Hiawatha National Bank: Business Online Banking Guide

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B USINESS O NLINE B ANKING G UIDE

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 Hiawatha National Bank! Whether you are at home or at the office using a mobile phone, tablet, or laptop, we strive to make your Online Banking experience easy and convenient. By adding powerful commercial products and features, Hiawatha provides you with the complex tools your business needs to achieve its goals. Although 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 888-460-8723.

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Table of Contents Getting Started

Business Online Banking Overview ............................................................................5 Subsidiaries ............................................................................................................................ 5 Recipients................................................................................................................................ 5 Business Online Banking Transaction Types...................................................................... 6 Subsidiaries Subsidiary Overview .....................................................................................................7 Adding a Subsidiary............................................................................................................... 8 Editing a Subsidiary ......................................................................................................9 Deleting a Subsidiary..................................................................................................10 Recipients Recipient Overview .....................................................................................................11 ACH Only - Part 1 of 2: Adding a Recipient ....................................................................... 12 ACH Only - Part 2 of 2: Recipient Account Detail ............................................................. 13 ACH & Wire - Part 1 of 4: Adding a Recipient.................................................................... 14 ACH & Wire - Part 2 of 4: Beneficiary FI Detail .................................................................. 15 ACH & Wire - Part 3 of 4: Intermediary FI Detail .............................................................. 16 ACH & Wire - Part 5 of 5: Recipient Account Detail.......................................................... 17 Wires Only (Domestic) - Part 1 of 4: Adding a Recipient ................................................. 18 Wires Only (Domestic) - Part 2 of 4: Beneficiary FI Detail ............................................... 19 Wires Only (Domestic) - Part 3 of 4: Intermediary FI Detail ............................................ 20 Wires Only (Domestic) - Part 4 of 4: Recipient Account Detail ....................................... 21 Wires Only (International) - Part 1 of 4: Adding a Recipient ........................................... 22 Wires Only (International) - Part 2 of 4: Beneficiary FI Detail ......................................... 23 Wires Only (International) - Part 3 of 4: Intermediary FI Detail ...................................... 24 Wires Only (International) - Part 4 of 4: Recipient Account Detail ................................. 25 Wage Garnishment (ACH) - Part 1 of 2: Adding a Recipient............................................ 26 Child Support........................................................................................................................ 27 Third-Party Tax..................................................................................................................... 28 Wage Garnishment (ACH) - Part 2 of 2: Recipient Account Detail.................................. 29 Editing a Recipient ......................................................................................................30 Editing a Recipient’s Templates.......................................................................................... 31 Deleting a Recipient....................................................................................................32 Payments Payment Template Overview ....................................................................................33 Creating a Template ...................................................................................................34 ACH Batch ............................................................................................................................. 35

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ACH Single Payment ............................................................................................................ 38 ACH Collection...................................................................................................................... 40 Domestic Wire ...................................................................................................................... 43 International Wire................................................................................................................ 45 Payroll.................................................................................................................................... 47 Using a Template ........................................................................................................49 Editing a Template ......................................................................................................50 Deleting a Template ...................................................................................................51 Sending a Single Payment..........................................................................................52 ACH Batch ............................................................................................................................. 52 ACH Payment........................................................................................................................ 55 ACH Collection...................................................................................................................... 57 Domestic Wire ...................................................................................................................... 60 International Wire................................................................................................................ 62 Payroll.................................................................................................................................... 64 Splitting a Payment.............................................................................................................. 66 Import File....................................................................................................................67 Importing a CSV file ............................................................................................................. 67 Importing a NACHA file ....................................................................................................... 69 Viewing, Approving or Canceling a Transaction......................................................71 Single Transaction................................................................................................................ 71 Multiple Transactions.......................................................................................................... 72 Recurring Transaction Series.............................................................................................. 73 ACH NACHA Upload....................................................................................................74 ACH NACHA Upload Errors................................................................................................. 75 ACH NACHA Upload Details ............................................................................................... 76 Funds Transfer ............................................................................................................77 Positive Pay Introduction.................................................................................................................79 Managing Exceptions .................................................................................................80 Viewing Positive Pay Decisions........................................................................................... 82 Manually Add a Check Confirmation........................................................................83 Submit Issued Check File ...........................................................................................84 Introduction to Advanced Options ...........................................................................85 Quick Exception Processing.......................................................................................86 Submit Issued Check File ...........................................................................................89 Add New Issued Check File........................................................................................90 Void a Check ................................................................................................................91 Check Search ...............................................................................................................92 ACH Transaction Search.............................................................................................94

