Enterprise Bank and Trust Corporate 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 corporate 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 Corporate 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 • Edit your company policy • Edit User Roles policies • Assign users to User Roles • Use information reporting to help manage your electronic banking 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

Corporate Online Banking Overview..........................................................................7 Installing the Mobile Banking App....................................................................................... 7 Access Online Banking .......................................................................................................... 7 Logging In.......................................................................................................................8 Logging Off ............................................................................................................................. 8 Registering a Browser or Device .................................................................................9 Secure Access Code Delivery Methods ............................................................................... 9 Resetting a Forgotten Password ...............................................................................10 Overview ......................................................................................................................12 Corporate Banking Features .............................................................................................. 13 Company Policy Editing Company Policy..............................................................................................15 Part 1 of 11: Choosing a Transaction to Edit in Company Policy ................................... 15 Part 2 of 11: Approval Limits .............................................................................................. 16 Part 3 of 11: Allowed Actions ............................................................................................. 17 Part 4 of 11: Amount .......................................................................................................... 17 Part 5 of 11: Approvals ....................................................................................................... 18 Part 6 of 11: Choosing the Subsidiaries ............................................................................ 18 Part 7 of 11: Choosing the Accounts ................................................................................. 19 Part 8 of 11: Choosing the Drafting Hours ....................................................................... 20 Part 9 of 11: Choosing the Location .................................................................................. 21 Part 10 of 11: Choosing the IP Address............................................................................. 22 Part 11 of 11: Choosing the SEC Code............................................................................... 23 Company Policy Tester........................................................................................................ 24 Viewing Rights to Access Features..................................................................................... 26 Establishing Rights to Access Accounts............................................................................. 27 Creating and Editing Account Labels................................................................................. 28 User Roles User Roles Overview...................................................................................................29 Creating, Editing or Copying a User Role .................................................................30 Part 1 of 10: Choosing a Transaction to Edit in User Roles............................................. 31 Part 2 of 10: Establishing Transaction Type Rights.......................................................... 32 Part 3 of 10: Approval Limits .............................................................................................. 33 Part 4 of 10: Disabling a Transaction Type ....................................................................... 34 Part 5 of 10: Allowed Actions ............................................................................................. 35 Part 6 of 10: Enabling Operation Rights............................................................................ 36 Part 7 of 10: Choosing the Maximum Draft Amount....................................................... 37

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40 Part 8 of 10: Selecting Subsidiaries.................................................................................... 37 Part 9 of 10: Enabling Allowed Accounts........................................................................... 38 Part 10 of 10: Choosing Drafting Hours ............................................................................ 39 Deleting Allowed Actions .................................................................................................... Establishing Rights to Access Features.............................................................................. 41 Establishing Rights to Access Accounts............................................................................. 42 Deleting a User Role ...................................................................................................43 User Management Users Overview ...........................................................................................................44 User Management Overview.............................................................................................. Adding a New User ............................................................................................................. 46 Editing a User ..............................................................................................................47 Deleting a User............................................................................................................48 Recipients Recipient Overview .....................................................................................................49 ACH Only - Part 1 of 2: Adding a Recipient ....................................................................... ACH Only - Part 2 of 2: Recipient Account Detail ............................................................. 51 ACH & Wire - Part 1 of 4: Adding a Recipient.................................................................... 52 ACH & Wire - Part 2 of 4: Beneficiary FI Detail .................................................................. 53 ACH & Wire - Part 3 of 4: Intermediary FI Detail .............................................................. 54 ACH & Wire - Part 4 of 4: Recipient Account Detail.......................................................... Wires Only (Domestic) - Part 1 of 4: Adding a Recipient ................................................. 56 Wires Only (Domestic) - Part 2 of 4: Beneficiary FI Detail ............................................... 57 Wires Only (Domestic) - Part 3 of 4: Intermediary FI Detail ............................................ 58 Wires Only (Domestic) - Part 4 of 4: Recipient Account Detail ....................................... 59 Wires Only (International) - Part 1 of 4: Adding a Recipient ........................................... Wires Only (International) - Part 2 of 4: Beneficiary FI Detail ......................................... 61 Wires Only (International) - Part 3 of 4: Intermediary FI Detail ...................................... 62 Wires Only (International) - Part 4 of 4: Recipient Account Detail ................................. 63 Recipient Approval/Rejection ....................................................................................64 Editing a Recipient ...................................................................................................... Editing a Recipient’s Templates.......................................................................................... 66 Deleting a Recipient....................................................................................................67 Payments Payment Template Overview ....................................................................................68 Creating a Template ...................................................................................................69 ACH Payments...................................................................................................................... ACH Single Payment ............................................................................................................ 73 ACH Collections.................................................................................................................... 75 45 50 55 60 65 70

