account management userguide - keybank · in the account management module, select the image type....

AccountManagementUserGuide

A reference document of usefulinformation and step-by-stepinstructions.

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Copyright © 2013 by KeyBank, N.A.

All rights reserved. Reproduction of any part of this work beyond that permitted by Section 107 or108 of the 1976 United States Copyright Act without the permission of the copyright owner(KeyBank) is unlawful.

This publication is designed to provide accurate information about the subject matter covered.Please be aware that changes to the information may occur after the publication date.

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Table of ContentsSection 1: Research Services .............................................................................3

Image Research Center............................................................................................. 3

1.1: Using the Image Research Center ............................................................................4

1.1.1: Using the IRC to Research and Review Checks and eChecks .....................7

1.1.2: Viewing the Results List and Managing Results ...........................................11

1.1.3: Using the Image Viewer ..................................................................................15

1.1.4: Using the IRC for Deposit Item Images and Deposit Tickets.......................16

1.1.5: Deposit Tickets .................................................................................................25

1.1.6: Managing the Results List ..............................................................................39

1.1.7: Saved Searches ...............................................................................................51

Section 2: Transaction Services ...................................................................... 542.1: Stop Payments ..........................................................................................................54

2.1.1: Create a Stop Payment ...................................................................................54

2.2: Stop Payment Listing ................................................................................................57

2.2.1: View a Report of Stop Payments in Effect.....................................................57

2.3: Book Transfer Entry ..................................................................................................58

2.3.1: Manage Funds via Book Transfer ..................................................................59

2.4: Book Transfer Listing ................................................................................................61

2.4.1: View a List of Completed Book Transfers......................................................61

2.5: Photocopy Request...................................................................................................62

2.5.1: Request a Photocopy from the Account Management Main Page ............62

Section 3: Fraud Services ................................................................................ 653.1: Best Practices............................................................................................................65

3.2: Same Day Positive Pay ............................................................................................663.2.1: Make Pay or Stop Decisions for Same Day Positive Pay Exception Items...........66

3.3: Next Day Positive Pay ..............................................................................................693.3.1: Make Pay or Return Decisions for Next Day Positive Pay Posted Items..............69

3.4: Secondary Authorization for Positive Pay...............................................................73Performing Secondary Positive Pay Authorizations .......................................................73

3.5: Positive Pay History ..................................................................................................76

3.6: Payment Protection Report ......................................................................................78

3.7: Payment Protection History Report .........................................................................82

Section 4: Reconcilement Services................................................................. 844.1: Account Reconcilement Reports .............................................................................84

Access Account Reconcilement Reports (ARP).............................................................844.2: Check Issue Maintenance ........................................................................................86

4.2.1: Inquire a Check Issue Record.........................................................................86

4.2.2: Add a Check Issue Record .............................................................................88

4.2.3: Cancel a Check Issue Record ........................................................................92

4.3: Check Issue History ..................................................................................................94

4.3.1 Access Check Issue History Listing ................................................................94

Section 5: Glossary........................................................................................... 97

This document is designed to provide general information only and is not legal advice. If

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legal advice or other expert assistance is required, the services of a competentprofessional should be sought. KeyBank (Key) does not make any warranties regardingthe results obtained from the use of this information.

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Section 1: Research Services

Image Research Center

The Image Research Center (IRC) provides Key Total Treasury users with a centralized,searchable image repository that includes:

Paid Checks & eChecks images Deposit Tickets & Deposit Items from Key Capture, Key Capture Plus, Vault, ATM &

Branches Return Items & Return Advices (available for an additional fee)

Image Access

Users will only have access to images if they have the proper Key Total Treasuryentitlements.

Paid check image access and deposit image access are entitled separately.o A user may have access to paid images, but not have access to deposit images based

on entitlements. Long Term and Short Term Image access is defined at the account level.

o If a user wants Long Term access to images for an account, the account will need to beset up for Long Term access and the user will need to be entitled to have access to thataccount’s images.

Data Availability

Paid Checks, Deposit Items & Deposit Tickets

Data Available Image Available

From To From To

Paid Checks &eChecks

7 years prior Previous Day 90 days prior Previous Day

With Long TermAccess

7 years prior

Deposits 90 days Previous Day 90 days prior Previous Day

With Long TermAccess

7 years prior* 7 years prior*

* Key Capture/Key Capture Plus - 7 years prior/Vault, Branch, and ATM – July 2013

Return Items

Data Available Image Available

From To From To

Return Items 12 Months Prior Current Day * 12 Months Prior Current Day *

Return Advices July 2013 Current Day * July 2013 Current Day *

* Return Check Item & Check Advices are available after approximately 3:00 p.m. ET on Business Days

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1.1: Using the Image Research Center

Getting Started

1. To access the Image Research Center click on the Account Management Module from theKey Total Treasury Homepage.

2. The IRC is located on the left hand side of the Account Management Module main page

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3. The IRC has three tabs:

a. Search Criteria – define what images or data to search based on the following variables:

i. Image Type (Avl Image). Types include- All Checks, eChecks, Deposit, ReturnItems, and Return Advices

ii. Depending on the image type selected initially, different options will appear in thesecond criteria box:

1. Selecting All Checks will result in this field being labeled Check Type2. Selecting eChecks will result in this field being labled eCheck Type3. Selecting Depost will result in this field being labeled Deposit Type

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4. Selecting Return Item will result in this field being labeled Return Type5. Selecting Return Advices will result in this field disappearing

iii. Accountiv. Datev. Amountvi. Check Numbervii. Additional fields to further refine search criteria are also determined by image type

and/or image sub-type:

1. Selecting “Deposit” in the Image Type Drop Down Box and Deposit Ticket in theDeposit Type field will result in the Serial # /Location field appearing.

2. Selecting “Deposit” in the Image Type Drop Down Box and “Deposit Item” inthe Deposit Type field will result in the Serial #/ Location, Routing #, and DebitAccount # fields appearing.

3. Selecting “Return Item” in the Image Type drop down box will result in changesto the date criteria and the appearance of a Maker Name field.

b. Results List – Results appear in this separate tab once search criteria are specified.Results can be viewed, sorted and exported in various formats from this tab.

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c. Image Viewer – This tab provides images selected for review on the Results Tab.Images can also be selected for printing or exporting from this tab.

1.1.1: Using the IRC to Research & Review Checks & eChecks

Defining the Search Criteria

1. In the Account Management Module, select the image type. There are two paid imageoptions to choose from:

a. All Checks – Search for eChecks & Paid Check Images at one time

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b. eChecks – Search for checks that have been converted to ACH transactions

2. After selecting either “All Checks,” or “eChecks,” choose from one of three Check Typeoptions:

a. Paid – Items presented for payment with funds disbursed as a result of the presentment.

b. Not Paid – Items presented for payment that did not result in funds disbursement forvarious reasons such as the account did not have sufficient funds to cover the item(NSF)or because the item had a stop payment or hold placed on it

c. Paid Reimbursement – Only visible with certain account types.

