Contents. 4 Welcome to ATBOnline Business. 5 How to Use This Guide

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2 Contents 4 Welcome to ATBOnline Business 5 How to Use This Guide 6 Roles and Entitlements in ATBOnline Business 6 Administrator Role 6 User Roles 6 Transaction Limits 7 User Procedures 7 Accessing ATBOnline Business 7 Sign In 12 Approve or Reject Transactions 12 View Approval History 13 Change Your Password 14 Change the Answers to Your Challenge Questions 15 View the ATB Financial Privacy Statement 16 Managing Your Accounts 16 View Account Details 17 Download Account Transactions 18 View an E-Statement 19 Order a Copy of a Cheque 19 Order a Copy of a Bank Statement 20 Managing Your Enhanced Security 20 Adding a New Phone 23 Editing an Existing Phone 23 Deleting a Phone 24 Transferring Funds 24 Set up a Single, Future Dated or Recurring Transfer 26 Set up Multiple Transfers 27 To View, Cancel and Edit Pending Transfers 28 View Transfer History 30 Stop Payments 30 Stop a Cheque 31 Stop a Pre-Authorized Payment Request 32 Stop Payment on a Range of Cheques 33 View and Delete Stop Payments 35 Paying Bills 35 Add a New Payee 36 Edit a Payee 38 Delete a Payee 39 Create a One-Time Bill Payment 40 Create a Recurring Bill Payment 41 Edit or Cancel Pending Bill Payments 43 View Bill Payment History 2

3 44 Managing Your Alerts 44 Manage Contact Points 45 Edit Your Contact Points for Alerts 45 Delete a Contact Point for Alerts 46 Add an Alert 47 Delete an Alert 47 Accessing MasterCard Services 47 Apply for an ATB MasterCard 48 Order MasterCard Cheques 48 Pay a Creditor from a MasterCard Account 49 Manage a MasterCard Credit Balance Refund 49 Apply to Change the Limit on an Employee MasterCard 50 Add or Remove an Employee MasterCard holder 50 Contacting ATBOnline Business Customer Support 50 To Send a Message to Customer Support 51 View Your Messages to and from Customer Support 52 Administration 52 Managing Account Nicknames 52 Manage Account Preferences 52 Auditing via ATBOnline Business 53 Managing Alerts 54 Manage Contact Points 55 Edit Contact Point 56 Delete Contact Point 57 Add Alerts 58 Delete an Alert 59 Viewing Service Statements 62 Security 62 How ATBOnline Business Protects You 62 Secure Web Pages and Data Encryption 62 Intelligent Authentication 62 Enhanced Security 65 Limits on User Roles 66 How You Can Protect Yourself 66 Choosing and Protecting Your Password 66 Keeping Your Computer Secure 66 Contact Us 67 Appendix A ATV Financial BAI2 Code Descriptions 3

4 Welcome to ATBOnline Business ATBOnline Business provides secure, convenient access to your business accounts and services 24 hours a day, seven days a week. It will allow you to check balances, transfer funds, pay bills, view transactions, order statements, and more. Once you have a business account with ATB Financial, getting started with ATBOnline Business is quick and easy. This guide tells you everything you will need. Thank you for choosing ATB Financial. Let s get started! 4

5 How to Use This Guide This user guide is intended as a reference for all users of the ATBOnline Business platform. This guide takes you through step by step instructions on how to use the different facets of your ATBOnline Business platform. There are two main types of clients of the ATBOnline Business platform: Administrator This is the individual who controls all of the administrative duties of the ATBOnline Business platform on behalf of your company. Users These individuals are able to access the ATBOnline Business platform to the extent that the Administrator will allow. The ATBOnline Business platform is a very intuitive piece of software. It was built with the user in mind. For each section screen shots are laid out. This guide is meant to be used in conjunction with the view from your computer as you are accessing the programming. This will give the user of the ATBOnline Business platform a complete view of what can be achieved through this software. 5

