HFB Online Banking and Mobile App Business User Guide

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Home Federal Bank

Cash Management for Business Accounts

Published by Murphy & Company, Inc. 13610 Barrett Office Drive, Suite 206

St. Louis, MO 63021 www.mcompany.com

© 2009-2022 Murphy & Company, Inc. Macintosh is a trademark of Apple Inc., registered in the U.S. and other countries. Adobe Reader is a registered trademark of Adobe Systems, Inc. © 2012 Portions of this guide were written by Finastra.

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.

Getting Started

Welcome to Business Online Banking with Home Federal Bank! 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. From the largest business to the smallest business, our Business Online Banking will allow you to efficiently manage your finances. We offer Standard Business Online Banking which includes our basic business services as well as Enhanced Business Online Banking which includes Cash Management features.* *Note: Not all account types will qualify for Enhanced Business Online Banking. Access to Enhanced Business Banking requires officer approval. 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 (318) 841-5330.

Table of Contents Getting Started

Standard Business Online Banking.............................................................................4 High Risk Transaction Code.................................................................................................. 4 Remote Deposit Capture....................................................................................................... 4 Bill Pay..................................................................................................................................... 4 Manage Cards......................................................................................................................... 4 Enhanced Business Online Banking............................................................................5 Includes all Standard features as well as:........................................................................... 5 Positive Pay............................................................................................................................. 5 Smart Transfers...................................................................................................................... 5 Picture Pay.............................................................................................................................. 5 Business User Administrator................................................................................................ 5 Wire Transactions................................................................................................................... 6 ACH File Transactions............................................................................................................ 6 New Business Enrollment..................................................................................................... 7 Logging in After Enrollment.................................................................................................. 7 Transaction Type Overview..........................................................................................8 Business Online Banking Transaction Types...................................................................... 8 Manage Users Overview........................................................................................................ 9 Desktop. .................................................................................................................................. 9 Mobile.................................................................................................................................... 10 Adding a New User .............................................................................................................. 11 Part 1 of 4: Establishing Transaction Type Entitlements................................................. 13 Part 2 of 4: Disabling a Transaction Type.......................................................................... 14 Part 3 of 4: Editing Approval Limits for a Transaction Type............................................ 15 Part 4 of 4: Approval Rights................................................................................................. 16 Business Banking Editing an Existing User’s Entitlements.....................................................................17 Recipient Overview......................................................................................................18 Adding a Recipient............................................................................................................... 19 ACH Only - Recipient Account Detail.................................................................................. 20 ACH & Wire - Receiving Bank Detail................................................................................... 22 ACH & Wire - Receiver and Intermediary Detail....................................................................... 25 Domestic Wires Only - Receiving Bank Detail................................................................... 26 Domestic Wires Only - Receiver and Intermediary Detail............................................... 28 International Wires Only - Beneficiary Bank Detail.......................................................... 29 International Wires Only - Receiver and Intermediary Detail......................................... 31 Review.................................................................................................................................... 32

Editing a Recipient.......................................................................................................33 Deleting a Recipient....................................................................................................34 Creating a Batch Payee List........................................................................................35 Desktop. ................................................................................................................................ 37 Importing a Batch from File.......................................................................................40 Import ACH File..................................................................................................................... 40 Import Delimited File........................................................................................................... 42 Import Fixed Length File...................................................................................................... 46 Payments Creating a New Business Payment...........................................................................49 Create a Payment................................................................................................................. 49 One-time Payment............................................................................................................... 54 Create a Payment Using a Batch........................................................................................ 55 ACH Batch Upload.......................................................................................................57 Editing a Batch.............................................................................................................61 Deleting a Batch..........................................................................................................62 Pay Again......................................................................................................................63 Activity...........................................................................................................................64 Editing a Transaction........................................................................................................... 64 Deleting a Transaction......................................................................................................... 65 Viewing, Approving or Denying a Transaction.........................................................66 Desktop. ................................................................................................................................ 66 Mobile.................................................................................................................................... 68 Advanced History........................................................................................................69 Creating a New Report........................................................................................................ 69 Deleting an Existing Report................................................................................................. 70 Editing an Existing Report................................................................................................... 71 Running an Existing Report................................................................................................. 72 Download or Print a Report................................................................................................ 72

Getting Started

Standard Business Online Banking

High Risk Transaction Code The High Risk Transaction Code (HRT), will allow you to place an extra layer of security on your finances by requiring a code to be received and entered before certain actions process. An HRT can be required for Login, Transfers, Payment Initiations & Approvals, Bill Pay, and Picture Pay. HRT is automatically enabled for Login activity.

Remote Deposit Capture Complete electronic deposits to available accounts by uploading check images through either a desk top or mobile device.

Bill Pay Enables you to pay bills to external businesses. You are able to manage scheduled payments, view payment history and create new payees with ease.

Manage Cards Allows you to enable or disable debit cards that are attached to the account. Also allows you to control where the card can be used, as well as setting spending controls on the card. Although you can change card limits, the limit may not increase above the Home Federal Bank allowed limit.

Getting Started: Standard Business Online Banking

Getting Started

Enhanced Business Online Banking

Includes all Standard features as well as: Positive Pay

Allows you to guard against fraudulent check activity, such as checks paid but not issued, amount alterations, stale dated checks, payee alterations. Enables you to stop a fraudulent check before it clears the account.

Smart Transfers Supports automatic sweeps to assist you in maintaining target balances and maximization of earnings on excess funds. You will have the ability to select accounts to monitor, the balance type to monitor, the balance condition to monitor, and account to transfer to. Picture Pay Enables you to pay bills to external businesses by either manually creating a payee or by uploading a picture of a bill or invoice. An image of the invoice will attach to the transaction for future uses.

Business User Administrator The business administrator feature allows you to create, entitle, and manage additional users for the business.

Note : Each Enhanced Business Online Banking feature is a separate service within Enhanced Business Online Banking and requires account officer approval and appropriate account type for usage.

Getting Started: Enhanced Business Online Banking

Wire Transactions Allows you to initiate an electronic transfer of funds from Home Federal Bank to another financial institution. As an extra layer of security, you can require all initiated payments to be approved prior to release. ACH File Transactions Allows you to initiate a file of debit or credit transactions to be processed through the Automated Clearing House for one or multiple recipients. As an extra layer of security, you can require all initiated payments to be approved prior to release.

