Americana Community Bank Digital Banking Guide for Business Accounts

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Managing Exceptions Customers that utilize ACH Positive Pay are responsible for reviewing their exceptions and decisioning them as they occur every business day. Failure to review could result in additional cost to the customer and the ACH item being returned for a valid transaction. ACH items will come into your account throughout the business day. If an ACH item is marked as an exception according to the ACH Blocks or Filters set up on your account, it will be marked for return the day after its effective date. It is recommended customers set up email alerts, monitor their email, and make timely decisions on exceptions. It is recommended customers log into ACB digital banking at the beginning and end of a business day to ensure there are no pending ACH Positive Pay exceptions for the account. If an exception is not decisioned, it will not show up in under the Historical Decisions tab.

2

1

In the Business Banking tab, click Positive Pay . 1. Click an Exception or select the

icon at the top-right of the page. Clicking

icon will allow you to select multiple entries to approve or return

the

based on the rules set up for your account.

2. Select the appropriate decision. • Approve: May be used to allow an ACH exception to pay as normal • Return: Used to advise the Bank you are returning the ACH item. If you

do not mark the ACH item to return, it will not show up in Historical Decisions and will follow rules set on the account for how to handle that ACH exception.

ACH Positive Pay: Filters