7.1 Release Enhancement Seminar Deposits

1. 7.1 Release Enhancement SeminarDeposits

3. SSN/EIN Edits - EN1579 A new Tax ID status field is defined to designate the status of the Tax ID (i.e. certified, foreign-no withholding, etc.). The default values will be added the night you migrate to 7.1 environmentA new Tax ID status field is defined to designate the status of the Tax ID (i.e. certified, foreign-no withholding, etc.). The default values will be added the night you migrate to 7.1 environment

4. Tax ID Number (TIN) Edits New edits were added to the BancWIN Name record to validate the Tax ID Number (TIN) at the time of entry. The edits will perform a validation when the Name record is updated. New edits were added to the BancWIN Name record to validate the Tax ID Number (TIN) at the time of entry. The edits will perform a validation when the Name record is updated.

5. TIN Status Codes Values Update: Application 09 – Name Information Fields: 7287 – TIN Status Codes Values Update: Application 09 – Name Information Fields: 7287 – TIN Status Codes

6. Special Tax IDs Special tax IDs 777-77-7777, 888-88-8888 and 999-99-9999 were used by Banks to designate a foreign accountholder. The withholding code that was entered on the account level determined if the customer’s account was subject to withholding. Since Tax IDs with all 7s, 8s, and 9s have been defined as frivolous and are not accepted for input online, the user may enter Tax ID 000-00-0000 or blank* with the appropriate Tax ID status (either Foreign-withholding or Foreign-No withholding) on the Name record. *Note: All blank entries will display the default Tax ID of 000-00-0000 when the Name record is updated.Special tax IDs 777-77-7777, 888-88-8888 and 999-99-9999 were used by Banks to designate a foreign accountholder. The withholding code that was entered on the account level determined if the customer’s account was subject to withholding. Since Tax IDs with all 7s, 8s, and 9s have been defined as frivolous and are not accepted for input online, the user may enter Tax ID 000-00-0000 or blank* with the appropriate Tax ID status (either Foreign-withholding or Foreign-No withholding) on the Name record. *Note: All blank entries will display the default Tax ID of 000-00-0000 when the Name record is updated.

7. Combinations

8. Withholding Validation for Interest Bearing Accounts The edit program will check the Tax ID status entered on the Name record to the withholding code on accounts linked to the same Tax ID. If there is any ‘mismatch’ of withholding instructions, BancPac will display a “Tin Status/withholding flag mismatch EXAMPLE: a customer with a certified Tax ID has 3 accounts linked to the same Tax ID. The user changed the Tax ID status from “Certified” to “Not certified” on the Name record. The Tin Status/withholding flag mismatch information box displays the accounts with a withholding code of “Do not withhold.” BancPac WILL NOT change the withholding status on accounts – it is the banks responsibility to ensure that the TIN status is correct and corrections are made if needed. BancPac only validates withholding on Interest Bearing Accounts. DDA’s with a status code of 50 or less will not be considered: ie.. Locked, inactive, dormant or pending closed.The edit program will check the Tax ID status entered on the Name record to the withholding code on accounts linked to the same Tax ID. If there is any ‘mismatch’ of withholding instructions, BancPac will display a “Tin Status/withholding flag mismatch EXAMPLE: a customer with a certified Tax ID has 3 accounts linked to the same Tax ID. The user changed the Tax ID status from “Certified” to “Not certified” on the Name record. The Tin Status/withholding flag mismatch information box displays the accounts with a withholding code of “Do not withhold.” BancPac WILL NOT change the withholding status on accounts – it is the banks responsibility to ensure that the TIN status is correct and corrections are made if needed. BancPac only validates withholding on Interest Bearing Accounts. DDA’s with a status code of 50 or less will not be considered: ie.. Locked, inactive, dormant or pending closed.

