"What's Changing" Summary

"What's Changing" Summary

ANB GO BUSINESS SELECT

What’s changing ? A guide to understanding how your mobile and online banking will shift after our upgrade.

Version: FS-SEL

ANB GO BUSINESS— SELECT 1

What’s changing? Table of Contents

03 Administration

04 Account & Transactions History

05 Transfers

05 Loans

06 Statements & Notices

07 Security

07 Stop Payments

08 Bill Payments

08 Remote Deposit Capture

09 ACH

10 Alerts

1 1 Wires

12 Positive Pay

12 QuickBooks ® /Quicken ®

12 Mobile

ANB GO BUSINESS— SELECT 2

What’s changing? | Administration

Resetting Passwords Current State —Users must contact American National Bank for assistance with password resets and unlocking online user profiles. In ANB Go Business —Online Administrators can unlock online user profiles and issue temporary passwords for users set up under their company profile. Users will be encouraged to reach out to their online Administrators for assistance with these actions. American National Bank will help facilitate these actions should no online Administrator be designated or is unavailable. Changes to Products or Services Current State —Individuals who are designated on the Business Entity Resolution with the authority to enter or make changes to Treasury Services products must contact the bank to enroll or discontinue specific Treasury products. In ANB Go Business —This process will continue to be the same. Only an authorized individual on the resolution will be able to contact American National Bank for new products or make changes to existing products.

Choosing Online Administrators Current State —Individuals who are designated on the Business Entity Resolution with the authority to enter or make changes to Treasury Services products currently contact the bank and request new users be granted access to business accounts. In ANB Go Business —With ANB Go Business, the individuals on the Business Entity Resolution with authority to enter or make changes to Treasury Services products will appoint initial online Administrators for their company. These online Administrators are then able to create new users and grant specific account access without needing to contact the bank. Control User Access Current State —Individuals who are designated on the Business Entity Resolution with the authority to enter or make changes to Treasury Services products contact the bank and request changes to a specific user’s access. In ANB Go Business —Online Administrators can now control user’s access and can add specific products to that user’s account, at their discretion. You no longer have to contact the bank to create, modify, or deactivate a user’s access. American National Bank recommends that companies use Administrative Dual Control, which allows one Administrator to make changes to a user profile and then requires another Administrator to review and approve those changes. If more than one online Administrator was not designated, then Dual Control will not apply to user management. Audit Reports Current State —There is currently not an audit report available for you to review online activity. In ANB Go Business —Online Administrators will have the ability to review an audit report which tracks all actions taken by all users associated with the company.

ANB GO BUSINESS— SELECT 3

What’s changing? | Accounts and Transaction History

Previous Month Transactions Current State —To see the previous month’s transactions, please navigate to the “Transaction Archive.” In ANB Go Business —From the account screen, you can navigate to the “Transactions For” section and select specific dates, going back 13 months, without having to navigate away from the Account History screen. As part of our upgrade, we will be importing the previous 13 months’ of account history for your convenience. View Checks Current State —To view images of checks that have cleared your account or to view checks that were included in a deposit to your account, simply select the hyperlinked transaction and the image(s) will be displayed. In ANB Go Business —You will still be able to view checks through ANB Go Business. For a short window following the upgrade, there may be a temporary location to view recent check images while all of the historical check information is migrated to ANB Go Business.

Primary Balances Current State —There are currently three primary balances being displayed in online banking: 1. Current Balance: This is the opening balance of the account at the beginning of the business day. 2. Available Balance: This is the balance of collected funds, with any credits and debits posting to the account that day included and fully available to you. 3. Total Available Funds: This balance is the Available Balance, with any further available funds from a Line of Credit or connected Sweep Account. In ANB Go Business —There will be three primary balances displayed in your new online banking platform. 1. Today’s Opening Ledger: This is the end of day balance from the previous business day. 2. Closing Available: This is the balance from the previous day, less any checks deposited that have not been fully cleared. 3. Current Available: This is the balance of funds that are available to you at any given time, which can include incoming credits and debits to your account. Previous Day Transactions Current State —The previous day transactions are calculated and displayed by the total amount in debits and credits to your account, which provides closing day balances. In ANB Go Business —Your previous day account balance can now be found under the “Today’s Opening Ledger” balance. To see your transactions for the previous day, use the date field under “Transactions For” and select “Yesterday” to see just those transactions that posted the previous day.

ANB GO BUSINESS— SELECT 4

What’s changing? | Transfers

Transfer History Current State —No transfer history currently displays except in transaction history. In ANB Go Business —Transfer history can be found in the “Transfer Center” of ANB Go Business starting May 17. Both transfer and transaction history will be available for 13 months.

