Cathay Business Online Banking Quick Guide

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1 Cathay Business Online Banking Quick Guide Effective 06/2016

2 Disclaimer: The information and materials in these pages, including text, graphics, links, or other items are provided as is and available. The information and materials may contain errors, problems, or other limitations and Cathay Bank expressly disclaims any liability for such errors, omissions, problems, other limitations. Cathay Bank does not make any representations, warranties, or guarantees whatsoever as to the accuracy, adequacy, reliability, correctness, completeness, or suitability of such information and materials or their applicability to a particular situation. 05/ Page 2 of 55

3 Welcome Welcome to Cathay Business Online Banking. With Cathay Business Online Banking, you may access your accounts conveniently and safely 24 hours a day, seven days a week, anywhere an Internet connection is available. This guide is designed to help you navigate the Cathay Business Online Banking system. By utilizing the enhanced features such as account reporting, alerts, wire transfers, and ACH origination, you will be able to reduce the amount of time you spend managing your finances. For a complete list of topics, click the Help link in the top right corner of any Cathay Business Online Banking page. You may customize your user profiles, alerts, and transactions to better meet your individual business banking needs. The high level of control, freedom, and flexibility will ensure that your cash balances are constantly working hard for you. The Cathay Business Online Banking features include: Dashboard: A customizable Welcome page that allows you to add specific account information panels such as Important Account Balances, Transfers and Payments Approval, and Recent Transactions. Alerts: A customizable messaging system that informs you when specific events have taken place. User Maintenance: The ability to copy user profiles to save time setting up new users. Incoming Wire Reports: Complete real-time information upon receipt of an incoming wire transfer. Positive Pay: Examine specific checks and payment decisions. ACH Origination: Automated Clearing House Origination allows you to originate electronic debits/credits against your account and accounts at other banks with proper authorization. An ACH transfer is commonly used to process direct deposit of payroll, collect or make payments, or concentrate funds from other financial institutions. Wire Transfer: Initiate domestic or international wire transfers without having to visit a branch at a reduced fee. Funds Transfer: Transfer funds at your convenience between your Cathay Bank accounts with the same ownership. 05/ Page 3 of 55

4 Security Depend On Us For Security Cathay Bank is committed to making sure that your Online Banking experience is safe and secure. With our security infrastructure in place, you can be confident that access to your accounts is private and reliable. Our systems are secured with encryption, perimeter and internal firewalls, screen and filtering routers, intrusion detection, strict authentication, virus protection, and application security. Application security includes user lockouts due to failed logons and additional encryption of sensitive user data during sessions. To further safeguard your information, Cathay Business Online Banking requires the use of a one-time security code via a telephone call or SMS (Short Message Service) text message to sign on from a new device. Our network architecture is structured so the servers that store actual account information are not directly connected to the Internet. Confidentiality Security is strengthened by your efforts in keeping all account and login data confidential. Never share your password with anyone and never include specific details using unsecured . Passwords The most secure passwords are those which use a combination of both letters and numbers. Avoid using easily obtained personal data within your password, such as initials, birth dates, or relatives names. Signing Off If you must step away from your workstation even for a moment while using Cathay Business Online Banking, be sure to sign off from or lock your session to ensure account data is not reviewed or altered by unauthorized individuals. 05/ Page 4 of 55

5 System Requirements Below is a list of operating systems ( OS ) and browsers that have been approved to meet security and application requirements for Cathay Business Online Banking. Other OS and browsers may be used; however, they are not supported by the Bank and some features may not function properly. For maximum security, Cathay Bank recommends the use of the latest browser versions offered (including security patches). Versions that are two releases or older than the current release are not supported. Additionally, if a browser or operating system is no longer supported by the vendor, it is no longer supported by Cathay Bank. Many vendors are pushing browser updates to the latest version using automatic downloads. You may not be aware the browser has been updated. Once updated, many browsers cannot be set back to earlier versions if a problem occurs. Beta versions of browsers and operating systems are not supported. Browser Configuration Browser must be configured to support: 128-bit encryption JavaScript Cookies Cascading Style Sheets Browser page cache should be set to get a new version every visit to the page Minimum Hardware 1 GHz Celeron processor 1024x768 SVGA resolution at 256 colors 500 MB RAM 128 Kbps (slowest DSL) or faster 05/ Page 5 of 55

