First National Bank and Trust Company Business Online and Mobile Banking User Guide

Business Online & Mobile Banking User Guide

II

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

St. Louis, MO 63021 www.mcompany.com

© 2009-2023 Murphy & Company, Inc. Microsoft, Microsoft Money, Windows and Internet Explorer are registered trademarks of Microsoft Corporation. Firefox is a registered trademark of the Mozilla Foundation. Quicken is a registered trademark of Intuit, Inc. Macintosh is a registered trademark of Apple Computer, Inc. Adobe Reader is a registered trademark of Adobe Systems, Inc. © 2012 Portions of this guide were written by Malauzai 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

Welcome to Business Online Banking with First National Bank and Trust! Whether you are at home or the office using a mobile phone, tablet or laptop, we strive to make your Business Online Banking experience easy and convenient. By adding powerful commercial products and features, FNBT provides you with the complex tools your business needs to achieve its goals. Business Online Banking shares similar features with our Personal Online Banking accounts, but this guide is designed to direct you through only business features. You can navigate this guide by clicking a topic or feature in the Table of Contents. Each section provides an overview and steps to help you during the Business Online Banking process. If you have additional questions, contact us at 888-255-2114.

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Table of Contents Getting Started

Business Online Banking Overview ............................................................................6 Enrollment .............................................................................................................................. 6 Users........................................................................................................................................ 6 Recipients................................................................................................................................ 6 Logging In After Enrollment.........................................................................................7 Logging Off ............................................................................................................................. 7 Manage Money Accounts Page Overview..............................................................................................8 Account Details ...........................................................................................................10 Mobile Account Details ....................................................................................................... 12 Desktop Account Preferences ...................................................................................14 Edit Nickname ...................................................................................................................... 14 Hide Account ........................................................................................................................ 15 Unhide Account.................................................................................................................... 15 Mobile Account Preferences......................................................................................16 Edit Nickname ...................................................................................................................... 16 Hide Account ........................................................................................................................ 17 Unhide Account.................................................................................................................... 17 Viewing a Transaction Image.....................................................................................18 Desktop ................................................................................................................................. 18 Mobile.................................................................................................................................... 19 Attaching an Image to a Transaction........................................................................20 Desktop ................................................................................................................................. 20 Mobile.................................................................................................................................... 21 Account Preferences ........................................................................................................... 22 Edit Nickname ...................................................................................................................... 22 Hide Account ........................................................................................................................ 23 Unhide Account.................................................................................................................... 23 Account Reporting ......................................................................................................24 Creating a New Report ........................................................................................................ 24 Deleting an Existing Report ................................................................................................ 25 Editing an Existing Report................................................................................................... 26 Running an Existing Report ................................................................................................ 27 E-Statements Delivery ................................................................................................28

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30 Move Money Transfers ...................................................................................................................... Creating a Template ............................................................................................................ 30 Editing or Using a Template ............................................................................................... 32 Deleting a Template ............................................................................................................ 33 Managing Transfers............................................................................................................. 34 Loan Payments & Transfers ...................................................................................... Creating a Template ........................................................................................................... 35 Initiating a Transaction ........................................................................................................ 37 Managing Loan Payments and Transfers ......................................................................... 39 Check Deposit (Mobile App Only) .............................................................................41 Viewing Check Deposit History .......................................................................................... 42 Pay Bills Bill Pay Overview.........................................................................................................43 Creating a Payee .................................................................................................................. 43 Editing a Payee ............................................................................................................ Deleting a Payee .........................................................................................................46 Schedule Payments ....................................................................................................47 Desktop ................................................................................................................................. 47 Mobile.................................................................................................................................... 48 Recurring Payments ...................................................................................................49 Desktop ................................................................................................................................. 49 Mobile.................................................................................................................................... Rush Delivery...............................................................................................................51 Editing a Payment .......................................................................................................52 Deleting a Payment ....................................................................................................53 Picture Pay ...................................................................................................................54 Updating Preferences.................................................................................................56 35 40 45 50 Editing or Deleting Templates ............................................................................................

