How to use the Move Money Import Transactions tool 

How to use the Move Money Import Transactions tool 

The Move Money Import Transactions feature enables advisory firms to submit a large number of internal cash transfers (journal), check, ACH (MoneyLink), and wire transactions quickly and securely via CSV file upload.

  • Supports first-party WPFA and first-party/third-party internal transfer and check transactions using a standing authorization (SLOA) or bundled standing authorization. 
  • Supports first-party/third-party incoming and outgoing on-request ACH transactions.
  • Supports outgoing first-party WPFA-C wires and first-party/third-party wires using a standing authorization. 
  • Transactions requiring e-authorization are not supported through the tool.

Access the Import Transactions tool through the Move Money tab on the Schwab Advisor Center® website. Selecting the “Import Transactions” tab will launch a new browser window, navigating you to the landing page for the tool. From there, you can download the CSV file template to use for your transaction upload. You’ll also be able to access instructional resources. Once you start your upload, the tool validates the format of the CSV submission, verifies the transaction details, and provides firms with the ability to review the transactions before they are processed.

Schwab Advisor Center® Data Access
  • Read data access Tooltip
  • Move Money data access Tooltip
Users need Read and Move Money data access for the master account to enable assigned move money security function access.
Schwab Advisor Center® Function Access
  • View Move Money function access Tooltip
  • Update Move Money function access Tooltip
  • Request ACH (MoneyLink) function access
  • Request Wire function access 
     
Viewing is a prerequisite for any of the other Move Money related security function access. Update Move Money enables check requests and internal transfers. Request ACH (MoneyLink) enables ACH transaction requests, and Request Wire enables wire transaction requests.

On the Import Transactions tab within Move Money, click CSV Template. This link will download a zipped folder with the templates. Select the CSV template for the transaction type you want to upload.

  • Use Schwab's CSV file template and enter data based on Schwab requirements.
    Or
  • Configure your existing CSV file with the required column headers and entries below. The column headers must be an exact match and data must be compatible with Schwab data formatting to pass validation. 

All ACH transactions uploaded through Import Transactions require the use of an existing ACH profile. Existing profiles can be edited within the standard Move Money experience. 

Note: Only column headers with an asterisk (*) are required for a successful CSV file upload. There are other optional columns in the template to cover data for individual retirement account (IRA)* and Personal Trust Reporting Services (PTRS) accounts if you have any in your upload.

Column entry requirements for all account types.

Required header nameDescriptionRequired entry
*Direction (Outgoing/Incoming)Direction of fund movement between the Schwab account and linked account

General text
Examples

  • In
  • Out
  • Incoming
  • Outgoing
*Schwab Account #Schwab account number from which funds will be withdrawn for an outgoing ACH or to which funds will be deposited for an incoming ACH.

Numerical
Examples

  • 12345678
  • 1234-5678
*Bank Account #

Linked bank account number to which funds will be deposited for an outgoing ACH or from which funds will be withdrawn for an incoming ACH.

To prevent formatting issues for entries that are 12 or more digits, update the Bank Account # field in the CSV file to use "Text" instead of "General" for the Number format.

Numerical
Example: 1111111111
*AmountAmount of cash to transfer

Numerical with up to two decimal points and with or without dollar sign
Examples:

  • $100,000
  • $100,000.00
  • 100,000
*Withdrawal DateUse current date or future date Notes: For an on-request ACH transaction, the withdrawal date will default to the next business day if the upload is received after our established business-day cutoff of 5:30 p.m. ET or if the withdrawal date you entered was on a weekend or holiday.MM/DD/YYYY

Example: 01/01/2021
Comment (optional)

For your firm's use only, must match pre-approved text options

Schwab will not act on instructions provided in this field

Pre-approved general text options
Example: Mortgage Payment

 

The following additional fields are required only if you have an IRA in your upload. However, do not delete the optional columns. The column header should be present even if you do not have a value in that field, so that your upload can be read by the tool.

Required header nameDescriptionRequired entry
IRA contribution typeApplies for incoming ACH transactions when the Schwab account is a retirement account

Include the year and appropriate IRA contribution type, use numbered year and general text:

  • Reg IRA
  • Roth IRA
  • Rollover
  • SEP IRA
  • Education Savings

Example: 2020 Reg IRA

 

The following additional column headers are required only if you have a PTRS account in your upload. However, do not delete the optional columns. The column header should be present even if you do not have a value in that field, so that your upload can be read by the tool. 

