COMMERCIAL BANKING
CHASE COMMERCIAL ONLINE
SM
| FRAUD PR OTECTION SER VICES | DASHBOARD
With Chase Commercial Online Fraud Protection Services, you have access to quick, simple online tools to help
protect your accounts against check fraud
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. 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 EASILY
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 CUTOFF
TIME FOR EACH ACCOUNT.
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COMMERCIAL BANKING
CHASE COMMERCIAL ONLINE
SM
| FRAUD PR OTECTION SER VICES | POSITIVE P AY ENR OLLMENT
First, you'll need to enroll in the service.
Step
1
After you log on to Chase Commercial
Online, go the Send Payments tab, under
Fraud Protection click "Enroll Now."
Select the accounts you want to enroll in
Fraud Protection Services, and then select
Positive Pay or Reverse Positive Pay for each
account.
Step
2
ENROLL NOW
Positive Pay: Review Immediate Customer
Exceptions (RICE) will be selected. You can
unselect RICE if you do not want to enroll in
this feature. NOTE: Chase will call you to
conrm your enrollment in RICE.
You can also choose if you'd like to enroll in
Payee Name Verication.
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."
Carefully read the on screen
messaging. To complete your Positive Pay
enrollment, you'll need to upload a le with
your check details (see instructions on the
next page), or click "Enter Checks" when you
complete your enrollment.
Step
3
The Positive Pay service is usually active
within three business days. IMPORTANT:If
RICE is selected, immediately upon
enrollment, all checks presented for
payment will appear as exceptions for
you to review and provide a decision.
These items will be automatically
returned unless you instruct us to
pay the item. You can minimize the
number of exceptions you will see by
providing check issuance details. You
will be assessed a fee for every returned
check.
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C OMMER CIAL BANKING
CHASE COMMERCIAL ONLINE
SM
| FRAUD PROTECTION SERVICES | POSITIVE PAY FILE FORMAT
With Fraud Protection Services through Chase Commercial Online, you can use our dashboard to upload information about checks you write
so we can compare those details 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.
Uploading your Positive Pay les online helps you: reduce costs, simplify the way you send us your check information, decrease the number of
employees it takes to send in your check details (sending us your check details is easy; there’s no need to engage technical resources to assist
with complex le transmissions), and save time (you can send us your check details quickly and easily from anywhere you have access to Chase
Commercial Online by following the steps below).
Step
1
Creating the CSV le in Microsoft Excel
®
Create a le containing the check details you want to upload. Do not include a header row on your le; instead, the rst row
should contain information about your rst check. Information for each additional check should be entered on separate lines.
For each check, enter the following
information:
A. Check type: I = issued check,
or C = voided or cancelled check
B. Account number
C. Check number
D. Check date: Date should be formatted
as mmddyy*
E. Check amount: This eld may contain
decimals, but no commas
F. Payee line 1: This eld is limited to
40 characters
G. Payee line 2: This eld is limited to
40 characters
Finally, save your le in Comma-Separated
Value (CSV) format.
Do not include any spaces in the le name.
* In order for your le to be uploaded, the date
eld must contain a total of 6 characters. In
some instances, Microsoft Excel® will delete
the rst 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)
Excel
®
is a registered trademark of the Microsoft
®
Corporation.
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COMMER CIAL BANKING
CHASE COMMERCIAL ONLINE | 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
Next, click "Create Custom File Format."
Step
2
Note: You may need to click "See more
choices" for the option to appear.
CREATE CUSTOM FILE FORMATS
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CHASE COMMERCIAL ONLINE | FRAUD PROTECTION SERVICES | CUSTOM POSITIVE PAY FILE
Step
3
Customize Your New File Format
• Name the le format
• Determine if the new format will be the
default le format
• Select le type: comma separated or
xed width (for xed width you will also
enter a line of sample data)
• Order elds (comma separated) or
indicate start to end position for each
eld (xed width). NOTE: You cannot
remove any elds, all elds are required.
• Customize data format, when applicable
• Add help text (optional)
After you click "Save Format" you'll review
your new le format and have the option to
make modications.
SAVE FORMAT
CUSTOMIZE FILE FORMAT
Click "Submit" and test the new le format.
Note: You can edit your custom le formats
at any time by clicking "Manage File Formats"
on the Fraud Protection Services dashboard.
