User Guide
—Electronic Funds Transfer (EF T) Service
Contents
What You Need to Know About ATB’s EFT Service
4
Funding EFT Files 4
1.Liquidity Limit 4
2.Exchange Funding
5
Limits 5
1.File Limits
6
2.Limits and Currencies 6
Workflow Approval Setup 7
Workflow Approval 8
EFT Return Alert 10
1.Creating the Alert 10
2.Subsribing to the Alert
11
User Procedures 12
Managing EFTs
12
Create an EFT File Manually in ATB Online Business 12
Create an EFT File from a Template in ATB Online Business
14
Create an EFT File Using ATB’s EFT Editor 15
Import an EFT File
16
View Imported EFT Files 20
Edit an EFT File 21
Release an EFT File 22
Workflow Approval 23
Delete an EFT File 24
View pending EFT Files 24
View EFT File History
25
Download EFT File
26
Recall or Reverse an EFT
28
Trace an EFT Payment 28
29
Download EFT Returns/NOC Details
30
Represent and EFT Return
31
View EFT Returns or Notices of Change Managing Receivers 32
Add a Receiver
32
Edit a Receiver 33
Delete a Receiver
33
Managing Templates 34
Add a Template 34
Edit a Template 35
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Add a Transaction to an Existing EFT Template 36
Delete a Template 36
Administrator Procedures 37
Authorizing a Role for ATB’s EFT Service 37
Contact Us 38
Appendix A – EFT File Formats
39
CPA 1464 Byte File Format 39
1464 Byte Logical Record Types in Detail 40
ATB 96 Byte File Format 43
96 Byte Logical Record Types in Detail 44
ATB CSV File Format 46
Appendix B – EFT File Validations 47
CPA 1464 Byte File Validations 47
ATB 96 Byte File Validations 49
ATB CSV File Validations 52
Appendix C – EFT File and Item Status 53
File Level Status Descriptions 53
Item Level Status Descriptions 54
Appendix D – CPA Transaction Codes
55
Item Level Codes 55
Appendix E – Julian Calendar Dates
59
Julian Calendar Non Leap Year 59
Julian Calendar Leap Year
60
Appendix F – Data Element Dictionary 62
Appendix G – File Reject and Return Reasons 67
ATB Online File Reject Reasons 67
ATB Online Item Return Reason Code Descriptions 67
ATB Online Item Return Invalid Data Elements
68
Appendix H – How to Read a Cheque 70
Appendix I – Pre Authorized Debits 71
Sample Pre Authorized Debit Agreements
Appendix J - File Types and Receiver Types
71
73
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What you need to know about ATB’s EFT service
ATB’s EFT Service enables you to electronically debit or credit Canadian dollar (CAD) and U.S. dollar (USD) accounts at any
financial institution in Canada. As a viable, easy-to-use alternative to cheque and wire payments, ATB’s EFT Service is a
powerful tool for executing payables and receivables within Canada. There are three basic ways to use ATB’s EFT service:
3. Create an EFT file within ATB Online Business.
4. Import an EFT file created by your own system or software. The software must format the file to the standard 1464
CPA file format. Please see appendix for file details.
5. Import an EFT file created by ATB’s EFT Editor, our own stand-alone application.
It is your decision as to which file format and process works best for your business. ATB highly recommends using the
Canadian Payments Association’s (CPA) standard 1464 byte file format.
Once the file has been created in or imported into ATB Online Business, you will then release the prepared file into
workflow. After any necessary approvals, the procedure for ATB Financial to process the credits and debits contained in
the file starts.
ATB Online Business also offers email alerts with its EFT service. Email alerts are designed to enhance the value of using
the EFT service. Alerts that can be set up to enhance the EFT service are:
1. Approval Alert
This feature allows subscribed Users to be notified by email if an EFT file has been released in ATB Online Business
but requires one or more approvals from an ATB Online Business User(s) prior to ATB processing the file.
2. EFT Return Alert
This feature allows subscribed Users to be notified by email once an EFT item has been returned and posted to
the account. This alert rule must be setup by the Administrator before a User can subscribe.
Contact Us:
• Business & Agriculture customers, call the EFT Help Desk at 1-877-506-0040
• Corporate Financial Services clients, call Cash Management Support at 1-877-363-4855]
Funding EFT Files
ATB’s EFT Service offers two ways to govern the funding limits of credit items (outgoing EFT payments) for your EFT
service: Liquidity Limit and Exchange Funding.
1. Liquidity Limit
Your liquidity limit must be approved by ATB Financial and is set in ATB’s internal system when your EFT service is implemented. It defines a maximum total dollar amount for your company’s outgoing credit items for any given due date.
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The liquidity limit is set by currency. This means there is one liquidity limit for CAD EFT’s and one for USD EFT’s. Your
company’s liquidity limit applies to all your company’s Users collectively. Any EFT files that exceed the available liquidity
balance are rejected and must be released again. Please ensure you view the EFT History page 10 minutes after releasing the
file to ATB for processing to check the status of the file.
The liquidity limit is enforced starting two business days prior to your items’ due dates and carries forward until the due
date plus two business days. The amount carried forward is subsequently released at the end of the business day on the
due date and your available liquidity balance is replenished accordingly.
You can view your available liquidity balance in ATB Online Business on the Create EFT Payments page to see how much
room, in both CAD and USD, remains per day. The default display is seven consecutive days; however you can also view
additional dates into the future by clicking on the “next 7 days” link at the bottom of the page.
2. Exchange Funding
The Exchange Funding option is for clients who do not have a liquidity limit. A hold is placed on your EFT funding account equal to the value of the outbound credit items in your EFT file. This hold is placed up to three business days before
the due date. If funds are not available when the hold is initiated, the file will be rejected. It is recommended that you
have funds available in your funding account before the file is uploaded or at least 3 business days before the due date.
Holding funds affects the available balance on the funding account but does not affect applicable interest calculations
on your surplus funds.
Limits
ATB Online Business uses a secure and intricate system of limits to govern EFT file transactions. These limits are in place
for risk management purposes, given that EFTs allow a transfer of funds from your company account to any account in
Canada. In creating and assigning roles that use the EFT service, your company’s Administrator must consider all the
limits described below.
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1. File Limits
ATB Online Business has two basic tiers of file limits:
1.
Business-level limits are set in ATB’s internal system. These limits can only be accessed by authorized ATB
personnel and are set by ATB in consultation with your Administrator. Business-level limits are the highestlevel limits within ATB Online Business and cannot be exceeded.
2.
Role-level limits are set within ATB Online Business by your company’s Administrator in the process of creating and managing roles. The Administrator can place dollar limits on certain file types including salaries,
mixed, payables and receivables.
Each of the following limits is set separately at the business-level and the role-level:
•
Debit file limit – The total maximum dollar amount that your debit transactions can be in one EFT file.
•
Debit daily limit – The total maximum dollar amount that your debit transactions can be for all EFT files in
one given business day.
•
Credit file limit – The total maximum dollar amount that your credit transactions can be in one EFT file.
•
Credit daily limit – The total maximum dollar amount that your credit transactions can be for all EFT files in
one given business day.
If there is no limit set for a particular role it defaults to the business-level limit.
2. Limits and Currencies
In ATB Online Business, business-level and role-level limits are in the currency of the originating EFT. This means
that if the originating EFT file is in CAD, the limit is in CAD. If the originating EFT file is in USD, the limit is in USD.
Example:
If the business-level limit is $5,000, the company has a C$5,000 or US$5,000 limit depending on the currency
of the EFT file.
If a User’s role-level limit is $1,000, the User can release a file with a maximum of C$1,000 orUS$1,000, depending on the currency of the EFT file.
For daily limits, ATB Online Business calculates the total in either CAD or USD, based on the originating EFT currency, and compares that total to the limit. Having both CAD and USD EFTs effectively doubles your company’s
daily file limit.
Example:
If the business-level daily limit is $1 million; the company has a C$1 million daily limit and a US$1 million
daily limit.
If a User’s role-level daily limit is $1,000; the User has a C$1,000 daily limit and a US$1,000 daily limit.
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Workflow Approval Setup
Workflow Approval is an entitlement that is granted in the setup of a role by your Company’s Administrator. The role is
then linked to a User that your Company Administrator has assigned to access functionality within ATB Online (in this
case ATB’s EFT service).
To create a new Role:
1. On the Administration tab menu, click Manage Roles.
2. Click Add a new role.
3. Type a name and a description for the role.
4. (Optional) To copy the entitlements associated with an existing role, which you can then edit, select a role from the
Copy from Role list, and then click Copy.
5. For each account in the Account Access table, select the accounts and services that you want users with this role to
have access to.
6. Click Next to go to the Role Details page.
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7. Enter the limits and approval authorizations and requirements for the services that this role has access to. (**Please
see the workflow approval section directly below for full details of Limits and authorizations**)
8. Click Save Role.
9. Verify the entitlements you have assigned to the role and click Save Role to confirm.
You will see a message confirming that the role has been created successfully.
Workflow Approval
ATB Online Business supports your internal company workflow through a system of approvals. Each role has one of the
following approval settings for each type of file (salaries, mixed, receivables, payables):
• Deny – Any file that exceeds a specified dollar amount is denied. Any file below that dollar amount is allowed.
• No Approval Required – User does not require any secondary approval and would not have a file limit.
• The User is only subject to the business-level file and daily limits.
• Single Approval Required – Any file that exceeds a specified dollar amount must be approved by one other User with
approval rights. Any file below the specified dollar amount does not require approval.
• Dual Approval Required – Any file that exceeds the specified dollar amount must be approved by two different Users
with approval rights. Any file below the specified dollar amount does not require approval.
