First Citizens Bank Digital Banking for Business User Guide

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Positive Pay for ACH Transactions You will be notified by your chosen delivery method on any business day where you have a Positive Pay Exception that requires your attention. *If you have Exceptions that require your decision, they will display here. For reporting, click Advanced Services. Managing Exceptions Note : For ACH exceptions, the ACH Standard Entry Class Code, Originating Company ID and Debit or Credit (DR/CR) are displayed in the exception description.

NOTE: Default decision will apply to exceptions if no decision has been made by 3:30 PM ET.

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In the Business Services dropdown, click Positive Pay . 1. The Exceptions tab displays the number of exceptions awaiting a decision. 2. Click on the Exception to view transaction details. • Amount: Amount of the transaction • Exception Reason: Unauthorized ACH Transaction • ACH Class Code: ACH Exception type (PPD) for personal, CCD for business, and WEB for Internet initiated) 10a 1a 2a 3a 4a 5a 6a 7a 8a 9a 10b 1b 2b 3b 4b 5b 6b 7b 8b 9b 10c 1c 2c 3c 4c 5c 6c 7c 8c 9c 10d 11a 12a 13a 14a 15a 16a 17a 18a 19a 20a 11b 12b 13b 14b 15b 16b 17b 18b 19b 20b 1d 2d 3d 4d 5d 6d 7d 8d 9d 10a 1a 2a 3a 4a 5a 6a 7a 8a 9a 10b 1b 2b 3b 4b 5b 6b 7b 8b 9b 10c 1c 2c 3c 4c 5c 6c 7c 8c 9c 10d 1d 2d 3d 4d 5d 6d 7d 8d 9d J KLMNOPQRST U V W X Y Z A B C D E F G H I

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• Company ID: Originator’s ACH ID • Description: Originator’s name

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Note : All exceptions must be given decisions by 3:30 PM EST. Your default decision (Pay or Return) will be applied if no decision has been made by 3:30 PM EST. A1 B1 C1 D1 E1 F1 G1 H1 I1 J2 A2 B2 C2 D2 E2 F2 G2 H2 I2 A3 B3 C3 D3 E3 F3 G3 H3 I3 A3 B3 C3 D3 E3 F3 G3 H3 I3 J1 J3

Positive Pay for ACH Transactions: Managing Exceptions