User Guide 2010 - Desjardins.com · 2010. 11. 5. · User Guide 2010 November 5, 2010. AccèsD Affaires : a virtual caisse unhindered by time or distance ... • User category, which

User Guide 2010

November 5, 2010

AccèsD Affaires : a virtual caisse unhindered by time or distance

2Basics

Jan

uary

29,

201

0

Basics

Minimum computer requirements a01

The use of AccèsD Affaires requires Internet access. The following table presents the rec-ommended and minimum requirements. With the recommended configuration, the response time is much faster and transactions will be processed more quickly and easily.

Recommended Minimum

Computer Pentium 350 Mhz Pentium 133 Mhz

Modem High speed 56 Kbps

Operating system Windows XP, VistaMac OS X

Windows 2000 Mac OS X

Internet access a02

To access the Internet, you need an Internet Service Provider (ISP).

To find out what ISP services are available in your area, look in the Yellow Pages under Internet - Products and Services - Suppliers. You can also obtain a start-up package offered by some ISPs through computer outlets or department stores.

If you decide to use a local supplier, make sure that the supplier:

has enough lines so you can get on the Internet whenever you like without having to • deal with a busy signal; has an Internet server that provides rapid, high-performance service; • provides assistance if you have any difficulties logging on, and support if you have any • problems with your regular Internet use.

Your ISP should ask for your system configuration, and give you a start-up kit that includes software to access the Internet with installation instructions, and instructions on how to con-nect for the first time and register on the Internet. You can log on to AccèsD Affaires the following ways:

Type “ 1. http://www.desjardins.com “ in your browser’s address bar.Click on the AccèsD Affaires icon on the left side of the home page.2.

Type the following in the address bar for the French version of AccèsD Affaires: • “ https://accesd.affaires.desjardins.com “Type the following in the address bar for the English version of AccèsD Affaires: • “ https://accesd.affaires.desjardins.com/desj?0LOGSHOW=& “

To accelerate future access, you can bookmark AccèsD Affaires.

a00

http://www.desjardins.com

https://accesd.affaires.desjardins.com

https://accesd.affaires.desjardins.com/desj?0LOGSHOW=&


3Basics

Jan

uary

29,

201

0

Recommended browsers a03

You computer must be equipped with a browser, also called a navigator, in order to surf the Internet. To use the AccèsD Affaires service, you must also make sure your navigator has a data encryption protocol to ensure security of Web transactions and information. The follow-ing three browsers are compatible with AccèsD Affaires:

Microsoft Internet Explorer 6.0 and higher with 128-bit encryption protocol. Mozilla Fire-• fox 1.5 and higher. Safari 1.3.9 and higher.

The start-up kit provided by your ISP contains navigation software that you must install on your computer.

Technical information a04

Do not use the • Back button to return to a previous page. Do not interrupt a download, results could be scrambled. • To end your session click on • Quit in the upper right hand corner of the page. This will end the data exchange between your station and our headquarters. It is always prudent to clear your browser’s cache memory to guard against unauthorized use of your com-puter. A cookie file, which contains information to identify you, will be automatically created on • your computer. Our server has access to it and it is destroyed at the end of your session. The cookie must be accepted for the AccèsD Affaires service to function. •

Controlling your transactions a05

With AccèsD Affaires, you have complete control of your transactions.

You decide who the users will be and what services they can use. • You browse by using the menus located at the top of each page. • You can click the • Cancel button at the bottom of each page at any time to interrupt an operation. You will always be asked to confirm transactions that affect your account balances.•

Business hours a06

AccèsD Affaires is available 7 days a week, 24 hours a day, except on Sundays from 2 a.m. to 6 a.m.

Various services offered through AccèsD Affaires may have different availability schedules. See the User Guide for more details.


4Basics

Jan

uary

29,

201

0

Initial access a07

The first time you log on, complete the following steps:

Bookmark AccèsD Affaires.1. On the AccèsD Affaires log-on page: 2.

a) Enter your user code; b) Enter your case-sensitive password; c) Click on the Validate button.

Choose a confidential password to replace your temporary password.3. Personalize your user file.4. If you are the system administrator, define the users and their access rights. 5.

If you are a system administrator and registered for the Cash Management service:

Define the access rights for each user.1. Select the folios for which you want a virtual statement.2. Set up a list of service providers and government remittances. 3.

AccèsD Affaires is composed of services which the business subscribes to, depending on its needs. When your user code was assigned, the primary administrator determined which functions you can use. As a result, you may not have access to all the functions presented here. To learn more about the various services available, call your caisse or an advisor at 1 877 AccèsD A.

Need Help? a08

If you experience problems connecting to the Internet (lengthy downloads, busy signals, line is cut off, billing), contact your Internet Service Provider (ISP).

If you have questions about your accounts and transactions, contact your caisse. See des-jardins.com for caisse addresses and telephone numbers.

If you have questions about AccèsD Affaires:

read the messages sent by the AccèsD Affaires Services Support Group during your • session. You can find them on the Messages for users page when you log on;read the message sent by AccèsD Affaires; they appear at the top of the page where you • are having problems;read the help pages;• read the appropriate section in this guide;• contact AccèsD Affaires Services at • 1 877 AccèsD A;you can also write to us by clicking on “Your comments” in the upper part of the screen, • by clicking on “Contact us” in the AccèsD Affaires help pages.

Take advantage of all AccèsD Affaires has to offerto your company and to your staff

5Managing Your Business Profile and Personalization

Apr

il 28

, 200

9

Managing Your Business Profile and Personalization

Receiving messages from Desjardins b01

The Messages to users page appears when Desjardins would like to notify AccèsD Affaires users of any technical improvements or important information.

When Desjardins sends a message, the page opens when you start your session. After you read it, you can continue in AccèsD Affaires by clicking on the Continue button.

You can return to the Messages to users page at any time by activating the Messages link in the menu.

View your business profile b02

Click on the Business tab for the menus describing various elements of your business pro-file.

Business profile

Click here to see the general information the caisse has about your business.

Services

See the services your business is registered for. A green check mark “ ” indicates that

your business is registered and a red “ ” means that it is not.

Accounts

See the accounts (RS, LC, etc.) that are linked to your folio. This is also where you opt for, or opt out of receiving a virtual statement for your folio.

To obtain a monthly virtual statement of account:

Click the 1. Business tab then Accounts.Select the appropriate folio.2. Click on the 3. Accounts in this folio button.Check the Obtain the monthly virtual statement button.4. Click on 5. Confirm.

DDW organizations

See information about your direct deposit-withdrawal organization profile or check the transmission mode selected to upload your direct deposit-withdrawal data to Desjardins headquarters.

b00



Apr

il 28

, 200

9

History

This page shows the changes that were made to the business profile.

The History section includes activity for the six months following the creation of the business file and the six months prior to the date of the last change to the file.

The following information is provided:

date and time of the change• name of the user who made the change • description of the change•

User management b03

Click the Business tab, then Users to see the list of employees with access to the applica-tion, or grant access rights to the application or some transactions to other employees.

The table includes the following information:

Name• User code • Telephone number • Mother’s maiden name • User category, which defines the functionalities available to the user • Status. May be “Active” or “Suspended”. Status is suspended when users make three • errors when entering their password. The password then has to be reactivated.

Not all users have access to the same functionalities. Access to functions and accounts is determined by the user category and functions defined when the user code was created.



Apr

il 28

, 200

9

User category

There are three user categories: primary administrator, secondary administrator, employee.When your business is registered for AccèsD Affaires, the caisse provides a user code for the primary administrator. The primary administrator is an employee who has access to the entire range of services set up with your caisse. There can be only one primary admin-istrator per company. The primary administrator defines user accounts and the services that are available to each of them, provides assistance to users and is the liaison between the business and the AccèsD Affaires Services Support Group. The primary administrator may create secondary administrators and employee accounts.

The secondary administrator only has access to the services defined by the primary administrator. The secondary administrator provides assistance to other users and creates new user accounts. It is important that your company appoint at least one secondary admin-istrator in anticipation of situations where the primary administrator is unable to assist other users or authorize transactions that require two signatures.

The primary and secondary users may create employee accounts and determine the servic-es that are accessible to them. They may not grant access rights that are broader than their own. Employee users do not necessarily need to be company employees (for example, you may grant access to your accountant).

A primary administrator can only be added by the caisse.Primary and secondary administrators can add users.Primary administrators can add secondary administrators or employee users.Secondary administrators cannot create employee users.Employee users cannot create other users.

Secondary administrators and employee users can have the same access rights (or less) as the primary administrator, but their access rights can never be broader.

You can never grant access rights that are larger than your own.



Apr

il 28

, 200

9

Adding a user

Select the 1. Business tab, then Users.Click on the 2. Add a user button.Fill out the Add a user page.3. Click on the 4. Validate button. The new user will be on the list.

Modifying user information

Select the 1. Business tab, then Users.Select the user you want to change.2. Click on the 3. Change button. A new page will open. Make the changes you want.4. Click on the 5. Validate button.

Deleting a user

Select the 1. Business tab, then Users.Select the user you want to delete.2. Click on the 3. Delete button. The user file will be deleted and access rights will be re-moved.

Obtaining more information on a user

Select the 1. Business tab, then Users.Click on the link that corresponds to the user’s name. 2. A new page containing additional information will appear.

Reactivating a user’s password

Make sure you identify the user requesting that his/her password be reactivated. The user code, phone number and mother’s maiden name (which appear on the User page) can be used to confirm the user’s identity.

Select the 1. Business tab, then Users.Click on the radio button next to the user’s name. 2. Click on the 3. Reactivate button. The new password then appears at the top of the page.Send the new password to the user. The user will have to change the password the 4. next time he or she logs on.



Apr

il 28

, 200

9

User details

User details provide information about you. This information can be changed. The mother’s maiden name is used to identify users when they call 1 877 AccèsD A. User can find out what their access rights are. To change these access rights, users can contact their adminis-trator (or their caisse, if they are the primary administrator).

User Codes

Each user has his own user code and password that is determined by the system when the user account is created. The administrator gives the password to the user. This information should be kept confidential.

Creating or changing your password b04

When you log on for the first time, you will have to choose a confidential password to re-place the temporary one you received.

Users can change their password at any time.

If the user enters the wrong password three times in a row when logging on, it will be deacti-vated and they will no longer have access to the system. They must then contact the admin-istrator who is authorized to reactivate the password. Primary administrators who forget their own passwords must contact the E-commerce Services Support Group to reactivate it.

Changing your password

Select the 1. Personalize tab, then Change password.Enter your password in the appropriate field.2. Enter your password again and click on the 3. Validate button.

Reactivating a password

Select the 1. Business tab, then Users.Select the radio button next to the appropriate user.2. Click on the 3. Reactivate button.

Only the caisse or AccèsD Affaires services can reactivate a password for a primary admin-istrator.

The primary administrator can reactivate a password for all users.

The secondary administrator can reactivate a password only for an employee account.

A user cannot reactivate his own password and must ask someone with the appropriate ac-cess rights to do so.



Apr

il 28

, 200

9

Information about your session b05

When you click Quit, you will see a list of all the monetary transactions that were made during your session, as well as a confirmation number for each one. Keep these numbers – they can help you trace your transactions in the future.

Sign transactions b06

If your firm requires two signatures for transactions greater than a set amount, and you make a transaction for an amount exceeding that limit, the transaction will be placed on hold, pending a signature; AccèsD Affaires will inform you of this. Please ensure that trans-actions awaiting signatures are approved, or they will not be carried out.

Several companies require two signatures to authorize a transaction. AccèsD Affaires offers this option. If this is not one of your options but you would like to have it, contact your caisse. If you chose the One signature option, all transactions in all the folios in AccèsD Affaires will be carried out with a single signature, even though these folios require two signatures for transactions made at the caisse.

If you chose the Two signatures option, transactions made in folios requiring just one sig-nature will still only require one signature. All transfers from folios requiring two signatures will require two signatures. When selecting the Two signatures option, you determined a monetary limit, above which a second signature would be required. Transactions for an amount lower than the minimum will not require a second signature.

When users register a transaction (online or in deferred mode), they enter the first signature. The second signature can be provided only by another user with the “Two signatures” option.

Note: A user who is not authorized to sign a transaction can still save a transaction, which will require two authorized signatures to be completed.

Unauthorized transactions will not be completed. It would be prudent to allow more than one user to authorize transactions in anticipation of situations where the authorized user is un-able or unavailable to authorize a transaction.

Signing a transaction

Select the radio button corresponding to the appropriate transaction.1. Click on the Sign button. If the transaction was set up to take place immediately, it will 2. be carried out at this time. If the transaction was set up to take place at a later date, it will be added to the list of pending transactions until the scheduled processing time

Deleting a transaction to be signed

Click the radio button corresponding to the transaction to delete.1. Click on the 2. Refuse button. The transaction will not be carried out.

Manage your business accounts the easy way with AccèsD Affaires

11Cash Management

Nov

embe

r 5,

201

0

Cash Management

General information about accounts and transactions c01

The Cash Management tab groups menus of the chequing accounts, investments, RRSPs and loans registered in your business profile. It also leads to the menus required to generate your net position and financial summary reports. The tab opens the Transaction Accounts page for quick access to regular accounts.

View your information on the Transaction accounts page, which is always up-to-date. You can also make online transactions that will be registered to your caisse account immediately or set them up to take place at a later date. You must take the following into account:

Transactions amounts must be less than $10,000,000.

The amount must be entered without spaces, commas or dollar sign ($). (e.g. 9999.99).

Together with your caisse, you have determined which folios and accounts are to be accessible through AccèsD Affaires, and which transactions are allowed.

All of your business folios, in all caisses in the network, are eligible.

It is possible to register folios that are not held by your company. For example, a head office could include the folios of its branch offices; a single proprietorship could include the personal folios of its owner.

Your caisse has to obtain authorization from the folio holder before giving you access to it.

It is possible to have access to folios in US currency (USD) and other foreign currencies.

Only Canadian currency (CAD) bill payments and government remittances are permitted.

If you are an administrator, you may consult this information in your business profile. Contact your caisse, to change the accounts or operations that are available to your business.

Each user only has access to the functions, accounts and transactions that were selected by the administrator when creating the user file. Unlike Desjardins caisse accounts, access to VISA Desjardins accounts cannot be delegated to only a few. All users have access to the business VISA accounts.

You can cancel a transaction anytime by clicking the Cancel button at the bottom of each confirmation page.

c00


12Cash Management

Nov

embe

r 5,

201

0

Transaction dates

Transactions will not be entered in your accounts on Saturdays or Sundays. Even though AccèsD Affaires is available seven days a week, there are only five business days. Satur-days, our computer system uses Friday’s date, and Sundays, it uses Monday’s date.

Our computer system does not change dates at midnight, but earlier in the evening. For instance, a transaction performed at 11 p.m. will be dated the following day. (The exact time of this change depends on the day.)

The caisse’s month-end depends on the following schedule:

Month-end falls on a... The caisse’s month-end is in the night from...

Sunday Saturday to Sunday

Monday Monday to Tuesday

Tuesday Tuesday to Wednesday

Wednesday Wednesday to Thursday

Thursday Thursday to Friday

Friday Saturday to Sunday

Saturday Saturday to Sunday

Online and deferred transactions

You can set up transactions to take place immediately or at a later date. When you set them up to take place immediately, your caisse accounts are updated right away.

You have access to the information in real-time, as though you were at the caisse counter.

You can also set up transactions to take place later on, by selecting the date you want it to be completed.

Obtaining additional information about an account

Select the 1. Cash Management tab.Select an account (transaction, RRSP, investment or RRSP) and the appropriate 2. menu.In the 3. Account column, click the number for the desired account. A new page contain-ing the information will appear

Adding an account description

Select the 1. Cash Management tab.Determine which account you want to personalize.2. In the Account column, click the number for the desired account. A new page contain-3. ing the information will appear.Click on the “4. Modify” link located next to “Account name”. Enter the description in the field and click on the 5. Confirm button.


13Cash Management

Nov

embe

r 5,

201

0

Funds Transfers c02

How it works

Transfers: periodically transfer funds between accounts

Make your life easier and use AccèsD Affaires to transfer funds between accounts held at your caisse or at different caisses. You can make transfers between your chequing, regular savings, and /or your Business Freedom Solutions Line of Credit accounts.

Use AccèsD Affaires to determine or change your transfers

You can even program your transfers in advance and select the frequency you want:

• daily • bimonthly (the 15th and 30th of each month) • weekly • quarterly • every two weeks • semi-annually • monthly • annually

Fast, user-friendly and safe

Access rights

Transactions involving fund transfers can be signed electronically by one or more people. (There may be more than two signers in the company). Users may only access the features, accounts and transactions that the administrator chose when their user files were created.

How to register

Generally, the Cash Management service, including transfers, cash advances and line of credit refunds, is activated when the AccèsD Affaires file is opened. If this is not the case, only your caisse or AccèsD Affaires services can activate these features for your company.

User fees

Contact your account manager or AccèsD Affaires for rates.

Several advantages

A summary of your transactions is displayed at the end of each session and will provide a • confirmation number for every transaction that was carried out. This summary is • printable so you can keep it for your records. Cut back on paperwork• and manual processing.View • all of your company accounts in a wink.Option of including all of your personal accounts• in the company file (chequing ac-count, line of credit, loans, VISA Desjardins). The following information is provided for each account: the account balance in Canadian or U.S. funds; deductions, available line of credit for this account and account balances in one or several caisses.Access anytime, anywhere• . Conduct your business anytime and anywhere in the world.


14Cash Management

Nov

embe

r 5,

201

0

Making a funds transfer

Select the Cash Management tab, then Transaction accounts.

For a one-time transfer

Select the source account and the target account.1. Enter the amount as well as the date. Then, select the frequency.2.

Click on the 3. Validate button.

Making multiple inter-currency transfers

Enter the amount(s) next to the appropriate accounts of the same currency. 1. Enter an asterisk (*) after the amount in the To column so the system converts the amounts.2.

Select a frequency, then click on the 3. Validate button.

Note: that the same transaction can be made in the reverse, that is, a transfer can be made from one account to several accounts.


15Cash Management

Nov

embe

r 5,

201

0

Paying your line of credit

Your payment will be processed in the following manner. The payment will be applied only to the principal, up to the total amount you want to pay back. This is to your benefit because:

it restores your line of credit; • the interest is based on the principal; by reducing the principal, you reduce the interest. •

If your payment covers the whole principal, we will apply the surplus to the accrued interest.

To make a payment to your line of credit

Select the 1. Cash Management tab, then Transaction accounts. Select the account from which you wish to make the payment by clicking the corre-2. sponding radio button in the From column.Select the line of credit account you wish to pay by clicking the corresponding radio 3. button in the To column.Enter the amount of the transaction in the Amount field, under the list of accounts.4. Select the frequency (Immediately/Online) in the dropdown menu, and enter the trans-5. action date. Line of credit payments are always made immediately.Click on the 6. Validate button to go to the confirmation page.

Making a VISA Desjardins cash advance

To make a VISA Desjardins cash advance

Select the 1. Cash Management tab, then Transaction accounts. Select the account from which you wish to make the payment by clicking the corre-2. sponding radio button in the From column. Select the account into which the advance should be deposited. For VISA Desjardins 3. cash advances, you can only select a chequing account (PCA) or a regular savings ac-count (RS) in Canadian funds.Enter the amount of the transaction in the Amount field, under the list of accounts.4. Select the frequency (Immediately/Online) in the dropdown menu, and enter the trans-5. action date. VISA cash advances are always made immediately.Click on the 6. Validate button to go to the confirmation page.

Paying a VISA AccordD Plan

Select the 1. Cash Management tab, then Transaction accounts. Select the account from which you wish to make the payment by clicking the corre-2. sponding radio button in the From column. Select the accord D plan you wish to pay by clicking the corresponding radio button in 3. the To column. Enter the amount of the transaction in the Amount field, under the list of accounts.4. Select the frequency (Immediately/Online) in the dropdown menu, and enter the trans-5. action date*.

To complete the transaction immediately (online): • select “Immediately/Online” To program the transaction for a later date: • select the frequency and “Just once” and enter the transaction date.

Click on the 6. Validate button to go to the confirmation page.

* When you pay your accord D plan online, the balance is updated immediately. In some cases where contact with VISA Desjardins headquarters is interrupted, a few hours may pass between the time your payment is programmed and the time your accord D plan is updated. Just click on the VISA account number at the Cash Management tab for the date your payment was received.


16Cash Management

Nov

embe

r 5,

201

0

Pending transactions

Viewing, modifying or deleting a pending transaction

Use this function to view your pending account transactions or your government remittances.

To view a pending transaction

Select the 1. Cash Management tab.Then select 2. Transaction accounts. Select the appropriate account in the “Pending” column. 3. Click on the 4. List button.

The Pending transactions page lists the transactions that will be made by your business.

Sorting the table

Use the 1. Display dropdown menu to select the type of transaction that should appear in the table (all transactions pending, transfers pending and bill payments pending).Select the sort criterion from the “In order of” list.2. Click on the 3. Display button.

Modifying a pending transaction

Click on the radio button next to the appropriate transaction.1. Click on the 2. Modify button and a new page will appear.

Deleting a pending transaction

Click on the radio button next to the appropriate transaction.1. Click on the 2. Delete button and the selected transaction will be removed form the table.


17Cash Management

Nov

embe

r 5,

201

0

Description of the fields:

Field Description

Frequency and date Frequency and date of the next transaction

From Caisse, folio and account where the money will be withdrawn

To For a transfer: caisse, folio and account where the money will be deposited For a payment: organization to whom the payment will be made

Amount From ($) Withdrawal amount

Amount To ($) Deposit amount

Origin If your company is a member of Caisse centrale Desjardins and registered for the Reconciliation/consignment service:

The “Origin” column is at the left side of the table. For manually-saved transac-tions, there is no value in this column.

When you send cheques before their issue date, the transfer from the main account to the CC account appears in the table of pending transactions; the “Origin” column then contains the notation “Transmission”. The transfer will automatically be done on the date of the next transaction. This transfer cannot be changed or deleted.

Questions/Answers

Questions Answers

Why use the Cash Management service if I can make all these transactions at an ATM?

The Cash Management service will save you time and help you avoid waiting in line.

My company is small and I don’t make enough trans-actions to merit the service.

No company is too small to benefit from the AccèsD Affaires service. In fact, saving time is more important than the size of the company.

I don’t want my accounting clerks to have access to account balances.

As the primary administrator for your AccèsD Affaires file, you can assign access rights to whomever you choose for each account.

One of my employees already takes care of this kind of transaction.

Your employee can use AccèsD Affaires in whatever capacity you choose, which will free up his or her time and increase productivity.

Would you like additional information about this function?

1 877 ACCÈSD A


18Cash Management

Nov

embe

r 5,

201

0

Technical information

Deferred transfers

You should register, modify or delete your pending transactions at least two days before • the expected transaction date. After that, it is still possible to manage your pending transactions, but you must keep in • mind the following restrictions:

Adding a deferred transfer: The addition must be made at least one business day be-• fore the transaction is to be carried out. AccèsD Affaires will inform you of the nearest date on which the transaction can be carried out. Deleting a pending transfer: It is possible to delete a transaction that was planned for • the same day, as long as it is eliminated before 6 p.m. AccèsD Affaires will inform you if it is impossible to delete the transaction. Modifying a pending transfer: It is possible to modify a transaction that is planned for • the same day, as long as it is done before 6 p.m. You must specify the date of the next transaction, which may be the following day, at the earliest. AccèsD Affaires will inform you of the closest date on which the transaction can be carried out.