A User cannot approve a file that he or she has released into workflow or a file they have already approved. Also, EFT files
must be approved within specific time limits. Any EFT file awaiting approval will expire 60 days after the file creation,
which is the date the file was imported or created in ATB Online Business.
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Example:
Users at your company are assigned to roles subject to the following EFT limits and approval criteria:
Role Name:
Daily limit:
File limit:
Approval:
EFTTester1
$500
$200
Single Approval Required
Role Name:
Daily limit:
File limit:
Approval:
EFTTester2
No Approval Requir
Dollar Amount of File
Amount Is
Result
$100
• within daily limit of $500
No approval required
• within file limit of $200
$300
within daily limit of $500
Single approval required
• over file limit of $200
$600
over daily limit of $500
Single approval required
To see a step-by-step illustration of Workflow Approval, please refer to page 18.
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EFT Return Alert
The EFT Service also has the option of using the EFT Alert service. This service will send an email to all subscribed Users of this alert in the event that an EFT Return that has been posted to the account. There are two parts to having EFT
Return Alerts available to your users.
• Your Company Administrator must Add the Alert Rule to your ATB Online Business profile.
• The User(s) that wish to receive the alert email must subscribe to the Alert once it has been added.
Creating the Alert
1. The Alert Rule must be added into ATB Online by your Company’s Administrator in the Add Alerts section within
the Administration Tab.
2. Select the account that you would like the EFT Return Rule to be associated with.
3. Click Next.
4. Review the alert details and click Add Alert.
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5. A confirmation message will appear.
**For a detailed description on all alerts offered and the process to Create, Edit and Deleting Alerts, please see the ATB Online
Business Administrator User Guide**
Subscribing to the Alert
In order for a User to receive the EFT Return Alert, the User with the appropriate Alerts Entitlement must go-to the Alerts
Tab and subscribe.
1. On the Alerts tab click Add Alert.
2. Click EFT Returns.
3. Select the account that you would like to be notified on.
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4. Click Next.
5. Click Add Alert.
**For a detailed description on all alerts offered and the process to Create, Edit and Delete Alerts, please see the ATB Online
Business General User Guide.**
User procedures
Managing EFTs
To use ATB’s EFT service you will either create EFT files manually in ATB Online Business, or create them using your own
software (or ATB’s EFT Editor) and import them into ATB Online Business. You will then release the prepared files into the
ATB Online Business workflow approval. Each file can contain up to 3,500 credit and/or debit items, with all the information that ATB needs to process these items.
Note: For CAD EFT files, the file must be submitted to ATB by 12:00 MST the business day before the earliest transaction due date in the EFT file. For USD EFT files, the EFT file must be received by ATB before 12:00 MST two business days
before the earliest transaction due date in the EFT file.
We strongly recommend that you ensure any workflow approvals you have set-up for your EFT service are actioned so that ATB receives the EFT file two business days before the earliest transaction due date in the EFT file.
This will allow ATB time to process the files and assist you with any problems that may arise.
Create an EFT File Manually in ATB Online Business
1. On the EFT tab menu, click Create EFT.
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2. In the File Type list, click Mixed, Salaries, Receivables, or Payables.
See Appendix J for more information on file types.
3. Click Create EFT File manually.
4. Check the liquidity balance to make sure that the credit items in the file you are creating will not exceed the remaining balance available for each due date.
5. Click Next.
6. In the EFT ID list, select the applicable EFT ID.
7. Enter the details for each credit and debit item you want to include in the file.
You can use the Originator’s Sundry Information box to further identify your transactions (for example, by pay
period, dividend issue, or billing period). See Appendix D for a list of transaction types.
8. Do one of the following:
•
If the EFT file is complete and you want to release it into workflow, click Release.
•
If the EFT file is not complete and you want to make further additions or changes later on,
click Save EFT File.
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Create an EFT File from a Template in ATB Online Business
In ATB Online Business, you can create, save, and reuse templates for EFT files. This is a convenient option for EFT files
that need to be sent out regularly and require little rework in order to be ready for processing.
1. On the EFT tab menu, click Create EFT.
2. In the File Type list, click Mixed, Salaries, Receivables, or Payables.
See Appendix J for more information on file types.
3. Click Create EFT file from a template.
4. In the Select Template list, click the template you want to use.
5. Check the liquidity balance to make sure that the credit items in the file you are creating will not exceed the remaining balance available for each due date.
6. Click Next.
The information from the template you selected will be displayed.
7. Update the amount, due date, and sundry data (required fields) for each payment and then do one of the following:
•
If the EFT file is complete and you want to release it into workflow, click Release.
•
If the EFT file is not complete and you want to make further additions or changes later on, click Save EFT
File.
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Create an EFT File Using ATB’s EFT Editor
For more detailed instructions on any of the following steps, see the EFT Editor User Guide, available by clicking the help
link at the top right corner within ATB Online Business.
1. Download the EFT Editor (if you have not done so already) from the same help link.
2. Follow the instructions on your screen to complete the download.
3. Double-click the file to start the installation.
When the installation is complete, the EFT Editor will open.
4. In the EFT number field, type the 5-digit EFT ID provided to you by ATB.
5. Type your company name.
6. Type a file creation number.
We recommend using the number 0001 for your first file.
7. To add a new transaction record, click the box under the Type heading.
8. Enter the details of the transaction: type (debit or credit), transaction code (applicable CPA code), due date, amount,
receiver name (do not include special characters, this will cause the file to fail to import), bank number, branch
number, account number (these 3 fields are found at the bottom of a receiver’s cheque), and any cross-reference
information (for example, employee #or policy #).
9. Save the file to your destination folder on your computer or company’s server. It is now available for import in to
ATB Online Business.
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Import an EFT File
You can import an EFT file into ATB Online Business from files created using ATB’s EFT Editor or from your own software.
Many accounting or treasury software vendors have the ability to create EFT files that can be used in ATB Online Business. You will need to refer to your software’s user guide or contact your software vendor directly to confirm. You must
create the file and save it to your computer before you import the file into ATB Online Business.
The receiver name cannot include special characters; this will cause the file to fail to import. See Appendix A for more
information about the different file formats used in ATB Online Business.
To import a file:
1. On the EFT tab menu, click Import Files.
2. Click one of the following file formats:
•
96-Byte if you created the file using ATB’s EFT Editor
•
1464-Byte if you created the file using your company’s software
•
CSV if the file is a comma separated value file (commonly created using Excel)
3. If you want to add the receiver details in the imported file to your saved list of receivers in ATB Online Business,
click Yes.
4. Click Browse to search your computer for the file you want to import, and then click Open.
5. Type a description of the file (for example, Payroll).
6. Click Import File.
Note: If you are importing a CSV file, once the CSV file format is selected a menu of field options will appear on the
screen. Please ensure that the order of the fields correlate to the field positions in the file that is being imported.
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When importing EFT files, especially those with a high amount of items, the User will see the following message:
Shortly, the message above will disappear and a blue status window will appear on the bottom right hand corner of the
screen.
The user can navigate away from the EFT Import screen to perform any other actions on the ATB Online Business
platform, such as viewing account history, making a payment, etc. The blue status window will persist throughout the
platform. The user can also logout of their session without interrupting the import process.
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For example, in the screenshot below, the user is viewing their Bill Payment History, and the EFT import status window
continues to be visible.
Once the import process is complete, the user will see a green successful import confirmation window as per below.
Clicking the button “View Details” will transfer you to the screen with all prepared EFT files that are ready to be released.
Click the “Close” button to close the status window.
If there are any errors during the import process, a red status window will appear on the bottom right hand corner.
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Click “View Error Details” to see a list of errors for the file you were attempting to import.
Important: Once a user navigates away from this page, they cannot navigate back. As a best practice, ATB strongly
recommends capturing the information from this screen before navigating away. This can be done by clicking “Print
Preview” in the top right corner, using a screen capture process or simply writing down the information.
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View Imported EFT Files
To view imported files or to see whether a file was imported successfully:
1. On the EFT tab menu, click Imported Files.
2. Enter the EFT file ID (optional), the file status, and the date range for the period you want to search, and then click
Search.
3. In the EFT File column, click the number of the file you want to view.
The file details will be displayed.
4. (Optional) To view transactions in the file only for a specific employee, type the employee’s name and
click Search.
5. (Optional) To download the file in comma-separated value (CSV) format onto your computer, click
Download.
6. If successful, your imported file will now appear in your Prepared Files tab awaiting your release into
workflow approval. Once released in to workflow, if no workflow approval is setup, the file is submitted
to ATB for processing.
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Edit an EFT File
Prepared files are EFT files that you have created or imported in to ATB Online Business that are ready or almost ready to
be released into workflow. You can edit prepared files and save the changes before release.
1. On the EFT tab menu, click Prepared Files.
2. In the EFT File column, click the number of the file you want to edit.
The file details will be displayed.
3. Depending what kind of change you want to make, do one or more of the following:
•
Click Edit EFT File Header.
•
Click Add Transaction.
•
Enter a default due date and click Apply & Save EFT File.
•
To edit or delete a specific transaction within the EFT file, in the Actions column click Edit or Delete.
4. When you have made all the required changes, do one of the following:
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•
Click Save As Template.
•
If you want to save changes but not save the file as a template, click Save EFT File.
•
If you are ready to release the file into workflow, click Release EFT File.
Release an EFT File
When you release a prepared file it moves into the ATB Online Business workflow for approval. If no approval is required,
the file is immediately submitted to ATB for processing.
Note: We strongly recommend that whenever possible, you ensure that any workflow approvals you have set-up for EFT
are actioned so that ATB receives the files two business days before the due date. This will allow ATB time to process the
files and assist you with any problems that may arise.
