Banner Bank Commercial Online eGuide

Commercial Online User Guide

II

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

St. Louis, MO 63021 www.mcompany.com

© 2009-2023 Murphy & Company, Inc. Microsoft, Microsoft Money, Windows and Internet Explorer are registered trademarks of Microsoft Corporation. Firefox is a registered trademark of the Mozilla Foundation. Quicken is a registered trademark of Intuit, Inc. Macintosh is a registered trademark of Apple Computer, Inc. Adobe Reader is a registered trademark of Adobe Systems, Inc. © 2012 Portions of this guide were written by Q2eBanking.

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.

1

Getting Started

Welcome to Commercial Online with Banner Bank. Whether at home or at the office, from a mobile phone, tablet or laptop, we strive to make your online banking experience easy and convenient. While rich with additional features and security options, you’ll find Commercial Online services intuitive and easy to use. Explore the possibilites and determine which functions will best help you achieve your financial goals. Use as much or as little as you need, the choice is yours. 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 Banner’s Treasury Management Support team at 877-856-7933, or by email at treasurymanagement@bannerbank.com

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Table of Contents Getting Started

Commercial Online Banking Overview.......................................................................7 Users........................................................................................................................................ 7 Recipients................................................................................................................................ 7 Commercial Payment Transaction Types Available........................................................... 8 Logging In.......................................................................................................................9 Logging Off.............................................................................................................................. 9 Resetting A Forgotten Password...............................................................................10 Home Page Overview..................................................................................................12 Account Summary Overview............................................................................................... 14 Account Details Overview...........................................................................................15 Quick Transfer.............................................................................................................17 Account Nickname......................................................................................................18 Details & Settings........................................................................................................19 Account Grouping.......................................................................................................20 Editing a Group Name......................................................................................................... 21 Deleting a Group.................................................................................................................. 21 Security Protecting Your Information......................................................................................22 Security Preferences...................................................................................................25 Change Password................................................................................................................. 25 Change Login ID................................................................................................................... 26 Secure Delivery..................................................................................................................... 27 Mobile Security Preferences......................................................................................28 Enabling Touch ID or Fingerprint Login............................................................................. 28 Enabling Face ID................................................................................................................... 30 Enabling Passcode Authentication..................................................................................... 31 Disabling Passcode Authentication, Touch ID/Face ID or Fingerprint Login............................................................................................................. 32 Alerts Overview............................................................................................................33 Account Alerts....................................................................................................................... 34 History Alerts........................................................................................................................ 35 Non-Online Transaction Alerts........................................................................................... 36 Online Transaction Alerts.................................................................................................... 37 Reminder............................................................................................................................... 38 Security Alerts Overview.............................................................................................39 Edit Delivery Preferences.................................................................................................... 39 Secure Message Overview.........................................................................................40 Sending a Secure Message.........................................................................................41

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Transactions Loan Payments............................................................................................................42 Funds Transfer.............................................................................................................43 Individual Transfers............................................................................................................. 43 Multi-Account Transfers Overview..................................................................................... 45 Multi-Account Transfers- Creating a Template................................................................. 46 Multi-Account Transfers- Single Transfer.......................................................................... 48 Editing a Multi-Account Transfer Template..............................................................50 Deleting a Multi-Account Transfer Template...........................................................51 Activity Center Overview............................................................................................52 Using Filters........................................................................................................................... 53 Creating or Deleting Custom Views Using Favorites........................................................ 53 Editing Transactions............................................................................................................. 54 Canceling Transactions........................................................................................................ 55 Commercial Services Editing Company Policy..............................................................................................56 Company Policy Part 1 of 11: Choosing a Transaction to Edit in Company Policy.................................... 56 Part 2 of 11: Approval Limits............................................................................................... 57 Part 3 of 11: Allowed Actions ............................................................................................. 58 Part 4 of 11: Amount ........................................................................................................... 58 Part 5 of 11: Approvals ....................................................................................................... 59 Part 6 of 11: Choosing the Subsidiaries............................................................................. 59 Part 7 of 11: Choosing the Accounts.................................................................................. 60 Part 8 of 11: Choosing the Drafting Hours........................................................................ 61 Part 9 of 11: Choosing the Location................................................................................... 62 Part 10 of 11: Choosing the IP Address............................................................................. 63 Part 11 of 11: Choosing the SEC Code............................................................................... 64 Company Policy Tester........................................................................................................ 65 Viewing Rights to Access Features..................................................................................... 67 Establishing Rights to Access Accounts............................................................................. 68 Creating and Editing Account Labels................................................................................. 69 User Roles Overview...................................................................................................70 User Roles Creating, Editing or Copying a User Role..................................................................71 Part 1 of 10: Choosing a Transaction to Edit in User Roles............................................. 72 Part 2 of 10: Establishing Transaction Type Rights.......................................................... 73 Part 3 of 10: Approval Limits............................................................................................... 74 Part 4 of 10: Disabling a Transaction Type........................................................................ 75

