Banner Bank Remote Deposit Online eGuide

Remote Deposit User Guide

II

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

St. Louis, MO 63021 www.mcompany.com

© 2009-2025 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. 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 Remote Deposit with Banner Bank. Whether you are working from home or at the office, using a mobile phone, tablet or laptop, Banner’s Remote Deposit service is a safe, easy and convenient way to process deposits and manage deposit activity. 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 Remote Deposit process. If you have additional questions or require technical support, please 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

Introduction...................................................................................................................4 Accessing the Application ..................................................................................................... 4 Available Resources............................................................................................................... 5 Remote Deposit Process Workflow ............................................................................6 System Requirements ..................................................................................................7 For the PC: .............................................................................................................................. 7 For Microsoft® Windows®:.................................................................................................. 7 For Apple Mac: ....................................................................................................................... 7 Installing Microsoft Components................................................................................9 Trusted Sites........................................................................................................................... 9 Installing Remote Deposit Scan Service ...................................................................11 Uninstalling Existing Scanner Drivers................................................................................ 11 Installing Remote Deposit Scan Service ............................................................................ 12 Installing Your Scanner ....................................................................................................... 14 Remote Deposit Solution Overview.......................................................................................................17 Administration Administrator Overview .............................................................................................19 Logging In: Admin User ..............................................................................................20 Adding a User ..............................................................................................................21 Enabling Remote Deposit Features for a User Profile..................................................... 24 Edit Users - Manage and Delete Users.............................................................................. 25 Processing Remote Deposits Creating a Deposit ......................................................................................................26 Editing a Batch.............................................................................................................28 Editing a Batch Total...................................................................................................29 Performing a MICR Repair .........................................................................................30 Keying in a Dollar Amount .........................................................................................31 Deleting an Item..........................................................................................................32 Deleting a Batch ..........................................................................................................33 Submitting a Deposit..................................................................................................34

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Reporting Remote Deposit Application Reporting....................................................................36 Viewing Deposits.................................................................................................................. 36 Printing Images of Items ..................................................................................................... 37 Searching for an Item.......................................................................................................... 38 Report Commonalities ...............................................................................................39 Transaction Status Summary ....................................................................................40 Transaction Status Report ........................................................................................42 Editing a Transaction ..................................................................................................44 Voiding a Transaction.................................................................................................46 Resolving a Transaction .............................................................................................47 The Reports Page........................................................................................................48 Using the Report Builder Utility ................................................................................49 Report Results ...................................................................................................................... 52 Additional Reports ......................................................................................................53 Deposit Results ................................................................................................................... 53 Credits and Debits PDF Report .......................................................................................... 54 Standard Reports................................................................................................................. 55 Business Mobile Remote Deposit Mobile Solution Overview..........................................................................................56 View the Business Mobile Remote Deposit User Guide for more information.

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Getting Started Introduction

Remote Deposit allows you to scan checks remotely from multiple locations to a single or multiple accounts, deposit items using a mobile device, perform MICR repairs, and when necessary manually key in the dollar amount of an item. Multiple reporting options available within the Remote Deposit application windows help you to review and manage transaction information, and on screen help features contribute to an intuitive and seamless work flow. Accessing the Application To access Remote Deposit, you must login to the application through Business Online Banking using your online banking login credentials and then selecting Remote Deposit in the navigation menu. If you are the Company Administrator, our Treasury Management Support team will include access instructions as well as a step-by-step demonstration link in your Remote Deposit Services welcome email. Banner Bank | Award-Winning Personal & Business Banking

Note : In some of the application windows Remote Deposit may be referred to as RDN or Remote Deposit Now.

Getting Started: Introduction

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User Terminology Throughout this document, the text will refer to certain parties and their responsibilities in using the application. The following terms will help define “who is who” while performing tasks in the system. A. Admin User: The admin user is responsible for creating, deleting, enabling, and disabling additional users within your company. In addition, the admin user is responsible for the following. • Editing, unlocking, and/or deleting a user’s profile • Resetting a user’s password to provide a temporary one • Assigning specific roles or functions to a user • Enabling access to any and all accounts (locations) for which a user will be processing deposits B. User: A company employee authorized by an admin user to use the Remote Deposit application for processing deposits. Based on their assigned privileges/roles, users will have the ability to perform the following. • Process transactions • Generate reports • Research historical transactions • Edit transactions

Note : Your menu options may differ slightly from those pictured throughout this document.