Always check the EFT History page for confirmation of successful actions.
1. On the EFT tab menu, click Prepared Files.
2. Next to the EFT file number, click Release.
•
If no approval is required, the file will be submitted for processing.
•
If approval is required, the file will enter the approval workflow. If it is approved by the authorized User(s), it
will be submitted for processing.
To see the status of a file that requires a workflow approval, click Pending Files Summary on the EFT tab menu.
Upon releasing an EFT file you will see a confirmation message “EFT File Number 1234 has been submitted for release.
Please check EFT History to confirm file status”.
If you are releasing a large EFT file, your file will appear in the EFT History with the status Submitted and no Payment
Order number associated with it. Please check the History page to ensure the system consumed your file and assigned a
Payment Order number to it.
Until the release is complete EFT History page will list EFT file with the status Submitted and no Payment Order associated with it.
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As soon as the release is finalized, you will see the Payment Order value populate for the file you submitted on
History page.
EFT
Workflow Approval
Any EFT file that is released will be automatically placed into Workflow Approval before being submitted to ATB for processing. If no approval is required, it will be submitted to ATB for processing after 5-10 minutes. If additional approvals
are required, subsequent authorized Users will need to log into ATB Online Business to review and approve the file.
Example: A company’s Administrator has created two roles and assigned a User to each role:
Role Name
Approver
Approval Required Daily Limit*
File Limit*
EFTTester1
Yes
Single Approval
Required
$500
$200
EFT Approver1
Yes
No Approval Required
-
-
*A User assigned to a role with Approver entitlement does not need to have a daily or file limit.
1. EFTTester1 releases an EFT file for $300.00. Based on EFTTester1’s role this file will require additional approval
as it is over the role’s $200 file limit. EFTTester1 receives a message stating the file “has been accepted and sent
for approval”.
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2. When the other user logs into ATB Online Business, they will see “Item Awaiting Approval” when viewing the ATB
Online Business homepage and can click the link to view the file summary. Or, if already in the EFT module, EFT Approver1 can click directly on the “pending files summary” link under the EFT tab.
3.If
EFT Approver1 approves the file, the file is sent to ATB for review and processing. If EFT Approver1 rejects the file,
the file is cancelled.
Note: For Dual Approval, the same process applies except the approval needs to be received from two different
Users. As always, please check the EFT History page to ensure the successful processing of your EFT File.
Important note: The successful EFT file release status window will be presented to the user who initiated the release (not to the approver). Status window will persist on log off and log on, i.e. it will be presented on ATB Online
Business in each session until it is dismissed.
Delete an EFT File
1. On the EFT tab menu, click Prepared Files.
2. In the EFT File column, click the number of the file you want to delete.
3. Click Delete EFT File.
View pending EFT Files
Pending files are EFT files that have been released but that ATB has not yet begun processing. Files can be pending for
two reasons:
1. The file exceeds a specified dollar limit for the User who released the file, so the file is awaiting approval from a User
with approval entitlements.
2. The file was released into workflow between internal system batches and will enter processing with the next batch
in approximately 5-10 minutes.
When a file is no longer pending, you will be able to see its status on the EFT History page.
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To view a pending EFT file:
1. On the EFT tab menu, click Pending Files Summary.
2. (Optional) Customize the EFT files displayed by changing file type, funding account, originator, or status to
meet your requirements.
3. Click Search.
View EFT File History
The EFT History page displays all EFT files submitted by your company. This includes files that were successfully submitted to ATB for processing and those files that were not processed because the transaction was rejected in the approval
workflow, the approval time expired, liquidity limit excesses, or the file was recalled before being sent for processing.
To view an EFT file history:
1. On the EFT tab menu, click EFT History.
2. You can limit the files that are displayed by type, funding account, originator, or status.
Note: The search defaults to displaying all the files that your company has created within the last
30 days, including today’s date.
3. Click Search.
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4. To see individual item details or to attempt to recall/reverse the file or specific items in the file, click the EFT ID
of the file.
5. Once a particular EFT ID is selected, you can view the file status and any reasons for the file if it was rejected.
Download EFT File
The EFT History page displays all EFT files submitted by your company. This includes the ability to download each
file into CSV format.
To download an EFT file.
1.
On the EFT tab menu, click EFT History.
2.
Select the EFT ID on the specific file you want to download.
3.
Click on the download button. A status pop-up will confirm the download progress.
4. Once the download data is retrieved from ATB, the pop-up status will show its readiness
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2.
Proceed to open or save the file per you browser settings
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Recall or Reverse an EFT
If your company has released a file that needs to be recalled, you may be able to recall or reverse some or all of the transactions in the file.
1. On the EFT tab menu, click EFT History.
2. Enter the details of the file you want to recall or reverse.
3. In the EFT File column, click the number of the file.
4. Depending on the status of the file, you can either Recall the entire file (Click Recall File) or if the file has started
processing, you can have ATB attempt to recall and reverse all eligible items in the file (Click Recall/Reverse File).
Alternatively, you can select to recall or reverse individual items within the file by selecting the corresponding
check-box next to each item, then click the Process Selected Items button.
You will see a Recall or Reverse check-box next to any transaction that can be recalled or reversed. If no checkbox appears next to a transaction, that transaction cannot be recalled or reversed.
Trace an EFT Payment
Trace requests must be submitted manually to ATB. Before calling ATB to request a trace, please gather the following
information so we can assist you more efficiently:
• EFT ID
• EFT payment order number (as displayed in ATB Online Business)
• Due date of the specific transaction(s)
• Name of the receiver of the payment
• Dollar amount of the payment
When you have this information in hand, contact us:
• Business & Agriculture customers, call the EFT Help Desk @ 1-877-506-0040
• Corporate Financial Services customers, call Cash Management Support @ 1-877-363-4855
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View EFT Returns or Notices of Change
An EFT item has the status of “returned” if the money was never received by the payee. For each item that is returned,
ATB Online Business will present the reason for the return.
A notice of change (NOC) allows other financial institutions to inform us of changes to receiver account information (for
example, if the branch or account number has changed). If we receive an NOC, ATB Online Business will show you the old
account information and the new account information.
To view returns or notices of change:
1. On the EFT tab menu, click Returns/NOC.
2. Enter the details of the returns or notices of change you want to see and click Search.
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Dowload EFT Returns/NOC Details
For each item that is returned, ATB Online Business will present the reason for the return. This includes the ability to
download the summary details in CSV format.
To download EFT Returns details:
1.
On the EFT tab menu, click EFT Returns/NOC.
2.
Create your search parameters and click search.
3.
Click on the download button. A status pop-up will confirm the download progress.
4.
Once the download data is retrieved from ATB, the pop-up status will show its readiness.
5.
Proceed to open or save the file per your browser settings.
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Represent an EFT Return
The Canadian Payments Association (CPA) allows certain EFT pre-authorized debit (PAD) returns to be represented within
30 days of the return date. If a return meets the representment criteria, a Represent button will be displayed on the corresponding EFT Return details page allowing you to resend the EFT item for the same amount. You are only allowed to
represent an item once and it must be for the same amount as the original transaction.
The representment criteria for an EFT item are as follows:
• Item must be a pre-authorized debit (PAD).
• Return Reason code must be Non-Sufficient Funds (NSF) or Funds Not Cleared.
• Representment must occur within 30 days from return date.
• Item must not have previously been represented.
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Managing Receivers
In order to create an EFT File through ATB Online Business, you need to first Create Receivers in the Manage Receivers
tab. Manage Receivers allows you to change the details of the various receivers that you created in ATB Online Business.
In Manage Receivers you can add, edit, and delete details about a receiver (name, bank account info, type of receiver,
etc.). You will use this information when creating EFT files manually or when creating EFT templates.
Add a Receiver
1. On the EFT tab menu, click Manage Receivers.
2. Click Add Receiver.
3. Fill in the receiver’s details.
See Appendix J for information on receiver types.
4. Click Next.
5. Review the receiver’s details and click Add Receiver
6. A verification screen will appear for you to finalize your action.
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Edit a Receiver
1. On the EFT tab menu, click Manage Receivers.
2. Click the name of the receiver whose information you want to edit.
3. Update the information as required and click Next.
4. Review the changes and click Confirm.
Delete a Receiver
5. On the EFT tab menu, click Manage Receivers.
6. To the right of the receiver you want to delete, click the
symbol.
7. Click Confirm to confirm that you want to delete the receiver.
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Managing Templates
Templates allow you to save information for EFT files that need to be sent out regularly with only a few details changed.
Add a Template
1. On the EFT tab menu, click Maintain Templates.
2. Click Add a New Template.
3. Click the type of template you want to create (Salaries, Payables, Receivables, or Mixed), and then click Next.
See Appendix J for more information on file types.
4. Enter the template details.
See Appendix D for a list of transaction types.
5. When the template is complete, click Save Template.
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Edit a Template
Within an existing template, you can edit the header, edit specific transactions, add a transaction, and change dollar
amounts.
1. On the EFT tab menu, click Maintain Templates.
2. In the Template Name column, click the template you want to view or edit.
3. Depending what kind of change you want to make, do one or more of the following:
•
Click Edit EFT File Header.
•
Click Add Transaction. (See the following procedure “Add a Transaction to an Existing Template” for more
detail.)
•
In the Amount column, type new dollar amounts.
•
To edit or delete a specific transaction within the template, in the Actions column, click Edit or Delete.
4. When you have made all the required changes, click Save Template.
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Add a Transaction to an Existing EFT Template
1. On the EFT tab menu, click Maintain Templates.
2. In the Template Name column, click the template you want to view or edit.
3. Click Save Transaction.
4. Fill in the receiver and transaction details.
See Appendix D for a list of transaction types.
