Business Online. Quick Reference Guide

Business Online Quick Reference Guide

. All rights reserved. This work is confidential and its use is strictly limited. Use is permitted only in accordance with the terms of the agreement under which it was furnished. Any other use, duplication, or dissemination without the prior written consent of Fiserv, Inc. or its affiliates is strictly prohibited. The information contained herein is subject to change without notice. Except as specified by the agreement under which the materials are furnished, Fiserv, Inc. and its affiliates do not accept any liabilities with respect to the information contained herein and is not responsible for any direct, indirect, special, consequential or exemplary damages resulting from the use of this information. No warranties, either express or implied, are granted or extended by this document. Business Online Quick Reference 2

Table of Contents Logging in to Business Online...4 Employee...5 Employee Accounts...11 Employee Fund Transfer Access...13 Fund Transfers...14 Account and Fund Groups...17 Home Page...19 View Account Information on the Accounts Page...21 Stop Payments...24 Documents...25 Management Tools...26 Positive Pay...28 Review...31 Account Services...32 Secure Mail...33 Business Online Quick Reference 3

Logging in to Business Online You can log in to Business Online using the layered Multifactor Authentication security feature to help prevent unauthorized people from accessing account information. Multifactor Authentication (MFA) is used by Business Online for compliance with the Federal Financial Institutions Examination Council (FFIEC) guidelines when accessing account information electronically (e.g. Internet Banking). The challenge requires clients to prove their identity either by correctly entering a one-time passcode that is sent to their email address, or by correctly answering one or more of the challenge questions selected when they set up the authentication security data. The following security information, set up during an initial login session, is used to protect internet banking sessions: n Access ID n Password n Email address n Computer registration To log in for the first time: Complete the following to log in to Business Online for the first time using a security challenge question. Ensure your institution has emailed or provided you with an Access ID and temporary password. website. The Business Online Log In page 2. Enter your Access ID and click the Log In button. The Business Online Log In page 3. Enter your temporary password and click the Log In button. 4. The first time you log in you are prompted to change your password. Enter your new password. The Multifactor Authentication page 5. Read through the information section. 6. Verify the email address. If this section is blank, enter and confirm your valid contact email address. If the email address is invalid, it can be updated after completing the Layered Authentication enrollment. 7. Enter an answer for the 3 Challenge Questions. The Challenge Questions can be changed by clicking the drop-down list and choosing a different question. Click Submit when done. If you are logging in on a computer other than the computer you enrolled on, you may be asked to answer a security authorization question and select either This is a personal computer. Register it. or This is a public computer. Don t register it. 8. Business Online Note Remember your Access ID and Password to access Business Online. Subsequent Logins: Complete the following to log in to Business Online after you have set up Challenge Questions. website. 2. The Business Online Log In page Enter your Access ID. 3. Click Submit. If you are logging in on a computer other than the computer you enrolled on, you may be asked to answer a security authorization question and select either This is a personal computer. Register it. or This is a public computer. Don t register it. 4. The Password Page is displayed. Enter your password and click the Log in button. Business Online Quick Reference 4

Employee Profile & Permissions is used for all employee maintenance. Profile & Permissions provides you with the ability to inquire, change and delete employees. Add New Employee Complete the following to add employee information. The employee information includes: Name and Security Contact Methods Client Details Security Multifactor Authentication Overrides Account Options Approval Options Limits & Thresholds Bill Payments Positive Pay Options Stop Payments Interface Specifications Electronic Documents Corporate User Account Access Applications Enabled (ACH and Wires) To add a new employee profile and permissions: 2. From the Administration menu, select Profile and Permissions from the Employee section. The Select User Criteria page 3. Select New Employee, click Submit. The New Employee page 4. In the Step 1 Codes section, enter the employee name in the Name field. 5. Select the employee s Security Level as one of the following: Employee - Authorized to change challenge questions, document retrieval, change passwords and view transactions. Supervisor - Authorized for all employee permissions plus view statements and notices, export transactions and e-statements. Administrator - Authorized for all supervisor permissions plus user inquiry and the ability to change supervisors and employees access (e.g. accounts). 6. Select Yes from the Transaction Exports dropdown list to grant the employee authority to export history transactions to another medium. 7. The Status defaults to Active Employee and should remain selected. Contact Methods 8. In the Contact Methods section, enter the employee s email address in the Email Address field. 9. Enter the employee s applicable phone numbers. Business Online Quick Reference 5

Security 10. In the Security section, enter the employee s Access ID in the Access ID field. This cannot be changed once it has been saved. This is the Access ID the user will login with. This cannot be changed after saving. To change an Access ID, delete the user and then add again with the valid Access ID. 11. Click the Change Password link. The Change Password page 12. In the New Password and Confirm Password fields, enter the new password. With the first log in, the employee is prompted to change their password. 13. Click the Submit button. Role Assignment 14. In the Role Assignment section, select a role name from the Role Name drop-down list to assign to the employee. 15. Click the Add Role link to assign an additional role to the employee. Overrides 16. In the Overrides section, select a client-defined Cutoff Group utilized as the override Cutoff Group or select Use Default to utilize the default Cutoff Group from the Cutoff Group Override drop-down list. The Cutoff Group determines the cutoff time for transfers. Any transfers completed after the cutoff time are processed the next business day. Administration Option 17. In the Administration Option section, select applicable check boxes to indicate whether an employee can perform specific functions, such as: Inquiry, New, Change and Delete. If all of the Employee options are not selected, the employee cannot view the Employee menu. If one or more Employee options are selected, the Role specification controls what the employee has access to based on the security level. Employee indicates the employee has rights to inquire, add, change or delete other employees, select each check box that applies. This controls whether a user has access to Employees under the Administration menu. Internal Transfer Template indicates the employee has rights to add, change or delete templates, select each check box that applies. ACH Transfer Template indicates the employee has rights to add, change, or delete templates, select each check box that applies. Wire Transfer Template indicates the employee has rights to add, change, or delete templates, select each check box that applies. This section only displays for employees with a Security Level of Supervisor or higher. Employees with the Employee level security are unable to modify or inquire into administrative options. Approval Options The Review and Approve features can be enabled by contacting your financial institution. 18. From the Approval Options section, select Yes or No from the Review Internal Transfers drop down list, to indicate internal transfers require a review by another employee. Internal transfers must be approved by a corporate user other than the one who initiated the transfer. 19. Select Yes or No from the Review ACH Transfers drop-down list to enable an employee to review internal transfers. 20. Select Yes or No from the Review Wire Transfer drop-down list to enable an employee to review wire transfers. Business Online Quick Reference 6