Importing Transfers Current State —Importing transfers is not currently offered. In ANB Go Business —Importing transfers will be available to all company Administrators. The Administrators will have the authority to grant permissions to their employees. After creating a transfer import map, users can create a corresponding file with transfer details and import the file to initiate transfers.

Transfer Availability Current State —Transfers are an available requested service.

In ANB Go Business —The Administrators will have the authority to grant permissions to their employees. If you currently have transfer permissions, you will still have them on ANB Go Business.

What’s changing? | Loans

Future-dated Principal Only Payments Current State —Future-dated Principal-only loan payments are available using the Transfer function. In ANB Go Business —Future-dated Principal-only Loan Payments are not currently available. This feature may be available in the future.

Principal Only Payments Current State —Principal-only loan payments are offered and currently completed by using the “Transfer” function. In ANB Go Business —These payments can be made through the Payment Center by clicking on “Initiate Payment” and selecting “Loan Payment” in the Payment Type dropdown. Interest Only Payments Current State —Interest-only loan payments are an available option. In ANB Go Business —Interest-only loan payments can be established by working with your banker. The recommended action is to set up interest-only payments at the time of account opening. These payments cannot be established within ANB Go Business.

ANB GO BUSINESS— SELECT 5

What’s changing? | Statements & Notices

HTML Statements Current State —At the end of your statement period, you have access to an HTML version of your statement. Within three business days, your full statement is available for review. In ANB Go Business —In ANB Go Business, HTML statements will no longer be offered. Full statements will be available to you within two business days of the statement end date. eStatements Current State —You can access up to 24 months of eStatements through your existing Online Banking profile. In ANB Go Business —You will still be able to retrieve historical statements through ANB Go Business. As a measure of good record keeping, we advise you to save the last 12 months of statements from the existing online experience if immediate access is needed.

Monthly Statement Current State —Your monthly statement currently generates on a specific day of the month. It is then available to you via your preferred method of online availability or mailed to your address on file. In ANB Go Business —On ANB Go Business, your account statement will continue to generate on the same date as before. Please note: You will receive a mid-month statement that includes transactions that have posted to your account through May 14th along with a second statement from May 17th through your normal statement cut date. Account and Account Analysis Statements Current State —Account Statements and Account Analysis Statements are located under “Documents” when viewing Account History. In ANB Go Business —To access Account Statements in ANB Go Business, navigate to the “Reporting” menu and select “Statements and Reports”. From this menu, you can retrieve your statements from a specific period. These are labeled as Deposit Statements. If you have a combined statement (one statement with multiple accounts), the statement can be pulled under any of the account numbers. Account Analysis Statements are displayed along with your Account Statements when searching over a specific period. These are labeled as Analysis Statements. Transaction Notices Current State —ACH Chargeback, Credit Back, Correction Notices, and Returned Deposited Items are located under “Documents” when viewing Account History. In ANB Go Business —To retrieve these statements in ANB Go Business, navigate to the “Notices” option under “Other Services” in the menu. These notices will be granted to Administrators automatically and can be assigned to other users, as necessary. These notices will continue to be mailed to the business address as well.

ANB GO BUSINESS— SELECT 6

What’s changing? | Security

ACH or Wire Transactions Current State —To initiate and/or approve an ACH or Wire transaction for processing, you currently enter a randomly generated code via ‘hard-token’ before the transaction will process. In ANB Go Business —To initiate and/or approve an ACH or Wire transaction for processing, a one-time passcode will be required to be received via email or text message. For Administrators, a one-time passcode will be required as well when making any change to a user (i.e., creating, modifying, or deleting a user).

Password Current State —Your password for Business Online Banking is generated through a “hard-token”, in combination with a four-digit PIN. In ANB Go Business —To log into ANB Go Business, three pieces of identifying information are required: 1. Customer ID 2. User ID 3. Password After submitting the credentials, you will be prompted to register your device. Subsequent logins will then require a one-time passcode to be delivered via email or text message to complete the login process. Username Current State —Your current username is a combination of a number and a variation of your first name (e.g., 123456JOHN). In ANB Go Business —The number from your old username is now your Customer ID and the variation of your first name is your User ID. Customer ID: 123456 User ID: John

What’s changing? | Stop Payments

Stop Payments Current State —Stop Payments are currently a requested service. In ANB Go Business —Stop Payments will be available to all company Administrators. The Administrators will have the authority to grant permissions to their employees at their discretion. If you currently have Stop Payment permissions, you will continue to have them on ANB Go Business.

