Enterprise Bank and Trust Commercial Online Banking User Guide

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

St. Louis, MO 63021 www.mcompany.com

© 2009–2025 Murphy & Company, Inc. Quicken is a registered trademark of Intuit, Inc. Macintosh is a trademark of Apple Inc., registered in the U.S. and other countries. Adobe Reader is a registered trademark of Adobe Systems, Inc. © 2012. Portions of this guide were written by Q2 Software, Inc..

Disclaimer Concepts, strategies and procedures outlined in this guide can and do change and may not be applicable to all readers. The content in this guide is not warranted to offer a particular result or benefit. Neither the author, publisher nor any other party associated with this product shall be liable for any damages arising out of the use of this guide, including but not limited to loss of profit, commercial, special, incidental or other damages. For complete product and service information, please refer to the terms, conditions and disclosures for each product and service.

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Getting Started

This document is intended to give you the background information and procedures for the commercial version of online and mobile banking. This guide will walk a user through key areas of your online banking experience such as: funds transfer, payment templates, ACH & Wire Transfers, as well as user management. For Commercial customers, the guide explains how to do the following procedures and more: • Manage multiple users • Create and edit payment recipients • Create and edit the following payment and template types: • Domestic Wire Transfers • International Wire Transfers • ACH Payments, ACH Receipts, ACH Batches and ACH Collections • Payrolls • Tax Payments • Upload and process complex ACH files with ACH PassThru Audience This document is intended for all users with commercial accounts of the 4.6 release of online and mobile banking.

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Table of Contents Getting Started

Commercial Online Banking Overview.......................................................................6 Installing the Mobile Banking App....................................................................................... 6 Access Online Banking .......................................................................................................... 6 Logging In.......................................................................................................................7 Logging Off ............................................................................................................................. 7 Registering a Browser or Device .................................................................................8 Secure Access Code Delivery Methods ............................................................................... 8 Resetting a Forgotten Password .................................................................................9 Overview ......................................................................................................................11 Commercial Banking Features ........................................................................................... 12 User Management Users Overview ...........................................................................................................14 User Management Overview.............................................................................................. 15 Adding a New User ............................................................................................................. 16 Part 1 of 5: Establishing Transaction Type Rights ............................................................ 17 Part 2 of 5: Disabling a Transaction Type ......................................................................... 18 Part 3 of 5: Editing Approval Limits for a Transaction Type ........................................... 19 Part 4 of 5: Establishing Rights to Access Features.......................................................... 20 Part 5 of 5: Establishing Rights to Access Accounts......................................................... 21 Editing an Existing User’s Rights ...............................................................................22 Deleting a User............................................................................................................23 Recipients Recipient Overview .....................................................................................................24 ACH Only - Part 1 of 2: Adding a Recipient ....................................................................... 25 ACH Only - Part 2 of 2: Recipient Account Detail ............................................................. 26 ACH & Wire - Part 1 of 4: Adding a Recipient.................................................................... 27 ACH & Wire - Part 2 of 4: Beneficiary FI Detail .................................................................. 28 ACH & Wire - Part 3 of 4: Intermediary FI Detail .............................................................. 29 ACH & Wire - Part 4 of 4: Recipient Account Detail.......................................................... 30 Wires Only (Domestic) - Part 1 of 4: Adding a Recipient ................................................. 31 Wires Only (Domestic) - Part 2 of 4: Beneficiary FI Detail ............................................... 32 Wires Only (Domestic) - Part 3 of 4: Intermediary FI Detail ............................................ 33 Wires Only (Domestic) - Part 4 of 4: Recipient Account Detail ....................................... 34 Wires Only (International) - Part 1 of 4: Adding a Recipient ........................................... 35 Wires Only (International) - Part 2 of 4: Beneficiary FI Detail ......................................... 36 Wires Only (International) - Part 3 of 4: Intermediary FI Detail ...................................... 37 Wires Only (International) - Part 4 of 4: Recipient Account Detail ................................. 38