21. Select Yes or No from the Approve Transfers drop-down list to enable an employee to approve transfer submitted by other employees tied to the corporate client. Fund Transfer Options 22. From the Fund Transfer Option section, select Yes or No from the Inquire Transfers dropdown list for an employee to view fund transfers. 23. Select Yes or No from the Initiate Transfers drop-down list for an employee to initiate fund transfers. Interface Specifications This section is used to establish single sign on capability to other applications. 24. From the Interface Specifications, select the interface product name from the Interface dropdown list (CheckFree). 25. In the Access ID field associated with the interface, enter the employee s login ID. 26. In the Password field associated with the interface, enter WebPay or BizPay for all employees. Electronic Documents 27. From the Electronic Documents section, select the document types (e.g., DDA Onus Debits) the employee can access during Business Online sessions. Employee Account Access 28. From the Corporate User Account section, select one or more of the applicable check boxes to grant the employee access to the associated account(s) or click the Select All link to select all accounts. Applications Enabled 29. From the Application Enabled section, select the ACH, Multi Bank Reporting and/or Wires check boxes to grant the employee access to the associated application(s). 30. Click the Next button. The Accounts Added page 31. The validation process is completed for added accounts. Indicators are: Invalid account number Valid account number 32. Click the Next button once all accounts have been validated. The Step 3 Account Access page is displayed. 33. Select each company the employee should have ACH rights to. 34. In the ACH User - Internal Account Selection section, select the option from the ACH Permission drop-down list to assign account permissions to the employee. Valid options are No Access, ACH Transfer Out, ACH Transfer In, and Full ACH Access. 35. Click the Next button. Wire User 36. The Step 4 - Wires page 37. From the Wire User - Account Selection section, select the option from the ACH Permission drop-down list to assign account permissions to this employee. Valid options are No Access, Full Wire Access, Domestic Wire Transfer, and International Wire Transfer. 38. Click the Finish button. Multi Bank Reporting 39. The Step 5 Multi Bank Reporting page 40. In the Multi Bank Reporting User - Account Selection section, select a check box in the appropriate row to enable an employee access to the account. 41. Click the Finish button. The Success page displays indicating the Employee Created Successfully. Business Online Quick Reference 7

View Employee Information Complete the following to view an employee s information and permissions. To view employee information: 1. From the Administration menu, select Profile and Permissions from the Employee list. 2. The Select User Criteria page 3. Select Inquire Employee. 4. From the Go To drop-down list, select Codes. 5. Enter the employee s name in the Name field. 6. Click the Submit button. If the Employee List displays, select the Name link of the desired employee to view the Employee page. 7. The Employee page displays with details for the employee. To view employee ACH permissions: 8. From the Administration menu, select Profile and Permissions in the Employee list. The Select User Criteria page 9. Select Inquire Employee. 10. From the Go To drop-down list, select ACH. 11. Enter the employee s name in the Name field. 12. Click the Submit button. 17. Enter the employee s name in the Name field. 18. Click the Submit button. If the Employee List displays, select the Name link of the desired employee to view the Employee page. 19. The Wire User page displays with the Employee Wire Permissions for each account. To view employee Multi Bank Reporting permissions: 20. From the Administration menu, select Profile and Permissions in the Employee list. The Select User Criteria page 21. Select Inquire Employee. 22. From the Go To drop-down list, select Multi Bank Reporting. 23. Enter the employee s name in the Name field. 24. Click the Submit button. If the Employee List displays, select the Name link of the desired employee to view the Employee page. 25. The Multi Bank Reporting User page displays with the Employee Multi Bank Reporting permissions for each account. If the Employee List displays, select the Name link of the desired employee to view the Employee page. 13. The ACH User page displays with the Employee ACH Permissions for each internal account. To view employee Wire permissions: 14. From the Administration menu, select Profile and Permissions in the Employee list. The Select User Criteria page 15. Select Inquire Employee option. 16. From the Go To drop-down list, select Wire. Business Online Quick Reference 8

Change Employee Information Complete the following to change an employee s information. To change employee information: 1. From the Administration menu, select Profile and Permissions in the Employee list. The Select Employee Criteria page 2. Select Change Employee. 3. Enter the desired employee name in the Name field. 4. Click the Submit button. If the Employee List displays, click the Name hyperlink of the employee. 5. The Change Employee page Make changes as needed to the employee information. 6. Click the Save button. The Success page displays indicating the Record Updated Successfully. To change employee ACH permissions: 7. From the Administration menu, select Profile and Permissions in the Employee list. The Select Employee Criteria page 8. Select Change Employee. 9. From the Go To drop-down list, select ACH. The ACH User page 10. Make changes as needed to the employee information. 11. Click the Save button. If the Employee List displays, select the Name link of the desired employee. 17. The Wire User page 18. Make changes as needed to the employee information. 19. Click the Save button. To change employee Multi Bank Reporting permissions: 20. From the Administration menu, select Profile and Permissions in the Employee list. The Select Employee Criteria page 21. Select Change Employee. 22. From the Go To drop-down list, select Multi Bank Reporting. 23. Enter the employee s name in the Name field. 24. Click the Submit button. If the Employee List displays, select the Name link of the desired employee. 25. The Multi Bank Reporting User page 26. Make changes as needed to the employee information. 27. Click the Save button. To change employee wire permissions: 12. From the Administration menu, select Profile and Permissions in the Employee list. The Select Employee Criteria page 13. Select Change Employee. 14. From the Go To drop-down list, select Wires. 15. Enter the employee s name in the Name field. 16. Click the Submit button. Business Online Quick Reference 9

Delete an Employee Complete the following to delete an employee. The employee and all information associated with the employee are removed. To delete an employee: 1. From the Administration menu, select Profile and Permissions in the Employee list. The Select User Criteria page 2. Select the Delete Employee button. Step 4 - Codes 1. Click Finish. 2. Are you sure you want to Delete this Codes Employee? 3. Click OK. The Success page displays indicating the record updated successfully. To remove only ACH or Wire access to accounts, select the desired option from the Go To drop-down list. To completely remove the employee, select Codes. 3. Enter the name of the desired employee to delete in the Name field. 4. Click the Submit button. The Delete Employee page Step 1 - Wires 1. Click Next. 2. Are you sure you want to Delete this Wire Employee? 3. Click OK. Step 2 - ACH 1. Click Next. 2. Are you sure you want to Delete this ACH Employee? 3. Click OK. Step 3 - Multi Bank Reporting 1. Click Next. 2. Are you sure you want to Delete this Multi Bank Reporting Employee? 3. Click OK. Business Online Quick Reference 10

