Business Online Banking User Guide
TABLE OF CONTENTS Get Started Log into Your Account p. Change Your Password p. Home Tab My Bank p. Alerts &Messages: Manage Messages, Alerts & Reminders & Security Alerts p. Preferences: Manage Display Settings & Update Address, Email, Login ID & Password p. 4 My Favorites View: Manage Favorites View p. 5 Enhanced Account Protection (EAP) p. 6 Accounts Tab Balances: Account Balances p. 7 edocuments: estatements, enotices & etax Documents p. 8 Activity & Transaction Search p. 0 Transaction Dispute p. Payments Tab Payment Center & Bill Pay p. Wire Transfers p. ACH & Recipients: Create Recipients p. 5 Templates: Create a Direct Deposit or Tax Payment Template p. 6 Templates & Banks: Initiate or Schedule an ACH Payment from a Template p. 7 Transfers Tab Transfers: Create, Edit & View Transfers p. 8 Admin Tab Create User: Add a New User/Create User p. 9 User Entitlements: Set User Entitlements p. 0 User Entitlements Continued: Custom Account Entitlements p. 0 Administer User Entitlements: Dual Authorization p. Services Tab Services: Other Options p. If you need assistance, don t hesitate to contact an Online Banking Support Representative at 888-500-960, Monday through Saturday, 8:00 a.m. to 9:00 p.m. CT
Log into Your Account Go to and enter the following information: Company ID you should have received this at enrollment. Login ID you chose this when you applied for service. GET STARTED SecureEntry TM set up your challenge questions and answers. When logging in for the first time, you will be asked to provide identifying information that will help our system to recognize you when necessary.. Choose a SecurEntry Challenge Questions from the drop down menus.. Provide an answer to each Challenge Question.. Click Continue. 4. Review the answers you provided and then click Submit. Temporary Password you chose this when you applied for service. Once you enter the information, select GO. Review agreement The first time you log in, you will be asked to review Amegy Bank s Internet Banking Service Agreement. This document, along with the Business Internet Banking Agreement, will be available for review anytime by selecting Agreement Center in the Services section. Select I Agree to proceed. Change Your Password As an added security measure, you will be asked to change your password the first time you log in. Make sure you choose a password that is easy for you to remember, but difficult for others to guess. Passwords must be between 8-5 characters. Passwords must contain at least one digit and one letter. Passwords may not contain special characters ($, @, &, etc.). Passwords may not contain the word password. Avoid birthdays, children s names, etc. Select Submit Password to continue.
HOME TAB: MY BANK When you log into Business Online Banking, you will always be taken to the My Bank page. My Bank page provides a summary of your banking information with top navigation tabs and links to frequently used bank services. The My Bank summary page displays the following features:. A summary of your deposit account, loan, and credit card balances. Access to Quick Transfers for moving money between eligible accounts. A new Info Center to inform you of unread security alerts, account messages, and reminders 4. A quick view of your most recent pending, cleared, and scheduled transactions 4
Manage Messages Alerts & Reminders The Message Center is a centralized location where you can manage messages, alerts, and reminders for your account transactions and events. These notifications are delivered to one or more locations, based on your defined delivery options. The Manage Alerts page enables you to create, edit, view, and delete alerts. The Messages feature in Online Banking enables you to send, receive, and view secure messages. HOME TAB: ALERTS & MESSAGES Security Alerts When profile adjustments are made to your Business Online Banking profile, security alerts are automatically sent to your email address to provide you with information, such as: New Transfer to Friend Accound added to profile Login ID Change Password Change or Reset Entitlement Requires Approval Transfer Requires Approval
HOME TAB: PREFERENCES Manage Display Settings & Update Address, Email, Login ID & Password Preferences allow you to manage your display settings, update your address and email information, and change your Login ID or password. The Account Preferences page enables you to set preferences specific to each of your accounts in relation with Online Banking. Use the Change Account Preferences page to:. Change Account Nickname. Define the number of days cleared transactions are displayed in history. List which account information is displayed in Online Banking 4. Specify a default account. 4 4
