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pdfFR 3066a
Depository and Financial
Institutions Payments
Survey (DFIPS)
Survey Period: Calendar Year 2015
The Depository and Financial Institutions Payments
Survey (DFIPS) includes:
Institution profile
Check payments, deposits, and returns
ACH profile, payments, and returns
Wire transfers originated and received
General-purpose debit and prepaid cards
General-purpose credit cards
Cash withdrawals, deposits, and terminals
Alternative payment initiation methods
Unauthorized third-party payment fraud
>> Please respond by: Friday, May 27 <<
Response options:
Questions? Call us:
Online
www.paymentsstudy.com
Institution ID:
Password:
Mail
Federal Reserve
Payments Study c/o Lieberman
98 Cutter Mill Road
Great Neck, NY 11021
Fax
(516) 829-9419
Phone
(866) 829-8881
Institution Profile
General Instructions
About the survey
The Federal Reserve 2016 Depository and Financial Institutions Payments Survey is a national survey of depository and
financial institutions that offer transaction deposits accounts, prepaid card program accounts, and credit card accounts to
consumer, business, and government customers, or serve as ATM sponsors for independent service operator (ISO)
customers. The survey gathers data about noncash payments, cash withdrawals and deposits that posted to customer
accounts, and unauthorized third-party payment fraud against those customer’s accounts that took place during calendar
year 2015. Data from your response will contribute to estimates of the national aggregate number and value of payments
and withdrawals made by these transaction methods. The Federal Reserve will compare the results of this survey to
previous triennial surveys conducted from 2001 to 2013.
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 for calendar year 2015. To achieve the
most reliable results, it is important that you respond completely and accurately. If your institution outsourced
payments processing to another organization during calendar year 2015, please request the necessary
data from that organization or provide them with the survey so they may respond on behalf of your institution.
Please leave no survey item blank.
There are three possible ways to respond to a survey item that requests a numeric value:
1. If your institution has volume for the item requested and the volume is known or can be accurately estimated,
enter the amount. (Enter “0” if the amount equals zero.)
2. If your institution has volume for the item requested but the volume is unknown and cannot be accurately
estimated, enter “NR” (not reported). (Do not enter “0” if the volume exists but the amount is
unknown.)
3. If your institution does not have volume for the item requested (i.e., the item requested does not apply to your
institution), enter “0”.
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.
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2016 Depository and Financial Institutions Payments Survey
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 for full calendar year 2015, we need to know which
affiliates (listed in item 1 below) are not included in your response to different parts of the survey and which additional (not
listed in item 1 below) are included in your response. If your institution acquired or merged with another institution(s)
during calendar year 2015, please report combined data for calendar year 2015.
Please contact us at (866) 829-8881 if you have any questions or concerns about the items on this page.
1.
2.
According to our records, the following affiliated institutions should be included in your
responses.
Name
City
State
Does item 1 above accurately reflect the affiliates included in your response?
Yes
No
If your answer is “No” to item 2 above, please indicate which affiliates listed above could not
be included in your response or any additional affiliate(s) not listed in item 1 above that are
included in your response. Also indicate any other concerns.
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2016 Depository and Financial Institutions Payments Survey
Institution Profile
Note: Use your best available information to complete the survey for full calendar year 2015, including data for all affiliates. “Your
institution” refers to the entire enterprise including all affiliates (see page 3). Only report data associated with your institution's U.S.
domiciled accounts. The data you provide will only be used to produce national aggregate estimates of the volumes being measured.
If you have additional information about your response that will help us produce these estimates, please let us know in the comments
box below.
3.
Did your institution or any of its affiliates employ the use of a
retail sweep program (i.e., reserve sweep program) during
calendar year 2015?
Yes
No (Please report “0” for item
7 below.)
Don’t know
In order to make national aggregate 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 (both consumer and business/government) to special
purpose money market deposit accounts (MMDAs) 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. Do not
consider wholesale sweep program accounts (i.e., corporate sweep program accounts).
4.
Did your institution provide a wholesale sweep program (i.e.,
corporate sweep program) to your business accountholders
during calendar year 2015?
Yes
No (Please report “0” for item
8 below.)
Don’t know
Do not consider retail sweep program accounts (i.e., reserve sweep program accounts).
5.
Did your institution provide card network acquiring services
during calendar year 2015?
Answer “Yes” if your institution provided access to merchants or other accountholders
that receive payments over card networks.
Yes
No
Don’t know
Transaction deposit account-type definitions
Consumer: A transaction deposit account for personal use by an individual or household from which payments are
commonly made. This includes checking accounts, NOW accounts, and share draft accounts. It excludes savings accounts
and money market deposit accounts (MMDAs), which, although eligible for a limited number of transactions per month, should
not be included. It also excludes certificates of deposit (CDs).
Business/government: A transaction deposit account owned by an organization (i.e., business, government, non-depository
financial institution, or not-for-profit) 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 (MMDAs), which although eligible
for a limited number of transactions per month, should not be included. It also excludes certificates of deposit (CDs) and
deposits held from a depository institution for correspondent banking purposes.
Retail sweep program account-type definitions
Consumer: In a “retail sweep program,” a depository institution transfers funds between a customer’s transaction accounts
(e.g., a consumer) and that customer’s savings deposit accounts up to six times per month by means of preauthorized or
automatic transfers, typically in order to reduce transaction account reserve requirements while providing the customer with
access to the funds.
See http://www.federalreserve.gov/BOARDDOCS/LegalInt/FederalReserveAct/2007/20070501/20070501.pdf for a regulatory
opinion of what approaches may be used to implement these programs.
Business/government: In a “retail sweep program,” a depository institution transfers funds between a customer’s transaction
accounts (e.g., a small business) and that customer’s savings deposit accounts up to six times per month by means of
preauthorized or automatic transfers, typically in order to reduce transaction account reserve requirements while providing the
customer with access to the funds.
See http://www.federalreserve.gov/BOARDDOCS/LegalInt/FederalReserveAct/2007/20070501/20070501.pdf for a regulatory
opinion of what approaches may be used to implement these programs.
Wholesale sweep program account-type definitions
Wholesale sweep program accounts, also known as corporate sweep program accounts, are accounts in which funds from
your business accountholders are swept overnight into investment instruments. Common investments used in wholesale
sweeps are repurchase agreements, Master Notes, offshore Eurodollar deposits, and mutual funds.
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2016 Depository and Financial Institutions Payments Survey
Institution Profile
Average of monthly totals
in 2015
6.
Transaction deposit accounts (including
demand deposit accounts)
(Average of monthly totals in 2015)
Include: Checking accounts, NOW accounts, and share draft
accounts.