Required header nameDescriptionRequired entry
From Income %Outgoing ACH
Notes: From income % and From Principal % must exactly add to 100%
Numerical percentage 
Example: 50%
From Principal %Outgoing ACH
Notes: From income % and From Principal % must exactly add to 100%
Numerical percentage
Example: 50%
Trust Tax CodeOutgoing ACH
Tax code
Numerical
Example: 750
Paid forOutgoing ACH
Owner or beneficiary name
General text
Example: John Doe
To Income %Incoming ACH
Notes: To income % and To Principal % must exactly add to 100%
Numerical percentage
Example: 50%
To Principal %Incoming ACH
Notes: To income % and To Principal % must exactly add to 100%
Numerical percentage
Example: 50%
Deposit Tax CodeIncoming ACH
Deposit tax code
Numerical
Example: 526

1. Save the prepared CSV file to your desktop or local computer folder.

† Pre-approved comment text displays on the data download file and client statement if Enhanced Reporting Services is enabled. Unapproved text is not supported and will be flagged for you to update. 

1. On the Import Transactions tab within Move Money, click CSV Template. This link will download a zipped folder with the templates. Select the CSV template for the transaction type you want to upload.

  • Use Schwab's CSV file template and enter data based on Schwab requirements.
    Or
  • Configure your existing CSV file with the required column headers and entries below. The column headers must be an exact match and data must be compatible with Schwab data formatting to pass validation.

Note: Only column headers with an asterisk (*) are required for a successful CSV file upload. There are other optional columns in the template to cover data for individual retirement account (IRA)* and Personal Trust Reporting Services (PTRS) accounts if you have any in your upload.

The following column headers are required for all accounts.

Required header nameDescriptionRequired entry
From accountSchwab account number from which funds will be withdrawn

Numerical 
Examples: 

  • 12345678
  • 1234-5678
To accountSchwab account number to which funds will be deposited

Numerical 
Examples: 

  • 12345678
  • 1234-5678
AmountAmount of cash to transfer

Numerical with up to two decimal points and with or without dollar sign
Examples:

  • $100,000
  • $100,000.00
  • 100,000
Process Date Tooltip Use current date or future date
Note: For a one-time request, the process date will default to the current or next business day based on cutoff time. You can change the process date to any date within the next 24 months.
MM/DD/YYYY
Example: 01/01/2021
Comment (optional)For your firm's use only, must match pre-approved text options
Schwab will not act on instructions provided in this field
Pre-approved general text options
Example: Mortgage Payment

 

The following additional fields are required only if you have an IRA in your upload. However, do not delete the optional columns. The column header should be present even if you do not have a value in that field, so that your upload can be read by the tool.

Required header nameDescriptionRequired entry
Distribution reasonReason for retirement account distribution

Include the distribution code (not the description):

  • 0-COMB (Combine accounts)
  • 1 (Early) 
  • 2 (Early without penalty) 
  • 3 (Disability)
  • 7 (Normal) 
  • 7-RMD (RMD)
  • J (Early Roth)  
  • S (Early Simple IRA)
  • T (Exception Applies) 

Example: 7

IRA contribution typeApplies if the receiving account is a retirement account

Include the year and appropriate IRA contribution type, use numbered year and general text:

  • Reg IRA
  • Roth IRA
  • Rollover
  • SEP IRA
  • Education Savings

Example: 2020 Reg IRA

 

The following additional column headers are required only if you have a PTRS account in your upload. However, do not delete the optional columns. The column header should be present even if you do not have a value in that field, so that your upload can be read by the tool. 

Required header nameDescriptionRequired entry
From Income %From Income % and From Principal % must exactly add to 100%Numerical percentage
Example: 50%
From Principal %From Income % and From Principal % must exactly add to 100%Numerical percentage
Example: 50%
Trust Tax CodeTax codeNumerical
Example: 750
Paid forOwner or beneficiary nameGeneral text
Example: John Doe
To Income %To Income % and To Principal % must exactly add to 100%Numerical percentage
Example: 30%
To Principal %To Income % and To Principal % must exactly add to 100%Numerical percentage
Example: 70%
Deposit Tax CodeDeposit tax codeNumerical
Example: 526

2. Save the prepared CSV file to your desktop or local computer folder.

*For non-IRA accounts displayed on the CSV file, leave the columns blank. For first-time retirement account distributions, see How to request a retirement distribution for further instructions.