Automatic use of line of credit for deferred transfers:

In the case of a deferred transfer, if the source account is a regular account linked to a line of credit, check the Use LC box if you want the line of credit to be used if the regular account funds are insufficient.If you don’t check the box and the regular account funds are insufficient at the time of the transaction, the transaction will not go through.

Transfer processing dates

When is a pending transaction processed? You decide. But, since there are only five busi-ness days per week, some transactions may not be carried out on the date you choose.

If the transaction falls on a...

It will be carried out in the evening of...

The transaction will be dated on...

Sunday Monday Monday

Monday Monday Monday

Tuesday Tuesday Tuesday

Wednesday Wednesday Wednesday

Thursday Thursday Thursday

Friday Saturday Friday

Saturday Monday Monday


19Cash Management

Nov

embe

r 5,

201

0

Net position

Use the net position simulation service to get a PDF report of your company’s business standing, which can help you make investing and cash management decisions. Create up to 21 models, where each model is a grouping of personal or business accounts that you want to use to determine your net position. Select from your loans, chequing and savings accounts, and VISA products to generate a net position report.

Create models for the net position simulation

To create your models:Select 1. Manage models.Click on 2. Add a model.From the accounts registered in your AccèsD Affaires file, select the ones you want to 3. include in the model. By default, scheduled transactions for each selected account are included.Choose a title for your model.4. Click on the 5. Validate button to confirm and add the model to you list.

You can also modify or delete a model.

Generate your net position report

Use this function to determine your net position on a given date, using the models you created.

Select the model you want to use to generate your report. 1.

Enter the period you want to consider for your net position. 2.


20Cash Management

Nov

embe

r 5,

201

0

Select the desired CAD or USD exchange rate. You can also enter an exchange rate 3. that is different from the current rate.

Enter, if required, additional amounts for cash inflow and outflow. 4.

Select the report format (Summary or detailed). 5.

Click on the 6. Validate button to generate your net position report.

The following transactions are not taken into consideration for net position reports:Direct deposits, preauthorized withdrawals, payroll transactions and Can-Act government remittances. You can enter the values manually as additional cash inflow and outflow.

The primary administrator may delegate access to this service to another person in your company or to a third party. However, the third party may not create models and may only generate a report for the accounts he or she has access to.

The net position reports are confidential. Only you and other authorized users have access to them.


21Cash Management

Nov

embe

r 5,

201

0

Financial summary

The Financial summary provides online access to a PDF report of the assets and liabilities in your AccèsD Affaires file. Select the desired currency for your financial summary or manually enter a CAD or USD conversion rate.

Generate your financial summary

Use this function to get a financial summary of your AccèsD Affaires file. It lists all the assets and liabilities in your AccèsD Affaires file, whether they belong to you personally, to your company, to a subsidiary or to a third party.

Select a currency (CAD or USD) for the desired exchange rate.1. You can also manually enter an exchange rate.2. Click on the 3. Validate button to confirm the information and get your financial summary.

The primary administrator may delegate access to this service to another person in your company or to a third party. However, the third party may only get the financial summary of the company using the accounts he or she has access to.

The financial summary results are confidential. Only you and other authorized users have access to them.


22Cash Management

Nov

embe

r 5,

201

0

Account consolidation c03

The account consolidation service allows you to view the details of the balance of each account included in your company’s account consolidation, whether it be in Canadian or U.S. dollars, as well as of the funds available for consolidation1, if applicable.

The account consolidation service also allows you to get net result interest calculation reports online. The reports, available in both summary and detailed versions, display data of the last 18 months, for a maximum of 31 days at a time. The reports are available in CSV format so they can be imported into the software of your choice, (e.g. Excel) or printed out.

Primary administrators may delegate the account consolidation service to another user.

1. Funds available for consolidation are made up of all account credit balances less any funds the caisse is authorized to temporarily withhold, less any account debit balances, plus any line of credit available balance. Funds available for consolidation are calculated in real time over the course of the day after each monetary transaction made in any of the consolidated chequing accounts.

Select an account consolidation

From the left-hand menu, select Account consolidation to view all your company’s account consolidations and their status.

Select the account consolidation for which you’d like to view details.


23Cash Management

Nov

embe

r 5,

201

0

View details of an account consolidation

The Account consolidation – Details page displays account consolidation information as of today’s date. The information displayed varies according to whether it is an account consolidation with funds available for consolidation or without funds available for consolidation. If applicable, funds available for consolidation are displayed in real time.


24Cash Management

Nov

embe

r 5,

201

0

View interest calculation reports (interest on net credit results)

The Account consolidation – Details page gives you 2 options with which to access inter-est calculation reports: the “View interest calculation reports” link in the upper right-hand por-tion of the screen, or the View interest calculation reports button at the bottom of the page.

Select the time period for the interest calculation. Calculation of daily net result interest is performed:

around 7:00 a.m. Tuesday to Friday, for the end-of-day net result of the previous day • around 7:00 a.m. Sunday, for Friday, Saturday and Sunday net result•

Interest is tallied daily in the consolidation master account, and credited or debited on the first business day of the following month, as appropriate.

Net result interest calculation reports display data of the last 18 months, for a maximum of 31 days at a time.

Summary and detailed reports are available in CSV format so they can be imported into the software of your choice, (e.g. Excel). Summary reports are also available directly on-screen.

CSV reports are opened with the following file name by default:E.g. S00006820090424105601[1].csv, where:

“S” stands for summary report• “000068” is the 6-digit account consolidation number• “20090424” stands for the day’s date (year, month, day)• “105601” stands for the time report was requested (hour, minute, second)•

Special note: To save the report in Excel format (.xls), user must first delete the following information from the file name: [1].


25Cash Management

Nov

embe

r 5,

201

0

Example of a summary net result interest calculation report

Summary reports are available directly on-screen or in CSV format. Detailed reports are available in CSV format only.

Investment purchase

26Investment purchase

Apr

il 28

, 200

9

Investment purchase

Description

Do you want to invest to save for a project or for your income tax payment? Use the AccèsD Affaires Investment Purchase function to buy your capital-guaranteed investments online.

You can make investments independently on AccèsD Affaires as you need. Investment products are available in Canadian or U.S. funds with terms ranging from less than 1 year to 5 years, depending on the product you choose. They may or may not be redeemable before maturity.

You can make your investment purchase and open your investment account online. You will receive your investment certificate by mail.

Fast, easy to use and secure

Authorization

The feature can be accessed by the primary administrator who may delegate access to any other user.

If the folio where the funds are being withdrawn from requires two signatures on AccèsD Affaires, the investment will only be completed if the second user (authorized signatory) electronically approves the transaction.

How to register

The Investment Purchase function is automatically available when you open an AccèsD Af-faires file. Only your caisse or AccèsD Affaires services (1-877-AccèsDA) can deactivate this function for your business.

Service charges

Investment Purchase on AccèsD Affaires is free.

cd00

Investment purchase


Apr

il 28

, 200

9

Purchase investments

Select the Cash management tab and then click Investment purchase in the left-hand menu.

Select a term savings product. Click the icon to find out more about the product. 1.

Select a folio for the term savings and click the 2. Validate button.

Select a term (except redeemable term savings where the default term is 1 year). 3.

Select a renewal option and interest payment method. 4.

Select the folio to be used for the payment, enter the investment amount, then click on 5. Validate.

The confirmation page presents a recap of the options you chose. The address listed is the one on file at your caisse. In case of error, please contact your caisse or business centre to change your address before confirming your transaction. Your deposit certificate will be sent to the address on the confirmation page.

Investment purchase


Apr

il 28

, 200

9

Questions and answers

Questions Answers

What are the rates on investment products? The rates offered online are competitive and identical to the rates at your caisse or business centre. The rates are listed on AccèsD Affaires when you select a product.

Is the investment purchase process the same if I want to invest a large amount (e.g.: $250,000 and up)?

We suggest that you contact your account manager who will present various products that suit your needs.

If my address is confidential, where will my deposit certificate be sent?

The certificate will be sent to your caisse or business centre, to the advisor or account manager in charge of your file. You can contact them to make arrangements to get your certificate.

Need more information about this function?

1 877 ACCÈSD A


29Inter-currency Transfers

Nov

embe

r 9,

200

9

Inter-currency Transfers

How it works

Inter-currency transfers: an easy way to periodically transfer funds between accounts

Make your life easier and use AccèsD Affaires to transfer funds between your CAD and US accounts, at your caisse or at different caisses. You can make transfers from your business directly and at the rates in effect at the time of the transfer.

How to register

Businesses with US accounts in AccèsD Affaires can make inter-currency transfers. How-ever, you need an electronic signature and the primary administrator’s password to activate this function the first time.

Access rights

Inter-currency transfers can be signed electronically by one or more people (there can be more than two signers in the company). In the case of transactions to sign, the exchange rate that will apply is the one in effect at the time of the second signature. Users may only access the features, accounts and transactions that the administrator chose when their user files were created.

User fees


Several advantage

• Simple and quick – Make inter-currency transfers with just a few clicks, right at your desk. • Efficient – Cut down on paperwork. You can even delegate part of this function by giving your employees partial access rights in AccèsD Affaires. • Profitable – Take advantage of the international market exchange rates. • Useful – Access anytime, anywhere. • Secure – As primary administrator, maintain control of access rights and all the possibilities of AccèsD Affaires.

d00



Nov

embe

r 9,

200

9

Making an inter-currency transfer d01

Select the Cash Management tab, then Transaction accounts.

Making a single inter-currency transfer

1. Select the source account (From) and the destination account (To).2. Enter the amount and select a currency.3. Click on the Validate button.

You will then have to accept the exchange rate in effect and complete the transaction by clicking on the Confirm button within 60 seconds.



Nov

embe

r 9,

200

9

Making multiple inter-currency transfers

1. Enter the amount(s) next to the appropriate accounts of the same currency. 2. Enter an asterisk (*) after the amount in the To column so the system converts the amounts.3. Select a frequency, then click on the Validate button.

Note that the same transaction can be made in the reverse, that is, a transfer can be made from one account to several accounts.

Questions/Answers d02

Questions Answers

Why do I have to accept the exchange rate and the transaction in less than 60 seconds?

The exchange rate applied to the transfer has to be refreshed every 60 seconds to be in synch with the going rates. There is a new rate after 60 seconds.

I do a lot of inter-currency transfers each year and the online solution doesn’t completely meet my needs.

We strongly recommend that you contact your caisse to find a service that is better-suited to your needs.

I can’t program an inter-currency transfer to take place at a later date. Why?

For the applied exchange rate to correspond with the going rate on the market, you have to approve the daily rate when making your transfer. Unfortunately, it is impossible to set up this transaction ahead of time, since rates change every day.

I don’t have this option in AccèsD Affaires. You have to have at least one US account and one CAD account in your AccèsD Affaires profile. If you don’t, please contact your caisse to open or add an account.

I can’t make multiple transfers from one CAD account and one US account into a CAD account.

To make multiple transfers, the source accounts (and the destination accounts) have to be of the same cur-rency.


1 877 ACCÈSD A



Nov

embe

r 9,

200

9

Technical information d03

Inter-currency transfers can be made 24 hours a day between your CAD and US accounts, where these accounts are at one or several caisses.

However, we recommend that you make these transactions during market hours (8 a.m. to 4:30 p.m.) on business days in order to get the best rates.

For transactions requiring a signature, the rate that applies is the rate in effect at the time of the second signature.

Since the exchange rate applicable to an inter-currency transfer must be the one in effect when the transfer is carried out, this transaction can only be done online. Therefore, it is not possible to make deferred inter-currency transfers.

Transfers cannot be made to make payments on a line of credit.

Once an inter-currency transfer is completed and confirmed, it can still be cancelled.

Accès D Affaires makes paying bills easier

33Bill Payments

Nov

embe

r 9,

200

9

Bill Payments

How it works

Pay bills: anytime, anywhere

Use AccèsD Affaires to pay many of your public utility, municipal tax and credit card bills. In fact, you can pay bills from over 2,100 suppliers.

You can pay them immediately or set a payment for a later date. You can also select auto-matic instalments for your fixed amount payments and choose the frequency you want. Or, you can add, change or delete bills in your business profile.

User fees


Paying a bill e01

Select the 1. Payments tab, then Bills.

Enter the payment amount.2. Select a date and frequency in the appropriate column. 3.

Note: You can make a payment immediately, set it up to take place at a later date (within a maximum time period of 12 months) or set it to take place repeatedly, as often as you want (e.g.: daily, weekly, monthly, etc.).

In the lower part of the screen, select the account from which the payment is to be with-4. drawn and click Validate.

e00


34Bill Payments

Nov

embe

r 9,

200

9

Adding, modifying, reordering or deleting a bill or a service provider e02

There are over 1500 service providers whose bills can be paid in AccèsD Affaires. When you log on the for the first time, you can create a list of service providers in your profile and pro-vide a specific description of each one (e.g.: Bell Canada / factory phone). To do this, select Service providers under the Business tab. Use this menu to later add, modify or delete a service provider from the list.

Adding a service provider

Select the 1. Business tab, then Service providers.Click on the 2. Add a service provider link or button.Use the full or partial name to search to look for the service provider in the list, then click 3. on the Search button.Select the appropriate name and then click on the 4. Validate button.Enter a description, then click on the 5. Validate button. The name will be added to the list.

If the service provider is VISA Desjardins, you can:

proceed as described above; • save your VISA Desjardins account as a caisse account; you can then pay your bills, • check your account balance and transaction statements. Contact your caisse or call 1 877 AccèsD A for this option.

Modifying a service provider’s information

Select the 1. Business tab, then Service providers. Select the desired name.2. Click on the 3. Modify button. Enter the new information on the page that appears. Click on the 4. Validate button.

Important! Reference number modifications will not be applied to bills pending payment.

Reorder list of service providers

Select the 1. Payments tab, then click on the link “Change service provider list”.Click on the 2. Reorder button. A new page will appear.Indicate the order in which you want service providers to appear and then click on the 3. Confirm button. Service providers will now be listed in the order requested.


35Bill Payments

Nov

embe

r 9,

200

9

Deleting a service provider

Select the 1. Business tab, then Service providers. Select the desired name.2. Click on the 3. Delete button. A confirmation page will appear.Click on the 4. Validate button. The name will be removed from the list.

Important! If you saved deferred payments for this service provider, they will be carried out as planned.

Note: The list of service providers can also be added in the Payments section. To do so, just click on the link Change service provider list on the Bill payments page.

Questions/Answers

Questions Answers

Why should I pay my bills in AccèsD Affaires when I can pay them at an ATM?

Using AccèsD Affaires will save you time and help you avoid waiting in line.

I have to pay my bills by cheque because my busi-ness account is a two-signature account so how can this be useful to me?

You can use the AccèsD Affaires Cash Management service to manage your two-signature accounts and designate signers. This way, your transactions have to be approved by two people before they are complet-ed. It is possible to require two signatures for transac-tions over a certain amount.

Why should I use the service when one of my employ-ees already takes care of this kind of transaction?

Your employee can use AccèsD Affaires within the access rights predetermined by you. This will save time and allow your employee to concentrate on other tasks.

What happens if some of my service providers do not appear on the list of organizations eligible in AccèsD Affaires?

Every day, new service providers are added to the 2,100 that are already on the list. Furthermore, you can use the data transmission service to deposit money directly into the account of a service provider that is not yet on the list.


1 877 ACCÈSD A


36Bill Payments

Nov

embe

r 9,

200

9


Use the Bill Payments and Government Remittance services to pay your bills and send your payments to the government.

Note: If the service provider’s name is not listed on the page, add it by clicking on Change service provider list.

Service providers

Service providers listed in AccèsD Affaires have an agreement with Desjardins. You can review the list of available service providers under the Payments tab, in the Service provid-ers menu. New service providers are added regularly.

Only the primary administrator can manage the list of service providers available in AccèsD Affaires.

Reference number

Service providers use reference numbers to track payments.

When you add a service provider, have your bill on hand and take note of the reference number. This number varies from one company to another and may appear in different places on the bill, under different names: client number, file number, etc. AccèsD Affaires will let you know where each company lists this number.

We make sure that reference numbers are valid; we cannot check whether the number cor-responds to the service provider in question. When you make your first payment, you should confirm that it has indeed been applied to your account.

Payments to service providers

Payments made to companies other than VISA Desjardins are not transmitted directly to them. Generally, companies consider the payment date to be the date the withdrawal is made from your account, though they may not receive the payment until the next business day. To avoid paying late penalties, make your payments at least one business day before the payment due date.

When you pay your VISA Desjardins bill (or your accord D plan), the balance is updated immediately. When contact with VISA Desjardins headquarters is interrupted, a few hours may pass between the time your payment is programmed and the time your accord D plan is updated. Click on your VISA account number under the Cash Management tab.


37Bill Payments

Nov

embe

r 9,

200

9

VISA Desjardins Accounts

If you want to pay your VISA Desjardins account, you can:

proceed as described above; • contact your caisse or AccèsD Affaires Services (• 1 877 AccèsD A) and ask them to save your VISA Desjardins account as a caisse account; you can then pay your bills, check your account balance and transaction statements and even view the accordD plans linked to the account. Contact your caisse for this option.

When you pay your VISA Desjardins account directly from the list of accounts under the Cash Management tab, the balance is updated immediately. In some cases where contact with VISA Desjardins headquarters is interrupted, a few hours may pass between the time your payment is programmed and the time your accord D plan is updated. Click on your VISA account number under the Cash Management tab.

Deferred transactions

It is preferable to save, change or delete your deferred transactions at least two days • before the scheduled date. After this, you can still make changes to your deferred trans-actions but you will have to consider the following:

Adding a deferred payment: a payment must be added as least one business day be-• fore the scheduled processing date. AccèsD Affaires will let you know when the transac-tion can be carried out. Deleting a pending payment: a pending payment can be deleted at any time. • Changing a pending payment: Scheduled bill payments can be changed the same day, • as long as it is done before 12:30 p.m. Government remittance payments can be modi-fied the same day they are scheduled to take place, provided change is made prior to 7:00 a.m. Specify the date of the next transaction: the next business day at the earliest. AccèsD Affaires will inform you of the closest date on which the transaction can be car-ried out.

When is a pending transaction processed? • You decide. However, some transactions may not be carried out on the date you choose since there are only five business days a week.

You set a transaction for the 31st of every month. What happens in April, which only has • 30 days? The transaction will be processed as if it were scheduled for the 30th of the month.

Sometimes, it may not be possible to complete a transaction (e.g.: insufficient funds in • the account). AccèsD Affaires will issue an alert and let you know when you next log on. You can check and produce a statement of your rejected transactions anytime.


38Bill Payments

Nov

embe

r 9,

200

9

Payment processing

If the transaction falls on a... The transaction will be carried out on the...*

The transaction will be dated the...






Friday Saturday Friday


* Government remittances are processed in the morning. Bill payments are processed between noon and 2 p.m..

Save time by using AccèsD Affaires for yourgovernment tax and contribution remittances

39Government Remittances - 815 (Québec)

Nov

embe

r 9,

200

9

Government Remittances - 815 (Québec)

How it works

Government remittances: making your payments to the government

AccèsD Affaires allows you to file your tax returns directly online and make immediate or deferred payments without further worry.

The electronic tax forms are similar to the paper forms that you already use. You can com-plete forms, modify them or delete them up until the time payment is made. Once you have filed, you may either pay immediately or at a later date, at your discretion!

Does an employee or your accountant handle your government remittances? Delegate the entire transaction process while maintaining overall control!

Advantages

• Simple – Identical to paper forms, but simplified. • Practical – This function allows you to complete government remittance forms and select a date of payment that is convenient for you. You can also set up remittances to be made at a later date. • Useful – Once filled in, forms can be saved on your hard drive or printed out for your records. • Secure – A confirmation number is provided to acknowledge that Desjardins has received your instructions. • Fast – Allows you to eliminate the usual paperwork and save time.

User fees

Making government remittances on AccèsD Affaires is the most cost-effective way to pay this sort of transaction. Check our user-fees on Desjardins.com or contact your account manager or an AccèsD Affaires advisor for information on the best rate plans for your business.

f00



Nov

embe

r 9,

200

9

Government remittance forms available in AccèsD Affaires

Québec Government Canadian Government(Québec-based companies)

SOURCE DEDUCTIONS

Source deductions and employer contributions (forms TPZ-1015.R.14.1, TPZ-1015.R.14.2, TPZ-1015.R.14.3,TPZ-1015.R.14.4)

Current source deductions (forms PD7A, PD7A(TM), PDA-RB)

Summary of Source Deductions and Employer Contributions (RLZ-1.S)

Source Deductions Arrears Remittance Voucher (PD7D)

INCOME TAXES

Monthly remittance of income tax, tax on capitalor compensation tax by a corporation(forms COZ-1027.R, COZ 1027.S)

Business remittance voucher - Interim payments (forms RC97, RC98, RC99, RC100, RC160)

Instalment payments made by an individual(for self-employed workers, form TPZ-1026.A)

Business remittance voucher - Amount owing (RC159)

Instalment remittance(for self-employed workers, form INNS3)

TAXES

GST/HST-QST (form FPZ-500)

GST/HST-QST instalment payments (form FPZ-558)

Support payments (form PPA-101)

GST/HST (form FPZ-34)

QST (form VDZ-471)

Tax on insurance premiums (VDZ-527)

Specific duty on new tires (VDZ-541.49)

Making government remittances f01

Important! Forms must first be added to your AccèsD Affaires Business file before they can be used.Refer to the “Add, change or delete a government remittance form” section for procedure.

Selecting a remittance form

To make a government remittance or send in a refund request:

1- Select the appropriate form from the list of available forms entered in your file. 2- Under the Payments tab, select Government remittances. 3- In the Forms column, select remittance and click on the Open button.



Nov

embe

r 9,

200

9

Completing a remittance form

The form displayed contains key company information.

1- Complete the fields as you would a paper form.2- Check that amount to be remitted matches the amount you had previously calculated.3- Print the completed form and keep it for your records. 4- Click on the Calculate button (if it appears on the form).5- Print the form, and then click on the Validate button.

Making a remittance

If your declaration results in a payment (an amount payable or due), go to the Government remittances – Step 3: Select frequency, date and source account page and save pay-ment amount. The amount of payment will automatically appear next to the appropriate remittance in the “Amount” column.

To complete the transaction, select the frequency and the account to be debited, and click on the Validate button.

Then, just confirm the transaction by clicking on the Confirm button.



Nov

embe

r 9,

200

9

Refund requests or zero balances

The following remittance forms can also be used to make refund requests.

• GST/HST-QST (form FPZ-500)• GST/HST (form FPZ-34)• QST (form VDZ-471)

If your return results in a refund request (or a zero payment) the page below will be dis-played once all fields have been filled in and the Calculate and Validate buttons clicked. Select the frequency and date on which you would like your remittance to be sent, and click on the Validate button.

Note : This page is displayed so you can also select the date on which to send in a form with a zero payment.

Adding, modifying or deleting a government return form f02

Adding a form to your AccèsD Affaires business file

Remittance forms must first be entered in your AccèsD Affaires Business file and custom-ized to include company identification information. Forms can then be used to send remit-tances and payments.

To add a form:

1. Select the Business tab, then Government remittances.2. Click on the Add a form button.

Note: The “Add a form” link can also be used to access list of remittances to be added.

Fill in the fields requesting company identification information on each appropriate form and click on the Validate button. The form can then be accessed from your Business file and can be filled out and sent at any time.



Nov

embe

r 9,

200

9

The information entered in the “Company name” field will appear on all Canada Revenue Agency (CRA) remittance forms. The CRA requires this information be included in all remit-tances forwarded to the agency. This field only needs to be filled out once, and will appear on all subsequent forms.

Deleting a form

1. Select the Business tab, then Government remittances. 2. Click a button to select the desired form. 3. Click on the Delete button; the documents will be deleted from the list.