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Part 5 of 10: Allowed Actions ............................................................................................. 76 Part 6 of 10: Enabling Operation Rights............................................................................ 77 Part 7 of 10: Choosing the Maximum Draft Amount....................................................... 78 Part 8 of 10: Selecting Subsidiaries.................................................................................... 78 Part 9 of 10: Enabling Allowed Accounts........................................................................... 79 Part 10 of 10: Choosing Drafting Hours............................................................................. 80 User Role Policy Tester........................................................................................................ 81 Deleting Allowed Actions..................................................................................................... 83 Establishing Rights to Access Features.............................................................................. 84 Establishing Rights to Access Accounts............................................................................. 85 Deleting a User Role....................................................................................................86 Users Overview............................................................................................................87 Manage users User Management Overview.............................................................................................. 88 Adding a New User .............................................................................................................. 89 Editing a User...............................................................................................................90 Admin Password and Login Reset.............................................................................91 Deleting a User............................................................................................................92 Recipient Management Recipient Overview......................................................................................................93 ACH Only- Part 1 of 2: Adding a Recipient......................................................................... 94 ACH Only- Part 2 of 2: Recipient Account Detail............................................................... 95 ACH & Wire- Part 1 of 4: Adding a Recipient..................................................................... 96 ACH & Wire- Part 2 of 4: Beneficiary FI Detail................................................................... 97 ACH & Wire- Part 3 of 4: Intermediary FI Detail................................................................ 98 ACH & Wire- Part 4 of 4: Recipient Account Detail........................................................... 99 Wires Only (Domestic) - Part 1 of 4: Adding a Recipient............................................... 100 Wires Only (Domestic)- Part 2 of 4: Beneficiary FI Detail.............................................. 101 Wires Only (Domestic)- Part 3 of 4: Intermediary FI Detail.......................................... 102 Wires Only (Domestic)- Part 4 of 4: Recipient Account Detail...................................... 103 Editing a Recipient....................................................................................................104 Editing a Recipient’s Templates....................................................................................... 105 Deleting a Recipient.................................................................................................106 ACH and Domestic Wire Payments Payment Template Overview..................................................................................107 Creating a Template.................................................................................................108 ACH Batch........................................................................................................................... 109 ACH Collection................................................................................................................... 111 ACH Payments................................................................................................................... 113

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ACH Receipt........................................................................................................................ 115 Domestic Wire................................................................................................................... 117 Payroll................................................................................................................................. 119 Sending a Single Payment.......................................................................................121 ACH Batch........................................................................................................................... 121 ACH Payment..................................................................................................................... 124 ACH Collection................................................................................................................... 126 ACH Receipt........................................................................................................................ 129 Domestic Wire................................................................................................................... 131 Payroll................................................................................................................................. 134 Splitting a Payment........................................................................................................... 136 Viewing, Approving or Canceling a Transaction...................................................137 Single Transaction............................................................................................................. 137 Multiple Transactions....................................................................................................... 138 Mobile Authorizations.............................................................................................139 Editing or Using a Template....................................................................................141 Deleting a Template.................................................................................................142 Tax Payments............................................................................................................143 Payment From File...................................................................................................145 Wire Activity..............................................................................................................147 ACH Pass-Thru..........................................................................................................148 ACH NACHA Upload Errors.............................................................................................. 149 ACH NACHA Upload Details ............................................................................................ 150 Reports Reports Overview.....................................................................................................151 Company User Activity Report......................................................................................... 152 Wire Online Origination Report....................................................................................... 153 Company Entitlements Report........................................................................................ 154 ACH Activity Report - Current Day................................................................................... 155 Balance and Activity Statement - Current Day............................................................... 156 Checks Paid - Current Day................................................................................................ 157 User Defined Report - Current Day................................................................................. 158 Wire Transfer Report - Current Day................................................................................ 159 ACH Activity Report - Previous Day(s)............................................................................. 160 Cash Position Report - Previous Day(s)........................................................................... 161 Balance and Activity Statement - Previous Day(s)......................................................... 162 Editing a Report........................................................................................................163 Deleting a Report......................................................................................................164

