La Capitol Federal Credit Union Commercial Banking
COVER
II
Published by Murphy & Company, Inc. 13610 Barrett Office Dr
St. Louis, MO 63021 www.mcompany.com
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Getting Started
We work hard to provide our business account holders with the financial tools they need to achieve the goals in life that matter. One of those important tools is Commercial Online Banking. Our Commercial Online Banking system is designed for ease of use. Whether you access it from your desktop, tablet or smartphone, it looks and functions the same across all devices. It is full of powerful features that make it easy to keep track of your finances. We invite you to take a moment to learn more about the anytime, anywhere convenience of Commercial Online Banking with La Capitol Federal Credit Union.
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Table of Contents Getting Started
Business Online Banking Overview.............................................................................4 Users........................................................................................................................................ 4 Recipients................................................................................................................................ 4 Business Online Banking Transaction Types ..................................................................... 5 Transaction Type Overview..........................................................................................5 Commercial Users Overview..............................................................................................................6 User Management Overview................................................................................................ 7 Adding a New User ................................................................................................................ 8 Part 1 of 6: Editing or Assigning User Rights....................................................................... 9 Part 2 of 6: Establishing Transaction Type Rights............................................................. 10 Part 3 of 6: Disabling a Transaction Type.......................................................................... 11 Part 4 of 6: Editing Approval Limits for a Transaction Type............................................ 12 Part 5 of 6: Establishing Rights to Access Features.......................................................... 13 Part 6 of 6: Establishing Rights to Access Accounts......................................................... 14 Deleting a User............................................................................................................15 Recipient Overview......................................................................................................16 Part 1 of 4: Adding a Recipient............................................................................................ 17 Part 2 of 4: Recipient Account Detail.................................................................................. 18 Part 3 of 4: Beneficiary FI Detail. ........................................................................................ 19 Part 4 of 4: Intermediary FI Detail...................................................................................... 20 Editing a Recipient.......................................................................................................21 Editing a Recipient’s Templates.......................................................................................... 23 Deleting a Recipient....................................................................................................24 Payment Template Overview.....................................................................................25 Creating a New Payment or Template......................................................................26 Part 1 of 6: Selecting A Transaction Type.......................................................................... 26 Part 2 of 6: Info & Users...................................................................................................... 27 Part 3.1 of 6: Single-Recipient & Amount.......................................................................... 28 Part 3.2 of 6: Multiple-Recipients & Amounts .................................................................. 32 Part 4 of 6: Import a File into a Template ......................................................................... 35 Part 5 of 6: Account.............................................................................................................. 36 Part 6 of 6: Review & Submit............................................................................................... 37 Viewing, Approving or Canceling a Transaction......................................................39 Single Transaction................................................................................................................ 39 Multiple Transactions.......................................................................................................... 40
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Editing or Using a Template.......................................................................................41 Deleting a Template....................................................................................................42 Payment From File......................................................................................................43 Tax Payment................................................................................................................45 Mobile Authorizations. ...............................................................................................47
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Getting Started
Business Online Banking Overview
Whether you’re an enterprise, large corporation or small organization, our flexible Business Online Banking can efficiently serve you. Depending on your size, the first steps in banking online are setting up your users and recipients. After setting up these key entities, you can jump right in and experience our state-of-the-art system! Users If your business only needs one person with access to Business Online Banking, you can set up a single username and password. This is typical for small companies who primarily use basic Online Banking tools with occasional business transactions. For larger organizations, our system lets you establish multiple usernames and passwords for authorized employees. After setting up a company policy with a credit union representative, you can organize which employees get access to different features within Business Online Banking by establishing user rights. 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 created recipient is saved so you can quickly and easily make future payments.
Getting Started: Business Online Banking Overview
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Getting Started
Various types of payment methods are offered through Business Online Banking, including wire and ACH transfers. Both are quick electronic payments, however, ACH transactions are done using a batch process. Please call us at 1.800.522.2748 for a full list of wire and ACH fees or if you have any questions. Transaction Type Overview
Business Online Banking Transaction Types
Type
Description
Upload a NACHA-formatted file.
ACH Pass-Thru
ACH Payment
Send a payment to one recipient.
ACH Batch
Send a payment to several recipients.
ACH Receipt
Receive a payment from one recipient.
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 country.
International Wire
Send payroll to several recipients. If a recipient has more than one account, you can split that payment into several accounts.
Payroll
Send federal, state or local tax authority payments.
