Form FR 3066a FR 3066a Depository and Financial Institution Payments Survey

FR 3066a
OMB No. 7100-0351
Approval expires December 31, 2015

The Federal Reserve
Payments Study
Survey Period: March 2013
Depository and Financial Institution Payments Survey
(DFIPS) includes:
 Check payments and deposits
 ACH, wire transfers, and other EFT
 Debit and prepaid cards
 Credit cards
 Cash withdrawals and deposits, including ATM
and remote currency management terminals
 Selected payment initiation channels
 Third-party payment fraud

>> Please respond by: Friday, May 10 <<
Response options:

Online
Institution ID: ******
Password: *****
Mail

Fax
Questions? Call us:

Phone

The Federal Reserve may not conduct or sponsor, and an organization (or a person) is not required to respond to, a collection of
information unless it displays a currently valid OMB control number.

2013 Depository and Financial Institution Payments Survey

Draft dated December 13, 2012

General Instructions
About the survey
The Federal Reserve Depository and Financial Institution Payments Survey is a national survey of depository and
financial institutions that offer transaction deposit accounts, prepaid card program accounts, and credit card accounts to
consumer, business, and government customers. The survey gathers data about noncash payments, cash withdrawals
and deposits that post to customer accounts, and third-party payment fraud that took place during March 2013. Data from
your response will contribute to estimates of the national aggregate number of payments and withdrawals made by these
transaction methods. The Federal Reserve will compare the results of this survey to those of similar surveys in 2001,
2004, 2007, and 2010.

Confidentiality
Any information you provide for this survey is strictly confidential. Individual responses to the survey will not be shared
with the public or the industry.

Your participation
Your response to this survey will be used to estimate national aggregate volumes. To achieve the most reliable results, it
is important that you respond completely and accurately. If your institution outsources payments processing to
another organization, please request the necessary data from that organization or provide them with the survey so they
may respond on your behalf.
Please leave no item blank.
There are three possible ways to answer a survey question that requests a numeric value:
Enter the amount: The actual numeric value of the data element.
Enter a zero: When the calculated amount actually equals zero or if the amount does not exist (i.e., your institution
does not have volume for the item requested). Please do not enter a non-numeric value, e.g., “NA” or “NR”.
Enter “NR” (not reported): If your institution has volume of the type being measured, but you do not know it, or
cannot accurately estimate the amount. Please do not enter “NA”.

Definitions and examples
Definitions and examples can be found in the glossary. Please visit www.paymentsstudy.com to download a PDF copy of
the glossary.

For definitions see Glossary or paymentsstudy.com

p.2

Response Date: May 10, 2013 

2013 Depository and Financial Institution Payments Survey

Draft dated December 13, 2012

Institution Profile
This is an enterprise-wide survey.
Throughout this survey instrument, “your institution” refers to the entire enterprise including all affiliates.
For accurate statistical estimation of national aggregate figures, we need to know which affiliates (listed below) were not
included in your responses to different parts of the survey. We also need to know if our records need to be updated to
include additional affiliates not listed.
Please contact us at xxx-xxx-xxxx if you have any questions or concerns about the items on this page.
1.

According to our records, the following affiliated institutions should be included in your
responses. For each affiliate listed, mark any sections where its data are not included in
your responses.





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







Selected Payment
Initiation Channels
Third-Party
Payment Fraud



Cash (Deposits,
Withdrawals, Terminals)



Credit Cards



Debit and Prepaid
Cards

State

Wire Transfers

City

ACH

Name

Approximate
total deposit
balances
(in millions of
dollars)*

Checks

Mark all sections where affiliate data are not
included





* Deposit information as of September 2012.

If you have included additional affiliates, please report them below. For example, if your institution acquired or merged
with an institution, or began to process combined volume during March 2013, please report data for the combined
enterprise as if the merger had already occurred before March 1, 2013.
2.

Please list any affiliates not identified above that are included in your responses.

For definitions see Glossary or paymentsstudy.com

ACH

Wire Transfers

Debit and Prepaid
Cards

Credit Cards

Cash (Deposits,
Withdrawals, Terminals)

City

Checks

Name

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



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

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State

p.3

Selected Payment
Initiation Channels
Third-Party
Payment Fraud

Mark all sections where affiliate data are not
included

Response Date: May 10, 2013 

2013 Depository and Financial Institution Payments Survey

Draft dated December 13, 2012

Institution Profile (cont.)
3.

Did your institution or any of its affiliates employ overnight
sweep accounts for consumer (i.e., retail) accounts in March
2013?





Yes
No
Don’t Know





Yes
No
Don’t Know

In order to make national estimates, we use your institution’s deposit balances as a
sizing measure. Understanding if your institution used a retail sweeps program will help
inform our estimates. In a retail sweep, depository institutions move unused funds from
checkable deposit accounts to special purpose MMDA subaccounts and return the
funds to checkable deposit accounts only as needed to cover payments. This practice
does not adversely impact the accountholder but allows the institution to reduce
nonearning assets.

4.

Did your institution provide card network acquiring services in
March 2013?
Answer Yes if your institution provided access to merchants or other accountholders
that receive payments over card networks.

Transaction deposit account-type definitions
Consumer account: A transaction deposit account for personal use by an individual or household from which payments are
commonly made. This includes checking accounts and NOW accounts. It excludes savings accounts and money market deposit
accounts, which, although eligible for a limited number of transactions per month, should not be included. Also exclude certificates
of deposit (CDs).
Business / government account: A transaction deposit account owned by an organization (i.e., business, government or not-forprofit) from which payments are commonly made. This includes small business accounts and commercial checking accounts – both
analyzed (i.e., those for which fees can be offset by balances via an earnings credit rate) and non-analyzed. It excludes savings
accounts and money market deposit accounts, which although eligible for a limited number of transactions per month, should not be
included. Also exclude certificates of deposit (CDs).

5.

Transaction deposit accounts (including
demand deposit accounts)

Include: Both consumer and business / government accounts.

Number of
Accounts

Value of
Deposits

as of March 31

as of March 31

Total = a + b

Do not include: Prepaid card program accounts, credit card
accounts, non-transaction accounts, accounts of foreign
governments and official institutions, or accounts of other
depository institutions.

a. Consumer
b. Business /
Government

Comments:

For definitions see Glossary or paymentsstudy.com

p.4

Response Date: May 10, 2013 

2013 Depository and Financial Institution Payments Survey

Draft dated December 13, 2012

Check Payments

Please do not round.

Note: If you have excluded data for any affiliate, please indicate this exclusion in item 1 of the Institution Profile section on page 3.
“Your institution” refers to the entire enterprise including all affiliates.

1.

Did your institution process checks for another depository
institution as part of a correspondent banking relationship in
March 2013?





Yes
No (Please report “0” for items
2a.2, 7a.2, and 7b.2 below.)
Don’t Know

As a “correspondent bank,” your institution holds balances for another depository
institution in a due-to account and performs check clearing services on its behalf.
Note: If your answer to this question is No, please report “0” for items 2a.2, 7a.2, and 7b.2
below.

2.

All checks drawn on your institution = 2a + 2b

March

Include: All checks (and / or “share drafts”) drawn on your institution. Include items 2a and
2b below. Include controlled disbursement checks, if applicable. Include checks your
institution subsequently returns unpaid (i.e., outgoing returns).
Do not include: Checks drawn on other institutions (i.e., transit checks). Exclude non-check
documents, such as deposit slips, G/L tickets, etc., if possible.

2a.

Number
Value ($)

Checks drawn on your institution for which another
institution was the “bank of first deposit” = 2a.1 + 2a.2

Include: Checks drawn on your institution for which another institution was the “bank
of first deposit.” Include inclearings (item 2a.1 below) and “on-us” checks deposited
by correspondent customers (item 2a.2 below). Include checks received via
clearinghouses, image exchange networks, or the Fed, or in direct presentment for
same-day settlement. Include controlled disbursement checks if applicable.

March
Number
Value ($)

Do not include: Checks for which your institution was the “bank of first deposit” or
checks drawn on other institutions. Exclude non-check documents if possible.
Note: This is a subset of item 2 above. Do not double-count electronic check
presentment (ECP) items with paper to follow.

2a.1. Inclearings

March

Include: Checks drawn on your institution for which another institution was the
“bank of first deposit” and which your institution did not receive in a deposit
for correspondent processing.

Number

Do not include: “On-us” checks deposited by correspondent customers (item
2a.2 below) or “on-us” checks for which your institution was the “bank of first
deposit” (item 2b below).

Value ($)

Note: This is a subset of item 2a above.

2a.2. “On-us” checks deposited by correspondent
customers

March

Include: Checks drawn on your institution that it received in a deposit from
another institution for correspondent processing.
Do not include: Inclearings (item 2a.1 above) or “on-us” checks for which your
institution was the “bank of first deposit” (item 2b below).

Number
Value ($)

Note: This is a subset of item 2a above. These checks were deposited into
due-to accounts held at your institution. If you answered No to item 1 above,
please report “0” here.

For definitions see Glossary or paymentsstudy.com

p.5

Response Date: May 10, 2013 

2013 Depository and Financial Institution Payments Survey

Draft dated December 13, 2012

Check Payments (cont.)

Please do not round.

Note: If you have excluded data for any affiliate, please indicate this exclusion in item 1 of the Institution Profile section on page 3.
“Your institution” refers to the entire enterprise including all affiliates.

2b.

“On-us” checks for which your institution was the “bank of
first deposit”

March

Include: All checks drawn on your institution for which your institution was the “bank of
first deposit.” This includes checks cleared between your institutions’ affiliates.
These checks can be received from any of several deposit channels (see Glossary).
Include controlled disbursement checks if applicable.