9. Pre-Migration The RPT585 production prior to migration will allow banks an opportunity to make corrections to invalid TIN’s. Accounts with status 51 thru 62 and 92 through 99 are bypassed Status Code Description 51Locked out to DR 52Locked out to CR 53Locked out-Inactive 54Locked out-dormant 55Locked out-deceased 56Locked out-garnishment 57Locked out-court order 58Locked out-bad address 59L/outACH-deceased 60Locked out to ACH 61Locked out to all dr & cr 62Locked out-chargedoff 92Closed-charged off 94Closed @ cr grantor’s request 95Closed-to be purged 96Closed-do not purge 97Closed-never purge 98Close and purge account 99Closed-to be purged The Foreign TIN status is determined by the withholding exemption code on the first account linked to the same Tax ID. Tax ID is 000-00-0000 and first account linked to the name record is withholding, the name is listed on RPT585 as an exception for informational purposes. Tax ID is 000-00-0000 and the first account linked to the name record is not withholding, the Name is not an exception and not listed on RPT585. The RPT585 production prior to migration will allow banks an opportunity to make corrections to invalid TIN’s. Accounts with status 51 thru 62 and 92 through 99 are bypassed Status Code Description 51Locked out to DR 52Locked out to CR 53Locked out-Inactive 54Locked out-dormant 55Locked out-deceased 56Locked out-garnishment 57Locked out-court order 58Locked out-bad address 59L/outACH-deceased 60Locked out to ACH 61Locked out to all dr & cr 62Locked out-chargedoff 92Closed-charged off 94Closed @ cr grantor’s request 95Closed-to be purged 96Closed-do not purge 97Closed-never purge 98Close and purge account 99Closed-to be purged The Foreign TIN status is determined by the withholding exemption code on the first account linked to the same Tax ID. Tax ID is 000-00-0000 and first account linked to the name record is withholding, the name is listed on RPT585 as an exception for informational purposes. Tax ID is 000-00-0000 and the first account linked to the name record is not withholding, the Name is not an exception and not listed on RPT585.

10. Viewing CIP Information on the Name Record Inquiry Screen – EN1502 The Customer ID program information has been added to the Inquiry tab of the Name Record. Users without permission to Add/Delete CIP information will be able to view data but the fields will be disabled. Function 223 - Names: Add/Delete CIP Information: Allows a user to enter, change, or clear data in the fields on the Identification screen on the Name Record.   At migration, users authorized for Security Function 033 - Customer menu: add customer will be given Function: 223 – Names: Add/Delete CIF InfoThe Customer ID program information has been added to the Inquiry tab of the Name Record. Users without permission to Add/Delete CIP information will be able to view data but the fields will be disabled. Function 223 - Names: Add/Delete CIP Information: Allows a user to enter, change, or clear data in the fields on the Identification screen on the Name Record.   At migration, users authorized for Security Function 033 - Customer menu: add customer will be given Function: 223 – Names: Add/Delete CIF Info

12. Clone a Product – EN 1393 Edit – Create a New product definition or modify and existing. Copy – Copy the settings from the selected product to a new product definition. Will allow the copying of a disabled product. Does NOT copy the GL functions – the GL functions will have to mapped for the New “Copied” product. Select All – include all of the products for the selected application Print Report – provides a print preview of the product definitions for the selected product(s).Edit – Create a New product definition or modify and existing. Copy – Copy the settings from the selected product to a new product definition. Will allow the copying of a disabled product. Does NOT copy the GL functions – the GL functions will have to mapped for the New “Copied” product. Select All – include all of the products for the selected application Print Report – provides a print preview of the product definitions for the selected product(s).

13. Copied Product Must go into Interest/Charges and define the back end of the product.Must go into Interest/Charges and define the back end of the product.

14. View New Product

15. Tracking Mass Maintenance

16. Reversing a Completed Maintenance Job A mass maintenance job can be reversed AFTER the job runs, and if the file from the job still displays in the grid. If maintenance has been completed on a job since the scheduled job completed, BancPac WILL NOT reverse the changes to those accounts (going in a manually changing an officer). If any values have been changed since the mass maintenance job was performed, BancPac applies the changed value instead of the original value (Mickey Mouse had been changed to Minnie Mouse). If the value no longer exists the description will read Undefined.A mass maintenance job can be reversed AFTER the job runs, and if the file from the job still displays in the grid. If maintenance has been completed on a job since the scheduled job completed, BancPac WILL NOT reverse the changes to those accounts (going in a manually changing an officer). If any values have been changed since the mass maintenance job was performed, BancPac applies the changed value instead of the original value (Mickey Mouse had been changed to Minnie Mouse). If the value no longer exists the description will read Undefined.