Tax Payment
Getting Started: Transaction Type Overview
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Commercial Users Overview
Depending on your number of employees, owners and company policies, Business Online Banking lets you set up multiple users with different responsibilities. After establishing a company policy with your accountant or financial advisor, new users can be created with their own unique usernames and passwords. Each user is assigned a set of user rights that permits or prevents them from performing certain actions such as: • Sending or drafting payments and creating templates for certain transaction types. • The number of approvals that can be completed in a day or the dollar amount in a specific transaction. • Accessing specific accounts. • Managing recipients, users and templates. Authorized users can set up the features, accounts and rights each user needs to do their job. Establishing these rights gives users permission to perform specific tasks, helping you manage your business and making it run as smoothly as possible.
Commercial: Users Overview
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User Management Overview The User Management page lets you view all your existing users and their contact information in one easy place. From here, you can create users, edit rights and oversee your employees on a day-to-day basis. 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 K L M N O P Q R S T U V W X Y Z A B C D E F G H I List View
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In the Commercial/Wires menu, click User Management . A. This page is available in two views: List or Grid. Toggle between them to find your preference. B. The following information presents for each user: • Name • Email address • Last login time C. You can sort your users, if necessary. There are a few options depending on if you are in List or Grid view. 1. In List view, you can sort users in alphabetical or reverse alphabetical order by clicking the icon next to the Users column. 2. If you are using Grid view, you can sort users in alphabetical or reverse alphabetical order by clicking the “Sort by” Link. 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
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Commercial: Users Overview
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Adding a New User An authorized user with Manage Users rights can set up a new user by first creating a profile and a unique username and password. Once you establish a user and their login credentials, you can begin assigning user rights by accessing their User Policy.
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In the Commercial/Wires menu, click User Management . 1. Click the Add User button in the top right corner. 2. Enter the user’s first and last name and email address. 3. Select the user’s country using the “Phone Country” drop-down and enter their phone number. 4. Create a unique login ID for the new user. 5. Enter a password following our guidelines and confirm it in the provided space. 6. Click the Save button when you are finished. 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 10a 1a 2a 3a 4a 5a 6a 7a 8a 9a 10b 1b 2b 3b 4b 5b 6b 7b 8b 9b 0c 1c 2c 3c 4c 5c 6c 7c 8c 9c 0d 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 K L M N O P Q R S T 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 10a 1a 2a 3a 4a 5a 6a 7a 8a 9a 10b 1b 2b 3b 4b 5b 6b 7b 8b 9b 0c 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 K L M N O P Q R S T 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 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 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 12a 13a 14a 15a 16a 17a 18a 19a 20a 12b 13b 14b 15b 16b 17b 18b 19b 20b 2d 3d 4d 5d 6d 7d 8d 9d J L M N O P Q R S T V W X Y Z B C D E F G H I B1 C1 D1 E1 F1 G1 H1 I1 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 J2 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 K L M N O P Q R S T 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 3 4 5 6 7 8 9
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Commercial: Users Overview
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Part 1 of 6: Editing or Assigning User Rights After creating a user, you can locate their profile on the User Management page to further edit or assign their rights. Each step is critical when establishing user rights, but once complete, you can remain confident in your user’s abilities and which actions they have access to.
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In the Commercial/Wires menu, click User Management . 1. Click the icon to edit a specific user. 2. Click the Assign Rights button. J2 A2 B2 C2 D2 E2 F2 G2 H2 I2 J3 A3 B3 C3 D3 E3 F3 G3 H3 I3
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Commercial: Users Overview
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Part 2 of 6: Establishing Transaction Type Rights You start assigning or editing a user’s rights in the Overview v, which helps you decide which responsibilities and limitations a user should have regarding certain transactions. Here, you can change a user’s approval limits and decide which transaction types they can view, draft, approve or cancel.
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1. Choose a type of transaction to assign rights for under the Transaction Type column. 2. Choose whether a user can draft, approve, cancel or view a specific transaction by clicking the icons under each column. The icon allows the user to perform the listed action, while the icon disables their rights. • Draft : Create a transaction or template that needs approval from an authorized user. • Approve : Send or accept drafted transactions. • Cancel : Reject a drafted or unprocessed transaction. 3. Click the icon under the View column to change which transaction activity a user can view. • Can view only their activity. • Can view activity of all users. • Cannot view activity of any user. 10a 1a 2a 3a 4a 5 6a 7a 8 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 K L M N O P Q R S T 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
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Note : Users must have the
icon enabled to approve
transactions.
