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The Federal Reserve Payments Study - Instructions
OMB No. 7100-0351
Approval expires xx/xx/2022
Institution ID Number 1234567
Example Depository Institution Name
2019 Federal Reserve Payments Study
Instructions
Thank you for participating in the 2019 Depository and Financial Institutions Payments Survey (DFIPS). This study provides critical data for understanding the
U.S. payments system, and your participation is greatly appreciated. If you have any questions, please feel free to contact us at TBD.
About the survey
The Federal Reserve 2019 Depository and Financial Institutions Payments Survey (DFIPS) 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 posted to customer accounts, and unauthorized third-party payments fraud against those
customer’s accounts that took place during calendar year 2018. 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 2019 survey to previous surveys
conducted since 2001.
The Federal Reserve
Survey Period: Calendar Year 2018
Thank you again for participating in the DFIPS. The Federal Reserve
2019 DFIPS includes:
Payments Study
Institution's affiliates
Institution profile
Check profile, payments, deposits, and outgoing returns
ACH profile, originations, receipts, and outgoing returns
Wire transfers originated and received
Non-prepaid debit cards
General-purpose prepaid cards
General-purpose credit cards
Cash withdrawals and deposits
Alternative payment initiation methods
>> Please respond by: TBD <<
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 2018. 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
2018, please request the necessary data from that organization or provide them with the survey so they may respond on behalf of your institution.
Public reporting burden for this collection of information is estimated to be an average of 22 hours per response, including the time to gather and maintain
data in the required form, to review the instructions and to complete the information collection. Send comments regarding this burden estimate or any other
aspect of this collection of information, including suggestions for reducing this burden, to: Secretary, Board of Governors of the Federal Reserve System, 20th
and C Streets, NW, Washington, DC 20551; and to the Office of Management and Budget, Paperwork Reduction Project (7100-0351), Washington, DC
20503.
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The Federal Reserve Payments Study - Instructions
2019 Federal Reserve Payments Study
Instructions (continued)
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, please 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, nonzero, and cannot be accurately estimated, please 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), please enter “0”.
Third-party fraudulent transactions
This survey includes questions about the volumes of unauthorized third-party fraud that cleared and settled via each payment type. Cleared and settled means
that payment instructions passed through the payment system and funds were transferred as a result. For "on-us" transactions, it is considered cleared and
settled if funds were made available to the receiving accountholder. The intent is not to measure actual fraud losses, although some of the included fraud would
result in losses. The purpose is also not to measure fraud attempts that were prevented before they were cleared and settled, and is not meant to include fraud
committed by the accountholder or other users authorized to make payments (first-party fraud). The purpose is to measure all unauthorized third-party fraudulent
transactions that cleared and settled for which funds subsequently became available to the perpetrator. Please report fraudulent transactions that cleared and
settled, for which claims were reported in calendar year 2018 (even if the fraud occurred in the prior year).
Please provide any comments in the box below:
The Federal Reserve Payments Study - Affiliates
Institution ID Number 1234567
Example Depository Institution Name
Affiliates
Instructions
This is an enterprise-wide survey. Throughout this survey instrument, “your institution” refers to the entire enterprise including all affiliates. For example, during 2018,
if your institution acquired or merged with another institution which is not listed, please report data for the combined enterprise; or if your institution began to process
combined volume before the end of 2018, please report data for the combined enterprise as if the merger had already occurred during 2018. For accurate statistical
estimation of national aggregate figures for full calendar year 2018, 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.
Please contact us at TBD if you have any questions or concerns about the items on this page.
Affiliates Profile
For each affiliate listed, please mark any sections where its data are included in your response. According to our records (as of December 31, 2018), the
following affiliated institutions should be included in your response. If you have included additional affiliates in your response, please report them in the empty
blue fields below and mark any sections where their data are included in your response.
1
A CHECK MARK INDICATES THAT THE AFFILIATE IS INCLUDED IN YOUR RESPONSE FOR THAT SECTION OF THE SURVEY. PLEASE UNMARK ANY
SECTION WHERE THE AFFILIATE IS NOT INCLUDED.
Name
City
State
Total deposit
balances (in
thousands of
dollars)*
Institution
Checks
Profile
TRUE
TRUE
TRUE
TRUE
TRUE
TRUE
TRUE
TRUE
TRUE
TRUE
TRUE
TRUE
TRUE
TRUE
TRUE
TRUE
FALSE
TRUE
Additional
Affiliates
* Deposit information as of December 31, 2018 obtained from the public regulatory reports.
Please provide any comments in the box below:
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ACH
TRUE
TRUE
TRUE
TRUE
TRUE
TRUE
TRUE
TRUE
TRUE
NonGeneral- GeneralPrepaid Purpose Purpose
Wire
Cash
Prepaid
Transfers Debit
Credit
Cards
Cards
Cards
TRUE
TRUE
TRUE
TRUE
TRUE
TRUE
TRUE
TRUE
TRUE
TRUE
TRUE
TRUE
TRUE
TRUE
TRUE
TRUE
TRUE
TRUE
TRUE
TRUE
TRUE
TRUE
TRUE
TRUE
TRUE
TRUE
TRUE
FALSE
TRUE
TRUE
TRUE
TRUE
TRUE
TRUE
TRUE
TRUE
TRUE
TRUE
TRUE
TRUE
TRUE
TRUE
TRUE
TRUE
TRUE
TRUE
Alternative
Payment
Initiation
Methods
TRUE
TRUE
TRUE
TRUE
TRUE
TRUE
TRUE
TRUE
TRUE
The Federal Reserve Payments Study - Institution Profile
Institution ID Number 1234567
Data element measured by survey
Comments box
Example Depository Institution Name
Institution Profile
Instructions
2018 Data
Please use your best available information to complete the survey for full calendar year 2018, 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.
Institution Profile
Transaction deposit accounts (including Demand Deposit Accounts (DDAs))
= 1.a + 1.b
1
Number
Balance ($)
(Average of monthly totals in 2018)
Include: Checking accounts, NOW accounts, and share draft accounts.
Do not include: Non-transaction accounts (savings accounts, money market accounts,
certificates of deposits), prepaid card program accounts, credit card accounts, accounts of
foreign governments and official institutions, or accounts of other depository institutions. Do
not include balances reported in item 3 (retail sweep program accounts) and item 5
(wholesale sweep program accounts) below.