ANB GO BUSINESS— SELECT 7

What’s changing? | Bill Payments

Processing Payments Current State —The bill payment system will not allow you to schedule a payment with a scheduled delivery date that cannot be achieved, based on how the payment will be processed (Check or Electronic). This will prevent you from scheduling a same day payment. In ANB Go Business —To process a payment same day, it must be entered by 2:00 p.m. CST. Date of Payment Current State —Currently, you select the date you need to have the bill payment delivered by and the system indicates when the payment will be debited to your account to ensure the delivery by that date. In ANB Go Business —In our new Bill Payment system with ANB Go Business, the date you select will be the date the payment is generated. If the payment is being sent electronically, this will be the date the payment is debited from your account. If the payment will be sent via check, this is the date the check is issued. The system will also provide an estimated arrival date.

Cutoff Times Current State —There are no same day transactions allowed. In ANB Go Business —Same day transactions are allowed and the cut off time is 2:00 p.m. CST. Bill Pay Checks Current State —Bill Pay checks are generated with our vendor’s account number. In ANB Go Business —Bill Pay checks will be generated in ANB Go Business with your account number. Scheduled Payments Current State —You are not able to see bill payments scheduled by other users within your organization. In ANB Go Business —You will be able to see bill payments scheduled by other users within your organization in ANB Go Business. Payees Current State —You are not able to see payees created by other users within your organization. In ANB Go Business —While you will not be able to see existing payees created by other users within your organization. You will be able to see new payees created by other users within your organization. It may be helpful to reestablish all existing payees post upgrade so all users within your organization can see all payees.

What’s changing? | Remote Deposit Capture

Remote Deposit Capture Users Current State —Customers contact American National Bank’s treasury support team to add or modify users. In ANB Go Business —Administrators can create new users within the Remote Deposit platform. Please reference the Remote Deposit Capture user guide for step-by-step instructions.

Remote Deposit Capture Access Current State —Remote Deposit Capture is accessed through a unique website. In ANB Go Business —Remote Deposit Capture can be accessed through ANB Go Business using your online banking credentials.

ANB GO BUSINESS— SELECT 8

What’s changing? | ACH

Mapped Templates Current State —ACH Import Mapped templates are available for clients who are importing a Non-Nacha file (text comma or tab delimited file). In ANB Go Business —Clients will need to rebuild their ACH Mapped Import template in ANB Go Business for all future imports. ACH Alerts Current State —ACH alerts are currently set up by the bank. In ANB Go Business —Clients will set up their own ACH alerts in ANB Go Business. Any existing alerts will need to be reestablished in ANB Go Business. Detailed Statement Current State —ACH Detailed Statement (EDI) is currently available in iBank. In ANB Go Business —Additional ACH detail (ACH Remittance Detail), can be obtained by running a report in the “Reporting” menu of ANB Go Business. Schedule C Current State —Clients send Schedule C (ACH Transmittal Register) for each ACH file they submit. In ANB Go Business —When ANB Go Business is in place, Schedule C will no longer be required for ACH processing. Hold ACH Transactions Current State —In order to currently hold ACH transactions within your file, you can select the hold box next to the recipient or use the “Select All” box to hold all. In ANB Go Business —Clients will utilize the “Zero All Amounts” function of ANB Go Business in the Payment Center.

Cutoff Times Current State —Current ACH Cutoff Times: 10 a.m. CST 12:30 p.m. CST 4 p.m. CST

In ANB Go Business —This will be changing in ANB Go Business. ACH transactions are calculated against limits based on Effective Date, not Creation Date.

Same Day Cutoff Time: 2:30 p.m. CST Next Day Cutoff Time: 6:30 p.m. CST

ACH Transactions Current State —ACH transactions are calculated against daily limits based on create date. In ANB Go Business —This will remain the same in ANB Go Business. ACH transactions are calculated against daily limits based on effective date. Monthly Limits Current State —ANB currently enforces an ACH per item limit and monthly limits. In ANB Go Business —With ANB Go Business, ANB will only enforce per effective date limits. ACH Limits Current State —Users can currently be granted the following limits: 1. M aximum Amount: Per Transaction, Per Day, Per Month 2. Maximum Count: Per Day In ANB Go Business —With ANB Go Business, users can be granted the following ACH limits: Editing ACH Templates Current State —The current system does not have dual control on editing ACH templates. In ANB Go Business —With ANB Go Business, if a customer has dual control required for ACH initiation, dual control will be required for editing ACH templates. ACH exemption does not apply to template approval. 1. Initiation per ACH Company ID 2. Approval per ACH Company ID

ANB GO BUSINESS— SELECT 9

What’s changing? | ACH

Payment Templates Current State —You can utilize “New Using Existing” for initiation of a transactions from an old payment. In ANB Go Business —Templates will be utilized for initiating payments that require stored payment information. Instructions have been sent to you separately via email on how to create an ACH template. Further, once you initiate an ACH, you can reuse the transaction from history similar to “New Using Existing” functionality.