Note : Each Enhanced Business Online Banking feature is a separate service within Enhanced Business Online Banking and requires account officer approval and appropriate account type for usage.

Getting Started: Enhanced Business Online Banking

Getting Started

New Business Enrollment Setting up your custom online banking experience is as easy as requesting access. Requests can be made through your account officer, by visiting with branch personnel, or by contacting us at (318) 841-5330. Once the request has been made, needed features decided upon and access approved, our online team will create your business’s profile and provide all online credentials needed. Logging in After Enrollment On a desktop computer or tablet, type www.hfb.bank into your browser. On a mobile device, download our free Home Federal Bank Biz app from the Apple App Store or Google Play. Login using the Company ID, Username, and Password provided by Home Federal Bank or by the business’s online banking administrator. Note: If you lock yourself out with too many invalid login attempts, please contact Home Federal Bank at (318) 841-5330 during business hours or select the Login Assistance link for assistance.

Getting Started: Enhanced Business Online Banking

Getting Started

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 (318) 841-5330 for a full list of wire and ACH fees or if you have any questions. Business Online Banking Transaction Types Transaction Type Overview

Type

Description

Upload a NACHA-formatted file.

ACH Upload

One-Time Payment

Send a payment to one recipient.

Send/Receive

Send a payment to several recipients.

Import a list of recipients and amounts.

ACH Import

Domestic Wire

Send a wire to a recipient within the US.

Send a wire to a recipient in a different country. Create batches with sensitive information that will prevent additional ACH operators from seeing sensitive information. Send payroll to several recipients. If a recipient has more than one account, you can split that payment into several accounts.

International Wire

Payroll/ Restricted Batch

Tax Payment

Send federal tax authority payments.

Getting Started: Transaction Type Overview

Getting Started

Manage Users Overview When enabled, the Manage Users feature allows the Business Administrator to create users, edit user entitlements, and manage user credentials. The Manage Users feature allows the Business Administrator to view anyone with online access in one place.

Note : When the Manage Users feature is not enabled, user setup will be completed by Home Federal Bank.

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In the sidebar, click Manage Users . A. View the name of each user on the left side of your screen. B. Use the search bar to find a specific user. 11a 12a 13a 14a 15a 16a 17a 18a 19a 20a 11b 12b 13b 14b 15b 16b 17b 18b 19b 20b J1 A1 B1 C1 D1 E1 F1 G1 H1 I1

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Getting Started: Transaction Type Overview

Mobile The Manage Users page lets you view all your existing users in one easy place. 10 11 12 13 14 15 16 17 18 19 20 21 22 23 24 25 26 27 28 29 30 1 2 3 4 5 6 7 8 9

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In the sidebar, click Manage Users . A. View the name and email of each user. B. Use the search bar to find a specific user. C. Lock and unlock a user by clicking the

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icon.

Getting Started: Transaction Type Overview

Adding a New User A Business Administrator can set up a new user by creating a profile, unique login ID and password. Once you establish a user and their login credentials, you can begin assigning user entitlements.

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In the sidebar, click Manage Users . 1. Click the icon. 2. (Optional) Click on the image in the upper left-hand corner to add an avatar, then click the icon to upload an image. 3. Enter the user’s first name, last name and email address. 4. Create a new login ID for the user, then enter and confirm a password following our guidelines. 10a 1a 2a 3a 4a 5a 6a 7a 8a 9a 10b 1b 2b 3b 4b 5b 6b 7b 8b 9b 10c 1c 2c 3c 4c 5c 6c 7c 8c 9c 10d 11a 12a 13a 14a 15a 16a 17a 18a 19a 20a 11b 12b 13b 14b 15b 16b 17b 18b 19b 20b 1d 2d 3d 4d 5d 6d 7d 8d 9d J1 A1 B1 C1 D1 E1 F1 G1 H1 I1 J2 A2 B2 C2 D2 E2 F2 G2 H2 I2 A3 B3 C3 D3 E3 F3 G3 H3 I3 10a 1a 2a 3a 4a 5a 6a 7a 8a 9a 10b 1b 2b 3b 4b 5b 6b 7b 8b 9b 10c 1c 2c 3c 4c 5c 6c 7c 8c 9c 10d 1d 2d 3d 4d 5d 6d 7d 8d 9d J KLMNOPQRST U V W X Y Z A B C D E F G H I K L M N O P U V W X Y Z A B C D E F J3 10 11 12 13 14 15 16 17 18 19 20 21 22 23 24 25 26 27 28 29 30 1 2 3 4 5 6 7 8 9 11 12 13 14 15 16 21 22 23 24 25 26 1 2 3 4 5 6 1a 2a 3a 4a 5a 6a 1b 2b 3b 4b 5b 6b 1c 2c 3c 4c 5c 6c 1d 2d 3d 4d 5d 6d

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Getting Started: Transaction Type Overview

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5. Enter the user’s phone number. Select a verification method from the drop down, and enter the High Risk Transaction (HRT) SMS phone number.

6. Enter the user’s HRT email address and HRT voice number. 7. Enter the user’s street address, zip code, city and state. J1

J1 Note : If you choose “Phone” as your verification method, extensions are not supported.

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Getting Started: Transaction Type Overview

Part 1 of 4: Establishing Transaction Type Entitlements You can assign or edit a user’s entitlements based on which responsibilities and limitations a user has regarding certain transactions. Here, you can also change a user’s transaction limits.

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1. Choose whether a user can view a specific feature by dragging the transaction to the “+Drag Feature to View” box. 11b 12b 13b 14b 15b 16b 17b 18b 19b 20b

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Getting Started: Transaction Type Overview

Part 2 of 4: Disabling a Transaction Type If a user should not have access to a certain transaction type such as payroll or wires, an authorized user can disable those entitlements for individual users.

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1. Disable a user’s ability to view a specific transaction by dragging the feature to the “+Drag Feature to Hide” box.

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Getting Started: Transaction Type Overview

Part 3 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 dollar amount or number of transactions they make. You can set these restrictions for a daily basis, as well as per account.