5. Click Save Transaction.
Delete a Template
1. On the EFT tab menu, click Maintain Templates.
2. To the right of the template you want to delete, click the
symbol.
3. Click Confirm to delete the receiver.
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Administrator procedures
Authorizing a Role for ATB’s EFT Service
Note: For instructions on creating a role, see the Administrator User Guide.
1. On the Administration tab menu, click Manage Roles.
2. Click the role you want to authorize for EFT.
3. In the Account Access table, select the Banking Services, EFT, and EFT Returns check boxes for the appropriate
accounts.
4. Click Next to go to the Role Details screen.
5. To allow this role to add, edit, and delete receiver information, select the Maintain Receivers check box.
6. To allow this role to originate or release specific types of EFTs, or to manage EFT templates, select the corresponding
check box(s).
7. To allow this role to approve actions made by another User, select the Approve box.
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8. If you are allowing a role to approve EFT files, select one of the following options in the Approval column:
•
Deny – Any file that exceeds a specified dollar amount is denied. Any file below that dollar amount is allowed.
•
No Approval Required – User does not require any secondary approval and would not have a file limit. The
User is only limited by the business-level file and daily limits.
•
Single Approval Required – Any file that exceeds a specified dollar amount must be approved by one other
User with approval rights. Any file below the specified dollar amount does not require approval.
•
Dual Approval Required – Any file that exceeds the specified dollar amount must be approved by two different Users with approval rights. Any file below the specified dollar amount does not require approval.
Note: If you want to require approval for every transaction, regardless of amount, you must set the transaction
limit to $0.00. If you leave the Transaction Limit box blank, the limit will default to the business-level limit.
9. Click Save Role.
Contact Us
If you have questions about your EFT service or ATB Online Business, please call us:
• Business & Agriculture customers, call the EFT Help Desk @ 1-877-506-0040
• Corporate Financial Services clients, call Cash Management Support @ 1-877-363-4855
General User Guide
38
Appendix A – EFT file formats
CPA 1464 Byte File Format
The CPA (Canadian Payments Association) Format for Electronic Funds Transfer is the standard format used by most financial institutions in Canada. ATB Financial has structured its Electronic Funds Transfer (EFT) system to allow customers
to use both CPA format and 96 Byte (ATB) format. If you are using software other than ATB’s EFT Editor to create your files,
they should be generated in CPA format.
Logical Record Types
CPA 1464 format uses 4 record types:
1. Logical Record Type A – provides the file identification and control information and must be the first logical record
in each file.
2. Logical Record Type C – records Direct Deposit Credit data.
3. Logical Record Type D – records Pre-Authorized Debit Data.
4. Logical Record Type Z – provides control totals and must be the last logical record in each file.
Logical Records Composition
All files must contain a Logical Record Type (A) and a Logical Record Type (Z).
With the exception of control records (A and Z), each logical record (C) or (D) should contain the information necessary
to describe 1-6 transactions. The space required to record the pertinent data for any one transaction must be contained
in a single segment of a logical record. While a logical record may contain more than one segment, all segments in the
record should have the same length and format.
In a logical record where one or more of the segments is not needed, the unused segments should be initialized entirely
to spaces. If a blank segment is encountered in a logical record, all subsequent segments in that same record must be
left blank.
General User Guide
39
1464 Byte Logical Record Types in Detail
Logical Record Type A (Header Record)
Type (A) logical record must provide file identification and control information. The first logical record in each file must
be Type (A), and this type must not occur again within the file. All data elements are mandatory and must be valid, or the
file will be rejected.
Logical Record Type 'A' (Header Record)
Data
Element
Character
Position
Data Element
Size
Contents
Format
Data Element Name
1
1
1
A
Alphanumeric
Logical Record Type ID
2
2-10
9
000000001
Numeric
Logical Record Count (fixed length, right
justified with leading zeros)
3
11-20
10
21990EEEEE
Alphanumeric
Originators ID (21990 = ATB Data Centre, E
= EFT ID Number)
4
21-24
4
Numeric
File Creation Number (fixed length, right
justified with leading zeros)
5
25-30
6
Numeric
Creation Date (Julian)
6
31-35
5
Numeric
Destination Data Centre (fixed length,
right justified with leading zeros)
7
36-55
20
Alphanumeric
Space Filled
8
56-58
3
Alphanumeric
Currency Code Indicator (CAD or USD)
9
59-1464
1406
Alphanumeric
Space Filled
21990
Logical Record Type C (Detail Record)
Type (C) logical record provides direct deposit data. Each record contains record identification (bytes 1-24) and a maximum of six transaction segments. Each segment describes one direct deposit item (240 bytes each).
Logical Record Type D (Detail Record)
Type (D) logical record provides pre-authorised debit data. Each record contains record identification (bytes 1-24) and a
maximum of six transaction segments. Each segment describes one pre-authorised debit item (240 bytes each).
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Logical Record Type 'C' and/or ‘D’ (Detail Record)
Data
Element
Character
Position
Data Element Size
Contents
Format
Data Element Name
1
1
1
C or D
Alphanumeric
Logical Record Type ID
2
2-10
9
Numeric
Logical Record Count (fixed length, right
justified with leading zeros)
3
11-24
14
Alphanumeric
Origination Control Data (21990 = ATB
Data Centre, E = EFT ID Number, F = File
Creation Number)
4
25-27
3
Numeric
Transaction Type (CPA Code, fixed length)
5
28-37
10
Numeric
Amount (2 implied decimals, fixed length,
right justified with leading zeros)
6
38-43
6
Numeric
Date Funds to be Available (Julian)
7
44-52
9
Numeric
Payor/Payee Institutional ID Number (I =
Institution Number, T = Transit Number)
(fixed length)
8
53-64
12
Alphanumeric
Payor/Payee Account Number (left justified, remainder is space filled)
9
65-86
22
219921990FFFF
EEEEEIIII
Numeric
Item Trace Number (2199 = Direct Clearer
ID, 21990 = ATB Data Centre, F = File
Creation Number, E = EFT ID Number, I =
Sequential Number of items in File) (zero
filled, fixed length, ATB does not validate
data in this field)
10
87-89
3
000
Numeric
Stored Transaction Type (zero filled, fixed
length)
11
90-104
15
Alphanumeric
Originators Short Name (left justified,
remainder is space filled)
12
105-134
30
Alphanumeric
Payor/Payee Name (left justified, remainder is space filled)
13
135-164
30
Alphanumeric
Originators Long Name (left justified,
remainder is space filled)
14
165-174
10
Alphanumeric
Originating Direct Clearers User ID (space
filled)
15
175-193
19
Alphanumeric
Originators Cross Reference Number (left
justified, remainder is space filled)
16
194-202
9
Numeric
Institutional ID Number for Returns (T =
Transit Number) (fixed length)
17
203-214
12
Alphanumeric
Account Number for Returns (left justified,
remainder is space filled)
18
215-229
15
Alphanumeric
Originator's Sundry Information (left justified, remainder is space filled)
21990EEEEEFFF
0IIITTTTT
0219TTTTT
General User Guide
41
19
230-251
22
Alphanumeric
Space Filled
20
252-253
2
Alphanumeric
Originator Direct Clearer Settlement Code
(space filled)
21
254-264*
11
Numeric
Invalid Data Element ID (zero filled, fixed
length)
00000000000
*Segments 2 though 6 (Same format as Segment One).
Element numbers 4 through 21 above are repeated for each additional segment. Contains 5 further deposit segments
of 240 bytes each.
Any unused segments, resulting from non-use of a full record, are to be Space Filled. A segment containing data may
not follow a blank segment within the same record.
Each segment within a Detail Record must contain the same Logical Record Type ID (C or D).
265-1464
Logical Record Type Z (Trailer Record)
Type (Z) logical record provides control totals independent of those contained in external labels. The last logical record
in each data file must be Type (Z).
Logical Record Type ‘Z’ (Trailer Record)
Data
Element
Character
Position
Data Element Size
Contents
Format
Data Element Name
1
1
1
Z
Alphanumeric
Logical Record Type ID
2
2-10
9
Numeric
Logical Record Count (fixed length, right
justified with leading zeros)
3
11-24
14
Alphanumeric
Originators ID (21990 = ATB Data Centre,
E = EFT ID Number, F = File Creation
Number)
4
25-38
14
Numeric
Total Value of Debit Transactions (2 implied decimals, fixed length, right justified
with leading zeros)
5
39-46
8
Numeric
Total Number of Debit Transactions (fixed
length, right justified with leading zeros)
6
47-60
14
Numeric
Total Value of Credit Transactions (2 implied decimals, fixed length, right justified
with leading zeros)
7
61-68
8
Numeric
Total Number of Credit Transactions (fixed
length, right justified with leading zeros)
8
69-1464
1396
Alphanumeric
Space Filled
21990EEEEEFFFF
General User Guide
42
ATB Financial has developed a 96 byte format for Electronic Funds Transfers which is a simplified version of the CPA
(Canadian Payments Association) format. The information below is listed as it appears in your file. ATB has created an EFT
Editor tool that will create 96 byte files for you. Refer to the ATB Online Business - EFT Editor User Guide for details and
instructions.
Logical Record Types
ATB 96 Byte format uses 4 record types:
1. Logical Record Type A – provides the file identification and control information and must be the first logical record
in each file.
2. Logical Record Type C – records Direct Deposit Credit data.
3. Logical Record Type D – records Pre-Authorized Debit Data.
4. Logical Record Type Z – provides control totals and must be the last logical record in each file.
Logical Records Composition
All files must contain a Logical Record Type (A) and a Logical Record Type (Z).