Average of monthly totals means the average of end-of-month totals for each of the months in
2018.
1.a
Consumer accounts
Number
Balance ($)
1.b
Business/government accounts
Number
Balance ($)
2
Did your institution or any of its affiliates employ the use of a retail sweep program (i.e.,
reserve sweep program) during calendar year 2018?
In order to make national aggregate estimates, we use your institution’s deposit balances as a
sizing measure. Understanding if your institution used a retail sweep program will help inform
our estimates. In a retail sweep, depository institutions move unused funds from checkable
deposit accounts (both consumer and business/government) to special purpose money
market deposit accounts (MMDAs) and return the funds to checkable deposit accounts only
as needed to cover payments. This practice does not adversely impact the accountholder but
allows the institution to reduce nonearning assets. Do not consider wholesale sweep program
accounts (i.e., corporate sweep program accounts).
3
Retail sweep program accounts (i.e., reserve sweep program accounts)
= 3.a + 3.b
Number
Balance ($)
(Average of monthly totals in 2018)
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 1 above (transaction deposit accounts) and item 5 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 each of the months in
2018.
3.a
Consumer accounts
Number
Balance ($)
3.b
Business/government accounts
Number
Balance ($)
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The Federal Reserve Payments Study - Institution Profile
4
Did your institution provide a wholesale sweep program (i.e., corporate sweep program)
to your business accountholders during calendar year 2018?
Do not consider retail sweep program accounts (i.e., reserve sweep program accounts).
5
Wholesale sweep program accounts
(Average of monthly totals in 2018)
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 1 (transaction deposit accounts) and item 3 (retail 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 each of the months in
2018.
Number
Balance ($)
Please provide any comments in the box below:
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The Federal Reserve Payments Study - Checks
Institution ID Number 1234567
Data element measured by survey
Comments box
Repeated data element
(prepopulated from an earlier
question)
Example Depository Institution Name
Checks
Instructions
2018 Data
Please use your best available information to complete the survey for full calendar year 2018, 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.
This section includes questions on third-party fraudulent check transactions:
These are cleared and settled checks that a third party initiated without the authorization, agreement, or voluntary assistance of an authorized check signer with the
intent to deceive for personal gain. For "on-us" checks, it is considered cleared and settled if funds were made available to the receiving accountholder.
Include: All third-party fraudulent check transactions regardless of whether a loss is incurred.
Do not include: Fraud attempts that were prevented before the check was cleared and settled, fraud attempts that resulted in frozen funds (funds not made available
to the perpetrator), or fraud committed by your institution's accountholders (first-party fraud).
Check Profile
Did your institution outsource check processing to another organization (i.e., its
“processor”) during calendar year 2018?
1
1.a
If your answer is "Yes, in all cases" or “Yes, in some cases” to item 1 above, are
you able to include these outsourced portion in your answers below?
If your answer is “No" to item 1.a above, please explain in the comments box at the
end of this section.
2
Are you able to exclude non-check documents from "all checks drawn on your
institution" item 5 below?
Non-check documents are “other” items processed on check sorters (i.e., batch headers,
general ledger tickets, cash-in or cash-out tickets, deposit slips).
3
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 in item 5.b below?
Some institutions call this “on-we” volume, which should be reported entirely under item 5.b
below if possible.
4
Did your institution process checks for an unaffiliated depository institution as part of a
correspondent banking relationship during calendar year 2018?
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.
Check Payments
5
Total checks drawn on your institution = 5.a + 5.b
5.a
Number
Value ($)
Checks drawn on your institution for which another institution was the "bank of
first deposit" = 5.a.1 + 5.a.2
Number
Value ($)
5.a.1
Inclearings
Number
Value ($)
5.a.2
"On-us" checks deposited by correspondent customers
Number
Value ($)
5.b
“On-us” checks for which your institution was the “bank of first deposit”
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Number
Value ($)
The Federal Reserve Payments Study - Checks
6
Total checks drawn on your institution (repeat item 5) = 6.a + 6.b
Number
Value ($)
6.a
From consumer accounts
Number
Value ($)
6.b
From business/government accounts
Number
Value ($)
7
Third-party fraudulent checks drawn on your institution
Number
Value ($)
Check Deposits & Outgoing Returns
8
Total checks deposited at your institution
Number
Value ($)
9
Third-party fraudulent checks deposited at your institution
Number
Value ($)
10
Total outgoing and “on-us” returned checks = 10.a + 10.b
All checks drawn on your institution that it returned unpaid to another institution or to your
institution’s accountholder.
Number
Value ($)
10.a
Checks your institution returned unpaid to the collecting institution
Number
Value ($)
10.b
“On-us” checks your institution returned unpaid to your institution’s
accountholder
Number
Value ($)
11
Total outgoing and “on-us” returned checks (repeat item 10)
= 11.a + 11.b + 11.c + 11.d
Number
Value ($)
All checks drawn on your institution that it returned unpaid to another institution or to your
institution’s accountholder.
11.a
Unauthorized returned checks = 11.a.1 + 11.a.2 + 11.a.3
Number
Value ($)
11.a.1
Remotely created checks
Number
Value ($)
11.a.2
Forgery/suspected forgery
Number
Value ($)
11.a.3
Other unauthorized
Number
Value ($)
11.b
Nonsufficient funds
Number
Value ($)
11.c
Duplicate presentment
Number
Value ($)
11.d
Other (including administrative returns)
Number
Value ($)
Please provide any comments in the box below:
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The Federal Reserve Payments Study - ACH
Institution ID Number 1234567
Data element measured by survey
Comments box
Repeated data element
(prepopulated from an earlier
question)
Example Depository Institution Name
ACH
Instructions
2017
2018 Data
Please use your best available information to complete the survey for full calendar year 2018, 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
payer, then the payee may be domestic or foreign. If your institution’s accountholder is the payee, then the payer may be domestic or foreign. The data you provide
will only be used to produce national aggregate estimates of the volumes being measured.