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3. Next, select up to three accounts to search.

NOTE: Image Type, Item Type, and Account are required fields for all paid image searches

4. To further refine search, provide date, amount, or check number information in the additionalsearch fields.

5. To provide date information, click on the Date Box which has several drop down options:

a. Choose from Preset Date Ranges – Previous Day, Previous 5 Days, Previous 15 Days,etc., or set dates by selecting “Custom Date” from the drop down box.

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b. Selecting the Custom Date option, will result in the “Date From” field appearing. The“Date From” drop down box has four options:

1. Equal To – use to specify an exact date2. Greater Than – use to specify a start date3. Less Than – use to specify an end date4. Between – use to specify a date range

NOTE: Once the custom date type is specified, enter the appropriate date or daterange by keying in the dates or selecting from the pop-up calendar

6. To include amount information, the Amount drop down box provide four options:

a. Equal To – use to set a specific amountb. Greater Than – use to set a minimum datec. Less Than – use to set a maximum dated. Between – use to set a date range to search between

7. To include check number information, the “Check Num” drop down field provides fouroptions:

a. Equal To – set a specific check numberb. Greater Than – set a minimum check numberc. Less Than – set a maximum check numberd. Between – a check number range to search between

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8. After defining the search criteria, click on the Search button to see the results

1.1.2: Viewing the Results List & Managing Results

Search results will appear in a grid on the Results List Tab, and search criteria will appear in ablue bar at the top of the Results List.

The following information will be provided for each image:

a. Check # – Check Number (if avl)b. Type – Paid or eCheckc. Amount – Check Amount ($)d. Date – Date check was deposited

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e. Account – Account Number check is drawn on

Please note: These fields are sortable in ascending and descending orders.

The Results List Matrix will provide up to a 1,000 results with 100 items being availablefor each page.

At the bottom of the Results List page, there is a counter indicating what results areshowing versus the total available result set. There is also a “jump to page” option thathelps move between result pages of large result set eChecks

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Because eChecks have been converted to ACH transactions, the actual image will notbe available. An “e” icon ( )will be located in place of the camera icon in the Viewcolumn. While no images are available for these items, data is available and can beexported along with other items.

A “PC” icon ( ) in place of the camera icon in the view column indicates that the imageis unavailable for viewing but that a photocopy of the image is available upon request.

If the view column is empty:o The User does not have Photocopy accesso The image is long term and the account is not set-up for long term access

When looking at results for checks in the Not Paid Category, you can determine thereason the item was not paid by scrolling to the right within the results tab to the lastcolumn titled “Reason.”

If a search generates more than 1,000 results, the results page will show the message“Too much data retrieved for your search criteria.” When this occurs, refine searchcriteria to generate fewer results.

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To return to the Search Criteria tab, simply click on the Search Criteria tab or click on theSearch Criteria button located at the bottom of the Results Viewer page.

1. To view a single item image:

a. Click on the Camera Icon in view column or click on the select box for the appropriateimage and “view selected.”

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2. To work with larger amounts of data, there are four options at the top of the Results ListMatrix:

a. Export All – export all available data associated with the search results.

i. To export all items in the result set, click on the “Export All” option.ii. A pop-up screen will appear with two export format options:

1. CSV Data Only – Export the data associated with the image in a CSV file format.Fields exported will include check #, check type, Amount, Date, & Account.

2. PDF with Images – Export all available images in a PDF format; all accounts withimages access permissions will be included.

iii. After selecting the desired export format, click “ok.”

b. Export Selected – export only items selected

i. To export a subset of the results, select the items by clicking on the check box.ii. Click on “Export Selected.”iii. A pop-up screen will appear with three export options:

1. CSV Data Only – Export the date associated with the image in a CSV file format.Fields exported will include check #, check type, Amount, Date, & Account

2. PDF with Images – Export all available images in a PDF format; only accountswith images access permissions will be included in the PDF

3. Zip with Images – Export all images selected in a Zip Files; only accounts withimage access will be included in the Zip file

iv. After selecting the export format, click “ok.”

c. View Selected – View a subset of the search results in the Image Viewer tab.

d. Clear Selected – Removes all selection criteria to select a sub-set of the results toreview or export.

NOTE: At least one item must be selected to export. If no items are selected, a pop-upwindow will appear noting to select at least one item.

1.1.3: Using the Image Viewer

After selecting “View Selected” or “View All,” on the Results List tab, images will be availablefor review in the Images Viewer Tab.

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1. The front image of the first check will be visible – to view the back image of the check, clickon “Back,” located at the top right corner of the Image Viewer.

2. To print the image, click on “Print,” located on the upper right corner. This will generate aprint preview and allow the user to print the image.

3. If multiple items are selected, the user can use the navigational tools to move between itemslocated in the center of the Image Viewer.

The Image Viewer icons are circled in the screen shot below:

1.1.4: Using the IRC for Deposit Item Images & Deposit Tickets

Deposit Items

Defining Search Criteria1. To search for Deposit Items in the Account Management Module, select “Deposit” for the

image type in the Search Criteria tab.

2. The Deposit Type drop down box will appear; select the deposit type. There are two DepositType options to choose from:

a. Item – Provides access to deposited check images.

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b. Tickets – Provides access to the deposit ticket and the deposit items associated witheach ticket.

3. After selecting Deposit Item, choose up to three accounts to search for the images in.

NOTE: Key Total Treasury users will only be able to see accounts for which they have beenassigned access. If an account is not viewable, please contact your Key Total Treasuryadministrator or Key Treasury Service Representative to sign up for access.

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4. Next click on the Date Box, which has several drop down options:


b. Selecting the Custom Date option will result in the “Date From” field appearing. The“Date From” drop down box has four options:

1. Equal To – use to specify an exact date.2. Greater Than – use to specify a start date.3. Less Than – use to specify an end date for the search.4. Between – use to specify a date range.

NOTE: Dates can be entered manually or with a pop-up calendar.

NOTE: Image Type, Deposit Type, Account, and Date are all required field forDeposit Item searches.

5. To further refine search criteria, provide amount, Serial #/Location, Routing # or DebitAccount # information in additional search fields.

6. The Amount Drop down box provides four options:

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a. Equal To – set a specific amount.b. Greater Than – set a minimum value.c. Less Than – set a maximum value.d. Between – set an amount range.

7. The Serial #/Location, Routing #, and Debit Account # fields are all free form:

a. Serial #/Location – Use to specify the deposited item’s check number, if known.b. Routing # – Use to specify the routing number associated with deposited item.c. Debit Account # – Use to specify the account from which deposited item was drawn.

