Country Bank Business Customer Digital Banking Admin Guide

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Published by Murphy & Company, Inc. 13610 Barrett Office Drive, Suite 206

St. Louis, MO 63021 www.mcompany.com

© 2009-2025 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 Country 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, Country Bank provides you with the complex tools your business needs to achieve its goals. Business Online Banking shares similar features with our personal accounts, but this guide is designed to direct you through business features only. You can navigate this guide by clicking a topic or feature in the Table of Contents. Each section provides an overview and steps to help you during the Business Online Banking process. If you have additional questions, contact us at 800-322-8233.

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Table of Contents Getting Started

Logging In.......................................................................................................................5 Authentication...............................................................................................................6 Business Online Banking Overview ............................................................................7 Users........................................................................................................................................ 7 Recipients................................................................................................................................ 7 Transaction Type Overview .........................................................................................8 Business Online Banking Transaction Types...................................................................... 8 Business Banking Manage Users Overview ..............................................................................................9 User Management Overview.............................................................................................. 10 Desktop ................................................................................................................................. 10 Adding a New User ............................................................................................................. 11 Mobile.................................................................................................................................... 14 Approving New Users.................................................................................................15 Editing Users................................................................................................................16 User Details Tab .................................................................................................................. 17 Accounts Tab ....................................................................................................................... 17 Money Movement Tab ....................................................................................................... 17 Business Payments Tab ..................................................................................................... 18 3rd Party Tab ....................................................................................................................... 19 Independent Services Tab ................................................................................................. 20 Restricting User Access ..............................................................................................21 Disable/Enable a User ......................................................................................................... 21 Unlocking a User.................................................................................................................. 22 HRT (High Risk Transaction) Processing Configuration..........................................23 Reseting a User’s Password.......................................................................................24 Disable User ........................................................................................................................ 25 Secure Message Overview .........................................................................................26 Sending a Secure Message ........................................................................................27 Create Payment...........................................................................................................28 Add Recipient ....................................................................................................................... 30 ACH - Recipient Account Detail .......................................................................................... 31 ACH & Wire - Receiving Bank Detail................................................................................... 33 ACH & Wire - Receiver and Intermediary Detail ...................................................................... 36 Domestic Wire - Receiving Bank Detail ............................................................................. 37 Domestic Wire - Receiver and Intermediary Detail.......................................................... 39 International Wires Only - Beneficiary Bank Detail.......................................................... 40 International Wires Only - Receiver and Intermediary Detail......................................... 42 Review ................................................................................................................................... 43

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Editing a Recipient ......................................................................................................44 Deleting a Payee .........................................................................................................45 Create Batch Payee List..............................................................................................46 Desktop ................................................................................................................................. 48 Mobile Add Recipients......................................................................................................... 50 Mobile Create Payment....................................................................................................... 51 Import Batch from File ...............................................................................................52 Import ACH File .................................................................................................................... 52 Import Delimited File........................................................................................................... 54 Import Fixed Length File ..................................................................................................... 58 Create Payment...........................................................................................................61 Create a Payment ................................................................................................................ 61 One-time Payment .............................................................................................................. 65 Make Batch Payment........................................................................................................... 66 Tax Payment................................................................................................................69 ACH Batch Upload ......................................................................................................71 Editing a Batch.............................................................................................................75 Deleting a Batch ..........................................................................................................76 Pay Again......................................................................................................................77 Pending ........................................................................................................................78 Editing a Transaction........................................................................................................... 79 Deleting a Transaction ........................................................................................................ 79 Viewing, Approving or Denying a Transaction ........................................................80 Desktop ................................................................................................................................. 80 Mobile.................................................................................................................................... 82 Account Reporting ......................................................................................................83 Creating a New Report ........................................................................................................ 83 Deleting an Existing Report ................................................................................................ 84 Editing an Existing Report................................................................................................... 85 Running an Existing Report ................................................................................................ 86 Check Positive Pay Introduction.................................................................................................................87 Manually Add a Check................................................................................................88 Manually Add Checks Via Upload .............................................................................89 View Checks Issued.....................................................................................................91 Managing Exceptions .................................................................................................93

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ACH Positive Pay Introduction.................................................................................................................95 ACH Positive Pay Process.................................................................................................... 95 ACH Account Rules .....................................................................................................96 Create an ACH Account Rule .............................................................................................. 96 Edit ACH Account Rule......................................................................................................... 97 Delete ACH Account Rule.................................................................................................... 98 ACH Company Rules...................................................................................................99 Manage Company Rules .................................................................................................. 101 ACH Company Rules................................................................................................ 102 Services Stop Payment Request............................................................................................ 104 Single Check ...................................................................................................................... 104 Range of Checks................................................................................................................ 105 About Us

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Getting Started Logging In

Logging in is easy and only requires your company ID, login ID and password.

