GNBank Commercial Cash Management Digital Banking Guide

B U S I N E S S

D I G I T A L

B A N K I N G G U I D E

II

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

St. Louis, MO 63021 www.mcompany.com

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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 GNBank! 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. By adding powerful commercial products and features, GNBank provides you with the complex tools your business needs to achieve its goals. While our Business Online Banking shares similar features with our personal accounts, this guide is meant to help you through business features only. You can navigate this guide by clicking a topic or feature in the Table of Contents. Each section provides an overview and steps to help you during the Online Banking process. If you have additional questions, contact us at (888) 675-8223.

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Table of Contents Getting Started

Business Online Banking Overview ............................................................................4 Users........................................................................................................................................ 4 Subsidiaries ............................................................................................................................ 4 Recipients................................................................................................................................ 4 Verify Personal Image ..................................................................................................6 Security Questions........................................................................................................7 Commercial Users Overview .............................................................................................................9 Users Overview .................................................................................................................... 10 Adding a New User ............................................................................................................. 11 Part 1 of 4: Access Times..................................................................................................... 12 Part 2 of 4: Editing Approval Limits for a Transaction Type ........................................... 13 Part 3 of 4: Establishing Transaction Type Rights ............................................................ 14 Part 4 of 4: Establishing Rights to Features and Accounts.............................................. 15 Editing an Existing User’s Rights ...............................................................................16 Deleting a User............................................................................................................17 ACH Batch List Overview............................................................................................18 Creating a Batch List...................................................................................................19 Adding Recipients to a Batch.............................................................................................. 20 Upload Batch File ........................................................................................................21 File Status.....................................................................................................................22 Editing a Batch.............................................................................................................23 Deleting a Batch ..........................................................................................................24 Initiating an ACH Template........................................................................................25 Tax Payment................................................................................................................26 Viewing ACH Transaction History .............................................................................27 Searching ACH Transactions......................................................................................28 Reports Overview........................................................................................................29 Prior Day Report .................................................................................................................. 30 Current Day Report.............................................................................................................. 31 Position Report..................................................................................................................... 32 Activity Report ...................................................................................................................... 33 Summary Report.................................................................................................................. 34 Positive Pay Report.............................................................................................................. 35 Saved Reports ...................................................................................................................... 36

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Positive Pay Introduction.................................................................................................................37 Add/Edit Upload Format ............................................................................................38 Upload ..........................................................................................................................39 Positive Pay Exceptions..............................................................................................42 Download.....................................................................................................................43 My Profile Personal Information .................................................................................................44 Account Settings .........................................................................................................46 Display Settings...........................................................................................................47 Alert Settings ...............................................................................................................48 Alerts Listing ......................................................................................................................... 48 Event Alerts........................................................................................................................... 49 Item Alerts ............................................................................................................................ 50 Personal Alerts ..................................................................................................................... 51

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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, subsidiaries and recipients. After setting up these key entities, you can jump right in and experience our state of-the-art system! Users If your business only needs one person with access to Business Online Banking, you can set up a single login ID and password. This is typical for small companies who primarily use basic online banking tools with occasional business transactions. For larger organizations, our system lets you establish multiple login IDs and passwords for authorized employees. After setting up a company profile with a GNBank representative, you can organize which employees get access to different features within Business Online Banking by establishing user roles. Subsidiaries Subsidiaries are different entities owned or managed by one parent company. Business Online Banking allows you to manage your subsidiaries, offering centralized control to the parent company with the convenience of a single banking system. Subsidiaries may not apply if your business is a single entity with only one tax ID with several bank accounts tied to it. For complete information, contact us at (888) 675-8223. Recipients Recipients are people or businesses to whom you send 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 the respective transaction details. Each recipient is saved, so you can quickly and easily make future payments.

Getting Started: Business Online Banking Overview

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Various types of payment methods are offered through Business Online Banking, including wire and ACH transfers. Though they are both quick electronic payments, wires are the fastest way to transfer money between accounts. ACH transactions are done using a batch process, and funds are generally not available until the next business day. Please call us at (888) 675-8223 for a full list of wire and ACH fees or if you have any questions.

Getting Started: Business Online Banking Overview

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Getting Started Verify Personal Image

For security purposes, each time you login, you must verify that the image on the left is the image you selected as your Personal Identification Image. If you have not set up your Personal Identification Image, a random image will appear. When you login, you are prompted to select an image.

