create Reports

Tips< >


Tips

How to Reduce Exceptions Caused by Readability Errors

Please use the following guidelines to reduce the number of check exceptions due to readability problems. Remember, with

Positive Pay, you’re charged for each check exception we find

• Text formatting. Checks are most readable when the text is printed in 12-point font or larger, in a recommended font style

(Courier New, Arial or Times New Roman), black ink, and all uppercase letters. It’s very hard for our systems to read italicized,

underlined or cursive text

• Printing. Checks should be printed on ink jet or laser printers with a 600 dpi resolution or higher. We don’t recommend

issuing dot matrix or handwritten checks. If your checks have a design on them, keep in mind that any dark background

patterns, images or watermarks in the name and address block area can distort the black and white image and may interfere

with readability

• Payee name. The name you provide must match exactly the name printed on the check in layout, format, letters and

punctuation. The name must start on the first line of the payee address block and must not exceed two lines of the payee

address block

Fraud Protection Alerts

When you manage your checks through Fraud Protection Services, you can receive Account Alerts to help keep track of your

account activity

All entitled users must subscribe to alerts and can do so from the Things you can do menu in Fraud Protection Services, or by

clicking the person icon in the upper right corner and choosing Alerts from the drop-down menu

If you have more questions about alerts and how to set them up, we have a guide similar to this one

< >Enrollment Positive Pay:

Upload A FileCustomize File Format


Manage File Format


Review Exceptions

Create Reports

Tips


Contact Us

Need help? If you have questions about Fraud Protection Services, please call the appropriate Customer Service Center:

• Chase Connect: 1-877-226-0071 (government entities and not-for-profit organizations call 1-855-893-2223). Our

representatives are available to help you Monday through Friday, from 8 a.m. to 8 p.m. ET

• Chase for Business: 1-877-242-7372 x 3 x 2. Our representatives are available anytime

< >Enrollment Positive Pay:

Upload A FileCustomize File Format


Manage File Format


Review Exceptions

Create Reports

Tips

43

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Copyright © 2020 JPMorgan Chase & Co. All rights reserved.

Chase, J.P. Morgan and JPMorgan Chase are marketing names for certain businesses of JPMorgan Chase & Co. and its subsidiaries worldwide (collectively, “JPMC”, if and as

used herein may include, as applicable, employees or officers of any or all of such entities irrespective of the marketing name used). Products and services may be provided

by commercial bank affiliates, securities affiliates or other JPMC affiliates or entities. Products and services described herein are offered by JPMC or its affiliates subject to

applicable laws and regulations and service terms. Not all products and services are available in all geographic areas. Eligibility for particular products and services is subject

to final determination by JPMC or its affiliates.

Chase Connect® is a registered trademark of JPMorgan Chase Bank, N.A. JPMorgan Chase Bank, N.A. is a wholly-owned subsidiary of JPMorgan Chase & Co.

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