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ACH Monitor Direct Transmission
USER GUIDE
ACH Monitor Direct Transmission USER GUIDE
Equal Housing Lender. ©2020 M&T Bank. Member FDIC. 02/20 —1—
ACH MONITOR DIRECT TRANSMISSION
Welcome to M&T Bank’s enhanced treasury management service for customers who send or receive ACH
payments- ACH Monitor. You are enrolled in the Direct Transmission package of ACH Monitor. Using the
Direct Transmission package, you can perform a number of ACH payment related activities utilizing self-serve
set up, processing and research functions.
• Use the Payment and File History module to review originated and received ACH payments for self-
serve research
• Submit ACH file Control Totals electronically via the Control Total module. With File Monitoring, you
receive email notifications on the status of ACH files you submit to the bank for processing
• Set up and maintain Payment Schedules to receive email notification when a payment was not
submitted as scheduled
In addition to the Direct Transmission package, the overall ACH Monitor service offers another module
that provides ACH Fraud Review customers with value added services. If you are interested in the other
features available in ACH Monitor, please contact your dedicated Treasury Management Consultant or
M&T Bank’s Treasury Management Service at 1-800- 724-2240, Monday-Friday, 8am-6pm ET.
This comprehensive user guide provides screen shots and instructions on how to maximize the use of this
new service. A table of contents is provided on the next page to help you navigate the content included in
this manual.
ACH Monitor Direct Transmission USER GUIDE
Equal Housing Lender. ©2020 M&T Bank. Member FDIC. 02/20 —2—
TABLE OF CONTENTS
ACCESSING ACH MONITOR VIA M&T BANK TREASURY CENTER ................................................. 3
ACH MONITOR CUSTOMER HOME PAGE ..................................................................................... 5
CORPORATE ADMINISTRATION MODULE ..............................Error! Bookmark not defined.
ACH MONITOR HOME PAGE ....................................................................................................... 145
CONTROL TOTAL MODULE ......................................................................................................... 16
PAYMENT AND FILE HISTORY MODULE .................................................................................... 20
PAYMENT SCHEDULE MODULE .................................................................................................. 29
APPENDIX:EMAIL NOTIFICATIONS ............................................................................................... 31
CONTACT US .................................................................................................................................... 38
ACH Monitor Direct Transmission USER GUIDE
Equal Housing Lender. ©2020 M&T Bank. Member FDIC. 02/20 —3—
ACCESSING ACH MONITOR VIA M&T BANK TREASURY
CENTER
From the M&T Bank Home Page https://www.mtb.com/home-page select the Commercial tab at the top
right of the page. Under Log In To M&T Treasury Center, enter your User ID and click the Log In box
You will be required to enter your password at the next screen
Note: ACH Monitor is currently supported on Internet Explorer 10 and 11, Chrome version 69, and Firefox
version 62.
ACH Monitor Direct Transmission USER GUIDE
Equal Housing Lender. ©2020 M&T Bank. Member FDIC. 02/20 —4—
ACCESS TO M&T ACH MONITOR
Click on the link for ACH Monitor under Fraud/Risk on the M&T Bank Treasury Center screen. When you log
out of ACH Monitor, you will return to the Treasury Center Landing Page.
OTHER FEATURES
• You can access other M&T Treasury Management services from the webpage
• Announcements and important notices regarding your M&T Bank accounts will appear on the M&T
Bank Treasury Center landing page
LOGGING OUT
Click Log Out to properly log off M&T Bank Treasury Center.
Note: As a safety measure, Treasury Center will automatically log a user off after 15 minutes of inactivity.
ACH Monitor Direct Transmission USER GUIDE
Equal Housing Lender. ©2020 M&T Bank. Member FDIC. 02/20 —5—
ACH MONITOR CUSTOMER HOME PAGE
This is the home page for a corporate user. Depending on the access you are granted, you may click
the Corporate User button to set up, view and modify user access. If you need to change your
password, contact Treasury Management Service at 1-800-724-2240.