6 Roles and Entitlements in ATBOnline Business ATBOnline Business uses a system of roles to give users within your business different entitlements to access and perform transactions on your accounts. Each user is assigned a role that governs his or her access to the system. Multiple users can be assigned to the same role. Administrator Role The Administrator plays the central role in your company s ATBOnline Business banking activities. You must choose at least one person to act as administrator for your company s accounts online. This administrator is authorized, by the company, to have full administrative access to the accounts for online banking. The Administrator may want to create a backup administrator role in cases of vacations, illness or other unforeseen emergencies. The Administrator can: Perform transactions on accounts Control account viewing and transaction access Create roles with entitlements for other users Assign roles to specific users Audit users and transactions Reset passwords and security answers for users User Roles The Administrator creates roles for users of the system and assigns each user a role. Once a user has signed in and responded to the security questions, that user s specific role entitlements govern which accounts they can view, initiate payments, stop payments, and make transfers for. All users have access based on account-level entitlements for: Account transfers You must have account-level entitlements for all to and from accounts to transfer funds. Bill payments You must have account-level entitlements to an account in order to pay bills from it. Stop Payments You must have account-level entitlements to initiate a stop payment on an account. For more information on roles and entitlements, refer to the ATBOnline Business Administrator User Guide. Transaction Limits All transactions are governed by the available amount in the account. In the case of a foreign exchange transfer the limit is governed by your company s foreign exchange limit. With certain services, there is an opportunity to further limit the size of a single transaction by placing an administrator-imposed limit. ATBOnline has two basic tiers of limits. It may be useful to think of bank-side limits and client-side limits. The first tier, or bank-side, is set in ATB Financials internal system. These limits can only be accessed by authorized ATB Financial personnel and are set in consultation with your Administrator. The second tier, or client-side, are set within ATBOnline Business solely by your company s Administrator (please see the Role Add/Edit section). The Administrator can place dollar limits on types of transactions for specific roles for specific services. 6

7 User Procedures As a user of ATBOnline Business, you can access account information and perform transactions according to the role that your administrator has created and attached to your profile. Accessing ATBOnline Business Sign In Once you have been set up for ATBOnline Business with your user ID and Password (users receive their User ID and temporary password from the Administrator), you are ready to sign in to ATBOnline Business. 1. Go to https://www.atbonlinebusiness.com 2. Type your user ID and Password, and then click Sign In. 3. Follow the on-screen instructions to change your temporary password. 7

8 4. Follow the on-screen instructions to setup your Challenge Questions and Answers. 5. Select the setup questions by using the drop down arrows within each box that states Select a Question. 6. Type in the corresponding answers to the questions in box adjacent to the question you have selected. 7. Click Submit 8. Follow the on-screen instructions to complete your Enhanced Security enrolment and activation. 8

9 9. Click Next to start enrolment. This will take you to the Phone Set Up page to add your phone information for activating Enhanced Security. If you are not ready to enroll, click Defer Enrolment. The Account Summary page will be displayed. Note: ATB recommends completing your enrolment as soon as possible. Until you enroll, you will only be able to view your accounts and will have limited online functionality for certain payments and administrative functions. The enrolment process will be presented each time you log into ATB Online Business. 10. Enter your Phone Number, a Phone Name e.g. mobile or home, and the preferred Delivery Method for your Enhanced Security notifications. The delivery method can be changed with each Enhanced Security notice you receive. 11. Click Submit to register your phone information. A one-time passcode will be sent as verification that the phone is in your possession and the number was entered correctly. This verification process is required for each new phone number added for Enhanced Security. A passcode input page will appear in ATB Online Business. Note: When a new phone is set up for Enhanced Security, a SMS text message is sent as notification that ATB alerts have been activated regardless of the delivery method chosen. This enables the phone to be used for either delivery method after it has been successfully added. 9

10 12. Enter the passcode received in your message from ATB and click Submit to complete the phone verification process. If your passcode is validated as correct, a Success page will appear. Your Enhanced Security enrolment is now complete. 13. Click Next to display the Account Information page. When you have signed in, the Account Information page displays messages and items awaiting your review and approval. You will also see the tabs for all the functionality granted to your role. 10

11 14. Enhanced Security passcodes are time sensitive and are one-time use only. If your passcode has been entered incorrectly, a Verification Failed message will appear. If your passcode has expired, a Passcode Expired message will appear. 15. Click Send New Passcode to generate a new passcode. Click Cancel to cancel out of the enrolment process. 11

12 Approve or Reject Transactions When you sign in to ATBOnline Business, the Today s Items for Review list will display the number of items awaiting your approval. To approve or reject transactions: 1. On the Home tab menu, click Approvals. 2. In the Select column, select the check box for the transaction you want to approve or reject. You can select the related ID number to see further details of the pending item. 3. Click Reject Selected to reject the transaction or click Approve Selected to approve the transaction. 4. A verify screen will appear after you have actioned the request, click Next. 5. A confirmation screen will appear confirming the action you have requested. View Approval History 1. On the Home tab menu, click Approval History. 2. Enter the criteria for the approvals you wish to see. 3. Click Submit 12