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Positive Pay Introduction. ............................................................................................................. 165 Managing Exceptions...............................................................................................166 Viewing Positive Pay Decisions........................................................................................ 168 Add a Check Confirmation......................................................................................169 Submit Issued Check File.........................................................................................170 Positive Pay: Advanced Options Introduction. ............................................................................................................. 171 Quick Exception Processing....................................................................................172 Submit Issued Check File.........................................................................................175 Add New Issued Check File.....................................................................................176 Void a Check..............................................................................................................177 Check Search.............................................................................................................178 Transaction Extracts.................................................................................................180 ACH Transaction Search..........................................................................................181 ACH Reporting..........................................................................................................182 Daily Checks Issued Summary................................................................................183 Stops and Voids........................................................................................................184 Exception Items........................................................................................................185 Stale Dated Checks...................................................................................................186 Payee Match Report.................................................................................................187 Issued Check File Processing Log...........................................................................188 File Mapping..............................................................................................................189 Services Statements................................................................................................................ 190 Text Enrollment........................................................................................................191 Stop Payment Request............................................................................................192 Reordering Checks...................................................................................................193 Change of Address...................................................................................................194 Settings Account Preferences................................................................................................195 Locations Branches and ATMs.................................................................................................196

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7

Getting Started

Commercial Online Banking Overview No matter the size or complexity of your business, Commercial Online can efficiently serve your needs. Your first step will be to determine who at your business should have access to Commercial Online, and then their level of system access. If you will be processing online payments, you will need to establish recipients for those transactions. After setting up these key entities, you can jump right in and start your Commecial Online experience! Users If your business only needs one person with access to Commercial Online, you can set up a single login ID and password. While Commercial Online makes a number of reporting and security features available, you decide which ones are appropriate for your company. For larger organizations, our system lets you establish multiple login IDs and passwords for authorized employees. You will establish your Company Policy based upon the features and services your company will be using, and any applicable transaction limits approved for your company. You can then establish your User Roles using either the pre-defined user templates we provide, or creating your own User Role templates. Well-definted User Roles help you organize and easily assign employee access to different online features and functionality, based upon the employee’s role in your company and/or their “need to know.” Recipients Recipients are individuals or businesses to whom you send money using one or more payment features offered through Commercial Online. After creating a recipient profile, you can then choose the method to send them a payment along with the respective transaction details. Each recipient profile created can be saved to facilitate future payments to the same individual or business.

Getting Started: Commercial Online Banking Overview

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Various types of payment methods are offered through Commercial Online, including ACH and wire transfers. Both offer safe and efficient electronic payments, and can be used to make same day payments as needed. Please contact us at 877-856-7933, or by email at treasurymanagement@ bannerbank.com if you have any questions regarding ACH or wire processing. You’ll find the deadlines for payment transactions posted on your Home Page within Commercial Online. Commercial Payment Transaction Types Available (Note: your company may not have elected to use all of the payment types available.)

Type

Description

Upload a NACHA-formatted file.

ACH Pass-Thru

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 country in either US dollars or a foreign currency using Banner’s international wire application. Send payroll to several recipients. If a recipient has more than one account, you can split that payment into several accounts.

International Wire

Payroll

Send same day ACH payments to an individual or multiple recipients..

Same Day ACH

Send federal, state or local tax authority payments.

Tax Payment

Getting Started: Commercial Online Banking Overview

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Getting Started

Logging In Once your company has been enrolled in Commercial Online, logging in is easy and only requires your login ID and password. If you are logging in using a device that you have not previously registered, you will need to request a Secure Access Code (SAC).

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1. On our Home page select Business and then Business Online Banking from the Online Banking drop-down. 2. Click the Sign In button. 3. Enter your login ID and password. 4. Click the Log In button. 10a 1a 2a 3a 4a 5a 6a 7a 8a 9a 10b 1b 2b 3b 4b 5b 6b 7b 8b 9b 10c 1c 2c 3c 4c 5c 6c 7c 8c 9c 10d 1d 2d 3d 4d 5d 6d 7d 8d 9d J KLMNOPQRST U V W X Y Z A B C D E F G H I 10 11 12 13 14 15 16 17 18 19 20 21 22 23 24 25 26 27 28 29 30 1 2 3 4 5 6 7 8 9 10a 1a 2a 3a 4a 5a 6a 7a 8a 9a 10b 1b 2b 3b 4b 5b 6b 7b 8b 9b 10c 1c 2c 3c 4c 5c 6c 7c 8c 9c 10d 1d 2d 3d 4d 5d 6d 7d 8d 9d J KLMNOPQRST U V W X Y Z A B C D E F G H I Note : If you enter an incorrect password too many times, your account will be temporarily locked. Please see your Administrator for assistance or contact us for support. Logging Off For your security, you should always log off when you finish your Online Banking 11a 12a 13a 14a 15a 16a 17a 18a 19a 20a 11b 12b 13b 14b 15b 16b 17b 18b 19b 20b J1 A1 B1 C1 D1 E1 F1 G1 H1 I1 J2 A2 B2 C2 D2 E2 F2 G2 H2 I2 J3 A3 B3 C3 D3 E3 F3 G3 H3 I3 11a 12a 13a 14a 15a 16a 17a 18a 19a 20a 11b 12b 13b 14b 15b 16b 17b 18b 19b 20b J1 A1 B1 C1 D1 E1 F1 G1 H1 I1 A2 B2 C2 D2 E2 F2 G2 H2 I2 10 11 12 13 14 15 16 17 18 19 20 21 22 23 24 25 26 27 28 29 30 1 2 3 4 5 6 7 8 9 J2

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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. A3 B3 C3 D3 E3 F3 G3 H3 I3

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Getting Started: Logging In

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Getting Started

Resetting A Forgotten Password

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

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1. Click “ Forgot your password? ” to reset your password. 2. Enter your login ID and click the Submit button.