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1. Click the icon to show the limits for a feature. Edit the maximum amounts a user can send and the maximum number of transactions a user can perform. The maximum number cannot be higher than the business amount. 2. Click the Save button when you are finished making changes.

Note : You must establish approval limits for single and batch ACH transactions separately.

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Getting Started: Transaction Type Overview

Part 4 of 4: Approval Rights Payments made through our ACH/Wire features offer an additional level of security by requiring transaction approval before the fund movement is processed. Those with approval rights can approve ACH/Wire transfers of those without approval rights. We offer three types of approval setups for your company and its ACH/Wire users. • Approval of other user’s ACH/Wire transfers, but not your own. • Approval of both your own ACH/Wire transfers and other’s. • Dual approval required –ACH/Wire transfer that require two users to approve it.

Once an ACH/Wire transfer has been submitted, those with approval authority will see a notification number next to the Business Approvals in the sidebar menu as well as receive a notification alert.

If payments are not approved before the effective date, they will become stale dated and need to be deleted. Once approved, the payment status will change to Approved and show on the Processed Payments page.

Getting Started: Transaction Type Overview

Business Banking

Authorized users with the Manage Users entitlement 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. Editing an Existing User’s Entitlements

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In the sidebar, click Manage Users . 1. Select a user to edit. 2. (Optional) Lock or unlock a user by clicking the Lock User/Unlock User button. 3. Make the necessary changes to the existing user. 4. Click the Save button when you are finished making changes. 10a 1a 2a 3a 4a 5a 6a 7a 8a 9a 10b 1b 2b 3b 4b 5b 6b 7b 8b 9b 10c 1c 2c 3c 4c 5c 6c 7c 8c 9c 10d 11a 12a 13a 14a 15a 16a 17a 18a 19a 20a 1d 2d 3d 4d 5d 6d 7d 8d 9d J KLMNOPQRST U V W X Y Z A B C D E F G H I

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Note : For more details on editing user entitlements, visit page 11.

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Business Banking: Editing an Existing User’s Entitlements

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Business Banking

A recipient is any person or company you can pay or collect payments from. For easy access on the Recipient Management page, you can set up individual profiles, so funds can be sent to or collected from a recipient. After they are created, you can include them in multiple payments or batches. Recipient Overview

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In the sidebar, click Business Payments . A. The following information presents for each recipient: • Name 10a 1a 2a 3a 4a 5a 6a 7a 8a 9a 10b 1b 2b 3b 4b 5b 6b 7b 8b 9b 10c 1c 2c 3c 4c 5c 6c 7c 8c 9c 10d 1d 2d 3d 4d 5d 6d 7d 8d 9d

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• Reference Number • Account Number • Account Type • Payment Methods

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Business Banking: Recipient Overview

Adding a Recipient If you are assigned the Payee Management entitlement, you will need to set up your recipients before you can send payments. In order to add a recipient, you will need to have their contact and account information.

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In the sidebar, click Business Payments . 1. Click the Add Recipients button. 2. Click the Create Recipient (Desktop) or Add Recipient (Mobile) button. 3. Select a transfer type using the drop-down. 4. Click the Next button. J1 J2

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Business Banking: Recipient Overview

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ACH Only - Recipient Account Detail When adding a payee who will only receive ACH payments, you will need to only enter minimal information.

10 11 12 13 14 15 16 17 18 19 20 21 22 23 24 25 26 27 28 29 30 1 2 3 4 5 6 7 8 9 J KLMNOPQRST U V W X Y Z A B C D E F G H I 10a 1a 2a 3a 4a 5a 6a 7a 8a 9a 10b 1b 2b 3b 4b 5b 6b 7b 8b 9b 10c 1c 2c 3c 4c 5c 6c 7c 8c 9c 10d 1d 2d 3d 4d 5d 6d 7d 8d 9d J KLMNOPQRST U V W X Y Z A B C D E F G H I J KLMNOPQRST U V W X Y Z A B C D E F G H I 10 12 13 14 15 16 17 18 19 20 22 23 24 25 26 27 28 29 30 2 3 4 5 6 7 8 9 J L M N O P Q R S T V W X Y Z B C D E F G H I 10 14 15 16 17 18 19 20 24 25 26 27 28 29 30 4 5 6 7 8 9 10 16 17 18 19 20 26 27 28 29 30 6 7 8 9 11a 12a 13a 14a 15a 16a 17a 18a 19a 20a 10a 1a 2a 3a 4a 5a 6a 7a 8a 9a 10b 1b 2b 3b 4b 5b 6b 7b 8b 9b 10c 1c 2c 3c 4c 5c 6c 7c 8c 9c 10d 1d 2d 3d 4d 5d 6d 7d 8d 9d 10a 1a 2a 3a 4a 5a 6a 7a 8a 9a 10b 1b 2b 3b 4b 5b 6b 7b 8b 9b 10c 1c 2c 3c 4c 5c 6c 7c 8c 9c 10d 1d 2d 3d 4d 5d 6d 7d 8d 9d 10a 2a 3a 4a 5a 6a 7a 8a 9a 10b 2b 3b 4b 5b 6b 7b 8b 9b 10c 2c 3c 4c 5c 6c 7c 8c 9c 10d 2d 3d 4d 5d 6d 7d 8d 9d J N O P Q R S T X Y Z D E F G H I J P Q R S T Z F G H I 11b 12b 13b 14b 15b 16b 17b 18b 19b 20b J1 A1 B1 C1 D1 E1 F1 G1 H1 I1 11a 12a 13a 14a 15a 16a 17a 18a 19a 20a J2 10 11 12 13 14 15 16 17 18 19 20 21 22 23 24 25 26 27 28 29 30 1 2 3 4 5 6 7 8 9 10 11 12 13 14 15 16 17 18 19 20 21 22 23 24 25 26 27 28 29 30 1 2 3 4 5 6 7 8 9

