Climate First Bank Business Administrator Help Guide
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CLIMATE FIRST BANK BUSINESS ADMINISTRATOR HELP GUIDE
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Published by Murphy & Company, Inc. 13610 Barrett Office Drive, Suite 206
St. Louis, MO 63021 www.mcompany.com
© 2009-2024 Murphy & Company, Inc. Macintosh is a trademark of Apple Inc., registered in the U.S. and other countries. Adobe Reader is a registered trademark of Adobe Systems, Inc. © 2012 Portions of this guide were written by Finastra.
Disclaimer Concepts, strategies and procedures outlined in this guide can and do change and may not be applicable to all readers. The content in this guide is not warranted to offer a particular result or benefit. Neither the author, publisher nor any other party associated with this product shall be liable for any damages arising out of the use of this guide, including but not limited to loss of profit, commercial, special, incidental or other damages. For complete product and service information, please refer to the terms, conditions and disclosures for each product and service.
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Getting Started
Welcome to Business Online Banking with Climate First Bank! Whether you are at home or the office using a mobile phone, tablet or laptop, we strive to make your Business Online Banking experience easy and convenient. By adding powerful commercial products and features, Climate First Bank provides you with the complex tools your business needs to achieve its goals. Our Business Online Banking Client Guide is designed to direct you through the business menus. This Business Administrator Guide is specifically designed as a tool for the Business Administrator. Employees granted Business Administrator entitlements may reset passwords, add new users, remove users, and adjust user authorites. 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 Business Online Banking process. If you have additional questions, contact us by email, TreasurySupport@climatefirstbank.com or by phone (727) 335-0517.
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Table of Contents Getting Started
Business Administrator Overview...............................................................................3 Users........................................................................................................................................ 3 Business Banking Users Overview .............................................................................................................4 User Management Overview................................................................................................ 5 Desktop ................................................................................................................................... 5 Mobile...................................................................................................................................... 6 Adding a New User ............................................................................................................... 7 Approving New Users.................................................................................................10 Editing Users................................................................................................................11 User Details .......................................................................................................................... 12 Accounts................................................................................................................................ 13 Money Movement................................................................................................................ 14 Business Payments.............................................................................................................. 15 3rd Party ............................................................................................................................... 16 Independent Services.......................................................................................................... 17 Restricting User Access ..............................................................................................18 Disable/Enable a User ......................................................................................................... 18 Unlocking a User.................................................................................................................. 19 HRT (High Risk Transaction) Processing Configuration..........................................20 Reseting a User’s Password.......................................................................................21 Sending a Secure Message ........................................................................................22 Secure Message Overview .........................................................................................23
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Getting Started Business Administrator Overview
Whether you’re an enterprise, large corporation or small organization, our flexible Business Online Banking can efficiently serve you. Climate First Bank enrolls the company in business online banking and creates the Business Administrative User. The Business Administrative User will be sent login credentials and a temporary password. Users If your business only needs one person with access to Business Online Banking, you can jump right in and experience our state-of-the-art system! For larger organizations, our system lets you establish multiple login IDs and passwords for authorized employees. You can customize which employees get access to different features within Business Online Banking by establishing user entitlements. Additional users may be added by the Business Administrative User by following the instructions in this guide. The Business Administrative User may also send a secure message (see page 16) through Business Online Banking to request additional users. In this case, User Forms will be securely sent to the authorized signer. Additions and changes to Positive Pay or Merchant Deposit users must be made by the Bank. Please also contact the bank to add additional services or to increase limits on existing services. We are here to help. Contact us by email,TreasurySupport@climatefirstbank.com or by phone (727) 335-0517.
Getting Started: Business Administrator Overview
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Business Banking Users Overview
Depending on your number of employees, owners and company policies, Business Online Banking lets you set up multiple users with different responsibilities. New users can be created with their own unique login IDs and passwords. Each user is assigned a set of user entitlements that permits or prevents them from performing certain actions such as: • Sending or drafting payments and creating templates for certain transaction types. • The number of approvals that can be completed in a day or the dollar amount in a specific transaction. • Accessing specific accounts for multiple entities. • Managing recipients, users and templates. Authorized users can set up the features, accounts and entitlements each user needs to do their job. Establishing these entitlements gives users permission to perform specific tasks, helping you manage your business and keep it running as smoothly as possible.
