Online Banking. Commercial Customer Guide. May Online Banking Commercial Customer Guide

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1 May

2 Initial Login STEP 1: First-Time User Login Input your Login ID First Time User Click Continue Note: In order for the registration process to work properly, Adobe Flash is required. If you don t have the program s version for your computer downloaded, or you need to verify that you have the program, go to the Adobe Flash link located in the lower left hand corner of our website s homepage at Or if you prefer to go to Adobe s site directly, it is: STEP 2: First-Time User Login - Secure Access Code Delivery o First step of the Multi-Factor Authentication (Security) o 3 options to choose from for delivery of Secure Access Code 1. Already have a Secure Access Code - you would only use this if you went back through the initial steps (Step #1) and it was within 15 minutes of receiving your Secure Access Code), or 2. Via Phone you must be able to answer the phone when the call comes in. The system will not leave a message on your voice mail, or 3. Via you must be able to navigate to a new Browser Page, Explorer 7 + that allows for this, i.e., open a new tab. Note: This is contact information that the Bank has in its records. If it is not up-to-date you will not be able to receive a Secure Access Code. o Be sure to choose the option you have immediate access to 2

3 o You must use the Secure Access Code within 15 minutes. o Each Secure Access Code is used only one time. o Note, your contact information is masked with X s, i.e., Phone # s will have X s with just the last 2 digits showing, and addresses with AOL or MSN for example will appear as xsn.com or xol.com. *For strengthened security, every User of a Business customer that uses ACH, payroll or wire transfer options will be prompted to receive a new Secure Access Code upon every log in. The Screen will say Register this computer please note it is really NOT Registering the computer again it is merely the delivery of the Secure Access Code. o Enter or cut/paste in Secure Access Code (6 digits) you received via or phone delivery. *will need to click in the box. During Initial Login upon receiving the Secure Access Code you will complete the Welcome First Time User Steps (3).. STEP 1: Welcome First Time User Read and Accept Disclaimer 3

4 STEP 2: Welcome First Time User Create Your Online Profile *If you are a bill pay customer each USER must input their SSN to access that feature. Work Phone: is a mandatory field. If you do not have one, input your home or cell #. STEP 3: Welcome First Time User Change Your Password *Note the password requirements i.e., at least 8 characters in length, at least one character must be a number, at least one character must be a lowercase character. Be sure to build a strong password i.e., do not use common information such as family members names, important dates such as DOBs, Anniversaries, home street number, etc. that can be easily determined. 4

5 Register this Computer 2 nd Step of Multi Factor Authentication (Security) The Register this Computer step will occur upon your next login. You will be asked to Register each computer you use to access : Note: In order for the registration process to work properly, Adobe Flash is required. If you don t have the program s version for your computer downloaded, or you need to verify that you have the program, go to the Adobe Flash link located in the lower left hand corner of our website s homepage at Or if you prefer to go to Adobe s site directly, it is: o You have 3 options to choose from for delivery of Secure Access Code: 1. Already have a Secure Access Code. 2. Via an Address (you must be able to navigate to a new Browser Page) 3. Via Phone Number (you must be able to answer the phone. The system will not leave the Secure Access Code on voice mail). Note: This is contact information we have in OUR records. If it is not up-to-date, you will not be able to receive a Secure Access Code. o Be sure to choose the one you have immediate access to. o You must use the Secure Access Code within 15 minutes. o Each Code is good for only one use. o Enter or cut/paste in Secure Access Code (6 digits) that you received from your or phone delivery. 5

6 Benefits Multi-channel (voice, and text) Delivery Strengthened Security o Robust multi-factor authentication (MFA): - Step 1 = Delivery of Secure Access Code - Step 2 = Registration of computer(s) Robust Help Feature Secure Messaging (encrypted) capability between you and the Bank. Quick Access Feature reduces the number of clicks to perform routine transactions Enhanced History options (90 days) o You can set the amount of History you want to view under Preferences / Account, then change # to the number of days you would like to view, then change Type to days. 6

7 Running Balance with every transaction. View Images - Checks and deposit slips (via magnifying glass icon) and deposited items (via yellow paper with dot icon). View Statement History (available back to year 2004) o To view statements within the, you will first need to choose Electronic Statement in the PREFERENCES / DELIVERY option. Below is a screen shot of the Statements area and the message that will appear along with the hyperlink that will take you to the Preferences / Delivery area. 7