HOME TAB: MY FAVORITES VIEW Manage Favorites View This option allows you to create, modify or delete Favorites View. Favorites View allows you to personalize the accounts you would like to see on My Bank page. 4. Select Manage Favorites View from drop down box My Bank View. Click on Create New Favorites View. Type in Favorites View Name and select which accounts to display 4. Click Submit Prefs 5
HOME TAB: ENHANCED ACCOUNT PROTECTION (EAP) Enhanced Account Protection (EAP) is a mobile-based transaction authentication service that adds an additional layer of security to help protect your account from fraudulent transactions. If you are enrolled in EAP, certain online activities will require authentication via SMS text messages before the request can be completed.. When online activity requires EAP, you are presented with a page where they must successfully enter the correct PIN and SMS token code before the online request can be completed Our PIN is selected during Enhanced Account Protection enrollment. The token code is system generated and is sent to your mobile device as a text message, along with the transaction information or activity being requested This unique token code is only valid for one transaction at a time and expires after 8 minutes You will be locked out after failed attempts 6
ACCOUNTS TAB: BALANCES Account Balances This tab is used to find account information, balances, account activity, and edocuments. Your Account Balances page displays the list of accounts, last 4 digits of each account number, prior day balance, current balance, and available balances. You have the ability to download transactions to your financial management software from this screen. 7
ACCOUNTS TAB: EDOCUMENTS To opt out of paper documents:. From the ACCOUNTS tab, select edocuments then My edocuments Preferences to enroll your deposit and loan accounts in electronic statements, notices and/or etax documents. Select the account(s) for which you would like to receive electronic versions of statements, notices, and/or tax documents 8 months of statement history and years of tax documents are stored online. 8
ACCOUNTS TAB: EDOCUMENTS To view your edocuments:. From the ACCOUNTS tab, hover over edocuments then select either estatements/enotices (for account statements or notices) or etax Documents (for tax documents). Use the drop-down menus to narrow your search by account, document type, and/or date. Finally, links will appear for available documents that match your criteria 9
ACCOUNTS TAB: ACTIVITY & TRANSACTION SEARCH Activity page displays the list of account transactions, with the options to search by date range, payment amount, check number, or key word. Click on the transaction to see more detailed information or view check images. 4 The Transaction Search page makes it easy for you to locate and view detailed information about a specific transaction.. Select an Account(s). Choose the type(s) of transaction you are looking for: ATM, Check, Credit, Debit, Fee or select All types. Enter a reference ID, date, or amount. If you don t know the exact information, use a range search 4. Click Search 0
ACCOUNTS TAB: DISPUTES From the transaction activity screen with in the ACCOUNTS tab, you may submit a dispute for an ACH or Debit/ATM Card transaction.. Find the unauthorized/unrecognized transaction within your account Activity. Hover over the icon and click Dispute Charge to open the form to submit a dispute. Complete the Dispute Information form and select Preview. The form criteria vary based on transaction type being disputed. Review the information about the transaction dispute. If correct, select Submit. An email is sent to your Online Banking email address to confirm the submission and provide next steps
PAYMENTS TAB: PAYMENT CENTER & BILL PAY This Payments tab is used to for creating, searching and sending payments for Bill Pay, Wire Transfers, and ACH (Direct Deposit and Tax Payments). The Payments Center is for viewing ACH payment history. Future dated and recurring payments can be modified or deleted from this page. Bill Pay This online feature allows you to send payments to anyone in United States. 4. Access Bill Pay in PAYMENTS to send payments and schedule recurring payments up to a year in advance.. Select Bill Category or Search for Payee to get started. Enter Account Number and Zip Code 4. Enter Payment Amount and Date, and select Make Payment
PAYMENTS TAB: WIRE TRANSFERS Wire Transfers This online feature allows you to initiate domestic wire transfers. To complete your Wire Transfer Enrollment:. From the PAYMENTS or SERVICES tab, access Wires Application. Print and complete the application. Submit the application by mail or to your nearest Amegy Banking Center. Once you receive email confirmation regarding your wire application, enroll in Enhanced Account Protection (EAP, see page ) or Dual Authorization (see page ).