11 12 13 14 15 16 17 21 22 23 24 25 26 27 1 2 3 4 5 6 7 K L M N O P Q U V W X Y Z A B C D E F G 11 12 13 14 15 16 17 18 19 21 22 23 24 25 26 27 28 29 1 2 3 4 5 6 7 8 9 K L M N O P Q R S U V W X Y Z A B C D E F G H I 10 11 12 13 14 15 16 17 18 19 20 21 22 23 24 25 26 27 28 29 30 1 2 3 4 5 6 7 8 9 1a 2a 3a 4a 5a 6a 7a 1b 2b 3b 4b 5b 6b 7b 1c 2c 3c 4c 5c 6c 7c

1. Check the box next to “ACH.” 2. Select either Consumer or Business from the drop-down. Select Consumer if the recipient is an individual and Businss if the recipient is not and individual. 3. Enter the name of the person or business receiving the ACH. 4. (Optional) Enter the recipient’s email address. 5. Enter a reference number. The reference number is used to differentiate between two recipients with the same name. This field is required and can be populated with an invoice number, employee number or other details unique to the recipient. 6. Enter their account number. 7. Select an account type using the drop-down. 8. Enter their ACH routing number. 9. Click the Next button. J3 A3 B3 C3 D3 E3 F3 G3 H3 I3 J1 A1 B1 C1 D1 E1 F1 G1 H1 I1 J2 A2 B2 C2 D2 E2 F2 G2 H2 I2 J3 A3 B3 C3 D3 E3 F3 G3 H3 I3 J1 J2 J3 J1 J2 J3 10a a4a5a6a7a8a9a 10b b4b5b6b7b8b9b 10c 4c 5c 6c 7c 8c 9c 10d a 14a 15a 16a 17a 18a 19a 20a b 14b 15b 16b 17b 18b 19b 20b d4d5d6d7d8d9d J1 1D1E1 F1G1H1 I1 J2 2D2E2 F2G2H2 I2 J3 3D3E3 F3G3H3 I3 10a 6a 7a 8a 9a 10b b 6b 7b 8b 9b 10c 6c 7c 8c 9c 10d a 16a 17a 18a 19a 20a b 16b 17b 18b 19b 20b d 6d 7d 8d 9d J1 1 F1 G1 H1 I1 J2 F2 G2 H2 I2 J3 F3 G3 H3 I3 1a 2a 3a 4a 5a 6a 7a 8a 9a 1b 2b 3b 4b 5b 6b 7b 8b 9b 1c 2c 3c 4c 5c 6c 7c 8c 9c 11a 12a 13a 14a 15a 16a 17a 18a 19a 11b 12b 13b 14b 15b 16b 17b 18b 19b 1d 2d 3d 4d 5d 6d 7d 8d 9d A1 B1 C1 D1 E1 F1 G1 H1 I1 A2 B2 C2 D2 E2 F2 G2 H2 I2 A3 B3 C3 D3 E3 F3 G3 H3 I3 10a 1a 2a 3a 4a 5a 6a 7a 8a 9a 10b 1b 2b 3b 4b 5b 6b 7b 8b 9b 10c 1c 2c 3c 4c 5c 6c 7c 8c 9c 10d 11a 12a 13a 14a 15a 16a 17a 18a 19a 20a 11b 12b 13b 14b 15b 16b 17b 18b 19b 20b 1d 2d 3d 4d 5d 6d 7d 8d 9d J KLMNOPQRST U V W X Y Z A B C D E F G H I J1 A1 B1 C1 D1 E1 F1 G1 H1 I1 J2 A2 B2 C2 D2 E2 F2 G2 H2 I2 A3 B3 C3 D3 E3 F3 G3 H3 I3 A2 B2 C2 D2 E2 F2 G2 H2 I2 11b 12b 13b 14b 15b 16b 17b 18b 19b 20b 11a 12a 13a 14a 15a 16a 17a 18a 19a 20a 11b 12b 13b 14b 15b 16b 17b 18b 19b 20b a 12a 13a 14a 15a 16a 17a 18a 19a 20a A1 B1 C1 D1 E1 F1 G1 H1 I1 12b 13b 14b 15b 16b 17b 18b 19b 20b A2 B2 C2 D2 E2 F2 G2 H2 I2 1B1C1D1E1 F1G1H1 I1 A3 B3 C3 D3 E3 F3 G3 H3 I3 B2 C2 D2 E2 F2 G2 H2 I2 B3 C3 D3 E3 F3 G3 H3 I3 11a 12a 13a 14a 15a 16a 17a 11b 12b 13b 14b 15b 16b 17b 1d 2d 3d 4d 5d 6d 7d A1 B1 C1 D1 E1 F1 G1 A2 B2 C2 D2 E2 F2 G2 A3 B3 C3 D3 E3 F3 G3 J3

Business Banking: Recipient Overview

10 18 19 20 28 29 30 8 9 J R S T H I

11 12 13 21 22 23 1 2 3 K L M U V W A B C 1a 2a 3a 1b 2b 3b 1c 2c 3c

10. Enter an ACH Description. 11. Click the Next button. 12. Continue to page 30.

10a a 8a 9a 10b b 8b 9b 10c c 8c 9c 10d d 8d 9d

Note : The ACH Description is a short (10-character) description that informs the receiver of the transaction’s purpose. The receiver will be able to see this description. For example: payroll, purchase or gas bill. The value entered in this field will be used to populate the Batch Header’s Company Entry Description field in the file when initiating a single-entry transaction. This field is overwritten by the batch description if the user associates the recipient to a batch created within our system.

1d 2d 3d

7a 18a 19a 20a

11a 12a 13a

7b 18b 19b 20b

11b 12b 13b

1 H1 I1

A1 B1 C1 A2 B2 C2 A3 B3 C3

2 H2 I2

3 H3 I3

Business Banking: Recipient Overview

ACH & Wire - Receiving Bank Detail When adding a payee who will receive ACH and wire payments, you will need to provide more information for that recipient than for an ACH only recipient.

