1st Southwest Bank Business Online Banking User Guide

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Business Online Banking User Guide

Published by Murphy & Company, Inc. 13610 Barrett Office Drive, Suite 206

St. Louis, MO 63021 www.mcompany.com

© 2009-2024 Murphy & Company, Inc. Macintosh is a trademark of Apple Inc., registered in the U.S. and other countries. Adobe Reader is a registered trademark of Adobe Systems, Inc. Copyright 2021 CSI. All rights reserved. Disclaimer Concepts, strategies and procedures outlined in this guide can and do change and may not be applicable to all readers. The content in this guide is not warranted to offer a particular result or benefit. Neither the author, publisher nor any other party associated with this product shall be liable for any damages arising out of the use of this guide, including but not limited to loss of profit, commercial, special, incidental or other damages. For complete product and service information, please refer to the terms, conditions and disclosures for each product and service.

Getting Started

Welcome to Business Online Banking with First Southwest Bank! Whether you are at home or the office using a mobile phone, tablet or laptop, we strive to make your Business Online Banking experience easy and convenient. By adding powerful commercial products and features, FSWB provides you with the complex tools your business needs to achieve its goals. Business Online Banking shares similar features with our personal accounts, but this guide is designed to direct you through business features only. You can navigate this guide by clicking a topic or feature in the Table of Contents. Each section provides an overview and steps to help you during the Business Online Banking process. If you have additional questions, contact us at 866-641-3792.

Table of Contents Getting Started

Business Online Banking Overview ............................................................................4 Sub-Users................................................................................................................................ 4 Transaction Type Overview .................................................................................................. 4 Logging In.......................................................................................................................5 Logging Off ............................................................................................................................. 5 Resetting a Forgotten Password .................................................................................6 User Management Sub-Users Overview .....................................................................................................7 Adding a New Sub-User ...............................................................................................9 Editing a Sub-User ......................................................................................................10 Part 1: Editing Sub-User Permissions................................................................................ 11 Part 2: Editing Sub-User Account Access .......................................................................... 12 Account Access............................................................................................................14 Hold Account Access ........................................................................................................... 14 Remove Account Hold......................................................................................................... 15 Deleting a Sub-User....................................................................................................16 ACH ACH Overview..............................................................................................................17 New ACH Batch ...........................................................................................................18 Part 1: Creating an ACH Batch............................................................................................ 18 Part 2: Adding a Recipient................................................................................................... 19 ACH File Upload ..........................................................................................................21 Editing an ACH Batch..................................................................................................23 Editing or Adding a Recipient to an ACH Batch.......................................................24 Editing or Deleting a Recipient ..................................................................................25 Deleting an ACH Batch ...............................................................................................27 Review and Initiate a One-Time ACH Batch.............................................................28 Review and Initiate a Recurring ACH Batch .............................................................30 Review and Initiate Multiple ACH Batches...............................................................32 Uninitiate an ACH Batch.............................................................................................34 Wires Wire Overview .............................................................................................................35 New Wire......................................................................................................................36 Part 1: Creating a Wire ........................................................................................................ 36 Part 2: Recipient Information ............................................................................................. 37 Part 3: Receiving and Intermediary Institutions............................................................... 38 Editing a Wire Template .............................................................................................40

41 42 43 44 45 Deleting a Wire Template .......................................................................................... Editing a Wire .............................................................................................................. Deleting a Wire............................................................................................................ Review and Initiate a Wire Template........................................................................ Review and Initiate a Wire .........................................................................................

Getting Started Business Online Banking Overview

Whether you’re an enterprise, large corporation or small organization, our flexible Business Online Banking can efficiently serve you. Depending on your bank or company policy, you may need to set up your sub-users before jumping into our state-of-the-art system. Sub-Users If your business only needs one person with access to Business Online Banking, you can set up a single login ID and password. This is typical for small companies who primarily use basic Online Banking tools with occasional business transactions. For larger organizations, our system lets you establish multiple login IDs and passwords for authorized employees. You can customize which employees get access to different features or accounts within Business Online Banking by establishing user permission. Transaction Type Overview Various types of payment methods are offered through Business Online Banking including wire and ACH transfers. Both methods are quick electronic payments. ACH payments can be posted as soon as next business day and can be used to pay or draft multiple recipients at once. Wires are faster, generally posting the same business day and can be used to pay one recipient at a time. Please contact us for a full list of wire and ACH fees or if you have any questions.