Business Banking: Users Overview
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User Management Overview The User Management page lets you view all your existing users in one easy place. From a desktop device, you can create users, edit entitlements and oversee your employees on a day-to-day basis. Desktop
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In the sidebar, click Manage Users . A. View the name of each user on the left side of your screen. B. Use the tabs to filter the results.
Note : You cannot add or change your own entitlements.
Business Banking: Users Overview
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Mobile The User Management page lets you view all your existing users in one easy place.
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In the sidebar, click Manage Users . A. View the name and email of each user. B. Use the search bar to find a specific user. C. Lock and unlock a user by clicking the
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Business Banking: Users Overview
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Adding a New User An authorized user with Manage User Entitlements can setup a new user by creating a profile, unique login id and password. The unique login must be all lower case with no symbols. Once you establish a user and their login credentials you can assign user entitlements.
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In the sidebar, click Manage Users . 1. Click the Add New User button. 2. Enter the user’s first name and last name. 3. Create a new login id for the user in all lowercase. 4. Enter and confirm their password. 5. Select the user’s role.
• Admin: The user is able to create new users, edit existing users, and approve changes made by a Manager. The saved changes are immediate with no approval required. • Manager: The user is able to create new users, edit existing users and submit changes for an Admin or another Manager to approve. • Standard User: The user has no manage users access.
6. Click the Next button.
Business Banking: Users Overview
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7. (Optional) Enter the user’s title. 8. Enter the user’s email. This email address is used to send pending business payment approval notifications as well as inform users that a pending business payment has been approved, denied or deleted. 9. Enter the user’s phone number.
10. Enter the user’s text phone number. 11. Enter the user’s HRT phone number. 12. Enter the user’s HRT text phone number. 13. Enter the user’s HRT email address. 14. Click the Next button.
Note : An HRT phone number or email address is used for any High Risk Transaction authorization codes. When the user is presented with the HRT verification, they can choose from the notification methods entered here to receive the HRT validation code.
Business Banking: Users Overview
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15. Enter the user’s address, city, state and zip code. 16. Click the Next button. 17. Review the user’s information and click the Create User button. 18. Click the OK button.
Business Banking: Users Overview
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Business Banking Approving New Users
New users that have not been napproved by an Admin or Manager are displayed in the Pending New Users tab with a “Pending” status. Users with the Manager or Admin role can approve new users and user updates made by another Manager or Admin. The system requires a second Manager or Admin to approve pending updates or new users and will not allow a user to approve their own changes.
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In the sidebar, click Manage Users . 1. Click the Pending New User tab. 2. Click the icon and select “View User.” All pending changes will be highlighted. 3. Click the Review Pending Changes button.
Business Banking: Approving New Users
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Business Banking Editing Users
Authorized users with the Manage Users entitlement can make changes to existing users at any time. This is especially beneficial if someone’s job title changes or their approval limits need to be adjusted.
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In the sidebar, click Manage Users . 1. Click the icon and select “Edit User.” 2. Select each tab to edit a user’s entitlements.
• User Details: Edit a user’s contact information. • Accounts: Enable accounts, view history, and account view options • Money Movement: Transfers, Smart Transfers, Cross Entry Transfers and Internal P2P • Business Payments: ACH, Wire and Federal Tax Payment services and limits • 3rd Party: A2A, P2P, Bill Pay, Remote Deposit Capture and more • Independent Services: E-forms, external URLs, eStatements, Card Management, Alerts, Secure Messaging, User Admin and more 3. Click the Save Changes button when you are finished. Business Banking: Editing Users
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User Details
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1. Click the icon to edit information. 2. Make the necessary changes to the existing user.
Business Banking: Editing Users
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Accounts The Accounts tab includes entitlements to enable/disable accounts, view account history, show/hide balances, and show/hide account in the accounts dashboard. 1
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1. Click the Accounts tab. 2. Click a feature/setting to enable or disable a feature/setting. 3. Check/uncheck boxes to enable or disable a feature/setting for each account.
Business Banking: Editing Users
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Money Movement The Money Movement tab includes entitlements to enable/disable Transfers, Smart Transfers, Cross Entity Transfers, Internal P2P and more. 1
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1. Click the Money Movement tab. 2. Click the “Options” link to view and edit applicable settings for the selected feature. 3. Check/uncheck boxes to enable or disable a feature/setting for each account.