Available Resources Please contact our Treasury Management Support team at

treasurymanagement@bannerbank.com or 1-877-856-7933 with any questions you have regarding the information in this guide or your Remote Deposit service. We are available to assist weekdays from 7 a.m. to 6 p.m. PT.

Getting Started: Introduction

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Getting Started Remote Deposit Process Workflow

Below is the basic process of creating, editing, and submitting an item for deposit. 1. Customers submit check payments to your company which require depositing to your account(s) at Banner Bank. 2. A user within your organization receives the items, scans the items using the Remote Deposit application and performs any editing, MICR repair or other adjustments as needed to “balance” the deposit. 3. A user transmits deposits to Banner Bank for final processing. 4. A notification will be sent from Banner Bank when the deposit is received. 5. Results are posted and available for review in the application’s reporting functions. 6. Deposits made by the deadline are posted to your Banner Bank account(s) and viewable in Business Online Banking the same day.

Getting Started: Remote Deposit Process Workflow

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Getting Started System Requirements

For an optimal experience a high-speed Internet connection is recommended, in addition the following components are required for working with the application. For the PC: • Local administrative rights • USB port 2.0 or higher • .NET® Framework 4.7 or higher For Microsoft® Windows®: • Windows 8.1 with Google Chrome • Windows 10 with Microsoft Edge Chromium or Google Chrome For Apple Mac:

• macOS 10.14x Mojave with Google Chrome • macOS 10.15x Catalina with Google Chrome • masOS 11.x Big Sur with Google Chrome

Note : The current version of Chrome and its two previous versions are supported for both Windows and Mac.

Getting Started: System Requirements

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The following check scanners support this application’s features.

Scanner

Model Supported

My Vision I:Deal®

X

Panini®

Vision X

CheXpress CX30

Digital Check®

TS230 TS240

Epson®

Capture One TMS 1000

Unisys Burroughs®

SmartSource Professional®

imageFORMULA CR-L1 imageFORMULA CR-25 imageFORMULA CR-50 imageFORMULA CR-55 imageFORMULA CR-80 imageFORMULA CR-120 imageFORMULA CR-135 imageFORMULA CR-150 imageFORMULA CR-180 imageFORMULA CR-190

Canon®

Getting Started: System Requirements

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Getting Started Installing Microsoft Components

If you do not already have the following .Net Framework installed, use the links provided below to download and install the appropriate Microsoft components for use with Remote Deposit: Microsoft .NET Framework 4.7 (Web Installer): https://www.microsoft.com/en-us/download/details.aspx?id=55170 Local administrator rights are required to install .NET updates. We recommend consulting with your company’s IT resource(s) before beginning the installation. Trusted Sites You will need to ensure the Remote Deposit application’s URL is added to the Trusted Sites option in Internet Settings. Use the following steps to add the website to your Trusted Sites.

Getting Started: Installing Microsoft Components

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Open the Control Panel from your Start Menu and select Internet Options . 1. From the tabs at the top of the Internet Options window, select Security . 2. Select the Trusted sites icon to activate the Sites option. 3. Click the Sites button. 4. Enter the URLs https://www.remotedepositnow.com and https://smartpay. profitstars.com and click the Add button. 5. Click the Close button. 6. Click the OK button when you are finished.

Note : You may need to select Network and Internet and then Internet Options .

Getting Started: Installing Microsoft Components

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Getting Started Installing Remote Deposit Scan Service

You are now ready to begin installation of the Remote Deposit Scan Service, but first a few important reminders: • Local administrator rights are required to install the new scanner drivers required for Banner’s Remote Deposit application. Contact your company’s IT resource if you are unsure whether you have the necessary authority for this installation. • Please ensure the scanner’s USB cable is disconnected from the computer and exit all other applications. • Uninstall any previously installed Remote Deposit scanner drivers see Uninstalling Existing Scanner Drivers below. Uninstalling Existing Scanner Drivers Open the Control Panel from your Start Menu and select Programs and Features . 1. Locate your current Remote Deposit application, right click and select “Uninstall” from the drop-down.

Getting Started: Installing Remote Deposit Scan Service

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Installing Remote Deposit Scan Service

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To access the Remote Deposit SSO, navigate to Commercial Services and then Remote Deposit. 1. Select Transactions from the Main Menu. 2. Click the “Remote Deposit Now” link. 3. Click the Scan tab. 4. Click the Download button.

