Chase Online for Business | Fraud Protection Services

CHASE ONLINE FOR B US I N ES S | FRAUD PROTECTION SERVICES | ENROLLMENT

First, you'll need to enroll in the service.

Step

1

After you log on to Chase Online for Business, go to the Send Payments tab, under Fraud Protection click "Enroll Now."

ENROLL NOW

Step

2

Please read and accept the Fraud Protection Services Legal Agreement and then verify a billing account.

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CHASE ONLINE FOR B US I N ES S | FRAUD PROTECTION SERVICES | ENROLLMENT

Step

3

Next, select the accounts you want to enroll in Fraud Protection Services, and then select Positive Pay or Reverse Positive Pay for each account.

Reverse Positive Pay: Enter the dollar amount for checks to be presented for your review.

Click "Next." You'll be prompted to verify your choices. Carefully read the on screen messaging and click "Enroll."

Step

4

Carefully read the on screen messaging. To complete your Positive Pay enrollment, you'll need to upload a file with your check details (see instructions on the next page), or click "Enter Checks" when you complete your enrollment.

The Positive Pay service is usually active within three business days, following the submission of at least one issue file either manually or through file upload. Until at least one issue is provided manually or through upload, the status will reflect "Pending Activation."

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CHASE ONLINE FOR BUSINESS | FRAUD PROTECTION SERVICES | DASHBOARD

With Chase Online for Business Fraud Protection Services, you have access to online tools to help protect your

accounts against check fraud1 . To effectively use this service, please make certain you're committed to using it

regularly; that's how it works best. We strongly encourage you to dedicate time and resources every day to

upload check details (if necessary), review the items we flag, and make pay or return decisions. The System

Administrator may perform these tasks, or use Access & Security Manager to grant other employees in

the company the ability to use Fraud Protection Services. A link to Access & Security Manager is located on

the My Accounts page.

Step

1

The Chase Fraud Protection Services Dashboard

To get to the Chase Fraud Protection Services dashboard, click on Send Payments tab and click "Fraud Protection." On the dashboard, you'll only see information about the services (Positive Pay or Reverse Positive Pay) that you have requested for each account.

EACH SECTION CAN BE EXPANDED OR COLLAPSED USING THESE ARROWS.

FOR POSITIVE PAY, YOU CAN PROVIDE INFORMATION ABOUT CHECKS YOU'VE ISSUED BY UPLOADING A FILE OR ENTERING THE DETAILS MANUALLY.

YOU CAN SELECT THE TYPE OF REPORT YOU WANT FOR EACH ACCOUNT; AN "EXCEPTIONS HISTORY" REPORT IS AVAILABLE FOR BOTH POSITIVE PAY AND REVERSE POSITIVE PAY, WHILE A "CHECK ISSUE INPUT HISTORY" REPORT IS ONLY AVAILABLE WITH POSITIVE PAY.

FOR POSITIVE PAY OR REVERSE POSITIVE PAY, YOU'LL SEE A TALLY OF THE CHECK EXCEPTIONS YOU'VE REVIEWED OR STILL NEED TO REVIEW. YOU'LL ALSO BE REMINDED OF THE DECISION CUT-OFF TIME FOR EACH ACCOUNT.

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CHASE ONLINE FOR B U S I N E S S | FRAUD PROTECTION SERVICES | POSITIVE PAY

With Positive Pay, you provide details about checks you've written and we'll compare certain information to checks presented for payment. Any check that does not match the account number, check number and dollar amount you've provided will be marked as an "exception" and will be available for your review. You can then decide whether to pay or return the check. Note: If you don't provide check decisions by the decision cut off time (4 PM local account time), we will return any checks that have not been reviewed and you will be charged a returned check fee where applicable.

To learn how to reduce exceptions caused by readability errors, please see the last page of this guide.

Step

1

Upload Checks

? On the Fraud Protection Services dashboard, find the section labeled "Enter Checks Written"

? To select a file containing your check details for upload, click "Browse"

? Transmit the file to Chase by clicking "Upload"

CLICK BROWSE TO UPLOAD FILE

ENTER MANUALLY

Note: Files must be saved as CSV formats, which can be achieved by using the Save As function in Excel and selected CSV. The file name must not contain any spaces. Use the "See sample file" link for an explanation of how your file should be structured.