6 Table of Contents Welcome... 3 Security... 4 System Requirements... 5 Table of Contents... 6 Accessing Cathay Business Online Banking... 8 Secured Login... 9 One-Time Security Code Phone Call Authentication Text Message Authentication Password User Administration Password Change Account Summary Account Details Transaction Search Balance Alerts Internal Transfer Wire Transfer Wire Transfer - One Time or New Template Wire Transfer Existing Template Approving Wire Transfers ACH Transactions Initiating ACH Transactions One-Time ACH Create an ACH Template / Page 6 of 55

7 Use an Available ACH Template Approving ACH Transactions Positive Pay Positive Pay Input Check Issues Positive Pay Upload Check Issues Positive Pay Manage Exceptions Issue Status Report Stop Payment - Add Stop Payment View or Delete / Page 7 of 55

8 Accessing Cathay Business Online Banking To access Cathay Business Online Banking, open an Internet browser, enter the Cathay Bank internet address ( and perform the following steps. 1. At Cathay Bank s home page, click Business Banking in the Online Banking box. 2. Enter your Company ID. 3. Enter your User ID. 4. Click Log In. If this is your first login or you are logging in from a new device, you will be prompted for additional security as outlined on the next page. If not, you will be prompted for your password. Go to Password section. 05/ Page 8 of 55

9 Secured Login 1. To help safeguard your information, if you are logging in from a device you have not used before or this is your first login, you will be prompted to validate your identity through a One-Time Security Code. 2. A phone call or SMS (Short Message Service) text message is used to confirm your identity. You choose which method to use. Note: Based on your carrier contract, you may be charged standard text message rates for SMS messages. 3. Click Continue with Security Code. 05/ Page 9 of 55

10 One-Time Security Code 1. Select Phone or Text message to receive the one-time security code. Note: The text message must be sent to a mobile phone number already on file with the bank. 2. Click Continue. 05/ Page 10 of 55

11 Phone Call Authentication 1. If you select to be contacted by phone, your One-time Security Code will be displayed. You will: - Receive a recorded telephone message. Follow the prompts. - Need to speak or enter the security code once you receive your phone call and are prompted to do so. - Have 3 attempts to correctly speak or enter the code. 2. After receiving a successful response, click Phone Call Completed. You will proceed to the Password page if the code is entered correctly. 05/ Page 11 of 55

12 Text Message Authentication 1. If you select to be contacted by text message, enter the Mobile phone number. 2. Click Send Text Message. If the mobile number matches a number on record with the bank, a text message containing a One-Time Security Code is sent to your phone. 3. Enter the code and click Submit. You have 3 attempts to enter the security code correctly. You will proceed to the Password page if the code is entered correctly. 05/ Page 12 of 55

13 Password 1. Enter your Password. 2. Users who forget their passwords and have not been locked out from the system can reset the password by clicking reset it yourself from the sign in page. Users who are locked out should contact their company administrator. For administrator lockout, call CATHAY. 3. Click Sign In. 4. If you are entering the password for the first time, you ll be asked to reset your password on the Reset Password screen. Enter the temporary password provided as the Current password, create a new password, confirm the new password, and click Submit. Password Requirements: Case specific. Must be at least 8 characters but no more than 12 characters in length. Must include a combination of three of the four following character types: 05/ Page 13 of 55

14 Upper case letters: A through Z Lower case letters: a through z Numbers: 0 through 9 Special characters: # % ^ & * ) ( _ + = /? ; :. } { - [ ] Cannot include more than three consecutive identical characters. Cannot be one of 15 previously used passwords (not applicable for first time login). Expires every 90 days. Can only be changed once a day by own user. 05/ Page 14 of 55

15 User Administration The User Administration option is used by the company administrator to add, modify and delete the company s end users, and to determine the services and accounts users can access. Under User Administration, a profile is created for each user including a unique ID, secure password, and the services to which the user is entitled. It is highly recommended that the administrator only use the adminstrator login for administrative functions and set up a non-administrator login for daily duties. 1. From the Administration menu, select the Manager users link. 2. Select Create new user to advance to the New User Profile page. 3. Under Manage Existing Users, in the User ID column, click on the desired User ID to make edits or to delete. 05/ Page 15 of 55

