Once you are logged in to Online Banking Cash Management, you will be directed to the Online Banking main page.

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1 Online ACH Once you are logged in to Online Banking Cash Management, you will be directed to the Online Banking main page. Click on the ACH tab to navigate between ACH functions. This will direct you to your ACH Batch List. Once at the ACH batch list, all ACH batches you have set up will be displayed. From this page you can manage, create, or initiate an ACH batch. Uploading an ACH Batch The upload method allows you to upload a NACHA file/batch created by your accounting software. (If you do not have accounting software that creates such a file, you can manually create an ACH batch see instructions to create a batch manually.) Upload an ACH batch in NACHA format: Select the ACH tab. Select the Upload tab. Browse your computer for the NACHA file your software created and click Upload. Depending on the size of the issue file, this can take a few minutes. You will be directed to the ACH File Upload Results page. If needed, you can perform other Online Banking functions while the upload is in progress and check back to view the status. Click Upload Status from the ACH subcategories to view the file upload results. Once the upload is complete, click Batch List. You have the option to manage, edit, or initiate the batch once it s uploaded. From the Batch List page the status will read Uploaded. Note: At this point the file has been uploaded to the ACH system and must be initiated. See the instructions for initiating a batch. The batch must contain a balanced file, which means for all the transactions set up within a batch you must have an offsetting transaction to either credit or debit you re The Bank of Maine account for the total amount of the batch. You should be able to adjust your accounting software to include the offset transaction in the upload or you can manually add the offset transaction once the file/batch is uploaded. See instructions to add a transaction to a batch. Creating an ACH Batch (Debits or Credits) Manually You have the option to create an ACH batch manually. Once the batch has been created, the batch will be stored in our system for future use. Create an ACH batch manually: Select the ACH tab. Under Create New Batch For select the Company by using the drop-down arrow. You will be directed to the Select Company page if more than one company category code has been set up. Click on the company name line you want to work with. You will be directed to the ACH Batch Header page. The header record identifies you, the originator, and briefly describes the purpose of the entry/batch. Most of the batch header has been prefilled for you. You can edit the batch header to describe the type of ACH batch you will be initiating. Batch header fields: The discretionary data field identifies the purpose of the entry/batch (i.e., direct deposit, reg salary, bonus, advances, payments, payroll, monthly dues). When viewing this batch from the batch list, the purpose of the batch will be displayed. The entry description field describes the purpose of the entry/batch to be displayed back to the receiver (e.g., direct deposit, reg salary, bonus, advances, payments, payroll, debits, dues). It may contain up to 10 characters, including spaces. This is how the receiver will identify the

2 transaction when looking at his/her bank statement. The category code displays the three-character standard entry class code as well as the ACH payment descriptor. Examples are:"ppd Prearranged Payment and Deposit" if you are crediting or debiting a consumer s account; "CCD Cash Concentration or Disbursement" if you are crediting or debiting a business or corporate entity. The Company ID field is for your company s Tax Identification Number (TIN). The Category field may be added (or edited) to help you identify a batch. The category can be alpha/numeric and up to 16 characters. Click Submit. You will be directed to the Edit ACH Record page to begin adding transactions to the batch. Create batch transactions: Click Add Multiple Records. The Multiple Record Entry Screen will display. Click the Prenote box. A prenote (zero dollar amount) batch will be created that you may process prior to submitting a live dollar batch. Note: The prenote batch can be identified on the ACH Batch List page with PNT in front of the batch category. Please wait 10 business days to submit a live batch. You may input up to 15 transactions on this page. In the Name field, enter the name of the person/organization by which the account is held. In the ID field, enter information about the individual (e.g., Tax ID, employee number, lot or apt number, any identifying number). In the Routing field, enter the other bank s 9-digit ABA/Routing number. (The terms ABA number and Routing number have the same meaning.) In the Receiving DFI Account Number field, enter the account number. Click chk for a checking account or sav for a savings account. Enter the amount of the transaction dollars in first box, cents in second box, no punctuation. Click dr if transaction is a debit (withdrawal) or cr if transaction is a credit (deposit). The batch must contain a balanced file, meaning for all the credit or debit transactions set up within a batch you must have an offsetting transaction to debit or credit you re the Bank of Maine account for the total amount of the batch. To do this, add another transaction to the batch. For credit transactions, the offsetting transaction will be a debit. For debit transactions, the offsetting transaction will be a credit. Click Quick Add to add more than 15 transactions to the batch. Click Submit when finished with the last transaction. (You may click Cancel to clear all fields. This removes all data input.) You will receive a successfully submitted message. Click Return. You will be directed back to the ACH Batch List page. At this point the file has been created and is now stored on our ACH system. It will be necessary for you to initiate the batch. (See instructions for initiating a batch.) Creating a State Tax Payment Batch You have the option to create a State Tax Payment batch manually. Once the batch has been created, it will be stored on our system for future use. The following instructions are specific to State of Maine tax payments. If you wish to pay taxes for states other than Maine, please contact the Electronic Services Department at or toll free at , option 7. State of Maine Tax Payments You must first enroll with the Maine Department of Revenue before you can begin sending your tax payments online with Cash Management. Visit or call the Maine Department of Revenue's EFT Help Line at When requesting an enrollment form be sure to mention that you will be sending your taxes ACH credit via your financial institution. After you have sent your enrollment form to the Maine Department of Revenue, you will receive a confirmation within approximately two weeks providing specific information to use when creating your Maine State Tax Payments.