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Other Features Stop Check Payment...................................................................................................57 Single Check ......................................................................................................................... 57 Range of Checks................................................................................................................... 59 Users Overview ...........................................................................................................61 User Management Overview.............................................................................................. 62 Adding a New User ............................................................................................................. 63 Part 1 of 3: Establishing Transaction Type Entitlements................................................. 65 Part 2 of 3: Disabling a Transaction Type ......................................................................... 66 Part 3 of 3: Editing Approval Limits for a Transaction Type ........................................... 67 Editing an Existing User’s Entitlements ............................................................................. 68 Secure Message Overview .........................................................................................69 Sending a Secure Message ........................................................................................70 Auxiliary Menu Alerts Overview ...........................................................................................................71 Edit Delivery Preferences.................................................................................................... 71 Mobile Delivery Preferences............................................................................................... 72 Editing Alerts ...............................................................................................................73 Account Alerts ...................................................................................................................... 73 Security Alerts ...................................................................................................................... 74 Preferences..................................................................................................................75 Changing Account Order..................................................................................................... 75 Important Phone Numbers .......................................................................................76 Branches and ATMs....................................................................................................77 Additional Services Additonal Services ......................................................................................................78 Fraud Management / EDI ................................................................................................... 78 ACH & Wire Services ........................................................................................................... 78 Remote Deposit Capture ................................................................................................... 78 Security Protecting Your Information......................................................................................79 General Guidelines .............................................................................................................. 79 Login ID and Password........................................................................................................ 79 Fraud Prevention ................................................................................................................. 79 ACH & Wire Services Transaction Type Overview .......................................................................................80 Business Online Banking Transaction Types.................................................................... 80

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Recipient Overview .....................................................................................................81 Part 1 of 7: Adding a Recipient ........................................................................................... 82 Part 2 of 7: ACH Only—Entering Information................................................................... 83 Part 3 of 7: Domestic Wires Only—Receiving Bank Detail .............................................. 85 Part 4 of 7: Domestic Wires Only—Receiver and Intermediary Detail .......................... 87 Part 5 of 7: International Wires Only—Beneficiary Bank Detail..................................... 88 Part 6 of 7: International Wires Only—Receiver and Intermediary Detail.................... 90 Part 7 of 7: Review ............................................................................................................... 91 Editing a Recipient ......................................................................................................92 Deleting a Recipient....................................................................................................93 Creating a Batch Payee List .......................................................................................94 Importing a Batch from File.......................................................................................98 Import ACH File .................................................................................................................... 98 Import Delimited File........................................................................................................ 100 Import Fixed Length File .................................................................................................. 104 Creating a New Payment ........................................................................................ 107 Single Transaction............................................................................................................. 107 One-Time Single Transaction .......................................................................................... 112 Make Batch Payment........................................................................................................ 116 ACH NACHA File Import .......................................................................................... 121 Editing an ACH Batch............................................................................................... 125 Dual Control – Approval Process ........................................................................... 128 Mobile................................................................................................................................. 130 Deleting a Batch ....................................................................................................... 131 Pending or Processed Payments ........................................................................... 132 Deleting a Payment .......................................................................................................... 133 Processed Payments ........................................................................................................ 134 Pay Again................................................................................................................... 135

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Getting Started Business Online Banking Overview

Whether you’re an enterprise, large corporation or small organization, our flexible Business Online Banking can efficiently serve you. Depending on your size, the first steps in banking online are setting up your users and recipients. After setting up these key entities, you can jump right in and experience our state-of-the-art system! Enrollment Businesses must contact FNBT to enroll for Online Banking. Please contact FNBT at 888-255-2114 in order to enroll if you are a new customer or do not currently have Online Banking. Once you have been enrolled, use the credentials provided by FNBT to login. See page 7 for more details about logging in. Users If your business only needs one person with access to Business Online Banking, you can set up a single login ID and password. This is typical for small companies who primarily use basic Online Banking tools with occasional business transactions. For larger organizations, our system lets you establish multiple login IDs and passwords for authorized employees. You can customize which employees get access to different features within Business Online Banking by establishing user entitlements. Recipients If your business uses FNBT’s ACH & Wire Services, recipients are people or businesses to whom you send or request money using a payment feature offered through Business Online Banking. After creating a profile for each recipient, you can choose the method to send them money and view the respective transaction details. Each created recipient saves within the system, so you can quickly and easily make future payments.