13 Change Your Password Note: If you are the designated administrator, you must contact (Corporate Financial Services) or (Independent Business and Agriculture) to reset your password. For all other users, follow the steps below: 1. On the Client Services tab, under Preferences, click Change Password. 2. In the Current Password box, type your current password. 3. In the New Password box, type a new password. Your password must be 6 to 32 characters in length with no spaces. The Password is case sensitive and can be a combination of alpha numeric characters. For better password security, choose a password that is not similar to your user ID 4. Click Submit. A confirmation message will appear after the change has been accepted. 13

14 Change the Answers to Your Challenge Questions Note: If you are the designated administrator, you must contact (Corporate Financial Services) or (Independent Business and Agriculture) to reset your password. For all other users, follow the steps below: 1. On the Client Services tab, under Preferences, click Change Challenge Questions and Answers. 2. Next to the question/answer click Modify. 3. Type your new answer to the challenge question. 4. Click Submit. 14

15 5. This change will present an extra level of authentication 6. When the second step of validation is successful you will see a validation message. View the ATB Financial Privacy Statement On the Client Services tab, click Privacy Statement. This will re-direct you to the ATB.com website location which contains this information. 15

16 Managing Your Accounts Note: You must have the appropriate entitlements to access and perform transactions on a given account. Contact your Administrator if you have questions about or need to request changes to your entitlements. View Account Details To view the details of the accounts to which you have access, including deposits, loans, credit lines, and fixed-term investments: 1. On the Accounts tab menu, click Account Summary. 2. To sort the list of accounts, under Account Display, click Display By Account Type or Display By Asset/Liability. 3. To view the transaction details of a particular account click the account name. Up to 180 days of transaction history is available. 16

17 Download Account Transactions To download account transactions to your computer, follow these steps: 1. On the Accounts tab menu, click Download Transactions. 2. Follow the on-screen instructions to specify which accounts transactions you want to download, and the file format you wish to download. ATBOnline Business offers multiple formats for downloads; CSV, BAI2, and formats that are connected to the following accounting software..ofx format (please refer to the Exporting Account Information to.ofx Format Software (Simply Accounting User Guide) QuickBooks Quicken Choose your file format based on accounting software that your business is using. The decision of what type of file format you choose will depend on your business need. CSV Character (or Comma) Separated Value. This format is commonly used in the exchange of data. It is commonly used in Excel and Notepad. CSV files are files where the data is written as ASCII format and the data is separated by a delimiter. ATBOnline allows you to use pipe, comma, space or tabs as delimiters. Choosing a delimiter is a business decision. From the standpoint of data files the data file is not particular to a specific delimiter. The header record in a CSV file defines the layout or order of the fields in a CSV file. If the header appears within the CSV data set it must be the first record of the file and is subject to all of the same formatting rules. The Header record is useful if you are unsure of the order that the data parts in the CSV file have been put together. See appendix for BAI2 data map. 17

18 View an E-Statement Your bank statements can be viewed in ATBOnline Business via an e-statement (PDF) that you will be able to save or print. E-Statements can be requested for accounts for up to 2 years. E-Statements are available for individual or consolidated statements. You can request two types of E-Statements: 1. Individual account statements These statements show the activity on a specific bank account for the period of time that you have requested. 2. Consolidated statements These statements show the activity of all your accounts combined in one statement for the period of time that you have chosen. To Access Individual E-Statements: 1. On the Accounts page, click E-Statements 2. Select the type of statement (Account or MasterCard) 3. Select the Account and date parameters and click Search. 4. From the listing of available statements, select the one you are looking for. To Access Consolidated Statements 1. In the Accounts page, click Consolidated E-Statements. 2. Select the date parameters and click Search. 18

19 Order a Copy of a Cheque 1. On the Client Services tab, click Order Cheque Copy. 2. Fill in the details of which cheque you want to order a copy of. 3. Click Next. 4. A verify order screen will appear, click Submit to confirm your request. 5. A Confirmation of cheque order copy will appear. Order a Copy of a Bank Statement 1. On the Client Services tab, click Order Statement Copy. 2. Select the account and date for which you want to order a copy of the statement. 3. Click Next 4. A verify order screen will appear, click Submit 5. A confirmation screen will appear confirming the request for a copy of the statement. 19

20 Managing Your Enhanced Security Whenever possible, ATB recommends setting up multiple phone numbers for your Enhanced Security. Additional phone numbers can be added through the Manage Enhanced Security link located within the Client Services tab. Your existing Enhanced Security phone information can also be edited or deleted through this function. In order to protect your information, this link may require additional authentication to access. Adding a New Phone 1. Within the Client Services tab, click Manage Enhanced Security. The Manage Enhanced Security page is displayed. 20