8. After defining the search criteria, click on the Search button to see the results

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Viewing Deposit Image Items in the Results List Tab Search criteria will appear in a blue bar at the top of the Results List Matrix

Search results will appear in a grid on the Results List Tab. The following information will beprovided for each image:

a. Seq # – Number assigned during item processing at Keyb. Amount – Check Amount ($)c. Date – Date of Depositd. Debit Account – Account from which deposited item was drawne. Routing # – Routing number associated with deposited itemf. Serial #/Location – Check Number (if available)g. Deposit Account – Account into which item was deposited

NOTE: These fields are sortable in ascending and descending orders

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Refining Criteria If a search generates more than 1,000 results, the results page will show the message:

“Too much date retrieved for your search criteria.” When this occurs, refine searchcriteria to generate fewer results.

To return to the Search Criteria tab, simply click on the tab or click on the Search Criteriabutton located at the bottom of the Results page.

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At the bottom of the Results page, there is a counter indicating what results are showingversus the total available result set. There are “jump to page” links to help navigatebetween result pages of a large result set.

1. To view a single item image

a. Click on the Camera Icon in View column or click on the “select” box for the appropriateimage and “view selected.”

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1. CSV Data Only – Export the date associated with the image in a CSV file format.Fields exported will include check #, check type, Amount, Date, & Account

2. PDF with Images – Export all available images in a PDF format; only accountswith images access permissions will be included in the PDF

3. Zip with Images – Export all images selected in a Zip Files; only accounts withimage access will be included in the Zip file





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Viewing Deposit Items1. After selecting “View Selected” or “View All,” on the Results List tab, images will be

available for review in the Images Viewer Tab.




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Unavailable Images A “PC” icon ( ) in place of the camera icon in the view column indicates that the image is

unavailable for viewing but that a photocopy of the image is available upon request.

If the view column is empty:o The User does not have Photocopy access.o The image is long term and the account is not set-up for long term access.

1.1.5: Deposit Tickets

Defining Search Criteria

1. To search for Deposit Items in the Account Management Module, select “Deposit” for theimage type in the Search Criteria tab.

2. The Deposit Type drop down box will appear; select the deposit type. There are two DepositType options to choose from:

a. Item – Provides access to deposited check images.

b. Tickets – Provides access to the deposit ticket and the deposit items associated witheach ticket.

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3. After selecting Deposit Ticket, choose up to three accounts to search for the images in.

NOTE: Key Total Treasury users will only be able to see accounts for which they have beenassigned access. If an account is not viewable, please contact your Key Total Treasuryadministrator or Key Treasury Service sales officer to sign up for access.

4. Next click on the Date Box, which has several drop down options:


i. Selecting the Custom Date option will result in the “Date From” field appearing. The“Date From” drop down box has four options:1. Equal To – use to specify an exact date.2. Greater Than – use to specify a start date.3. Less Than – use to specify an end date for the search.4. Between – use to specify a date range.

NOTE: Dates can be entered manually or with a pop-up calendar.

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NOTE: Image Type, Deposit Type, Account, and Date are all required field forDeposit Item searches.

b. To further refine search criteria, provide amount, Serial #/Location, Routing # or DebitAccount # information in additional search fields.

c. The Amount Drop down box provides four options:

i. Equal To – set a specific amount.ii. Greater Than – set a minimum value.iii. Less Than – set a maximum value.iv. Between – set an amount range.

d. The Serial #/Location, Routing #, and Debit Account # fields are all free form:

i. Serial #/Location – Use to specify the deposited item’s check number, if known.ii. Routing # – Use to specify the routing number associated with deposited item.iii. Debit Account # – Use to specify the account from which deposited item was drawn.

e. After defining the search criteria, click on the Search button to see the results.

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Managing the Results List Search criteria will appear in a blue bar at the top of the Results List Matrix, and Search

results will appear in a grid on the Results List Tab.

The following information will be provided for each ticket:

a. ID – Row # reflecting where record appears in results setb. Serial/Location # – Deposit ticket number or deposit locationc. Amount – Total deposit amount in dollarsd. Date – Date of Deposite. Deposit Account – Account into which items were depositedf. Seq #/Row # – reflecting where record appears in results setg. Total Items – Total number of items deposited

i. The Total Items field is a hyper linkii. Clicking on the total items number will result in generating an additional deposit item

grid results grid below the deposit tickets gridiii. All items associated with the selected ticket will appear in this results gridiv. The deposit items grid that appears can be searched, viewed, and exported similar

to when searching for deposit item images (see previous section for details)

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These fields are sortable in ascending and descending orders

Refining Criteria If a search generates more than 1,000 results, the results page will show the message:

“Too much date retrieved for your search criteria.” When this occurs, refine searchcriteria to generate fewer results.

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To return to the Search Criteria tab, simply click on the “Search Criteria” tab or click on theSearch Criteria button located at the bottom of the Results page.


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1. To view a single item image:

a. Click on the Camera Icon in the View column, or click on the Select box for theappropriate image and “View Selected.”









1. CSV Data Only – Export the date associated with the image in a CSV file format.Fields exported will include check #, check type, Amount, Date, & Account.

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2. PDF with Images – Export all available images in a PDF format; only accountswith images access permissions will be included in the PDF.

3. Zip with Images – Export all images selected in a Zip Files; only accounts withimage access will be included in the Zip file.




NOTE: At least one item must be selected to export. If no items are selected, a pop-upwindow will appear noting the need to select at least one item.

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3. To view multiply items:

a. Clicking on the corresponding boxes in the select column

b. Click on “View Selected.” This will automatically open the Image View tab.

Viewing Deposit TicketsAfter selecting either “View Selected” or “View All” on the Results List tab, images will beavailable for review in the Images Viewer Tab.



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Viewing items associated with a deposit ticket1. To view items associated with a deposit ticket, click on the “Total Items” in the Results List

tab.

2. A deposit item results matrix will appear below the deposit tickets results matrix. Thisdeposit item results matrix can be searched, viewed, and exported in the same manner asDepositing Items.

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Using the IRC to For Return Items1. In the Account Management Module, select “Return Item” for the Image Type.

2. Next, in Return Type, select one of the following:

a. All Item Types – provides all return types including ARC, BOC, Charge Backs, PaperRedeposits, RCK 1, and RCK 2.

b. ARC – Electronic check conversion method in which paper checks received in the mailor through a lock-box location (such as in remittance collection), are converted intoelectronic ACH debit payments. ARC is the SEC Code for this transaction type.

c. BOC – Electronic check conversion method that allows checks to later be processed in acentralized location (such as a back office) where they may be converted into a batch.BOC is the SEC Code for this transaction type.

d. Charge Backs – A debit to a client account for the amount of the return, along with anassessed fee when all collection efforts for the returned item have not been successful.

e. Paper Redeposit – An alternative to RCK that results in return items being re-depositedas a paper (image) through the standard deposit process.

f. RCK 1 – One of two re-presentments of a check that has gone through the checkcollection system and has been returned for non-sufficient funds or uncollected funds.

g. RCK 2 – The second of two re-presentments of a check that has gone through the checkcollection system and has been returned for non-sufficient funds or uncollected funds.

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3. Next, select up to four accounts to review.