Do not include: Non-transaction accounts (savings accounts,
money market accounts, CDs), prepaid card program accounts,
credit card accounts, accounts of foreign governments and
official institutions, or accounts of other depository institutions.
Do not include balances reported in item 7 (retail sweep
program accounts) and item 8 (wholesale sweep program
accounts), below.
Average of monthly totals means the average of end-of-month
totals for 2015.
Number
Balance ($)
Total = a) + b)
a) Consumer
b) Business/
government
Average of monthly totals
in 2015
Number
7.
Retail sweep program accounts (i.e., reserve
sweep program accounts)
Balance ($)
Total = a) + b)
(Average of monthly totals in 2015)
Include: Savings and money market deposit accounts
associated with retail sweep programs.
Do not include: Checking accounts, NOW accounts, and share
draft accounts. Do not include balances reported in item 6
above (transaction deposit accounts) and item 8 below
(wholesale sweep program accounts), or accounts and balances
of any savings-type account not associated with transaction
deposit accounts under a sweep program.
Average of monthly totals means the average of end-of-month
totals for 2015.
a) Consumer
b) Business/
government
Average of monthly totals
in 2015
Number
8.
Wholesale sweep program accounts
(Average of monthly totals in 2015)
Include: Corporate sweep accounts in which funds from your
business accountholders are swept overnight into investment
instruments.
Do not include: Checking accounts, NOW accounts, and share
draft accounts. Do not include balances reported in item 6
(Transaction deposit accounts) and item 7 (Retail sweep
program accounts), or accounts and balances of any savingstype account not associated with transaction deposit accounts
under a sweep program.
Average of monthly totals means the average of end-of-month
totals for 2015.
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2016 Depository and Financial Institutions Payments Survey
Balance ($)
Institution Profile
Please provide any relevant comments in the box below:
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2016 Depository and Financial Institutions Payments Survey
Check Payments
Note: Use your best available information to complete the survey for full calendar year 2015, including data for all affiliates. “Your
institution” refers to the entire enterprise including all affiliates (see page 3). Only report data associated with your institution's U.S.
domiciled accounts. The payee may be domestic or foreign. The data you provide will only be used to produce national aggregate
estimates of the volumes being measured. If you have additional information about your response that will help us produce these
estimates, please let us know in the comments box below.
1.
Did your institution process checks for an unaffiliated
depository institution as part of a correspondent banking
relationship during calendar year 2015?
Yes
No (Please report “0” for items
3a.2, 12a.2, and 12b.2 below.)
Don’t know
As a “correspondent bank,” your institution holds balances for an unaffiliated depository
institution in a due-to account and performs check clearing services on its behalf.
2.
3.
2a.
Checks drawn from consumer accounts
2b.
Checks drawn from business/government accounts
2015
Number
2015
Value ($)
All checks drawn on your institution (repeat item 2) = 3a + 3b
3b.
Checks drawn on your institution for which another
institution was the “bank of first deposit” = 3a.1+ 3a.2
3a.1.
Inclearings
3a.2.
“On-us” checks deposited by correspondent
customers
“On-us” checks for which your institution was the “bank of
first deposit”
Are you able to exclude non-check documents from the
volumes reported 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 slips).
5.
2015
Value ($)
All checks drawn on your institution = 2a + 2b
3a.
4.
2015
Number
Are you able to report checks deposited at one affiliate of your
institution but drawn on another affiliate of your institution as
on-us volume?
Yes
No
Don’t know
Yes
No
Don’t know
Some institutions call this “on-we” volume, which should be reported entirely under item
3b above if possible.
6.
Did your institution outsource check processing to another
organization (i.e., its “processor”) during calendar year 2015?
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2016 Depository and Financial Institutions Payments Survey
Yes
No
Don’t know
Check Payments
Please leave any relevant comments in the box below:
Note: There are further Check Payments questions in the Unauthorized Third-Party Payment Fraud section at the end of the
questionnaire. Please ensure you answer these questions or pass them onto the appropriate person.
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2016 Depository and Financial Institutions Payments Survey
Check Deposits
Note: Use your best available information to complete the survey for full calendar year 2015, including data for all affiliates. “Your
institution” refers to the entire enterprise including all affiliates (see page 3). Only report data associated with your institution's U.S.
domiciled accounts. The payor may be domestic or foreign. The data you provide will only be used to produce national aggregate
estimates of the volumes being measured. If you have additional information about your response that will help us produce these
estimates, please let us know in the comments box below.
7.
Did your institution accept image deposits from accountholders using any of the following
methods during calendar year 2015?
7a.
Remote scanner attached to a PC or point-of-sale (POS)
device
Yes
No
Don’t know
7b.
Smartphone or other mobile device
Yes
No (Please report “0” for item
12a.1.1.a) below.)
Don’t know
7c.
8.
9.
ATM image capture (envelope-free deposits)
Yes
No
Don’t know
Did your institution or a client create checks for collection on
behalf of the payee (remotely created checks) during calendar
year 2015?
Yes
No (Please report “0” for item
Did your institution take part in an ATM-sharing agreement
during calendar year 2015?
Yes
No (Please report “0” for item
13a below.)
Don’t know
12b.1.3.2 below.)
Don’t know
10.
Did your institution take part in a shared branching agreement
during calendar year 2015?
Yes (Please be sure to include
only your portion of deposited
checks in the volumes you report
below.)
No
Don’t know
2015
Number
11.
All checks deposited at your institution = 11a + 11b
11a. Checks deposited by consumer accountholders
11b. Checks deposited by business/government accountholders
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2016 Depository and Financial Institutions Payments Survey
2015
Value ($)
Check Deposits
12.
2015
Number
2015
Value ($)
2015
Number
2015
Value ($)
All checks deposited at your institution (repeat item 11)
= 12a + 12b
12a. Image check deposits = 12a.1+ 12a.2
12a.1. Checks deposited via client image capture
= 12a.1.1 + 12a.1.2
12a.1.1. Checks deposited by consumer
accountholders via client image
capture = a) + b)
a) Checks deposited by consumer
accountholders using a mobile
device
b) All other checks deposited by
consumer accountholders via client
image capture
12a.1.2. Checks deposited by business/government
accountholders via client image capture
12a.2. Correspondent checks deposited via image
capture/image cash letter
12b. Paper check deposits = 12b.1 + 12b.2
12b.1. Paper checks deposited by accountholders (other
than correspondent customers)
= 12b.1.1 + 12b.1.2 + 12b.1.3
12b.1.1. Over-the-counter paper check deposits
Paper check deposits at bank lobby teller window,
drive-through teller, or night drop.
12b.1.2. Wholesale vault paper check deposits
Paper check deposits at armored carrier.