16 4. Enter the User Information for each field. Note: Up to two addresses may be listed. 5. Click Continue. 6. Chose Copy user to duplicate an existing user s access or select the User Roles. Click Continue. 05/ Page 16 of 55

17 7. Under the Services & Accounts link, click Add next to each service to which the user is entitled. If available, check the Entitled Account boxes to entitle the user to accounts and reports, then click Save changes. 8. Click Continue. If the new user is allowed to approve transactions and ACH, Wire or Bill Pay services are enabled, the New User Limits page for each service will appear in the following sequence: ACH, Wire, Bill Pay. If not, the New User Limits page will indicate that no services were added to the user s profile that require limit settings. 05/ Page 17 of 55

18 9. Set a User Daily Service Limit if ACH, Wire or Bill Pay services are enabled. If User limits are not defined, then the company level limits will apply. User limits may not exceed the company level limits. 10. Click Continue. 05/ Page 18 of 55

19 11. Review the user s profile. Edit the profile if necessary by clicking Change Profile, or click Submit if no edits are required. 05/ Page 19 of 55

20 Password Change 1. From the Administration menu, select the Change Password link. 2. Enter the Current Password and the New Password in the designated fields. 3. Re-enter the new password in the Confirm Password field. 4. Click Save changes. Note: Users who forget their passwords and have not been locked out from the system can reset their password by clicking reset it yourself from the sign in page. Users who are locked out should contact their company administrator. For administrator lockout or password resets, call Customer Service at CATHAY ( ). 05/ Page 20 of 55

21 Account Summary Users can view deposit balances, loan balances, and transaction history for each account. 1. From the Welcome menu, select the Add Info Panels link. 2. Click Add now to add the Important Account Balances panel to view current-day account balances for up to 7 accounts; the Balance Snapshot panel to view balances from the previous day or a specific day in the past; and the Recent Transactions panel to view transactions from the last 30 calendar days for an entitled checking or savings account. 3. The system checkmarks the panel that was added. After the desired panels have been added, click Dashboard to return to the Welcome page. 05/ Page 21 of 55

22 4. Click Edit accounts displayed to select the account(s) and date(s) to be displayed. 5. Select the account(s) to be displayed, then click Save. The user s Welcome page will now display the accounts that were selected. 6. To view detailed account information about a specific account, click on the account number 05/ Page 22 of 55

23 7. Click the Account Summary link and select the report criteria for account information, date range, and/or account sort. Click Generate report. 8. Click Print this page to send the displayed data to your printer. 05/ Page 23 of 55

24 Account Details Account transaction data can be viewed and sorted for quick, convenient access. The data can be saved to the user s network or computer in a variety of formats to meet the user s particular reporting needs. 1. From the Welcome menu, in the Important Account Balances panel, click on a specific account number to view detailed account information. 2. To download a report with the account information, click the Activity deposit account link. 3. Select the report format from the drop down menu and click Go. 05/ Page 24 of 55

25 Transaction Search Users may search transactions through a combination of accounts, date range, check number(s), dollar amounts, or transaction type. 1. From the Welcome menu, in the Important Account Balance panel, click on a specific account number to view detailed account information. 2. Click the Activity deposit account link to advance to the Deposit Account Activity page and view account activity or to perform a transaction search. 05/ Page 25 of 55

26 3. Enter one or a combination of General Search Options, such as account, date, and transaction type. 4. Click Search to display the search results. 05/ Page 26 of 55

27 Note: To start a new search, click the New Search link again. 05/ Page 27 of 55

28 Balance Alerts Cathay Business Online Banking keeps track of account activity by allowing the user to set up Balance Alerts. An notification will be sent to the user s when an account level exceeds or falls below a set threshold. 1. From the Administration menu, select the Manage Alerts link in the Communications group. 2. Select the designated Account from the drop down menu to set up the alert. 3. Select the Balance and Activity types (Maximum Balance & Minimum Balance) and click Add. 4. Set the balance threshold by entering the amount. 5. Click the check box associated with each Send To option to link the alert to an address. 6. Click Add alert to save your selection. Note: The Send To column does not appear if you do not have an address or mobile telephone number defined on the Personal Preferences page. 05/ Page 28 of 55

