M&T Bank Treasury Center ACH...Treasury Center ACH USER GUIDE Equal Housing Lender ©2019 M&T Bank. Member FDIC . —2— IMPORTANT SECURITY REMINDER TO ADMINISTRATORS Please be sure

For informational purposes only, not considered an advertisement.

M&T Bank Treasury CenterS M ACH

USER GU IDE

Treasury C enter ACH U S ER GUI DE

Equal Housing Lender ©2019 M&T Bank. Member FDIC . —1—

TABLE OF CONTENTS

ACH OVERVIEW .................................................................................................................................. 3

DUAL APPROVAL ...............................................................................................................................6

SAME DAY ACH PAYMENTS ............................................................................................................6

CREATING APPROVAL STRUCTURES............................................................................................ 7

APPROVAL STRUCTURE EXAMPLE ...............................................................................................8

CREATING ACH TEMPLATES ...........................................................................................................9

CREATING AND MANAGING TEMPLATE GROUPS .................................................................... 11

IMPORTING ACH TEMPLATE ......................................................................................................... 13

MANAGING YOUR ACH TEMPLATES ........................................................................................... 14

INITIATING AN ACH PAYMENT ....................................................................................................... 15

INITIATING MULTIPLE (REPETITIVE) FILES AT ONCE ............................................................... 16

IMPORTING ACH FILES ................................................................................................................... 17

APPROVING ACH PAYMENTS ........................................................................................................ 18

ACH PAYMENT STATUSES............................................................................................................. 19

REVERSING ACH PAYMENTS ....................................................................................................... 20

CREATING ACH PAYMENT REPORTS .......................................................................................... 21

CONTACT US .....................................................................................................................................22



IMPORTANT SECURITY REMINDER TO

ADMINISTRATORS

Please be sure you carefully review the permissions assigned to your ACH user(s) to ensure you segregate create/modify ACH permissions from ACH approval permissions and segregate create/modify ACH template permissions from approval ACH template permissions. This will help increase your level of security against internet payments fraud.



ACH OVERVIEW

M&T Bank Treasury Center’s ACH service allows you to originate Domestic ACH credits and debits as well as International

ACH credits (IAT). ACH features include: The ACH module is available daily, 24 hours per day1, but ACH payments must meet certain deadlines (by payment method) to

be processed same day. ACH payments can be future dated 45 days in advance.

• Credit files should be submitted at least two business days prior to the effective date

• Debit files should be submitted no later than one business day prior to the effective date

Note: ACH files can never be submitted the same day as the effective date, unless they are Same Day ACH payments. Also,

the Receiving bank may have earlier deadlines to meet a one business day processing timeframe. Payments should be

submitted no later than 2 business days prior to the effective date to allow enough time for both M&T Bank and the Receiving

bank to process the transactions.

Identified on the next page are the scheduled times that ACH payments are uploaded by Treasury Center for further

processing and submission into the ACH network. Once a payment is in a submitted status, changes cannot be made.

However, Treasury Center has a standard Reversal option that allows users to create a reversal of an ACH payment or file sent

in error. This can be done on the effective date or up to 5 days after the original payment.

1 M&T Bank is not responsible for matters that are outside of its reasonable control that might impact availability and

functionality.

Features Description

Payment List View Widget View, print or export summary and detail information of ACHs submitted via Treasury Center. Approve, Modify, Reject or Reverse originated ACH payments from this Widget. Maintains 100 days of historical information

Add a New Payment Initiate a single of batch of ACH payments. Accessed from the Payment List View Widget

File Import Import a NACHA formatted ACH file to be processed. Accessed from the Payment List View Widget

Quick Entry Initiate unlimited repetitive ACH payments at one time. Accessed from the Payment List View Widget

Template List View Widget

Manually enter and save the payment instructions that will be used to create ACH payments. Create a File Map and import ACH instructions that can be used to create ACH payments. Create groups of ACH Templates for easy multi-entry submission

Report Management widget

The following Standard Reports are available and can be customized - ACH Company Report - Template Detail Report - Payment Detail Report



ACH Processing Windows:

Treasury Center ACH Scheduled Upload Times (ET) M&T Processing Times (ET)

10:00am 11:30am

11:30am 1:45pm

12:30pm 1:45pm

2:30pm 4:00pm

3:30pm 4:00pm

5:00pm 7:00pm

6:00pm 7:00pm

Note: All times are Eastern Time Zone



Free Form payments may be originated or Templates created and saved for the following types of payments:

Note: Not all payment types are available to all organizations and users.

