The Guide to Successful Electronic Payments, 2011 Edition | by The American Payroll Association | ISBN: 9781934951422. Business ECommerce Book. Electronic Paycards. Payroll Debit Cards. International Payments. Administration of Direct Deposit. Third-Party Electronic Payment Resources
Monday, October 31st, 2011by The American Payroll Association
2011 (304 pages)
ISBN:9781934951422
Including the federal and state regulations governing direct deposit, this guide offers proven steps for selling, implementing, and administering the direct deposit and electronic paycard processes within an organization.
2011 The Guide to Successful Electronic Payments
ASIN: 1934951420
The Guide to Successful Electronic Payments, 2011 Edition
Introduction
Overview
The History of Electronic Pay
How to Use This Guide
Other Information You Should Know
Chapter 1 – Electronic Payment Overview
Highlights
How Does the Direct Deposit System Work?
Key Points About Direct Deposit
Federal Reserve Banking Holiday Schedule, 2011
Handling Credit, Debit, and Prenote Returns and Notifications of Change
Notification of Change
Chapter 2 – Why You Should be Interested in Direct Deposit
Overview
Improved Payroll Performance
Business Continuity / Disaster Recovery
Cost Savings for the Company
Determining the Financial Costs and Benefits of Direct Deposit
Increased Service to Employees
Responding to Employee Resistance
Use ACH for More Than Paychecks
Chapter 3 – The Legal Framework Covering Direct Deposit
NACHA – The Electronic Payments Association
The NACHA Operating Rules
Federal Electronic Fund Transfer Act and Regulation E
Fair Labor Standards Act (FLSA)
State and Federal Laws and Regulations on Pay Media
Federal Government Uses Direct Deposit
You Can Help Promote Change
Chapter 4 – Pitching Direct Deposit to Top Brass
Overview
At Companies That Emphasize Employee Services
At Companies That Emphasize Quality and Control
At Companies That Emphasize Productivity and Cost Savings
At Companies Concerned With Loss of Float
Chapter 5 – Developing the Company/Financial Institution Relationship Agreement
Overview
Contact Your Company’s Financial Institution First
How to Choose an ODFI
ODFI Selection Criteria
Preparing a Service Agreement
How Much Will It Cost?
Who Should Be Responsible for Negotiations?
Sample Company/Financial Institution ACH Origination Agreement
Chapter 6 – How to Market Direct Deposit
Overview
Educate Yourself and Your Payroll Department
Analyze Your Payroll System or Service Provider’s Capabilities
Analyze the Demographics of Your Company’s Work Force
Sample Direct Deposit Survey
Know Your Stuff
Working With Unionized Employees
Mark Your Calendar for Direct Deposit and Direct Payment Month — May 2011
Miscellaneous Marketing Materials
Chapter 7 – Implementation of Direct Deposit
Overview
Implementation Issues
ACH Direct Deposit File Format
File Organization
Processing Schedules
Testing Direct Deposit
Data Formats and Field Contents
Direct Deposit Sample Set-Up Schedule
Direct Deposit Implementation Checklist
Chapter 8 – Administration of Direct Deposit
Decide What Information to Give Employees
Setting Up New Enrollees
Changes Authorized by Employees
Resolve Late Deposit Issues
Stopping Direct Deposit
Daily ACH Processing
Accounting for Transmittals
Account Reconciliation/Auditing
Holiday Processing
Disaster Recovery
Importance of Documentation
Chapter 9 – Third-Party Electronic Payments
Child Support Payments
A Standard Format for Direct Deposit of Child Support
How the Process Works
Benefits
Electronic Federal Payroll Tax Payments
Other Electronic Payments
Chapter 10 – International Payments
Overview
International ACH Transactions
Chapter 11 – Federal and State Regulations on Direct Deposit and Electronic Paycards
Overview
Electronic Fund Transfer Act of 1978 15 USC 1693 —1693r (excerpts)
Regulation E 12 CFR Part 205 (excerpts)
State Rules Governing Direct Deposit and Electronic Paycards
Chapter 12 – Payroll Debit Cards
Overview
Types of Payroll Debit Cards
Types of Payroll Debit Card Bank Accounts
Issuing Payroll Debit Cards
Employee Access to Funds
Employee Promotion and Training
Employee Enrollment
Compliance Issues
Benefits of Payroll Debit Cards
Child Support Agencies Use Prepaid Debit Cards to Remit Support Payments
Frequently Asked Questions for Employers
Frequently Asked Questions for Employees
Chapter 13 – Electronic Payments in Accounts Payable
Overview
Wire Transfer
Electronic Funds Transfer (EFT)
Electronic Check Processing (ECP)
ACH Payments
Organizational Resistance to Moving to Electronic Payments
Glossary
Appendix A – Technical Information
ACH Operations Bulletin IAT Effective Date Extended to September 18, 2009
Operations Bulletin ACH Risk Management and Rules Compliance
Interim Policy on ACH Data Breach Notification Requirements
ACH Operations Bulletin ACH Data Breach Notification Requirements For Participating Depository Financial Institutions
Appendix B – Agency Contact Information for Direct Deposit and Electronic Paycards
Appendix C – Electronic Child Support Payments Contact List
Appendix D – Electronic Payments Articles from PAYTECH
The Official Membership Magazine of the American Payroll Association
Increase Direct Deposit Participation With Prepaid Debit
Pay Them in Cash
Reversing Paycard Overpayments Calls for Extra Care
Unlock the Mystery of Corporate Bank Accounts
Changes to Child Support System Ease Burden on Payroll
Penny Prenotes Don’t Always Make ‘Cents’
IATs Provide Financial Security for America
Take Advantage of Paycards as a Compliance Tool
Moving Accounts Payable Into the Electronic Age
Appendix E – Electronic Payment Resources
Overview
American Payroll Association Publications
NACHA Publications, Brochures and Material
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