Number
Value ($)

Do not include: Any checks drawn on another institution. In particular, exclude
checks deposited at your institution and sent to another institution for collection. Do
not include inclearings (item 2a.1 above) or “on-us” correspondent deposits (item
2a.2 above). Exclude non-check documents if possible.
Note: This is a subset of item 2 above. If your institution truncated checks at the teller
line, please include them in this volume.

3.

Were you able to exclude non-check documents from the
volumes reported in items 2a and 2b above?
Non-check documents are “other” items processed on check sorters (e.g., batch
headers, general ledger tickets, cash-in or cash-out tickets, deposit tickets, etc.).

4.

Did you include checks deposited at one affiliate of your
institution but drawn on another affiliate of your institution in
2b rather than 2a?





Yes
No
Don’t Know





Yes
No
Don’t Know





Yes
No
Don’t Know

Some institutions call this “on-we” volume, which should be reported entirely under item
2b if possible.

5.

Did your institution outsource check processing to another
organization (i.e., its “processor”) in March 2013?

Comments:

For definitions see Glossary or paymentsstudy.com

p.6

Response Date: May 10, 2013 

2013 Depository and Financial Institution Payments Survey

Draft dated December 13, 2012

Check Deposits

Please do not round.

Note: If you have excluded data for any affiliate, please indicate this exclusion in item 1 of the Institution Profile section on page 3.
“Your institution” refers to the entire enterprise including all affiliates.

6.

Did your institution accept image deposits from accountholders using any of these methods
in March 2013?
6a.

Remote scanner attached to a PC or point-of-sale (POS)
device





Yes
No
Don’t Know

6b.

Smartphone or other mobile device





Yes
No
Don’t Know

6c.

ATM image capture (envelope-free deposits)





Yes
No
Don’t Know

.

7.

March

Deposited checks = 7a + 7b

Include: All checks deposited at your institution. This includes checks that were drawn on
your institution (i.e., “on-us” checks for which your institution was the “bank of first deposit,”
item 2b above, and “on-us” checks deposited by correspondent customers, item 2a.2
above) and checks drawn on other depository institutions (i.e., transit checks). These
checks can be received from any of several deposit channels (see Glossary).

Number
Value ($)

Note: Allocate your response to item 7 to image check deposits (item 7a below) and paper
check deposits (item 7b below). The volumes you report in this section were not
necessarily payments by your accountholders. If your institution performed branch or ATM
capture, please report these volumes under item 7b.

7a.

Image check deposits = 7a.1 + 7a.2

March

Include: Checks deposited by means of the accountholder’s capturing and transmitting
an image of each check for deposit. The paper check was truncated by the
accountholder at the point of capture / deposit.
Do not include: ACH check conversion entries, paper check deposits, deposited
checks for which your institution performed image capture at a branch, ATM, or
other processing center.

Number
Value ($)

Note: This is a subset of item 7 above.

For definitions see Glossary or paymentsstudy.com

p.7

Response Date: May 10, 2013 

2013 Depository and Financial Institution Payments Survey

Draft dated December 13, 2012

Check Deposits (cont.)

Please do not round.

Note: If you have excluded data for any affiliate, please indicate this exclusion in item 1 of the Institution Profile section on page 3.
“Your institution” refers to the entire enterprise including all affiliates.

7a.1. Checks deposited via client image capture
= 7a.1.1 + 7a.1.2

March

Include: Checks deposited by consumer accountholders (item 7a.1.1 below)
and business / government accountholders (item 7a.1.2 below) by means of
the accountholder’s capturing and transmitting an image of each check for
deposit. The paper check was truncated by the accountholder at the point of
capture / deposit.

Number
Value ($)

Do not include: ACH check conversion entries, paper check deposits,
deposited checks for which your institution performed image capture at a
branch, ATM, or other processing center, or checks deposited by
correspondent customers.
Note: This is a subset of item 7a above.

7a.1.1. Checks deposited by consumer
accountholders via client image
capture = 7a.1.1.1 + 7a.1.1.2

March

Include: Checks deposited by consumer accountholders by means of
the accountholder’s capturing and transmitting an image of each
check for deposit (e.g., with a mobile device). The paper check was
truncated by the accountholder at the point of capture / deposit.
Do not include: ACH check conversion entries, paper check deposits,
deposited checks for which your institution performed image capture
at a branch, ATM, or other processing center, or checks deposited
by correspondent customers.

Number
Value ($)

Note: This is a subset of item 7a.1 above.

7a.1.1.1. Checks deposited by
consumer accountholders
using a mobile device

March

Include: Checks deposited by consumer accountholders by
means of the accountholder’s capturing and transmitting
an image of each check for deposit using a mobile
device (e.g., smartphone, tablet). The paper check was
truncated by the accountholder at the point of capture /
deposit.

Number
Value ($)

Do not include: ACH check conversion entries, paper
check deposits, deposited checks for which your
institution performed image capture at a branch, ATM, or
other processing center, or checks deposited by
correspondent customers.
Note: This is a subset of item 7a.1.1 above.

For definitions see Glossary or paymentsstudy.com

p.8

Response Date: May 10, 2013 

2013 Depository and Financial Institution Payments Survey

Draft dated December 13, 2012

Check Deposits (cont.)

Please do not round.

Note: If you have excluded data for any affiliate, please indicate this exclusion in item 1 of the Institution Profile section on page 3.
“Your institution” refers to the entire enterprise including all affiliates.

7a.1.1.2. All other checks
deposited by consumers
via client image capture

March

Include: All other checks deposited by consumer
accountholders by means of the accountholder’s
capturing and transmitting an image of each check for
deposit. The paper check was truncated by the
accountholder at the point of capture / deposit.

Number
Value ($)

Do not include: Checks deposited by accountholders
using a mobile device (e.g., smartphone, tablet), ACH
check conversion entries, paper check deposits,
deposited checks for which your institution performed
image capture at a branch, ATM, or other processing
center, or checks deposited by correspondent
customers.
Note: This is a subset of item 7a.1.1 above.

7a.1.2. Checks deposited by business / government
accountholders via client image capture
Include: Checks deposited by business / government accountholders
by means of the accountholder’s capturing and transmitting an
image of each check for deposit (e.g., at the point of sale or in the
back office). The paper check was truncated by the accountholder
at the point of capture / deposit.

March
Number
Value ($)

Do not include: ACH check conversion entries, paper check deposits,
deposited checks for which your institution performed image capture
at a branch, ATM, or other processing center, or checks deposited
by correspondent customers.
Note: This is a subset of item 7a.1 above.

7a.2. Correspondent checks deposited via
image capture / cash letter

March

Include: Checks deposited by a correspondent customer (i.e., a depository
institution) by means of the accountholder’s capturing and transmitting an
image of each check for deposit. The paper check was truncated by the
accountholder at the point of capture / deposit.
Do not include: ACH check conversion entries, paper check deposits, or
deposits made by consumer or business / government accountholders.

Number
Value ($)

Note: This is a subset of item 7a above. If you answered No to item 1 above,
please report “0” here.

For definitions see Glossary or paymentsstudy.com

p.9

Response Date: May 10, 2013 

2013 Depository and Financial Institution Payments Survey

Draft dated December 13, 2012

Check Deposits (cont.)

Please do not round.

Note: If you have excluded data for any affiliate, please indicate this exclusion in item 1 of the Institution Profile section on page 3.
“Your institution” refers to the entire enterprise including all affiliates.

7b.

March

Paper check deposits = 7b.1 + 7b.2

Include: Paper checks deposited at your institution. These checks can be received
from several deposit channels (e.g., branch, lockbox, etc.). Include deposited
checks for which your institution performed image capture at a branch, ATM, or
other location.
Do not include: ACH check conversion entries or checks deposited as images.

Number
Value ($)

Note: This is a subset of item 7 above.

7b.1. Paper checks deposited by consumer or
business / government accountholders

March

Include: Paper checks deposited by accountholders (other than correspondent
customers). These checks can be received from several deposit channels
(e.g., branch, lockbox, etc.).

Number

Do not include: ACH check conversion entries, checks deposited as images, or
checks deposited by correspondent customers.

Value ($)

Note: This is a subset of item 7b above.

7b.2. Correspondent checks deposited via paper
check / cash letter

March

Include: Paper checks deposited by a correspondent customer (i.e., a
depository institution).
Do not include: ACH check conversion entries, checks deposited as images, or
checks deposited by consumer or business / government accountholders.

Number
Value ($)

Note: This is a subset of item 7b above. If you answered No to item 1 above,
please report “0” here.

Comments:

For definitions see Glossary or paymentsstudy.com

p.10

Response Date: May 10, 2013 

2013 Depository and Financial Institution Payments Survey

Draft dated December 13, 2012

Outgoing Check Returns

Please do not round.

Note: If you have excluded data for any affiliate, please indicate this exclusion in item 1 of the Institution Profile section on page 3.
“Your institution” refers to the entire enterprise including all affiliates.

8.

Outgoing returned checks = 8a + 8b

March

Include: All checks drawn on your institution that it returned unpaid, whether to another
institution (item 8a below) or to your own accountholders (item 8b below).

Number

Do not include: Checks drawn on another institution returned to your institution unpaid.

Value ($)
8a.

Checks your institution returned unpaid to the collecting
institution = 8a.1 + 8a.2

Include: Checks drawn on your institution for which another institution is the “bank of
first deposit” (item 2a above) that your institution returned unpaid. These checks
were drawn on your institution but were returned to another institution unpaid.
Note: This is a subset of item 8 above.

March
Number
Value ($)

8a.1. Outgoing paper returns

March

Include: Checks drawn on your institution for which another institution was the
“bank of first deposit” (item 2a above) that your institution returned unpaid
and sent as original paper or substitute check / IRD to your institution’s
clearing agent or the collecting institution.
Note: This is a subset of item 8a above.