Payment Type Recommended Use

Cash Concentration Collection of funds from another corporate account, such as collection of accounts receivable funds or cash concentration from your organization’s associated account

Cash Concentration / Disbursement Option to send payments to another company or organization (credit) or collect funds from another corporate account (debit)

Cash Disbursements Payments to another company or organization, such as vendor payments

Child Support Payments Payment of child support collected from your employees’ payroll, to the appropriate authority

Consumer Collections Collection of Membership Dues, or bill collection from Personal Accounts

Consumer Collections / Payments Collection of Membership Dues, or bill collection from Personal Accounts

Consumer Payments Payments destined for personal accounts

Corporate Collections Collection of funds from another corporate account, such as collection of accounts receivable funds or cash concentration from your organization’s associated account

Corporate Trade Exchange Provides the ability to make a payment or collection transaction to a corporate account with formatted addenda records

Corporate Vendor Payments Payments to another company or organization, such as vendor payments

International Transaction Formatted payment to international beneficiary

Payroll Payroll payments destined for personal accounts

Tax Payment Formatted payment to a taxing authority. Provided information will be formatted to meet the taxing authority’s requirements

Note: if you need to send a Healthcare payment, simply check the “This payment is to a Healthcare Institution” checkbox from

the Corporate/Vendor ACH payment type.



DUAL APPROVAL

Dual Approval security controls can be made mandatory for ACH Payments and or Templates. This extra level of security

requires that a separate user other than the originator review and approve submitted ACH payments or newly created or

modified templates before they are processed.

Once an ACH payment has been submitted, users with the necessary entitlements can review and act on the pending

requests from the Payment List View Widget summary grid. Users can Approve or Delete pending items one at time, multiple

items or all items at one time.

SAME DAY ACH PAYMENTS

Same Day ACH is a new capability offered by M&T Bank. You must opt-in for this service. It is a universal same day capability

for Originators to move payments faster. This new capability is offered for both Credit and Debit Origination.

There are limitations on the types of transactions that can be sent. International ACH Transactions (IATs) and payments above

$25,000 are not eligible for same-day processing. In order to meet the industry cut-off time for same-day processing, file

must be submitted and fully approved on Treasury Center by 12:30pm ET.

Once you have opted-in for Same Day ACH, sending a file is easy. You can use any existing profiles/templates for any same-

day file, without the need to create specific Same Day ACH profiles/templates. Under Payment Format, simply select "Same

Day ACH" to submit a Same Day ACH file.



CREATING APPROVAL STRUCTURES

Treasury Center offers customers Dual Approval for ACH payments, which means at least one Treasury Center user initiates

the payment and a different Treasury Center user approves the payment. For customers that want additional control and

approval workflows Treasury Center offers the ability to create, save and manage Approval Structures.

From the Approval Structure Maintenance widget:

Step 1 of 2 – Payment Methods and Accounts

1. Click Add Approval Workflow.

2. Enter a Panel Workflow Code (the name of the workflow) and a Description

3. You can choose to create this Approval Structure to apply to one, multiple, all Payment Methods, or a specific payment

Template(s).

4. Select the desired Entry Method.

5. Select the desired Account(s).

6. Click Continue.

Step 2 of 2 – Threshold Amounts and Approvers

1. Enter a Threshold Amount.

2. Select an Approval Sequence.

• Fixed All – Payments must be approved in the exact order of Approver Names

• Fixed First – Any user(s) designated as Approve Name 1 must always be the first to approve a payment

• Fixed Last – Any user(s) designated as the last Approver Name must be the last to approve a payment

• Not Fixed – Payments can be approved in any order of Approver Names

3. Select as many Approver Names as desired. Note: Users are designated an Approver Name in Step 1 of 4 in User

Administration.

4. Click Save.

Note: You can add additional Approvers to a Threshold, additional Approver Sequences to a Threshold and/or additional

Thresholds.

An example of Step 2 of 2 Threshold Amounts and Approvers is shown on the next page (page 8).



APPROVAL STRUCTURE EXAMPLE

• The Threshold Amount is set at $50,000

• If an ACH payment is submitted for under $50,000 with this Approval Structure, it requires one user designated as Supervisor and one user designated Manager to first approve the wire – order of Approver name does not matter for Approver Name 1 and 2

• Once the payment has received approval by both a user designated as Supervisor and a user designated as a Manager, the last approver must be made by a user designated as SVP



CREATING ACH TEMPLATES

Template creation is accessed from the Template List View Widget. This widget is located on the Payments Management

workspace. To add a new template:

1. Click Add New Template.

2. Select the desired ACH Template Type from the dropdown. You can also type in the Template Type as well.

3. Click Continue.

4. Templates are organized into sections. Complete each section according to the template type selected.

• Mandatory fields will be identified by a red asterisk (“*”)

• Some fields show a lock icon. To lock or unlock the field click on the lock icon. When the lock is locked the field cannot be

modified when submitting an ACH payment

• At any point you can save your progress and finish the template later by clicking the Save for Later button