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ACH Authorization Rules Setup.................................................................................96 Manually Create an ACH Authorization Rule.................................................................... 96 Manage ACH Authorization Rules...................................................................................... 98 Payee Match Report ...................................................................................................99 Daily Checks Issued Summary ............................................................................... 100 Exception Items........................................................................................................ 101 Account Reconciliation ............................................................................................ 103 Check Reconciliation Summary.............................................................................. 104 Deposit Reconciliation Summary........................................................................... 105 Issued Check Processing Log.................................................................................. 106 File Mapping ............................................................................................................. 107

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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 subsidiaries and recipients. After setting up these key entities, you can jump right in and experience our state-of the-art system! 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 636-394-2116. 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 banks. ACH transactions are done using a batch process, and funds are generally not available until the next business day. Please call us at 888-460-8723 for a full list of wire and ACH fees or if you have any questions.

Business Online Banking Transaction Types

Type

Description

ACH Pass-Thru

Upload a NACHA-formatted file.

ACH Payment

Send a payment to one recipient.

ACH Batch

Send a payment to several recipients.

ACH Collection

Receive a payment from several recipients.

Domestic Wire

Send a wire to a recipient within the US.

Send a wire to a recipient in a different

International Wire

country.

Send payroll to several recipients. If a recipient has more than one account, you can split that payment into several accounts.

Payroll

Getting Started: Business Online Banking Overview

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Subsidiaries Subsidiary Overview

If your business is a parent company and controls additional companies or subsidiaries, you can create a separate profile for those entities. This allows you to swiftly make payments between the two companies from the parent account. After setting up subsidiaries, they are listed in the Subsidiary Management page, where you can edit and administer their information.

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In the Commercial tab, click Subsidiaries . A. The following information presents for each subsidiary: • Name • Payment type: Wire, ACH & Wire or ACH

• ACH Header • ACH Tax ID • Wire Header

B. Click the

icon next to the appropriate column to sort your subsidiaries by

name, Wire/ACH or Tax ID.

Subsidiaries: Subsidiary Overview

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Adding a Subsidiary Users with Manage Subsidiary rights can create new subsidiaries. Depending on the type of payments being made, you may be required to enter the subsidiary’s Tax ID, header or address.

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In the Commercial tab, click Subsidiaries . 1. Click the Add Subsidiary button. 2. Enter the subsidiary’s name. 3. Choose the payment type by selecting either ACH, Wire or Both. 4. Enter the required information depending on the selected payment type. • ACH : Enter an ACH header and ACH Tax ID. • ACH & Wire : Enter an ACH Header, ACH Tax ID, wire header, subsidiary’s street address, city, state and postal code. • Wire : Enter a Wire Header, subsidiary’s street address, city, state and postal code. 5. Click the Create Subsidiary button when you are finished.

Subsidiaries: Subsidiary Overview

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Subsidiaries Editing a Subsidiary

If necessary, an authorized user can make changes to subsidiaries on the Subsidiary Management page.

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In the Commercial tab, click Subsidiaries . 1. Find the subsidiary you want to edit and click the icon and select “Edit.” 2. Make the necessary changes. 3. Click the Save Subsidiary button when you are finished making changes.

Subsidiaries: Editing a Subsidiary

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Subsidiaries Deleting a Subsidiary

If you are assigned the Manage Subsidiary right, you have the ability to permanently delete a subsidiary that is no longer needed. This deletes their contact information from the Subsidiary Management page, but it does not erase the data from any existing payments.

