Remote Deposit Capture Merchant Guide

Transcription

1 Remote Deposit Capture Merchant Guide

2 Welcome The purpose of the Remote Deposit Capture Merchant Guide is to describe how a business should manage the Remote Deposit Capture (RDC) system so that it can scan and deposit checks into Demand Deposit Accounts provided by United Business Bank. If you should have any questions about the instructions in this guide, please contact us for RDC Support: Phone: Technical Support: Phone: support@rdcselect.com

3 Contents GETTING STARTED... 5 System Requirements... 5 Scanner Driver Installation... 5 Logging In... 6 The Home Page... 7 CREATING DEPOSITS... 8 Types of Scanning... 8 New Deposits... 8 Scanning a Deposit The IDA Scanner Window PENDING DEPOSITS Pending Deposit Display Reviewing and Editing Deposits Adding to a Deposit Correcting Deposit Errors Deleting a Deposit Printing Deposit Receipts SUBMITTING DEPOSITS Submitting Deposits View Submitted Deposits Cachet Financial Solutions, Inc. version

4 Deposit History Unsubmit a Deposit CHECK SEARCH Check Search MANAGING USER SETTINGS User Management View Creating Users User Activations Managing Users Adding Roles for a User Adding Accounts for a User Viewing Your Profile Changing Your Password RESOURCES User Resources USING A SMARTPHONE TO DEPOSIT CHECKS APPENDIX ROLE AND TASK PERMISSIONS Cachet Financial Solutions, Inc. version

5 Getting Started Getting Started System Requirements Please refer to Supported Hardware and Software document for the most up-to-date listing of recommended specifications for running the RDC program for both Microsoft Windows and Macintosh. Scanner Driver Installation Any scanners currently supported by Panini or Digital Check will work with RDC, but the driver for the scanner must first be installed on your computer. If this is the first time using the program with your scanner, set up your scanner to work with the program. If the driver is already installed, reinstalling it is probably not necessary. Some drivers are automatically installed when the scanner is first plugged in to your computer; others require a driver download and installation process. First, if your scanner manual requires you to do so, be sure your scanner is powered on and connected to your computer. Some scanners must not be connected prior to installation; in that case, you will connect after the scanner driver is installed. It is important to check your scanner's instructions to determine whether or not it should be attached during installation. Follow the steps below to install your scanner driver: Download the appropriate driver 1. Click the Resources menu link on the Home Page. 2. Choose the appropriate driver from the list and click the link to download. Panini a. The Panini link downloads a zipped file. Unzip the file and save it to your computer. b. In the unzipped folder, locate and click the setup.exe file. c. A wizard guides you through the installation process. Your scanner should NOT be plugged into your computer until the installation is complete. Digital Check a. The TellerScanDriver is an executable file. b. Save the file to your computer and run Cachet Financial Solutions, Inc. version

6 Getting Started Logging In Begin by locating the internet address for your site, as well as your user name and password, given to you by your United Business Bank Administrator in an generated when you were activated. Launch the RDC program with your desktop browser (supported browsers are listed under System Requirements above) and type your site address in the browser window s address bar. Type your user name and password and click the Log In button to open the Home page, from where you can initiate and manage transactions Cachet Financial Solutions, Inc. version

7 Getting Started The Home Page The Home page of RDC displays currently submitted and pending batch deposits recorded in the system for the logged-in merchant, as well as links to details of specific transactions. The menu choices along the top reflect the merchant s role and task access permissions; some will see more menu options. Most maintenance of deposits is carried out by accessing this page first. The shaded blocks signify deposits; the number of checks in the batch and the total amount of the deposit is displayed at the top of each shaded block. The column on the left side of the page lists deposits that have been scanned but not submitted for processing; they are in a Pending status. The column on the right side of the page lists deposits that have been scanned and are in a submitted status (but not yet processed). Both lists include all deposits in the Enterprise, even if there are multiple locations, as long as the user has access to all locations. Deposits in the submitted column are moved to Deposit History at the next processing time. If the list is more than one page, navigate to another page using the forward and back numbered links. Note the Search box at the top right of the page, where you may filter the list by location to narrow the displayed list Cachet Financial Solutions, Inc. version

