FFB Bank Your Digital Banking Guide

Finance Your Next Step

F N B

Banking Guide Your Digital

II

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

St. Louis, MO 63021 www.mcompany.com

© 2009–2026 Murphy & Company, Inc. Macintosh is a trademark of Apple Inc., registered in the U.S. and other countries. Android is a trademark of Google LLC. Adobe Reader is a registered trademark of Adobe Systems, Inc. © 2012

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

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Getting Started Welcome to Online Banking with FFB Bank! Whether you are at home or at the office using a mobile phone, tablet or laptop, we strive to make your Online Banking experience easy and convenient. You can navigate this guide by clicking a topic or feature in the Table of Contents. Each section provides an overview and steps to help you during the Online Banking process. If you have additional questions, contact us at (559) 439-0200.

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Table of Contents Getting Started

Digital Banking System Requirements .....................................................................10 Browser (Desktop & Mobile)............................................................................................... 10 Mobile Device (App)............................................................................................................. 10 Mobile Remote Deposit Capture ....................................................................................... 10 New User Enrollment .................................................................................................11 Logging In.....................................................................................................................12 Logging Off ........................................................................................................................... 13 DUO Mobile .................................................................................................................14 Resetting a Forgotten Password ...............................................................................16 Retrieve a Forgotten Username................................................................................17 Password Security Check ...........................................................................................18 Business Online Banking Overview ..........................................................................19 Sub-Users.............................................................................................................................. 19 Companies ............................................................................................................................ 19 Transaction Type Overview .......................................................................................20 Manage Profile Contact Settings ..........................................................................................................21 Adding a New Phone ........................................................................................................... 21 Editing a Phone .................................................................................................................... 22 Deleting a Phone.................................................................................................................. 23 Editing an Email Address .................................................................................................... 24 Login Settings ..............................................................................................................25 Change Username ............................................................................................................... 25 Change Password ................................................................................................................ 26 Change Security Questions................................................................................................. 27 Recent Logins ....................................................................................................................... 28 Mobile Security Preferences............................................................................................... 29 Enabling FaceID.................................................................................................................... 29 Enabling PIN Login............................................................................................................... 30 Auto-Login............................................................................................................................. 31 Security Protecting Your Information......................................................................................32 General Guidelines .............................................................................................................. 32 Login ID and Password........................................................................................................ 32 Fraud Prevention ................................................................................................................. 32 Multi-Factor Authentication.......................................................................................33

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Sub-Users Sub-Users Overview ...................................................................................................35 Sub-Users Overview ............................................................................................................ 36 Adding a New Sub-User ...................................................................................................... 37 Linking Sub-Users To a Company .............................................................................39 Removing a Sub-User From a Company ..................................................................40 Editing a Sub-User ......................................................................................................42 Part 1: Editing Sub-User Access.......................................................................................... 43 Part 2: Editing Sub-User Limits........................................................................................... 44 Part 3: Editing Sub-User Authentication ........................................................................... 45 Deleting a Sub-User....................................................................................................46 Accounts Dashboard Overview..................................................................................................47 Account Details Overview ..........................................................................................49 Transaction Details .....................................................................................................51 Adding an External Account (Consumer Accounts Only) .......................................53 Verifying an External Account ............................................................................................ 56 Removing an External Account .......................................................................................... 57 Editing Favorite Accounts...........................................................................................58 Organize Dashboard ..................................................................................................59 Reorder Accounts ................................................................................................................ 59 Rename Accounts ................................................................................................................ 60 Hide/Unhide Accounts ........................................................................................................ 61 App Appearance................................................................................................................... 62 Favorite Payees ...........................................................................................................63 Selecting Favorite Payees.................................................................................................... 63 Stop Payment ..............................................................................................................64 Single Check ......................................................................................................................... 64 Multiple Checks ................................................................................................................... 66 ACH ....................................................................................................................................... 68 ACH New ACH Batch ...........................................................................................................70 Part 1: Creating an ACH Batch............................................................................................ 70 Part 2: Adding an Existing Participant ............................................................................... 72 Part 3: Adding a Detail Record ........................................................................................... 73 Part 4: Finalizing the ACH Batch......................................................................................... 75 Part 5: Scheduling the ACH Batch...................................................................................... 76 Part 6: Adding Approvers.................................................................................................... 77 Part 7: Reviewing the ACH Batch ....................................................................................... 78 Part 8: Multi-Factor Authentication ................................................................................... 79