8 Alerts located in the Preferences / Alert area. You can set up Alerts by balance or date. o You can receive Alerts via , voice or text. Set Account View Order located in the Preferences / Account area. Set Name of Account(s) located in the Preferences / Account / Display Name area. What happens if I forget my password or log-in? If you forget your log-in, please call Electronic Banking during normal hours: Monday through Friday, excluding Federal holidays, from 7am-6 pm MT or 8am 7pm CT at option 1. We cannot share log-in information without speaking with you and obtaining information for identification purposes. If you forget your password, just enter your Log-in ID, then select Forgot Password? Our system will automatically deliver a Secure Access Code to your contact information on file. Use the secure access code and the screens will prompt you through creating a new password for yourself. What if I m having difficulty accessing Bill Payment? First, all Bill Payment customers must input their Social Security Number (SSN) in their Profile within. Once you verify the SSN is in fact present in Profile, additional steps to help identify where the issue may be are as follows: 1. If you use Safari (Apple product) or Firefox Mozilla you must correct your security settings as follows: a. Open browser window b. Go to security settings c. Go to preferences d. Click on allow all third party cookies 2. Finally, it may be the Pop Up Blocker setting. You can perform the following steps to turn off the Pop Up Blocker: a. Open browser window b. Go to Tools from the top menu c. Turn off Pop Up Blocker 8

9 BUSINESS CUSTOMER who uses ACH, Payroll or Wire Transfers: Screen shot of the landing page - the first screen upon Log-in: Secure messages between customer & bank Quick Action Feature Menu Tree is located on the left side of the screen. *You can tell where you are as the word will be bolded. 9

10 Updating online profile & Contact Information You can update your online profile and contact information via Preferences/User as shown: 10

11 Business Customers (Cash Management Services) HOW DO I? Set Up User Rights User Rights can be set up under Preferences / User Rights. There are four tabs: Account, Transaction, Limits and Other. The Account tab allows you to define access rights per account for your user. From here, you can allow your user access to View, Deposit, and/or Withdraw from your linked accounts. 11

12 Here is a screen shot for the 2 nd Tab under User Rights Transaction The Transaction tab allows you to grant a user the ability to Draft, Approve, and/or Cancel specific transaction types. You can also choose whether or not your user will be able to View Online Activity for All users, User, meaning only their work initiated online, or None, meaning cannot see any activity. IMPORTANT NOTE: For a user to be able to Draft a transaction, but not Approve, they must be given the right to Withdraw from the account(s). If this is not checked off, they will not be able to view any accounts to draft a payment from. The limitation to insure the user is not initiating a transaction without dual approval will fall under the Draft, Approve, or Cancel rights in the second portion of this page. 12

13 Here is a screen shot for the 3 rd Tab under User Rights Limit The Limit tab allows you to define rights and limits of your user by each Transaction Type. 13

14 Here is a screen shot for the 4 th Tab under User Rights Other The Other tab allows you to grant user rights to Manage Rights for all Users, which is an administrative role, Access All Templates, and Manage Recipients, which is bookkeeping related. Once all tabs are complete, click Submit at the bottom of the screen. You have successfully attached the desired rights to your new User. 14

15 SendAFile (ACH) Note: We can only accept the following file extensions: TXT, ACH, LOG, TEXT, PDF, DOC, XLS, PPT WPD and RTF Select, in the upper right corner of the Account Overview page, the blue You have X new messages link Select New From the To drop down box, select ACH SendAFile Type your company name in the subject line Browse to your file and attach it In the body of the message, tell us the file total and effective date Click on Send Fax the SendAFile confirmation sheet to or specifying the effective date of the file, dollar amount and # of items. If you have not received a confirmation secure message from us by 4:30 MT or 5:30 CT, please call option 1. 15

16 To Build a New Recipient: Select Recipients under the Commercial Menu At the Manage Recipients screen click on Add Recipient. Complete all the new Recipient information and then click on Add Payment do not click on submit 16

17 Select your Payment Type If the amount is a set amount, input that amount, otherwise leave blank or $0.00 If you have an existing batch you would like to use, choose the batch you need. If you would like to start a new type of batch, Select New Batch and name the batch. Input the account number, type and bank routing number for the payee. Click Submit The screen will show the Recipient with the ACH Payment type and Template. At this point you can add other types of payments (payroll, collections, etc) to this Recipient or move on to payments. 17

18 Pay my staff as I always have: On the left, in the Commercial section, select Payroll Select the Batch drop down box near the top 18