Next, click "Edit" next to the format you'd like
to modify.
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C OMMER CIAL BANKING
CHASE COMMERCIAL ONLINE | 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 that information 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-o 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.
The Payee Name Verication Option: If you selected the Payee Name Verication option for Positive Pay during Fraud Protection Services
activation, we’ll verify that the payee name on the check matches the payee name in the information you presented to us.
To learn how to reduce exceptions caused by readability errors, please see the last page of this guide.
Upload Checks
Step
1
• On the Fraud Protection Services
dashboard, nd the section labeled
“Enter Checks Written”
• To select a le containing your check
details for upload, click “Browse”
• Transmit the le to Chase by clicking
“Upload”
Note: Files must be in CSV format, and the
le name must not contain any spaces. Use
the “See sample le” link for an explanation
of how your le should be structured.
CLICK BROWSE TO UPLOAD FILE
ENTER MANUALLY
OR
Enter Checks Manually
• On the Fraud Protection Services
dashboard, click “Enter Manually” and
enter check details in the elds provided
• If you need to add details for multiple
checks, click “Add” and enter additional
check details in the elds that appear
• When you have nished, click “Next”
to verify and then submit your check
information
Note: You may include a comma (,) in the
Payee line, however, the Payee name must
be surrounded by quotation marks (“).
Example: “Yale Vision, Inc.”The comma(s)
and quotation marks are included in the 40
character limit. Quotation marks do not need
to be written on the check.
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CHASE COMMERCIAL ONLINE | 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.
OR
If you want to review checks in multiple
accounts, click “Positive Pay” on the Fraud
Protection Services dashboard.
REVIEW EXCEPTIONS
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 each
check using the drop-down menu.
• 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
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CHASE COMMERCIAL ONLINE | FRAUD PROTECTION SERVICES | POSITIVE PAY
Step
4
Verify & Conrm Decisions
• If you see an item you want to change,
click “Change” and make any necessary
revisions.
• Once you have veried that all
information is correct, click “Submit
Decisions.”
• You will then receive a conrmation that
your decisions were submitted.
Note: For Positive Pay, please make all your
check decisions by the decision cut-o time.
Otherwise, we’ll return checks you haven’t
reviewed and charge you a returned check fee.
SUBMIT DECISIONS
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C OMMER CIAL BANKING
CHASE COMMERCIAL ONLINE | FRAUD PROTECTION SERVICES | REVERSE POSITIVE PAY
With Reverse Positive Pay, we provide tools for you to monitor checks on your own. We show you checks presented for payment that are equal to
or greater than the threshold you specied when you enrolled in Reverse Positive Pay. For example, if you entered $100 as your threshold amount,
we’ll only present you with checks that were written for $100 or more and we’ll pay any checks that are less than $100. Please note that any
checks below the threshold will not be protected by Fraud Protection Services and may be subject to greater risk of fraud.
Once you have reviewed the checks we’ve shown you, you can decide to pay the check, return the check, or adjust the amount.
Note: If you don’t provide check decisions by the decision cut-o time (4 PM local account time), we’ll pay each check you haven’t reviewed.
Step
1
Review Check Decisions
• On the Fraud Protection Services
dashboard, click on an account that has
exceptions you wish to review.
OR
• If you want to review checks in multiple
accounts, click “Reverse Positive Pay”
on the Fraud Protection Services
dashboard.
• Then select accounts using the
checkboxes on the “Review check
decisions” page and click “Next.”
REVIEW CHECK DECISIONS
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CHASE COMMERCIAL ONLINE | FRAUD PROTECTION SERVICES | REVERSE POSITIVE PAY
Step
2
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, return, or adjust
using the drop-down menu for each
check.
• If you choose to adjust an amount, enter
the adjusted amount in the box that will
appear next to the drop-down menu.
• After making all decisions, click “Next.”
PAY, RETURN OR ADJUST
Step
3
Verify & Conrm Decisions
• If you see an item you want to change,
click “Change” and make any necessary
revisions.
• Once you have veried that all
information is correct, click “Submit
Decisions.”
• You will then receive a conrmation that
your decisions were submitted.
Note: Please make all your check decisions
by the decision cut-o time. Otherwise, we’ll
pay the checks you haven’t reviewed.
