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Introduction to ACH Direct 4.0


1.1 Overview of ACH Direct

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

  1. Online Control Totals – ACH Originators may manage file control totals online, allowing clients the capability to add, view, modify or delete totals for originated files, thus replacing phone initiation.
  2. File Collection Alerts – Email notifications provide ACH Originators updates during file arrival and collection.
  3. ACH Transaction and File Inquiry – Through the Warehouse feature, you may view the detail of their ACH Origination files or query details of their received ACH transactions.
  4. 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.

ACH Direct Email Notifications

With the exception of the ACH File/Transaction Inquiry module, 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.

NOTE: Any user who does not log into ACH Direct for more than 6 months will become inactive and no longer receive email notifications.

ACH Debit Protection through EPA

EPA emails are generated anytime a debit transaction is received by Key. The emails serve as a notice that a particular transaction may have been authorized by an existing authorization record or, in the absence of proper authorization, action may be required on your part for it to be paid.

Notification Types

Collection Notifications:

  • Notification Type E100 – A transaction was authorized during the last collection cycle and will be posted to the intended account.
  • Notification Type E101 – A transaction was rejected during the last collection cycle due to no authorization record being on file and will be returned if no action is taken by 7:00 p.m. ET on the return date indicated on the notice.
  • Notification Type E102 – A transaction was rejected during the last collection cycle for a non-qualifying authorization record and will be returned if no action is taken by 7:00 p.m. ET on the indicated return date.

Dual Verification Notifications:

  • Notification Type E111 – A transaction was rejected during the last collection cycle for a missing or unqualified authorization record and was subsequently ACCEPTED OR REJECTED via the reject decisioning feature. Dual verification action is REQUIRED in order to complete final decisioning. If no action is taken by 7:00 p.m. ET on the indicated return date, the transaction will be returned.
  • Notification Type E112 – The following EPA reject decisioning action has been APPROVED via EPA Reject Dual Verification. Specific transaction details will be included in the email generated.
  • Notification Type E113 – The following EPA reject decisioning action has been DECLINED via EPA Reject Dual Verification. Specific transaction details will be included in the email generated.
  • Notification Type E114 – The following EPA reject decisioning action has expired. The transaction will be returned to the originating company during nightly processing.
  • Notification Type E121 – An EPA maintenance request is awaiting decisioning via EPA Dual Verification. Specific transaction details will be included in the email generated.
  • Notification Type E122 – The following EPA maintenance request has been approved via EPA Dual Verification. Specific transaction details will be included in the email generated.
  • Notification Type E123 – The following EPA maintenance request has been declined via EPA Dual Verification. Specific transaction details will be included in the email generated.
  • Notification Type E124 – The following EPA maintenance request has expired. Specific transaction details will be included in the email generated. 

Recollection Notifications:

  • Notification Type E201 – A transaction was rejected during the last collection cycle for a missing or unqualified authorization record and was subsequently APPROVED via the reject decisioning feature. The transaction will be posted to the intended account during nightly processing.
  • Notification Type E202 – A transaction was rejected during the last collection cycle for a missing or unqualified authorization record and was subsequently REFUSED via the reject decisioning feature. The transaction will be returned to the originating company during nightly processing.
  • Notification Type E203 – A transaction was rejected for a missing or unqualified authorization record. No decisioning action was taken on the transaction. However, prior to returning an authorization was located that authorized the transaction. The transaction will be posted to the intended account during nightly processing.
  • Notification Type E204 – A transaction was rejected for missing or unqualified authorization record. No decisioning action was taken on the transaction. The transaction will be returned to the originating company during nightly processing.

Reject Decisioning Performed During Key Processing: 

  • Notification Type E302 – A PENDING reject decisioning action has been declined for a rejected transaction. The transaction was processed during this collection cycle and therefore the pending action could not be applied. Specific transaction details will be included in the email generated.