8 Creating Deposits Creating Deposits Types of Scanning While Merchant users most likely use check scanners and a PC to manage deposits, it is also possible to make deposits through a mobile smartphone interface. See Using a Smartphone to Deposit Checks on page 41 Error! Bookmark not defined.for further information about accessing RDC through a smartphone. This section discusses deposits using a scanner and PC. In this section, we explain how to Create a new deposit transaction Scan a batch of checks Before you create a new deposit 1. Turn on your scanner and log in to RDC. 2. Ensure you have been granted the appropriate access permissions to deposit checks. 3. Be familiar with any deposit limits imposed by your United Business Bank, such as maximum number of items permitted per deposit or maximum dollar amounts permitted per deposit, or if there are limits by day or by month. New Deposits Steps to create a new deposit Before scanning checks you must set up general deposit information in the software. 1. On the RDC Home page, click the Create New Deposit button in the upper left corner. If you don t see this button, you probably do not have permission to create a new deposit. See your United Business Bank administrator. The Create New Deposit dialog box opens Cachet Financial Solutions, Inc. version

9 Creating Deposits 2. Complete the fields (described below), and click Continue. Create New Deposit fields Choose a deposit location Deposit Account Deposit Total Number of checks Description (Required) The dropdown list displays all locations (even if there is only one) of the Enterprise for which the logged-in merchant has access permissions. Click to select the location for which the deposit will be made. (Required) When the deposit location is selected, the corresponding list of deposit accounts for that location is displayed. Click to select the appropriate account from the drop-down list. (Required) Type the total dollar amount of all checks to be deposited in the batch. This number is compared to the analysis of the scanned check images to ensure the amounts agree. (Required) Type the total count of items included in the deposit batch. This number is compared to the batch item totals to ensure the amounts agree. (Optional) Type a description of this batch of checks in this deposit. Note: This scenario assumes the FI Administrator has set up the system to require User Balance options, where the user is required to type batch total and item count values when submitting a deposit. The system prevents the submission of deposits with a user-entered batch total or item count that does not match its own. If the Deposit total and Number of Checks fields are unavailable, then the United Business Bank has set up RDC with Auto Balance options, which automatically reads and generates the numbers for the Deposit Total and the Number of Checks Cachet Financial Solutions, Inc. version

10 Creating Deposits Scanning a Deposit When you ve completed the first step to create a new deposit and clicked the Continue button on the Create New Deposit dialog box, the page refreshes to display the information you just entered on a batch detail page, as well as an assigned batch number and additional options. You are now ready to use your check scanner to create a scanned batch of checks, as well as the Internet Deposit Application (IDA), which is a part of the RDC software. Steps to scan a batch of checks 1. Click the Add Items button. a. The first time you click the Add Items button, an alert message appears asking to download the Internet Deposit Application (IDA) to your computer. The app name is SelectWinApp. Click Run to allow the app to download and launch. This step is only required the first time you create a deposit or if there has been an update to the IDA. b. On subsequent deposits the IDA scanner window opens within a few seconds of clicking the Add Items button. 2. Scanners can be single feed or multi-feed. When using a single feed scanner, each check must be fed individually into the scanner. When using a multi-feed scanner, several checks can be loaded at the same time Cachet Financial Solutions, Inc. version