Note : Before starting the installation, please ensure the scanner’s USB cable is disconnected from the computer and exit all other applications.

Getting Started: Installing Remote Deposit Scan Service

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5. Click the Run button. 6. Make sure the scanner’s USB or power cable from your computer has been disconnected, and exit all other applications. Click the Next button. 7. Click the Install button. 8. Click the Finish button to complete the installation.

Getting Started: Installing Remote Deposit Scan Service

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Installing Your Scanner

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1. Select the type of scanner you will be utilizing from the drop-down menu, and click the Download button. 2. Click the Run button. 3. Depending on the type of scanner you are installing, you may receive an adapter setup message. Click the Next button. 4. Click the Next button.

Getting Started: Installing Remote Deposit Scan Service

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5. Click the Install button. 6. Click the Finish button. 7. Click the Next button. 8. Choose the “I accept the terms of the license agreement” radio button and click the Next button. Getting Started: Installing Remote Deposit Scan Service

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9. As shown below, a location prompt appears asking you to confirm a location. Click the Browse button to designate a location where the setup files will install on your computer.

10. Click the Next button. 11. Click the Next button. 12. Click the Finish button.

13. The scanner driver installation process is complete. Wait for the scanner to load—a pop-up window may indicate that the device is ready to use. You may now plug the USB cable from the scanner into the computer, and then log in to Remote Deposit using the Accessing the Application instructions on page 4.

Getting Started: Installing Remote Deposit Scan Service

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Remote Deposit Solution Overview

With our Remote Deposit solution, deposits can be made anywhere you can connect to the internet. Images are captured and electronically transmitted to the bank for clearing saving you time and money.

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A. Use the Search button to search for customer information or transaction data. B. Select the User drop-down to access user settings, FAQs, videos, or to log out of the site.

Remote Deposit: Solution Overview

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A. Dashboard display settings allow you to decide how the page will appear. Settings are automatically updated and saved and are remembered for each user. B. Getting your deposit Transactions to the bank has never been easier. Select Remote Deposit Now to get started. Scanned checks will be converted to an electronic image and later credited to your account. C. The administrator is responsible for creating and maintaining user profiles for employees. An Admin grants a user certain privileges and roles so that the user can perform tasks in the system. D. There are a number of ways to retrieve deposit transaction information with this system. You will be able to generate pre-defined Reports and/or create custom reports on a daily, weekly, and monthly basis as well as within specific date ranges.

Remote Deposit: Solution Overview

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Administration Administrator Overview

The administrator is responsible for creating users and maintaining user profiles for employees within your organization. An admin grants a user certain privileges and roles so that the user can perform tasks in the system.

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In the Admin tab, click Users. A. Add Users – Admins have the ability to create new users. B. Edit Users – As the admin, you will need to update user profiles from time to time.

Administration: Administrator Overview

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Administration Logging In: Admin User

If you are your company’s primary administrator for the Remote Deposit or online banking application, our Treasury Management Support team will send a welcome email with instructions on how to access your Remote Deposit service upon implementation.

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1. Enter your login Id and password.. 2. Click the Log In button.

Administration: Logging In: Admin User

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Administration Adding a User

Admin users are responsible for creating user profiles for those completing tasks within the Remote Deposit application. The admin user is also responsible for updating user profiles, enabling access to Remote Deposit directly through online banking, and deleting a user’s profile if necessary. All individuals who will be scanning checks or running reports will need a user profile. Resource: For detailed instructions, please review our Create A Remote Deposit User demonstration. To access the Remote Deposit SSO, navigate to Commercial Services and then Remote Deposit.

Administration: Adding a User

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Note : Make sure both the User Name and RDN ID OR Q2 Online ID fields match the user’s online banking ID, and that you enter the user’s Email Address .

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In the Admin tab, click Users , then from the Merchant Users section select Business User from the Add User drop-down. 1. Fill out the add user settings section: • Full Name: The first and last name of the user. • User Name: The user’s Online Banking username. This field is not case-sensitive. • Remote Deposit (RDN) ID: This field will create the Remote Deposit user on the backend. Make sure both the profile User Name and RDN ID fields match the user’s Online Banking username. To avoid duplication of user profiles, do not update this field after the original setup. • Email Address: The email address of the user. • User Location: Optional informational field to describe the user. • Auto Disable: This field is not used currently.

• Dual Auth Amount: This field is not used currently. • Dual Auth Status: This field is not used currently.