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Click the Cash Manager tab. 1. Select or change your Personal Identification image. 2. Click the Submit button.

Getting Started: Verify Personal Image

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Getting Started Security Questions

In order to make your Online Banking experience as secure as possible, we are introducing a new security feature that detects any uncharacteristic or unusual behavior involving your account. We ask you to verify your identity if anything out of the ordinary is detected. How does it work? If we detect any unusual or uncharacteristic activity, we will ask you to answer your security questions. This will most likely be a very rare occurrence. What are the next steps? • Answer and verify three security questions. • Continue banking with an even higher level of security!

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1. Click the Continue button.

Getting Started: Security Questions

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2. Select and answer three security questions. If we suspect a high-risk transaction is about to be performed, we will ask you a few verification questions. 3. Click the Submit button. 4. Verify your answers and click the Confirm button when you are finished. 5. Click the Continue button.

Getting Started: Security Questions

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Commercial Users Overview

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

Commercial: Users Overview

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

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In the Cash Manager tab, click Users . A. The following information presents for each user: • Name • Online Banking ID • Status B. Use the “Select option” drop-down to edit or delete a user. C. Click the Create New User tab to create a new user.

Commercial: Users Overview

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

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In the Cash Manager tab, click Users . 1. Click the Create New User tab. 2. Enter a user name. 3. Enter the user’s email address. 4. Use the drop-down to select an administration status.

• No: No administration rights • Yes: Full administrative rights

• Partial: Partial administration to change settings but not add new users. • View: Can view administrative access and functionality but not make changes. 5. Enter a wire password, if applicable. 6. Check the box to view position/activity reports for the user. 7. Check the box to hold the user. This will prevent the user from having access to online banking. 8. Enter the user’s mobile phone number and select the wireless carrier to send alerts via text messaging

Commercial: Users Overview

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Part 1 of 4: Access Times Decide when a user is able to access business online banking.

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1. Select which times a user can access business online banking.

Commercial: Users Overview

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Part 2 of 4: Editing Approval Limits for a Transaction Type A user’s approval limits can be adjusted, so you never have to worry about the amount or number of transactions they make.

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1. Enter the transaction limits for the user. 2. Check the box to enable dual wire control and enter a dual wire control limit.

Note : Dual wire control means when one user creates a wire transaction, a second user with wire approval authority needs to approve the payment before it can be processed.

Commercial: Users Overview

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Part 3 of 4: Establishing Transaction Type Rights You can assign and edit user rights. This helps you decide which responsibilities and limitations a user can have regarding certain transactions.

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1. Select which transaction rights the user will have. 2. Click the Submit button.

Commercial: Users Overview

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Part 4 of 4: Establishing Rights to Features and Accounts Decide which users have access to perform specific tasks within an account.

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1. Select which features and accounts the user will have access to. 2. Click the Submit button when you are finished.

Commercial: Users Overview

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Commercial Editing an Existing User’s Rights

Authorized users can make changes to existing users at any time. This is especially beneficial if someone’s job title changes or their approval limits need to be adjusted.

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In the Cash Manager tab, click Users . 1. Find the user you want to edit and use the drop-down to select “User Settings,” “Default Settings” or “Account Settings” depending on the information you would like to edit. 2. Make the necessary changes and click the Submit button.

Commercial: Editing an Existing User’s Rights

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Commercial Deleting a User

Authorized users can permanently delete a user that is no longer needed. This deletes their contact information from the 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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In the Cash Manager tab, click Users . 1. Find the user you want to remove and use the drop-down to select “Delete.” 2. Click the Delete button.

Commercial: Deleting a User

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Commercial ACH Batch List Overview

Business Online Banking allows you to create a batch list to make quick payments to multiple people. This is especially beneficial when doing payroll since you can enter multiple amounts and recipients. This page displays a list of all ACH batches created, including the current status for each ACH batch shown. From this page you can create a new ACH batch, edit, copy or delete an existing ACH batch, upload an ACH batch and search ACH batch activity.

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In the Cash Manager tab, click ACH . A. The following information presents for each recipient: • Status • Category Name • Type • Company • Process Date

• Debit • Credit • Recurring • Scheduled Date

B. Click the

icon to make edits to or delete a specific recipient or view

payment history.