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1. Click the Login button. 2. Enter your Company ID. This identification number is shared by all users within the business. The Company ID is the last 6 digits of your EIN number. 3. Enter your Username. This value is unique to each Business Admin/User. Usernames are created by Country Bank. 4. Enter your Password. Temporary passwords will be provided in an email. All Business users are prompted to create a new password upon first login. 5. Click the Log In button.

Note : If you enter an incorrect password too many times, your account will be temporarily locked. Please contact your internal company administrator or call the bank at 800-322-8233 for assistance.

Getting Started: Logging In

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Getting Started Authentication

Out of band authentication, which works very similarly to Multi Factor Authentication (MFA), is an additional level of security to authenticate users when logging in. All account holders are required to complete the Out of Band Authentication steps. Account holder, information, including phone numbers, and email addresses, is pulled from your internal profile; the authentication communication can be received via text, call, or email. In addition, business customers will receive MFA requests when conducting high risk transactions (HRT), such as issuing a Wire Transfer or ACH payment through the Cash Management module. These MFA for HRT replace a business cash management user from needing a token; tokens have been discontinued.

Getting Started: Authentication

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Getting Started Business Online Banking Overview

Whether you’re an enterprise, large corporation or small organization, our flexible Business Online Banking can efficiently serve you. Depending on your size, the first steps in banking online are setting up your users and recipients. After setting up these key entities, you can jump right in and experience our state-of-the-art

system! Users

If your business only needs one person with access to Business Online Banking, you can set up a single login ID and password. This is typical for small companies who primarily use basic Online Banking tools with occasional business transactions. For larger organizations, our system lets you establish multiple login IDs and passwords for authorized employees. You can customize which employees get access to different features within Business Online Banking by establishing user

entitlements. Recipients

Recipients are people or businesses to whom you send or request money using a payment feature offered through Business Online Banking. After creating a profile for each recipient, you can choose the method to send them money and view the respective transaction details. Each created recipient saves within the system, so you can quickly and easily make future payments.

Getting Started: Business Online Banking Overview

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Getting Started Transaction Type Overview

Various types of payment methods are offered through Business Online Banking, including wire and ACH transfers. Though both methods are quick, electronic payments, wires are the fastest way to transfer money between accounts. ACH transactions can be sent as a single or batch process, and funds are generally not available until the next business day. Please contact us at 800-322-8233 for a full list of wire and ACH fees or if you have any questions. Business Online Banking Transaction Types Type Description

Upload a NACHA-formatted file.

ACH Upload

Create Payment

Send or receive a payment to one recipient.

Make a Batch Payment

Send a payment to several recipients.

Input payee and payment – Payee information is not saved

One Time Payment

Create Tax Payment

Send State or Federal Tax Payment.

Domestic Wire

Send a wire to a recipient within the US.

International Wire

Send a wire to a recipient outside of the US.

Create Payee

Input Payee and save information.

Create batches with sensitive information that will prevent additional ACH operators from seeing sensitive information. Send payroll to several recipients. If a recipient has more than one account, you can split that payment into several accounts.

Create Batch Payee List

Create batches imported from an existing

Import Batch From File

file.

Getting Started: Transaction Type Overview

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Business Banking Manage 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. Admin is responsible to lock users and their access when applicable. 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 smooth as possible. The admin is able to grant access, services and limits up to their access level. Admins can also create other admins by doing this.

Business Banking: Manage 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 Menu , click Business Features , then click Manage Users . A. View the name of each user on the left side of your screen.

Business Banking: Manage Users Overview

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

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6 In the Sidebar Menu , click Business Features , then 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: Manage 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.

Business Banking: Manage 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. 19. Once the new online user has been successfully created, follow the steps in the Editing Users section on page 16 of this guide to provide the proper entitlements.

Business Banking: Manage 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 Menu , click Business Features , then 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 icon.