Commercial: Users Overview
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Part 3 of 6: Disabling a Transaction Type If a user should not have access to a certain transaction type, such as payroll or international wires, an authorized user can disable those rights for individual users.
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1. Select the transaction type to disable in the Overview tab. 2. Toggle the switch to “Disabled” for that specific transaction. 3. Click the Save button when you are finished making changes.
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Commercial: Users Overview
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Part 4 of 6: Editing Approval Limits for a Transaction Type To give you peace of mind, a user’s approval limits can be adjusted, so you never have to worry about the amount or number of transactions they make. You can set these restrictions for a daily and monthly bases as well as per account.
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1. Select a transaction type in the Overview tab to edit a user’s approval limits. 2. Click the Approval Limits tab. 3. Click the icon to edit the maximum amounts a user can approve or draft and the maximum number of transactions a user can perform. Enter the amount or count using the keypad. 4. Click the Save button when you are finished making changes. A3 B3 C3 D3 E3 F3 G3 H3 I3 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 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 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 J2 A2 B2 C2 D2 E2 F2 G2 H2 I2 J3 J3
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Commercial: Users Overview
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Part 5 of 6: Establishing Rights to Access Features When assigning user rights, the Features tab lets you control who can edit templates or manage users or recipients. Depending on their User Policy or job roles, some users may have different responsibilities than others.
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1. Click the Features tab. 2. Enable a feature by clicking on a specific right. Dark boxes with a check mark indicate that the feature is active. 3. Disable a feature by clicking on it to make the box white. This indicates that the feature is inactive. 4. Click Save when you are finished making changes. 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 J2 A2 B2 C2 D2 E2 F2 G2 H2 I2 J3 A3 B3 C3 D3 E3 F3 G3 H3 I3 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 1d 2d 3d 4d 5d 6d 7d 8d 9d J K L M N O P Q R S T U V W X Y Z A B C D E F G H I 1a 2a 3a 4a 5a 1b 2b 3b 4b 5b 1c 2c 3c 4c 5c 11a 12a 13a 14a 15a 1d 2d 3d 4d 5d 11a 12a 13a 14a 15a 16a 17a 18a 19a 20a 11b 12b 13b 14b 15b 16b 17b 18b 19b 20b J1 J2 J3
11a 12a 13a 14a 15a 16a 17a 18a 19a 20a
11b 12b 13b 14b 15b
Note : If Manage Users is assigned to a user, they can change their own rights. Be sure to limit which users have this feature.
A1 B1 C1 D1 E1 A2 B2 C2 D2 E2 A3 B3 C3 D3 E3
11b 12b 13b 14b 15b 16b 17b 18b 19b 20b
A1 B1 C1 D1 E1 F1 G1 H1 I1
J1
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A2 B2 C2 D2 E2 F2 G2 H2 I2
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A3 B3 C3 D3 E3 F3 G3 H3 I3
Commercial: Users Overview
14
Part 6 of 6: Establishing Rights to Access Accounts The Accounts tab lets you decide which users have access to perform specific tasks within an account, including viewing the account and transaction histories and making deposits or withdrawals.