4. Next, select a date type:

a. Date Returned – Date item was submitted for return.

b. Original Deposit Date – Date check was originally deposited.

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5. Next, select the date associated with the previously selected date type.

a. Choose from Preset Date Ranges – Previous Day, Previous 5 Days, Previous 15 Days,Previous 30 Days, Previous 60 Days, Previous 90 Days, or set dates by selecting“Custom Date.”

b. Selecting the “Custom Date” option will result in the “Date From” field appearing. TheDate From drop down box has four options:

1. Equal To – use to specify an exact date2. Greater Than – use to specify a start date3. Less Than – use to specify an end date4. Between – use to specify a date range

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NOTE: Dates can be entered manually or with the pop-up calendar:

NOTE: Image Type, Return Type, Accounts, and Date information are all required forreturn searches

NOTE: To review current day return items, use the custom date option and selectcurrent date from calendar.

6. The following optional fields can be completed to further refine the search:

a. Amount – there are four amount options:

1. Equal To – Use to set a specific amount2. Greater Than – Use to set a minimum value3. Less Than – Use to set a maximum value4. Between – Use to set an amount range to search between

b. Maker Name – Check issuer’s name

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7. After completing criteria definition, select “Search Criteria.”

1.1.6: Managing the Results List

Search criteria will appear in a blue bar at the top of the Results List Matrix

Search results will appear in a grid on the Results List Tab. The following information will beprovided for each

a. ID – Results List Row Number

b. Type – Return Item Type – ARC, BOC, Charge Backs, Paper Redeposit, RCK 1, RCK 2

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c. Check # - Check # of Return Item

d. Amount – Dollar Amount of Return Item

e. Return Date – Date of Item’s return

f. Maker – Check issuer’s name

g. Return Reason – Standard reasons for return include – NSF (Non-Sufficient Funds),Uncollected, Account Closed, Stop Payment, Stale Date, Lost/Stolen Item, SignatureNot On File, Post-Dated, Refer to Maker

h. Account – Deposit Account

i. Original Dep - Original date of items deposit

j. Serial/Location

Refining Criteria

If a search generates more than 250 results, the results list tab will show the message: “Toomuch date retrieved for your search criteria.” When this occurs, refine search criteria togenerate fewer results.

To return to the search criteria tab, simply click on the tab or click on the Search Criteriabutton located at the bottom of the Results page.

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All columns are sortable in ascending and descending order.

1. To view a single item image, click on the Camera Icon in the View column, or click on theSelect box for the appropriate image and “View Selected.”

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i. To export a subset of the results, select the items by clicking on the check box.ii. Click on “Export Selected.”iii. A pop-up screen will appear with two export options:

1. CSV Data Only – Export the date associated with the image in a CSV file format.Fields exported will include check #, check type, Amount, Date, & Account.

2. PDF with Images – Export all available images in a PDF format; only accountswith images access permissions will be included in the PDF.





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Using the Image Viewer Tab

1. To view one return item:

a. In the Results List tab, click on the Camera Icon in View column, or select the item in theSelect column click on “View Selected.”

b. The front of the image will appear in the image viewer. To view the back of the item,select “back” in the upper right hand corner of the viewer. Check information, includingaccount number, check number, amount and date, will appear below the check.

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2. To view multiple return items:

a. In the Results List tab, click on the corresponding boxes in the Select column.

b. Clock on “View Selected” to automatically open the Image View Tab

3. To view Return Item details, click on the Return Type associated with the relevant items.This information is located in the Type column in the Results List Matrix.

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The return item details will appear.

Using the Image Research Center for Return Advices

1. In the Account Management Module, select “Return Advices” from the Image Type dropdown box.

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2. Next, select the account. Please note there is a one account limit with this search field.

3. Next, select date on the Date drop down box:

a. Choose from Preset Date Ranges – Previous Day, Previous 5 Days, Previous 15 Days,Previous 30 Days, Previous 60 Days, Previous 90 Days, or set dates by selectingCustom Date. Selecting the Custom Date will bring up the “Date From” field. The DateFrom drop down box has four options:

i. Equal To – use to specify an exact dateii. Greater Than – use to specify a start dateiii. Less Than – use to specify an end dateiv. Between – use to specify a date range

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NOTE: Dates can be entered manually or with the pop-up calendar.

NOTE: To review current day return items, use the custom date option and selectcurrent date from calendar.

4. After setting the criteria in all of the fields (all fields are required), select “Search.”

Managing Return Advices Results

1. The Results List Matrix will generate the following sortable columns:

a. Advice Date – Date advice was generated

b. Advice # – Sequence number assigned during advice processing

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NOTE: all fields are sortable in ascending and descending order.

2. To view individual advices, click on the relevant PDF for review.

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3. There are three options at the top of the grid:

a. Export All – export all available data associated with the search results

i. To export all items in the result set, click on the “Export All.”ii. A pop-up screen will appear with the option to export all as a PDF with images, click

“ok.”iii. A new pop-up box will appear with the option to open or save the exported PDFs,

select “Open” or “Save.”


i. To export a subset of the results, first click on the boxes in the Select column of therelevant images.

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ii. Click on “Export Selected.”

iii. A pop-up screen will appear providing the option to export as CSV data only, PDFwith images or Zip with images. Choose the preferred option and click “Ok.”

iv. A new pop-up box will appear with the option to “Open” or “Save” the export.

NOTE: At least one item must be selected to export. If no items are selected, a pop-up window will appear noting the need to select at least one item.

c. Clear Selected – Removes all selection criteria.

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Viewing Return Advices in the Image Viewer

1. Return Advices can only be viewed one at time2. To view a return advice, click on the PDF Icon in view column3. Once the PDF opens, the individual advice can be printed or saved

1.1.7: Saved Searches

For quick and convenient access to frequently used searches, use the Save SearchFunctionality.

Creating a Saved Search

1. To create a Save Search, enter criteria (e.g. – image type, check type, Accounts, etc…).

2. Once the Search Criteria is set, there are two ways to save the search:

a. On the Search Criteria tab:

i. Before selecting the “Search, “select “Save Search” located to the right of“Search.”

ii. A pop-up screen will appear prompting to name the search and save.

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b. On the Results List tab:

i. Click on “Save Search” at the bottom left hand corner next to “Search Criteria.”

ii. Once “Save Search” is selected, a pop-up screen will appear prompting to “NameSearch” and “Save.”

NOTE: There are no limits to the number of searches that can be saved.

Removing a Saved Search

1. To remove a saved search, click on “Edit” in the Saved Searches box located in the upperright corner of the Image Research Center in the Account Management module.

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Check boxes will appear next to all searches.

a. Click on the check box of the Saved Search to be removed

b. Click on “Delete Selected.” A pop-up will appear to confirm the delete.

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Section 2: Transaction ServicesTransaction services allow you to stop payment on a check or checks, transfer funds from oneaccount to another, and view related reports.