5. Template Information. In this section you fill out information to help identify the template and security controls:

• Template Name

• Template Description

• Approval Workflow – the Approval Structure is setup separately from payment templates and dictates the approval

workflow that needs to be followed for the ACH payment to be processed. See page 7-8 for more detail

• Max Trans Amount – set a max dollar amount for the template. If a dollar amount is input that is greater that the Max

Trans Amount the ACH will fail

• Restrict – if this checkbox is clicked only users that are given access to this template via User Maintenance can access

and use the template

6. Originator Information: In this section you select your sending account:

• Originator ID - Select the desired sending Originator ID by clicking the dropdown. You can search for your account by

scrolling down or typing in your account name or account number

• Batch Description – this shows up on the recipient’s account statement

• Company Discretionary Data

• Descriptive Date - This is the date displayed to the receiver for descriptive purposes. For same day payments, this field

may be protected

• Internal Comments – this is does not travel with the ACH payment, but is captured and retained in the Summary Grid

7. Beneficiary Information: This section is where you fill out information pertaining to receiver of the ACH:



Domestic Tax International

• Name • Bank Code • Account Number • Account Type • Amount • ID • Discretionary Data • Create Prenote • Hold • *Addenda Format • *Addenda Code • *Addenda • Internal Comment *Fields only show up depending on payment type

• Tax Authority • Tax Type

Destination information • Destination Country • Destination Currency

Beneficiary Information • Name • ID • Address • Country • Province • Postal Code • Bank Code Type • Bank Code • Account Number • Account Type • Transaction Type • Debit/Credit • Amount • Crate Prenote • Hold

Additional Information • Remittance • Internal Comment

Corporate/Vendor Beneficiary Information Example:

Note: If your ACH is recurring, meaning it should be sent out for the same amount on a defined schedule, you can turn on a

schedule within any template by clicking the Make Recurring checkbox, located at the bottom of the template.



CREATING AND MANAGING TEMPLATE GROUPS

With Treasury Center you can create groups of templates. This allows you to access and originate ACH payments from

multiple repetitive templates at one time when you use Quick Entry.

To create a Template Group:

1. Click the Manage Template Groups.

2. Enter a Group Name.

3. Enter a Group Description.

4. To add templates to your group

• Click and hold on the desired template and drag it from the left side to the right side

• Click the checkbox of the desired template(s) and then click Move selected items below the list of templates

5. Click Save.



To Manage a Template Group:

1. Click the Manage Template Groups.

2. Locate your desired Template Group.

2. Click the dropdown next to View in the Actions column.

• You can select Modify and make changes

• You can select to Delete the Template Group



IMPORTING ACH TEMPLATE

The Template List View Widget allows you to Import ACH Templates as an entry option. To take advantage of this option you

first must create an Import Map. Import Maps can be crated from the Import Widget. ACH Template Import Maps can be

Delimited or Fixed. The creation of an import map is not covered in this user guide.

To import an ACH Template:

1. Create an ACH Template Import Map.

2. Click File Import.

3. Select your map form the Format Section.

4. Click Browse and locate the file you wish to import.


Note: If your import fails there will be a report that you can view which will indicate all errors.



MANAGING YOUR ACH TEMPLATES

The Template List View Widget lists allows you to efficiently view and manage all your ACH templates. From this widget you

can create and save List Views for future use based on criteria such as, sending account, template status, etc. and determine

what columns and column order you want displayed. Template Summary and Detail views can be exported or printed as a PDF

report as well.

1

2

5 4

3

1. Filter

2. View or Take Action on individual templates

3. Approve, Unapprove, Reject or Delete one, multiple or all templates 4. Choose which columns you want displayed or hidden

5. Access or create new List Views



INITIATING AN ACH PAYNENT

You can initiate a payment from the Payment List View Widget. This guide will focus on initiating a payment from a template

with multiple beneficiaries.

1. Click Add New Payment. You will have two options

• Select a Payment Type – used for one-off ACH payments. No originator or beneficiary information is prefilled

• Select a Payment Template – access a pre-established active ACH template

3. Click Select a Payment Template.

4. Use the dropdown or type in your template name and select the desired template. Click Continue.

5. Enter the Value Date. Note: If this is a same day payment click the “Make this a Same Day ACH Payment” checkbox.

6. Adjust any beneficiary Dollar Amounts and/or Holds as necessary.

7. Click Submit.

1. Filter on specific beneficiaries

2. Turn on edit amount – ability to tab from beneficiary amount to beneficiary amount a. Edit amounts individual or adjust all amounts by a specific dollar amount or percentage. You can also clear all

beneficiary dollar amounts 3. Choose which columns you want displayed or hidden

4. Choose how many beneficiaries you want to see at one time

1 2 3

4



INITIATING MULTIPLE (REPETITIVE) FILES AT ONCE

You have the option to enter multiple repetitive ACH payments at one time.