21 2. Click add new phone. The Enhanced Security Phone Set Up page will be displayed. 3. Enter your Phone Number, a Phone Name e.g. mobile or home, and the preferred Delivery Method for your Enhanced Security notifications. The delivery method can be changed with each Enhanced Security notice you receive. 4. Click Submit to register your phone information. A one-time passcode will be sent as verification that the phone is in your possession and the number was entered correctly. This verification process is required for each new phone number added for Enhanced Security. A passcode input page will appear in ATB Online Business. Note: When a new phone is set up for Enhanced Security, a SMS text message is sent as notification that ATB alerts have been activated regardless of the delivery method chosen. This enables the phone to be used for either delivery method after it has been successfully added. Click Cancel to cancel the phone set up. 5. Enter the passcode received in your message and click Submit to complete the phone verification process. 21

22 6. If your passcode is validated as correct, a Success page will appear. Your new Enhanced Security phone information has now been successfully added. Note: If you have added a new phone but it was not successfully verified, the phone information will appear in your Manage Enhanced Security page with Please verify under the delivery method. This phone would need to be verified before it could be used for Enhanced Security. 7. Click Next to return to the Manage Enhanced Security page. 8. To add another phone, click on the add new phone link and repeat the process. Click Cancel to return to the Client Services page. 9. Passcodes are time sensitive and one-time use only. If your passcode has been entered incorrectly, a Verification Failed message will appear. If your passcode has expired, a Passcode Expired message will appear. 10. Click Send New Passcode to generate a new passcode. Click Cancel to cancel the transaction. 22

23 Editing an Existing Phone 1. Within the Client Services tab, click Manage Enhanced Security. The Manage Enhanced Security page is displayed. 2. To edit existing phone information i.e. Primary #, Phone Name or Delivery Method, enter the change to the applicable field and click Submit. Note: Due to the phone verification process, the phone number field cannot be edited. If you need to change your phone number, a new phone would need to be added and the old phone deleted. Deleting a Phone 1. Within the Client Services tab, click Manage Enhanced Security. The Manage Enhanced Security page is displayed. 23

24 2. To delete a phone, click on the recycle symbol shown under the Delete column for the applicable phone number. A Confirm Delete page will be displayed 3. Click Submit to process the delete request. Note: The recycle symbol will only appear if there is more than one Enhanced Security phone number on file. Should there be the need to delete the only phone on file ex. phone is lost or stolen, please contact our Customer Care Centre at for further assistance. Transferring Funds Note: To transfer funds between accounts using ATBOnline Business, you must have access to both accounts. Contact your administrator if you have questions about or need to request changes to your entitlements. Set up a Single, Future Dated or Recurring Transfer 1. On the Transfers tab menu, click Single Transfer. 24

25 2. Enter the details of the transfer you want to set up. Note: on the Single Transfer section; Foreign exchange transfers (CAD/USD only) can be executed up to your defined transaction limit. 3. Click Next. 4. The following verification screen will appear. 5. Once you verify that the information is correct, click Submit. 6. You will receive a transaction reference number as a receipt for the initiated transfer(s). You can also see the details of the transfer in the Transfer History tab. 25

26 Set up Multiple Transfers 1. On the Transfers tab menu, click Multiple Transfers. 2. Enter the details of the transfers you want to set up. 3. Click Submit. 4. Verify the information and click Submit. 5. You will receive a confirmation message for the initiated transfer(s). 26

27 To View, Cancel and Edit Pending Transfers 1. On the Transfers tab menu, click Pending Transfers. 2. Click the transfer you want to Edit/Cancel or View. 3. For single transfers, click Delete or Edit to change the details of the transfer. 4. For recurring transfers you can; View details, Edit the recurring transfer, delete the next transfer or delete all the transfers. 27

28 5. Click Submit. A verification screen will appear that confirms the selection. 6. A confirmation message will appear. View Transfer History 1. On the Transfers tab menu, click Transfer History. 2. Select the account and period for which you want to see transfers and click Search. 28

29 Stop Payments Note: You must have the appropriate entitlements to stop a cheque; a range of cheque or a pre-authorized payment. Contact your administrator if you have questions about or need to request changes to your entitlements. Stop a Cheque 1. On the Stop Payments tab menu, click Single Stops. 2. Click Stop payment on a single cheque. 3. Enter the details of the cheque you want to stop and click Submit. 4. Validate the information is correct and click Submit. 29