2.1: Stop Payments

Key Total Treasury is available for placing stop payments between 8:00 a.m. ET and 6:00 p.m.ET. Our stop payment deadline is 6:00 p.m. ET for same day action. Stop payments submittedthrough Key Total Treasury prior to 6:00 p.m. ET are updated in our Teller system in real-time.

When a stop payment entry is submitted via Key Total Treasury, the system automaticallychecks 45 days of history to see if the check has been paid.

Standard stops remain in effect for six months. They can be extended for additional periods ofsix months by placing a new request.

If clients utilize our Account Reconcilement and/or Positive Pay service, all stop paymentrequests are permanently retained within the system until the physical item is captured.

2.1.1: Create a Stop Payment

1. Click on the “Stop Payment Entry” from the Account Management main page.

a. Use the dropdown menu to select the account that the check was issued from.

2. Select a reason for the stop payment.

3. Select to receive a mailed stop payment confirmation advice (if desired) at either theaddress on file or an alternate address.

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4. Choose to stop either a single check or multiple checks. (When multiple checks areselected, the field will expand to accommodate a range of check numbers.

NOTE: Multiple checks must be consecutive. If there are gaps between check numbers,additional single stop payment entries must be created.

5. Enter the check number or range of check numbers.

If a Single Check Stop is selected

1. Enter the check amount.

2. Utilize the dropdown menu to select the issue date.

3. Enter the name of the payee (the person/entity that the check was issued to).

4. Select “cancel” to return to the Account Management main page or select “next” toproceed with processing the stop payment.

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5. After reviewing the information, select “cancel” to void the stop payment and return to theAccount Management main page, select “edit” to make changes to the entry, or select“accept” to submit the stop payment entry.

6. Once the stop is submitted, you will receive a Stop Payment Confirmation. If any informationis incorrect, remove the stop payment entry from the stop payment listing screen (see stepsbelow).

7. From the Stop Payment Confirmation screen, you can return to the Account Managementmain page or create another stop payment entry by selecting the corresponding buttons.

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2.2 Stop Payment Listing

2.2.1: View a Report of Stop Payments in Effect

1. Select “Stop Payment Listing” from the Account Management main page.

2. Select an account to view the stop payments for that account.

3. Click “Main Page” to return to the Account Management main page or click “select” toview the stop payments for the chosen account.

4. A list of stop payments in effect for the selected account will appear. From this screen, youcan select another account from the dropdown menu to view stop payments from anotheraccount, return to the Account Management main page by selecting “Main Page” or removea stop payment by selecting the “remove” button next to the stop payment entry that youwish to delete.

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5. From the Approve Removal of Stop Payment screen you can select “cancel” to return tothe Account Management main page without removing the stop payment, select “edit” toreturn to the stop payment listing, or select “accept” to proceed with the removal of the stoppayment.

6. From the Stop Payment Removal Confirmation screen, you can return to the AccountManagement main page by selecting “Main Page” or return to the list of stop payments byselecting “stop payment listing.”

2.3: Book Transfer Entry

Book transfers enable authorized users to transfer funds from one Key account owned by theclient to another Key account owned by the client. Book transfers must be entered from theoriginating account by 7:00 p.m. local time on business days. If the transfer is entered after 7:00p.m., the information will be retained and the transfer will be processed on the next businessday.

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2.3.1: Manage Funds via Book Transfer

Select “Book Transfer Entry” from the Account Management main page.

1. Utilize the dropdown menu to select the account to transfer funds from. This is the accountthat will be debited.

2. Utilize the dropdown menu to select the account to transfer funds to. This is the account thatwill be credited.

3. Enter the dollar amount to be transferred.

4. Select “cancel” to return to the Account Management main page or select “next” toproceed with the book transfer.

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6. Select “cancel” to void the transfer and return to the Account Management main page,select “edit” to make changes to the entry, or select “accept” to process the transfer.

7. After “accept” is selected, you will be provided with a Book Transfer Request Confirmationscreen. From this screen you can return to the Account Management main page or createanother request for a book transfer.

NOTE: Do not use your browser’s back button to return to the previous screen. Doing socan result in a duplicate transaction.

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2.4: Book Transfer Listing

2.4.1: View a List of Completed Book Transfers

1. Select the “Book Transfer History Report” from the Account Management main page.

2. A report of all book transfers from all accounts will be displayed. You can sort the listing inascending and descending order by column headings using the up and down arrows. Thereport can also be limited using the filter function. To limit the report, select “filter.”

3. Select the From Account numbers (press CTRL + click to select multiple accounts).

4. Select the To Account numbers (press CTRL + click to select multiple accounts).

5. Utilize the dropdown menus to select a date range.

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6. Select “Main Page” to return to the Account Management main page or click“view” to display the results according to the parameters selected.

7. You can return to the Account Management main page by selecting “Main Page” or youcan return to the complete list of book transfers by selecting “unfilter” from the BookTransfer History Report screen.

2.5: Photocopy Request

In order to submit a request from the Account Management main page, you must know thecheck number and the check amount. If you do not have this information available, pleaseutilize the check search function to locate a specific check.

2.5.1: Request a Photocopy from the Account Management Main Page

1. Click on “Photocopy Request.”

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2. Utilize the dropdown menu to select the account that the check was issued from.

a. Enter the check number.b. Enter the amount of the check.c. Enter the Paid Date.d. (Optional) Input the name of the person to whose attention the photocopy should be sent

to.e. Select the number of copies desired.f. Select “next.”

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After reviewing the confirmation information, select “edit” to make changes to therequest, “cancel” to void the request and return to the Account Management mainpage, or “accept” to process the photocopy request.

3. You will receive a photocopy request confirmation. From this screen, you can return to theAccount Management main page or to the check inquiry listing.

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Section 3: Fraud ServicesKey offers one of the most comprehensive and elite Positive Pay services available, includingSame Day Positive Pay, Payee Positive Pay, and Teller Payee Positive Pay. These servicesstrengthen your audit controls by comparing items presented for payment against the checkdetails provided in your issue file. Any checks that do not match are presented to you for reviewand payment disposition (pay/no-pay decisions). Key is one of the only financial institutions tooffer Payee Positive Pay review through the Internet, through the Teller line, and on your ARPreports. Key was also the first bank to offer comprehensive eCheck (checks converted toelectronic/ACH transactions) reporting and the only bank to include Payee names on the report.

As part of Key’s Positive Pay services, you will benefit from fraud detection at our KeyCenter(branch) teller line with Teller Positive Pay and Teller Payee, reducing check fraud at all points ofcheck presentment. Our systems allow Key to verify that a check presented over-the-counter at ourbranches conforms to the Issue File listings provided by our clients. If an item is presented to theteller that is not on the client’s Issue File, the check will not be negotiated by the teller and theindividual presenting the item will be referred to the maker of the check.