10 11 12 13 14 15 16 17 18 19 20 21 22 23 24 25 26 27 28 29 30 1 2 3 4 5 6 7 8 9 J KLMNOPQRST U V W X Y Z A B C D E F G H I

10 11 12 13 14 15 16 17 18 19 20 21 22 23 24 25 26 27 28 29 30 1 2 3 4 5 6 7 8 9

10a 1a 2a 3a 4a 5a 6a 7a 8a 9a 10b 1b 2b 3b 4b 5b 6b 7b 8b 9b 10c 1c 2c 3c 4c 5c 6c 7c 8c 9c 10d 1d 2d 3d 4d 5d 6d 7d 8d 9d J KLMNOPQRST U V W X Y Z A B C D E F G H I J KLMNOPQRST U V W X Y Z A B C D E F G H I 10 12 13 14 15 16 17 18 19 20 22 23 24 25 26 27 28 29 30 2 3 4 5 6 7 8 9 J L M N O P Q R S T V W X Y Z B C D E F G H I 10 13 14 15 16 17 18 19 20 23 24 25 26 27 28 29 30 3 4 5 6 7 8 9 J M N O P Q R S T W X Y Z C D E F G H I 10 15 16 17 18 19 20 25 26 27 28 29 30 5 6 7 8 9 10 16 17 18 19 20 26 27 28 29 30 6 7 8 9 11a 12a 13a 14a 15a 16a 17a 18a 19a 20a 10a 1a 2a 3a 4a 5a 6a 7a 8a 9a 10b 1b 2b 3b 4b 5b 6b 7b 8b 9b 10c 1c 2c 3c 4c 5c 6c 7c 8c 9c 10d 1d 2d 3d 4d 5d 6d 7d 8d 9d 10a 1a 2a 3a 4a 5a 6a 7a 8a 9a 10b 1b 2b 3b 4b 5b 6b 7b 8b 9b 10c 1c 2c 3c 4c 5c 6c 7c 8c 9c 10d 1d 2d 3d 4d 5d 6d 7d 8d 9d 10a 2a 3a 4a 5a 6a 7a 8a 9a 10b 2b 3b 4b 5b 6b 7b 8b 9b 10c 2c 3c 4c 5c 6c 7c 8c 9c 10d 2d 3d 4d 5d 6d 7d 8d 9d 10a 3a 4a 5a 6a 7a 8a 9a 10b b3b4b5b6b7b8b9b 10c 3c 4c 5c 6c 7c 8c 9c 10d d3d4d5d6d7d8d9d 10a a5a6a7a8a9a 10b b5b6b7b8b9b 10c 5c 6c 7c 8c 9c 10d d5d6d7d8d9d J O P Q R S T Y Z E F G H I J P Q R S T Z F G H I 11b 12b 13b 14b 15b 16b 17b 18b 19b 20b A1 B1 C1 D1 E1 F1 G1 H1 I1 11a 12a 13a 14a 15a 16a 17a 18a 19a 20a J2 A2 B2 C2 D2 E2 F2 G2 H2 I2 11b 12b 13b 14b 15b 16b 17b 18b 19b 20b 1. Check the boxes next to “ACH” and “Wire.” 2. Select either Consumer or Business from the drop-down. Select Consumer if the recipient is an idividual and select Business if the recipient is not an individual. 3. Enter the name of the person or business receiving the ACH. 4. (Optional) Enter a contact name. 5. (Optional) Enter the recipient’s email address. 6. Enter a reference number. The reference number is used to differentiate between two recipients with the same name. This field is required and can be populated with an invoice number, employee number or other details unique to the recipient. 7. (Optional) Enter the recipient’s phone and fax number. 8. Enter their account number. 9. Select an account type using the drop-down. J3 A3 B3 C3 D3 E3 F3 G3 H3 I3 11a 12a 13a 14a 15a 16a 17a 18a 19a 20a J1 A1 B1 C1 D1 E1 F1 G1 H1 I1 11b 12b 13b 14b 15b 16b 17b 18b 19b 20b J2 A2 B2 C2 D2 E2 F2 G2 H2 I2 a 12a 13a 14a 15a 16a 17a 18a 19a 20a J3 A3 B3 C3 D3 E3 F3 G3 H3 I3 b 12b 13b 14b 15b 16b 17b 18b 19b 20b 10 11 12 13 14 15 16 17 18 19 20 21 22 23 24 25 26 27 28 29 30 1 2 3 4 5 6 7 8 9 J1 A1 B1 C1 D1 E1 F1 G1 H1 I1 J2 A2 B2 C2 D2 E2 F2 G2 H2 I2 1B1C1D1E1 F1G1H1 I1 a 13a 14a 15a 16a 17a 18a 19a 20a 10a 6a 7a 8a 9a 10b b 6b 7b 8b 9b 10c 6c 7c 8c 9c 10d d 6d 7d 8d 9d J3 A3 B3 C3 D3 E3 F3 G3 H3 I3 B2 C2 D2 E2 F2 G2 H2 I2 b 13b 14b 15b 16b 17b 18b 19b 20b a 15a 16a 17a 18a 19a 20a J1 J2 J3 B3 C3 D3 E3 F3 G3 H3 I3 1C1D1E1 F1G1H1 I1 2C2D2E2 F2G2H2 I2 b 15b 16b 17b 18b 19b 20b J1 J2 J3 3C3D3E3 F3G3H3 I3 1E1 F1G1H1 I1 2E2 F2G2H2 I2 a 16a 17a 18a 19a 20a b 16b 17b 18b 19b 20b J1 J2 J3 3E3 F3G3H3 I3 1 F1 G1 H1 I1 J1 J2 F2 G2 H2 I2 J3 F3 G3 H3 I3

11 12 13 14 15 16 17 18 21 22 23 24 25 26 27 28 1 2 3 4 5 6 7 8

J1 10 11 12 13 14 15 16 17 18 19 20 21 22 23 24 25 26 27 28 29 30 1 2 3 4 5 6 7 8 9 J KLMNOPQRST U V W X Y Z A B C D E F G H I K L M N O P Q R U V W X Y Z A B C D E F G H 10a 1a 2a 3a 4a 5a 6a 7a 8a 9a 10b 1b 2b 3b 4b 5b 6b 7b 8b 9b 10c 1c 2c 3c 4c 5c 6c 7c 8c 9c 10d 1d 2d 3d 4d 5d 6d 7d 8d 9d 11a 12a 13a 14a 15a 16a 17a 18a 11b 12b 13b 14b 15b 16b 17b 18b A1 B1 C1 D1 E1 F1 G1 H1 A2 B2 C2 D2 E2 F2 G2 H2 A3 B3 C3 D3 E3 F3 G3 H3 11a 12a 13a 14a 15a 16a 17a 18a 19a 20a 11b 12b 13b 14b 15b 16b 17b 18b 19b 20b 1a 2a 3a 4a 5a 6a 7a 8a 1b 2b 3b 4b 5b 6b 7b 8b 1c 2c 3c 4c 5c 6c 7c 8c 1d 2d 3d 4d 5d 6d 7d 8d