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80 Creating an ACH Template ........................................................................................ Part 1: Creating an ACH Template ..................................................................................... 80 Part 2: Adding an Existing Participant ............................................................................... 82 Part 3: Adding a Detail Record ........................................................................................... 83 Part 4: Finalizing an ACH Template.................................................................................... 85 Part 5: Reviewing an ACH Template .................................................................................. 86 Initiating a Template...................................................................................................87 Part 1: Initiating a Template ............................................................................................... 87 Part 2: Scheduling an ACH Batch ....................................................................................... 89 Part 3: Reviewing an ACH Batch......................................................................................... Part 4: Multi-Factor Authentication ................................................................................... 91 Editing an ACH Template ...........................................................................................92 Deleting an ACH Template.........................................................................................93 ACH File Upload ..........................................................................................................94 Creating a Template for Delimiter Separated File Uploads............................................ 96 Editing a Template for Delimiter Separated File Uploads............................................... 98 Deleting a Template for Delimiter Separated File Uploads ............................................ 99 Uploading a NACHA Formatted File ............................................................................... 103 Editing an ACH Batch............................................................................................... 105 Deleting an ACH Batch ............................................................................................ 106 Approving an ACH Batch......................................................................................... 107 Reversing an ACH Batch.......................................................................................... 108 Tax Payments ........................................................................................................... 109 To Correct a NOC .............................................................................................................. 110 To Mark a Return as Reviewed........................................................................................ 112 Wires New Domestic Wire ................................................................................................. 113 Part 1: Recipient Information .......................................................................................... 114 Part 2: (Optional) Beneficiary and Intermediary Institutions .............................................. 116 Part 3: Schedule Wire Payment................................................................................................ 117 Part 4: Adding Approvers................................................................................................. 118 Part 5: Review Wire Payment.................................................................................................... 119 Part 6: Multi-Factor Authentication ................................................................................ New International Wire ........................................................................................... 121 Part 1: Recipient Information .......................................................................................... 122 Part 2: (Optional) Intermediary Institutions ........................................................................... 124 Part 3: Schedule Wire Payment................................................................................................ 125 Part 4: Review Wire Payment.................................................................................................... 126 Part 5: Multi-Factor Authentication ................................................................................ 127 90 100 110 NOCS/Returns .......................................................................................................... 120 Uploading a Delimiter Separated File.............................................................................

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Creating a Domestic Wire Template...................................................................... 128 Part 1: Recipient Information .......................................................................................... 128 Part 2: (Optional) Beneficiary and Intermediary Institutions .............................................. 131 Part 3: Template Name.............................................................................................................. 132 Part 4: Review Wire Template................................................................................................... 133 Creating an International Wire Template ............................................................. 134 Part 1: Recipient Information .......................................................................................... 134 Part 2: (Optional) Intermediary Institutions ........................................................................... 137 Part 3: Template Name.............................................................................................................. 138 Part 4: Review Wire Template................................................................................................... 139 Initiating a Template................................................................................................ 140 Part 1: Initiating a Template ............................................................................................ 140 Part 2: Scheduling a Wire................................................................................................. 141 Part 3: Adding Approvers................................................................................................. 142 Part 4: Reviewing a Wire .................................................................................................. 143 Editing a Wire Template .......................................................................................... 144 Deleting a Wire Template ....................................................................................... 146 Editing a Wire ........................................................................................................... 147 Deleting a Wire......................................................................................................... 148 Approving a Wire ..................................................................................................... 149 Rejecting a Wire........................................................................................................ 150 Wire History.............................................................................................................. 151 Positive Pay Introduction.............................................................................................................. 152 Manually Add a Check ............................................................................................. 153 Check Upload Templates ........................................................................................ 155 Fixed Length Template..................................................................................................... 155 Delimiter Separated Template ........................................................................................ 157 Edit Upload Templates ............................................................................................ 159 Manually Add Checks Via Upload .......................................................................... 161 Managing Exceptions .............................................................................................. 164 Manage ACH Exceptions .................................................................................................. 166 Payee Matching Guidelines .................................................................................... 167 How It Works ..................................................................................................................... 167 Check Printing Guidelines................................................................................................ 167 Printing and Placement.................................................................................................... 168 Issue File Requirements................................................................................................... 169 Historical Decisions ................................................................................................. 170 Positive Pay Exception Alert ................................................................................... 171