Important: Payments set up to be made at a later date will be carried out as planned even if the form is deleted.

Modifying a form

A form cannot be modified; it must be deleted from the list and a new form added to the business file with the new information.

1. Select the Business tab, then Government remittances. 2. Click on a button to select the form you would like to change.3. Click on the Delete button.4. Click on the Add a form button to add a new form to the list.



Nov

embe

r 9,

200

9

Questions/Answers

Questions Answers

Why make government remittances in AccèsD Affaires when I can make all these transactions at the ATM?

Using AccèsD Affaires saves you time and you don’t have to wait in line.

I cannot make partial government remittance pay-ments. Is this normal?

Yes. Partial government remittance payments cannot be made using AccèsD Affaires. However, it is possi-ble to make partial payments on the Revenu Québec Web site in collaboration with Desjardins. This service is a Desjardins exclusive!

Paying my government remittances this way is costly to my business.

We strongly recommend that you contact your ac-count manager to discuss the possibility of a package deal covering all of your transactions. You may be able obtain a better rate.

I prefer doing it myself on paper. The online form is identical to the paper form, but already customized to your company.

I must issue cheques because my business account requires joint signatures.

The AccèsD Affaires Cash Management service allows you to manage transactions requiring two signatures by granting signatory rights to persons authorized to sign. Transactions can therefore be approved by both signatories and be completed. You may require two signatures for transactions exceeding any given amount.

One of my employees is already handling these trans-actions.

This employee can be authorized to use AccèsD Af-faires according to the level of access you choose to grant. The employee saves time that can be used for other tasks that are more profitable to your business development.


1 877 ACCÈSD A



Nov

embe

r 9,

200

9


The government remittance service allows you to complete and file returns and make pay-ments or refund requests.

Forms

The following forms are available to Québec-based companies:

Ministry/Agency Return Form

Revenu Québec Source deductions and employer contributions TPZ-1015.R.14.1, TPZ-1015.R.14.2, TPZ-1015.R.14.3, TPZ-1015.R.14.4

Summary of Source Deductions and Employer Contributions

(RLZ-1.S)

Monthly tax payments by a corporation COZ-1027.R, COZ-1027.S

GST-QST FPZ-500

GST FPZ-34

QST VDZ-471

GST-QST instalment payments FPZ-558

Instalment payments by an individual TPZ-1026.A

Support payments PPA-101

Tax on insurance premiums (VDZ-527)

Specific duty on new tires (VDZ-541.49)

Canada Revenue Agency

Current source deductions PD7A, PD7A(TM), PD7A-RB, RC107

Source Deductions Arrears Remittance Voucher (PD7D)

Business remittance voucher - Amount owing (RC159)

Business remittance voucher - Interim payments

RC97, RC98, RC99, RC100, RC160

Instalment payments by an individual INNS3

Government tax returns cannot be carried out on a recurring basis.

Government tax payments must be deducted from a business chequing account (PCA) or regular savings account (RS).

Partial payments are not accepted.

Payments must be deducted in their entirety from a single account.

The date of payment may not be later than 90 days from today’s date.



Nov

embe

r 9,

200

9

Identification numbers and Business Numbers

Revenu Québec uses an identification number and a Québec enterprise number (NEQ) to determine which company has filed the return. The Canada Revenue Agency uses a Busi-ness Number or an account number.

When you add a form to your file, have your paper forms on hand to able to enter your company’s identification and business numbers in the appropriate field.

We ensure the format is correct, but cannot verify that the numbers are truly those assigned to your company.To be safe, please verify that your very first payment has been well re-ceived by the appropriate ministry or agency.

Payment availability

Returns are not sent in real time to the ministry or agency. To avoid late fees or penalties, please send your payments within the deadlines indicated in the user agreement.

Online registration for the Government Remittance Service

If you were already using AccèsD Affaires to make bill payments prior to June 2000 when the government remittance service was introduced, you can register for the Government Remittance Service online.

1. Select the Business tab, then Government remittances.2. Click on the Send government remittances button. This will bring up the service’s terms of use and a registration screen.

Otherwise, you automatically have access to the government remittance service.

Payment processing

If the transaction falls on a... The transaction will be carried out on the...*

The transaction will be dated the...






Friday Friday Friday


* Government remittances are processed in the morning.


47815 (Québec) Can-Act government remittances

Jul

y 31

, 200

9


How it works

AccèsD Affaires gives you access to new government remittances via the Can-Act service, which is overseen by our partner TELUS.

If your company does business in other provinces, you can use Can-Act to make your pay-ments to those governments.

You can manage your government payments efficiently and securely, just like you do on Ac-cèsD Affaires:

• File your returns. • Make your payments online or set them up for a later date. • Manage your transactions, if needed. • Check the future dated returns and change them, if required. • Check your transaction history.

User fees

Rates for Can-Act remittances are the same as for Desjardins remittances.

Available forms in Can-Act

Province Form

Alberta Alberta Finance - Corporate Income Tax

Alberta Finance - Fuel Tax Collectors

Alberta Finance - Fuel Tax - Railway Companies

Alberta Finance - Health Costs Recovery

Alberta Finance - Tourism Levy

Alberta Finance - Insurance Corporations Tax

Alberta Finance - International Fuel Tax (IFTA)

Alberta Finance - Propane Tax Collectors

Alberta Finance - Tobacco Tax

Alberta Teacher’s Retirement Payment

Alberta Teacher’s Association Payment

Alberta School Employee Benefit Payment

Alberta School Employee Heath spending account

British Columbia Provincial Sales Tax – British Columbia

fg00



Jul

y 31

, 200

9

Ontario Payment to Family Responsibility Office – Ontario(Ministry of the Attorney General - Family Responsibility Office)

Corporate Tax Administration for Ontario

Retail Sales Tax - Ontario

Employer Health Tax - Ontario


Saskatchewan Provincial Sales Tax - Saskatchewan

Liquor Consumption Tax – Saskatchewan

Fuel Tax 10A – Saskatchewan

Wholesale Tobacco Tax – Saskatchewan

Retailer Tobacco Tax – Saskatchewan

Corporate Capital Tax Installment - Saskatchewan

Registration for the Can-Act government remittance service

Supported browsers: Internet Explorer 5.x and higher

Registration for Can-Act is done by the AccèsD Affaires primary administrator.

Once registered, all users with access to government remittance services will have access to Can-Act.

Registration is done by the primary administrator on the registration page under the tab Payments - Government remittances - Can-Act forms, and accepts the terms by clicking Register.

He or she must then define a list of accounts (maximum of 20 from the accounts listed in the AccèsD Affaires file) to use for Can-Act remittances.

Please note that users registered for Can-Act have access to these accounts, regardless of their access rights on AccèsD Affaires.

Accounts from institutions 815 (Quebec) and 829 (Ontario) are eligible however, they must be Canadian business chequing or savings accounts.

Once the list is validated, the primary administrator is directed to the Can-Act site and the registration is active.

The first time you log on to Can-Act, the company’s name is set as “AccèsD Affaires primary administrator” and the phone number is the one which appears in the AccèsD Affaires file.

The member must update the profile on the TELUS site by selecting the “Modify profile” option. This helps TELUS to follow-up in the even of a payment problem.



Jul

y 31

, 200

9

Add a payment type

To use the Can-Act government payment service, the primary administrator must define the eligible payments for this service.

In the Can-Act main menu, click on Add payment type.

Select the desired payment type from the list and click on Next.

Enter the payment type and click on Add this Payment Type.

Edit a payment type

If the details for a payment type are incorrect, select it from the main menu and click on Edit Payment Type.

Correct the information.

Click on Save Changes.

Remove a payment type

Pleae note that when you remove a payment type, you have to delete all future dated pay-ments associated with it.

To completely remove a payment type, select it from the main menu and click on Remove Payment Type.

If there are several payments of this type, select the one you want and click on Remove Payment Type.

When asked if you want to remove the account, click on OK. A confirmation page will appear.

Make a payment or file a return

On AccèsD Affaires, select the Payments tab, then Government remittances and Can-Act forms.

The page Government remittances – Can-Act presents the list of accounts that can be used for your Can-Act payments. Only the primary administrator can change the list.

Click on Confirm to access the Can-Act service.

Can-Act’s page Tax Payment & Filing – Main menu lists the payment types you set up. Select the desired payment type and click Make a payment.



Jul

y 31

, 200

9

Enter the details and click Pay.

When entering an amount, do not use spaces or commas. For example, enter $10000 and not $10,000 or $10 000.

You may only enter positive amounts, though calculations may result in a negative amount and your company may be eligible for a refund.

Check the information and click Confirm.

The confirmation page lists the payment details and a confirmation number. It is recom-mended that you print this page and use it when contacting TELUS customer service.

If a transaction is pending approval, a confirmation number is provided when the required number of approvers authorizes the transaction.

Payments can only be future dated for the next business day, at the earliest:

Please note that Can-Act debits your account within two business days of the transaction.

Remittances made on Can-Act are listed on your statement with the code WGC, along with a description and transaction confirmation number.

Cancellation of a payment

You can cancel a payment dated for the following day, as long as it is done before 11:59 p.m. If a payment is processed by mistake, it can be cancelled by contacting TELUS customer service at 1-800-206-9444.

In the main menu, click on View/Cancel Future Dated Transactions.

Enter the search criteria (if needed) and click on View Transactions.

Click on the transaction you want to change or cancel.

Click on Cancel this transaction.

A payment that has not yet been authorized by all the required approvers can be cancelled by an authorized approver without additional authorization.

Cancelling a payment that has been approved and is listed as “To be processed” and approving a payment requires the same number of approvers.

Important: Any payment that is not approved for cancellation by the required number of approvers will be completed



Jul

y 31

, 200

9

Approval and signature

Like AccèsD Affaires, Can-Act also has a two-signature option with:

• a requirement of 1 or 2 authorization signatures • a limit after which an acknowledgement is required • authorized signers

There are however, two differences:

• Two signatures are required for all payments, regardless of which account is used (on AccèsD Affaires, they are required only for payments made from two-signature accounts). • Two signatures are required when payments are added and removed (on AccèsD Affaires, they are only required for new payments).

Note: If your business is registered for the two-signature option on AccèsD Affaires, but you do not use it (because you do not have a two-signature account), please remove this option from your file. If the double signature option is required for your Can-Act transactions, it may be activated.

The two-signature information in your AccèsD Affaires file is transmitted each time you access Can-Act. If you change it on AccèsD Affaires, the Can-Act two-signature setting will be affected.

If a payment over the two-signature limit is filed, it is placed on hold, pending a second authorization (Pending Approval section):

• If the user who created the payment is an authorized approver, only one other approver is required. • If the user who created the payment is not an authorized approver, two other approvers are required.

Approval of a payment

To authorize a payment in the Transaction Approval section, approvers must click on the payment link to get the details. The approval status is then displayed:

• pending approval (0/2), pending aproval (1/2) • pending cancellation (0/2), pending cancellation (1/2) • expired (payment period is expired; transaction will not be completed).

The approver must then click on Approve to authorize a payment.

Note: The Approve button does not appear for users who are not authorized approvers, or for approvers who have already acknowledged a transaction.

When the second approver authorizes a payment, a confirmation page with a confirmation number will appear.

Important: You must make sure that transactions pending approval are approved before the scheduled payment date or they will not be completed.



Jul

y 31

, 200

9


A payment requires the same number of authorizations for approval and for cancellation.

To delete a payment, the approver must click Cancel This Transaction on the payment detail page.

Important: Any transaction that is not approved for cancellation by the required number of approvers will be completed.

Search for a scheduled transaction

In the View/Cancel Future Dated Transactions section, you have the option of entering search criteria. Click on a transaction for details.

Click the Audit button to track a transaction.Click Cancel This Transaction to cancel.

Transaction history


Transaction histories are available online for 13 months.

Help

Check the help pages at any time on Can-Act to find out:

• when a payment was entered • when a payment was completed • when a government received a payment

At registration, the Can-Act system assigns a user code for the company, as well as a code for each user in the company. These codes are listed at the top right corner of most of the Can-Act pages and are very useful when contacting TELUS customer service.

If you have any questions, call TELUS customer service at: 1-800-206-9444.



Jul

y 31

, 200

9

Annex 1Transaction status possibilities

Processed Transaction completed

Cancelled Original transaction cancelled

To be processed Transaction scheduled for a later date. Does not require approval.

Pending approval (0/2), (1/2) or (0/1) Transaction scheduled for a later date. Requires approval from one or more users.

Pending cancellation (0/2), (1/2), or (0/1) or Cancellation Request

Request for cancellation of original transaction. It must be acknowledged by the required number of approvers.

Expired Or Transaction failed The approval period for the transaction has expired.

Cancellation Failed Failed to cancel transaction in time.

Returned Item Item has been returned by your financial institution ->Not processed.

Returned Item Audit Record Details of the returned item.

Annex 2Can-Act codes et remittance descriptions

Government Form no.

Transaction no.

French code

Description English code

Description

Alberta government

AT1 905 ABCIT Alberta Finance - Corporate Income Tax ABCIT Alberta Finance - Corporate Income Tax

AT362 906 ABOMC Alberta Finance - Fuel Tax Collectors ABOMC Alberta Finance - Fuel Tax Collectors

AT363 908 ABRC Alberta Finance - Fuel Tax - Railway Compa-nies

ABRC Alberta Finance - Fuel Tax - Railway Companies

AT252 909 ABHCR Alberta Finance - Health Costs Recovery ABHCR Alberta Finance - Health Costs Recovery

AT317 910 ABHRT Alberta Finance - Tourism Levy ABHRT Alberta Finance - Tourism Levy

AT2095 912 ABINS Alberta Finance - Insurance Corporations Tax ABINS Alberta Finance - Insurance Corporations Tax

AT2059 913 ABIFT Alberta Finance - International Fuel Tax (IFTA) ABIFT Alberta Finance - International Fuel Tax (IFTA)

AT360 915 ABLPG Alberta Finance - Propane Tax Collectors ABLPG Alberta Finance - Propane Tax Collectors

AT300 916 ABTBX Alberta Finance - Tobacco Tax ABTBX Alberta Finance - Tobacco Tax

---- 614 ATRF Alberta Teacher’s Retirement Payment ATRF Alberta Teacher’s Retirement Payment

---- 615 ATA Alberta Teacher’s Association Payment ATA Alberta Teacher’s Association Payment

---- 616 ASEBP Alberta School Employee Benefit Payment ASEBP Alberta School Employee Benefit Payment

---- 617 ASEHS Alberta School Employee Health spending account

ASEHS Alberta School Employee Heath spending ac-count

British Columbia government

FIN400 800 BCSST Taxe de vente provinciale Colombie-Britannique BCSST British Columbia Social Service Tax

Ontario government

---- 448 MAG Paiement à Bureau des obligations familiales - Ontario (Ministère du Procureur général - Bureau des oblig famil.)

MAG Family Resp. Office - Ontario payment

336 73 ONTVD Impôt sur le revenu des sociétés de l’Ontario ONRST Ontario Retail Sales Tax (return)

888 74 ONTVD Taxe de vente au détail -Ontario ONRST Ontario Retail Sales Tax (payment)

1334 80 ONISE Impôt santé des employeurs - Ontario ONEHT Ontario Employer Health Tax

626 956 ONIC Impôt sur le revenu des sociétés - Ontario ONCT Ontario Corporations Tax



Jul

y 31

, 200

9

Government Form no.

Transaction no.

French code


Description

Saskatchewan government

FI-1241 100 SKTAX Taxe de vente provinciale - Saskatchewan SKTAX Sask. Provincial Sales Tax

F1-1244 102 SKLQR Taxe sur la consommation d’alcool - Saskatchewan

SKLQR Sask. Liquor Consumption Tax Return

FI-1242 103 SKFUL Taxe sur les carburants 10A - Saskatchewan SKFUL Sask. Fuel Tax 10A

---- 104 SKTOB Taxe sur la vente en gros de tabac - Saskatchewan

SKTOB Sask. Wholesaler Tobacco Tax Return

FI-1243 105 SKTOB Taxe sur la vente au détail de tabac - Saskatchewan

SKTOB Sask. Retailer Tobacco Tax Return

FI-1245 106 SKCOR Versement Impôt sur le capital des sociétés - Saskatchewan

SKCOR Sask. Corp. Capital Tax Installment


55829 (Ontario) Can-Act government remittances

Jul

y 31

, 200

9


How it works

AccèsD Affaires gives you access to government remittances via the Can-Act service, which is overseen by our partner TELUS.

You can manage your government payments efficiently and securely:

• File your returns. • Make your payments online or set them up for a later date. • Manage your transactions, if needed. • Check the future dated returns and change them, if required. • Check your transaction history.

Available forms in Can-Act

Federal Forms

Canada Federal Payroll Deductions – Twice monthly - Threshold 1

Federal Payroll Deductions – Weekly - Threshold 2

Federal Payroll Deductions - Monthly

Federal Corporation Tax Payments

Federal Personal Tax Installments

Federal GST/HST Return

Note for New Brunswick: the HST payment (CRA form HST-R-02) can be made with the federal GST/HST return (CRA form GST-34).

Federal GST/HST Remittance

WCB of Nova Scotia Premium

fg00b



Jul

y 31

, 200

9

Provincial Forms

Alberta Alberta Finance - Corporate Income Tax

Alberta Finance - Fuel Tax Collectors

Alberta Finance - Fuel Tax - Railway Companies

Alberta Finance - Health Costs Recovery

Alberta Finance - Tourism Levy

Alberta Finance - Insurance Corporations Tax

Alberta Finance - International Fuel Tax (IFTA)

Alberta Finance - Propane Tax Collectors

Alberta Finance - Tobacco Tax

Alberta Teacher’s Retirement Payment

Alberta Teacher’s Association Payment

Alberta School Employee Benefit Payment

Alberta School Employee Heath spending account

British Columbia Provincial Sales Tax – British Columbia

Ontario Payment to Family Responsibility Office – Ontario(Ministry of the Attorney General - Family Responsibility Office)


Retail Sales Tax - Ontario

Employer Health Tax - Ontario


Quebec Quebec Payroll Source Deduction (Twice-Monthly)

Quebec Payroll Source Deduction (Weekly)

Quebec Payroll Source Deduction (Monthly)

Quebec Payroll Source Deduction (Quarterly)

Quebec Corporation Remittance Income Tax

Quebec Personal Installment Remittance

Quebec Combined GST + QST Installment

Quebec QST Installment

Quebec GST Installment

Quebec Combined GST + QST Remittance

Quebec QST Remittance

Quebec GST Remittance

Quebec Collection of Support Payments

Saskatchewan Provincial Sales Tax - Saskatchewan

Liquor Consumption Tax – Saskatchewan

Fuel Tax 10A – Saskatchewan

Wholesale Tobacco Tax – Saskatchewan

Retailer Tobacco Tax – Saskatchewan

Corporate Capital Tax Installment - Saskatchewan



Jul

y 31

, 200

9

Registration for the Can-Act government remittance service

Supported browsers: Internet Explorer 5.x and higher

Registration for Can-Act is done by the AccèsD Affaires primary administrator.

Once registered, all users with access to government remittance services will have access to Can-Act.

Registration is done by the primary administrator on the registration page under the tab Payments - Government remittances - Can-Act forms, and accepts the terms by clicking Register.

He or she must then define a list of accounts (maximum of 20 from the accounts listed in the AccèsD Affaires file) to use for Can-Act remittances.

Please note that users registered for Can-Act have access to these accounts, regardless of their access rights on AccèsD Affaires.

Accounts from institutions 815 (Quebec) and 829 (Ontario) are eligible however, they must be Canadian business chequing or savings accounts.

Once the list is validated, the primary administrator is directed to the Can-Act site and the registration is active.

The first time you log on to Can-Act, the company’s name is set as “AccèsD Affaires primary administrator” and the phone number is the one which appears in the AccèsD Affaires file.

The member must update the profile on the TELUS site by selecting the “Modify profile” option. This helps TELUS to follow-up in the even of a payment problem.

Add a payment type

To use the Can-Act government payment service, the primary administrator must define the eligible payments for this service.

In the Can-Act main menu, click on Add payment type.

Select the desired payment type from the list and click on Next.

Enter the payment type and click on Add this Payment Type.



Jul

y 31

, 200

9

Edit a payment type

If the details for a payment type are incorrect, select it from the main menu and click on Edit Payment Type.

Correct the information.

Click on Save Changes.

Remove a payment type

Pleae note that when you remove a payment type, you have to delete all future dated pay-ments associated with it.

To completely remove a payment type, select it from the main menu and click on Remove Payment Type.

If there are several payments of this type, select the one you want and click on Remove Payment Type.

When asked if you want to remove the account, click on OK.

A confirmation page will appear.

Make a payment or file a return

On AccèsD Affaires, select the Payments tab, then Government remittances and Can-Act forms.

The page Government remittances – Can-Act presents the list of accounts that can be used for your Can-Act payments. Only the primary administrator can change the list.

Click on Confirm to access the Can-Act service.

Can-Act’s page Tax Payment & Filing – Main menu lists the payment types you set up. Select the desired payment type and click Make a payment.

Enter the details and click Pay.

When entering an amount, do not use spaces or commas. For example, enter $10000 and not $10,000 or $10 000. You may only enter positive amounts, though calculations may result in a negative amount and your company may be eligible for a refund.

Check the information and click Confirm.



Jul

y 31

, 200

9

The confirmation page lists the payment details and a confirmation number. It is recom-mended that you print this page and use it when contacting TELUS customer service.

If a transaction is pending approval, a confirmation number is provided when the required number of approvers authorizes the transaction.

Payments can only be future dated for the next business day, at the earliest:

Please note that Can-Act debits your account within two business days of the transaction.

Remittances made on Can-Act are listed on your statement with the code WGC, along with a description and transaction confirmation number.


You can cancel a payment dated for the following day, as long as it is done before 11:59 p.m. If a payment is processed by mistake, it can be cancelled by contacting TELUS customer service at 1-800-206-9444.

In the main menu, click on View/Cancel Future Dated Transactions.

Enter the search criteria (if needed) and click on View Transactions.

Click on the transaction you want to change or cancel.

Click on Cancel this transaction.

A payment that has not yet been authorized by all the required approvers can be cancelled by an authorized approver without additional authorization.

Cancelling a payment that has been approved and is listed as “To be processed” and approving a payment requires the same number of approvers.

Important: Any payment that is not approved for cancellation by the required number of approvers will be completed.



Jul

y 31

, 200

9

Approval and signature

Like AccèsD Affaires, Can-Act also has a two-signature option with:

• a requirement of 1 or 2 authorization signatures • a limit after which an acknowledgement is required • authorized signers

There are however, two differences:

• Two signatures are required for all payments, regardless of which account is used (on AccèsD Affaires, they are required only for payments made from two-signature accounts). • Two signatures are required when payments are added and removed (on AccèsD Affaires, they are only required for new payments).

Note: If your business is registered for the two-signature option on AccèsD Affaires, but you do not use it (because you do not have a two-signature account), please remove this option from your file. If the double signature option is required for your Can-Act transactions, it may be activated.

The two-signature information in your AccèsD Affaires file is transmitted each time you access Can-Act. If you change it on AccèsD Affaires, the Can-Act two-signature setting will be affected.

If a payment over the two-signature limit is filed, it is placed on hold, pending a second authorization (Pending Approval section):

• If the user who created the payment is an authorized approver, only one other approver is required. • If the user who created the payment is not an authorized approver, two other approvers are required.



Jul

y 31

, 200

9

Approval of a payment

To authorize a payment in the Transaction Approval section, approvers must click on the payment link to get the details. The approval status is then displayed:

• pending approval (0/2), pending aproval (1/2) • pending cancellation (0/2), pending cancellation (1/2) • expired (payment period is expired; transaction will not be completed).