11 Creating Deposits 3. Place the check(s) in the scanner and turn to the open IDA scanner window on your computer. The IDA scanner window is the main window from which you can scan one or more checks for deposit, and provides the functionality to work with them further. It also displays information about deposit scans already made in the current batch. 4. When the checks are loaded, click the Scan button on the IDA window for the checks to automatically feed through the scanner and record their images. a. For single-feed scanners, continue scanning other checks by repeating step 3 with individual checks, one at a time, until all checks have been scanned. 5. When you are finished scanning, your IDA scanner window displays a Stop button; click it to signal the scan is finished. 6. Before clicking the Complete button, inspect your images and make any necessary corrections. a. Inspect the front image of the check(s) and then click the top button to flip the front image and inspect the rear image. Reset the image if necessary. The image control buttons are described in the next section, The IDA Scanner Window. b. Make any necessary corrections to MICR information or amounts and click Update. See the next section, The IDA Scanner Window. 7. When you click the Complete button, a confirmation message appears if the scans were completed without error (if there are errors, alert messages appear, such as for duplicate deposits or out of balance deposits, discussed in Correcting Deposit Errors on page 18). Click the Yes button to record and tally your scan results, close the IDA scan window, and end the session. The batch detail page (for the batch currently being scanned into) is displayed. 8. On the Home page, the deposit is now listed in the Pending Deposits list as a Pending Deposit. Pending Deposits are not completed deposits they must be submitted before they are complete and finalized. Submitted deposits those in the Submitted queue are listed separately. See the Submitting Deposits section on page 23 to learn how to submit deposits Cachet Financial Solutions, Inc. version

12 Creating Deposits The IDA Scanner Window Display of individual check information When both sides of the check are scanned, the scan result appears in the display area of the window, with the first side of a two-sided scan visible. There may also be messages about the scan. You can work with the image before the deposit is complete Cachet Financial Solutions, Inc. version

13 Creating Deposits If you make a mistake and the image does not fill the display area correctly, or you want to change the image orientation, use the buttons along the right edge of the display window to try again. They perform the following actions, from top to bottom: 1. Flip image from front to back or back to front. 2. Rotate the image 90 degrees to the right; continue clicking to rotate again. 3. Invert the colors to turn black to white. 4. Reset the image to the original state. You can also edit the information on the MICR line (ABA number, Account number, Check number, and Amount) for the displayed check and click the Update button to save your changes. (Note: these described edits are on the IDA scanner window, but the same edits may also be made in RDC by clicking the Edit button on the batch deposit listing on the Home page, to open an edit window. See Reviewing and Editing Deposits on page 15.) Display of batch information Note that the deposit information appears at the top and in the summary Deposit Listing list on the scan window. The top of the window displays the date and time the transaction was created, the batch number (generated by the system), the name of the location for which the deposit is being created, the account name and number, and the status of the deposit. A successful check scan has a green checkmark at its left in the list near the bottom. A red X would indicate there was a problem with the check that must be addressed before completion. Remove a check from the batch by clicking the trash can icon at its right end. In the bottom-most section of the window is the information bar, containing the balance and number of checks in the batch. When the system is set to User Balance, the user is required to type the batch total and item count values when setting up a deposit. The system prevents the submission of deposits with a user-entered batch total or item count that does not match its own Cachet Financial Solutions, Inc. version

14 Pending Deposits Pending Deposits Pending Deposit Display Each batch of pending checks forming a single deposit is listed in a shaded block area of the Home page. Pending batches are displayed by scan date with the earliest pending deposit at the top of the list. Shaded area for a single deposit Each batch detail shows the date/time stamp, the unique batch number, the total amount and total items, the description, location, account, and account number associated with the deposit. The view further details, click the batch number link to open its detail page, where further options are available. To Edit the batch, click the Edit button to open the batch for editing. To Delete the batch, click the Delete link; a confirmation message verifies this choice Cachet Financial Solutions, Inc. version

15 Pending Deposits Reviewing and Editing Deposits From the Home page s deposit batch list, click either the long batch number of a deposit or the Edit button of the deposit to open its detail page. Summary information is displayed at the top of the page. Information about each check is in each shaded area in an expanded list, with a front check image visible at the right (click the Flip link to see the back of the check). You can narrow a large list by specifying From and To range amounts in the search boxes. Note: the image of the check depends on the method of capture. If the check was scanned with a scanner, it is displayed in black and white and has been centered and framed. If the check image came from a mobile phone photo capture, it is displayed in color. Note that since the batch is still a pending deposit, it is possible to add new items to the batch by clicking the Add Items button and opening the IDA window for additional check scans for this batch. See page 18 for more information Cachet Financial Solutions, Inc. version