2. Fill out the privileges for this User section. 3. Click the Add button.

Administration: Adding a User

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4. Choose the appropriate customer service privileges. • Credits & Debits PDF Report: A user will have access to the batch image file. • Accounting: Allows a user to run reports, edit transactions and view check images. • Remote Deposit Now: User can scan checks to submit for deposit. 5. Select the appropriate check boxes under Locations for the user for which the user will scan checks.

Note : Do not enable RTG User / SERVER ONLY.

6. Click the Update button when you are finished.

Administration: Adding a User

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Enabling Remote Deposit Features for a User Profile To specify the permissions a user will have with Remote Deposit, select the check box next to the Enable RDN option on the Update User Settings page, and click the Update button at the bottom of the page. The page refreshes, and the various permissions to give a user profile appear. 1. Select which permissions the user will need from the options displayed. • Admin: Separate from the account administrator role. This role is required to access the Tools tab, which allows the user to delete an existing batch. • Receive Activation Emails: Not applicable, do not check this box. • Receive Alert Emails: Allows the user to receive deposit alert emails upon deposit. • Create Deposits: Check this box to allow the user to make deposits to Banner Bank. • Scan Items: Allows the user to scan items. • Edit Items: Check this box to allow the user to be able to modify/fix their batches in Remote Deposit. • View Deposits: Allows the user to view scanned deposits. • Search: This allows the user to be able to perform searches in Remote Deposit on the Search page. • Export Items: Allows the user to export items. • View Notifications: This allows the user to view any deposit messages coming from Banner Bank, such as exceeded transaction limits. 2. Make any other changes to this profile, and select Update at the bottom of the page to finish and save changes. Note : If you wish to add more users at this time, select List Users from the left navigational bar before selecting the Add Users option, again. This step will need to be taken for each new profile you create.

Administration: Adding a User

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Edit Users - Manage and Delete Users Admin users have the responsibility of enabling/disabling users, deleting a user, and editing/updating user profiles.

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In the Admin tab, click User , then the

icon for the desired user and make the

desired edits. A. Enable or disable the user. Disabling a user keeps the profile intact until access is re-enabled by the admin user. The admin may want to disable a user if a user is on leave for an extended period of time before working with the application again. B. Update the user setting information. C. Update the privileges and roles. D. Add or remove locations. E. Click the Delete User button to delete the user. Deleting a user profile will remove it from the list of users and make it inaccessible. The User Name for that profile cannot be utilized again for a different user. The profile will be categorized as a deleted user. • To delete an admin, you must first remove the Administrator privilege from the user’s profile. F. Click the Update button to save the changes. Administration: Adding a User Note : Do not enable RTG User / SERVER ONLY.

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Processing Remote Deposits Creating a Deposit

The Remote Deposit service allows you to scan a single or multiple checks at one time. The scanner will read the MICR line of the check and scan the front and back sides of the check. You can opt to scan a second document (e.g., check stub or invoice) and/or key additional information to associate with the check and/or the customer who wrote the check.

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6 Click the Transactions tab. 1. Under Check Processing, select “Remote Deposit Now.”

2. If this is your first time using the Remote Deposit application, the system will ask you to confirm launching Device Control. Select Run to continue. For Google Chrome users, click the ProfitStars...exe executable, usually located in the left hand corner, to continue. 3. Click the Scan tab to begin scanning checks for deposit. 4. (Optional) If you have more than one scanner installed, select “Change Scanner” from the arrow next to the Start button to confirm which scanner you are using. 5. Select a scanner from the drop-down menu and click the OK button. 6. Click the Start button to scan a check.

Processing Remote Deposits: Creating a Deposit

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7. A prompt for the expected total of the deposit appears. Complete the field with a two-decimal place number, and then click the OK button. Entering the expected amount of the deposit, allows you to cross reference the calculated total by the RDN system to make sure that all the checks processed correctly. 8. Click the Start button and scan the check(s) with the scanner. Each item will appear on the page in the order they were scanned with the MICR line displayed. 9. Click the Stop button when you have finished scanning checks. 10. Click the Close Batch button.

Note : If a check has been scanned twice within the past 75 days, a duplicate check warning will display on the top left corner of the Batch Edit page. Duplicates will not prevent you from making the deposit.

