FedCheq Version April 2010 User Manual
Contents
1. ID NO 68 ACTTIC ID NO 69 AC7TSN NO 70 ACTTDT DATE 71 AC7TTA TIME 72 AC7LOC LOCATION 73 AC7CIT CITY 74 ACTSTA STATE 75 AC7PTC TYPE CODE 76 AC7RDC DOCUMENT CODE 77 AC7RN NUMBER 78 AC7RID DATE 79 AC7DDA DOLLAR AMT 80 AC7TDA DISCOUNT 81 AC7ADJ ADJUSTMENTS 82 AC7NET AMOUNT 83 ACTAVI INDICATOR 84 AC7SAN ADDENDA 85 ACTFL2 FILLER 86 AC7ASN SEQ NO 87 AC7DSN SEQ NO 88 ACTF79 DESCRIPTION 89 AC7SSN SEQ NO 90 AC7F80 DESCRIPTION 91 AC7SAS SEQ NO 92 ACTTTC code 93 ACTFRI 10 94 ACTFPA Amt 95 ACTFTN No 96 ACTFRA no 97 ACACCT Char 6 Char 6 Zoned 4 0 Zoned 6 0 Char 27 Char 15 Char 2 Char 2 Char 2 Char 22 Zoned 6 0 Zoned 10 2 Zoned 10 2 Zoned 10 2 Zoned 10 2 Zoned 1 0 Zoned 1 0 Char 6 Zoned 4 0 Zoned 7 0 Char 79 Zoned 1 0 Char 80 Zoned 4 0 Char 3 Char 11 Zoned 15 2 Char 22 Char 25 Packed 11 0 489 495 501 505 511 538 553 999 557 559 581 587 597 607 617 627 628 629 635 639 646 725 726 806 810 813 824 839 861 886 6 TERMINAL 6 TRANSACTION SERIAL 4 TRANSACTION 6 TRANSACTION 27 TERMINAL 15 TERMINAL 2 TERMINAL 2 PAYMENT 2 REFE2. IRECOB Line 55 Service class 220 should be 200 File has 6 total NACHA formatting errors Starting Trace in file 1 4 Tracett Last used trace outbound 48 Pepa Close File has 6 NACHA formatting errors use Repair button to fix After doing the Repair Verify is run again to show any remaining errors Some errors such as zero amounts or missing routes are not changed automatically and you will need to edit the batch and repair these manually If you need or want to change the sequential trace numbers you can change those in this same module by setting the starting trace number and pressing the Trace button The trace numbers will be renumbered using your starting number Backups The complete program and its data should be backed up on a regular basis to be able to contiunue operating if the server or workstation running FedCheq goes down A simple batch file run daily can do this task simply or the automated tape or optical disk backup system should include the VFedCheq folder and all of its sub folders The Merge system does an Archived backup when exiting the Merge module and you answer Yes to the message box asking to Archive This step should be done AFTER the files have cleared the FED or internal processing for the ONUS file in case changes need to be made Once the files are cleared the Archive copies the source batches the OUTBOUND FED file and the ONUS FED file and the two reports NACHABalance txt and
3. Amount 1 3242 00 Joo 20050425 oo 20050425 foo 20050425 Tax Code 2 P Amount 2 675 33 Name Info N1 Group PR Tax Code 3 f Code ount 3 HE Acct 200817515395002329820 ISA 00 00 ZZ 9000219037 ZZ ROSEPOINT SYS 050425 081 1 U 00401 002857700 0 P GS RA 9000219037 ROSEPOINT 5Y5 20050425 0811 2857700 X 004010 ST 820 000000001 BPR C 3951 33 C ACH CIX 01 031100380 DA 00590450 900021 9037 01 065304327 DA 754342 20050425 DIM 00 20050425 DIM 00 20050425 DIM 00 200 50425 N1 PR CHRIS REEVES 47 200817515395002329620 TXP 003054363621 04001 2008053 1 T 324200 P 67533 I 3400 SE 10 000000001 GE 1 2857700 IEA 1 002857700 CTX Header The CTX header is shared between both types CTX RMR and CTX TXP and provides for defaults when creating a new record 27 FedCheq April 2010 Manual CTX Addenda Header Editor ISA Group Time 1405 Date 100414 CCYYMMDD Originator BANK OF AMERICA 01 Tit Destination JP MORGAN CHAS 01 TI Control No 000000001 Name qualifiers mutually defined Usage Flag P l Information P Production T Test Ack Flag jo O No Ack 1 Acknowledgment Requested GS Group GS Code RA R Payment Order Remittance GS Control fi Same as in SE Trailer ST Transaction Group ST Type 820 820 Payments 810 Invoices ST Number ooo CUR Currency Group Currency BY Buying Party PY Payor ISO Code TSO r BPR Group I
4. Bol AC6FIL FILLER 58 ACTTYP TYPE 59 ACTATC TYPE CODE 60 AC7RET CODE 61 AC70TN TRACE NO 62 AC7DOD DEATH 63 ACTTR ROUTING NO 64 AC7AI INFORMATION 65 ACTTRC NUMBER 66 AC7TD DESCRIPTION 67 AC7NIC Zoned 10 2 Char 15 Char 9 Char 4 Char 2 Char 22 Char 2 Zoned 1 0 Zoned 15 0 Zoned 4 0 Zoned 11 0 Char 22 Zoned 2 0 Zoned 4 0 Char 16 Char 2 Zoned 1 0 Zoned 2 0 Char 3 Zoned 15 0 Zoned 6 0 Zoned 8 0 Char 44 Zoned 15 0 Char 7 Char 3 205 208 215 216 218 226 227 244 254 269 278 282 284 306 308 309 324 328 339 361 363 367 383 385 386 388 391 406 412 420 464 479 486 H ON J 10 15 15 11 22 44 15 ISO Originating Cur code BATCH NUMBER RECORD TYP TRANSACTION CODE RECEIVING DFI ROUTING DFI CHECK EE ACCOUNT TRANSACTION INDIVIDUAL POP check POP Terminal POP Terminal INDIVIDUAL DISCRETIONARY ADDENDA TRAC GI CARD DOCUM E Z H CARD CARD NO OF ADDENDA RECEIVING RECORD ADDENDA RETURN CHANGI GI ORIGINAL DATE OF TRANSIT ADDENDA TRAC zal TRANSACTION NETWORK 19 FedCheq April 2010 Manual
5. 9 CAFEDCHEGAONUSY Floppy Disk all files MERGE Folder all files r c OUTBOUND Folder all files BATCHES Folder all files C c r ONUS Folder all files IMPORT Folder all files Verify BATCHES Folder all files ONUS Folder all files IMPORT Folder all files 7 E Encrypt CAFEDCHEQYBATCHESN Decrypt C FEDCHEG OUTBOUND TestCCD FED TestCTX FED TestCIX TXP FED TestFoxHollowApts FED TestFoxHollowPayroll FED TestIAT MultiBatch FED TestIAT MultiRecord FED TestIAT Swiss2US FED TestIAT US2Mexico FED TestIAT US2Netherlands FED TestList txt TestlistFAN txt TestFoxHollowApts FED TestFoxHollowPayroll FED TestIAT FED TestIAT_US2Mexico FED ll Verify NACHA The new Verify button tests the selected NACHA file for proper amounts at both REC8 and REC9 levels service class codes entry counts hash sub totals and totals and some other basic checks Any errors are displayed and the Verify button changes to Repair so the errors can be fixed FedCheq April 2010 Manual NACHA File Verify and Repair FedCheq ACH Verify File Log J Tue Feb 09 10 26 55 2010 J C FEDCHEQ OUTBOUND OutOld FED i RECOS Line 2 Service class 225 should be 200 REC08 Line 19 Service class 225 should be 200 RECOS Line 20 Service class 225 should be 200 RECOS Line 28 Service class 225 should be 200 RECOS Line 29 Service class 220 should be 200