16 Pending Deposits Editing Batch Information To edit batch information, click the blue Edit button on the batch detail page. In edit mode, you can edit the following deposit information: Entered Amount, Entered Number of Checks, and Description. If edits are made, they are saved by clicking the Save button, or abandon the edits by clicking Cancel Cachet Financial Solutions, Inc. version

17 Pending Deposits Editing Check Information It is also possible to edit the information about a specific check by clicking the orange Edit button next to the image of that check on the batch listing page. On the Edit Check dialog box, the ABA number, Account number, Check number, and Amount are editable, and a Note may be added to further identify the check. Click Save to save your changes and return to the list of checks within a batch Cachet Financial Solutions, Inc. version

18 Pending Deposits Adding to a Deposit As long as a deposit is in a Pending status and not yet submitted, you can add more checks to the batch, if you have the appropriate access permissions to Edit Deposits. Those without permissions do not see the Add Items button. Steps to add a check to an existing deposit 1. On the RDC Home page, find and open the pending batch to which you want to add one or more checks. 2. When the detail page opens, edit the fields Entered Amount and Entered Number of Checks to include the new item(s). Failure to do so may create an out-of-balance error. 3. Click the Add Items button. The IDA scanner window opens. 4. Load the scanner with the check(s) to add to the batch and following the same procedure for scanning as with a new deposit. The batch retains its batch number but the number of items and total amount is updated in the batch detail. Correcting Deposit Errors If a deposit encounters problems, the batch record on the Home page displays with a red border and an error message at its bottom. Open the batch to see the batch detail page. The batch detail lists the errors found in the deposit. Some errors are caused by operator error (such as an out-of-balance deposit, or exceeding limits imposed by the United Business Bank for maximum numbers of items or maximum dollar amounts for the deposit, for the day, or for the month), while others are caused when the IDA software either misreads or flags the information on the check. For a list of error types, see the table at the end of this section. All errors must be corrected before the batch can be submitted for processing. (Contact your United Business Bank for more information about deposit limits.) Steps to correct deposit errors 1. If the problem (such as an out-of-balance deposit) can be corrected by editing batch information (Entered Amount or Entered Number of Checks), click the Edit button on the detail page to open the Edit page. See Reviewing and Editing Deposits on page 15 for more information Cachet Financial Solutions, Inc. version

19 Pending Deposits 2. If the problem cannot be corrected by editing the detail, you may have to remove the item from the batch. To do so, click the red Remove button beside the image of the check. The Remove Check dialog box opens. Note that the action of removing a check cannot be undone. Error Types 3. Click the Yes, I m Sure button. 4. The check no longer displays in the batch group. 5. To add the item back to the deposit, it must be scanned again. Use the Add Items button on the batch detail page, and rescan the check. Error Name Total $ amount of check(s) does not match the entered $ amount Number of check(s) does not match the entered number Deposit does not contain any checks Description Out of balance message that the total dollar amount of the checks in the deposit read by the IDA software does not match the amount typed by the person depositing the check(s). The total number of items (checks) scanned by the scanner does not match the number of items typed by the person depositing the check(s). The deposit may have been set up, but the scanner did not record any checks scanned. Invalid deposit amount Deposit contains invalid check(s). Amount cannot be $0.00. Duplicate check The scanner software detected a check with duplicate MICR information (ABA number, Account number, Check number, and Amount) Cachet Financial Solutions, Inc. version

20 Pending Deposits Deleting a Deposit As long as a deposit is in a Pending status and not yet submitted, you can delete the entire deposit, if you have the appropriate permissions. Deleting a deposit is deleting the entire batch of checks, which is different from removing a single check from a batch. If you delete a deposit, that action cannot be undone. All checks would have to be rescanned to be included in a subsequent deposit. Steps to delete a deposit 1. On the RDC Home page, find the pending batch you want to delete. 2. Click the Delete link to open a Delete Deposit dialog box. 3. Click the Yes, I m Sure button. 4. The deposit no longer displays on the Home page Cachet Financial Solutions, Inc. version