Note : You may not be able to change your password if your account is locked or if you are resetting your password from an unregistered device.

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Getting Started: Resetting A Forgotten Password

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3. Choose the contact method that allows Banner Bank to reach you immediately with a 6-digit Secure Access Code (SAC). 4. Enter the SAC and click the Submit button. 5. Create a new password based on our password requirements (see screenshot above) and click the Submit button when you are finished.

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Getting Started: Resetting A Forgotten Password

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Home Page

Home Page Overview

After logging in, you are taken directly to the Home page. This page is divided into three convenient sections to help you navigate to every feature within Online Banking. Here you can view the balances in your Banner Bank accounts, see your account summaries and more! 10

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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 Banner Bank accounts are displayed in individual account tiles with their corresponding balances. 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. If you click and hold an account card, you can drag and drop it to a new location to change the order in which your accounts appear. G. The Quick Actions links in the top right corner let you quickly access different Online Banking features. H. View a list of important deadlines and bank holidays. I. Quickly access positive pay exceptions, transaction approvals, locked logins, and your favorite reports.

Getting Started: Home Page Overview

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10 11 12 13 14 15 16 17 18 19 20 21 22 23 24 25 26 27 28 29 30 1 2 3 4 5 6 7 8 9 J KLMNOPQRST U V W X Y Z A B C D E F G H I 10a 1a 2a 3a 4a 5a 6a 7a 8a 9a 10b 1b 2b 3b 4b 5b 6b 7b 8b 9b 10c 1c 2c 3c 4c 5c 6c 7c 8c 9c 10d 1d 2d 3d 4d 5d 6d 7d 8d 9d J2 A. The Total Assets widget gives you the total amount of money in your accounts and breaks down those funds into percentages. B. Each colored piece represents one of your Banner Bank accounts and displays its percentage of total funds as well as the balance. C. Clicking "Next" or "Previous" lets you view different accounts and details. D. You can click the "View Transactions" link for more information. 10a 1a 2a 3a 4a 5a 6a 7a 8a 9a 10b 1b 2b 3b 4b 5b 6b 7b 8b 9b 10c 1c 2c 3c 4c 5c 6c 7c 8c 9c 10d 11a 12a 13a 14a 15a 16a 17a 18a 19a 20a 11b 12b 13b 14b 15b 16b 17b 18b 19b 20b 1d 2d 3d 4d 5d 6d 7d 8d 9d J1 A1 B1 C1 D1 E1 F1 G1 H1 I1 11a 12a 13a 14a 15a 16a 17a 18a 19a 20a 10 11 12 13 14 15 16 17 18 19 20 21 22 23 24 25 26 27 28 29 30 1 2 3 4 5 6 7 8 9 J KLMNOPQRST U V W X Y Z A B C D E F G H I 10 11 12 13 14 15 16 17 18 19 20 21 22 23 24 25 26 27 28 29 30 1 2 3 4 5 6 7 8 9 J KLMNOPQRST U V W X Y Z A B C D E F G H I 10a 1a 2a 3a 4a 5a 6a 7a 8a 9a 10b 1b 2b 3b 4b 5b 6b 7b 8b 9b 10c 1c 2c 3c 4c 5c 6c 7c 8c 9c 10d 1d 2d 3d 4d 5d 6d 7d 8d 9d 11a 12a 13a 14a 15a 16a 17a 18a 19a 20a 11b 12b 13b 14b 15b 16b 17b 18b 19b 20b A1 B1 C1 D1 E1 F1 G1 H1 I1 A2 B2 C2 D2 E2 F2 G2 H2 I2 J3 A3 B3 C3 D3 E3 F3 G3 H3 I3 A2 B2 C2 D2 E2 F2 G2 H2 I2 Account Summary Overview If you ever need to quickly assess how much money is in all of your accounts, you can scroll down to the Account Summary graphic on the Home page. This interactive chart represents your total assets, represented by specific colors and percentages. J2

10 11 12 13 14 15 16 17 18 19 20 21 22 23 24 25 26 27 28 29 30 1 2 3 4 5 6 7 8 9 J KLMNOPQRST U V W X Y Z A B C D E F G H I 10a 1a 2a 3a 4a 5a 6a 7a 8a 9a 10b 1b 2b 3b 4b 5b 6b 7b 8b 9b 10c 1c 2c 3c 4c 5c 6c 7c 8c 9c 10d 1d 2d 3d 4d 5d 6d 7d 8d 9d J1

