Online Banking ACH Guide

Welcome to Technology
Information ACH Solutions

…with Business Online Banking
Pay your employees, vendors, bills,

even your taxes
D AIL Y PRO C ESSI N G
12 p.m. ET Collect payments from your customers
4 p.m. ET
Enjoy the efficiency and security of
On days the bank and
electronic batch payments
Federal Reserve are both
open; does not include
weekends or holidays.
Same-day ACH can be sent Contents of this Guide
as late as 4 p.m. ET. All options may not be available for all users
HO LID A Y S
No ACH processing on: Send ACH Manage ACH
 New Year’s Day
Create new Create a template (non-imports only)
 Martin Luther King Jr.
Day Copy Create an import template
 Presidents’ Day Use template Update template users
 Memorial Day
Import Nacha Edit
 Juneteenth
 Independence Day Import Non-Nacha Delete
 Labor Day
Dual Control: Approve Resubmit return
 Columbus Day
 Veterans Day Reverse Create report
 Thanksgiving Day
 Christmas Day
KE Y T ER MS Additional Resources
Payment
When you send money to Screens by SEC code (PPD, CCD, CCD-TXP, CTX)
someone else via ACH; Warning messages and statuses
also known as an ACH
Returns, notifications of change (NOCs)
credit
Email notifications
Collection
Origination File Requirements
When you pull money Call ACH Support
from someone else via Tax codes 888-289-0005
ACH; also known as an Mon.-Fri.
Glossary
ACH debit 8 a.m. – 5 p.m. ET
5/2022
ACH user guide back to page 1
Send ACH: Create new

First, log on to Business Online Banking if you STEP 3 Enter recipient details
haven’t already done so.
Add recipients to the ACH.
STEP 1 Create a new ACH
Click Payments & Transfers, then ACH.
Select Show Details at the top to add payment-

related addendas.
Click +New Payment (to pay someone else) or Select Hold beside a recipient to exclude that
+New Collection (to pull payment from someone payment from the current ACH (amount/0.00 required).
else).
Select Prenote beside a recipient to validate the
account information prior to transferring funds.
Select a Type from the list then click Continue. For Click X beside a recipient to delete from file; click
help choosing a type, refer to screens by SEC code. + below the last recipient to add a new recipient.
STEP 4 Send the ACH

Click Complete ACH to submit for processing.
Use your token to complete the Security

Challenge (instructions on screen).
A summary displays. Save as template if you

intend to send the ACH again, or Return to ACH
activity to make a copy of the ACH in the future.
Refer to warning messages if needed.
STEP 2 Enter your details

Enter the Description, Effective Date, and your
account information. For help, refer to screens by
SEC code.
Exceed your limit?
Call 888-289-
0005 Mon.-Fri.
8 a.m. – 5 p.m. ET
Park National Bank | 5/2022 Page 2 of 28

Send ACH: Copy

First, log on to Business Online Banking if you Select Prenote beside a recipient to validate the
haven’t already done so. account information prior to transferring funds.
STEP 1 Copy an ACH Click X beside a recipient to delete from file; click
+ below the last recipient to add a new recipient.
STEP 4 Send the ACH

On the Activity tab, locate the ACH by scrolling or Use your token to complete the Security
using Search Activity on the right to filter the list, Challenge (instructions on screen).
and click Copy.
STEP 2 Update your details

Update the Description, Effective Date, and your
SEC code.
STEP 3 Update recipient details

Update recipients in the ACH.

related addendas. Exceed your limit?
Call 888-289-
Select Hold beside a recipient to exclude that 0005 Mon.-Fri.
8 a.m. – 5 p.m. ET
payment from the current ACH (amount/0.00 required).

Send ACH: Use template

First, log on to Business Online Banking if you Select Prenote beside a recipient to validate the
haven’t already done so. account information prior to transferring funds.
STEP 1 Select a template Click X beside a recipient to delete from file; click
STEP 4 Send the ACH

On the Templates tab, locate the template by Use your token to complete the Security
scrolling or using Search Activity on the right to Challenge (instructions on screen).
filter the list, and click Send.
STEP 2 Update your details

Update the Description, Effective Date, and your
SEC code.