With the exception of control records (A and Z), each logical record (C) or (D) should contain the information necessary
to describe 1 transaction. The space required to record the pertinent data for any one transaction must be contained in a
single segment of a logical record. All segments in the record should have the same length and format.
General User Guide
43
96 Byte Logical Record Types in Detail
Logical Record Type A (Header Record)
Type (A) logical record must provide file identification and control information. The first logical record in each file must
be Type (A), and this type must not occur again within the file. All data elements are mandatory and must be valid, or the
file will be rejected.
Header Record (A)
Field Name
Character
Position
Data Element Size
Data
Length
Format Type
Comment
Transaction Type
01-01
1
1
Alphanumeric
A
EFT ID
02-06
9
5
Numeric
Customer Number Assigned by ATB (fixed
length)
Customer File
Number
07-10
14
4
Numeric
0001-9999 (fixed length, right justified
with leading zeros)
File Creation Date
11-16
14
6
Numeric
DDMMYY
Customer Long
Name
17-46
8
30
Alphanumeric
Customer Name (left justified, remainder is
space filled)
Currency Indicator 47-49
14
3
Alphanumeric
CAD or USD (fixed length)
Filler
8
47
Alphanumeric
Space Filled
50-96
Logical Record Type C (Detail Record)
Type (C) logical record provides direct deposit data. Each record contains record identification for 1 transaction segment.
Each record describes one direct deposit item (96 bytes each).
Logical Record Type D (Detail Record)
Type (D) logical record provides pre-authorised debit data. Each record contains record identification for 1 transaction
segment. Each record describes one pre-authorised debit item (96 bytes each).
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Detail Record (C or D)
Field Name
Character
Position
Data
Length
Format Type
Comment
Transaction Type
01-01
1
Alphanumeric
C or D
Transaction Code
02-04
3
Numeric
CPA Code
Due Date
05-10
6
Numeric
DDMMYY
Receiver Name
11-40
30
Alphanumeric
Payor/Payee Name (left justified, remainder is
space filled)
Receiver Bank
Number
41-43
3
Numeric
Institution Bank Number (fixed length)
Receiver Branch
Number
44-48
5
Numeric
Institution Branch Number (fixed length)
Receiver Account
Number
49-60
12
Alphanumeric
Account Number (left justified, remainder is space
filled)
Amount
61-70
10
Numeric
2 implied decimals (fixed length, right justified
with leading zeros)
Cross Reference
71-89
19
Alphanumeric
Left justified, remainder is space filled
Filler
90-96
7
Alphanumeric
Space Filled
Logical Record Type Z (Trailer Record)
Type (Z) logical record provides control totals independent of those contained in external labels. The last logical record
in each data file must be Type (Z).
Trailer Record (Z)
Transaction Type
Character Data
Position
Length
Format Type
Comment
EFT ID
01-01
1
Alphanumeric
Z
Customer File
Number
02-06
5
Numeric
Customer Number Assigned by ATB (fixed length)
File Creation Date
07-10
4
Numeric
0001-9999 (fixed length, right justified with leading zeros)
Total Debit Amount 11-16
6
Numeric
DDMMYY
Total Debit Count
17-30
14
Numeric
Total Value of Debit Transactions (2 implied decimals,
fixed length, right justified with leading zeros)
Total Credit
Amount
31-38
8
Numeric
Total Number of Debit Transactions (fixed length, right
justified with leading zeros)
Receiver Account
Number
39-52
14
Numeric
Total Value of Credit Transactions (2 implied decimals,
fixed length, right justified with leading zeros)
TotalCredit Count
53-60
8
Numeric
Total Number of Credit Transactions (fixed length,right
justified with leading zeros)
Filler
61-96
36
Alphanumeric
Space Filled
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ATB CSV File Format
The CSV File format is similar to the ATB 96 byte format except it only contains detail records (DR / CR records). There are
no header or trailer records. There is a default field order however you may change this using the “Field Order” pick list in
the import screen.
CSV File Layout Default Order
Field Name
Default
Order
Data Type
Maximum
Length
Contents
Comment
Debit / Credit
01-01
1
1
Alphanumeric
A
Indicator
1
AN
1
Required
C or D
Transaction Code
2
N
3
Required
CPA Code
Amount
3
N
10
Required
2 Implied Decimals
Due date
4
AN
6
Required
DDMMYY
Sundry Data
5
AN
15
Optional
ReceiverName
6
AN
30
Required
Cross Reference
7
AN
16
Optional
Receiver Bank
Number
8
AN
3
Required
Receiver Transit
Number
9
AN
5
Required
Receiver Account
Number
10
AN
12
Required
General User Guide
Five Digit Branch Transit Number (5 digits
are mandatory even if the transit begins
with a zero)
46
Appendix B – EFT file validations
CPA 1464 Byte File Validations
Under no circumstances should a line feed character be used to delimit records, either by itself or in conjunction with a
carriage return character. Each record length must be 1464 bytes in length.
Text file rules stipulate that:
1. Numeric fields must always:
•
be right justified with leading zeros
•
fixed lengths
2. Alphanumeric fields must always:
•
be left justified with the remainder space filled
Logical Record Type ‘A’ (Header Record)
Data Element
Name
Format
Position
Required or
Optional
Validations
Logical Record
Type ID
Alphanumeric
1
Required
Must be 'A' or file rejects.
Logical Record
Count
Numeric
2 – 10
Required
Must always be '000000001' or file rejects.
Originator’s ID
Numeric
11 – 20
Required
Data Centre# (5 digits, for ATB = 21990) + EFT ID (5
digits). The Data Centre # in the imported file must be
21990 otherwise the file rejects. The EFT ID provided
in the import file must be valid otherwise the file
rejects.
File Creation No.
Numeric
21 – 24
Required
Must be greater than 0000 or file rejects.
Creation Date
Numeric
25 – 30
Required
Must be Julian calendar date or file rejects.
Destination Data
Centre
Numeric
31 – 35
Required
Must be 21990 or file rejects.
Reserved Customer
Alphanumeric
36 – 55
Required
Must be space filled or file rejects.
Currency Code
Identifier
Alphanumeric
56 – 58
Required
Must be either CAD or USD or file rejects.
Filler
Alphanumeric
59-1464
Required
Must be space filled or file rejects.
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47
Logical Record Type ‘C’ and/or ‘D’ (Detail Record)
Data Element Name
Format
Position
Required or
Optional
Validations
Logical Record Type ID
Alphanumeric
1
Required
C or D or file rejects.
Logical Record Count
Numeric
2 – 10
Required
Must be sequential (one greater than the
previous record) or file rejects.
Origination Control Data
Numeric
11 – 24
Required
Data must match Header ‘A’ record or file
rejects. (21990 = ATB Data Centre, E = EFT ID
Number, F = File Creation Number).
Transaction Type
Numeric
25–27
Required
Must be a valid CPA code or item is returned.
Amount
Numeric
28–37
Required
Must be greater than $0 or item is returned.
Date Funds to be available/Due date
Numeric
38–43
Required
Must be Julian calendar date or item is returned.
Institutional Identification Number
Numeric
44–52
Required
Must be a valid Institution Number and Transit
Number (0IIITTTTT) or item is returned.
Payee/payer Account No.
Alphanumeric
53–64
Required
Must be alphanumeric or item is returned.
Item Trace No
Numeric
65–86
Required
Must have numeric values or be zero filled
otherwise the file is rejected.
Stored Transaction Type
Numeric
87–89
Required
Must be zero filled or item is returned.
Originators Short Name
Alphanumeric
90–104
Required
Must be alphanumeric or item is returned.
Payee/Payer Name
Alphanumeric
105–134
Required
Must be alphanumeric or item is returned.
Originators Long Name
Alphanumeric
135–164
Required
Must be alphanumeric or item is returned.
Originating Direct Clearers User’s ID
Alphanumeric
165–174
Optional
Must be alphanumeric or space filled otherwise item is returned.
Originators Cross Reference No.
Alphanumeric
175–193
Optional
Must be alphanumeric or space filled otherwise item is returned.
Institutional ID No. for
returns/Original Institutional Identification
Number
Numeric
194–202
Required
Must be 0219TTTTT or file rejects.
Account No. for returns/
AlphanuOriginal Account Number meric
203–214
Required
Must be alphanumeric or file is rejects.
Originators Sundry Information
Alphanumeric
215–229
Optional
Must be alphanumeric or space filled.
Filler
Alphanumeric
230–251
Optional
Must be space filled or file rejects.
Originator – Direct
Clearer Settlement Code
Alphanumeric
252–253
Optional
Must be alphanumeric or space filled otherwise item is returned.
Invalid Data Element ID
Numeric
254–264
Optional
Must be zero filled or file rejects.
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48
Logical Record Type ‘Z’ (Trailer Record)
Data Element Name
Format
Position
Required or
Optional
Validations
Logical Record Type ID
= 'Z'
Alphanumeric
1
Required
Must be Z or file is rejected.
Logical Record Count
Numeric
2 – 10
Required
Must be one greater than the previous ‘Record
Count' or file rejects.
Origination Control Data
Alphanumeric
11 – 24
Required
Data must match Header ‘A’ record or file
rejects. (21990 = ATB Data Centre, E = EFT ID
Number, F = File Creation Number).
Total Value of Debit
Transactions
Numeric
25 – 38
Required
Totals must be accurate or file rejects. Zero fill
if no transactions
Total Number debit
Transactions
Numeric
39 – 46
Required
Totals must be accurate or file rejects. Zero fill
if no transactions
Total Value of Credit
Transactions
Numeric
47 – 60
Required
Totals must be accurate or file rejects. Zero fill
if no transactions
Total Number of Credit
Transactions
Numeric
61 – 68
Required
Totals must be accurate or file rejects. Zero fill
if no transactions
Filler
Alphanumeric
69-1464
Required
Must be space filled or file rejects.