†Pre-approved comment text displays on the data download file and client statement if Enhanced Reporting Services is enabled. Unapproved text is not supported and will be flagged for you to update.

1. On the Import Transactions tab within Move Money, click CSV Template. This link will download a zipped folder with the templates. Select the CSV template for the transaction type you want to upload. 

  • Use Schwab's CSV file template and enter data based on Schwab requirements.
    Or
  • Configure your existing CSV file with the required column headers and entries below. The column headers must be an exact match and data must be compatible with Schwab data formatting to pass validation. 

Note: Only column headers with an asterisk (*) are required for a successful CSV file upload. There are other optional columns in the template to cover data for individual retirement account (IRA)* and Personal Trust Reporting Services (PTRS) accounts if you have any in your upload.

To improve efficiency, the Schwab system will attempt to fill in remaining account and transaction details using the account registration or standing authorizations on file. Rules outlined below:

  1. Payee and recipient address from the account registration on file will always be applied if you are attempting first-party transactions and have Withdrawal Power Financial Advisor authority.
  2. If you are attempting to use a standing authorization and there is only one standing authorization on file that matches the party indicator provided (1st or 3rd), the Schwab system will update the payee, recipient address, and distribution reason (if applicable) to match that standing authorization.
  3. If there are multiple standing authorizations on file matching the party indicator provided (1st or 3rd), you will be prompted to fill in the remaining account and transaction details by picking the standing authorization. You can bypass this step by entering all of the intended standing authorization details in the initial CSV file upload.

Column entry requirements for all account types.

Required header nameDescriptionRequired entry
*First party?Indicator for funds changing ownership. First-party requests where the From account holder has an identical name and address as the Payee should be labeled with: Y.General text, Y or N
Example: Y
*From accountSchwab account number from which funds will be withdrawn

Numerical 
Examples: 

  • 12345678
  • 1234-5678
*AmountAmount of funds withdrawn

Numerical with up to two decimal points and with or without dollar sign
Examples:

  • $100,000
  • $100,000.00
  • 100,000
*Process DateUse current date or future dateMM/DD/YYYY
Example: 01/01/2022

 

The following optional column headers are available if your From accounts have multiple standing authorizations on file, and you do not want to be prompted to select a standing authorization before transaction submission. However, do not delete the optional columns. The column header should be present even if you do not have a value in that field, so that your upload can be read by the tool.

Required header nameDescriptionRequired entry
Payee name

Name to whom funds will be paid to

  • You can add up to three payee names. Add new lines by clicking Alt + Enter.
  • For a first-party WPFA check request, the Schwab system will apply the payee name on record for the From Account.
  • For a first-party/third-party check using a standing authorization, the name you enter must exactly match the standing authorization on record.
General text
Example: John Doe
Address line 1

Address where the check will be delivered 

  • For a first-party WPFA check, the Schwab system will apply the address on record for the from account.
  • For a first-party/third-party check using a standing authorization, address must exactly match with the standing authorization on record as displayed within SAC Move Money.
  • Note: If the standing authorization you're attempting to use has a different Mail To address, it will be presented for your confirmation before transaction submission.
Numerical and general text Example: 1275 Springs Dr.
Address line 2Address line of unit, block, or apartment number for deliveryNumerical and general text
Example: Unit 31
CityCity for deliveryGeneral Text
Example: Austin
StateState for delivery (abbreviation only)

General Text
Examples: 

  • TX
  • CA
  • NJ
Zip codeZip code delivery

Numerical
Examples: 

  • 75067
  • 75067-0911
  • 04743
  • 4743
Delivery method
  • Overnight
  • Leaving the column blank will result in standard delivery
General text with exact spelling
Example: Overnight
MemoComments/remarksGeneral text, up to 40 characters
Example: Charitable
Comment (optional)For your firm's use only, must match pre-approved text options

Schwab will not act on any instructions provided in this field
Pre-approved general text options

Example: Mortgage Payment

 

The following additional fields are required only if you have an IRA in your upload. However, do not delete the optional columns. The column header should be present even if you do not have a value in that field, so that your upload can be read by the tool.