The approver must then click on Approve to authorize a payment.

Note: The Approve button does not appear for users who are not authorized approvers, or for approvers who have already acknowledged a transaction.

When the second approver authorizes a payment, a confirmation page with a confirmation number will appear.

Important: You must make sure that transactions pending approval are approved before the scheduled payment date or they will not be completed.


A payment requires the same number of authorizations for approval and for cancellation.

To delete a payment, the approver must click Cancel This Transaction on the payment detail page.

Important: Any transaction that is not approved for cancellation by the required number of approvers will be completed.

Search for a scheduled transaction


Click the Audit button to track a transaction.Click Cancel This Transaction to cancel.

Transaction history


Transaction histories are available online for 13 months.



Jul

y 31

, 200

9

Help

Check the help pages at any time on Can-Act to find out:

• when a payment was entered • when a payment was completed • when a government received a payment

At registration, the Can-Act system assigns a user code for the company, as well as a code for each user in the company. These codes are listed at the top right corner of most of the Can-Act pages and are very useful when contacting TELUS customer service.

If you have any questions, call TELUS customer service at: 1-800-206-9444.

Annex 1Transaction status possibilities

Processed Transaction completed

Cancelled Original transaction cancelled

To be processed Transaction scheduled for a later date. Does not require approval.

Pending approval (0/2), (1/2) or (0/1) Transaction scheduled for a later date. Requires approval from one or more users.

Pending cancellation (0/2), (1/2), or (0/1) or Cancellation Request

Request for cancellation of original transaction. It must be acknowledged by the required number of approvers.

Expired Or Transaction failed The approval period for the transaction has expired.

Cancellation Failed Failed to cancel transaction in time.

Returned Item Item has been returned by your financial institution ->Not processed.

Returned Item Audit Record Details of the returned item.



Jul

y 31

, 200

9

Annex 2Can-Act codes et remittance descriptions

Government Form no. Transaction no.

French code


Description

Canadiangovernment

PD7A 11 EMPTX Déduction à la source fédérale - Bimensuelle - Seuil 1

EMPTX Federal Payroll Deductions twice monthly (Thres.1)

PD7A-TM 12 EMPTX Déduction à la source fédérale - Hebdo - Seuil 2

EMPTX Federal Payroll Deductions - Threshold 2 (Weekly)

PD7A-RB 13 EMPTX Déduction à la source fédérale - Mensuelle

EMPTX Federal Payroll Deductions - Monthly

RC160 20 TXINS Impôt fédéral sur le revenu des sociétés TXINS Federal - Corporation Tax Payments

T7DR 21 TXINS Impôt fédéral sur le revenu des particuliers TXINS Federal - Personal Tax Installment

GST34 34 TPS34 Déclaration fédérale de TPS/TVH TPS34 Federal - GST/HST RETURN

GST58 58 TPS58 Remise fédérale de TPS/TVH TPS58 Federal - GST/HST REMITTANCE

W1-B 963 WCBNS WCB of Nova Scotia Premium (en anglais seulement)(Commission des accidents du travail de la Nouvelle-Écosse)

WCBNS WCB of Nova Scotia Premium

Note for New Brunswick: the HST payment (CRA form HST-R-02) can be made with the federal GST/HST return (CRA form GST-34).

Alberta government

AT1 905 ABCIT Alberta Finance - Corporate Income Tax ABCIT Alberta Finance - Corporate Income Tax

AT362 906 ABOMC Alberta Finance - Fuel Tax Collectors ABOMC Alberta Finance - Fuel Tax Collectors

AT363 908 ABRC Alberta Finance - Fuel Tax - Railway Companies

ABRC Alberta Finance - Fuel Tax - Railway Companies

AT252 909 ABHCR Alberta Finance - Health Costs Recovery ABHCR Alberta Finance - Health Costs Recovery

AT317 910 ABHRT Alberta Finance - Tourism Levy ABHRT Alberta Finance - Tourism Levy

AT2095 912 ABINS Alberta Finance - Insurance Corpora-tions Tax

ABINS Alberta Finance - Insurance Corporations Tax

AT2059 913 ABIFT Alberta Finance - International Fuel Tax (IFTA)

ABIFT Alberta Finance - International Fuel Tax (IFTA)

AT360 915 ABLPG Alberta Finance - Propane Tax Collectors ABLPG Alberta Finance - Propane Tax Collectors

AT300 916 ABTBX Alberta Finance - Tobacco Tax ABTBX Alberta Finance - Tobacco Tax

---- 614 ATRF Alberta Teacher’s Retirement Payment ATRF Alberta Teacher’s Retirement Payment

---- 615 ATA Alberta Teacher’s Association Payment ATA Alberta Teacher’s Association Payment

---- 616 ASEBP Alberta School Employee Benefit Pay-ment

ASEBP Alberta School Employee Benefit Payment

---- 617 ASEHS Alberta School Employee Health spend-ing account

ASEHS Alberta School Employee Heath spending account

British Columbia government

FIN400 800 BCSST Taxe de vente provinciale Colombie-Bri-tannique

BCSST British Columbia Social Service Tax

Ontario government

---- 448 MAG Paiement à Bureau des obligations famili-ales - Ontario (Ministère du Procureur général - Bureau des oblig famil.)

MAG Family Resp. Office - Ontario payment

336 73 ONTVD Impôt sur le revenu des sociétés de l’Ontario

ONRST Ontario Retail Sales Tax (return)

888 74 ONTVD Taxe de vente au détail -Ontario ONRST Ontario Retail Sales Tax (payment)

1334 80 ONISE Impôt santé des employeurs - Ontario ONEHT Ontario Employer Health Tax

626 956 ONIC Impôt sur le revenu des sociétés - Ontario ONCT Ontario Corporations Tax



Jul

y 31

, 200

9

Government Form no. Transaction no.

French code


Description

Quebec government

TPZ-1015.R14.1 300 RAS Retenues à la source Québec - Bimensuelle

PAY Quebec Payroll Source Deduction (Twice-Monthly)

TPZ-1015.R14.2 301 RAS Retenues à la source Québec - Hebdomadaire

PAY Quebec Payroll Source Deduction (Weekly)

TPZ-1015.R14.3 302 RAS Retenues à la source Québec - Mensuelle

PAY Quebec Payroll Source Deduction (Monthly)

TPZ-1015.R14.4 312 RAS Retenues à la source Québec - Trimestrielle

PAY Quebec Payroll Source Deduction (Quar-terly)

COZ-1027.RCOZ-1027.S

306 DECOR Acomptes provisionnels Impôt sur le revenu des sociétés - Québec

DECOR Quebec Corporation Remittance Income Tax

TPZ-1026A 307 COREC Acomptes provisionnels Impôt sur le revenu des particuliers - Québec

COREC Quebec Personal Installment Remittance

FPZ-558 310 TXAP Acomptes provisionnels TPS-TVQ - Québec

TXIN Quebec Combined GST + QST Installment

VDZ-458.0.1 308 TVQAP Acomptes provisionnels TVQ -Québec QSTIN Quebec QST Installment

PFZ-58 309 TPSAP Acomptes provisionnels TPS -Québec GSTIN Quebec GST Installment

FPZ-500 305 TVQPS Remise combinée - TPS+TVQ - Québec G-QST Quebec Combined GST + QST Remittance

VDZ-471 303 TVQ Remise de TVQ Quebec QST Quebec QST Remittance

FPZ-34 304 TPS Remise de TPS Quebec GST Quebec GST Remittance

PPA-101 311 RPPAQ Le Regime de perception des pensions alimentaires

RPPAQ Quebec Collection of Support Payments

Saskatchewan government

FI-1241 100 SKTAX Taxe de vente provinciale - Saskatch-ewan

SKTAX Sask. Provincial Sales Tax

F1-1244 102 SKLQR Taxe sur la consommation d’alcool - Saskatchewan

SKLQR Sask. Liquor Consumption Tax Return

FI-1242 103 SKFUL Taxe sur les carburants 10A - Saskatch-ewan

SKFUL Sask. Fuel Tax 10A

---- 104 SKTOB Taxe sur la vente en gros de tabac - Saskatchewan

SKTOB Sask. Wholesaler Tobacco Tax Return

FI-1243 105 SKTOB Taxe sur la vente au détail de tabac - Saskatchewan

SKTOB Sask. Retailer Tobacco Tax Return

FI-1245 106 SKCOR Versement Impôt sur le capital des socié-tés - Saskatchewan

SKCOR Sask. Corp. Capital Tax Installment

Simplify your national and international transactionswith AccèsD Affaires

65International services

Aug

ust 3

1, 2

010

International services

International Funds Transfers g01

How it works

Nothing could be more simple—worldwide!

AccèsD Affaires makes business easier by letting you transfer funds to beneficiaries any-where in the world. Three types of transfers are available, each with different processing times:

SWIFT transfer: 0 to 48 business hours Direct deposit: 12 business hours to 3 business days

Transfers can be made at any time, and real-time exchange rates are available for the most common currencies. To save time, transaction details can be saved in a template for later reuse, so you don’t have to re-enter the information every time.

How to register

Only your company’s primary administrator can activate this service directly in AccèsD Af-faires. He or she simply selects the International Services menu then the Funds Transfer sub-menu, and electronically signs the membership agreement using his or her password.

Who does what

Transactions involving funds transfers can be signed electronically by one or more autho-rized signers (there may be more than two signers in the company) and must be approved by an authorized user through established channels. Users may only access the features, accounts and transactions delegated to them by the administrator when their user files were created.

User fees

Service charges depend on the amount, currency, destination and tranfer method. Contact your account manager or AccèsD Affaires for rates.

Security

The privacy of transactions is ensured by security mechanisms that comply with the highest e-commerce standards. Each transaction includes simple identification mechanisms. The details concerning these mechanisms are not included in this document. They will be for-warded to you once the User agreement has been signed.

g00



Aug

ust 3

1, 2

010

Advantages

Fast and simple• – Make international transfers in just a few clicks without having to visit your caisse.Efficient• – Reduce paperwork and manual processing. Delegate functions to employees by assigning them access rights directly in AccèsD Affaires.Convenient• – Use AccèsD Affaires anytime, anywhere.Secure• – Maintain full control over all AccèsD Affaires functions and access rights.Practical• – Save time by creating transfer templates.

Making a funds transfer g02

Step 1 - Enter transfer information

Select the 1. International Services menu, then the Funds Transfer sub-menu.Select the destination country. Destination currency and transfer currency will automati-2. cally be selected.1

Select transfer amount.3. 2

Select the account to be debited.4. Click on the Next button.5.

1. If destination account is in a currency other than that of the destination country, the destination currency must be changed. Example: to transfer $1,000 US to Canada, enter information as follows: - Destination: Canada - Currency: USD - Amount: 1,000.00 USD

2. Transfers may be made in a currency different from the destination currency. Example: to transfer the equivalent of $1,500 CAN to the US in US dollars, enter: - Destination: United States - Currency: USD - Amount: 1,500.00 CAD



Aug

ust 3

1, 2

010

Step 2 - Select type of transfer

Select the desired transfer type and click on the Next button.

Step 3 - Enter recipient information

Enter the required recipient information. Fields marked with an asterisk are required fields.1. Click on the 2. Next button.

Confirm transaction

Verify the details of the transaction in the confirmation page then click on the Confirm button to validate.



Aug

ust 3

1, 2

010

Save template for future use (optional)

You now have the option of saving these details in a template for use in future transactions.

Enter template name.1. Click on the 2. Save button.

Making a transfer using a template g03

If you have already saved templates, these will appear as soon as you enter the Funds transfer sub-menu.

Now simply select a template using the radio buttons and 1. click on the 2. Next button.

Repeat the previous steps. The fields will be already filled in; you can change the informa-tion they contain or leave as is.



Aug

ust 3

1, 2

010

Questions/Answers

Questions Answers

Is there a limit to the number of transfers I can make? There is no limit, provided your account balances are sufficient.

Why must I accept the exchange rate within 60 sec-onds?

The exchange rate is updated every 60 seconds to reflect current exchange rates. You will receive a new rate after the 60-second period has elapsed.

I make many international funds transfers each year and the Funds Transfer service does not meet my needs entirely.

We suggest you contact your caisse to see how this service can be best adapted to your company’s needs.

Can I make transfers in the evening, at night or on weekends?

Transfers can be made 24 hours a day, 7 days a week; however, the transaction is processed on the next business day.Although you may transfer funds at any time, the best time to do so is on weekdays between 8 a.m. and 4.30 p.m. when North American markets are open; this way, you benefit from the most competitive exchange rates.

Why can’t I set up transfers to be made at a later date?

To obtain the current market exchange rate, you must approve the rate in force at the time of the transfer. Since this rate varies daily, it is impossible to program transfers in advance.

Can I use this service to transfer money within Canada?

Certainly. You can use this service to transfer money anywhere in the world.


1 877 ACCÈSD A

Simplify your finances with AccèsD Affaires

72Statements

Apr

il 28

, 200

9

Statements

How it works

Statement of transactions: in real time

Transaction details are available for the previous 62 days. Statements can be viewed online and printed, and can even include several folios. You can also register your VISA Desjardins statements in AccèsD Affaires.

Furthermore, a statement of rejected transactions quickly helps you detect any transaction problems.

Virtual statement of account: available at any time

The virtual statement is a monthly account statement. When you sign up for it, the first state-ment becomes available on the first day of the following month and includes your account transactions as of the date you signed up for it. Statements then accumulate for a maximum of 12 months.

You can also use the virtual statement to download your financial data into an accounting, word processing or electronic spreadsheet program to facilitate your bank reconciliation.

VISA Desjardins statements of account are also available, provided the account is registered in your file. They can be produced for the 2 previous months.

Transaction search: a real-time search tool

You can search for a transaction using the following criteria:

Source account• Type of transaction• Amount• Date•

Your searchable transaction data begins accumulating on the date you sign up for the virtual statement of account. Transaction data from the last 12 months is available to be searched. For accounts not registered for a virtual statement, only data from the last 62 days is avail-able.

h00


73Statements

Apr

il 28

, 200

9

Complete history of bill payments

With your history of transactions for bill payments and government remittances, you can see all the information on bill payments made from your account:

Source account for the payment• Name and description of the bill• Bill reference number• Payment date• Amount of payment• Transaction confirmation number• Payment method•

You can also sort your transactions in the order you want and choose to display only bills from a specific organization.

Transaction history is generated from data collected in the last 12 months for accounts regis-tered for the virtual statement (data begins accumulating starting on the date you sign up for the virtual statement of account). For accounts not registered for the virtual statement, the history only contains data from the last 62 days.

Your history includes all the transactions made through AccèsD Affaires, AccèsD Internet and AccèsD Telephone, as well as by direct withdrawal.

Access rights

The primary administrator can delegate access to this service to a secondary administrator or to a user, so they can view the statements for any given account.

How to register

Primary administrators can sign up for the virtual statement on their own as follows:

Select the 1. Business tab, then Accounts.Select the appropriate folio and click 1. Accounts in this folio.Check the box to obtain the virtual statement and click on the Confirm button.2.


74Statements

Apr

il 28

, 200

9

Generating your statements h01

Statement of transactions

Select the 1. Cash Management tab, then Transaction accounts.Select the desired account(s) in the 2. Statement of transactions column and click on the Produce button.

Then select the account(s), enter the period and destination for the statement (on-screen 3. or to a file), and click on the Validate button.

The statement is then displayed. If you chose to save to a file, select the desired direc-tory on your computer.

Note: You can also produce a statement of transactions by clicking on the Statements tab and selecting Statement of transactions.

Statement of rejected transactions

To obtain a statement of rejected transactions, select the Statements tab, then Statement of rejected transactions. Follow the same procedure as the one described above.


75Statements

Apr

il 28

, 200

9

Transaction search tool

To seach for a transaction, select the Statements tab, then Search for a transaction. Se-lect the search criteria you want and click on Validate.

You can search for a transaction:

By the source account

By the type of transaction

By the amount

By the date


76Statements

Apr

il 28

, 200

9

When the statement of transactions is displayed, you can sort the transactions by simply clicking on the title of the column that corresponds to the criteria by which you want to sort the results.

You can print a copy of the results by clicking on the “Printable version” link in the upper right hand corner of the page.

History of transactions - bill payments and government remittances

To access your bill payment history, select the Statements tab, then Bill payments and government remittances. The rest of the procedure is the same as searching for a trans-action. Only the following types of transactions may be selected for the history: direct with-drawal, bill payment and government remittance.

When your history is displayed, you can sort the transactions by billing organization, date, amount, account, confirmation number or method of payment. Simply click on the corre-sponding column title. To see bills from a single organization, select an organization catego-ry from the scroll-down menu above the table.

You can print a copy of the results by clicking on the “Printable version” link in the upper right hand corner of the page.


77Statements

Apr

il 28

, 200

9

Virtual statement of account

Select the 1. Statements tab, then Virtual statement of account.Select the desired account and period from the drop down menu. 2. Select the statement destination (on-screen or to a file) and click on the 3. Validate button.

Name of the financial institution where the folio/account is held and account number.1. Available statement periods.2. See the virtual statement on-screen or download (several formats available).3.

Questions/Answers

Questions Answers

Why check my statement in AccèsD Affaires if I already receive them by mail?

Viewing your statements online is a free service. And, you can download your financial information, also free of charge, into compatible accounting software such as Makisoft, Accomba, and Simply Accounting, and save time with automatic bank reconciliation. You can also access your statements on the first day of the month instead of waiting for them to arrive in the mail.

How can I prevent my accounting clerks from viewing my statements?

As primary administrator of your AccèsD Affaires file, you can delegate access to specific account state-ments to whomever you choose.

What if I want to keep a paper copy of my statements? You can print your virtual statements and save the pa-per copies for your records while continuing to benefit from all the advantages of electronic statements.


1 877 ACCÈSD A


78Statements

Apr

il 28

, 200

9


Statements are produced for a given account and period and can be generated for the • previous 62 days. A virtual statement is a monthly folio statement. Companies can register for this service • in AccèsD Affaires by selecting the Business tab, then Accounts. Read the section Registering for the virtual statement.If you import your transactions into a personal finance program, the specified end date • should not be the date on which you are generating the statement. Other transactions may be recorded and affect your accounts before the end of the day; some programs don’t let you import data for a certain day more than once.

Virtual statement of account – terms of use

Virtual statements are produced at the end of each month and are available for one year.• All company transactions in AccèsD Affaires will appear on the virtual statement. • You can get a virtual statement for any one of your company’s folios. • You will no longer be able to update your passbook or receive statements in the mail. • No changes shall be made to the transmission of cashed items. • If you currently use a passbook, you should update it before you register for the virtual • statement so you don’t lose a record of completed transactions. If you currently use virtual statements and want to revert to paper statements, you can • make the request in AccèsD Affaires. To get a weekly statement or a passbook, contact your caisse.

Registering for the virtual statement

Select the 1. Business tab, then Accounts.Select the desired folio.2. Click on the 3. Accounts in this folio.Check the box to obtain a virtual monthly statement.4. Click on the 5. Confirm button.


79Statements

Apr

il 28

, 200

9

Downloading a statement to a file

You can download your statement to a file and import it into another program.

Choose one of three formats

Text (TXT)1. . This file may be imported into your word processing program. If accented characters are not recognized by your word processing program, select the option “Text without accented characters (TXT)”.

Delimited text with accented characters (CSV)2. . This file may be imported into Micro-soft Excel, Lotus 1-2-3, Microsoft Access 97, Microsoft Access 2 and Borland dBase. If accented characters are not recognized by your software program, select the option “Text without accented characters (CSV)”.

We have designed the template (models) into which you will be able to insert your first downloaded file. This ensures that you will have a good definition of the data in the soft-ware program of your choice. Therefore, you will not have to worry about correctly defin-ing the width of columns in your spreadsheet or the right type of data in your database.

Once your data is correctly defined, you can easily download your statements and import them into your program.

Open Financial eXchange (OFX)3. . This format is a standard for online financial data transfers. It is recognized by Quicken and Personal 1.2d by Makisoft, which receive the file and makes online reconciliations.

You can reconcile your accounts any time you decide.

However, it is recommended that you do not include transactions made on the same day. Some transactions are processed at night so it is best to wait until the next day to make sure all of the day’s transactions are included, otherwise some transactions may never be imported into your personal finance program.

CSV Format

Available information for each account varies. The following table describes the information for each account.

Caisse,Folio,PCA,Date,Sequence,Description,Cheque,Withdrawal,Deposit,,,,,BalanceCaisse,Folio,RS,Date,Sequence,Description,,Withdrawal,Deposit,,,,,BalanceCaisse,Folio,TS,Date,Sequence,Description,,Withdrawal,Deposit,,,,,BalanceCaisse,Folio,CS,Date,Sequence,Description,,Withdrawal,Deposit,,,,,BalanceCaisse,Folio,LN,Date,Sequence,Description,,,,Interest,Capital paid,,Reimbursement,BalanceCaisse,Folio,LC,Date,Sequence,Description,,,,Interest,,Advance,Reimbursement,BalanceVISA #### #### #### ####,,,Date,Sequence,Description,,,,,,Advance,Reimbursement


80Statements

Apr

il 28

, 200

9

Field formats

The following table provides information on field formats, namely the type, length, decimal places and field descriptions.

Fields Type Length Decimals Description

Institution C 25 Abbreviated name of caisse or VISA

Folio C 7 Folio number

Type_account C 5 Type of account: PCA, RS, TS, LN, LC, CS

Date C 10 Format: YYYY/MM/DD

Sequence N 3 0 Sequential number for sorting

Description C 90 Description of transactions

Cheque N 8 0 Cheque number (PCA)

Withdrawal N 13 2 Withdrawal amount (PCA,RS,TS,CS)

Deposit N 13 2 Deposit amount (PCA,RS,TS,CS)

Interest N 13 2 Interest (LN,LC)

Capital paid N 13 2 Capital paid (LN)

Advance N 13 2 Cash advance (LC, VISA)

Reimbursement N 13 2 Reimbursement (LN,LC, VISA)

Balance N 13 2 Balance

Remarks

The fields of a character (“C”) type are placed between quotation marks (“”). • The fields of a numerical type (“N”) are not placed between quotation marks. • Absent fields are marked by “”. • Decimals are set apart by a period (.). • Type of account corresponds to personal chequing, regular savings, etc. • The sequential number numbers the transactions for a caisse, folio, account and date. • The order of sorting or the sorting key is made up of the fields: caisse, folio, account, • date, sequence.

Example of transactions:

“C.P. Ste-Edith”,”27656”,”PCA”,”1997/06/16”,1,”Withdrawal at counter”,125.75,””,””,””,””,””,678.65

“C.P. Ste-Edith”,”27656”,”PCA”,”1997/06/17”,1,”Deposit at counter”,””,654.87,””,””,””,””,2774.65

“VISA 4540 1234 1234 1234”,””,””,”1997/06/17”,1,”Suzy Shier”,””,””,””,””,124.66,””,2774.65


81Statements

Apr

il 28

, 200

9

Downloading a template in CSV format

You must first download the template. We suggest that you always keep a previous version of your working document: before starting to import any data, save your file under another name. This way, if you make a mistake, you won’t lose all the information.

Importing the CSV file into your program

Lotus 1-2-3

From the 1. File menu, select Open.Specify the downloaded CSV file containing your statement.2. If you do not see your CSV file, type *.* for file name so that Lotus displays all files re-3. gardless of their extension.Make sure that the file type is TEXT.4. Click on the 5. Import button to activate the Import Wizard. Every separator indicates the beginning of a new column. The type of data must be set at ‘Delimited’.Click on the button 6. OKSelect all data (from columns A to N) and click on 7. Copy.Open the template.8. Place the cursor after the last line in Column A.9. Click on 10. Paste.Save the template.11.