Getting Started: Business Online Banking Overview

Getting Started Logging In

After your first-time enrollment, logging in is easy. You will be asked to register a two-factor authentication (2FA) method if you have not done so already.

1. Click the Login button. 2. Enter your username and click the Sign In button. 3. Enter your password and click the Sign in button.

Logging Off For your security, you should always log off when you finish your Online Banking session. We may also log you off due to inactivity. 1. Click your name in the lower left corner of the screen. 2. Click the Sign out tab. 3. Close your internet browser.

Getting Started: Logging In

Getting Started Resetting a Forgotten Password

If you happen to forget your password, you can easily reestablish a new one from the FSWB Home page—no need to call us!

1. Click the “Forgot?” link. 2. Enter your username. 3. Enter your email address. 4. Click the Next button.

5. (Optional) If you don’t remember your username or email click the “Try another way” link and enter your social security number and account number. 6. After successfully completing the two-factor authentication, you will be able to create a new password and log in.

Getting Started: Resetting a Forgotten Password

User Management Sub-Users Overview

Depending on your number of employees, owners and company policies, Business Online Banking lets you set up multiple users with different responsibilities. New users can be created with their own unique login IDs and passwords. Each sub-user is assigned a set of user permissions that permit or prevent them from performing certain actions such as: • Sending or drafting payments and creating templates for certain transaction types. • Accessing specific accounts.

• Managing users. • Account transfers

Admin users can set up the features, accounts and permissions each sub-user needs to do their job. Establishing these settings will give sub-users the exact permissions needed to perform specific tasks, helping you manage your business and keep it running as smooth as possible.

User Management: Sub-Users Overview

The Sub-Users page lets you view all your existing sub-users in one, easy place. From here, you can create sub-users, edit permission and oversee your employees on a day-to-day basis.

Click your profile in the lower left corner of the screen, then click Business management . Click the User management tab. A. The following information presents for each sub-user: • Name • Username • Role • Status B. Use the search box to search for a user. C. Click the icon to filter users by Role or Status. D. Click the “+ Create user” link to add a sub-user.

User Management: Sub-Users Overview

User Management Adding a New Sub-User

You can set up a new sub-user by creating a new profile and assigning user permissions. It is important to contact the financial institution any time a new user is added to keep user contact information up to date.

Click your profile in the lower left corner of the screen, then click Business management . Click the User management tab. 1. Click the “+ Create user” link. 2. Enter the user’s first and last name. 3. Enter the user’s email address. 4. Use the drop-down to select a user role. 5. Click the Create user button. 6. Enter your password and click the Confirm password button. An enable account screen presents after entering the password which must be done for the success of a user account creation. After enabling the accounts, the admin can send the email invite, edit permissions or click the Done button. Note : New users will be created using your organization’s default set of permissions. You can edit a user’s permissions at any time by going to their user profile. Go to page 10 for more information about editing a sub-user.

User Management: Adding a New Sub-User

User Management Editing a Sub-User

You can make changes to existing sub-users at any time. This is especially beneficial if someone’s job title changes or their approval limits need to be adjusted.

Click your profile in the lower left corner of the screen, then click Business management . Click the User management tab. 1. Select the sub-user you would like to edit. 2. Click the icon and select “Edit user.” 3. Make the necessary changes to the sub-user. 4. Click the icon when you are finished.

User Management: Editing a Sub-User

Part 1: Editing Sub-User Permissions You can assign and edit a sub-user’s access rights. This helps you decide which responsibilities and limitations a user can have regarding certain transactions.

Click your profile in the lower left corner of the screen, then click Business management . Click the User management tab. 1. Select the sub-user you would like to edit. 2. Click the Set permissions button. 3. (Optional) Click the icon to view permission definitions. 4. Use the toggles to enable and disable a users permissions. 5. Enter any necessary limits. 6. Click the icon when you are finished.