21 Pending Deposits Printing Deposit Receipts You may create and print a PDF receipt report for a batch. Steps to print a deposit receipt 1. On the detail page of a batch of checks, click the Download Icon ( ) at the upper right of the list of checks to open a dialog box inviting you to open or save a printable PDF report file capturing the list on this page. 2. Click to choose your report format: a file with images or without images. 3. A dialog box opens asking you to choose to open with Adobe Acrobat or to Save the file. If saving the file, follow the instructions to navigate to the area on your hard drive where you want to save the PDF file Cachet Financial Solutions, Inc. version

22 Pending Deposits 4. The image below shows a PDF Deposit Receipt with Images displayed in Adobe Reader Cachet Financial Solutions, Inc. version

23 Submitting Deposits Submitting Deposits On the Home page, locate the pending deposit in the left column you are ready to submit to the United Business Bank for processing. Submitting Deposits Steps to submit a batch of checks 1. Click the blue Submit button in the shaded batch. 2. When the confirm message opens, click Yes. 3. When the page refreshes, the deposit no longer displays in the Pending column, but it now appears in the Submitted column. Submitted deposits will be moved to Deposit History at the next processing time Cachet Financial Solutions, Inc. version

24 Submitting Deposits View Submitted Deposits Steps to view submitted deposits 1. To view more detail about a submitted deposit, find the submitted deposit in the right column of the Home page and click its batch number link to open its detail page. 2. From this page, you may unsubmit the deposit (see page 26), or print a deposit receipt (see page 21). You may also search for a specific check by amount if the batch contains a large number of checks. 3. In the image shown below, the check image was created by taking a picture on a mobile device, rather than a scanner. Note that you can also click the Flip link under the check image to see the image of the back of the check Cachet Financial Solutions, Inc. version

25 Submitting Deposits Deposit History Click the Deposit History menu item to open the Deposit History page. This page lists all submitted or processed deposits, with the most recent listed at the top of the list. Submitted checks are listed by default; change the list to Processed checks by clicking the drop-down status filter list in the upper right. Processed checks stay in the system for 180 days. The summary information includes the Deposit ID, Submitted Date, Number of Checks, Location, Source (desktop or mobile), Account, and Amount. If the list is more than one page, navigate to another page using the forward and back numbered links. Use the boxes near the top of the page to type search criteria to search a long list for submitted batches, using one or more filters for Enterprise name, date range, amount, or status. Click the Download Icon ( ) at the upper right above the list of checks to open a dialog box inviting you to open or save a printable PDF report file capturing the list on this page Cachet Financial Solutions, Inc. version

26 Submitting Deposits Unsubmit a Deposit As long as a submitted deposit has not yet been processed by your United Business Bank, you can unsubmit it, if you have the appropriate permissions. Steps to unsubmit a batch of checks 1. On the Home page, locate the submitted deposit in the right column you want to unsubmit from the processing stream at your United Business Bank. 2. Click the orange Unsubmit button in the shaded batch. 3. When the Unsubmit Deposit dialog box opens, it asks whether you are sure you want to unsubmit this deposit. Ensure the deposit information identifies the correct deposit. 4. Click the orange Yes, I m sure button. 5. The deposit is returned to a Pending state Cachet Financial Solutions, Inc. version

27 Research and Search Check Search Check Search Steps to search for checks 1. Click the Check Search menu item to open the Check Search page. 2. Type or enter your search criteria in all or some of the boxes to filter your search to a targeted results list. Some of the fields are for dates and some for numeric or dollar amounts, or other criteria. After you ve entered the necessary information, click the blue Search button. The search results appear in a table at the bottom of the page. Click the blue Deposit batch number link to see more information about a deposit Cachet Financial Solutions, Inc. version

28 Managing Users Managing User Settings Location, Account, and Role settings used by an Enterprise are managed by the United Business Bank Administrator. Merchants who have been given User Management permissions do have control over managing other users in their enterprise; that is, they may add, activate, and deactivate users and assign or edit associated locations, accounts, and roles. User Management View Managing users is controlled on the User Management View page. From this page a merchant user with User Management permissions may: Initiate a Reset Password message to a user. View the locations to which a particular user is associated. View user profile information about a particular user. Note that the user s name link (last name, first name as added to the system in the Create New User dialog box) is listed above the username used to log in to the system. o View the user s associated account permissions from the user profile. Create a new user Cachet Financial Solutions, Inc. version