Required header nameDescriptionRequired entry
Distribution reasonReason for retirement account distribution

Include the distribution code (not the description):

  • 1 (Early)
  • 2 (Early without penalty)
  • 3 (Disability)
  • 7 (Normal)
  • 7-RMD (RMD)
  • J (Early Roth)
  • S (Early Simple IRA)
  • T (Exception Applies)

Example: 7

 

The following additional column headers are required only if you have a PTRS account in your upload. However, do not delete the optional columns.  The column header should be present even if you do not have a value in that field, so that your upload can be read by the tool.

If you leave these fields blank for a PTRS transaction, the default values will be applied.

Required header nameDescriptionRequired entry
From Income %From Income % and From Principal % must exactly add to 100%Numerical percentage
Example: 50%
From Principal %From Income % and From Principal % must exactly add to 100%Numerical percentage
Example: 50%
Trust Tax CodeTax codeNumerical
Example: 750
Paid forOwner or beneficiary nameGeneral text
Example: John Doe

2. Save the prepared CSV file to your desktop or local computer folder.

*For non-IRA accounts displayed on the CSV file, leave the columns blank. For first-time retirement account distributions, see How to request a retirement distribution for further instructions.

†Pre-approved comment text displays on the data download file and client statement if Enhanced Reporting Services is enabled. Unapproved text is not supported and will be flagged for you to update.

1. On the Import Transactions tab within Move Money, click CSV Template. This link will download a zipped folder with the templates. Select the CSV template for the transaction type you want to upload. 

  • Use Schwab’s CSV file template and enter data based on Schwab requirements. 
    Or
  • Configure your existing CSV file with the required column headers and entries below. The column headers must be an exact match and data must be compatible with Schwab data formatting to pass validation. 

Note: Only column headers with an asterisk (*) are required for a successful CSV file upload. There are other optional columns in the template to cover data for wires where a standing authorization note is used, individual retirement account (IRA)* accounts, and Personal Trust Reporting Services (PTRS) accounts.

Column entry requirements for all account types.

Required header nameDescriptionRequired entry
*From Account #Schwab account number from which funds will be withdrawn

Numerical Examples: 

  • 12345678
  • 1234-5678
*AmountAmount of funds withdrawn

Numerical with up to two decimal points and with or without dollar sign
Examples:

  • $100,000
  • $100,000.00
  • 100,000
*Process Date

Use current date or future date

Note: Current-dated wires will only be accepted before the 2:30 p.m. ET daily cutoff. You may enter a process date within the next 90 days. 
 

MM/DD/YYYY
Example: 01/01/2021
*Receiving Bank Account #

Beneficiary account to which funds will be deposited 

To prevent formatting issues for entries that are 12 or more digits, update the Receiving Bank Account # field in the CSV file to use “Text” instead of “General” for the Number format.
 

Numerical Example: 1111111111
Wire Transmission Note (optional)

Do not include processing instructions for Schwab. 

  • Transmission note will be pulled from the standing authorization on file unless differing instructions are provided in the CSV file.
  • Valid instructions include contact names, the purpose of the funds, or other details that might be helpful for the receiving bank or intermediary handling the wire.
  • Transmission note will populate on client statements and data downloads for firms enrolled in the Enhanced Reporting Product (ERP).
Numerical and general text, up to 195 characters
Example: Information for escrow/title company

 

The following additional fields should only be used if you are completing a one-time wire using your firm’s Withdrawal Power Financial Advisor authority with Custody. If you are using a standing authorization, do not populate the below fields. However, do not delete the optional columns. The column header should be present even if you do not have a value in that field, so that your upload can be read by the tool. 

Receiving Bank ABA #

Do not populate if using a standing authorization. 

ABA # of the receiving bank – usually the bank at which funds will ultimately be deposited. However, if there is an intermediary bank needed to process the wire, this field should be populated with that bank’s ABA # instead. 

Numerical, 9 digits
Example: 111111111

Intermediary Account #

Do not populate if using a standing authorization.

This field is only applicable if there is an intermediary bank needed to process the wire. It should be populated with the account number that is owned by the beneficiary bank. 

34 alpha-numeric character limit

Characters allowed: A-Z, 0-9 and +/.-()’,?:

Intermediary Name 

Do not populate if using a standing authorization.