User Management: Editing a Sub-User

Part 2: Editing Sub-User Account Access Decide which account a user will have access to.

Click your profile in the lower left corner of the screen, then click Settings . Click the User management tab. 1. Select the sub-user you would like to edit. 2. Use the toggles to enable and disable accounts. 3. Select an account to modify account level permissions.

User Management: Editing a Sub-User

4. (Optional) Click the icon to view permission definitions. 5. Use the toggles to enable and disable account permissions. 6. Enter any necessary limits. 7. Click the icon when you are finished.

User Management: Editing a Sub-User

User Management Account Access

Holding a user’s account will temporarily disable their account access. They will not be able to log in to their account until the hold on their account is removed. You may want to put a user on hold under certain circumstances such as: an extended leave of absence, vacation, etc.. Hold Account Access

Click your profile in the lower left corner of the screen, then click Business management . Click the User management tab. 1. Select the sub-user you would like to hold account access for. 2. Click the icon and select “Hold account access.” 3. Click the Hold button.

User Management: Account Access

Remove Account Hold

Click your profile in the lower left corner of the screen, then click Business management . Click the User management tab. 1. Select the sub-user you would like to release from an account hold. 2. Click the “Remove” link.

User Management: Account Access

User Management Deleting a Sub-User

You have the ability to permanently delete a sub-user that is no longer needed. This deletes their contact information from the Sub-Users page and deactivates their Business Online Banking login ID, but it does not erase the data from any existing payments.

Click your profile in the lower left corner of the screen, then click Business management . Click the User management tab. 1. Select the sub-user you would like to delete. 2. Click the icon and select “Delete user.” 3. Click the Delete button.

User Management: Deleting a Sub-User

ACH ACH Overview

ACH, which stands for Automated Clearing House, is an electronic payment system used for the secure and efficient transfer of funds between financial institutions. ACH transactions are not processed instantly. They can be posted as early as next day. This delay in processing allows for the consolidation and efficient handling of multiple transactions

In the Payments tab select ACH . A. Click the icon to filter batches by type. B. Click the History tab to view your ACH history.

C. Click the Create ACH or Upload ACH buttons to create new ACH batches. D. Click an active ACH batch to view more details, make edits or delete.

ACH: ACH Overview

ACH New ACH Batch

It’s easy to create a new ACH Batch. You have the option to manually enter batch and recipient information or you can upload a NACHA formatted file. Part 1: Creating an ACH Batch

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In the Payments tab select ACH . 1. Click the Create ACH button. 2. Enter a batch name. 3. Select a company. 4. (Optional) Enter a company ID. 5. Select an SEC code.

• SEC Code Debit / Credit Authorization Method PPD Debit or Credit Document signed by individual or similarly authenticated CCD, CTX Debit or Credit Document signed or similarly authenticated by Customer • All transactions from a business account to a business account must be CCD or CTX. Please see the CCD and CTX definition in Schedule A or refer to the NACHA Rules for a detailed explanation. • Please refer to page 6 of our ACH origination agreement. 6. Enter an entry description. 7. (Optional) Enter discretionary data.

ACH: New ACH Batch

Part 2: Adding a Recipient Add recipients to an ACH batch. 1

1. Click the “Add recipients” link. 2. Enter the recipients full name. 3. Enter an amount. 4. Select a transaction type. 5. Enter their account number. 6. Enter their routing number.

7. Use the drop-down to select an account type. 8. Check the box to prenote a participant, if needed. 9. Check the box to hold a payment, if needed. 10. (Optional) Click the “Optional fields” link.

11. (Optional) Enter an ID number. 12. (Optional) Enter an addenda. 13. (Optional) Click the “+ Add another recipient” link to add another recipient. 14. Click the Save recipient button.

ACH: New ACH Batch

15. Click the Create batch button. 16. Click the Done button.

Note : Prenoting a participant will issue a test transaction to the receiving financial institution to ensure validity of the account information. Selecting Prenote will create an additional batch labeled “PNT----” that you will initiate separate from the original batch.

You may hold a recipient when you do not want them to receive funds for this processing date.