ATB 96 Byte File Validations
Under no circumstances should a line feed character be used to delimit records, either by itself or in conjunction with a
carriage return character. Each record length must be 96 bytes in length.
Text file rules stipulate that:
1. Numeric fields must always:
•
be right justified with leading zeros
•
fixed lengths
2. Alphanumeric fields must always:
•
be left justified with the remainder space filled
General User Guide
49
Header Record (A)
Field Name
Format
Position
Required or
Optional
Validations
Transaction Type
Alphanumeric
01-01
Required
Must be 'A' or file rejects.
EFT ID
Numeric
02-06
Required
Must be a valid EFT ID or file rejects.
Customer File
Number
Numeric
07-10
Required
Must be greater than 0 or file rejects.
File Creation Date
Numeric
11-16
Required
Must be a valid date format or file rejects.
Customer Long
Name
Alphanumeric
17-46
Optional
Must be alphanumeric or item is returned.
Currency Indicator Alphanumeric
47-49
Required
Must be either CAD or USD or file rejects.
Filler
Alphanumeric
50-96
Required
Must be space filled or file rejects.
Currency Code
Identifier
Alphanumeric
56 – 58
Required
Must be either CAD or USD or file rejects.
Filler
Alphanumeric
59-1464
Required
Must be space filled or file rejects.
Detail Record (C or D)
Field Name
Format
Position
Required or
Optional
Validations
Transaction Type
Alphanumeric
01-01
Required
Must be 'C' or 'D' or file rejects.
Transaction Code
Numeric
02-04
Required
Must be a valid CPA code or item is returned.
Due Date
Numeric
05-10
Required
Must be a valid date format or file rejects.
Receiver Name
Alphanumeric
11-40
Required
Must be alphanumeric or item is returned.
Receiver Bank
Number
Numeric
41-43
Required
Must be a valid Institution Number or item is returned.
Receiver Branch
Number
Numeric
44-48
Required
Must be a valid 5 digit Transit Number or item is
returned.
Receiver Account
Number
Numeric
49-60
Required
Must be alphanumeric or item is returned.
Amount
Numeric
61-70
Required
Must be greater than $0 with 2 implied decimals or
item is returned
Cross Reference
Alphanumeric
71-89
Optional
Must be alphanumeric or space filled otherwise item
is returned.
Filler
Alphanumeric
90-96
Required
Must be space filled or file rejects.
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50
Trailer Record (Z)
Field Name
Format
Position
Required or
Optional
Validations
Transaction Type
Alphanumeric
01-01
Required
Must be 'Z' or file rejects.
EFT ID
Numeric
02-06
Required
Customer Number Assigned by ATB and should
match Header record EFT ID or file rejects.
Customer File
Number
Numeric
07-10
Required
0001-9999 and should match Header record EFT ID or
file rejects.
File Creation Date
Numeric
11-16
Required
DDMMYY and should match Header record EFT ID or
file rejects.
Total Debit
Amount
Numeric
17-30
Required
Totals must be accurate or file rejects. Zero fill if no
transactions
Total Debit Count
Numeric
31-38
Required
Totals must be accurate or file rejects. Zero fill if no
transactions
Total Credit
Amount
Numeric
39-52
Required
Totals must be accurate or file rejects. Zero fill if no
transactions
Total Credit Count
Numeric
53-60
Required
Totals must be accurate or file rejects. Zero fill if no
transactions
Filler
Alphanumeric
61-96
Required
Must be space filled or file rejects.
General User Guide
51
ATB CSV File Validations
CSV file rules stipulate that:
1. All fields are Maximum Lengths
2. All fields are separated by a comma
Field Name
Format
Position
Required or
Optional
Validations
Debit / Credit
Indicator
Alphanumeric
1
Required
C or D or file rejects.
Transaction Code
Numeric
3
Required
Must be a valid CPA code or item is returned.
Amount
Numeric
10
Required
Must be greater than $0 with 2 implied decimals or
item is returned.
Due date
Alphanumeric
6
Required
Must be a valid date format or file rejects.
Sundry Data
Alphanumeric
15
Optional
Must be alphanumeric or space filled otherwise item
is returned.
Receiver Name
Alphanumeric
30
Required
Must be alphanumeric or item is returned.
Cross Reference
Alphanumeric
16
Optional
Must be alphanumeric or space filled otherwise item
is returned.
Receiver Bank
Number
Alphanumeric
3
Required
Must be a valid Bank Number and 3 digits or item is
returned.
Receiver Transit
Number
Alphanumeric
5
Required
Must be a valid Transit Number and 5 digits or item is
returned.
Receiver Account
Number
Alphanumeric
12
Required
Must be alphanumeric or item is returned.
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Appendix C – EFT file and item status
File Level Status Descriptions
File Status
Description
Preparing
Newly create file hasn’t been Released yet. Work in Process at this stage. Displays in Prepared
screen.
Scheduled
File to be released in sequencing order.
Cancelled
When you delete a file in the Prepared files screen, it’s given a status of “Cancelled” and the file is
not submitted for processing. You can view the summary and detail information in the EFT History screen.
Pending Approval
File has been released and is in the approval workflow process. Display only in Pending screen.
Approval Failed
(due to Approval
Expired)
In the approval workflow, the file expired (we expire files after 2 months). Displays in History
screen.
Approval Failed
(due to Approval
Rejected)
In the approval workflow, the file was rejected by an approver. Displays in History screen.
Approved
File fully approved and waiting to be sent. Displays in Pending screen. Approved files are immediately put in a queue to be sent to the backend. Will rarely see this status since should only be 5
minutes in this status (queue).
Failed
File fully approved, tried to send for processing but has a submission error or other limiting factor.
Displays in History Summary screen with Status = Failed and when you drill down to see details,
the details screen displays “Failed – Error occurred submitting your file. Please contact ATB to
confirm receipt of file”.
Submitted
File fully approved, sent for processing, but payment order hasn’t been created yet. Displays in
History screen.
Awaiting Processing
File has been sent for processing and passed initial validation checks. Displays in History screen.
Processing
File has been received and some items have processed, but others are still waiting to be processed. Displays in History screen.
Processed
All items in the file have been processed by ATB either via sending the item to the external FI or
internally processing the EFT item request. Displays in History screen.
Rejected
File has been sent for processing and didn’t pass initial validation checks. Displays in History Summary screen with Status = Rejected and when you drill down, the details screen displays both
Status + Reason description.
Recalled
File was recalled by the customer when file was in the Awaiting Processing state and backend
could recall the entire file. Displays in History screen.
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53
Item Level Status Descriptions
File Status
Description
Processing
Item is waiting to be processed. Displays in History screen.
Processed
Item has been sent to Other FI or has been internally processed. Once an item has left ATB (been
exchanged) it’s considered processed. Displays in History screen.
Returned
Item has been returned. May have been returned due to User recalling the item, ATB internally
rejecting/returning the item or Other FI rejecting/returning the item. Displays in History screen
and Returns screens.
Reversed
Item has been reversed (User initiates this). Displays in History screen.
Represented
Item has been represented (User initiates this).
Recalled
Item has not left ATB or been internally processed and recall has been requested. Once completed, this item will eventually become a returned item. Displays in History screen.
Cancelled
File has been recalled or rejected, so items are Cancelled. Displays in History screen.