Business Banking: Manage Users Overview

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Business Banking Approving New Users

New users that have not been approved 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 Menu , click Business Features , then 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 Menu , click Business Features , then 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 Tab 1

In the Sidebar Menu , click Business Features , then click Manage Users . 1. You have the ability to reset the users password.

Accounts Tab 1

In the Sidebar Menu , click Business Features , then click Manage Users . 1. You have the ability to enable/disable specific accounts for the user.

Money Movement Tab 1

In the Sidebar Menu , click Business Features , then click Manage Users . 1. You have the ability to enable/disable the user to have transfer functions to specific accounts.

Business Banking: Editing Users

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Business Payments Tab

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In the Sidebar Menu , click Business Features , then click Manage Users . 1. You have the ability to enable/disable Business Payments functions for the user. 2. Clicking the Options button under ACH, Wires & Federal Tax Payments will provide a pop up screen where you can make adjustments to the Credit/ Debits Limits as well as what entitlements that specific user has for that Business Payment Function.

Note : Always remember to click the Save Changes button at the top right.

Business Banking: Editing Users

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3rd Party Tab

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In the Sidebar Menu , click Business Features , then click Manage Users . 1. You have the ability to enable/disable additional functions for specific accounts such as Remote Deposit (mobile deposit), A2A (account to account transfers), Statements & Bill Pay. 2. Enabling Remote Deposit function will allow you to select the options button. A pop up screen will populate where you can make adjustments to dollar amounts the user is able to deposit, if applicable.

Note : Always remember to click the Save Changes button at the top right.

Business Banking: Editing Users

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Independent Services Tab

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In the Sidebar Menu , click Business Features , then click Manage Users . 1. You have the ability to enable/disable additional functions to the user such as making them the User Admin, allowing them to utilize the Secure Messaging function, ability to place stop payments via their online banking. Granting them the option to setup account alerts, view check/deposit images as well as have debit card functions – if they have a debit card with the business.

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 Country 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 Menu , click Business Features , then 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 Menu , click Business Features , then 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 Menu , click Business Features , then 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 Menu , click Business Features , then 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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Disable User

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In the Sidebar Menu , click Business Features , then click Manage Users . 1. Locate user in the list or using the search field 2. Click the icon on the right side once user has been located and click 3. A pop up will populate asking if you are sure you want to disable the user, select Confirm . Disable User .

Note : Always remember to click the Save Changes button at the top right.

Business Banking: Reseting a User’s Password

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Business Banking Secure Message Overview

If you have questions about your accounts or need to speak with someone at Country Bank, Secure Messages allows you to communicate directly with a Country 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 Other Features then click Secure Messaging . 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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Business Banking 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 Other Features then click Secure Messaging . 1. Create a new message by clicking the icon.

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.

icon.

Business Banking: Sending a Secure Message

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Business Banking Create Payment

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

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In the Sidebar Menu , click Business Features then click Business Payments . A. Use the Rows per page drop down menu to view 25, 50, 75, or 100 rows per page. B. Click on the left and right buttons to navigate through the list by the number of rows selected. For example, if 25 is selected, using the arrows will display the previous/next 25 rows. C. Select the Filter tool to filter the recipients list. 5. Select the desired filters and click the Apply button. The Recipients list will display which filters are

currently applied. Click the x to remove a filter at any time. D. The following information presents for each recipient: • Name

• Reference Number • Account Number • Account Type • Payment Methods

Business Banking: Create Payment

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E. Click the icon associated with the appropriate recipient and select: • Details to view Payee Name, Payee Type, Account Type, Account Number, Routing Number, Address, City, State, and Zip Code • Pay Again to create a new payment with existing recipient • Edit to edit the recipient details • Delete to delete the recipient Note: If the recipient is part of an existing batch, you will need to select Edit and edit the batch to remove them from the batch before you can delete the recipient. F. To Print the Recipient list, select the Print button in the top toolbar. This option will only print the list displayed. For example, if you’ve selected 25 rows per page, the printed list will include the 25 rows currently shown on screen. Use the filters and pagination tools to print exactly what you need.

Business Banking: Create Payment

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Add Recipient If you are assigned the Payee Management entitlement, you will need to set up your recipients before you can send payments. In order to add a recipient, you will need to have their contact and account information.

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In the Sidebar Menu , click Business Features then click Business Payments . 1. Click the Add Recipients button. 2. Click the Create Payee (Desktop) or Add Recipient (Mobile) button. 3. Select a transfer type using the drop-down. 4. Click the Next button.

