ACNB Treasury Management Online Guide

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Treasury Management Online Banking Guide

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

St. Louis, MO 63021 www.mcompany.com

© 2009–2024 Murphy & Company, Inc. Quicken is a registered trademark of Intuit, 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. © 2012 Portions of this guide were written by Q2 Software, Inc..

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.

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Getting Started

Welcome to Business Online Banking with ACNB Bank! Whether you are at home or at the office using a mobile phone, tablet, or laptop, we strive to make your Online Banking experience easy and convenient. By adding powerful commercial products and features, ACNB Bank provides you with the complex tools your business needs to achieve its goals. Although our Business Online Banking shares similar features with our personal accounts, this guide is meant to help 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 Online Banking process. If you have additional questions, contact us at 717.334.3161 or 888.334.2262.

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Table of Contents General Information

Business Online Banking Overview ............................................................................6 User Identification and Password ....................................................................................... 6 Secure Sockets Layer Encryption......................................................................................... 6 Secure Access Code .............................................................................................................. 6 Browser Registration............................................................................................................. 6 Online Banking Safety Tips:.................................................................................................. 7 Phishing................................................................................................................................... 7 Identity Theft.......................................................................................................................... 7 Fraud Prevention Tips:.......................................................................................................... 8 New Customers.............................................................................................................9 Current Banking Customers ......................................................................................10 Getting Started Business Online Banking Overview ..........................................................................11 Users...................................................................................................................................... 11 Recipients.............................................................................................................................. 11 Business Online Banking Transaction Types.................................................................... 12 Logging In.....................................................................................................................13 Logging Off ........................................................................................................................... 13 Token Process .............................................................................................................14 Token Process ...................................................................................................................... 14 Home Page Overview .................................................................................................15 Secure Message Overview .........................................................................................17 Sending a Secure Message ........................................................................................18 User Managment Users Overview ...........................................................................................................19 User Management Overview.............................................................................................. 20 Adding a New User ............................................................................................................. 21 Activate or Deactivate a User ....................................................................................22 Deleting a User............................................................................................................23 Recipients Recipient Overview .....................................................................................................24 ACH Only - Part 1 of 2: Adding a Recipient ....................................................................... 25 ACH Only - Part 2 of 2: Recipient Account Detail ............................................................. 26 ACH & Wire - Part 1 of 4: Adding a Recipient.................................................................... 27 ACH & Wire - Part 2 of 4: Beneficiary Bank Detail ............................................................ 28

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ACH & Wire - Part 3 of 4: Intermediary Bank Detail ......................................................... 29 ACH & Wire - Part 4 of 4: Recipient Account Detail.......................................................... 30 Wires Only (Domestic) - Part 1 of 4: Adding a Recipient ................................................. 31 Wires Only (Domestic) - Part 2 of 4: Beneficiary Bank Detail .......................................... 32 Wires Only (Domestic) - Part 3 of 4: Intermediary Bank Detail....................................... 33 Wires Only (Domestic) - Part 4 of 4: Recipient Account Detail ....................................... 34 Wires Only (International) - Part 1 of 4: Adding a Recipient ........................................... 35 Wires Only (International) - Part 2 of 4: Beneficiary Bank Detail.................................... 36 Wires Only (International) - Part 3 of 4: Intermediary Bank Detail................................. 37 Wires Only (International) - Part 4 of 4: Recipient Account Detail ................................. 38 Recipient Approval/Rejection ....................................................................................39 Editing a Recipient ......................................................................................................40 Editing a Recipient’s Templates.......................................................................................... 41 Deleting a Recipient....................................................................................................42 Payments Payment Template Overview ....................................................................................43 Creating a Template ...................................................................................................44 ACH Batch ............................................................................................................................. 45 ACH Payment........................................................................................................................ 47 ACH Collection...................................................................................................................... 49 ACH Receipt .......................................................................................................................... 51 Domestic Wire ...................................................................................................................... 53 International Wire................................................................................................................ 55 Payroll.................................................................................................................................... 58 Sending a Single Payment..........................................................................................60 ACH Batch ............................................................................................................................. 60 ACH Payment........................................................................................................................ 63 ACH Collection...................................................................................................................... 65 ACH Receipt .......................................................................................................................... 68 Domestic Wire ...................................................................................................................... 70 International Wire................................................................................................................ 73 Payroll.................................................................................................................................... 76 Splitting a Payment.............................................................................................................. 78 Upload From File.........................................................................................................79 Creating a New File Map - Delimited Files ........................................................................ 79 Creating a New File Map - Fixed Width ............................................................................. 82 Using an Existing File Map .................................................................................................. 85 Editing an Existing File Map ................................................................................................ 86 Deleting an Existing File Map.............................................................................................. 87