29 Managing Users Creating Users Those Merchants who have been given access permissions to manage users will see a Manage menu item which provides access to the RDC User Management View. Steps to add users 1. From the Manage menu, click Users to open the User Management View. 2. Click the blue Create New User button in the upper right corner to open the Create New User dialog box Cachet Financial Solutions, Inc. version

30 Managing Users Expanded view of the Create New User Dialog box. Note the headings on the right side for Locations, Location Role, and Accounts. 3. Complete the fields. Basic user identification information is collected on the left side of the dialog box. 4. A user may be associated with locations, roles, and accounts. To create associations, click the corresponding heading on the right side to expand that section. Locations: Enterprise and Location lists are displayed for searching and selecting. Click a location to select it. Click the +Add link to make the selected location an Assigned Location. Repeat for additional assigned locations. Click the X across from the assigned location name to remove the location from the Assigned Location list. Roles: Available Roles by location are listed, such as Merchant Operator or Consumer Mobile User. Click a checkbox to select the corresponding role, and then click either Individual (to assign this role only at the assigned location) or withsubtree (to assign this role at this location and all sub-locations) from the drop-down list Cachet Financial Solutions, Inc. version

31 Managing Users Accounts: Available task permissions by account are listed, such as CanScan, CanSubmit, and CanView. Click a checkbox to select the corresponding permissions for a selected account. Click the +Add link to make the selected location a Chosen Account. Repeat for additional chosen accounts. Click the X across from the chosen account name to remove the account from the Chosen list. 5. Click one of these buttons to finish: Add User Fields Is Active First Name Last Name Save & Repeat to add another user with the same properties. The system saves the user you just added and refreshes the dialog box, with all properties except the name already filled out so you can add another user with the same location, account, and role details. Note: On the enterprise details page, click View All under Current number of active users to verify the user you just added and that the count is incremented by one. Save & Clear to add another user with different properties. The system saves the user you just added, clears the fields, and keeps the dialog box open to add another user with different location, account, and role details for the same enterprise. The Current number of active users count is incremented by one. Save & Close if you do not need to add any more users. The system saves the user you just added, the dialog box closes, and the enterprise detail page reappears. The Current number of active users count is incremented by one. (Optional) Check this box to activate the user in the system. A user must be active before they can log in and use the system. (Required) Type the user s first name. (Required) Type the user s last name. Username (Required) Create and type a username for the user. A username must be between 6 and 50 characters. It may contain upper or lower case letters (case sensitive), numbers, period, underscore Depending on how you implement RDC, the user may or may not need to type this username to log in. Address Phone Number Note/Tag Locations (Required) Type the user s address. Without a correct address, a user cannot be activated since the password setup is sent to a user s address, nor can the user s password be reset in the future should the need arise. (Optional) Type the user s phone number. (Optional) Type any additional information you wish about the user. You may use letters, numbers, spaces, and special characters. (Required) See step 4 above Cachet Financial Solutions, Inc. version

32 Managing Users Roles Accounts (Required) See step 4 above. (Required) See step 4 above. User Activations By default, users are created as active (although they can t log into the system until they ve set their password), but they can be created as Inactive and activated later. Additionally, it is possible to deactivate a user. This is not the same as deleting them from the database, which is not available; they simply are removed from the list of active users. To deactivate a user, find the user either through the enterprise or through User Management: 1. On the Home page, click the name of the enterprise to which a user is assigned. Enterprises are listed in the enterprises list. Alternatively, type the full name of the enterprise in the search field above the enterprises list. A page appears detailing current information for the enterprise. 2. Under Current number of active users, click View All. 3. Click the name of the user to open their profile record. 4. Click the red Deactivate button. A confirmation message appears; click Yes. The red Deactivate button changes to a green Activate button so the user can be reactivated at a later time. Note that this user s listing in the User Management View now shows their active state as false Cachet Financial Solutions, Inc. version