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ACH Single Receipt............................................................................................................... 77 Domestic Wire ...................................................................................................................... 79 International Wire................................................................................................................ 81 Payroll.................................................................................................................................... 84 Using a Template ........................................................................................................86 Editing a Template ......................................................................................................87 Deleting a Template ...................................................................................................88 Sending a Single Payment..........................................................................................89 ACH Payments...................................................................................................................... 89 ACH Single Payment ............................................................................................................ 92 ACH Collections.................................................................................................................... 94 ACH Single Receipt............................................................................................................... 97 Domestic Wire ...................................................................................................................... 99 International Wire............................................................................................................. 102 Payroll................................................................................................................................. 105 Splitting a Payment........................................................................................................... 107 Upload From File...................................................................................................... 108 Creating a New File Map - Delimited Files ..................................................................... 108 Creating a New File Map - Fixed Width .......................................................................... 111 Using an Existing File Map ............................................................................................... 114 Editing an Existing File Map ............................................................................................. 115 Deleting an Existing File Map........................................................................................... 116 Viewing, Approving or Canceling a Transaction................................................... 117 Single Transaction............................................................................................................. 117 Multiple Transactions....................................................................................................... 119 Recurring Transaction Series........................................................................................... 121 Wire Activity .............................................................................................................. 122 ACH Pass-Thru.......................................................................................................... 123 ACH NACHA Upload Errors.............................................................................................. 124 ACH NACHA Upload Details ............................................................................................ 125 Tax Payment............................................................................................................. 126 Reports Reports Overview..................................................................................................... 127 ACH Activity Report - Current Day .................................................................................. 128 Balance and Activity Statement - Current Day .............................................................. 129 Checks Paid Report - Current Day .................................................................................. 130 User Defined Report - Current Day ................................................................................ 131 Wire Transfer Report - Current Day................................................................................ 132 ACH Activity Report - Previous Day(s)............................................................................. 133 Balance and Activity Statement - Previous Day(s)......................................................... 134

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Cash Position Report - Previous Day(s) .......................................................................... 135 Checks Paid Report - Previous Day(s)............................................................................. 136 User Defined Report - Previous Day(s)........................................................................... 137 ZBA Activity Report - Previous Day(s) ............................................................................. 138 ACH Online Origination.................................................................................................... 139 Company Entitlements Report........................................................................................ 140 Company User Activity Report ........................................................................................ 141 Transaction Report ........................................................................................................... 142 Wire Online Origination Report ...................................................................................... 143 Wire Transfer Report - Previous Day(s).......................................................................... 144 ACH Passthru File Uploads .............................................................................................. 145 Editing a Report........................................................................................................ 146 Deleting a Report ..................................................................................................... 147 Mobile Authorizations ............................................................................................. 148 Transfers Funds Transfer ......................................................................................................... 149 Individual Transfers.......................................................................................................... 149 Multi-Account Transfers Overview ................................................................................. 151 Multi-Account Transfers- Creating a Template ............................................................. 152 Multi-Account Transfers................................................................................................... 154 Editing a Multi-Account Transfer Template .......................................................... 156 Deleting a Multi-Account Transfer Template........................................................ 157 ACH Reporting Introduction.............................................................................................................. 158 ACH Reporting.......................................................................................................... 159 Fraud Solutions Introduction.............................................................................................................. 160 Void a Check ............................................................................................................. 161 Check Search ............................................................................................................ 162 ACH Transaction Search.......................................................................................... 164 Daily Checks Issued Summary ............................................................................... 166 Exception Items........................................................................................................ 167 Transaction Audit Log.............................................................................................. 168 Issued Check File Processing Log........................................................................... 169 Quick Exception Processing.................................................................................... 170 Submit Issued Check File ........................................................................................ 173 Add New Issued Check............................................................................................ 174