3.1: Best Practices for Positive Pay Clients

1. Exception items are items that do not match your issue file. Items may be reported asexceptions if we detect a difference between the information contained in your issue file andthe information on the presented check. For example, if the amount reported on your issuefile differs from the amount of the check that was presented for payment that item will bereported for you to review.

NOTE: Items are reported according to how they are recognized by Key’s software. Althoughthe recognition software generally accurately detects and reports the information from the paperchecks, if any unusual information is reported, Key recommends that clients view an image ofthe item to assist with pay/stop/return decisions.

2. Clients can choose either a “pay all” or “return all” default for positive pay items. Regardlessof the default chosen, positive pay exception items are intended to be reviewed every day.

3.2: Same Day Positive Pay

Same Day Positive Pay works in conjunction with Controlled Disbursement Services.Controlled Disbursement accounts allow clients to have Same Day Positive Pay servicesbecause deferred posting provides an extra day of decisioning time. Same Day Positive Payservices compare your issue file of checks to the items presented for payment. Anydiscrepancies are reported on the same day report, along with additional details, the reason theitem was flagged for review, and a link to view an image of the item (eCheck images are notavailable). Items are ready for review at various times depending on the location of the accountaccording to the following table. All pay or stop decisions must be made by 6:00 p.m. ET (5:00CT, 4:00 MT, 3:00 PT) the same business day, regardless of where the account is located.Same Day Positive Pay exception items will post to your account unless the payment is stoppedor if your default decision is “stop.”

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Same dayPositive Account

Location

Pay PostingBank Number

PostingTime – ET

PostingTime – CT

PostingTime – MT

PostingTime – PT

Albany, NY 3290 2:30 p.m. 1:30 p.m. 12:30 p.m. 11:30 a.m.

Vermillion, OH 0101 2:30 p.m. 1:30 p.m. 12:30 p.m. 11:30 a.m.

Portland, ME* 1961 3:30 p.m. 2:30 p.m. 1:30 p.m. 12:30 p.m.

Price, UT 4451 3:30 p.m. 2:30 p.m. 1:30 p.m. 12:30 p.m.

Anchorage, AK 0242 5:30 p.m. 4:30 p.m. 3:30 p.m. 2:30 p.m.

*The Portland, ME site is no longer being offered to new clients, this site only serves existingMaine CDA clients.

3.2.1: Make Pay or Stop Decisions for Same Day Positive Pay Exception Items

1. Select “Same Day Positive Pay” from the Account Management main page.

2. Utilize the dropdown menu to select an account.

3. Click “go” once the appropriate account is highlighted.

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4. A list of exception items will appear.

5. From this screen you can make individual pay/stop decisions by selecting the appropriateaction for each item and selecting “process items as indicated,” pay all items byselecting “pay all eligible items on this page,” or stop payment on all items by selecting“stop all eligible items on this page.” You can also view an image or additional detailsfor the suspect items, by clicking on “view check” for the item that you wish to view.

NOTE: eChecks have been converted from paper items to ACH transactions; therefore,there are no associated images. Clicking on the eCheck icon will provide additional details,including the type of ACH transaction. If you do not wish to have your paper checksconverted to ACH transactions, please ask your cash management sales officer aboutKey’s EPA service. If an image for a check (not an eCheck) is not available, please contactthe Commercial and Business Banking Center (CBBC) at 1-800-5399039 and notify theCBBC representative that you are having difficulty retrieving an image of a Positive Payexception item.

6. Once items have been decisioned and additional details have been viewed (if desired),select “cancel” to return to the Account Management main page or select “next” toproceed with paying and/or stopping items.

7. Review the information provided on the Approve Same Day Positive Pay screen. Thoseitems requiring a second approver will be identified. You can void the return decisions byselecting “cancel” to return to the Account Management main page, selecting “edit” to

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change a decision by returning to the previous screen, or selecting “submit” to processitems according to the pay or stop decisions selected.

8. Once “submit” is selected, you will receive a Same Day Positive Pay Confirmation screen.Any items that could not be processed according to your instructions will be identified. Fromthe confirmation screen, you can go back to the Account Management main page byselecting “main page,” or return to the Positive Pay screen by selecting “done.”

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3.3: Next Day Positive Pay

Next Day Positive Pay services compare your issue file of checks to the items presented forpayment. Any discrepancies are reported, along with additional details, the reason the item wasflagged for review, and a link to view an image of the item (eCheck images are not available).Items are ready for review at 10:30 a.m. local time and all payment decisions must be made by2:00 p.m. local time. (Local time is defined by where the account is housed within Key.) Clientswith CDA accounts automatically receive Next Day Positive Pay services and will be able toview items that were carried over from the Same Day Positive Pay Report prior to 10:30 a.m.This allows items that were missed on the Same Day Positive Pay Report to be returned.Return decisions can be reversed if changes are made prior to 2:00 p.m. the same businessday.

NOTE: Next Day Positive Pay items are items that have already posted to youraccount. These items can be returned; however, they cannot be stopped as they havealready posted.

3.3.1: Make Pay or Return Decisions for Next Day Positive Pay Posted Items

1. Select the “Next Day Positive Pay” link from the Account Management main page.


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4. A list of exception items will appear.

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5. From this screen you can make individual return decisions by selecting specific individualitems, or you could return all of the items on the page by checking the box directly under theReturn heading. You can view individual images by selecting the “View Check Image”camera icon. After making your decisions select “next.”

Review your decisions and select “submit.” Select “edit” if you need to make a change.

NOTE: eChecks have been converted from paper items to ACH transactions; therefore,there are no associated images. Clicking on the eCheck icon will provide additional details,including the type of ACH transaction. If you do not wish to have your paper checksconverted to ACH transactions, please ask your cash management sales officer about Key’sEPA service. If an image for a check (not an eCheck) is not available, please contact theCBBC at 1-800-539-9039 and notify the CBBC representative that you are having difficultyretrieving an image of a Positive Pay exception item.

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6. Once items have been decisioned and additional details have been viewed (if desired)select “cancel” to return to the Account Management main page or select “next” toproceed with returning selected items.

7. Review the information provided on the Next Day Positive Pay screen. You can void thereturn decisions by selecting “Main Page” to return to the Account Management main page,selecting “edit” to change a decision by returning to the previous screen, or selecting“submit” to process items according to the decisions selected.

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8. Once submit is selected, you will receive a Next Day Positive Pay Confirmation screen.From the confirmation screen, you can go back to the Account Management main page byselecting “Main Page” or return to the Positive Pay screen by selecting “done.”

3.4: Positive Pay Secondary Authorization

Clients can choose to require a second approver authorize all or certain positive pay decisionsbefore payments are made. Secondary authorizations must be performed within the specifiedtime frames. Please refer to the Same Day and Next Day sections for deadlines.

Performing Secondary Positive Pay Authorizations

1. Select “Positive Pay Secondary Authorization” from the Account Management mainpage.

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4. Items requiring secondary authorization will be displayed, along with the name of the userthat initially approved the item.