Employee Accounts Access the Corporate Employee Account List by selecting Accounts from the Administration menu under Business. Access to specific functionality may be changed at any time. The following functions are available from the Corporate Employee Account list page. Access the Business Account List page from the Administration menu by selecting Accounts from the Business list. This page includes: n Account Number n Account Type n Account Nickname n Change tool bar button Add Account Access Complete the following to grant an employee access to an account. Repeat this process when an account is added to grant access to the employee. To add account access for an employee: website and log in. 7. Select the Add check box associated with the desired account to grant access to the employee. 8. Click the Submit button. The New User Account Access page displays with a check mark in the Status column indicating the employee now has access to the account. 9. Click the Done button. 2. Business Online 3. From the Administration menu, select Accounts from the Employee section. The Select Corporate Employee Account Criteria page 4. Enter the Access ID or the Employee Name for the desired employee in the associated field. Or, leave the Access ID and Employee Name fields blank to select the desired user name hyperlink from the Corporate Employee List page. 5. Click the Submit button. The Corporate Employee List page 6. Select the user name to view the employee information. The Corporate Employee Account List for the selected name The Account Number link provides access to the Inquire Corporate User Account page. If an Account Number link is selected the add function is discontinued. Business Online Quick Reference 11

View or Change Account Access Complete the following to view access to an account. To view or change employee access to an account: 1. From the Administration menu, select Accounts from the Employee section. The Select Corporate Employee Account Criteria page 2. Enter the Access ID or the Employee Name for the desired employee in the associated field. 3. Click the Submit button. The Corporate Employee Account List for the selected name 4. Locate the desired account to delete and click associated with the account. 5. Click the Submit button. The Deleted Account will be listed under Deleted User Account Access with a Status of. Click Done. Or, leave the Access ID and Employee Name fields blank to select the desired user name hyperlink from the Corporate Employee List page. 3. Click the Submit button. The Corporate Employee Account List for the selected employee 4. If desired, select for the appropriate account to update. The Change Corporate User Account page 5. Update the appropriate sections. 6. Locate the desired field(s) and select a new value(s) from the associated drop-down list. 7. Click the Save toolbar button. The Success page displays indicating the record updated successfully. Delete Account Access Complete the following to remove employee access to an account. To delete account access for an employee: 1. From the Administration menu, select Accounts from the Employee list. The Select Corporate Employee Account Criteria page 2. Enter the Access ID or the Employee Name for the desired employee in the associated field. Or, leave the Access ID and Employee Name fields blank to select the desired name hyperlink from the User Name column on the Corporate Employee List page. Business Online Quick Reference 12

Employee Fund Transfer Access The Fund Transfer Template provides the ability for authorized employees to establish new or modify existing Fund Transfer Templates. To view an employee s account access: 2. From the Administration menu, select Inquire Fund Transfer Access from the Employee section. The Inquire Employee Fund Transfer Access page 3. Select Name and enter the desired employee name in the Name field. Only the fund transfers available to you display. 6. Make changes as needed for the employee. 7. Click the Submit button. A confirmation message Or, select All to display the Results for All section. 4. Click the Submit button. If a Results List displays, select the Name hyperlink for the desired employee. 5. The Inquire Employee Fund Transfer Access page Only the fund transfers available to you display. To change an employee s account access: 1. From the Administration menu, select Change Fund Transfer Access from the Employee section. The Change Employee Fund Transfer Access page 2. Select Name and enter the desired employee name in the Name field. 3. Or, select All to display the Results for All section. 4. Click the Submit button. If a Results List displays, select the Name hyperlink for desired employee. 5. The Change Employee Fund Transfer Access page Business Online Quick Reference 13

Fund Transfers Complete the following to add or modify a new internal fund transfer template. Internal, ACH in, ACH out, domestic wire, international wire, tax payment, bill payment and Multi Bank Reporting fund transfer templates may be used to transfer funds from one account to another quickly and accurately, and they may be updated by designated employees at any time. In addition, several different internal fund transfer templates may be set up to transfer funds using different accounts and/or different amounts. Templates may include the following information: Transfer Description From Account To Account Default Amounts Frequency of Transfer Default Instructional Message Add Fund Transfers Use procedures to fund transfers. To add a new fund transfer template: 2. From the Administration menu, select Add Template from the Fund Transfer list. The New Fund Transfer Template page 3. Select a transfer type for the template from the Fund Transfer Type drop-down list. 4. Click the Submit button. Internal Fund Transfer is used as an example only. 5. The New Fund Transfer Template page 6. In the Fund Transfer Template section, select the predefined group to identify the fund transfer template from the Group drop-down list. 7. Enter a description for the new fund transfer template in the Transfer Description field (maximum 20 characters). 8. Select additional review requirements necessary for the transfer to occur from the Review Required drop-down list. 9. In the From section, select an account nickname from the Account Nickname drop-down list from which to transfer funds. 10. In the From section, enter the Routing Transit number of the donor account s financial institution in the Institution Routing/Transit field. This may default in. 11. In the From section, select the account type for the donor account from the Account Type dropdown list. This may default in. 12. In the From section, enter the donor account number in the Account Number field. This may default in. 13. In the To section, select an account nickname from the Account Nickname drop-down list to which to transfer funds. 14. In the To section, enter the Routing Transit number of the receiving account s financial institution in the Institution Routing/Transit field. This may default in. 15. In the To section, select the account type for the receiving account from the Account Type dropdown list. This may default in. 16. In the To section, enter the receiving account number in the Account Number field. This may default in. 17. In the Defaults section, enter the default amount for the fund transfer template in the Default Amount field. The additional amounts (e.g., minimum amount) are optional and are not required to add a fund transfer template. In addition, it can be overridden when issuing the fund transfer. Business Online Quick Reference 14