Actions Taken by Key Personnel:

  • Notification Type E303 – An electronic authorization record was added by Key personnel. Specific authorization detail will be included in email generated. It may be desirable for you to review the authorization record to ensure it meets your requirements.
  • Notification Type E304 – An electronic authorization record was deleted by Key personnel. Specific authorization detail will be included in email generated. It may be desirable for you to review the authorization record to ensure it meets your requirements
  • Notification Type E305 – Maintenance was performed on an electronic authorization record by Key personnel. Specific authorization detail will be included in email generated. It may be desirable for you to review the authorization record to ensure it meets your requirements.

Authorization Changes Performed During Key Processing:

  • Notification Type E502 – A PENDING maintenance request has been processed successfully. The maintenance performed has impacted the “Number of Authorizations” parameter and affects the number of times the specific authorization may be used. Specific authorization details will be included in email generated.

Online Control Totals

Control Total related emails are only generated in the event a delete or modification of a control total is not accepted.

  • Notification Type C612 – A control total delete request received during a processing window was declined, as the status of the control total has changed since the deletion request was submitted.
  • Notification Type C613 – A control total maintenance request received during a processing window was declined, as the status of the control total has changed since the modify request was submitted.
  • Notification Type C631 – A file has been matched to the total that was reported.

File Collection Alerts

Arrival Notifications

  • Notification Type F800 – An ACH file has been received for processing by Key and will be processed in the next available collection window.
  • Notification Type F801 – An ACH file has been received for processing by Key. The file has been designated with a LATE status and may not be processed until the next banking day.

File Level Collection Notifications:

  • Notification Type F810 – An ACH file has been processed; however, it has an exception status due to missing or improper file control totals.
  • Notification Type F812 – An ACH file has been processed and was given an exception status due to errors during processing, other than Control Totals. Examples of such errors are, duplicate file detected or incorrectly calculated file control totals totals. 
  • Notification Type F815 – An ACH file has been processed successfully.

Collection Application Notifications:

  • Notification Type F822 – An ACH batch has been processed and had an exception other than Control Totals. *Only for clients who process at the BATCH level or have more than one Collection Application set up.
  • Notification Type F825 – An ACH batch has been processed successfully. *Only for clients who process at the BATCH level or have more than one Collection Application set up.

ACH Transaction and File Inquiry

ACH Transaction and File Inquiry does not offer event generated emails.

Timing of Notifications and System Availability

ACH Direct Availability Schedule Available 8:00 a.m. – 11:00 p.m. ET All days referenced below are banking days, Monday – Friday, excluding holidays.

ACH Direct Notification Timing

Notification Timing Deadlines
Control Totals Notifications are sent daily upon arrival and collection of file. Control Totals must be entered immediately before file transmission to avoid processing delays.
File Collection Notifications are sent upon originated file arrival and/or collection. Not applicable, informational emails only.
Electronic Payment Authorization Notifications are sent daily when an event occurs. Key collects and distributes ACH transactions throughout the day. Decisioning of items must be completed before 7:00 p.m. ET on the indicated return date.

1.2 Getting Started on ACH Direct

ACH Direct provides added security. Your Key Total Treasury sign-on will not provide access to ACH Direct. Password and log-in information will be provided separately.

Implementation Expectations

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Signing on to ACH Direct via Key Total Treasury for the First Time

Once you have received your log-in information, it is recommended you complete the following steps the first time you log into ACH Direct via Key Total Treasury.

Entering ACH Direct

  1. From the Corporate tab of www.key.com, log into Key Total Treasury.
  2. In the Other Services Log in box select ACH Direct.
  3. Select Enter ACH Direct ©2016 KeyCorp. KeyBank is Member FDIC. 10 ACH Direct User Guide
  4. Within the ACH Direct Log-in box, enter your user ID, password and organization name, paying special attention to the password and organization name which are case/space sensitive.
  5. ACH Direct requires new users to change their password upon the first successful log in. Passwords expire every 365 days. However, passwords may be changed by the user as often as desired. The following password criteria are in place:
    1. Have 8 to 24 alpha/numeric characters
    2. Have at least one alpha character (A-Z)
    3. Have at least one numeric character (0-9)
    4. Have at least four unique characters, with the exception of “<” and “>”
    5. Not be the same as any of the previous 12 passwords
    6. Be case-sensitive
    7. Cannot contain the user ID
  6. 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.