5. Authorize individual payments by checking items in the “Authorize” column. To view animage or additional details for the suspect items, click on the camera icon for the item thatyou wish to view.

NOTE: eChecks have been converted from paper items to ACH transactions;therefore, there are no associated images. Clicking on the eCheck icon will provideadditional details, including the type of ACH transaction.

6. Select “next.”

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7. Review the information provided on the Positive Pay Secondary Authorization screen. Youcan void the stop/return payment decisions by selecting “Main Page” to return to theAccount Management main page, selecting “edit” to change a decision by returning to theprevious screen, or selecting “submit” to process items according to the pay or stopdecisions identified.

8. Once submit is selected, you will receive a Secondary Authorization Confirmation screen.From the confirmation screen, you can go back to the Account Management main page byselecting “Main Page,” or return to the Secondary Authorization screen by selecting“done.” When you return to the Secondary Authorization screen, the secondaryauthorization decisions will now be identified.

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3.5: Positive Pay History

Clients with any positive pay service will receive the Positive Pay History Report. This reportcontains all decisions made by the client and any default decisions.

To View the Positive Pay History Report:

1. Select “Positive Pay History” from the Account Management main page.

2. Utilize the dropdown menu to select the appropriate account.

3. Utilize the dropdown menu to select the appropriate period for the presentment date.

4. Enter a starting check number and an optional ending check number.

5. Enter a dollar range for the check amount.

6. Utilize the dropdown menus to select a range for the issue date.

7. Utilize the dropdown menu to select either checks or eChecks.

8. Utilize the dropdown menu to select the appropriate action taken:

All Actions – displays all decisions made.

Paid – displays all items with a paid status.

Paid Authorized – displays all paid items that received required secondaryauthorization.

Paid No Action Taken – displays items that were paid without the client making thedecision.

Pay Pending Authorization – displays items that will pay pending a secondaryauthorization.

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Requested Stop – displays items that the client requested to be stopped or thatwere stopped via stop all service (Only for same day positive pay clients).

Returned – displays items the client requested returned or that were returned viareturn all service.

Returned Not Authorized – displays items that were returned because they did notreceive a required secondary authorization.

Stopped Not Authorized – displays items that were stopped because they did notreceive a required secondary authorization (only for same day positive pay clients).

9. Select “Main Page” to return to the Account Management main page or select“search” to view the history report.

10. From the Positive Pay History Report you can select “Main Page” to return to theAccount Management main page or select “edit” to return to the previous screen andfurther limit parameters.

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3.6: Payment Protection Report

Key’s Payment Protection Report allows clients to review all check and e-Check transactionsand return any suspicious payments that posted to your account. Unlike Key’s positive payservice, clients do not submit an issue file of checks; therefore, all check and e-Checktransactions are reported for clients to review. The Payment Protection Report is available at9:00 a.m. local time. Pay/return decisions must be made by 2:00 p.m. local time the samebusiness day. (Local time is defined by where the account is housed in Key).

To Review the Payment Protection Report

1. Select “Payment Protection Report” from the Account Management main page.

2. Use the dropdown menu to select the appropriate account.

3. (Optional) enter the range of check numbers and/or the dollar amount range for the checksyou wish to view.

4. Select “view.”

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5. A list of items will appear. To view an image or additional details, click on the “view check”icon for the item that you wish to view.

NOTE: eChecks have been converted from paper items to ACH transactions; therefore,there are no associated images. Clicking on the eCheck icon will provide additional details,including the type of ACH transaction.

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6. From the check image screen, you can return to the Payment Protection Report by clicking"return to listing" or go to the Account Management main page by selecting "Main Page."

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7. From the Payment Protection Report, you can choose to make individual return decisions byselecting the return option for checks/eChecks that you wish to return.

9. Click “next.”

10. Review the information provided on the Payment Protection Approve screen. You can voidthe return decisions by selecting “main page” to return to the Account Management mainpage, selecting “edit” to change a decision by returning to the previous screen, or selecting“submit” to return the items selected.

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11. Once accept is selected, you will receive a Payment Protection Confirmation screen. Fromthe confirmation screen, you can go back to the Account Management main page byselecting “Main Page” or return to the Payment Protection Report by selecting “done.”

3.7: Payment Protection History

The Payment Protection History Report provides a listing of decisioned items and the associatedaction taken for a period of six months from the day the item was presented for payment. (Thisdate may be significantly different from the day that the item was issued.)

To View the Payment Protection History:

1. Select “Payment Protection History” from the Account Management main page.

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3. Use the dropdown menu to select the time period you wish to review.

4. (Optional) enter the range of check numbers and/or the dollar amountrange for the checks you wish to view.

5. Select “search.”

6. The Payment Protection History Report will be displayed, along with the names of the usersthat decisioned the items.

7. To limit the items reported, select “edit” to input additional parameters, select “clear” to goback to the payment Protection History main page, or select “Main Page” to return to theAccount Management main page.

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Section 4: Reconcilement ServicesKey provides a full suite of reconcilement services, including Full, Partial, and Deposit Reconcilement.The Full plan provides a complete itemized list of all paid and outstanding checks and exception items.This service requires that clients submit a check issue file to Key. The Partial pan provides a listing ofnumerically sorted paid checks. The Deposit Reconcilement offering provides a list of deposits bystore/location number.

4.1: Account Reconcilement Reports

Access Account Reconcilement Reports (ARP)

1. Select “Account Reconcilement (ARP) Reports” from the AccountManagement main page.

2. Utilize the dropdown menu to select the appropriate account.

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3. Click “next.”

4. Utilize the dropdown menu to select the type of report you wish to view.

a. Check Reconciliation – Period Ending: The Check Reconciliation report will provide alisting of paid checks, and Full Plan clients will also receive a listing of outstandingchecks and exception items. These reports are available online for 13 months.

b. Deposit Reconciliation – Period Ending: This report provides a list of deposits bystore/location number. These reports are available online for 13 months

c. Daily Reports/Audit Listing – Daily reports are highly specialized and technical.Generally, our standard reports meet and exceed the needs of most clients. If you haveany unique or atypical reporting requirements please contact your treasury managementadvisor to discuss your needs. The daily audit report contains details from the issue file.You can confirm receipt of your ARP file by checking the audit listing. These reports areavailable online for 62 days.

NOTE: The daily audit report confirms that your file was received. The File confirmationscreen that appears after submitting a file only confirms that you successfully connectedto Key; it does not confirm that Key received your ARP file nor does it confirm that thefile was in the appropriate format and contained the correct information.

d. Corporate Banking Statement – The end-of-period banking statement. These reports areavailable online for 13 months.


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6. From this screen you can view a PDF version of the selected report by clicking on the reportthat you wish to view, change the account number by clicking on “change account,” orchange the type of report by clicking on “change report type.” Select “Main Page” toreturn to the Account Management main page.