OR

Enter Checks Manually ? On the Fraud Protection Services

dashboard, click "Enter Manually" and enter check details in the fields provided and click add to add your item ? If you need to add details for multiple checks, click "Add" and enter additional check details in the fields that appear ? When you have finished, click "Next" to verify and then submit your check information

Note: Payee Name fields are used for informational purposes only and are not used or reviewed when analyzing checks for Positive Pay purposes. Only Account Number, Check Number and Dollar amount are used in review to provide exceptions to you.

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CHASE ONLINE FOR B U S I N E S S | FRAUD PROTECTION SERVICES | POSITIVE PAY

Step

2

Review Check Exceptions On the Fraud Protection Services dashboard, click on an account that has exceptions you wish to review.

REVIEW EXCEPTIONS

OR

If you want to review checks in multiple accounts, click "Positive Pay" on the Fraud Protection Services dashboard.

Then select accounts using the checkboxes on the "Review check decisions" page and click "Next."

REVIEW EXCEPTIONS

Step

3

Make Check Decisions

? Review the check information. ? If you wish to view a copy of the check,

click "See check." ? Make a decision to pay or return the

item, using the drop-down menu for each check.

? Pay: Pay the Item ? Return: Return the Item (Do Not

Pay the Item)

? After making all decisions, click "Next." ? You may also choose to pay or return all

items by choosing the "Select all" box.

PAY OR RETURN

CLICK SEE CHECK 5

CHASE ONLINE FOR B U S I N E S S | FRAUD PROTECTION SERVICES | POSITIVE PAY

Step

4

Verify & Confirm Decisions

? If you see an item you want to change, click "Change" and make any necessary revisions.

? Once you have verified that all information is correct, click "Submit Decisions."

? You will then receive a confirmation that your decisions were submitted.

? All decisions are final after submission.

Note: For Positive Pay, please make all your check decisions by the decision cut off time. Otherwise, we'll return checks you haven't reviewed and charge you a returned check fee, where applicable.

SUBMIT DECISIONS

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CHASE ONLINE FOR B U S I N E S S | FRAUD PROTECTION SERVICES | POSITIVE PAY FILE FORMAT

With Fraud Protection Services through Chase Online for Business, you can use our dashboard to upload information about checks you

write so we can compare those details (account number, check number and dollar amount) to checks presented for payment (Positive Pay

service only).

NOTE: Do not include future dated checks in your check issuance file. Please upload a new file on or after the issuance date.

You can customize the order of the columns in your check issuance file. The step below shows the standard file format, see the next page for instructions on how to customize your file.

Step

1

Creating the CSV file in Microsoft Excel? Create a file containing the check details you want to upload. Do not include a header row on your file; instead, the first row should contain information about your first check. Information for each additional check should be entered on separate lines.

For each check, enter the following information.

No less than six fields are required for submission.

A. Check type: I = issued check, or C = voided

or cancelled check (Required)

B. Account number (Required) C. Check number (Required) D. Check date: Date should be formatted as

mmddyy* (Required)

E. Check amount: This field may contain

decimals, but no commas (Required)

F. Payee line 1: This field is limited to

40 characters** (Required)

G. Payee line 2: This field is limited to

40 characters** (Optional)

Finally, save your file in Comma-Separated

Value (CSV) format.

Do not include any spaces in the file name.

* In order for your file to be uploaded, the date field must contain a total of 6 characters. In some instances, Microsoft Excel? will delete the first zero of a number, referred to as the leading zero. To force Microsoft Excel? to accept leading zeros:

Right-click the top of the column that contains your date information

Select "Format Cells"

In the "Category:" box, select "Custom"

In the "Type:" box, enter "000000" (six zeros to correspond with the mmddyy format)

** Payee Name fields are used for informational purposes only and are not used or reviewed when analyzing checks for Positive Pay purposes. Only Account Number, Check Number and Dollar amount are used in review to provide exceptions to you.

Excel? is a registered trademark of the Microsoft? Corporation.

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CHASE ONLINE FOR B US I N ES S | FRAUD PROTECTION SERVICES | CUSTOM POSITIVE PAY FILE

An additional benefit to uploading your Positive Pay check issuance file is that you can customize certain aspects of your upload file. When you upload information about checks you write, we can compare those details to checks presented for payment.

Step

1

From the Fraud Protection Services dashboard click "Manage Custom File Formats."

Note: You may need to click "See more choices" for the option to appear.

MANAGE CUSTOM FILE FORMATS

Step

2

Next, click "Create Custom File Format."

Note: You may need to click "See more choices" for the option to appear.

CREATE CUSTOM FILE FORMATS

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