General User Guide
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Appendix D – CPA transaction codes
Item Level Codes
1
Payroll
200 Payroll Deposit PAY/PAY
201 Special Payroll
202 Vacation Payroll
203 Overtime Payroll
204 Advance Payroll
205 Commission Payroll
206 Bonus Payroll
207 Adjustment Payroll
2
Investments
230 Pension PEN/PEN
231 Federal Pension
232 Provincial Pension
233 Private Pension
240 Annuity ANN/REN
250 Dividend DIV/DVD
251 Common Dividend
252 Preferred Dividend
260 Investment INV/PLA
261 Mutual Funds MTF/FMU
265 Spousal RSP Contribution SRP/RDC
266 RESP Contribution REP/REE
271 RSP Contribution RSP/RER
272 Retirement Income Fund RIF/FRR
273 Tax Free Savings Account TFS/CLI
274 RDSP Contribution RDP/REI
280 Interest INT/INT
281 Lottery Prize Payment LPP/PDL
General User Guide
55
3
Insurance
330 Insurance INS/ASS
331 Life Insurance
332 Auto Insurance
333 Property Insurance
334 Casualty Insurance
335 Mortgage Insurance
336 Health/Dental Claim Insurance HDC/SDR
4
Loans
350 Loans LNS/PRE
351 Personal Loans
352 Dealer Plan Loans
353 Farm Improvement Loans
354 Home Improvement Loans
355 Term Loans
356 Insurance Loans
370 Mortgage MTG/HYP
371 Residential Mortgage
372 Commercial Mortgage
373 Farm Mortgage
5
Taxes
380 Taxes TAX/TAX
381 Income Taxes
382 Sales Taxes
383 Corporate Taxes
384 School Taxes
385 Property Taxes
386 Water Taxes
6
Rent
400 Rent/Leases RLS/LOY
401 Residential Rent/Leases
402 Commercial Rent/Leases
403 Equipment Rent/Leases
404 Automobile Rent/Leases
405 Appliance Rent/Leases
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56
7
Cash Management
420 Cash Management CMS/GES
8
Payments
430 Bill Payment BPY/FAC
431 Telephone Bill Payment
432 Gasoline Bill Payment
433 Hydro Bill Payment
434 Cable Bill Payment
435 Fuel Bill Payment
436 Utility Bill Payment
437 Internet Access Payment IAP/PAI
438 Water Bill Payment WBP/CE
439 Auto Payment APY/PAA
450 Misc. Payments MSP/DIV
451 Customer Cheques CCQ/CHP
452 Expense Payment EXP/RDD
460 Accounts Payable AP/CC
470 Fees/Dues FEE/FRA
480 Donations DON/DON
9
Business PAD's
700 Business PAD BUS/ENT
701 Commercial Investments CIV/PLE
702 Commercial Insurance CIN/ASE
703 Commercial Auto Insurance CAI/AUE
704 Commercial Property Insurance CPI/ABE
705 Commercial Casualty Insurance CCI/ARE
706 Commercial Mortgage Insurance CMI/AHE
707 Commercial Loans CLN/PEE
708 Commercial Mortgage CMG/HYE
709 Commercial Taxes CTX/TXE
710 Commercial Income Taxes CIT/IRE
711 Commercial Sales Taxes CSL/TVE
712 Commercial GST CGT/TPE
713 Commercial Property Taxes CPT/TFE
714 Commercial Rent/Lease CRL/LBE
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57
715 Commercial Equipment Rent/Lease CRL/LBE
716 Commercial Automobile Rent/Lease CAR/LAE
717 Commercial Cash Management CCM/GEE
718 Commercial Bill Payment CBP/PFE
719 Commercial Telephone Bill Payment CTB/PTE
720 Commercial Gasoline Bill Payment CGB/ESE
721 Commercial Hydro Bill Payment CHB/ELE
722 Commercial Cable Bill Payment CCB/PCE
723 Commercial Fuel Bill Payment CFB/CBE
724 Commercial Utility Bill Payment CUB/UPE
725 Commercial Internet Bill Payment CIB/AIE
726 Commercial Water Bill Payment CWB/CEE
727 Commercial Auto Payment CAB/PAE
728 Commercial Expense Payment CEP/RDE
729 Commercial Accounts Payable CAP/CDE
730 Commercial Fees/Dues CFD/FRE
10
Returns
900 Edit Reject REJ/REV
901 NSF (Debit Only) NSF/DSP
902 Account not found CNT/ITV
903 Payment Stopped/Recalled STP/ARR
905 Account Closed CLS/FER
907 No Debit Allowed NCP/PPC
908 Funds Not Cleared (Debit Only) FNC/FNL
909 Currency/Account Mismatch WCU/MDC
910 Payor/Payee Deceased DEC/DEC
911 Account Frozen FZN/BLQ
912 Invalid/Incorrect Account No. INA/INV
914 Incorrect Payor/Payee Name INP/NOM
915 No Agreement Existed (Debit Only) ANP/NOG
916 Not According to Agreement – Personal NCA/ACP (Debit Only)
917 Agreement Revoked – Personal ARP/AGP (Debit Only)
918 No Confirmation/Pre-Notification – Personal PNP/PRP (Debit Only)
919 Not According to Agreement - Business NCE/ACB (Debit Only)
920 Agreement Revoked – Business ARE/AGB (Debit Only)
921 No Confirmation/Pre-Notification – Business PNE/PRB (Debit Only)
922 Customer Initiated Return REC/CIR (Credit Only)
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58
Appendix E – Julian calendar dates
Julian Calendar Non Leap Year
The Julian calendars are read by selecting a date from the vertical column and a month from the horizontal column.
They will always appear in the format of 0YYDDD. For example, May 30, 2007 reads as 007150.
Day
Jan
Feb
March
April
May
June
July
Aug
Sept
Oct
Nov
Dec
1st
001
032
060
091
121
152
182
213
244
274
305
335
2nd
002
033
061
092
122
153
183
214
245
275
306
336
3rd
003
034
062
093
123
154
184
215
246
276
307
337
4th
004
035
063
094
124
155
185
216
247
277
308
338
5th
005
036
064
095
125
156
186
217
248
278
309
339
6th
006
037
065
096
126
157
187
218
249
279
310
340
7th
007
038
066
097
127
158
188
219
250
280
311
341
8th
008
039
067
098
128
159
189
220
251
281
312
342
9th
009
040
068
099
129
160
190
221
252
282
313
343
10th
010
041
069
100
130
161
191
222
253
283
314
344
11th
011
042
070
101
131
162
192
223
254
284
315
345
12th
012
043
071
102
132
163
193
224
255
285
316
346
13th
013
044
072
103
133
164
194
225
256
286
317
347
14th
014
045
073
104
134
165
195
226
257
287
318
348
15th
015
046
074
105
135
166
196
227
258
288
319
349
16th
016
047
075
106
136
167
197
228
259
289
320
350
17th
017
048
076
107
137
168
198
229
260
290
321
351
18th
018
049
077
108
138
169
199
230
261
291
322
352
19th
019
050
078
109
139
170
200
231
262
292
323
353
20th
020
051
079
110
140
171
201
232
263
293
324
354
21st
021
052
080
111
141
172
202
233
264
294
325
355
22nd
022
053
081
112
142
173
203
234
265
295
326
356
23rd
023
054
082
113
143
174
204
235
266
296
327
357
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59
24th
024
055
083
114
144
175
205
236
267
297
328
358
25th
025
056
084
115
145
176
206
237
268
298
329
359
26th
026
057
085
116
146
177
207
238
269
299
330
360
27th
027
058
086
117
147
178
208
239
270
300
331
361
28th
028
059
087
118
148
179
209
240
271
301
332
362
29th
029
088
119
149
180
210
241
272
302
333
363
30th
030
089
120
150
181
211
242
273
303
334
364
31st
031
090
212
243
151
304
365
Julian Calendar Leap Year
Day
Jan
Feb
March
April
May
June
July
Aug
Sept
Oct
Nov
Dec
1st
001
032
061
092
122
153
183
214
245
275
306
336
2nd
002
033
062
093
123
154
184
215
246
276
307
337
3rd
003
034
063
094
124
155
185
216
247
277
308
338
4th
004
035
064
095
125
156
186
217
248
278
309
339
5th
005
036
065
096
126
157
187
218
249
279
310
340
6th
006
037
066
097
127
158
188
219
250
280
311
341
7th
007
038
067
098
128
159
189
220
251
281
312
342
8th
008
039
068
099
129
160
190
221
252
282
313
343
9th
009
040
069
100
130
161
191
222
253
283
314
344
10th
010
041
070
101
131
162
192
223
254
284
315
345
11th
011
042
071
102
132
163
193
224
255
285
316
346
12th
012
043
072
103
133
164
194
225
256
286
317
347
13th
013
044
073
104
134
165
195
226
257
287
318
348
14th
014
045
074
105
135
166
196
227
258
288
319
349
15th
015
046
075
106
136
167
197
228
259
289
320
350
16th
016
047
076
107
137
168
198
229
260
290
321
351
17th
017
048
077
108
138
169
199
230
261
291
322
352
General User Guide
60
18th
018
049
078
109
139
170
200
231
262
292
323
353
19th
019
050
079
110
140
171
201
232
263
293
324
354
20th
020
051
080
111
141
172
202
233
264
294
325
355
21st
021
052
081
112
142
173
203
234
265
295
326
356
22nd
022
053
082
113
143
174
204
235
266
296
327
357
23rd
023
054
083
114
144
175
205
236
267
297
328
358
24th
024
055
084
115
145
176
206
237
268
298
329
359
25th
025
056
085
116
146
177
207
238
269
299
330
360
26th
026
057
086
117
147
178
208
239
270
300
331
361
27th
027
058
087
118
148
179
209
240
271
301
332
362
28th
028
059
088
119
149
180
210
241
272
302
333
363
29th
029
060
089
120
150
181
211
242
273
303
334
364
30th
030
090
121
151
182
212
243
274
304
335
365
31st
031
091
213
244
152
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366
61
Appendix F – Data element dictionary
Account Number for Returns; Length 12, Alphanumeric, Logical Record Types C and D
Bank account number where all returned funds will be deposited. Return account must be at ATB. If not used, field must
be space filled.
Amount; Length 10, Numeric, Logical Record Type C and D
The value of each transaction in dollars with 2 implied decimals. This data element must be greater than zero, or the
transaction will be rejected. An invalid amount may cause the file to become out of balance, which may also cause the
entire file to be rejected.
Creation Date: Length Six, Numeric, Logical Record Type A
The Creation Date of the file. The format of this element must be in Julian calendar format 0YYDDD, where:
•
0 = numeric zero
•
YY = last two digits of the year
•
DDD = day number within the year
If the Creation Date is invalid according to this format, the file will be rejected.
Date Funds to be Available; Length Six, Numeric, Logical Record Types C and D
The date when funds are available to the payor/payee. The format of this date element is in Julian calendar format
0YYDDD.
If the date is invalid according to the above format, the item will be rejected. If the Date Funds to be Available is postdated beyond 60 days after creation date, the item will be rejected. If the Date Funds to be Available is pre-dated more
than 30 calendar days prior to Creation Date, the transaction will be rejected.
File Creation Number; Length 4, Numeric, Logical Record Type A
Controls to ensure that all files created by you are sequential. This data element must be increased by one each time a
file is created. Number will roll over from 9999 to 0001. If the File Creation Number is duplicated, and all items in the file
are the same, file will be rejected.
Filler; Various sizes, Alphanumeric, All logical Record Types
An area reserved for future use. Must be space filled.
General User Guide
62
Institutional ID Number for Returns; Length 9, Numeric, Logical Records Types C and D
Bank account number where all returned funds will be deposited. Return account must be at ATB. If not used, field must
be zero filled. This element is formatted as 0219TTTTT, where:
•
0 = constant zero
•
219 = ATB Institution Number
•
T = your Branch Transit number.
