--000000000000f38a7e0628eb988d Content-Type: text/plain; charset="UTF-8" Content-Transfer-Encoding: quoted-printable I=E2=80=99d really hate to keep an account open and need to maintain the ba= nk account recon and then need to periodically fund it just to accommodate etransfer refunds. Tim =E2=80=93 Are we really that opposed to issuing check refunds to these customers? I think you said these instances of refunds are few, and sometime next year we could revert back to issuing eTransfer refunds once JPM goes live with this functionality. What do you want to do here? Thanks, *From:* eclark@thekey.com *Sent:* Monday, December 9, 2024 7:07 PM *To:* 'Laszlo Kovacs' ; 'Timothy Thomas' *Cc:* 'Lisa Barker' ; 'Treasury Team' *Subject:* RE: [EXTERNAL]FW: TheKey | Microdeposit Request (*URGENT*) [C20241014BHJV6Y] Circling back to this, did we decide what account to keep open so we can send refunds to our clients w/o relying solely on checks for a method of reimbursement? We=E2=80=99d potentially need to transfer funds from 1642 in= to the account we leave open, to this account, if we=E2=80=99ve stopped all deposi= ts, from what I understood. *From:* Laszlo Kovacs *Sent:* Tuesday, November 26, 2024 11:18 AM *To:* eclark@thekey.com; Timothy Thomas *Cc:* Lisa Barker ; Treasury Team *Subject:* RE: [EXTERNAL]FW: TheKey | Microdeposit Request (*URGENT*) [C20241014BHJV6Y] I=E2=80=99m not sure of what my recommendation would be here yet. Just that Etransfer payments from TK to any CGs won=E2=80=99t be an option anytime so= on. So, we=E2=80=99ll need to workshop that to discuss our options. *From:* eclark@thekey.com *Sent:* Monday, November 25, 2024 4:06 PM *To:* 'Laszlo Kovacs' ; 'Timothy Thomas' *Cc:* 'Lisa Barker' ; 'Treasury Team' *Subject:* RE: [EXTERNAL]FW: TheKey | Microdeposit Request (*URGENT*) [C20241014BHJV6Y] Are we talking about paying CAD CGs through the bank instead of through Workday? *From:* Laszlo Kovacs *Sent:* Thursday, November 21, 2024 8:57 AM *To:* Timothy Thomas *Cc:* Lisa Barker ; Treasury Team ; Elizabeth Clark *Subject:* RE: [EXTERNAL]FW: TheKey | Microdeposit Request (*URGENT*) [C20241014BHJV6Y] They are same day if processed by 5pm ET cutoff, but expensive. Think we pay like $25 per. *From:* Timothy Thomas *Sent:* Thursday, November 21, 2024 10:54 AM *To:* Laszlo Kovacs *Cc:* Lisa Barker ; Treasury Team ; Elizabeth Clark *Subject:* Re: [EXTERNAL]FW: TheKey | Microdeposit Request (*URGENT*) [C20241014BHJV6Y] Yes. How long do wires typically take? On Thu, Nov 21, 2024 at 11:47=E2=80=AFAM Laszlo Kovacs wrote: Check or wire. What are these advanced payments for? Are they payroll advances? *From:* Timothy Thomas *Sent:* Wednesday, November 20, 2024 1:34 PM *To:* Laszlo Kovacs *Cc:* Lisa Barker ; Treasury Team ; Elizabeth Clark *Subject:* Re: [EXTERNAL]FW: TheKey | Microdeposit Request (*URGENT*) [C20241014BHJV6Y] Sure, what other mode is available? On Wed, Nov 20, 2024 at 2:18=E2=80=AFPM Laszlo Kovacs wrote: Just a heads up that I received c