18. Enter the increment amount allowed for the fund transfer template in the Amount Increments field. 19. Enter the minimum amount allowed for the fund transfer template in the Minimum Amount field. 20. Enter the maximum amount allowed for the fund transfer template in the Maximum Amount field. 21. In the Automatic Transfer section, select the frequency of the fund transfer from the Frequency drop-down list. This value is optional and it is not required to add a fund transfer template. 22. Enter the number of fund transfers after the first transfer is issued in the Number of Remaining Transfers field. This value is optional and it is not required to add a fund transfer template. 23. In the Default Message section, enter specific information to display when an employee inquiries into a transfer in the Instructions field. 24. Click the Submit button. A confirmation message page Add a New Fund Transfer Template Using an Existing Template From the Fund Transfer options in Administration a new template may be added using an existing template to streamline the process. To add a new fund transfer using an existing template: 1. From the Administration menu, select Add Using Template from the Fund Transfer list. The Add Fund Transfer Template Using Fund Transfer Template page 2. Select the All option to display a Results List for all templates or Select a Fund Transfer Group from the Fund Transfer Group drop-down list or Enter the name of an existing template to copy in the Transfer Description. 3. Click the Submit button. Internal Fund Transfer is used as an example only. 4. A Results List 5. Click the desired Template hyperlink. The Add Fund Transfer Template Using Fund Transfer Template details page 6. In the Fund Transfer Template section, enter a description for the new fund transfer template in the Transfer Description field. 7. Select additional review requirements necessary for the transfer to occur from the Review Required drop-down list. 8. In the From section, select an account nickname from the Account Nickname drop-down list from which to transfer funds. 9. In the From section, enter the routing transit number of the donor account s financial institution in the Institution Routing/Transit field. This may default in. 10. In the From section, select the account type of the donor account in the Account Type dropdown list. This may default in. 11. In the From section, enter the donor account number in the Account Number field. This may default in. 12. In the To section, select an account nickname from the Account Nickname drop-down list to which to transfer funds. 13. In the To section, enter the routing transit number of the receiving account s financial institution in the Institution Routing/Transit field. This may default in. 14. In the To section, select the account type of the receiving account in the Account Type dropdown list. This may default in. 15. Enter the To account number in the Account Number field. This may default in. 16. In the Defaults section, enter the default amount for the fund transfer template in the Default Amount field. The additional amounts (e.g., minimum amount) are optional and are not required to add a fund transfer template. In addition, it can be overridden when issuing the fund transfer. Business Online Quick Reference 15

17. Enter the increment amount allowed for the fund transfer template in the Amount Increments field. 18. Enter the minimum amount allowed for the fund transfer template in the Minimum Amount field. 19. Enter the maximum amount allowed for the fund transfer template in the Maximum Amount field. 20. In the Automatic Transfer section, select the frequency of the fund transfer from the Frequency drop-down list. This value is optional and it is not required to add a fund transfer template. 21. Enter the number of fund transfers after the first transfer is issued in the Number of Remaining Transfers field, if desired. This value is optional and it is not required to add a fund transfer template. 22. In the Default Message section, enter specific information to display when an employee inquiries into a transfer in the Instructions field. 23. Click the Submit button. A confirmation message Change a Fund Transfer Template Complete the following to change an existing fund transfer template. To change an existing fund transfer template: 1. From the Administration menu, select Change Template from the Fund Transfer list. The Change Fund Transfer Template page 2. Select the All option to display a Results List for all templates or Select a Fund Transfer Group from the Fund Transfer Group drop-down list or Enter the name of an existing template to copy in the Transfer Description. 3. Click the Submit button. Internal Fund Transfer is used as an example only. 4. A Results List 5. Click the desired Template hyperlink. The Change Fund Transfer Template details page 6. Make changes as needed. 7. Click the Submit button. A confirmation message Delete a Fund Transfer Template Complete the following to delete an existing fund transfer template. To delete a Fund Transfer Template: 1. From the Administration menu, select Delete Template from the Fund Transfer list. The Delete Fund Transfer Template page 2. Select the All option to display a Results List for all templates or Select a Fund Transfer Group from the Fund Transfer Group drop-down list or Enter the name of an existing template to copy in the Transfer Description. 3. Click the Submit button. Internal Fund Transfer is used as an example only. 4. A Results List 5. Select the Delete checkbox associated with the desired template to delete. 6. Click the Submit button. A confirmation message Business Online Quick Reference 16

Account and Fund Groups Complete the following to view existing account groups. Account Groups may be updated at any time to help users recognize their accounts. View an Account Group Complete the following to view existing account groups. To view an account group: 2. From the Administration menu, select Inquire Account Group from the Groups list. The Inquire Account Group page displays with the list of account groups in the Display Sequence section. Add, Change or Delete an Account Group Complete the following to change an account group. Account Groups may be updated at any time to help users recognize their accounts. 1. From the Administration menu, select Change Account Group from the Groups list. The Change Account Group page To add a new account group: 2. Enter a description for the new account group in the Group Description field. 3. Click the Add button. The new Account Group displays in the Display Sequence section. 4. Click the Submit button. 5. Click the Up or Down buttons to change the order of appearance, as needed. 8. Click the Change button. The updated account group displays in the Display Sequence section. 9. Click the Up or Down buttons to change the order of appearance, as needed. To delete an account group: 10. Select the desired Account Group to delete from the Display Sequence section. The selected Account Group displayed in the Group Description field. 11. Click the Delete button. The Account Group is removed from the Display Sequence section. View a Fund Transfer Group Complete the following to view existing fund transfer groups. Fund transfer groups may be updated at any time to help users recognize their fund transfers. To view a fund transfer group: 1. From the Administration menu, select Inquire Fund Transfer Group from the Groups list. The Inquire Fund Transfer Group page displays with the list of fund transfer groups in the Display Sequence section. To change the name of an existing account group: 6. Select the desired account group from the Display Sequence section. The selected account group displays in the Group Description field. 7. Enter the new name in the Group Description field. Business Online Quick Reference 17

