Templates

1. Create an ACH Template

An ACH Template saves routing and payment instructions for one or more Participants (beneficiaries). The ACH template may then be used to create a templated ACH transaction. See instructions for “Create a Templated ACH Transaction.”

To create an ACH template navigate from the Home page, by clicking on Payments & Transfers on the Main menu. The Wire Transfers page will be displayed:

Click on ACH on the submenu. The ACH Payments page will be displayed:

Click on the 'Templates' button. The ACH Templates page will be displayed:

Click on the 'New Template' button. The Add ACH Payment Template page will be displayed:

Company Name: Click the drop down arrow. Select the appropriate company. (Please note that each of your Wachovia accounts will be associated with a unique ACH Company Name.)

Batch Type: Click the drop down arrow. Select the appropriate batch type:

  • Cash Concentration (CCD Debit):
    • Move funds from local bank account(s) to CoBank.
    • Move funds from vendor/business partner account(s) to CoBank.
  • Cash Disbursement (CCD Credit):
    • Move funds to local bank account(s) from CoBank.
    • Move funds to vendor/business partner account(s) from CoBank.
  • Cash Concentration and Disbursement (CCD Credit or Debit):
    • Move funds (mixed) to/from local bank account(s) to/from CoBank.
    • Move funds (mixed) to/from vendor/business partner accounts(s) to/from CoBank.
  • Payroll/Direct-Deposit (PPD Credit):
    • Move funds to employee account(s) from CoBank.
  • Pre-arranged Payment (PPD Debit):
    • Move funds from consumer account(s) to CoBank.
  • Pre-arranged Payment and Deposit (PPD Credit or Debit):
    • Move funds (mixed) to/from consumer account(s) to/from CoBank.

Template Name: Enter an appropriate template name (e.g. Funds to CoBank; Vendor Payments; Payroll; etc.).

Company Description: Enter an appropriate description, relevant for you to distinguish between one template or another. This field is limited to 10 characters. For example: Local Bank; Vendor; Payroll; etc.).

Discretionary Data: Optional field for your use in distinguishing the template.

Template Scope: Click the drop down arrow. Select the appropriate scope:

  • Business: Allows other users at your company to access the template.
  • User: Restricts the template to the user who creates the template.
  • Please note that if you need to change the template scope in the future, the template will need to be created again.

Repeating: Not used by most CoBank customers. This function will allow you to set up an automatic recurring transaction.

  • Unlimited, and # of Payments are associated with this function.
  • When using this function, the system will automatically generate the transaction(s) on the frequency and for the dollar amount(s) specified in the template.

Offset Account: This field will automatically default if you have only one Wachovia account. Otherwise, click the drop down arrow, and select the appropriate Wachovia account.

Click on the 'Add Entry' button. The Add ACH Entry page will be displayed:

Participant: Each entry within the template is considered a participant. For example:

  • If you are moving funds from a local bank account, your account at the local bank is a participant.
  • If you are creating a vendor template, each vendor is a participant.
  • If you are creating a payroll template, each employee is a participant.
  • If you are creating a consumer billing template, each consumer is a participant.

Nickname: Optional. If a nickname is not entered, it will default to the participant name.

Participant Name: Enter the Participant Name. For example:

  • If you are moving funds from a local bank account, the Participant Name is the name of the local bank account.
  • If you are creating a vendor template, the Participant Name is the name of the vendor.
  • If you are creating a payroll template, the Participant Name is the name of the employee.
  • If you are creating a consumer billing template, the Participant Name is the name of the consumer.

Identification #: Enter an appropriate identification number, relevant for you to distinguish between one participant or another (e.g. GL number; Tax ID number; Social Security Number; etc.).

Prenote: A prenote is a $0.00 “test” transaction, recommended by the National Automated Clearing House Association (NACHA), which allows the receiving bank (RDFI) the opportunity to notify you if there is a discrepancy in the Participant (Beneficiary) and Account Number fields prior to you originating a “live dollar” transaction. The RDFI will not respond if all of the participant information has been entered correctly. The RDFI has 7 business days to respond with notification of any changes. Idaho AgCredit will flag the prenoted template for 7 business days to caution the Idaho AgCredit user about the prenote status. The Idaho AgCredit user will have the ability to send a live transaction after reviewing the flags prompted by the system. Select one of the following options:

  • Not Required.
  • Requested.

Bank Name and Routing #. The Bank designated here will receive the transaction for posting to the designated account. (In ACH terms, the bank listed here is considered the RDFI - Receiving Depository Financial Institution.)

  • If you already know the Bank Name and Routing #, you may key in the Routing # in the appropriate field. The system will validate your entry details when saving the template.
  • Or you may use the 'Search' button to retrieve/validate this information. To use the Search feature, click on the 'Search' button. The Bank Lookup screen will be displayed:
  • Enter the appropriate data to search for the Bank using Name, City, State, ABA or a partial entry of any of these fields.
  • Click the 'Search' button.
  • Identify the bank on the list, and click on the bank name.
  • Click the 'Insert Bank Info' button.
  • The system will automatically populate the Bank Name and Routing # fields on the New Add ACH Entry page.