6. the admin admin account and any others not used and use stringent passwords If you want easier access use a single letter user name with a blank password Program Options Selecting Setup P rogram Options from the main menu opens a dialog with various sections for setting the defaults used when creating and building NACHA files Select area to change below iy Files and Paths al Default Header al Default Settle al Master Options RY ONUS Routes Selecting an option in the list will change the screen contents to one of the those listed Each option is discussed below Files and Paths The paths and filenames are the heart of the system that control where data files are stored and written These folders may be on the network but it is recommended to use mapped drives vs UNG names for faster access BATCHES The folder where originals of NACHA files are maintained These are your original copies that you will use daily weekly or monthly to generate output by building an output file with the proper Clear Date with or without Offsetting Entry filtered by Cycle day s with or with out Billing or Addendas OUTBOUND Path and FileName This folder is used to create and write a new NACHA file when using Build to process a file from BATCHES It is also used by Merge as the folder to create the OUTBOUND FED file which are the records filtered through Merge that are not ONUS If the Split ONUS switch is off in Merge it will be all th
7. Encrypt on Build This option allows automatically encrypting the NACHA file when building Only use this option if you reguarly email or ftp the encrypted file to a bank or clearing house The Import options are defaults when using the NACHA ACWare filter dialog during Imports These are only defaults and can be over ridden when using the import filter dialog ONUS Routes The ONUS Route list are all of your routes that you want to use in merge for splitting ONUS records to the ONUS file when Split ONUS option is on It is a list box with Add and Delete buttons so routes can added and removed This list is only used by the Manager in Merge Installation Script The FedCheqClient exe can be used to install the FedCheq Client by your customers The password to run the install is kentwood84 and the user name password is admin admin Edit NACHA All of your NACHA files are kept in the BATCHES folder These are your originals From here they can be edited and processed built to create an outbound or onus file for processing The processed files may or may not have all of the information in the original depending upon the build options and output filters If you receive a file from email or diskette then use the FedCheq File Manager to copy it to the BATCHES folder Read about the File Mananger here Once the batch is copied you can open it in the batch editor as explained in the Edit an Existing Batch topic below Create a New Batch If
8. including ACWare Silverlake and 20 20 FedCheq April 2010 Manual ARCHIVE Path The folder where Merge creates the backups of the Merge process The source files used OUTBOUND file ONUS file and the two merge reports are copied here when the process is completed AUTO LOAD If there is a batch you use every day and would like this batch to load automatically into the editor when starting the program select the batch using the Browse button If you want to disable the autoload feature just make this field blank Sharing FedCheq on a Network When using FedCheq in a shared enviroment with multiple users accessing the program on a server do not use drive letters in any of the paths as shown below BATCHES FEDCHEG BATCHES OUTBOUND FEDCHEG OUTBOUND When a drive letter is embedded in the path it will cause errors when the workstation has mapped the server drive to some other letter This change also allows multiple workstations to access the same setup using different mapped drive letters FedCheq maps the startup drive and path when it first runs so it always knows where it is running from and can find its config files and databases For that reason the Startin path must always be set when creating a desktop shortcut for FedCheq which is done for you with the install script FedCheqClient exe or FedCheqDEMO exe To set the Startin path on a Windows link right click the link or icon and select Properties and make sure the Start In folder i
9. you want to create a new empty batch then click the New icon on the toolbar or select Files New batch from the pulldown menu VZ Create new NACHA batch file Type the new batch name here or browse to over write an existing file ACHO4 14 2010 Po Browse Select the Standard Entry Class type of ACH Batch PPD Prearranged Payment or Deposit A PPD optionally allows a single line addenda CCD Corporate Credit or Debit CCD has a single line ANSI 12 encoded addenda CTX Corporate Trade Exchange CTX has a multi line ANSI 12 encoded addendas IAT International ACH Transaction ARC Accounts Receivable Entry IAT has multi line addendas with OFAC checking ACK ACH Payment Acknowledgment ADV Automated Accounting Advice G ATX Financial EDI Acknowledgment v Cancel The batch filename will default to ACHmm dd yyyy but you can change the name to be whatever you prefer using long filenames The type of batch is important since FedCheq now supports the complex addenda types CTX CCD and IAT If you need these types of addendas make sure to create the proper style batch The regular standard NACHA type is PPD Edit an Existing Batch The batch editor is used to edit a single batch with one or more records The batch may have single or multi addendas The editor is called from the Main menu with F ile O pen Batch or from the Build or Merge screens when pressing the Edit Batch button If the NACHA file has more than one
10. 120 DA 3453466 65838328238 01 081019120 DA 57347347 20071016 TRN 1 071016 N1 5J 15T ADVANTAGE B N1 PE WESTW OOD INC ENT 1 NM1 PR 1 BLAIR RICHARDS N3 1003 LEE EE RMR 12 10032876609 PO 1200 87 DIM 00 20071016 ENT 2 NM1 PR 1 PHILIP TETILE N3 2 36 LEE _ LOOP N4 OXFORD M5 38655 RMR 12 10031153553 P0 757 32 DTM 00 20071016 ENT q Similar to the batch editor highlight the record you want to edit make changes then press Save Highlight then press Delete to remove a record Each time a new record is added using Add most of the fields are copied form the previous record with the cursor placed on the Amount field after adding a new name and account If the name is selected from existing data and there is address info then those fields will be populated The Report button shows a list of the RMR records and the Header button allows you to change the CTX header fields CTX TXP Tax Addenda The CTX TXP data type is similar to RMR but only supports the standard TXP three tax amounts with codes two REF groups three DTM groups and Name Info group for a given entity along with the CTX header info 26 FedCheq April 2010 Manual CTX TXP Addenda Editor TAX Information TXP Group REF Group TaxPayer ID 003054363621 Code Number Code Number axr ayer IL Payment Type 04001 09457 Fed WH Tax Date 20080531 CCYYMMDD Date Info DTM Group TaxCode 1 T T Tax P Penalty l Interest Code Date Code Date Code Date