Add, Change or Delete a Fund Transfer Group Complete the following to add a new fund transfer group or change or delete an existing fund transfer group. Fund transfer groups may be updated at any time to help users recognize their fund transfers. 1. From the Administration menu, select Change Fund Transfer Group from the Groups list. The Change Fund Transfer Group page To add a new fund transfer group: 2. Enter a description for the new fund transfer group in the Group Description field. 3. Click the Add button. The new fund transfer group displays in the Display Sequence section. 4. Click the Submit button. 5. Click the Up or Down buttons to change the order of appearance, as needed. To change the name of an existing fund transfer group: 6. Select the desired fund transfer group from the Display Sequence section. The selected fund transfer group displays in the Group Description field. 7. Enter the new name in the Group Description field. 8. Click the Change button. The updated fund transfer group displays in the Display Sequence section. 9. Click the Up or Down buttons to change the order of appearance, as needed. To delete an existing fund transfer group: 10. Select the desired fund transfer group to delete from the Display Sequence section. The selected fund transfer group displays in the Group Description field. 11. Click the Delete button. The fund transfer group is removed from the Display Sequence section. Business Online Quick Reference 18

Home Page The Home Page provides immediate access to balance and transaction information and the ability to issue internal, ACH and wire transfers, combining these commonly-used functions on one convenient page. This new integrated landing page provides access to key functions such as transfer management tools for reviewing and approving transactions, immediate transfer capabilities for internal and external transfers, up-to-date balances of corporate accounts and more. View a Company Overview website and log in. Favorite Accounts Section The Favorite Accounts section displays accounts defined as favorite accounts. Select the Group toggle to view Accounts by Group. The Favorite Accounts section of the Home Page includes: Edit button Customer Account Balances to include favorite accounts. Account Nickname Click an Account Nickname link to display the Account Information page. Current Balance Available Balance To select favorite accounts to display in the Favorite Accounts section of the Home Page: 1. Select the Edit button in the Favorite Accounts section. The Edit Favorite Accounts page 2. From the Account list, select the star icon next to the account to display in the Favorite Accounts section. 3. Click the Up or Down arrow buttons to reorder the selected accounts. 4. Click the Save button to complete the update of selected favorite accounts in the Favorite Account section. To view all accounts, click the Show all accounts hyperlink. Transaction Preview The accounts displayed in the Favorites or Groups section of the Home page are expanded to access a preview of the fifteen most recent transactions for the account. Expanding a favorite or grouped account enables those with review permissions to quickly review a recent transaction in the current statement period at any time without navigating from the Home Page. To view transactions for Favorite or Group Accounts: 1. On the Home Page, click the expand icon to the left of the Account Nickname in the Favorite Accounts or Groups section to display the transactions. Review Transfers The Review Transfers section of the Home Page enables those with sufficient review permissions to monitor transactions awaiting review and change the status of pending transfers. Fund, file, ACH and wire transfers can be updated in the Review Transfers section. To review transactions using the Review Transfers section: 1. On the Home Page, in the Review Transfers section displays the transfers. 2. Locate a transfer, select the status from the Status drop-down list and click the Submit button. Business Online Quick Reference 19

Issued Transfers The Issued Transfers section offers seamless and secure transfer monitoring without navigating from the Home Page. The Issued Transfers section enables those with permissions to quickly view an upcoming transaction, modify or delete the issued transactions. Upcoming transfer information includes: Date (Optional) Description Status Amount To view issued transfers on Home Page: 1. On the Home Page, click the Issued toggle in the Review Transfers section of the Home Page. Quick Launch The Quick Launch section provides convenient access to Bill Payment and Remote Deposit Capture at the time of login. Launching Bill Payments from the Quick Launch is used as an example. 1. On the Home Page, click the Bill Payments hyperlink from the Quick Launch section. The window Transfer Funds The Transfer Funds section provides a convenient way to issue Internal Fund transfers, ACH and Wire transfers without leaving the Home Page. Everything is conveniently located in one, secure location. To ensure transfers are accurate, a Begin Transfer button is available to review the information before proceeding with the transfer. Transfer types include: Internal ACH Wire Internal transfer is used as an example only. 1. On the Home Page, select the Internal tab in the Transfer Funds section. 2. Select a template from the Template drop-down list. If a template does not display, click the Go to Transfer List hyperlink at the bottom of the Quick Transfers section to display the Transfer Funds List page. 3. Select the account to transfer funds out of from the From Account drop-down list. 4. Select the account to transfer funds into from the To Account drop-down list. Depending on the template chosen the From Account and To Account drop-down lists may be locked. 5. Enter the Amount of the transfer. 6. Enter the Transfer Date. 7. Enter the Handling Instructions, if applicable. 8. Click Begin Transfer to verify the transfer information. 9. Click Transfer Funds to schedule the transfer. The confirmation number and status 10. Click the Done button to issue an additional internal transfer. Business Online Quick Reference 20

View Account Information on the Accounts Page The Accounts menu provides quick, convenient access to account information that is effectively managed and organized through the Accounts page. Corporate customers can quickly access additional account information for an account by selecting the desired Account Nickname hyperlink from the Accounts menu. The information that displays depends on the type of account selected. For example, a deposit account inquiry displays account balance information and transactions. A loan account inquiry displays account payment and balance information and transactions. The display of account numbers is determined by an Administrator. Accounts Page The Accounts page displays account balance and transaction information. To view the Accounts page: 2. From the Accounts menu, select the desired Account Nickname. The Accounts page displays account and transaction information. Account Information Balance information is included in the Account Information section on the Accounts Page. To view detailed account information: 2. From the Accounts menu, select the desired Account Nickname. The Accounts page displays account and transaction information. 3. In the Account Information section, click the Details toggle. Detailed balance, interest and balance history Transactions Detailed transaction information is included in the Account Information section on the Accounts Page. To view the transaction information: 2. From the Accounts menu, select the desired Account Nickname. The Accounts page displays account and transaction information. 3. In the Transactions section, sort transactions by date, description, debit or credit. 4. Click the Next button to browse multiple pages of transactions. Search for a Transaction Complete the following to search for a specific transaction or a range of transactions. Transaction information can be categorized by type, date, amount or number. Any or all of these search criteria can be used to narrow the generated list of transactions. To complete a transaction search: 2. From the Accounts menu, select the desired Account Nickname. The Accounts page displays account and transaction information. 3. In the Search Transaction section, optionally select a specific period to search by selecting Custom Date Range from the Date Range dropdown list. Enter the Start Date and End Date. 4. If desired, select the type of transaction to search for from the Transaction Type dropdown list. 5. To search by amount, enter the specific amount to search in the Amount or Range or Transaction Number or Range field to search for a transaction with a specific amount or transaction number. 6. If desired, select click the Export as CSV button or select the Change export format hyperlink to change the export file format type. Options are based on financial institution offerings. Or, if exporting is not desired, click the View Transactions button. 7. The Transactions section is updated with the transactions that meet the search criteria entered. Business Online Quick Reference 21