12b.1.3. ATM paper check deposits
= 12b.1.3.1 + 12b.1.3.2
12b.1.3.1. On-us ATM deposits = a) + b)
a) Checks imaged by an ATM as part of
the deposit process
b) Other checks
12b.1.3.2. “Foreign” ATM deposits (your
institution’s accountholder,
“foreign” ATM through an ATMsharing program)
12b.2. Correspondent checks deposited via paper
check/cash letter
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2016 Depository and Financial Institutions Payments Survey
Check Deposits
2015
Number
13.
2015
Value ($)
All checks deposited at your institution (repeat items 11 & 12)
= 13a + 13b
13a. Remotely created checks = 13a.1 + 13a.2
13a.1. Remotely created checks for which your institution
is the payee (e.g., checks created to collect fees or
debt payments)
13a.2. Remotely created checks for which your
accountholder is the payee
13b. All other checks deposited at your institution
Please leave any relevant comments in the box below:
Note: There are further Check Deposits questions in the Unauthorized Third-Party Payment Fraud section at the end of the
questionnaire. Please ensure you answer these questions or pass them onto the appropriate person.
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2016 Depository and Financial Institutions Payments Survey
Check Returns
Note: Use your best available information to complete the survey for full calendar year 2015, including data for all affiliates. “Your
institution” refers to the entire enterprise including all affiliates (see page 3). Only report data associated with your institution's U.S.
domiciled accounts. The payee may be domestic or foreign. The data you provide will only be used to produce national aggregate
estimates of the volumes being measured. If you have additional information about your response that will help us produce these
estimates, please let us know in the comments box below.
14.
2015
Number
2015
Value ($)
2015
Number
2015
Value ($)
Outgoing and “on-us” returned checks = 14a + 14b
Checks drawn on your institution that it returned unpaid to another institution or to your
institution’s accountholder.
14a. Checks your institution returned unpaid to the collecting
institution
14b. “On-us” checks your institution returned unpaid to your
institution’s accountholder
15.
Outgoing and “on-us” returned checks (repeat item 14)
= 15a + 15b + 15c + 15d
15a. Unauthorized = 15a.1 + 15a.2 + 15a.3
15a.1. Remotely created checks
15a.2. Forgery/suspected forgery
15a.3. Other unauthorized
15b. Nonsufficient funds
15c. Duplicate presentment
15d. Other (including administrative returns)
Please leave any relevant comments in the box below:
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2016 Depository and Financial Institutions Payments Survey
ACH Profile
Note: Use your best available information to complete the survey for full calendar year 2015, including data for all affiliates. “Your
institution” refers to the entire enterprise including all affiliates (see page 3). Only report data associated with your institution's U.S.
domiciled accounts. If your institution’s accountholder is the payor, then the payee may be domestic or foreign. If your institution’s
accountholder is the payee, then the payor may be domestic or foreign. The data you provide will only be used to produce national
aggregate estimates of the volumes being measured. If you have additional information about your response that will help us produce
these estimates, please let us know in the comments box below.
1.
Did your institution originate ACH credits (not returns) during
calendar year 2015?
Yes
No (Please report ACH credit
return entries your institution
originated in items 9 and 10
below.)
Don’t know
2.
Did your institution originate ACH debits (not returns) during
calendar year 2015?
Yes
No (Please report ACH debit
return entries your institution
originated in item 14 below.)
.
Don’t know
Note: If your answer is “No” to item 1 and item 2 above, please report “We are not an ODFI” to items 4 through 8 below.
3.
Did your institution originate ACH entries on behalf of an
unaffiliated depository institution during calendar year 2015?
Yes
No
Don’t know
Balanced file and offset entry
An offset ACH entry is an on-us entry 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).
Network ACH entry
A network ACH entry is one that is cleared through a network operator (i.e., the Fed or EPN). Also include any direct send
volume presented to another institution.
In-house on-us ACH entry
An in-house on-us ACH entry is one for which your institution is both the ODFI and the RDFI without the use of a network
operator (i.e., 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).
4.
As an ODFI, did your institution receive balanced files from
business/government accountholders during calendar year
2015?
We are not an ODFI
Yes
No
Don’t know
5.
As an ODFI, did your institution receive regular (non-balanced)
files from business/government accountholders during calendar
year 2015?
We are not an ODFI
Yes
No
Don’t know
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2016 Depository and Financial Institutions Payments Survey
ACH Profile
6.
As an ODFI, how did your institution internally post ACH
transactions so that funds were debited or credited to the
correct accounts during calendar year 2015?
(Check all that apply.)
We are not an ODFI
Offset entries internally
through our ACH system
Offset entries through the
ACH network (i.e., Fed or
EPN)
Offset entries through
another internal funds
transfer method (e.g., book
transfers)
Don’t know
7.
Did your institution originate network on-us ACH credit entries
(on-us processed via an ACH network operator) during calendar
year 2015?
We are not an ODFI
Yes
No (Please report “0” for item
Network on-us ACH entries are network ACH entries for which your institution, along
with your affiliates, is both the ODFI and RDFI.
Don’t know
Did your institution originate network on-us ACH debit entries
(on-us processed via an ACH network operator) during calendar
year 2015?
We are not an ODFI
Yes
No (Please report “0” for item
Network on-us ACH entries are network ACH entries for which your institution, along
with your affiliates, is both the ODFI and RDFI.
Don’t know
8.
Please leave any relevant comments in the box below:
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2016 Depository and Financial Institutions Payments Survey
10a.1 below.)
12a.1 below.)
ACH Payments (You are the payor’s financial institution)
Note: Use your best available information to complete the survey for full calendar year 2015, including data for all affiliates. “Your
institution” refers to the entire enterprise including all affiliates (see page 3). Only report data associated with your institution's U.S.
domiciled accounts. The payee may be domestic or foreign. The data you provide will only be used to produce national aggregate
estimates of the volumes being measured. If you have additional information about your response that will help us produce these
estimates, please let us know in the comments box below.
9.
10.
2015
Number
2015
Value ($)
2015
Number
2015
Value ($)
2015
Number
2015
Value ($)
Total ACH credit entries your institution originated = 9a + 9b
9a.
ACH credit entries originated from consumer accounts
9b.
ACH credit entries originated from business/government
accounts
Total ACH credit entries your institution originated
(repeat item 9) = 10a + 10b
10a.
Network ACH credit entries originated = 10a.1 + 10a.2
If your answer is “Yes” to item 7 above, please include both interbank and
network on-us ACH credit entries.
10a.1 Network offset ACH credit entries originated
10a.2 Network non-offset ACH credit entries originated
10b.