Definitions:
• Originating Depository Financial Institution (ODFI): The Originating Depository Financial Institution (ODFI) is the financial institution that initiates and warrants
electronic payments through the ACH network (or on-us) on behalf of its customers
• Receiving Depository Financial Institution (RDFI): The Receiving Depository Financial Institution (RDFI) is the financial institution that provides depository
account services to individuals and organizations and accepts and posts electronic entries to those accounts
• Network ACH entries: A network ACH entry is one that is cleared through a network operator (i.e., the Federal Reserve or EPN). Please consider all network ACH
entries, including those for which your institution is both the ODFI and RDFI (i.e., network on-us ACH entries), and volume sent or received by a correspondent bank
on behalf of your institution via a network operator
• In-house on-us ACH entries: 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 Federal Reserve or EPN), for clearing or settlement. In-house on-us entries result in the movement of funds from one account to another within your
institution
• Direct exchange ACH entries: A direct exchange ACH entry is one that is exchanged directly between your institution and another. Some institutions call these
“direct send” entries. Direct exchange does not include volume sent or received by a correspondent bank on behalf of your institution. Correspondent volume should
be included with Network ACH entries
• Offset entries: 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 credit entries for
$1,000 each for a corporate accountholder, an ODFI might originate a single $100,000 debit entry to draw funds from the originator’s funding account
• Balanced files: Balanced files contain offsetting entries that automatically credit or debit the customer’s Demand Deposit Account (DDA) for the debit and/or credit
transactions on the file. The debit and credit offset entries should equal the value of the credit and debit originated entries respectively in the received file from the
accountholder
• Unbalanced files: Unbalanced files do not have an offsetting entry that automatically credits or debits the customer’s DDA for the debit and/or credit originated.
After receiving the file from the accountholder, the ODFI will then originate the offset entries to balance the file. Most institutions prefer to receive unbalanced files
This section includes questions on third-party fraudulent ACH transactions:
These are cleared and settled ACH transfers that a third party initiated without the authorization, agreement, or voluntary assistance of an authorized accountholder
with the intent to deceive for personal gain. For "on-us" ACH transfers, it is considered cleared and settled if funds were made available to the receiving
accountholder.
Include: All third-party fraudulent ACH transactions regardless of whether a loss is incurred.
Do not include: Fraud attempts that were prevented before the ACH was cleared and settled, fraud attempts that resulted in frozen funds (funds not made available
to the perpetrator), or fraud committed by your institution's accountholders (first-party fraud).
ACH Profile
1
Did your institution post transactions from other payment instruments to your Demand
Deposit Account (DDA) system using your ACH platform during calendar year 2018?
Rather than maintaining an interface between your institution’s DDA system and a particular
transaction processing system (i.e., signature-based debit card or wire transfer), your
institution creates a separate ACH entry to post each of those non-ACH transactions.
2
Did your institution originate forward ACH credits (not including returns or offset
entries) during calendar year 2018?
If your answer is "No," please report "No" for item 5 below, and report "0" for items 6 and its
subsets, 7 and its subsets, 8 and its subsets, and item 9 and its subsets below.
3
Did your institution originate forward ACH debits (not including returns or offset
entries) during calendar year 2018?
If your answer is "No," please report "0" for items 10, 11, and 14.b below (If you do not
originate debit entries, then you will not receive in-house on-us debit entries).
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The Federal Reserve Payments Study - ACH
4
Did your institution originate offset ACH debit or credit entries during calendar year
2018?
4.a
If your answer is “Yes” to item 4 above, are you able to exclude offset ACH
volumes from balanced files in your answers below?
Even if you are not able to exclude all offset volumes from balanced files, please
report the volumes of your institution's forward ACH entries and third-party fraud
b l
4.b
If your answer is “Yes” to item 4 above, are you able to exclude offset ACH
volumes from unbalanced files in your answers below?
Even if you are not able to exclude all offset volumes from unbalanced files, please
report the volumes of your institution's forward ACH entries and third-party fraud
b l
5
Did your institution offer same-day settlement of ACH credit originations during
calendar year 2018?
The effective date for same-day settlement of credits was September 23, 2016.
If your answer is "No," please report "0" for items 8.a and 9.a below.
ACH Originations
6
Total forward ACH credit entries your institution originated (ODFI credits)
= 6.a + 6.b + 6.c
Number
Value ($)
6.a
Network ACH credit entries originated
Number
Value ($)
6.b
In-house on-us ACH credit entries originated
Number
Value ($)
6.c
Direct exchange ACH credit entries originated
Number
Value ($)
7
Total forward ACH credit entries your institution originated (ODFI credits)
(repeat item 6) = 7.a + 7.b
Number
Value ($)
7.a
From consumer accounts
Number
Value ($)
7.b
From business/government accounts
Number
Value ($)
8
Total forward ACH credit entries your institution originated (ODFI credits)
(repeat item 6) = 8.a + 8.b
Number
Value ($)
8.a
Same-day settlement
Number
Value ($)
8.b
Non-same-day settlement
Number
Value ($)
9
Third-party fraudulent forward ACH credit entries your institution originated
(fraudulent ODFI credits) = 9.a + 9.b
Number
Value ($)
9.a
Same-day settlement
Number
Value ($)
9.b
Non-same-day settlement
Number
Value ($)
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The Federal Reserve Payments Study - ACH
10
Total forward ACH debit entries your institution originated (ODFI debits)
Number
Value ($)
11
Third-party fraudulent forward ACH debit entries your institution originated
(fraudulent ODFI debits)
Number
Value ($)
ACH Receipts & Outgoing Returns
12
Total forward ACH credit entries your institution received (RDFI credits)
Number
Value ($)
13
Third-party fraudulent forward ACH credit entries your institution received
(fraudulent RDFI credits)
Number
Value ($)
14
Total forward ACH debit entries your institution received (RDFI debits)
= 14.a + 14.b + 14.c
Number
Value ($)
14.a
Network ACH debit entries received
Number
Value ($)
14.b
In-house on-us ACH debit entries received
Number
Value ($)
14.c
Direct exchange ACH debit entries received
Number
Value ($)
15
Total forward ACH debit entries your institution received (RDFI debits)
(repeat item 14) = 15.a + 15.b
Number
Value ($)
15.a
For consumer accounts
Number
Value ($)
15.b
For business/government accounts
Number
Value ($)
16
Total forward ACH debit entries your institution received (RDFI debits)
(repeat item 14) = 16.a + 16.b
Number
Value ($)
16.a
Same-day settlement
Number
Value ($)
16.b
Non-same-day settlement
Number
Value ($)
17
Third-party fraudulent forward ACH debit entries your institution received
(fraudulent RDFI debits) = 17.a + 17.b
Number
Value ($)
17.a
Same-day settlement
Number
Value ($)
17.b
Non-same-day settlement
Number
Value ($)
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The Federal Reserve Payments Study - ACH
18
ACH outgoing debit returns (i.e., debit return entries your institution originated
including “on-us” debit returns)
Number
Value ($)
These are forward ACH debit entries your institution received and were subsequently returned
by your institution, the RDFI.