3 Create a State Tax Payment batch manually: Select the ACH tab. Select the Tax Payment tab. Go to the Pay to field and use the drop-down menu to select Maine. The screen will change to the format for Maine tax payments. In the Category field, input a category description that will help you identify this specific batch for future use. This is an alpha/numerical field up to 13 characters in length (e.g., With Tax, Use Tax). In the Receiving Institution field, click the Lookup field. The Tax Bank Lookup screen will display. In the Name column, click the line that displays the appropriate Routing Number and Account Number. The Add Tax Payment screen will display and the Receiving Routing Number and Receiving Account Number fields will be prefilled with this information. In the Company Name field, select the applicable company name using the drop-down menu. In the Tax Period field, input the tax period end date for the tax you are paying. The format is MM/DD/YYYY, even though your confirmation may have this date in YYMMDD format. You may use the calendar to the right of the field to choose the date. In the Tax Code field, input the five-digit tax payment type code. (The Lookup field is not available.) In the Taxpayer ID field, input the Taxpayer Identification Number exactly as listed on your confirmation. This number may be your nine-digit tax ID number with two trailing zeroes or a different state-assigned number, depending upon the tax type you are paying. In the Amount Type Code field, input the one-character amount type listed on your confirmation. This is a case-sensitive field. (The Lookup field is not available.) In the Payment Amount field, input the amount of your tax payment, dollars in the first box and cents in the second box. In the Pay from Account field, select the account to be debited for the tax payment using the drop-down menu. Click Quick Add. The Select Company screen will be displayed Click the Company Name that has a state tax payment description in the Discretionary Data field. A successfully added tax payment message will be displayed. Click Batch List. At this point the file has been created and is now stored on our ACH system. It will be necessary for you to initiate the batch. (See instructions for initiating a batch.) Creating a Federal Tax Payment Batch You have the option to create a Federal Tax Payment (EFTPS) batch manually. Once the batch has been created, the batch will be stored in our system for future use. You must first enroll with the IRS before you can begin sending your federal tax payments online with Cash Management. Visit or call the EFTPS Customer Service Center at Be sure to enroll for the ACH Credit option, which means that you will be sending your taxes via ACH credit through Savings Bank of Maine. Create a Federal Tax Payment batch manually: Select the ACH tab. Select the Tax Payments tab. Go to the Pay to field and use the drop-down menu to select Federal. The screen will change