To view an account s current business day transactions: To view an account s last statement transactions: 2. From the Accounts menu, select the desired Account Nickname. The Accounts page displays account and transaction information. 3. In the Search Transaction section, select Current Business Day from the Date Range drop-down list. 4. Click the View Transaction button. The Transaction section is updated with the transactions that meet the search criteria entered. To view an account s current activity transactions: 2. From the Accounts menu, select the desired Account Nickname. The Accounts page displays account and transaction information. 3. In the Search Transaction section, select Current Activity from the Date Range drop-down list. 4. Click the View Transaction button. The Transaction section is updated with the transactions that meet the search criteria entered. To view an account s previous business day transactions: 2. From the Accounts menu, select the desired Account Nickname. The Accounts page displays account and transaction information. 3. In the Search Transaction section, select Previous Business Day from the Date Range drop-down list. 4. Click the View Transaction button. The Transaction section is updated with the transactions that meet the search criteria entered. 2. From the Accounts menu, select the desired Account Nickname. The Accounts page displays account and transaction information. 3. In the Search Transaction section, select Last Statement from the Date Range drop-down list. 4. Click the View Transaction button. The Transaction section is updated with the transactions that meet the search criteria entered. View or Chart All Transactions All Transactions is only available to financial institutions using Activity Manager. The Spending Report is an easy-to-understand financial management tool that provides your business with a snapshot of your spending activity. With the click of a button, transactions display in various categories in a colorful pie chart, enabling you to see at a glance how you spend your money. The financial institution defines the pie chart categories and the descriptions associated with each category (Mortgage, Household Expenses, Utilities, etc.). To view or chart all transactions: 2. From the Accounts menu, select the desired Account Nickname. The Accounts page displays account and transaction information. 3. In the Transaction Archive section, select Launch Archive. The Transaction Activity page 4. From the Account drop-down list, select the desired account to chart. 5. From the Search For drop-down list, select desired account information. Business Online Quick Reference 22

6. Click the Go to Advanced Search button and perform the following steps to search for transactions that match a more detailed set of search criteria: From the Account drop-down list, select the desired account to chart. Click the desired Calendar buttons next to the From and To fields and select the first and last dates in the date range of the transactions to display. In the Amount Range fields, enter a desired dollar amount range (low to high) of the transactions to display. In the Check Number fields, enter a desired check number range (low to high) of the transactions to display. In the Sort By and Then By drop-down lists, select the first and second fields on which to sort the transactions. From the Transactions Per Page drop-down list, select the desired number of transactions to display on each page. Click the Report button. 7. If transactions exist that match the specified criteria, two color-coded pie charts display. 8. The Spending Report charts expense transactions, and the Income Report charts income transactions. To print the Spending Report and the Income Report, click the Printer toolbar button. Business Online Quick Reference 23

Stop Payments Some transactions can be stopped through Business Online. The Stop Payments menu displays on the Account Information page and includes access to: Stop Payment Issue Stop Payment Menu Stop Payment Search To issue a stop payment: 2. From the Accounts menu, select the desired account for which to issue the stop payment. The Account Information page 3. From the Stop Payments menu, select Stop Payment Issue. The New Stop Payment page 4. Select a Single Check stop payment or a Range of Checks stop payment. 5. Select Check from Item Type drop-down list. 6. Enter the date of the item in the Item Date field. 7. Enter the check number or a range of check numbers in the Number field. 8. Enter the amount in the Amount field and, if applicable, also enter an ending amount for a range in the Through field. 9. Enter the payee in the Payee field. 10. Enter the reason for the stop payment in the Reason field. 11. Enter any special information about the stop payment in the Comments field. 12. Click the Next button. The New Stop Payment Review page 13. Review all information and, if correct, click the Submit button; otherwise, click the Back button to make changes. Stop Payment Search Complete the following to view an existing stop payment. Stop payment information includes: Account Number Item Date Item Number Stop Payment amount or amount range To view an existing stop payment: 2. From the Accounts menu, select the desired account from which to search. The Account Information page 3. From the Stop Payments menu, select Stop Payment Search. The Stop Payment Search page 4. Enter the information to search by. Leave search criteria blank to search for all stop payments. 5. Select the option to sort by. 6. Click the Submit button. The Stop Payments Search results page Stop Payments Menu The Stop Payments menu provides access to both the Issue Stop Payment and Search Stop Payment from one page. To search for, view and issue a stop payment: 1. From the Accounts menu, select the desired account from which to search. The Account Information page 2. From the Stop Payments menu, select Stop Payment Menu. The Stop Payment Menu page 3. Select and enter information as desired. Business Online Quick Reference 24

Documents Select Document Available to view account statements. To search for account statements, define the search criteria and data range and then a list of available statements are displayed. To view statement documents: The Documents Available page in Business Online enables you to search for available account statements. 1. Move the mouse pointer over the Accounts menu and select the appropriate account number. The Account information page 2. Click on Documents. The Document Search page 3. Select the appropriate account from the Account drop-down list. 4. Select the appropriate document type (e.g., DDA Statements) available in the Document Type drop-down list. 5. Select the appropriate dates by clicking on the calendar icons from the Date Range to search for a list of documents within the specified dates. 6. Click the Submit button. The available documents display. 7. Select the appropriate account statement hyperlink to view the online statement. The statement opens in a new browser window. 8. When finished, close the browser. Business Online Quick Reference 25

