A QUICK AND EASY GUIDE TO CITY NATIONAL BUSINESS ONLINE

Transcription

1 A QUICK AND EASY GUIDE TO CITY NATIONAL BUSINESS ONLINE June 06

2 WELCOME Welcome to City National Business Online, available to you 4 hours a day, seven days a week. This guide will help you navigate the Business Online system. By utilizing features such as balance and activity reporting, online statements, transfers, and automated bill payment, you will be able to minimize the time you spend managing your company s finances. City National offers a wide variety of online services and features that can be customized to meet your money management needs so that you can optimize your account payables and receivables and maximize your cash balances. Here are just a few of the features that will give you control and flexibility making your job easier. Account Balance Summary View Detail Transaction Views and Downloads Balance and Transaction Alerts Online Statements Check Images Deposit Ticket and Item Images Stop Payments Account Transfers Bill Pay Employee User Management 6/06

3 TABLE OF CONTENTS Security.. 4 Logging In Balance and Activity Reporting Home Page Account Activity... 7 Reports... 8 Alerts. 9 Image Inquiry and Stop Payments Online Statements Check Images.... Deposit Ticket and Item Images... QuickBooks and Quicken Download Stop Payments Account Transfers Single or Recurring Transfers Multiple Transfers Bill Pay Payee Management... 0 Payments Recurring Payments... E-Bills Administration User Management.. 4 Password Changes.. 5 Customer Support Customer Support Contact Information.. 6 6/06 3

4 SECURITY What is City National Bank Doing to Help Protect You? City National has established effective controls to help protect your customer information and online transactions. Secure Log-on Two-tier log-on required (User ID and Password). Controlled aging of passwords which expire at specified intervals. System ensures user is logging in from known computer or user is challenged with questions that only the user should know. System disables user after specified number of unsuccessful log-on attempts. Auto log-off after pre-established time limit. Multi-user Management and Entitlement Controls Company administrator controls setup and maintenance of all end users. Specify accounts and specific functionality and feature access rights by user. Company administrator can audit and track logs of all user transactions and activities. Secure Data Transmission 8-bit data encryption of all data sent and received. What Do You Need to Do? Install anti-virus, anti-spyware and anti-adware software. Install a firewall and only allow the necessary incoming and outgoing connections. Do not download freeware or shareware from unfamiliar sources. Manage your User ID and Password carefully by ensuring that only you know your login credentials. Access the Business Online site using a secured computer versus a public or shared computer. It is impossible to know that a public computer is clean of viruses and spyware. Be alert to suspect s and phishing scams. City National will never ask you for personal information or your login credentials by . 6/06 4

5 LOGGING IN Logging into Business Online is easy. Simply open your web browser and go to Select Business Online from the drop-down and click the Log On button. Enter User ID and Password to Log In. 6/06 5

6 HOME PAGE After login, your Home Page will be displayed, which includes an Account Summary as well as Bank and System Notices.. The main menu navigation is on the left of your screen.. Secure Messaging enables messages to be exchanged between you and the bank more securely than The Bank Messages section will contain general messages from City National about your service. 4. System Notices are automatic notices that will contain alerts and links to view system created reports. 5. The Deposit Accounts table will list your deposit accounts and corresponding balances. To access your activity detail, simply click on the Account Number link v 6/06 6

7 ACCOUNT ACTIVITY From the Home Page, you can click on the account number to access your Account Activity Detail, which contains a list of transactions with detail.. The Criteria box allows you to search account activity by a date range or all available dates. 3. The Results list shows the transaction date, description, serial number, amount and an image icon for paid checks.. The Account Details box shows the account balances. 3 6/06 7

8 REPORTS The Reports module allows you to access and download account information for Deposit and Loan accounts.. Select the type of report you wish to create by clicking on the Report Name.. Select the search Criteria, which can be saved as a Favorite Report for later use. 3. View and print the report from the display or download in a.csv or tab delimited format by clicking Export. 6/06 8

9 ALERTS The Alerts feature allows you to set up and receive alerts for minimum and maximum balance thresholds as well as when a check or transaction has cleared.. From the Administration navigation bar, select Add an Alert.. Select the Alert Type: Balance Threshold, Check Cleared, or Transaction Cleared. 3. Select the Account Number, enter the Alert Name, Threshold information, and Address. 4. Click Save Alert Info or Save & Add Another to complete setup. 6/06 9

