TABLE OF CONTENTS

ACH

Credit Reporting

Index

Line of Credit

Safe Deposit Box

Bond Accounting

Deposits

Inquiry System

Mortgage Loans

Top

C.D.'s

ETFM

Installment Loans

Multi-Filesystem

Updates

CIF

FIDM

Internet

Optical Disk

Voice Response

Commercial Loans

ForeCash

IRA’s

Payroll

WCS

Construction Loans

General Ledger

Just Ask

PCN-Term

WCS-Term

 

SECTION 1 GENERAL INFORMATION                                                                      Table of Contents   Index   Top

1.1 SYSTEM INTRODUCTION
1.2 SYSTEM FLOW
1.2.1 INSTALLATION
1.2.2 DAILY PROCESSING
1.2.3 REPORT GENERATION
1.3 DISK FILES

SECTION 2 OPERATIONAL PROCEDURES                                                              Table of Contents   Index   Top

2.1 INTRODUCTION
2.2 KEYBOARD FUNCTIONS
2.3 SYSTEM STARTUP
2.4 BACKUP PROCEDURES

SECTION 3 CUSTOMER INFORMATION FILE                                                        Table of Contents   Index   Top

3.1 INTRODUCTION
3.2 CUSTOMER RECORDS
3.3 CUSTOMER FILE MAINTENANCE

3.3.1 NEW/CHANGE
3.3.2 INQUIRY
3.3.3 ALPHABETIC SEARCH
3.3.4 CUSTOMER LIST

SECTION 4 DEPOSIT ACCOUNTING SYSTEM                                                        Table of Contents   Index   Top

4.1 INTRODUCTION
4.2 DEPOSIT ACCOUNT FILE
4.3 BANK CONTROL RECORDS

4.3.1 CHANGE BANK NAME AND ADDRESS
4.3.2 CHANGE ACCRUAL DATE
4.3.3 CHANGE BANK TOTALS
4.3.4 CHANGE TRANSACTION CODES
4.3.5 CHANGE ACCOUNT TYPE CONTROL RECORDS
4.3.6 CHANGE PROOF POCKET CONTROL RECORDS

4.4 DEPOSIT ACCOUNT ACTIVITY
            4.4.1 NEW ACCOUNT
            4.4.2 CHANGE ACCOUNT
            4.4.3 TRANSACTIONS
            4.4.4 ACTIVITY SUMMARY
               
4.4.5 NEW/CHANGE STOP PAYMENT
               
4.4.6 YEAR-END MAINTENANCE
               
4.4.7 PROOF ENTRY
            4.4.8 POST PROOF ITEMS
               
4.4.9 CLEAR PROOF FILES
               
4.4.10 PROOF SUMMARY
               
4.4.11 ACCOUNT SUMMARY
4.5 DEPOSIT ACCOUNTS REPORTS
               
4.5.1 TRANSACTION JOURNAL
               
4.5.2 TRIAL BALANCE
               
4.5.3 CLOSED ACCOUNT LIST
               
4.5.4 NEW ACCOUNT LIST
               
4.5.5 CALL REPORT
            4.5.6 OVERDRAFT LISTS
               
4.5.7 STOP PAYMENT LISTS
            4.5.8 PROOF LIST
            4.5.9 SERVICE CHARGE LIST
            4.5.10 CHECK REGISTER
            4.5.11 PRINTER CONTROL
4.6 CUSTOMER NOTICES
            4.6.1 STATEMENTS
            4.6.2 OVERDRAFT NOTICES
            4.6.3 INTEREST CHECKS
            4.6.4 1099'S
            4.6.5 AUDIT STATEMENTS
4.7 FILE INQUIRIES
            4.7.1 CUSTOMER/ACCOUNT INQUIRY
            4.7.2 DISPLAY LEDGER
            4.7.3 PRINT LEDGER
            4.7.4 DISPLAY LAST ENTRY
4.8 UTILITIES
            4.8.1 DISPLAY FILE STATUS
            4.8.2 COMPRESS FILE
            4.8.3 PRINT FILE
            4.8.4 DELETE BY KEY
            4.8.5 DELETE BY RECORD SHOWING KEYS
            4.8.6 DELETE BY RECORD
            4.8.7 DELETE ZERO BALANCES
            4.8.8 BUILD LOOKUP FILE
            4.8.9 AVAILABLE ACCOUNT LIST
            4.8.10 CONVERT FROM VERSION I
            4.8.11 BALANCE CONVERSION
            4.8.12 CHANGE YTD INTEREST
            4.8.13 ADDING MACHINE
            4.8.14 COMPUTE INTEREST
            4.8.15 STOPWATCH
            4.8.16 COPY RECORD