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Editing a Recipient ......................................................................................................39 Editing a Recipient’s Templates.......................................................................................... 40 Deleting a Recipient....................................................................................................41 Payments Payment Template Overview ....................................................................................42 Creating a Template ...................................................................................................43 ACH Payments...................................................................................................................... 44 ACH Single Payment ............................................................................................................ 47 ACH Collections.................................................................................................................... 49 ACH Single Receipt............................................................................................................... 51 Domestic Wire ...................................................................................................................... 53 International Wire................................................................................................................ 55 Payroll.................................................................................................................................... 58 Using a Template ........................................................................................................60 Editing a Template ......................................................................................................61 Deleting a Template ...................................................................................................62 Sending a Single Payment..........................................................................................63 ACH Payments...................................................................................................................... 63 ACH Single Payment ............................................................................................................ 66 ACH Collections.................................................................................................................... 68 ACH Single Receipt............................................................................................................... 71 Domestic Wire ...................................................................................................................... 73 International Wire................................................................................................................ 76 Payroll.................................................................................................................................... 79 Splitting a Payment.............................................................................................................. 81 Payment From File......................................................................................................82 Importing a CSV file ............................................................................................................. 82 Importing a NACHA file ....................................................................................................... 84 Viewing, Approving or Canceling a Transaction......................................................86 Single Transaction................................................................................................................ 86 Multiple Transactions.......................................................................................................... 88 Recurring Transaction Series.............................................................................................. 90 ACH Pass-Thru.............................................................................................................91 ACH NACHA Upload Errors................................................................................................. 92 ACH NACHA Upload Details ............................................................................................... 93 Tax Payment................................................................................................................94 Mobile Authorizations ................................................................................................95

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Transfers Funds Transfer ............................................................................................................96 Individual Transfers............................................................................................................. 96 Multi-Account Transfers Overview .................................................................................... 98 Multi-Account Transfers- Creating a Template ................................................................ 99 Multi-Account Transfers................................................................................................... 101 Editing a Multi-Account Transfer Template .......................................................... 103 Deleting a Multi-Account Transfer Template........................................................ 104 ACH Reporting Introduction.............................................................................................................. 105 ACH Reporting.......................................................................................................... 106 Fraud Solutions Introduction.............................................................................................................. 107 Void a Check ............................................................................................................. 108 Check Search ............................................................................................................ 109 ACH Transaction Search.......................................................................................... 111 Daily Checks Issued Summary ............................................................................... 113 Exception Items........................................................................................................ 114 Transaction Audit Log.............................................................................................. 115 Issued Check File Processing Log........................................................................... 116 Quick Exception Processing.................................................................................... 117 Submit Issued Check File ........................................................................................ 120 Add New Issued Check............................................................................................ 121 Business Bill Pay Home Page Overview .............................................................................................. 122 Add a Payee .............................................................................................................. 124 Company............................................................................................................................ 124 Individual Electronic Payments: Allowing an Individual to Provide Their Banking Information........................................................................................................................ 126 Individual Electronic Payments: If You Have an Individual’s Account Information .. 128 Individual Check Payments.............................................................................................. 130 Activate a Payee ................................................................................................................ 132 Import Payees .......................................................................................................... 133 Edit a Payee .............................................................................................................. 136 Delete a Payee.......................................................................................................... 137 Add and Manage Categories .................................................................................. 138 Single Payment......................................................................................................... 139 Edit or Stop a Single Payment ................................................................................ 140

