Account Details – Balances, rates, and other detail information related
to an account.
– A unique number used to identify an account at our financial institution.
– Additional information appended to an ACH transaction.
– Notification to a user via secure message, telephone or email regarding
– An approval or authorization is a confirmation by an end-user to submit a
payment for processing.
House (ACH) - A collection of 32 regional electronic
inter-bank networks used to process transactions electronically with a
guaranteed one-day bank collection float.
– Checking account balance that a customer actually has use
of: the current balance, less deposits not yet posted to the account.
– Amount available in an account. See also Available Balance and Current
Balance. Batch – a number of recipients/payments being submitted as a group,
generally with multiple credits but only one debit (batch payments) or
multiple debits but only one credit (collections).
Batch Payments –
An ACH transaction in which several recipient accounts are credited and one
of your online accounts is debited to fund the batch.
– A computer program that enables a user to browse pages on the Internet. Our
online services are browser-based.
– See Computer Registration.
or Disbursement (CCD/CCD+) – An ACH credit or debit to a
– An ACH transaction in which several recipient accounts are debited and one
of your online accounts is credited.
Value - CSV is a delimited data format that has
fields/columns separated by the comma character and records/rows separated by
new lines. Fields that contain a special character (comma, newline, or double
quote), must be enclosed in double quotes. However, if a line contains a
single entry which is the empty string, it may be enclosed in double quotes.
If a field's value contains a double quote character it is escaped by placing
another double quote character next to it. The CSV file format does not
require a specific character encoding, byte order, or line terminator format.
Registration – Act of electronically registering a user’s
computer and linking the registration to the user’s Login ID and password,
effectively restricting unauthorized access from any unregistered computer.
Company owner or
administrator – The primary user at a company that has the
ability to manage users and user rights.
- HTTP cookies, more commonly referred to as Web cookies or just cookies, are
parcels of text sent by a server to a web browser and then sent back
unchanged by the browser each time it accesses that server. Cookies are often
used as part of a secure authentication mechanism in combination with a Login
ID and password to register the user’s computer.
Credit or Credit
Entry - An entry to the record of an account to represent the
transfer or placement of funds into the account.
- The Current Balance is the actual balance in your account at the beginning
of a specific business day. Current Balance does not include any holds or
pending transactions (e.g. transactions that have not posted to the account).
– A user or group of users, of our online services. A customer can be a
household with multiple members or a company with multiple employees.
Debit or Debit Entry
- An entry to the record of an account to represent the transfer or removal
of funds from the account.
– The right for a user to deposit funds into a selected account.
– Initiating a transaction online that is pending approval. Drafting a
transaction does not send the payment to us for processing until somebody
approves the payment.
– An account statement that is delivered and available via our online
services. Sometimes, this requires that you enroll for electronic statement
delivery. An electronic statement may be delivered in lieu of a mailed statement
in some cases.
– An eligible approver is a user that is the target of a Mobile Authorization
request. The user must 1) have enrolled for Mobile Authorizations online and
2) have the rights to authorize the requested payment to be considered
– An email sent to a recipient to inform them of an impending credit or debit
to their account. Email notifications are sent for commercial payments and
are optional for each recipient.
– A user of our online services with a unique Login ID.
– A transfer made between one of your accounts at our financial institution
and one of your accounts at another financial institution.
Account – One of your accounts at another financial
institution that is added to your online accounts for the purpose of
transferring money to and from the account.
– A Real Time Gross Settlement Funds Transfer system operated by the Federal
Reserve Banks that enables financial institutions to electronically transfer
funds between its more than 8,900 participants. Fed wire is the primary
United States network for large-value or time-critical domestic and
international payments, and is designed to be highly resilient and redundant.
Federal Tax Payment
– An ACH tax payment made to the Internal Revenue Service.
– The act of importing a NACHA-formatted ACH file into our online system for
the purposes of making a payment.
– A popular Internet browser from Mozilla used to access our online services.
Firefox is a supported browser on Windows, Mac, and Linux operating systems.
– Entering recipient and payment information into a template that is not
stored for future use (i.e. a one-time payment).
– See Transfer
- a popular Internet browser from Microsoft® Corporation used to access our
online services. Internet Explorer (IE) is a supported browser on Microsoft®
Windows®-based operating systems.
– See Transaction Limits
– A unique identifier of a user of our online services. A Login (a.k.a a User ID) in combination with a password on a
registered computer is required to authenticate a user of our online
– Obscuring or partially obscuring sensitive or personal information to
prevent unauthorized access or over-the-shoulder viewing by unauthorized
Transaction – A pending transaction (debit or credit) that
has not yet posted to your account.
– The act of approving a transaction sent by the drafter of the transaction
by telephone or email to your mobile phone or device.