Detailed procedure

Open the downloaded CSV file containing your statement.1. Enter *.* as the file name and click 2. Enter to see all the files.Make sure that the file type is TEXT.3. Click on 4. Open to activate the Import Wizard.Select “Start a new column at each comma”. (The delimiter must be the comma.)5. Click on 6. OK.

Select all the data (columns A to N) and click 7. Copy.Open the template.8. Place the cursor after the last line in column A.9. Click 10. Paste.Save the template.11.


82Statements

Apr

il 28

, 200

9

Microsoft Excel

From the 1. File menu, select Open.Select the downloaded CSV file containing your statement.2. If you do not see your CSV file, type *.* for file name so that Excel displays all files re-3. gardless of their extension.Click on the button 4. Import to activate the Import Wizard. The file type must be Delim-ited.Click on 5. Next. The separator must be the comma, and the text qualifier is quotation marks. It is not necessary to change the format of the columns.Click on the button 6. Finish. Select all the data (from Columns A to N) and click 7. Copy. Open the template.8. Place your cursor after the last line in column A.9. Click 10. Paste.Save the template.11.

Detailed procedure

Open the downloaded CSV containing the statement.1. Type *.* as the file name and click 2. Enter to see all the files.Click on the 3. Open to activate the Import Wizard.The data must be in 4. Delimited format.Click on 5. Next.

The delimiter must be a comma.6. The text qualifier must be a quotation mark.7. Click on 8. Finish.


83Statements

Apr

il 28

, 200

9

It is not necessary to change the column format.9. Click on Next. 10.

Select all the data (from Columns A to N) and click 11. Copy. Open the template.12. Place your cursor after the last line in column A.13. Click 14. Paste.Save the template.15.

Microsoft Access

Open the Template.1. From the 2. File menu, choose the option Outside data and import. Specify the name of the downloaded CSV file.3. If you do not see your CSV file, indicate *.* as file name so that Access displays all files 4. regardless of their extension. The data format must be Text.Click 5. Import to activate the Import Wizard.The type of data must be set at 6. Delimited.Click on 7. Next.The field separator must be the comma. 8. The text separator must be quotation marks. 9. Click on 10. Advanced.The period is the decimal symbol.11. Click 12. OK. Click 13. Next.The data will be saved in an existing table called Transactions.14. Click 15. Next.Confirm the importing of data by clicking on 16. Finish.

Detailed procedure

Open the Template.1. From the 2. File menu, choose the option Outside data and import. Specify the name of the downloaded CSV file.3. If you do not see your CSV file, indicate *.* as file name so that Access displays all files 4. regardless of their extension. The type of data must be set at Text.Click 5. Import to activate the Import Wizard. The data format must be Delimited.


84Statements

Apr

il 28

, 200

9

Click on 6. Next. The field separator must be the comma. The text separator must be quotation marks.

Click on 7. Advanced. The period is the decimal symbol.

Click 8. OK. Click 9. Next. The data will be saved in an existing table called Transactions.

Click on the 10. Next button


85Statements

Apr

il 28

, 200

9

Confirm the importing of data by clicking on Finish. 11.

Remarks about Access

There may be some differences between these screen shots and the screens displayed • in other versions. A query called ‘Liste opérations’ allows you to see your operation correctly sorted ac-• cording to the appropriate sorting keys. Another query called ‘Opérations par compte’ allows you to specify the account for which • you want to see the list of operations. A report function called ‘Liste opérations’ allows you to obtain a ready-to-print report. •


86Statements

Apr

il 28

, 200

9

Borland dBase and other compatible software programs

The use of templates with these programs varies a great deal. • You cannot directly use the dBase importing facilities because the command APPEND • FROM does not operate correctly with a CSV file. You may write a dBase program which will read it with FREAD() and, after having ex-• tracted each field, will insert a record with APPEND BLANK and initialize all the fields there. Make sure you are in the date mode with centuries (i.e., set century on). •

Quicken

Quicken® is the top-selling personal finance program. In North America alone, there are more than ten million users! The software has been available in English in Canada for some time and the French Canadian version was officially launched on October 30, 1997.

In a nutshell, the program allows people to easily and efficiently manage their personal finances, from balancing accounts and checking credit card statements to overseeing loans and investments and even planning their budget. In addition to managing one’s entire finan-cial portfolio, it allows individuals to consult and automatically update stock market prices and mutual funds free of charge. All the financial and fiscal information can also be automati-cally transferred to Intuit’s Quick tax software program, which has several interesting fea-tures for self-employed workers.

How to do online reconciliations with Quicken

The OFX file is compatible with Quicken 2002 and later versions.

In AccèsD Affaires, produce a statement of transactions by saving the file in OFX format. 1. You can include several caisse accounts in the file. You cannot select more than one VISA Desjardins account at a time, nor a caisse account and a VISA Desjardins account at the same time.Click on the 2. Validate button.Quicken is launched automatically and connects to the Internet. If this is your first recon-3. ciliation, it will take longer; Quicken will download Intuit configuration files.For each account you reconcile: 4. If the account is already listed as an online account, the transactions will be automati-• cally downloaded. If the account is not an online account, a window will open. The following information will • be displayed: the financial institution, type of account and account number. If the account already exists in Quicken, select • Use an existing Quicken account and select the account. If the account does not exist in Quicken, select • Create a new Quicken account and name the account. Click • Continue. Quicken will let you know if the transactions were correctly downloaded or if no transactions were made during the period. Validate the transactions in Quicken.•


87Statements

Apr

il 28

, 200

9

Troubleshooting

If you have any questions about Intuit’s Quicken, software or the link with AccèsD Internet, call Intuit directly at 1 888 829-1722.A telephone assistance service is available for free (with the exception of long-distance fees) in French for Québec users. Just call 1 403 440-8425. Automated assistance is available at no charge at 1 800 387-4285.

What are MAKISOFT programs and what do they do?

Makisoft is a Québec-based company that creates multimedia business tools interlinked with the information highway. Always at the forefront of swift technological developments in the new economy, Makisoft was awarded the MIM d’or in 1997.

Makisoft makes use of sound, imagery, virtual animation technology and the possibilities of the Internet to produce innovative, high-performance management computer programs with the utmost in user-friendliness. A voice-guide makes it remarkably easy to learn how to use Makisoft software.

The Comptable Makisoft is a multimedia accounting program that is efficient yet very easy to use. Simply choose between more than 100 pre-programmed accounting plans, and select the one best suited to your business. The Makisoft Accountant allows you to produce all the reports for the efficient management of your firm. You can also obtain them in a simplified form or an accounting format, and even import them to other applications. A financial cal-culator is also incorporated to let you make all kinds of financial estimations such as for an RRSP, investment, mortgage loan, annuity, pension or loan.

With the Personal finance program, your personal business management is made simple, by letting you work with an ingenious array of tools such as an incorporated calculator, time-table and address book. This program can let you generate the accounting reports neces-sary for the sound management of your finances, track your past transactions, compare your income with your budget, modify all your transactions at one fell swoop, enter your transac-tions with the help of easily identifiable illustrations (e.g., deposit slips, cheques, etc.)

Installing Makisoft

The function “Install.exe” will guide you through the step-by-step installation

In the step Create bank/caisse items, create an item for each account for which you wish to conduct online reconciliation. The information required can be found in AccèsD in the Transactions/Operation tab.

Field Description

Bank/caisse your caisse’s name

Folio your folio

Account your account number (PCA, RS1,LC2)


88Statements

Apr

il 28

, 200

9

To initiate online reconciliation with Makisoft.

On the AccèsD log-on page, enter your card number and password. Click on 1. State-ments in the left-hand menu.Click on 2. Bank reconciliation (OFX).A second window will open. Click on 3. Transfer. You can then rename the file.Start the Makisoft program.4. Select Manual reconciliation from the 5. Bank/caisse menu.Click on 6. Autoconciliation.A window will open, asking the user to select the OFX file created by AccèsD. Click 7. OK. The user may now reconcile and register transactions.

Troubleshooting

If you have any questions about the Personnel software or the link with AccèsD Internet, call MAKISOFT directly at 1 800 797-6254. You will also receive personalized service and infor-mation about MAKISOFT software.

Saving you time and money

89Bank Confirmation

Nov

embe

r 5,

201

0

Bank Confirmation

How it works

Each year, your chartered accountant reviews the company financial statements and needs a bank confirmation to check the company’s accounting information.

This document provides written confirmation of all your account balances in each of the caisses of which you are a member on your company’s financial year-end, except accounts in foreign currencies other than the U.S. dollar (USD).

In the past, your accountant had to wait several days while your financial institution produced the bank confirmation.

With AccèsD Affaires, bank confirmations can be produced automatically.

Your bank confirmations are available for six months as of the end of your financial year.

Online bank confirmation with AccèsD Affaires: just a click away!

Before you register for this function, verify certain elements.

A few weeks before your company’s year end date, contact your caisse or business centre to make sure that the year end date for all your accounts corresponds with the date indicated in our files. This is an important step to ensure that your bank confirmation will be automatically generated by AccèsD Affaires on the appropriate date and that it contains all your accounts’ information.

You can also assign access to this function to your accountant. All you have to do is give him or her restricted access to your AccèsD Affaires file to use the bank confirmation function only. All your accountant will have to do is print out the confirmation on your company’s financial year-end date.

Validity of an AccèsD Affaires bank confirmation

You can produce a bank confirmation yourself and use it as a supporting document for your files. However, to submit this document with audited financial statements, we recommend that you have your accountant print it out to ensure integrity and compliance. Delegating ac-cess rights to your AccèsD Affaires file is key.

Note: If you are not comfortable assigning access rights to your AccèsD Affaires file to another party, keep in mind that you have the option of providing access to bank confirmations.

Advantages of online bank confirmations

Bank confirmations are available at the end of your company’s fiscal year.• Get your bank confirmation without going to your caisse or simply assign this task to • your accountant.When produced by an accountant, AccèsD Affaires bank confirmations meet Canadian • Bankers Association requirements.You can view and print your bank confirmations as often as you wish any time up to six • months after year end.

i00


90Bank Confirmation

Nov

embe

r 5,

201

0

Access rights

Administrators can assign the use of this service to their accountant. They can also assign or restrict employee access to this or any other service.

How to register

To register for the bank confirmation service, contact your caisse or call AccèsD Affaires • Business Support Services at 1 877 AccèsD A (222-3732).Note that you may not obtain bank confirmations for folios that do not belong to your • company.This service is only available to companies whose year-end corresponds to the last day • of the month.

One bank confirmation is generated per caisse, where the company holds one or more folios.

Producing a bank confirmation

Assigning access to your accountant

Only the AccèsD Affaires primary administrator can assign access to an employee or to a secondary administrator. Here’s how:

1- Select the Business tab, then Users.2- Click on the Add a user button.3- Enter your accountant’s information (name, telephone number) in the appropriate fields.4- Under Bank Confirmation: Authorized Access, select the company (or companies) for which you want to authorize access.5- Click on the Validate button, and the system will provide you with a user code and temporary password to give to your accountant.

If you have questions, or if you would like more information on assigning access rights, do not hesitate to call 1 877 AccèsD A (222-3732).

Viewing your bank confirmation

To view a bank confirmation, the user must select the Statements menu, the Bank Confir-mation sub-menu and then the name of the appropriate caisse. If the company did not sign a user agreement upon registering for AccèsD Affaires, an online agreement will be dis-played and the user will be able to register for the service by entering his or her password.


91Bank Confirmation

Nov

embe

r 5,

201

0

Description of a bank confirmation

1. Statement title2. Address of the caisse where the company account is held3. Bank confirmation year-end date4. Business member contact information5. Description of company loans6. Description of line of credit7. Description of commercial loan8. Due date of loan9. Date loan was made10. Initial loan amount, or authorized line of credit limit11. Balance of loan12. Currency of loan13. Description of company guarantees14. Due date of guarantee on loan15. Other deposits and overdrafts16. Description of other deposits and overdrafts17. Interest rates18. Issue date of certificate of deposit19. Due date of deposit20. Deposit amounts21. Currency of deposit


92Bank Confirmation

Nov

embe

r 5,

201

0

Questions/Answers

Questions Answers

Is online bank confirmation valid? Yes. To submit this document with audited financial statements, we recommend that the bank confirma-tion be produced in AccèsD Affaires by a chartered accountant.

If I give my accountant access to my AccèsD Af-faires profile, can I limit her to the bank confirmation service?

Yes. You can give her access only to this service by selecting the Business tab, then Users.

When can my accountant produce an online bank reconciliation in AccèsD Affaires?

Bank confirmations are available for six months in your AccèsD Affaires profile as of the end of your financial year. Your accountant will have plenty of time to print it at her convenience.

How do I sign up? Just select the Statements tab, then Bank Confir-mation. Read, print and accept the terms of the user agreement and you will be able to use the service for your next financial year-end.


1 877 ACCÈSD A


Terms of use

• AccèsD Affaires generates bank confirmations for businesses with at least one folio registered for the Cash Management service. • All associated folios are included in the bank confirmation, whether or not they are registered for the Cash Management service. • The bank confirmation is generated on the last day of the financial year: one statement per caisse. • It is available for a six-month period as of the last day of the financial year. After this date, requests must be made to the caisse, using the appropriate printed form. • All folios for which bank confirmations are produced must have the same financial year-end. • Folios that do not have a year-end corresponding to the last day of a month cannot use this service. • Bank confirmations are not available for personal folios. • One bank confirmation is generated per caisse, where the company holds one or more folios. • Bank confirmations can be done in English or French.

93Card services

Nov

embe

r 9,

200

9

Card services

How it works

Using the primary administrator code, business owners can click the Cards tab to manage their VISA Desjardins Business cards and fill out the online VISA Desjardins application forms.

VISA Desjardins Business Account Management - SME Clientele

This service is a single entry point to managing your company’s Business credit cards and permits you to:

change your VISA Desjardins • Business card credit limit change your VISA Desjardins • Business Freedom Solutions Line of Credit apply for Accord D Business financing• change an Accord D Business financing plan limit• apply for an additional VISA Desjardins • Business Cardchange the address in your VISA Business file • replace a VISA Desjardins • Business Cardreport a lost or stolen card• contest a bill •

Application forms

The • Business Freedom Solutions package application formVISA Desjardins Business Freedom Solutions is a complete financing package tailored to the realities of small businesses, self-employed workers and entrepreneurs. You get:

a • Business Freedom Solutions line of credit for operating expenses up to $50,000;a • Business card for business or entertainment expenses with all the optional services available on this card, as well as the Business Savings bonus program;Accord D• Business financing for loans up to $50,000;the AccèsD Affaires service, to manage your finances online. •

With the flexibility of the Business Freedom Solutions package, you can adapt the total credit limit of your business to your needs.

The VISA Desjardins • Business card application formThe VISA Desjardins Business card makes it easy to closely monitor your business expenditures and is an excellent financial management tool, thanks to Accord D Business financing. Above all, the VISA Desjardins Business card is the only business card that saves you money!

The• Accord D Business financing application formAccord D Business financing is a second credit limit, separate from the limit on your VISA Desjardins Business card. This second limit maybe up to $50,000 and with it, you can get “equal monthly instalment” financing directly on your VISA Desjardins Business card, depending on your needs.

ij00

94Card services

Nov

embe

r 9,

200

9

Who can use it

Fill out an online application form: Only business owners with the primary administrator • code.Use the VISA Desjardins Business Account Management - SME Clientele service: The • primary administrator may use it if the company’s cash management service includes at least on VISA Desjardins Business card. Once registered, the primary administrator may delegate the use of the account management service to another.

How to sign up

Online forms

The service is accessible when an AccèsD Affaires file is opened at a caisse and the busi-ness is signed up for the cash management service.

Online applications are sent to Desjardins Card Services, who processes them and issues the requested products.

If you apply for Accord D Business financing and already have a preauthorized financing lim-it, the funds will be deposited directly into your account after your application is processed.


There are two ways to register for the VISA Desjardins Business Account Management - SME Clientele service: online or at the caisse.

Online •

The business must be registered for the AccèsD Affaires cash management service and have at least one VISA Desjardins Business account. The primary administrator must se-lect the Cards tab and sign the user agreement for the online service.

At the caisse •

A company representative must contact the caisse or business centre to sign the user agreement. To avoid additional trips to the caisse, it is preferable to bring along all the company VISA Desjardins Business Card documents.

95Card services

Nov

embe

r 9,

200

9

Applying online under the Cards tab

1. Click on the Cards tab;2. Select the application from the menu on the left or click on the appropriate link.

3. On the application instruction page, click on “Apply now” to open a form.

4. Then, fill out all fields that are marked with an asterisk.

96Card services

Nov

embe

r 9,

200

9

Manage Business cards

Select the 1. Cards tab Click on the VISA Desjardins Business Account Management - SME Clientele service2.

The following features are available:

Basic operations

Add a card: add a cardholder or issue a new card on one of the existing accounts. After • indicating the desired limit, enter the company’s assets and liabilities.Select an account/card: select the card for which you want to do an operation. If no card • is selected, account or card operations will not appear. Click on the card number to see its features. Go back to this page any time to make an operation on another card.Report a lost or stolen card: given this operation’s urgent nature, this cannot be done • online and the phone numbers are provided on the site. Phone lines are open 24 hours a day, 7 days a week.Contest a bill: this operation is not available online. See the Web site for the appropriate • procedure.

Card management

Increase a limit: Apply for a • Business card credit limit or Accord D Affaires financing limit increase. Once you enter your desired credit limit, enter the company’s assets and liabili-ties. If you request more than $50,000, you will also have to fax the company’s financial statements after completing the form.Change of address: change your billing address, phone number or e-mail address.• Replace card: expect a 10-day waiting period for your replacement card (postal delays). • If you need a card urgently, contact Desjardins Card Services at 514-397-4600 or 1-800-266-5662.

Accord D Business financing

Apply for financing: Accord D Business financing is a second credit limit offered on your • VISA Desjardins Business Card that is separate from your current limit. With financing up to $50,000, this second credit limit allows you to get “equal monthly payment” financ-ing directly on your VISA Desjardins Business card at terms to suit your needs.

97Card services

Nov

embe

r 9,

200

9


Online applications under the Cards tab

Only the ADA primary administrator can access the Overview page under the Cards tab, • and only if the AccèsD Affaires file includes the Cash Management service and contains at least one PCA folio of which the business is the holder.Available application forms include: • Business Freedom Solutions, Business Card and Accord D Business financing.Online applications are not available for AccèsD Affaires files of Caisse centrale • Desjardins.Only self-employed workers and business owners may apply.• Applications must be filled out by business owners with the primary administrator code.• Forms are precompleted with information from the business and primary administrator • AccèsD Affaires file.Big businesses and non-profit organizations may not apply in this manner. They must • refer to their caisse or Corporate Financial Centre.Business• Freedom Solutions and Business Card online applications will be processed within five business days.If you have a • Business Card with a sufficient credit limit, you may obtain Accord D financing instantly.Accord D• Business financing applications are processed within two business days. If approved, funds are transferred immediately.


You can only manage VISA Desjardins • Business cards with this service; personal credit cards are not eligible. Only primary administrators with at least one VISA Desjardins • Business card can register for the cash management service.If a VISA Desjardins • Business card is in your cash management file but upon registra-tion, you are told that you do not have an eligible card, please contact VISA Desjardins at 1-800-266-5662 or 514-397-4600. The service is generally available within one day of registration. However, in some cases, it may take up to three business days. If after three days, an agent still hasn’t contacted you, call 1-877-ACCESD-A.Operations done in the • VISA Desjardins Business Account Management - SME Clientele service are generally completed within two business days

Paying your suppliers and your clientsis so easy

98Direct Deposits and Withdrawals

Jun

e 11

, 201

0

Direct Deposits and Withdrawals

Identification number s01

Your caisse assigned your organization a direct deposit and withdrawal identification num-ber. This number identifies your company to all financial institutions who are members of the Canadian Payments Association (CPA). Have the number available when you contact AccèsD Affaires Services Support Group.

If you are a service administrator, you can consult the information that your caisse entered in your business file. Contact your caisse to make any changes.

File preparation s02

Direct deposit and withdrawal files must meet CPA standards.

File transmission s03

Files must be sent to the Desjardins Data Centre through AccèsD Affaires.

The company will deliver the valid files to the Desjardins Data Centre no later than noon (12:00 p.m.) two (2) business days preceding the effective date of the deposits or withdrawals contained in the file.

Administrative procedures s04

Tracing transactions

The purpose of a trace request is to find a deposit made between the organization and Des-jardins Group or another financial institution. The organization can make such a request up to one (1) year following the effective date of the deposit or direct withdrawal.

The organization must fax the request or contact the AccèsD Affaires Services Support Group at 1 877 AccèsD A, and provide the following information:

• Organization identification number • Number of the file containing the transaction • Transaction reference number • Date of availability of transaction • Number and transit of payee’s financial institution • Payee’s account number • Amount of transaction • Payee’s full name

The Support Group will do the search with respect to the financial institutions concerned, and the results will be sent to the organization within ten (10) business days of the request.

Note: The payee may not directly request a trace; the payee must ask the organization, who will then apply the above procedure.

s00



Jun

e 11

, 201

0

Recall payment request

The revoke payment is a priority request. It must however be done within the prescribed deadlines, since its purpose it to intercept a transaction before it is paid to the payee’s ac-count.

Transactions addressed to the Desjardins caisses• The request must be dated before the availability or effective date of the transaction.

Transactions addressed to other financial institutions• The request must be dated two days before the availability or effective date of the transaction.

A recall request must be made by fax, using the appropriate form provided by the Desjardins caisse responsible for the file or by submitting the Payment Recall Request form under the Transmission tab, in the Forms menu in AccèsD Affaires, before noon on the last busi-ness day preceding the due date of the recalled transaction in accordance with the rules mentioned above. The organization must use a separate form for each financial institu-tion. A phone number used exclusively for this purpose is on the revoke transaction request form.

The organization must fill out the form and provide the following required information:

Identification number• File number containing transaction or transactions to be revoked• Transaction reference number• Number and transit of payee’s or payer’s financial institution• Payee’s or payer’s account number• Amount of transaction• Payee’s or payer’s full name• Date of availability or effective date of transaction•

When it receives this information, the Desjardins Data Centre will intercept the transaction concerned. The organization will receive a report on the revoked transactions. (See Report P-05).

Getting a signed copy of the Reimbursement Claim

When necessary, the organization can obtain a copy of the Reimbursement Claim signed by the customer for returned direct withdrawals with a return code included between 915 and 921. The organization has one (1) year following the return date to get a copy of the Claim.

To get a signed copy of the Reimbursement Claim, the organization must contact the AccèsD Affaires Support Group at 1-877-AccèsD A and provide the following information:



Jun

e 11

, 201

0

Organization ID number• File number containing transaction• Transaction reference number• Date of availability of transaction• Number and transit of payee’s financial institution• Payee’s account or folio number• Transaction amount• Payee’s full name•

The following additional information is available on the return’s P-05 report:

Date in the heading of the report with the return• Return code• Trace number ( “Trace No. Tr.” field on the report)•

The AccèsD Affaires Support Group will do the search with respect to the financial institution concerned, the copy will be sent to the organization within 35 calendar days of the request.

Receiving rejected and returned transactions

Rejected transactions

When transactions are validated by the Desjardins Data Centre, certain parameters are verified; the transaction is rejected if any are not valid. Rejected transactions are shown on Report P-01. Returned transactions

Transactions that are sent to the caisses or to bank branches are subject to additional validation. If any of the criteria is not respected, the caisse or the bank branch will return the transactions. Returns must be made within two business days following receipt of the trans-action at the caisse or branch and must indicate a permitted return code between 901 and 914.