Update recipients in the ACH.
Related
Create a template
Update template users
related addendas. Exceed your limit?
Call 888-289-
Select Hold beside a recipient to exclude that 0005 Mon.-Fri.
payment from the current ACH (amount/0.00 required). 8 a.m. – 5 p.m. ET

Send ACH: Import Nacha

First, log on to Business Online Banking if you STEP 3 Review recipient details
Review recipients in the ACH.
STEP 1 Import a file

related addendas.
On the Activity tab, click +Import File (at top- Select Hold beside a recipient to exclude that
right). payment from the current ACH (amount/0.00 required).

Select Import Type (Nacha), choose your file, Click X beside a recipient to delete from file; click
select a Tax ID, and Type then click Continue. For + below the last recipient to add a new recipient.
help choosing a type, refer to screens by SEC code.
STEP 2 Verify your details STEP 4 Send the ACH

Verify the Description, Effective Date, and your Click Complete ACH to submit for processing.
SEC code.
Select Validate to confirm the files are in NACHA Use your token to complete the Security
format. This does not validate the entry detail Challenge (instructions on screen).
account numbers.
Click on the file in the lower left hand corner to

open.
Exceed your limit?

Call 888-289-
0005 Mon.-Fri.
8 a.m. – 5 p.m. ET

Send ACH: Import Non-Nacha

STEP 1 Select an import template

related addendas.
Select Hold beside a recipient to exclude that

On the File Import Templates tab, locate the import payment from the current ACH (amount/0.00 required).
template by scrolling or using Search Activity on
the right to filter list, and click Send. Select Prenote beside a recipient to validate the
Click X beside a recipient to delete from file; click

STEP 4 Send the ACH

Select Import Type (Non-Nacha), choose your file, Click Complete ACH to submit for processing.
select a Tax ID, and Type then click Continue. For


STEP 2 Verify your details

Verify the Description, Effective Date, and your
SEC code.
Exceed your limit?

Call 888-289-
0005 Mon.-Fri.
8 a.m. – 5 p.m. ET
Related
Park National Bank | 5/2022 Create an import template Page 6 of 28
Send ACH: Dual Control - approve

First, log on to Business Online Banking if you A summary displays. Save as template if you
haven’t already done so. intend to send the ACH again, or Return to ACH
STEP 1 Locate the ACH for review Refer to warning messages if needed.
On BOB Home, scroll down to Payments &

Transfers (below Accounts) and locate the ACH for
review.
STEP 2 Review ACH details

Click the Description to view details of the ACH.
STEP 3 Approve or disapprove

Select Approve or Disapprove.

Call ACH Support

888-289-0005
Mon.-Fri.
8 a.m. – 5 p.m. ET

Send ACH: Reverse

First, log on to Business Online Banking if you STEP 3 Send the ACH
Click Reverse ACH then verify your offset account.
STEP 1 Locate the ACH When ready, click Complete ACH reversal to
submit for processing.
A summary displays. Return to ACH activity takes

you back to the main ACH page.
On the Activity tab, locate the ACH by scrolling or

using Search Activity on the right to filter the list,
and click Reverse. (if the option doesn’t appear, the
reversal window of time has elapsed and you must
work directly with the recipient(s) to reverse)

Related
Indicate which recipient transactions to reverse ACH may only be reversed within five banking days of
using the Yes/No toggle to the right of each the effective date of the original ACH. You can reverse
recipient. To reverse all, use the Reverse all/none
individual ACH transactions or an entire ACH file. Only
toggle at the top.
the user who submitted the original ACH may submit
a Reversal of that ACH. A Reversal does not require
approval, even if dual controls are in place.
Call ACH Support

888-289-0005
Mon.-Fri.
8 a.m. – 5 p.m. ET

Manage ACH: Create a template (non-imports only)

First, log on to Business Online Banking if you STEP 4 Enter recipient details
Add recipients to the template.
STEP 1 Create a template
STEP 5 Save the template