This field is only applicable if there is an intermediary bank needed to process the wire.

Accepts two lines within one CSV file row (Alt + Enter)

40 alpha-numeric character limit per line (80 character limit in total)

Characters allowed:
A-Z, 0-9 and +/.-()’,?:

Example: Citibank

Intermediary Address

Do not populate if using a standing authorization.

This field is only applicable if there is an intermediary bank needed to process the wire.

Accepts two lines within one CSV file row (Alt + Enter)

40 alpha-numeric character limit per line (80 character limit in total)

Characters allowed:
A-Z, 0-9 and +/.-()’,?:

Examples:

  • 3000 Schwab Way Westlake, TX 76262
  • Westlake, TX

 

The following additional fields are required only if you have an IRA in your upload. However, do not delete the optional columns. The column header should be present even if you do not have a value in that field, so that your upload can be read by the tool. 

For first-time retirement account distributions, see How to request a retirement distribution for further instructions.

Required header nameDescriptionRequired entry
Distribution reasonReason for retirement account distribution

Include the distribution code (not the description):

  • 1 (Early)
  • 2 (Early without penalty)
  • 3 (Disability)
  • 7 (Normal)
  • J (Early Roth)
  • S (Early Simple IRA)
  • T (Exception Applies)

Example: 7

 

The following additional column headers are required only if you have a PTRS account in your upload.  However, do not delete the optional columns. The column header should be present even if you do not have a value in that field, so that your upload can be read by the tool.

Required header name

Description

Required entry

From Income %

From Income % and From Principal % must exactly add to 100%

Numerical percentage
Example: 50%

From Principal %

From Income % and From Principal % must exactly add to 100%

Numerical percentage Example: 50%

Trust Tax Code

Tax code

Numerical
Example: 750

Paid for

Owner or beneficiary name

General text
Example: John Doe

Trust Comment (optional)

For your firm’s use only, must match pre-approved text options

Schwab will not act on any instructions provided in this field

Pre-approved general text options
Example: Mortgage Payment

2. Save the prepared CSV file to your desktop or local computer folder.

  1. Upload the CSV
    • In Schwab Advisor Center, go to the Move Money tool.
    • Click Import Transactions link on the top right and click Upload CSV.
    • Click Browse then use the file upload window to select the appropriate CSV file.
    • Select Open in file or drag and drop the file into the window to upload.
  2. Review and/or delete the uploaded transactions
    Transactions are color-coded to help you identify those that require action or review before submission. The color of the transaction combined with the Status column will direct you on next steps.
  3. Action Needed status: Transactions with validation errors will be highlighted in red.
    • Use the Status column to sort and quickly see all transactions with validation errors.
    • If the error can be corrected, you will see one of the following messages under the Authorization section: Multiple Standing Authorizations (SLOAs) on file or View authorization options. Selecting this link will open a pop-up where you will be prompted to select the Standing Authorization to use for the transaction.
    • If the error cannot be corrected within the import tool, you will be shown a description of the error, and you will need to click Delete in the last column of the table to proceed.
      Note: Deleted transactions will not be submitted to Schwab for processing. You will need to submit a new CSV file with corrected data. You will be able to reference the Import Transactions History section to export deleted transaction data and their errors to assist with corrections and a new upload.
  4. Ready to Submit status: Transactions without errors.
    • If the transaction is not highlighted in yellow or red, it is fully ready to submit.
    • If the check transaction is highlighted in yellow, it should be reviewed before submission as the Schwab system changed one of the following pieces of information to match our records on file: payee, address, process date, or distribution reason. For wires, yellow highlighting indicates a potentially duplicate transaction as well. 
  5. Submit Transactions
    • Click Submit Transactions.
    • Once you confirm the transactions, you will be directed to the Acknowledgement step.
  6. Acknowledge and view history of submitted or deleted transactions.
  7. Click Upload new file or View History to be redirected to the Import Transactions home page.
  8. In the History section, view previously imported or deleted transactions.
    • Click Export on the top right to download all transactions from the past 180 days.

