Quick Start Guide

Funds Transfer Initiation (FTI)

FTI facilitates wire transfer initiation across the country and around the world. This convenient guide
highlights commonly used functions. Use it as a quick reference.
Please note: Your ability to perform certain actions, such as creating, approving and releasing transactions,
will depend on the entitlements you have been given by your Security Administrator.
Let’s get started!

1. Creating a Freeform Transaction

Once you’ve launched FTI from the JPMorgan ACCESSSM dashboard, you’re ready to get started. The main screen will
display a summary of recent FTI transactions. To see a different status transaction, you can change the filter using the
Filters button.

• To create a freeform transaction, select Transaction Note: Not all tabs are applicable for every transaction.
from the left drop-down box on the main screen.
• Click the Add button.
• From the Add drop-down list, select Transaction.

• The Add Transaction screen will display.

• Select an account from the Account drop-down list or
by clicking the Account link.
• Select a Pay Method.
— If the account is held in the U.S., the available
payment methods are: BKT, FED, CHP, CHK and
FXW.
— If the account is held outside of the U.S., the
available payment methods are: IAT and TLX.
Additional payment methods are available for
specific countries (e.g. CHP (CHAPS-UK), ATE, DFE,
DFT, GIR, SDR, SDN, LOC).
• Enter a Value Date.
• Enter a Payment Amount.
— If you have selected an account held outside of
the U.S., you may change the payment currency.
If payment is to be made in a currency other than
that of the debit account, an FX rate will be applied
to the transaction at the time it is processed.
• Enter the appropriate routing information using the
center tabs.
• Save your transaction.
— Save & Reuse: Saves the current transaction and
retains the transaction information to be re-used
for a new transaction.
— Save & Clear: Saves the entered transaction and
clears the transaction entry screen.
Note: You will be provided a Transaction ID after your
transaction has been successfully saved.
• Click Close to close the transaction entry window and
return to the main screen.
— Click Refresh to update the screen.
— Use the Filter options to change the types of
transactions displayed.
• See Sections 7 & 8 for information on approving and
releasing Transactions.
 2. Creating an Auto Foreign Exchange Transaction (FXW)
Auto Foreign Exchange transactions are used to send foreign currency payment instructions debiting a U.S. dollar
account held in the U.S. This payment method is only available for U.S. Dollar accounts held in the U.S.
• From the main screen, select Transactions in the left
drop-down box.
• Click the Add button on the main screen.
• From the Add drop-down list, select Transaction. The
Add Transaction screen will display.
• Select an account from the Account drop-down list or
by clicking the Account link.
• Select the FXW Pay Method.
• Enter a Value Date (which must be the current day,
unless it is after 3:30 PM ET when the value date must
be set to the next business day).
• Select a Payment Currency from the drop-down list.
• Enter a Payment Amount or Equivalent USD Amount.
— If the Daily FX Rate box is checked, the amount
of the transaction will be calculated based on
the Daily FX Rate. For example, if you enter an
amount in U.S. Dollars the system will calculate the
payment amount in your chosen currency.
3. Modifying a Transaction
• From the main screen, select Transactions.
• Select a filter from the drop-down list to narrow your
transaction search.
— The system will automatically apply the Daily FX
Rate to the FXW transaction. If you do not wish to
use the Daily FX Rate, uncheck the Apply Daily FX
Rate box.
Note: The Daily FX Rate is available until 3:30 PM ET.
If not using the daily rate, an FX rate will be applied to
the payment at the time of processing. The FX rate will
be available through eServeSM or detailed electronic
reporting, once the account has been debited. Daily
cutoff time for same-day processing is 3:30 PM ET.
• Enter the appropriate payment routing information
using the center tabs (e.g. Bene Bank, Payment
Details).
Note: Not all tabs are applicable for every transaction.
• Save your transaction.
— Save & Reuse: Saves the entered transaction and
retains the transaction information to be re-used
for a new transaction.
— Save & Clear: Saves the entered transaction and
clears the transaction entry screen.
Note: You will be provided a Transaction ID after your
transaction has been successfully saved.
• Click Close to close the transaction entry window and
return to the main screen.
• Click Refresh to update the screen. See Section 6 to
view transaction details.
• See Sections 7 & 8 for information on approving and
releasing transactions.
• Select the transaction you want to modify.
• Click the Modify button.
• Modify transaction details as desired.
• Click Save to save your transaction.
• Depending on your entitlements, your modification
may need to be approved by another user.
Note: Only transactions not yet released to the Bank
may be modified.
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 4. Creating Line Instructions

You can create lines to be used as templates for future transactions. Creating lines and using them as the basis for
transactions speeds the data-entry process and can help minimize errors.