Please provide any comments in the box below:
11 of 26
The Federal Reserve Payments Study - Wire Transfers
Institution ID Number 1234567
Data element measured by survey
Comments box
Repeated data element
(prepopulated from an earlier
question)
Example Depository Institution Name
Wire Transfers
Instructions
2018 Data
Please use your best available information to complete the survey for full calendar year 2018, 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
payer, then the payee may be domestic or foreign. If your institution’s accountholder is the payee, then the payer may be domestic or foreign. The data you provide
will only be used to produce national aggregate estimates of the volumes being measured.
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).
Wire transfer receipts (Incoming)
Include: All wire transfers received by your institution’s U.S. domiciled accountholders with either a domestic or foreign wire-sender. 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).
This section includes questions on third-party fraudulent wire transactions:
These are cleared and settled wire transfers that a third party initiated without the authorization, agreement, or voluntary assistance of an authorized accountholder
with the intent to deceive for personal gain. For "on-us" wire transfers, it is considered cleared and settled if funds were made available to the receiving
accountholder.
Include: All third-party fraudulent wire transfers regardless of whether a loss is incurred.
Do not include: Fraud attempts that were prevented before the wire transfer was cleared and settled, fraud attempts that resulted in frozen funds (funds not made
available to the perpetrator), or fraud committed by your institution's accountholders (first-party fraud).
Wire Transfers Originated (Outgoing)
Did your institution originate wires on behalf of an unaffiliated depository institution
during calendar year 2018 (i.e., correspondent volume)?
1
1.a
If your answer is "Yes" to item 1 above, are you able to exclude these volumes
from your answers below?
If your answer is “Yes, in some cases,” please explain in the comments box at the end
of this section.
2
Did an unaffiliated depository institution originate wires on behalf of your institution
during calendar year 2018?
2.a
If your answer is "Yes" to item 2 above, are you able to include these volumes in
your answers below?
If your answer is “Yes, in some cases,” please explain in the comments box at the end
of this section.
3
Number
Value ($)
Total wire transfer originations (outgoing) = 3.a + 3.b
3.a
Consumer originated wire transfers
Number
Value ($)
3.b
Business/government originated wire transfers = 3.b.1 + 3.b.2
Number
Value ($)
3.b.1
Settlement/bank business originated wire transfers
Number
Value ($)
3.b.2
All other business/government originated wire transfers
Number
Value ($)
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The Federal Reserve Payments Study - Wire Transfers
4
Number
Value ($)
Total wire transfer originations (outgoing) (repeat item 3) = 4.a + 4.b
4.a
Domestic (U.S.) payee
Number
Value ($)
4.b
Foreign payee
Number
Value ($)
5
Number
Value ($)
Total wire transfer originations (outgoing) (repeat item 3) = 5.a + 5.b
5.a
Sent through a network (i.e., Fedwire or CHIPS) or a correspondent bank
Number
Value ($)
5.b
Book transfers (i.e., internal transfers using your institution’s wire platform)
Number
Value ($)
6
Number
Value ($)
Third-party fraudulent wire transfer originations = 6.a + 6.b
6.a
Domestic (U.S.) payee
Number
Value ($)
6.b
Foreign payee
Number
Value ($)
Wire Transfers Received (Incoming)
7
Total wire transfer receipts (incoming)
Number
Value ($)
8
Third-party fraudulent wire transfer receipts (incoming)
Number
Value ($)
Please provide any comments in the box below:
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The Federal Reserve Payments Study - Non-Prepaid Debit Cards
Institution ID Number 1234567
Data element measured by survey
Comments box
Repeated data element
(prepopulated from an earlier
question)
Example Depository Institution Name
Non-Prepaid Debit Cards
Instructions
2018 Data
Please use your best available information to complete the survey for full calendar year 2018, 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
payer, then the payee may be domestic or foreign. If your institution’s accountholder is the payee, then the payer may be domestic or foreign. The data you provide
will only be used to produce national aggregate estimates of the volumes being measured.
This section includes questions on third-party fraudulent non-prepaid debit card transactions:
These are cleared and settled non-prepaid debit card transactions that a third party initiated without the authorization, agreement, or voluntary assistance of an
authorized accountholder or cardholder with the intent to deceive for personal gain. For "on-us" transactions, it is considered cleared and settled if funds were made
available to the receiving accountholder.
Include: All third-party fraudulent non-prepaid debit card transactions before any recoveries or chargebacks.
Do not include: Fraud prevented by declining a transaction or fraud committed by your institution's accountholders (first-party fraud).
Non-Prepaid Debit Cards
Did your institution have non-prepaid debit cards in circulation in 2018 for which your
institution was the issuer?
1
1.a
If your answer is “Yes” to item 1 above, are you able to exclude general-purpose
prepaid card volumes from your answers below?
General-purpose prepaid card (including payroll prepaid card) should only be included
in the volumes reported in the General-Purpose Prepaid Cards section of the
questionnaire.
If your answer is “Yes, in some cases,” please explain in the comments box at the end
of this section.
If your answer is "No," please report the combined volumes of non-prepaid debit card
transactions and general-purpose prepaid card transactions for all items below.
Please explain in the comments box at the end of this section.
Number of non-prepaid debit cards = 2.a + 2.b
(Average of monthly totals in 2018)
Report non-prepaid debit cards associated with transaction deposit accounts reported in the
Institution Profile section.
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 point-of-sale (POS) and/or bill payment in a month.
Average of monthly totals means the average of end-of-month totals for each of the months in
2018.