Business Banking: Editing Users
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Business Payments The Business Payments tab includes entitlements to enable/disable ACH, Wire and Federal Tax Payment services and their associated limits.. 1
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1. Click the Business Payments tab. 2. Click the “Options” link to view and edit applicable settings for the selected feature.
Business Banking: Editing Users
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3rd Party The Money Movement tab includes entitlements to enable/disable A2A, P2P, Bill Pay, Remote Deposit Capture and more. 1
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1. Click the 3rd Party tab. 2. Click the “Options” link to view and edit applicable settings for the selected feature.
Business Banking: Editing Users
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Independent Services The Money Movement tab includes entitlements to enable/disable E-forms, external URLs, eStatements, Card Management, Alerts, Secure Messaging, User Admin and more. 1
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1. Click the Independent Services tab. 2. Check/uncheck boxes to enable or disable a feature.
Business Banking: Editing Users
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Business Banking Restricting User Access
In the case where the Business Admin needs to prevent a user from logging in either temporarily or permanently, the user can be disabled. If the user needs to be deleted from the business, the Business Admin will need to contact Climate First Bank.
Note : Managing Users on mobile devices is limited to enabling/ disabling users..
In the User Operations section, you can:
• View the number of failed login attempts • Reset login attempts (unlock user) • View the last updated date • Disable/enable user
Disable/Enable a User
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In the sidebar, click Manage Users . 1. Click the icon and select “Edit User.” 2. Click the Disable User/Enable User button. 3. Click the Confirm button.
Business Banking: Restricting User Access
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Unlocking a User If an account holder enters their password incorrectly too many times, their account will be locked. The system default is six incorrect password attempts. The account holder can use the Forgot Password link on the main login page to reset their password or the Business Admin can unlock their account.
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In the sidebar, click Manage Users . 1. Click the icon and select “Edit User.” 2. Click the “Reset Login Attempts” link.
Business Banking: Restricting User Access
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Business Banking HRT (High Risk Transaction) Processing Configuration HRT authentication requires a user to enter security code for business payment transactions and other activities. Business Admins can manage features require this authentication, select delivery methods and manage credentials. Enable HRT Delivery Methods: • HRT Authentication can be completed through several Delivery Methods: voice call and text message. • HRT authentication codes will be delivered to HRT SMS number, HRT Voice Number specified within the User Details section.
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In the sidebar, click Manage Users . 1. Click the icon and select “Edit User.” 2. Check and uncheck boxes to enable and disable HRT delivery methods and which features require HRT.
BusinessBanking:HRT(HighRiskTransaction)ProcessingConfiguration
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Business Banking Reseting a User’s Password
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In the sidebar, click Manage Users . 1. Click the icon and select “Edit User.” 2. Click the Reset Password button. 3. Enter and confirm the new password. 4. Click the Update Password button when you are finished making changes.
Business Banking: Reseting a User’s Password
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Security Sending a Secure Message
Starting a new conversation through Online Banking is just as effortless as sending an email. Unlike an email, you can safely include confidential personal information relating to your accounts or attach files within a new message.
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In the Sidebar Menu , click Secure Message . 1. Create a new message by clicking the 2. Select the subject from the drop-down. 3. (Optional) Attach a file by clicking the 4. Enter your message. 5. Click the Send button when you are finished.
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Business Banking: Sending a Secure Message
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Security Secure Message Overview
If you have questions about your accounts or need to speak with someone at Climate First Bank, Secure Messages allows you to communicate directly with a Climate First Bank customer service representative. From the Secure Messages page, you can view replies, old messages, create new conversations and attach images.
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In the Sidebar Menu , click Secure Message . A. Click the appropriate tab at the top to view your inbox, sent messages or archived messages. B. Click on a message to open it in a new screen. C. Delete multiple messages by checking the box next to the corresponding messages or check the “select all” box and click the icon. D. Archive multiple messages by checking the box next to the corresponding messages or check the “select all” box and click the icon. E. Archive an opened message by clicking the Archive button, delete by clicking
the Trash button or reply by clicking the Reply button. F. Return to your mailbox by clicking the “Back” link.
Business Banking: Secure Message Overview
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