Defining the Fee Benefits

The Relationship Pricing Plan Fee Benefits window lets you reduce an existing fee by a percentage, indicate a new fee amount, or waive a fee amount for members in the specified relationship plan. To access the Relationship Pricing Plan Fee Benefits window, on the Portico Explorer Bar, click Products/Services in the Administration menu. On the Products/Services menu bar, click Services, point to Relationship Pricing, and click Plan Fee Benefits.

How do I? and Field Help

To display the fee benefits for an existing Relationship Plan, select the 2-character plan code and description from the Plan drop-down list (Keyword: PC) and click the green arrow. The Plan Information group box lists the status, priority and run date for the plan.

Field	Description
Status	The status of the Relationship Pricing plan. The valid values are: A - Active. The plan is active and will run on the frequency specified in the Frequency field on the Relationship Pricing Plans window and the benefits associated with this plan will be applied to the enrolled members. System default. I - Inactive. The plan is inactive and cannot be scheduled to be run.
Priority	The priority of the Relationship Pricing plan. Priority determines the order of importance between the plans. Priorities occur in ascending order, starting with 01. You can manually rearrange the pricing priorities as you like. If a member qualifies for more than one plan, the plan priority determines which plan the member is enrolled in. If a member is in more than one plan, the member will only be active in the plan with the highest priority. The member will remain in the plan with the lower priority but the status for this plan for this member will be inactive. If the member no longer qualifies for the higher priority plan and qualifies for the lower priority plan then the higher priority plan becomes inactive and the lower priority plan becomes active. A plan for a member can always be manually deleted. The valid values are 01-98. Length: 2 numeric Keyword: PR The second field of XX indicates the total number of relationship pricing plans that are set up. This field is non-maintainable.
Next Run	The next date the system will run the relationship plans to examine if a member qualifies for the same plan or a different plan. The next date is based on the Frequency field for the plan on the Relationship Pricing Plans window.

Click the List icon button to view the list of relationship plans.

Click the Details icon button to view the relationship plan detail.

Click the Rates icon button to define the rate benefits.

Click the Print icon button to print the fee benefits.

To copy the plan benefits currently displayed to a new relationship plan, click the Select Plan to Copy Fees to down arrow to select the plan. Then, click Save.

Complete the following steps to add a fee benefit for the relationship plan.

1. Click the Fee Description down arrow to select the type of transaction the relationship plan fee benefit will be applied to. The valid options are: Cashier's Checks, Credit Union Checks, Courtesy Pay, Domestic Outgoing Wire Transfers, Gift Checks, Gift Cards, Money Orders, Network ATM Deposit, Network ATM Inquiry, Network ATM Transfer, Network ATM Withdrawal, Overdraft Transfers, Point of Sale, Signature Point of Sale, and Traveler's Checks.
2. Click the Fee Benefit down arrow to indicate the type of fee benefit. The valid values are: Percent Discount, Number of Items Free, New Amount, Free & New Amount, and Free & Percent Discount.
   • For Courtesy Pay Fees, Domestic Outgoing Wire Transfer Fees, or Overdraft Transfer Fees, you can select Percent Discount or New Amount.
   • For Gift Checks, Gift Cards, Money Orders, Network ATM Deposit, Network ATM Inquiry, Network ATM Transfer, Network ATM Withdrawal, Point of Sale, Signature Point of Sale, and Traveler's Checks, you can select Percent Discount, Number of Items Free, or New Amount.
   • For Cashier's Checks and Credit Union Checks, you can select Percent Discount, Number of Items Free, New Amount, Free & New Amount, or Free & Percent Discount.
3. In the Percent Discount field, enter the percentage that should be taken off the standard fee amount. For example, if you enter 60.00 in the Percent Discount field and the standard fee is $10.00, the fee amount assessed will be $4.00. (Length: 6 numeric including decimal)
4. Enter the number of free items allowed before Portico will charge a fee for the specified fee type in the Items Free field. (Length: 3 numeric)
5. In the New Amount field, enter the new fee amount for the fee type. The valid values are 0 through 999.99. To set up free traveler's check and money order transactions, enter 0.00 as the new fee amount.
6. Click Add to add the fee benefit to the grid.

You can modify a fee benefit by changing the information in the Plan Fee Benefits grid. Click the left and right arrows to scroll through the list.

