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Proposal for the City of Santa Ana
<br />JTMorgan
<br />We can accept PPD payroll files for next day credits. However; for employees to receive funds as
<br />available balances for withdrawals at ATMs on payday, the City must deliver the file to J,P.
<br />Morgan no later than 7:00 p.m, PT two (2) business days prior to the settlement date.
<br />For example, for employees to receive funds as available balances on Friday, the City must
<br />deliver the file to J.P. Morgan no later than 7:00 p.m. PT on Wednesday. This allows the file to be
<br />processed in the earliest ACH processing cycle so that the receiving depository tinancial
<br />institutions can post the credits to the employees accounts by open of business on Friday,
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<br />Pre -notes are no longer required. It is the originator's choice as to whether pre - notifications are
<br />necessary. However, J.P. Morgan recommends use of pre - notifications if the City has time to
<br />respond to corrections or errors generated by a notification of change on the pre - notification and
<br />correct the Information prior to the first payment. J.P. Morgan recommends that pre -notes be.
<br />originated at least six banking days prior to live - dollar origination but can accommodate any
<br />timing scenario.
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<br />Notification of change and returned item advises can be, transmitted to the City via CPU to CPU,
<br />mainframe to fax and mainframe to PC. Advises can also be retrieved using the J.P. Morgan
<br />ACCESS Information Reporting module. The information will be available for the City's use on
<br />posting day.
<br />The City may also opt to use eServe for ACH. eServe provides a search feature for review of
<br />return items. Email notification of returns, notifications of change and redeposits will are also
<br />available.
<br />Return files will be available for the client shortly after the open of business, Monday through
<br />Friday. The information available includes the original date of settlement and the return date, as
<br />well as the return reason code and any information included with the original transactions, such
<br />as a client identifier.
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<br />Using any number of industry standard applications, the City will be able to create a transaction
<br />file in standard NACHA format. The City will simply transmit the file to J.P. Morgan through a
<br />common protocol such as FTP. Transmissions will be encrypted and sent to J.P. Morgan for final
<br />ACH processing.
<br />Once received, J.P. Morgan has automated file - scheduling packages to help ensure data is not
<br />lost, and file edit checks to identify potential duplicate files. J.P. Morgan will provide a transaction
<br />journal within two hours of receipt of the ACH file initiation transmission. Item count and dollar
<br />amount will be included in the acknowledgement.
<br />J.P. Morgan will maintain an Internet facing FTP server with a "drop box' directory on the server
<br />for the City. The server will be mirrored for disaster recovery. For data inbound to J.P. Morgan,
<br />the City will have the ability to push the data files to the directory. The City will maintain
<br />responsibility for initiating the FTP session to push and pull data files.
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<br />Yes.
<br />Chase at Work provides City of Santa Ana employees with a robust package of desirable benefits
<br />at no cost to the City. It is another way to help the City attract and retain high- quality, motivated
<br />employees.
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