On the Templates tab, click +New payment
template (to pay someone else) or +New Click Save to save the template.
collection template (to pull payment from
someone else).
Select a Type from the list then click Continue. For

STEP 2 Enter your details

Enter the Description, Effective Date, and your
SEC code.
STEP 3 Update User Access

Call ACH Support
Select the appropriate User Access for the Related 888-289-0005
template. Use template Mon.-Fri.
Update template users 8 a.m. – 5 p.m. ET

Manage ACH: Create an import template

Follow these steps for Nacha import templates only; for non -Nacha contact the bank
STEP 1 Create an import template

related addendas.
Select Hold beside a recipient to exclude that

On the File Import Templates tab, click +New file payment from the current ACH (amount/0.00 required).
import template.
Click X beside a recipient to delete from file; click

Select Import Type (Nacha or Non-Nacha), choose + below the last recipient to add a new recipient.
your file, select a Tax ID, and Type then click
Continue. For help choosing a type, refer to
screens by SEC code.
STEP 4 Send the ACH


STEP 2 Verify your details activity to make a copy of the ACH in the future.
Verify the Description, Effective Date, and your
SEC code.
Call ACH Support

Related 888-289-0005
Import Nacha Mon.-Fri.
Import Non-Nacha 8 a.m. – 5 p.m. ET

Manage ACH: Update template users

First, log on to Business Online Banking if you STEP 3 Save the template
Click Save to save your changes.
STEP 1 Locate the template
On the Templates tab, locate the template by

scrolling or using Search Activity on the right to
filter the list, and click Edit.
STEP 2 Update User Access

Scroll to the User Access section of the template
and add or remove access as appropriate.
Call ACH Support

888-289-0005
Related Mon.-Fri.
Use template
8 a.m. – 5 p.m. ET
Create a template

Manage ACH: Edit

First, log on to Business Online Banking if you STEP 3 Send the ACH
When changes are complete, click Complete ACH
STEP 1 Locate the ACH to submit for processing.


On the Activity tab, locate the ACH by scrolling or Refer to warning messages if needed.
and click Edit. (if the option doesn’t appear, the
ACH cannot be changed; only ACH with a status of
Saved, Pending Origination, or Recurring Entry can
be edited.)
ACH with status of Pending Origination or

Recurring Entry will display a warning that the
original ACH will be deleted and will not process if
the user continues on with the change. The ACH
must be completed again for it to process.
STEP 2 Edit the ACH

The pending transfer will open in an editing screen.
You can change the Description, Repeat Frequency,
Dates, Accounts, and Transfer To details.
Depending on the transfer status, some fields may
not be available to edit.
To edit multiple batches, select each batch in the

drop-down and make your edits. When finished
with all batches, verify the file is balanced by
checking the file totals at the top.
Call ACH Support

888-289-0005
Mon.-Fri.
8 a.m. – 5 p.m. ET

Manage ACH: Delete

First, log on to Business Online Banking if you
STEP 1 Locate the ACH


and click Delete. (if the option doesn’t appear, the
ACH cannot be deleted; only ACH with a status of
Saved, Pending Origination, or Recurring Entry can
be deleted.)
STEP 2 Delete the ACH

Review the details of the ACH to ensure you have
selected the correct transaction, then click Next.
If this is a repeating ACH you can choose to delete

only the Next Transfer or you can Delete All
Transfers that are scheduled in the future. Choose
the appropriate option and Delete ACH.
The deletion of the ACH will be confirmed.
Call ACH Support

888-289-0005
Mon.-Fri.
8 a.m. – 5 p.m. ET

Manage ACH: Resubmit return

ACH entries may be returned to the Originator for To Create a New ACH
various reasons, such as NSF, invalid account
number, etc. 1. On the Activity tab, click +New Payment (to
pay someone else) or +New Collection (to pull
The bank will contact the ACH Originator if a return payment from someone else). .
is received, explaining the reason and any options
available to resolve. 2. Choose the same Type as the original file.
The bank will also credit or debit the Originator’s 3. Enter the Description as “RETRY PYMT.”
account for the returned entry, at which time the
Originator may choose to resubmit the ACH entry. 4. Enter the “offset” debit or credit amount to
match the item being resubmitted.
NOTE: The Company name, Company ID and
amount used for the original entry must be 5. Enter detail about the entry that was returned
identical in the resubmitted file. and change the appropriate information if
needed.
Originators have two ways to resubmit returned
ACH items: using the original ACH or creating a 6. When finished, click Complete ACH.
new ACH.
To Use the Original ACH