11 12 13 14 15 16 17 18 1 21 22 23 24 25 26 27 28 2 1 2 3 4 5 6 7 8 9 K L M N O P Q R U V W X Y Z A B C D E F G H I 1 2 3 4 5 6 7 1 2 3 4 5 6 7 1 2 3 4 5 6 7 8 1 2 3 4 5 6 7 8 1 2 3 4 5 6 7 8 1 2 3 4 5 6 7c 8 K L M N O P Q U V W X Y Z A B C D E F G 1a 2a 3a 4a 5a 6a 7a 8a 9 1b 2b 3b 4b 5b 6b 7b 8b 9 1c 2c 3c 4c 5c 6c 7c 8c 9 1d 2d 3d 4d 5d 6d 7d 8d 1 2 3 4 5 6 7 8
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 K L M N O P Q R S T 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
11a 12a 13a 14a 15a 16a 17a 18a 1 1 2 3 4 15a 16a 7
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A1 B1 C1 D1 E1 F1 G1 H1 I A2 B2 C2 D2 E2 F2 G2 H2 I A3 B3 C3 D3 E3 F3 G3 H3 I A B C D E F G A B C D E F G H A B C D E F G H
1. Click the Accounts tab. 2. Edit a user’s ability to view, deposit or withdraw in a specific account. • User right is active. • User right is disabled. • User right is locked and cannot be edited. 3. Click the Save button when you are finished making changes. 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
Commercial: Users Overview
15
Commercial
If you are assigned the Manage Users right, you have the ability to permanently delete a user that is no longer needed. This deletes their contact information from the User Management page and deactivates their Business Online Banking login ID, but it will not erase the data from an existing payment using that person. Deleting a User
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 K L M N O P Q R S T 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
J1 K L M N O P Q R U V W X Y Z A B C D E F G H J3 1a 2a 3a 4a 5a 6a 7a 8a 1b 2b 3b 4b 5b 6b 7b 8b 1c 2c 3c 4c 5c 6c 7c 8c 11 12 13 14 15 16 17 18 1 21 22 23 24 25 26 27 28 1 2 3 4 5 6 7 8 J2
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
A2 B2 C2 D2 E2 F2 G2 H2 I2
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 K L M N O P Q R S T 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
A3 B3 C3 D3 E3 F3 G3 H3 I3
In the Commercial/Wires menu, click User Management . 1. Find the user you want to remove and click the icon. 2. Click the Delete button. 3. Click the Confirm button to permanently remove a user.
1d 2d 3d 4d 5d 6d 7d 8d
11a 12a 13a 14a 15a 16a 17a 18a
11b 12b 13b 14b 15b 16b 17b 18b 1
Commercial: Deleting a User A1 B1 C1 D1 E1 F1 G1 H1 A2 B2 C2 D2 E2 F2 G2 H2 A3 B3 C3 D3 E3 F3 G3 H3
16
Commercial 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 K L M N O P Q R S T U V W X Y Z A B C D E F G H I
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. Recipient Overview 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 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 K L M N O P Q R S T U V W X Y Z A B C D E F G H I List View 11a 12a 13a 14a 15a 16a 17a 18a 19a 20a
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 11 12 13 14 15 16 17 1 2 22 23 24 25 26 27 2 1 2 3 4 5 6 7 11 12 13 14 15 16 17 1 21 22 23 24 25 26 27 2 1 2 3 4 5 6 7 a a a a a a a 1b 2b 3b 4b 5b 6b 7b 1c 2c 3c 4c 5c 6c 7c K L M N O P Q U V W X Y Z A B C D E F G 1a 2a 3a 4a 5a 6a 7a 8a 1b 2b 3b 4b 5b 6b 7b 8b 1c 2c 3c 4c 5c 6c 7c 8c J1 1a 2a 3a 4a 5a 6a 7a 1b 2b 3b 4b 5b 6b 7b 1c 2c 3c 4c 5c 6c 7c K L M N O P Q U V W X Y Z A B C D E F G 11a 12a 13a 14a 15a 16a 17a 1 11b 12b 13b 14b 15b 16b 17b 1 d 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 11a 12a 13a 14a 15a 16a 17a 18a 11b 12b 13b 14b 15b 16b 17b 18b 1d 2d 3d 4d 5d 6d 7d 8d J2 J3
11b 12b 13b 14b 15b 16b 17b 18b 19b 20b
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 J2 J3
A1 B1 C1 D1 E1 F1 G1 H1 I1
A2 B2 C2 D2 E2 F2 G2 H2 I2
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Grid View
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 K L M N O P Q R S T U V W X Y Z A B C D E F G H I
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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
In the Commercial/Wires menu, click Recipients . A. This page is available in two views: List or Grid. Toggle between them to find your preference. B. The following information presents for each recipient: • Name • Number of accounts the they have • Email address C. You can sort your recipients, if necessary. There are a few options depending on if you are in List of Grid view. 1. In List view, you can sort your recipients by display name, number of accounts or e-mail address by clicking the icon next to the specific column. 2. If you are using Grid view, you can sort your recipients in alphabetical or reverse alphabetical order by clicking the “Sort by” link. 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 A1 B1 C1 D1 E1 F1 G1 A2 B2 C2 D2 E2 F2 G2 A3 B3 C3 D3 E3 F3 G3 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 11b 12b 13b 14b 15b 16b 17b 1 d 2d 3d 4d 5d 6d 7d
Commercial: Recipient Overview
17
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 to have their contact and account information.
