ACH Credit Limit Process

ACH Credit Limit Process Flow

1. Client submits payroll
   1. If under credit limit – process is normal
   2. If over credit limit, client receives a pop-up at time of submission stating to call PayNorthwest to give verbal acknowledgement payroll is accurate
      1. Email is sent to TS to create a ticket
2. CSR Reviews submitted payroll per checklist
   1. If under credit limit – process is normal
   2. If over credit limit, find ACH Credit Limit ticket in TS and update notes that checklist is complete, and assign to Client Services Manager or designee
      1. If client sent previous information indicating the payroll would be higher, link ticket/information to the ACH Credit Limit ticket
      2. If verbal is received, update ticket notes
      3. If no verbal, CSR or management need to receive verbal authorization prior to process
3. Client Services Manager or designee receives ACH Credit Limit ticket
   1. Reviews CSR notes and any linked tickets
   2. If no verbal has been received, phones client to confirm why the payroll is higher than normal
   3. When determined to be accurate
      1. Update ticket notes with conversation information
      2. Close ticket
      3. Release hold in system (include name of client who verified and ticket # in notes)
      4. Notify CSR to continue finalizing and distribution process
   4. If determined to not be accurate
      1. Reopen payroll and have client fix
      2. Update ticket notes with conversation information
      3. Close ticket
4. After 2^nd trigger in 6 months, review limit
   1. Send ticket to Dave or designee
   2. Upon review, update profile and ticket in TS
5. New Clients (profiles assigned by Implementation Manager or designee)
   1. Clients are assigned initial profile based on if they have history or not and Finance reviews the next quarter to ensure limit initially assigned is not too high based on actual processes
      1. Clients with history
         1. Payroll history will be entered by implementation and a ToDo item will be sent through the system
         2. Implementation Manager or designee reviews Recap & Funding Reports and uses history entered to determine initial ACH level
      2. Clients without history
         1. If not part of existing EINs, use 5k limit until 2^nd trigger or standard quarterly review
         2. If COLE, use limit we had prior until 2^nd trigger or standard quarterly review
   2. Add limit profile to client
      1. Single EIN – Select determined limit from dropdown

1. Multi-EIN – Ensure correct EIN is selected, check box and select determined limit from drowdown

1. Mark ToDo item as complete for our audit