4 to the format for Federal tax payments. In the Category field, input a category description that will help you identify this specific batch for future use. This is an alpha/numerical field up to 13 characters in length (e.g., Empl Qrtly, Ann Unemp). In the Receiving Institution field, click Look up and select Bank of America. The correct Receiving Routing Number and Receiving Account Number information will be filled in. In the Company Name field, select the applicable company name using the drop-down menu. In the Tax Period field, input the applicable tax period end date in MM/YY format. In the Tax Code field, use the drop-down menu to select the correct five-digit tax type code. They are listed in numerical order. For a brief moment the screen will appear to be updating. In the Tax Payer ID field, input your nine-digit Federal Tax Identification Number with no spaces or dashes. In the Payment Amount field, input the amount of your tax payment, dollars in the first box and cents in the second box. In the Pay from Account field, select the account to be debited from the drop-down menu. In the Tax Information ID 1 field, input 1 in the first box and the total amount of the tax in the amount boxes, or the amount of Social Security for tax type code (Employer s Quarterly Tax Return Federal Tax Deposit) if you break these figures out, which is optional. In the Tax Information ID 2 field, input 2 in the first box and leave the zeroes in the amount boxes, or the amount of Medicare for tax type code if you break these figures out, which is optional. In the Tax Information ID 3 field, input 3 in the first box and leave the zeroes in the amount boxes, or the amount of Withheld for tax type code if you break these figures out, which is optional. Click Quick Add. The Select Company screen will be displayed. Click the Company Name that has a tax payment description in the Discretionary Data field. A successfully added tax payment message will be displayed. Click Batch List. At this point the file has been created and is now stored on our ACH system. It will be necessary for you to initiate the batch. (See instructions for initiating a batch.) Adding, Editing, and Deleting Transactions to an Existing Batch Once a batch has been created it is stored in your ACH Batch List and you can add, edit, or delete transactions within the batch. Add a transaction within a batch: Next to the batch you wish to manage, select Edit from the Select Activity drop-down menu. You will be directed to the ACH Record List screen. Click the Add Record button located on the right-hand side of the page. The Edit ACH Record screen will be displayed. In the Name field, enter the name of the person/organization by which the account is held. In the ID field, enter information about the individual (e.g., Tax ID, employee number, lot or apt number, any identifying number). Enter the amount of the transaction, dollars in the first box, cents in the second box, no punctuation. Click the Prenote box. By clicking on this field, a prenote (zero dollar amount) batch will be created for the new transactions that you may process prior to submitting live dollar transactions. Please wait 10 business days to submit live dollar amounts for the new transactions. In the Routing # field, enter the other bank s ABA/Routing number. (The terms ABA number

5 and Routing number have the same meaning.) You may use the Search for button to help you find or verify the correct Routing number. Click the Search for button and an ABA Lookup-ACH screen will be displayed. Input some or all of the fields and press Submit. A listing of banks will appear, depending on how much or how little information you keyed in the first screen. Locate the Routing number you want and click on it. You will be brought back to the Edit ACH Record screen and the Routing number will be displayed. The Search for button is optional. In the Account Type field, select Checking or Savings from the drop-down menu. In the Account Number field, enter the appropriate number. Click the Debit (withdrawal) circle or the Credit (deposit) circle, as applicable, in the Transaction Type field. Click the Hold circle in the Status field so the prenote file may be processed for the new transactions. The Hold button will prevent a live dollar transaction from being processed until the proper time. Click Quick Add to add more transactions to the batch. Click Submit when finished with the last transaction. Click Cancel to clear all fields. The ACH Record List will be displayed. The transactions entered will have a Y in the Held field. Click Return. The ACH Batch List will be displayed. The batch will be updated and you will see another batch with the same name including the letters PNT (Prenote) on the left side of the batch name. You will want to initiate the PNT batch to process the prenote(s). Edit a transaction within a batch (e.g., remove Held status, change dollar amount, change account number): Next to the batch you wish to change, select Edit from the Select Activity drop-down menu. You will be directed to the ACH Record List. Click Edit next to the transaction you want. You will be directed to the Edit ACH Record screen displaying all the current transaction information. Input the necessary changes to the transaction. Click Submit. The ACH Record List will be displayed and the transaction updated. Click Return. The ACH Batch List will be displayed. Delete a transaction within a batch: Next to the batch you want to delete a transaction from, select Edit from the Select Activity drop-down menu. You will be directed to the ACH Record List. Click Delete next to the applicable transaction. You will be directed to the Delete ACH Record page. Click Delete once more to confirm. Click Cancel if this is not the correct transaction. A record successfully deleted message will display above the ACH Record List. Click Return. Quickly Changing Only the Transaction Amounts within a Batch You can change the transaction amounts without having to edit each transaction individually. Change only the transaction amounts within a batch: Select the ACH tab. All ACH batches you have set up will be displayed Next to the batch you wish to change amounts for, select Quick Edit from the Select Activity drop-down menu. You will be directed to the ACH Record List Amounts. Enter the new amounts. Click Save. If there are multiple pages of transactions, you will need to click Save before going