ACH: New ACH Batch

ACH ACH File Upload

ACH File Upload allows you to upload properly formatted NACHA ACH files generated from your accounting software. The following validations are performed on uploaded ACH files: • File structure • Record field validations (record length, alphanumeric, special characters) • File balanced utilizing an offset account available in digital banking • SEC was enabled by your financial institution • Batch and File Control Totals equal contents of file • Hash totals equal contents of file • Dollar Limits are within Business and User aggregate ACH limits • Company Names and IDs match what was set up by your financial institution • Effective Date is within permitted date range • Business Cutoff • ACH Debit and Credit Lead Days

Note : ACH Upload functionality conforms to NACHA guidelines. These guidelines have been established to help financial institutions mitigate security and financial risk.

ACH: ACH File Upload

In the Payments tab select ACH . 1. Click the Upload ACH button. 2. Select the file to be uploaded

3. Click the Upload button. 4. Review the upload status. 5. (Optional) Click the icon to review statuses.

ACH: ACH File Upload

ACH Editing an ACH Batch

You can edit any active ACH batch.

In the Payments tab select ACH . 1. Select the ACH batch you would like to edit. 2. Click the “Edit” link. 3. Make the necessary changes and click the Save button.

ACH: Editing an ACH Batch

ACH Editing or Adding a Recipient to an ACH Batch

You can edit or add recipients to any active ACH batch.

In the Payments tab select ACH . 1. Select the ACH batch you would like to edit. 2. Click the “recipient” link. 3. Click the

icon to edit a recipient’s transaction amount, hold the recipient

or send a prenote.

4. Click the

icon to add a recipient.

ACH: Editing or Adding a Recipient to an ACH Batch

ACH Editing or Deleting a Recipient

You can edit a recipient’s bank information, ID number, and/or addenda information.

In the Payments tab select ACH . 1. Select the ACH batch you would like to edit. 2. Click the “recipient” link. 3. Click the recipient you would like to edit.

ACH: Editing or Deleting a Recipient

4. Make the necessary changes or click the icon to delete a recipient.

ACH: Editing or Deleting a Recipient

ACH Deleting an ACH Batch

You can delete pending transactions up until their processing date.

In the Payments tab select ACH . 1. Select the ACH batch you would like to delete. 2. Click the icon and select “Delete payment.” 3. Click the Delete button.

ACH: Deleting an ACH Batch

ACH Review and Initiate a One-Time ACH Batch

You can initiate any active ACH batch for one-time batch processing.

In the Payments tab select ACH . 1. Select the ACH batch you would like to initiate. 2. Click the Review and initiate button.

ACH: Review and Initiate a One-Time ACH Batch

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9 3. (Optional) Click the “Show details” link to show additional details. 4. Select an offset account. 5. Select an effective date. 6. (Optional) Check the box to reset amounts to $0.00 after processing 7. Click the Initiate button. 8. Enter your password and click the Confirm password button. 9. Click the Done button.

ACH: Review and Initiate a One-Time ACH Batch

ACH Review and Initiate a Recurring ACH Batch

You can initiate any active ACH batch for recurring batch processing.

In the Payments tab select ACH . 1. Select the ACH batch you would like to initiate. 2. Click the Review and initiate button.

ACH: Review and Initiate a Recurring ACH Batch

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11 3. (Optional) Click the “Show details” link to show additional details. 4. Select an offset account. 5. Select a frequency. 6. Select a start date and click the Confirm button. 7. Select an end date. 8. (Optional) Check the box to reset amounts to $0.00 after processing 9. Click the Initiate button. 10. Enter your password and click the Confirm password button. 11. Click the Done button.

ACH: Review and Initiate a Recurring ACH Batch

ACH Review and Initiate Multiple ACH Batches

You can initiate multiple active ACH batch.

In the Payments tab select ACH . 1. Click the icon. 2. Select the ACH batches you would like to initiate. 3. Click the Initiate button. 4. Select an effective date for each batch. 5. Select an offset account. 6. (Optional) Check the box to reset amounts to $0.00 after processing 7. Click the Initiate button.