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Viewing, Approving or Canceling a Transaction......................................................88 Single Transaction................................................................................................................ 88 Multiple Transactions.......................................................................................................... 89 Editing or Using a Template ......................................................................................90 Deleting a Template ...................................................................................................91 Reports Reports Overview........................................................................................................92 Company User Activity Report ........................................................................................... 93 Transaction Report .............................................................................................................. 94 Outgoing Wires Report........................................................................................................ 95 Company Entitlements Report........................................................................................... 96 ACH Activity Report.............................................................................................................. 97 ACH Activity Report Previous Day(s).................................................................................. 98 Balance and Activity Statement-Previous Day(s) ............................................................. 99 Cash Position Report Previous Day(s) ............................................................................ 100 Editing a Report........................................................................................................ 101 Deleting a Report ..................................................................................................... 102 Settings Home Page Preferences.......................................................................................... 103 Mobile Authorizations ............................................................................................. 106 Transfers Funds Transfer ......................................................................................................... 108 Individual Transfers.......................................................................................................... 108 Multi-Account Transfers Overview ................................................................................. 110 Multi-Account Transfers- Creating a Template ............................................................. 111 Multi-Account Transfers- Single Transfer ...................................................................... 113 Editing a Multi-Account Transfer Template .......................................................... 115 Deleting a Multi-Account Transfer Template........................................................ 116 Positive Pay Introduction.............................................................................................................. 117 Quick Exception Processing.................................................................................... 118 Submit Issued Check File ........................................................................................ 121 Add New Issued Check File..................................................................................... 122 Void a Check ............................................................................................................. 123 Check Search ............................................................................................................ 124 ACH Transaction Search.......................................................................................... 126 Transaction Extracts ................................................................................................ 127 Daily Checks Issued Summary ............................................................................... 128

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Exception Items........................................................................................................ 129 Account Reconciliation ............................................................................................ 131 Check Reconciliation Summary.............................................................................. 132 Deposit Reconciliation Summary........................................................................... 133 Issued Check File Processing Log........................................................................... 134

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General Information Business Online Banking Overview

By following our tips, Online Banking at ACNB Bank can be a safe and efficient method for handling your banking needs. For additional security tips, visit the Security Center at acnb.com. User Identification and Password Security starts at your computer. Never share your Login ID or password with anyone. Make sure your password is hard to guess by combining random numbers and letters instead of using your birth date, pet’s name or other personally identifiable choices. Do not use the same password for all of your online activities. Secure Sockets Layer Encryption We use Secure Sockets Layer (SSL) encryption, a trusted method of securing internet transactions. This technology scrambles data as it travels between your computer and ACNB Bank, making it difficult for anyone to access your account information. Secure Access Code Business Online Banking offers additional Treasury Management services over basic consumer online banking and therefore requires extra security methods. You will need to have an additional layer of authentication each time you login to your business online banking session. This is accomplished using a Symantec VIP Security Token, specifically designated to you, which presents a six digit code that lasts for 30 seconds. The bank will issue each User a physical (or hard) token, or you can download a virtual (or soft) token as an App to a Smartphone. Your login will now consist of your User Name, your password, and the six digit code presented on your token at that moment in time. Browser Registration In addition to your personal password security, we have added another layer of security called browser registration that runs in the background and helps verify your identity at login. Do not allow your browser to save your passwords.