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Create a Recurring Payment................................................................................... 141 Edit or Stop a Recurring Payment.......................................................................... 143 Payment Approval ................................................................................................... 145 Add a Transfer Account........................................................................................... 146 Delete or Edit a Transfer Account.......................................................................... 147 One-Time Transfer................................................................................................... 148 Edit or Stop a Single Transfer ................................................................................. 149 Recurring Transfers ................................................................................................. 150 Edit or Stop a Recurring Transfer........................................................................... 151 Transfer Approval .................................................................................................... 153 Calendar.................................................................................................................... 154 Company Profile ...................................................................................................... 155 Delete or Edit Bill Pay Accounts ............................................................................. 156 Modify User Permissions ........................................................................................ 157 Personal Profile........................................................................................................ 158 e-Notifications .......................................................................................................... 159 Events ................................................................................................................................. 159 Logout ................................................................................................................................ 160 Recurring............................................................................................................................ 161 Reminders.......................................................................................................................... 162 Reports...................................................................................................................... 163

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Getting Started Commercial Online Banking Overview

This section introduces basic concepts and tasks in online and mobile banking. Installing the mobile banking app • Access Online Banking

• Logging In • Logging Off • Resetting Forgotten Password

Installing the Mobile Banking App Download and install the mobile banking application to use on your iOS or Android device from the Apple App Store or the Google Play store. In the store, verify Enterprise Bank & Trust is listed as the seller of the app, and that the name is spelled correctly. Access Online Banking You can use a web browser to connect to the online banking site on a desktop computer or other supported device. It is recommended that you enable pop up windows in the browser for your online banking site. If they aren’t enabled, certain features may appear in separate windows in your browser or may not appear at all. For the best experience with online banking on a tablet or smartphone it is recommended to use the mobile banking app instead of an internet browser. 1. Click or tap a contact method to send a Secure Access Code. 2. Enter the code and click or tap the Submit button. 3. If prompted to register the device, click or tap the Register Device button. Each time you use a new browser or device to log in, you may need to request a secure access code. You should only register a device if it a trusted private device. 4. Enter a password and re-enter to confirm. Click or tap the Submit button. See Registering a browser or device on page 8 for more information.

Getting Started: Commercial Online Banking Overview

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Getting Started Logging In

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

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1. Enter your login ID and click the Log In button. 2. Enter your password and click the Submit button.

Note: If you enter an incorrect password too many times, your account will be temporarily locked. Call us at (833) 896-2850 for assistance.

Logging Off For your security, you should always log off when you finish your Online Banking

session. We may also log you off due to inactivity. 1. Click the Log Off tab in the navigation menu. 2. Close your internet browser.

Getting Started: Logging In

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Getting Started Registering a Browser or Device

A conventional authentication system relies on two forms of identification to prove your identity: your login ID and your password. Multi-factor authentication uses multiple forms of identification to make it harder for attackers to access your account. The multiple forms of identification can include something that you know, such as a password, and something that only you have. In online and mobile banking, we can send a secure access code to a contact address that you configure. The code is only valid for a single use and it expires after a short time. You choose one of the following ways to deliver the code: Secure Access Code Delivery Methods • Phone: The system calls the telephone number on file. You answer the phone normally and make a selection to hear the code. If necessary, you can repeat the code. The system does not leave the code on voice mail. If you miss the call, you can request a new code. Text (SMS) The system sends a text message with the code. Standard text messaging fees apply. If you have never used a particular browser or device to log in, you may need to enter a secure access code to use it. If the browser or device is one that you plan to use again, you can register it. By registering a browser or a device, you confirm that it is under your control and that you intend to use it to access in online banking or mobile banking. You will need to register your browser or device again in the following circumstances:

• You use a different browser on your desktop. • You delete and reinstall the mobile banking app. • Your browser does not save browser cookies. • You clear existing browser cookies. • We reset registration for all users for security reasons.

Getting Started: Registering a Browser or Device

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Getting Started Resetting a Forgotten Password

If you forget your password, you can easily reestablish a new one from the Enterprise Bank & Trust Home page—no need to call us!

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1. Enter your login ID and click the Log In button. 2. Click the “Forgot your password?” link. 3. Enter your login ID and click the Submit button.