Your name and organization
appear within the top banner,
along with a Home page and Log
Out button
This navigation bar
remains to the left of all
screens. It can be used to
move between the various
services in which your
organization is enrolled.
ACH Monitor Direct Transmission USER GUIDE
Equal Housing Lender. ©2020 M&T Bank. Member FDIC. 02/20 —6—
CORPORATE ADMINISTRATION MODULE
This is the Corporate Administration page that appears for the ACH Monitor System Administrator. The
System Administrator can grant, modify or delete access to individual users, or to groups of users. At least
one group must be set up in order to create users and assign them access to services. Multiple groups can
be created depending on your organization’s needs.
ACH Monitor Direct Transmission USER GUIDE
Equal Housing Lender. ©2020 M&T Bank. Member FDIC. 02/20 —7—
ADD CORPORATE GROUP
Below is the screen that allows you to set up a new company group. If you do not want all users setup in the
default group, you must set up a group before users can be added and given access to services. Multiple
groups can be added depending on the needs of your organization. First, under Corporate Group, click
Add. Next, enter information into the blank fields on the Group Information screen to set up a group.
ACH Monitor Direct Transmission USER GUIDE
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Next, go to the Permissions tab and select the module(s) to which you would like to grant this group
access and proceed accordingly. Press Save to confirm changes.
ACH Monitor Direct Transmission USER GUIDE
Equal Housing Lender. ©2020 M&T Bank. Member FDIC. 02/20 —9—
MODIFY CORPORATE GROUP
At this screen, you can enter or review information for a group and make any desired changes, including
assigning a User. After selecting the appropriate group from Group Administration, click Modify to update
this group’s access to specific modules within ACH Monitor. Once finished, click Save to confirm your
changes.
ACH Monitor Direct Transmission USER GUIDE
Equal Housing Lender. ©2020 M&T Bank. Member FDIC. 02/20 —10—
ADD CORPORATE USER
In order to add a new user to ACH Monitor, you must first add the user to the M&T Bank Treasury Center
service.
Once you have added the new user to Treasury Center, proceed to the Corporate Administration module
of ACH Monitor and select Add within Corporate User. Complete all fields in the three sections on the
screen shown below in order to establish the new user on ACH Monitor:
NOTE for User ID: You must enter the UUID provided to you upon establishing this new user in M&T Bank
Treasury Center.
ACH Monitor Direct Transmission USER GUIDE
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If the new user has not been assigned to a group, do so now by clicking on Assign Groups.
In addition, each user is able to receive email notifications that alert them to specific events in ACH Monitor.
Click Notifications to view all available email notifications for the module(s) to which this user has access.
You will be able to choose the email notifications you would like this user to receive.
ACH Monitor Direct Transmission USER GUIDE
Equal Housing Lender. ©2020 M&T Bank. Member FDIC. 02/20 —12—
In order to assign email notifications to the user selected, review the list and select the notifications you
would like him or her to receive. For reference, a list of available email notifications and a brief description is
included in the appendix of this user manual. Once you have made your selection, click Save to return to
the previous screen.
ACH Monitor Direct Transmission USER GUIDE
Equal Housing Lender. ©2020 M&T Bank. Member FDIC. 02/20 —13—
MODIFY CORPORATE USER
At this screen, you may review, add, change or delete any of the user information in the fields shown. You
may also assign or remove the user from the groups you have set up. To begin, select the appropriate user
and press Modify.
Once finished, click Save to confirm your changes.
ACH Monitor Direct Transmission USER GUIDE
Equal Housing Lender. ©2020 M&T Bank. Member FDIC. 02/20 —14—
COLUMN CONFIGURATION
At this screen, you may configure which columns you would like to display within the Control Totals,
Authorizations, and Pay and Return Decisions grids (where applicable). To begin, select the grid you would
like to modify using the Select Grid dropdown. Next Add or Remove the Columns you would like displayed.
Once finished, click Save to confirm your changes.