General Information: Business Online Banking Overview

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Online Banking Safety Tips: • Ensure your web browser, operating system, anti-virus software and other applications are current and support 128-bit encryption. • Memorize your passwords and change your password regularly. • Exit your Online Banking session when finished. • Do not leave your computer unattended when logged in to Online Banking. • Do not use public computers or unsecured WiFi when accessing. • If you receive an error when logged into your account, report the error to a customer service representative at 717.334.3161 or 888.334.2262. ACNB Bank will never send unsolicited emails asking you to provide, update, or verify personal or confidential information via return email. If you receive an email inquiry allegedly from ACNB Bank, please report the incident to a customer service representative as quickly as possible. To mitigate the risk of online fraud and identity theft, your first and best protection is awareness. Phishing Phishing is an online scam tactic that is used to lure users into unknowingly providing personal data, such as credit card information or Login IDs and passwords. Using realistic-looking emails and websites, this tactic attempts to gain the trust of unsuspecting targets and convince them that vital information is being requested by a vendor they may already have a relationship with, such as their financial institution. Identity Theft It is important that you are aware of the dangers of identity theft. Identity theft can occur when criminals find a way to steal your personal or other identifying information and assume the use of that data to access your accounts, open new accounts, apply for credit, purchase merchandise, and commit other crimes using your identity.

General Information: Business Online Banking Overview

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Fraud Prevention Tips: • Do not open email attachments or click on a link from unsolicited sources. • Avoid completing email forms or messages that ask for personal or financial information. • Do not trust an email asking you to use a link for verification of login or account details. • Monitor your account transactions for unauthorized use. • Shred old financial information, invoices, charge receipts, checks, unwanted pre-approved credit offers and expired charge cards before disposing of them. • Contact the sender by phone if you are suspicious of an email attachment.

General Information: Business Online Banking Overview

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General Information New Customers

Any business that has interest in the Treasury Management features of our Business Online Banking system can establish service by contacting the ACNB Bank Treasury Management Department at 1-866-584-8949 ext. 2. A Treasury Management Sales Officer will be available to discuss the specific requirements for use of each service and any associated fees. This Officer will gather the appropriate business information in order to execute the necessary documentation to get service established. After the Treasury Management Department has completed your customer set-up, a member of the Treasury Management team will contact you with Login and Password information for each User. They will also work with you to issue a physical token or virtual token, depending on each User’s preference.

General Information: New Customers

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Getting Started Current Banking Customers

Whether you are a completely new User of ACNB Bank’s Business Online Banking system, or a previous Retail Banking Customer being upgraded to the business platform, your first time access to the Business Online Banking site takes place as follows: 1. Type www.acnb.com into the address bar on your browser to access the ACNB Bank Business Online Banking system. 2. Enter the Login ID and password as given to you by the Treasury Management Department. If you have forgotten your password, click the Forgot Password link to reset your password. 3. On the next screen, enter the six digit token code that presents on your Symantec VIP Security token when you press the button, then click submit . 4. Because this is your first time accessing the system, you will need to wait 30 seconds and enter a second token code as well. 5. Congratulations! You will then be logged in to ACNB Bank’s Business Online Banking.

General Information: Current Banking Customers

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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 size, the first steps in banking online are setting up your users and recipients. After setting up these key entities, you can jump right in and experience our state-of-the-art system! 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. After setting up a company policy with a ACNB Bank representative, you can organize which employees get access to different features within Business Online Banking by establishing user roles. Recipients Recipients are people or businesses to whom you send money using a payment feature offered through Business Online Banking. After creating a profile for each recipient, you can choose the method to send them money and the respective transaction details. Each recipient is saved so you can quickly and easily make future payments.