11. 41 42 65 88 96 99 115 135 145 148 158 164 170 173 174 182 184 185 200 202 N FR NNHENRDUu BWR OFF CO H OS H HN H WW jo OD lt Q ON w w GF KI A N OF WO ECORD TY ECORD TYPE PRIORITY CODE ILLE ECEIVING POINT ECEIVING POINT ILLER ILE ECORD SIZE LOCK SIZE ORMAT CODE ESTINATION RIGIN EFERENCE CODE ERVICE CLASS COMPANY NAME DISCRETIONARY COMPANY 10 STANDARD COMPANY ENTRYD DESCRIPTIVE U GO D D wW R A ALU a a ENDING POINT IDNO ENDING POINT CHECK RANSMISSION DATE RANSMISSION TIME ID MODIFIER IDNO CHECK DATA ENTRYCLASS ESC DATE 2 EFFECTIVE SETTLEMENT DATE ORIGINATOR STAT ORIGINATING DFI Foreign Exhange Foreign Exhange Foreign Exhange ISO Destination ISO Originating ENTRY DATE US ID Ind Ref Ind Ref CE CE 18 FedCheq April 2010 Manual 35 AC5DCD 36 ACSBAT 37 AC6TYP 38 AC6TC 39 AC6RTR 40 AC6RCK DIGIT 41 AC6ACT NUMBER 42 AC6AMT AMOUNT 43 AC6IIN ID NUMBER 44 AC6CKN number 45 AC6CTY City 46 AC6STA State 47 AC6INM NAME 48 AC6DD DATA 49 AC6ARI INDICATOR 50 AC6TRC NUMBER 54 AC6CED EXPIRATION DATE 52 AC6DFN REF NO 53 AC6CAN ACCOUNT NUMBER 54 AC6CTT TRANSACTION TYPE 55 AC6NIP RECS 56 AC6RCN COMPANY NAME
12. 557 559 581 587 597 607 617 627 44 15 27 15 22 10 10 10 10 ADDENDA TRAC GI Transaction Type Foriegn Foriegn Foriegn Foriegn Recieving Payment Trace Recv Foriegn Original Fwd Recv Entry Foriegn Payment Addenda Trace TRANSACTION NETWORK H E ERMINAL TRANSACTION TRANSACTION TRANSACTION SERIAL NET AMOUNT VALUE GI 23 FedCheq April 2010 Manual 97 AC7SAN ADDENDA 98 AC7FL2 FILLER 99 ACTASN SEQ NO 100 ACTDSN SEQ NO 101 AC7F79 DESCRIPTION 102 AC7SSN SEQ NO 103 AC7E80 DESCRIPTION 104 ACTSAS SEQ NO 105 ACACCT 106 ACATYP TYPE 107 ACOSCD CODE 108 ACOSAT ACCOUNT TYPE 109 ACOBR G L BRANCH 110 ACMEMO CODE 111 ACWDT6 MMDDYY 112 ACWDT7 113 ACF ILK 22 more fields 135 ACRSKVIOL Zoned 1 0 Char 6 Zoned 4 0 Zoned 7 0 Char 79 Zoned 1 0 Char 80 Zoned 4 0 Packed 16 0 Char 1 Char 1 Char 1 Zoned 2 0 Char 1 Packed 6 0 Packed 7 0 628 629 635 639 646 725 726 806 806 897 898 899 900 902 810 79 80 SECONDARY ADDENDA DETAIL FREE FORM SECONDARY FREE FORM Special ADDENDA Account Number ACCOUNT OFFSET OFFSET
13. Account 06530432771 Origin DFI INTERACCIONES 000 RecviD 57932864321 OrgmDrit ooms o w Address 10679 DESERT ROAD ts DFI Qualifer o2 Country Code Mx gl City SvProv TRINIDADKS O1 ABA OZBIC 031BAN Country Postal U5 78245 Bank DFI JUNIOR S 1STBK IAT Correspondent Banks 5 max ankDF punos istek Bank DFIH 065304327 DFIH Qualifer jor Country Code jus isa O1 ABA 02 BIC 03 IBAN IAT Remittance Information 2 optional Remit Info 1 100258 Remit Info 2 IAT OFAC Compliance SDN Database Sat Sep 12 22 32 13 FedCheg OFAC scan will check all names and banks OFAC Scant OFACScanz orac sem D No matches found 1 Has matches Blank Scan Not done 29
14. C6CKN AC6CTY AC6STA AC6INM AC6INMCI I eg AC6DD AC6ARI AC6TRC AC6BRRCVCO AC6CED DATE AC6DFN AC6CAN ACCOUNT NUMBER 57 TRANSACTION TYPE AC6CTT 58 AC6NIP RECS 59 AC6RCN COMPANY NAME 60 AC6FIL FILLER 61 ACTTYP TYPE 62 ACTATC TYPE CODE 63 ACTRET CODE 64 AC70TN TRACE NO 65 AC7DOD DEATH 66 AC7TR ROUTING NO Char 17 Zoned 10 2 Char 15 Char 22 Char 9 Char 4 Char 2 Char 22 Char 15 Char 2 Zoned 1 0 Zoned 15 0 Char 22 Zoned 4 0 Zoned 11 0 Char 22 Zoned 2 0 Zoned 4 0 Char 16 Char 2 Zoned 1 0 Zoned 2 0 Char 3 Zoned 15 0 Zoned 6 0 Zoned 8 0 185 200 202 205 215 216 218 226 227 244 254 254 269 278 282 284 284 306 308 309 309 324 328 339 361 363 367 383 385 386 388 391 406 412 UT POoOaNrRWWN KE 10 15 ta 22 22 11 22 Foreign Exhange Ref ISO Destination Cur Code ISO Originating Country Code ISO Destination Cur Code RECORD TYPE TRANSACTION CODE RECEIVING DFI ROUTING DFI CHECK ACCOUNT TRANSACTION INDIVIDUAL CIE INDIVIDUAL POP check POP Terminal POP Terminal INDIVIDUAL CIE INDIVIDUAL DISCRETIONARY ADDENDA TRACI PJ Rovng CARD Company Name DO
15. CUMENT CARD CARD NO OF ADDENDA RECEIVING RECORD ADDENDA RETURN CHANGI GI ORIGINAL DATE OF TRANSIT 22 FedCheq April 2010 Manual 67 ACTAI INFORMATION 68 ACTTRC NUMBER 69 AC7BRTRTYP Code 70 AC7FRNID ED 71 AC7BRFNAM Amount 72 AC7BRFRNTR Number 73 AC7BRENAC Acct 74 AC7BRRTID ED 9 AC7BRRTAM amount 76 AC7BRRTFAM Amount 77 AC7BRRTADN Information 78 AC7BRRTTRC Number 79 ACTTD DESCRIPTION 80 ACTNIC ID NO 81 ACTTIC ID NO 82 ACTTSN NO 83 AC7TDT DATE 84 ACTTTA TIME 85 AC7LOC LOCATION 86 ACTCIT CITY 87 AC7STA STATE 88 ACTPTC TYPE CODE 89 ACTRDC DOCUMENT CODE 90 AC7RN NUMBER 91 AC7RID DATE 92 AC7DDA DOLLAR AMT 93 AC7TDA DISCOUNT 94 AC7ADJ ADJUSTMENTS 95 ACYNET AMOUNT 96 ACTAVI INDICATOR Char 44 Zoned 15 0 Char 3 Char 11 Zoned 15 2 Zoned 22 0 Char 23 Char 11 Zoned 10 2 Zoned 15 2 Char 8 Char 15 Char 7 Char 3 Char 6 Char 6 Zoned 4 0 Zoned 6 0 Char 27 Char 15 Char 2 Char 2 Char 2 Char 22 Zoned 6 0 Zoned 10 2 Zoned 10 2 Zoned 10 2 Zoned 10 2 Zoned 1 0 420 464 464 464 464 464 464 464 464 464 464 464 479 486 489 495 501 505 511 538 553 555
16. FedCheq Version April 2010 User Manual Copyright O 1992 2010 Micro Systems Consulting FedCheq April 2010 Manual Table of Contents Contents 2 Setup 3 EditNACHA 5 BuildNACHA 7 ManageNACHA 8 MergeNACHA 9 FileM anagement 10 Loan Processing 13 Import Export 15 CCD CTX and AT 24 Contents FedCheq is a program used to create edit build and manage Federal Reserve NACHA files used for processing electronic payments in many different formats such as PPD CCD CTX CCD and IAT There is a FedCheq Client version that supports the basic functionality and a FedCheq Manager version that adds features like a customer database billing loan payments and the merging of NACHA files and optionally splitting ONUS payments Select a topic below to explore the various features Program Setup Edit NACHA Batches Build NACHA Batches Manage NACHA Files and Batches Merge Single and Multi Batch NACHA Files File Management Loan Processing Import and Export CCD CTX and IAT FedCheq April 2010 Manual Setup Login FedCheq is privacy protected with a login screen requiring user name and password The program default when installed is user admin with password admin This login is security level 1 access which allows that login to run S etup P assword and User Manager from the main menu to add change or delete users Only users with this security level can enter this dialog to make changes If you want stricter access then delete