17. BancSEC New Security Functions have been added in BancSEC for application BancBPR. No one will be given new security functions at migration.New Security Functions have been added in BancSEC for application BancBPR. No one will be given new security functions at migration.

18. Product Parameters Report – EN1367 Select a single product to print. Select multiple products: consecutively – use shift key random – use ctrl key This is a print of all parameters of the product.Select a single product to print. Select multiple products: consecutively – use shift key random – use ctrl key This is a print of all parameters of the product.

19. Print/Page Setup Screen – EN1316

20. Page Setup & Print Setup Dialog

21. BancMNT File Menu:  A Print Setup menu option has been added to the File menu.   The printer settings made through the File menu will be the initial printer settings for the Print Selection screen, the Transaction Codes screen, and the Notice Control screen. Control File Report Print Selection:  Printer settings established on this screen override the settings made through the File menu. Transaction Codes:   Printer settings established on this screen override the settings made through the File menu. Notice Control:  Printer settings established on this screen override the settings made through the File menu. File Menu:  A Print Setup menu option has been added to the File menu.   The printer settings made through the File menu will be the initial printer settings for the Print Selection screen, the Transaction Codes screen, and the Notice Control screen. Control File Report Print Selection:  Printer settings established on this screen override the settings made through the File menu. Transaction Codes:   Printer settings established on this screen override the settings made through the File menu. Notice Control:  Printer settings established on this screen override the settings made through the File menu.

22. BancWIN

24. ACH Origination Warehousing – EN1426

26. DDA New and Closed Accounts Reports – EN1576 CLOSED ACCOUNTS BancPac evaluates an account for closing, if the account meets all of the parameters the status is changed to closed: Account Current Balance = 0 Status code < 95 Status code NOT 46, 47,49, 62, 92 Date last Active = 0 Number of Days to remain open must not be 999 The Number of Days to Remain Open before closing >= the days from the Date of Last Activity Not a Club Account unless a Club Account BCF option allows closing on a zero balance. In this case, the account close date is set to todays date – the Status code is set to 98. PENDING CLOSE Account set to close because the online close account function used. Transaction 1010 is posted against the account CLOSED ACCOUNTS BancPac evaluates an account for closing, if the account meets all of the parameters the status is changed to closed: Account Current Balance = 0 Status code < 95 Status code NOT 46, 47,49, 62, 92 Date last Active = 0 Number of Days to remain open must not be 999 The Number of Days to Remain Open before closing >= the days from the Date of Last Activity Not a Club Account unless a Club Account BCF option allows closing on a zero balance. In this case, the account close date is set to todays date – the Status code is set to 98. PENDING CLOSE Account set to close because the online close account function used. Transaction 1010 is posted against the account

28. Banks will receive all data for the month in their first month-end report after migration, regardless of their migration date during the month. For accounts closed prior to migrating, the report's “Closing Balance” amount will have the value of the “Last Debit Amount”. The average balances will reflect the correct amounts on this report.   For the accounts opened prior to migrating, the report's “Opening Balance” amount will reflect the current balance as of the day the bank migrated (“average balance” will be correct).Banks will receive all data for the month in their first month-end report after migration, regardless of their migration date during the month. For accounts closed prior to migrating, the report's “Closing Balance” amount will have the value of the “Last Debit Amount”. The average balances will reflect the correct amounts on this report.   For the accounts opened prior to migrating, the report's “Opening Balance” amount will reflect the current balance as of the day the bank migrated (“average balance” will be correct).

29. BancMNT Sort Options Banks can use the New Account and Closed and Pending Closed Account report sort options to establish sort options for  RPT 526 – New Accounts Report, RPT 550 – Closed Accounts Report, and RPT 551 - Pending Closed Accounts Report.    If no selection is made, the reports will print in account number sequence.   Sort options can be changed daily.   At month end, the sort options currently in effect for the given report type (new accounts, pending closed, or closed accounts) will be applied to both the daily and new month end version of that report Banks can use the New Account and Closed and Pending Closed Account report sort options to establish sort options for  RPT 526 – New Accounts Report, RPT 550 – Closed Accounts Report, and RPT 551 - Pending Closed Accounts Report.    If no selection is made, the reports will print in account number sequence.   Sort options can be changed daily.   At month end, the sort options currently in effect for the given report type (new accounts, pending closed, or closed accounts) will be applied to both the daily and new month end version of that report