11a 12a 13a 14a 15a 16a 17a 18a 19a 20a

11b 12b 13b 14b 15b 16b 17b 18b 19b 20b

11b 12b 13b 14b 15b 16b 17b 18b 19b 20b

J3

A3 B3 C3 D3 E3 F3 G3 H3 I3

A1 B1 C1 D1 E1 F1 G1 H1 I1

J1

A1 B1 C1 D1 E1 F1 G1 H1 I1

J1

J2

A2 B2 C2 D2 E2 F2 G2 H2 I2

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A2 B2 C2 D2 E2 F2 G2 H2 I2

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A3 B3 C3 D3 E3 F3 G3 H3 I3

J3

A3 B3 C3 D3 E3 F3 G3 H3 I3

Getting Started: Home Page Overview

15

Home Page

Account Details Overview

Selecting a Banner Bank account on the Home page takes you to the Account Details page, where you can view every transaction pertaining to that account. From here, you can view details such as type of transaction, check images and account balances so you stay organized and on top of your finances.

10 11 12 13 14 15 16 17 18 19 20 21 22 23 24 25 26 27 28 29 30 1 2 3 4 5 6 7 8 9 J KLMNOPQRST U V W X Y Z A B C D E F G H I 10a 1a 2a 3a 4a 5a 6a 7a 8a 9a 10b 1b 2b 3b 4b 5b 6b 7b 8b 9b 10c 1c 2c 3c 4c 5c 6c 7c 8c 9c 10d 1d 2d 3d 4d 5d 6d 7d 8d 9d 10 11 12 13 14 15 16 17 18 19 20 21 22 23 24 25 26 27 28 29 30 1 2 3 4 5 6 7 8 9 J KLMNOPQRST U V W X Y Z A B C D E F G H I 11a 12a 13a 14a 15a 16a 17a 18a 19a 20a 11b 12b 13b 14b 15b 16b 17b 18b 19b 20b J1 A1 B1 C1 D1 E1 F1 G1 H1 I1 A2 B2 C2 D2 E2 F2 G2 H2 I2 J3 A3 B3 C3 D3 E3 F3 G3 H3 I3 10a 1a 2a 3a 4a 5a 6a 7a 8a 9a 10b 1b 2b 3b 4b 5b 6b 7b 8b 9b 10c 1c 2c 3c 4c 5c 6c 7c 8c 9c 10d 1d 2d 3d 4d 5d 6d 7d 8d 9d

10 11 12 13 14 15 16 17 18 19 20 21 22 23 24 25 26 27 28 29 30 1 2 3 4 5 6 7 8 9 J KLMNOPQRST U V W X Y Z A B C D E F G H I 10 11 12 13 14 15 16 17 18 19 20 21 22 23 24 25 26 27 28 29 30 1 2 3 4 5 6 7 8 9 J KLMNOPQRST U V W X Y Z A B C D E F G H I 10 11 12 13 14 15 16 17 18 19 20 21 22 23 24 25 26 27 28 29 30 10a 1a 2a 3a 4a 5a 6a 7a 8a 9a 10b 1b 2b 3b 4b 5b 6b 7b 8b 9b 10c 1c 2c 3c 4c 5c 6c 7c 8c 9c 10d 1d 2d 3d 4d 5d 6d 7d 8d 9d J 10 11 12 13 14 15 16 17 18 19 20 21 22 23 24 25 26 27 28 29 30 10a 1a 2a 3a 4a 5a 6a 7a 8a 9a 10b 1b 2b 3b 4b 5b 6b 7b 8b 9b 10c 1c 2c 3c 4c 5c 6c 7c 8c 9c 10d 1d 2d 3d 4d 5d 6d 7d 8d 9d J 10 11 12 13 14 15 16 17 18 19 20 21 22 23 24 25 26 27 28 29 30 10a 1a 2a 3a 4a 5a 6a 7a 8a 9a 10b 1b 2b 3b 4b 5b 6b 7b 8b 9b 10c 1c 2c 3c 4c 5c 6c 7c 8c 9c 10d 1d 2d 3d 4d 5d 6d 7d 8d 9d J 10 11 12 13 14 15 16 17 18 19 20 21 22 23 24 25 26 27 28 29 30 10a 1a 2a 3a 4a 5a 6a 7a 8a 9a 10b 1b 2b 3b 4b 5b 6b 7b 8b 9b 10c 1c 2c 3c 4c 5c 6c 7c 8c 9c 10d 1d 2d 3d 4d 5d 6d 7d 8d 9d J 10a 1a 2a 3a 4a 5a 6a 7a 8a 9a 10b 1b 2b 3b 4b 5b 6b 7b 8b 9b 10c 1c 2c 3c 4c 5c 6c 7c 8c 9c 10d 1d 2d 3d 4d 5d 6d 7d 8d 9d 10a 1a 2a 3a 4a 5a 6a 7a 8a 9a 10b 1b 2b 3b 4b 5b 6b 7b 8b 9b 10c 1c 2c 3c 4c 5c 6c 7c 8c 9c 10d 1d 2d 3d 4d 5d 6d 7d 8d 9d 11a 12a 13a 14a 15a 16a 17a 18a 19a 20a 11b 12b 13b 14b 15b 16b 17b 18b 19b 20b 11a 12a 13a 14a 15a 16a 17a 18a 19a 20a 11a 12a 13a 14a 15a 16a 17a 18a 19a 20a 11a 12a 13a 14a 15a 16a 17a 18a 19a 20a 11a 12a 13a 14a 15a 16a 17a 18a 19a 20a 11a 12a 13a 14a 15a 16a 17a 18a 19a 20a A1 B1 C1 D1 E1 F1 G1 H1 I1 11b 12b 13b 14b 15b 16b 17b 18b 19b 20b 11b 12b 13b 14b 15b 16b 17b 18b 19b 20b 11b 12b 13b 14b 15b 16b 17b 18b 19b 20b 11b 12b 13b 14b 15b 16b 17b 18b 19b 20b 11b 12b 13b 14b 15b 16b 17b 18b 19b 20b A2 B2 C2 D2 E2 F2 G2 H2 I2 A1 B1 C1 D1 E1 F1 G1 H1 I1 A1 B1 C1 D1 E1 F1 G1 H1 I1 A1 B1 C1 D1 E1 F1 G1 H1 I1 A1 B1 C1 D1 E1 F1 G1 H1 I1 A1 B1 C1 D1 E1 F1 G1 H1 I1 A3 B3 C3 D3 E3 F3 G3 H3 I3 A2 B2 C2 D2 E2 F2 G2 H2 I2 A2 B2 C2 D2 E2 F2 G2 H2 I2 A2 B2 C2 D2 E2 F2 G2 H2 I2 A2 B2 C2 D2 E2 F2 G2 H2 I2 A2 B2 C2 D2 E2 F2 G2 H2 I2 J1 J1 J2 J1 J2 J1 J2 J1 J2 J1 J2 J3 J2