Column Heading	Description
Delete	Select the Delete check box and click Save to remove the fee benefit from the relationship plan.
Fee Description	The type of transaction the relationship plan fee benefit should be applied to. The valid options are: Cashier's Checks, Credit Union Checks, Courtesy Pay, Domestic Outgoing Wire Transfers, Gift Checks, Gift Cards, Money Orders, Network ATM Deposit, Network ATM Inquiry, Network ATM Transfer, Network ATM Withdrawal, Overdraft Transfers, Point of Sale, Signature Point of Sale, and Traveler's Checks.
Fee Benefit	The type of fee benefit. The valid options are: Percent Discount, Number of Items Free, and New Amount. The valid values are: Percent Discount, Number of Items Free, New Amount, Free & New Amount, and Free & Percent Discount. For Courtesy Pay Fees, Domestic Outgoing Wire Transfer Fees, or Overdraft Transfer Fees, you can select Percent Discount or New Amount. For Gift Checks, Gift Cards, Money Orders, Network ATM Deposit, Network ATM Inquiry, Network ATM Transfer, Network ATM Withdrawal, Point of Sale, Signature Point of Sale, and Traveler's Checks, you can select Percent Discount, Number of Items Free, or New Amount. For Cashier's Checks and Credit Union Checks, you can select Percent Discount, Number of Items Free, New Amount, Free & New Amount, or Free & Percent Discount.
Percent Discount	The percentage that should be taken off the standard fee amount. Length: 6 numeric including decimal
Items Free	The number of free items allowed before the member is charged a fee for the specified fee type. Length: 3 numeric
New Amount	The new fee amount for the online fee listed. The valid values are 0 through 999.99. Length: 6 numeric including decimal
Last Changed	The last date the plan rate benefit was changed.

Click Save to save you changes to the plan fee benefits.

When completing the sale of a traveler's check, money order, or domestic outgoing wire transfer, Portico will not allow the benefit fee to be less than the minimum amount established for the product code defined for the fee. In addition, if a fee benefit specified is greater than the standard fee, Portico will assume you wish to assess the lower standard fee.

Point of Sale Fee Benefit

To implement a Point of Sale fee benefit, the Count POS Transactions check box must be selected on the EFT Processing Rules - ATM/Debit Processing Rules tab. For a Signature Point of Sale fee benefit, the Signature Based POS field must be A or B on the EFT Processing Rules - ATM/Debit Processing Rules tab.

Courtesy Pay and Overdraft Transfer Fee Benefits

Overdraft Transfer and Courtesy Pay fee benefits will be applied at the time the fees are posted online or in the back-office cycle. Portico will review a member's relationship pricing plan for Overdraft Transfer or Courtesy Pay fee benefits when the following activity occurs:

• Online on-us check clearings requiring overdraft processing
• Online ATM, debit card, and bill payment withdrawals requiring overdraft processing
• Back office ACH and share draft processing requiring a transfer from an overdraft protection share account
• Online and back office fee assessment for ACH and share draft exception items posted using Courtesy Pay

Reports and notices that are generated as a result of the activity will reflect the discounted fee amounts assessed based on the member's relationship pricing plan. If you choose to add Overdraft Transfer fee benefits, be sure to evaluate the custom message on the Share Draft Overdraft Protection Notice (455 Report) and consider removing any references to the standard overdraft transfer fee amount since it will no longer apply to all members. If you define a new fee amount of 0.00 for the Courtesy Pay fee benefit, a 0.00 fee transaction will not post to the member’s account and the 0.00 fee will not be included on the Returned Share Draft, Non-Return and Stop Pay Fees Report 457.

Domestic Outgoing Wire Transfer Fee Benefits

To add a fee benefit for Domestic Outgoing Wire Transfer fees, you must use master code GOWD to set up a product code for domestic wire transfers, linking the product code to a domestic outgoing wire transfer fee. Portico will only review a member's relationship pricing plan for the Domestic Outgoing Wire Transfer fee benefit when a wire transfer purchase is made using the Transactions - Deposits, Withdrawals, Payments, Transfers tab. If necessary, you can use the Transaction Definition window to add a new product code to the ALD - Deposits, Withdrawals, Payments, Transfers tab. When you complete a domestic wire transfer for a member in a relationship pricing plan with the Domestic Outgoing Wire Transfer fee benefit, the Transaction Fee dialog box will display the fee benefit.

Additional Cashier's Check Qualification Criteria

An additional qualification criteria at the credit union level is available for the cashier's check or credit union check fee benefit. The Free Item Balances field and Combined Minimum Balance field on the Credit Union Profile - Products & Services tab allow you to define a minimum combined account balance that must be met before a member qualifies for the cashier's check or credit union check Number of Items Free benefit. The Free Item Balances field can be set to N – Not Supported, S – Shares Only, or B – Shares and Certificates. The Combined Minimum Balance field can be 0.00 up to a maximum of 999999.99.