Business Banking: Create Payment

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ACH - Recipient Account Detail When adding a payee who will only receive ACH payments, you will need to provide additional information for that recipient.

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1. Check the box next to “ACH.” 2. Select either Consumer or Business from the drop-down. PPD SEC codes are

labeled consumer and CCD SEC codes are labeled business. 3. Enter the name of the person or business receiving the ACH. 4. (Optional) Enter the recipient’s email address.

5. Enter a reference number. The reference number is used to differentiate between two recipients with the same name. This field is required and can be populated with an invoice number, employee number or other details unique to the recipient. 6. Enter their account number. 7. Select an account type using the drop-down. 8. Enter their ACH routing number. 9. Click the Next button.

Business Banking: Create Payment

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10. Enter a Company Entry Description. 11. Click the Next button. 12. Continue to page 43.

Note : The Company Entry Description is a short (10-character) description that informs the receiver of the transaction’s purpose. The receiver will be able to see this description. For example: payroll, purchase or gas bill. The value entered in this field will be used to populate the Batch Header’s Company Entry Description field in the file when initiating a single-entry transaction. This field is overwritten by the batch description if the user associates the recipient to a batch created within our system.

Business Banking: Create Payment

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ACH & Wire - Receiving Bank Detail When adding a payee who will receive ACH and wire payments, you will need to provide additional information for that recipient.

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Follow steps 1-4 on page 30. 1. Check the boxes next to “ACH” and “Wire.” 2. Select either Consumer or Business from the drop-down. PPD SEC codes are

labeled consumer and CCD SEC codes are labeled business. 3. Enter the name of the person or business receiving the ACH. 4. (Optional) Enter a Contact Name. 5. (Optional) Enter the Recipient’s Email Address.

6. Enter a reference number. The reference number is used to differentiate between two recipients with the same name. This field is required and can be populated with an invoice number, employee number or other details unique to the recipient. 7. (Optional) Enter the Recipient’s Phone and Fax Number. 8. Enter their Account Number. 9. Select an Account Type using the drop-down.

Business Banking: Create Payment

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10. Enter their Street Address. 11. Enter their ACH Routing Number. 12. Enter their Wire Routing Number. The Bank Name will auto-populate. 13. Enter their Bank’s Street Address. 14. Click the Next button.

Business Banking: Create Payment

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15. Enter a Company Entry Description. 16. Click the Next button.

Note : The Company Entry Description is a short (10-character) description that informs the receiver of the transaction’s purpose. The receiver will be able to see this description. For example: payroll, purchase or gas bill. The value entered in this field will be used to populate the Batch Header’s Company Entry Description field in the file when initiating a single-entry transaction. This field is overwritten by the batch description if the user associates the recipient to a batch created within our system.

Business Banking: Create Payment

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ACH & Wire - Receiver and Intermediary Detail Some financial institutions use an in-between third-party bank called an intermediary to process funds. If your receiving bank requires an intermediary, you will need the financial institution’s wire routing number and address.

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If you have a Reciever DI Bank and/or an Intermediary Bank, follow the steps below, if not click the Next button. 1. Check the box next to “Receiver DI Bank.” 2. Enter the Receiver DI Bank’s Routing Number. The Bank Name will auto-populate. 3. Check the box next to “Intermediary Bank.” 4. Enter Intermediary Bank’s Routing Number. The Bank Name will auto-populate. 5. Enter Intermediary Bank’s Address.

6. Click the Next button. 7. Continue to page 43.

Business Banking: Create Payment

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Domestic Wire - Receiving Bank Detail Before sending a wire to a person or business, the recipient must be added to Country Bank Digital Banking.

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Follow steps 1-4 on page 30. 1. Check the box next to “Wire.”

2. Using the dropdown, select if the recipient is a Consumer or Business. 3. Enter the Name of the person or business receiving the wire. Ensure the name entered does not exceed 35 characters or include any special characters. 4. Enter the Contact Name. This can be the same as the recipient in the case of a Consumer recipient. Ensure the name entered does not exceed 35 characters or include any special characters. 5. (Optional) Enter the recipient’s email address. 6. The Reference Number field is optional and is used to differentiate between two recipients with the same name or recipients who have both checking and savings account information in the system. It can also be used to add employee numbers or recipient specific information. Note: This number must be unique to this recipient and cannot contain special characters. 7. Enter the wire recipient’s Phone Number. This step is optional, but recommended. 8. Enter the wire recipient’s Fax Number (optional).