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Business Bill Pay Home Page Overview .............................................................................................. 175 Add a Payee .............................................................................................................. 177 Company............................................................................................................................ 177 Individual Electronic Payments: Allowing an Individual to Provide Their Banking Information........................................................................................................................ 179 Individual Electronic Payments: If You Have an Individual’s Account Information .. 181 Individual Check Payments.............................................................................................. 183 Activate a Payee ................................................................................................................ 185 Import Payees .......................................................................................................... 186 Edit a Payee .............................................................................................................. 189 Delete a Payee.......................................................................................................... 190 Add and Manage Categories .................................................................................. 191 Single Payment......................................................................................................... 192 Edit or Stop a Single Payment ................................................................................ 193 Create a Recurring Payment................................................................................... 194 Edit or Stop a Recurring Payment.......................................................................... 196 Payment Approval ................................................................................................... 198 Add a Transfer Account........................................................................................... 199 Delete or Edit a Transfer Account.......................................................................... 200 One-Time Transfer................................................................................................... 201 Edit or Stop a Single Transfer ................................................................................. 202 Recurring Transfers ................................................................................................. 203 Edit or Stop a Recurring Transfer........................................................................... 204 Transfer Approval .................................................................................................... 206 Calendar.................................................................................................................... 207 Company Profile ...................................................................................................... 208 Delete or Edit Bill Pay Accounts ............................................................................. 209 Modify User Permissions ........................................................................................ 210 Personal Profile........................................................................................................ 211 e-Notifications .......................................................................................................... 212 Events ................................................................................................................................. 212 Logout ................................................................................................................................ 213 Recurring............................................................................................................................ 214 Reminders.......................................................................................................................... 215 Reports...................................................................................................................... 216

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Getting Started Corporate 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 9 for more information.

Getting Started: Corporate 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 Corporate 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 Business version of online banking. This set of extended permissions is known as entitlements. If you do not use the Corporate product, you can skip this chapter. Corporate 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 Corporate groups.

Getting Started: Overview

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Corporate Banking Features

Feature

Description

Control entitlements for the Company Policy and User

Advanced Entitlements

Roles.

Customize, schedule, and print reports in different formats. Several current day and previous day standard reports exist.

Information Reporting

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

Corporate 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

Getting Started: Overview

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Feature

Description

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

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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Company Policy Editing Company Policy

Company Policy is a list of allowed actions and limits that applies to the whole business. All created user rights fit within the Company Policy. If you have Manage Company Policy rights, you can make edits to parts of the Company Policy, but it cannot be deleted. Part 1 of 11: Choosing a Transaction to Edit in Company Policy View a list of all transaction types including their approval limits and allowed actions. Here, users with Manage Company Policy rights can choose a type of transaction to edit at the Company Policy level.

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In the Commercial tab, click Company Policy . 1. Use the filters links and drop-down to filter transactions. 2. Click on the transaction type you would like to make changes to.

Company Policy: Editing Company Policy

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Part 2 of 11: Approval Limits You can review the Approval Limits within the Company Policy. These limits are read-only at the Company Policy level, but can be adjusted within User Roles to fit a user’s specific responsibilities.

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1. View the maximum limits for transactions and amounts.

Note: Maximum Amount is the maximum amount of funds a user can approve or draft per transaction, per account, per day or per month. The Maximum Count is the number of transactions they can perform or draft per transaction, per account, per day or per month.

Company Policy: Editing Company Policy

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Part 3 of 11: Allowed Actions

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1. Click the Allowed Actions tab. 2. Click the Add Allowed Action button to add a new allowed action or the icon to edit an existing allowed action.

Part 4 of 11: Amount Decide on the maximum amount of drafted funds.

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1. Enter the maximum draft amount or select “Any allowable amount” for an unlimited amount.

Company Policy: Editing Company Policy

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Part 5 of 11: Approvals Next, you can decide on the number of authorized approvals needed for that specific transaction type.

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1. Use the drop-down to select how many approvals the specific transaction type requires.

Part 6 of 11: Choosing the Subsidiaries Different transaction types have the ability to exclude certain subsidiaries.

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1. Click the “Select specific subsidiaries” link to select specific subsidiaries or select “Any allowed subsidiaries” to allow all subsidiaries.

Company Policy: Editing Company Policy

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Part 7 of 11: Choosing the Accounts If you have Manage Company Policy rights, you can decide which accounts are used for a specific transaction.

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1. Click the “Select specific account(s)” link to select specific accounts or select “Any allowed account” to allow all accounts.

Company Policy: Editing Company Policy

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Part 8 of 11: Choosing the Drafting Hours You can also set time limitations for specific transactions. This is especially beneficial if you only want transactions to occur during business hours.

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1. Click the “+ Add Draft Hours” link. 2. Use the drop-downs to add draft hours. 3. Click the

button when you are finished making changes.

Company Policy: Editing Company Policy

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Part 9 of 11: Choosing the Location If your business conducts transactions in different regions, you can select the appropriate places to permit them within the Company Policy.

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1. Select which countries transactions can be performed in.

Company Policy: Editing Company Policy

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Part 10 of 11: Choosing the IP Address To further strengthen your Company Policy, you can specify which computers can perform transactions by entering the device’s unique IP address.

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1. Click the “+ Add IP Address” link. 2. Enter a new IP Address and click the

button.