30 5. A confirmation message will appear once the request is accepted. Stop a Pre-Authorized Payment Request 1. On the Stop Payments tab menu, click Single Stops. 2. Click Stop Single pre-authorized payment. 3. Enter the details of the payment you want to stop and click Submit. 30

31 4. Validate the information is correct and click Submit. 5. A confirmation message will appear once the request is accepted. Stop Payment on a Range of Cheques 1. On the Stop Payments tab menu, click Stop Cheque Range. 2. Enter the details of the range of cheques you want to stop and click Continue 31

32 3. Validate the information is correct and click Submit. 4. A confirmation message will appear once the request is accepted. View and Delete Stop Payments 1. On the Stop Payments tab, click Manage Stop Payments. 32

33 2. Select the account for which you want to view the stop payment details and click Submit. 3. To view additional details of a stop payment, click on the stop payment reference number. 4. To Delete a Stop Payment click the Delete icon next to the stop payment. 5. Validate the information is correct and click Continue. 33

34 6. A confirmation message will appear once the request is accepted. Paying Bills Bill Payments made in ATB Online can only be made through a deposit account in Canadian dollars. Note: You must have the appropriate entitlements to add, modify, or cancel bill payments. Contact your administrator if you have questions about or need to request changes to your entitlements. From this tab, you can also access links to make Government Tax Payments (Can-Act) and AGLC Payments. Both services require activation by ATB Financial prior to their availability in ATBOnline Business. Add a New Payee 1. On the Pay Bills tab menu, click Manage Payees. 2. Enter the first three characters of the Payee Name. 3. A drop down box with all potential payees will appear. Select the appropriate Payee and click Next. 4. Enter the Payee account number and create a nickname then click Next. 34

35 5. Validate the information is correct and click Submit. 6. A confirmation message will appear once the request is accepted. Edit a Payee 1. On the Pay Bills tab menu, click Manage Payees. 2. Click on the name of the Payee that you wish to edit. 3. Edit the details and click Next. 35

36 4. Validate the information is correct and click Update Payee. 5. A confirmation message will appear once the request is accepted. 36

37 Delete a Payee 1. On the Pay Bills tab menu, click Manage Payees. 2. Under Edit/Modify Payees, next to the payee you want to delete, click the Delete button. 3. Validate the information is correct and click Delete Payee. 4. A confirmation message will appear once the request is accepted. 37

38 Create a One-Time Bill Payment 1. On the Pay Bills tab, click Create Payment. 2. Enter the details of the payment you want to create and click Next. If the intended payee does not appear in the Payee list, you can add a new payee on the Manage Payees page. (See section below entitled Add a new Payee ) 3. Validate the information is correct and click Submit. 4. You will receive a transaction reference number and a status message. 38

39 Create a Recurring Bill Payment 1. On the Pay Bills tab, click Create Recurring Payments. 2. Enter the details for the recurring payment and click Next. If the payee does not appear in the list, you can add a new payee on the Manage Payees page. 3. Validate the information is correct and click Add Payment. 39

40 4. A confirmation message will appear once the request is accepted. Edit or Cancel Pending Bill Payments The Edit feature in pending payment allows you to: a. View payment details b. Skip (delete) a payment c. Skip (delete) a payment and or delete the recurring series (option only for recurring payments). d. Edit a payment and the recurring series 1. On the Pay Bills tab menu, click Pending Payments. 40

41 2. Click the Edit/Cancel hyperlink next to the payment you want to edit or cancel. 3. Choose the action that you want executed on the pending payment. 4. Validate the information is correct and click Next. 5. Click Submit to finalize the instruction. 6. A confirmation message will appear once the request is accepted. 41

42 View Bill Payment History 1. On the Pay Bills tab click Payment History. 2. To see detailed record of a bill payment click the Reference Number hyperlink that corresponds to the payment you wish to view. 42

43 Managing Your Alerts Note: You must have the appropriate entitlements to subscribe to an alert. Contact your administrator if you have questions about or want to request changes to your entitlements. Manage Contact Points Before you can add or manage alerts you must first set up your contact information. 1. On the Alerts tab menu, click Manage Contact Points 2. Complete your contact information and click Add Contact. 3. A confirmation message will appear once the request is accepted along with the contact details. 43

44 Edit Your Contact Points for Alerts 1. On the Alerts tab, click Manage Contact Points. 2. Click Edit. 3. Edit the information that you need to change and click Update Contact. Delete a Contact Point for Alerts 1. On the Alerts tab click Manage Contact Points. 2. Next to the alert you want to delete click the Delete button. 44