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In the Commercial tab, click Subsidiaries . 1. Find the subsidiary you want to edit, then click the icon and select “Delete.” 2. Click the Delete Subsidiary button to permanently remove a subsidiary.

Subsidiaries: Deleting a Subsidiary

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Recipients Recipient Overview

A recipient is any person or company that receives payments from your business. For easy access on the Recipient Management page, you can set up individual profiles, so funds can be sent to or received by a recipient. After they are created, you can include them in multiple payments or templates.

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In the Commercial tab, click Recipients . A. The following information presents for each recipient: • Name • Email address • Number of accounts they have B. Click the

icon next the appropriate column to sort recipients by display

name, number of accounts, or email address. C. Click the icon to make edits to or delete a specific recipient or view payment history.

Recipients: Recipient Overview

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ACH Only - Part 1 of 2: Adding a Recipient If you are assigned the Manage Recipient right, you need to set up your recipients before you can send payments. In order to add a recipient, you need their contact and account information.

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In the Commercial tab, click Recipients . 1. Click the + Add new recipient button. 2. Enter a display name and the recipient’s email address. 3. Check the box next to “Send email notifications for template payments” to alert them when a payment is sent. 4. Select a payment type using the “Payment Type” drop-down. 5. Select the recipient’s account type using the “Account Type” drop-down. 6. Enter the recipient’s account number. 7. Enter the recipient’s ACH routing number. 8. Click the icon to edit or remove a recipient’s account information. 9. Click the button when you are finished. 10. (Optional) Click the “+Add Account” link to add a new account.

Recipients: Recipient Overview

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ACH Only - Part 2 of 2: Recipient Account Detail You need to provide a new recipient’s account information, including their financial institution (FI) and account number. Depending on the types of payments you plan on sending them, you need to specify how users are allowed to send funds to this recipient.

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1. Enter the ACH name and ID. 2. Use the drop-down to select the recipient’s country. 3. Enter the recipient’s street address. 4. Enter the recipient’s city. 5. Select the recipient’s state using the drop-down and enter the zip code. 6. Click the Save Recipient button.

Recipients: Recipient Overview

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ACH & Wire - Part 1 of 4: Adding a Recipient If you are assigned the Manage Recipient right, you need to set up your recipients before you can send payments. In order to add a recipient, you need their contact and account information.

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In the Commercial tab, click Recipients . 1. Click the + Add new recipient button. 2. Enter a display name and the recipient’s email address. 3. Check the box next to “Send email notifications for template payments” to alert them when a payment is sent. 4. Select a payment type using the “Payment Type” drop-down. 5. Select the recipient’s account type using the “Account Type” drop-down. 6. Enter the recipient’s account number. 7. Enter the recipient’s ACH routing number. 8. Click the icon to edit or remove a recipient’s account information.

Recipients: Recipient Overview

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ACH & Wire - Part 2 of 4: Beneficiary FI Detail When sending a wire, the beneficiary FI is the final bank that receives the funds. Depending on the payment type you selected in Part 1, you may need to provide beneficiary FI information.

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1. Enter the beneficiary FI’s name. 2. Enter the FI ABA number. 3. Enter its street address and city. 4. Select the state using the drop-down and enter its postal code.

Note: Incorrect beneficiary details are the main reason wire transfers are rejected. Be sure all information is correct before proceeding.

Recipients: Recipient Overview

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ACH & Wire - Part 3 of 4: Intermediary FI Detail Some FIs use an in-between third-party bank called an intermediary FI to process funds. If your beneficiary FI requires an intermediary FI, you need the FI’s wire routing number and address.

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1. Enter the intermediary FI’s name and wire routing number. 2. Enter its street address and city. 3. Select the intermediary FI’s location using the “State” drop-down and enter its postal code. 4. Click the button. 5. (Optional) Click the “+Add Account” link to add a new account.