4.2: Check Issue Maintenance

Check Maintenance Services enable you to manually add or cancel issue records or inquire intothe status of a check. Adds and cancels process just like an Issue File Transmission and updatethe ARP and Positive Pay systems as they are submitted. You can create up to 20 entries at atime. “Adds” should be submitted before checks are distributed. The Check Inquiry function isavailable on business days between 8:30 a.m. and 11:00 p.m. ET.

4.2.1: Inquire into the Status of a Check

1. Select “Check Issue Maintenance” from the Account Management main page.

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3. Choose “Inquire – Check Issue Record” from the available selections.


5. Enter a beginning check number in the From field.

6. (Optional) Enter an ending check number in the To field.

7. (Optional) To further limit results, choose to apply advanced search criteria to show additionalfields.

a. Enter a minimum and maximum check amount.

b. Utilize the dropdown menus to enter an issue date range.

c. Utilize the dropdown menus to enter a paid/postdate range.

d. Utilize the dropdown menu to select a status.

8. Select “view.”

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9. A listing of up to 250 checks, including the associated statuses, will be displayed. The itemsare displayed based upon the services you are setup for, such as payee name verification.

10. If more than 250 results were returned, select “modify your search criteria” to return tothe Check Issue Inquiry screen to further limit the results.

11. From the Check Issue Listing screen, you can return to the Account Management screen byselecting “Main Page” or search for another check(s) by selecting “perform anotherinquiry.”

4.2.2: Add a Check Issue Record

1. Select “Check Issue Maintenance” from the Account Management main page.

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2. Use the dropdown menu to select the appropriate account from which the new check hasbeen issued.

3. Choose “Add – Check Issue Record” from the available selections.


5. Input the check number(s), dollar amount(s), and any other pertinent datainto the appropriate fields.

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6. (Optional) Select “add more” to input more than 10 adds.

7. To delete these adds, select “cancel.” To continue to process, select “next.”

8. Review the information provided on the Add Check Issue Approval screen. To delete theitems, select “cancel.” To make changes to all or any of the adds, select “edit” to return tothe Add Check Issue Entry screen and change information. To process the adds, select“accept.”

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9. The Add Check Issue Confirmation screen will appear. Any checks that were unable to beadded will be highlighted in red and additional information will be provided in the statuscolumn. To return to the Account Management screen, select “Main Page.” To add morechecks, select “perform another add.”

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4.2.3: Cancel a Check Issue Record

1. Select “Check Issue Maintenance” from the Account Management main page

.


3. Choose “Cancel – Check Issue Record” from the available selections.


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5. Input the check number(s), dollar amount(s), and any other pertinent data into theappropriate fields.

6. (Optional) Select “add more” to input more than 10 cancels.

7. To delete these cancels, select “cancel.” To continue to process, select “next.”

8. Review the information provided on the Cancel Check Issue Approval screen. To delete theitems, select “cancel.” To make changes to all or any of the cancels, select “edit” to returnto the Cancel Check Issue Entry screen. To process the cancels, select “accept.”

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9. The Cancel Check Issue Confirmation screen will appear. Any checks that were unable tobe cancelled will be highlighted in red and additional information will be provided in thestatus column. To return to the Account Management screen, select “Main Page.” Tocancel more checks, select “perform another cancel.”

4.3: Check Issue History

The Check Issue History Report provides a listing of adds and cancels entered via Key TotalTreasury along with their status, the time/date of entry, and the user that created the entry.

NOTE: Checks that were added or cancelled via other means, such as faxing a request to theARP department, will not appear on the Check Issue History Report.

4.3.1: Access Check Issue History Listing

1. Select “Check Issue History” from the Account Management main page.

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3. Select “cancel” to return to the Account Management main page or select “next” toproceed with viewing the history.

4. Enter a beginning check number in the From field.

5. (Optional) Enter an ending check number in the To field.

6. Enter a minimum and maximum dollar amount.

7. Utilize the dropdown menus to enter an issue/cancel date range.

8. (Optional) To further limit results, choose to “apply” advanced search criteria to showadditional fields.

a. Input payee data included on the entry.

b. Input other data included on the entry.

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9. Select “cancel” to return to the Check Issue History Account Filter screen, or select“download” to download the listing in an Excel format, or select “view” to display theresults.

10. If “view” is selected, the check issue history listing will be displayed. You can sort results bycolumn heading by clicking on the up and down arrows. You can also limit results further byclicking on the “filter” button to return to the Check Issue History Filter screen and applyadditional parameters. Selecting “unfilter” will return you to the original results. Results canalso be downloaded and saved by selecting “download.” To return to the AccountManagement page, select “Main Page.” Please refer to the Key Total Treasury User GuideIntroduction for instructions on how to download reports.

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Section 5: GlossaryPaid Items: Items presented for payment with funds disbursed as a result of the presentment.

Not Paid Items: Items presented for payment that did not result in funds disbursement forvarious reasons such as the account did not have sufficient funds to cover the item (NSF) orbecause the item had a stop payment or hold placed on it.

eChecks: Paper checks that have been converted to electronic transactions.

Return Reasons: NSF 1st – The first time the item is being returned for non-sufficient funds.

NSF 2nd – The second time the item is being returned for non-sufficient funds.

Uncollected Funds – Held Funds.

Payment Stopped – Issuer of the check has placed a stop payment on the check.

Account Closed – Account that the check was issued from has been closed prior to thecheck clearing the account.

No Account – The issuing bank cannot locate the account at their bank.

Signature Missing – The check was not signed by the issuer of the check.

Signature Does Not Agree – Signature on the check does not match the authorizedsignature for the account.

Signature Illegible – Signature cannot be read.

Endorsement Missing – The check was never endorsed by the depositor.

Endorsement Not As Drawn – The endorsement of the item does not reflect what is on thepayee line.

Guarantee of Amount – The numeric amount is different from the written amount.

Disc In MICR Amount – There is a discrepancy in the MICR amount (numeric dollar andwritten dollar may differ).

Refer to Maker – Refer to the maker of the item for why it was returned (generally used forfraud).

Account Held – Funds on the maker's account have been held.

Supply Source of Receipt – This is a bank to bank reason.

Payee Altered – The payee line of the item has been altered (it does not reflect theintended payee).

Not Payable in US Dollars – Foreign item.

Altered Amount – The written and/or numeric amount do not reflect the maker's intentions.

Exceed Authorized Amount – The check is written for more than was authorized on theaccount.

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Two Signatures Required – Two signatures are required for the check to be properlypayable.

Endorsement Guarantee – Used when the endorsement of the item is questionable.

Refer to Item – Refer to the face of the item for the return reason.

o No Reason Given – The item is received with no reason on the face of it.o Affidavit – Usually required for altered amount, payee or endorsement return reasons.

Email Notifications:Email notifications are a courtesy service and Key does not recommend that clients only viewtheir accounts/services upon the receipt of an email. Because Key cannot guarantee the receiptof an email, we recommend that clients review their accounts/services on a daily basis.

account management userguide - keybank · in the account management module, select the image type....

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