Exporting ACH Files Current State —Currently, you are able to export multiple ACH files for record retention purposes one at a time. In ANB Go Business —With ANB Go Business, you may export ACH files one at a time. The export does not include your offset entry. Offset Account Current State —ACHs are currently initiated with the offset entry included in the batch. In ANB Go Business —The offset account will need to be selected in online banking prior to initiation in ANB Go Business. User Access Current State —When creating an ACH template, you can grant specific users access to that template. In ANB Go Business —If a user can initiate and/ or approve ACH transactions in ANB Go Business, they will have access to all ACH templates for that respective ACH company.

What’s changing? | Alerts

User Configured Alerts Current State —User configured alerts are currently unavailable for business customers. In ANB Go Business —User configured activity alerts around transaction approvals and processing, or user-defined balance alerts will be available on the new system.

ANB GO BUSINESS— SELECT 10

What’s changing? | Wires

Dual Control Current State —Currently there is no dual control on editing Wire templates. In ANB Go Business —If a customer has dual control required for Wire initiation in ANB Go Business, dual control will be required for editing Wire templates. Wire exemption does not apply to template approval. Account Information Current State —When clients initiate Wire payments, the account name and address are pulled from the corresponding account. In ANB Go Business —ANB Go Business will automatically pull the main client address and utilize the account name that is listed in our system. Domestic and International Wires Current State —Limits are set individually for Domestic Wires and International Wires. In ANB Go Business —Your Wire limits in ANB Go Business will be the sum of your Domestic Wire and International Wire limits. Purpose of Wire Current State —A purpose is not obtained for your Wires submitted through iBank. In ANB Go Business —You will be required to enter a purpose for your Wires entered through ANB Go Business. Wire Limits Current State —Users can be granted the following Wire limits: 1. M aximum Amount: Per Transaction, Per Day, Per Week, Per Month 2. Maximum Count: Per Day In ANB Go Business —Users can be granted the following Wire limits: Entry/Transaction, Entry/Day, Approval/Transaction, Approval/Day

User Access Current State —When creating a Wire template, you can grant specific users access to that template. In ANB Go Business —If a user can draft or approve Domestic Wires or International Wires, they will have access to all Domestic Wire and International Wire templates that includes an account they have Wire access on. Wire Templates Current State —Wire templates are set up by the bank on your behalf and stored on the system for use for those with appropriate access. I n ANB Go Business —Wire templates that have been set-up will transfer to the new system. In addition, you have the ability to establish Wire templates yourself with the appropriate permissions. Please contact your system Administrator if you believe you need this permission. International Wires Current State —International Wire instructions require an intermediary bank be entered by the foreign sender. In ANB Go Business —ANB now has a SWIFT code for use in receiving incoming International Wires. Our SWIFT code is WESRUS41 .

ANB GO BUSINESS— SELECT 11

What’s changing? | Positive Pay

New Users Current State —Customers contact American National Bank’s treasury support team to add or modify users. In ANB Go Business —Administrators can create new users in the Positive Pay/ACH Filters. Please reference the Positive Pay/ACH Filters user guide for step-by- step system instructions.

Access Current State —Positive Pay is accessed through a unique website. In ANB Go Business —Positive Pay will be accessed through ANB Go Business using your online banking credentials.

What’s changing? | QuickBooks®/Quicken®

Importing Current State —Transactions are manually imported into Quicken® or QuickBooks.® In ANB Go Business —When setting the import of transactions via Direct Connect or Web Connect, avoid duplicate transactions being imported by setting the date range for the new transactions.

Access Current State —Direct Connect or Web Connect to Quicken® or QuickBooks® is not available. In ANB Go Business —Quicken and QuickBooks Direct Connect, Web Connect, and Express Web Connect are now available and can be associated under the following bank name: American National Bank NE–DC.

What’s changing? | Mobile

Web Application Current State —The web application does not adapt for tablet or mobile view. In ANB Go Business —The full web application can be accessed via your mobile phone and tablet through the website link with all functionality available for you to use and formatted specifically for easy viewing on mobile or tablets.

Mobile App Current State —No mobile app is currently available for business customers. In ANB Go Business —A mobile application will be available on Monday, May 17th at 8:00 a.m. The new mobile app can be found by searching for ANB Go Business in the app store associated with your mobile device. The mobile application allows you to view balances, search and view transactions, initiate transfers, and approve ACH or Wire transactions.

ANB GO BUSINESS— SELECT 12

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