1. On the Activity tab, locate the ACH by scrolling
or using Search Activity on the right to filter the
list.
2. Beside the ACH that included the returned

item, click Copy.
3. When the ACH opens:

A. Change the Description to “RETRY PYMT.”
B. Change the “offset” debit or credit amount
to match the item being resubmitted.
C. Locate the original entry that was returned
and change the appropriate information (if
needed).
D. Place holds on all other entries in the file so
they aren’t submitted again.
4. When finished, click Complete ACH.
Call ACH Support

888-289-0005
Mon.-Fri.
8 a.m. – 5 p.m. ET

Manage ACH: Create report

First, log on to Business Online Banking if you STEP 3 Save or Print
When the report downloads, you print or save it
STEP 1 Select the ACH following your normal process.

using Search Activity on the right to filter the list
and click Report.
STEP 2 Create a report

Click Select to pick the individual files to include in
your report. Then select the Type options to filter
by file information, batch information, and/or
transactions. Then select the format (PDF or CSV
(comma separated value) and Download Report.

Screens by SEC code: PPD

Prearranged Payment or Deposit / Payroll / Health Savings Account
A PPD is a credit or debit for consumer accounts for payroll, memberships, tuition, etc.
 Description – appears on the recipient’s statement after your Company’s name (i.e. ABC Company Payroll for May 3).
 Effective date – date the entry should post to the recipient’s account.
 Same day – for individual transactions less than $1,000,000 each to post the day you process the ACH, if submitted
by daily deadline (see pg 1); additional fee applies.
 Repeat – select the box, then enter Frequency and End date.
 Company description – defaults for company selected.
 Pay from / Pay to
o Enter the recipient’s name, identification if appropriate, routing transit number, account number, type
(checking, savings), and amount. Click column names to sort. Click Show Details to display an optional field
to appear on recipient’s statements.
o Use the drop-down to select your offset account and amount. Click Show Details to display an optional field
 Health Savings Account – Choose a contribution type.

Screens by SEC code: CCD

Corporate Credit or Debit / Vendor Payment / Remittance / Child Support Payment
A CCD is a credit or debit for business accounts for vendor payments, child support payments, etc.
 Description – appears on the recipient’s statement after your Company’s name (i.e. ABC Company Remittance 123).
Note: The Remittance type is designed for
 Repeat – select the box, then enter Frequency and End date. $0 ACH that serve as receipt of payment
from one business to another. To send an
 Company description – defaults for company selected. actual payment, send a Corporate Credit.
 Child Support – for Case Identifier, Pay Date, Pay Amount, Non-Custodial Parent SSN, Medical
Support Indicator, Non-Custodial Parent Name, FIPS Code, and Employment Termination Indicator.

Screens by SEC code: CCD (TXP)

Federal, State, Local Tax Payment
CCD (TXP) transfers are used to make tax payments.
 Description – appears on the recipient’s statement after your Company’s name (i.e. ABC Company Sales Tax).
 From account – select your offset account.
 Payments – enter the recipient’s name then select the tax description and enter the tax period end date,
identification, verification, account, routing transit, and amount. The type and type description auto-fill based on tax
description selected.