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
In the Commercial/Wires menu, click Recipients . 1. Click the Add Recipient button. 2. Enter the recipient’s name. 3. Enter an ACH and Wire Name. 4. (Optional) Enter the recipient’s email address. Check the box next to “Send E-Mail Notifications” to alert them when a payment is sent. 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 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 7a 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 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 8 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 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 8 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 K L M N O P Q R S T 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 K L M N O P Q R S T 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 K L M N O P Q R S T 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 K L M N O P Q R S T 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 J K L M N O P Q R S T U V W X Y Z A B C D E F G H I J K L M N O P Q R S T 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 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 10 11 12 13 14 15 16 17 18 19 20 21 22 23 24 25 26 27 28 29 30 1 3 4 5 6 7 8 9
1d 2d 3d 4d 5d 6d 7d 8d
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J2 10a 1 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
5. Select the recipient’s country using the “Country” drop-down. 6. Enter the recipient’s street address, city, state and zipcode. 7. Click the Next button. J3 A3 B3 C3 D3 E3 F3 G3 H3 I3 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 19a 20a 11b 12b 13b 14b 15b 16b 17b 18b 19b 20b J1 A1 B1 C1 D1 E1 F1 G1 H1 I1 J1
11a 12a 13a 14a 15a 16a 17a 18a 19a 20a
J2
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11b 12b 13b 14b 15b 16b 17b 18b 19b 20b
Commercial: Recipient Overview
A1 B1 C1 D1 E1 F1 G1 H1 I1
J1
J3
A3 B3 C3 D3 E3 F3 G3 H3 I3
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18
Part 2 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.
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 K L M N O P Q R S T U V W X Y Z A B C D E F G H I
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 1a 2a 3a 4a 5a 6a 7a 1b 2b 3b 4b 5b 6b 7b 1c 2c 3c 4c 5c 6c 7c
1. Select the Payment Types allowed: • ACH only • Wire only • ACH and Wire 2. Fill in the Account Detail information. The fields change depending on the selected Payment Type: • ACH Only and ACH and Wire : Enter the account type, account number, financial institution and ACH routing number. • Wire Only- Domestic or International (SWIFT/BIC) : Enter only the account number. 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
1d 2d 3d 4d 5d 6d 7d
11a 12a 13a 14a 15a 16a 17
11b 12b 13b 14b 15b 16b 17
A1 B1 C1 D1 E1 F1 G1 A2 B2 C2 D2 E2 F2 G2 A3 B3 C3 D3 E3 F3 G3
Note : An account number is not needed if you are using an International Bank Account Number (IBAN).
Commercial: Recipient Overview
19
11 12 13 14 1 21 22 23 24 2 1 2 3 4
Part 3 of 4: Beneficiary FI Detail When sending a wire, the beneficiary FI is the final bank that receives the funds. The beneficiary is the company or person that receives the funds. Depending on the payment type you selected in Part 1, you may need to provide beneficiary FI information.
11 12 13 14 15 21 22 23 24 25 1 2 3 4 5 K L M N O U V W X Y A B C D E 1a 2a 3a 4a 1b 2b 3b 4b 1c 2c 3c 4c 1d 2d 3d 4d A1 B1 C1 D1 A2 B2 C2 D2 A3 B3 C3 D3 1a 2a 3a 4a 5a 1b 2b 3b 4b 5b 1c 2c 3c 4c 5c 11a 12a 13a 14a 1 11b 12b 13b 14b 1 1d 2d 3d 4d 5 11a 12a 13a 14a 1 K L M N U V W X A B C D E 11b 12b 13b 14b 1 a 2a 3a 4a 5 1b 2b 3b 4b 5 1c 2c 3c 4c 5 K L M N U V W X A B C D 11 12 13 14 1 21 22 23 24 2 1 2 3 4 5
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 K L M N O P Q R S T U V W X Y Z A B C D E F G H I J K L M N O P Q R S T 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 10a 10b 10c 10d 10 11 2 3 4 5 6 7 8 9 20 21 2 3 4 5 6 7 8 9 30 1 2 3 4 5 6 7 8 9
10 1 12 13 14 15 16 17 18 19 20 1 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 1a 2 3 4 5 6 7 8 9 1b 2 3 4 5 6 7 8 9 1c 2 3 4 5 6 7 8 9