17. ING POINT IDNO 9 AC1SPC Zoned 1 0 24 1 SENDING POINT CHECK 10 AC1DT Zoned 6 0 25 6 TRANSMISSION DATE 11 AC1TIM Zoned 4 0 31 4 TRANSMISSION TIME 12 AC1MOD Char 1 35 1 FILE ID MODIFIER 13 ACIREC Zoned 3 0 36 3 RECORD SIZE 14 AC1BLK Zoned 2 0 39 2 BLOCK SIZE L5 AC1FC Zoned 1 0 41 1 FORMAT CODE 16 AC1DES Char 23 42 23 DESTINATION 17 ACIORG Char 23 65 23 ORIGIN 18 ACIREF Char 8 88 8 REFERENCE CODE 19 AC5CLA Zoned 3 0 96 3 SERVICE CLASS 20 AC5COM Char 16 99 16 COMPANY NAME 21 AC5CDD Char 20 115 20 DISCRETIONARY DATA 22 AC5CID Char 10 135 10 COMPANY 10 23 AC5SEC Char 3 145 3 STANDARD ENTRYCLASS 24 AC5CED Char 10 148 10 COMPANY ENTRYDESC 25 AC5CDT Char 6 158 6 DESCRIPTIVE DATE 26 ACSEED Zoned 6 0 164 6 EFFECTIVE ENTRY DATE 27 ACSSET Zoned 3 0 170 3 SETTLEMENT DATE 28 AC50SI Char 1 173 1 ORIGINATOR STATUS 29 AC50DF Zoned 8 0 174 8 ORIGINATING DFIID 30 AC5BAT Zoned 7 0 208 7 BATCH NUMBER 31 ACSFEI Char 2 182 2 Foreign Exhange Ind 32 ACSFER Char 1 184 1 Foreign Exhange Ref Ind 21 FedCheq April 2010 Manual 33 34 35 36 37 38 39 40 N NUMBI E po NUMBI E pe D 4 N 4 AMOUNT 4 I 4 I 4 number 46 City 47 State 48 NAME 49 NAME 50 DATA 51 INDICATOR 52 NUMBER aS 54 EXPIRATION 55 REF NO 56 ACSFEF AC5DCC AC50CC AC5DCD AC6TYP AC6TC AC6RTR AC6RCK AC6ACT AC6AMT AC6IIN AC6IINCII Je A
18. NACHAMerge txt to a folder off of the FEDCHEQ ARCHIVE folder consisting of the YearMonthDayTime If you ever need to process these files again use the FedCheq File Manager to copy them back into the Merge folder Encryption FedCheq now employs AES 256 byte key file encryption of NACHA batches The encryption of your Fed files is optional and is intended for emailing batches to associates so that in the possible event of hijacking the data cannot be read Currently the key used to encrypt the data is hard coded into the program to make it easier to use if the key were set by each user it would require each end using the exact same key Also if you forget the key or someone changes it then to decrypt a given file requires knowing the exact key The older encryption method using the enc extension is still supported and will be decrypted but when encrypting again the new mthod with aes will be used Please do not send an encrypted file to the Fed via FedLine because they cannot read it It is encrypted as binary data and cannot be read even by the FedCheq program Encrypted files have enc older or aes appended to their extensions FedCheq NACHA batch Sample FED FedCheq encrypted batch Sample FEDaes A batch must be decrypted before sending to the Fed always use the FED files FedCheq April 2010 Manual Encrypting Batches Automatically There is a new switch found in the Setup screen called Encrypt on Build When this sw
19. OFFSET MEMO POST Warehoused Date Warehoused Date MMDDYY mostly date time and flags Char 80 CCD CTX and IAT CCD Addendas Risk Violations Array The CCD editor allows creating and editing six major types seen today including a custom user defined type that you and your clients can use for your own data with 4 codes and 4 data items The CCD tax format TXP is also supported The editor auto loads the appropriate format according to the Group label RMT REF etc but you can over ride the type by clearing the Addenda in the batch editor then pressing the Addenda button and you get the screen shown below where you can select any of the supported CCD Entry Class codes shown as options 1 thru 7 24 FedCheq April 2010 Manual Custom Group with Data ANSI 12 Addenda Type C 1 RMTV 0002402413 2 REF BT10541364X20080825071 352080825 C 3 DED DP 6044180034 080808 000016500 428450864 WALLMART C 4 DTM 002 20071015 C TXP 061322 4 01100 090920 T 00001 48292 C 6 N1 BEJOHN Q PUBLIC 34 426756486 7 CUStom Group Codel D atal Code2 D ata2 Code3 D ata3 Code4 Datad Code Hints GROUP CODE DATA CODE DATA etc Group Label Code ACC Data 47373733 Code BUS Data 5737 Code AMT Data 1 1000 56 gt Code AMT Save Data 345 55 EN x Caneel CUS ACC 47373733 BUS 5737 AMT 11000 56 AMT 345 55 CTX Addendas Two types of CTX addendas are supported the commo
20. RENCE 22 REFERENCE 6 REFERENCE ITEM 10 DOCUMENT 10 TERMS 10 10 NET 1 AMOUNT VALUE 1 SECONDARY 6 4 ADDENDA 7 DETAIL 79 FREE FORM 1 SECONDARY 80 FREE FORM 4 ADDENDA 3 Transaction type 11 Foreign receiving 15 Foreign payment 22 Foreign trace 25 Foreign Rec Acct 11 ACCOUNT 20 FedCheq April 2010 Manual NUMBER 98 ACATYP Char 1 897 Ae ACCOUNT TYPE 99 ACOSCD Char 1 898 1 OFFSET CODE 100 ACOSAT Char 1 899 i OFFSET ACCOUNT TYPE 101 ACOBR Zoned 2 0 900 2 OFFSET G L BRANCH 102 ACMEMO Char 1 902 T MEMO POST CODE 103 ACCAPPGM Char 10 903 10 Warehouse Cap program 104 ACCAPDT6 Packed 6 0 913 6 Warehouse Cap date t05 ACCAPDT7 Packed 7 0 919 7 Warehouse Cap date 106 ACCAPINT Char 1 926 1 Warehouse Cap internal J ackHenry ACW rehouse File Sil verLake Versi on Notice the routes and Clear Dates are stored as Zoned fields which truncates leading zeros FIELD NO FIELD NAM FI ELD TYPE OFFSETLEN DESCRI PTI ON 1 ACRTYP Zoned 1 0 ah 1 RECORD TY 2 AC1TYP Zoned 1 0 2 1 RECORD TYPE 3 AC1PCD Zoned 2 0 3 2 PRIORITY CODE 4 AC1RP1 Char 1 5 1 FILLER AC1RPI Zoned 8 0 6 8 RECEIVING POINT IDNO 6 AC1RPC Zoned 1 0 14 1 RECEIVING POINT CHECK 7 ACI1SP1 Char 1 15 1 FILLER 8 AC1SPI Zoned 8 0 16 8 SEND
21. act match for the offset account than relying on Company Name or batch description which can change according to operator whim The TaxID is not always the same either with some software dropping the leading 1 other software leaving it in place The FedCheq Manager uses various methods in a certain order to try and match these three fields when the ColD is missing including searching with and without a leading 1 on taxid and there is a test file called TestLookup FED for testing that The settle record fields can be over ridden in both Build and Merge and in the case of the FedCheq Manager a complete customer database can be used to select the proper settle record Master Options The Account Account Type and TaxID shown on this screen are for billing purposes According to the fee schedule setup in the Company database record and if Suppress Billing switch is off when Building or Merging then a debit entry would be made in the Name and ACH Charges account of the REC5 settle company for that bacth and a ACH Income credit entry will be made on behalf of the Origination Name using the Account Type and TaxID entered here Many banks use a GL account for this entry FedCheq April 2010 Manual Suppress Addendas The default for this option in Build and Merge which can be over ridden The FRB charges extra per addenda so many times these are stripped On CCD TXP IAT or CTX addendas cannot be stripped since they are an integral part of the data