Recipients: Recipient Overview

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ACH & Wire - Part 5 of 5: Recipient Account Detail You need to provide a new recipient’s account information, including their financial institution (FI) and account number. Depending on the types of payments you plan on sending, you need to specify how users are allowed to send funds to this recipient.

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1. Enter the wire name. 2. Enter the ACH name and ACH ID. 3. Select the recipient’s country using the drop-down, then enter their street address. 4. Enter the city and select the recipient’s state using the drop-down. 5. Enter the zip code. 6. Click the Save Recipient button.

Recipients: Recipient Overview

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Wires Only (Domestic) - Part 1 of 4: Adding a Recipient If you are assigned the Manage Recipient right, you need to set up your recipients before you can send payments. In order to add a recipient, you need their contact and account information.

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In the Commercial tab, click Recipients . 1. Click the + Add new recipient button. 2. Enter the recipient’s name and email address. 3. Check the box next to “Send email notifications for template payments” to alert them when a payment is sent. 4. Select a payment type using the “Payment Type” drop-down. 5. Select Domestic from the “Beneficiary Type” drop-down. 6. Enter the recipient’s account number. 7. Click the icon to edit or remove a recipient’s account information.

Recipients: Recipient Overview

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Wires Only (Domestic) - Part 2 of 4: Beneficiary FI Detail When sending a wire, the beneficiary FI is the final bank that receives the funds. Depending on the payment type you selected in Part 1, you may need to provide beneficiary FI information.

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1. Enter the beneficiary FI’s name. 2. Enter the FI ABA number. 3. Enter its street address and city. 4. Select the recipient’s state using the drop-down, and enter its postal code.

Note: Incorrect beneficiary details are the main reason wire transfers are rejected. Be sure all information is correct before proceeding.

Recipients: Recipient Overview

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Wires Only (Domestic) - Part 3 of 4: Intermediary FI Detail Some FIs use an in-between third-party bank called an intermediary FI to process funds. If your beneficiary FI requires an intermediary FI, you need the FI’s wire routing number and address.

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1. Enter the intermediary FI’s name and wire routing number. 2. Enter its street address and city. 3. Select the intermediary FI’s location using the “State” drop-down and enter its postal code. 4. Click the button. 5. (Optional) Click the “+Add Account” link to add a new account.

Recipients: Recipient Overview

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Wires Only (Domestic) - Part 4 of 4: Recipient Account Detail You need to provide a new recipient’s account information, including their financial institution (FI) and account number. Depending on the types of payments you plan on sending them, you need to specify how users are allowed to send funds to this recipient.

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1. Enter the wire name. 2. Select the recipient’s country using the drop-down, then enter their street address. 3. Enter the city and select the recipient’s state using the drop-down. 4. Enter the zip code. 5. Click the Save Recipient button.

Recipients: Recipient Overview

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Wires Only (International) - Part 1 of 4: Adding a Recipient If you are assigned the Manage Recipient right, you need to set up your recipients before you can send payments. In order to add a recipient, you need their contact and account information.

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In the Commercial tab, click Recipients . 1. Click the + Add new recipient button. 2. Enter the recipient’s name and email address. 3. Check the box next to “Send email notifications for template payments” to alert them when a payment is sent. 4. Select a payment type using the “Payment Type” drop-down. 5. Select International from the “Beneficiary Type” drop-down. 6. Select the recipient’s account type using the “International Account Type” drop-down. 7. (SWIFT/BIC Only) Enter the recipient’s account number. 8. Click the icon to edit or remove a recipient’s account information.

Recipients: Recipient Overview

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Wires Only (International) - Part 2 of 4: Beneficiary FI Detail When sending a wire, the beneficiary FI is the final bank that receives the funds. Depending on the payment type you selected in Part 1, you may need to provide beneficiary FI information.

IBAN

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IBAN and SWIFT/BIC

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1. Enter the beneficiary FI’s name. 2. Select the beneficiary’s country from the drop-down. 3. Depending on your international account type selection, enter either the recipient’s IBAN, SWIFT/BIC or both. 4. Enter the beneficiary’s address.