Company Policy: Editing Company Policy

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Part 11 of 11: Choosing the SEC Code Standard Entry Class Codes, or SEC Codes, designate the valid payment methods allowed. Each SEC Code defines the type of transaction (debit or credit), type of account (corporate or consumer) and any information specific to the format (such as single/recurring, terminal location or check number).

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1. Select which code you would like to use. 2. Click the Submit button when you are finished making changes.

Company Policy: Editing Company Policy

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Company Policy Tester The Policy Tester gives you the ability to test possible actions before making changes within the Company Policy. This allows you to see if a certain transaction can be performed based on the Bank Policy and Company Policy.

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In the Commercial tab, click Company Policy . 1. Click the Allowed Actions tab. 2. Click the

icon to expand the policy tester.

Company Policy: Editing Company Policy

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3. Create a sample transaction to test a user’s policy. 4. Click the Test button. You can then see whether the user can perform the transaction.

Company Policy: Editing Company Policy

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Viewing Rights to Access Features You have the ability to view activated features within the Company Policy. This is a read-only section and the available features indicate which rights are activated.

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In the Commercial tab, click Company Policy . 1. Click the Features tab. 2. View enabled rights and business features at the Company Policy level.

Company Policy: Editing Company Policy

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Establishing Rights to Access Accounts You can see which accounts users can view, withdraw from and make deposits to within the Company Policy. This is read-only section at the Company Policy level, but it can be adjusted within User Roles to fit a user’s specific responsibilities.

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In the Commercial tab, click Company Policy . 1. Click the Accounts tab. 2. View the accounts that are used under the Company Policy.

Company Policy: Editing Company Policy

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Creating and Editing Account Labels Account labels allow users to organize their accounts. While these labels may be visible to all users, only users with enabled Manage Company rights can edit them.

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In the Commercial tab, click Company Policy . 1. Click the Accounts tab. 2. Check the box next to a specific account. 3. Click the

Edit Labels icon to make changes to an account’s label. 4. (Optional) Enter a new label name and click the Create button. 5. (Optional) Check the box next to an existing label to add it to the account and click the Update button. 6. Click the Save button. 7. Click the Save button when you are finished making changes.

Company Policy: Editing Company Policy

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User Roles User Roles Overview

Once you establish your Company Policy, you can start creating user roles. User roles are the restrictions placed to shape a user’s privileges, depending on the responsibilities a user has. Some users may have the ability to draft a transaction, while others can approve it. User roles must fit within the Company Policy and cannot exceed it.

A

B

C

In the Commercial tab, click User Roles . A. You can use the search bar to find specific user roles. B. Click the

icon next to the appropriate column to sort user roles by name,

description or users. C. The number under the Users column indicates how many users are assigned to this role. Click the number to see who is assigned to a specific role.

User Roles: User Roles Overview

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User Roles Creating, Editing or Copying a User Role To begin editing or creating a user role, you must decide what privileges and responsibilities a particular user has. You can then write a description of the role and give it a unique name. You must have manage company rights to access this feature.

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In the Commercial tab, click User Roles . 1. Decide if you are making a new role, editing an existing role or copying a role. a. Click the Create Role button if you are making a new user role. b. Click the icon to edit an existing role. c. Click the icon to copy and adjust an existing role. 2. (Optional) If you are editing an existing user role, edit the role name by clicking the icon. 3. Enter a role name if you are making a new role or copying a role. 4. Click the Ok button.

User Roles: Creating, Editing or Copying a User Role

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Part 1 of 10: Choosing a Transaction to Edit in User Roles View a list of all transaction types including their approval limits and allowed actions. Here, users with Manage User Roles rights can choose a type of transaction to edit at the User Role level.

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1. Use the filters links and drop-down to filter transactions. 2. Click on the transaction type you would like to make changes to.

User Roles: Creating, Editing or Copying a User Role

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Part 2 of 10: Establishing Transaction Type Rights You can start assigning or editing a user’s rights, to help 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. Use the drop-down to change which transaction activity a user can view. • All: Can view all transactions • Role: Can view transactions by others in this role • Account: Can view transactions to or from entitled accounts

• Own: Can view own transactions • None: Cannot view any transactions

User Roles: Creating, Editing or Copying a User Role

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Part 3 of 10: Approval Limits 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. Edit the maximum amounts a user can approve or draft, and the maximum number of transactions a user can perform. 2. Click the Save button when you are finished making changes. Note: Maximum Amount is the maximum amount of funds a user can approve or draft per transaction, per account, per day or per month. The Maximum Count is the number of transactions they can perform or draft per transaction, per account, per day or per month.