Account #: Enter the participant's account number at the Bank.

Account Type: Click the drop down arrow. Select the participant's account type at the Bank. (Checking or Savings are the most common selections).

Amount: Enter $0.00. (Enter a specific dollar amount only when using the “Repeating” function.)

Debit or Credit: Depending on the Batch Type you selected above, these fields may be defaulted by the system. Select Debit or Credit for mixed batches:

  • Cash Concentration (CCD Debit) defaults to Debit.
  • Cash Disbursement (CCD Credit) defaults to Credit.
  • Cash Concentration and Disbursement (CCD Credit or Debit). This batch type may be used for mixed batches (Debits and/or Credits):
    • Select Debit if you are moving funds from the participant (to CoBank).
    • Select Credit if you are moving funds to the participant (from CoBank).
  • Payroll/Direct-Deposit (PPD Credit) defaults to Credit.
  • Pre-arranged Payment (PPD Debit) defaults to Debit.
  • Pre-arranged Payment and Deposit (PPD Credit or Debit). This batch type may be used for mixed batches (Debits and/or Credits):
    • Select Debit if you are moving funds from the participant (to CoBank).
    • Select Credit if you are moving funds to the participant (from CoBank).

Discretionary Data: Optional (2-digit field).

Addenda: Optional. You may add additional detail for the benefit of the participant. Please note that this information will be saved in the template, and included with all future transaction activity.

Click the 'Add Entry' button. The Add ACH Payment Template page will be displayed, and your participant information will be included at the bottom of the screen:

Click the 'Add Entry' button again if you have additional Participants to add to this template, and repeat the instructions above beginning with “Participant.”

The Add ACH Payment Template page will be displayed each time you complete the steps for adding a new Participant, and your participant information will be included at the bottom of the screen.

When you have finished adding Participants, you are in a position to save the new template. However, if you have chosen to send prenotes as described above, you will need to “uncheck” the boxes labeled “Inactive” at the bottom of the page.

Click the 'Save Template' button. The system will display the ACH Templates page:

The new template will be reflected on the template list.

If you have chosen to send prenotes, the system has automatically generated the prenote transactions.

2. Modify an ACH Template

To modify an ACH template navigate from the Home page, by clicking on Payments & Transfers on the Main menu. The Wire Transfers page will be displayed:

Click on ACH on the submenu. The ACH Payments page will be displayed:

Click on the 'Templates' button. The ACH Templates page will be displayed:

Locate the ACH template you want to modify on the template list. On the right side of the screen next to the template is an 'Edit' icon . Click on the 'Edit' icon to bring up the participant routing and payment instructions associated with this template. The Edit ACH Payment Template page will be displayed:

Add a new participant:

You may add a new participant by clicking on the 'Add Entry' button. When you have finished entering the participant details, click the 'Add Entry' button. The Edit ACH Payment Template page will be displayed. If you have chosen to send a prenote, you will need to “uncheck” the box labeled “Inactive” next to the Participant Name at the bottom of the page.

Modify an existing participant:

You may modify an existing participant by clicking on the 'Edit Entry' icon on the right side of the screen across from the Participant Name. When you have finished modifying the participant, click the 'Save Entry' button. The Edit ACH Payment Template page will be displayed. The participant will be reflected as “Inactive.” Uncheck the box labeled 'Inactive' next to the Participant Name at the bottom of the page.

Delete an existing participant:

You may delete an existing participant by clicking on the 'Delete Entry' icon on the right side of the screen across from the Participant Name. The Delete ACH Entry page will be displayed with a message asking if you are sure you want to delete this ACH entry. Scroll to the bottom of the page, and click the 'Delete Entry' button. The Edit ACH Payment Template page will be displayed. The deleted participant will no longer appear on the list at the bottom of the page.

Click the 'Save Template' button. The system will display the ACH Templates page:

The modifications to the template have now been saved.

If you have chosen to send prenotes, the system has automatically generated the prenote transactions.

3. Delete an ACH Template

To delete an ACH template navigate from the Home page, by clicking on Payments & Transfers on the Main menu. The Wire Transfers page will be displayed:

Click on ACH on the submenu. The ACH Payments page will be displayed:

Click on the 'Templates' button. The ACH Templates page will be displayed:

Locate the ACH template you want to delete on the template list. On the right side of the screen next to the template is a 'Delete' icon . Click on the 'Delete' icon. The Delete ACH Template page will be displayed with a message asking if you are sure you want to delete the ACH template:

Click the 'Delete Template' button. The ACH Templates page will be displayed:

The deleted template will no longer appear on the template list.