Processing Remote Deposits: Creating a Deposit

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Processing Remote Deposits Editing a Batch

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Click the Transactions tab. 1. Under Check Processing, select “Remote Deposit Now.” 2. Click the Batch Edit tab to edit a batch.

3. You can enter the Customer Number and Invoice Number for the check item. Although entering data into these fields is not required, this information will reflect in the Remote Deposit reporting tool (discussed later) to help identify deposit items. 4. Expected Total and Actual Total information is displayed underneath the batch-selection drop-down menu at the top of the page.

Processing Remote Deposits: Editing a Batch

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Processing Remote Deposits Editing a Batch Total

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Click the Transactions tab. 1. Under Check Processing, select “Remote Deposit Now.” 2. Click the Scan tab. 3. Select “Open Batch” from the arrow next to the Start button. 4. Select a batch from the “Select Batch” drop-down. 5. Enter a new batch total. 6. Click the OK button when you are finished.

Processing Remote Deposits: Editing a Batch Total

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Processing Remote Deposits Performing a MICR Repair

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Click the Transactions tab. 1. Under Check Processing, select “Remote Deposit Now.” 2. Click the Batch Edit tab to edit a batch. 3. Select a batch from the drop-down at the top of the page. 4. Click the Edit button. 5. Enter the new MICR information in the MICR fields and click the Save button.

Processing Remote Deposits: Performing a MICR Repair

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Processing Remote Deposits Keying in a Dollar Amount

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Click the Transactions tab. 1. Under Check Processing, select “Remote Deposit Now.” 2. Click the Batch Edit tab to edit a batch. 3. Select a batch from the drop-down at the top of the page. 4. Click the Edit button. 5. Enter the new amount in the Amount field and click the Save button.

Processing Remote Deposits: Keying in a Dollar Amount

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Processing Remote Deposits

Deleting an Item

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Processing Remote Deposits: Deleting an Item Click the Transactions tab. 1. Under Check Processing, select “Remote Deposit Now.” 2. Click the Batch Edit tab to edit a batch. 3. Select an item from the item list at the right of the page. 4. Click the Delete button. 5. Click the OK button.

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Processing Remote Deposits Deleting a Batch

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Click the Transactions tab. 1. Under Check Processing, select “Remote Deposit Now.” 2. Select Delete Batch from the “Tools” drop-down. 3. Check the box beside all batches you wish to delete. 4. Click the Delete Selected button. 5. Click the OK button.

Processing Remote Deposits: Deleting a Batch

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Processing Remote Deposits Submitting a Deposit

Once the “All batch items have been edited and the batch is ready for deposit” message displays on the Batch Edit page, you are ready to submit your deposit.

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Click the Transactions tab. 1. Under Check Processing, select “Remote Deposit Now.” 2. Click the Make Deposit tab to submit a deposit.

3. Select the check box next to the deposit(s) that you are ready to submit. 4. If necessary, as shown below select the account location to send the deposit from the “Select Deposit Account” drop-down.

Note : Batches can only be submitted by one account location at a time. To submit a deposit to a different location other than the one selected, you must first finish your current deposit submission.

5. Click the Make Deposit button to submit your batch(es).

Processing Remote Deposits: Submitting a Deposit

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6. Click the OK button. 7. The batch(es) you submitted are removed from the Make Deposit page, since they are no longer open. To see the status of the submitted deposit(s), click the Home tab. 8. Submitted deposits are listed under the Recent Deposits section.

Note : Any batches that have been saved and edited, but not submitted, will appear under the Batches Ready For Deposit section.

Processing Remote Deposits: Submitting a Deposit

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Reporting Remote Deposit Application Reporting

Although both the Remote Deposit window and the system application have reporting capabilities detailed in this document, the application reporting tools are recommended for viewing items already submitted for deposit. Viewing Deposits

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Click the Transactions tab. 1. Under Check Processing, select “Remote Deposit Now.” 2. Click the View Deposits tab to view deposits. 3. To narrow your list of deposits, select a Start Date and End Date. 4. Click the Refresh button at the top of the page to view the deposit(s) within the date range. 5. To view the front and back side of a check image, click the “Front” and “Back” links. Reporting: Remote Deposit Application Reporting

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Printing Images of Items

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Click the Transactions tab. 1. Under Check Processing, select “Remote Deposit Now.” 2. Click the View Deposits tab to view deposits. 3. Highlight which deposit to view from the left column. The item(s) for that deposit appear on the right side of the screen. 4. There are several print options: • Click the Print button to print the front and back of the check currently highlighted. • Select Print All from the drop-down to print the front and back images of all the items in the deposit. • Select Print All Fronts Only from the drop-down to print only the front images of all the items in the deposit. • Select View Item Edits from the drop-down to see which user(s) have edited transaction amounts for the deposit in the Remote Deposit application.