Getting Started: Business Online Banking Overview

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Various types of payment methods are offered through Business Online Banking, including wire and ACH transfers. Though they are both quick electronic payments, wires are the fastest way to transfer money between accounts. ACH transactions are done using a batch process, and funds are generally not available until the next business day. Please call us at 717.334.3161 or 888.334.2262 for a full list of wire and ACH fees or if you have any questions.

Business Online Banking Transaction Types

Type

Description

ACH Payment

Send a payment to one recipient.

ACH Batch

Send a payment to several recipients.

ACH Receipt

Receive a payment from one recipient.

ACH Collection

Receive a payment from several recipients.

Domestic Wire

Send a wire to a recipient within the US.

Send a wire to a recipient in a different

International Wire

country.

Send payroll to several recipients. If a recipient has more than one account, you can split that payment into several accounts.

Payroll

Getting Started: Business Online Banking Overview

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Getting Started Logging In

After your first-time enrollment, logging in is easy and only requires your login ID and password. If you are using a browser you have not previously registered, you need to request a SAC.

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1. Click the Login button. 2. Enter your username and password. 3. Click the Login button.

Note: If you enter an incorrect password too many times, your account will be temporarily locked. Call us at 717.334.3161 or 888.334.2262 for assistance.

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 the Log Off tab in the navigation menu. 2. Close your internet browser.

Getting Started: Logging In

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Getting Started Token Process

You can download a software token from the App Store. The application is called VIP Access. All tokens must be registered with ACNB Bank. When you download a software token, you must provide ACNB Bank with the Credential ID. The Symantec Token token will generate a six-digit number every thirty seconds. Token Process After you enter your username and password, the Secure Token screen will appear.

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1. Enter the symantec token. The first time you login, the Secure Token screen will require two consecutive Security Codes. Enter the first Security Code then the second Security Code in the appropriate boxes. 2. Click the Submit button when you are finished.

Note: The Security Codes must match the token numbers registered with ACNB Bank. For assistance, call us at 717.334.3161 or 888.334.2262.

Getting Started: Token Process

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Getting Started Home Page Overview

After logging in, you are taken directly to the Home page. Here you can view the balances in your ACNB Bank accounts, see your account summaries and more!

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Note: The letters correspond to several available features on the Dashboard.

Getting Started: Home Page Overview

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A. The navigation bar appears in every view on the left side of the screen. You can navigate to Online Banking features by selecting the appropriate drop-down tab. B. Your ACNB Bank accounts are displayed in an account card with its balance. C. If you click an account name, you are taken to the Account Details page. You can also click the icon on the right side of an account card, and select View Activity for more details. D. The icon allows you to print a summary of current available funds in your accounts. E. You can expand or collapse account details by clicking the icon. F. The Quick Actions links in the top right corner let you quickly access different Online Banking features.

Getting Started: Home Page Overview

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Getting Started Secure Message Overview

If you have questions about your accounts or need to speak with someone at ACNB Bank, Secure Messages allow you to communicate directly with a ACNB Bank customer service representative. From the Secure Messages page, you can find replies, old messages or create new conversations.

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Click the Messages tab. A. Click on a message to open it. Messages are displayed on the left side of the screen. B. Messages automatically delete after a certain time. Check the box next to “This message should never expire” to prevent that message from being erased. C. Delete an opened message by clicking the icon or reply by clicking the icon. D. You can delete multiple messages at once. 1. Click the “Delete multiple” link. 2. Check the box next to the corresponding messages or check the box next to “Select All.” 3. Click the “Delete” link and then the Delete button to permanently delete the selected messages.

Getting Started: Secure Message Overview

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Getting Started Sending a Secure Message

Starting a new conversation through Online Banking is as effortless as sending an email. Unlike an email, you can safely include confidential information relating to your accounts or attach files within a new message.

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Click the Messages tab. 1. Create a new message by clicking the

icon in the top right corner.

2. Select the recipient from the drop-down. 3. Enter the subject. 4. Enter your message. 5. Click the Send message button when you are finished.