Moreover, in compliance with Rule H1, which governs preauthorized debits, customers can refuse direct withdrawals made to their account. To do so, they must sign a Reimbursement Claim at their financial institution. The time frame for this type of request is specified by the rules of the Canadian Payments Association (CPA). Time frame terms are briefly described in the last chapter of this guide, entitled “Direct withdrawal and stakeholder protection”. The caisse or branch must return the transaction by using the appropriate code from codes 915 to 921.

Return code 922 makes it possible to refuse a credit within 90 calendar days of processing.

All transactions returned electronically to Desjardins Data Centre are described in detail in the P-05 report.



Jun

e 11

, 201

0

Direct withdrawal returns

Code Description

900 Validation rejection

901 Insuff. funds

902 Cannot locate account

903 Stop payment

905 Account closed

907 No debit allowed

908 Funds not free

909 Curr/Acct Mismatch

910 Payor/Payee deceased

911 Frozen account

912 Invalid/err. acct. no.

914 Err. Payor/Payee name

915 Refused - No agreem

916 Not in acc./agreem (P)

917 Agreement revoked (P)

918 No prenotification (P)

919 Not in acc./agreem (E)

920 Agreement revoked (E)

921 No prenotification (P)

990 Default by a financial institution

Direct deposit returns

Code Description

900 Validation rejection

902 Cannot locate account

903 Stop payment

905 Account closed

909 Curr/Acct Mismatch

910 Payor/Payee deceased

911 Frozen account

912 Invalid/err. acct. no.

914 Err. Payor/Payee name

922 CT returned by Payee

990 Default by a financial institution



Jun

e 11

, 201

0

Rerouting rejected transactions

A file is rejected when it does not meet the CPA standards for financial data exchange.

When a file is rejected in whole or in part, the caisse informs tells organization how to pro-ceed.

If there is time, the organization may, after having received the list of rejects, re-submit the transactions in a new file to the Desjardins Data Centre, by:

the usual transmission method• if applicable, the method given in the Direct Deposit and Withdrawal Service Agreement, • i.e.:

issuing cheques to make the payments1. making representations to clients2. asking the caisse to make the transactions manually, and providing to the caisse a list 3.

of transactions concerned (valid only for Desjardins transactions and according to the provisions of the service agreement)

Caisse payments

Payments between the organization and the caisse are made as follows:

On the effective or availability date of the transactions, the amount is automatically with-• drawn or deposited, as the case may be, in the organization’s account.The amount of the payment corresponds to the total transactions sent to the financial • institutions.

Rejected transactions

No payment shall be withdrawn or deposited in the organization’s account for a transaction or file that has been rejected by the Desjardins Data Centre. The organization’s account shall only be affected for the total amount of transactions that have been processed, and not rejected (See Reports P-01 et P-02).

Recalled transactions

The organization’s account is not affected by recalled transactions since the transactions are cancelled before processing, and not sent to the caisses or other financial institutions (See Report P-05).

Returned transactions

For a direct withdrawal transaction (debit): On the return date, the amount due is automati-cally withdrawn from the organization’s account. (See Report P-05).

For a direct deposit (credit) transaction: On the return date, the amount due is deposited automatically in the organization’s account. (See Report P-05).



Jun

e 11

, 201

0

Canadian Payments Association (CPA) Standards s07

Introduction

This section is for organizations issuing direct deposit or direct withdrawal transactions within the Canadian Payments Association’s (CPA’s) network of financial institutions.It describes how organizations must structure their direct deposit or withdrawal transactions to be validated by Desjardins Data Centre’s Direct Deposit and Withdrawal application.

Current standards may be revised as the product evolves.

Data file format

The following principles are listed in no particular order, to help you structure your data files.

One deposit or withdrawal transaction is contained in each segment.• A segment is contained in a logical record of 1,464 characters that must contain 6 seg-• ments (or 6 transactions). If the file is in ASCII mode, one carriage return (hexadecimal value 0D) and one line feed (hexadecimal value 0A) must be added at the end of each logical record. A definition and the validation criteria of each data element can be found in the Data Elements Dictionary located further on in this section.Except for logical elements Types A and Z which are used for identification and control • purposes, logical record Types C and D must contain the information necessary to de-scribe a transaction.All segments of any given logical record must have the same length and format.• If a logical record does not contain 6 segments, the unused segments must be fully • initialized by spaces. The first and last logical record of each file must respectively be Types A and Z.Logical record Types C and D may be intermixed on the same file provided the organiza-• tion is authorized to use them.All unused data elements in a used segment have an initial value of zeros (if numeric) or • spaces (if Alphanumeric).

Numeric data elements will be right justified and zero filled.1. Alphanumeric data elements need not be justified, but must be space filled.2.

File rejection

All files that do not comply with standards will be rejected. The following are the causes for rejection of a readable file:

Missing logical record A1. Missing logical record Z2. Logical record Z out of balance3. Presence of invalid data elements4. Invalid intermixing of logical record types5. Invalid creation date6. Invalid file number7.



Jun

e 11

, 201

0

Important dates s08

File creation date

The file creation date is recorded in the Type A logical record. The Desjardins Data Centre must receive and process a file not later than 7 calendar days after the file creation date, inclusive of the latter. Beyond that date, the file will be rejected. Date transactions become available

A file may contain transactions with different dates available. The Desjardins Data Centre may accept transactions dated up to 14 calendar days after the file creation date. Beyond that, the transaction may be rejected.

Important: The issuing organization (originator) is responsible for the date each transaction is made available (availability date).

Date of transaction delivery within the Desjardins network

For a transaction to a Desjardins caisse account, the Desjardins Data Centre will apply the transaction to the account on the date it is due, even if it is received one or more days be-fore it is available. If a transaction to a Desjardins caisse account is delivered late by issuing organization or on its due date, it will be applied to the balance of the payee’s account on the date it is processed by the Desjardins Data Centre.

Date of transaction delivery in universal mode

For a transaction to another financial institution, the Data Centre will forward the transaction in advance so it can be carried out in the account on the date it is due if it is received two or more days before it becomes available. If a transaction is delivered late or on its due date by the originator, it may affect the payee’s account 2 business days after it is processed by the Desjardins Data Centre.

There is no data exchange among financial institutions on days recognized as national holidays by the Canadian Payments Association. Consequently, plan one extra business day to send your files to the Desjardins Data Centre.



Jun

e 11

, 201

0

Quebec holidays 2009-2010

Date Day Quebec Holiday Customer Support*

Inter-institutional ex-change and processing**

2009-12-25 Friday Christmas Day NO NO

2009-12-26 Saturday Boxing Day NO NO

2010-01-01 Friday New Year’s Day NO NO

2010-01-02 Saturday Day after New Year’s YES YES

2010-04-02 Friday Good Friday YES NO

2010-05-24 Monday Victoria Day (Journée nationale des patriotes)

YES NO

2010-06-24 Thursday Saint-Jean Baptiste Day YES YES

2010-07-01 Thursday Canada Day YES NO

2010-09-06 Monday Labour Day YES NO

2010-10-11 Monday Thanksgiving YES NO

2010-11-11 Thursday Remembrance Day YES NO

2010-12-25 Saturday Christmas Day NO NO

2010-12-27 Monday Day after Christmas NO NO

* Indicates whether resources are available at the Desjardins Data Centre to provide support for processing problems.** Indicates holidays during which data exchange is performed with other financial institutions.

Important There is no data exchange between financial institutions on days recognized by the CPA as national holidays. Consequently, plan an extra business day to send your files to the Desjar-dins Data Centre.

Logical record types s09

The four following tables contain all the information necessary to create files according to the required logical record type.

Logical record type A

DescriptionContains file identification and control information; this logical record occurs only once, and is located at the beginning of each file. It is the first logical record.

Note: All data elements must respect CPA and Desjardins Data Centre standards, or the file will be rejected.



Jun

e 11

, 201

0

Data elements

Number Character position

Number of characters

Contents Name

1 1 1 A Logical Record Type Identification

2 2 - 10 9 1 Number of Logical Records

3 11 - 20 10 Numeric Organization ID Number

4 21 - 24 4 Numeric File No.

5 25 - 30 6 Numeric Creation Date

6 31 - 35 5 81510 Desjardins Data Centre

7 36 - 55 20 Alphanumeric Filler

8 56 - 58 3 Alphanumeric Money code ID


If the file is in ASCII mode, one carriage return (hexadecimal value 0D) and one line feed (hexadecimal value 0A) must be added at the end of each logical record. Check the the data element dictionary for the definitions and validation criteria of each data element.

Logical record type C (Credit)

Description

Contains information about direct deposit transactions.

Data elements



Contents Name

01** 1 1 C Logical Record Type ID

02** 2 - 10 9 Numeric Number of Logical Records

03** 11 - 20 10 Numeric Organization ID Number

04** 21 - 24 4 Numeric File Number

SEGMENT 1

05* 25 - 27 3 Numeric Transaction Type

06** 28 - 37 10 Numeric Amount

07** 38 - 43 6 Numeric Funds’ Availability Date

08* 44 - 52 9 Numeric Number of Payee’s Financial Institution

09* 53 - 64 12 Alphanumeric Payee’s Account Number

10 65 - 86 22 Zero 1 Trace Number

11 87 - 89 3 Zero 1 Initial Transaction Type



Jun

e 11

, 201

0

SEGMENT 1

12 90 - 104 15 Alphanumeric Organization’s Short Name

13*** 105 - 134 30 Alphanumeric Payee’s Name

14*** 135 - 164 30 Alphanumeric Name of Organization


16*** 175 - 193 19 Alphanumeric Reference Number

17* 194 - 202 9 Numeric Institutional ID Number for Returns

18*** 203 - 214 12 Alphanumeric Account No. for Returns

19 215 - 229 15 Alphanumeric Field Reserved for Organization


21 252 - 253 2 Alphanumeric Settlement Code

22* 254 - 264 11 Zero 1 Invalid Data Element ID

1 This field is always zero filled.* This element is compulsory and must be valid or the transaction is rejected.** This element is compulsory and must be valid or the file is rejected.*** This element is compulsory; if absent, the transaction is rejected.

SEGMENTS TWO THROUGH SIX have same format as Segment ONE.

TWO : positions 265 to 504

THREE : positions 505 to 744

FOUR : positions 745 to 984

FIVE : positions 985 to 1224

SIX : positions 1225 to 1464

Note: If a logical record does not contain six segments, it must be completed with spaces up to the 1,464th character. If the file is in ASCII mode, one carriage return (hexadecimal value 0D) and one line feed (hexadecimal value 0A) must be added at the end of each logical record. Check the the data element dictionary for the definitions and validation criteria of each data element.



Jun

e 11

, 201

0

Logical record type D (Debit)

Description

Contains information regarding Preauthorized Payment or Direct Withdrawal transactions.

Data elements



Contents Name

01** 1 1 D Logical Record Type ID

02** 2 - 10 9 Numeric Number of Logical Records

03** 11 - 20 10 Numeric Organization ID number

04** 21 - 24 4 Numeric File Number

SEGMENT 1

05* 25 - 27 3 Numeric Transaction Type

06** 28 - 37 10 Numeric Amount

07** 38 - 43 6 Numeric Due Date

08* 44 - 52 9 Numeric Number of Payer’s Financial Institution

09* 53 - 64 12 Alphanumeric Payer’s Account No.

10 65 - 86 22 Zero 1 Trace Number

11 87 - 89 3 Zero 1 Initial Type of Transaction

12 90 - 104 15 Alphanumeric Organization’s Short Name

13*** 105 - 134 30 Alphanumeric Payer’s Name

14*** 135 - 164 30 Alphanumeric Name of Organization


16*** 175 - 193 19 Alphanumeric Reference Number

17* 194 - 202 9 Numeric Institutional ID number for Returns

18 203 - 214 12 Alphanumeric Account No. for Returns

19 215 - 229 15 Alphanumeric Field Reserved for Organization


21 252 - 253 2 Alphanumeric Settlement Code

22* 254 - 264 11 Zero 1 Invalid Data Element ID

1 This element is always zero filled.* This element is compulsory and must be valid or the transaction is rejected.** This element is compulsory and must be valid or the file is rejected.*** This element is compulsory and must be valid or the transaction is rejected.



Jun

e 11

, 201

0

SEGMENTS TWO THROUGH SIX have the same format as Segment ONE.

TWO : positions 265 to 504

THREE : positions 505 to 744

FOUR : positions 745 to 984

FIVE : positions 985 to 1224

SIX : positions 1225 to 1464

Note: If a logical record does not contain six segments, it must be completed with spaces up to the 1,464th character. If the file is in ASCII mode, one carriage return (hexadecimal value 0D) and one line feed (hexadecimal value 0A) must be added at the end of each logical record. Check the the data element dictionary for the definitions and validation criteria of each data element.

Logical record type Z

Description

Provides control totals of the file contents. It is the last logical record.

Note: All data elements must respect both CPA and Desjardins Data Centre standards, or the file will be rejected.

Data elements



Contents Name

1 1 1 Z Logical Record Type ID

2 2 - 10 9 Numeric Number of Logical Record

3 11 - 20 10 Numeric Organization ID Number

4 21 - 24 4 Numeric File Number

5 25 - 38 14 Numeric Total Value of Type D Transactions

6 39 - 46 8 Numeric Total Number of Type D Transactions

7 47 - 60 14 Numeric Total Value of Type C Transactions

8 61 - 68 8 Numeric Total Number of Type C Transactions

9 69 - 82 14 Zero 1 Field Reserved for the Desjardins Data Centre




13 113 - 1464 1352 Alphanumeric Filler (blank spaces)

1 This element is always zero filled.

If the file is in ASCII mode, one carriage return (hexadecimal value 0D) and one line feed (hexadecimal value 0A) must be added at the end of each logical record. Check the the data element dictionary for the definitions and validation criteria of each data element.



Jun

e 11

, 201

0

Data Element Dictionary s10

Account Number for Returns

12 positions - Alphanumeric - Logical Record Types C and D.The organization is responsible for the validity of the data in this field. Account number of the institution identified for returns. This data element is essential to avoid any delay or confusion in the re-routing of items. If the account number is missing, the transaction will be rejected.

Amount 10 positions - Numeric - Logical Record Types C and D.Dollar amount of the transaction (no decimal point). This data element must be greater than zero or the transaction will be rejected. (Note that an invalid amount may also cause the file to become out of balance, which may cause the entire file to be rejected.)

Creation date

6 positions - Numeric - Logical Record Type A.Date file was created. The format of this element must be “0yyddd” where:

0 = numeric zero

yy = last two digits of the year

ddd = day number of the year

If the creation date is invalid according to the above format, • the transaction will be rejected.If the creation date is more than seven calendar days prior to the validation date of the • file, the Desjardins Data Centre will reject the file.If the creation date is after the file validation date, the Desjardins Data Centre • will reject the file.



Jun

e 11

, 201

0

Desjardins data centre

5 positions - Numeric - Logical Record Type A.Number used only once to identify the data centre where the file is delivered. The identifica-tion of the Fédération des caisses Desjardins du Québec data centre is 81510.If this data element is invalid, the file will be rejected.

Effective, or due date (direct withdrawal)

6 positions - Numeric - Logical Record Type D.The date the item should be charged to the customer’s account. The format of this data ele-ment must be “0yyddd”, where:

0 = numeric zero



If the Effective Date does not respect the above format, the file will be rejected.• If the Effective Date is post-dated more than 14 days after the file Creation Date, or if it is • more than 173 calendar days before the Creation Date, the transaction will be rejected.

Field reserved for the organization

15 positions - Alphanumeric - Logical Record Types C and D.The organization uses this space to add to the description of the transaction for the benefit of the payee or payer. E.g.: the payment period, issue of dividends, billing period, insurance policy number, etc. The absence of this data element will not cause the transaction to be rejected.

File creation number

4 positions - Numeric - Logical Record Types A, C, D and Z.This data element is used to ensure that all files created by the organization’s data process-ing centre are received by the Desjardins Data Centre (and that none are missed or pro-cessed twice). Accordingly, this data element must be incremented by one each time a file is created.

Note: the number that follows 9999 is 0001. If a file creation number is found to be duplicated (except after having reached the maximum of 999), the file will be rejected.

Filler

A variable number of characters (blanks) depending on the particular Logical Record Type. An area reserved for future use.



Jun

e 11

, 201

0

Funds’ availability date (direct deposit)

6 positions - Numeric - Logical Record Type C.The date on which funds are to be available to the payee. The format of this data element is “0yyddd”, where:

0 = numeric zero



If the data does not respect the above format, the file will be rejected.• If the date funds will be available is more than 30 calendar days before the Creation • Date, the transaction will be cancelled.

Initial transaction type

3 positions - Numeric - Logical Record Types C and D.This field must contain zeros upon the file’s initial presentation. Data other than zeros in this element upon initial presentation will cause the file to be rejected.

Institution for returns

9 positions - Numeric - Logical Record Types C and D.The organization is responsible for the validity of this field. This information is neces-sary for routing items to return to the financial institutions (caisses, branches, head offices). The data element is formatted as follows:

(a) (b) (c)

0 815 99999

Where: (a) = constant zero(b) = Desjardins financial institution number(c) = branch transit number

If the number is invalid, the transaction will be rejected.



Jun

e 11

, 201

0

Invalid data element identification

11 positions - Numeric - Logical Record Types C and D.When a rejected transaction is being returned with a 900 series code, this field serves to indicate those data elements which are invalid. This field must contain zeros on initial presentation. The presence of data other than zeros in this field on the initial presentation will cause the transaction to be rejected.

Item trace number

22 positions - Numeric - Logical Record Types C and D.The organization must fill this field with zeros only. The presence of data other than zeros in this field upon the initial processing of the file will cause the transaction to be rejected. During processing, an exclusive trace number other than zeros is assigned by the Desjar-dins Data Centre to each transaction to facilitate tracing. When an item is returned, i.e. when the transaction type is in the “900” series, the original trace number for the item must ap-pear.

Logical record type identification

1 position - Alphanumeric - All Logical Record Types.Used to identify the Logical Record type. This data element is mandatory for all Logical Re-cords, and contains an “A” for Logical Record Type A, “C” for Logical Record Type C, etc. If invalid, the file will be rejected.

Number of logical records

9 positions - Numeric - All Logical Record Types.This number is 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 be numeric and have a value exactly one (1) greater than the Logical Record Count of the previous Logical Record or the file will be rejected.

Organization identification number

10 positions - Numeric - Logical Record Types A, C, D, and Z.Identification number assigned to the organization. If this data element is invalid, the file will be rejected.

Organization’s short name

15 positions - Alphanumeric - Logical Record Types C and D.The organization must use this element. The absence of data in this field will result in a rejected operation. The short name is used on certain reports so it should be specific so readers will recognize the company name.



Jun

e 11

, 201

0

Payee’s name

30 positions - Alphanumeric - Logical Record Type C.Full name of the holder of the credited account. If this field is blank, the transaction will be rejected.

Payee’s or payer’s account number

12 positions - Alphanumeric: Logical Record Type C (payee).

Logical Record Type D (payer).

The organization is responsible for the validity of this data element. Used to identify the payee’s or payer’s account with the financial institution. The account number may have dashes, and does not need to be justified. The processing financial institution’s data system will determine whether the payee’s or payer’s account number is valid. The Desjardins Data Centre carries out a validation of the account number for transactions routed in the Desjar-dins network.

Payee’s or payer’s institution number

9 positions - Numeric - Logical Record Types C and D.The organization is responsible for the validity of this data element. This number is used to identify the payee’s or payer’s financial institution. An institution’s number is composed as follows:

(a) (b) (c)

9 999 99999

Where: (a) = constant zero(b) = institution number(c) = caisse or branch number

For all Logical Record Types, this number must be registered in the CPA’s Financial Institu-tions File. If the number is not valid, the transaction will be rejected. If it is valid but does not refer to Desjardins, the transaction will be routed to the designated financial institution’s data centre.

Payer’s name

30 positions - Alphanumeric - Logical Record Type D.Full name of the holder of the account to debit. If this field is blank, the transaction will be rejected.



Jun

e 11

, 201

0

Reference number

19 positions - Alphanumeric - Logical Record Types C and D.The organization uses this zone to identify the transaction for internal management pur-poses and to allow the Desjardins Data Centre to carry out searches, execute revoke requests, or cancel transactions. It is recommended to create reference numbers in a structured manner in order to facilitate the above-mentioned operations. The number must be in capitals. For example, a reference number could be composed as follows:

Positions 1 to 5 correspond to a group of employees• Positions 6 to 10 correspond to a sub-group of employees• Positions 11 to 9 correspond to each employee’s social insurance number.•

The number must be unique to each transaction and it is mandatory, or the file will be rejected.

Settlement Code

2 positions - Alphanumeric - Logical Record Types C and D.The Desjardins Data Centre may use this zone to exclusively designate the requirements of the organization in terms of settlement. For the time being, this field must be filled in with blanks. The absence of this data element will not cause the transaction or the file to be rejected.

Total number of Type C or Type D transactions

8 positions - Numeric - Logical Record Type Z.Total number of Type C or Type D transactions in the file, whether or not the transactions are valid. This data element must be zero if the file contains no Logical Record Types C or D. If the contents of this data element do not equal the number of Type C or D transactions on the file, the file will be rejected by the Desjardins Data Centre.

Total value of Type C or D transactions

14 positions - Numeric - Logical Record Type Z.The total amount shown in the data elements for Type C or D transactions in the file.This data element must be zero if the file contains no Logical Records of Type C or D trans-actions. If the contents of this data element do not equal the value of the total amount for data elements in Type C or Type D transactions on the file, the file will be rejected by the Desjardins Data Centre.

Transaction type (see list presented at the end of this section)

3 positions - Numeric - Logical Record Types C and D.Used by the organization to indicate the type of payment. The Desjardins Data Centre must pass the transaction type as it is received from the organization. The type of transaction must appear in the transaction type listing prepared by the CPA. If the transaction type is invalid, the transaction will be rejected.