Number
Value ($)

8a.2. Outgoing image returns

March

Include: Checks drawn on your institution for which another institution was the
“bank of first deposit” (item 2a above) that your institution returned unpaid
and sent electronically to your institution’s clearing agent or the collecting
institution.
Note: This is a subset of item 8a above.

8b.

Number
Value ($)

“On-us” checks your institution returned unpaid to
depositors

March

Include: All “on-us” checks for which your institution was the “bank of first deposit”
(item 2b above) that it returned unpaid. These are a subset of items charged back
to depositing accountholders. Some institutions call these “chargebacks.”

Number

Do not include: Checks that your institution returned to another institution or checks
drawn on another institution returned to your institution unpaid.

Value ($)

Note: This is a subset of item 8 above.

Comments:

For definitions see Glossary or paymentsstudy.com

p.11

Response Date: May 10, 2013 

2013 Depository and Financial Institution Payments Survey

Draft dated December 13, 2012

ACH
Note: If you have excluded data for any affiliate, please indicate this exclusion in item 1 of the Institution Profile section on page 3.
“Your institution” refers to the entire enterprise including all affiliates.

1.

Did your institution originate ACH credits in March 2013?





2.

3.

Did your institution receive ACH debits in March 2013?



Yes
No (Please report “0” for items
10, 12, and 14 below.)
Don’t Know





Yes
No
Don’t Know




Did your institution originate ACH entries on behalf of another
depository institution in March 2013?

Yes
No (Please report “0” for items 8,
11, and 13 below.)
Don’t Know

Introduction: Offset ACH entries are on-us entries used to effect settlement by an ODFI. For example, when acting as ODFI for one
hundred $1,000 credit entries for a corporate accountholder, an ODFI might originate a single $100,000 debit entry to draw funds
from the originator’s funding account. In cases when the offset entry is included in the file originated by the accountholder, such
that the debit entry equals the total value of credit entries in the file, the ODFI receives a “balanced file” from the originator.
Note: See Glossary for definitions of ODFI (Originating Depository Financial Institution) and RDFI (Receiving Depository Financial
Institution).

4.

As an ODFI, did your institution receive balanced files from
business / government accountholders that originated ACH files
in March 2013?

5.

6.





Yes
No
Don’t Know

As an ODFI, did your institution receive unbalanced files from
business / government accountholders that originated ACH files
in March 2013?





Yes
No
Don’t Know

As an ODFI, how did your institution internally “settle” ACH
transactions so that funds are debited or credited to the
correct accounts in March 2013? (Check all that apply)




Originated offset entries
Used another internal funds
transfer method (e.g., book
transfer)
Don’t Know



Comments:

For definitions see Glossary or paymentsstudy.com

p.12

Response Date: May 10, 2013 

2013 Depository and Financial Institution Payments Survey

Draft dated December 13, 2012

Network ACH Entries

Please do not round.

Note: If you have excluded data for any affiliate, please indicate this exclusion in item 1 of the Institution Profile section on page 3.
“Your institution” refers to the entire enterprise including all affiliates.

Network ACH entries
A network ACH entry is one that is cleared through a network operator (i.e., the Fed or EPN). This does not include ACH entries
cleared directly between your institution and another (i.e., direct exchange ACH entries). Please consider all network ACH entries that
result in payments from accounts at your institution, including those for which your institution is both the ODFI and RDFI (i.e., network
on-us ACH entries).
Note: See Glossary for definitions of ODFI (Originating Depository Financial Institution) and RDFI (Receiving Depository Financial
Institution).
SEC codes to include: ARC, BOC, CCD, CIE, CTX, IAT, POP, POS, PPD, RCK, SHR, TEL, TRC, WEB, XCK
SEC codes to exclude: ACK, ADV, ATX, COR, DNE, ENR, MTE, RET, TRX

7.

Did your institution originate network on-us ACH credit entries
in March 2013?
These are credit entries for which your institution was both the ODFI and RDFI for the
purpose of moving funds from one account to another at your institution that it
originated through the Fed or EPN. If applicable, these entries should be reported in
item 8 below.

8.





Yes
No
Don’t Know

ACH credits your institution originated through the Fed or EPN
= 8a + 8b

Include: All network ACH credit entries for which your institution was the ODFI. Include
returns. Include network on-us credit entries for which your institution was both the ODFI
and RDFI. Include all network offset ACH credit entries originated. See above for
definition of “network” entry. If you answered No to item 1 above, please report “0” here.
Do not include: ACH entries received from other institutions; debits originated; direct
exchange entries, such as ACH credits your institution originated directly to another
institution (item 11 below); in-house on-us entries, such as in-house on-us credits your
institution originated (item 13 below); addenda records; or zero-dollar entries.

8a.

March
Number
Value ($)

March

Offset ACH credit entries originated

Note: This is a subset of item 8 above. See Glossary for an example of offset entries. If
you answered No to item 1 above, please report “0” here.

Number
Value ($)

8b.

Other ACH credit entries originated

March

Include: All network ACH credit entries originated that were not offset entries. If you
answered No to item 1 above, please report “0” here.
Note: This is a subset of item 8 above.

For definitions see Glossary or paymentsstudy.com

Number
Value ($)

p.13

Response Date: May 10, 2013 

2013 Depository and Financial Institution Payments Survey

Draft dated December 13, 2012

Network ACH Entries (cont.)

Please do not round.

Note: If you have excluded data for any affiliate, please indicate this exclusion in item 1 of the Institution Profile section on page 3.
“Your institution” refers to the entire enterprise including all affiliates.

9.

Did your institution originate network on-us ACH debit entries
in March 2013?
These are debit entries for which your institution was both the ODFI and RDFI for the
purpose of moving funds from one account to another at your institution that it
originated through the Fed or EPN. If applicable, these entries should be reported in
item 10 below.

10.





Yes
No
Don’t Know

ACH debits your institution received through the Fed or EPN
= 10a + 10b

Include: All network ACH debit entries for which your institution was the RDFI. Include
returns. Include network on-us debit entries for which your institution was both the ODFI
and RDFI. Include all network offset ACH debit entries received. See previous page for
definition of “Network” entry. If you answered No to item 2 above, please report “0” here.
Do not include: ACH entries sent to other institutions; credits received; Direct Exchange
Entries, such as ACH debits your institution received directly from another institution (item
12 below); in-house on-us entries, such as in-house debits your institution originated (item
14 below); addenda records; or zero-dollar entries.

March
Number
Value ($)

March

10a. Offset ACH debit entries received
Note: This is a subset of item 10 above. See Glossary for an example of offset entries.
If you answered No to item 2 above, please report “0” here.

Number
Value ($)

10b. Other ACH debit entries received

March

Include: All network ACH debit entries received that were not offset entries. If you
answered No to item 2 above, please report “0” here.
Note: This is a subset of item 10 above.

Number
Value ($)

Comments:

For definitions see Glossary or paymentsstudy.com

p.14

Response Date: May 10, 2013 

2013 Depository and Financial Institution Payments Survey

Draft dated December 13, 2012

Direct Exchange ACH Entries

Please do not round.

Note: If you have excluded data for any affiliate, please indicate this exclusion in item 1 of the Institution Profile section on page 3.
“Your institution” refers to the entire enterprise including all affiliates.

Direct exchange ACH entries
A Direct Exchange ACH entry is one that was exchanged directly between your institution and another. Some institutions call these
“Direct Send” entries. Please consider all Direct Exchange ACH entries that resulted in payments from accounts at your institution.
Note: See Glossary for definitions of ODFI (Originating Depository Financial Institution) and RDFI (Receiving Depository Financial
Institution).
SEC codes to include: ARC, BOC, CCD, CIE, CTX, IAT, POP, POS, PPD, RCK, SHR, TEL, TRC, WEB, XCK
SEC codes to exclude: ACK, ADV, ATX, COR, DNE, ENR, MTE, RET, TRX

11.

ACH credits your institution originated directly to another
institution

Include: All direct exchange ACH credit entries for which your institution was the ODFI.
Include returns. See above for definition of “direct exchange” entry. If you answered
No to item 1 above, please report “0” here.
Do not include: ACH entries received from other institutions; debits originated; network
entries originated, such as ACH credits your institution originated through the Fed or EPN
(item 8 above); in-house on-us entries, such as in-house on-us credits your institution
originated (item 13 below); addenda records; or zero-dollar entries.

12.

March
Number
Value ($)

ACH debits your institution received directly from another
institution

Include: All direct exchange ACH debit entries for which your institution was the RDFI.
Include returns. See above for definition of “direct exchange” entry. If you answered No to
item 2 above, please report “0” here.
Do not include: ACH entries sent to other institutions; credits received; network entries
received, such as ACH debits your institution received through the Fed or EPN (item 10
above); in-house on-us entries, such as in-house on-us debits your institution originated
(item 14 below); addenda records; or zero-dollar entries.

March
Number
Value ($)

Comments:

For definitions see Glossary or paymentsstudy.com

p.15

Response Date: May 10, 2013 

2013 Depository and Financial Institution Payments Survey

Draft dated December 13, 2012

In-House On-Us ACH Entries

Please do not round.

Note: If you have excluded data for any affiliate, please indicate this exclusion in item 1 of the Institution Profile section on page 3.
“Your institution” refers to the entire enterprise including all affiliates.

In-house on-us ACH entries (cleared within your institution and not through the Fed or EPN)
An in-house on-us ACH entry is one for which your institution was both the ODFI and the RDFI without the use of a network, such as
the Fed or EPN, for clearing or settlement. On-us entries result in the movement of funds from one account to another within your
institution.
Note: See Glossary for definitions of ODFI (Originating Depository Financial Institution) and RDFI (Receiving Depository Financial
Institution).
SEC codes to include: ARC, BOC, CCD, CIE, CTX, IAT, POP, POS, PPD, RCK, SHR, TEL, TRC, WEB, XCK
SEC codes to exclude: ACK, ADV, ATX, COR, DNE, ENR, MTE, RET, TRX

13.