Getting Started: Sending a Secure Message

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User Managment 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 user is assigned a set of user rights that permits or prevents them from performing certain actions, such as: • Sending or drafting payments and creating templates for certain transaction types • The number of approvals that can be completed in a day or the dollar amount in a specific transaction • Accessing specific accounts • Managing recipients, users, subsidiaries and templates Authorized users can set up the features, accounts and rights each user needs to do their job. Establishing these rights gives users permission to perform specific tasks, helping you manage your business and making it run as smoothly as possible.

User Managment: Users Overview

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User Management Overview The User Management page lets you view all your existing users and their contact information in one easy place. From here, you can create users, edit rights and oversee your employees on a day-to-day basis.

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In the Commercial tab, click Users . A. The following information presents for each user: • Name

• Email address • Last login time

B. Click the icon to edit a user. C. Locked logins will appear in red. D. You can sort users in alphabetical or reverse alphabetical order by user, email address or last login order by clicking the icon next to the Users column.

User Managment: Users Overview

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Adding a New User An authorized user with Manage Users rights can set up a new user by first creating a profile and a unique login ID and password. Once you establish a user and their login credentials, you can begin assigning user rights by accessing their User Policy.

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In the Commercial tab, click Users . 1. Click the Add User button in the top right corner. 2. Enter the user’s first and last name and email address. 3. From the “Phone Country” drop-down, select the user’s country and enter their phone number. 4. Create a unique login ID for your new user. 5. Enter a password following our guidelines and confirm it. 6. Click the Save New User Details button at the bottom when you are finished.

User Managment: Users Overview

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User Managment Activate or Deactivate a User

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In the Commercial tab, click Users . 1. Find the user you want to edit and click the icon. 2. Activate or deactivate a user by clicking the “Edit Status” link.

User Managment: Activate or Deactivate a User

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User Managment Deleting a User

If you are assigned the Manage Users right, you have the ability to permanently delete a user that is no longer needed. This deletes their contact information from the User Management page and deactivates their Business Online Banking login ID, but it does not erase the data from an existing payment using that person.

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In the Commercial tab, click Users . 1. Find the user you want to remove and click the 2. Click the Delete button. 3. Click the Confirm button to permanently remove a user. icon.

User Managment: Deleting a User

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Recipients Recipient Overview

A recipient is any person or company that receives payments from your business. For easy access on the Recipient Management page, you can set up individual profiles, so funds can be sent to or received by a recipient. After they are created, so that you can include them in multiple payments or templates.

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In the Commercial tab, click Recipients . A. The following information presents for each recipient: • Name • Email address • Number of accounts they have B. Click the

icon next to the appropriate column to sort recipients by display

name, number of accounts, or email address. C. Click the icon to make edits to or delete a specific recipient or view payment history.

Recipients: Recipient Overview

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ACH Only - Part 1 of 2: Adding a Recipient If you are assigned the Manage Recipient right, you need to set up your recipients before you can send payments. In order to add a recipient, you need their contact and account information.

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In the Commercial tab, click Recipients . 1. Click the New Recipient button. 2. Enter a display name and the recipient’s email address. 3. Check the box next to “Send email notifications for template payments” to alert them when a payment is sent. 4. (Optional) Click the “+Add Account” link to add a new account. 5. Select a payment type using the “Payment Type” drop-down. 6. Select the recipient’s account type using the “Account Type” drop-down. 7. Enter the recipient’s account number. 8. (Optional) Enter the financial institution (FI). 9. Enter the recipient’s ACH routing number. 10. Click the icon to edit or remove a recipient’s account information. 11. Click the button when you are finished.

Recipients: Recipient Overview

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ACH Only - Part 2 of 2: Recipient Account Detail You need to provide a new recipient’s account information, including their financial institution (FI) and account number. Depending on the types of payments you plan on sending them, you need to specify how users are allowed to send funds to this recipient.

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1. Enter the ACH name and ID. 2. Use the drop-down to select the recipient’s country. 3. Enter the recipient’s street address. 4. Enter the recipient’s city. 5. Select the recipient’s state using the drop-down and enter the zip code. 6. Click the Save Recipient button.