2
In force
In force with purchase activity
2.a
Consumer cards
In force
In force with purchase activity
2.b
Business/government cards
In force
In force with purchase activity
3
Number
Value ($)
Total non-prepaid debit card transactions = 3.a + 3.b
3.a
From consumer accounts
Number
Value ($)
3.b
From business/government accounts
Number
Value ($)
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The Federal Reserve Payments Study - Non-Prepaid Debit Cards
4
Number
Value ($)
Total non-prepaid debit card transactions (repeat item 3) = 4.a + 4.b
4.a
Number
Value ($)
In-person transactions = 4.a.1 + 4.a.2
4.a.1
With a PIN
Number
Value ($)
4.a.2
Without a PIN
Number
Value ($)
Remote transactions = 4.b.1 + 4.b.2
Number
Value ($)
4.b.1
Domestic (U.S.) payee
Number
Value ($)
4.b.2
Foreign payee
Number
Value ($)
4.b
5
Number
Value ($)
Third-party fraudulent non-prepaid debit card transactions = 5.a + 5.b
5.a
Number
Value ($)
In-person transactions = 5.a.1 + 5.a.2
5.a.1
With a PIN
Number
Value ($)
5.a.2
Without a PIN
Number
Value ($)
Remote transactions = 5.b.1 + 5.b.2
Number
Value ($)
5.b.1
Domestic (U.S.) payee
Number
Value ($)
5.b.2
Foreign payee
Number
Value ($)
5.b
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The Federal Reserve Payments Study - Non-Prepaid Debit Cards
6
7
Total non-prepaid debit digital wallet transactions = 6.a + 6.b
Report all non-prepaid debit card transactions made via a digital wallet, including tokenized
digital wallet.
Include digital wallet transactions made by using electronic devices, such as a smartphone,
smart watch, or activity tracker, by “tapping” the device at the POS terminal (i.e., Apple Pay,
Samsung Pay, Google Pay, Fitbit Pay, Masterpass).
Also include tokenized digital wallet transactions made by using customer's payment
credentials saved in a virtual account number. These credentials can be stored either on a
smartphone or in the cloud. When making a purchase, a substitute account number and a
transaction specific code (“token”) are used to process payments. This can include
purchasing items online with a computer or using a smartphone to make a purchase with a
browser or in-app (i.e., Apple Pay, Google Pay, Masterpass, Visa Checkout, Amex Express
Checkout).
Include digital wallet NFC (near field communication) transactions, MST (magnetic secure
transmission) transactions, QR code transactions, barcode transactions, in-app transactions,
or browser transactions.
Do not include card-on-file e-commerce transactions (cardholder-initiated or merchantinitiated) (i.e., installment payment).
Number
Value ($)
6.a
In-person transactions
Include transactions for which an electronic device, such as a smartphone, smart
watch, or activity tracker, was “tapped” to pay at the POS terminal (i.e., Apple Pay,
Samsung Pay, Google Pay, Fitbit Pay).
Number
Value ($)
6.b
Remote transactions
Include in-app transactions or browser transactions made with a digital wallet.
Browser transactions include both digital wallets (i.e., Apple Pay, Google Pay,
Samsung Pay) and third-party tokenized digital wallets (i.e., PayPal, Amazon Pay,
Square Restaurants, Visa Checkout, Masterpass).
Number
Value ($)
Total non-prepaid debit card cash-back at the point of sale
Please report only the cash value ($) portion of the cash-back transaction (i.e., if a customer
paid for $100 in goods at the point of sale using a non-prepaid debit card and asked for $20 in
cash back, please report one transaction for Number and $20 for Value in item 7).
Do not include ATM withdrawals or the amount paid for goods and services.
Number
Value ($)
Please provide any comments in the box below:
16 of 26
The Federal Reserve Payments Study - General-Purpose Prepaid Cards
Institution ID Number 1234567
Data element measured by survey
Comments box
Repeated data element
(prepopulated from an earlier
question)
Example Depository Institution Name
General-Purpose Prepaid Cards
Instructions
2018 Data
Please use your best available information to complete the survey for full calendar year 2018, 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
payer, then the payee may be domestic or foreign. If your institution’s accountholder is the payee, then the payer may be domestic or foreign. The data you provide
will only be used to produce national aggregate estimates of the volumes being measured.
This section includes questions on third-party fraudulent general-purpose prepaid card transactions:
These are cleared and settled general-purpose prepaid card transactions that a third party initiated without the authorization, agreement, or voluntary assistance of an
authorized accountholder or cardholder with the intent to deceive for personal gain. For "on-us" transactions, it is considered cleared and settled if funds were made
available to the receiving accountholder.
Include: All third-party fraudulent general-purpose prepaid card transactions before any recoveries or chargebacks.
Do not include: Fraud prevented by declining a transaction or fraud committed by your institution's accountholders (first-party fraud).
General-Purpose Prepaid Cards
1
Did your institution offer its customers general-purpose prepaid cards issued by
another financial institution during calendar year 2018?
General-purpose prepaid cards include but are not limited to: payroll prepaid cards, open-loop
gift cards, government-administered open-loop prepaid cards, FSA/HSA medical cards, and
open-loop customer refund and incentive cards.
If your answer is “Yes,” please do not include these cards (or associated transactions) in your
answers below.
2
Did your institution have general-purpose prepaid cards in circulation in 2018 for which
your institution was the issuer?
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 debit card
network.
Include consumer and business/government general-purpose reloadable prepaid cards,
general-purpose non-reloadable prepaid cards, payroll prepaid cards, governmentadministered general-purpose open-loop prepaid cards, open-loop gift cards, FSA/HSA
medical cards, and open-loop customer refund and incentive cards.
Do not include non-prepaid debit cards, ATM or ATM-only cards, credit cards, or closed-loop
prepaid cards (i.e., prepaid cards that don't route transactions over a debit card network).
If your answer is "No," please report "0" for the remainder of this section.
2.a
If your answer is "Yes" to item 2 above, are you able to include
business/government prepaid card volumes in your answers below?
If your answer is “Yes, in some cases,” please explain in the comments box at the end
of this section.
Total general-purpose prepaid card program accounts = 3.a + 3.b
(Average of monthly totals in 2018)
Include accounts for both reloadable and non-reloadable general-purpose prepaid cards for
which your institution was the issuer.