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ACH Positive Pay Filters......................................................................................................................... 172 Add Email Address to Receive Notifications.................................................................. 172 Add an Allowed Company................................................................................................ 173 Manage Allowed Companies........................................................................................... 174 Actions for Unlisted Companies...................................................................................... 175 Block an ACH Item ............................................................................................................ 176 Manage Blocked Items..................................................................................................... 177 Manage Watch List............................................................................................................ 178 Manage Watch List............................................................................................................ 179 Manage ACH Exceptions .................................................................................................. 180 ACH Positive Pay Exception Alert........................................................................... 181 Company Management Company Management Overview ......................................................................... 182 Adding a Participant to an Existing Company ...................................................... 183 Uploading Participants..................................................................................................... 185 Viewing Company Limits for Transactions............................................................ 186 Editing a Company................................................................................................... 187 Move Money Move Money Overview............................................................................................ 188 Bill Pay Enrollment................................................................................................... 189 Adding a Payee......................................................................................................... 191 Person to Person Payee................................................................................................... 191 Bill Pay Payee - Company................................................................................................. 193 Bill Pay Payee - Individual ................................................................................................ 195 Favoriting a Payee.................................................................................................... 198 Editing a Payee ......................................................................................................... 199 Deleting a Payee ...................................................................................................... 200 New Transaction ...................................................................................................... 201 Transferring Money Between Your Accounts................................................................ 201 Making a Loan Payment................................................................................................... 203 Transferring Money to Another Person (P2P) (Consumer Accounts Only)................ 205 Making a Bill Pay Payment............................................................................................... 207 Editing Transfers/Payments ................................................................................... 209 Skip Transfers/Payments ........................................................................................ 210 Deleting Transfers/Payments................................................................................. 211 Deposit Checks Mobile Check Deposit.............................................................................................. 212

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215 Documents & Settings Documents ............................................................................................................... 213 Documents Enrollment .................................................................................................... 213 Viewing Documents.......................................................................................................... 214 Reports ...................................................................................................................... Account Activity................................................................................................................. 215 Sub-User ............................................................................................................................ 216 Running an Existing Report ............................................................................................. 217 Editing a Report................................................................................................................. 218 Deleting a Report .............................................................................................................. 219 Manage Cards .......................................................................................................... Turn Card On or Off.......................................................................................................... 220 Card Name ......................................................................................................................... 221 Card Alert........................................................................................................................... 222 Change PIN ........................................................................................................................ 223 Report Lost or Stolen Card .............................................................................................. 224 220 Travel Notification............................................................................................................. Enable Automatic On/Off................................................................................................. 227 Alerts ......................................................................................................................... 229 Alerts Overview ................................................................................................................. 229 Bill Pay Alerts..................................................................................................................... 231 Security Alerts ................................................................................................................... 232 Business Banking Alerts................................................................................................... 233 Turning Alerts On and Off................................................................................................ 234 Previous Alerts .................................................................................................................. 236 Connect With Us Secure Message Overview ...................................................................................... 237 Sending a Secure Message ..................................................................................... 238 Submit a Form.......................................................................................................... 239 Custom Alerts.................................................................................................................... Editing or Deleting Alerts ................................................................................................. 225 230 235

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Getting Started Digital Banking System Requirements

Browser (Desktop & Mobile) FFB supports Microsoft Edge, Google Chrome, Mozilla Firefox and Safari. Our recommendation is that both consumer and admin users of Digital Banking keep the latest version of browsers to ensure that the latest security patches are in place.