Recipients: Recipient Overview

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ACH & Wire - Part 1 of 4: Adding a Recipient If you are assigned the Manage Recipient right, you need to set up your recipients before you can send payments. In order to add a recipient, you need their contact and account information.

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In the Commercial tab, click Recipients . 1. Click the New Recipient button. 2. Enter a display name and the recipient’s email address. 3. Check the box next to “Send email notifications for template payments” to alert them when a payment is sent. 4. (Optional) Click the “+Add Account” link to add a new account. 5. Select a payment type using the “Payment Type” drop-down. 6. Select the recipient’s account type using the “Account Type” drop-down. 7. Enter the recipient’s account number. 8. (Optional) Enter the financial institution (FI). 9. Enter the recipient’s ACH routing number. 10. Click the icon to edit or remove a recipient’s account information.

Recipients: Recipient Overview

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ACH & Wire - Part 2 of 4: Beneficiary Bank Detail When sending a wire, the beneficiary bank is the final bank that receives the funds. Depending on the payment type you selected in Part 1, you may need to provide beneficiary bank information.

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1. Enter the beneficiary bank’s name. 2. Enter the FI ABA number. 3. Enter its street address and city. 4. Select the state using the drop-down and enter its postal code.

Note: Incorrect beneficiary details are the main reason wire transfers are rejected. Be sure all information is correct before proceeding.

Recipients: Recipient Overview

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ACH & Wire - Part 3 of 4: Intermediary Bank Detail Some FIs use an in-between third-party bank called an intermediary bank to process funds. If your beneficiary bank requires an intermediary bank, you need the FI’s wire routing number and address.

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1. Enter the intermediary bank’s name and wire routing number. 2. Enter its street address and city. 3. Select the intermediary bank’s location using the “State” drop-down and enter its postal code. 4. Click the button.

Recipients: Recipient Overview

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ACH & Wire - Part 4 of 4: Recipient Account Detail You need to provide a new recipient’s account information, including their financial institution (FI) and account number. Depending on the types of payments you plan on sending, you need to specify how users are allowed to send funds to this recipient.

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1. Enter the wire name. 2. Enter the ACH name and ACH ID. 3. Select the recipient’s country using the drop-down, then enter their street address. 4. Enter the city and select the recipient’s state using the drop-down. 5. Enter the zip code. 6. Click the Save Recipient button.

Recipients: Recipient Overview

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Wires Only (Domestic) - Part 1 of 4: Adding a Recipient If you are assigned the Manage Recipient right, you need to set up your recipients before you can send payments. In order to add a recipient, you need their contact and account information.

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In the Commercial tab, click Recipients . 1. Click the New Recipient button. 2. Enter the recipient’s name and email address. 3. Check the box next to “Send email notifications for template payments” to alert them when a payment is sent. 4. (Optional) Click the “+Add Account” link to add a new account. 5. Select a payment type using the “Payment Type” drop-down. 6. Select Domestic from the “Beneficiary Type” drop-down. 7. Enter the recipient’s account number. 8. (Optional) Enter the financial institution (FI). 9. Click the icon to edit or remove a recipient’s account information.

Recipients: Recipient Overview

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Wires Only (Domestic) - Part 2 of 4: Beneficiary Bank Detail When sending a wire, the beneficiary bank is the final bank that receives the funds. Depending on the payment type you selected in Part 1, you may need to provide beneficiary bank information.

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1. Enter the beneficiary bank’s name. 2. Enter the FI ABA number. 3. Enter its street address and city. 4. Select the recipient’s state using the drop-down, and enter its postal code.

Note: Incorrect beneficiary details are the main reason wire transfers are rejected. Be sure all information is correct before proceeding.

Recipients: Recipient Overview

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Wires Only (Domestic) - Part 3 of 4: Intermediary Bank Detail Some FIs use an in-between third-party bank called an intermediary bank to process funds. If your beneficiary bank requires an intermediary bank, you need the FI’s wire routing number and address.