19 If you had your employees grouped into Categories (such as Hourly or salaried), there will be batches with the corresponding titles if you did not have your employees grouped before, they will be in a batch called Payroll. Select the batch you want to pay. On the right, select the From account and Effective Date. For each person you want to pay, check the Pay square and enter the Total Amount of their pay. Click in the white space to have the Number of Payments and Total Amount fields (near the bottom) refreshed you may want to use these totals to help you balance. Select Continue and OK. At the Submit Transaction page, select Approve and OK. Verify that the transaction shows as Authorized (past tense). If it does not, you have not submitted the payment to us. Record and keep the Tracking ID this ID is equivalent to a receipt a teller or merchant would give you. Establish a new Employee and pay only that person: In the Commercial section on the left, select Recipients Select Add Recipient Name the recipient (in two places) Toward the right, in blue, select Add Payment In the Payment Template section, either attach to an existing batch or Create a New Batch Complete the Primary Account Information section If applicable, enter the Split Payment information Select Submit and OK 19

20 Select Payroll again Find the batch name you associated the new hire with Select the From account Select the Effective Date Click in Pay square and enter amount Select Continue Select OK Select Approve and OK Retain Tracking ID Collect money from my customers: If you were previously using the ACH Receipts feature, this is now called Collections On the left, in the Commercial section, select Collections Select the Batch drop down box near the top If you had receipts or collections grouped into categories (such as Sunny Beaches HOA), you will see batches with the same names if you did not have your collections or receipts grouped before, you will see a batch called ACH Collections 20

21 For each person (or business) you want to collect from, check the square and enter the amount Click in the white space to have the Number of Payments and Total Amount fields (near the bottom) refreshed you may want to use these to help you balance. Select Continue and OK At the Submit Transaction page, select Approve and OK Verify that the transaction shows as Authorized (past tense). If it does not, you have not submitted the payment to us. Record and keep the Tracking ID this ID is equivalent to a receipt a teller or merchant would give you. Establish a new Collections Customer: In the Commercial section on the left, select Recipients Select Add Recipient Name the recipient (in two places) Toward the right, in blue, select Add Payment In the Payment Information section, select Payment Type of ACH Collections In the Payment Template section, either attach to an existing batch or Create a New Batch 21

22 Complete the Primary Account Information section Select Submit and OK You should now be at the Edit Recipient screen In the Commercial section (at the left) select Collections Select the Batch, To Account Number, and Effective Date Click in the Pay box and enter the amount you want to collect Select Continue, OK, Approve and OK record the tracking ID Pay Bills: In Transactions, select Pay Bills your templates will be there. Remember, you must input your SSN into your online profile in order to access the Bill Pay Feature. Transfers: - There are two ways to perform a transfer between the accounts you have set up in : o Via the Quick Action Feature Icon Or, via the Menu Tree on the left, go to Transactions and click on Funds Transfer Approving Transactions: Upon clicking on Submit after inputting a Transfer (from the Menu Tree on the left), a Stop Payment, a Change of address or Business customers submitting ACH file or Wires, the customer must click Approve or the transaction will remain in drafted form and will not go. Please Note: if the Transfer is created via the Quick Access Feature it will NOT have to be approved, it will go without the Approval step. Upon inputting a transaction (any of the items listed above) you will be taken to a Submit Transaction screen like the one below. In order for a transaction to be approved and sent for processing you must choose Approve from the tool bar at the top of the screen. Choosing Draft 22

23 will leave the transaction in a pending state until you (an Approver) Approve for processing or Cancel. To cancel the transaction completely, you can choose Cancel. TERMS REVIEW: Approve = transactions sent to the financial institution and are scheduled to process Draft = transactions submitted but not authorized for processing Cancel = if the transaction has not been processed this is a request to cancel it Help = online Help descriptions, definitions etc. Note: all online activity is viewable under Accounts / Online Activity. In this area is where an Approver would go to Approve a Drafted transaction/file. Managing Subsidiaries: Under Subsidiaries, you will be able to manage in companies that might fall under your main parent company, or holding company. Under the Manage Subsidiaries page, you will be able to Add Subsidiary, Edit the selected 23

24 subsidiary, Delete, or Print from the tool bar: To add a new subsidiary, you will need to fill out the necessary information: After submitting the required information, you will be returned to the Manage Subsidiaries page: 24

25 For Electronic Banking Support: am 6 pm MT or 8 am 7 pm CT Member FDIC 25