CHASE CONNECT USER GUIDE...mobile browser. System administrators can provide mobile access permission to authorized users though Access & Security Manager. Terms and conditions, including

0Copyright © 2019 JPMorgan Chase & Co. All rights reserved.

CHASE CONNECT®

USER GUIDE Fraud Protection Services

Chase Connectsm 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 system

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 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.

Copyright © 2019 JPMorgan Chase & Co. All rights reserved. 1

https://www.chase.com/chaseconnect

Enrollment

Enrollment Positive Pay: Customize Manage Add Checks Review Reverse Create Tips Upload A File File Format File Format Individually Exceptions Positive Pay Reports < >

1

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.



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.



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.



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.

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


Positive Pay: Upload A File Get 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.


Prepare 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

1



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

2



3

Click Choose file and

select the file to

upload.

4

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 Format Organize your file the way you want, just be sure to let us know

which columns correspond to each category.


1

From the upload file

screen, choose

Customize file format.



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 Update any of the saved customized formats at any time.


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.

1

All formats saved are listed here.

Choose the format you need to

update, and follow the steps in

the Customize File Format

section.

2


Add Checks Individually Don’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.

1


Toggle from Upload file to

Add one-by-one.



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.


Review Exceptions After 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.



2

3 Choose 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.



5

4

If you’d like to see a small

image of the check, choose

the check icon.

See a larger image if you

review exceptions using

Check view.



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.

6



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.

8

7

Choose Next check after

you’ve made a decision

on each. 9



10

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.


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.



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.



If you adjust the check, we’ll ask you

for the Adjusted amount. Then

choose Pay next to the new amount

to authorize.

5

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.

4



7

6

You can see a larger image if

you review exceptions using

Check view.

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.


Create Reports Easily 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.


1 From the Fraud

Protection Services

landing screen,

choose Reports.



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.

3

Choose whether you’d like a

report on Exceptions history or

Check input history (Positive

Pay only).

2



4

We’ll show you a list based on

your search criteria. Print or

download the report by choosing

the appropriate icon.


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.

The System Administrator will automatically receive alerts. Authorized 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.



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.


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.


Documents

CHASE CONNECT USER GUIDE...mobile browser. System administrators can provide mobile access permission to authorized users though Access & Security Manager. Terms and conditions, including