33 Managing Users Managing Users Steps to manage users 1. From the Manage menu, click Users to open the User Management View. 2. Search a long list using the Search boxes for User Name, Status, and whether Active or Inactive. Reset Password for a User 1. In the row for the name of the user, click the Reset Password link to open a Reset Password dialog box, displaying the name of the user, their username, and their address. When you click the Send button, an is sent through the system to the address on record requesting the user to reset their password. They will be prompted to reset their password the next time they log on to the system. 2. Passwords are case sensitive and must meet the following specifications: At least one capital letter and one number, for a total of 9 or more characters Cachet Financial Solutions, Inc. version

34 Managing Users View Locations for a User 1. In the row for the name of the user, hover your mouse over the link to the locations for this user. A small popup box appears listing the locations to which this user is associated. (Merchant Operators can add locations or account permissions. See subsequent sections on the following pages for more information.) View or Edit User Settings for a User 1. Click the name of the user on the User Management page to open that user s profile page. 2. Setting information may be viewed or edited. Edit Settings link Password Reset link (upper right corner) Opens the Edit User dialog box, to edit First Name, Last Name, Address, Phone Number, and Note/Tag fields. As described on page 33, opens a dialog box to initiate a reset of the user s password Cachet Financial Solutions, Inc. version

35 Managing Users Locations: Edit Roles link (List of Locations associated with this user) Opens the Assign Roles dialog box. (Tasks assigned to a role are set by the FI Administrator). Accounts: Edit Permissions link Individual refers to access permissions at that location only. withsubtree refers to access permissions at that location and any sub-locations associated with it. (List of Accounts associated with this user) Opens the Assign Permissions dialog box, where permissions for this user for this account are set. Blue X for roles and permissions Opens a confirmation dialog box to remove the role or account from being associated with this user. The role or account is not deleted but the association is deliberately removed Cachet Financial Solutions, Inc. version

36 Managing Users Adding Roles for a User Roles are tied to a user by associated location. Merchants with appropriate access permissions can associate additional roles by location to a user profile from the User Management page. Steps to add a role for a user 1. Click the Add Location button to open the Select Location dialog box. User roles are assigned according to location within the Enterprise. 2. Search for and/or select the location to which to add roles for the selected user. 3. Click to select one or more roles to which the user should be assigned. For each selected role, choose whether the permissions are for the individual at the specified location or also for other sub-locations within the enterprise. Best Practice: Although it is permitted to assign multiple roles to a user, the recommended approach is that the list of roles contain enough task variations that a user be assigned a single role. Tracking or editing a user s role is thus simplified Cachet Financial Solutions, Inc. version

37 Managing Users Adding Accounts for a User Merchants with appropriate access permissions can associate additional accounts to a user profile from the User Management page. Steps to add an account for a user 1. Click the Add Account button to open the Select Account dialog box. 2. Search for and/or select the account to which to add permissions for the selected user. 3. Click to select one or more permissions to which the user should be assigned for the selected account Cachet Financial Solutions, Inc. version

38 Managing Users Viewing Your Profile Anyone who has login credentials to RDC sees their own login name at the top right of the page. Click your name to open a menu to your User Profile, showing your name and address. A summary of your user account creation date, your assigned locations, and assigned accounts are also displayed. Changing Your Password Users may change or reset their own password after they log in to the system. Alternatively, for those enterprises whose United Business Banks permit it, a Merchant Administrator can initiate a Reset Password message to a user, who follows a link to the Change Your Password dialog box, as described on page 33. (When not permitted, the user must contact Support for a password reset.) Note that passwords expire after 90 days, and users receive onscreen notification to reset an expired password. Steps to change your password 1. Log in to RDC and click your name in the upper right corner to open a menu to your User Profile. 2. Click the User Profile link to open the Your Profile Settings page. 3. Click the Change Password link to open the Change Your Password dialog box Cachet Financial Solutions, Inc. version

39 Managing Users 4. Type your old password in the Old password box. 5. Type your new password in the New password box. Passwords are case sensitive and must meet the following specifications: At least one capital letter and one number, for a total of 9 or more characters. 6. Type your new password again for verification in the Verify new password box, and click Save Cachet Financial Solutions, Inc. version