Getting Started: Business Online Banking Overview

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Getting Started Logging In After Enrollment

After your first-time enrollment, logging in is easy and requires your Company ID, Username, and Password.

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1. Go to www.bankatfirstnational.com and select the “Business” radio button in the Login to Online Banking box. 2. Enter your Company ID, Username and Password. 3. Click the Login button.

Note : If you enter an incorrect password too many times, your account will be temporarily locked. Contact us at 888-255-2114 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. In the drop-down at the top-right corner of the page, click the Log out button. 2. Close your browser.

Getting Started: Logging In After Enrollment

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Manage Money Accounts Page Overview

After logging in, you are taken directly to the Accounts page. This page is divided into two convenient sections to help you navigate to every feature within Online Banking. Here you can view account balances, summaries and more!

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Note : The letters above correspond to several available features on the Accounts page.

Manage Money: Accounts Page Overview

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A. The sidebar menu appears in every view on the left side of the screen. You can navigate to Online Banking features by clicking on the name of the feature. B. Your FNBT accounts are displayed in an account tile with their balances. Click the View All Accounts button to expand the tiles to view more accounts. When you click an account tile, you will be taken to a list of recent transactions. C. The icon located in the top right corner of the page allows you to access account settings, locations, contact details, social buttons, alerts and more. D. You can use the search bar to search for accounts using keywords.

Manage Money: Accounts Page Overview

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Manage Money Account Details

Selecting a FNBT account on the Home page takes you to the Account Details page, where you can view transactions pertaining to that account. From here, you can view details such as type of transaction, check and deposit images, and account balances, so you stay organized and on top of your finances.

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Manage Money: Account Details

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A. On the Home page, you can click on an account name to view the Account Details screen. B. The current and available balances of that account are displayed at the top of the page. Current Balance (also known as Ledger Balance) is your beginning of day balance. The Available Balance is the beginning of the day balance plus or minus any of that day’s credits or debits. Note: Select “View Details” to find your full account number. C. Use the search bar to search transactions using keywords. D. Transactions can be sorted by date, type, amount or check number. Click the icon for more options. E. You can expand or collapse the view of each transaction as well as images by clicking the icon.

Manage Money: Account Details

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Mobile Account Details

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Note : The letters correspond to several available features on the Transactions page.

Manage Money: Account Details

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A. The icon displays the sidebar menu. You can navigate to Mobile Banking features by selecting the name of the feature. B. Your FNBT accounts are displayed in an account tile with their balances. Click on an account tile to show details about an account such as balances, interest rates (if applicable), and due dates (if applicable). C. When you click on the account tile, the transactions for that account are displayed. D. Use the search bar to search transactions using keywords. E. The icon allows you to filter your search. F. You can expand or collapse the view of each transaction by clicking the icon. G. The icon located in the top right corner of the screen allows you to access account preferences, update your contact information, setup and manage alerts, and more.

Manage Money: Account Details

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Manage Money Desktop Account Preferences

Personalize your accounts and how they appear in Online Banking. Here you can change your account names and organize them however you like to suit your needs. Edit Nickname

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In the menu at the top right corner of the page, click Preferences . 1. Under Account Settings , select the account you wish to nickname. 2. Click the icon to edit an account name. 3. Enter a new name and click the icon to save your settings.

Manage Money: Desktop Account Preferences

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Hide Account

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In the menu at the top right corner of the page, click Preferences . 1. Under Account Settings , select the account you wish to hide. 2. Toggle the hide account switch to the right. Unhide Account

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In the menu at the top right corner of the page, click Preferences . 1. Under Account Settings , select the account you wish to unhide. 2. Toggle the hide account switch to the left.