Screens by SEC code: CTX

Corporate Trade Exchange Entry
CTX transactions are used to transfer funds (debits or credits) between trading partners.
 Description – appears on the recipient’s statement after your Company’s name (i.e. ABC Company Project 123).
to appear on recipient’s statements. For CTX transfers, you can add up to 9,999 fields for each entry

Warning messages & statuses

If an ACH requires additional customer or bank review, you
will see a Warning Message.
If an ACH cannot process due to an error or missing

information, a red Error Message will appear (reasons may vary; A Same Day Entry must be for an amount of $100,000 or less.
read message to determine nature of issue).
If the suspects an ACH is a duplicate, a

warning message displays with details
to help you determine appropriate USER NAME
action. Follow instructions on the
screen to process the ACH or not.
USER NAME
Transfer Status What It Means

Saved The ACH has been created, but not processed.
The ACH has been sent by the bank to the Federal Reserve for processing, so you may no longer
Processed
change or delete the ACH.
The ACH has been successfully submitted to the bank, and the bank will hold it until the
Pending Origination
appropriate processing day. You may still change or delete the ACH.
The ACH is a repeating transfer that is being held by the bank until the appropriate processing day.
Recurring Entry
You may still change or delete the ACH.
The ACH was previously in Pending Origination status, then was deleted by a User at your
User Deleted
company. This ACH will not process, but will remain visible to you for reference.
The ACH has more than one batch and at least one of the batches has been sent to the Federal
Partial Origination
Reserve for processing, so you may no longer change or delete any batch within the ACH.
The ACH has been submitted, but still requires additional review based on your company’s review
Transfer Exceeds Review:
thresholds, or the number of ACHs submitted. This ACH will not process until it has been approved
Pending Approval
by an authorized individual.
Resubmit Required: System The ACH was not submitted to the bank and will not process. The User must go back into the ACH,
was Unavailable and click on Complete ACH again.
The ACH was not submitted to the bank and will not process. The User must go back into the ACH,
File Not Originated
and click on Complete ACH again.
The ACH was not submitted to the bank and will not process. The User should call the bank to
Transfer Processing
have the ACH processed.

Returns & Notifications of Change (NOCs)

These steps apply to returns & NOCs received from other banks;
for those from our bank, details are sent via secure email
Click this icon on any

screen for help specific
to what you’re doing
Daily Processing and Recon

Transaction Management
Left-side menu:
1. Click on Transaction Processing
2. Click on ACH Reporting Files
ACH RETURNS ACH NOC REMITTANCE

(Notifications of Change) (Remittance Advice Detail | EDI)
1. Click Download to
1. Click Download to 1. Click Download to
view full transaction
view full transaction view full transaction
details in PDF
details in PDF details in PDF
2. Open or Save PDF as
2. Open or Save PDF as 2. Open or Save PDF as
needed
needed needed
Defaults to current date;
Defaults to current date; Defaults to current date;
history available up to
history available up to history available up to
120 days
120 days 120 days

Sample Returns & NOCs
Returns Key Information
1. Who you sent funds

to / the original
1 2 transaction you
sent.
2. Your information as
the sender.
3 3. Details of original
transaction returned
to you.
4. Reason for the

return (ex: Payment
4
Stopped means the
receiver (Ayden
Kiehn) placed a stop
Action to Take payment on this
This transaction has been returned, so you must either submit a new one OR transaction).
make other arrangements with the Receiver to send/collect the funds.
Key Information
1. Who you sent funds

NOCs
to / the original
transaction you
sent. 1 2
2. Your information as
the sender.
3. Details of original
transaction that has
3
posted, but needs
to be corrected.
4. Change code (ex:

incorrect account
number) and the
corrected data (ex:
4
253078).
Action to Take (see next section for guidance on change codes)
This transaction has posted, so you do NOT need to send it again. Simply make
the correction to your ACH file/records before sending another transaction.

NOC Change Codes

A Notification of Change (NOC) is a convenient way for a receiving bank to notify ACH Originators of a correction needed
for future transactions. The receiving bank has accepted the original transaction and has manually fixed the incorrect
information. When you receive an NOC, make the correction right away and before sending the next transaction – this helps
the receiving bank post the transaction without manual intervention. If an NOC correction is not made, the receiving bank
may start “returning” the transaction to you instead. That will be more inconvenient because it delays your transaction from
reaching its destination account. Failure to correct files based on NOCs is subject to financial penalties.
Common NOC Change Codes