Mobile Device (App) • iOS devices should support version 11.0 and greater • Android Devices should support version 4.4 and greater • 4G/LTE and greater Mobile Remote Deposit Capture • Recommended camera resolution is 1600X1200 pixels

Getting Started: Digital Banking System Requirements

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Getting Started New User Enrollment

If you’re new to Online Banking with FFB, you need to complete the enrollment process the first time you log in. Once you complete these few quick steps, you’ll be on your way to banking everywhere you go! 1. If you are a new customer, set up your username and password for your online banking profile using the link that was sent to your email. 2. The security code will be the last 6 digits of your social security number the first time you use the link to get set up. If you are not an authorized signer, the security code will be the 7 digits of the business TIN. 3. Once you follow the link, you will create your username, password, and security questions.. 4. If you are an existing customer, simply log into your profile to view your account.. Note: Your link will expire after 48 hours. If you requre a new link to be sent, please contact FFB Bank at (559) 439-0200, then select option 2 followed by option 1.

Getting Started: New User Enrollment

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Getting Started Logging In

After your first-time enrollment, logging in is easy and only requires your username and password.

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1. Enter your username and password. 2. Click the Sign In button. If this is the first time you are logging in from an unregistered device you will need to answer a security question. 3. (Optional) Check the box to remember your device.

Getting Started: Logging In

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7 4. Select a device. 5. Select a delivery method for the passcode. 6. Enter the passcode. 7. Click the Submit button.

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 Out tab in the sidebar menu.

Getting Started: Logging In

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Getting Started DUO Mobile

Enroll in the app Duo Mobile to log in quicker (it will send you a push notification to your cell phone to accept/deny login instead of having to enter a code).

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1. Click the Use Duo Mobile button. You will receive a text message with directions. 2. Click the “Download Mobile App” link. 3. This will take you to the app store. Click the Open button, then download the Duo Mobile app. 4. Go back to the text message and click the “Activate the DUO MOBILE APP” link which opens the Duo Mobile app.

Getting Started: DUO Mobile

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5. Agree to allow push notifications by clicking the Allow button. Once you agree, you will see the FFB listing at the top of the screen. 6. Go back to your FFB app or login. MFA and Duo Mobile setups are now complete. Now every time you login, you will be asked to verify your login with the Duo Mobile app.

Getting Started: DUO Mobile

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Getting Started Resetting a Forgotten Password

If you happen to forget your password, you can easily reestablish a new one from the FFB Home page—no need to call us!

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1. Click the “Password” link. 2. Enter your username and click the Continue button. 3. Answer the security question and click the Send Reset Link button. 4. An email will be sent to you. Follow the instructions to reset your password.

Getting Started: Resetting a Forgotten Password

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Getting Started Retrieve a Forgotten Username

If you happen to forget your username, you can easily retrieve it from the FFB Home page—no need to call us!

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1. Click the “Username” link. 2. Enter your email address and click the Continue button. 3. Answer the security question and click the Submit button. 4. Your username will be displayed. Click the Ok button to log in.

Getting Started: Retrieve a Forgotten Username

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Getting Started Password Security Check

Password security check notifies you if the password you currently use has appeared in data breaches at other companies. When this occurs it is recommended that you update your password.

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1. Enter and confirm your new password. 2. (Optional) Click the “Continue Without Changing Password” link to skip updating your password. You will be prompted to update your password the next time you log in. 3. Click the Update button when you are finished.

Getting Started: Password Security Check

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Getting Started Business Online Banking Overview

Whether you’re an enterprise, large corporation or small organization, our flexible Business Online Banking can efficiently serve you. Depending on your bank or company policy, you may need to set up your sub-users and/or companies before jumping into our state-of-the-art system. Sub-Users If your business only needs one person with access to Business Online Banking, you can set up a single login ID and password. This is typical for small companies who primarily use basic Online Banking tools with occasional business transactions. For larger organizations, our system lets you establish multiple login IDs and passwords for authorized employees. You can customize which employees get access to different features or accounts within Business Online Banking by establishing user permission. Companies Companies are different entities owned or managed by one master user. Business Online Banking allows you to manage your companies, offering centralized control to the parent company with the convenience of a single banking system.