Note: Incorrect beneficiary details are the main reason wire transfers are rejected. Be sure all information is correct before proceeding.

Recipients: Recipient Overview

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Wires Only (International) - Part 3 of 4: Intermediary FI Detail Some FIs use an in-between third-party bank called an intermediary FI to process funds. If your beneficiary FI requires an intermediary FI, you need the FI’s wire routing number and address.

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1. Enter the intermediary FI’s name, country and wire routing number. 2. Enter its street address and city. 3. Select the intermediary FI’s location using the “State” drop-down and enter its postal code. 4. Click the button. 5. (Optional) Click the “+Add Account” link to add a new account.

Recipients: Recipient Overview

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Wires Only (International) - Part 4 of 4: Recipient Account Detail You need to provide a new recipient’s account information, including their financial institution (FI) and account number. Depending on the types of payments you plan on sending them, you need to specify how users are allowed to send funds to this recipient.

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1. Enter the wire name. 2. Select the recipient’s country using the drop-down. 3. Enter the recipient’s street address. 4. Enter the city and select the recipient’s state using the drop-down. 5. Enter the zip code. 6. Click the Save Recipient button.

Recipients: Recipient Overview

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Wage Garnishment (ACH) - Part 1 of 2: Adding a Recipient If you are assigned the Manage Recipient right, you need to set up your recipients before you can collect payments. In order to add a recipient, you need their contact and account information.

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In the Commercial tab, click Recipients . 1. Click the + Add new recipient button. 2. Enter a display name and the recipient’s email address. 3. Check the box next to “Send email notifications for template payments” to alert them when a payment is sent. 4. (Optional) Click the “+Add Account” link to add a new account.

Recipients: Recipient Overview

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Child Support

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1. Using the “Payment Type” drop-down, select a payment type 2. Using the “Garnishment Type” drop-down, select a garnishment type. 3. Enter the State Disbursement Unit (SDU)’s name, account number and routing number. 4. Enter a case identifier. 5. Enter the non-custodial parent’s SSN, first name (optional) and last name (optional). 6. (Optional) Enter the FIPS code. 7. (Optional) Check the box next to employment termination and/or medical support. 8. Click the icon to edit or remove a recipient’s account information. 9. Click the button when you are finished.

Recipients: Recipient Overview

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Third-Party Tax

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1. Using the “Payment Type” drop-down, select a payment type 2. Using the “Garnishment Type” drop-down, select a garnishment type. 3. Enter the State Disbursement Unit (SDU)’s name, account number and routing number.

4. Enter an originator reference ID. 5. Enter a tax payment type code.

6. Enter the taxpayer’s name and reference ID. 7. (Optional) Enter a secondary reference ID. 8. Click the icon to edit or remove a recipient’s account information. 9. Click the button when you are finished.

Recipients: Recipient Overview

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Wage Garnishment (ACH) - Part 2 of 2: Recipient Account Detail You need to provide a new recipient’s account information, including their financial institution (FI) and account number. Depending on the types of payments you plan on collecting from them, you need to specify how users are allowed to receive funds from this recipient.

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1. Enter the wire name. 2. Using the drop-down, select the recipient’s country. 3. Enter the recipient’s street address. 4. Enter the city and select the recipient’s state using the drop-down. 5. Enter the zip code. 6. Click the Save Recipient button.

Recipients: Recipient Overview

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Recipients Editing a Recipient

If a recipient’s account or personal information changes, an authorized user can make those necessary edits from the Recipient Management page.

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In the Commercial tab, click Recipients . 1. Find the recipient you want to edit and click the icon. 2. Click the icon to edit or remove a recipient’s account information. 3. Edit the recipient’s details.

Recipients: Editing a Recipient

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Editing a Recipient’s Templates When you make changes to an existing recipient, you can view and edit which templates the recipient is assigned to. While viewing their templates, you can change their accounts or edit specific templates.

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In the Commercial tab, click Recipients . 1. Review the list of templates the recipient is added to and the amount the recipient receives from each payment. 2. Click the “Access” link to edit a specific template. 3. Click the Save Recipient button when you are finished making changes.

