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USING ACH BULK LOAD

TREASURY MANAGEMENT

PINACLE®

ACH Bulk Load Tip Card

The ACH Bulk Load feature allows you to import an ACH-formatted file. The ACH file that you import can contain one or more batches within the file. Each batch within your file can have the same or a different ACH Company (the pairing of an ACH Company name and ACH Company ID). Each batch can have the same or a different SEC (Standard Entry Class) code or effective date. (For a list of SEC Codes usable in ACH Bulk Load, see ACH Bulk Load Supported SEC Codes below.) Prior to using ACH Bulk Load, you will have the opportunity to test your file with the PNC ACH Implementations area to help ensure there are no surprises when you are sending live files.

In the workflow, once you import the file, the ACH module verifies that the file is in the ACH format. When a file is “Successful” in passing the format editing, the batch(es) will appear in the list of available batches with a status of Pending Authorization and must be reviewed and authorized for processing. If the file does not successfully pass the format editing, the entire file will be unsuccessful or have a status of “Failed”.

Three steps must be performed to load NACHA files into the ACH module using Bulk Load. This Tip Card includes instructions for each step as well as a list of supported SEC Codes with definitions.

> Step 1 - Creating a NACHA File

> Step 2 - Importing Batches using ACH Bulk Load

> Step 3 - Authorizing Batches

> ACH Bulk Load Supported SEC Codes

If you are unable to construct an ACH file that passes the format editing of ACH Bulk Load, you may wish to utilize a batch import. The Batch Import functionality enables you to build and use a fixed length import profile to create a batch and then subsequently change or delete records prior to submitting. With ACH Bulk Load, you cannot change or delete individual records as part of the workflow. See the ACH Import Tip Card for additional information.

1 Check the documentation of your accounting package to assist you with this process.

When creating an ACH-formatted file for import through ACH Bulk Load, you can request the ACH file format specifications from your Sales Associate or Treasury Management Officer.

Valid NACHA characters that can be used in ACH files include: > Numeric (0-9) > Alpha (A-Z) > Special Characters (#, - , $ , . , & ,* , and ,) > Blank

©2012 The PNC Financial Services Group, Inc. All rights reserved. PNC and PINACLE are registered marks of The PNC Financial Services Group, Inc (“PNC”).

STEP 1 - CREATING A NACHA FILE

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Additionally, NACHA files must adhere to the following standards: > All alphanumeric and alphabetic fields must be left-justified and blank filled. > All numeric fields must be right-justified, unsigned, and zero-filled. > The NACHA file must be the standard 94 characters in length.

From any PINACLE page, access the ACH module by clicking on the ACH tab in the Tabbed Modules Bar at the top of the page.

1 From the Navigation Bar, click on ACH Bulk Load. The ACH Bulk Load page displays.

If ACH Bulk Load is not an option on the Navigation Bar, then you have not been granted access to this function and should contact your company’s system administrator.

2 Click on Browse and the Choose File dialog box displays.

3 Locate and select the file from which you want to import data.

4 Click on Open. The file name and path display in the File to import field.

5 Click on Submit and a message displays indicating the file is being processed.

Upon completion of processing, after all data in the file is checked, a message displays. If the import was:

> Successful The File Summary page displays with a status of Successful. The batch is now available from the ACH Batches page with a status of Pending Authorization.

STEP 2 - IMPORTING BATCHES USING ACH BULK LOAD

Successful

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> Failed The File Summary page displays with a status of Failed when the file has failed editing. A message displays for each error identified and includes the following detail:

> The line number in the import file where the error occurred.

> Text indicating the cause of the error.

> The line of text from the import file where the error occurred.

Possible reasons for failure include:

> An effective date in the past or one that is more than 30 days in the future.

> One or more detail records contain a receiving bank routing number with an invalid check digit. Bank routing numbers are 8 digits with the 9th digit being a check digit. ACH Bulk Load will edit check the receiving bank routing numbers to the extent that the field content passes the check digit calculation.