NOC Change What it Means How to Fix
Code
C01 Incorrect account number Correct the account number in your next file
C02 Incorrect routing number Correct the routing transit number in your next file
C03 Incorrect routing & account number Correct BOTH the routing transit and account number in your
next file
C05 Incorrect transaction code Transaction codes indicate whether an account is checking or
savings; correct the account type in your next file as follows.
If corrected That tran code means the Change account

data is… transaction should be… type in your file to…
22 Credit to Checking Checking
32 Credit to Savings Savings
27 Debit to Checking Checking
37 Debit to Savings Savings

C06 Incorrect account number & Correct the account number in your next file AND refer to
transaction code code C05 for instructions to correct the account type (tran
code)
C07 Incorrect routing number, account Correct BOTH the routing transit and account number in your
number, & transaction code next file AND refer to code C05 for instructions to correct the
account type (tran code)
See an NOC change code not on this list? Call ACH Support
888-289-0005
Mon.-Fri.
8 a.m. – 5 p.m. ET

Email notifications
ACH emails may be received for various reasons. Below are some examples, but you may see others.
ACH Confirmation
From: ACH@parknationalbank.com
Sent: Monday, September 16, 2020 8:38 AM
To: User, ACH achuser@email.com
Subject: Transfer Notification
[ACH NAME] received from [CLIENT NAME] on [DATE] has passed all origination steps with out exception.
[FILE DETAILS]
Thank you,
ACH@parknationalbank.com
Exceeded ACH Limit

Subject: ACH Limit Check – Warning!
Warning!
[ACH NAME] received from [CLIENT NAME] on [DATE] has exceeded the following ACH review threshold(s):
The credit total allowed to be settled for [DATE] has been exceeded by [$ AMOUNT].
Thank you,
ACH@parknationalbank.com
ACH Validation Check

Subject: ACH Validation Check – File not originated!
Error – File not originated!

Nacha file for [ACH NAME] was received from [CLIENT NAME] on [DATE] and the following error(s) have been found:
Error: [Ex: Hash total does not match batch control record]
Error Number: 39
Batch Number: 0000001
Record Type Code: 8
Nacha Field Code: 4
Nacha Field Name: Entry Hash
Call ACH Support
Thank you, 888-289-0005
ACH@parknationalbank.com Mon.-Fri.
8 a.m. – 5 p.m. ET

Origination File Requirements

General Instructions
 Our bank only accepts balanced files. Unbalanced files will not be accepted.
 All files must use an offset account established on Business Online Banking.
 Files must use standard 94/10 blocking factor: 94 characters per line, 10 rows per block.
File & Batch Header Records: Values to Enter in Your ACH Software
Record/Field Value to Enter Notes

FILE HEADER (“1 record”)
10 characters total: enter a ‘space’ followed by
Immediate Destination TR [space]044101305
9 digits
Immediate Destination Name Park National Bank
10 characters total: enter a ‘space’ followed by

Immediate Origin TR [space]044102362
9 digits
Immediate Origin Name Your Business Name 23 characters
BATCH HEADER (“5 record”)

16 characters: enter a business name known
Company Name Your Business Name to Receiver; will appear on Receiver’s
statement
20 characters: OPTIONAL for business’s use

Company Discretionary Data Your Choice
for data significant to the business
10 characters: enter a ‘space’ followed by the

Company Identification [space]Your Tax ID
business EIN (tax ID)
Originating DFI Identification 04410130 8 digits
10 characters: enter the purpose of the file

Company Entry Description Your Choice (e.g. PAYROLL); will appear on Receiver’s
statement

Tax codes
IRS numbers are subject to change at any time based on legislation.
Tax Type Conversion Codes