Code (MAC) - a secure code, or PIN, that a user establishes
online. This code is used to authorize a payment sent by another user as part
of a Mobile Authorization Request, or to authorize a mobile transaction via
our mobile services.
– an ACH payment file that is in the defined NACHA format and can be directly
uploaded into our system.
Clearing House (NACHA) - NACHA is a not-for-profit
association representing more than 11,000 financial institutions through
direct memberships and a network of regional payments associations, and 650
organizations through industry councils. NACHA develops operating rules and
business practices for the ACH Network and for electronic payments in the
areas of Internet commerce, electronic bill and invoice presentment and
payment (EBPP, EIPP), e-checks, financial electronic data interchange (EDI),
international payments, and electronic benefits services (EBS).
– The single debit or credit account associated with a batch payment or
– A history of your activity via our online services. Online activity contains
all transactions that a customer or user has drafted, approved, or cancelled
via our online services.
– In combination with a Login ID on a registered computer, a password
provides secure access for a user to our online services.
– See Batch Payments
– A batch ACH credit payment to multiple payroll recipients. This is
typically a PPD/PPD+ transaction and is a 2-day effective payment.
– See Memo-posted transaction
- Phishing is an attempt to criminally and fraudulently acquire sensitive
information, such as usernames, passwords and credit card details, by
masquerading as a trustworthy entity in an electronic communication. eBay, PayPal and online banks are common targets. Phishing
is typically carried out by email or instant messaging and often directs
users to enter details at a fraudulent website, although phone contact has
also been used. Phishing is an example of social engineering techniques used
to fool users. Attempts to deal with the growing number of reported phishing
incidents include legislation, user training, public awareness, and technical
– An online user that has high bandwidth and uses a preferred browser.
or Deposit (PPD/PPD+) – An ACH credit or debit to a personal
(Pre-note) – A non-dollar entry that may be sent through the
ACH Network by an Originator to alert an receiving financial institution that
a live-dollar transaction will be forthcoming and that verification of the
Receiver's account number is required.
– See User Profile
– A popular Personal Financial Management application from Intuit®. Users
often like to download their online banking transactions to Quicken for the
purpose of budgeting and reporting.
– A popular Business Financial Management application from Intuit®. Company
users often like to download their online banking transactions to QuickBooks
for the purpose of budgeting and reporting.
– A company or person who is the receiver of an online transaction, debit or
Transaction – A transaction that is scheduled to repeat on a
Number - The RTN is a bank identifier found on the bottom of
checks. It is commonly referred to as an ABA (American Bankers Association)
number and is nine numerical digits in length.
– A popular Internet browser from Apple Corporation used to access our online
services. Safari is a supported browser on Mac OS-X operating systems.
Preferences – The preferred telephone and email contacts to
which our system can send you secure information (i.e. temporary passwords,
registration codes, etc.).
– A secure communication between an online user and our financial
Time-out – An involuntary system timeout that occurs after
the User Session timeout has expired and after which all non-submitted
session data is lost.
– The act of logging off of our online services. This can be accomplished by
selecting the ‘Sign-off’ menu, or closing your browser.
– An ACH credit to a single recipient account.
– An ACH debit to a single recipient account.
– An ACH payroll credit that is to be split into 2 or 3 recipient accounts
(the primary account, split account A and split account B).
– An online user that has limited bandwidth and/or uses a supported, but not
Statement by Mail
– A statement of account that is printed and delivered by mail.
State Tax Payment
- An ACH tax payment made to a state tax authority.
- To request that your bank not honor a check you wrote. The bank will not
deduct funds from your checking account if the stop payment request is
– a sub-company profile that includes an ACH Header, Wire Header, Tax ID
Number and Company Address. This information creates a separate ‘Pay From’
record that can be selected for each commercial payment.
– Saved recipient and payment information that is stored and recalled for
– A unique transaction identifier that a user is provided for each online
payment. This ID can be used to reference a transaction when communicating
– A payment, transfer or other service made via our online banking services.
– Customer and user restrictions on the number of transactions and amount per
transaction that they can approve. Limits can be daily and/or monthly.
– The movement of funds from one of your online accounts to another.
– Your personal contact information that we collect via our online services
to better serve you.
Time-out – A system time-out caused by user inactivity after
a defined period of elapsed time. For some transactions, a user will be able
to enter their password when prompted to complete a transaction after a User
- The right for a user to view a selected account.
– An Intuit® product that allows the user to download their online
transaction history from our financial institution into Quicken® or
- An electronic transfer of funds, such as one that is made over the Federal
Reserve Wire Network (Fed Wire). Wire transfers are more immediate than ACH
transactions and are generally used to transfer larger amounts than ACH
- The right for a user to withdraw funds from a selected account.