SECTION 5 CERTIFICATE OF DEPOSIT SYSTEM                                                  Table of Contents   Index   Top

5.1 INTRODUCTION
5.2 CERTIFICATE OF DEPOSIT FILE
5.3 CERTIFICATE OF DEPOSIT ACTIVITY

5.3.1 NEW CERTIFICATE
5.3.2 CHANGE CERTIFICATE
5.3.3 TRANSACTIONS
5.3.4 ACTIVITY SUMMARY
5.3.5 CHANGE ACCRUAL DATE
5.3.6 YEAR-END MAINTENANCE
5.3.7 FORCE INTEREST PAYMENT
5.3.8 CHANGE VARIABLE RATES

5.4 CERTIFICATE OF DEPOSIT REPORTS

5.4.1 TRANSACTION JOURNAL
5.4.2 TRIAL BALANCE
5.4.3 CASHED C.D. REPORT
5.4.4 NEW CERTIFICATE REPORT
5.4.5 CALL REPORT
5.4.6 FORECAST REPORT
5.4.7 CHECK REGISTER
5.4.8 EDIT LIST
5.4.9 INTEREST PAYMENT FORECAST REPORT
5.4.10 ADVANCE CHECK REGISTER
5.4.11 PRINTER CONTROL

 5.5 CUSTOMER NOTICES

5.5.1 NOTICES
5.5.2 1099'S
5.5.3 CHECKS
5.5.4 ADVANCE CHECKS

5.6 FILE INQUIRIES

5.6.1 CUSTOMER/C.D. INQUIRY
5.6.2 DISPLAY CUSTOMER LEDGER
5.6.3 PRINT CUSTOMER LEDGER

5.7 UTILITIES

5.7.1 DISPLAY FILE STATUS
5.7.2 COMPRESS FILE
5.7.3 EDIT CONTROL RECORDS
5.7.4 CHANGE YTD INTEREST
5.7.5 CHANGE C.D. DATES
5.7.6 PRINT AND PURGE OLD HISTORY
5.7.7 REBUILD LOOKUP FILE
5.7.8 DELETE CASHED C.D'S

SECTION 6 INSTALLMENT LOAN SYSTEM                                                            Table of Contents   Index   Top

6.1 INTRODUCTION
6.2 INSTALLMENT LOAN FILE
6.3 INSTALLMENT LOAN ACTIVITY

6.3.1 NEW LOAN
6.3.2 CHANGE LOAN
6.3.3 TRANSACTION
6.3.4 ACTIVITY SUMMARY
6.3.5 CHANGE ACCRUAL DATE
6.3.6 EARNINGS MAINTENANCE

6.4 INSTALLMENT LOAN REPORTS

6.4.1 TRANSACTION JOURNAL
6.4.2 TRIAL BALANCE
6.4.3 PAYOFF FORECAST
6.4.4 PAST DUE REPORT
6.4.5 PAID OUT REPORT
6.4.6 NEW AND EXTENDED REPORT
6.4.7 PERFORMANCE REPORTS
6.4.8 CALL REPORT
6.4.9 ALLOCATION REPORT
6.4.10 DELINQUENCY REPORT
6.4.11 DELINQUENT EARNINGS

6.5 CUSTOMER NOTICES

6.5.1 ADVANCE NOTICES
6.5.2 LATE NOTICES
6.5.3 DELINQUENCY NOTICES
6.5.4 ANNUAL INTEREST NOTICES

6.6 FILE INQUIRIES

6.6.1 CUSTOMER/LOAN INQUIRY
6.6.2 CUSTOMER LEDGER

6.7 UTILITIES

6.7.1 DISPLAY FILE STATUS
6.7.2 COMPRESS FILE
6.7.3 EDIT CONTROL RECORDS
6.7.4 DELETE OLD EARNINGS RECORD
6.7.5 DELETE PAID LOANS
6.7.6 PRINT AND PURGE OLD HISTORY
6.7.7 BUILD LOOKUP FILE