Commercial: ACH Batch List Overview

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Commercial Creating a Batch List

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In the Cash Manager tab, click ACH Batch Templates . 1. Select a company from the batch drop-down. 2. Enter a batch name. 3. Enter discretionary data. 4. Use the drop-down to select an SEC code. 5. Enter an entry description. This field is limited to ten characters or less. The description is automatically added to the NACHA-formatted ACH file. 6. Click the Submit button.

Commercial: Creating a Batch List

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Adding Recipients to a Batch

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1. Enter a recipient’s name. 2. (Optional) Enter an ID number. An ID number can be used to identify a recipient when duplicate names exists. 3. Enter an amount. 4. (Optional) Click the box to prenote all recipients in the batch and verify their information. 5. (Optional) Use the drop-downs to select an addenda type. 6. (Optional) Enter an addenda. 7. Enter the recipient’s routing number. 8. Enter the recipient’s account number. 9. Use the drop-down to select an account type. 10. Select a transaction type and status. 11. To add another recipient, click the Add Multiple button and repeat steps 1 through 10.

12. Click the Submit button when you are finished. 13. Review the information and click the Submit button.

Commercial: Creating a Batch List

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Commercial Upload Batch File

You can import a balanced NACHA format file to create an ACH batch. • NACHA files are not processed as uploaded into the system. The system is extracting the information needed to create an ACH batch. • The import uses the name and the order of the file to create recipients and amounts • You can include a recipient multiple times to create multiple payments • The payments can be to the same account or a different account

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In the Cash Manager tab, click ACH then click Upload . 1. Click the Choose File button and select the file you would like to upload. 2. Click the Upload button to upload the file.

Commercial: Upload Batch File

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Commercial File Status

This page displays the current status of an uploaded file and allows you to refresh the status shown and view details of files that have been successfully uploaded.

In the Cash Manager tab, click File Status .

Commercial: File Status

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Commercial Editing a Batch

You can edit the information in a batch.

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In the Cash Manager tab, click ACH . 1. Find the batch you want to edit, click the icon and select “Edit.” 2. Make the necessary changes and click the “Edit” link to edit a recipient if necessary. Click the Submit button.

Commercial: Editing a Batch

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Commercial Deleting a Batch

You can delete a batch that is no longer needed.

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In the Cash Manager tab, click ACH . 1. Find the batch you want to delete, click the

icon and select “Delete.”

2. Click the Delete button.

Commercial: Deleting a Batch

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Commercial Initiating an ACH Template

Templates are a quick way to send a recurring payment.

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In the Cash Manager tab, click ACH . 1. Find the transaction you want to initiate, click the

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“Initiate.” 2. For one-time payments select an effective date. 3. For recurring payments: a. Use the drop-down to select a frequency. b. Select a day of the month. c. Enter a start date and expiration date. 4. Check the box to reset amounts to $0.00 after processing the batch. 5. Click the Initiate button.

Commercial: Initiating an ACH Template

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Commercial Tax Payment

With Business Online Banking, you can initiate a local, state or federal tax payment through the Electronic Federal Tax Payment System (EFTPS) without ever leaving your home or office.

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In the Cash Manager tab, click ACH then click Tax Payment . 1. Select federal or your state from the “Pay To” drop-down. 2. Enter your tax payment information. 3. Click the Submit button when you are finished. 4. Review the information and click the Submit button.

Commercial: Tax Payment

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Commercial Viewing ACH Transaction History

Users can view ACH transaction history in the Activity Center.

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In the Cash Manager tab, click ACH then click History . A. Click a “date range” link to change the date range that is displayed. B. Click the “Search” link to search for a specific transaction. C. Click the “View” link next to the transaction you would like to view to see additional details.

Commercial: Viewing ACH Transaction History

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Commercial Searching ACH Transactions

From this page, you can search for ACH batch records within an ACH batch using specific search criteria such as ACH batch name, ACH company name, or batch record amount.

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Commercial: Searching ACH Transactions

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Commercial Reports Overview

You can keep up with all the incoming and outgoing transactions within your accounts using the Reports feature. Viewing a report on certain transactions can prevent errors and make bookkeeping easy. There are several types of reports available: • Prior Day: This page displays prior day account information for the selected account. • Current Day: This page displays current account information for the selected account. • Position: From this page, you can download, save to a file, and view cash management data consisting of prior day balance and transaction totals. • Activity: This report delivers detailed cash management reporting with multiple search criteria. • Summary: This report delivers a summary of activity. • Positive Pay: This report filters processed checks by their status and exception reason. • Saved: This report saves previous search criteria that can be accessed at any time.