Getting Started: Business Online Banking Overview

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Getting Started Transaction Type Overview

Various types of payment methods are offered through Business Online Banking, including wire and ACH transfers. Though both methods are quick electronic payments, wires are the fastest way to transfer money between accounts. ACH transactions can be sent as a single or batch process, and funds are generally not available until the next business day. Please contact us at (559) 439-0200 for a full list of wire and ACH fees or if you have any questions.

Getting Started: Transaction Type Overview

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Manage Profile Contact Settings

It is important to maintain current contact information on your account. Please note, updating your Online Banking profile also updates your customer contact information at FFB.

Adding a New Phone

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Click the “Manage Profile” link at the top of the side menu. 1. Click the Phone button. 2. Click the “+ Add new mobile device” link. 3. Enter the phone number.

4. Enter a nickname. 5. Select your device. 6. Click the Add Device button.

Manage Profile: Contact Settings

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Editing a Phone

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Click the “Manage Profile” link at the top of the side menu. 1. Click the Phone button. 2. Click the phone you would like to edit. 3. Make your changes.

Manage Profile: Contact Settings

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Deleting a Phone

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Click the “Manage Profile” link at the top of the side menu. 1. Click the Phone button.

2. Click the phone you would like to delete. 3. Click the Remove This Device button.

Manage Profile: Contact Settings

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Editing an Email Address

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Click the “Manage Profile” link at the top of the side menu. 1. Click the Email button. 2. Change the email address. 3. Select which alert types you would like to be edited with this change. 4. Click the Save button when you are finished.

Manage Profile: Contact Settings

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Manage Profile Login Settings

We take security very seriously at FFB, so we have added various tools to help you better protect your account information. You can manage these features to strengthen your Online Banking experience. Change Username You can change your username at any time. Create a unique username you will remember and follows our required guidelines.

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Click the “Manage Profile” link at the top of the side menu. 1. Click the Change Username button.

2. Enter a new username. 3. Enter your password. 4. Click the Save button.

Manage Profile: Login Settings

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Change Password You can change your Online Banking password whenever you want to. Follow our guidelines to create a strong password.

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Click the “Manage Profile” link at the top of the side menu. 1. Click the Change Password button. 2. Enter your current password. 3. Enter and confirm your new password. 4. Click the Save button.

Manage Profile: Login Settings

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Change Security Questions For your protection, you can establish new security questions and answers. Just like changing your password frequently, changing your security questions and answers helps to ensure the security of your accounts.

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Click the “Manage Profile” link at the top of the side menu. 1. Click the Change Security Questions button. 2. Enter a new answer. 3. Click the “Change question” link to change the question. 4. Click the Save button.

Manage Profile: Login Settings

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Recent Logins View a list of recent logins to your account.

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Click the “Manage Profile” link at the top of the side menu. 1. Click the Recent Logins button. 2. A list of recent logins will be displayed.

Manage Profile: Login Settings

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Mobile Security Preferences Within FFB’s Mobile Banking app, you have the ability to set up security preferences that are not available on a desktop computer. These additional preferences make signing into your Mobile Banking quick and easy, but also add an extra layer of security to your private information while you are on the go! Enabling FaceID Face ID is a feature which utilizes facial recognition technology, allowing you to unlock your Apple® device with your face instead of a login ID and password.

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Sign in to FFB’s Mobile Banking app and click the “Manage Profile” link. The menu is at the bottom for mobile banking. 1. Click the FaceID tab. 2. Enter your username and password, and click the Sign In button. Note: You must have FaceID sign-in enabled on your mobile device before enabling it through our Mobile Banking app. FaceID is only available on iPhones.

Manage Profile: Login Settings

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Enabling PIN Login Create a unique PIN within our Mobile Banking app to quickly and easily log in to Mobile Banking on the go.