User Roles: Creating, Editing or Copying a User Role

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Part 4 of 10: Disabling a Transaction Type If a user should not have access to a certain transaction type, such as payroll or international wires, an authorized user can disable those rights for individual users.

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1. Toggle the switch to “Disabled” for that specific transaction. 2. Click the Save button when you are finished making changes.

User Roles: Creating, Editing or Copying a User Role

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Part 5 of 10: Allowed Actions Next, you can decide on the number of authorized approvals needed for that specific transaction type.

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1. Click the Allowed Actions tab. 2. Click the Add Allowed Action button to add a new allowed action or the icon to edit an existing allowed action.

User Roles: Creating, Editing or Copying a User Role

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Part 6 of 10: Enabling Operation Rights You can select the allowed operations a user can perform when handling a transaction, such as drafting, approving or canceling rights.

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1. Check or uncheck boxes depending on if a user can perform a specific operation. • Draft : Create a transaction or template that needs approval from an authorized user. • Draft Restricted : Generate a drafted transaction based on an existing template that is assigned to them or adjust the amount, settlement, date or description. • Approve : Send or accept drafted transactions. • Cancel : Reject a drafted or unprocessed transaction.

User Roles: Creating, Editing or Copying a User Role

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Part 7 of 10: Choosing the Maximum Draft Amount If you have Manage Company Policy rights, you can choose the maximum amount of funds that can be drafted per transaction. This cannot exceed the Company Policy.

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1. Enter the maximum draft amount or select “Any allowable amount” for an unlimited amount.

Part 8 of 10: Selecting Subsidiaries Some users may not need to access to certain subsidiaries. You can limit which subsidiaries a user can use when creating a transaction.

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1. Click the “Select specific subsidiaries” link to select specific subsidiaries or select “Any allowed subsidiaries” to allow all subsidiaries.

User Roles: Creating, Editing or Copying a User Role

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Part 9 of 10: Enabling Allowed Accounts The Accounts tab lets you decide which users have access to perform specific tasks within an account, including viewing the account and transaction history and making deposits or withdrawals.

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1. Click the “Select specific account(s)” link to select specific accounts or select “Any allowed account” to allow all accounts.

User Roles: Creating, Editing or Copying a User Role

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Part 10 of 10: Choosing Drafting Hours You can also decide the time frame a user can create or draft transactions. This allows you to closely monitor when transactions occur or when drafted transactions need approval.

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1. Click the “+ Add Draft Hours” link. 2. Use the drop-downs to add draft hours. 3. Click the button. 4. Click the Submit button when you are finished making changes.

User Roles: Creating, Editing or Copying a User Role

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Deleting Allowed Actions You may need to delete a list of allowed actions within a specific transaction type.

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In the Commercial tab, click User Roles . 1. Click the

icon next to an existing user role.

2. Click on the appropriate transaction type. 3. Click the Allowed Actions tab. 4. Click the icon to delete the transaction’s specific allowed actions.

User Roles: Creating, Editing or Copying a User Role

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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 duties, some users may have different responsibilities than others.

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In the Commercial tab, click User Roles . A. Click the icon next to an existing user role, or click the Create Role button and follow the steps on page 31 to create a new user role. 2. Click the Features tab.

3. Use the toggles to enable and disable features. 4. Click Save when you are finished making changes.

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

User Roles: Creating, Editing or Copying a User Role

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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 history and making deposits or withdrawals.

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In the Commercial tab, click User Roles . 1. Click the icon next to an existing user role, or click the Create Role button and follow the steps on page 31 to create a new user role. 2. Click the Accounts tab. 3. Edit a user’s ability to view, deposit to or withdraw from a specific account. • User right is active. • User right is disabled. 4. Click the Save button when you are finished making changes.

User Roles: Creating, Editing or Copying a User Role

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User Roles Deleting a User Role

If you are assigned the Manage Users right, you have the ability to permanently delete a user role that is no longer needed.

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In the Commercial tab, click User Roles . 1. Click the 2. Click the Delete button to confirm.

icon to delete a specific user role.

User Roles: Deleting a User Role

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User Management Users Overview

Depending on your number of employees, owners and company policies, Business Online Banking lets you set up multiple users with different responsibilities. New users can be created with their own unique login IDs and passwords. Each user is assigned a set of user 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 business 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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A

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In the Commercial tab, click Users . A. The following information presents for each user: • Name • Email address • Applied user role • Status • Last login time B. You can click on a user role to make edits. C. Click the

icon next to the Users column to sort users in alphabetical or reverse alphabetical order, by email address, role, status or last login.

User Management: Users Overview