Include accounts for general-purpose prepaid card programs managed by both your institution
and a third party.
Average of monthly totals means the average of end-of-month totals for each of the months in
2018.
3
Number
Balance ($)
3.a
Reloadable accounts
Number
Balance ($)
3.b
Non-reloadable accounts
Number
Balance ($)
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The Federal Reserve Payments Study - General-Purpose Prepaid Cards
4
Number of general-purpose prepaid cards = 4.a + 4.b
(Average of monthly totals in 2018)
For cards in force, report only cards that had been issued by your institution, activated by
your institution’s accountholders, and had not expired at the end of a month.
For cards with purchase activity, report only cards in force that were used to make at least
one point-of-sale (POS) and/or bill payment in a month.
Average of monthly totals means the average of end-of-month totals for each of the months in
2018.
In force
In force with purchase activity
4.a
Reloadable cards
In force
In force with purchase activity
4.b
Non-reloadable cards
In force
In force with purchase activity
5
Number
Value ($)
Total general-purpose prepaid card transactions = 5.a + 5.b
5.a
From reloadable accounts
Number
Value ($)
5.b
From non-reloadable accounts
Number
Value ($)
6
Total general-purpose prepaid card transactions (repeat item 5) = 6.a + 6.b
6.a
Number
Value ($)
Number
Value ($)
In-person transactions = 6.a.1 + 6.a.2
6.a.1
With a PIN
Number
Value ($)
6.a.2
Without a PIN
Number
Value ($)
Remote transactions = 6.b.1 + 6.b.2
Number
Value ($)
6.b.1
Domestic (U.S.) payee
Number
Value ($)
6.b.2
Foreign payee
Number
Value ($)
6.b
7
Third-party fraudulent general-purpose prepaid card transactions = 7.a + 7.b
7.a
Number
Value ($)
Number
Value ($)
In-person transactions = 7.a.1 + 7.a.2
7.a.1
With a PIN
Number
Value ($)
7.a.2
Without a PIN
Number
Value ($)
Remote transactions = 7.b.1 + 7.b.2
Number
Value ($)
7.b.1
Domestic (U.S.) payee
Number
Value ($)
7.b.2
Foreign payee
Number
Value ($)
7.b
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The Federal Reserve Payments Study - General-Purpose Prepaid Cards
8
9
General-purpose prepaid digital wallet transactions = 8.a + 8.b
Report all general-purpose prepaid card transactions made via a digital wallet, including
tokenized digital wallet.
Include digital wallet transactions made by using electronic devices, such as a smartphone,
smart watch, or activity tracker, by “tapping” the device at the POS terminal (i.e., Apple Pay,
Samsung Pay, Google Pay, Fitbit Pay, Masterpass).
Also include tokenized digital wallet transactions made by using customer's payment
credentials saved in a virtual account number. These credentials can be stored either on a
smartphone or in the cloud. When making a purchase, a substitute account number and a
transaction specific code (“token”) are used to process payments. This can include
purchasing items online with a computer or using a smartphone to make a purchase with a
browser or in-app (i.e., Apple Pay, Google Pay, Masterpass, Visa Checkout, Amex Express
Checkout).
Include digital wallet NFC (near field communication) transactions, MST (magnetic secure
transmission) transactions, QR code transactions, barcode transactions, in-app transactions,
or browser transactions.
Do not include card-on-file e-commerce transactions (cardholder-initiated or merchantinitiated) (i.e., installment payment).
Number
Value ($)
8.a
In-person transactions
Include transactions for which an electronic device, such as a smartphone, smart
watch, or activity tracker, was “tapped” to pay at the POS terminal (i.e., Apple Pay,
Samsung Pay, Google Pay, Fitbit Pay).
Number
Value ($)
8.b
Remote transactions
Include in-app transactions or browser transactions made with a digital wallet.
Browser transactions include both digital wallets (i.e., Apple Pay, Google Pay,
Samsung Pay) and third-party tokenized digital wallets (i.e., PayPal, Amazon Pay,
Square Restaurants, Visa Checkout, Masterpass).
Number
Value ($)
General-purpose prepaid card cash-back transactions
Please report only the cash value ($) portion of the cash-back transaction (i.e., if a customer
paid for $100 in goods at the point of sale using a general-purpose prepaid card and asked for
$20 in cash back, please report one transaction for Number and $20 for Value in item 9).
Do not include ATM withdrawals or the amount paid for goods and services.
Number
Value ($)
Please provide any comments in the box below:
19 of 26
The Federal Reserve Payments Study - General-Purpose Credit Cards
Institution ID Number 1234567
Data element measured by survey
Comments box
Repeated data element
(prepopulated from an earlier
question)
Example Depository Institution Name
General-Purpose Credit Cards
Instructions
2018 Data
Please use your best available information to complete the survey for full calendar year 2018, 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
payer, then the payee may be domestic or foreign. If your institution’s accountholder is the payee, then the payer may be domestic or foreign. The data you provide
will only be used to produce national aggregate estimates of the volumes being measured.
This section includes questions on third-party fraudulent general-purpose credit card transactions:
These are cleared and settled general-purpose credit card transactions that a third party initiated without the authorization, agreement, or voluntary assistance of an
authorized accountholder or cardholder with the intent to deceive for personal gain. For "on-us" transactions, it is considered cleared and settled if funds were made
available to the receiving accountholder.
Include: All third-party fraudulent general-purpose credit card transactions before any recoveries or chargebacks.
Do not include: Fraud prevented by declining a transaction or fraud committed by your institution's accountholders (first-party fraud).
General-Purpose Credit Cards
1
Did your institution have general-purpose credit cards in circulation in 2018 for which
your institution was the issuer?
Include general-purpose credit cards, charge cards, and co-branded cards for which your
institution owns the receivables and that use any one of the four major credit card networks
(i.e., Visa, MasterCard, American Express, and Discover).
2
Did your institution have co-branded credit cards (using one of the above four major
credit card networks) in circulation in 2018 for which your institution was the issuer?
If your answer is “Yes,” please exclude “internal” (closed-loop, not using one of the above four
major credit card networks) and include “external” (open-loop, using one of the above four
major credit card networks) volumes in your answers below.
2.a
3
If your answer is "Yes" to item 2 above, are you able to exclude “internal”
(closed-loop, not using one of the above four major credit card networks)
volumes from your answers below?