Tax Tax
Definition Valid Months
Type Type Code
720 Quarterly Excise Tax 72005 Mar, June,
Federal Tax Deposit 72007 Sept, Dec
Payment due on a return, or an IRS Notice
IRS Numbers for Tax Type 720 and 720M (see table below)
940 Employer’s Annual Unemployment Tax Return 09405 December
Federal Tax Deposit 09407
Payment due on a return or and IRS notice 09404
A deficiency assessed by the IRS
941 Employer’s Quarterly Tax Return, Federal Tax Deposit 94105 Mar, June
Payment due on a return or an IRS notice 94107 Sept, Dec
A deficiency assessed by the IRS 94104
Subcategory breakdown for 941:
Social Security 1
Medicare 2
Withheld 3
945 Withheld Federal Income Tax 09455 December
Payment due on a return or an IRS notice
1041 Fiduciary Income Tax Return 10417 Jan – Dec
Payment due on a return or an IRS notice 10416 (FY – Month)
An estimated payment 10412
Payment on an extension
1042 Annual Withholding Tax for Income of Foreign persons 10425 December
Payment due on a return or an IRS notice
1120 U.S. Corporation Income Tax 11206 Jan – Dec
Federal Tax Deposit 11207 (FY – Month)
Payment due on a return or IRS notice 11202
Payment due for an extension 11200
Amended Return (1120X)
IRS Numbers for Tax Type 720 and 720M

Number Description
Superfund Trust Fund
53 Domestic petroleum superfund tax
16 Imported petroleum products superfund tax
54 Chemicals
17 Imported chemical substance
Black Lung Disease Trust Fund
36 Coal – Underground mined @ 50/$1.10 per ton
37 Coal – Underground mined @ 2/4%4/4% limitation of ton price
38 Coal – Surface mined @ 50/$1.10 per ton
39 Coal – Surface mined @ 2/4%4.4% limitation of ton price
Inland Warranty Trust Fund
64 Inland waterways fuel use tax
Superfund Trust Fund
81 DPT vaccine
82 DT vaccine
83 MMR vaccine
84 Polio vaccine
89 Vaccine Numbers 81-84 floor stock, 8-08-93

Number Description
97 Vaccines
Highway Trust Fund
33 Truck, trailer and semi-trailer chassis and bodies, and tractors
58 Gasoline sold for gasohol production containing at least 10% alcohol
Gasohol containing at least 10% alcohol
59
Diesel fuel
60
Liquefied Petroleum Gas (LPG)
61 (a) Gasoline, tax on removal at terminal rack (b) Gasoline, tax on taxable events other than removal at
62 terminal rack
66 Highway type tires
73 Gasoline sold for gasohol production containing at least 7.7% alcohol but less than 10% alcohol
Gasoline sold for gasohol production containing at least 5.7% alcohol but less than 7.7% alcohol
74 Gasohol containing at least 7.7% - 9.9% alcohol
Gasohol containing at least 5.7% - 7.6% alcohol
Diesel fuel for use in certain intercity buses
75
Other Special Fuels
76 Compressed natural gas (tax rate per thousand cubic feet)
78
HTF Floor Stock
65 Gasoline floor stock
67 Gasohol floor stock
70 Diesel floor stock
72 Gas to make gasohol floor stock
85 Diesel floor stock
86 Other alcohol fuels floor stock
88 Diesel fuel, based on January 1, 1994 inventory floor stock
103 Kerosene (Floor Stock) effective July 1, 1998
Ozone Depleting Chemicals Taxes
19 Imported products containing ODCs
20 Ozone-depleting chemicals (floor stocks)
98 Ozone-depleting chemicals (ODCs)
Airport and Airways Trust Funds
14 Gasoline for use in noncommercial aviation
26 Transportation of person by air
27 Use of international air travel facilities
28 Transportation of property by air
69 Aviation fuel (other than gasoline)
77 LUST tax on aviation fuel (other than gasoline)
Aquatic Resources Trust Fund
41 Sport fishing equipment
42 Electric outboard motors and sonar devices
Earmarked Funds
44 Bows
102 Arrow-Component Parts
Non-Trust Funds
22 Toll telephone service, teletype-writer exchange service, and local telephone service
29 Transportation by water
30 Life insurance, sickness and accident policies, and annuity contracts
31 Obligations not in registered form
35 Kerosene effective July 1, 1998
40 Gas guzzler tax
51 Alcohol sold but not used as fuel
71 Diesel fuel for use in trains
87 Aviation fuel (other than gasoline) floor stock
92 Passenger vehicles
95 Aviation Fuel (other than gasoline) floor stock, 8-08-97
96 Aviation Gasoline (Floor Stock)
Transferred to ATF, Expired or Repealed
18 Oil spill – imported (repealed)
21 Oil spill – domestic (repealed)