Management Tools Management Tools provide access to ACH Manager and Wire Manager applications, transfer lists, bill payments associated with the employee, detailed information on outgoing and incoming ACH and wire transfers, fund transfer inquires and Positive Pay functionality. The Management Tools menu options are based on the employee permissions and the menu options may vary according to the products licensed by the institution. ACH Manager The ACH Manager menu provides convenient single sign-on access to ACH Manager. To access ACH Manager: 1. Access Business Online from your institution's website and log in. Business Online Displays. 2. From the Management Tools menu, select ACH Manager. The Select External Transfer Criteria page displays with the Inquire ACH Transfer option selected. For additional information on how to use ACH Manager, refer to the ACH Manager Quick Reference Guide. Wire Manager The Wire Manager menu provides convenient single sign-on access to Wire Manager. To access Wire Manager: 1. From the Management Tools menu, select Wire Manager. The Select Wire Transfer Criteria page displays with the Inquire Wire Transfer option selected. For additional information on how to use Wire Manager, refer to the Wire Manager Quick Reference Guide. Internal Transfers The Transfer List includes a list of fund transfers that each employee has permission to issue. Complete the following to transfer funds from one account to another. These accounts must have the same account ownership and be accessed by the same Access ID. To transfer internal funds: 1. From the Management Tools menu, select Transfer List. The Fund Transfer Lists page Select a template from the Transfer Description list. Depending on the template selected some fields may be fixed. 2. Enter the desired date for the transfer in the Transfer Date field. 3. Enter the desired amount in the Transfer Amount field. 4. Select a payment type from the Payment Type drop-down list. 5. From the From Account Nickname drop-down list, select the account from which to transfer funds. 6. From the To Account Nickname drop-down list, select the account to which to transfer funds. 7. Enter specific Handling Instructions, if applicable. 8. Click the Submit button to schedule the transfer. A confirmation message To set up multiple transfers: 1. To establish multiple transfers in a fund transfer, click the Add Transfer button. 2. When finished adding transfers click the Submit All button. Transfers initiated using Batch Transfer Mode are processed as usual and not batched. 3. A confirmation page Business Online Quick Reference 26

View or Update a Transfer Status The Transfers Issued section provides an immediate overview of fund transfers issued, sorted by group, prior to the end of the processing day and the ability to quickly modify and delete issued fund transfers. Complete the following to view the status of a transfer from one account to another. The Current Status types include: Approved Disapproved Pending Approval Pending Administrator Approval Pending Supervisor Approval Processed Bill Payments Bill Payment gives customers an efficient alternative to checks and postage by automatically generating payments authorized electronically. Customers are encouraged to use the service, centralizing their funds for payment and control. Customers also appreciate the convenience of no more writing checks, addressing envelopes and buying stamps to pay bills. Payments can be initiated day or night from home or the office. To access bill payments: 1. From the Management Tools menu, select Bill Payments from the Funds Management list. The Bill Payments window To view or update the current status of a transfer: 1. From the Management Tools menu, select Transfer Issued from the Funds Management list. The Fund Transfers Issued page displays with the transfer description, current status, employee name, transfer date and transfer amount for each transfer. For detailed information on a specific scheduled transfer, select the Transfer Description link from the Transfer Description column. 2. The Funds Transfer Detail page 3. Click the Edit or Delete hyperlink to the right of the transfer as needed. Business Online Quick Reference 27

Positive Pay Positive Pay is a risk management solution that provides the ability to monitor and combat fraudulent activity with robust positive pay procedures. This browser-based system supports item inquiry, item maintenance, item review and import capabilities. With transaction verification for exceptions, such as duplicate transactions, amount or check number mismatches and amount threshold, Positive Pay offers a comprehensive means for preventing fraudulent activity. Items can be added to Positive Pay in two (2) ways: manually (Item by Item) or using an Import Template to import Reconciliation or Issue files that are manually or automatically created using various accounting programs. To Manually Enter an Item: 1. Access Business Online from your Institution s website and log in. Business Online Displays. 2. From the Management Tools menu, select Overview from the Positive Pay section. The Positive Pay Overview page 3. Select an Account from the drop down in the Add an Item section. 4. Enter the following as appropriate: Check Number, Issue Date, Amount, Payee and Type (Issue or Void). 5. Click the Submit button. The Item was Updated Successfully message will be displayed. To Import Items using an Import Template: A Reconciliation or Issue file must be available before an Import Template can be created. To Create an Import Template: 1. Export a Reconciliation or Issue file from the accounting program that is utilized. 2. Open the file in Notepad. (It will be needed in step 9 below.) 3. Access Business Online from your Institution s website and log in. Business Online Displays. 4. From the Management Tools menu, select Overview from the Positive Pay section. The Positive Pay Overview page 5. Click the Add Template hyperlink from the File Template List section. 6. Attach File: Click the Browse button and browse to the Reconciliation or Issue file created in Step 1. 7. Import Attached File: Choose Yes or No depending on whether or not you want to import the file that is attached. 8. Template Name: Provide a name for the template. 9. Number of Header Rows: Enter the number of header rows in the attached file. View the file opened in Step 2 above to determine this. Header rows are rows that contain information that help identify the content of a particular file or the records below it. 10. Input Decimals into Amount: Choose Yes or No. View the file opened in Step 2 above to determine this. Yes- indicates two decimal places are assumed for the last two digits of the amounts in the import file. Ex: 12345 is really 123.45. Noindicates decimal places are not assumed for the last two digits of the amounts in the import file. Ex: 12345 is really 12345.00. 11. Text Qualifier: Choose None, or as necessary. View the file opened in Step 2 above to determine this. A text qualifier is a symbol surrounding a series of characters identifying them as text. Noneindicates the text is not qualified by a symbol indicates quotes surround the text. indicates apostrophes surround the text. Business Online Quick Reference 28

12. File Format: Choose or enter the appropriate format of the file. View the file opened in Step 2 above to determine this. Fixed Width- indicates a file format where fields are aligned in fixed width. Tab Delimited indicates a file format where there is a tab that separates data fields. Space Delimited indicates a file format where a space separates data fields. The Blank option is chosen for file formats that use another character, such as a comma, to separate data fields. If using this option, enter the character in the text box. 13. Click Next. The Map Data from Imported File screen 14. Using the file opened in Step 2 above, select the appropriate Data Type from the drop down for each column listed. Data Types are Account Number, Amount, Check Number, Item Type Code, Issue Date and Payee. 15. Click Next. The Assign Values screen 16. Place a check in the Prompt on Import Box for Issue Date to override all Issue Dates contained in the file with the value you enter when prompted. Place a check in the Prompt on Import Box for Item Type Code to override all Item Type Codes contained in the file with the assigned value (Issue or Void) you select from the drop down. 17. Click Create Template. If you chose Import Attached File in Step 7 above the file will now be imported. If not, you will receive the message Template was successfully created. If you chose to be prompted in Step 16 you will be prompted to enter the values. You will receive the message Template was successfully created and the file was successfully imported. To import a file: Locate and import files containing issued payments for Positive Pay. 1. From the Management Tools menu, select Overview under the Positive Pay section. Choose Import a File. The Import a File page 2. Click browse to locate the file. Select the appropriate template and click Next. 3. If the Data Mapping box displays, select the appropriate value from the drop-down box. 4. Click the Import File button. The successful import message confirms the import. To inquire in to a file import template: Select Inquire File Import Template in the Positive Pay sub menu from the Management Tools menu to view details of an existing template. 1. From the Management Tools menu, select Overview from the Positive Pay section. Click Import Templates. 2. Select the hyperlink for the Template to view. 3. View the template. To change a file import template: Select Change File Import Template in the Positive Pay sub menu from the Management Tools menu to modify the details of an existing template. 1. From the Management Tools menu, select Overview from the Positive Pay section. Click Import Templates. 2. Click the Edit button next to the appropriate template. 3. Modify the template. Click Next to get to the second and third pages. Click Save Changes. To delete a file import template: Select Delete File Import Template in the Positive Pay sub menu from the Management Tools menu to delete an existing template. 1. From the Management Tools menu, select Overview from the Positive Pay section. Click Import Templates. 2. Click the Delete button next to the appropriate template. 3. Click OK at the prompt. Business Online Quick Reference 29