22. an Build A batch with loan info can currently only be built in the Build screen A single batch build allows setting the cycle days for just that batch and provides for multiple output options There is the option to create BOTH debit and credit entries together or build either one alone Loan Options fe 8 Create BOTH Debit and Credit Entries 9 Create Debit Entries ONLY C D Create Credit Entries ONLY This split build option allows doing the debits first to make sure they all clear then do all the credits If any debits are rejected then that specific credit entry can be suppressed by using the Hold flag on the rejected records For FedCheq Manager customers only the Build screen can filter loans as described above If you need to Split ONUS on your loan file the procedure is to first process them using Build with the output set to the Merge folder then process in Merge with or without other batches to Split ONUS Build Folder Build to OUTBOUND fe Build to MERGE FedCheq April 2010 Manual Import Export The many Import formats are shown below It is recommended to import into an empty batch to easier see the results wee NACHA Format t FedCheg CSV Format wee FedCheg FlXed Width wee ACH Transaction Format we Yardi Billing File vee WhitePlains City Tax we Jack Henry ACW are CSY ve Gramatan Billing File wee BankTEL AH Batch Format we BankTEL AS400 AG File wee Bayway System Import Use NACHA to transfer batch header
23. any level with REC8 sub totals and on a record level with REC6 limits When Merge loads the batches placed in the MERGE folder it splits multi batch files into single batch files so they can be edited and to simplfy processing Merge allows for per batch Clear Dates or can apply the same Clear Date to all batches at once It also allows each batch header to be edited and each batch can be edited to make last minute changes FedCheq April 2010 Manual NACHA Merge for C FEDCHEQ MERGE BUILD CLEAR BATCH April 100406 TestFoxHolowApts FED FOXHOLLOW APTS RENTALS 5 100406 TestFoxHollowPayroll FE FOXHOLLOW APTS PAYROLL 100406 TestWestWoodPayrol FE WESTWOOD INC PAYROLL 23 2 Batch 1 from TestFoxHollowApts FED ClearDate is too old Set Same Date for All Batches E Include E Ignore ia ts Edit Header I 4 Do blocking fill Beports 5 ONUS I 6 TaxlD Ignore lead 1 D 7 Cycle Filter d1 d2 HE fae FileMgmt 2 Batch Risk Limits OUTBOUND 8 Allow HoldBacks 100000 00 D M 9 Encrypt on Build 100000 00 D HE Build Options _ NACHA Header REC1 4 Build ALL m IT 1 Split out ONUS File ID H v ONUS Route List 325180595 vi BS I 2Add offsetting enty DESTINATION FRE ATL Route 061000146 fi aeea VW 3 Suppress Billing 4 Suppress Addendas ORIGINATION ALTAPACIFIC BANK Route 121144311 7 Loaded 3 batches all ready to proces
24. batch more than one REC5 and REC8 then the Batch Manager will open first and allow you to select the exact batch to edit using the Edit FedCheq April 2010 Manual button You can read more about the Batch Manager here E ACH Batch File C FedCheq BATCHES TestF oxHollowApts FED SORT NAME AMOUNT ROUTE ACCOUNT TAXID ADAMS KEZIA C ADAMS 655 01 325180595 a ADAMS TAMMY ADAMS 0 01 031207869 8802745696 ALDRI ROD ALDRIDGE 234 50 065505870 460712 37893 ANDER BRUCE M ANDERSON 123 20 065305436 44725667 ATKIN SANDY CAROL ATKINS 245 14 065505870 8802656978 BALDW DEBBIE BALDWIN 432 39 325180595 440347456 SORT RECORDS DEBITS 427335556 DC 587235656 DC 416741256 DC 031364688 DC 426317895 DC 425377562 DC CREDI RR PPD Transaction REC6 Name KEZIA C ADAMS Names Account 4403819671 PPD Addenda REC7 1Debit A Amount 655 01 27 ve 3 Cer A Prenole A its Change x Clear Hold On Output I Force Debit or Credit ie i ss 2 Shane RecKey 1 LoanKey0 FEF avings Route 1325180595 z re C Loan FICA 427335556 Aa ee Addend I 1 PPD Settle REC5 FOXHOLLOW APTS t se Se Co ID fi r z l Settle TaxID 678904563 Batch Description RENTALS Loi z Batch Editor B Save Add E Delete W Find a Import T Export Be 14 records for pr processing 0 record s flagged hold not part of totals The Batch editor is composed of a so
25. e records processed The default filename used by Merge processing is OUTBOUND FED but you may use the File Name field to customize this path and file to your specification The Build process keeps the filename the same as the batch selected it just creates the newly created file in the OUTBOUND folder ONUS Path and FileName This path is used by Merge to create and write the ONUS file when merging NACHA files The default filename used is ONUS FED but you may use the File Name field to customize this path and file to your specification If the Split ONUS flag is on only those records matching the ONUS routes are placed in this file If the Split switch is off and this file is empty it is deleted when Merge is finished MERGE Path The folder where FedCheq looks for NACHA batches to process by the Merge module These files can be placed there optionally by Build i e when processing a Loan file or a file that you need to use filters on to only process some records Build has the option in the Manager version to either build to the OUTBOUND folder or the MERGE folder NACHA files are usually placed here by the FedCheq File Manager or other file copy programs as files come in thru the day for processing IMPORT Path The folder where the program looks for files to import Some users of FedCheq do filtered file imports of their core processing file for back office credit or debit entries to other software FedCheq supports 11 different import formats