Reporting: Remote Deposit Application Reporting

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Searching for an Item

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Click the Transactions tab. 1. Under Check Processing, select “Remote Deposit Now.” 2. Click the Search tab to search for an item.

3. To search for a specific item, complete the search criteria fields displayed. For a range of items between certain dates, complete only the Start Date and Stop Date fields. 4. Click the Search button. 5. The search results appear on the right side of the screen. Select an item to print, or hold the Shift key on your keyboard to highlight multiple items in the list. 6. Select Print to print the front and back of a highlighted item. To print items, select the menu next to Print and then select Print All. Select Print All Fronts Only to print the front images of all items in the list. Note : Any items that are voided in the application (see “Voiding a Transaction” on page 46) will not be reflected in the Remote Deposit application.

Reporting: Remote Deposit Application Reporting

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Reporting Report Commonalities

• Reports are generated in Central Time (CT). • Select the

Print icon to get a paper copy of a report.

• Select the Export icon to download reports to Microsoft® Office Excel® spreadsheet, a tab-delimited file (.TSV) or a comma delimited file (.CSV). • Select the Full Screen icon to view your report across your entire monitor screen. • Select the Filter icon to view filters where you can search the report for alphanumeric entries. Deselecting will hide filter fields, and strip the report of your alphanumeric search. • Select the Filter Columns icon to bring a list of all the information columns available in the report. You may configure the list to have certain columns appear in the order you choose, or to hide columns from the report listing. • Use the View option to determine whether an informational column appears. • Use the Prioritize tools to change the order of a column in the report. • Use the Freeze tool to lock a column in place when viewing the report.

Reporting: Report Commonalities

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Reporting Transaction Status Summary

The Current Transaction Summary can be found on the Dashboard once you log in to the Remote Deposit application. It covers a rolling 60-day period (except the Approved status, which shows up to the last 24 hours) and is broken down by a transaction’s current status within the system. Transaction Status reports, as they are called, are pre-defined reports listing all transactions in a specific status. They automatically generate when you click a status link from the Current Transaction Summary. The reports can be printed or saved (exported) into a Microsoft® Office Excel® spreadsheet (.xlsx), a tab-delimited file (.tsv), or a comma-delimited file (.csv). The Current Transaction Summary allows you to quickly identify any unusual activity regarding your transactions with any of the following status types: • Approved: The transaction has been verified and will be processed at the designated cut-off time. • Processed: The transaction has been transmitted to the appropriate network (ACH or Check). Changes can no longer be made, and the transaction can no longer be voided. • Collected: One or more transactions originally returned as NSF have been re-presented, and funds were recovered. • Awaiting Capture: One or more transactions were previously validated, authorized and need to be captured to be processed. • Awaiting Approval: The transaction has been verified, but the amount of the transaction exceeded the Dual Authorization limit of the user who created it. An authorized approver must review and then either approve or void the transaction. • Declined: The transaction has been declined and will not be processed. The transaction exceeded either Dual Authorization limits or Velocity limits. • Voided: The transaction has been voided and will not be processed. A transaction may not be voided once the item is in the Processed status. • Error: An internal error has occurred within the Remote Deposit application. Contact Treasury Management Support for assistance. • In Collection: One or more transactions originally returned as NSF are in the process of being re-presented.

Reporting: Transaction Status Summary

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• Other ACH Returns: One or more ACH transactions have been returned by the Federal Reserve. The transaction(s) will be charged back. • Unauthorized: One or more ACH transactions have been returned unauthorized by the account holder. The transaction(s) will be charged back. • Uncollected NSF: One or more ACH transactions have been returned by the Federal Reserve and funds could not be recovered. The transaction(s) will be charged back. • Suspended: The transaction has been verified, but it has exceeded your company’s Velocity limits. Contact Treasury Management Support for assistance. • Disputed: One or more ACH transactions have been disputed by the account holder. The transaction(s) will be charged back. • Invalid/Closed Account: One or more ACH transactions have been returned because the account number is invalid. The transaction(s) will be charged back. • Resolved: The transaction has been moved into a Resolved status by a user to indicate that no further action related to the transaction is required. Transactions can be moved into a Resolved status from a status of Declined, Voided, Invalid/Closed Account, Disputed, Uncollected NSF, Error, or In Research. • Other Check21 Returns: The check transaction has been returned by the Federal Reserve. The transaction will be charged back.