Commercial: Reports Overview

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Prior Day Report This report displays prior day account information for the selected account.

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In the Cash Manager tab, click Reporting then click Prior Day . 1. Use the drop-down to select an account. 2. The report will display below.

Commercial: Reports Overview

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Current Day Report This report displays current day account information for the selected account.

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In the Cash Manager tab, click Reporting then click Current Day . 1. Use the drop-down to select an account. 2. The report will display below.

Commercial: Reports Overview

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Position Report From this page, you can download, save to a file, and view cash management data consisting of prior day balance and transaction totals.

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In the Cash Manager tab, click Reporting then click Position . 1. Click the “Cash Management data” link. The report will download to your computer.

Commercial: Reports Overview

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Activity Report By creating an Activity Report, you can see all the ACH transactions within a specific account.

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In the Cash Manager tab, click Reporting then click Activity . 1. Select an account or accounts. 2. (Optional) Select a date range. 3. (Optional) Use the drop-down to select a transaction type.

4. (Optional) Enter beginning and ending amounts. 5. (Optional) Enter a start and end check number. 6. (Optional) Check the box to display subtotals per account. 7. (Optional) Check the box and enter a report name to save report criteria. 8. Click the Submit button to display your report.

Commercial: Reports Overview

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Summary Report This report delivers a summary of activity.

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In the Cash Manager tab, click Reporting then click Summary . 1. Select an account or accounts. 2. (Optional) Select a date range. 3. (Optional) Check the box and enter a report name to save report criteria. 4. Click the Submit button to display your report.

Commercial: Reports Overview

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Positive Pay Report This report filters processed checks by their status and exception reason.

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In the Cash Manager tab, click Reporting then click Positive Pay . 1. Use the drop-down to select a report type. 2. Enter the report criteria. This information will vary depending upon the report type selected. 3. (Optional) Check the box and enter a report name to save report criteria. 4. Click the Submit button to display your report.

Commercial: Reports Overview

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Saved Reports View, run, rename and delete your saved reports.

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In the Cash Manager tab, click Reporting then click Saved . A. Click the “Run Report” link to run a saved report. B. Click the “Rename” link to rename a saved report. C. Click the “Delete” link to delete a saved report.

Commercial: Reports Overview

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Positive Pay

Introduction

Positive Pay is a business feature that helps minimize or eliminate check fraud, prevent related losses and simplify your account reconciliation. ARP- Account Reconcilement Plan, is an automated service that organizes check and ACH information – both paid and outstanding allowing you to reconcile accounts in an efficient, and expedient manner. aka Positive Pay. The Positive Pay system electronically compares daily business-issued checks with existing check records. When a check is filed and does not match the provided record, it is flagged as an exception and referred back to you for a payment decision.

Positive Pay: Introduction

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Positive Pay Add/Edit Upload Format

From this page, you can establish or modify the ARP file layout format to be used for uploading ARP items. ARP Positive Pay supports both Delimited and Fixed Position upload files. Delimited, is a CSV file created within Excel ® . The information is located within specific columns. Fixed Position, file is created within Notepad. The information is located within a specific position of the line.

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In the Cash Manager tab, click ARP then click Edit Upload Format . 1. Use the drop-down to select an upload format to add/edit. 2. Use the drop-down to select a format to add/edit. 3. Add/Edit the positive pay upload format and click the Save button. The fields

Positive Pay: Add/Edit Upload Format will vary based upon which upload format you are editing.

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Positive Pay Upload

Once you have created your format, you will need to build your Check Issue Report within Excel ® or Notepad depending on the format you selected. It is important that your report is built exactly as you have defined your format within Online Banking. Your Check Issue Report needs to include all paid check information from your accounts payable department.

Note : If you are consistently having trouble uploading your file, try the “Open Input” method.

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In the Cash Manager tab, click ARP , then click Upload . 1. Use the drop-down to select an account to upload the file for. 2. Use the drop-down to select a file type. 3. For saved files: a. Click the Choose File button to select a file to upload. b. Click the Upload button.

