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EFT Exception Processing Forms

Description

The EFT Exception Processing service allows you to electronically submit the following forms to TD Bank for processing via the File Transfer function:

1. Countermand Request - Single Delete/Reversal
   
   • Requests for Single item processing will be treated as deleted if the item has not been delivered to another FI or to TD’s internal posting system.
   • Requests for Single item processing when the item has been delivered to another FI or TD’s internal posting system will be processed as reversals.


2. Countermand Request – File Delete/Reversal – Requests for file deletes/reversals will be processed as deletes if the exception request is received on the same day, up until 9:00pm and none of the transactions included in the file have been delivered to another FI or TD’s internal posting System. If the request is received after 9:00pm the request will be processed as a Range Delete request.
3. Countermand Request – Range Delete/Reversal – Requests for Range Deletes/Reversals will be processed as deletes if the items have not been delivered to another FI or to TD’s internal posting system. If the items have been delivered to another FI or to TD’s internal posting system, the request will be processed as reversals. It is possible that a single range request will include items processed in both manner as delivery times may differ depending on the location of the original transactions when the request is received.
   NOTE: CPA Rules allow for reversals for 4 days after the posting of the original transaction. Requests received for items posted more than 4 days in the past will not be processed.
4. Trace Request – If you have been notified by the receiver of your transaction, that it has not been received, you may request a trace request in order to determine where the item went.
   Note: Traces may be performed up to 1 year after the original transaction was processed. If further investigation is required and the item is under $20.00 the item will not be investigated. CPA Rules do not allow for items under $20.00 to be traced.
5. File Detail Request - The file detail request will provide you with a report listing all transactions in a file and the trace numbers that TD assigned to those items. File Detail Request reports are available for up to 5 days after the oldest item on the file is posted.
   Note: This information is required prior to requesting a Countermand Range Request.
6. Reimbursement Claim Form Request - When a Preauthorized Debit (PAD) is disputed by a payment receiver, the payor is required to complete a Reimbursement Claim Form prior to receiving their funds back and the item being returned through the clearing. The EFT Exception Processing service allows the originator of the PAD to electronically submit a request for a copy of the Reimbursement Claim Form signed by the payor.
   Note: Reimbursement Claim form requests may be made for up to 1 year following the return of the original transactions. Under CPA Rules the Financial Institution that returned the original item has 30 days to provide the copy of the form.

Accessing the EFT Exception Processing Page

To access the EFT Exception Processing Forms page simply click EFT Forms from the File Transfer Menu.

How To Submit Exception Processing Forms

The process to submit all forms except Countermand – Single Delete and Trace requests, has three steps:

Note: For Countermand – Single Delete and Trace Requests you may submit up to 10 requests so you will be prompted in Step 1 to select the number of requests you with to submit. You will then be prompted with a new page for each additional request.

Step 1: Select the form you wish to submit from the form dropdown list and enter the applicable information. 

Step 2: Review the information entered and click Submit.

Step 3: Print the confirmation if necessary and review the message displayed in the new window.

Step 4: Review the EFT FILE PROCESSING REPORT to confirm that your request has been processed as detailed below.

Result: Once submitted, a report will be generated for your request and can be accessed from the File Transfer – Receive File function.

Note: Items are only available for exception processing after they have been processed by our EFT Application. You should ensure that the EFT FILE PROCESSING REPORT has been received for the file that the item(s) were submitted with. Exception file requests sent between the hours of 1:00 a.m. and 4:00 a.m. EST Tuesday to Friday will receive confirmations after the 7:00 a.m. EST. EFT Exception file requests submitted during other hours (Monday to Friday) will receive SLA confirmations throughout the remainder of the day approximately 30 minutes after the exception request is made for both Canadian and USD.

During weekends or statutory holidays, once the inbound file is received, the EFT FILE PROCESSING REPORTS will be delivered following the processing windows at 9:00 a.m., 12:00 noon, 3:00, 6:00 and 9:00 p.m.. These processing timeframes apply to files in Canadian dollars only. There are no USD processing windows on weekends. Exception requests submitted over the weekend or statutory holidays will be available only if the file was received prior to end of day Friday. Exception processing for USD files submitted on the weekend must be submitted on the next business day after 9:00 a.m.

User Rights/Security/Filtering

• To access this page you must have been assigned one or both of the EFT Forms file types (i.e. EFT Exception Processing and/or Reimbursement Claim Request form)