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

Getting Started: Resetting a Forgotten Password

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4. Choose the contact method that allows Enterprise Bank & Trust to reach you immediately with a six-digit SAC. 5. Enter the SAC and click the Submit button. 6. Create a new password based on our password requirements, and click the Submit button when you are finished.

Getting Started: Resetting a Forgotten Password

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Getting Started Overview

The Commercial version of online banking is intended for use by companies with high transaction volumes and a large number of employees that require complex entitlement structure. It provides end users with more control over who does what, to which accounts, and when, as compared to the control provided in the Commercial version of online banking. This set of extended permissions is known as entitlements. If you do not use the Commercial product, you can skip this chapter. Commercial includes features that help you manage entitlements, provide reports for your end users, and validate routing transit numbers (RTN). These features are only available for users in Commercial groups.

Getting Started: Overview

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Commercial Banking Features

Feature

Description

Perform RTN validation (RTN lookup) by entering either an American Banker Association (ABA) routing number or FI name into the Recipient Account Record ABA field and have matching entries returned to reduce errors.

RTN Validation

Commercial Users with draft and/or approval rights for account transfers can process multiple transactions at one

Multi- Account

Transfers

time.

Includes ability for end users to execute multiple domestic or international wire transactions from one screen and save the set of wire transactions as a template. End users can select a single or different effective date for all of the transactions. A single batch ID will be associated for each wire to streamline approval and reconciliation. Includes the ability to import a comma separated (CSV) file of multiple domestic or international wires, replacing the need to manually key in wires. Uploaded wires will be represented as single transaction in the Activity Center. A single batch ID will be associated for each wire to streamline approval and reconciliation. Only files containing the mandatory Fedwire and SWIFT fields will be supported.

Multi-Wire Origination

Batch Wire Uploads

Provides the ability to upload a NACHA file containing recipient information to create new and update existing recipient records when uploading ACH batch payments (ACH payments, collections, and payroll).

Recipient Upload from

Batch Payment

Provides the ability for end users to access and view transaction details associated with incoming or outgoing domestic and international wire transfers. Connectivity to a real-time wire processor is required.

Incoming / Outgoing

Wire Activity

Provides the ability for a User to add labels to accounts within the Company Policy page where the labels can be associated with entitlements and information reporting.

Account Labels

Getting Started: Overview

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Feature

Description

Some financial transactions require Dual Action approval by a different end user than the one who created it, even if the drafter has approval rights. This action is driven by dollar amount and can be set at the Group level; that setting applies at the Company and User Role level as well.

Dual Action by Transaction Type

Allows with access to a large volume of accounts to organize Commercial Dashboard accounts, view different balances, and access quick links in a User-defined view.

Getting Started: Overview

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User Management Users Overview

Depending on your number of employees, owners and company policies, Commercial Online Banking lets you set up multiple users with different responsibilities. New users can be created with their own unique login IDs and passwords. Each user is assigned a set of user rights that permits or prevents them from performing certain actions such as: • Sending or drafting payments and creating templates for certain transaction types. • The number of approvals that can be completed in a day or the dollar amount in a specific transaction. • Accessing specific accounts. • Managing recipients, users, subsidiaries and templates. Authorized users can set up the features, accounts and rights each user needs to do their job. Establishing these rights gives users permission to perform specific tasks, helping you manage your commercial and keep it running as smooth as possible.

User Management: Users Overview

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

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

• Email address • Last login time

B. Click the icon to edit a user. C. Locked logins will appear in red. Go to page 14 for more information about unlocking logins. D. You can sort users in alphabetical or reverse alphabetical order by user, email address or last login order by clicking the icon next to the Users column.

User Management: Users Overview

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

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

User Management: Users Overview

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Part 1 of 5: Establishing Transaction Type Rights You start assigning or editing a user’s rights in the Transactions tab, which helps you decide which responsibilities and limitations a user should have regarding certain transactions. Here, you can change a user’s approval limits and decide which transaction types they can view, draft, approve or cancel.