Note: For additional information about editing a recipient’s assigned templates, go to page 31.

Recipients: Editing a Recipient

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Recipients Deleting a Recipient

If you are assigned the Manage Recipient right, you have the ability to permanently delete a recipient that is no longer needed. This deletes their contact information from the Recipient Management page, but it does not erase the data from any existing payments.

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In the Commercial tab, click Recipients . 1. Click the icon and select “Delete” to remove a recipient. 2. Click the Delete Recipient button to permanently delete a recipient.

Recipients: Deleting a Recipient

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Payments Payment Template Overview

If you have frequent repeating payments such as payroll or wires, you can set up a template so each transaction is fast and simple. These templates automate your routine transactions by making a payment model with detailed directions established by an authorized user. It’s a best practice to use a template for recurring payments.

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In the Commercial tab, click Payments . A. You can find specific templates by using the search bar or filter your templates using the provided filters. B. Click the transaction type, recipient, last paid date and last paid amount. C. Templates can be saved to your favorites by clicking the icon. D. Click the icon to make a payment, edit, copy or delete a template.

icon next to the appropriate column to sort templates by name,

Payments: Payment Template Overview

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Payments Creating a Template

If you are assigned Draft rights, 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 a best practice to use a template for recurring payments.

Payments: Creating a Template

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ACH Batch Depending on your user rights, you can create a template for an ACH Batch. ACH Batch allows you to send multiple ACH payments. Creating a template helps reduce mistakes and keeps payments consistent.

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In the Commercial tab, click Payments Hub . 1. Select a template type using the New Template button and choose “ACH Batch.” 2. If you need to change your payment type, click the “Change Type” link. 3. If you are adding more than one recipient, you can upload a Comma Separated Values (CSV) document by clicking the “Import Amounts” link. This option only appears when more than one recipient is selected. 4. Enter the template name. 5. Select the users that have access to the template by clicking the link.

Payments: Creating a Template

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6. Select an SEC code using the drop-down. For the SEC code, select either Individual (PPD) or Company (CCD).

Note: PPD is primarily used for payments and deposits involving consumer accounts, such as direct deposit of payroll or recurring payments like utility bills. CCD is used for transactions involving corporate or business accounts, such as vendor payments or cash concentration between business accounts.

7. Select the From Subsidiary account, if required. 8. Select an account.

Payments: Creating a Template

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9. (Optional) Click the + Add multiple recipients button to add several recipients at once. 10. Use the search bar to locate a specific recipient. 11. Select a recipient. 12. Enter an amount. 13. Click the icon to copy, remove or expand a row on a specific recipient. 14. Click the “Show Details” link to view recipient information. 15. (Optional) Enter an addendum. 16. You can add another recipient by clicking the “+ Add another recipient” link. 17. Click the Save button.

Payments: Creating a Template

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ACH Single Payment Depending on your user rights, you can create a template for an ACH Single Payment. An ACH Single Payment allows you to send a payment to a single recipient. Creating a template helps reduce mistakes and keeps payments consistent.

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In the Transactions tab, click Payments . 1. Select a template type using the New Template button and choose “ACH Single Payment.” 2. If you need to change your payment type, click the “Change Type” link. 3. Enter the template name. 4. Select the users that have access to the template by clicking the link. 5. Select an SEC code using the drop-down. For the SEC code, select either Individual (PPD) or Company (CCD). Note: PPD is primarily used for payments and deposits involving consumer accounts, such as direct deposit of payroll or recurring payments like utility bills. CCD is used for transactions involving corporate or business accounts, such as vendor payments or cash concentration between business accounts.

6. Enter the Company Entry Description. 7. Select the From Subsidiary account, if required. 8. Select an account.

Payments: Creating a Template

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9. Select a recipient. 10. Enter an amount. 11. Click the icon to expand, view details or notify a specific recipient. 12. Click the “Show Details” link to view recipient information.