6 to the next page to enter more amounts. Note: Check mark the Hold box if you wish to set up this transaction with a zero dollar amount. You can place transactions on hold if you need to keep the transaction information on our system, but not include the transaction in the batch when initiating. Viewing the Transactions within a Batch Once a batch has been created it will be stored in our system. To view the transactions within a batch, follow the instructions below: Next to the batch you wish to manage, select View from the Select Activity drop-down menu. You will be directed to the ACH Record List. All transactions within a batch will display. Click Return to go back to the ACH batch list. Printing or Downloading a Summary of the Transactions Included in a Batch Once a batch has been created it will be stored in our system. To print or download (PDF format) the transactions within a batch, follow the instructions below: Next to the batch you wish to print, select Download from the Select Activity drop-down menu. You will be directed to the ACH Record List Download. Select the way you would like the list to be sorted and click Submit. Click on the ACH Record List Download link to open the file in Adobe Reader. There are instructions provided on this page to assist in saving the file to your computer. All transactions within a batch will display. You can print the list or save the file to your computer. Copying All the Transactions within a Batch to a New Batch Once a batch has been created it will be stored in our system. To copy the transactions to a new batch, follow the instructions below: Next to the batch you wish to copy, select Copy from the Select Activity drop-down menu. You will be directed to the Copy ACH Batch page. Enter a new batch name into the Copy Batch To field and click Submit. The copied batch will be added to the ACH batch list. Editing the Batch Header Category Once a batch has been created it will be stored in our system. To change the batch header category, follow the instructions below: Next to the batch you wish to manage, select Edit Category from the Select Activity dropdown menu. You will be directed to the ACH Batch Header page. In the Category field, make the necessary changes and click Submit. You will be directed to the ACH Batch List page and a successfully modified message will appear. Initiating a Batch or Multiple Batches Once a batch has been created or modified it is necessary for you to initiate the batch for processing. Use the following instructions for initiating a single batch or multiple batches. Initiate a single batch: Next to the batch you wish to initiate, select Initiate from the Select Activity drop-down menu. You will be directed to the ACH Record List page. You will be able to view all the transactions within the batch.

7 To the right of the Select Date box, click on the calendar box. The current month will be displayed. Click the appropriate effective date. (If your batch is effective for the following month, for example on April 28 and you are sending a batch effective for May 2, click the right arrow located beside the month and year on the calendar.) The ACH Record List will be displayed again and the effective date will display in the Select Date box. You have the option to reset the amounts to zero by clicking the Reset amounts to zero after processing batch box. This will ensure that the batch does not get initiated on a future date with incorrect amounts or accidentally initiated. When ready, click Initiate. Once initiated, you will be directed back to the ACH Batch List, a confirmation message will be displayed, and the status next to the batch will be displayed as Initiated. Later in the day the status next to the batch will be displayed as Processed. Initiate multiple batches: Check the box to the left of the Ready status for each batch to be initiated. Click Quick Initiate at the bottom left side of the page. All batches checked will be displayed. For each batch, you will need to select the effective date. To the right of the Effective Date field, click on the calendar box. The current month will be displayed. Click on the appropriate effective date for the selected batch. (If your batch is effective for the following month, for example on April 28 and you are sending a batch effective for May 2, click the right arrow located beside the month and year on the calendar.) The Quick Initiate list will be displayed again and the effective date will be displayed. You have the option to reset the amounts to zero by selecting the Reset Records box. This will ensure that the batch does not get initiated on a future date with incorrect amounts or accidentally initiated. When ready, click Initiate. Once initiated you will be directed back to the ACH Batch List, a confirmation message will be displayed, and the status next to the batches you selected will be displayed as Initiated. Later in the day the status next to your selected batches will be displayed as Processed. Note: Each batch must contain a balanced file before you can initiate it, meaning the total of the credits must equal the total of the debits. To ensure settlement on the effective date you provided, you must initiate each batch at least one banking business day before the effective date. The effective dates must be business days no holidays, Saturdays, or Sundays. Batches cannot be initiated more than 10 business days into the future. Deleting a Batch You have the option to delete an ACH batch. Note: Deleting a batch will delete all transactions within the batch and the batch cannot be retrieved once deleted. Next to the batch you wish to delete, select Delete from the Select Activity drop-down menu. You will be directed to the ACH Record List page. Click Delete once more to confirm deletion. Stopping ("Uninitiating") a Batch from Being Processed If an ACH batch was initiated in error, you can uninitiate it so the batch will not be processed. This can only be done if the status of the batch is initiated. A batch with the status of processed cannot be stopped or uninitiated from being processed. Uninitiate a batch:

8 Next to the batch you wish to uninitiate, select Uninitiate from the Select Activity drop-down menu. The ACH Record List will be displayed. Click Uninitiate. A message listing the batch name uninitiated will be displayed and the batch will not be processed.