If this number is invalid, returns will be posted to your EFT funding account.
Invalid Data Element; Length 11, Numeric, Logical Record Types C and D
This data element is for ATB Financial use only and must be zero filled.
Item Trace Number; Length 22, Numeric, Logical Record Types C and D
A unique identification number that you assign to each transaction to facilitate tracing. The Item Trace Number, which
you assign before forwarding to ATB, can be used in any subsequent reference to that transaction.
Item Trace Number is formatted as 219921990FFFFEEEEERRRRR where:
•
2199 = ATB Document Processing Centre ID Number
•
21990 = ATB Data Centre ID Number
•
F = Your 4 digit file creation number
•
E = Your 5 digit EFT ID number
•
R = A 4 digit sequential number of the transactions in the file, each being 1 greater than the trace number of
the previous transaction.
If the item trace number is not used, you must zero fill the field length or the file will be rejected.
Logical Record Count; Length 9, Numeric, Logical Record Types A, C, D and Z
A control used to ensure that no records are missing on the file. Logical Record Type A must have a value of 000000001
or the file will be rejected. All subsequent records must have a value of exactly one greater than the Logical Record
Count of the previous Logical Record or the file will be rejected.
Logical Record Type; Length 1, Alphanumeric, Logical Record Types A, C, D and Z
A control used to identify the logical record type and must be:
•
A = Header record (type A)
•
C = Detail record (type C)
•
D = Detail record (type D)
•
Z = Trailer record (type Z)
If invalid, the file will be rejected.
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63
Originator Direct Clearers Settlement Code; Length 2, Alphanumeric, Logical Record
Types C and D
This data element is for ATB Financial use only and must be space filled.
Origination Control Data; Length 14, Alphanumeric, Logical Record Types C, D and Z
Your EFT ID and File Creation Number as contained in data elements 03 in the header record. The format is
21990EEEEEFFFF, where:
•
21990 = ATB Data Centre ID Number
•
E = Your 5 digit EFT ID number
•
F = Your 4 digit file creation number
If invalid, the file will be rejected.
Originator Direct Clearer Settlement Code; Length 2, Alphanumeric, Logical Record
Types C and D
This data element is for ATB Financial use only and must be space filled.
Originators Cross-Reference; Length 19, Alphanumeric, Logical Record Types C and D
Data element that you can use (i.e. employee number, policy number etc). If unused, length must be space filled.
Originators ID; Length10, Alphanumeric, Logical Record Type A
Your customer number, which identifies you as the originator of the file. The format is 21990EEEEE, where:
21990 = ATB Data Centre
E = Your EFT number
If invalid, the file will be rejected.
Originators Long Name; Length 30, Alphanumeric, Logical Record Types C and D
Your name, as the originator of the transaction, abbreviated to data element size where necessary. ATB Financial has the
option of using this name, or the Originators Short Name when identifying you to your payee/payor. If this information
is missing, the file is rejected.
Originators Short Name; Length 15, Alphanumeric, Logical Record Types C and D
Your name, as the originator of the transaction, abbreviated to data element size where necessary. ATB Financial has the
option of using this name, or the Originators Long Name when identifying you to your payee/payor. If this information is
missing, the file is rejected.
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64
Originators Sundry Information; Length 15, Alphanumeric, Logical Record Types C and D
This data element can be used to further identify your transactions, i.e. pay period, dividend issue, billing period. If unused, length must be space filled.
Payor/Payee Account Number; Length 12, Alphanumeric, Logical Record Types C and D
Account Number of the payee at the financial institution where funds are to be debited/credited. The account number
may have embedded blanks and/or dashes and need not be included. If this data element is absent, the transaction will
be rejected.
Payor/Payee Name; Length 30, Alphanumeric, Logical Record Types C and D
The name of the payor/payee whose account is to be debited/credited. If this data element is absent, the transaction will
be rejected.
Reserved Customer; Length 20, Alphanumeric, Logical Record Type A
This data element is for ATB Financial use only and must be space filled.
Stored Transaction Type; Length 3, Numeric, Logical Record Types C and D
This data element is for ATB Financial use only and must be space filled.
This data element is for ATB Financial use only and must be space filled.
Total Number of Credit Transitions; Length 8, Numeric, Logical Record Type Z
This is the total number of credit transactions contained in the file, whether or not the transactions are valid. This data element must be zero filled if the file contains no Logical Record Type C transactions. If the contents of this data element do
not equal the number of credit transactions in the file, the file will be rejected.
Total Number of Debit Transitions; Length 8, Numeric, Logical Record Type Z
This is the total number of debit transactions contained in the file, whether or not the transactions are valid. This data element must be zero filled if the file contains no Logical Record Type D transactions. If the contents of this data element do
not equal the number of debit transactions in the file, the file will be rejected.
Total Value of Credit Transactions; Length 14, Numeric, Logical Record Type Z
The total value of all credit transactions contained in the file in the Logical Record Type C, whether or not the transactions
are valid. Assumes 2 implied decimal places. This data element must be zero filled if the file contains no Logical Record
Type C transactions. If the contents of this data element do not equal the number of credit transactions in the file, the file
will be rejected.
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65
Total Value of Debit Transactions; Length 14, Numeric, Logical Record Type Z
The total value of all debit transactions contained in the file in the Logical Record Type D, whether or not the transactions are valid. Assumes 2 implied decimal places. This data element must be zero filled if the file contains no Logical
Record Type D transactions. If the contents of this data element do not equal the number of debit transactions in the file,
the file will be rejected.
Transaction Type; Length 3, Numeric; Logical Record Type C and D
This data element enables you to identify the type of transaction and ATB Financial passes on the transaction type to
your Payor/payee. If the Transaction Type is invalid, the transaction will be rejected.
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Appendix G – File reject and return reasons
ATB Online File Reject Reasons
ATB Online File Summary Screen
Customer Test File
Customer/Internal Recall Requested
Duplicate File Received
File Format Incorrect
File Header Format Incorrect
File Trailer Format Incorrect
File Sequence Number
Funding Account Locked
Funding Account Invalid
Funding Account Closed
Invalid EFT ID
Liquidity Limit Exceeded
No Funding Available
Invalid Currency
Unauthorized Debit/Credit Permission
ATB Online Item Return Reason Code Descriptions
Reason field Displayed on EFT Return Summary Screen
900 Edit Reject
900 Edit Reject
901 NSF (Debit Only)
902 Account not found
903 Payment Stopped/Recalled
905 Account Closed
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907 No Debit Allowed
908 Funds Not Cleared (Debit Only)
909 Currency/Account Mismatch
910 Payor/Payee Deceased
911 Account Frozen
912 Invalid/Incorrect Account No.
914 Incorrect Payor/Payee Name
915 No Agreement Existed (Debit Only)
916 Not According to Agreement – Personal (Debit Only)
917 Agreement Revoked – Personal (Debit Only)
918 No Confirmation/Pre-Notification – Personal (Debit Only)
919 Not According to Agreement - Business (Debit Only)
920 Agreement Revoked – Business (Debit Only)
921 No Confirmation/Pre-Notification – Business (Debit Only)
922 Customer Initiated Return (Credit Only)
ATB Online Item Return Invalid Data Elements
The following is a map of the invalid data element code numbers that display on the Return Summary
and Return Details screens.
1
Invalid Logical Record Type ID
2
Invalid Logical Record Count
3
Invalid Originator Control Data
4
Invalid Transaction Type
5
Invalid Amount
6
Invalid Date Funds Available
7
Invalid Institutional ID Number
08*
Invalid Payee/ Payor Account Number
9
Invalid Item Trace Number
10
Invalid Stored Transaction Type
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11
Invalid Originator’s Short Name
12
Invalid Payee/Payor Name
13
Invalid Originator’s Long Name
14
Invalid Originating Direct Clearer’s User ID
15
Invalid Originator’s Cross Reference Number
16
Invalid Institution ID Number for Returns/ Original Institutional ID Number
17
Invalid Account Number for Returns / Original Account Number
18
Invalid Originator’s Sundry Information
19
Invalid Original Item Trace Number
20
Invalid Originator-Direct Clearer Settlement Code
21
Invalid Data Element ID
60
Original Cannot be found error correction / returned transaction
61
Duplicate error correction / returned transaction
62
Originating Direct Clearer in Default
*For internal returns ONLY two reasons (07 and 08) are combined to 08 and the description is: Invalid Institutional ID
Number/Payee/ Payor Account Number
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Appendix H – How to read a cheque
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Appendix I – Pre authorized debits
Sample Pre Authorized Debit Agreements
The CPA (Canadian Payments Association) has mandated certain mandatory elements that must appear on your Pre
Authorized Debit Agreement. You must submit a sample template for ATB to approve prior to your EFT service being
activated. Please refer to the CPA website (specifically the ‘PRE-AUTHORIZED DEBITS; A GUIDE FOR BILLERS’) for complete
details on your obligations (CPA Rule H1).
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Appendix J – File types and receiver types
The following table shows the EFT File types along with the receivers allowed for each file type. You will need this information when you create templates or manually create EFT files.
When you are entering information to create an EFT file, the receiver column heading will change depending on the file
type you choose. For example, if the file type is Salaries, the receiver column heading will be Employee.
Chosen File Type
Receiver Types Allowed
Screen Column Heading
Displayed
Default Debit/Credit
Salaries
Employee
Employee
Credit
Receivables
Customer
Customer
Debit
Payables
Supplier
Supplier
Credit
Mixed
All receivers are allowed:
employee, customer, and
supplier
Receiver
No default
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