VERIFY AND SUBMIT DECISIONS
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C OMMER CIAL BANKING
CHASE COMMERCIAL ONLINE | FRAUD PROTECTION SERVICES | CREATE REPORTS
Generate reports of your exceptions history or check input history.
Step
1
Select a Report to View
• On the Fraud Protection Services
dashboard, locate the Reports section.
• Use the drop down menu to select the
account you want to use to run your report.
• Select either “Exceptions History” or
“Check Input History.”
• Enter the date range for the report.
• Click “Show Report” to generate the report.
CLICK SHOW REPORT
Available Reports:
The Exceptions History Report displays
information about each exception processed
over the selected time period (e.g. - decision,
status, reviewed by).
The Check Input History Report (only
available with Positive Pay Service) displays
information about the issued check details
you provided to Chase (e.g. - source of the
check issued).
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CHASE COMMERCIAL ONLINE | FRAUD PROTECTION SERVICES | CREATE REPORTS
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Step
2
Print or Download a Report
To print or download the report, use the
“Print” or “Download” buttons at the bottom
of the report.
PRINT OR DOWNLOAD EXCEPTIONS
HISTORY REPORT
PRINT OR DOWNLOAD EXCEPTIONS
HISTORY REPORT
C OMMER CIAL BANKING
CHASE COMMERCIAL ONLINE | FRAUD PROTECTION SERVICES | TIPS
HOW TO REDUCE EXCEPTIONS CAUSED BY
READABILITY ERRORS
Please use the following guidelines to reduce the number of check
exceptions presented for review due to readability problems. Remember,
with Positive Pay, you will be charged for each check exception
presented for review.
Text formatting. Checks are most readable when the text is printed in
12-point font or larger, a recommended font style (Courier New, Arial,
or Times New Roman), black ink, and all uppercase letters. Please note
that text should not be italicized, underlined or written in cursive.
Printing. Checks should be printed on ink jet or laser printers with a
resolution of 600 dpi or higher. Dot matrix printed and hand written
checks are not recommended.
Printing should also conform to the Federal Reserve Bank Regulation
CC Standards, published ANSI layout standards, and be “image friendly.”
Please note that any dark background patterns, images or watermarks
on the check in the name and address block area can show on the black
and white image and may interfere with readability.
Payee Name. The Payee Name that you provide to Chase must exactly
match the name printed on the check in layout, format, letters, and
punctuation.
Check format. The location of the Payee Name on the check is
determined by the location of the phrase “Pay to the Order of.”This
phrase can be stacked vertically to the left or in a horizontal line above
the Payee Name and should be left-aligned. If the phrase “Pay to the
Order of” is stacked vertically to the left of Payee Name, then the phrase
must start on the same line as the Payee Name.
The location of the payee information should also be consistent by
account number. The Payee Name must start on the rst line of the payee
address block and must not exceed two lines of the payee address block.
An address line must always follow the payee line. There should be no
blank spaces or lines between the payee and the address.
FRAUD PROTECTION ALERTS
When you start managing your checks through Chase Fraud Protection
Services, you can receive and manage Account Alerts to help you keep
track of your account activity.
To enable these alerts for authorized users, the System Administrator
should click “Manage Alerts” on the dashboard and then add the user’s
email address to their Fraud Protection Services Alerts.
CONTACT US
Need help? If you have questions about Chase Fraud Protection
Services, please call the Chase Commercial Online Service Center at
1-877-226-0071 (for Government, Not-for-Prot, and Healthcare Banking
Clients: 1-855-893-2223). Our Service Representatives are available to
assist you Monday through Friday, from 8:00 AM to 8:00 PM Eastern
time.
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Terms, conditions, limitations, and fees apply as described in the Chase Commercial Online Access and Services Agreement. No representation or warranty of any kind or description is intended or to be
inferred from the name “Fraud Protection Services,” given to the Positive Pay Service and the Reverse Positive Pay Service which are available as data matching tools on Chase Commercial Online to aid
Customer’s in preventing errors and fraud with respect to Items presented against Customer’s checking accounts.
© 2015 JPMorgan Chase Bank, N.A. Member FDIC. Equal Opportunity Employer. “Chase” is a marketing name for certain businesses of JPMorgan Chase & Co. and its subsidiaries, including, without limitation, JPMorgan Chase
Bank, N.A.
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