10 15 16 17 18 19 20 25 26 27 28 29 30 5 6 7 8 9 J O P Q R S T Y Z E F G H I 10a 5a 6a 7a 8a 9a 10b 5b 6b 7b 8b 9b 10c 5c 6c 7c 8c 9c 10d 5d 6d 7d 8d 9d

J2 J KLMNOPQRST U V W X Y Z A B C D E F G H I 10 11 12 13 14 15 16 17 18 19 20 21 22 23 24 25 26 27 28 29 30 1 2 3 4 5 6 7 8 9 10a 1a 2a 3a 4a 5a 6a 7a 8a 9a 10b 1b 2b 3b 4b 5b 6b 7b 8b 9b 10c 1c 2c 3c 4c 5c 6c 7c 8c 9c 10d 1d 2d 3d 4d 5d 6d 7d 8d 9d

15a 16a 17a 18a 19a 20a

J3

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A3 B3 C3 D3 E3 F3 G3 H3 I3 A3 B3 C3 D3 E3 F3 G3 H3 I3 A3 B3 C3 D3 E3 F3 G3 H3 I3 A3 B3 C3 D3 E3 F3 G3 H3 I3 A3 B3 C3 D3 E3 F3 G3 H3 I3

11a 12a 13a 14a 15a 16a 17a 18a 19a 20a

15b 16b 17b 18b 19b 20b

11a 12a 13a 14a 15a 16a 17a 18a 19a 20a

J1

E1 F1 G1 H1 I1

11b 12b 13b 14b 15b 16b 17b 18b 19b 20b

11b 12b 13b 14b 15b 16b 17b 18b 19b 20b

A1 B1 C1 D1 E1 F1 G1 H1 I1

J1

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E2 F2 G2 H2 I2

A1 B1 C1 D1 E1 F1 G1 H1 I1

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E3 F3 G3 H3 I3

A2 B2 C2 D2 E2 F2 G2 H2 I2

J2

A2 B2 C2 D2 E2 F2 G2 H2 I2

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J3 A3 B3 C3 D3 E3 F3 G3 H3 I3

A3 B3 C3 D3 E3 F3 G3 H3 I3

Getting Started: Account Details Overview

16

A. On the Home page, you can click on an account name to view the Account Details screen. B. The current and available balances of that account displayed in the top right corner. C. The icon opens the search bar to find transactions with that account. D. Transactions can be sorted by time and date, type, amount or check number. Click the icon for more options. E. Make a quick transfer by clicking the icon. See page 17 for additional details. F. Export your transactions into a different format by clicking the icon. G. The icon lets you send a secure message about that account or print a list of transactions. H. The icon indicates how the Date, Description and Amount columns are sorted. I. You can view more details about a transaction by clicking on it. J. The icon lets you open the transactions to see additional details or print the details of that transaction.