In-house on-us ACH credit entries originated
= 10b.1 + 10b.2
10b.1 In-house on-us offset ACH credit entries originated
10b.2 In-house on-us non-offset ACH credit entries
originated
11.
Total ACH debit entries your institution received = 11a + 11b
11a.
ACH debit entries received for consumer accounts
11b.
ACH debit entries received for business/government
accounts
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2016 Depository and Financial Institutions Payments Survey
ACH Payments (You are the payor’s financial institution)
2015
Number
12.
2015
Value ($)
Total ACH debit entries your institution received
(repeat item 11) = 12a + 12b
12a.
Network ACH debit entries received = 12a.1 + 12a.2
If your answer is “Yes” to item 8 above, please include both interbank and
network on-us ACH debit entries.
12a.1 Network offset ACH debit entries received
12a.2 Network non-offset ACH debit entries received
12b.
In-house on-us ACH debit entries received = 12b.1 + 12b.2
12b.1 In-house on-us offset ACH debit entries received
12b.2 In-house on-us non-offset ACH debit entries
received
Please leave any relevant comments in the box below:
Note: There are further ACH Payments (You are the payor’s financial institution) questions in the Unauthorized Third-Party Payment
Fraud section at the end of the questionnaire. Please ensure you answer these questions or pass them onto the appropriate person.
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2016 Depository and Financial Institutions Payments Survey
ACH Payments (You are the payee’s financial institution)
Note: Use your best available information to complete the survey for full calendar year 2015, including data for all affiliates. “Your
institution” refers to the entire enterprise including all affiliates (see page 3). Only report data associated with your institution's U.S.
domiciled accounts. The payor may be domestic or foreign. The data you provide will only be used to produce national aggregate
estimates of the volumes being measured. If you have additional information about your response that will help us produce these
estimates, please let us know in the comments box below.
13.
2015
Number
2015
Value ($)
2015
Number
2015
Value ($)
Total ACH credit entries your institution received
Include network ACH credit entries your institution received and in-house on-us ACH
credit entries (item 10b above).
14.
Total ACH debit entries your institution originated
Include network ACH debit entries your institution originated and in-house on-us ACH
debit entries (item 12b above).
Please leave any relevant comments in the box below:
Note: There are further ACH Payments (You are the payee’s financial institution) questions in the Unauthorized Third-Party Payment
Fraud section at the end of the questionnaire. Please ensure you answer these questions or pass them onto the appropriate person.
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2016 Depository and Financial Institutions Payments Survey
ACH Returns
Note: Use your best available information to complete the survey for full calendar year 2015, including data for all affiliates. “Your
institution” refers to the entire enterprise including all affiliates (see page 3). Only report data associated with your institution's U.S.
domiciled accounts. If your institution’s accountholder is the payor, then the payee may be domestic or foreign. If your institution’s
accountholder is the payee, then the payor may be domestic or foreign. The data you provide will only be used to produce national
aggregate estimates of the volumes being measured. If you have additional information about your response that will help us produce
these estimates, please let us know in the comments box below.
15.
2015
Number
2015
Value ($)
2015
Number
2015
Value ($)
2015
Number
2015
Value ($)
ACH outgoing debit returns (i.e., debit return entries your
institution originated including “on-us” debit returns)
= 15a + 15b (You are the payor’s financial institution for the original debit entry.)
15a. ACH debit entries your institution returned unpaid to
another collecting institution
15b. “On-us” ACH debit entries your institution returned unpaid
to your institution’s accountholder
16.
ACH outgoing debit returns (i.e., debit return entries your
institution originated including “on-us” debit returns)
(repeat item 15) = 16a + 16b
(You are the payor’s financial institution for the original debit entry.)
16a. Unauthorized = 16a.1 + 16a.2
16a.1. Fraud/suspected fraud
16a.2. Other unauthorized
16b. Authorized = 16b.1 + 16b.2
16b.1. Nonsufficient funds
16b.2. Other authorized (including administrative returns)
17.
ACH incoming debit returns (i.e., debit return entries your
institution received including “on-us” debit returns)
= 17a + 17b (You are the payee’s financial institution for the original debit entry.)
17a. ACH debit entries your institution received unpaid by
another paying institution
17b. “On-us” ACH debit entries your institution returned unpaid
to your institution’s accountholder (repeat item 15b)
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2016 Depository and Financial Institutions Payments Survey
ACH Returns
2015
Number
18.
ACH incoming debit returns (i.e., debit return entries your
institution received including “on-us” debit returns)
(repeat item 17) = 18a + 18b
(You are the payee’s financial institution for the original debit entry.)
18a. Unauthorized = 18a.1 + 18a.2
18a.1. Fraud/suspected fraud
18a.2. Other unauthorized
18b. Authorized = 18b.1 + 18b.2
18b.1. Nonsufficient funds
18b.2. Other authorized (including administrative returns)
Please leave any relevant comments in the box below:
19
2016 Depository and Financial Institutions Payments Survey
2015
Value ($)
Wire Transfers Originated (Outgoing)
Note: Use your best available information to complete the survey for full calendar year 2015, including data for all affiliates. “Your
institution” refers to the entire enterprise including all affiliates (see page 3). Only report data associated with your institution's U.S.
domiciled accounts. The payee may be domestic or foreign. The data you provide will only be used to produce national aggregate
estimates of the volumes being measured. If you have additional information about your response that will help us produce these
estimates, please let us know in the comments box below.
Wire transfer originations (Outgoing)
Include: All wire transfers originated by your institution’s U.S. domiciled accountholders with either a domestic or foreign
beneficiary. Include funds transfers originated using the large-value systems (i.e., Fedwire and CHIPS). Include payments that
your institution’s accountholders submitted and settled through these systems directly or through a correspondent. Include book
transfers (i.e., internal transfers using your institution’s wire platform).
Do not include: Wire transfers your institution originated on behalf of an unaffiliated depository institution (i.e., correspondent
volume).
1.
Did your institution originate wires on behalf of an unaffiliated
depository institution during calendar year 2015 (i.e.,
correspondent volume)?
1a.
2.
3.
Are you able to exclude these volumes from your answers
below?
Yes
No
Don’t know
Yes, in all cases
Yes, in some cases
No
Don’t know
Did an unaffiliated depository institution originate wires on
behalf of your institution during calendar year 2015?
Yes
No
Don’t know
2a.
Are you able to include these volumes in your answers
below?
Yes, in all cases
Yes, in some cases
No
Don’t know
2015
Number
2015
Value ($)
2015
Number
2015
Value ($)
Total wire transfer originations (outgoing) = 3a + 3b
3a.
Sent through a network (e.g., Fedwire or CHIPS) or a
correspondent bank
3b.