30. Re-calculate Minimum and Average Balances – EN1544 In the BancPac environment when backdating a TC CR it only considers the ledger balance and current rate and it does not consider rate changes. With this enhancement when backdating or reversing a TC it will re-calculate accruals for the period: avg ledger and avg collected. It will consider all rate changes. For NON-interest bearing accounts – it will recalc minimum average For interest bearing accounts – it will recalc accrual and recreate rate change notices when applicableIn the BancPac environment when backdating a TC CR it only considers the ledger balance and current rate and it does not consider rate changes. With this enhancement when backdating or reversing a TC it will re-calculate accruals for the period: avg ledger and avg collected. It will consider all rate changes. For NON-interest bearing accounts – it will recalc minimum average For interest bearing accounts – it will recalc accrual and recreate rate change notices when applicable

32. Changes to Float When interest is adjusted in BancRate, the current rate changes on the account will be deleted and replaced by the new rate changes.   The changes will reflect the accruals at the rate based on the change in balance due to back-dated or reversed transactions.  When interest is adjusted in BancRate, the current rate changes on the account will be deleted and replaced by the new rate changes.   The changes will reflect the accruals at the rate based on the change in balance due to back-dated or reversed transactions.  

34. Recalculation of Interest Accruals:  Example

35. Recalculation of Balances:  Example

36. Additional Verbiage on Chargeback Notices – EN1505 This permits the bank to truncate the original checks, to process check information electronically and deliver substitute checks to banks that want to continue receiving paper checks.This permits the bank to truncate the original checks, to process check information electronically and deliver substitute checks to banks that want to continue receiving paper checks.

37. BancMNT – Demand Deposit Control File Activating the verbiage will print on all Chargeback notices. Updating BancMNT Demand Deposits selecting the “Include Check-21 verbiage on Chargeback notice” checkbox change occurs immediately. Any Chargeback Notices that may have been printed online prior to the change may be reprinted immediately with the desired results. Activating the verbiage will print on all Chargeback notices. Updating BancMNT Demand Deposits selecting the “Include Check-21 verbiage on Chargeback notice” checkbox change occurs immediately. Any Chargeback Notices that may have been printed online prior to the change may be reprinted immediately with the desired results.

38. Force Pay EFT Credit Transaction Code – EN1457 The trancode will force pay over “Locked-deceased” status Example: allowing Social Security payments to be deposited to an account.The trancode will force pay over “Locked-deceased” status Example: allowing Social Security payments to be deposited to an account.

39. Transaction Display

40. P or D? Each description line is prefaced with the line number and the display only flag on the Maintenance tab (D=display only, P=print and display). Neither the line number nor the display flag will print on statements. Each description line is prefaced with the line number and the display only flag on the Maintenance tab (D=display only, P=print and display). Neither the line number nor the display flag will print on statements.

41. International Wire Transfer Fees – Debit The BancMNT parameters for TC 142: Update last active date International wire transfer out Account reconciliation Force Post item Reg-D transfer MM fee transferThe BancMNT parameters for TC 142: Update last active date International wire transfer out Account reconciliation Force Post item Reg-D transfer MM fee transfer

42. International Wire Transfer Fees - Credit TC104 Update last active date International wire transfer inTC104 Update last active date International wire transfer in

43. The International Wire Transfer Fees display on the Service Category section of the account and in the Summary of Service Charge section of the statement.The International Wire Transfer Fees display on the Service Category section of the account and in the Summary of Service Charge section of the statement.

44. Accumulate float information Currently only TC 9, 11, 18 & 40 create float information. This check box will allow banks using branch/merchant capture to select other deposit trancodes for float accumulation.Currently only TC 9, 11, 18 & 40 create float information. This check box will allow banks using branch/merchant capture to select other deposit trancodes for float accumulation.

