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A Quick Guide to Business Online Banking

Murphy Bank

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

St. Louis, MO 63021 www.mcompany.com

© 2009-2017 Murphy & Company, Inc. Microsoft, Microsoft Money, Windows and Internet Explorer are registered trademarks of Microsoft Corporation. Firefox is a registered trademark of the Mozilla Foundation. Quicken is a registered trademark of Intuit, Inc. Macintosh is a registered trademark of Apple Computer, Inc. Adobe Reader is a registered trademark of Adobe Systems, Inc. © 2012 Portions of this guide were written by Malauzai Software, Inc. Disclaimer Concepts, strategies and procedures outlined in this guide can and do change and may not be applicable to all readers. The content in this guide is not warranted to offer a particular result or benefit. Neither the author, publisher nor any other party associated with this product shall be liable for any damages arising out of the use of this guide, including but not limited to loss of profit, commercial, special, incidental or other damages. For complete product and service information, please refer to the terms, conditions and disclosures for each product and service.

Getting Started

Welcome to Business Online Banking with Murphy Bank! Whether at home or at the office, from a mobile phone, tablet or laptop, we strive to make your Online Banking experience easy and convenient. By adding powerful commercial products and features, Murph 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 only business features. You can navigate this guide by clicking a topic or feature in the Table of Contents. Each section provides an overview and steps to help you during the Online Banking process. If you have additional questions, contact us at 636-394-2116.

Table of Contents Getting Started

Business Online Banking Overview.............................................................................4 Users........................................................................................................................................ 4 Recipients................................................................................................................................ 4 Transaction Type Overview..........................................................................................5 Business Online Banking Transaction Types...................................................................... 5 Commercial Users Overview..............................................................................................................6 User Management Overview................................................................................................ 7 Adding a New User ................................................................................................................ 8 Part 1 of 3: Establishing Transaction Type Rights............................................................. 10 Part 2 of 3: Disabling a Transaction Type.......................................................................... 11 Part 3 of 3: Editing Approval Limits for a Transaction Type............................................ 12 Editing an Existing User’s Rights................................................................................13 Recipient Overview......................................................................................................14 Part 1 of 4: Adding a Recipient............................................................................................ 15 Part 2 of 4: ACH Only- Entering Information..................................................................... 17 Part 3 of 4: Wires Only- Receiving Bank Detail.................................................................. 18 Part 4 of 4: Wires Only- Intermediary Detail..................................................................... 19 Editing a Recipient.......................................................................................................21 Creating a Batch Payee List........................................................................................22 Creating a New Payment............................................................................................26 Part 1 of 7: Create a Payment............................................................................................. 26 Part 2 of 7: Make Batch Payment....................................................................................... 28 Tax Payment................................................................................................................30 Viewing, Approving or Denying a Transaction.........................................................32 Single Transaction................................................................................................................ 32 Account Reporting.......................................................................................................34 Creating a New Report. ....................................................................................................... 34 Deleting an Existing Report................................................................................................. 35

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 If your business only needs one person with access to Business Online Banking, you can set up a single login ID and password. This is typical for small companies who primarily use basic Online Banking tools with occasional business transactions. For larger organizations, our system lets you establish multiple login IDs and passwords for authorized employees. After setting up a company policy with a bank 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. system! Users

Getting Started: Business Online Banking Overview

Getting Started

Various types of payment methods are offered through Business Online Banking, including wire and ACH transfers. Though they are both quick electronic payments, wires are the fastest way to transfer money between accounts. ACH transactions are done using a batch process, and funds are generally not available until the next business day. Please call us at 636-394-2116 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 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

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

Commercial: Users Overview

User Management Overview The User Management page lets you view all your existing users in one easy place. From here, you can create users, edit rights and oversee your employees on a day-to-day basis. 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 Business Features tab, click User Admin . A. View the name of each user on the left side of your screen. B. You can use the search bar to find a particular user. 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 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

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Commercial: Users Overview

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 login ID and password. Once you establish a user and their login credentials, you can begin assigning user rights by accessing their User Policy.