SECTION 7 COMMERCIAL LOAN SYSTEM                                                             Table of Contents   Index   Top

SECTION 8 GENERAL LEDGER                                                                                   Table of Contents   Index   Top

SECTION 9 BOND ACCOUNTING                                                                                Table of Contents   Index   Top

SECTION 10 CONSTRUCTION LOAN MANAGEMENT                                         Table of Contents   Index   Top

SECTION 11 FORECASH SYSTEM                                                                              Table of Contents   Index   Top

SECTION 12 BANCADO INQUIRY SYSTEM                                                             Table of Contents   Index   Top

SECTION 13 MORTGAGE LOAN SYSTEM                                                                Table of Contents   Index   Top

13.1 INTRODUCTION
13.2 MORTGAGE LOAN SYSTEM FILES

13.2.1 MORTGAGE LOAN FILE
13.2.2.MORTGAGE DESCRIPTION FILE
13.2.3 MORTGAGE ESCROW FILE

13.3 MORTGAGE LOAN ACTIVITY

13.3.1 NEW MORTGAGE
13.3.2 CHANGE MORTGAGE
13.3.3 TRANSACTIONS
13.3.4 ACTIVITY SUMMARY
13.3.5 CHANGE ACCRUAL DATE
13.3.6 CHANGE VARIABLE RATES

13.4 MORTGAGE LOAN REPORTS

13.4.1 TRANSACTION JOURNAL
13.4.2 TRIAL BALANCE
13.4.3 PARTICIPATION REGISTER
13.4.4 PAST DUE REPORT
13.4.5 PAID OUT REPORT
13.4.6 NEW MORTGAGE LOAN REPORT
13.4.7 ESCROW REPORTS
13.4.8 CALL REPORT
13.4.9 PRINT AMORTIZATION SCHEDULE
13.4.10 DELINQUENCY MANAGEMENT REPORT

13.5 MORTGAGE LOAN CUSTOMER NOTICES

13.5.1 ADVANCE MORTGAGE PAYMENT NOTICES
13.5.2 MORTGAGE LOAN LATE NOTICES
13.5.3 MORTGAGE LOAN DELINQUENCY NOTICES
13.5.4 AUTOMATIC MORTGAGE PAYMENT NOTICES
13.5.5 MORTGAGE LOAN PAYMENT COUPONS
13.5.6 MORTGAGE LOAN STATEMENTS

13.6 MORTGAGE LOAN FILE INQUIRIES

13.6.1 CUSTOMER/LOAN INQUIRY
13.6.2 DISPLAY MORTGAGE LOAN LEDGER
13.6.3 PRINT MORTGAGE LOAN LEDGER

13.7 MORTGAGE LOAN UTILITIES

13.7.1 DISPLAY FILE STATUS
13.7.2 COMPRESS FILE
13.7.3 EDIT MORTGAGE LOAN CONTROL RECORDS
13.7.4 CHANGE YEAR-TO-DATE MORTGAGE INTEREST
13.7.5 DELETE PAID MORTGAGES
13.7.6 PRINT AND PURGE MORTGAGE LOAN HISTORY
13.7.7 BUILD MORTGAGE LOAN LOOKUP FILE

SECTION 14 SAFE DEPOSIT BOX BILLING SYSTEM                                           Table of Contents   Index   Top

14.1 INTRODUCTION
14.2 SAFE DEPOSIT BOX FILE
14.3 SAFE DEPOSIT BOX ACTIVITY

14.3.1 NEW RENTAL
14.3.2 CHANGE SAFE DEPOSIT BOX RECORD
14.3.3 TRANSACTION
14.3.4 ACTIVITY SUMMARY
14.3.5 BOX SIZE SUMMARY
14.3.6 PRINT AND PURGE ACTIVITY
14.3.7 DELETE TERMINATED BOXES
14.3.8 REBUILD LOOKUP FILE

14.4 SAFE DEPOSIT BOX REPORTS

14.4.1 TRANSACTION JOURNAL
14.4.2 TRIAL BALANCE
14.4.3 KEY DEPOSIT REPORT
14.4.4 NEW RENTAL LIST
14.4.5 TERMINATED RENTAL LIST
14.4.6 SEALED BOX REPORT
14.4.7 DISCOUNTED BOX LIST
14.4.8 COMPLIMENTARY BOX LIST
14.4.9 AVAILABLE BOX LIST
14.4.10 REVENUE FORECAST
14.4.11 FILE CARDS