13. Enter an addendum. 14. Click the Save button.

Payments: Creating a Template

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ACH Collection Depending on your user rights, you can create a template for an ACH Collection. An ACH Collection allows you to collect multiple transactions from multiple recipients. Creating a template helps reduce mistakes and keeps payments consistent.

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In the Commercial tab, click Payments Hub . 1. Select a template type using the New Template button and choose “ACH Collection.” 2. If you need to change your payment type, click the “Change Type” link. 3. If you are adding more than one recipient, you can upload a Comma Separated Values (CSV) document by clicking the “Import Amounts” link. This option only appears when more than one recipient is selected. 4. Enter the template name. 5. Select the users that have access to the template by clicking the link.

Payments: Creating a Template

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6. Select an SEC code using the drop-down. For the SEC code, select either Individual (PPD) or Company (CCD).

Note: PPD is primarily used for payments and deposits involving consumer accounts, such as direct deposit of payroll or recurring payments like utility bills. CCD is used for transactions involving corporate or business accounts, such as vendor payments or cash concentration between business accounts.

7. Select the From Subsidiary account, if required. 8. Select an account.

Payments: Creating a Template

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9. (Optional) Click the + Add multiple recipients button to add several recipients at once. 10. Use the search bar to locate a specific recipient. 11. Select a recipient. 12. Enter an amount. 13. Click the icon to copy, remove or expand a row on a specific recipient. 14. Click the “Show Details” link to view recipient information. 15. (Optional) Enter an addendum. 16. You can add another recipient by clicking the “+ Add another recipient” link. 17. Click the Save button.

Payments: Creating a Template

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Domestic Wire You can create a template for a wire depending on your user rights. Send a domestic wire to any recipient in your country. Create a template to help reduce mistakes and keep payments consistent.

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In the Commercial tab, click Payments . 1. Select a template type using the New Template button and choose “Domestic Wire.” 2. If you need to change your payment type, click the “Change Type” link. 3. Enter the template name. 4. Select the users that have access to the template by clicking the link. 5. Select the From Subsidiary, if required. 6. Select an account.

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7. Select or create a recipient from the drop-down. 8. Enter an amount.

9. Click the icon to expand or collapse selected recipients. 10. Click the “Show Details” link to view recipient information. 11. Complete Message to Beneficiary field. 12. Click the “Optional Wire Information” link to add more information. 13. Enter a Description. 14. Click the Save button when you are finished.

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International Wire You can create a template for a wire depending on your user rights. Send an international wire to a recipient across the world. Create a template to help reduce mistakes and keep payments consistent.

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In the Commercial tab, click Payments . 1. Select a template type using the New Template button and choose “International Wire.” 2. If you need to change your payment type, click the “Change Type” link. 3. Enter the template name. 4. Select the users that have access to the template by clicking the link. 5. Select the From Subsidiary , if required. 6. Select an account.

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7. Select or create a recipient from the drop-down. 8. Select a currency type. 9. Enter an amount.

10. Click the icon to expand or collapse selected recipients. 11. Click the “Show Details” link to view recipient information. 12. Complete Message to Beneficiary field. 13. Click the “Optional Wire Information” link to add more information. 14. Enter a Description. 15. Click the Save button when you are finished.

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Payroll Create a one-time template for your employee payroll. Send payments to multiple employees and accounts. When you create a template, you can help reduce mistakes and keep payments consistent.

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In the Commercial tab, click Payments . 1. Select a template type using the New Template button and choose “Payroll.” 2. If you need to change your payment type, click the “Change Type” link. 3. If you are adding more than one recipient, you can upload a Comma Separated Values (CSV) document by clicking the “Import Amounts” link. This option only appears when more than one recipient is selected. 4. Enter the template name. 5. Select the users that have access to the template by clicking the link.