There are two main types of lines you may choose: • Select an account.
Customer Verified Lines and Bank Verified Lines.
Customer Verified Lines (CVL)
• Do not require approval to activate the line and are
not reviewed by the Bank.
• Transactions created from CVLs are freeform
transactions and require the user to have the
entitlement to create freeform transactions.
• These lines are available for use immediately after • For Bank Verified Lines using a U.S. account, choose
being saved. All fields can be changed as necessary and enter a four-digit Bank Line number.
when using a CVL in a transaction.
Bank Verified Lines (BVL)
• After being approved by a second user, these lines
will be reviewed and approved by the Bank and
are then activated (available for use within five
Business Days).
• Only the Amount, Value Date, and Payment Detail text
can be entered when using a BVL in a transaction.
Note: If you create a Bank Verified line for an account
held in the U.S. and select the Allow Semi-Repetitive
checkbox, transactions based on that line will allow
Note: If creating a CVL or a BVL for an account held
one additional line of text of up to 35 characters to be
outside of the U.S., you will not need to enter a Bank
entered on the Payment Details tab. For transactions
Line number. It will be assigned by the bank.
from a Bank Verified Line with a debit account held
outside of the U.S., four lines of 35 characters will be • Choose a Pay Method.
available to be entered. Note: CVLs must be used to create a line for the Auto-
• To create and maintain Lines, select Lines from the FX (FXW) payment method. Lines are not available
drop-down list on the top left. for all payment methods. Refer to the Funds Transfer
Initiation user guide for more details.
• Enter the routing information on the appropriate tabs
as you would for a freeform transaction.
• Click Save to save the line.
• Click the Add button and select the type of line you • Line Activation
want to create:
— CVLs are activated and available for use
– Bank Verified Line or Customer Verified Line. immediately.
— BVLs will require a second user to approve the
line(s). Approved lines will then be reviewed by
the Bank. Once approved by the Bank
(in approximately five Business Days), the line
• On the Add Line screen, enter a line name will be activated for use.
(16 characters maximum). Line names must be
unique within the account.

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 5. Using a Line
Using a line accelerates the data entry process.

• From the main screen, click the Add button. Note: Transactions based on a Customer Verified Line
• From the Add drop-down list, select Transaction. are similar to freeform transactions in that you may
The Add Transaction screen will display. add, change or delete any values that were saved
with the line. For more details on entering payment
• Use a line by: information, consult the Funds Transfer Initiation and
— Selecting a line from the Line Name drop-down Reporting User Guide.
list.
• Save your transaction by clicking
— Save & Reuse
or
— Save & Clear
Note: You will be provided a Transaction ID after your
transaction has been successfully saved.
• Click Close to close the transaction entry window and
return to the main screen.
Note: Customer Verified Lines (CVLs) are indicated by
a red dot on the left side.
or
— Clicking the line name link for detailed
information on available lines. Select a line from
the list and click OK.
• Enter a Value Date. — Click Refresh to update the screen.
• Enter an Amount.
• If applicable, enter any additional payment
information.

6. View Details of a Transaction

• You may view details for an individual transaction or — Selecting the row and clicking the View Details
line from the FTI main screen by: button.
— Double clicking in the transaction or line row
or • Click the Close button to return to the main screen.

7. Approving Lines & Transactions

To see all transaction(s) that require approval, select Transactions Entered – Not Approved from the filter drop-down
list on the Funds Transfer Initiation main screen. Only transactions in an Entered status can be approved.

To approve transactions To approve Bank Verified Lines (BVLs)

• Highlight the transaction(s) you wish to approve.
— If you want to review a transaction’s detail, double
click on the transaction or highlight the transaction
and click the View Details button. The transaction
details will display in a new window.
• Click the Approve button.
• Select the Lines Requiring Approval filter.
• Select the line(s) you wish to approve.
• Click the Approve button.
• When prompted, enter your JPMorgan ACCESS
password and SecurID® token code and click Submit.
This will submit the line request to the Bank for
approval and activation.