In-house on-us credits your institution originated = 13a + 13b

Include: All ACH credit entries not cleared through the Fed or EPN for which your institution
was both the ODFI and RDFI for the purpose of moving funds from one account to another
at your institution. Include in-house on-us offset ACH credit entries originated. If you
answered No to item 1 above, please report “0” here.
Do not include: ACH entries sent to or received from other institutions, in-house on-us debits
your institution originated (item 14 below), addenda records, or zero-dollar entries. If
possible, exclude offset entries or entries used to post non-ACH payments to your DDA
system using the ACH platform.

March
Number
Value ($)

March

13a. Offset ACH credit entries (in-house on-us)
Note: This is a subset of item 13 above. See Glossary for an example of offset entries.
If you answered No to item 1 above, please report “0” here.

Number
Value ($)

13b. Other ACH credit entries (in-house on-us)

March

Include: All in-house on-us ACH Credit entries that were not offset entries. If you
answered No to item 1 above, please report “0” here.
Note: This is a subset of item 13 above.

For definitions see Glossary or paymentsstudy.com

Number
Value ($)

p.16

Response Date: May 10, 2013 

2013 Depository and Financial Institution Payments Survey

Draft dated December 13, 2012

In-House On-Us ACH Entries (cont.)

Please do not round.

Note: If you have excluded data for any affiliate, please indicate this exclusion in item 1 of the Institution Profile section on page 3.
“Your institution” refers to the entire enterprise including all affiliates.

14.

In-house on-us debits your institution originated = 14a + 14b

Include: All ACH debit entries not cleared through the Fed or EPN for which your institution
was both the ODFI and RDFI for the purpose of moving funds from one account to another
at your institution. Include in-house on-us offset ACH debit entries originated. If you
answered No to item 2 above, please report “0” here.
Do not include: ACH entries sent to or received from other institutions, in-house on-us
credits your institution originated (item 13 above), addenda records, or zero-dollar entries.
If possible, exclude offset entries or entries used to post non-ACH payments to your DDA
system using the ACH platform.

March
Number
Value ($)

March

14a. Offset ACH debit entries (in-house on-us)
Note: This is a subset of item 14 above. See Glossary for an example of offset entries.
If you answered No to item 2 above, please report “0” here.

Number
Value ($)

14b. Other ACH debit entries (in-house on-us)

March

Include: All in-house on-us ACH Debit entries that were not offset entries. If you
answered No to item 2 above, please report “0” here.
Note: This is a subset of item 14 above.

Number
Value ($)

Comments:

For definitions see Glossary or paymentsstudy.com

p.17

Response Date: May 10, 2013 

2013 Depository and Financial Institution Payments Survey

Draft dated December 13, 2012

Wire Transfers

Please do not round.

Note: If you have excluded data for any affiliate, please indicate this exclusion in item 1 of the Institution Profile section on page 3.
“Your institution” refers to the entire enterprise including all affiliates.

Wire transfers
Include: Funds transfers using the large-value systems (Fedwire and CHIPS). Include payments for your accountholders submitted
and settled through these systems directly or through a correspondent.
Do not include: Wire transfers your institution processes for another depository institution (i.e., respondent volume).

1. Wire transfer originations = 1a + 1b

March

Include: All wire transfers originated for your institution’s consumer accountholders (item 1a
below) and all other wire transfers (item 1b) including settlement / bank business transfers
and all other business /government transfers.
Do not include: Wire transfers for another depository institution.

1a.

Value ($)

Consumer transfers

March

Include: All wire transfers originated for your institution’s consumer accountholders.
Do not include: Business / government wire transfers.
Note: This is a subset of item 1 above.

1b.

Number

Number
Value ($)

All other transfers = 1b.1 + 1b.2

March

Include: Wire transfers originated for your institution’s business / government
accountholders (including non-depository financial institutions).

Number

Do not include: Consumer wire transfers.

Value ($)

Note: This is a subset of item 1 above.

1b.1. Settlement / bank business transfers

March

Include: All wire transfers originated for the purpose of settling your institution’s
position with a non-depository financial institution or within your own institution or
paying one of your institution’s vendors.
Do not include: Consumer wire transfers or all other business / government
transfers.

Number
Value ($)

Note: This is a subset of item 1b above.

March

1b.2. All other business / government transfers
Include: All other wire transfers originated for your institution’s business /
government accountholders.
Do not include: Consumer wire transfers or settlement / bank business transfers.
Note: This is a subset of item 1b above.

For definitions see Glossary or paymentsstudy.com

p.18

Number
Value ($)

Response Date: May 10, 2013 

2013 Depository and Financial Institution Payments Survey

Draft dated December 13, 2012

Wire Transfers (cont.)

Please do not round.

Note: If you have excluded data for any affiliate, please indicate this exclusion in item 1 of the Institution Profile section on page 3.
“Your institution” refers to the entire enterprise including all affiliates.

2. Wire transfer originations (1) = 2a + 2b

March

Note: Allocate your response to item 1 above according to whether wire transfers were
received into U.S.-domiciled accounts (item 2a below) or foreign accounts (item 2b below).

Number

1:

Value ($)

1:

Please reenter data from item 1 above ►

2a.

Domestic (U.S.) payee

March

Include: All wire transfers originated for your institution’s accountholders that were sent
to another U.S.-domiciled account.
Do not include: Foreign wire transfers.

Value ($)

Note: This is a subset of item 2 above.

2b.

Number

Foreign payee = 2b.1 + 2b.2

March

Include: All wire transfers originated for your institution’s accountholders that were sent
to an account outside the U.S.

Number

Do not include: Domestic wire transfers.

Value ($)

Note: This is a subset of item 2 above.

2b.1. Consumer originated foreign transfers

March

Include: All wire transfers originated for your institution’s consumer
accountholders that were sent to an account outside the U.S.

Number

Do not include: Domestic wire transfers or all other business / government
transfers.

Value ($)

Note: This is a subset of item 2b above.

March

2b.2. All other foreign transfers
Include: All other wire transfers originated for your institution’s accountholders that
were sent to an account outside the U.S.

Number

Do not include: Domestic or consumer wire transfers

Value ($)

Note: This is a subset of item 2b above.

For definitions see Glossary or paymentsstudy.com

p.19

Response Date: May 10, 2013 

2013 Depository and Financial Institution Payments Survey

Draft dated December 13, 2012

Debit and Prepaid Cards

Please do not round.

Note: If you have excluded data for any affiliate, please indicate this exclusion in item 1 of the Institution Profile section on page 3.
“Your institution” refers to the entire enterprise including all affiliates.

Account-type definitions
Consumer account: A transaction deposit account for personal use by an individual or household from which payments are
commonly made. This includes checking accounts and NOW accounts. It excludes savings accounts and money market deposit
accounts, which, although eligible for a limited number of transactions per month, should not be included. Also exclude certificates
of deposit (CDs).
Business / government account: A transaction deposit account owned by an organization (i.e., business, government or not-forprofit) from which payments are commonly made. This includes small business accounts and commercial checking accounts – both
analyzed (i.e., those for which fees can be offset by balances via an earnings credit rate) and non-analyzed. It excludes savings
accounts and money market deposit accounts, which although eligible for a limited number of transactions per month, should not be
included. Also exclude certificates of deposit (CDs).

1.

Did your institution issue debit cards for transaction deposit
accounts in March 2013?




Include: Cards issued by your institution or managed by a third-party for which your institution
was the issuer and that route transactions over a general-use debit card network. Include
debit cards and ATM cards (not including prepaid cards) that can be used to make
purchases at the point of sale.



Yes
No (Please report “0” for items 2,
7a and 8a below.)
Don’t Know

Do not include: ATM-only cards that cannot be used to make purchases at the point of sale,
prepaid cards, or credit cards.
Note: If your answer to this question is No, please report “0” for items 2, 7a and 8a below.

2.

Number of debit cards

Include: Debit cards and ATM cards (not including prepaid cards)
that can be used at the point of sale that were issued by your
institution, draw on the transaction deposit accounts reported in
item 5 on page 4 in the Institution Profile section, and in force
during the period.
For cards in force report only debit cards that have been
issued by your institution, activated by your accountholder, and
have not expired as of March 31.

In Force

With
Purchase
Activity

Chip
Enabled

as of
March 31

during
March

as of
March 31

Total = a + b
a. Consumer
b. Business /
Government

For cards with purchase activity, report only debit cards
that had point-of-sale (POS) and / or bill pay activity during
March. Do not include cards that were only used to withdraw
cash.
For chip enabled cards, report only debit cards with chip
technology (e.g., EMV or RFID chip-enabled cards or other
form factors) as of March 31.
Do not include: ATM-only cards that cannot be used to make
purchases at the point of sale, prepaid cards, or credit cards.
Note: If you answered No to item 1 above, please report “0” here.

For definitions see Glossary or paymentsstudy.com

p.20

Response Date: May 10, 2013 

2013 Depository and Financial Institution Payments Survey

Draft dated December 13, 2012

Debit and Prepaid Cards (cont.)

Please do not round.

Note: If you have excluded data for any affiliate, please indicate this exclusion in item 1 of the Institution Profile section on page 3.
“Your institution” refers to the entire enterprise including all affiliates.

3.

Did your institution issue prepaid cards in March 2013?

Include: Cards issued for prepaid card programs managed by your institution or managed by
a third party for which your institution was the issuer and that route transactions over a
general-use debit card network. Include general-purpose prepaid, gift, payroll or electronic
benefit transfer (EBT) cards.