Business Banking: Create Payment

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9. Select the Account Number and Account Type (Checking or Savings) to which the payment will be sent. 10. Enter the address details for the wire recipient: Address, City, State, and ZIP code. 11. Enter the Routing Number of the recipient’s financial institution. The system will pre-fill the Bank Name after entering the routing number. 12. Enter the address details for the recipient financial institution receiving the wire on behalf of the recipient: Address, City, State, and ZIP code. 13. Click the Next button. Note : Incorrect receiving bank details are the main reason wire transfers get rejected. Wires are considered a final method of payment and may not be recalled if incorrect information is entered. Be sure the wiring instruction data is accurate.

Business Banking: Create Payment

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Domestic Wire - Receiver and Intermediary Detail When necessary, these options enable users to add two-part wiring instructions.

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If you have a Reciever DI Bank and/or an Intermediary Bank, follow the steps below, if not click the Next button. 1. Check the box next to “Receiver DI Bank.” 2. Enter the receiver DI Bank’s Routing Number and Bank Name. 3. Check the box next to “Intermediary Bank.” 4. Enter Intermediary Bank’s Routing Number. The bank’s name will auto-populate. 5. Enter Intermediary Bank’s Address. 6. Click the Next button.

Business Banking: Create Payment

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International Wires Only - Beneficiary Bank Detail International wires must be enabled for the business and the business users. Funds can only be sent in U.S. dollars.

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Follow steps 1-4 on page 30. 1. Using the dropdown, select if the recipient is a Consumer or Business. 2. Enter the Name of the person or business receiving the wire. Ensure the name entered does not exceed 35 characters or include any special characters. 3. Enter the Contact Name. This can be the same as the recipient in the case of a Consumer recipient. Ensure the name entered does not exceed 35 characters or include any special characters. 4. (Optional) Enter the recipient’s email address. 5. The Reference Number field is optional and is used to differentiate between two recipients with the same name or recipients who have both checking and savings account information in the system. It can also be used to add employee numbers or recipient specific information. Note: This number must be unique to this recipient and cannot contain special characters. 6. Enter the wire recipient’s Phone Number. This step is optional, but recommended. 7. Enter the wire recipient’s Fax Number (optional).

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8. Enter the Address for the recipient. Specific address formatting is not supported for varying address entries for international recipients. 9. Enter the SWIFT/BIC. A SWIFT code is an international bank identifier code. Also known as a Bank Identifier Code (BIC). A SWIFT code consists of 8 or 11 characters. 10. Enter the name of the Beneficiary FI that will receive the wire on behalf of the consumer or business above. 11. Enter the Address details for the financial institution receiving the wire. Address 1 is required; all others are optional. 12. Click the Next button.

Business Banking: Create Payment

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International Wires Only - Receiver and Intermediary Detail Some financial institutions use an in-between third-party bank called an intermediary to process funds. If your receiving bank requires an intermediary, you will need the financial institutions wire routing number or SWIFT and address.

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If you have a Reciever DI Bank and/or an Intermediary Bank, follow the steps below. If not, if not click the Next button. 1. Check the box next to “Receiver DI Bank.” 2. Enter the receiver DI bank’s routing number and bank name. 3. Check the box next to “Intermediary Bank.” 4. Use the drop-down to select “ABA” or “SWIFT.” 5. Enter the intermediary bank’s routing number or SWIFT/BIC number. The bank’s name will auto-populate. 6. Enter the intermediary bank’s address. 7. Click the Next button.

Business Banking: Create Payment

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Review

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1. Review the information and click the Save button when you are finished. You will receive a message that says the payee was created successfully.

2. Click the Pay Now button to send the payment. 3. Click the Close button to close the popup window.

Business Banking: Create Payment

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Business Banking Editing a Recipient

Users can edit Wire recipients whenever necessary.

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In the Sidebar Menu , click Business Features then click Business Payments . 1. Find the recipient you want to edit, click the icon and select “Edit” (Desktop) or “View Details” (Mobile). 2. Make changes to the recipient’s information. Click the Next button to review each screen and, then the Save button on the last screen.