45 Add an Alert 1. On the Alerts tab click Add Alert. 2. Click the Alert Type you want to create. 3. Choose the criteria for the specific type of Alert you would like and click Next. Balance, Incoming Wire, EFT Returns and Chargeback alerts first require that your Administrator to setup the rule profile before a user can subscribe to those alert types. 45

46 4. Validate the information is correct and click Add Alert. 5. You will receive a confirmation that the alert has been successfully added. Delete an Alert 1. On the Alerts tab click Manage Alerts. 2. Next to the alert you want to delete click the Delete button. 3. Validate the information is correct and click Delete Alert. 4. You will receive a confirmation that the alert has been successfully deleted. Accessing MasterCard Services Note: You must have the appropriate entitlements to access MasterCard services. Contact your administrator if you have questions about or want to request changes to your entitlements. Apply for an ATB MasterCard On the Client Services tab, click ATB MasterCard Application to open a new window with the online application form. 46

47 Order MasterCard Cheques 1. On the Client Services tab click Order MasterCard Cheques. 2. Select the account and enter the quantity of cheques you want to order. 3. Click Next and follow the on screen instructions. Pay a Creditor from a MasterCard Account 1. On the Client Services tab click Pay Creditor from MasterCard Account. 2. Select the MasterCard you wish to pay your creditor from. 3. Enter the details for the payment you want to make. 4. Read the disclaimer and select the Accept indicator. 5. Click Next and follow the on screen instructions. 47

48 Manage a MasterCard Credit Balance Refund 1. On the Client Services tab click Manage MasterCard Credit Balance Refund. 2. Select your MasterCard account and complete the details. 3. In the Amount box, type the amount of the credit balance that you want refunded. 4. Do one of the following: To request ATB to issue a bank draft for the amount, click Issue Draft. To request ATB to credit your account for the amount, in the Credit my ATB account list, select an account. 5. Click Next and follow the on screen instructions. Apply to Change the Limit on an Employee MasterCard 1. On the Client Services tab click Change Individual Card Limit. 2. In the MasterCard Account list, select the card account. 3. In the Employee Name box, type the name that appears on the card. 4. In the Credit Limit box, enter the credit limit you wish to have. 5. Click Next and follow the on screen instructions. 48

49 Add or Remove an Employee MasterCard holder 1. On the Client Services tab click Add or Remove Employee Cardholder. 2. In the MasterCard Account list select the card account. 3. Click Add Cardholder or Remove Cardholder. 4. Enter the details for the employee cardholder you want to add or remove. 5. Click Next and follow the on screen instructions. Contacting ATBOnline Business Customer Support To Send a Message to Customer Support 1. On the Client Services tab click Send Us a Message. 2. Select the message subject and type the message in the space provided and click Next. 49

50 3. Validate the information is correct and click Submit. 4. You will receive a confirmation that the message has been successfully sent. View Your Messages to and from Customer Support 1. On the Client Services tab click Read Messages. 2. Select the number of messages you want to display, and then click Display. 3. Click on the hyperlink for the message you would like to review. 50

51 Administration Managing Account Nicknames The default name for each of your ATBOnline Business accounts is the account type (e.g., Basic Account, Business U.S. Dollar Chequing, or Cashable GIC). Setting account nicknames can help you identify and distinguish among your accounts. Manage Account Preferences 1. On the Client Services tab under Preferences, click Manage Account Preferences. 2. Modify the account names and click Submit. 3. A confirmation message will appear once the request is accepted. When you view your accounts on the Account Summary page, the account names will now be identified by its nickname. Auditing via ATBOnline Business The Audit function allows you to view the activities of all users and activities of your ATBOnline Business platform. You can search for transactions by any of the following criteria: Service Activity User Date range A combination of the above 51

52 1. On the Administration tab menu click Audit. 2. Enter the search details and click Search or Download. Managing Alerts ATBOnline Business uses alerts to notify you of activity on your account. The Manage Alerts tab, within the Administration Page, allows the Administrator to create, view, edit, and delete the alert rules that are set up for your company. Only after the Administrator has set up the appropriate alerts can a user subscribe to and receive those alerts. This is achieved through the Alerts section under the Administration Tab. 52

53 The following are the types of Alerts available: In order to receive Alerts, you must first set-up your contact details. Manage Contact Points 1. On the Alerts tab menu, click Manage Contact Points. 2. Enter your contact details and select Add Contact. 3. A confirmation message will appear. 53

54 Edit Contact Point 1. On the Alerts tab menu, click Manage Contact Points. 2. Click the Edit link. 3. Edit your contact details and click Update Contact. 4. A confirmation message will appear. 54

