An ACH Debit is a payment to debit another party using a local ACH member bank.
To enter the full details of an ACH Debit payment:
To access Payments, click Payments on the CitiDirect navigation bar and select any link to the process tabs, such as Modify. The Payments Summary Form appears. Click New and select New Incoming Payment. The Payments Detail Form appears. Note: Required fields are identified by a red asterisk ( * ).
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To access Payments, click Payments on the CitiDirect navigation bar and select Input New Incoming. The Payments Detail Form appears. Note: Required fields are identified by a red asterisk ( * ).
The Preformat Code field should be left blank when creating a payment from Full Detail. Note: If you are going to Submit and Create Preformat, information is required in this field.
The Credit Account Number/Currency/Name field defaults to Client Preference settings. If you have more than one Citibank account and you want to debit a different account, click the Library Look-Up button and select another account number. All related fields are automatically populated.
In the Payment Currency/Amount fields, the currency code defaults to Client Configuration settings. If you want to change it, click the Library Look-Up button and select a different currency code. Enter the amount of the payment in that currency.
If the Use This Currency For Next Payment checkbox is selected, the currency used in this payment will be saved as the default for the next payment entered.
In the Payment Method field, click the Library Look-Up button and select ACH Debit. Fields specific to ACH Debit payments appear in the lower portion of the Payments Detail Form.
In the Transaction Reference Number field, enter the transaction reference number. Note: A complete or partial Transaction Reference Number may be system-generated if specified in Client Preferences.
The Confidential field is available if selected in My Preferences. If you want to indicate that this is a confidential payment, select this check box. Note: Access to confidential payments is determined by your Access Profile.
Select the Pre-Note field to specify that this payment is a pre-note (zero dollar payment). Note: Once a transaction has been pre-noted, six (6) business days must elapse before sending a value transaction (greater than zero dollars). This field does not apply in Canada.
Pre-Note First Available Date is automatically populated with a date six business days past the release date. You may not edit this field. Note: If the payment was created from a preformat and the amount is greater than zero, the system will warn you if this date is less than six business days from the current date. This field does not apply in Canada.
In the Cross Reference Number field, enter the cross reference number. Note: This field is only available in Canada.
In the Transaction Type field, click the drop-down arrow and select a transaction type. The following ACH transaction types are available:
PPD (Prearranged Payment and Deposit Entry): Corporate to consumer transactions.
CCD (Cash Concentration or Disbursement): Corporate to corporate transactions.
The Processing Date field defaults to the system date. If the system date is a not business day or it is later than the Cut-Off time, the field defaults to the next business day. To change the date use date spinner, calendar, or manually enter a new date.
The Value Date field defaults to the processing date, plus one business day. Note: For accounts in Canada, the default is the system date.
In the Debit Party Account Number field, enter the account number associated with the debit party.
In the Debit Party Account Type field defaults to Checking. To change the value, click the drop-down arrow and select Savings. Note: This field is not available in Canada.
In the Debit Party Name field, click the Library Look-Up button and select a name or enter the name of the debit party.
Debit Bank Routing Code is automatically populated when Debit Party Name or Debit Bank Name are filled using the bank library. If the field is not filled or you want to overwrite it, click the Library Look-Up button and select a name or enter a name.
If the Intra-Company check box is selected, the payment is subject to intra-company process flows. This field is set during Pre-Format library maintenance. Note: This field is not available in Canada.
Debit Bank Name is automatically populated when Debit Party Name is filled using the bank library. If the field is not filled or you want to overwrite it, click the Library Look-Up button and select a bank name or you may manually enter a bank name.
For US accounts, enter a description of the transaction in the Entry Description field, for example, Payment, Purchase, or Tax Payment. Note: If you do not enter any information, this field will default to Read Payment.
For Puerto Rican accounts click the Library Look-Up button next to the Entry Description field and select a description.
In the Individual Company ID field, enter the ID associated with the individual company. Note: This field is not available in Canada.
Company Name and Company ID are automatically populated based on Entry Description. Note: These fields are only available in Puerto Rico.
In the Addenda Information field, enter any additional information that should accompany the payment. Note: This field is not available in Canada.
In the Memo Details field, enter any information you would to append to the payment for view by other users. To view all information in this field, click the multiple line button. Note: Memo Details are not carried in the payment instruction message that is sent to the back-end system for processing.
In the Originators Short Name field, enter the short name of the originator. Note: This field is only available in Canada.
The Originators Long Name field defaults to the first 30 characters Full Legal Name of the Credit Account. To change the default, enter a new Long Name. Note: This field is only available in Canada.
Click Submit to save and submit the payment for validation. The payment moves to the next step in the payment process as defined by Flow Control requirements.
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Click Submit and Create Preformat to submit the payment for validation and save the payment information as a preformat. Both the payment and the preformat move to the next step in their respective processes, as defined by Flow Control requirements. Note: If the Pre-Note check box was selected, you must create a full preformat.
Notes:
If server validation fails a Warning or an Error message appears.
The Payments Detail Form contains more payment-specific information than is available on the Payment Summary Form, along with any corresponding actions that you may need to perform.
This form is blank when you are entering the full details of a new payment.
If you are entering a payment using preformats, this form contains the details of the first selected Preformat.
To review the details of the next payment selected on the summary form, click Next. When this form contains the details of the last selected payment, click Next to return to the summary form.
To submit the current payment for processing, click Submit.
To verify the current payment, click Verify.
To authorize the current payment, click Authorize.
To release the current payment, click Release.
To indicate that the current payment contains errors and must be repaired before it can be processed successfully, click Send to Repair and enter a reason for the repair in the Enter a Reason dialog box.
To delete the current payment, click Delete and enter a reason for deleting the payment in the Enter a Reason dialog box.
To return to the Payment Summary Form at any time, click Return to Summary.
To print the details of the current payment, click Other Options and then click Print.
To review any comments, transaction flow history, or error messages, click Other Options and make the appropriate selection from the menu.
The command buttons available on the Payments Detail form vary based on the status of the current payment. When you click a command button, the current payment proceeds to the next step in the process, as defined by Flow Control requirements.