Sign On
  • KeyNavigator
    Sign On Form is Loading
  • CIS Online Brokerage CIS Login

Complete User Guide Sections

Section 1 - Introduction to ACH Direct

1.1 Overview of ACH Direct

ACH Direct is comprised of five main functional modules allowing real-time interaction with KeyBank’s ACH system. The modules include:

  1. Corporate Administrator – The Corporate Administrator has the ability to view and manage users’ notifications/alerts on ACH Direct for their organization. This role offers report access to an audit log outlining what users performed what action in ACH Direct. The Corporate Administrator cannot add new users or remove users from this portal, only view. Requests for users to be added or removed from ACH Direct must be requested through your Payment Advisor.
  2. Online Control Totals – ACH Originators may manage file control totals online, allowing you the capability to add, view, modify or delete totals for originated files. Control Totals on ACH Direct also display the status of the file indicated by ‘matched’ or ‘unmatched’ to the ACH File transmitted. In addition, email notifications provide ACH Originators updates during file arrival and collection.
  3. ACH Debit Protection through Electronic Payment Authorization (EPA) – Protect your account against electronic debit fraud by using our EPA service. EPA allows you to exercise more control over which entries are allowed to post to your accounts by limiting the transactions to only those that have been authorized. Choose to block all debit activity or establish and maintain authorization records to allow certain trading partners to debit your account. Dual verification is available to ensure both parties are in full agreement with the disposition of an item before it can be approved and released from the dual verification queue.
  4. File/Transaction Inquiry – Through the Warehouse feature, you may view the detail of your ACH Origination files or query details of your received ACH transactions. File/Transaction Inquiry provides up to 60 days of historical ACH items received on a specified account or originated from a specified account.
  5. File/Transaction Inquiry with Deletes and Reversal – Through the warehouse feature, any item originated by your organization can be requested to be reversed or deleted. Delete requests can only be submitted if the original item has not been released into the network. Reversals are permitted within 5 banking days of the original effective date.

ACH Direct Email Notifications

One of the best features of ACH Direct is the ability to enable notifications related to Control Totals, EPA/ACH Debit Block, file management and deletes/reversal requests. You may elect to receive event based email notifications; each notification type is assigned a number making it easy for you to identify the type of notification and any action required. All available email notifications will be enabled at time of set-up as a default.

Timing of Notifications and System Availability

ACH Direct Availability Schedule ACH Direct is available 24 hours a day / 7 days a week and only temporarily unavailable during system maintenance.

1.2 Getting Started on ACH Direct

Your KeyNavigator® sign-on provides your access to ACH Direct from the Payables tab as outlined below. Select Payables, then click on ACH Direct.

Implementation Expectations

Signing on to ACH Direct via KeyNavigator for the First Time

Once you have received your KeyNavigator log-in information and services have been enabled, it is recommended you complete the following steps the first time you log into ACH Direct via KeyNavigator.

NOTE: For new users to EPA/ACH Debit Protection, services will not be turned on until you respond to ACH Operations with a start date. Once ACH Direct is enabled, you will automatically be able to enter ACH Direct from the payables tab.


Entering ACH Direct

  • From the Corporate tab of www.key.com, log into KeyNavigator.
  • Choose the Payables section of KeyNavigator and select ACH Direct. On the next screen select Enter ACH Direct.
  • The ACH Direct main menu will display. From the ACH Direct main menu please be aware of the Alerts and Information box which will provide you with important information on upcoming events, scheduled outages, holidays and ACH processing details. Choose your desired action from the available menu.

Tips for ACH Direct

ACH Direct is optimized for Internet Explorer (IE) 9 but IE8 and IE10 are allowed. IE6 and previous versions will be blocked from use. Additionally, Firefox 27 and Chrome 33 are allowed. Depending on browser type and version, scrolling on Warehouse Detail Inquiry screens is normal.

Do not use the BACK button on your browser; instead navigate using the links contained within the ACH Direct pages.

To reduce the potential for missing a required action, users should log into ACH Direct on a daily basis to ensure all needed actions are performed.

Section 2 - Overview of ACH Direct Corporate Administration

An ACH Direct Corporate Administrator role can be designated to facilitate limited self service capabilities which previously required you to contact Key.

This capability allows you, as the Corporate Administrator, to make immediate profile changes to your users to ensure up-to-date access is maintained in ACH Direct for the security of your organization.

The Corporate Administrator role also provides access to a user audit log. The audit log will provide the administrator details by user and all activity they performed.

You can have more than one administrator role assigned. Key recommends that you have at least two Corporate Administrators assigned to ensure uninterrupted coverage when changes are needed. Additionally, the Corporate Administrator role can be established with dual control, whereby the changes to user profiles require a second administrator approval.