Item Review Displays items for review and enables modification of whether further action is required. Items are displayed by account number, check number, issue date and amount To review items: 1. From the Management Tools menu, select Item Review. The Item Review page 2. In the Search section, search for the items by choosing the account from the Account Nickname drop-down list, and then sort by either the Account Nickname, Amount, Transaction Date or Transaction Number. 3. Click Submit to move to the next page. If no values are selected, all items from all accounts are retrieved when the Submit button is clicked. The Presented Items Requiring Authorization page 4. Select an Action value to either approve or disapprove each item. The Exception Reason displays why the item is under review. To change an item: The Change Item option enables users to modify a single issue to a file. 1. From the Management Tools menu, select Change Item. The Change Item page 2. Enter the search criteria and click the Submit button. 3. Once the item is found, click on the Change check box and make the necessary change. Click on the Submit button at the bottom to save the change. To delete an item: The Delete Item option enables users to delete a single issue to a file. 1. From the Management Tools menu, select Change Item. The Change Item page 2. Enter the search criteria and click the Submit button. 3. Once the item is found, select the Delete check box to delete the item. Business Online Quick Reference 30

Review The Review menu enables employees with review permissions to review bill payments, fund transfers, wire transfers and file transfers. With appropriate permissions, you can approve or disapprove a transfer or bill payments, view transfer details, handling instructions and addenda information. For any transfer or bill payment, you can click the Transfer Description hyperlink to view information about a specific fund transfer. To review fund transfers: The Fund Transfer Review List displays fund transfers associated with the client pending client approval. Only employees with appropriate permissions may review transfers within the Fund Transfer Review List. 1. From the Review menu, select Fund Transfer Review. The Fund Transfer Review page 2. Locate the fund transfer to review and select either Approved or Disapproved from the New Status drop-down list. 3. Click the Submit button. The Fund Transfer Review List Confirmation page displays, confirming the fund transfer is approved or disapproved. To review a file transfer: The File Transfer Review Inquiry allows for the review of specific file transfer information. Only employees with appropriate permissions may review transfers within the File Transfer Review List. 1. From the Review menu, select File Transfer Review. The File Transfer Review page 2. Locate the file transfer to review and select either Approved or Disapproved in the New Status drop-down list. 3. Click the Submit button. 4. The Fund Transfer Review List Confirmation page displays, confirming the fund transfer is approved or disapproved. To review a wire transfer: The Wire Transfer Review displays wire transfers pending client approval. Only appointed employees may review wire transfers within the Wire Review. 1. From the Review menu, select Wire Transfer Review. The Wire Transfer Review page Locate the Wire Transfer to review and select either Approved or Disapproved in the New Status drop-down list. 2. Click the Submit button. The Wire Transfer Review List Confirmation page displays, confirming the wire transfer is approved or disapproved. Business Online Quick Reference 31

Account Services The Account Services menu enables an employee to change their existing password, their primary account, modify the security challenge information, enroll in Mobile Money or Merchant Capture or estatements and view alerts. Change Password Complete the following to change your user password. Passwords must be at least 8-17 characters, including alphabetic and numeric characters. Each password must contain at least one number, one upper case letter, one lower case letter and one special character. Alphabetic characters are case sensitive. Users are prompted to change their password every 90 days. Past passwords may be reused. To change your password: 1. From the Account Services menu, select Change Password. The Change Password page 2. Enter your current password in the Current Password field. 3. Enter a new password in the New Password field. 4. Enter your new password again in the Confirm New Password field. 5. Click the Submit button. The Home Page Change Security Data The Change Security Data option enables an employee to modify security challenge information. To change your security data: 1. From the Account Services menu, select Change Security Data. The Security page 2. Select three unique questions that are used to authenticate the employee during a security challenge. An example is, What is the name of your first pet?. 3. Enter a response to the Challenge Questions. Using the example in step 10, enter Spot. 4. Click the Submit button. The confirmation page Change Primary Account Complete the following to change your primary account. The primary account is the account used when selecting Primary Account Summary from the Take Me To drop-down list on the Log In page. To change your primary account: 1. From the Account Services menu, select Change Primary Account. The Change Primary Account page 2. Select the desired account to designate as your primary account from the Select a Primary Account list. 3. Click the Submit button. The Account Details page Business Online Quick Reference 32

Secure Mail Secure Mail is a two-way encrypted communication between you and your financial institution that enables a financial institution and/or corporate customers to send and receive secure email messages and attachments directly from their Business Online session. You can contact your institution and request personalized assistance or send file attachments to the institution. Secure Mail is an optional feature. To send a secure email message: Complete the following to send an email message. This message service is secure. 2. Click the Secure Mail hyperlink under the Messages section. 3. The Secure Mail page loads. 4. Click the Compose tab. 5. If desired, enter the email addresses of recipients that you would like to send a copy to in the Cc field. 6. Enter a description of the contents of the email message in the Subject field. 7. Enter the message in the field. 8. If desired, click Attach and select a file to send additional information with the email message. 9. Click the Send button to send the email message. To view Secure Mail: Complete the following to view secure email messages in your inbox. 2. Click the Secure Mail hyperlink under the Messages section. 3. The Secure Mail page loads. 4. The Inbox is displayed. Click the appropriate message to view it. Business Online Quick Reference 33