1. Click the Quick Entry.

2. Use the dropdown or type in your template name or template group.

3. Enter the Value Date.

4. Enter the Dollar Amount.

6. Click Add Quick Entry to add additional payment.

5. Click Submit.



IMPORTING ACH FILES

The Payment List View Widget allows you to Import ACH Payment Files. To take advantage of this option you first must

create an Import Map. Import Maps can be created from the Import Widget. ACH Template Import Maps can be Delimited or

Fixed. The creation of an import map is not covered in this user guide.

To import an ACH File Payment:

1. Create an ACH Template Import Map.


3. Select your map from the Format Section.

4. Click Browse and locate the file you wish to import.


Note: You also have the option to Load the file in test mode if you want to validate the file will be successful before officially

loading it.

• Totals shown in the Payments List View Widget will exclude items loaded from test files.

• Reports will exclude data loaded from test files.

• The status of files imported in test mode will be appended with "test xxx".

• Records created as “test” are only eligible for the view and delete action.

• Test file imports will not be auto approved regardless of the user’s permissions.

• Alerts and MFA checks will not be triggered for test file imports.

Note: If there any issues with your file it will fail. There will be a report available that advises what needs to be corrected.



APPROVING ACH PAYMENTS

To help ensure the accuracy of payments and control of funds, Treasury Center allows a second user to view payments

pending approval, review and decision them. To make this easy we have a loaded a predefined List View named “Payments

Requiring My Approval”. When this List View is selected it will load all payments where you are an approver.

1

1. Predefined List View

2a. Ability to select one, multiple or all payments pending approval

2b. Action buttons to Approve, Unapprove, Reject or Delete payment 3. Click View to review the ACH details and approve from the detail view or click the dropdown next to View and access

the same payment options mentioned above in 2b.

2a

2b

3 ACH - Payroll

ACH – Tax Payment

ACH - Payroll



ACH PAYMENT STATUSES

In the Payment List View widget, the following status might appear to indicate where your payment is in its lifecycle:

Status Description

Entered Entered without errors, ready for approval workflow. Can be modified or deleted.

Approved Approval workflow complete. Not available for modification or deletion. Ready to be picked up by M&T Bank.

Released* Received by M&T Bank. Not available for deletion or modification.

Incomplete Saved in an incomplete status, for later completion. Not available for workflow. Can be modified or deleted.

Needs Repair Needs repair, usually due to an error in a file import validation.

Entered Entered without errors, ready for approval workflow. Can be modified or deleted.

Incomplete Approval Currently in approval workflow. Not available for modification or deletion.

Approver Rejected Rejected by approver. Not available for workflow. Can be modified or deleted.

Deleted Deleted. Not available for workflow or modification.

Approval Window Passed Payment did not get sent out, it was not approved before the cutoff time.

Rejected Rejected by M&T Bank. Not available for workflow, deletion, or modification.

Bank Confirmed Confirmed by M&T Bank. Not available for deletion or modification.

*Released is that last status you see for a successful ACH Payment



REVERSING ACH PAYMENTS

If you sent an ACH payment in error Treasury Center allows you to reverse the entire file or individual transaction(s) within a

file. On the payment’s effective date or up to five days after the effective date you may perform a reversal from the Payment

List View Widget.

To perform a reversal

1. Click the dropdown icon next to View in the Actions column and click Reverse.

2. Enter a Reason for Reversal.

3. From the Reversal Section choose Entire Batch or Individual Transaction.

• If you select Entire Batch all the beneficiaries will be automatically selected

• If you select Individual Transaction you can select one or multiple beneficiaries

4. Click Submit Reversal.

Note: Reversals are not guaranteed as they depend on the status of the account at the beneficiary bank.



CREATING ACH PAYMENT REPORTS

The Payment List View Widget lists allows you to efficiently view, manage and create reports of all your ACH payments. From

this widget you can create and save List Views for future use based on criteria such date, date range, sending account,

payment status, etc. and determine what columns and column order you want displayed. Payment Summary and Detail views

can be exported or printed as a PDF report as well.

1

2

4

1. Filter – by date, date range, sending account, status, etc.

2. View individual ACH payment details – from the detail view you can print or export the payment details

3. Choose which columns are displayed or hidden

4. Print or export ACH payment summary

3



CONTACT US

WE ARE HERE TO ASSIST YOU.

For Treasury Center questions or other Treasury Management services, please contact your Treasury Management

Consultant or call M&T’s Commercial Service Team at:

1 (800) 724-2240

MONDAY – FRIDAY 8AM TO 6PM ET

Documents

M&T Bank Treasury Center ACH...Treasury Center ACH USER GUIDE Equal Housing Lender ©2019 M&T Bank. Member FDIC . —2— IMPORTANT SECURITY REMINDER TO ADMINISTRATORS Please be sure