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1. Choose a type of transaction to assign rights for. You can also use the “Transaction Filter” drop down to narrow your choices. 2. Choose whether a user can draft, approve, cancel or view a specific transaction by checking the appropriate boxes. • Draft : Create a transaction or template that needs approval from an authorized user. • Approve : Send or accept drafted transactions. • Cancel : Reject a drafted or unprocessed transaction. 3. Use the drop-down to change which transaction activity a user can view. • All: Can view activity of all users. • Account: Can view transactions to or from entitled accounts • Own: Can view only their activity. • None: Cannot view activity of any user.

Note: Users must have the ALL or ACCOUNT view right enabled to approve transactions.

User Management: Users Overview

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Part 2 of 5: Disabling a Transaction Type If a user should not have access to a certain transaction type, such as payroll, an authorized user can disable those rights for individual user.

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1. Select the transaction type to disable. You can also use the “Transaction Filter” drop down to narrow your choices. 2. Toggle the switch to “Disabled” for that specific transaction. 3. When disabling a transaction type authorized user needs to disable the View option in order for the individual user not to be able to see those transactions in their Activity & Approvals. 4. Click the Save button when you are finished making changes.

User Management: Users Overview

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Part 3 of 5: Editing Approval Limits for a Transaction Type To give you peace of mind, a user’s approval limits can be adjusted so you never have to worry about the amount or number of transactions they make. You can set these restrictions for a daily and monthly basis as well as per account.

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1. Select a transaction type to edit a user’s approval limits. You can also use the “Transaction Filter” drop down to narrow your choices. 2. Edit the maximum amounts a user can approve or draft and the maximum number of transactions a user can perform. 3. Click the Save button when you are finished making changes.

User Management: Users Overview

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Part 4 of 5: Establishing Rights to Access Features When assigning user rights, the Features tab lets you control who can edit templates or manage users, subsidiaries or recipients. Depending on their User Policy or job roles, some users may have different responsibilities than others.

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1. Click the Features tab. 2. Use the toggles to enable or disable features. 3. Click Save when you are finished making changes.

Note: If Manage Users is assigned to a user, they can change their own rights. Be sure to limit which users have this feature.

User Management: Users Overview

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Part 5 of 5: Establishing Rights to Access Accounts The Accounts tab lets you decide which users have access to perform specific tasks within an account, including viewing the account and transaction histories and making deposits or withdrawals.

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1. Click the Accounts tab. 2. Edit a user’s ability to view, deposit or withdraw in a specific account. • User right is active. • User right is disabled. • User right is locked and cannot be edited. 3. Click the Save button when you are finished making changes.

User Management: Users Overview

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User Management Editing an Existing User’s Rights

Authorized users with the Manage Users right 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 Commercial tab, click Users . 1. Find the user you want to edit and click the

icon.

2. Click the Assign Rights button. 3. Make the necessary changes to the existing user. 4. Click the Save button when you are finished making changes.

Note: For more details on editing user rights, visit page 17.

User Management: Editing an Existing User’s Rights

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User Management Deleting a User

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

Note: If a User is Deleted please contact the bank if the user has access to other Commercial products.

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

User Management: Deleting a User

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Recipients Recipient Overview

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

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

icon next to the appropriate column to sort recipients by display

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

Recipients: Recipient Overview

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

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

Recipients: Recipient Overview

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

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

Recipients: Recipient Overview

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

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

Recipients: Recipient Overview

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ACH & Wire - Part 2 of 4: Beneficiary FI Detail When sending a wire, the beneficiary FI is the final bank that receives the funds.

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

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

Recipients: Recipient Overview

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ACH & Wire - Part 3 of 4: Intermediary FI Detail Some FIs use an in-between third-party bank called an intermediary FI to process funds. If your beneficiary FI requires an intermediary FI, you need the FI’s name, ABA number, and address 1, city, state and zip code.