If your answer is “Yes, in some cases,” please explain in the comments box at the end
of this section.
Total general-purpose credit card accounts = 3.a + 3.b
(Average of monthly totals in 2018)
Please report account totals, not cards (i.e., if a customer and their spouse both have a card
under the same account, please report as 1 account).
Include all general-purpose credit card accounts including zero-balance active accounts with a
credit line and the ability to transact.
Do not include closed accounts.
Average of monthly totals means the average of end-of-month totals for each of the months in
2018.
Number
Balance ($)
3.a
Consumer accounts
Number
Balance ($)
3.b
Business/government accounts
Number
Balance ($)
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The Federal Reserve Payments Study - General-Purpose Credit Cards
4
Number
Balance ($)
Consumer general-purpose credit card accounts (repeat item 3.a)
= 4.a + 4.b + 4.c + 4.d
(Average of monthly totals in 2018)
Average of monthly totals means the average of end-of-month totals for each of the months in
2018.
4.a
Number
Balance ($)
With zero balance (no current balance, no revolving balance)
4.b
With current balance only (nonzero current balance, no revolving balance)
Number
Balance ($)
4.c
With revolving balance only (no current activity)
Number
Balance ($)
4.d
With current and revolving balances = 4.d.1 + 4.d.2
Number
Balance ($)
4.d.1
Current balance
Balance ($)
4.d.2
Revolving balance
Balance ($)
5
Number of general-purpose credit cards = 5.a + 5.b
(Average of monthly totals in 2018)
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 point-of-sale (POS) and/or bill payment in a month.
Average of monthly totals means the average of end-of-month totals for each of the months in
2018.
In force
In force with purchase activity
5.a
Consumer cards
In force
In force with purchase activity
5.b
Business/government cards
In force
In force with purchase activity
6
Total general-purpose co-branded credit card non-network transactions (“internal”
closed-loop transactions)
Number
Value ($)
7
Total general-purpose credit card network transactions = 7.a + 7.b
Include all network transactions made with general-purpose credit cards, charge cards, or cobranded cards (network volume) issued by your institution, including cash advances.
Do not include general-purpose credit card non-network transactions (i.e., balance transfers,
convenience checks) or co-branded credit card “internal” closed-loop transactions.
Number
Value ($)
7.a
From consumer accounts
Number
Value ($)
7.b
From business/government accounts
Number
Value ($)
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$0.00
The Federal Reserve Payments Study - General-Purpose Credit Cards
8
Total general-purpose credit card network transactions (repeat item 7) = 8.a + 8.b
8.a
Number
Value ($)
Number
Value ($)
In-person transactions = 8.a.1 + 8.a.2
8.a.1
With a PIN
Number
Value ($)
8.a.2
Without a PIN
Number
Value ($)
Remote transactions = 8.b.1 + 8.b.2
Number
Value ($)
8.b.1
Domestic (U.S.) payee
Number
Value ($)
8.b.2
Foreign payee
Number
Value ($)
8.b
9
Third-party fraudulent general-purpose credit card network transactions = 9.a + 9.b
9.a
Number
Value ($)
Number
Value ($)
In-person transactions = 9.a.1 + 9.a.2
9.a.1
With a PIN
Number
Value ($)
9.a.2
Without a PIN
Number
Value ($)
Remote transactions = 9.b.1 + 9.b.2
Number
Value ($)
9.b.1
Domestic (U.S.) payee
Number
Value ($)
9.b.2
Foreign payee
Number
Value ($)
9.b
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The Federal Reserve Payments Study - General-Purpose Credit Cards
10
Total general-purpose credit card digital wallet transactions = 10.a + 10.b
Report all general-purpose credit card transactions made via a digital wallet, including
tokenized digital wallet.
Include digital wallet transactions made by using electronic devices, such as a smartphone,
smart watch, or activity tracker, by “tapping” the device at the POS terminal (i.e., Apple Pay,
Samsung Pay, Google Pay, Fitbit Pay, Masterpass).
Also include tokenized digital wallet transactions made by using customer's payment
credentials saved in a virtual account number. These credentials can be stored either on a
smartphone or in the cloud. When making a purchase, a substitute account number and a
transaction specific code (“token”) are used to process payments. This can include
purchasing items online with a computer or using a smartphone to make a purchase with a
browser or in-app (i.e., Apple Pay, Google Pay, Masterpass, Visa Checkout, Amex Express
Checkout).
Include digital wallet NFC (near field communication) transactions, MST (magnetic secure
transmission) transactions, QR code transactions, barcode transactions, in-app transactions,
or browser transactions.
Do not include card-on-file e-commerce transactions (cardholder-initiated or merchantinitiated) (i.e., installment payment).
Number
Value ($)
10.a
In-person transactions
Include transactions for which an electronic device, such as a smartphone, smart
watch, or activity tracker, was “tapped” to pay at the POS terminal (i.e., Apple Pay,
Samsung Pay, Google Pay, Fitbit Pay).
Number
Value ($)
10.b
Remote transactions
Include in-app transactions or browser transactions made with a digital wallet.
Browser transactions include both digital wallets (i.e., Apple Pay, Google Pay,
Samsung Pay) and third-party tokenized digital wallets (i.e., PayPal, Amazon Pay,
Square Restaurants, Visa Checkout, Masterpass).
Number
Value ($)
Please provide any comments in the box below:
23 of 26
The Federal Reserve Payments Study - Cash
Institution ID Number 1234567
Data element measured by survey
Comments box
Repeated data element
(prepopulated from an earlier
question)
Example Depository Institution Name
Cash
Instructions
2018 Data
Please use your best available information to complete the survey for full calendar year 2018, 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
payer, then the payee may be domestic or foreign. If your institution’s accountholder is the payee, then the payer may be domestic or foreign. The data you provide
will only be used to produce national aggregate estimates of the volumes being measured.
This section includes questions on third-party fraudulent ATM cash withdrawals:
These are cleared and settled ATM cash withdrawal transactions that a third party initiated without the authorization, agreement, or voluntary assistance of an
authorized accountholder or cardholder with the intent to deceive for personal gain. All transactions are considered cleared and settled if cash was paid out.