ACH Monitor Direct Transmission USER GUIDE
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ACH MONITOR HOME PAGE
The screen below that appears after you log into ACH Monitor is the Home screen, which lists the modules
that you subscribe to.
• Within the Control Totals module you can enter Control Totals that correspond to ACH files that you
submit. You can also search and modify Control Totals that were not matched to ACH files submitted
for up to five calendar days
• Fraud Review and Approval allows you to review and make pay or return decisions on debits and/or
credits presented for payment against your account(s). You may also set up and maintain company
authorization records that automatically pay transactions presented from companies that you have
pre-authorized
• Payment and File History provides real-time information on ACH payments that you have originated
or received. Information is available at the file level, batch level and individual payment level.
Information at the file level is available for 15 calendar days. Information at the payment level is
available for 60 calendar days
• The Payment Schedule allows you to set up a schedule of expected ACH payment activity. If an ACH
payment is not submitted as scheduled, you will receive an email notification
If you are interested in any of the other modules available in ACH Monitor, please contact your dedicated
Treasury Management Consultant or M&T Bank’s Treasury Management Service at 1-800-724-2240.
Select which module you would like to enter by clicking on the appropriate button in the navigation menu.
ACH Monitor Direct Transmission USER GUIDE
Equal Housing Lender. ©2020 M&T Bank. Member FDIC. 02/20 —16—
CONTROL TOTAL MODULE
MAIN MENU
Within the Control Total Reporting module you can choose to enter your ACH file Control Totals, or to
view Control Totals you previously entered. You can click Home from any screen in this module to return to
the main menu of modules available in ACH Monitor.
• Select Add to enter new control totals for your ACH file
• Select Modify on previously submitted Control Totals to edit the related dollar amounts or
account number. Unmatched Control Totals can be viewed and modified for up to five calendar
days
ACH Monitor Direct Transmission USER GUIDE
Equal Housing Lender. ©2020 M&T Bank. Member FDIC. 02/20 —17—
CONTROL TOTAL ADD
• To enter Control Totals, click Add and select the name of the ACH file you submitted.
• If the file contains credit payments, enter the total credit amount. If the file contains debit payments, enter
the total debit amount.
• Click Reset to clear the selection you made, and any dollar amounts entered. Click Save once you have
entered the proper information. To return to the previous screen, press Cancel.
ACH Monitor Direct Transmission USER GUIDE
Equal Housing Lender. ©2020 M&T Bank. Member FDIC. 02/20 —18—
CONTROL TOTAL REVIEW
At this screen, you can view previously submitted Control Totals within the grid as shown below. Unmatched
Control Totals are available for five calendar days.
Control Totals each list a status. They are as follows:
• Matched - This means the file has been collected into the M&T Bank ACH system for processing
• Unmatched - This means the file has not yet been collected into the M&T Bank ACH System
• Exception - This status has two meanings:
o The file was collected into the M&T Bank ACH System before the control totals were
received and an ACH Operator matched the totals to the file manually
o The file has been collected into the M&T Bank ACH System but the control totals do
not match. In this case, an ACH Operator will contact you by phone for resolution
ACH Monitor Direct Transmission USER GUIDE
Equal Housing Lender. ©2020 M&T Bank. Member FDIC. 02/20 —19—
This screen shows your submitted Control Totals. You can review the list and choose to modify or delete any
of the records. Select a record and click the Modify or Delete button as appropriate.
Delete confirmation message:
ACH Monitor Direct Transmission USER GUIDE
Equal Housing Lender. ©2020 M&T Bank. Member FDIC. 02/20 —20—
PAYMENT AND FILE HISTORY MODULE
SEARCH ORIGINATED FILES AND PAYMENTS
At this screen, select the appropriate file under File Name and All under File Status for a general search
for all originated ACH files. Press Search to begin the search. ACH file level data is available for 15 calendar
days.
This screen provides a list of originated ACH files for you to view based on your search criteria. Information
at the ACH file level corresponds to the “1” record in a NACHA formatted file. Choose the correct file and
press Select File to view ACH batch details on the selected file. You may also select Export if you would
like to export the file level information located in the table.