Jun

e 11

, 201

0

Transaction types

Category Range Tran type. Description Abbreviation

Future Use 000 - 099 Unassigned


Clearing Items 150 - 199 Reserved for MICR Debits

Preauthorized Transactionss 200 - 229 200 Payroll Deposit

201 Special Payroll

202 Vacation Payroll

203 Overtime Payroll PAY

204 Advance Payroll

205 Commission Payroll

206 Bonus Payroll

207 Adjustment Payroll

230 - 239 230 Pension

231 Federal Pension PEN

232 Provincial Pension

233 Private Pension

240 - 249 240 Annuity ANN

250 - 259 250 Dividend

251 Common Dividend DIV

252 Preferred Dividend

260 - 279 260 Investment INV

261 Mutual Funds MTF

271 RSP Contribution RSP

272 Retirement Income Fund RIF

280 - 299 280 Interest INT

For Federal Government Use Only (Institution numbers 117 and 177)

300 - 329 300 Federal Government FED

301 Agriculture Stabilization Payments AGR

302 Canadian Dairy Commission CDC

308 Child Tax Credit CTC

309 Goods and Services Tax GST

310 Canada Pension Plan CPP

311 Old Age Security OAS

312 War Veterans’ Allowances WVA

313 Pension Commission PC

314 Family Allowances FA

315 Public Service Superannuation PSS



Jun

e 11

, 201

0

Category Range Tran type. Description Abbreviation

316 Canadian Forces Superannuation CFS

317 Tax Refunds RIT

318 Employment Insurance (unemployment) UI

320 Government Student Loans GSL

321 CSB Interest CSB

322 External Affairs

Preauthorized Transactions 330 - 349 330 Insurance

331 Life Insurance

332 Auto Insurance INS

333 Property Insurance

334 Casualty Insurance

335 Mortgage Insurance

336 Dental Care Claim Insurance. DCI

350 - 369 350 Loans

351 Personal Loans

352 Dealer Plan Loans LNS

353 Farm Improvement Loans

354 Home Improvement Loans

355 Term Loans

356 Insurance Loans LNS

370 - 379 370 Mortgage

371 Residential Mortgage HYP

372 Commercial Mortgage

373 Farm Mortgage

380 - 399 380 Taxes

381 Income Taxes

382 Sales Taxes

383 Corporate Taxes TAX

384 School Taxes

385 Property Taxes

386 Water Taxes

400 - 419 400 Rent / Leases

401 Residential Rent / Leases

402 Commercial Rent / Leases LS

403 Equipment Rent / Leases

404 Automobile Rent / Leases

405 Appliance Rent / Leases



Jun

e 11

, 201

0

Category Range Tran type Description Abbreviation

420 - 429 420 Cash Management CMS

430 - 449 430 Bill Payment

431 Telephone Bill Payment

432 Gasoline Bill Payment

433 Hydro Bill Payment BPY

434 Cable Bill Payment

435 Fuel Bill Payment

436 Utility Bill Payment

437 Internet Access Payment IAC

450 - 599 450 Misc. Payments MSP

451 Customer Cheques CCQ

452 Expense Payment EXP

460 Accounts Payable AP

470 Fees / Dues FEE

480 Donations DON

600 - 610 600 Provincial Government PRO

601 Family Support Plan FSP

602 Housing Allowance HSG

603 Income Security Benefit ISB

604 Provincial Family Allowance PFA

605 Federal - Provincial Transfer Payment FPT

606 Worker’s Compensation Board WCB

607 Employment Assistance Allowance EAA

608 ** Automobile Insurance Plan AIP


700 Business PAD BUS

Commercial Pre-Authorized Debits (PADs)

701 - 749 701 Commercial Investments CIV

702 Commercial Insurance CIN

703 Commercial Auto Insurance CAI

704 Commercial Property Insurance CPI

705 Commercial Casualty Insurance CCI

706 Commercial Mortgage Insurance CMI

707 Commercial Loans CLN

708 Commercial Mortgage CMG

709 Commercial Taxes CTX

710 Commercial Income Taxes CIT

711 Commercial Sales Taxes CSL



Jun

e 11

, 201

0

Category Range Tran type Description Abbreviation

712 Commercial GST CGT

713 Commercial Property Taxes CPT

714 Commercial Rent/Lease CRL

715 Commercial Equipment Rent/Lease CRL

716 Commercial Automobile Rent/Lease CAR

717 Commercial Cash Management CCM

718 Commercial Bill Payment CBP

719 Commercial Telephone Bill Payment CTB

720 Commercial Gasoline Bill Payment CGB

721 Commercial Hydro Bill Payment CHB

722 Commercial Cable Bill Payment CCB

723 Commercial Fuel Bill Payment CFB

724 Commercial Utility Bill Payment CUB

725 Commercial Internet Bill Payment CIB

726 Commercial Water Bill Payment CWB

727 Commercial Auto Payment CAB

728 Commercial Expense Payment CEP

729 Commercial Accounts Payable CAP

730 Commercial Fees/Dues CFD

Use by internal subscriber 750 - 899

** Effective April 8, 2000.

Notes: All transaction types will be used for both debit and credit transactions. The debit or credit will be determined from the logical record type. The mnemonic code under the heading “Abbreviations” is a suggested description of at least three characters. The financial institution data centres may modify them, provided they remain within the generic type.



Jun

e 11

, 201

0

Direct withdrawal and consumer protection s11

This section contains a summary of CPA Rule H1 – Pre-Authorized Debits (PADs) Rule. For more details, the organization can consult the CPA Web site at www.cdnpay.ca or the rule at http://www.cdnpay.ca/rules/acss_rules_h1.asp.

Introduction

The purpose of this summary is to highlight the various elements which ensure the protection of consumers using the direct withdrawal service.

Direct withdrawal is, by its very nature, considered risky to consumers since, essentially, they are authorizing a third party to make periodic withdrawals from their account. In this context, Desjardins respects Rule H1 to ensure the protection of all parties, including the consumer, the caisse and the organization collecting the payment. Definition of service and interested parties.

Direct withdrawal is a service financial institutions offer organizations, to enable them to ef-ficiently recover sums of money owed by their respective customers through electronic fund transfers.

For the organization’s customer, it is a payment method whereby he or she voluntarily au-thorizes automatic withdrawals to be made directly from his or her savings account to pay the amounts billed by the organization. Direct withdrawals are usually offered in universal mode, which means that the organization’s customer can have an account in any of the Canadian member financial institutions of the Canadian Payments Association (CPA) which have an exchange point in Québec. It should be remembered that this payment method by direct withdrawal from a customer’s account is a service which is offered, not by the financial institution, but by an organization which provides goods or services to its own customers. Consequently, four parties are involved in providing this service:

the organization’s customer• the organization providing the goods or services• the organization’s financial institution• the financial institution of the organization’s customer.•

Possible problems

While the operation of the direct withdrawal service is relatively simple, the large number of people involved complicates matters in terms of responsibility. If problems arise, the prob-lem-solving process can often be long and is generally much more annoying than costly for the consumer.

http://www.cdnpay.ca



Jun

e 11

, 201

0

Measures adopted by the CPA

The CPA has adopted specific regulations governing compensation for direct withdrawals (preauthorized debit plan) between the various CPA member institutions. These regulations set out the standard clauses which must be included in service agreements between the organization and its financial institution, and the authorization form which must be signed by the consumer who wishes to use this service. The regulations also define the responsi-bilities of the various parties involved, and the procedures to ensure that any customer of an organization using the direct withdrawal service is rapidly reimbursed if an error occurs. More specifically, certain guidelines of the CPA respond to concerns regarding the security of member (customer) accounts, specifically:

if an organization fails to comply with the CPA’s regulations, the financial institution • “sponsoring” the organization automatically becomes the guarantor for transactions oc-curring in customer accounts in CPA member institutions; in the event a withdrawal is not made with the Payor’s PAD Agreement or if the Agree-• ment was the customer has 90 calendar days for a personal preauthorized debit, or 10 business days in the case of a company preauthorized debit to request reimbursement of the disputed item from his or her financial institution. Upon signature of a reimburse-ment request form provided for this purpose by the CPA, the customer’s financial institu-tion must reimburse him or her immediately. In addition, the financial institution “spon-soring” the organization must immediately cover any debit received from the customer’s financial institution.

* For the 10 business day time frame to apply, Rule H1 specifies that the business PDA must have been coded as transaction type 700 to 730.

The role of the organization

The organization is responsible for providing customer authorization forms, collecting them once they are filled out and keeping them for future reference. The caisse will provide the organization with the required material. Based on the information contained in the authori-zation forms, the organization creates a computer file as stipulated in its service agreement with the caisse. The caisse does not require a copy of the form; however, it reserves the right to obtain a copy upon request. With regard to preauthorized debits for a fixed amount, the organization provides the customer with written notification of the amounts and due dates of the debits at least 10 calendar days before the due date of each preauthorized debit. When the debits are for varying amounts, this same advance notice must be provided every time the amount or payment date changes.

Send data quickly and securely

122Direct Deposit and Withdrawal Data Transmission

Jan

uary

29,

201

0

Direct Deposit and Withdrawal Data Transmission

Data transmission t01

Use the Data Transmission Service to send files electronically. For now, only direct deposit and withdrawal files structured according to the Canadian Payments Association (CPA) stan-dards are accepted.

Service availability t02

The Data Transmission Service is available 24 hours a day, 7 days a week.

Given the critical nature of the data being transmitted, a backup system is available. In case the AccèsD Affaires service is down, files can still be transmitted.

Security t03

The Data Transmission service uses 128-bit encryption protocol, the highest industry security standard. This protocol ensures that transmitted data can only be read by authorized persons.

• Data is verified to make sure it corresponds to the data transmitted and the signature is double-checked.

Required equipment and operating systems t04

The Data Transmission Service is accessible through the following environments:

• Windows 2000, XP, Vista and Mac OS X.

We suggest a 56K modem.

Supported browsers:

• Microsoft Explorer 6.0 and higher with 128 bit encryption. Mozilla Firefox 1.5 and higher. Safari 1.3.9 and higher.

Initial use of the Data Transmission Service t01c

Before you send your first batch of files for processing, you have to run a test to make sure that your information is valid and that the file format corresponds to CPA standard 005.

To run the test, you will have to create and transmit a file to Desjardins Computer Headquar-ters. This file must be created with your accounting software and contain real data. After you send it, Desjardins will contact you on the next business day to let you know that your profile has been activated or to ask you for another test file containing patches.

Note: The processing centre number you need to enter is 81510 and the organization number corresponds to the 10-digit number you received from your caisse.

t00



Jan

uary

29,

201

0

Transmission procedure

1. Use your accounting software to create a CPA file (take note of where you save the file); 2. Open your Web browser (Internet Explorer) and go to: https://accesd.affaires.desjardins.com; 3. Enter your user code and password and click on the Validate button; 4. Click on the Transmission tab; 5. Click on the Browse button and get your CPA file (the one created in step 1); 6. Click on the Transmit button; 7. Wait approximately 30 minutes for your file to be processed.

Transmission or verifcation results

After sending the file, you can check the results of the transmission by clicking Status. The page that appears describes the status of the most recent transmissions. The following elements are listed for each transmitted file:

• the file name; • the date and time of the transmission; • the confirmation number of the transmission.

The Status column

• You can track your file using this column.

There are two parts to the transmission:

1. validation; 2. processing.

At the validation phase, the file may be rejected because:

• the CPA file format is not valid; the file does not respect CPA standard 005; • invalid content: the totals (number of transactions and amount) do not correspond to the content; • invalid transmission privileges: the user is not authorized to transmit files.

In each case, you can get additional information about the rejection and how to correct the situation by clicking on the “?” to the right of the status.

Status

• If the file is successfully validated, the status will change to Processing and you can click a link to disply the information about the file: the file number, number and amount of transactions it contains. • If the file is rejected, the status will change to DDW processing error, in which case an agent will contact you before the end of the day. • If the file is succesfully processed, the status will change to Processing complete.

Despite all precautions, some transactions in the file may be rejected. If this happens, please read reports P-02 and P-03, which will be available at your caisse the next business day.

https://accesd.affaires.desjardins.com



Jan

uary

29,

201

0

Providing access to users t06

If you are a system administrator: provide authorized users with access to the Data Trans-mission Service.

Downloading software components t07

Certain transmission functions are performed on your computer. You must download and install the software components:

• Before your first file transmission. • When you change computers. • When you change operating software.

As a security measure, this function is only accessible for 15 days after you subscribe to the Data Transmission Service. After that time, the administrator should contact the AccèsD Af-faires Services Support Group for access.

The software components may be obtained by browser from the Data Transmission Ser-vice’s download page. When you download, you will get two files. The first includes the soft-ware needed for your computer, and the second contains the encryption keys. The software in the first file includes compression and encryption programs and the Client FileDrive pack-age. If you are planning to use https mode, you do not have to install the Client FileDrive software, which is only required if you use the ftp-SSL transmission mode.

Each time you download, your browser will ask which directory to save the file in. We sug-gest you define a temporary directory reserved for this purpose, for example c:\tddtemp, before downloading, and use the same directory for both downloads.

Add to the file .PROFILE export TDDPATH=$home/tdd


125Daily electronic direct deposit, withdrawal and cash reports.

Apr

il 28

, 200

9

Daily electronic direct deposit, withdrawal and cash reports. s05

Report P01 “Rejected Transactions”

This report is produced for the purposes of checking and controlling transactions rejected by the Desjardins Data Centre upon initial processing. Report P-01 is produced only if one or more transactions are rejected (one report per file processed), no report is generated if there were no rejections.

The report is generated and available on AccèsD Affaires the day after processing before 6:00 a.m., Monday to Friday. The organization’s account will not be affected by rejected transactions.

Content

Contains all the information necessary to identify the file or transactions rejected by the Desjardins Data Centre at the time of validation, and the reason or reasons for the rejection. Rejected transactions must be checked and corrected by the organization, before being processed again. Report P-01 provides the following information:

Organization identification number (user number)• File number• File creation date• Organization status• Reference number for rejected transaction• Type of transaction• Counter number• Transaction code• Availability or effective date of transaction• Number of financial institution receiving transaction• Name of payee or payer• Amount of transaction• Error message (reason for rejection).•

P-01 REJECTED TRANSACTIONSTO: C/O DIRECT DEPOSIT SUPERVISOR

815-98000 CAISSE CENTRALE DESJARDINS

PAGE 11 JANUARY 99

USER NO.: 98000-00000 FILE NO.: 0340 CREATION DATE: 96361 - ACTIVE

Ref. No. Type Counter No Trns. Date Rec. Instit. Acct. Name Amount - Message -

Debit Credit

243829034814 D 000000091-06 450 96363 815-30347 123456-7 R. Roy 122.00 Member account error

301882042007 D 000000140-02 433 96363 815-32026 123456-6 P. King 150.00 Not valid instit.

Total D-C 272.00 0.00

E-F 0.00

_____________

272.00 0.00

tu00



Apr

il 28

, 200

9

Report P02 “Control Totals”

The organization uses this report to compare transaction totals processed by the Desjardins Data Centre with its own totals. The report is generated and available on AccèsD Affaires the day after processing before 6:00 a.m., Monday to Friday. The organization’s account will be debited or credited, as the case may be, by the same amount that appears under the heading “Accepted Transactions”. A separate report is produced for each file received by the Desjardins Data Centre.

ContentThis report contains the number (quantity) and total amount of accepted and rejected transactions*, as well as the items from the file’s control sheet (sheet Z). Report P-02 provides the following information:

Organization’s identification number• File number• File creation date• Registration file type• Quantity and amount of accepted transactions (by registration file type)• Quantity and amount of rejected transactions (by registration file type)• Quantity and amount of debits (by registration file type)• Quantity and amount of credits (by registration file type)• Totals for “Z” sheets• General rejections total.•

* Transaction details are given on Report P-01.

P-02 CONTROL TOTALSTO: C/O DIRECT DEPOSIT SUPERVISOR


PAGE 11 JANUARY 99

USER NO.: 98000-00000 FILE NO.: 0340 CREATION DATE: 96361 - ACTIVE

Type Accepted Trans. Rejected Trans. Debit Total Credit Total

Rec. Qty. Amount Qty. Amount Qty. Amount Qty. Amount

D 4.322 510.401.32 2 272.00 4.322 510.401.32

_______ __________

TOTAL: 4.322 510.401.32 0 0.00

TYPE Z REG.:

D-C E-F

4.322 0

510.401.32 0.00

0 0

0.00 0.00

_______ __________ _____ ________

TOTAL: 4.322 510.401.32 0 0.00

REJETS: D-C E-F

2 0

272.00 0.00

0 0.00

_______ __________ _____ ________

TOTAL: 2 272.00 0 0.00



Apr

il 28

, 200

9

Report P03 “Daily Payments” The organization uses this report to monitor the total amounts sent to the various financial institutions. It can also be used to check transaction availability dates. If there are several dates, the organization’s account will be affected for each availability or effective date of transaction indicated on Report P-03. The availability or effective date is located under the file number. The report is generated and available on AccèsD Affaires the day after processing before 6:00 a.m., Monday to Friday. One report per file processed is produced.

Content

For each deposit or withdrawal transaction date, Report P-03 provides the following information:

Organization identification number• File number• File creation date• Number of receiving financial institution• Quantity and total amount of debit and credit transactions sent to the Desjardins caisses• Quantity and total amount for all transactions• Cumulative amount for all accepted transactions for each file•

P-03 DAILY PAYMENTSTO: C/O DIRECT DEPOSIT SUPERVISOR


PAGE 11 JANUARY 99

USER NO.: 98000-00000 FILE NO.: 0340Date : 3 JAN 99

CREATION DATE: 96361 - ACTIVE

INSTITUTION TRANSACTIONS SITUATION

No Name Debit No Debit No

Qty. Amount Qty. Amount

815 829 815

SIC SIC SOC

2417 3 0

282,189.43 286.00

0.00

0 0 0

0.00 0.00 0.00

282,189.43 286.00

SUB-TOTAL: 2420 282,475.43 0 0.00 282,475.43

001002003004006010016039509

32578

37887

650232

7141

4

38,196.3311,297.5043,594.44

8,754.1381,652.3327,052.24

828.2016,289.72

261.00

000000000

0.000.000.000.000.000.000.000.000.00

38,196.3311,294.5043,594.44

8,754.1381,652.3327,052.24

828.2016,289.72

261.00

SUB-TOTAL: 1902 227,925.89 0 0.00 227,925.89

TOTAL: 4322 510,401.32 0 0.00

P-03 DAILY PAYMENTSTO: C/O DIRECT DEPOSIT SUPERVISOR


PAGE 21 JANUARY 99

USER NO.: 98000-00000 FILE NO.: 0340Recap

CREATION DATE: 96361 - ACTIVE

INSTITUTION TRANSACTIONS

No Name Debit Credit


815 829 815

SIC SIC SOC

2417 3 0

282,189.43 286.00

0.00

0 0 0

0.00 0.00 0.00

Sub-TOTAL: 2420 282,475.43 0 0.00

001002003004006010016039509

32578

37887

650232

7141

4

38,196.3311,297.5043,594.44

8,754.1381,652.3327,052.24

828.2016,289.72

261.00

000000000

0.000.000.000.000.000.000.000.000.00

Sub-TOTAL: 1902 227,925.89 0 0.00

TOTAL: 4322 510,401.32 0 0.00



Apr

il 28

, 200

9

Report P05A “Exception Report” The organization uses this report to monitor:

ancelled transactions• corrected transactions (types E and F generated only by the Desjardins Data Centre)• transactions returned by the caisses (types I and J)• transactions recalled at the organization’s request.• the report is generated when one or more deposit or withdrawal transactions have been affected.• if a report is generated, it is available on AccèsD Affaires the day after processing before 6:00 a.m., Monday to Friday.•

Content

Report P-05 (A) provides some of the following information:

Number and name of the organization’s caisse• Organization identification number (user number)• Number of financial institution receiving the transaction• Number of payee or payer• Name of payee or payer• Amount of returned or recalled transaction(*)• Type of initial transaction• Availability or effective date• File date• Original trace number• Desjardins Data Central trace number• Name of organization• Reference number• Trace number• Return code•

* Returned transactions affect the organizations account on the date of the return.

P-05(A) EXCEPTION REPORTTO : C/O DIRECT DEPOSIT SUPERVISOR USER NO.: 98000-00000


PAGE 18 JANUARY 99

Rec. Instit. Payee, payer acct no. Amount Type Act Eff. Date Fi Date Dest Tr no. fcdq Tr. No.

Org. name Ref no. Trace no. Trace no. Trans.

0815-00028 123456-7 P. ROY 151.00 J A 7 JAN. 99 0340 96361 81510 0000-00000-0000-00000

Hydro-Québec 543882002008 0000-00000-0000-00000 903 0000-00000-0000-00000

0815-10025 123456-7 A. ROY 141.00 J A 7 JAN. 99 0340 96361 81510 0000-00000-0000-00000

Hydro-Québec 693851097008 0000-00000-0000-00000 904 0000-00000-0000-00000

0815-10137 123456-7 B. ROY 82.05 J A 7 JAN. 99 0340 96361 81510 0000-00000-0000-00000

Hydro-Québec 663872278002 0000-00000-0000-00000 901 0000-00000-0000-00000

0815-20008 123456-7 D. ROY 179.58 J A 7 JAN. 99 0340 96361 81510 0000-00000-0000-00000

Hydro-Québec 481674115235 0000-00000-0000-00000 905 0000-00000-0000-00000

0815-20435 123456-7 T. ROY 91.03 J A 7 JAN. 99 0340 96361 81510 0000-00000-0000-00000

Hydro-Québec 421849001639 0000-00000-0000-00000 903 0000-00000-0000-00000

0815-20454 123456-7 F. ROY 422.62 J A 7 JAN. 99 0340 96361 81510 0000-00000-0000-00000

Hydro-Québec 463814100822 0000-00000-0000-00000 905 0000-00000-0000-00000

Debit Credit

Type Qty. Amount Type Qty. Amount

Rec. Rec.

J 6 1,067.28 I 0 0.00

Grand total : 6 1,067.28 0 0.00



Apr

il 28

, 200

9

Report P05B “Returned Transactions”The organization uses this report to control the same types of transactions that appear on Report P-05(A), except that this report deals with returns from other financial institutions.

The report is generated when one or more deposit or withdrawal transactions have been affected. If a report is generated, it is available on AccèsD Affaires the day after processing before 6:00 a.m., Monday to Friday.

Content

Report P-05 (B) provides the following information:

Number and name of the organization’s caisse• Organization’s identification number (user number)• Number of the financial institution receiving the transaction• Payee’s or payer’s account number• Name of payee or payer• Amount of returned or recalled transaction (*)• Initial type of transaction• Availability or effective date• File date• Original trace number• Desjardins Data Centre trace number• Name of organization• Reference number• Trace number• Return code• Reason for return message•

* Returned transactions affect the organization’s account on the date of the return.

P-05(B) RETURNED TRANSACTIONSÀ : C/O DIRECT DEPOSIT SUPERVISORUSER NO.: 98000-00000


PAGE 19 JANUARY 99

AVAILABILITY DATE : 7 JANUARY 99

Ref. No. Type Trans.. Payee Acct. Amount Item Tr. No. FCDQ Tr. No. Bank Type Ret. type

Rtrn. Acct. Inst. ID Item Tr. No Original Tr. No. -Message-

951890002607 J 433 P. ROY DT 62.92 151-00610-4763-290520833 00610 901

0006-065211072099 0815-98000 123456-7 CT 0061-81510-3291-000002685 NSF

223854204011 J 433 A. ROY DT 84.00 8151-00610-4763-290521099 00610 901

0006-01371-0957700 0815-98000 123456-7 CT 0061-81510-3291-000002080 NSF

711889104024 J 433 B. ROY DT 112.00 8151-00610-4763-290521104 00610 901

0006-02971-250405 0815-98000 123456-7 CT 0061-81510-3291-000002610 NSF

261852008604 J 433 D. ROY DT 127.56 8151-00410-3324-340000040 00610 901

00004-43841-01300248983 0815-98000 123456-7 CT 0061-81510-3234-000000784 NSF

723843057016 J 433 T. ROY DT 156.00 8151-00210-3255-000059849 00610 901

0002-31161-005590 0815-98000 123456-7 CT 0061-81510-3201-000000377 NSF

72381168015 J 433 F. ROY DT 278.00 8151-00610-4763-290521105 00610 901

0006-06901+0131905 0815-98000 123456-7 CT 0061-81510-3291-000002619 NSF


SUB-TOTAL D 0 0.00 C 0 0.00

E 0 0.00 F 0 0.00

J 6 820.48 I 0 0.00

CARRY TO C-01: 6 820.48 0 0.00



Apr

il 28

, 200

9

Report P07 “Notice of change”

This report is produced for caisse mergers. In this report, the organization is asked to change the pre-merger ad-dress and enter the new address mentioned in the report. The report is generated at the end of the day on the third Friday of each month.

Contents

Contains the information required to replace the old data with the new data.