6. Select the From Subsidiary account, if required. 7. Select an account the funds will be taken from.

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8. (Optional) Click the + Add multiple recipients button to add several recipients at once. 9. Use the search bar to locate a specific recipient. 10. Click the icon to expand or collapse selected recipients. 11. Select a recipient or create a new recipient from the drop-down. 12. Enter an amount. 13. Click the icon to copy or remove a specific recipient. 14. Click the “Show Details” link to view recipient information. 15. Enter an Addendum. 16. Click the “+ Add another recipient” link to a single recipient. 17. Click the Save button when you are finished.

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Payments Using a Template

You can use any of the available templates on the Payments page. Templates are a quick way to send a recurring payments.

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In the Commercial tab, click Payments . 1. Click the icon and select “Pay or Collect.” 2. Select the effective date using the calendar feature. 3. Set up a recurrence. 4. Make any necessary changes. 5. Click the Draft or Approve button, depending on your user roles.

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Payments Editing a Template

If you have Manage Template and Recipient rights, you can edit any of the available templates on the Payments page. In the Commercial tab, click Payments .

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

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Payments Deleting a Template

An authorized user can delete an unnecessary template if they have Manage Template rights. However, once a template is deleted, previous payments using the template do not change.

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In the Commercial tab, click Payments . 1. Click the icon and select “Delete” to delete a template. 2. Click the Delete Template button to permanently delete a template.

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Payments Sending a Single Payment

It is easy to make a single payment once you set up your recipients. You can change your payment types to create ACH payments or wire transfers all from one convenient place. ACH Batch You can draft or create a new ACH Batch payment. You have the option to manually enter a recipient or you can upload multiple recipients using a Comma Separated Values (CSV) document.

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In the Commercial tab, click Payments Hub . 1. Select a payment type using the New Payment button and choose “ACH Batch.” 2. If you need to change your payment type, click the “Change Type” link. 3. If you would like to upload recipients and amounts from a file, click the “Upload From File” link. For more information about this option, go to page 67. 4. If you are adding more than one recipient, you can upload a Comma Separated Values (CSV) document by clicking the “Import Amounts” link. This option only appears when more than one recipient is selected.

Note: Effective Date: For an ACH or Wire transaction, select an Effective Date from the calendar feature. The system will not allow you to select a non-banking day as an Effective Date. Process Date: For ACH and Wire transactions, the system will determine the Process Date that the bank will process the ACH or Wire based on the Effective Date.

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6. Select the From Subsidiary account, if required. 7. Select an account. 8. Select the effective date using the calendar feature. 9. Set up a recurrence.

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10. (Optional) Click the + Add multiple recipients button to add several recipients at once. 11. Use the search bar to locate a specific recipient. 12. Select a recipient. 13. Enter an amount. 14. Click the icon to copy, remove, and expand a row on a specific recipient. 15. Check the box to notify a recipient of an incoming payment. 16. Click the “Show Details” link to view your recipient’s information. 17. Add an addendum. 18. You can add another recipient by clicking the “+ Add another recipient” link. 19. Click the Draft or Approve button, depending on your user roles.

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ACH Payment You can draft or create a new ACH Single Payment in just a few steps. ACH payments are great for maintaining frequent recurring transactions.

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In the Commercial tab, click Payments . 1. Select a template type using the New Payment button and choose “ACH Payment.” 2. If you need to change your payment type, click the “Change Type” link. 3. Select an SEC code using the drop-down. For the SEC code, select either Individual (PPD) or Company (CCD). Note: PPD is primarily used for payments and deposits involving consumer accounts, such as direct deposit of payroll or recurring payments like utility bills. CCD is used for transactions involving corporate or business accounts, such as vendor payments or cash concentration between business accounts.

4. Select the From Subsidiary, if required. 5. Select an account the funds will be taken from. 6. Select the effective date using the calendar feature. 7. Set up a recurrence.

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8. Use the search bar to locate a specific recipient. 9. Enter an amount.

10. Click the icon to expand or collapse selected recipients. 11. Check the box to notify a recipient of an incoming payment. 12. Click the “Show Details” link to view your recipient’s information. 13. Add an addendum. 14. Click the Draft or Approve button, depending on your user roles.

Payments: Sending a Single Payment