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Describe how returned direct deposits are handled. <br />J.P. Morgan provides the City a detailed view of return items, <br />including check returns, Automated Clearing House (ACH) <br />returns and ACH notification of changes (NOC) via <br />ACCESS Online. Run the report using the default date, account <br />and transaction settings — or customize it by choosing desired <br />criteria and settings. <br />ii. Describe the acknowledgements you provide when you receive <br />a file transmission, including the level of detail, the information <br />required and the reconciliation procedures involved. <br />File transmission acknowledgement options are described in detail <br />in section K, question c. <br />iii. Would you provide personal banking incentives for City of <br />Santa Ana employees? <br />The City's employees may be eligible to open a variety of Chase <br />checking and savings accounts. Information regarding our <br />consumer banking products and retail branch locations can be <br />found at www.chase.com or by visiting any Chase retail branch. <br />3. Electronic Payroll Tax Payments - Currently, the City pays its payroll <br />withholding taxes with an Electronic Funds Transfer and desires to be able to <br />deposit various employee Federal and State payroll tax payments via secure <br />internet access within the Bank. Please describe the Bank's payroll tax <br />withholding service. <br />a. Do you offer a special service for making State and Federal tax <br />payments? Describe the process including any limitations and <br />timelines. <br />J.P. Morgan supports the ability to originate a full range of U.S. ACH <br />transactions and related remittance data including the TXP- formatted <br />CCD+ transaction for tax payments. <br />J.P. Morgan also offers repetitive and free -form funds transfer (wire) <br />payments that may be used to create federal and state tax payment <br />transactions. In addition, J.P. Morgan provides payment initiation <br />services through ACCESS Online, our browser -based application. <br />ACCESS Online contains ACH templates for all 50 states and federal <br />taxes, which are periodically updated, as banking instructions and /or <br />formatting changes are made by the taxing authority. <br />b. Can payments be made via the internet? Phone? Other? <br />Yes, the City can pay federal, state and municipal business taxes <br />electronically via the Internet or phone. The City can streamline tax <br />payment initiation activities and remain fully compliant with mandates <br />for electronic filing. <br />Page 72 J P. Morgan <br />