Yes
No (Please report “0” for items 4,
5, 7b and 8b below.)
Don’t Know

Do not include: Debit cards, closed-loop prepaid cards or credit cards. See Glossary for
definition of closed-loop.
Note: If your answer to this question is No, please report “0” for items 4, 5, 7b and 8b below.

4.

Prepaid card program accounts

Include: Accounts for both reloadable and non-reloadable prepaid
cards for which your institution was the issuer. Include generalpurpose prepaid, gift, payroll or electronic benefit transfer (EBT)
cards. Allocate between accounts in card programs managed by
your institution and accounts managed by a third party. If you
answered No to item 0 above, please report “0” here.

Total = a + b

Do not include: Debit cards, ATM-only cards, closed-loop prepaid
cards, or credit cards.

b. Managed by a
third party

Number of
Accounts

Funds
Outstanding

as of March 31

as of March 31

a. Managed by
your institution

Note: See Glossary for examples of prepaid card program
accounts that were managed by your institution versus
prepaid card program accounts that were managed by a third
party.

5.

Number of prepaid cards

Include: Prepaid cards that can be used at the point of sale that
were issued by your institution, draw on prepaid card program
accounts listed in item 4 above, and in force during the
period.
For cards in force report only prepaid cards that have been
issued by your institution, activated by your accountholder,
and have not expired as of March 31.
For cards with purchase activity, please report only
prepaid cards that had point-of-sale (POS) and / or bill pay
activity during March. Do not include cards that were only
used to withdraw cash.

In Force

With
Purchase
Activity

Chip
Enabled

as of
March 31

during
March

as of
March 31

Total = a + b
a. Managed by
your institution
b. Managed by a
third party

For chip enabled cards, please report only prepaid cards
with chip technology (e.g., EMV or RFID chip-enabled cards
or other form factors) as of March 31.
Do not include: ATM-only cards, debit cards, closed-loop
prepaid cards, or credit cards.
Note: If you answered No to item 0 above, please report “0”
here.

For definitions see Glossary or paymentsstudy.com

p.21

Response Date: May 10, 2013 

2013 Depository and Financial Institution Payments Survey

Draft dated December 13, 2012

Debit and Prepaid Cards (cont.)

Please do not round.

Note: If you have excluded data for any affiliate, please indicate this exclusion in item 1 of the Institution Profile section on page 3.
“Your institution” refers to the entire enterprise including all affiliates.

6.

Total debit and prepaid card transactions = 6a + 6b

March

Include: All transactions over any debit card network for which your institution was the issuer.
All point-of-sale (POS) or bill pay transactions made by debit and prepaid cards processed
over either signature payment card networks (item 6a below) or PIN payment card
networks (item 6b below). Include both consumer and business / government card
transactions. Include cash back at the point of sale.

Number
Value ($)

Do not include: ATM withdrawals or credit card transactions.

6a.

Signature (dual-message) transactions

March

Include: All debit and prepaid card transactions that were processed over a signature
(dual-message) payment card network (Visa, MasterCard, American Express, or
Discover).

Number

Do not include: ATM withdrawals, PIN (single-message) transactions, or credit card
transactions.

Value ($)

Note: This is a subset of item 0 above.

6b.

PIN (single-message) transactions

March

Include: All debit and prepaid card transactions that were processed over a PIN
(single-message) payment card network. Also include “PIN-less” transactions for bill
pay transactions that are cleared and settled through a regional EFT network.
Do not include: ATM withdrawals, signature (dual message) transactions, or credit
card transactions.

Number
Value ($)

Note: This is a subset of item 0 above.

7.

Total debit and prepaid card transactions (0) = 7a + 7b

March

Note: Allocate your response to item 0 above between debit card transactions from regular
transaction deposit accounts (item 7a below) and prepaid card transactions (item 7b
below).
Do not include: ATM withdrawals or credit card transactions.

Number

0:

Value ($)

0:

Please reenter data from item 0 above ►

7a.

Debit card transactions from transaction deposit accounts
= 0 + 7a.2

Include: All debit card transactions for which your institution was the card issuer and
where funds were debited from a regular transaction deposit account. Include
transactions over any debit card network. If you answered No to item 1 above,
please report “0” here.
Do not include: ATM withdrawals, prepaid card transactions, or credit card
transactions.

March
Number
Value ($)

Note: This is a subset of item 7 above.

For definitions see Glossary or paymentsstudy.com

p.22

Response Date: May 10, 2013 

2013 Depository and Financial Institution Payments Survey

Draft dated December 13, 2012

Debit and Prepaid Cards (cont.)

Please do not round.

Note: If you have excluded data for any affiliate, please indicate this exclusion in item 1 of the Institution Profile section on page 3.
“Your institution” refers to the entire enterprise including all affiliates.

7a.1. Consumer transactions

March

Include: Consumer debit card transactions.

Number

Do not include: Business / government or prepaid card transactions.
. Note: This is a subset of item 7a above.

Value ($)

7a.2. Business / government transactions

March

Include: Business / government debit card transactions.

Number

Do not include: Consumer or prepaid card transactions.
. Note: This is a subset of item 7a above.

7b.

Value ($)

Prepaid card transactions

March

Include: All prepaid card transactions for which your institution was the card issuer.
Include transactions over any debit card network. If you answered No to item 0
above, please report “0” here.

Number

Do not include: ATM withdrawals, debit card transactions from regular transaction
deposit accounts, or credit card transactions.

Value ($)

Note: This is a subset of item 7 above.

For definitions see Glossary or paymentsstudy.com

p.23

Response Date: May 10, 2013 

2013 Depository and Financial Institution Payments Survey

Draft dated December 13, 2012

Debit and Prepaid Cards (cont.)

Please do not round.

Note: If you have excluded data for any affiliate, please indicate this exclusion in item 1 of the Institution Profile section on page 3.
“Your institution” refers to the entire enterprise including all affiliates.

8.

Total cash back transactions = 8a + 8b

March

Include: All debit card and prepaid card transactions for which your institution was the card
issuer and the accountholders received cash back at the point of sale. This includes both
signature-based cash-back and PIN-based cash-back transactions. For cash back ($),
only include the amount of cash your cardholders received at the point of sale.
Do not include: ATM withdrawals, credit card transactions, or the amount paid for goods and
services.

8a.

Number
Cash Back
($)

Debit card cash back transactions made from transaction
deposit accounts

Include: All debit card transactions for which your institution was the card issuer where
funds were debited from a regular transaction deposit account, and the
accountholder received cash back at the point of sale. Include cash-back
transactions over any debit card network. If you answered No to item 1 above,
please report “0” here.

March
Number
Cash Back
($)

Do not include: ATM withdrawals, prepaid-card cash-back transactions, or credit card
transactions.
Note: This is a subset of item 8 above.

8b.

March

Prepaid card cash back transactions

Include: All prepaid card transactions for which your institution was the card issuer and
the accountholder received cash back at the point of sale. Include cash back
transactions over any debit card network. If you answered No to item 0 above,
please report “0” here.
Do not include: ATM withdrawals, debit-card-cash-back transactions from regular
transaction deposit accounts, or credit card transactions.

Number
Cash Back
($)

Note: This is a subset of item 8 above.

Comments:

For definitions see Glossary or paymentsstudy.com

p.24

Response Date: May 10, 2013 

2013 Depository and Financial Institution Payments Survey

Draft dated December 13, 2012

Credit Cards

Please do not round.

Note: If you have excluded data for any affiliate, please indicate this exclusion in item 1 of the Institution Profile section on page 3.
“Your institution” refers to the entire enterprise including all affiliates.

Account-type definitions
Consumer account: A credit account for personal use by an individual or household from which payments can be made.
Business/government account: A credit account owned by an organization (i.e., business, government or not-for-profit) from which
payments can be made.

1.

Did your institution issue credit cards in March 2013?

Include: Credit or charge cards for which your institution owned the receivables.
Do not include: Private-label credit or charge cards that could only be used at a limited set of
merchants and that did not use one of the four major credit card networks. Also exclude
white label cards for which you were not the issuing institution.





Yes
No (Please report “0” for items 2,
3, 4 and 5 below.)
Don’t Know

Note: If your institution had cards that were branded with your institution's name but another
institution owned the receivables, do not report this volume. If your answer to this question
is No, please report “0” for items 2, 3, 4 and 5 below.

2.

Credit card accounts

Include: Unsecured or secured credit card accounts for which your
institution owns the receivables. If you answered No to item 1
above, please report “0” here.

Total = a + b

Do not include: Private-label credit or charge card accounts whose
cards can only be used at a limited set of merchants and that do
not use one of the four major credit card networks. Also exclude
white label card accounts for which you were not the issuing
institution. Do not include transaction deposit accounts.

a. Consumer

3.

For cards with purchase activity, please report only credit
cards that had point-of-sale (POS) and / or bill pay activity during
the period. Credit cards used only to withdraw cash, linked to
accounts on which only convenience checks were drawn, or
linked to accounts on which there was only balance transfer
activity are not considered active cards.

Value of
Balances

as of March 31

as of March 31

b. Business /
Government

Number of credit cards

Include: Credit cards linked to the accounts listed in item 2 above
and were in force during the period. In force cards are those
that have been issued by your institution, activated by your
accountholder, and have not expired prior to the period.

Number of
Cardholder
Accounts

In Force

With
Purchase
Activity

Chip
Enabled

as of
March 31

during
March

as of
March 31

Total = a + b
a. Consumer
b. Business /
Government

For chip enabled cards, please report only credit cards with
chip technology (e.g., EMV or RFID chip-enabled cards or other
form factors).
Do not include: Debit cards, ATM-only cards or prepaid cards.
Note: If you answered No to item 1 above, please report “0” here.