Getting Started: Account Details Overview

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Home Page Quick Transfer

No need to run to a branch to move money from one account to another! If you’re ever in a rush, the Quick Transfer option provides you with a simple way to do those transactions.

10 11 12 13 14 15 16 17 18 19 20 21 22 23 24 25 26 27 28 29 30 1 2 3 4 5 6 7 8 9 J KLMNOPQRST U V W X Y Z A B C D E F G H I J2 A2 B2 C2 D2 E2 F2 G2 H2 I2 J3 A3 B3 C3 D3 E3 F3 G3 H3 I3 10a 1a 2a 3a 4a 5a 6a 7a 8a 9a 10b 1b 2b 3b 4b 5b 6b 7b 8b 9b 10c 1c 2c 3c 4c 5c 6c 7c 8c 9c 10d 1d 2d 3d 4d 5d 6d 7d 8d 9d A1 B1 C1 D1 E1 F1 G1 H1 I1 10 11 12 13 14 15 16 17 18 19 20 21 22 23 24 25 26 27 28 29 30 1 2 3 4 5 6 7 8 9 J KLMNOPQRST U V W X Y Z A B C D E F G H I 10a 1a 2a 3a 4a 5a 6a 7a 8a 9a 10b 1b 2b 3b 4b 5b 6b 7b 8b 9b 10c 1c 2c 3c 4c 5c 6c 7c 8c 9c 10d 1d 2d 3d 4d 5d 6d 7d 8d 9d 11a 12a 13a 14a 15a 16a 17a 18a 19a 20a 11b 12b 13b 14b 15b 16b 17b 18b 19b 20b J1

10 11 12 13 14 15 16 17 18 19 20 21 22 23 24 25 26 27 28 29 30 1 2 3 4 5 6 7 8 9 J KLMNOPQRST U V W X Y Z A B C D E F G H I

10 11 12 13 14 15 16 17 18 19 20 21 22 23 24 25 26 27 28 29 30 1 2 3 4 5 6 7 8 9

1. Click the 10 11 12 13 14 15 16 17 18 19 20 21 22 23 24 25 26 27 28 29 30 1 2 3 4 5 6 7 8 9 J KLMNOPQRST U V W X Y Z A B C D E F G H I Transfer. 2. Use the “From” and “To” drop-downs to choose an account to send and receive the funds. 3. Enter an amount to transfer. 4. (Optional) Click the Advanced Options button to be redirected to the Funds Transfer feature. 5. Click the Transfer Funds button when you are finished. 10a 1a 2a 3a 4a 5a 6a 7a 8a 9a 10b 1b 2b 3b 4b 5b 6b 7b 8b 9b 10c 1c 2c 3c 4c 5c 6c 7c 8c 9c 10d 11a 12a 13a 14a 15a 16a 17a 18a 19a 20a 11b 12b 13b 14b 15b 16b 17b 18b 19b 20b 1d 2d 3d 4d 5d 6d 7d 8d 9d J1 A1 B1 C1 D1 E1 F1 G1 H1 I1 J2 A2 B2 C2 D2 E2 F2 G2 H2 I2 J3 A3 B3 C3 D3 E3 F3 G3 H3 I3 10a 1a 2a 3a 4a 5a 6a 7a 8a 9a 10b 1b 2b 3b 4b 5b 6b 7b 8b 9b 10c 1c 2c 3c 4c 5c 6c 7c 8c 9c 10d 11a 12a 13a 14a 15a 16a 17a 18a 19a 20a 11b 12b 13b 14b 15b 16b 17b 18b 19b 20b 1d 2d 3d 4d 5d 6d 7d 8d 9d J KLMNOPQRST U V W X Y Z A B C D E F G H I 10a 1a 2a 3a 4a 5a 6a 7a 8a 9a 10b 1b 2b 3b 4b 5b 6b 7b 8b 9b 10c 1c 2c 3c 4c 5c 6c 7c 8c 9c 10d 1d 2d 3d 4d 5d 6d 7d 8d 9d icon on the right side of an account card and select Quick

A1 B1 C1 D1 E1 F1 G1 H1 I1 11a 12a 13a 14a 15a 16a 17a 18a 19a 20a A2 B2 C2 D2 E2 F2 G2 H2 I2 11b 12b 13b 14b 15b 16b 17b 18b 19b 20b A3 B3 C3 D3 E3 F3 G3 H3 I3 A1 B1 C1 D1 E1 F1 G1 H1 I1 J1

J1

11a 12a 13a 14a 15a 16a 17a 18a 19a 20a

J2

11b 12b 13b 14b 15b 16b 17b 18b 19b 20b

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Getting Started: Quick Transfer A1 B1 C1 D1 E1 F1 G1 H1 I1 A2 B2 C2 D2 E2 F2 G2 H2 I2

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A2 B2 C2 D2 E2 F2 G2 H2 I2

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A3 B3 C3 D3 E3 F3 G3 H3 I3

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A3 B3 C3 D3 E3 F3 G3 H3 I3

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Home Page

Account Nickname

Change an account’s nickname directly from the home page.