A1 B1 C1 D1 E1 F1 G1 H1 I1

A2 B2 C2 D2 E2 F2 G2 H2 I2

A3 B3 C3 D3 E3 F3 G3 H3 I3

Business Banking: Recipient Overview

10 18 19 20 28 29 30 8 9 J R S T H I 10a 8a 9a 10b 8b 9b 10c 8c 9c 10d 8d 9d 18a 19a 20a 10 11 12 13 14 15 16 17 18 19 20 21 22 23 24 25 26 27 28 29 30 1 2 3 4 5 6 7 8 9 J KLMNOPQRST U V W X Y Z A B C D E F G H I 18b 19b 20b H1 I1 J2 H2 I2 J3 H3 I3 A2 B2 C2 D2 E2 F2 G2 H2 I2 11b 12b 13b 14b 15b 16b 17b 18b 19b 20b 10a 1a 2a 3a 4a 5a 6a 7a 8a 9a 10b 1b 2b 3b 4b 5b 6b 7b 8b 9b 10c 1c 2c 3c 4c 5c 6c 7c 8c 9c 10d 1d 2d 3d 4d 5d 6d 7d 8d 9d A3 B3 C3 D3 E3 F3 G3 H3 I3 J1 A1 B1 C1 D1 E1 F1 G1 H1 I1 A2 B2 C2 D2 E2 F2 G2 H2 I2 A3 B3 C3 D3 E3 F3 G3 H3 I3 11a 12a 13a 14a 15a 16a 17a 18a 19a 20a J1 10a 1a 2a 3a 4a 5a 6a 7a 8a 9a 10b 1b 2b 3b 4b 5b 6b 7b 8b 9b 10c 1c 2c 3c 4c 5c 6c 7c 8c 9c 10d 1d 2d 3d 4d 5d 6d 7d 8d 9d J KLMNOPQRST U V W X Y Z A B C D E F G H I 10 11 12 13 14 15 16 17 18 19 20 21 22 23 24 25 26 27 28 29 30 1 2 3 4 5 6 7 8 9 J KLMNOPQRST U V W X Y Z A B C D E F G H I 10 11 12 13 14 15 16 17 18 19 20 21 22 23 24 25 26 27 28 29 30 1 2 3 4 5 6 7 8 9 10a 1a 2a 3a 4a 5a 6a 7a 8a 9a 10b 1b 2b 3b 4b 5b 6b 7b 8b 9b 10c 1c 2c 3c 4c 5c 6c 7c 8c 9c 10d 1d 2d 3d 4d 5d 6d 7d 8d 9d 11a 12a 13a 14a 15a 16a 17a 18a 19a 20a 11b 12b 13b 14b 15b 16b 17b 18b 19b 20b A1 B1 C1 D1 E1 F1 G1 H1 I1 11a 12a 13a 14a 15a 16a 17a 18a 19a 20a J1 J2 J3 J2 10. Enter the recipient’s street address. 11. Enter the recipient’s ACH routing number. 12. Enter the recipient’s wire routing number. 13. Enter their bank’s street address. 14. Click the Next button. J3 J1 11b 12b 13b 14b 15b 16b 17b 18b 19b 20b A1 B1 C1 D1 E1 F1 G1 H1 I1

11 12 13 14 15 16 21 22 23 24 25 26 1 2 3 4 5 6 K L M N O P U V W X Y Z A B C D E F 1a 2a 3a 4a 5a 6a 1b 2b 3b 4b 5b 6b 1c 2c 3c 4c 5c 6c

A2 B2 C2 D2 E2 F2 G2 H2 I2

A3 B3 C3 D3 E3 F3 G3 H3 I3

1d 2d 3d 4d 5d 6d

11a 12a 13a 14a 15a 16a

11b 12b 13b 14b 15b 16b

A1 B1 C1 D1 E1 F1 A2 B2 C2 D2 E2 F2 A3 B3 C3 D3 E3 F3

Business Banking: Recipient Overview

10 13 14 15 16 17 18 19 20 23 24 25 26 27 28 29 30 3 4 5 6 7 8 9 J M N O P Q R S T W X Y Z C D E F G H I 10a 3a 4a 5a 6a 7a 8a 9a 10b 3b 4b 5b 6b 7b 8b 9b 10c 3c 4c 5c 6c 7c 8c 9c 10d d3d4d5d6d7d8d9d

11 12 13 14 15 16 17 18 21 22 23 24 25 26 27 28 1 2 3 4 5 6 7 8 K L M N O P Q R U V W X Y Z A B C D E F G H 1a 2a 3a 4a 5a 6a 7a 8a 1b 2b 3b 4b 5b 6b 7b 8b 1c 2c 3c 4c 5c 6c 7c 8c

15. Enter an ACH Description. 16. Click the Next button.

J1 Note : The ACH Description is a short (10-character) description that informs the receiver of the transaction’s purpose. The receiver will be able to see this description. For example: payroll, purchase or gas bill. The value entered in this field will be used to populate the Batch Header’s Company Entry Description field in the file when initiating a single-entry transaction. This field is overwritten by the batch description if the user associates the recipient to a batch created within our system.

a 13a 14a 15a 16a 17a 18a 19a 20a

1d 2d 3d 4d 5d 6d 7d 8d

b 13b 14b 15b 16b 17b 18b 19b 20b

11a 12a 13a 14a 15a 16a 17a 18a

1C1D1E1 F1G1H1 I1

11b 12b 13b 14b 15b 16b 17b 18b

2C2D2E2 F2G2H2 I2

A1 B1 C1 D1 E1 F1 G1 H1 A2 B2 C2 D2 E2 F2 G2 H2 A3 B3 C3 D3 E3 F3 G3 H3

3C3D3E3 F3G3H3 I3

Business Banking: Recipient Overview

ACH & Wire - Receiver and Intermediary Detail Some financial institutions use an in-between third-party bank called an intermediary to process funds. If your receiving bank requires an intermediary, you will need the financial institution’s wire routing number and address.