ACH: Review and Initiate Multiple ACH Batches

8. Enter your password and click the Confirm password button. 9. Click the Done button.

ACH: Review and Initiate Multiple ACH Batches

ACH Uninitiate an ACH Batch

You can uninitiate any initiated ACH batch.

In the Payments tab select ACH . 1. Select the ACH batch you would like to uninitiate.

2. Click the Uninitiate button. 3. Click the Uninitiate button.

Note : You can only uninitiate a batch that is in an “Initiated” status.

ACH: Uninitiate an ACH Batch

Wires Wire Overview

A wire transfer is a method of electronically transferring funds from one individual or entity to another. It involves the movement of money between different financial institutions. Wire transfers are typically fast, secure, and reliable, making them a popular choice for various types of financial transactions.

In the Payments tab select Wires . A. Click the History tab to view your wire history. B. Click the Templates tab to view your wire templates. C. Click the Create Wire button to create new wires or wire templates. D. Use the drop-down to change the account. E. Click a wire to view more details, make edits or delete.

Wires: Wire Overview

Wires New Wire

Domestic wires allow you to send funds to any recipient within the U.S. Make sure you have all of the necessary account and contact information for the

recipient before you continue. Part 1: Creating a Wire

In the Payments tab select Wires . 1. Click the Create wire button. 2. Enter a wire name. 3. Use the drop-down to select an account. 4. Click the “Add recipient” link to add a recipient.

Wires: New Wire

Part 2: Recipient Information Add a recipient to a wire.

1. Enter the recipient’s name. 2. Enter the recipient’s account number. 3. Enter the recipient’s address.

Wires: New Wire

Part 3: Receiving and Intermediary Institutions When sending a wire, the receiving financial institution is the final bank that receives the funds. Some financial institutions use an in-between third-party bank called an intermediary to process funds. If the receiving bank uses an intermediary, the intermediary bank’s information will need to be input as well.

1. Search for the recieiving financial institution information. 2. (Optional) Click the “+ Add intermediary institution” link to add an intermediary financial instutution. a. Search for or enter the intermediary financial institution information. 3. Click the Save button.

Wires: New Wire

1. Enter an amount. 2. (Optional) Click the “Add notes” link to add a note. 3. (Optional) Check the box to save as a template. 4. Click the Create wire button. 5. Review the wire information and click the Done button.

Wires: New Wire

Wires Editing a Wire Template

Easily edit a template when changes are necessary. 1

In the Payments tab select Wires . 1. Click the Templates tab. 2. Select the template you would like to edit. 3. Click the “Edit” link. 4. Make the necessary changes and click the Save button.

Wires: Editing a Wire Template

Wires Deleting a Wire Template

Delete an unnecessary template. Once a template is deleted, previous payments using the template do not change. 1

In the Payments tab select Wires . 1. Click the Templates tab. 2. Select the template you would like to delete. 3. Click the icon. 4. Click the Delete button.

Wires: Deleting a Wire Template

Wires Editing a Wire

You can edit any pending wire transfer.

In the Payments tab select Wires . 1. Select the wire you would like to edit. 2. Click the “Edit” link. 3. Make the necessary changes and click the Save button.

Wires: Editing a Wire

Wires Deleting a Wire

You can delete pending transactions up until their processing date.

In the Payments tab select Wires . 1. Select the template you would like to delete. 2. Click the icon. 3. Click the Delete button.

Wires: Deleting a Wire

Wires Review and Initiate a Wire Template

Easily initiate a wire template.

In the Payments tab select Wires . 1. Click the Templates tab. 2. Select the template you would like to initiate. 3. Click the Review and initiate button. 4. Enter your password and click the Confirm password button. 5. Click the Done button. Wires: Review and Initiate a Wire Template

Wires Review and Initiate a Wire

Easily initiate a wire.

In the Payments tab select Wires . 1. Select the wire you would like to initiate. 2. Click the Review and Initiate button. 3. (Optional) Click the “Show details” link to show additional details. 4. Click the Initiate button.

Wires: Review and Initiate a Wire

5. Enter your password and click the Confirm password button. 6. Click the Done button.

Wires: Review and Initiate a Wire

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