Manage Money: Desktop Account Preferences

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Manage Money Mobile Account Preferences

Note : The screens shown are from an Android device. Your experience may be slightly different on an Apple iPhone.

Edit Nickname

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drop-down at the top right corner of the screen, click Preferences .

In the

1. Click the account you would like to nickname. 2. Enter the new nickname. 3. Click the Save button when you are finished.

Manage Money: Mobile Account Preferences

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Hide Account

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drop-down at the top right corner of the screen, click Preferences .

In the

1. Click the account you would like to hide. 2. Check the box next to “Hide Account.” 3. Click the Hide button when you are finished. Unhide Account

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drop-down at the top right corner of the screen, click Preferences .

In the

1. Click the account you would like to hide. 2. Uncheck the box next to “Hide Account.” 3. Click the Hide button when you are finished.

Manage Money: Mobile Account Preferences

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Manage Money Viewing a Transaction Image

Need a copy of a check that has cleared your account? You can view copies of checks through mobile banking with FNBT. Desktop

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In the Sidebar Menu , click My Accounts . 1. Click on an account. 2. Scroll through the list of transactions and look for the

icon. The

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indicates that there is a transaction image to view. 3. Click the icon to expand the transaction. 4. Click on the “Front Image or Back Image” links to view the opposite side of the check.

Manage Money: Viewing a Transaction Image

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Mobile

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In the Sidebar Menu , click My Accounts . 1. Click on an account. 2. Scroll through the list of transactions and look for the indicates that there is a transaction image to view. 3. Click the icon. 4. Click the Review Check Image button. 5. Click on the image to view the opposite side of the check. 6. Click the Done button when you are finished.

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Manage Money: Viewing a Transaction Image

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Manage Money Attaching an Image to a Transaction

Keep track of your expenses by attaching receipts, invoices and other images to each transaction. Desktop

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In the Sidebar Menu , click My Accounts . 1. Click on an account. 2. Click the 3. Click the Add Receipt Image button. 4. Navigate to the image you wish to attach. icon to expand the transaction.

Manage Money: Attaching an Image to a Transaction

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Mobile

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In the Sidebar Menu , click My Accounts . 1. Click on an account. 2. Click the icon and choose “Attach Image” (Android) or “Add Transaction Image” (Apple) from the drop-down menu. 3. Navigate to the image you wish to attach.

Manage Money: Attaching an Image to a Transaction

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Account Preferences Personalize your accounts and how they appear in Online and Mobile Banking. Here you can change your account names and organize them however you like to suit your needs. Edit Nickname

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In the menu at the top right corner of the page, click Preferences . 1. Under Account Settings , select the account you wish to nickname. 2. Click the icon to edit an account name. 3. Enter a new name and click the icon to save your settings.

Manage Money: Attaching an Image to a Transaction

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Hide Account

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In the menu at the top right corner of the page, click Preferences . 1. Under Account Settings , select the account you wish to hide. 2. Toggle the hide account switch to the right. Unhide Account

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In the menu at the top right corner of the page, click Preferences . 1. Under Account Settings , select the account you wish to unhide. 2. Toggle the hide account switch to the left.

Manage Money: Attaching an Image to a Transaction

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Manage Money Account Reporting

You can create several reports within Business Online Banking to keep track of payments, checks and transactions during a specified date range. Creating a New Report In order to make a new report, you need to specify the account, check number or amount range, transaction type and dates for your report.

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In the Sidebar Menu , click Account Reporting . 1. Use the drop-down to select an account. 2. Select at least one filter: check number, amount range, or date. 3. (Optional) Choose a transaction type by selecting the appropriate box.

4. Click the Save Report button. 5. Enter a name for the report. 6. Click the Confirm button.

Manage Money: Account Reporting

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Deleting an Existing Report If you no longer need an existing report, you can delete it from your Business Online Banking.