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1. Enter the intermediary bank’s name and wire routing number. 2. Enter its street address and city. 3. Select the intermediary bank’s location using the “State” drop-down, and enter its postal code. 4. Click the button.

Recipients: Recipient Overview

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Wires Only (Domestic) - Part 4 of 4: Recipient Account Detail You need to provide a new recipient’s account information, including their financial institution (FI) and account number. Depending on the types of payments you plan on sending them, you need to specify how users are allowed to send funds to this recipient.

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1. Enter the wire name. 2. Select the recipient’s country using the drop-down, then enter their street address. 3. Enter the city and select the recipient’s state using the drop-down. 4. Enter the zip code. 5. Click the Save Recipient button.

Recipients: Recipient Overview

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Wires Only (International) - Part 1 of 4: Adding a Recipient If you are assigned the Manage Recipient right, you need to set up your recipients before you can send payments. In order to add a recipient, you need their contact and account information.

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In the Commercial tab, click Recipients . 1. Click the New Recipient button. 2. Enter the recipient’s name and email address. 3. Check the box next to “Send email notifications for template payments” to alert them when a payment is sent. 4. (Optional) Click the “+Add Account” link to add a new account. 5. Select a payment type using the “Payment Type” drop-down. 6. Select International from the “Beneficiary Type” drop-down. 7. Select the recipient’s account type using the “International Account Type” drop-down. 8. (SWIFT/BIC Only) Enter the recipient’s account number. 9. Click the icon to edit or remove a recipient’s account information.

Recipients: Recipient Overview

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Wires Only (International) - Part 2 of 4: Beneficiary Bank Detail When sending a wire, the beneficiary bank is the final bank that receives the funds. Depending on the payment type you selected in Part 1, you may need to provide beneficiary bank information.

IBAN

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Account and SWIFT/BIC

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Account, IBAN and SWIFT/BIC

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1. Enter the beneficiary bank’s name. 2. Select the beneficiary’s country from the drop-down. 3. Depending on your international account type selection, enter either the recipient’s IBAN, SWIFT/BIC or both. 4. Enter the beneficiary’s address.

Note: Incorrect beneficiary details are the main reason wire transfers are rejected. Be sure all information is correct before proceeding.

Recipients: Recipient Overview

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Wires Only (International) - Part 3 of 4: Intermediary Bank Detail Some FIs use an in-between third-party bank called an intermediary bank to process funds. If your beneficiary bank requires an intermediary bank, you need the FI’s wire routing number and address.

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1. Enter the intermediary bank’s name, country and wire routing number. 2. Enter its street address and city. 3. Select the intermediary bank’s location using the “State” drop-down and enter its postal code. 4. Click the button.

Recipients: Recipient Overview

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Wires Only (International) - Part 4 of 4: Recipient Account Detail You need to provide a new recipient’s account information, including their financial institution (FI) and account number. Depending on the types of payments you plan on sending them, you need to specify how users are allowed to send funds to this recipient.

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1. Enter the wire name. 2. Select the recipient’s country using the drop-down. 3. Enter the recipient’s street address. 4. Enter the city and select the recipient’s state using the drop-down. 5. Enter the zip code. 6. Click the Save Recipient button.

Recipients: Recipient Overview

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Recipients Recipient Approval/Rejection

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In the Commercial tab, click Recipients . 1. Click the icon next to the recipient you would like to approve and select “Review Changes.” 2. Click the Reject New Recipient button to reject a recipient. 3. Click the Approve New Recipient button to approve a recipient.

Recipients: Recipient Approval/Rejection

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Recipients Editing a Recipient

If a recipient’s account or personal information changes, an authorized user can make those necessary edits from the Recipient Management page.

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In the Commercial tab, click Recipients . 1. Find the recipient you want to edit and click the icon. 2. Click the icon to edit or remove a recipient’s account information. 3. Edit the recipient’s details.