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Sign in to FFB’s Mobile Banking app and click the “Manage Profile” link. The menu is at the bottom for mobile banking. 1. Enter your current password. 2. Enter and re-enter your chosen PIN number. 3. Click the Create PIN button. 4. To edit your pin, click the Change PIN button. 5. Enter your current password. 6. Enter and re-enter your chosen PIN number. 7. Click the Update PIN button.

Manage Profile: Login Settings

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Auto-Login Auto-login bypasses the login screen on your mobile device, allowing access to basic account information such as balances, activity and other histories while still restricting access to sensitive areas such as transfers.

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Sign in to FFB’s Mobile Banking app and click the “Manage Profile” link. The menu is at the bottom for mobile banking. 1. Check the box next to Auto-Login.

Manage Profile: Login Settings

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Security Protecting Your Information

Here at FFB, we work hard to protect your personal information and provide you with a dependable online experience. However, we rely on you to take further precautions to assure the safety of your accounts. By following our tips, Online Banking can be a secure and efficient method for your banking needs. General Guidelines • Make sure your operating system and antivirus software are up to date. • Always use secure wireless (WiFi) networks that require a login ID and password. • Never leave your computer unattended while using Online Banking. • Monitor your recent account history for unauthorized transactions. • Always log off Online Banking when you’re finished and close the browser. Login ID and Password • Create strong passwords by using a mixture of uppercase and lowercase letters, numbers and special characters. • Do not create passwords containing your initials or birthday. • Change your passwords periodically. • Memorize your passwords instead of writing them down. • Only register personal devices, and avoid using features that save your login IDs and passwords. Fraud Prevention • Do not open email attachments or click on links from unsolicited sources. • Avoid giving out personal information on the phone or through email. • Shred unwanted sensitive documents including receipts, checks, deposit slips, pre-approved credit card offers and expired cards. • Act quickly. If you suspect your financial information is compromised, call us immediately at (559) 439-0200

Security: Protecting Your Information

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Security Multi-Factor Authentication

Multi-Factor Authentication (MFA) is an additional security layer to validate your login to FFB’s digital banking. You can select to receive a phone call, text message, or mobile app push to approve your login.

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Sign in to digital banking like normal at ffb.bank or through your mobile app. 1. Click the Let’s Get Started button. 2. (Optional) To set up a landline, click the “Use other mobile device or landline” link. 3. Use the drop-down to select a country. 4. Enter the phone number. 5. Enter a nickname. If you set up multiple phone numbers on your profile for MFA use, the nicknames will display in a drop down list for easy reference. 6. Select a device.

Security: Multi-Factor Authentication

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7. Select either Text Me or Call Me to receive a verification code. 8. Enter the verification code, then click the Verify Device button.

9. Decide if you will use Duo Mobile by clicking the Use Duo Mobile button or skip this step by clicking the Skip This Step button. Duo Mobile is an optional application that helps you authenticate your login. For more information go

to page 14. If not using Duo Mobile, continue to the next step. 10. Click the Complete Setup button when you are finished.

Security: Multi-Factor Authentication

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Sub-Users Sub-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 sub-user is assigned a set of user permission that permits or prevents them from performing certain actions such as: • Sending or drafting payments and creating templates for certain transaction types. • Accessing specific accounts for multiple entities. • Managing users and templates. Authorized users can set up the features, accounts and permissions each sub-user needs to do their job. Establishing these permissions gives sub-users permission to perform specific tasks, helping you manage your business and keep it running as smooth as possible.

Sub-Users: Sub-Users Overview

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Sub-Users Overview The Sub-Users page lets you view all your existing sub-users in one, easy place. From here, you can create sub-users, edit permission and oversee your employees on a day-to-day basis.

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Click the “Manage Profile” link at the top of the side menu. A. The following information presents for each sub-user: • Name • Email Address • User Type • Permissions B. Click the icon to add a sub-user.

Sub-Users: Sub-Users Overview

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Adding a New Sub-User You can set up a new sub-user by creating a new profile and assigning user permission.

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Click the “Manage Profile” link at the top of the side menu. 1. Click the icon. 2. (Optional) Select a user to copy account access and permissions from. 3. Enter the user’s full name.