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In the Sidebar Menu , click Account Reporting . 1. Choose saved report from the drop-down. 2. Click the Delete Report button. 3. Click the Confirm button.

Manage Money: Account Reporting

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Editing an Existing Report If you need to edit an existing report, you can edit it from your Business Online Banking.

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In the Sidebar Menu , click Account Reporting . 1. Choose saved report from the drop-down.

2. Make the necessary changes. 3. Click the Edit Report button. 4. Click the Confirm button.

Manage Money: Account Reporting

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Running an Existing Report Running an existing report allows you to display the results from your saved reports.

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In the Sidebar Menu , click Account Reporting . 1. Use the drop-downs and select an account and saved report. 2. Click the Apply button to run the report.

Manage Money: Account Reporting

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Manage Money E-Statements Delivery

You can change how you like to receive your monthly statements for your primary account. Paper statements are physically delivered to you in the mail while E-Statements are available within your Online Banking account. You are notified by email when the statement is ready to view or download from Online Banking. Note: Paper statement fees may apply.

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In the Sidebar Menu , click E-Statements . 1. Click the Delivery Preferences button. You will be asked to agree to the terms and conditions of receiving e-statements. 2. Use the “Apply Statement Preferences to” drop-down to select an account. 3. Click the Next button. 4. Use this drop-down to select your statement preference and add your email address. 5. Click the Submit button when you are finished.

Manage Money: E-Statements Delivery

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Manage Money E-Statements

The E-Statements feature is a great virtual filing system for your bank statements, saving paper and space in your home or office. By storing your statements electronically, your account information is always readily available when you need it.

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In the Sidebar Menu , click E-Statements . 1. Select an account to view its statements. 2. Click either the View or Save button to view or save the statement.

Manage Money: E-Statements Delivery

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Move Money Transfers

When you need to make a one-time or recurring transfer between your business FNBT accounts, you can use the Transfers feature. These transactions go through automatically, so your money is always where you need it to be. Creating a Template You can create a template for recurring transactions. A template is a pre-made payment model. It contains detailed directions that can be used for repeated transactions. Using a template helps reduce mistakes, assign tasks and control payments. It’s best practice to use a template if you are sending payments to: • Vendors or suppliers • Collections from customers • Payroll

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In the Sidebar Menu , click Transfers . 1. Click the Create Template tab. 2. Enter the template name. 3. Select the accounts to transfer funds between using the “From” and “To” drop-downs. 4. Enter the amount to transfer.

Move Money: Transfers

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5. Enter a memo. 6. Use the drop-down to select a frequency. 7. For a recurring transfer:

a. Choose how long the transfer should occur. b. Enter an end date or total number of transfers, if necessary. 8. Click the Save button when you are finished. 9. Click the Ok buton.

Move Money: Transfers

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Editing or Using a Template You can edit any of the available templates. Make a quick change without having to create a new template.

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In the Sidebar Menu , click Transfers . 1. Click the Templates tab.

2. Click the icon and select “Edit Template” to make changes to a template. 3. Make the necessary changes and click the Save button when you are finished. 4. Click the Ok buton.

Move Money: Transfers

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Deleting a Template You can delete an unnecessary template. However, once a template is deleted, previous payments using the template do not change.

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In the Sidebar Menu , click Transfers . 1. Click the Templates tab. 2. Click the icon and select “Delete Template” to delete a template. 3. Click the Confirm button to permanently delete a template.

Move Money: Transfers

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Managing Transfers When you need to cancel a transfer, you can view and manage all transfers through the Transfers page.

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In the Sidebar Menu , click Transfers .

1. Click the icon. 2. From the drop-down, you have a few options: a. Click “View Details” to view additional information about a specific transfer. b. Click “Edit” to edit the transfer. c. Click “Cancel Transfer” to cancel the transfer.

Move Money: Transfers

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Move Money Loan Payments & Transfers

When you need to make a one-time or recurring payment to an FNBT loan, you can use the Loan Payments & Transfers feature. Creating a Template A template is a pre-made payment model. It contains detailed directions that can be used for repeated transactions. Using a template helps reduce mistakes.