14.5 CUSTOMER NOTICES

14.5.1 BILLING
14.5.2 LATE NOTICES
14.5.3 RATE CHANGE NOTICES
14.5.4 MAILING LABELS


14.6 FILE INQUIRIES

14.6.1 CUSTOMER/BOX INQUIRY
14.6.2 DISPLAY LEDGER
14.6.3 PRINT LEDGER
14.6.4 BOX AVAILABILITY


14.7 UTILITIES

14.7.1 CONTROL RECORD MAINTENANCE
14.7.2 BANCADO UTILITIES
14.7.3 JUST ASK
14.7.4 CHANGE APPLICATIONS

SECTION 15 LINE OF CREDIT PROCEDURES                                                         Table of Contents   Index   Top

15.1 INTRODUCTION
15.2 CODING STRUCTURE

SECTION 16 BERNICE - THE BANCADO TOUCH-TONE TELEPHONE SYSTEM         Table of Contents   Index   Top

16.1 INTRODUCTION
16.2 HARDWARE INSTALLATION
16.3 SOFTWARE INSTALLATION
16.4 OPTION SETUP
16.5 COMMUNITY BULLETIN BOARD SETUP
16.6 MERCHANT INQUIRY SETUP
16.7 HIDDEN BANK MENU
16.8 RECORDING MESSAGES
            16.8.1 RECORDING MENUS, INSTRUCTIONS, AND ELEMENT DESCRIPTIONS
16.9 CONTROL PANEL
16.10 STANDARD BERNICE DISPLAY
16.11 GRAPHICAL USAGE DISPLAY
16.12 LAUNCHING BERNICE

SECTION 17 AUTOMATED CLEARING HOUSE (ACH)                                         Table of Contents   Index   Top

SECTION 18 OPTICAL DISK STORAGE AND RETRIEVAL SYSTEM                Table of Contents   Index   Top

SECTION 19 PAYROLL

SECTION 20 INDIVIDUAL RETIREMENT ACCOUNT SYSTEM                         Table of Contents   Index   Top

20.1 INTRODUCTION
20.2 INDIVIDUAL RETIREMENT ACCOUNT FILE
20.3 INDIVIDUAL RETIREMENT ACCOUNT ACTIVITY

20.3.1 NEW ACCOUNT
20.3.2 CHANGE ACCOUNT
20.3.3 TRANSACTIONS
20.3.4 ACTIVITY SUMMARY
20.3.5 CHANGE ACCRUAL DATE
20.3.6 YEAR-END MAINTENANCE
20.3.7 CHANGE VARIABLE RATES

20.4 INDIVIDUAL RETIREMENT ACCOUNT REPORTS

20.4.1 TRANSACTION JOURNAL
20.4.2 TRIAL BALANCE
20.4.3 CLOSED IRA REPORT
20.4.4 NEW IRA REPORT
20.4.5 CALL REPORT
20.4.6 FORECAST REPORT
20.4.7 CHECK REGISTER
20.4.8 EDIT LIST
20.4.9 INTEREST PAYMENT FORECAST REPORT
20.4.10 ADVANCE CHECK REGISTER
20.4.11 PRINTER CONTROL

 20.5 CUSTOMER NOTICES

20.5.1 NOTICES
20.5.2 1099'S
20.5.3 CHECKS
20.5.4 ADVANCE CHECKS

20.6 FILE INQUIRIES

20.6.1 CUSTOMER/IRA INQUIRY
20.6.2 DISPLAY CUSTOMER LEDGER
20.6.3 PRINT CUSTOMER LEDGER

20.7 UTILITIES

20.7.1 DISPLAY FILE STATUS
20.7.2 COMPRESS FILE
20.7.3 EDIT CONTROL RECORDS
20.7.4 CHANGE YTD INTEREST
20.7.5 CHANGE IRA DATES
20.7.6 PRINT AND PURGE OLD HISTORY
20.7.7 REBUILD LOOKUP FILE
20.7.8 DELETE CLOSED IRA’S 

Table of Contents   Index   Top