Business Banking: Editing a Recipient

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Business Banking Deleting a Payee

If you are assigned the Payee Management entitlement, you have the ability to permanently delete a recipient that is no longer needed. This deletes their contact information from the Business Payments screen, but does not erase the data from any existing payments. To remove a recipient from a saved transaction, you must delete them from the actual transaction.

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In the Sidebar Menu , click Business Features then click Business Payments . 1. Find the recipient you want to delete, click the icon and select “Delete” (Desktop) or “Delete Payee” (Mobile). 2. Click the Confirm button when you are finished.

Business Banking: Deleting a Payee

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Business Banking Create Batch Payee List

Business Online Banking allows you to create a batch payee list to make quick payments to multiple people. This is especially beneficial when doing payroll since you can enter multiple amounts and recipients.

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In the Sidebar Menu , click Business Features then click Business Payments . 1. Click the Add Recipient button. 2. Click the Create Batch Payee List button.

Business Banking: Create Batch Payee List

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3. Enter the batch name. 4. Use the drop-down to select a BatchType. 5. Enter a Batch Description. This field is limited to ten characters or less. The description is automatically added to the NACHA-formatted ACH file. 6. Select the Payment Type by checking the appropriate box. 7. (Optional) Check this box if the transaction is a payroll batch. If enabled, this batch will be restricted to only entitled business users. 8. Click the Add Recipients button.

Note : For desktop instructions continue to the next page. For mobile instructions go to page 50.

Business Banking: Create Batch Payee List

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Desktop

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1. Click on the Recipient ID or Recipient fields to select a established payee . 2. Use the drop-downs to select the Account Type, Pay Type and +/- Type. 3. Enter the Amount. 4. Click the icon to add an Addenda. (You may need to scroll to see the icon.) 5. Click the Add Recipient button. 6. Repeat steps 1-5 to add additional recipients. 7. Click the Review button.

Business Banking: Create Batch Payee List

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8. Review payment information. 9. Click the Save button. You will receive a message that says the batch was created successfully.

10. Click the Pay Now button to send the batch payment. 11. Click the Done button to close the popup window.

Business Banking: Create Batch Payee List

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Mobile Add Recipients

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Select Business Payments from the drop-down. 1. Click Add Recipients. 2. Select ACH 3. Select Consumer or Business from the drop dow. 4. Input Payee Information and click the Next button. 5. Review and click the Save button. 6. Click the Pay Now button.

Business Banking: Create Batch Payee List

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Mobile Create Payment

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Select Business Payments from the drop-down. 1. Click the Tranfer Funds button. 2. Select a Recipient. 3. Select a Method. 4. Select Payment Type from the drop-down. 5. Select an Offset Account. 6. Use the drop-down to select an originating ID. 7. Enter Amount. 8. Enter an effective date.

9. Select a frequency using the drop-down. Frequency options include: One[1] time, Weekly, Every two weeks, Monthly, Every three months and Annually. For a recurring transfer choose how long the transfer should occur. • Until Canceled: Transactions process until the user cancels the recurring payment in the application. • Until End Date: Transactions occur on the scheduled frequency until the end-date that the user designates has passed. • Until Total Payments Made: Transactions occur on the scheduled frequency until the designated number of payments have been completed. b. Enter an end date or total number of transfers, if necessary. 10. (Optional) Enter Memo. 11. Click the Submit button and select confirm to schedule payment.

Business Banking: Create Batch Payee List

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Business Banking Import Batch from File

When creating a batch payment, you can import select ACH, delimited or fixed length files from your device. This allows you to import recipients and amounts

swiftly and efficiently. Import ACH File

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In the Sidebar Menu , click Business Features then click Business Payments . 1. Click the Add recipients button. 2. Click the Import Batch from File button. 3. Click the Import ACH File button.

Business Banking: Import Batch from File

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4. Click the Choose File button to choose a file to upload. 5. Follow these steps to upload a new file: a. Use the drop-down and select “Add a new batch.” b. Enter the Payee Name. (10 Characters Maximum)

6. Follow the steps to update an existing file: a. Use the drop-down and select “Update existing batch.” b. Select a Batch from the drop-down. c. (Optional) Check the box to add new payees to the batch. 7. (Optional) Check the box to create a payroll batch. If enabled, this batch will be restricted to only entitled business users. 8. Click the Next button. 9. Review the information and click the Confirm button.

Business Banking: Import Batch from File