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In the Sidebar Menu , click Loan Payments & Transfers . 1. Click the Create Template tab. 2. Enter a template name. 3. Select the accounts to transfer funds between using the “From” and “To” drop-downs. 4. Use the drop-down menu to select a transfer type. 5. Enter the amount to transfer. 6. Enter a memo.

Move Money: Loan Payments & Transfers

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7. If you would like to set up a recurring transfer: a. Choose the frequency of the transfer. b. Choose how long the transfer should occur. c. Enter an end date or total number of transfers, if necessary. 8. Click the Save button when you are finished.

Move Money: Loan Payments & Transfers

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Initiating a Transaction

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7 In the Sidebar Menu , click Loan Payments & Transfers . 1. Click the Initiate Transaction tab.

2. (Optional) Use the drop-down to select a previously created template. 3. Select the accounts to transfer funds between using the “From” and “To” drop-downs. 4. Enter the date to send the transaction. 5. Use the drop-down menu to select a transfer type. 6. Enter the amount to transfer. 7. Enter a memo.

Move Money: Loan Payments & Transfers

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8. If you would like to set up a recurring transfer: a. Choose the frequency of the transfer. b. Choose how long the transfer should occur. c. Enter an end date or total number of transfers, if necessary. 9. Click the Submit button when you are finished.

Move Money: Loan Payments & Transfers

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Managing Loan Payments and Transfers When you need to make changes to a loan transfer, you can view and manage all transfers through the Loan Transfers page.

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View Details

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Cancel Transfer

In the Sidebar Menu , click Loan Payments & Transfers . 1. Click the icon. 2. From the drop-down menu, you have a few options: a. Click “View Details” to view additional information about a specific transfer. b. Click “Edit” to edit the transfer. c. Click “Cancel Transfer” to delete the transfer.

Move Money: Loan Payments & Transfers

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Editing or Deleting Templates You can edit any of the templates on the Templates page. You can also delete an unecessary template. However, once a template is deleted, previous payments using the template do not change.

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In the Sidebar Menu , click Loan Payments & Transfers . Click the Templates button. 1. Click the icon. 2. From the drop-down menu, you have a few options: a. Click “View Details” to view additional information about a specific template. b. Click “Edit Template” to edit the template. c. Click “Delete Template” to delete the template. d. Click “Pay Now” to use the template to initiate a transaction.

Move Money: Loan Payments & Transfers

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Move Money Check Deposit (Mobile App Only)

You no longer need to visit a branch to deposit a check. By using the Check Deposit feature, within FNBT’s Online and Mobile Banking services, you can upload images of the front and back of a check to deposit into your FNBT account. Our Mobile Deposit function is compatible with any Android or Apple device with a working camera.

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Endorse the back of your check with “For Mobile Deposit Only to FNBT”. Our policy is to make funds available on the business day following the banking day of deposit. We do not generally place holds on deposits. However, we may place an Exception Hold in certain circumstances.

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In the Sidebar Menu , click Deposit Single Check . 1. Click the Deposit A Check button. 2. Select an account using the “Deposit To” drop-down. 3. Enter the amount of the deposit. 4. Upload an image of the front and back of the check. 5. Click the Submit button when you are finished.

Move Money: Check Deposit (Mobile App Only)

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Viewing Check Deposit History You can view all the checks you deposited into your FNBT account all in one convenient place. By viewing your Check Deposit history, you can also view the status of your deposits. Note: Deposits made using FNBT’s Remote Deposit scanners will be viewable under Remote Deposit.

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In the Sidebar Menu , click Check Deposit . 1. Click the 2. View information about your deposit.

icon and select “Details” from the drop-down.