10 11 12 13 14 15 16 17 18 19 20 21 22 23 24 25 26 27 28 29 30 1 2 3 4 5 6 7 8 9 J KLMNOPQRST U V W X Y Z A B C D E F G H I 10a 1a 2a 3a 4a 5a 6a 7a 8a 9a 10b 1b 2b 3b 4b 5b 6b 7b 8b 9b 10c 1c 2c 3c 4c 5c 6c 7c 8c 9c 10d 1d 2d 3d 4d 5d 6d 7d 8d 9d

11a 12a 13a 14a 15a 16a 17a 18a 19a 20a

11b 12b 13b 14b 15b 16b 17b 18b 19b 20b

A1 B1 C1 D1 E1 F1 G1 H1 I1

J1

J2

A2 B2 C2 D2 E2 F2 G2 H2 I2

J3 11 12 13 14 15 16 21 22 23 24 25 26 1 2 3 4 5 6 K L M N O P U V W X Y Z A B C D E F 11 12 13 14 15 16 17 21 22 23 24 25 26 27 1 2 3 4 5 6 7 1a 2a 3a 4a 5a 6a 1b 2b 3b 4b 5b 6b 1c 2c 3c 4c 5c 6c 11a 12a 13a 14a 15a 16a 1a 2a 3a 4a 5a 6a 7a 1b 2b 3b 4b 5b 6b 7b 1c 2c 3c 4c 5c 6c 7c 11a 12a 13a 14a 15a 16a 17a 1d 2d 3d 4d 5d 6d 7d A1 B1 C1 D1 E1 F1 A2 B2 C2 D2 E2 F2 A3 B3 C3 D3 E3 F3

A3 B3 C3 D3 E3 F3 G3 H3 I3

1. Click the

icon on the right side of an account card and select Nickname

Account. 2. Enter a global and/or personal account nickname. The global nickname changes the account name for all users who don’t have their own nickname set for this account. Your personal nickname for this account is only visible to you. 3. Click the Save button when you are finished. K L M N O P Q U V W X Y Z A B C D E F G 11b 12b 13b 14b 15b 16b 1d 2d 3d 4d 5d 6d

Getting Started: Account Nickname

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Home Page Details & Settings

View additional details about an account and change the account’s visibility.

10 11 12 13 14 15 16 17 18 19 20 21 22 23 24 25 26 27 28 29 30 1 2 3 4 5 6 7 8 9 J KLMNOPQRST U V W X Y Z A B C D E F G H I 10a 1a 2a 3a 4a 5a 6a 7a 8a 9a 10b 1b 2b 3b 4b 5b 6b 7b 8b 9b 10c 1c 2c 3c 4c 5c 6c 7c 8c 9c 10d 1d 2d 3d 4d 5d 6d 7d 8d 9d

11a 12a 13a 14a 15a 16a 17a 18a 19a 20a

11b 12b 13b 14b 15b 16b 17b 18b 19b 20b

A1 B1 C1 D1 E1 F1 G1 H1 I1

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10 11 12 13 14 15 16 17 18 19 20 21 22 23 24 25 26 27 28 29 30 1 2 3 4 5 6 7 8 9

Getting Started: Details & Settings 1 1a 2a 3a 4a 5a 6a 7a 8a 9a 1 1b 2b 3b 4b 5b 6b 7b 8b 9b 1 1c 2c 3c 4c 5c 6c 7c 8c 9c 1 1d 2d 3d 4d 5d 6d 7d 8d 9d KLMNOPQRST U V W X Y Z A B C D E F G H I 1 1112 131415 1617 18 192 2122 2324 2526 27 28 293 1 2 3 4 5 6 7 8 9

icon right side of an account card and select “Details.” J KLMNOPQRST U V W X Y Z A B C D E F G H I

1. Click the 2. Click the

icon to edit the nickname name. 3. Use the toggle to decide whether or not your account is visible on the Home page. 10a 1a 2a 3a 4a 5a 6a 7a 8a 9a 10b 1b 2b 3b 4b 5b 6b 7b 8b 9b 10c 1c 2c 3c 4c 5c 6c 7c 8c 9c 10d 1d 2d 3d 4d 5d 6d 7d 8d 9d

11a 12a 13a 14a 15a 16a 17a 18a 19a 20a

11b 12b 13b 14b 15b 16b 17b 18b 19b 20b