ACH Monitor Direct Transmission USER GUIDE
Equal Housing Lender. ©2020 M&T Bank. Member FDIC. 02/20 —21—
This screen below provides the selected ACH batch information below the file information and allows you
to view information at the batch level. You may also filter the results of the batch by choosing a
Transaction Type from the drop-down menu below.
Batch details correspond to the information contained in the “5” record in a NACHA formatted file.
Select Batch to proceed to Item Details, or you may also select Export if you would like to export the
batch level information located in the table.
ACH Monitor Direct Transmission USER GUIDE
Equal Housing Lender. ©2020 M&T Bank. Member FDIC. 02/20 —22—
Here you can view the batches available within the selected ACH file. Select a batch and click Select Batch
to retrieve batch item details.
This screen lists the individual payments contained within the batch shown, based on your search criteria.
For information on the individual payments within the batch, you can choose the item and press Select
Item. Information on individual payments within a batch corresponds to the data contained in the “6”
record in a NACHA formatted file.
ACH Monitor Direct Transmission USER GUIDE
Equal Housing Lender. ©2020 M&T Bank. Member FDIC. 02/20 —23—
To view the detail of an individual payment, select a payment and click Select Item. You may also select Export if you would like to export the item information including addenda if available.
ACH Monitor Direct Transmission USER GUIDE
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SEARCH ORIGINATED AND RECEIVED PAYMENTS
In order to begin reviewing the originated payments, you must first select Originator from the Account
Search dropdown and then select the desired file name from the screen below, and enter the account
number and date range in the blank fields. You may further refine your search for payments by completing
one or more of the additional blank fields on the screen.
Note: Originated ACH payment level information is available for 60 calendar days.
Press Search after all search criteria has been entered in the above screen.
ACH Monitor Direct Transmission USER GUIDE
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Once the originated payment has been located, you can view the payment by selecting it and clicking Select Item. You may also choose to export the payment by selecting the Export button.
ACH Monitor Direct Transmission USER GUIDE
Equal Housing Lender. ©2020 M&T Bank. Member FDIC. 02/20 —26—
SEARCH RECEIVED PAYMENTS
In order to begin reviewing the received payments, you must first select Receiver from the Account
Search dropdown and then select the desired file name from the screen below and select the account
number and date range in the blank fields. You may further refine your search for payments by completing
one or more of the additional blank fields on the screen
Note: Received ACH payment information is available for 60 calendar days.
Press Search after all search criteria has been entered in the above screen.
ACH Monitor Direct Transmission USER GUIDE
Equal Housing Lender. ©2020 M&T Bank. Member FDIC. 02/20 —27—
This screen provides you with the applicable items originated based on your search criteria. The
information provided on each item corresponds to the information found in the “6” record of a NACHA
formatted file. Select an item to view the payment details and then click Select Item.
ACH Monitor Direct Transmission USER GUIDE
Equal Housing Lender. ©2020 M&T Bank. Member FDIC. 02/20 —28—
The following Detail Inquiry screen provides you with the file, batch and item detail on the payment that
you selected.
Note: If a transaction came with additional Addenda information, click Show Addenda to view it.
ACH Monitor Direct Transmission USER GUIDE
Equal Housing Lender. ©2020 M&T Bank. Member FDIC. 02/20 —29—
PAYMENT SCHEDULE MODULE
MAIN MENU
This is the main page for the Payment Schedule module in ACH Monitor. At this screen below, you will
select the desired ACH file name and year that you wish to add, view or modify. Once you have made
your selections, click Add to advance to the next screen.
Note: To modify an existing Payment Schedule in the system, select the ACH file name and year that
you wish to change and click Modify to advance to the next screen.
ACH Monitor Direct Transmission USER GUIDE
Equal Housing Lender. ©2020 M&T Bank. Member FDIC. 02/20 —30—
To modify the existing Payment Schedule shown below, simply select the days of expected ACH origination
activity or the days that the Bank should expect to receive ACH files. To proceed, press Save to confirm
changes to the payment schedule.