• If the Free Item Balances field is N, Portico will not check the member’s combined balance amount before allowing the member to receive the Number of Items Free benefit.
• If the Free Item Balances field is S, Portico will calculate the combined balance amount using the member's share account balances of 0.00 or greater. If the combined balance is greater than the amount in the Combined Minimum Balance field, the member qualifies for the Number of Items Free benefit.
• If the Free Item Balances field is B, Portico will calculate the combined balance amount using the member's share account and certificate balances of 0.00 or greater. If the combined balance is greater than the amount in the Combined Minimum Balance field, the member qualifies for the Number of Items Free benefit.

If your credit union uses master code GKCU for credit union checks, you can use the credit union-level fee benefit requirement for both cashier's checks and credit union checks.

If the member’s Relationship Pricing plan includes a number of items free benefit for cashier’s checks or credit union checks based on a combined total balance requirement, Portico will evaluate the member's account balance to determine if the member qualifies for free checks. If the member does not meet the combined balance requirement for free cashier’s checks, the Transaction Fee dialog box will indicate that there are 0 free items available. If the member's combined balance is equal to or greater than the required balance amount to receive free cashier’s checks, the Transaction Fee dialog box will indicate that there are free items available. If the member's combined balance is equal to or greater than the required balance amount to receive free cashier’s checks, but the member has used all the free items, the Transaction Fee dialog box will display the discounted fee (if the Items Free & New Amount fee benefit was selected).

Monetary Instruments Counters

The Number of Items Free benefit works in conjunction with the member-level counters used to track the number of money orders, cashier’s checks, credit union checks, traveler’s checks, gift cards and gift checks issued to a member each month. The monthly counters are incremented for items purchased using the Transactions - Deposits, Withdrawals, Payments, Transfers tab, Transactions - Money Orders tab, and Transactions - Traveler's Checks and Miscellaneous Tracked Forms tab. You can view and maintain the monthly counters on the Monetary Instruments Counters dialog box.

Complete the following steps to implement the monetary instruments counters option:

Step 1. If necessary, add the security permissions to the applicable credit union-defined security groups using the Security Group Permissions – Update window.

Permissions	Security Groups
MbrInfo – Monetary Instruments Counters – View Only	Teller - Basic Member Services - User
MbrInfo – Monetary Instruments Counters – Maintain	Teller - Advanced Member Services - User

Step 2. Determine the counter categories to appear on the Monetary Instruments Counters dialog box and use the Customized Field – Update window to exclude the categories that will not be used by setting the Use Field check box to unchecked. Then, enter the customized field labels on the Customized Field – Update window as needed.

Step 3. On the Product Code Information window, verify that the monetary instrument product codes have the correct master code assigned so they can be counted. The monetary instrument and their associated master codes are:

Monetary Instrument	Master Codes
Cashier’s Checks	GKCC
Credit Union Checks	GKCU
Gift Cards	GOGK
Gift Checks	GOGC
Money Orders	GOMO, GKOP
Traveler’s Checks	GOTC, GOT2

Step 4. On the Transaction Definition window, review the ALD - Deposits, Withdrawals, Payments, Transfers, ALM - Money Orders, and ALT - Traveler's Checks and Miscellaneous Tracked Forms transactions. Verify that the monetary instrument product codes are added to the To Information side with a process ID of AH so the per-item calculations are accurate.

Step 5. Add or update the Relationship Pricing plans that will now include Number of Items Free for cashier’s checks, credit union checks, gift cards, gift checks, money orders, and/or traveler’s checks.

Relationship Pricing and Account Analysis

Relationship Pricing is generally recommended for individual member accounts, while Account Analysis is recommended for business accounts. Normally, you will use one or the other, but there may be occasions when a member account is setup for both Relationship Pricing and Account Analysis. If a member’s Account Analysis is set up with a soft dollar or flat fee charge type, Portico will not use Relationship Pricing to provide discounted fees or free items. The standard fees will be tracked to provided an Account Analysis benefit. If a member’s Account Analysis is set up with a hard dollar charge type, Portico will use Relationship Pricing to provide discounted fees and free items.

General Ledger Effects: none

Related Reports:

• Relationship Pricing Qualification Plan Report 570
• Relationship Pricing Qualification Notices Report 571

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