Include: All third-party fraudulent ATM withdrawal transactions before any recoveries or chargebacks.
Do not include: Fraud prevented by declining a transaction or fraud committed by your institution's accountholders (first-party fraud).
Cash Withdrawals
Number
Value ($)
Total cash withdrawals from your institution = 1.a + 1.b + 1.c + 1.d
1
1.a
Over-the-counter cash withdrawals
Cash withdrawals made at bank lobby teller window or drive-through teller.
Number
Value ($)
1.b
Cash orders at wholesale vaults
Cash withdrawals handled through armored couriers including vaults operated by your
institution or outsourced to an armored couriers or other third-party vault operator.
Number
Value ($)
1.c
Cash withdrawals made at remote currency management terminals (RCMTs)
Cash withdrawals made at RCMTs at merchant customer locations.
Number
Value ($)
1.d
Total ATM cash withdrawals (your institution’s accountholder, any ATM)
= 1.d.1 + 1.d.2
Number
Value ($)
"On-us" ATM withdrawals (your institution’s accountholder, your
institution’s ATM)
Number
Value ($)
1.d.1
An “on-us” ATM is any ATM owned or operated by your institution.
1.d.2
“Foreign” ATM withdrawals (your institution’s accountholder, “foreign”
ATM)
Number
Value ($)
A "foreign" ATM is any ATM not owned or operated by your institution.
2
Number
Value ($)
Total cash withdrawals from your institution (repeat item 1) = 2.a + 2.b
2.a
From consumer accounts
Number
Value ($)
2.b
From business/government accounts
Number
Value ($)
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The Federal Reserve Payments Study - Cash
3
Total ATM cash withdrawals (your institution’s accountholder, any ATM)
(repeat item 1.d) = 3.a + 3.b
Number
Value ($)
3.a
Domestic ATM withdrawals (your institution’s accountholder, any ATM in the
U.S.)
Number
Value ($)
3.b
Cross-border ATM withdrawals (your institution’s accountholder, any ATM
outside the U.S.)
Number
Value ($)
Third-party fraudulent ATM cash withdrawals (your institution’s accountholder, any
ATM) = 4.a + 4.b
Number
Value ($)
4.a
Domestic ATM withdrawals (your institution’s accountholder, any ATM in the
U.S.)
Number
Value ($)
4.b
Cross-border ATM withdrawals (your institution’s accountholder, any ATM
outside the U.S.)
Number
Value ($)
4
Cash Deposits
5
Number
Value ($)
Total cash deposited at your institution = 5.a + 5.b + 5.c + 5.d
5.a
Over-the-counter cash deposits
Cash deposits made at bank lobby teller window or drive-through teller.
Number
Value ($)
5.b
Cash deposits at wholesale vaults
Cash deposits handled through armored couriers including vaults operated by your
institution or outsourced to an armored couriers or other third-party vault operator.
Number
Value ($)
5.c
Cash deposits made at remote currency management terminals (RCMTs)
Cash deposits made at RCMTs at merchant customer locations.
Number
Value ($)
5.d
ATM cash deposits (your institution’s accountholder, any ATM) = 5.d.1 + 5.d.2
Number
Value ($)
5.d.1
"On-us" ATM deposits (your institution’s accountholder, your institution’s
ATM)
Number
Value ($)
An “on-us” ATM is any ATM owned or operated by your institution.
5.d.2
“Foreign” ATM deposits (your institution’s accountholder, “foreign” ATM)
A "foreign" ATM is any ATM not owned or operated by your institution.
Number
Value ($)
Please provide any comments in the box below:
25 of 26
The Federal Reserve Payments Study - Alternative Payment Initiation Methods
Institution ID Number 1234567
Data element measured by survey
Comments box
Example Depository Institution Name
Alternative Payment Initiation Methods
Instructions
2018 Data
Please use your best available information to complete the survey for full calendar year 2018, 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
payer, then the payee may be domestic or foreign. If your institution’s accountholder is the payee, then the payer may be domestic or foreign. The data you provide
will only be used to produce national aggregate estimates of the volumes being measured.
This section includes questions on third-party fraudulent online or mobile person-to-person (P2P) transactions:
These are cleared and settled P2P transactions that a third party initiated without the authorization, agreement, or voluntary assistance of an authorized accountholder
or cardholder with the intent to deceive for personal gain. For "on-us" transactions, it is considered cleared and settled if funds were made available to the receiving
accountholder.
Include: All third-party fraudulent P2P transactions before any recoveries or chargebacks.
Do not include: Fraud prevented by declining a transaction or fraud committed by your institution's accountholders (first-party fraud).
Alternative Payment Initiation Methods
Did your institution offer online or mobile consumer bill payments during calendar year
2018?
1
Include bill payment transactions made from consumer accounts at your institution and
initiated via your institution’s website or mobile application.
Do not include payments made through the biller’s website.
If your answer is "No," please report ''0'' for item 2 below.
Total online or mobile bill payment transactions from your institution’s consumer
accounts
2
Number
Value ($)
Only include online or mobile consumer bill payments initiated through your institution’s bill
payment platform.
Do not include bill payment transactions initiated through a different medium (i.e., Zelle).
Did your institution offer an online or mobile person-to-person (P2P) funds transfer
system during calendar year 2018?
3
If your answer is "No," please report "0" for item 4 below.
Total online or mobile person-to-person (P2P) transfer originations = 4.a + 4.b
4
Number
Value ($)
4.a
“On-us” transfer originations
Include P2P transfers between two consumer accountholders at your institution.
Number
Value ($)
4.b
“Off-us” transfer originations
Include P2P transfers originated by your institution’s consumer accountholders for
which the receiver is a consumer accountholder at another institution.
Number
Value ($)
Third-party fraudulent online or mobile person-to-person (P2P) transfer originations
= 5.a + 5.b
Number
Value ($)
5
5.a
“On-us” transfer originations
Include P2P transfers between two consumer accountholders at your institution.
Number
Value ($)
5.b
“Off-us” transfer originations
Include P2P transfers originated by your institution’s consumer accountholders for
which the receiver is a consumer accountholder at another institution.
Number
Value ($)
Please provide any comments in the box below:
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| File Type | application/pdf |
| File Modified | 2019-07-22 |
| File Created | 2019-03-26 |