45. Analysis Reporting – EN1296 If tiered analysis accounts have different officers, the officer assigned to the Master account will be the one reported under for the RPT574 – Account Analysis Profit/Loss by Officer If accounts are set to regenerate the statement – the applicable reports will be regeneratedIf tiered analysis accounts have different officers, the officer assigned to the Master account will be the one reported under for the RPT574 – Account Analysis Profit/Loss by Officer If accounts are set to regenerate the statement – the applicable reports will be regenerated

46. Analysis Reporting – EN1505B To permit analysis charges to be backdated to the prior month-end, de-select the “Do not allow backdating of analysis charges” option by removing the check mark. Will be unchecked at migrationTo permit analysis charges to be backdated to the prior month-end, de-select the “Do not allow backdating of analysis charges” option by removing the check mark. Will be unchecked at migration

47. Analysis Charges Post to GL on Date Entered Analysis charges are posted to the general ledger on the day the charges are assessed.Analysis charges are posted to the general ledger on the day the charges are assessed.

48. Analysis Charges Post to GL as of Prior Month

50. Insufficient Account Detail Display – EN1582 The following fields have been added to the Account Information section on BancNSF screens: Date of last credit:  Date of the last credit posted to the account  If the date is not available, Unknown displays. Amount of last credit:  Amount of last posted credit Overdraft limit:  Total amount of authorized overdrafts allowed on this account Deposit needed:  The calculation supporting this field differs, depending on whether or not the bank is a "Pay all" institution: Pay all bank:  Deposit Needed = Current balance + Deposit Today + Returned Items. Non-pay all bank:  Deposit Needed = Paid items + Undecided items – Current balance – Deposit today. Fields still available include: Current balance:  Day's beginning balance plus returned items, paid items, refunded items and NSF charges Hold amount:  Total amount of any amounts currently on hold, to include memo amounts Available funds:  Amount of funds (including ODP accounts) available to pay debits Net memo amount:  Net amount of any debits and credits memo posted to the account Deposits today:  Amount of funds deposited to the account today Deposits next day:  Amount of funds deposited after today's cut off that will be posted to the account the next business day. ( Was titled Deposits after 3pm) The data displayed in all of the fields, except Deposits needed, is from the BancWin account inquiry. The Deposits needed field is a calculated within BancNSF, using the formula(s) described above. Banks using NetImage will view and print images using current NetImage interfaces.   The following fields have been added to the Account Information section on BancNSF screens: Date of last credit:  Date of the last credit posted to the account  If the date is not available, Unknown displays. Amount of last credit:  Amount of last posted credit Overdraft limit:  Total amount of authorized overdrafts allowed on this account Deposit needed:  The calculation supporting this field differs, depending on whether or not the bank is a "Pay all" institution: Pay all bank:  Deposit Needed = Current balance + Deposit Today + Returned Items. Non-pay all bank:  Deposit Needed = Paid items + Undecided items – Current balance – Deposit today. Fields still available include: Current balance:  Day's beginning balance plus returned items, paid items, refunded items and NSF charges Hold amount:  Total amount of any amounts currently on hold, to include memo amounts Available funds:  Amount of funds (including ODP accounts) available to pay debits Net memo amount:  Net amount of any debits and credits memo posted to the account Deposits today:  Amount of funds deposited to the account today Deposits next day:  Amount of funds deposited after today's cut off that will be posted to the account the next business day. ( Was titled Deposits after 3pm) The data displayed in all of the fields, except Deposits needed, is from the BancWin account inquiry. The Deposits needed field is a calculated within BancNSF, using the formula(s) described above. Banks using NetImage will view and print images using current NetImage interfaces.  

52. Separate Function for External Transfers – EN1481 A separate security function has been defined so that your bank can restrict users from adding, viewing, changing, or deleting an external (ACH) transfer: FUNCTION: 222 – Transfers: External ACH Transfer The function works in conjunction with the existing transfers security functions 012 - Transfers: Change 096 - Transfers: Add transfer 097 - Transfers: Delete transfer 129 - Transfers: Inquiry. A separate security function has been defined so that your bank can restrict users from adding, viewing, changing, or deleting an external (ACH) transfer: FUNCTION: 222 – Transfers: External ACH Transfer The function works in conjunction with the existing transfers security functions 012 - Transfers: Change 096 - Transfers: Add transfer 097 - Transfers: Delete transfer 129 - Transfers: Inquiry.