Key will continue to provide this service as needed and changes to users can be requested through your Payments Advisor.

2.1 Viewing and Modifying All Corporate Users

  • From the ACH Direct Main Menu, click Corporate Administration followed by Corporate User.
  • This will provide you a listing of all users within your organization. Users not listed, or users who are listed and need to be removed, will require your company contact to make the official request through your Payments Advisor.
  • Once users are displayed, locate the user to be modified. This can easily be done by using the magnifying search function located on the bottom of the user listings.
  • To view a user, select the radio button to the left and hit Modify on the top toolbar.
  • This will open the User Information box, displaying data related to that particular user. Some data cannot be edited and will appear ghosted in that field. Any changes to these fields will need to be arranged through your Treasury Services Payments Advisor. Other fields can be edited. Changes will be made immediately.
  • Once you have modified the fields, select Save to ensure user’s information is updated.

Assigning Groups

As a Corporate Administrator, you can View what groups a user is assigned to and request roles to be added or removed as needed through your Payments Advisor.

On the User Profile, click on Assign Groups. This will display the access currently in place for the selected user.

2.3 Notifications

ACH Direct offers a variety of email notifications to users. As a Corporate Administrator, you can add or remove email notifications per user.

  • On the User Profile, click the Notifications and select Add or Remove.
  • This will display a selection of notifications that can be added or removed as appropriate for that user. Once your selection has been made, select Save to update notifications for the selected user.

2.4 Reports

As a Corporate Administrator, ACH Direct brings you the ability to view audit activity for all users assigned to your organization.

  • In the top, left section of the home page in ACH Direct, select the Reports dropdown and click on Audit Activity.
  • The screen will appear for you to select a specific user or all users. Enter the date or range of dates you are interested in viewing.
  • Select the report type, sort fields and sort order. Once all selections have been made, select View Report.
  • This will display an audit report of the user’s activity for the date range selected.
Section 3 - ACH Direct Control Totals

3.1 File Collection Alerts

For ACH Originators, you can elect to receive real time email alerts regarding your ACH Origination files. Events such as Key’s receipt and processing of an ACH Origination file will trigger emails to those designated.

NOTE: You can also inquire on the status of your file through the File/Transaction Inquiry module within ACH Direct. Please see the document “ACH Direct – Transaction and File Inquiry” for instructions on how to view this information. If you are unsure of whether you have access to the File/Transaction Inquiry module, please contact your Treasury Service Payments Advisor.

3.2 Control Totals

If you are an ACH Originator and send files via Direct Transmission or KeyNavigator File Transfer, you may use ACH Direct to enter your control totals online.

**Important Note for Originators**

To ensure smooth processing, log into ACH Direct and input file totals for each ACH Origination file being sent, and then send the corresponding file(s) to Key via Direct Transmission or KeyNavigator File Transfer.

3.3 Entering Control Totals

  • From the ACH Direct Main Menu, click Control Totals under the Control Totals section.
  • From the Control Totals menu, click Add.
  • Choose the appropriate Application Name from the drop down list.
  • You are required to complete the following fields. Once all fields are completed click the Save button.
  1. Credit Amount – Credit amount of file being submitted (include decimal point). i. Enter amounts using a decimal point. For example, if $2,500.00 is the desired amount, enter “2500.00” in the field.
  2. Debit Amount – Debit amount of file being submitted (including decimal point). i. Enter amounts using a decimal point. For example, if $2,500.00 is the desired amount, enter “2500.00” in the field.
  3. Entry/Addenda Count – Number of detail records or number of detail and addenda records on the file being submitted.

    NOTE: The Entry/Addenda Count can be located within your NACHA formatted file that you send to Key. It is located in positions 14-21 of the File Control (9) Record in your ACH file.

    NOTE: It is recommended that you add Control Totals prior to sending your ACH Origination file.

  • After the Control Total Add request is processed, the Control Total Add Confirmation will confirm the successful add and provide a Control Total Reference Number.

3.4 Control Total Modification

  • From the ACH Direct Main Menu, click Control Totals.
  • In order to modify an ACH Direct control total, select the radio button next to the total which requires changing and then click Modify.

NOTE: The Status column displays the status of your ACH file submitted to Key. When the status of the file reads Normal, your ACH origination file has been processed successfully. If the status In Process is displayed, your file has been processed, but with an exception status.

  • Make required changes to the Control Total and then click Save.
  • Once completed, confirmation of the modification will be provided.

3.5 Control Total Deletion

  • From the ACH Direct Main Menu, click Control Totals under the Control Totals section.

In order to delete an ACH Direct Control Total, click the radio button next to the total which requires deleting. Click Delete.

  • Click OK to confirm the deletion.
  • Once completed, confirmation of the deletion will be provided.