Move Money: Check Deposit (Mobile App Only)

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Pay Bills Bill Pay Overview

Bill Payment with FNBT allows you to stay on top of your monthly finances. Having your bills linked to your bank account enables you to electronically write checks and send payments all in one place. Creating a Payee The person or company to whom you are sending funds to is known as the payee. A payee can be almost any company or person such as a department store, cable TV provider or even a relative. It may be convenient to set up a payee to receive payments on a regular basis. Desktop Computer 1 Mobile Device

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In the Sidebar Menu , click Bill Payment . 1. On a desktop computer, click the Add Payee button. On a mobile device, click the button and select “Add Payee.” 2. Click on one of the preloaded payees, or click the Add Payee button to

create a new payee.

Pay Bills: Bill Pay Overview

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3. Enter the new payee’s information and account details. (This will vary by payee.) 4. Click the Create Payee button.

Pay Bills: Bill Pay Overview

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Pay Bills Editing a Payee

You can make changes to an existing payee at any time. This is especially beneficial if a payee’s account number or contact information changes.

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In the Sidebar Menu , click Bill Payment . 1. Click on the payee you wish to edit to expand the payee. 2. Click the Edit (Desktop) or Edit Payee (Mobile) button. 3. Make your changes and click the Save button when you are finished.

Pay Bills: Editing a Payee

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Pay Bills Deleting a Payee

If a payee is no longer needed, you can permanently delete them. This does not erase data from any existing payments.

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In the Sidebar Menu , click Bill Payment . 1. Click on the payee you wish to delete to expand the payee. 2. Click the Edit (Desktop) or Edit Payee (Mobile) button and select “Delete Payee”. 3. Click the Yes button.

Pay Bills: Deleting a Payee

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Pay Bills Schedule Payments

It is easy to pay your bills once you set up payees. To pay a bill, simply find your payee and fill out the payment information beside their name. Desktop

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In the Sidebar Menu , click Bill Payment . 1. Select Pay Bills using the “I want to” drop-down. 2. Enter the payment information. 3. Click the Pay Bills button. 4. Click the Submit Payments button when you are finished.

Note : The Send On date is the day the funds will be deducted from your account. The Deliver By date is the estimated delivery date of the payment based on the Send On date.

Pay Bills: Schedule Payments

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Mobile

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In the Sidebar Menu , click Bill Payment . 1. Click on the bill you would like to pay. 2. Click the Pay button. 3. Enter the payment information and click the Make Payment button. 4. Click the Submit Payment button when you are finished.

Note : The Send On date is the day the funds will be deducted from your account. The estimated Delivery Date is the estimated delivery date of the payment based on the Send On date.

Pay Bills: Schedule Payments

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Pay Bills Recurring Payments

Our Recurring Payments feature keeps you ahead of your repeating payments. Setting up a recurring payment takes only a few moments and saves you time by not having to reenter a payment each time it is due. Desktop

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In the Sidebar Menu , click Bill Payment . 1. Select Pay Bills using the “I want to” drop-down. 2. Click the Recurring Payment from “Off” to “On” button. 3. Enter the payment amount, first payment date and select a pay from account. 4. Enter the payment frequency and the non-business day option.

5. Choose when to cancel the recurring payment. 6. Click the Save button when you are finished. 7. Click the Save Schedule button.

Pay Bills: Recurring Payments

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Mobile

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In the Sidebar Menu , click Bill Payment . 1. Click on the bill you would like to pay. 2. Click the Setup Recurring Payment button. 3. Enter the payment amount and the first payment date. 4. Enter the Payment Frequency and the Non-Business Day Option.

5. Choose when to cancel the recurring payment. 6. Click the Save button when you are finished. 7. Click the Save Schedule button.

Pay Bills: Recurring Payments

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Pay Bills Rush Delivery

A Rush Delivery option is available if you need a payment to process faster than the standard rate. A standard fee may occur.

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In the Sidebar Menu , click Bill Payment . 1. Select Pay Bills using the “I want to” drop-down.

2. Click the Rush button. 3. Select a delivery option. 4. Click the Pay Bills button. 5.

Click the Submit Payments button when you are finished.

Pay Bills: Rush Delivery

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Pay Bills Editing a Payment

You can edit a payment even after you schedule it. This convenient feature gives you the freedom to change the way you make your payments.