For definitions see Glossary or paymentsstudy.com

p.25

Response Date: May 10, 2013 

2013 Depository and Financial Institution Payments Survey

Draft dated December 13, 2012

Credit Cards (cont.)

Please do not round.

Note: If you have excluded data for any affiliate, please indicate this exclusion in item 1 of the Institution Profile section on page 3.
“Your institution” refers to the entire enterprise including all affiliates.

4.

Total credit card transactions = 4a + 4b

March

Include: All transactions made with credit cards and charge cards issued by your institution.
Include both consumer and business / government transactions. If you answered No to
item 1 above, please report “0” here.

Value ($)

Do not include: Debit or prepaid card transactions. Exclude cash advances.

4a.

Consumer transactions

March

Include: All credit and charge card transactions made by consumer accountholders.
Do not include: Credit or charge card transactions made by business / government
accountholders.
Note: This is a subset of item 4 above.

4b.

Number

Number
Value ($)

Business / government transactions

March

Include: All credit and charge card transactions made by business / government
accountholders.
Do not include: Credit or charge card transactions made by consumer
accountholders.

Number
Value ($)

Note: This is a subset of item 4 above.

5.

Cash advances = 5a + 5b

March

Include: All cash advances requested using credit and charge cards issued by your
institution. If you answered No to item 1 above, please report “0” here.

Number

Do not include: Cash withdrawals that did not involve an extension of credit.

5a.

Value ($)

Consumer cash advances = 5a.1 + 5a.2

March

Include: All cash advances requested by consumer accountholders using credit and
charge cards issued by your institution.

Number

Do not include: Cash advances for business / government accountholders.

Value ($)

Note: This is a subset of item 5 above.

5a.1. Consumer convenience checks and balance
transfers

March

Include: Cash advances whereby your cardholder wrote a check that was tied
to a credit or charge card issued by your institution. Outstanding credit card
balances transferred into a credit card account at your institution.

Number

Do not include: Consumer ATM withdrawals, over-the-counter withdrawals or
business / government cash advances.

Value ($)

Note: Convenience checks are also known as courtesy checks. This is a subset
of item 5a above.

For definitions see Glossary or paymentsstudy.com

p.26

Response Date: May 10, 2013 

2013 Depository and Financial Institution Payments Survey

Draft dated December 13, 2012

Credit Cards (cont.)

Please do not round.

Note: If you have excluded data for any affiliate, please indicate this exclusion in item 1 of the Institution Profile section on page 3.
“Your institution” refers to the entire enterprise including all affiliates.

5a.2. Consumer ATM withdrawals and over-the-counter
withdrawals from credit card accounts
Include: Cash withdrawals made by consumer accountholders at the ATM or
teller line using a credit card issued by your institution.
Do not include: Consumer convenience checks, balance transfers or
business / government cash advances.

March
Number
Value ($)

Note: This is a subset of item 5a above.

5b.

Business / government cash advances = 5b.1 + 5b.2

Include: All cash advances requested by business / government accountholders using
credit and charge cards issued by your institution.

March
Number

Do not include: Cash advances for consumer accountholders.

Value ($)

Note: This is a subset of item 5 above.

5b.1. Business / government convenience checks and
balance transfers
Include: Cash advances whereby your cardholder wrote a check that was tied
to a credit card issued by your institution. Outstanding credit card balances
transferred into a credit card account at your institution.
Do not include: Consumer cash advances, business / government ATM
withdrawals or over-the-counter withdrawals.

March
Number

Value ($)

Note: Convenience checks are also known as courtesy checks. This is a
subset of item 5b above.

5b.2. Business / government ATM withdrawals and overthe-counter withdrawals from credit card accounts
Include: Cash withdrawals made by business / government accountholders at
the ATM or teller line using a credit card issued by your institution.
Do not include: Business / government ATM withdrawals, over-the-counter
withdrawals or consumer cash advances.

March
Number
Value ($)

Note: This is a subset of item 5b above.

Comments:

For definitions see Glossary or paymentsstudy.com

p.27

Response Date: May 10, 2013 

2013 Depository and Financial Institution Payments Survey

Draft dated December 13, 2012

Cash (Withdrawals)

Please do not round.

Note: If you have excluded data for any affiliate, please indicate this exclusion in item 1 of the Institution Profile section on page 3.
“Your institution” refers to the entire enterprise including all affiliates.

1.

Did your institution outsource vault operations in March 2013?

2.

Number of debit cards with ATM withdrawals





Yes
No
Don’t Know

With ATM
Withdrawals
during March

Include: Debit cards and ATM cards that were issued by your institution, draw on the
transaction deposits account reported in item 5 on page 4 in the Institution Profile and
had ATM withdrawal activity during March 2013. If you answered No to item 1 on page
20 in the Debit and Prepaid Cards section, please report “0” here.
Do not include: Signature-only debit cards (i.e., debit cards that can only be used at the
point of sale to make purchases by signing for the transaction.), credit cards, prepaid
cards, or debit cards issued by another depository institution.

3.

With ATM
Withdrawals

Number of prepaid cards with ATM withdrawals

during March
Include: Prepaid cards that were issued by your institution, draw on the prepaid card
program accounts listed in item 4 on page 21 in the Debit and Prepaid Cards section
and had ATM withdrawal activity during March 2013. If you answered No to item 0 on
page 21 in the Debit and Prepaid Cards section, please report “0” here.
Do not include: Signature-only prepaid cards (i.e., prepaid cards that can only be used at
the point of sale to make purchases by signing for the transaction.), debit cards, credit
cards, or prepaid cards issued by another depository institution.

For definitions see Glossary or paymentsstudy.com

p.28

Response Date: May 10, 2013 

2013 Depository and Financial Institution Payments Survey

Draft dated December 13, 2012

Cash (Withdrawals, cont.)

Please do not round.

Note: If you have excluded data for any affiliate, please indicate this exclusion in item 1 of the Institution Profile section on page 3.
“Your institution” refers to the entire enterprise including all affiliates.

4.

Over-the-counter cash withdrawals

March

Include: All cash (notes and coin) withdrawal transactions made from accounts at your
institution over the counter at your institution’s branch locations. Include withdrawal
transactions initiated via a withdrawal slip or via the deposit of any negotiable or
nonnegotiable instrument.
Do not include: Cash withdrawals at ATM terminals, cash withdrawals at ATM
terminals located at your institution’s branch locations, noncash withdrawal
transactions made from accounts at your institution, withdrawals made from
accounts at another institution, deposit transactions, teller vault activity or other nonwithdrawal transactions (e.g., inquiries, statement print-outs, purchases of stamps,
tickets, etc.).

Number
Value ($)

Note: Please count only over-the-counter cash withdrawals made at your institution’s
branch locations from accounts at your institution.

5.

March

Cash orders at wholesale vaults
Include: All cash (notes and coin) withdrawals made at wholesale vaults from
accounts at your institution. Include cash withdrawals at outsourced wholesale
vaults made from accounts at your institution.
Do not include: Cash withdrawals at ATM terminals, noncash withdrawal transactions
made from accounts at your institution, withdrawals made from accounts at another
institution, deposit transactions, teller vault activity or other non-withdrawal
transactions (e.g., inquiries, statement print-outs, purchases of stamps, tickets, etc.).

Number
Value ($)

Note: Please count only cash withdrawals made from accounts at your institution at
wholesale vaults.

6.

Were you able to report outsourced vault operations volume
in item 5 above?

7.

Cash withdrawals made at remote currency management terminals
Include: All cash withdrawals made at remote currency management terminals, i.e.,
“smart safes” and “cash recyclers,” that were deployed by your institution and
resided at a client site (e.g., gas station, restaurant, etc.).
Do not include: Cash deposits made at remote currency management terminals. Do
not include transactions that involved armored couriers withdrawing cash from these
terminals or replenishing cash in cash recyclers.





Yes
No
Don’t Know

March
Number

Value ($)

Note: Please report the gross dollar value of cash withdrawals made at the terminals
reported in item 13 below.

For definitions see Glossary or paymentsstudy.com

p.29

Response Date: May 10, 2013 

2013 Depository and Financial Institution Payments Survey

Draft dated December 13, 2012

Cash (Withdrawals, cont.)

Please do not round.

Note: If you have excluded data for any affiliate, please indicate this exclusion in item 1 of the Institution Profile section on page 3.
“Your institution” refers to the entire enterprise including all affiliates.

8.

ATM cash withdrawals (your institution’s accountholder, any
ATM) = 8a + 8b
Include: All cash withdrawals made from accounts at your institution from any ATM,
including those at your institution’s ATM terminals (item 8a below) or “foreign” ATMs
(item 8b below). A “foreign” ATM is an ATM operated by another depository
institution or ATM operator that is not sponsored by your institution. See Glossary
for definition of sponsored ATM.

March
Number
Value ($)

Do not include: Withdrawals made from accounts at another institution, deposit
transactions, noncash withdrawal transactions made from accounts at your
institution teller vault activity or other non-withdrawal transactions (e.g., inquiries,
statement print-outs, purchases of stamps, tickets, etc.).
Note: Please count only cash withdrawals made from accounts at your institution at
ATMs.

8a.

On-us ATM withdrawals (your institution’s accountholder,
your institution’s ATM)

March

Include: All cash withdrawals made from accounts at your institution at your
institution’s ATM terminals. Include withdrawals made from accounts at your
institution at fee-free ATM networks in which your institution participates.

Number

Do not include: Withdrawals made from accounts at another institution,
withdrawals made from accounts at your institution at “foreign” ATMs, or nonwithdrawal transactions made from accounts at your institution.

Value ($)

Note: This is a subset of item 8 above. Please count only withdrawals made
from accounts at your institution at your institution’s ATM terminals.

8b.