Recipients: Editing a Recipient

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Editing a Recipient’s Templates When you make changes to an existing recipient, you can view and edit which templates the recipient is assigned to. While viewing their templates, you can change their accounts or edit specific templates.

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Note: For additional information about editing a recipient’s assigned templates, go to page 43.

Recipients: Editing a Recipient

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Recipients Deleting a Recipient

If you are assigned the Manage Recipient right, you have the ability to permanently delete a recipient that is no longer needed. This deletes their contact information from the Recipient Management page, but it does not erase the data from any existing payments.

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In the Commercial tab, click Recipients . 1. Click the icon and select “Delete” to remove a recipient. 2. Click the Delete Recipient button to permanently delete a recipient.

Recipients: Deleting a Recipient

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Payments Payment Template Overview

If you have frequent repeating payments such as payroll or wires, you can set up a template so each transaction is fast and simple. These templates automate your routine transactions by making a payment model with detailed directions established by an authorized user. It’s a best practice to use a template for recurring payments.

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In the Commercial tab, click Payments . A. You can find specific templates by using the search bar or filter your templates using the provided filters. B. Click the transaction type, recipient, last paid date and last paid amount. C. Templates can be saved to your favorites by clicking the icon. D. Click the icon to make a payment, edit, copy or delete a template.

icon next to the appropriate column to sort templates by name,

Payments: Payment Template Overview

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Payments Creating a Template

If you are assigned Draft or Approval rights, you can create a template for recurring transactions. A template is a pre-made payment model. It contains detailed directions that can be used for repeated transactions. Using a template helps reduce mistakes, assign tasks and control payments. It’s a best practice to use a template for recurring payments.

Payments: Creating a Template

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ACH Batch Depending on your user rights, you can create a template for an ACH Batch. ACH Payments allows you to send multiple ACH payments. Creating a template helps reduce mistakes and keeps payments consistent.

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In the Commercial tab, click Payments . 1. Select a template type using the New Template button and choose “ACH Batch.” 2. If you need to change your payment type, click the “Change Type” link. 3. If you are adding more than one recipient, you can upload a Comma Separated Values (CSV) document by clicking the “Import Amounts” link. This option only appears when more than one recipient is selected. 4. Enter the template name. 5. Select the users that have access to the template by clicking the link.

Payments: Creating a Template

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6. Select an SEC code using the drop-down. For the SEC code, select either Individual (PPD) or Company (CCD). 7. If applicable Enter an ACH Company Entry description. 8. Select the From Subsidiary account, if required. 9. Select an account. 10. Click the “+ multiple recipients” link to add several recipients at once. 11. Use the search bar to locate a specific recipient. 12. Click the icon to expand or collapse selected recipients. 13. Select a recipient. 14. Enter an amount. 15. Click the icon to copy, remove or expand row on a specific recipient. 16. Click the “Show Details” link to view recipient information. 17. Enter an addendum. 18. You can add another recipient by clicking the “+Add another recipient” link. 19. Click the Save button.

Payments: Creating a Template

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ACH Payment Depending on your user rights, you can create a template for an ACH Payment. An ACH Payment allows you to send a payment to a single recipient. Creating a template helps reduce mistakes and keeps payments consistent.

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In the Transactions tab, click Payments . 1. Select a template type using the New Template button and choose “ACH Payment.” 2. If you need to change your payment type, click the “Change Type” link. 3. Enter the template name. 4. Select the users that have access to the template by clicking the link. 5. Select an SEC code using the drop-down. For the SEC code, select either Individual (PPD) or Company (CCD). 6. Enter the Company Entry Description. 7. Select the From Subsidiary account, if required. 8. Select an account.

Payments: Creating a Template

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9. Select a recipient. 10. Enter an amount. 11. Click the icon to expand, view details or notify a specific recipient. 12. Click the “Show Details” link to view recipient information.

13. Enter an addendum. 14. Click the Save button.

Payments: Creating a Template