4. Enter the user’s email address. 5. Enter the user’s display name. 6. Enter an invite answer.

Sub-Users: Sub-Users Overview

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7. Select which permissions the user should have. In this section, you don’t need to select admin or assign owner accounts. You can skip that step and choose individual accounts to add. If you select owner, it will give that user all owner accounts. You should always click “New credentials required”. 8. Click the “+ Grant Access to Accounts” link to select which accounts the user has access to. 9. Click the Create Sub-User button. 10. (Optional) Click the Add Another Sub-User button to add another sub-user. 11. (Optional) Click the Edit New Sub-User button to edit the sub-user you just created. 12. Click the Close button when you are finished. After the sub user is added you will need to select their permissions. Go to page 42 for more information.

Sub-Users: Sub-Users Overview

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Sub-Users Linking Sub-Users To a Company

Before a sub-user can make ACH or wire transfers they must be added to a company.

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In the Business Banking tab, click Company Management . 1. Select a company. 2. Scroll down and click the “+ Add Sub-Users” link. 3. Use the drop-down to select a sub-user. 4. Select which features the sub-user will have access to. • Modify Company: Gives the user the ability to select the company when processing the ACH or Wire. • Check Modify Participants: Gives the user the ability to edit the saved participants. 5. Click the Save button. 6. Click the Save All button.

Sub-Users: Linking Sub-Users To a Company

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Sub-Users Removing a Sub-User From a Company

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In the Business Banking tab, click Company Management . 1. Select the company the sub-user is linked to. 2. Scroll to the bottom of the screen and click the “+ Add Sub-User” link. 3. Select the sub-user to be removed.

4. Click the Remove button. 5. Click the Delete button.

Sub-Users: Removing a Sub-User From a Company

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6. Confirm the sub-user had been removed. 7. Click the Save All button.

Sub-Users: Removing a Sub-User From a Company

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Sub-Users Editing a Sub-User

You can make changes to existing sub-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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Click the “Manage Profile” link at the top of the side menu. 1. Click the sub-user you would like to edit. 2. Make the necessary changes to the sub-user. 3. Click the “Edit” link next to an account to edit a user’s permissions. Go to page 38 for more information. 4. Click the “Remove” link next to an account to remove a sub-user’s access.

Sub-Users: Editing a Sub-User

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Part 1: Editing Sub-User Access You can assign and edit a sub-user’s access rights. This helps you decide which responsibilities and limitations a user can have regarding certain transactions.

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1. Click the Access tab. 2. (Optional) Select a user to copy account access and permissions from. 3. Select which features the sub-user will have access to. 4. Click the Save All Permissions button when you are finished.

Sub-Users: Editing a Sub-User

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Part 2: Editing Sub-User Limits A user’s transaction limits can be adjusted, so you never have to worry about the amount of transactions they make. You can set these restrictions for a daily, weekly and monthly basis.

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1. Click the Limits tab. 2. Edit the maximum amounts a user can approve or draft for each transaction type. 3. Click the Save All Permissions button when you are finished.

Sub-Users: Editing a Sub-User

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Part 3: Editing Sub-User Authentication Decide which features will require additional authentication.

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1. Click the Authentication tab. 2. Select which features will require additional authentication. 3. Click the Save All Permissions button when you are finished.

Sub-Users: Editing a Sub-User

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Sub-Users Deleting a Sub-User

You have the ability to permanently delete a sub-user that is no longer needed. This deletes their contact information from the Sub-Users page and deactivates their Business Online Banking login ID, but it does not erase the data from any existing payments.

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2 Click the “Manage Profile” link at the top of the side menu.

1. Click the sub-user you would like to delete. 2. Click the Delete This Sub-User button. 3. Click the Delete button.

Sub-Users: Deleting a Sub-User

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Accounts Dashboard Overview

After logging in, you are taken directly to the dashboard. From here, you can navigate to every feature within Online Banking. You can view the balances in your accounts, see your account summaries and more!

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Accounts: Dashboard Overview