Glossary
Standard Entry Class (SEC) Codes
 Prearranged Payment or Deposit Entries (PPD) o Vendor Payment
o Payroll o Remittance
o Prearranged Deposit o Child Support Payment
o Prearranged Payment
o Health Savings Account (HSA)  Corporate Credit or Debit + TXP (CCD)
o Federal Tax Payment
 Corporate Credit or Debit (CCD) o State/Local Tax Payment
o Corporate Debit
o Corporate Credit  Corporate Trade Exchange (CTX)
ACH Participants
There are six participants in ACH transactions, as defined in the ACH Rule Book:
1. Originator
Originator is the entity that initiates ACH entries according to an arrangement with a Receiver. The Originator is
usually a business directing a transfer of funds to or from an individual’s or another business's account.
2. Receiver
Receiver is an individual or business that authorizes an Originator to initiate ACH entries to the Receiver's account.
3. Originating Depository Financial Institution (ODFI)
OFDI is the Originator’s bank that receives payment instructions from Originators and forwards ACH entries to the
ACH Operator.
4. Receiving Depository Financial Institution (RDFI)
RDFI is the Receiver’s bank that receives ACH entries from the ACH Operator and posts them to the accounts of its
depositors (Receivers).
5. Automated Clearing House (ACH) Operator
ACH Operator is the central clearing facility, operated by a Federal Reserve Bank (FRB) or a private organization,
which receives ACH entries from ODFIs and distributes the entries to appropriate RDFIs.
6. Nacha
The electronic payments association that provides operating guidelines for all ACH participants.

Online Banking ACH Guide

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Welcome to Technology

Information ACH Solutions

Pay your employees, vendors, bills,

Send ACH: Create new

Select Show Details at the top to add payment-

STEP 4 Send the ACH

Use your token to complete the Security

A summary displays. Save as template if you

STEP 2 Enter your details

Park National Bank | 5/2022 Page 2 of 28

Send ACH: Copy

STEP 4 Send the ACH

STEP 2 Update your details

STEP 3 Update recipient details

Select Show Details at the top to add payment-

Park National Bank | 5/2022 Page 3 of 28

Send ACH: Use template

STEP 4 Send the ACH

STEP 2 Update your details

STEP 3 Update recipient details

Park National Bank | 5/2022 Page 4 of 28

Send ACH: Import Nacha

Select Show Details at the top to add payment-

Select Prenote beside a recipient to validate the

STEP 2 Verify your details STEP 4 Send the ACH

Click on the file in the lower left hand corner to

Exceed your limit?

Park National Bank | 5/2022 Page 5 of 28

Send ACH: Import Non-Nacha

Select Show Details at the top to add payment-

Select Hold beside a recipient to exclude that

Click X beside a recipient to delete from file; click

STEP 4 Send the ACH

Use your token to complete the Security

A summary displays. Save as template if you

STEP 2 Verify your details

Exceed your limit?

Send ACH: Dual Control - approve

On BOB Home, scroll down to Payments &

STEP 2 Review ACH details

STEP 3 Approve or disapprove

Use your token to complete the Security

Call ACH Support

Park National Bank | 5/2022 Page 7 of 28

Send ACH: Reverse

A summary displays. Return to ACH activity takes

On the Activity tab, locate the ACH by scrolling or

STEP 2 Update recipient details

Call ACH Support

Park National Bank | 5/2022 Page 8 of 28

Manage ACH: Create a template (non-imports only)

STEP 5 Save the template

Select a Type from the list then click Continue. For

STEP 2 Enter your details

STEP 3 Update User Access

Park National Bank | 5/2022 Page 9 of 28

Manage ACH: Create an import template

Select Show Details at the top to add payment-

Select Hold beside a recipient to exclude that

Click X beside a recipient to delete from file; click

Use your token to complete the Security

A summary displays. Save as template if you