Reporting: Transaction Status Summary

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Reporting Transaction Status Report

A Transaction Status report is a pre-defined report listing all transactions within a specific status. It automatically generates when you click a status link from the Current Transaction Summary. The report can be printed or saved (exported) into a Microsoft® Office Excel® spreadsheet (.xlsx), a tab-delimited file (.tsv), or a comma-delimited file (.csv).

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In the Dashboard tab, click Current Transaction Summary. 1. Select a status. A list of the first 25 (default value) transactions are displayed, although you may navigate through pages of results to locate more transactions. 2. Click the View icon to view details for a transaction.

Reporting: Transaction Status Report

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3. The Transaction Details page appears for that status. Select Show Events and/or Show Audit History to view more details about the transaction. • Show Events: The automated steps/processes a transaction has gone through. The most recent steps are displayed first and include the date/ time the events took place in Central Time. • Show Audit History: Manual interaction with the transaction. Details are displayed with the latest steps first and includes the date/time processes took place in Central Time.

Reporting: Transaction Status Report

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Reporting Editing a Transaction

A transaction that has been approved but not yet processed or voided can be edited by the dollar amount and/or deposit date (Effective Date). Deposits will be in an Approved status until Banner Bank pulls the deposits at 9am, 11am 2pm, 4pm and 6pm (PT) for processing. At that time the status will change from Approved to Processed. Transactions can only be edited while they are in the approved status, and once the deposits pull at 9am, 11am 2pm, 4pm and 6pm, the transactions will automatically update to Processed and can no longer be changed. Any edits performed after processing will not be reflected in the file View, Audit History, or Event History.

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4 In the Dashboard tab, click Approved under the Current Transaction Summary . 1. Select the View icon next to the transaction you would like to edit. 2. The Transaction Details page appears. To edit the transaction amount, select the Edit icon to the left of the Sale field. 3. The Sale amount will become an editable field where you can enter a new amount. Enter a new amount and a Reason for changing the amount. 4. Select the Save button when finished. Selecting the Cancel button will cancel the change. 5. To change the date the transaction will be processed, click the Edit icon next to the Effective Date field.

Reporting: Editing a Transaction

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7 6. The Effective Date field will become an editable field where you can enter a new date. A calendar option appears for date selection, or you may type in a date in MM/DD/YYYY format. You will also need to enter the Reason for changing the effective date. 7. Select the Save button when finished. Selecting the Cancel button will cancel the change.

Reporting: Editing a Transaction

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Reporting Voiding a Transaction

A transaction can be voided as long as it is still in a status of Approved. An approved transaction will be moved to the Processed status once it has been received and posted by Banner.

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In the Dashboard tab, click Approved under the Current Transaction Summary . 1. A report of approved transactions appears. Select the View icon next to the transaction you would like to void. 2. From the Transaction Details page, click the Actions button and then select the Void button. 3. The system will ask you to confirm voiding the transaction. Click the Void button. The transaction will be voided and appear as a Voided status on the Current Transaction Summary page until it is resolved.

Reporting: Voiding a Transaction

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Reporting Resolving a Transaction

Resolving a transaction means indicating a reason why the transaction was voided for communication and auditing purposes. Once a transaction has been voided, it will appear in the Voided status, where you can opt to resolve the transaction.

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In the Dashboard tab, click Voided under the Current Transaction Summary . 1. Select the View icon for the transaction you wish to resolve. 2. From the Transaction Details page, click the Actions button and then select Resolve . 3. Enter a reason for resolving the transaction. For example, the transaction was deposited in the wrong account. 4. Click the Resolve button. The transaction will now appear under the Resolved status in the Current Transaction Summary.

Reporting: Resolving a Transaction

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Reporting The Reports Page

The Reports tab grants you access to a number of reports available to run. • Standard Reports: Provides a list of reports with pre-set filters to show specific items. For example, the Show Items Detected as Duplicate Transactions option generates information about all of the transactions that have been flagged as duplicate items in any number of deposits.

Note : For any Standard Report, the pre-set filters can be customized to fit your needs by altering the report filters.