10 ONLINE STATEMENTS The Online Statements module allows you to view an exact replica of your printed deposit account statements in a PDF format.. Select the Account Number and then click View Statement Dates to see a list of all available statements.. Click on the View link to open the PDF Acrobat Reader. Print or save the statement to your computer. 6/06 0

11 CHECK IMAGES Check Images allows you to view and print images of your paid checks.. From the Image Inquiry and Stop Payments navigation bar, select the Account Number, Inquiry Type (Paid Checks), and your search criteria. 3. Click View Results. To view an individual paid check, click the Check Image icon The Image Viewer allows you to view the front and back and inverted view of paid checks. You may also print a copy of the check for your records. 4 6/06

12 DEPOSIT TICKET AND ITEM IMAGES Deposit Ticket and Item Images allows you to view and print images of your deposit tickets and deposited items.. From the Image Inquiry and Stop Payments navigation bar, select the Account Number, Inquiry Type (Deposit Tickets), and your search criteria.. Click View Results To view a deposit ticket, click the Image Available icon. To view a list of deposited items, click on the Sequence Number. 5. To view a specific deposited item, click Image Available on the deposited items list. 6/06

13 QUICKBOOKS & QUICKEN DOWNLOAD Business Online allows for the download of transaction details into QuickBooks and Quicken Financial Software applications. From the Business Online Home Page, Click an Account Number hyperlink.. Select a Date Range in the View All Activity screen and then click Download Results. Note: a maximum of 60 days may be included in the range. QuickBooks and Quicken are registered trademarks of Intuit, Inc. 6/06 3

14 QUICKBOOKS & QUICKEN DOWNLOAD. Confirm the Date Range 3. Click Create Download File.. Select the radial button for the desired format. 4. A Successful Request message will be presented at the top of the refreshed screen instructing you to return to the Home Page. Please ensure that the request is successful a partial file will result if there are greater than,500 transactions /06 4

15 QUICKBOOKS & QUICKEN DOWNLOAD. Click on the Account Activity Export hyperlink in the System Notices area of the Home Page.. A new Dialogue Window will open; click Open. 6/06 5

16 QUICKBOOKS & QUICKEN DOWNLOAD. QuickBooks (or Quicken, as applicable) will launch in a new Window.. In QuickBooks, select OK to Download the transactions. In Quicken, the transactions begin to Download automatically. The first time you Download transactions (applicable in QuickBooks & Quicken), you will need to confirm the Financial Institution. This is the name for Business Online. 6/06 6

17 STOP PAYMENTS The Stop Payments feature allows you to stop payment on a single check or a range of checks.. From the Image Inquiry and Stop Payments navigation bar, select the Account Number, Serial Number, Amount, Issue Date and Reason for the stop payment.. Click Submit. 3. To check the status of the Stop Payment, click on Monitor in the top navigation and enter your search criteria for the stop payment. 6/06 7

18 SINGLE OR RECURRING TRANSFERS The Account Transfer feature allows you to transfer funds between your City National Bank accounts. You can set up single or recurring transfers.. From the Transfers navigation bar, select your From Account and To Account.. Enter the Amount and Frequency and click Continue. 3. To confirm the transfer, click Make Transfer or correcting any information. 4. To view the status of a Submitted Transfer, click on Transfer History in the top navigation and search for the transfer. 6/06 8

19 MULTIPLE TRANSFERS The Multiple Transfers feature allows you to make multiple account transfers at once. Note: Account Transfer relationships must first be established during a Single Transfer transaction before you will see their selection on the Multiple Transfers page.. From the Transfers navigation bar, select the Multiple Transfers tab. 4. Click Continue to review and confirm the transfers before completing.. Select the desired transfer by checking the box to the left. Or, create a new transfer by selecting the From and To accounts. 3. Enter the Amount of each transfer. 6/06 9

20 BILL PAY PAYEE MANAGEMENT Bill Pay allows you to pay any company, vendor or person in the U.S. To set up a Payee, all you need is the name of the payee or biller, the payee s contact information, and your account number (if applicable) with the biller.. From the Bill Pay navigation bar, select the Bill Pay tab., Click on Payee Management in the top navigation and then click Add New Payee.. Click View Our Payee List to find and easily add widely used Payees. 3. Or, directly enter the Payee s information. Required fields are in bold. Include your billing account number, if applicable. 4. Click Add Payee to complete the process. 6/06 0