ACH Monitor Direct Transmission USER GUIDE
Equal Housing Lender. ©2020 M&T Bank. Member FDIC. 02/20 —31—
APPENDIX: EMAIL NOTIFICATIONS
A major feature of the ACH Monitor service is the wide array of email notifications that are sent to users
enrolled for various services. Emails are triggered by different events and are sent automatically from the
service. The Direct Transmission package comes standard with the applicable email notifications included.
This allows you to stay informed of relevant payment activities without having to be actively logged in to
ACH Monitor.
All emails are sent to the user(s) assigned to receive them. The user who initiated the action receives an
email notification, as well as the ACH Monitor System Administrator and any other user programmed to
receive the same notification.
Email notifications are encrypted using secure email encryption software. The first time that you receive a
secure email from M&T, you will need to register as a new recipient. You only need to register once to
continuously view secure email messages from M&T.
Listed on the following pages are the emails applicable to the File Monitoring and Payment Schedule
modules of ACH Monitor services. You may choose to receive all emails for both services, or select emails
based on your preferences.
If you wish to make any changes to your ACH Monitor service, including electing to receive or suppress
email notifications, please contact your dedicated Treasury Management Consultant.
ACH Monitor Direct Transmission USER GUIDE
Equal Housing Lender. ©2020 M&T Bank. Member FDIC. 02/20 —32—
DIRECT TRANSMISSION PACKAGE EMAIL
NOTIFICATIONS: EMAIL NOTIFICATIONS FOR FILE
MONITORING
ACH MONITOR - ACH FILE RECEIVED FOR PROCESSING (F800)
This email provides notification that the ACH file submitted was received by M&T Bank. See below sample:
ACH Monitor Direct Transmission USER GUIDE
Equal Housing Lender. ©2020 M&T Bank. Member FDIC. 02/20 —33—
ACH MONITOR - ACH FILE SUCCESSFULLY PROCESSED (F815)
This notification confirms that the ACH file you submitted was successfully processed by M&T Bank. See
below sample:
ACH Monitor Direct Transmission USER GUIDE
Equal Housing Lender. ©2020 M&T Bank. Member FDIC. 02/20 —34—
ACH MONITOR - PREVIOUSLY SUSPENDED ACH FILE SUCCESSFULLY PROCESSED (F818)
This notification confirms that the ACH file you submitted that was previously suspended has now been
successfully processed by M&T Bank. See below sample:
ACH Monitor Direct Transmission USER GUIDE
Equal Housing Lender. ©2020 M&T Bank. Member FDIC. 02/20 —35—
EMAIL NOTIFICATIONS FOR THE PAYMENT SCHEDULE
ACH MONITOR - SCHEDULED ACH FILE NOT RECEIVED (S701)
This email provides notification that M&T Bank did not receive an ACH file as you have scheduled. See
below sample:
ACH Monitor Direct Transmission USER GUIDE
Equal Housing Lender. ©2020 M&T Bank. Member FDIC. 02/20 —36—
ACH MONITOR - UNSCHEDULED ACH FILE RECEIVED FOR PROCESSING (S702)
This email provides notification that M&T Bank received an ACH file, but that it was not scheduled.
ACH Monitor Direct Transmission USER GUIDE
Equal Housing Lender. ©2020 M&T Bank. Member FDIC. 02/20 —37—
ACH MONITOR - ANNUAL SCHEDULE UPDATE REMINDER (S002)
This email is a reminder to set up your payment schedule for the next calendar year. See below sample:
ACH Monitor Direct Transmission USER GUIDE
Equal Housing Lender. ©2020 M&T Bank. Member FDIC. 02/20 —38—
CONTACT US
WE ARE HERE TO ASSIST YOU.
For ACH Monitor and other Treasury Management services, please contact your Treasury Management
Consultant or call M&T’s Treasury Management Service at:
1 (800) 724-2240 MONDAY – FRIDAY 8AM TO 6PM ET