55 Delete Contact Point 1. On the Alerts tab menu, click Manage Contact Points. 2. Click the Delete button and then verify by clicking the Delete Contact button. 3. A confirmation message will appear. 55

56 Add Alerts 1. On the Alerts tab menu, click Add Alert. 2. Click the type of alert you want to add (eg. Balance). 3. Select the account and then click Next. 4. Select the Alert criteria(s) and click Next. 56

57 5. On the verify screen, review the alert details and click Add Alert 6. A confirmation message will appear. Delete an Alert 1. On the Alerts tab menu, click Manage Alerts. 2. Select the Delete button next to the Alert you want deleted. 57

58 3. On the verify screen, review the alert to be deleted and click Delete Alert. 4. A confirmation message will appear. Viewing Service Statements Service Statements are fee statements that summarize the fees associated with your accounts. Only the Administrator or anyone that is allowed full access via Entitlements is allowed access to Service Statements. To view service statements: 1. On the Administration tab menu, click Service Statements. 2. Enter beginning and end dates for the period in which you want to see the statements. 58

59 3. Click Display. 4. Click the statement you want to view. 59

60 60

61 Security At ATB, we make your banking security a top priority. We maintain strict security standards to prevent unauthorized access to your accounts and your financial information through ATBOnline Business. (Please refer to your ATBOnline Business Access Agreement for further details) How ATBOnline Business Protects You Secure Web Pages and Data Encryption ATB Financial adheres to industry-standard security and encryption practices to protect your banking. Your account information is encrypted as it travels between our computer system and your Internet browser during your banking transactions. ATBOnline Business platform uses 128 bit encryption to secure your financial information. In addition, your ATBOnline Business banking session will automatically sign you out after a 15 minute period of inactivity. ATBOnline Business is an Entrust Secured website. Intelligent Authentication ATB Intelligent Authentication makes your ATBOnline Business experience even more secure. Intelligent Authentication examines the access behaviour of visitors to ATBOnline Business and determines when it is necessary to block or challenge suspicious visitors. Enhanced Security Keeping your online business banking safe is a top priority for us. That s why we re pleased to introduce our new Enhanced Security solution to better protect your business accounts from unauthorized access or fraud. In just two easy steps, our new Enhanced Security solution can keep you two steps ahead of online fraud. Now, whenever you initiate a sensitive online transaction, our online verification process will prompt you to enter a one-time use passcode. Some of the business transactions that may prompt the Enhanced Security system to request additional authentication include: Adding or editing bill payees EFT Direct Deposit files One-off Disbursements 61

62 Changes to Passwords and Challenge Questions and Answers Managing Users and Roles Your one-time passcode will be sent to you by SMS text or automated phone call, depending on your preference. When you enter the passcode in ATB Online Business, the transaction proceeds. The whole process takes only a few additional seconds, from start to finish. And in just two easy steps, you re two steps ahead of whatever fraudsters might try. Below is an example of what occurs with a financial transaction. The transaction information is entered and verified for accuracy as per existing processes Step 1: After clicking the Submit button, the Enhanced Security verification page is displayed indicating that the transaction requires authentication before it can be completed. The online user is instructed to select the following for their Enhanced Security notification: Phone Number where the notification is to be sent. If there are multiple phone numbers registered, a drop down box is shown with the various phone numbers to choose from. For security reasons, only the last 5 digits of the phone number and the phone name are displayed. Delivery Method how the notification will be sent i.e. by SMS text message or automated phone call. Click Submit to continue with the verification process. An Enhanced Security message will be sent to the phone number selected by you. 62

63 Click Cancel to cancel out of the Enhanced Security Verification page and return to the transaction screen. Step 2: Upon pressing Submit, a SMS text message or automated phone call will be sent to your selected phone number. The message will contain a brief description of the transaction along with a one-time passcode. Once you have verified the transaction described in the messaging is correct, enter the passcode in ATB Online Business and press Submit. Click Back to re-select your phone information or to cancel the transaction. If the passcode validates as being correct, the transaction will proceed as normal. 63

64 Passcodes are time sensitive and one-time use only. If your passcode has been entered incorrectly, a Verification Failed message will appear. If your passcode has expired, a Passcode Expired message will appear. Click Send New Passcode to generate a new passcode. Click Cancel to cancel the transaction. If you have deferred enrolment for Enhanced Security and attempt a sensitive online transaction that requires additional authentication, the following message will be displayed indicating the transaction cannot be completed until your enrolment has been successfully completed. Click Back to be re-directed to the Account Summary page. The transaction or request that was attempted will be automatically cancelled. If you wish to enrol in Enhanced Security at this time, log out and log back in to ATB Online Business to restart the enrolment process. Limits on User Roles ATBOnline Business allows administrators to set limits on users access to specific accounts, as well as on the amounts of transactions. 64