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 8. Releasing Transactions
After approval, you may select the filter for Transactions Approved – Not Released from the Funds Transfer Initiation
main screen to see all transaction(s) that are ready to be released.
• Highlight the transaction(s) you wish to release.
— If you want to review a transaction’s detail,
double click on the transaction or highlight the
transaction and click the View Details button. The
transaction details will display in a new window.
• Click the Release button.
• When prompted, enter your JPMorgan ACCESS
password and SecurID token code and click Submit.
This will release the transaction to the Bank for
processing.
9. Quick Entry
Quick Entry is a time-saving option that allows you to enter and save multiple transactions based on existing lines
from a single screen.
• From the main screen, select Transactions in the left
drop-down box.
• Click the Add button.
• From the Add drop-down list, select Quick Entry.
• The Quick Entry screen will display with one row. All
fields will be initially blank.
• Click the arrow in the Line Name cell to display a
drop-down list of all active lines you are entitled
to use.
• Highlight and click a line to select it for use.
Transaction details based on line information will be
loaded into the Quick Entry row.
Note: Customer Verified Lines (CVL) are indicated by a
red dot on the left side.
• Enter an Amount.
• Enter a Value Date.
Note: The Value Date will default to the current day.
To change the date you may either type in a new date
or use the calendar icon to select a date.
• The status will change to Released once the
transaction has been accepted by the bank. If
the transaction is rejected for any reason, the
transaction will change to a Rejected status and can
be found under the Transactions Rejected – Today
filter.
Note: Users may release others’ transactions
and/or their own transactions. Release authority
is based on entitlements granted by your Security
Administrator.
• Payment Details: Press the Tab key (or click in the next
field) to advance to the Payment Details field. This
field is only available for some lines.
— When using CVLs, Payment Details is not
available.
— When using BVLs from a U.S. account, one line of
up to 35 characters will be available for entry if the
Allow Semi-Repetitive Text box was selected at the
time of line creation.
— When using BVLs from a non-U.S. account, up to
four lines of 35 characters will be available for
entry.
• To add a new row for additional Quick Entry
transactions, click in the Value Date or Payment
Details field of the row you have just completed and
press the Enter key on your keyboard.
Note: A new row may only be added if the previous
row contains completed data.
• When finished entering transactions, click Save.
• Approve and release as you would any other
transaction.
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 10. Running a Report

It’s easy to run a report. From the JPMorgan ACCESS dashboard, select Funds Transfer under Reporting. The main
reports screen will display. You can select and run reports you need by date range.

• Click the report you wish to see from the list of

available reports:
— Predefined Instruction Detail Report (Line Report)
— Status Report
— Pending Approval Report
— Pending Release Report
— Transaction Detail Report
— Daily Totals Report
• If applicable, enter a date range.
• Select the account(s) for which you want to see
reports.

• To search for specific transactions within the report or

• Click Run Report.
to create a customized report to view/export, select
• The following is a sample page from a Transaction the Search button on the toolbar.
Detail Report which shows detail level transaction
information for a specified date range.
• Select the field(s) you want to search and/or export.
• Enter any values you want to filter.
• Select Search Now.
• View, print or download your report.

11. User Guides

For more information, detailed user guides are available from the Product Guides link on the JPMorgan ACCESS
dashboard.
• Funds Transfer Initiation and Reporting
— How to create and maintain funds transfer
instructions.
— How to generate, print and download reports that
document your funds transfer initiation activity.
• Funds Transfer Initiation Foreign Exchange
— Explains the screens, functions and procedures for
making Foreign Exchange (FX) transactions, from
FX FTI.
• Payment Formatting Guides
— These guides provide country/region specific
information for formatting your funds transfer
transactions.
— Guides currently available for EMEA, Asia, Canada
and Mexico.
• Funds Transfer Initiation Import Reference Guide
— Describes the valid file layouts for importing Funds
Transfer transactions (repetitive and freeform) into
the JPMorgan ACCESS Funds Transfer Initiation
system.