Book transfers (i.e., internal transfers using your
institution’s wire platform)
Equal to item 8b below in the Wire Transfers Received (Incoming) section below.
4.
Total wire transfer originations (outgoing) (repeat item 3)
= 4a + 4b
4a.
Consumer originated wire transfers
4b.
Business/government originated wire transfers
= 4b.1 + 4b.2
4b.1. Settlement/bank business originated wire transfers
4b.2. All other business/government originated wire
transfers
20
2016 Depository and Financial Institutions Payments Survey
Wire Transfers Originated (Outgoing)
2015
Number
5.
2015
Value ($)
Total wire transfer originations (outgoing) (repeat items 3 & 4)
= 5a + 5b
5a.
Domestic (U.S.) payee
5b.
Foreign payee = 5b.1 + 5b.2
5b.1. Consumer originated foreign transfers
5b.2. Business/government originated foreign transfers
Please leave any relevant comments in the box below:
Note: There are further Wire Transfers Originated (Outgoing) questions in the Unauthorized Third-Party Payment Fraud section at
the end of the questionnaire. Please ensure you answer these questions or pass them onto the appropriate person.
21
2016 Depository and Financial Institutions Payments Survey
Wire Transfers Received (Incoming)
Note: Use your best available information to complete the survey for full calendar year 2015, including data for all affiliates. “Your
institution” refers to the entire enterprise including all affiliates (see page 3). Only report data associated with your institution's U.S.
domiciled accounts. The payor may be domestic or foreign. The data you provide will only be used to produce national aggregate
estimates of the volumes being measured. If you have additional information about your response that will help us produce these
estimates, please let us know in the comments box below.
Wire transfer receipts (incoming)
Include: All wire transfers received by your institution’s U.S. domiciled accountholders with either a domestic or foreign wiresender. Include funds transfers received using the large-value systems (i.e., Fedwire and CHIPS). Include payments that your
institution’s accountholders received and settled through these systems directly or through a correspondent. Include book
transfers (i.e., internal transfers using your institution’s wire platform).
Do not include: Wire transfers your institution received on behalf of an unaffiliated depository institution (i.e., correspondent
volume).
6.
Did your institution receive wires on behalf of an unaffiliated
depository institution during calendar year 2015 (i.e.,
correspondent volume)?
6a.
7.
Did an unaffiliated depository institution receive wires on
behalf of your institution during calendar year 2015?
7a.
8.
Are you able to exclude these volumes from your answers
below?
Are you able to include these volumes from your answers
below?
Yes
No
Don’t know
Yes, in all cases
Yes, in some cases
No
Don’t know
Yes
No
Don’t know
Yes, in all cases
Yes, in some cases
No
Don’t know
2015
Number
2015
Value ($)
2015
Number
2015
Value ($)
Total wire transfer receipts (incoming) = 8a + 8b
8a.
8b.
Sent through a network (e.g., Fedwire or CHIPS) or a
correspondent bank
Book transfers (i.e., internal transfers using your
institution’s wire platform)
Equal to item 3b above in the Wire Transfers Originated (Outgoing) section
above.
9.
Total wire transfer receipts (incoming) (repeat item 8)
= 9a + 9b
9a.
Consumer received wire transfers
9b.
Business/government received wire transfers = 9b.1 + 9b.2
9b.1. Settlement/bank business received wire transfers
9b.2. All other business/government received wire
transfers
22
2016 Depository and Financial Institutions Payments Survey
Wire Transfers Received (Incoming)
2015
Number
10.
Total wire transfer receipts (incoming) (repeat items 8 & 9)
= 10a + 10b
10a. Domestic (U.S.) payor
10b. Foreign payor = 10b.1 + 10b.2
10b.1. Consumer received foreign transfers
10b.2. Business/government received foreign transfers
Please leave any relevant comments in the box below:
23
2016 Depository and Financial Institutions Payments Survey
2015
Value ($)
General-Purpose Debit and Prepaid Cards
Note: Use your best available information to complete the survey for full calendar year 2015, including data for all affiliates. “Your
institution” refers to the entire enterprise including all affiliates (see page 3). Only report data associated with your institution's U.S.
domiciled accounts. The payee may be domestic or foreign. The data you provide will only be used to produce national aggregate
estimates of the volumes being measured. If you have additional information about your response that will help us produce these
estimates, please let us know in the comments box below.
1.
Was your institution an issuer of general-purpose debit
cards during calendar year 2015?
Yes
No (Please report “0” for items 2, 7a,
General-purpose debit cards access funds in the transaction deposit accounts
reported in the Institution Profile section above and are processed through any
debit card networks. Do not include cards used only to withdraw cash from
ATMs.
Don’t know
8, and 11a below.)
Average of monthly totals
in 2015
2.
Number of general-purpose debit cards
In force
(Average of monthly totals in 2015)
For cards in force, report only cards that had been
issued by your institution, activated by your institution’s
accountholders, and had not expired at the end of a
month.
For cards with purchase activity, report only
cards in force that were used to make at least one pointof-sale (POS) and/or bill payment in a month.
With
purchase
activity
Chip
enabled
Total = a) + b)
a) Consumer
b) Business/
government
For chip-enabled cards, report only cards in force
with chip technology (e.g., EMV or RFID chip-enabled
cards or other form factors).
Report debit cards associated with transaction deposit
accounts reported in the Institution Profile section.
Average of monthly totals means the average of end-ofmonth totals for each of the months in 2015.
3.
4.
Was your institution an issuer of general-purpose prepaid cards
during calendar year 2015?
Yes
No (Please report “0” for items
General-purpose prepaid cards are processed through any of the debit card networks.
Don’t know
Did your institution offer its customers general-purpose prepaid
cards issued by another financial institution during calendar
year 2015? If your answer is “Yes”, please do not include these
cards (or associated transactions) in your answers below.
Yes
No
Don’t know
5, 6, 7b, 9, 10, and 11b below.)
Average of monthly totals
in 2015
5.
General-purpose prepaid card program accounts
(Average of monthly totals in 2015)
Include: Accounts for both reloadable and nonreloadable general-purpose prepaid cards for which
your institution was the issuer. Include card programs
managed by your institution and card programs
managed by a third-party.
Average of monthly totals means the average of end-ofmonth totals for each of the months in 2015.
Total = a) + b)
a) Reloadable
b) Non-reloadable
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2016 Depository and Financial Institutions Payments Survey
Number
of accounts
Funds
outstanding
General-Purpose Debit and Prepaid Cards
6.
Average of monthly totals
in 2015
With
Chip
purchase
In force
enabled
activity
Number of general-purpose prepaid cards
(Average of monthly totals in 2015)
For cards in force, report only cards that had been
issued by your institution, activated by your institution’s
accountholders, and had not expired at the end of a
month.