PAYMENTS TAB: WIRE TRANSFERS To initiate a Wire Transfer:. From the PAYMENTS or SERVICES tab, access Wires>Create USD Wire or to use a template you setup, access Initiate from Template. Complete the USD Wire Transfer form. Fields marked with a * are mandatory. Click Preview and Submit 4
PAYMENTS TAB: ACH & RECIPIENTS ACH is an efficient and convenient way pay employees or make tax payments. Once your business is setup with ACH, you can create a Direct Deposit payment for your employees or set up tax payments. You also have the ability to create payment templates and recipient lists to ease the process of sending regularly recurring payments. See your Banking Officer to find out how to enroll Create Recipient. Go to Payments, Recipient, then click the Create Recipient. Complete the payee information, contact information, recipient type. Click Preview and Submit 5
Create a Direct Deposit or Tax Payment Template. Go to Payments, then Templates. Enter the template name, pay from account, and total maximum payment amount. Add new recipients or select from a list of previously created recipients 4. After selecting the recipients, preview the information and click the submit button 5. Confirmation will display when the ACH Direct Deposit template is added PAYMENTS TAB: TEMPLATES 4 6
Initiate or Schedule an ACH Payment from a Template. Go to Payments, then ACH, then Initiate from a Template. Select the template or create a template. Enter amount of the payment 4. Click preview, then Submit A list of existing and preferred financial institutions with routing numbers, city and states has been provided. The list can be used as a reference when creating recipients. Preferred banks is a list of financial institutions manually entered by the user. PAYMENTS TAB: TEMPLATES & BANKS 7
TRANSFERS TAB: TRANSFERS Create, Edit & View Transfers From the Transfer menu, you can access the Transfer Center to create, edit, and view transfers. Transfer lists are viewable in different tabs, according to scheduled, completed, or all transfers. Other Accounts provides a central place where you view and manage your Transfer-to-Friend Accounts. Transfer-to-Friend accounts are owned by someone else but held at Amegy Bank. You can only transfer to the account. Dual authorization approval can be approved, modified, or declined from this page. 8
ADMIN TAB: CREATE USER Add a New User/Create User The Customer System Administrator (CSA) begins by selecting the Add a New User/Create User link from the Admin tab. Create a Login ID and Temporary Password for the new user. (When logging in the first time, the new user will be required to change his/her password).. Fill in the User s information. Make the status active to allow the user to log in the business profile online. Apply the appropriate security level settings. Business Customer System Administrators, or CSAs, are granted administrator permissions to the business s Online Banking profile. They can add new users, reset passwords, change user entitlements, or delete user profiles. Approvers allow the user to approve activity initiated by other business users. Note: This option is only available when the business is enrolled in Dual Authorization, which is detailed in the Dual Authorization section below. 4. Select user access. 5. Click Save and Continue. 9
ADMIN TAB: USER ENTITLEMENTS Business Online Banking is designed to allow multiple users with multiple access levels. The User Entitlements allows the Customer System Adminstrator (CSA) to manage access given to each user. CSA has the ability to add, modify and delete users. The administrator or CSA creates a Login ID and temporary password for a new user. Please Note: As new accounts are opened, CSAs will need to entitle themselves to view this account and set the entitlement rights for other users. Entitle Accounts There are two levels of customized access that can be set up by a CSA. The first level is configured by selecting the accounts the user should have access to and designating Daily and Transactions Limits.. If user is entitled for Transfer to Friend, then the new user will be able to view and make transfers to the current and future Transfer to Friend accounts for the business.. If the user is granted custom access on any of these accounts, the CSA will define the specific account services for each account on the next page. Click Save and Continue. Custom Account Entitlements The second level of custom entitlements defines access to the different account services for each account. Access can be granted to services under information reporting, payments, templates, and other services.. Select which services the user should have access to for each account. Ust the arrows on the right to expand or collapse the different accounts selected for custom access. 4. When all desired services are selected, click Save and Continue. The customized user is now added to the business profile. 0
ADMIN TAB: ADMINISTER USER ENTITLEMENTS Dual Authorization Dual Authorization is an optional service that enables a company to require TWO business users to approve certain transactions initiated by another user. One business user must make the request and another user must approve the request (Both users must have access to the account). An example is included to demonstrate how to approve changes made to a user profile. (Note: the following only applies to clients who are enrolled in Dual Authorization). An email and/or Info Center alert is sent to an Approver to notify them of any outstanding approvals. The Approver can click on the link within the Info Center to begin approving the activity. From the Admin tab, CSA s can view the users who are designated as an Approver. Users cannot approve their own activity. The Approver reviews the information and User s Access. They have the option to write a memo to the user who originated the request, and can either Reject or Approve the change. A message is sent to the originator s message center confirming the rejection or approval.
SERVICES TAB: SERVICES Other Service Options The Services menu provides you with other online services that are convenient and saves you time. Online service options include requesting copies of checks, statements, and reordering checks.. Account Services Enroll in Enhanced Account Protection (EAP) to add an additional layer of security when performing certain transfer functions. Enroll in Mobile Banking with Bill Pay Access Treasury Gateway. Check Services Reorder checks Request copies of checks, statements, and transactions Place stop payments. Alerts & Messages Set up Mobile Card Fraud Alerts Set up Purchase Alerts 4. Card Services Set up Debit/Credit Card Travel Notifications Enroll in Visa Checkout 5. Learn More Take a Tour of Business Online Banking with Bill Pay 6. My Account Documents Visit our online Agreement Center Opt out of paper statements, notices, and/or tax documents View account statements, notices, and/or tax documents online 6 5 4