65 How You Can Protect Yourself We recommend that you adopt the following security practices to increase your own level of protection: Choosing and Protecting Your Password Your ATBOnline Business password guards your security. Never tell anyone your password, including ATB representatives. ATB Financial will never ask you for your password. We can rest the password only for the administrator. Only your company administrator can reset user passwords for your ATBOnline platform. Choose a password that you will remember but that is not easy to guess. Passwords containing combinations of letters, numbers, and capital letters are usually harder to guess (e.g., 45GC7kt9y). The password for ATBOnline Business is case-sensitive and needs to be between 6 and 18 numbers and/ or letters. Your password for ATBOnline Business should be unique. Change your password on a regular basis. Do not write your ATBOnline Business user ID together with your password. Do not write down or tell anyone your challenge questions and answers. Disable your browser from remembering all sign-in details. Keeping Your Computer Secure Equip your computer with the latest antivirus and firewall protection. Download virus definitions and updates regularly to ensure you have the most up-to-date versions of your software. ATB Financial Does not recommend accessing ATBOnline Business from internet cafés and other public- access Wi-Fi sites. Check for an Internet protection symbol in the bottom right corner of your browser. Be sure to sign out of ATBOnline Business once you have completed your banking session. Never sign in to ATBOnline Business from an message or link. ATB will never send an message linking you to the ATBOnline Business site. Always sign in directly from your browser to avoid being directed to a false site. ATB will never ask for your personal and financial information by . If you receive an message asking for your ATB banking information or redirecting you to an alternate ATBOnline Business site, delete it immediately and call ATB Financial at (Corporate Financial Services) or (Independent Business and Agriculture). For more on security, visit atb.com Contact Us For more information, call ATB Financial at (Corporate Financial Services) or (Independent Business and Agriculture), or visit atb.com. 65

66 Appendix A ATV Financial BAI2 Code Descriptions Record 16 Type Codes Record 16 Type Codes BAI2 CODE DESCRIPTION BAI2 CODE DESCRIPTION CREDITS DEBITS 108 Debit Card Purchase/Correction 409 Payment 142 Direct Deposit 451 Direct Deposit / Correction 147 Merchant Deposit 455 Pre-Authorized Debit 165 Pre-Authorized Debit/Correction 466 EFT Settlement 166 EFT Settlement 468 EFT Returned Item/Adjustment Settlement 168 EFT Returned Item/Adjustment Settlement 474 Certified Cheque 171 Loan Advance 475 Cheque Paid 174 Deposit 481 Loan 195 Wire Payment 484 Bank Draft 206 Transfer of Funds 495 Wire Payment 214 Foreign Exchange 506 Transfer of Funds 227 Standing Order 514 Foreign Exchange 252 Debit Memo / Correction 527 Standing Order 254 Error Correction 552 Credit Memo / Correction 255 NSF 554 Error Correction 263 Overdraft Transfer/Adjustment 555 Chargeback 266 Returned Item 563 Overdraft Transfer / Adjustment 275 ECP Credit (Zero Balancing) 566 Returned Item 278 ECP Credit/Adjustment (Zero Balancing) 567 NSF Fee 351 Investment/Adjustment 577 ECP Debit (Zero Balancing) 353 Withdrawal / Correction 578 ECP Debit Adjustment (Zero Balancing) 354 Interest 631 Debit Adjustment 355 Investment Interest 651 Investment / Adjustment 357 Credit Adjustment 654 Interest 359 Interest / Adjustment 659 Interest / Adjustment 391 Universal Credit 691 Universal Debit 395 Cheque Reversal 694 Deposit / Correction 398 Service Charge / Correction 698 Service Fee 399 Credit Memo 699 Debit Memo 920 Payment / Correction 960 Debit Card Purchase 921 Merchandise Return 961 Withdrawal 922 Merchant Reversal / Correction 962 Insurance Premium 923 Loan / Adjustment 963 Non-Residence Tax 924 Goods and Service Tax 964 Merchandise Return 925 Non Resident Tax 965 Merchant Reversal 926 Loan Interest / Adjustment 966 Goods and Service Tax 927 Insurance Premium / Adjustment 967 Debit Card Purchase Cash Back 928 Debit Card Cash Back 968 Loan / Adjustment 969 Merchant Deposit / Correction 66

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