Your institution’s accountholder, “foreign” ATM

March

Include: All cash withdrawals made at another institution’s ATMs from accounts
at your institution.

Number

Do not include: Any transactions at your institution’s ATM terminals, regardless
of the location of an account, or any non-withdrawal transactions.

Value ($)

Note: This is a subset of item 8 above. Please count only withdrawals made
from accounts at your institution at ATM terminals operated by other
depository institutions or ATM operators that are not sponsored by your
institution.

For definitions see Glossary or paymentsstudy.com

p.30

Response Date: May 10, 2013 

2013 Depository and Financial Institution Payments Survey

Draft dated December 13, 2012

Cash (Withdrawals, cont.)

Please do not round.

Note: If you have excluded data for any affiliate, please indicate this exclusion in item 1 of the Institution Profile section on page 3.
“Your institution” refers to the entire enterprise including all affiliates.

9.

March

ATM cash withdrawals (8) = 9a + 9b
Note: Allocate your response to item 8 above according to whether cash was
withdrawn from regular transaction deposit accounts (item 9a below) or prepaid card
program accounts (item 9b below).
Please reenter data from item 8 above. ►

9a.

Number

8:

Value ($)

8:

Transaction deposit accounts

March

Include: All cash withdrawals made from any ATM from your institution’s
accounts that draw on the transaction deposit accounts reported in item 5 on
page 4 in the Institution Profile section.

Number

Do not include: Withdrawals from prepaid card program accounts, withdrawals
made from accounts at another institution, deposit transactions, or other nonwithdrawal transactions (e.g., inquiries, statement print-outs, purchases of
stamps, tickets, etc.).

Value ($)

Note: This is a subset of item 9 above. Please count only ATM cash
withdrawals made from accounts at your institution.

9b.

March

Prepaid card program accounts
Include: All cash withdrawals made from prepaid card program accounts at
your institution from any ATM.
Do not include: Withdrawals from regular transaction deposit accounts,
withdrawals from accounts at another institution, deposit transactions, or
other non-withdrawal transactions (e.g., inquiries, statement print-outs,
purchases of stamps, tickets, etc.).

Number
Value ($)

Note: This is a subset of item 9 above. Please count only ATM cash
withdrawals from prepaid card program accounts at your institution.

Comments:

For definitions see Glossary or paymentsstudy.com

p.31

Response Date: May 10, 2013 

2013 Depository and Financial Institution Payments Survey

Draft dated December 13, 2012

Cash (Deposits)

Please do not round.

Note: If you have excluded data for any affiliate, please indicate this exclusion in item 1 of the Institution Profile section on page 3.
“Your institution” refers to the entire enterprise including all affiliates.

10.

Total cash deposits = 10a + 10b + 10c

March

Include: All cash (notes and coins) deposits made to accounts at your institution over-thecounter at a branch location (item 10a below), at a wholesale vault (item 10b below), or at
an ATM terminal (item 10c below).

Number

Do not include: Deposits made to accounts at another institution, withdrawal transactions, or
other non-deposit transactions (e.g., inquiries, statement print-outs, purchases of stamps,
tickets, etc.).

Value ($)

10a. Over-the-counter cash deposits

March

Include: All cash deposits made to accounts at your institution over-the-counter at your
institution’s branch locations.
Do not include: Cash deposits at ATM terminals located in your institution’s branch
locations or noncash deposit transactions made to accounts at your institution.

Number
Value ($)

Note: This is a subset of item 10 above. Please count only over-the-counter cash
deposits made to accounts at your institution at your institution’s branch locations.

March

10b. Cash deposits at wholesale vaults
Include: All cash deposits made to accounts at your institution at wholesale vaults.
Do not include: Noncash deposit transactions made to accounts at your institution or
teller vault activity.
Note: This is a subset of item 10 above. Please count only cash deposits made to
accounts at your institution at wholesale vaults.

For definitions see Glossary or paymentsstudy.com

p.32

Number
Value ($)

Response Date: May 10, 2013 

2013 Depository and Financial Institution Payments Survey

Draft dated December 13, 2012

Cash (Deposits, cont.)

Please do not round.

Note: If you have excluded data for any affiliate, please indicate this exclusion in item 1 of the Institution Profile section on page 3.
“Your institution” refers to the entire enterprise including all affiliates.

10c. Cash deposits at ATMs = 10c.1 + 10c.2

March

Include: All cash deposits made to accounts at your institution at any ATM, including
those at your institution’s ATM terminals (item 10c.1 below) or “foreign” ATMs (item
10c.2 below). A “foreign” ATM is an ATM operated by another depository institution
or ATM operator.
Do not include: Deposits made to accounts at another institution, withdrawal
transactions, or other non-deposit transactions (e.g., inquiries, statement print-outs,
purchases of stamps, tickets, etc.).

Number
Value ($)

Note: This is a subset of item 10 above. Please count only cash deposits made to
accounts at your institution at ATMs.

10c.1. On-us ATM deposits (your accountholder, your
institution’s ATM)
Include: All cash deposits made to accounts at your institution at your
institution’s ATM terminals. Include deposits made to accounts at your
institution at fee-free ATM networks in which it participates.
Do not include: Deposits by cardholders other than your institution’s
accountholders, deposits made to accounts at your institution at “foreign”
ATMs, or non-deposit transactions made to accounts at your institution.

March
Number
Value ($)

Note: This is a subset of item 10c above. Please count only deposits made to
accounts at your institution at your institution’s ATMs.

10c.2. Your accountholder, “foreign” ATM

March

Include: All cash deposits made to accounts at your institution at “foreign”
ATMs.
Do not include: Any transactions at your institution’s ATM terminals, whether
by its accountholder or another cardholder, or any non-deposit transactions
made to accounts at your institution.

Number
Value ($)

Note: This is a subset of item 10c above. Please count only deposits made to
accounts at your institution at ATM terminals operated by other depository
institutions or ATM operators.

11.

Cash deposits made at remote currency management terminals

March

Include: All cash deposits made at remote currency management terminals, i.e.,
“smart safes” and “cash recyclers,” that were deployed by your institution and
resided at a client site (e.g., gas station, restaurant, etc.).

Number

Do not include: Cash withdrawals made at remote currency management
terminals. Do not include transactions that involved armored couriers
withdrawing cash from these terminals or replenishing cash in cash recyclers.

Value ($)

Note: Please report the gross dollar value of cash deposits made at the
terminals reported in item 13 below.

Comments:

For definitions see Glossary or paymentsstudy.com

p.33

Response Date: May 10, 2013 

2013 Depository and Financial Institution Payments Survey

Draft dated December 13, 2012

Cash (Terminals)

Please do not round.

Note: If you have excluded data for any affiliate, please indicate this exclusion in item 1 of the Institution Profile section on page 3.
“Your institution” refers to the entire enterprise including all affiliates.

12.

Total number of ATM terminals = 12a + 12b

as of March 31

Include: All ATM terminals owned by your institution or owned by an independent service
operator and sponsored by your institution, including ATM terminals at your institution’s
branch locations (item 12a below) and offsite ATM terminals (item 12b below).

Number

Do not include: ATM terminals not sponsored by your institution.

12a. ATM terminals at branch locations

as of March 31

Include: All ATM terminals located at your institution’s branch locations.
Do not include: Offsite ATM terminals or ATM terminals owned by another institution.

Number

Note: This is a subset of item 12 above.

12b. Offsite ATM terminals = 12b.1 + 12b.2

as of March 31

Include: All ATM terminals owned or sponsored by your institution but not located on
the premises of one of its branch locations.

Number

Do not include: ATM terminals located at a branch location or ATM terminals owned
by another institution.
Note: This is a subset of item 12 above.

12b.1. ATMs owned by your institution

as of March 31

Include: All ATM terminals owned by your institution but not located on the
premises of one of its branch locations.

Number

Do not include: ATM terminals located at a branch location or ATM terminals
owned by another institution.
Note: This is a subset of item 12b above.

12b.2. ATMs sponsored by your institution, owned by
independent service operator
Include: All ATM terminals owned by a non-depository institution for which your
institution sponsors access to the ATM network.

as of March 31

Number

Do not include: ATM terminals located at a branch location, ATM terminals
owned by your institution, or ATM terminals owned by another depository
institution.
Note: This is a subset of item 12b above.
as of March 31

13.

Remote currency management terminals

Include: All remote currency management terminals, i.e., “smart safes” and “cash recyclers,”
that were deployed by your institution and resided at a client site (e.g., gas station,
restaurant, etc.).

Number

Do not include: ATM terminals or cash recyclers installed at your institution’s branch
locations.

Comments:

For definitions see Glossary or paymentsstudy.com

p.34

Response Date: May 10, 2013 

2013 Depository and Financial Institution Payments Survey

Draft dated December 13, 2012

Selected Payment Initiation Channels

Please do not round.

Note: If you have excluded data for any affiliate, please indicate this exclusion in item 1 of the Institution Profile section on page 3.
“Your institution” refers to the entire enterprise including all affiliates.

1.

Did your institution offer online bill payments in March 2013?




Note: Online or mobile bill payment includes transactions paid from accounts at your
institution and initiated via your institution’s website. Do not include payments made
through the biller’s website.



2.

Did your institution offer an online person-to-person funds
transfer system (e.g., ClearXchange, ZashPay / Popmoney, etc.)
in March 2013?




Did your institution offer accountholders the ability to pay bills
or transfer funds between their accounts and another person’s
account (person-to-person transfer) via SMS / text message or
an application on a mobile device in March 2013?




3.





Yes
No (Please report “0” for item 4
below.)
Don’t Know

Yes
No (Please report “0” for item 5a
below.)
Don’t Know
Yes
No (Please report “0” for item 4b,
5b and 5c below.)
Don’t Know

Note: Do not consider the ability of your accountholders to pay bills using a web browser on a
mobile device.