Positive Pay: Upload

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4. For manual entry: a. Enter information for each check you wish to upload. b. Click the Upload button.

Positive Pay: Upload

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5. For open input: a. Open the file you wish to upload in a text editor program such as Notepad or TextEdit. Select the entire contents of the file. Copy the file using the appropriate method for your computer for Windows, Command-C for Mac.) Paste the contents of the file in the entry field below (for Windows, Command-V for Mac.) b. Click the Upload button. 6. Once you have uploaded your file, select the File Status tab and click View Details. 7. Click the Approve button to finalize your Check Issue Report.

Positive Pay: Upload

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Positive Pay Positive Pay Exceptions

Exception Checks, are checks presented for payment, drawn on the Authorized Account which does not match a check included in the Check Issue Report. Once you decision your exception items, the checks will remain visible under the ARPPosPay menu. You can go back and make changes to your exception items prior to the 11:00 am CST cutoff time. After the cutoff, the items will be locked and no additional changes can be made.

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In the Cash Manager tab, click ARP, then click ARPPosPay . 1. Select pay or return for each of the items listed. 2. Once all items have been reviewed and marked, click the Submit button.

Note : All ARP Exception items, for both check and ACH need to be reviewed and marked to pay or return by 11:00 am CST. Items that are not marked will be paid through the designated account.

Positive Pay: Positive Pay Exceptions

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Positive Pay Download

This page displays downloaded ARP files for a specific account and allows you to download or view the contents of the ARP file.

In the Cash Manager tab, click ARP, then click Download . 1. Use the drop-down to select an account. 2. Click the Download button next to the file you wish to download. 3. Click the Open button to open the file in Notepad. 4. Click the Save button to save the file.

Positive Pay: Download

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My Profile Personal Information

From this page, you can view or modify your email address, as well as your Online Banking login information.

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In the Cash Manager tab, click Settings then click Personal . 1. (Optional) Make any necessary changes to your personal settings.

My Profile: Personal Information

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2. (Optional) Make any necessary changes to your login information. 3. Click the Submit button when you are finished.

My Profile: Personal Information

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My Profile Account Settings

From this page, you can select an account type and modify the current pseudo name for each account. Adjust the display order of the accounts as they will appear on the Account Listing page by clicking and dragging the account up or down to the desired location within the account list.

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4 In the Cash Manager tab, click Settings, then click Account . 1. Use the drop-down to select an account type. 2. Use the

icons to drag and drop accounts to rearrange the display order.

3. Enter new account pseudo names. 4. Click the Submit button when you are finished.

My Profile: Account Settings

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My Profile Display Settings

This page displays existing display defaults. From this page you can modify the item and history display defaults for various pages, the number of lines to be used for transaction downloads and whether to include a confirmation screen for funds transfers.

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In the Cash Manager tab, click Settings, then click Display . 1. Select the default display amounts for various pages. 2. Click the Submit button when you are finished.

My Profile: Display Settings

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My Profile Alert Settings

Alerts Listing This page displays a list of current alerts you have selected to be received at login, via email if applicable, or both. You can add an alert, edit an existing alert or delete an alert.

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In the Cash Manager tab, click Settings, then click Alerts . 1. Click an “Edit” link to edit an alert. 2. Click a “Delete” link to delete an alert. 3. Click an “Add” link to add an alert.

My Profile: Alert Settings

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Event Alerts This page allows you to update your event alert options.

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In the Cash Manager tab, click Settings, then click Alerts and Events . 1. Check the box next to the slerts you would like to receive. 2. Click the Submit button when you are finished. 3. Review the event alert selections and click the Accept button.

My Profile: Alert Settings

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Item Alerts This page allows you to update your Item alert options.

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In the Cash Manager tab, click Settings, then click Alerts and Item . 1. Select an alert type. 2. Enter an item number. 3. Use the drop-down to select an account. 4. Click the Submit button when you are finished. 5. Click the Accept button.

My Profile: Alert Settings

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Personal Alerts This page allows you to update your Item alert options.

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In the Cash Manager tab, click Settings, then click Alerts and Personal . 1. Select an alert type. 2. Enter a date for the alert to occur.

3. Enter an alert message. 4. Click the Submit button. 5. Click the Accept button.

My Profile: Alert Settings