• My Reports: Allows you to customize a report based on your informational needs. You may save this report as a template for future use, and it will be available only to your profile as a user. • Shared Reports: Allows you to customize a report and save it as a template available for other users to access and use. Only the person who created this report template can delete it. • Credits and Debits to Your Merchant Settlement Account: Identifies deposits made within a date range and displays individual transaction amounts making up the deposit, with details of each transaction. (Not available in all Remote Deposit applications.)

Reporting: The Reports Page

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Reporting Using the Report Builder Utility

The report builder utility can be used to create one-time queries and custom recurring daily, weekly, and monthly reports for bookkeeping, historical research, and problem solving. There are two options when creating a customized report: New Report and New Shared Report. While both are customizable, the shared report is available to other users who have access to the system. Other users will be able to pull the shared report and use its settings to generate information. Only the user who created the shared report can delete it.

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Reporting: Using the Report Builder Utility

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In the Reports tab, click New Report or New Shared Report . 1. Enter a Title for the report.

2. Select the Report Type. Designate if your report will be a Transaction Report based upon the current status of a transaction, or a Historical Event Report based upon past events a transaction has been through in the system. 3. Select the Date Range . In the Date Type field, select either Transactions Created or Effective Dates for the report, which will determine if the report displays transactions based upon the date they were created versus the date they took effect. • Select a pre-specified date range using the Export Date Range option (ideal for recurring reports), or specify your own date range with the Start Date and Start Time and the End Date and End Time fields. 4. Complete the Advanced filters section. Specify the Location and Status of the transaction you wish to have in your report. • Settlement Status: Whether a transaction has been deposited. Designate a single status or multiple statuses by selecting the appropriate check box(es). • Origin of Transaction: Determines how the transaction was received and will be coded. You may designate a single origin for the report or multiple origins by selecting the check box next to each option. • Originated As: Specifies how the transaction will be processed. You may designate a single type or multiple types. • Account Type: Determines the type of transaction the report will display. You can select a specific account type or select ALL. • Operation: This option specifies what process a transaction has been through. You may designate one process or select ALL. • Authority Response Code: This option represents the types of return responses that can be received for a transaction. Select a specific response code or select ALL. • Amount Range: The From and To options allow you to look for transactions with a specific amount or between amount values in decimal format (XX.XX). Note : If you are creating a Historical Event Report, a custom date range will be unavailable.

Reporting: Using the Report Builder Utility

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5. Report Layout: This section allows you to organize how the report displays. • Select the “View” check box next to any fields to have them show on the report. • Under Prioritize, use the arrows to change the order in which information appears. For example, select the upward arrow to have a field listed before others, or the select the downward arrow to have other fields listed before it. • Use Freeze to lock fields when viewing a report. This will hold certain fields in view while you explore the rest of the report information. 6. (Optional) At this time, you may choose to select the “Share to All Users” check box if you want to have this report available for other users to view. If you selected New Shared Report previously, this box will already be selected. 7. Click the Run Report button to generate the report. 8. Alternatively, you may wish to save the report for your own use at a later time by clicking the Save to My Reports button. This option will both save the report and generate a report to view.

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Report Results

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A. Use the filters to change the report and select Run Reports again, or you can print/export the report, as needed. B. Column headers in the report are selectable for organization. Select a column header to organize the report based on that column’s information, in either ascending order (designated by an upward arrow) or descending order (designated by a downward arrow). C. Click the View icon to the left of an item to view more details about the transaction. D. To change the report template, adjust the report filters as desired, and select Save to My Reports, which will save the filter options as a template for later use.

Reporting: Using the Report Builder Utility

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Reporting Additional Reports

Deposit Results The Deposit Results report is a date range report used to display a list of batches created. It can be used to monitor the status of current day batches and the items in them, or to look at previous days’ batches and items.

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In the Reports tab, under Remote Deposit Capture Reports , select Deposit Results. 1. Enter the search criteria and then click the Get Deposits button. 2. Click the Deposit Details icon to view the events the batch has been through. The details will display on the Deposit Details page. Navigate back to return to the report results. 3. From the Deposit Results page, click the Item Details icon to view the individual transactions within the deposit. 4. Click the View icon under Item Details to view the Batch Item Details page, which has information about the item in relation to the batch. 5. Click the Check Image icon to see specific item detail information. 6. On the Batch Item Details page, click the Show Event link to see the automated steps/processes the transactions has been through. Reporting: Additional Reports