26. he Merge module these values are cumulative for multiple batches for the same company record A warning entry is made in the build log file and a popup dialog warns if any limit is exceeded and also on screen displays in Build and Merge warn when limits are exceeded Risk Management for this Account Max Credits Per Batch 100 000 00 Max Debits Per Batch 100 000 00 Build NACHA The Build screen is used to create a NACHA output file suitable for clearing the Federal Reserve with a proper Clear Date correct counts and totals hash totals and with or without an offset entry billing and addendas It is designed for single batch NACHA files being the main NACHA creator for the FedCheq Client version It is used in the Manager to build Loan files with the ability to create Debits only Credits only or both types of Loan entries FedCheq April 2010 Manual Building NACHA to C FEDCHEQ MERGE TestF oxHollowApts FED NACHA Clear Date NACHA Header REC1 Sii Clears 100415 1 Soonest Date File ID Modifier H vi April v SveClass 225 Debits Only vi IS MT WT FS IG EG ORIGINATION DESTINATION KG amp 4 a Name ALTAPACIFIC BANK FRB ATL 12 13 14 GS Gal n gt Route a 18 19 20 21 22 23 24 oute 121144311 TRF ach 061000146 fi FRE 25 26 27 28 29 30 _ i vw al FAA ran ran County US ief Cur JEU 430 US 1 USD er jeu g us Ba 0 3 Exchange FV Fixed to Variable v Rate 1 006 l Ret J Bui
27. his case just turn off the Encrypt Decrypt switch and the Copy works normally It will copy either file you select regular or encrypted and copy them as is DO NOT USE ENCRYPTED FILES TO COPY TO A FLOPPY FOR FEDLINE THE FEDLINE SOFTWARE CANNOT READ THE FEDaes FILES ONLY THE FED FILES Loan Processing Loans are maintained in a standard PPD type NACHA batch with the extra loan data stored in an external database using a key written in the NACHA record The database key is stored in the REC6 Originating DFI 80 for 8 and on final builds this key is replaced with the Originating DFI The loan account has its own route so it could be external to your bank There is also a Charges field so a fee entry can be made at build time A new cycle days control can now apply a cycle day or days value to any NACHA record even non loans that can be used in the Build screen to filter the records you want processed Cycle Days In the Batch Editor a single day can be used or multiple cycle days can be assigned by using commas i e 5 10 15 20 Cycles day or d1 d2 d3 5 10 15 20 w l The Cycle Day report will show what is assigned to each record in a batch When creating final output in the Build screen to filter by a given cycle day or days just turn on option 7 and type in the days wanted Only those cycle days desired will be output The program remembers the last cycle filter used and will only filter if checkbox 7 is ON Turn it OFF to out
28. information Ok Cancel ii Import Selections 3 When selecting the NACHA and ACWare formats and there are more than one batch or record available then the Import Filter dialog is shown to better control the results shown below FedCheq April 2010 Manual m Batch Filters 220 filtered batches of 298 total E A 2 ee EE pparch _ cuears co name ewr pescrrer comm nesrrs Dow 208 080625 WESTERN UNION Du 209 080625 DIRECTV lus 210 080625 WASHINGTON NAT Clu 211 080625 AETNA LIFE INS 9037779001 1113 00 9DTVDTV 54 56 1370844470 17 80 1066033492 32 47 Record Filters 837 items Select item to filter or top blank record is no filters IV Convert CTX records to PPD records I Flip Debit to Credit or Debit to Credit during Import M Truncate FICA or RMRAcct data at 1 0 bytes ACCOUNT ROUTE TAXID 2144228 065304327 CARL SANDERS 030014 2145282 065304327 FREDS 1168 2145282 065304327 VERA B SMITH 428646 2145407 065304327 3060 2145787 065304327 4794 Options Vv On import of ANSI 12 records put RMR cct as Addenda record instead of re placing FICA T axID field Credits Oni Also assumes FICA on non ANSI 12 records has Customer Acct and creates Addenda record Debits Only Debits and Credit M Offset CTX Impor 101712977 065304327 LINDSEY D 160 61 26 FedCheq optionally converts CTX RMR records into NACHA RECE6 records using the Credit Debit flag of
29. itch is on each time a build is done the FED file is built AND the file is encrypted to another file with the FEDaes extension J Encrypt on Build If you send FED batches via email on a regular basis this is the best option to use since you only have to select the FEDenc file to Insert or Attach to your email These files are found in your NACHA or OUTBOUND directory For the FedCheg Manager when this option is on both ONUS and NACHA files are encrypted Encrypting Batches Optionally Batches can be encrypted and decrypted in the FedCheq File Manager when using the Copy button A new switch in the File Manager dialog controls the encryption decryption process Encrypt Decrypt Copy If your workflow requires emailing a batch and it is not yet encrypted you can select the file in the left side Source listing then click the Copy button with the Encrypt Decrypt switch on and the file will be copied and encrypted The Decryption option works a little differently If you are copying files that are already encrypted and you do not want to include the regular decrypted version turn 5this switch off The Encrypt Decrypt switch looks for the enc extension and if it sees it appended to the file name it decrypts the contents automatically If you send encrypted files on a regular basis and use the automatic encryption during the build you do not want to use the Encrypt Decrypt switch because it will decrypt the file again In t
30. ld Folder i NACHA tR fo kadonursounn RE amp Build to MERGE Company FOXHOLLOW APTS ColD 1 ts Settle Build Options i Description RENTALS Account 5667377 I 1 Make offsetting entry Co TaxD 678904563 AcctT ype Checking Loan Savings GL e vi 2 Suppress Addendas IV 3 Suppress Billing j Risk Management gt 25 fa Browse T 4 Allow Holdbacks ag Batch Limits vike ERE OFAC 10000000 D 6 AddFedline blocking I 7 Filter by Cycle Days E 100000 00 CREDITS NE Loan Options C 8 Create Both Debit and Credit Entries 9 Create Debit Entries Only 0 Create Credit Entries Only Exit Settlement Key 1 MaxCredits 100000 00 MaxDebits 100000 00 Cycle filters can be used to control the output as well as ignoring any Hold flags set in the batch editor Read about cycle filters here Manage NACHA The Batch Manager is used to add extract and delete batches from a multi batch NACHA file Using the Add Files button it can also be used to append a single or multi batch NACHA file to the existing file It is also used to select a batch for processing or edits When called from the Main Menu with Files Batch Manager it can be used to load a single batch file so new or existing batches can be added to it In the older FedCheq only the Merge module could perform this feat but using the Create New screen and the Batch Manager complex multi batch NACHA files can be c