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 12. Glossary of Terms
Keep this Glossary handy to quickly reference the most commonly used terms in this application.
Account: Typically the debit (settlement) account, although
credits post to an account for the receipt of funds from a
drawdown request.
Alert (status): The status of Alert indicates that the Bank
may not have processed a funds transfer transaction. If a
transaction is in Alert status, contact your regional Help
Desk for resolution. Transactions with an Alert status are
included in the Transactions Released – Not Confirmed
view and can be deleted.
Amount: The value of the funds transfer request. The
amount you enter in the Amount field, located in the
middle portion of the Add Transaction screen, cannot
exceed your transaction limits. If it does, the Bank will
reject the payment request.
Auto-approve: An entitlement that allows a user’s
transactions to be automatically approved when saved.
Bene Bank: The Bank where the end-target party (Ultimate
Beneficiary) has its account.
CCN: Control Number. A mainframe-generated number for a
stored, released, or warehoused transaction. The format
of the CCN includes the year, day, Back Office Code, and
Transaction Control Number. This confirms that the bank
has received the transaction.
CHIPS: The Clearing House Interbank Payment System is
an independent, large-dollar funds transfer network that
links U.S. and foreign banks . CHIPS handles the majority
of dollar payments related to international trade.
Clearing Ref: The Fed, Book, and CHIP reference numbers
from the wire clearing system. Reference numbers are
available after a transaction has been processed by the
Bank’s back office.
Entitlements: Applications may be accessed and data
retrieved based on the user’s permissions within the
client’s profile on the JPMorgan client database.
Freeform: Freeform, or “random” transactions are one-time
funds transfer requests that you create from scratch, on
an “as-needed” basis.
Funds Transfer: A payment or drawdown transaction,
created either from scratch (freeform) or based upon a
repetitive line. Also known as a “wire”.
FX Rate: The daily fixed FX rate; can be used as a reference.
The daily credit currency rate will be displayed when
initiating a transaction in a currency other than the
originating account currency (Auto FX wires/US only).
Only payments made with the “Apply Daily FX Rate” box
selected will actually be charged this rate.
This document contains information that is confidential and is the property of JPMorgan Chase & Co.
It may not be copied, published or used, in whole or in part, for any purpose other than as expressly authorized by JPMorgan Chase & Co.
All trademarks, trade names, and service marks appearing herein are the property of their respective owners. SecurID is a registered trademark or trademark of
RSA Security Inc. in the United States and/or other countries.
© JPMorgan Chase & Co., 2008. All Rights Reserved.
Hash Total: Represents the sum total of all the payments
selected, regardless of currency.
IBAN: International Bank Account Number. A series of
alphanumeric characters that uniquely identifies an
account held anywhere in the world. Facilitates the
automated processing of cross-border credit transfers.
Lines: Reusable instructions for frequently used
payments. These instructions are stored at the Bank
and specify the Debit Account, Ultimate Beneficiary,
and all Beneficiary data. Lines are used for funds
transfer transactions for U.S. domestic and global
payments, and for U.S. domestic drawdowns.
Quick Entry: A time-saving option for entering and saving
multiple transactions from lines on a single JPMorgan
ACCESS FTI screen.
Repetitives: Transactions based on approved, active
Bank Verified Lines stored at the Bank. Generally
processed without operator intervention, they are used
typically to ensure accuracy and reduce redundant
data entry, keying errors, and processing delays.
Security Administrators: Security Administrators
are individuals within your organization who are
authorized to set up and maintain user information
and entitlements.
SecurID: Enables the “signing” of encrypted data transfer
that allows proof of origin and proof of delivery; also
known as two factor authentication.
Straight-through Payments: Requests processed
in a fully automated fashion, needing no human
intervention, to proceed electronically through bank
systems.
SWIFT: Society for Worldwide Interbank Financial
Telecommunication. SWIFT is a non-profit, cooperative
organization that facilitates the exchange of payment
messages between financial organizations around the
world.
Tran ID: A unique, local, sequential number that is
generated when a Funds Transfer is saved. The Tran ID
appears on the Summary screen and also on the Audit
logs.
Ultimate Bene: The party that ultimately receives credit
for a funds transfer.
Value Date: The date on which a funds transfer
transaction is processed. The default value date is the
current date. Funds transfers cannot be back-dated,
but they can be forward value-dated depending on the
account location and payment method.
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