For cards with purchase activity, report only
cards in force that were used to make at least one pointof-sale (POS) and/or bill payment in a month.
Total = a) + b)
a) Reloadable
b) Non-reloadable
For chip-enabled cards, report only cards in force
with chip technology (e.g., EMV or RFID chip-enabled
cards or other form factors).
Average of monthly totals means the average of end-ofmonth totals for each of the months in 2015.
7.
2015
Number
2015
Value ($)
2015
Number
2015
Value ($)
Total general-purpose debit and prepaid card transactions
= 7a + 7b
7a.
General-purpose debit card transactions = 7a.1 + 7a.2
7a.1. Transactions from consumer accounts
7a.2. Transactions from business/government accounts
7b.
8.
General-purpose prepaid card transactions
General-purpose debit card transactions (repeat item 7a)
= 8a + 8b
8a.
Card-present transactions = 8a.1 + 8a.2 + 8a.3
8a.1. Signature-authenticated transactions
8a.2. PIN-authenticated transactions
Include transactions processed over traditional signature debit networks
(e.g., Visa, MasterCard)
8a.3. Other
Include low-value transactions for which no signature is required.
8b.
Card-not-present transactions
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2016 Depository and Financial Institutions Payments Survey
General-Purpose Debit and Prepaid Cards
9.
2015
Number
2015
Value ($)
2015
Number
2015
Value ($)
2015
Number
2015
Value ($)
General-purpose prepaid card transactions (repeat item 7b)
= 9a + 9b
9a.
Card-present transactions = 9a.1 + 9a.2 + 9a.3
9a.1. Signature-authenticated transactions
9a.2. PIN-authenticated transactions
Include transactions processed over traditional signature prepaid
networks (e.g., Visa, MasterCard).
9a.3. Other
Include low-value transactions for which no signature is required.
9b.
10.
Card-not-present transactions
General-purpose prepaid card transactions
(repeat items 7b & 9) = 10a + 10b
10a. Reloadable prepaid card transactions
10b. Non-reloadable prepaid card transactions
11.
Total cash-back transactions = 11a + 11b
11a. General-purpose debit card cash-back transactions made
from transaction deposit accounts
11b. General-purpose prepaid card cash-back transactions
Please leave any relevant comments in the box below:
Note: There are further General-Purpose Debit and Prepaid Cards questions in the Unauthorized Third-Party Payment Fraud section
at the end of the questionnaire. Please ensure you answer these questions or pass them onto the appropriate person.
26
2016 Depository and Financial Institutions Payments Survey
General-Purpose Credit Cards
Note: Use your best available information to complete the survey for full calendar year 2015, including data for all affiliates. “Your
institution” refers to the entire enterprise including all affiliates (see page 3). Only report data associated with your institution's U.S.
domiciled accounts. The payee may be domestic or foreign. The data you provide will only be used to produce national aggregate
estimates of the volumes being measured. If you have additional information about your response that will help us produce these
estimates, please let us know in the comments box below.
1.
Was your institution an issuer of general-purpose credit
cards during calendar year 2015?
Yes
No (Please report “0” for all items
General-purpose credit cards are credit cards and charge cards for which
your institution own the receivables and that use any one of the four major
credit card networks (i.e., Visa, MasterCard, American Express, and Discover).
Don’t know
below.)
Average of monthly totals
in 2015
2.
General-purpose credit card accounts
Number
(Average of monthly totals in 2015)
Include: Unsecured and secured general-purpose credit
and charge card accounts (Visa, MasterCard, American
Express, or Discover) for which your institution owned the
receivables.
Average of monthly totals means the average of end-ofmonth totals for each of the months in 2015.
Balances ($)
Total = a) + b)
a) Consumer
b) Business/
government
Average of monthly totals
in 2015
3.
Consumer general-purpose credit card accounts
Number
(Average of monthly totals in 2015)
Include: Consumer general-purpose credit accounts with
revolving balances and/or current balances.
Revolving balances are the portion for which the
transaction posted prior to the current statement period.
Current balances are the portion for which the
transaction posted during the current period.
Average of monthly total means the average of end-ofmonth totals for each of the months in 2015.
4.
Total a) + b)
a) With current
balances only
b) With revolving
balances
Average of monthly totals
in 2015
With
Chip
purchase
In force
enabled
activity
Number of general-purpose credit cards
(Average of monthly totals in 2015)
For cards in force, report only cards that had been
issued by your institution, activated by your institution’s
accountholders, and had not expired at the end of a month.
For cards with purchase activity, report only cards
that were used to make at least one point-of-sale (POS)
and/or bill payment in a month.
For chip-enabled cards, report only cards with chip
technology (e.g., EMV or RFID chip-enabled cards or other
form factors).
Average of monthly totals means the average of end-ofmonth totals for each of the months in 2015.
Balances ($)
Total = a) + b)
a) Consumer
b) Business/
government
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2016 Depository and Financial Institutions Payments Survey
General-Purpose Credit Cards
5.
2015
Number
2015
Value ($)
2015
Number
2015
Value ($)
2015
Number
2015
Value ($)
Total general-purpose credit card network transactions
= 5a + 5b
5a.
Transactions from consumer accounts = 5a.1 + 5a.2
5a.1. Purchase transactions
5a.2. ATM and over-the-counter cash advances
5b.
Transactions from business/government accounts
= 5b.1 + 5b.2
5b.1. Purchase transactions
5b.2. ATM and over-the-counter cash advances
6.
Total general-purpose credit card network transactions
(repeat item 5) = 6a + 6b
6a.
Card-present transactions = 6a.1 + 6a.2 + 6a.3
6a.1. Signature-authenticated transactions
6a.2. PIN-authenticated transactions
Include transactions processed over traditional signature credit
networks (e.g., Visa, MasterCard).
6a.3. Other
Include low-value transactions for which no signature is required.
6b.
7.
Card-not-present transactions
Total general-purpose credit card non-network transactions
= 7a + 7b + 7c
7a.
Balance transfers
7b.
Convenience checks
7c.
Other
28
2016 Depository and Financial Institutions Payments Survey
General-Purpose Credit Cards
Please leave any relevant comments in the box below:
Note: There are further General-Purpose Credit Cards questions in the Unauthorized Third-Party Payment Fraud section at the end
of the questionnaire. Please ensure you answer these questions or pass them onto the appropriate person.