31. nfo Code Route DFI Date Reason Amount Pay Method Pay Format Route DFI Qualifier Accounttt Qualifier Qualifier Account Qualifier Tax ID P P Payment Included Remit Info 8714 68 C Credit Debit ACH ACH or CHK CTX BPT Bill Pay PBC Corporate Check ORIGINATOR 591 000134 jor O1 ABA Route 04 Canadian Bank 67567568 C DA Checking SG Savings RECEIVER DESTINATION a 121144311 01 01 ABA Route 04 Canadian Bank 2342345 DA DA Checking SG Savings 567373 201 00414 not widely supported or used TRN Trace Group Code E Current 2 Reference 3 Reassociation L 80 chars max Reference p Data Separator IAT Addendas T The new International ACH Transaction format provides extra addendas for detailed information on originating and destination accounts and banks along with up to the last 5 correspondent banks that handled the transaction and up to 2 extra remittance addendas The OFAC terrorist list must be used to check all of these names and accounts for any hits on the latest list Each time FedCheq is started it checks the Internet for the latest OFAC list to be used in this module 28 FedCheq April 2010 Manual IAT Originator Information Originator ABC GROCERY STORE BOC Back vi Address 5420 CALLE DE POCO Recy Amount oo City St Prov NuEvO LAREDO Recv Name MATT DILSION Country Postal Mxo6054 Recy
32. nly seen RMR remittances and the TXP tax format When creating a new CTX record and the type is not known a popup dialog asks which type you would like to create since they have different edit screens The RMR type can have up to 9 999 addendas which means possibly 10 000 records depending upon whether full address and date time info is with each RMR record The CCD and CTX addendas can use either the or character seperators and the raw addenda is built on the screen each time a change is made and the addenda synched in position to the current record being edited 25 FedCheq April 2010 Manual EYE gt PENGE VA CTX Addenda a RMR Information Item 1 of 15 RMR ACCOUNT BLAIR RICHARDS 10032876609 1200 87 PHILIP TETTLE 10031153553 757 32 SALLY HARRIS 10002490805 1502 99 SARA P LOTHIS 10031364503 6455 01 CHRISTOPHER STRICKLEN 10031412940 1211 47 f BLAIR RICHARDS 10032876609 1 200 87 NM1 Type PR PR Payor PE Payee NM1 Code 1 Person Action Code PO PO Pay on Acct N2 Address 1 003 LEE STREET Ref Code 1 2 CR CustRef lV InvoiceH PO PurOrder N2 Address Invoice 4 Save N City ELLISVILLE Discount EE add N4 State MS N4Zip 39437 N4 Country 150 Penalty Bow DTMDate 20071016 DTMCode 00 ENT Code DTMTime ISA 00 00 01 15T ADVANTAGE B 01 WESTWOOD INC 071015 193 8 U 00401 000000634 0 P GS RA 15ST ADVANTAGE B WESTWOOD INC 20071015 1938 1 X 0 04010 ST 820 0001 BPR C 13046 06 C ACH CIX 01 081019
33. pany record define ACH_COID 4 define ACH CONAME 16 define ACH_COACCT 20 EFPT date 8 EFT date 8 destination origination standard width shash value combo control max with check digit standard addenda EFTP tax addenda special addenda 9 without check digit FedCheq April 2010 Manual define ACH CONUM 10 define ACH CODESC 10 define ACH CONTACT 55 define ACH ADDRESS 40 define ACH CITY 21 define ACH STATE 21 define ACH COMMENT 55 define ACH PHONE 14 define ACH EXT 5 define ACH ZIPCODE 12 ANSH2 define ACH RMRACCT 30 IAT Format define ACH_IATAMT 18 define ACH_IATDFI 34 define ACH_IATNAME 35 define ACH_IATACCT 35 define ACH_IATRSV 14 J ackHenr y AC rehouse File 20 20 Versi on Not i ce the routes and Clear Dates are stored as Zoned fi el ds which truncat es l eadi ng zeros FI ELD NO DESCRI PTI ON 1 ACRTYP 2 AC1TYP 3 AC1PCD 4 ACIRP1 5 ACIRPI 6 ACIRPC 7 AC1SP1 8 AC1SPI 9 AC1SPC 10 AC1DT 11 AC1TIM 12 AC1MOD 13 ACIREC 14 AC1BLK 15 AC1FC 16 AC1DES 17 ACIORG 18 ACIREF 19 AC5CLA 20 AC5COM 21 AC5CDD 22 AC5CID 23 AC5SEC 24 AC5CED 25 AC5CDT 26 AC5EED 27 ACSSET 28 AC50SI 29 AC50DF 30 ACSFEI 31 AC5FER 32 ACSFEF 33 AC5DCC 34 AC50CC ZO ZO ZO FIELD NAME FIELD TYPE ned 1 0 ned 1 0 ned 2 0 Char 1 ZO ZO ned 8 0 ned 1 0 Char 1 ZO ZO ZO ZO OFFSETLEN N 14 100 16 24 25 31 35 36 39
34. put everything FedCheq April 2010 Manual IV 7 Filter by Cycle Day gt 110 11 14 day or dayl day2 day3 The Cycle filters can be used to selectively output a single record or a few from a large batch by assigning them a cycle day in the Editor then building with that same cycle filter on Use the Credit Debit switch to reverse a charge or keep the same to hit an account again because of a previous rejection Loans Info The loan system is designed to work using a loan clearing account as the settlement record for the loan batch A customers bank account is the main batch record and is debited for the loan amount charges then the loan account is credited with the loan amount The loan charges if any are then summed and applied as a credit to the bank s ACH CHARGES income account set by Program Options There is a new Loan button in the Batch Editor that loads a small screen holding the loan account route start and expire date charges and comment Each record in a batch can be assigned a payment record that will generate a credit type 52 loan entry in conjunction with the debit entry of the original batch record Loan Payment Info Credit Entry Trans Code 52 JOHN FELLER 673 57378 Account 3451556 Loan Route 1121144311 ONUS Er Start Date February 5 2008 Expire Date February 5 2011 Charges 11 00 Billing Cycles day or d1 d2 d3 125 Comment Delete Cancel Loan Key 4 Lo
