WIRE TRANSFER ENROLLMENT QUICK REFERENCE GUIDE

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1 Online Banking WIRE TRANSFER ENROLLMENT QUICK REFERENCE GUIDE Overview WIRE TRANSFERS (also referred to as Wire Transfer Payments) is an instrument for Consumer and Small Business customers to initiate, schedule, and check the status of wire transfers all through an established network. ELIGIBILITY AND CONDITIONS» To use Online Wires, you ll need to download and complete the separate Wires Application for Online Banking. The other conditions are the same as offline wires.» You will need to enable Enhanced Account Protection (EAP - for consumers or businesses) or Dual Authorization (for businesses only).» You will only be able to send online wires from eligible checking and savings accounts. Sending from loans and credit lines isn t allowed.» You will not be able to transmit Federal Tax Wire Payments with Wire Transfers in Online Banking.» Be sure to use a browser supported by Online Banking: 1. Internet Explorer (Version 10 and above) 2. Chrome (latest version) 3. Firefox (latest version) 4. Safari (latest version) Wires Application for Online Banking - Getting started From Online Banking Menu Tabs 1. Log into Online Banking using your username and password. 2. Click on the Payments tab. 3. Select Wires Application. Page 1

2 Wires Application for Online Banking - Print, complete and submit 1 APPLICATION 1. Click on Wires Application for Online Banking Form. 2. Print, fill out and submit completed form. Your options for submitting a completed Wires Application: a) You can bring it to your local Zions Bank financial center and they ll notarize it for you. b) Or you can mail it with a notarized signature to: Online Banking Wires Operation P.O. Box Salt Lake City, UT CUSTOMER SUPPORT If you have questions about Wire Transfers or how to complete the Wire Transfer Agreement Form, simply call us at Or you can contact Online Banking support at for general questions about wires. You ll be notified by once online wires functionality is available. This can take up to three business days after your application has been received. Page 2

3 Create a Wire From Online Banking Menu Tabs 1. Click on the Payments tab. 2. Click on Wires. 3. Select Create USD Wire (we will show you how to initiate from a template later). 4. The Create USD Wire page will appear ! 6 5. Fill in the required Payment Information (marked with red asterisks).! 6. Click Create New or Choose from List to select existing recipient that has already been created. To establish recurring payments, select the box marked Make this Payment Recurring located uner the effective date. Note: The effective date is the date the wire will be sent. If the wire is initiated past the daily cut-off time (3:00 p.m. MT), the date will default to the next business day. Page 3

4 Complete Recipient s Information You can select past recipients to reuse their information. 8. Click on Create New, to add a new recipient Fill in your recipient s information. The required fields are marked with a red asterisk. 10. Create a unique Recipient ID to identify the individual or entity receiving the wire. Page 4

5 Complete Recipient s Information (continued) 11 For your convenience, we have provided a list of standard banks to choose from.! Fill in your recipient s account information. The required fields are marked with a red asterisk. 12. Click preview button. Page 5

6 Verify and Submit Wire Transfer For Business Online Banking customer, Enter Online Banking Password. 14. For Consumer and Business Online Banking customer, Verify wire information is correct and click Submit. Page 6

7 Enhanced Account Protection Enrollment (EAP) Option Before you can make your first wire transfer in Online Banking, you ll be asked to enroll in EAP (unless it s a business account with Dual Authorization; see next page). 2. Enrolling in EAP is as simple as entering a security PIN and a mobile number that will be linked to your account. 3. When you create a Wire Transfer, a one-time code will be sent to your mobile device as a text message. This one-time code is valid for 8 minutes. The PIN and the one-time code must be entered to complete the transaction. Page 7

8 Using Dual Authorization Option If you re a small business Online Banking customer, you have the option of using Dual Authorization instead of EAP. Dual Authorization requires two individuals to complete a transaction for additional control over business accounts. With Dual Auth turned on, wire requested transactions will not take effect until your second user, designated as an Approver, logs into Online Banking and approves the payment as well. For example, if you were to create a wire request, then your business partner would have to log into Online Banking, and go to the Payment Center. Your wire would show as Pending Add Approval, and your partner would then decide to Approve or Deny the request. When you enroll in Dual Authorization, you will decide who and how many Approvers you need to keep your wires secure. You will receive an when the service has been activated. Your Company System Administrator (CSA) can grant or remove the Approver designation for any user within Online Banking, by accessing the Admin tab on the main menu. By clicking on the user name, the CSA can then check or uncheck the Approver flag as desired. Page 8

9 Create Reusable Templates From Online Banking Menu Tabs 1. Click on the Payments tab. 2. Click on Templates. 3. Select Create USD Wire Template 4. The Create USD Wire page will appear Fill in required template information. (Note: Refer to Complete Recipient s Information selection for more details) 6. Click Create New or Choose from List to select existing recipient that has already been created. 7. Click preview button If you send multiple wires to the same recipient, then you can create a reusable template for future transfers. Page 9

10 Payment Center Viewing Wire Status The Payment Center is where you can search, view and manage all payment types. From the Payment Center page, you can:» View Payment Details» Modify a Payment» Approve or reject a Payment (for Businesses only)» View a Transaction Receipt» Print a Transaction Receipt Page 10