54. Unique Name Record Number Can be utilized as a unique identifier for research purposes. Is utilized by the interface for Internet Banking Can be utilized as a unique identifier for research purposes. Is utilized by the interface for Internet Banking

57. Print Corrected Tax Forms Directly from BancIRS – EN1394 By clicking on the Print Form button on the Account Information screen, users can generate an  IRS form in the same format generated by BancPac’s IRS batch reporting programs.  BancPac displays the form on the new Print Preview screen for review and printing. If the record has changed since the date the original form was printed – the “Corrected” form will be printed.By clicking on the Print Form button on the Account Information screen, users can generate an  IRS form in the same format generated by BancPac’s IRS batch reporting programs.  BancPac displays the form on the new Print Preview screen for review and printing. If the record has changed since the date the original form was printed – the “Corrected” form will be printed.

58. Changing the Form and Data

59. Records Marked for Deletion

60. IRS Form Changes

62. Accessing BancIGL The main application of BancPac (BancWin) and BancIGL can be ran simultaneously.The main application of BancPac (BancWin) and BancIGL can be ran simultaneously.

63. BancIGL Menu Options

64. What is a Daily Adjustment? If you need to enter or adjust a transaction for a date other than the previous processing day, you must enter the transaction using the Transaction Input, BancTXS. If you need to enter or adjust a transaction for a date other than the previous processing day, you must enter the transaction using the Transaction Input, BancTXS.

65. Daily Adjustment

66. What is a Pre-Paid Transfer?

67. What is a Distribution?

68. Tools Menu Option

69. The GL Account Number It is recommended that banks continue to use the 2 digit branch code.It is recommended that banks continue to use the 2 digit branch code.

70. Account Number Display

71. Banks Currently Using Profit Center Account numbers are right justified, beginning with the 16th position. The last number in the account must be in the 16th position, regardless of account number length. Account numbers are right justified, beginning with the 16th position. The last number in the account must be in the 16th position, regardless of account number length.

72. Banks Not Currently Using Profit Center Account number 91682102, Profit centers not used. 9 1 6 8 2 1 + 0 2 If you are not currently using Profit Centers and would like to start – contact your SAM for information about migrating to using profit center.If you are not currently using Profit Centers and would like to start – contact your SAM for information about migrating to using profit center.

73. Locating Accounts The General Ledger Name Record displays (Red Arrow) All associated accounts will display on the right hand side of the screen. Expand the GL Name record to display the Profit Center (Blue Arrow) For banks not using profit center – 000 Profit Center will display (as you see in example) All associated accounts will display on the right hand side of the screen Account tree (right side) displays accounts by branch (Green Arrow) The General Ledger Name Record displays (Red Arrow) All associated accounts will display on the right hand side of the screen. Expand the GL Name record to display the Profit Center (Blue Arrow) For banks not using profit center – 000 Profit Center will display (as you see in example) All associated accounts will display on the right hand side of the screen Account tree (right side) displays accounts by branch (Green Arrow)

74. Accessing Account Information Right click on GL Name Record to access the Account Inquiry or Group account history. Right click on GL Name Record to access the Account Inquiry or Group account history.

75. Account History Inquiry Select Account History Inquiry to make a group inquiry on all accounts using that base number. Select Account History Inquiry to make a group inquiry on all accounts using that base number.

76. Adding New Accounts or Creating a Product

77. Reports The Reports Control screen displays the creation and printing details the bank’s downloaded general ledger reports.   schedule general ledger report creation by report number for a specific period, or on a per cycle schedule. The Reports Control screen displays the creation and printing details the bank’s downloaded general ledger reports.   schedule general ledger report creation by report number for a specific period, or on a per cycle schedule.

78. BancIGL Reports Listing The list displays the standard BancPac Reports. Users can generate reports, change the print frequency and archive a printed report. Highlighting the report number and selecting “Select to Generate Report” produces the report online for the user to view, print and archive. These reports are as of last nights posting. The list displays the standard BancPac Reports. Users can generate reports, change the print frequency and archive a printed report. Highlighting the report number and selecting “Select to Generate Report” produces the report online for the user to view, print and archive. These reports are as of last nights posting.

79. Visit the BancPac Virtual Learning Center

80. Visit the BancPac Virtual Learning Center

81. Thank you for attending the 7.1 Release Enhancement Seminar - Deposits.