29 Internal Transfer Use Internal Transfer or Multiple Account Transfer to move money between your accounts within Cathay Bank immediately or on a future date (one-time or scheduled). The process is the same for both options. Only Internal Transfer screens are displayed below. 1. From the Transfers and Payments menu, select the Transfer Money Internal or Multiple Account Transfer link. 2. Select the From Account and To Account from the drop down menus. 3. Enter the transfer Amount, Description (optional), and Frequency from the drop down menu. Note: The Description field allows up to 36 alphanumeric characters. 4. Click Continue to process the transfer(s). 5. Once the request is entered, the Verify Transfer page displays. Review the request and click the submit for approval link (if you are not authorized to approve a transfer) or Approve. On each scheduled date, the request will be transmitted. A Confirmation page will confirm that the request was successfully transmitted. 05/ Page 29 of 55

30 Wire Transfers Wire Transfer - One Time or New Template Users can send a one-time wire transfer or establish a template if a wire transfer will be sent to the same payee on a regular basis. The system will store templates so users can reuse them later. Transfers can be scheduled for the current day or future dated. IMPORTANT: Once the wire transfer is submitted, no changes can be made. Contact the Bank for assistance to cancel or amend the wire instructions. 1. From the Transfers and Payment menu, select the Wire Money link for a one-time wire or to set up a new wire template. If a template has already been set up, select Wire money via template or Wire money via multiple templates. 2. Enter the Wire type information from the dropdown menu and the Template name box will be opened. To set up a template for future use, enter a template name, complete the remaining information, and click Continue. For a one-time wire transfer, leave the Template name field blank. 05/ Page 30 of 55

31 3. Enter the Recipient Information for each field. The Bank ID Type automatically populates as ABA for domestic wires. For international wires, Users should select Bank ID Type SWIFT. For Bank ID, enter an ABA number for domestic wires or a SWIFT code for international wires. To search for the correct ID number, select Bank ID search. To validate an ID number, select Bank ID validate. Do not abbreviate the recipient name. If additional space is needed, enter the remaining name information in the Recipient address 1 field and enter the actual address information starting in the Recipient address 2 field. Do not mix name and address information in the same box. The Beneficiary Bank may not credit the beneficiary if the name is not an exact match to their records. If that happens, the wire may be delayed or returned, you may have to pay a wire amendment fee, or you may have to rewire the funds with the correct recipient name at an additional cost. 05/ Page 31 of 55

32 4. For international wires, enter the First Intermediary Information. For domestic wires, leave blank. Select ABA as the Bank ID Type and enter an ABA number in the Bank ID field. If a correspondent bank was provided by the recipient, use that information. If no correspondent bank was provided by the recipient, enter ABA number to automatically select Standard Chartered Bank. Do not leave this field blank. 5. The Wire Initiator Information automatically populates with the company s information on file. Users can edit as needed. 6. Click Continue. 05/ Page 32 of 55

33 7. A Verify Wire page will display the information for review. If you have approval authority, click Approve. If you do not have approval authority, click submit for approval. Note: To approve templates or wires, select Approve Wires or Approve wire templates from the Wire Transfer menu options. 05/ Page 33 of 55

34 Wire Transfer Existing Template Use of existing templates only requires minimal input (date, transfer amount, and optional information for recipient s information). Transfers can be scheduled for the current day or a future date. NOTE: Once the wire transfer is submitted, no changes can be made. Contact the Bank for assistance to cancel or amend the wire instructions. 1. For single wire requests using templates, select the Wire money via template link. For multiple wire requests using templates, select the Money wire via multiple templates link. (Only the single wire request information is provided here.) 2. Select a Template name from the drop down menu. 3. Click View template details to verify the information. 4. Enter the amount of the transfer in the Amount field. 5. Enter any Additional information to recipient (optional). 6. Select a transfer Frequency one time only or a recurring transfer request frequency. 7. Click Continue. 05/ Page 34 of 55