4.

Total online or mobile bill payment transactions initiated by
your accountholders = 4a + 4b

Include: All online and mobile bill payment transactions paid from accounts at your institution.
If you answered No to item 1 above, please report “0” here.
Do not include: Person-to-person transfers reported in item 5 below.
Note: See Glossary for examples of online and mobile bill pay transactions initiated by your
accountholders.

4a.

March
Number
Value ($)

March

Bill payment transactions initiated through a web browser

Include: All bill payment transactions paid from accounts at your institution and
initiated via your institution’s website through a web browser interface, including a
mobile browser interface.

Number

Do not include: Bill payment transactions initiated through a mobile application or
SMS / text message reported in 4b below or person-to-person transfers reported in
5 below.

Value ($)

Note: This is a subset of item 4 above.

4b.

Bill payment transactions initiated through a mobile
application or SMS / text message

March

Include: All bill payment transactions paid from accounts at your institution and
initiated through a mobile application or SMS / text message. If you answered No
to item 3 above, please report “0” here.

Number

Do not include: Bill payment transactions initiated through a web browser reported in
item 4a above or person-to-person transfers reported in item 5 below.

Value ($)

Note: This is a subset of item 4 above.

For definitions see Glossary or paymentsstudy.com

p.35

Response Date: May 10, 2013 

2013 Depository and Financial Institution Payments Survey

Draft dated December 13, 2012

Selected Payment Initiation Channels (cont.)

Please do not round.

Note: If you have excluded data for any affiliate, please indicate this exclusion in item 1 of the Institution Profile section on page 3.
“Your institution” refers to the entire enterprise including all affiliates.

5.

Total online or mobile person-to-person transfers
= 5a + 5b + 5c

March

Include: All person-to-person transfers completed on behalf of your institution’s
accountholders initiated through a web browser (including a mobile browser), a mobile
application or via SMS / text message. If you answered No to both items 2 and 3 above,
please report “0” here.
Do not include: Any bill pay transactions or point-of-sale (POS) transactions.

5a.

Number
Value ($)

Person-to-person transfers initiated through a web
browser

March

Include: All person-to-person transfers completed on behalf of your institution’s
accountholders and initiated through a web browser, including a mobile browser. If
you answered No to item 2 above, please report “0” here.
Do not include: Person-to-person transfers initiated through a mobile application or
SMS / text message, any bill payment transactions or point-of-sale (POS)
transactions.

Number

Value ($)

Note: This is a subset of item 5 above.

5b.

Person-to-person transfers initiated through a mobile
application

Include: All person-to-person transfers completed on behalf of your institution’s
accountholders and initiated through a mobile application. If you answered No to
item 3 above, please report “0” here.
Do not include: Person-to-person transfers initiated through a web browser or through
SMS / text messages, any bill pay transactions or point-of-sale (POS) transactions.

March
Number
Value ($)

Note: This is a subset of item 5 above.

5c.

Person-to-person transfers initiated via SMS / text
message

March

Include: All person-to-person transfers initiated by your institution’s
accountholders with a mobile device via SMS / text message. If you
answered No to item 3 above, please report “0” here.
Do not include: Person-to-person transfers initiated through a web browser or
via a mobile application, any bill payment transactions or point-of-sale (POS)
transactions.

Number
Value ($)

Note: This is a subset of item 5 above.

Comments:

For definitions see Glossary or paymentsstudy.com

p.36

Response Date: May 10, 2013 

2013 Depository and Financial Institution Payments Survey

Draft dated December 13, 2012

Third-Party Payment Fraud

Please do not round.

Note: If you have excluded data for any affiliate, please indicate this exclusion in item 1 of the Institution Profile section on page 3.
“Your institution” refers to the entire enterprise including all affiliates.

1.

Unauthorized check payments

March

Include: All unauthorized check transactions drawn on your institution. Include only
transactions that were not authorized by your institution’s accountholders (third-party fraud)
before any recoveries or chargebacks.
Do not include: Check fraud prevented before a loss was incurred, fraudulent checks
deposited at your institution, fraud committed by your institution’s accountholders (firstparty fraud), or checks authorized by a valid accountholder as part of a scam.

2.

Number
Value ($)

March

Unauthorized ACH credits originated

Include: All unauthorized ACH credit entries for which your institution was the ODFI, including
fraudulent on-us entries. Include only transactions that were not authorized by a valid
accountholder (third-party fraud) before any recoveries or chargebacks.

Number

Do not include: ACH fraud prevented before a loss was incurred, fraudulent ACH credits
received by your institution, fraud committed by a valid accountholder (first-party fraud),
fraudulent ACH debit entries, or ACH credits authorized by a valid accountholder as part of
a scam.

Value ($)

3.

March

Unauthorized ACH debits received

Include: All unauthorized ACH debit entries for which your institution was the RDFI, including
fraudulent on-us entries. Include only transactions that were not authorized by a valid
accountholder (third-party fraud) before any recoveries or chargebacks.

Number

Do not include: ACH fraud prevented before a loss was incurred, fraudulent ACH debits
originated from your institution, fraud committed by a valid accountholder (first-party fraud),
fraudulent ACH credit entries, or ACH debits authorized by a valid accountholder as part of
a scam.

Value ($)

4.

Unauthorized debit and prepaid card transactions = 4a + 4b

Include: All unauthorized debit and prepaid card transactions, before any recoveries or
chargebacks, for which your institution was the card issuer. All fraudulent transactions
made either by debit cards linked to a deposit account or prepaid cards for which your
institution was the card issuer. Include only transactions that were not authorized by a
valid cardholder (third-party fraud).

March
Number
Value ($)

Do not include: Debit and prepaid card fraud prevented before a loss was incurred, fraud
committed by a valid cardholder (first-party fraud), fraudulent credit card transactions,
fraudulent ATM withdrawals, or debit and prepaid card transactions authorized by a valid
cardholder as part of a scam.

4a.

Unauthorized signature transactions = 4a.1 + 4a.2

March

Include: All unauthorized debit and prepaid card transactions over a signature (dualmessage) debit card network, before any recoveries or chargebacks, for which your
institution is the card issuer. Fraudulent signature transactions made either by debit
cards linked to a deposit account or prepaid cards for which your institution was the
card issuer.

Number
Value ($)

Do not include: Fraudulent PIN transactions.
Note: This is a subset of item 4 above.

March

4a.1. Card-present transactions
Include: Unauthorized debit and prepaid card signature transactions, before
any recoveries or chargebacks, for which your institution was the card issuer
and the card was present at the point of sale.
Do not include: Unauthorized card-not-present transactions such as internet,
mail order, or telephone transactions.

Number
Value ($)

Note: This is a subset of item 4a above.

For definitions see Glossary or paymentsstudy.com

p.37

Response Date: May 10, 2013 

2013 Depository and Financial Institution Payments Survey

Draft dated December 13, 2012

Third-Party Payment Fraud (cont.)

Please do not round.

Note: If you have excluded data for any affiliate, please indicate this exclusion in item 1 of the Institution Profile section on page 3.
“Your institution” refers to the entire enterprise including all affiliates.

4a.2. Card-not-present transactions

March

Include: Unauthorized debit and prepaid card signature transactions, before
any recoveries or chargebacks, for which your institution was the card issuer
and the card was not present at the point of sale, such as an internet, mail
order, or telephone transaction.
Do not include: Unauthorized card-present transactions.

Number
Value ($)

Note: This is a subset of item 4a above.

4b.

March

Unauthorized PIN transactions

Include: Unauthorized debit and prepaid card transactions over a PIN (singlemessage) debit card network, before any recoveries or chargebacks, for which your
institution was the issuer. Fraudulent PIN transactions made either by debit cards
linked to a transaction deposit account or prepaid cards for which your institution
was the card issuer.

Number
Value ($)

Do not include: Unauthorized signature transactions.
Note: This is a subset of item 4 above.

5. Unauthorized credit card transactions = 5a + 5b

March

Include: All unauthorized credit card and charge card transactions, before any recoveries or
chargebacks, for which your institution was the card issuer. Include unauthorized cash
advances. Include only transactions that were not authorized by a valid cardholder (thirdparty fraud).
Do not include: Credit card fraud prevented before a loss was incurred, fraud committed by a
valid cardholder (first-party fraud), fraudulent debit or prepaid card transactions, or credit
card transactions authorized by a valid cardholder as part of a scam.

5a.

Number
Value ($)

March

Card-present transactions

Include: Unauthorized credit card transactions, before any recoveries or chargebacks,
for which your institution was the card issuer and the card was present at the point
of sale.
Do not include: Unauthorized card-not-present transactions, such as internet, mail
order, or telephone transactions.

Number
Value ($)

Note: This is a subset of item 5 above.

5b.

March

Card-not-present transactions

Include: Unauthorized credit card transactions, before any recoveries or chargebacks,
for which your institution was the card issuer and the card was not present at the
point of sale, such as an internet, mail order, or telephone transaction.

Number
Value ($)

Do not include: Unauthorized card-present transactions.
Note: This is a subset of item 5 above.

6.

March

Unauthorized ATM cash withdrawals

Include: All unauthorized cash withdrawals made against the accounts of your institution’s
accountholders at any ATM. Include only transactions that were not authorized by a valid
accountholder (third-party fraud) before any recoveries or chargebacks.

Number

Do not include: Unauthorized ATM cash withdrawal attempts prevented before a loss was
incurred, fraud committed by a valid accountholder (first-party fraud), fraudulent cash
withdrawals from accounts of another institution’s accountholders, or unauthorized nonwithdrawal transactions at an ATM.

Value ($)

Comments:
For definitions see Glossary or paymentsstudy.com

p.38

Response Date: May 10, 2013