> An ACH Company (ACH Company Name and ACH Company ID combination) used in your file’s batch header that is not an ACH Company set up in the ACH module.

> Your Operator ID does not have the required entitlements or permissions for the file’s batch header.

> The 9 record, an optional record, was included and the batch entry hash was incorrect.

If an error occurs in either the 1, 8, or 9 record, since these are optional records, they can be excluded.

6 If the bulk load was successful, the batch is ready to be authorized for payment processing. Continue with Step 3 - Authorizing the Batch below.

or

If the bulk load was unsuccessful, return to the NACHA file, correct the error(s), and repeat the steps under Step 2 - Importing the Batch Using ACH Bulk Load above.

7 After the bulk load is complete, continue using the features of ACH or another PINACLE module or utility.

Failed

Line Number Error Cause Line Text

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Once the bulk load is successful, the ACH batch or ACH batches passing through the ACH Bulk Load process will be visible on the Batches page, and ACH Bulk Load will be indicated in the Batch Type field. Use the steps below to authorize the batch. See the ACH Batch Management Tip Card for additional information.

Since you cannot authorize batches that you create, another operator must log in to authorize your batches.

1 From the Navigation Bar, click on Batches and the Batches page displays.

or

Click on the Authorize Pending Batches Quick Link and a list of pending batches displays.

2 Click to select the checkbox(es) to the left of the batch(es) to be authorized.

> Click on the Batch ID link to view the details of a batch. The View Batch Details page displays.

> Once at the View Batch Details page, click on the History tab for additional information.

3 Click on either the Authorize or Decline button.

4 Review the details of each batch.

5 Click on Submit and you are prompted to enter a token passcode.

6 Enter your token passcode and the status is updated to reflect your choice, Authorized or Declined.

7 After authorization is complete, continue using the features of ACH or another PINACLE module or utility.

STEP 3 - AUTHORIZING BATCHES

Status Field

Batch ID Field

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CIB 0812-095D

TREASURY MANAGEMENT

For further assistance, click on Contact Us on the PINACLE Utility Bar.

©2012 The PNC Financial Services Group, Inc. All rights reserved. PNC and PINACLE are registered marks of The PNC Financial Services Group, Inc (“PNC”).

PPD or PPD+ Crediting or debiting a consumer or individual’s account.

CCD or CCD+ Crediting or debiting a corporate or business account.

Internet Authorized Entry (WEB) Originate debits to consumers when they have authorized the debit via the Internet or a mobile application.

Telephone Authorized Entry (TEL) Originate debits to consumers when they have authorized the debit via a phone conversation with a live operator.

Re-Presented Check Entry (RCK) Originate debits to consumers for consumer checks returned for insufficient or uncollected funds. The check amount must be less than $2,500.00 and the check number is required.

Domestic ACH (IAT) Originate credits and/or debits to consumer and/or business accounts in compliance with U.S. law and the Bank Secrecy Act’s Travel Rules.

Examples:

> The entry is destined to a domestic ACH transit routing number, but then the entry is forwarded to an off-shore bank.

> The funding for the entry is explicitly from a wire transfer coming from outside the U.S.

Back Office Conversion (BOC) Enables originators, during back office processing, to convert to a single-entry ACH debit and eligible check received at the point of purchase or a manned bill payment location for the in-person purchase of goods or services.

Point of Purchase Entry (POP) This ACH debit application is used by originators as a method of payment for the in-person purchase of goods or services by receivers. These single-entry debit entries are by the originator based on written authorization between the originator and receiver and notice provided by the originator at the point of purchase or manned bill payment location.

Corporate Trade Exchange (CTX) The Corporate Trade Payment (CTX) format was developed to permit the transmission of remittance information. CTX allows for up to 9,999 addenda records. CTX addenda records contain freeform information that can accommodate the full EDI 820 transaction set or a subset of its segments.

ACH BULK LOAD SUPPORTED SEC CODES

SEC CODE… DEFINITION…