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In the Sidebar Menu , click Bill Payment . 1. Select View Payments using the “I want to” drop-down. 2. Click the icon. 3. Edit the payment information. 4. Click the Save button when you are finished.

Pay Bills: Editing a Payment

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Pay Bills Deleting a Payment

You can delete a payment even after you schedule it. This convenient feature gives you the freedom to change the way you make your payments.

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In the Sidebar Menu , click Bill Payment . 1. Select View Payments using the “I want to” drop-down. 2. Click the icon. 3. Click the Yes button when you are finished.

Pay Bills: Deleting a Payment

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Pay Bills Picture Pay

You can make a payment by simply uploading a picture of your bill. All of the payee information is entered automatically.

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In the Sidebar Menu , click Bill Payment . 1. Select Pay with Picture using the “I want to” drop-down. 2. For desktop: a. Click the Upload Picture button. b. Select the image of the bill you wish to pay. c. Click the Open button.

Note : Make sure the account number, payee name, address and the amount of the bill are all captured in the picture.

Pay Bills: Picture Pay

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3. For mobile:

a. Click the Take Picture button. b. Take a picture of the bill with your mobile phone or select an existing image. 4. Enter the bill amount. 5. Enter the payment date using the calender feature. 6. Select an account using the “Account to Pay From” drop-down. 7. Enter a memo. 8. Click the Pay Bill button when you are finished.

Pay Bills: Picture Pay

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Pay Bills Updating Preferences

Control what information is sent to you and how you receive it. You can update your next check number, email address and notification preferences.

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In the Sidebar Menu , click Bill Payment . 1. Select Update my Preferences using the “I want to” drop-down. 2. Update your next check number. 3. Update your email address. 4. Update your notification preferences. 5. Click the Save button when you are finished.

Pay Bills: Updating Preferences

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Other Features Stop Check Payment

Single Check If you’re ever worried about a pending written check, you can initiate a stop payment request to prevent that check from being cashed. Once approved, the stop payment remains in effect for six months. If you need the current fee information or if you need to place a stop payment request on an ACH/electronic item, please contact us during our business hours at 888-255-2114.

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In the Sidebar Menu , click Stop Payment . 1. Select an account using the account number drop-down. 2. Select Single Check using the “Stop Payment On” drop-down. 3. Click the Next button.

Other Features: Stop Check Payment

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4. Enter the check number. 5. Enter the amount.

6. Enter the check date. 7. Enter the Payee Name. 8. Click the Next button when you are finished.

Note : You will be notified on the confirmation screen if there will be a fee assessed for stopping a payment before hitting submit.

Other Features: Stop Check Payment

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Range of Checks If you’re ever worried about multiple pending written checks, you can initiate a stop payment request to prevent the checks from being cashed. Once approved, the stop payment remains in effect for six months. If you need the current fee information, please contact us during our business hours at 888-255-2114.

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In the Sidebar Menu , click Stop Payment . 1. Select an account using the “Account Number” drop-down. 2. Select Range of Checks using the “Stop Payment On” drop-down. 3. Click the Next button.

Other Features: Stop Check Payment

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4. Enter the Start Number of the checks you wish to stop. 5. Enter the End Number of the checks you wish to stop. 6. Enter a description. 7. Click the Next button when you are finished.

Note : You will be notified on the confirmation screen if there will be a fee assessed for stopping a payment before hitting submit.

Other Features: Stop Check Payment

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Other Features 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 usernames and passwords. Each user is assigned a set of user entitlements that permits or prevents them from performing certain actions such as: • Sending or drafting payments and creating templates for certain transaction types. • The number of approvals that can be completed in a day or the dollar amount of a specific transaction. • Accessing specific accounts from multiple entities. • Managing recipients, users, subsidiaries and templates. Authorized users can set up the features, accounts and entitlements each user needs to do their job. Establishing these entitlements gives users permission to perform specific tasks, helping you manage your business and making it run as smoothly as possible.

Other Features: Users Overview