35. reated in the Client FedCheq April 2010 Manual Multi Batch Manager Total Debits 89769 47 Total Credits 457975 22 BATCH CLEAR 1 05027 2 050428 050429 050429 050429 050429 050429 oon oon amp w 050429 050429 10 050427 Ean E Add Emo f DelBatch Add File 4 Extract CONAME Cellular South DFAS CLEVELAND US TREASURY 310 US TREASURY 220 US TREASURY 220 DFAS IN IND IN DFAS IN IND IN DFAS DE DEN CO US TREASURY 220 IRS CODESC eBill Paym FED SALARY SUPP SEC VA BENEFIT VA 31RECUR ARMY ACT ARMY ALLT AF MP ALLT TAX REFUND USATAXPYMT COTAXID 1640772348 3041036004 3101736121 3111036002 3111036002 3074036026 3074036194 3102036529 3111036170 3387702000 svc 225 220 220 220 220 220 220 220 220 225 Reports ENT PPD PPD PPD PPD PPD PPD PPD PPD PPD CCD Pas oe Es ce ED DEBITS 7137 0 00 0 00 0 00 0 00 0 00 0 00 0 00 0 00 9847 34 CREDITS COII 0 00 4 746 01 18 34552 97 38024 00 10 693 25 9 8770 52 9 1750 00 10 100 00 61 16769 00 9 0 00 14 File C FedCheq BATCHE S Complex0007 FED has 199 batches Highlight batch to Edit then press Edit Batch button Merge NACHA The Merge module available only in FedCheq Manager can handle processing many multi batch NACHA files with output options for Splitting ONUS creating Offset Entries with or without billing and provide Risk management on both a comp
36. rted listbox containing all of the records of the batch with editable data fields of the highlighted record for making changes Highlight the record you want to edit then make changes and press the Save button Pressing the Add button pops up the Names History dialog with a list of every name ever used in the system for selecting existing names to add to the batch or type new data in the edit fields at the top of the list and press ENTER to add Risk Management Record Level Risk The max debits and credits for an individual are entered when editing the batch in the editor with the Risk button which provides the screen shown below These limits apply on each build of a batch and apply to individual entries not daily totals A warning entry is made in the build log file and a popup dialog warns if any limit is exceeded FedCheq April 2010 Manual Account Level Risk Management Customer a SANDY CAROL Route and Account 065505870 8802656978 Limits For Any Single Transaction Max Debit Allowed 5 000 00 Max Credit Allowed 64 000 00 Batch level risk management is handled per Settlement an records in the Settlement edit module Ctr 4 from main screen Er LoadDefault 3 Sat fe Apply All 12 gt IX Close Record Key 92 Batch Level Risk The FedCheg Manager provides debit and credit limits in the Settlement Account database that looks at offset account totals at the batch level on any given build In t
37. s File Management The FedCheq File Manager is used to copy files onto the system usually from a floppy disk or memory stick As files come in you can place them either in BATCHES if you want to keep them permanently or in MERGE if you want to process them daily and then use Archive to store them away The Encrypt Decrypt button is used to encrypt or decrypt a file using the ase or enc extension which has been encrypted by FedCheq using the older 64 but Blowfish encryption or the newer 256 bit AES encryption that is US Govt approved If the switch is off then the file is copied as is Only use encryption when sending files to and from customers do not use it for final processing as these files will be rejected by the FRB or any other source since they will be unable to read them File copies are done from left to right Source to Destination Select the Source folder and Destination folder then highlight the file to copy in the left list and press the Copy button it will be copied over The Copy All will copy every file in the left list to the right side The Verify Delete and Rename buttons can work on either the left or right side just highlight the file desired then press the button and the procedure will be performed on that file FedCheq April 2010 Manual FedC heq File Manager Source Destination CAFEDCHEG BATCHES Floppy Disk all files C MERGE Folder all files C QUTBOUND Folder all files p C
38. s the folder where FedCheq exe is installed usually C FedCheq Default Header Destination Route The default destination route for NACHA builds The button with the bank on it can be used to select from available Federal Reserve banks Origination Route The default origination route for NACHA builds The button with the bank on it can be used to select from available ACH registered banks These options can be over ridden in both Build and Merge Default Settle The default settle is the NACHA REC5 data used by default when creating a new batch NACHA REC5 is usually your bank and is the clearing account used to apply the debits and credits It does not carry an account number but instead has a required TaxID that along with the Name allows the Federal Reserve to indentify the settlement day account Other fields are Description and an Account number and Type Checking Savings GL or Loan that is used by FedCheq when creating a REC5 offset entry to balance a given batch The ColD Company ID is a unique database key number used by the FedCheq program to flag a given Manager company record to make it easy to match the batch to a company database record For example if your ABC company record in the Manager Company database is ColD 4 then you would instruct ABC company to place a 4 here so when they build their payroll or debits file a 4 will be stored in the optional field Company Extra of REC5 This feature allows the Manager to do a more ex
39. the master CTX REC6 Usually the RMRAccount value is placed into the NACHA TaxID field but you have the option of creating an addenda record instead The Flip Debit to Credit option is used to create an offsetting file for accounting purposes The Truncate RMRAccount data option is because some vendors append extra data to the account field such as Date or processing codes truncating at the length of your account field cleans this data up so it is useable again Export Data The following selections can be made to export a single batch FedCheq April 2010 Manual fi Export Selections jinformation wee NACHA Format te FedCheg CSV Format wee FedCheg Fled Width ys ACH Transaction Format Use NACHA to transfer batch header i cara NACHA Format Data Sizes define ACH_ONE 1 define ACH_TWO 2 define ACH_CODE 3 define ACH_HRMM 4 define ACH_TAXTYPE 5 define ACH_SORT 5 define ACH_COUNT 5 define ACH_TAXDATE 6 define ACH NUMBER 7 define ACH_DATE define ACH DFI define ACH TIME 12 define ACH TRACE 15 define ACH HNAME 23 define ACH WIDTH 94 define ACH HASH 31 define ACH COMBO 70 individual records define ACH_NAME 22 define ACH_ACCT 17 define ACH ROUTE 10 define ACH TAXID 15 define ACH AMOUNT 10 define ACH ADDEND 30 define ACH TAXADD 55 define ACH AHADD 80 header record define ACH_AHAMT define ACH_ACHTOT 9 define ACH AHROUTE define ACH TOTAL 12 com
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