10 112 131415 1617 18 1920 122 2324 2526 27 28 2930 1 2 3 4 5 6 7 8 9 J KLMNOPQRST U V W X Y Z A B C D E F G H I 10 21314151617 181920 2 2324 2526 27 28 2930 2 3 4 5 6 7 8 9 J L M N O P Q R S T V W X Y Z B C D E F G H I 10 314151617 181920 324 2526 27 28 2930 3 4 5 6 7 8 9 10 11 12 13 14 15 16 17 18 19 20 21 22 23 24 25 26 27 28 29 30 1 2 3 4 5 6 7 8 9 10a 1a 2a 3a 4a 5a 6a 7a 8a 9a 10b 1b 2b 3b 4b 5b 6b 7b 8b 9b 10c 1c 2c 3c 4c 5c 6c 7c 8c 9c 10d 11a 12a 13a 14a 15a 16a 17a 18a 19a 20a 11b 12b 13b 14b 15b 16b 17b 18b 19b 20b 1d 2d 3d 4d 5d 6d 7d 8d 9d J KLMNOPQRST U V W X Y Z A B C D E F G H I J1 A1 B1 C1 D1 E1 F1 G1 H1 I1 A2 B2 C2 D2 E2 F2 G2 H2 I2 10a 1a 2a 3a 4a 5a 6a 7a 8a 9a 10b 1b 2b 3b 4b 5b 6b 7b 8b 9b 10c 1c 2c 3c 4c 5c 6c 7c 8c 9c 10d 11a 12a 13a 14a 15a 16a 17a 18a 19a 20a 11b 12b 13b 14b 15b 16b 17b 18b 19b 20b 1d 2d 3d 4d 5d 6d 7d 8d 9d J KLMNOPQRST U V W X Y Z A B C D E F G H I J1 A1 B1 C1 D1 E1 F1 G1 H1 I1 J2 A2 B2 C2 D2 E2 F2 G2 H2 I2 J3 A3 B3 C3 D3 E3 F3 G3 H3 I3 10a 1a 2a 3a 4a 5a 6a 7a 8a 9a 10b 1b 2b 3b 4b 5b 6b 7b 8b 9b 10c 1c 2c 3c 4c 5c 6c 7c 8c 9c 10d 1d 2d 3d 4d 5d 6d 7d 8d 9d 10a 2a 3a 4a 5a 6a 7a 8a 9a 10b 2b 3b 4b 5b 6b 7b 8b 9b 10c 2c 3c 4c 5c 6c 7c 8c 9c 10d 2d 3d 4d 5d 6d 7d 8d 9d J M N O P Q R S T W X Y Z C D E F G H I A3 B3 C3 D3 E3 F3 G3 H3 I3 1a 12a 13a 14a 15a 16a 17a 18a 19a 20a 1b 12b 13b 14b 15b 16b 17b 18b 19b 20b J1 A1 B1 C1 D1 E1 F1 G1 H1 I1 A2 B2 C2 D2 E2 F2 G2 H2 I2 10a 3a 4a 5a 6a 7a 8a 9a 10b 3b 4b 5b 6b 7b 8b 9b 10c 3c 4c 5c 6c 7c 8c 9c 10d 3d 4d 5d 6d 7d 8d 9d A3 B3 C3 D3 E3 F3 G3 H3 I3 2a 13a 14a 15a 16a 17a 18a 19a 20a 2b 13b 14b 15b 16b 17b 18b 19b 20b B1 C1 D1 E1 F1 G1 H1 I1 B2 C2 D2 E2 F2 G2 H2 I2 13a 14a 15a 16a 17a 18a 19a 20a B3 C3 D3 E3 F3 G3 H3 I3 3b 14b 15b 16b 17b 18b 19b 20b J2 J3 10 11 12 13 14 15 16 17 18 19 20 21 22 23 24 25 26 27 28 29 30 1 2 3 4 5 6 7 8 9

11 12 13 14 15 16 17 18 21 22 23 24 25 26 27 28 1 2 3 4 5 6 7 8 K L M N O P Q R U V W X Y Z A B C D E F G H 1a2a3a4a5a6a7a8 1b2b3b4b5b6b7b8 1c2c3c4c5c6c7c8

If you have a Reciever DI Bank and/or an Intermediary Bank, follow the steps below, if not click the Next button. 1. Check the box next to “Receiver DI Bank.” 2. Enter the receiver DI bank’s routing number and bank name. 3. Check the box next to “Intermediary Bank.” 4. Enter intermediary bank’s routing number. The bank’s name will auto-populate. 5. Enter intermediary bank’s address. J2 J3 J1 J2 J3

1d2d3d4d5d6d7d8

C1 D1 E1 F1 G1 H1 I1

11a 12a 13a 14a 15a 16a 17a 18

6. Click the Next button. 7. Continue to page 30. J2 J3

C2 D2 E2 F2 G2 H2 I2

11b 12b 13b 14b 15b 16b 17b 18

C3 D3 E3 F3 G3 H3 I3

A1B1C1D1E1 F1G1H A2B2C2D2E2 F2G2H A3B3C3D3E3 F3G3H

Business Banking: Recipient Overview

Domestic Wires Only - Receiving Bank Detail A beneficiary financial institution is the final institution to receive funds. Depending on the transfer method you selected in Part 1, you will need to provide receiving bank information.