21 BILL PAY PAYMENTS Once your payee has been added, making a payment is easy.. From the Bill Pay navigation bar, select the Bill Pay tab., Click on Bills & Payments and then select Make a Payment to Any Payee.. Select the Use Funds From Account to indicate the account to use for making the payment. 4. For any Payees that you are not paying, leave the Amount field blank. 5. Click the Make Payments button to review and confirm your payment(s) before sending. 3. For each Payee that you are making a payment to, enter the Amount of the payment, and the Deliver By date. The Deliver By date must not be later than the payment due date provided to you by your payee. If the actual due date falls on a non-business day, select a Deliver By date that is at least one () business day before the actual due date. 6/06

22 BILL PAY AUTOMATIC RECURRING PAYMENTS You may also want to set up a payment to automatically recur every month. You will have to monitor your bills and payments, but may not need to act on them each month.. From the navigation bar, select the Bill Pay tab, Click on Payee Management in the top navigation and then click My Payees.. Select Set up automatic. 3. Choose the appropriate Funding Account. 4. Select your Payment Option, default payment Amount, and the Send Payment preference. Then click Save Changes /06

23 BILL PAY E-BILLS E-bills can be set up for most payees or billers that offer you online statements or invoices. If an e-bill is available for a biller, it will indicate that on your Payee List.. From the Bill Pay navigation bar, select the Bill Pay tab., Click on Payee Management in the top navigation and then click My Payees. Then select Set up e-bill.. In most cases, you will need to first set up a login at the Payee s website so that you may receive an e-bill in your Bill Pay services. Enter the User (Log in) ID and Password information. 3. If the Payee s site requires challenge questions, you must also enter the site s Challenge Questions and Answers to have your bill delivered to your Bill Pay service. Then, choose the Billing Cycle frequency and choose Continue to set up the e-bill. 3 6/06 3

24 USER MANAGEMENT The User Management feature allows the designated Administrator to add additional users to Business Online. Users can be entitled to select accounts, select functionality and for varying approval rights.. From the Administration navigation bar, select Manage Users.. Select Add User to begin the process of adding a user. 3. Enter the User ID, First Name, Last Name, temporary Password, and Activation Date. Then click Save Basic Info. 4. Continue entering the user s permissions under each fold, which represents a module or a list of activities for an account. 5. Once the user s entry is complete, provide the User ID and Termporary Password to the new user for first login /06 4

25 PASSWORD CHANGES The Business Online service will prompt you to change your password every 45 days. If you would like to change your password manually prior to the required 45 day change, any user may do so under Administration.. From the Administration navigation bar, select Change Password.. Enter your Current Password and your New Password, and select Save New Password. 6/06 5

26 CUSTOMER SUPPORT CONTACT INFORMATION This User Guide is a high level overview of the services Business Online offers. If you have any questions regarding Business Online, our experienced Client Services team is dedicated to supporting businesses like yours. And, they are just a phone call away. City National Client Services Phone: (800) , option Hours: Monday Friday 5:30 a.m. to 7:00 p.m. Pacific Time 6/06 6

27 Appendix A: Reporting Options, Deadlines and Cutoff Times Business Online Balance and Activity History Real-time dashboard with Account Activity Reporting Previous Day Reporting Current Day (Wires, Cont Disb) Statements Online statements paper replicate Activity and Image Inquiries All activity Paid check inquiries QuickBooks and Quicken WebConnect Deposit ticket and item inquiry Stop Payments Stop payment duration options Stop payment Instructions Cutoff time for overnight check processing Stop payment history Stop payment paid check validation Stop payment range limit Internal Account Transfers One-time once, right now transfers Scheduled/future dated Recurring transfers Transfer history Cut-off time to change or cancel scheduled Transfer Alerts (Failed, Submitted, Awaiting Approval, and Requires Verification) Business Bill Pay Electronic payments Received By Check payments Received By Bill payment and e-bills history Cutoff time for add, change, delete payment 80 days or 3,000 transactions 80 days (cumulative) 80 days (cumulative) 8 months 80 days 80 days 80 days or,500 transactions 365 days Standard 6 month only Real-time 0 pm 80 days 80 days 0 checks Real-time Up to year in advance Ongoing indefinite, no limit 45 days 0 pm Real Time -3 days -4 days years pm 6/06 7