A listing of all control totals can be generated using the Generate Report tab. Control totals remain visible for up to three days after file has processed.

Section 4 - Electronic Payment Authorization (EPA)

4. User Maintenance

The User Maintenance section is available via the ACH Menu and can be added to the ACH Home page via the Add Widget dropdown.

For companies utilizing ACH Self Service, User Maintenance allows you to view information about existing roles and permissions setup for ACH.  If you have modifications or additions to roles, please contact your Payments Advisor.

  • The User Maintenance widget displays all users and IDs.
  • Views can be changed utilizing the drop-down box on the right and you may add/delete columns by clicking the gear icon.
  • Click the Filter drop down to create a custom view by selecting the desired fields.
  • Views may be printed or exported.
  • Select view or modify within the Actions column to display further information.
  • If you have the appropriate permissions, you may make the desired changes in the User Detail and Assign Roles tabs.
  • You may view the history by expanding the Audit section on the User Detail tab.
Section 5 - File and Transaction Inquiry

5. Beneficiary Address Book (BAB)

The Beneficiary Address Book is available via the ACH Menu and can be added to the ACH Home page via the Add Widget dropdown.

  • The BAB widget displays all contacts available for payments or templates.
  • Views can be changed utilizing the drop-down box on the right and you may add/delete columns by clicking the gear icon.
  • Click the Filter drop down to create a custom view by selecting the desired fields.
  • Views may be printed or exported.
  • Select Modify for the desired contact to modify any of the details
  • Click Save Contact when complete.
  • To create a new contact in the BAB, click the Add New Contact Button at the top of the widget.
  • Enter all desired information including the type of contact and payment information. Please note the fields with the red asterisks are required.
  • Click Save Contact when complete.
Section 6 - EPA Dual Authorization

6. Alerts Center

The Alerts Center is available via the ACH Menu and the individual widgets can be added to the ACH Home page via the Add Widget dropdown.

6.1 Recipients & Recipient Groups

  • The Recipients and Recipient Group widgets display the existing recipients for your company. You may modify, delete or view the existing contacts.
  • Views can be changed utilizing the drop-down box on the right and you may add/delete columns by clicking the gear icon.
  • Click the Filter drop down to create a custom view by selecting the desired fields.
  • Views may be printed or exported.
  • To create a new recipient, select Insert at the top of the Recipient widget.
  • Enter the name and email address for your new recipient. Additional emails may be added by selecting the Add Another Contact Method.

Once you have created recipients, you may add them to Recipient Groups.

  • Create a new recipient group by clicking Insert at the top of the Recipient Group widget. Begin by entering a Group name.
  • Or click Modify from Actions for an existing Group name
  • Add recipients by searching by name in the Recipient Name field. Simply start typing their name in the box.
  • Click Save when you have entered all the desired recipients.

6.2 Alerts

  • The Alerts widget will display the existing alerts for your company. You may modify, delete or view the existing alerts.
  • Views can be changed utilizing the drop-down box on the right and you may add/delete columns by clicking the gear icon.
  • Click the Filter drop down to create a custom view by selecting the desired fields.
  • Views may be printed or exported.
  • To create a new alert, select Add New Alert at the top of the Alerts widget.
  • Enter the desired name in the Alert Name field.  Select a name that is meaningful to you.
  • Next, select the Alert Group from Payments and Transfers or Administration (based on your permissions).
  • The Alert Types drop down menu will populate based on the alert group selected.
  • The Alert Subject Line will populate based on the alert type selected.  You may create your own meaningful Alert Subject Line in that field.
  • Click Save when complete.

6.3 Alerts Center

  • The Alerts Center widget is the hub for all the alerts, recipients and recipient groups that have been created for your company.
  • In each of these tabs, you may modify, delete or view the existing details.
  • Views can be changed utilizing the drop-down box on the right and you may add/delete columns by clicking the gear icon.
  • Click the Filter drop down to create a custom view by selecting the desired fields.
  • Views may be printed or exported.
  • You may create new alerts, recipients and groups from this widget as well.
Section 7 - Deletes and Reversals of Originated Items

7. Audit Information

The Audit Information widget is available via the ACH Menu and the widgets can be added to the ACH Home page via the Add Widget dropdown.

  • Select a range of options for a report to create a custom audit report
  • Select from several search fields and click Search.
  • The results will appear on the bottom of the page.
  • You may export or print the results using the buttons under the search button.
  • Save this exact report as a view by clicking the view drop down on the far right of the report and selecting the Save View button.
  • Views can be changed utilizing the drop-down box on the right and you may add/delete columns by clicking the gear icon.
  • Click the Filter drop down to create a custom view by selecting the desired fields.
  • Views may be printed or exported.