Once you have uploaded your transaction requests:

  • Standard check and internal transfer requests received before 2:00 p.m. ET and in good order will be processed same-day on a best-efforts basis.
  • Overnight check requests received before 1:00 p.m. ET in good order will be processed same-day on a best-efforts basis.
  • ACH transactions will be processed on the same business day on a best efforts basis if received in good order by 5:30pm EST. When entering an ACH transaction on Move Money, the Withdrawal Date will default to the next business day if entered after the 5:30pm EST cutoff time, or if the future-dated ACH transaction is on a holiday or weekend.
  • Every effort is made to process wires on the same business day if received by 2:30 p.m. ET.
  • Processing time may vary if additional approval is required.
  • If you have questions about using Import Transactions, contact your Service team or technical support.

Why is my transaction highlighted in yellow?  

  • ACH, internal transfer, or check transactions could be highlighted in yellow because Schwab updated the process date to the next available business day if the upload was received after our established business-day cutoffs or if the process/withdrawal date you entered was on a weekend or holiday. The daily cut-off time for processing internal transfers or standard mail checks on business days is 2:00 p.m. ET and for overnight checks on business days is 1:00 p.m. ET. The cut-off time for processing ACH transactions is 5:30 p.m. ET. For wires, it’s 2:30pm EST.
  • The process date will not automatically default to the next available business day for wires. A wire may be highlighted in yellow because it is a potential duplicate. If any wire in the upload closely resembles a previously submitted wire, we will provide a warning that the transaction could be a duplicate and encourage you to check the account transactions table before proceeding.

When uploading check requests, why did I receive a warning message that the payee, address, process date, or distribution reason was updated for one or more of my transactions?
Transactions where the Schwab system altered what was uploaded by you will be highlighted in yellow. These transactions should be reviewed closely to ensure the instructions are submitted as intended, since they may differ slightly from the CSV file upload. To improve efficiency at the CSV file upload step for checks, the Schwab system applies any available information to your transactions based on the from account and whether you are attempting a first-party or third-party transaction.

  • If you are attempting a first-party transaction and your firm has Withdrawal Power Financial Advisor authority, we will apply the payee and address to match the information on file for the from account.
  • If you are attempting to use a standing authorization and there is only one standing authorization on file that matches the party indicator provided (1st or 3rd), the Schwab system will update the payee, recipient address, and distribution reason (if applicable) to match that standing authorization.
  • Another reason your check request might be highlighted in yellow is because the distribution reason might have been updated to be in alignment with a standing authorization on file.

What are common errors on the CSV file to avoid?
Some examples are:

  • Invalid account number
  • Invalid amount or insufficient funds in the account
  • Invalid process date
  • Invalid distribution reason or contribution type
  • Standing authorization is missing

What if transactions are deleted from the CSV file or not accepted?
Deleted transactions can be tracked by viewing history on the Upload CSV step.

  1. Navigate to View History by clicking View History on the Acknowledgement step.
  2. Click Export to download all the deleted and submitted transactions.
  3. Correct the underlying validation errors for deleted transactions.
  4. Re-upload the transactions.

What transactions are not supported on the Move Money Import Transactions tool?
Transactions requiring client authorization (generally third party transactions without a standing authorization)
Initiate and release transactions

  • Internal position transfers
  • Schwab Alternative Investment wires 
  • Recurring transactions
  • Roth conversion submissions
  • Tax distribution edits

Which account registrations are not eligible on the Move Money Import Transactions tool?
Refer to Registration types not supported for Move Money. The following additional registration types are ineligible for Import Transactions: Estate, Testamentary Trust, Guardianship, & Conservatorship.

Why are the account numbers entered into the CSV file defaulting to scientific notation and preventing submission of the file upload?
If the account number entered into the CSV file is 12 or more digits, the CSV file will default to using scientific notation. This formatting issue will prevent the transaction from being submitted successfully to Schwab. This formatting issue can be corrected from within the CSV file by changing the Number format to be "Text" instead of "General". The drop-down menu to make this change exists within the "Number" section under the "Home" tab in the CSV file. 

Does Import Transactions support transacting out of accounts using the aggregate margin balance?
The Import Transactions tool supports same day wires on accounts where the aggregate margin balance is needed to cover the transaction amount. Other transaction types must be future dated if you wish to use the aggregate margin balance as opposed to the account level balance.

Does Import Transactions support international or foreign currency wires?
The Import Transactions tool does not support foreign currency wires. International wires are supported if a standing authorization is used to complete the wire. 

How to submit a journal request online
How to submit a check request online
Introduction to Personal Trust Reporting Services
Introduction to the Move Money tool