29
2016 Depository and Financial Institutions Payments Survey
Cash Withdrawals
Note: Use your best available information to complete the survey for full calendar year 2015, including data for all affiliates. “Your
institution” refers to the entire enterprise including all affiliates (see page 3). Only report data associated with your institution's U.S.
domiciled accounts. The data you provide will only be used to produce national aggregate estimates of the volumes being measured.
If you have additional information about your response that will help us produce these estimates, please let us know in the comments
box below.
1.
Did your institution outsource vault operations during calendar
year 2015?
Yes
No
Don’t know
1a.
Yes
No (Please report “0” for item 9b
Are you able to report outsourced vault operations
volumes?
below.)
Don’t know
2.
Did your institution take part in an ATM-sharing agreement
during calendar year 2015?
Yes
No (Please report “0” for item
11d.2 below.)
Don’t know
3.
Did your institution take part in a shared-branching agreement
during calendar year 2015?
Yes (Please be sure to include
only your portion of cash
withdrawals in the volumes you
report below.)
No
Don’t know
4.
5.
Did your institution offer remote currency management
terminals (RCMTs) or “smart safes” to your merchant
customers during calendar year 2015?
Yes
No (Please report “0” for items 9c
Did your institution use cash recyclers at your teller window in
order to process cash deposits during calendar year 2015?
Yes (Please include these
and 11c below.)
Don’t know
volumes in items 9a and 11a. Do
NOT include in items 9c and 11c.
Be sure not to double count.)
No
Don’t know
6.
Number of debit cards (include both typical ATM and ATM-only
cards with ATM access)
(Average of monthly totals in 2015)
Average of monthly totals
in 2015
With ATM
withdrawal
In force
activity
For cards in force, report only cards that had been issued by your institution,
activated by your institution’s accountholders, and had not expired at the end of a
month.
Average of monthly totals means the average of end-of-month totals for each of the
months in 2015.
7.
Number of prepaid cards with ATM access
(Average of monthly totals in 2015)
For cards in force, report only cards that had been issued by your institution,
activated by your institution’s accountholders, and had not expired at the end of a
month.
Average of monthly totals means the average of end-of-month totals for each of the
months in 2015.
30
2016 Depository and Financial Institutions Payments Survey
Average of monthly totals
in 2015
With ATM
withdrawal
In force
activity
Cash Withdrawals
8.
2015
Number
2015
Value ($)
2015
Number
2015
Value ($)
Total cash withdrawals from your institution= 8a + 8b
8a.
Cash withdrawals from deposit accounts = 8a.1 + 8a.2
8a.1. Cash withdrawals from consumer accounts
8a.2. Cash withdrawals from business/government
accounts
8b.
9.
Cash withdrawals from prepaid card program accounts
Total cash withdrawals from your institution (repeat item 8)
= 9a + 9b + 9c + 9d
9a.
Over-the-counter cash withdrawals
Cash withdrawals made at bank lobby teller window or drive through teller.
9b.
Cash orders at wholesale vaults
Cash withdrawals made at wholesale cash vaults including those handled
through armored carriers.
9c.
Cash withdrawals made at remote currency management
terminals (RCMTs)
Cash withdrawals made at RCMTs at merchant customer locations.
9d.
ATM cash withdrawals (your institution’s accountholder,
any ATM) = 9d.1 + 9d.2
9d.1. On-us ATM withdrawals (your institution’s
accountholder, your institution’s ATM)
9d.2. “Foreign” ATM withdrawals (your institution’s
accountholder, “foreign” ATM)
Please leave any relevant comments in the box below:
Note: There are further Cash Withdrawals questions in the Unauthorized Third-Party Payment Fraud section at the end of the
questionnaire. Please ensure you answer these questions or pass them onto the appropriate person.
31
2016 Depository and Financial Institutions Payments Survey
Cash Deposits
Note: Use your best available information to complete the survey for full calendar year 2015, including data for all affiliates. “Your
institution” refers to the entire enterprise including all affiliates (see page 3). Only report data associated with your institution's U.S.
domiciled accounts. The data you provide will only be used to produce national aggregate estimates of the volumes being measured.
If you have additional information about your response that will help us produce these estimates, please let us know in the comments
box below.
10.
2015
Number
2015
Value ($)
2015
Number
2015
Value ($)
Total cash deposited at your institution = 10a + 10b
10a. Cash deposits to deposit accounts = 10a.1 + 10a.2
10a.1. Cash deposits to consumer accounts
10a.2. Cash deposits to business/government accounts
10b. Cash deposits to prepaid card program accounts
11.
Total cash deposited at your institution (repeat item 10)
= 11a + 11b + 11c + 11d
11a. Over-the-counter cash deposits
Cash deposits made at bank lobby teller window, drive through teller, or night
drop.
11b. Cash deposits at wholesale vaults
Cash deposits made at wholesale cash vaults including those handled through
armored carriers.
11c. Cash deposits made at remote currency management
terminals (RCMTs)
Cash deposits made at RCMTs at merchant customer locations.
11d. ATM cash deposits = 11d.1 + 11d.2
11d.1. On-us ATM deposits (your institution’s
accountholder, your institution’s ATM)
11d.2. “Foreign” ATM deposits (your institution’s
accountholder, “foreign” ATM)
Please leave any relevant comments in the box below:
32
2016 Depository and Financial Institutions Payments Survey
Cash Terminals
Note: Use your best available information to complete the survey for full calendar year 2015, including data for all affiliates. “Your
institution” refers to the entire enterprise including all affiliates (see page 3). Only report data associated with your institution's U.S.
domiciled accounts. The data you provide will only be used to produce national aggregate estimates of the volumes being measured.
If you have additional information about your response that will help us produce these estimates, please let us know in the comments
box below.
12.
Did your institution sponsor ATMs managed by an independent
service operator (ISO) during calendar year 2015?
Yes
No (Please report “0” for items
13a.2 and 13b.2 below.)
Don’t know
12a. Did some of these ATMs carry your institution’s brand?
Yes
No
Don’t know
12a.1. Are you able to report these ATMs below?
Yes
No
Don’t know
12b. Did some of these ATMs carry a different brand?
Yes
No
Don’t know
12b.1. Are you able to report these ATMs below?
Yes
No
Don’t know
Average of monthly totals
in 2015
Active
13.
Total number of active ATM terminals = 13a + 13b
(Average of monthly totals in 2015)
Include: 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 and offsite ATM terminals.
Do not include: ATM terminals not sponsored by your institution.
Active terminals are terminals that are used to make at least one transaction in a
month.
Average of monthly totals means the average of end-of-month totals for each of the
months in 2015.