40 Resources Resources User Resources The last menu item on the RDC Home page is Resources. Click Resources to open a window configured specifically for your United Business Bank, listing scanner driver download links and browser extensions, as well as PDF user guides or other resources the United Business Bank might request Cachet Financial Solutions, Inc. version

41 Using a Smartphone to Deposit Checks Using a Smartphone to Deposit Checks Mobile Deposit of checks to a Merchant account follows the same general steps as desktop scanning. Mobile screens in RDC, however, are obviously smaller and arranged slightly differently. This section displays the typical mobile screens seen when you deposit checks using the camera in your mobile device instead of a scanner. Deposits made by mobile device are seen in the RDC desktop software just as checks deposited by desktop scanner are. Note the icons in the top left and top right corners to help you navigate the app, as well as the gold action buttons. is the System Menu icon. is the Create New Deposit Icon. Click the messages. icon to display system Sequence of mobile screens Follow the next pages left to right, top to bottom to deposit checks and track their progress. Pending Batch Screen (Opening screen) Lists Pending batches. Note the Pending tab is active while the Submitted and History tabs are also available, displaying batch information for the selected location. Location is the selected location from User Locations. Blue text (link) shows the location and associated account for this pending batch. Tap the blue batch number link to open the Batch screen. Submitted Batch Screen Lists Submitted batches. Unsubmit button: If the batch has not been processed, you can Unsubmit it if you have the appropriate access permissions. Submit button: Submit the pending batch Cachet Financial Solutions, Inc. version

42 Using a Smartphone to Deposit Checks Search & Results History Tab, which is searchable. Narrow the list of displayed batches by using search filters: Date boxes for a date range. Amount boxes for a minimum and maximum dollar amount. Status list. Search results list. Each batch result contains the batch number as a link to a display screen of batch details. Create New Deposit Create New Deposit screen: to open this screen, click the Create New Deposit icon. Location is User Location. Account is User Account at that Location. Number of checks: User types number of checks in the batch. Total Amount: User types dollar amount of batch. Cancel button: Cancels batch and returns to Home screen. Continue button: Opens new empty Deposit Summary screen Cachet Financial Solutions, Inc. version

43 Using a Smartphone to Deposit Checks Deposit Summary Tap the blue Add Check link to open the check scanning function. Add Item to Deposit Amount: User types amount of check. Note: User types optional note. Cancel button: Cancels Add Check and returns to Batch screen. Continue button: Opens Add Check screen. Blue <Back link: tap to return to the previous screen Cachet Financial Solutions, Inc. version

44 Using a Smartphone to Deposit Checks Add Check Images Front Image: Tap gray area to open camera to capture front of check. Back Image: Tap gray area to open camera to capture back of check. As the images are captured, they display in the corresponding gray areas. Uploaded Images Confirmed View Front and Back check image captures. Cancel button: Cancels Add Check and return to Batch screen. Add Check button: If images look good, tap to add check to batch and return to Batch screen Cachet Financial Solutions, Inc. version

45 Remote Deposit Capture Merchant User Guide Add Success View check transaction just added to the deposit. View all checks in the deposit by tapping the All Deposits link to open the opening screen with the Pending tab in view. Using a Smartphone to Deposit Checks Deposit Complete This check deposit is complete. To deposit another check for this batch, tap the blue Add Check link to open the check scanning function and repeat the process. When the batch is ready to submit for processing and any errors have been corrected, tap the gold Submit button. Submitted deposits display on the Submitted tab of the opening screen Cachet Financial Solutions, Inc. version

46 Appendix Appendix Role and Task Permissions The following table shows the typical role and task permissions for Merchants using RDC. The permissions are set by (and can only be changed by) the FI Administrator or by a Merchant Operator with Administrative permissions. Merchant Permissions Deposits Accounts Locations Users Create deposit Create deposit on mobile device Delete deposit Edit deposit Revert deposit Submit deposit View deposit View deposit summary for any account Assign accounts to user View deposits for account Assign roles to user View location Create users Modify user Reset password View user Cachet Financial Solutions, Inc. version