Organization number• Name of the business• Address of the business• Name of the contact at the business• Client reference number• Name of the payee• Old financial institution• Old account• New financial institution• New account• Trace number•

P-07 AVIS DE CHANGEMENT GROUPE DRD PAGE 1

J61AC02 NOTICE OF CHANGE RESPONSABLE DU DEPOT DIRECT 01/05/18

DATE : 18/05/01 20:26:47

NO USAGER / USERID

ADRESSE / ADDRESS

REPOSABLES / IN CHARGE I/P: ADM:

S.V.P. VEUILLEZ REMPLACER LES ANCIENS NUMEROS D’INSTITUTION ET DE COMPTES PAR LES NOUVEAUX NUMEROS

PLEASE REPLACE ORIGINAL INSTITUTION AND ACCOUNT INFORMATION WITH NEW INFORMATION

NO REFERENCE DU CLIENT

NOM BENEFICIAIRE ANCIEN INSTITUTION ET COMPTE

NOUV. INSTITUTION ET COMPTE

NO REPERE

CUSTOMER CROSS REFERENCE

PAYEE NAME FORMER INSTITUTION AND ACCOUNT

NEW INSTITUTION AND ACCOUNT

TRACE NO

XXXXXX 00000000 XXXXXXXX, XXXXXXXX 0000-000000000000 0000-00000000000-0 0000000000000000000000








Apr

il 28

, 200

9

SPC-12 REPORT : DAILY CASH REPORT

Detailed report which includes your client account collection information. The report includes:

Your client’s reference number.1. Identification of where the payment came from and the transit of the institution in which 2. the payment was made.

Amount paid.3. Payment date.4. Payor’s name.5. Subtotals, divided according to mode of payment.6. Total of all payments collected.7.

Please note that the reference number only appears once if the same client paid in 2 instalments on the same day.

AccèsD Affaires: your door to a world of possibilities

132Bank Reconciliation and Consignment

Apr

il 28

, 200

9

Bank Reconciliation and Consignment

Remarks for Caisse centrale members u01

Together with Caisse centrale Desjardins, you selected the folios and accounts and opera-tions that are available in AccèsD Affaires.Only folios of Caisse centrale Desjardins can be registered in the AccèsD Affaires file opened at Caisse centrale Desjardins.You can have access to folios in US funds.If you are an administrator, you can view the information in the business file. To change the accounts or operations available to your company, contact Caisse centrale Desjardins.The Cash Management service is available from Monday to Friday, from 7 a.m. to 7:30 p.m. It is not available on holidays.

Operations available in the Caisse centrale Desjardins AccèsD Affaires service:

• Online or deferred transfers • Multiple transfers • Additional information about an account • Statement of accounts or transactions • Produce a VISA Desjardins statement of account • View, change or delete pending transactions • Sign or delete a transaction pending signature • Cheque reconciliation/consignment

Note: Supplier or bill payments and government remittances are not available.

Transaction dates

No transaction will be entered on your accounts on Saturday or Sunday.

The Caisse centrale Desjardins month-end takes place according to the following schedule:

The month ends on a The caisse month-end takes place during the night of

Sunday Friday to Saturday

Monday Monday to Tuesday

Tuesday Tuesday to Wednesday

Wednesday Wednesday to Thursday

Thursday Thursday to Friday

Friday Friday to Saturday

Saturday Friday to Saturday

u00



Apr

il 28

, 200

9

Cheque status

The cheque status may be one of the following:

Statement Description

Issued The cheque was transmitted to the Caisse centrale Desjardins, but has not yet reached the date of issue.

Outstanding The date of issue has been reached.

Cancelled A cancellation or replacement transaction was made on the cheque.

Replaced The cheque was replaced by another cheque.

Cashed The payee has cashed the cheque.

Cashed - rejected he cheque was rejected when being cashed because it was not outstanding.

Out of Date The deadline for cashing the cheque has passed.

Reimbursed Once the deadline for cashing the cheque has passed, the amount of the cheque is paid to the main account.

Bank reconciliation and consignment u02

Caisse centrale Desjardins reconciles your account on a regular basis (daily, weekly or monthly), and mails you the following reports:

• Reconciliation statement • List of cheques cashed • List of cheques cashed - rejected • List of cheques outstanding

The AccèsD Affaires Bank Reconciliation / Consignment service enables you to look over the cheques and make transactions (stop payment order, cancellation, etc.). In addition, if you chose the cheque consignment option, you can request cheque photocopies and origi-nals through AccèsD Affaires.

Available accounts u03

Two accounts are used for reconciliation transactions:

• The RC account (reconciliation / consignment) and the account on which the cheques are drawn. • The main account is the treasury account from which the total amount of a cheque issue is transferred to the RC account.



Apr

il 28

, 200

9

Service availability u04

The Bank Reconciliation / Consignment service is available from Monday to Friday, from 7 a.m. to 7:30 p.m. It is not available on holidays. u05Cheque file transmission to Caisse centrale Desjardins

Your computer system generates a file that must be sent to Caisse centrale Desjardins at least 48 hours in advance of the issue. This file is not transmitted through AccèsD Affaires.

On the cheque issue date:

• “Outstanding” status is assigned to the cheques. • The total amount of the issue is transferred from the main account to the RC account.

Consult transmissions awaiting an issue date

• Lines in the Origin column that show “Transmission” refer to transmissions awaiting issue date. They provide information on transfers that will be made on that date. It is not possible to change or eliminate such transactions.

Cheque search u06

You must always provide search criteria before obtaining a list of cheques. This will limit the number of cheques displayed on one page: too many will hamper the system’s performance.

You may enter one or several search criteria. Only cheques that satisfy these points will be selected.

The available criteria are:

Criteria Description

Cheque Number Select just one cheque or all cheques in the specified range.

Reference number 1 Select cheques by payee’s identification number.

Amount Select a single amount or all cheques that include the amount in the specified range.

Status Select cheques with a specific status.

• Check the status “In circulation” or “Cashed/rejected”, to select the cheques

that currently fall under this status.

• Check the status “Issued”, “Cashed”, “Cancelled” or “Replaced”, to select all

the cheques that attained this status within the specified time period.

A large number of cheques may fit the specified criteria. For reasons pertaining to system performance, the cheques may be displayed in batches of 100 per page. If you only need to know the number of cheques and total amount, and you do not need to read the list, you may want to use the Calculate Total option, which does not limit the number of cheques processed.



Apr

il 28

, 200

9

Obtain selection total

1. Select the Cash Management tab, then Transaction accounts. 2. Select the account in the Cheques column that corresponds to the account on which the cheques were drawn. 3. Click on List, which is located in the Cheques column. 4. Enter the search criteria. 5. Click on Calculate Total.

Obtain list of cheques

1. Select the Cash Management tab, then Transaction accounts. 2. Select the account in the Cheques column that corresponds to the account on which the cheques were drawn. 3. Click on List, located at the bottom of the Cheques column. 4. Enter the search criteria. 5. Click on List cheques. 6. The fist 100 cheques meeting the selection criteria will be displayed. If the listing is not complete, clicking on the See more cheques button that will display the next 100 cheques.

Select cheques to carry out a transaction

1. Obtain list of cheques (using the above procedure or in batches of 40 at a time). 2. Select the desired cheques by clicking in the corresponding box. The Select all button is useful if you want to select a significant number of cheques. 3. Click on the transaction button.



Apr

il 28

, 200

9

Cheque details u07

The following information is displayed for each cheque:

Field Description

Number Cheque number.

Amount Amount of cheque.

Payee Name of payee, as it appears on the cheque.

Reference number 1 Payee’s identification number for the company.

Issue date Date on which the cheque was or will be issued.

Type of issue Automatic: if the cheque was sent to the Caisse centrale Desjardins by file.Manual: if it was issued manually.

Date cashed Date cheque was cashed.

Cashing number Reference number automatically assigned to the cheque when cashed.

Cashing method Automatic: if the cheque cashing was transmitted to the Caisse centrale Desjardins by file.Manual: if it is manually transmitted data.

Stop payment status Indicates if a stop payment order was issued.

Stop payment date Date on which the stop payment order was made.

Cashing date of stopped cheque

Indicates date at which a stopped cheque was presented for cashing.

Replacement date Date on which the replacement cheque was issued.

Replaces cheque no Number of the replaced cheque.

Circulation date Date on which the cheque went into circulation.

Stale date Date on which the cheque becomes stale. Unless specified otherwise, the cheque be-comes stale six months after it is issued.

Repayment date Date on which the stale cheque is reimbursed to you.

Cancellation date Date on which the cheque was cancelled.

Obtain cheque details

1. Select the desired cheque. 2. Click on Details.

If you enter the cheque number as a search criteria, you will go directly to the details of that cheque and bypass the list of cheques.

Manually issued cheques u08

A manually issued cheque will not be transmitted to the Caisse centrale Desjardins by file.

• The cheques are put into circulation. • The amount of each cheque is transferred from the primary account on which it was issued (if you chose this option when you selected the account).



Apr

il 28

, 200

9

Issuing a cheque manually

1. Select the Cash Management tab, then Transaction accounts. 2. Select the account in the Cheques column that corresponds to the appropriate account. 3. Click on List, located at the bottom of the Cheques column. 4. Click on Manual issue. 5. Fill out the table, using one line per cheque to be issued. 6. Click on Issue cheques to go on to the confirmation stage. 7. Check the data on each transaction and click on Confirm to carry out the transaction.

Replacing a cheque or cancelling a replacement u09

Replacing a cheque

You can replace one cheque with another for the same amount, issued to the same payee, but bearing a different cheque number.

Important

• Only a cheque in circulation may be replaced. • The original cheque is given the status “Replaced” and a stop payment order is issued. The replacement cheque is placed into circulation. • The replacement does not entail any fund transfers.

Replacing one or more cheques

1. Select the cheque or cheques to replace. 2. Click on Replacement. 3. For each cheque to be replaced, fill in the new cheque number in the New Number column. 4. Click on Replace to go on to the confirmation stage. 5. Check the transaction data and then click on Confirm to carry out the transaction.

Cancelling a replacement

Replacement cancellation reverses the cheque replacement transaction.

• The cancellation of a replacement may only be made once a cheque has been replaced. • The original cheque is put back into circulation and the cheque issued as its replacement is destroyed. • The cancellation of a replacement does not entail any fund transfers.

Cancelling the replacement of one or several cheques

1. Select the cheque or cheques for which replacement is to be cancelled. 2. Click on Cancel replacement to go on to the confirmation stage. 3. Check the transaction data and click on Confirm to carry out the transaction.



Apr

il 28

, 200

9

Stop payment order u10

The stop payment order must meet the following requirements:

• A stop payment order may be issued only on a cheque in circulation. • The cheque remains in circulation and a stop payment order is issued. • The stop payment order does not entail any fund transfers.

Issuing a stop payment order on one or several cheques.

1. Select the cheque or cheques on which to issue a stop payment order. 2. Click on Stop payment to go on to the confirmation stage. 3. Check the transaction data and click on Confirm to carry out the transaction.

Cancelling a stop payment order

• The cancellation of a stop payment order may only be made if a cheque has a stop payment order issued on it. • The stop payment order is withdrawn and the status of the cheque is not changed. • The cancellation of a stop payment order does not entail any fund transfers.

Cheque cancellation u11

• Only a cheque in circulation may be cancelled. • The cheque is cancelled and a stop payment is issued. • The amount of the cheque is transferred from the issuing account to the primary account (if you chose this option when you opened the account). This transfer will not appear in the recap of your session.

Cancelling one or several cheques

1. Select the cheque or cheques to cancel. 2. Click on Cancel to go on to the confirmation stage. 3. Check the transaction data and click on Confirm to carry out the transaction.

Putting a cheque back into circulation u12

• Only a cancelled cheque may be put back into circulation. • The stop payment order is withdrawn, and the cheque is put back into circulation. • The amount of the cheque is paid from the main account to the account on which the cheque is drawn. That transfer is not shown on the session recap.

Putting one or more cheques back into circulation

1. Select the cheque or cheques to be put back into circulation. 2. Click on Put back in circulation to go on to the confirmation stage. 3. Check the transaction data and click on Confirm to carry out the transaction.

Requesting a photocopy u13

• A photocopy request may only be made if the cheque has been cashed. • The photocopy request does not entail any fund transfers.



Apr

il 28

, 200

9

Requesting a photocopy of one or more cheques

1. Select the cheque or cheques requiring a photocopy. 2. Click on Request photocopy to go on to the confirmation stage. 3. Check the transaction data and click on Confirm to carry out the transaction.

Requesting an original u14

• A request for an original may only be made if the cheque has been cashed. • A request for an original does not entail any fund transfers.

Requesting the original of one or several cheques

1. Select the cheque or cheques of which an original is requested. 2. Click on Request for original to go on to the confirmation stage. 3. Check the transaction data and click on Confirm to carry out the transaction.

Requesting a certified copy of an original u15

The request certified copy of original transaction must meet the following requirements:

• An original may only be requested for a cashed cheque. • The request copy transaction involves no transfer of funds.

Requesting a certified copy of an original of one or several cheques

1. Select the cheque or cheques of which a certified copy of original is requested. 2. Click on Request certified copy of original to go on to the confirmation stage. 3. Check the transaction data and click on Confirm to carry out the transaction.

AccèsD Affaires: Cheque Imaging Service

140Cheque Imaging Service

Apr

il 28

, 200

9

Cheque imaging

Who can use it?

The service is available to companies or self-employed workers with computers and Internet access who currently receive their cancelled cheques with their weekly or monthly statement.

If you currently use the AccèsD Affaires Cash Management feature and cheque return service, your AccèsD Affaires file will automatically be converted to online cheque imaging. You will then be able to receive, view and archive images of all your cheques online or on AccèsD Affaires.

If you do not use AccèsD Affaires, please contact your Desjardins Business Centre advisor or call 1 877 ACCÈSD A (1-877-222-3732) to sign up for the service so that you can get all the benefits of online cheque imaging. Two seperate charges apply: one for the AccèsD Affaires service and one for the online cheque imaging service.

What is cheque imaging? w01

The cheque imaging service is offered to users of the AccèsD Affaires Cash Management service. It allows you to get electronic copies of the front and back of cancelled cheques online. Cheque images can be viewed directly from your transaction statement, or downloaded to your computer hard drive from a PDF file delivered into your AccèsD Affaires message box. Each PDF may contain one or more copies of all cheques paid against your account for any month or given time period.

Legality of cheque images

Legally, electronic cheque images are just as valid as cancelled cheques. Desjardins conforms to Canadian Payments Association (CPA) standards on digital exchanges of information between financial institutions and is therefore able to offer its members the benefits of this new cheque scanning and imaging technology.

w00



Apr

il 28

, 200

9

Front and back image of cheque as obtained from transaction statement

Downloadable cheque image file in PDF format

Each page contains four cheques (front and back).



Apr

il 28

, 200

9

To view cheque images one at a time w02

From the 1. Statements tab, select Statements from the menu on the left.Select account or accounts, desired time period and the designation “On-screen”.2. Click on the 3. Validate button.

From the “Description” column in your statement of transactions, locate the cheque you 4. would like to view.



Apr

il 28

, 200

9

Click on the hyperlinked cheque number. An image of the front and back of the cancelled 5. cheque will appear. Use the buttons at the bottom of the page to print the cheque or close the window.

Note 1: To save the image, right click your mouse on the cheque image and select “Save Picture As…”

Note 2: Cheque images of the last 62 days may be viewed from your statement of transactions. You may request statements of transactions for a maximum period of 31 days at a time. The cheque history

begins on the date you sign up for the online cheque imaging service.



Apr

il 28

, 200

9

To receive cheque images in a PDF file w03

You must first request the cheque images, in the form of PDF file delivered to your secure AccèsD Affaires message box.

Once received, download and save the file to your computer hard drive to be able to search for and view cheque images.

How to request cheque images

From the 1. Cash management tab, select Cheque images from the menu on the left.From the 2. Cheques – Cheque images page, provide the information requested about the folio, time period and sort order. Click on the Validate button.

Note 1: You may obtain cheque images for an entire month or specific time period of 1 to 31 days. Note 2: Cheques are available for 124 days. The cheque history begins on the date you sign up for the service. Note 3: The sort order determines how cheques are displayed in the PDF file. The Bookmarks tab (left-hand panel) of the PDF file displays the sort order requested.



Apr

il 28

, 200

9

On the validation page that appears, check to make sure the information entered is 3. correct. Use the Correct button to make any required changes. Click on the Confirm button.

The confirmation page that follows displays the details of your cheque image request 4. (folio, period and sort order) and lets you know how many PDF files you can expect to receive in your AccèsD Affaires message box. Cheque image files will be delivered within 24 hours of your request.



Apr

il 28

, 200

9

Downloading files from your AccèsD Affaires message box

A PDF file containing your cheque images will be forwarded to your AccèsD Affaires message box.

An envelope icon in the upper right-hand part of the screen will flash to alert you that a new message has been received.

Note: If you do not have Adobe Reader installed on your computer, you can download it by clicking on “PDF document” on the AccèsD Affaires log on page and following instructions.

Click on the envelope icon located under 1. Messages in the upper right-hand part of the screen.

From the “Subject” column in the 2. Messages – Received page, click on the message from the cheque imaging service.

Note: File must be downloaded within five days of receipt. Otherwise, message will be deleted and you will need to make a new request.

Click on 3. Download the file. A window will open, automatically launching the file download process. Click on the Save (Enregistrer) button.



Apr

il 28

, 200

9

Note: This window is displayed in French or English, according to the language of your browser.

From the 4. Save As window that appears, select the folder in which you would like to save the cheque image file. At this stage, you can also rename the file. By default, the file name is made up of your caisse transit number, folio, and month or start date of period covered (e.g.: Cheques_999_99999_999999_DDMMYYYY_1of1.pdf). Click on the Save (Enregistrer) button.

When download is complete, another window will open displaying the download status. 5. You may then view the PDF file by clicking on the Open button. Note: We recommend you close your AccèsD Affaires session prior to opening the file, as you will be logged out automatically after eight minutes of inactivity.



Apr

il 28

, 200

9

Description of cheque image PDF files w04

PDF files contain a Bookmark tab (left-hand panel) that allows you to browse the file. Cheques appear in the sort order selected at the time of request.

PDF files may be displayed in two sort orders:

by cheque number in ascending order• by date paid (date appearing on your statement of transactions)•

Use the Bookmarks tab to locate specific cheques in the file.

Cheques displayed by date paid

This is an example of a cheque image file displaying cheques by date paid.

The Bookmarks tab (left-hand panel) contains a tree hierarchy showing the contents.

Cheques are displayed first by account type, Personal Chequing Account (PCA) and Line of Credit special chequing account (LC).

Cheques are further listed in order of date paid under each account type.

Cheques are further listed in groups of 20 cheques (maximum) in ascending cheque number order.

Use this sort order to search for cheques by date paid.

Note: Click the plus sign (+) to open each sub-menu in the hierarchy.



Apr

il 28

, 200

9

Cheques displayed by cheque number

This is an example of a PDF file displaying cheque images by cheque number.

The Bookmarks tab (left-hand panel) contains a tree hierarchy showing the contents.

Cheques are displayed first by account type, Personal Chequing Account (PCA) and Line of Credit special chequing account (LC).

Cheques are further listed in groups of 20 cheques (maximum) in ascending cheque number order under each account type.

Use this sort order to search for cheques by cheque number.

Note: Click the plus sign (+) to open each sub-menu in the hierarchy.



Apr

il 28

, 200

9

Replacement images

Occasionally, a cheque image may not be available. In this event, the reason will be indicated in the space in which the cheque should have appeared. This is what we call a replacement image. It replaces the cheque image either temporarily, until the cheque is processed by your caisse, or permanently if the cheque was either returned or cashed at the teller counter and retained by your caisse.

Returned or corrected cheque

The replacement image lets you know that the cheque requested and whose information appears below the image has been returned to the payee. This can occur for a number of reasons: a missing, illegible or irregular signature, a post-dated cheque cashed too early, etc. The cheque image is therefore no longer available.

Cheque cashed at the teller counter

The replacement image appears when a withdrawal to your account (transaction code ROP or CCQ) is made at the caisse. Cheques cashed at the teller counter do not go through the clearing process and are retained by the caisse. If you ever need a copy of the cheque, you may request it from your caisse. A fee is usually charged for this service.

Image temporarily unavailable

The replacement image appears when a cheque has been paid but not yet scanned for viewing.As a rule, cheques are scanned and images available on the same day. If a replacement image has not been replaced with a cheque image after four consecutive days, contact your caisse.

Technical problem

The replacement image appears when a scanning problem prevents the image from being displayed online. Cheque information is, however, displayed below the replacement image. Please contact your caisse if the transaction described is suspicious. If you ever need a copy of the cheque, you may request it from your caisse. A fee is usually charged for this service.



Apr

il 28

, 200

9

How to delegate the cheque image request task

Your primary administrator can view or request cheque images for all company chequing ac-counts (PCA) registered for the online cheque imaging service in your AccèsD Affaires file. He or she may also delegate this task to other file users.

Since cheque imaging is directly tied to viewing transaction statements, the tasks of viewing statements or cheque images may not be delegated separately.

To delegate access to cheque imaging to other file users, or to check to see if they already have access, check to see that “View statements and cheque images” is checked off in the user file (from the Business tab, click on Users in the menu on the left.)

Note that only the primary administrator and users who have access to cheque imaging may view, produce and download cheque image files. Users may not view cheque images for a folio to which they do not have access.

Note: When the company already has online cheque imaging in its AccèsD Affaires file, users (primary administrator or employee) who already have access to the “ View statements” operation will automatically have access to the “Statements and cheque images viewing” operation without any action required by the primary administrator.



Apr

il 28

, 200

9

Answers to frequently asked questions w05

Question Answer

How can I get all of a month’s cheques? Request your cheque image file the second working day of the following month..

Can I get cheque images if I receive weekly paper statements?

Cheque imaging is available to all AccèsD Affaires Cash Management users who have a chequing account registered for the online cheque imaging service. The “View statements and cheque images” transaction must also be displayed as a permitted transaction in the business file.

Must I be registered for online monthly statements of account to be able to view cheque images?

No. The online monthly statement of account and cheque imaging are two separate services.

Once I sign up for cheque imaging, will I automatically have access to cheque images of the last 124 days?

The cheque history begins on the date you sign up for cheque imaging. From that moment on, you have access to cheques drawn on your account since the beginning of the month.

Can I get cheque images for my US dollar chequing account?

Yes, cheque imaging is available for both Canadian and US dollar accounts.

What cheque imaging services are available? Two cheque services are available:

cheque imaging service • printed cheque images•

The online cheque imaging service offers more benefits than the paper service. It allows you to:

access information faster• manage cheques more easily• build a digital cheque image history instead of • keeping paper copies on filesearch for cheques in a PDF file (from a visual • table of contents, sorted by date or cheque number)save paper (no need to print cheque image files) • and do your part to protect the environment.

AccèsD Affaires users may only be registered for one cheque imaging service.

AccèsD Affaires: a virtual caisse unhindered by time or distance

153How to reach us

Jan

uary

29,

201

0

How to reach us

If you would like to contact AccèsD Affaires services:

• Call 1 877 AccèsD A (1 877 222-3732)

Business hours are as follows: Monday to Friday, 8:00 a.m. to 6:00 p.m.

If you would like to contact the Internet technical support:

• Call 1 877 AccèsD A (1 877 222-3732)

Business hours are as follows: Monday to Friday, 8:00 a.m. to 9:00 p.m. Saturday and Sunday, 8:00 a.m. to 8:00 p.m.

If you would like to write us:

• Click on “Your comments” at the top of an AccèsD Affaires page. • Click on “Write us” in the AccèsD Affaires help pages.

v00

Documents

User Guide 2010 - Desjardins.com · 2010. 11. 5. · User Guide 2010 November 5, 2010. AccèsD Affaires : a virtual caisse unhindered by time or distance ... • User category, which