1. Enter the beneficiary FI’s name 2. Enter the appropriate number depending on what wire type you are sending a. Domestic Wire : Enter the Wire Routing number. b. International Wire : Enter the IBAN and/or SWIFT BIC. 3. Enter its street address and city. 4. Using the “State” drop-down, select the beneficiary FI’s location and enter its postal code. A1 B1 C1 D1 E1 A2 B2 C2 D2 E2 A3 B3 C3 D3 E3 J1 J2 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 J2 A2 B2 C2 D2 E2 F2 G2 H2 I2 J3 A3 B3 C3 D3 E3 F3 G3 H3 I3 A1 B1 C1 D1 E A2 B2 C2 D2 E A3 B3 C3 D3 E 11a 2 3 4 5 6a 17a 8 9 20 11b 12b 3b 14b 5 6 17b 18b 19b 20 J A1 B1 C1 D E1 F1 G1 H I1 J2 A2 B C D E F2 G2 H2 I2 J3 A3 B C D E F G H I3 11a 12a 13a 14a 15a 11b 12b 13b 14b 15b 1d 2d 3d 4d 5d 10a a 2a 3a 4a 5a 6a 7a 8a 9a 10b b 2b 3b 4b 5b 6b 7b 8b 9b 10c c 2c 3c 4c 5c 6c 7c 8c 9c 10d d 2d 3d 4d 5d 6d 7d 8d 9d 1d 2 3 4 5 6 7 8 9 1a 12a 13a 14a 15a 16a 17a 18a 19a 20a 1b 12b 13b 14b 15b 16b 17b 18b 19b 20b 1 B1 C1 D1 E1 F1 G1 H1 I1 2 B2 C2 D2 E2 F2 G2 H2 I2
J3
3 B3 C3 D3 E3 F3 G3 H3 I3
Note : Incorrect beneficiary details are the main reason wire transfers are rejected. Be sure all information is correct before proceeding.
Commercial: Recipient Overview
20
Part 4 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.
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 K L M N O P Q R S T U V W X Y Z A B C D E F G H I
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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
1. Enter the intermediary FI’s name and wire routing number. 2. Enter its street address and city. 3. Using the “State” drop-down, select the intermediary FI’s location and enter its postal code. 4. Click the Save Recipient button. J K L M N O P Q R S T 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 K L M N O P Q R S T U V W X Y Z A B C D E F G H I 1a 2a 3a 4a 1b 2b 3b 4b 1c 2c 3c 4c
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 A1 B1 C1 D1 E1 F1 G1 H1 I1 11a 12a 13a 14a 15a 16a 17a 18a 19a 20a A2 B2 C2 D2 E2 F2 G2 H2 I2 11b 12b 13b 14b 15b 16b 17b 18b 19b 20b A3 B3 C3 D3 E3 F3 G3 H3 I3 A1 B1 C1 D1 E1 F1 G1 H1 I1 J1
11a 12a 13a 14a 1d 2d 3d 4d 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
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11b 12b 13b 14b
11a 12a 13a 14a 15a 16a 17a 18a 19a 20a
J2
A1 B1 C1 D1 A2 B2 C2 D2 A3 B3 C3 D3 J1
11b 12b 13b 14b 15b 16b 17b 18b 19b 20b
J3
A1 B1 C1 D1 E1 F1 G1 H1 I1
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Commercial: Recipient Overview
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Commercial 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/Wires menu, click Recipients . 1. Find the recipient you want to edit and click the 2. Edit the recipient’s contact information. 3. Click the Account tab at the top of your screen.
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Commercial: Editing a Recipient
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4. Edit the recipient’s account information. 5. Review templates the recipient is assigned to and how much money they receive. 6. Click the Save Recipient button when you are finished making changes. 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 K L M N O P Q R S T U V W X Y Z A B C D E F G H I
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Commercial: 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/Wires menu, click Recipients . 1. Review the list of templates the recipient is added to and the amount the recipient receives from each payment. 2. Change the account the funds post to using the account drop-downs. 3. Click the “Access” link to edit a specific template. 4. Click the Save Recipient 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 1d 2d 3d 4d 5d 6d 7d 8d 9d J K L M N O P Q R S T U V W X Y Z A B C D E F G H I
11a 12a 13a 14a 15a 16a 17a 18a 19a 20a Note : For additional information about editing a template a recipient is added to go to page 27 . 11b 12b 13b 14b 15b 16b 17b 18b 19b 20b
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Commercial: Editing a Recipient
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Commercial
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 an existing payment using that entity.
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In the Commercial/Wires menu, click Recipients . 1. Click the icon. 2. Click the Delete Recipient button to permanently delete a recipient. 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
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Commercial: Deleting a Recipient
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