Follow steps 1-4 on page 17. 1. Check the box next to “Wire.” 10a 1a 2a 3a 4a 5a 6a 7a 8a 9a 10b 1b 2b 3b 4b 5b 6b 7b 8b 9b 10c 1c 2c 3c 4c 5c 6c 7c 8c 9c 10d 11a 12a 13a 14a 15a 16a 17a 18a 19a 20a 11b 12b 13b 14b 15b 16b 17b 18b 19b 20b 1d 2d 3d 4d 5d 6d 7d 8d 9d J KLMNOPQRST U V W X Y Z A B C D E F G H I 10 112 131415 1617 18 1920 122 2324 2526 27 28 2930 2 3 4 5 6 7 8 9 10a a2a3a4a5a6a7a8a9a 10b b2b3b4b5b6b7b8b9b 10c c2c3c4c5c6c7c8c9c 10d 1a 12a 13a 14a 15a 16a 17a 18a 19a 20a d2d3d4d5d6d7d8d9d J KLMNOPQRST U V W X Y Z A B C D E F G H I 10 21314151617 181920 2 2324 2526 27 28 2930 3 4 5 6 7 8 9 10a a3a4a5a6a7a8a9a 10b b3b4b5b6b7b8b9b 10c c3c4c5c6c7c8c9c 10d d3d4d5d6d7d8d9d J M N O P Q R S T V W X Y Z B C D E F G H I 10 4151617 181920 4 2526 27 28 2930 5 6 7 8 9 10a a5a6a7a8a9a 10b b5b6b7b8b9b 10c c5c6c7c8c9c 10d d5d6d7d8d9d J N O P Q R S T X Y Z D E F G H I 10 16 17 18 19 20 526 27 28 2930 6 7 8 9 10a a 6a 7a 8a 9a 10b b 6b 7b 8b 9b 10c c 6c 7c 8c 9c 10d d 6d 7d 8d 9d J O P Q R S T Y Z F G H I 10a 1a 2a 3a 4a 5a 6a 7a 8a 9a 10b 1b 2b 3b 4b 5b 6b 7b 8b 9b 10c 1c 2c 3c 4c 5c 6c 7c 8c 9c 10d 11a 12a 13a 14a 15a 16a 17a 18a 19a 20a 11b 12b 13b 14b 15b 16b 17b 18b 19b 20b 1d 2d 3d 4d 5d 6d 7d 8d 9d J KLMNOPQRST U V W X Y Z A B C D E F G H I J1 A1 B1 C1 D1 E1 F1 G1 H1 I1 J2 A2 B2 C2 D2 E2 F2 G2 H2 I2 J3 A3 B3 C3 D3 E3 F3 G3 H3 I3 10 11 12 13 14 15 16 17 18 19 20 21 22 23 24 25 26 27 28 29 30 1 2 3 4 5 6 7 8 9 A1 B1 C1 D1 E1 F1 G1 H1 I1 1b 12b 13b 14b 15b 16b 17b 18b 19b 20b 2a 13a 14a 15a 16a 17a 18a 19a 20a A2 B2 C2 D2 E2 F2 G2 H2 I2 A3 B3 C3 D3 E3 F3 G3 H3 I3 2b 13b 14b 15b 16b 17b 18b 19b 20b A1 B1 C1 D1 E1 F1 G1 H1 I1 2B2C2D2E2 F2G2H2 I2 B1 C1 D1 E1 F1 G1 H1 I1 4a 15a 16a 17a 18a 19a 20a 3B3C3D3E3 F3G3H3 I3 2C2D2E2 F2G2H2 I2 4b 15b 16b 17b 18b 19b 20b 10 11 12 13 14 15 16 17 18 19 20 21 22 23 24 25 26 27 28 29 30 1 2 3 4 5 6 7 8 9

1112 131415 1617 18 1 21 22 23 24 25 26 27 28 1 2 3 4 5 6 7 8 K L M N O P Q R U V W X Y Z A B C D E F G H J1 1a 2a 3a 4a 5a 6a 7a 8a 1b 2b 3b 4b 5b 6b 7b 8b 1c 2c 3c 4c 5c 6c 7c 8c J3

11a 12a 13a 14a 15a 16a 17a 18a 19a 20a

10 11 12 13 14 15 16 17 18 19 20 21 22 23 24 25 26 27 28 29 30 1 2 3 4 5 6 7 8 9 J KLMNOPQRST U V W X Y Z A B C D E F G H I J2

11b 12b 13b 14b 15b 16b 17b 18b 19b 20b

A1 B1 C1 D1 E1 F1 G1 H1 I1

A2 B2 C2 D2 E2 F2 G2 H2 I2

A3 B3 C3 D3 E3 F3 G3 H3 I3

2. Select either Consumer or Business from the drop-down. Select Consumer if the recipient is an individual and select Business if the recipient is not an individual. 3. Enter the name of the person or business receiving the wire. 4. Enter the contact name. If you are sending the wire to a person, enter same name from step 3. 5. (Optional) Enter the recipient’s email address. 6. Enter a reference number. The reference number is used to differentiate between two recipients with the same name. This field is required and can be populated with an invoice number, employee number or other details unique to the recipient. 7. (Optional) Enter the phone number and fax number. 8. Enter the account number. J1 J2 J3 J1 J2 J3 J1 J2 J3 J1 J2 J3 A1 B1 C1 D1 E1 F1 G1 H1 A2 B2 C2 D2 E2 F2 G2 H2 A3 B3 C3 D3 E3 F3 G3 H3 J1 J2 J3 10a 1a 2a 3a 4a 5a 6a 7a 8a 9a 10b 1b 2b 3b 4b 5b 6b 7b 8b 9b 10c 1c 2c 3c 4c 5c 6c 7c 8c 9c 10d 11a 12a 13a 14a 15a 16a 17a 18a 19a 20a 11b 12b 13b 14b 15b 16b 17b 18b 19b 20b 1d 2d 3d 4d 5d 6d 7d 8d 9d J1 A1 B1 C1 D1 E1 F1 G1 H1 I1 J2 A2 B2 C2 D2 E2 F2 G2 H2 I2 J3 A3 B3 C3 D3 E3 F3 G3 H3 I3 11a 12a 13a 14a 15a 16a 17a 18a 11b 12b 13b 14b 15b 16b 17b 18b 1d 2d 3d 4d 5d 6d 7d 8d

3C3D3E3 F3G3H3 I3 D1 E1 F1 G1 H1 I1 5a 16a 17a 18a 19a 20a

D2 E2 F2 G2 H2 I2 b 16b 17b 18b 19b 20b D3 E3 F3 G3 H3 I3 1 F1 G1 H1 I1

2 F2 G2 H2 I2

3 F3 G3 H3 I3

Business Banking: Recipient Overview

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