"What's Changing" Summary

What’s changing? | ACH

Dual Control (Receipt Batch) Current State —Dual control can be set individually on Single Receipt and Receipt Batch. In ANB Go Business —If you have dual control on Single Receipt or Receipt Batch, you will have dual control on your ACH Company ID that starts with a “3.” Temporary Limit Increases Current State —ACH temporary limit increases are granted via a phone call to the bank. In ANB Go Business —ACH temporary limit increases require a signed form to be completed and returned to the ACH department. Please plan for extra time for this process to occur. Recipients Current State —ACH recipients can be notified via email regarding an initiated ACH transaction. In ANB Go Business —ACH recipients cannot be notified via an email from ANB Go Business regarding an initiated ACH transaction. ACH History Current State —All ACHs initiated on online banking can be viewed on online banking. In ANB Go Business —ACH history will not carry over to ANB Go Business. However, ACH history will build in ANB Go Business starting May 17th and be available for 13 months. Monitoring Current State —The bank monitors online banking payment initiation and performs call backs based on unusual activity and dollar amount. In ANB Go Business —The bank will continue to monitor online banking payment initiation and perform call backs based on unusual activity including amounts that are not normal activity for your organization. ACH Reversals Current State —An authorized individual on the Business Resolution must contact the bank to request an ACH Reversal. In ANB Go Business —ACH Reversals can be initiated in ANB Go Business. This permission will be permitted to Administrators with ACH initiation.

ACH Offset Current State —An ACH offset account can be any account a user has withdrawal access on. In ANB Go Business —ACH offset accounts in ANB Go Business will be any account you have used as an ACH offset within the last 12 months along with any account connected to an ACH template. Daily Limits Current State —ACH transactions are calculated against daily limits based on the date they were created. In ANB Go Business —In ANB Go Business, ACH transactions are calculated against daily limits based on the date they are effective. Limits Current State — Users can be granted the following ACH limits: 1. M aximum Amount: Per Transaction,

Per Account Per Day, Per Day, Per Month 2. Maximum Count: Per Account Per Day, Per Day, Per Month

In ANB Go Business —Users can be granted the following ACH limits in ANB Go Business:

1. Initiation per ACH Company ID 2. Approval per ACH Company ID

User Access Current State —Users can be granted access to only view their own ACH transactions. In ANB Go Business —In ANB Go Business, users will be able to see all ACH transactions initiated with an ACH Company ID they have access to. Dual Control (Single Payment, Payments Batch and Tax Payment) Current State —Dual control can currently be set individually on Single Payment, Payments Batch and Tax Payment. In ANB Go Business —If you have dual control on Single Payment, Payments Batch or Tax Payment, you will have dual control on your ACH Company ID that starts a “2.”

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