13a. ATM terminals at your branch locations = 13a.1 + 13a.2
13a.1. ATMs owned by your institution
13a.2. ATMs sponsored by your institution, owned or
operated by an independent service operator
13b. Offsite ATM terminals = 13b.1 + 13b.2
13b.1. ATMs owned by your institution
13b.2. ATMs sponsored by your institution, owned or
operated by an independent service operator
33
2016 Depository and Financial Institutions Payments Survey
Cash Terminals
14.
Total number of remote currency management terminals
(RCMTs) at merchant locations
(Average of monthly totals in 2015)
Active terminals are terminals that are used to make at least one transaction in a
month.
Average of monthly totals means the average of end-of-month totals for each of the
months in 2015.
Please leave any relevant comments in the box below:
34
2016 Depository and Financial Institutions Payments Survey
Average of monthly totals
in 2015
Active
Total
Alternative Payment Initiation Methods
Note: Use your best available information to complete the survey for full calendar year 2015, including data for all affiliates. “Your
institution” refers to the entire enterprise including all affiliates (see page 3). Only report data associated with your institution's U.S.
domiciled accounts. The payee may be domestic or foreign. The data you provide will only be used to produce national aggregate
estimates of the volumes being measured. If you have additional information about your response that will help us produce these
estimates, please let us know in the comments box below.
1.
2.
3.
4.
5.
Did your institution offer online or mobile consumer bill
payments during calendar year 2015?
Yes
No (Please report “0” for item 3
Online or mobile bill payments include transactions paid from accounts at your
institution and initiated via your institution’s website. Do not include payments made
through the biller’s website.
Don’t know
Did your institution offer an online or mobile person-to-person
(P2P), business-to-person (B2P) or business-to-business (B2B)
funds transfer system during calendar year 2015?
Yes
No (Please report “0” for items 4,
below.)
5, and 6 below.)
Don’t know
2015
Number
2015
Value ($)
2015
Number
2015
Value ($)
2015
Number
2015
Value ($)
Total online or mobile bill payment transactions initiated by
your institution’s consumer accountholders = 3a + 3b
3a.
Bill payment transactions initiated through a web browser
3b.
Bill payment transactions initiated through a mobile
application or SMS/text message
Total online or mobile person-to-person (P2P) transfers
= 4a + 4b
4a.
P2P transfers initiated through a web browser
4b.
P2P transfers initiated through a mobile application or
SMS/text message
Total online or mobile business/govt-to-person (B2P) transfers
= 5a + 5b
5a.
B2P transfers initiated through a web browser
5b.
B2P transfers initiated through a mobile application or
SMS/text message
35
2016 Depository and Financial Institutions Payments Survey
Alternative Payment Initiation Methods
2015
Number
6.
Total online or mobile business/govt-to-business/govt (B2B)
transfers = 6a + 6b
6a.
B2B transfers initiated through a web browser
6b.
B2B transfers initiated through a mobile application or
SMS/text message
Please leave any relevant comments in the box below:
36
2016 Depository and Financial Institutions Payments Survey
2015
Value ($)
Unauthorized Third-Party Payment Fraud
(You are the payor’s financial institution)
Note: Use your best available information to complete the survey for full calendar year 2015, including data for all affiliates. “Your
institution” refers to the entire enterprise including all affiliates (see page 3). Only report data associated with your institution's U.S.
domiciled accounts. The payee may be domestic or foreign. The data you provide will only be used to produce national aggregate
estimates of the volumes being measured. If you have additional information about your response that will help us produce these
estimates, please let us know in the comments box below.
Important: Include only transactions that were not authorized by your institution’s accountholders (third-party fraud) before any
recoveries or chargebacks. Do not include fraud prevented before a loss was incurred.
1.
2.
2015
Number
2015
Value ($)
2015
Number
2015
Value ($)
2015
Number
2015
Value ($)
2015
Number
2015
Value ($)
Checks drawn on your institution
ACH credit entries your institution originated
(You are the payor’s financial institution.)
3.
ACH debit entries your institution received
(You are the payor’s financial institution.)
4.
5.
Wire transfers your institution originated (outgoing)
General-purpose debit card network transactions = 5a + 5b
5a.
Card-present transactions = 5a.1 + 5a.2 + 5a.3
5a.1. Signature-authenticated transactions
5a.2. PIN-authenticated transactions
Include transactions processed over traditional signature debit
networks (e.g., Visa, MasterCard).
5a.3. Other
Include low-value transactions for which no signature is required.
5b.
Card-not-present transactions
37
2016 Depository and Financial Institutions Payments Survey
Unauthorized Third-Party Payment Fraud
(You are the payor’s financial institution)
6.
2015
Number
2015
Value ($)
2015
Number
2015
Value ($)
2015
Number
2015
Value ($)
General-purpose prepaid card network transactions = 6a + 6b
6a.
Card-present transactions = 6a.1 + 6a.2 + 6a.3
6a.1. Signature-authenticated transactions
6a.2. PIN-authenticated transactions
Include transactions processed over traditional signature prepaid
networks (e.g., Visa, MasterCard).
6a.3. Other
Include low-value transactions for which no signature is required.
6b.
7.
Card-not-present transactions
General-purpose credit card network transactions = 7a + 7b
7a.
Card-present transactions = 7a.1 + 7a.2 + 7a.3
7a.1. Signature-authenticated transactions
7a.2. PIN-authenticated transactions
Include transactions processed over traditional signature credit
networks (e.g., Visa, MasterCard).
7a.3. Other
Include low-value transactions for which no signature is required.
7b.
8.
Card-not-present transactions
ATM cash withdrawals (using your accountholder’s
card/information, at any ATM)
Please leave any relevant comments in the box below:
38
2016 Depository and Financial Institutions Payments Survey
Unauthorized Third-Party Payment Fraud
(You are the payee’s financial institution)
Note: Use your best available information to complete the survey for full calendar year 2015, including data for all affiliates. “Your
institution” refers to the entire enterprise including all affiliates (see page 3). Only report data associated with your institution's U.S.
domiciled accounts. The payor may be domestic or foreign. The data you provide will only be used to produce national aggregate
estimates of the volumes being measured. If you have additional information about your response that will help us produce these
estimates, please let us know in the comments box below.
Important: Include only transactions that were not authorized by accountholders at the paying institution (third-party fraud) before
any recoveries or chargebacks. Do not include fraud prevented before a loss was incurred.
9.
10.
2015
Value ($)
2015
Number
2015
Value ($)
Checks deposited at your institution
ACH credit entries your institution received
(You are the payee’s financial institution.)
11.
2015
Number
ACH debit entries your institution originated
(You are the payee’s financial institution.)
Please leave any relevant comments in the box below:
39
2016 Depository and Financial Institutions Payments Survey
| File Type | application/pdf |
| File Modified | 2016-03-28 |
| File Created | 2016-03-02 |