35 8. A Verify Wire page will display the information for review. If you have approval authority, click Approve. If you do not have approval authority, click submit for approval. Note: To approve templates or wires, select Approve Wires or Approve wire templates from the Wire Transfer menu options. 9. A Wire Confirmation page will confirm that the request was successfully transmitted or to remind you that additional approvals are required. 05/ Page 35 of 55

36 Approving Wire Transfers In many cases, wire transfers must be approved before processing is complete. Wire requests must be approved by the 1:30 p.m. PST cutoff time for same-day processing. 1. From the Transfers and Payments menu, select the Approve Wires link. 2. Click the appropriate Account link to view the Wire Detail. 3. If applicable, verify the daily limit and the amount used that day by clicking View your wire limits. 4. Edit the wire transfer by clicking on the account link. 5. Make changes to the wire by clicking Edit Request. 6. Return the wire to another company user for editing by clicking Return wire for edit. 7. Delete a pending wire transfer by clicking Delete Request. 05/ Page 36 of 55

37 8. If no edits are needed, click Transmit. Users may be required to process a One-Time Security Code for authentication. 9. A Wire Approval Confirmation page will confirm that the request was successfully transmitted, or will indicate errors that need to be corrected before the request is processed. 05/ Page 37 of 55

38 ACH Transactions Initiating ACH Transactions To send or collect funds through the ACH transfer system, users must initiate and approve a templatebased or one-time CCD (Corporate Credit or Debit) or PPD (Prearranged Payment and Deposit) formatted request. The process is the same for both options, so only ACH Payment screens are displayed below. Multiple ACH payments can be entered and sent. Templates should be set up for recurring transactions to reduce manual input. 1. From the Transfers and Payments menu, select the Make ACH payment/manage template (credits) or Collect money via ACH/Manage templates (debits) link. Only the payment screens are displayed. 2. Click the appropriate link and see the instructions on the following pages based on the type of ACH transaction. For a one-time ACH, click the Send money without a template link. For a new template, click the Create a Template link. For an existing template, click the appropriate Template Name link. 05/ Page 38 of 55

39 One-Time ACH 1. Enter the appropriate information and click Continue. The Maximum transfer amount is the total of the ACH items. 2. Enter the individual item information and click Continue. 05/ Page 39 of 55

40 3. Confirm the information on the Verify Payment screen. Press Approve if you have approval authority or Submit for approval if you do not have approval authority. 4. If further approvals are required, the Approval History Information will display the information on the Payment Confirmation screen. Ensure that the appropriate approving employee approves the ACH transaction by the 3:30 p.m. PST deadline or the ACH payments it will not be transmitted for processing. 05/ Page 40 of 55

41 Create an ACH Template 1. Enter the appropriate information (including template name) on the Add Template screen and click Continue. 2. Enter the Debit/Source Accounts information on the Add Template Source Accounts screen and click Save template. To add additional rows of information, click the Add additional detail row link. 05/ Page 41 of 55

42 3. Review the new template information on the Template Confirmation screen. If everything is correct, the template must also be approved before the ACH transaction can be released. Click Approve ACH templates to approve the template and transactions for processing. Use an Available ACH Template 1. If sending ACH through an existing template, a list of available templates will be displayed. Click the name of the template under the Template Name field. (The examples below are for ACH Collections only. ACH Payments work the same way.) 05/ Page 42 of 55

43 2. To make any changes to the existing template, click the Edit templates link. Otherwise, click the Use this template link. 3. Make any changes and click Continue. 05/ Page 43 of 55

44 4. If you have approval authority, click Transmit. If you don t have approval authority, click submit for approval. 5. Ensure the required number of approvals has been obtained on the Collection Confirmation screen. If not, go to Approve ACH transactions in the ACH menu options. 05/ Page 44 of 55

45 Approving ACH Transactions If you have requested dual verification, ACH transactions must be approved before processing is complete. ACH requests must be approved by the 3:30 p.m. PST cutoff time for same-day processing. 1. From the Transfers and Payments menu, select the Approve ACH Transactions link. 2. Click the appropriate Account link to view the transaction details. 3. If the information is inaccurate, click Delete request. 4. If applicable, verify the daily limit and the amount used that day by clicking View your ACH Limits. 5. If no edits need to be made, click Transmit. Users may be prompted with a One-Time Security Code authentication process. A Confirmation page will confirm the request was successfully transmitted. 05/ Page 45 of 55