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

Recipients: Recipient Overview

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

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

Recipients: Recipient Overview

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

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

Recipients: Recipient Overview

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Wires Only (Domestic) - Part 2 of 4: Beneficiary FI Detail When sending a wire, the beneficiary FI is the final bank that receives the funds.

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

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

Recipients: Recipient Overview

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Wires Only (Domestic) - Part 3 of 4: Intermediary FI Detail Some FIs use an in-between third-party bank called an intermediary FI to process funds. If your beneficiary FI requires an intermediary FI, you need the FI’s name, ABA number, and address 1, city, state and zip code..

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

Recipients: Recipient Overview

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

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

Recipients: Recipient Overview

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

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In the Commercial tab, click Recipients . 1. Click the New Recipient button. 2. Enter the recipient’s name and email address. 3. Check the box next to “Send email notifications for template payments” to alert them when a payment is sent. 4. (Optional) Click the “+Add Account” link to add a new account. 5. Select a payment type using the “Payment Type” drop-down. 6. Select International from the “Beneficiary Type” drop-down. 7. Select Account and SWIFT/BIC or Account, IBAN, and SWIFT/BIC using the “International Account Type” drop-down. 8. Enter in the recipient (AKA Creditor or Beneficiary) account number. Note: If you only have an account number and SWIFT/BIC number, select the account and SWIFT/BIC option, and then enter in the account number in the account number field. If you have an account number, IBAN or CLABE, and a SWIFT/BIC number, select the account, IBAN, and SWIFT/BIC option, and enter in the account number in the account field, and the IBAN or CLABE in the IBAN field.

9. Click the icon to edit or remove a recipient’s account information.

Recipients: Recipient Overview

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Wires Only (International) - Part 2 of 4: Beneficiary FI Detail When sending a wire, the beneficiary FI is the final bank that receives the funds. Account and SWIFT/BIC

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Account, IBAN and SWIFT/BIC

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

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

Recipients: Recipient Overview

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

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1. Enter the intermediary FI’s name. 2. Use the drop-down to select the intermediary FI’s country. 3. Enter the intermediary FI’s wire routing number, IBAN and/or SWIFT/BIC code. These options will vary depending on the country selected. 4. Enter the intermediary FI’s address. 5. Click the button.

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

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1. Enter the wire beneficiary or creditor’s name. 2. Select the recipient’s country using the drop-down. 3. Enter the recipient’s address. These options will vary depending on the country selected. 4. Click the Save Recipient button.

Recipients: Recipient Overview

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Recipients Editing a Recipient

If a recipient’s account or personal information changes, an authorized user can make those necessary edits from the Recipient Management page. Changes made to a recipient will not be updating in any recurring transactions to that recipient. You will need to first delete the existing transaction and then create a new one.

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

Recipients: Editing a Recipient

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

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3 1. Review the list of templates the recipient is added to and the amount the recipient receives from each payment. 2. Click the “Access” link to edit a specific template. 3. Click the Save Recipient button when you are finished making changes.

Note: For additional information about editing a recipient’s assigned templates, go to page 42.

Recipients: Editing a Recipient

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Recipients Deleting a Recipient

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

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

Recipients: Deleting a Recipient

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Payments Payment Template Overview

If you have frequent repeating payments such as payroll or wires, you can set up a template so each transaction is fast and simple. These templates automate your routine transactions by making a payment model with detailed directions established by an authorized user. Using templates reduces mistakes and saves you time on a regular basis.

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

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

Payments: Payment Template Overview

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Payments Creating a Template

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

Payments: Creating a Template

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

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

Payments: Creating a Template

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6. Select an SEC code using the drop-down. For the SEC code, select either Individual (PPD) or Company (CCD).

Note: PPD is primarily used for payments and deposits involving consumer accounts, such as direct deposit of payroll or recurring payments like utility bills. CCD is used for transactions involving commercial or commercial accounts, such as vendor payments or cash concentration between commercial accounts.

7. Select the From Subsidiary account, if required. 8. Select an account.

Payments: Creating a Template