46 Positive Pay Issues Positive Pay Input Check Issues Positive Pay Enter Issues allows users to manually enter check data and submit issues for processing. (For importing lists of check issues, see Positive Pay Upload Check Issues.) 1. From the Account Services menu, select the Enter Issues link. 2. Select the Account from the drop down menu. 3. Enter the Item Details by completing each field. 4. If the Positive Pay entries are in sequential order and you want to enter another issue, check the Sequential Entry box. 5. Click Continue. 6. Review the manually entered issues in the Verify Issue screen. To edit the account information, click Edit item. 7. Click Add Issue to complete the process, or if the user is not authorized to approve the transaction, click submit for approval to send the request for approval. 05/ Page 46 of 55

47 8. A Confirmation message will confirm the manual Issue Entry was successful. 9. To continue to add issues, click New entry. Positive Pay Upload Check Issues Positive Pay Import issues allows users to upload the check data from an issues register file created by a checkwriting application or spreadsheet. 1. From the Account Services menu, select the Import issues link. 2. Select the format from File Definitions; or 3. Create a new format by clicking Add a file definition, if desired. 4. Click the link View the status of files imported in the last 40 calendar days, if you wish to view previously imported files. 5. Click Continue. 05/ Page 47 of 55

48 6. On the Select File page, click Browse and select the check issue file to import. 7. Click Import file to send the issue file. 8. An Import Confirmation page will confirm that the file was successfully transmitted to Cathay Bank. 05/ Page 48 of 55

49 Positive Pay Manage Exceptions Positive Pay Manage Exceptions allows users to review any discrepancies that have occurred between the user s issues record and those processed by Cathay Bank. Exceptions could indicate possible fraud. Any fraudulent items need to be returned the day they appear as exceptions. For each exception item, users can instruct Cathay Bank on what action to take. If approvals are required, they must be completed by the cutoff time listed on the screen or the decisions will not be applied. The Check Exceptions Awaiting Decision section displays exception items the user must review. 1. From the Account Services menu, select the Manage exceptions link. 2. Select the check box next to the exception item(s) to process. Select the Decision from the drop down menu to instruct Cathay Bank to pay or return each item. 3. Click Continue to submit the selected exceptions for verification. 05/ Page 49 of 55

50 4. Click Approve/Transmit on the Verify Decisions screen to send the decisions. 5. A Decision Confirmation screen will be displayed. 6. From the Account Services menu or the link on the left, select the Approve decision files link. 05/ Page 50 of 55

51 7. On the Approve Decisions File screen, click the current day Filename and click Approve. 8. The Decision File Approval Confirmation screen shows that the file has been approved. 05/ Page 51 of 55

52 Issue Status Report Users can view the history of the issues they submitted and their status, whether manual or imported, from the Issue Status Report. 1. From the Account Services menu, select the Issue status link. 2. Select the Report Criteria selections for Output to, Account, Date Range, and Date type. Data up to 18 months are available for the data range selection. A maximum of 3 months may be retrieved in a single search. 3. Click Generate report. 4. Sort information in the Issue Status by clicking the desired field name in the table header. 05/ Page 52 of 55

53 Stop Payment - Add Use Stop check payments to request a stop payment on a single check or a range of checks for a single account. Stop payment fees apply. For ACH stop payments, please contact your local branch. 1. From the Account Services menu, select the Stop check payments link. 2. Select the desired account from the drop down menu to set up the stop payment. 3. Select Stop a single check or Stop a range of checks 4. Complete the check information fields for check number, date, or the first last check numbers in a range. 5. Click Continue to enter the stop payment request. 6. Click Submit request on the Verify Stop screen to submit the request. 05/ Page 53 of 55

54 7. A Stop Payment Confirmation page will confirm that the request was successfully transmitted. Stop Payment View or Delete Use Existing stops to view or delete existing stop payments. 1. From the Account Services menu, select the Existing stops link. 2. Select the Account and the date or date range and click Generate report. 05/ Page 54 of 55

55 3. For more detail, click the check number. 4. To cancel a stop payment, click the Cancel link. 05/ Page 55 of 55

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