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In the Business Features tab, click User Admin . 1. Click the icon. 2. 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 and 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 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

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Commercial: Users Overview

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5. Enter the user’s phone number, select a verification method from the drop- down and enter the SMS phone number. 6. Enter the user’s email address and voice number 7. Enter the user’s street address, zip code, city and state. J1 10a 4a 5a 6a 7a 8a 9a 10b 4b 5b 6b 7b 8b 9b 10c 4c 5c 6c 7c 8c 9c 10d 4d 5d 6d 7d 8d 9d J O P Q R S T Y Z E F G H I 13a 14a 15a 16a 17a 18a 19a 20a 13b 14b 15b 16b 17b 18b 19b 20b

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Commercial: Users Overview

Part 1 of 3: Establishing Transaction Type Rights You can start assigning or editing a user’s rights, which helps you decide which responsibilities and limitations a user should have regarding certain transactions. Here, you can 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. A2 B2 C2 D2 E2 F2 G2 H2 I2 J3 A3 B3 C3 D3 E3 F3 G3 H3 I3

Commercial: Users Overview

Part 2 of 3: 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. 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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Commercial: Users Overview

Part 3 of 3: 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 basis as well as per account.

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1. Click the icon to show the limits for a feature. 2. Edit the maximum amounts a user can send and the maximum number of transactions a user can perform. 3. 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 1d 2d 3d 4d 5d 6d 7d 8d 9d

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Commercial: Users Overview

Commercial

Authorized users with the Manage Users right 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 Rights

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In the Business Features tab, click User Admin . 1. Select a user to edit. 2. Make the necessary changes to the existing user. 3. 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 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 J3 A3 B3 C3 D3 E3 F3 G3 H3 I3

Note : For more details on editing user rights, visit page 10.

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Commercial

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

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In the Business Features tab, 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 11a 12a 13a 14a 15a 16a 17a 18a 19a 20a 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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Commercial: Recipient Overview

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.

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In the Business Features tab, click Business Payments . 1. Click the Add a Payee button. 2. Click the Create Payee button. 3. Choose a “transfer type” from the drop-down. 4. Select a “member reference number” from the drop-down. 5. Click the Next button. 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 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 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 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 A1 B1 C1 D1 E1 F1 G1 H1 I1 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 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 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 11a 12a 13a 14a 15a 16a 17a 18a 19a 20a 11b 12b 13b 14b 15b 16b 17b 18b 19b 20b

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6. Choose the payment type by selecting the appropriate boxes. 7. Enter the business name, email, reference number and select the consumer/ business from the drop-down. 8. Enter the account type, routing number, account number, address, zip code, city and state. 9. Click the Next button. J2 J3 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 C2 D2 E2 F2 G2 H2 I2 14b 15b 16b 17b 18b 19b 20b 10a 5a 6a 7a 8a 9a 10b 5b 6b 7b 8b 9b 10c 5c 6c 7c 8c 9c 10d 5d 6d 7d 8d 9d J3 C3 D3 E3 F3 G3 H3 I3 D1 E1 F1 G1 H1 I1 J1 D2 E2 F2 G2 H2 I2 D3 E3 F3 G3 H3 I3 15a 16a 17a 18a 19a 20a 15b 16b 17b 18b 19b 20b E1 F1 G1 H1 I1

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Commercial: Recipient Overview

Part 2 of 4: ACH Only- Entering Information When adding a payee who will only receive ACH payments, you need to provide additional information for that recipient.

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1. Enter the your ACH information. 2. Click the Next button.

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Commercial: Recipient Overview

Part 3 of 4: Wires Only- Receiving Bank Detail When sending a wire, the receiving bank is the final company or person that receives the funds. Depending on the payment type you selected in Part 1, you may need to provide receiving bank 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

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 1 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 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 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 9a 20a 11b 12b 13b 14b 15b 16b 17b 18b 9b 20b 1d 2d 3d 4d 5d 6d 7d 8d 9d J2 A2 B2 C2 D2 E2 F2 G2 H2 I2 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 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 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 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 J1 J2 11a 12a 13a 14a 15a 16a 17a 18a 19a 20a A1 B1 C1 D1 E1 F1 G1 H1 I1 11b 12b 13b 14b 15b 16b 17b 18b 19b 20b A2 B2 C2 D2 E2 F2 G2 H2 I2

1. The address fields change based on whether you are sending a domestic or international wire. a. Domestic wire : Enter the FI’s wire routing number. b. International wire : Enter the FI’s SWIFT Bank Identification Code (SWIFT BIC). 2. Enter the name of receiving bank. 3. Enter the receiving bank’s street address, city, state and postal code. 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 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 J3 A3 B3 C3 D3 E3 F3 G3 H3 I3 A1 B1 C1 D1 E1 F1 G1 H1 I1

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

Commercial: Recipient Overview

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

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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 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 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 10 11 12 13 14 15 16 17 18 19 20 2 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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1. Select the country using the “Country” drop-down. The address fields change based on the chosen country. a. Domestic wire : Enter the wire routing number. b. International wire : Enter SWIFT Bank Identification Code (SWIFT BIC). 2. Enter the name of the intermediary FI. 3. Enter the FI’s street address, city, state and postal code. 4. Click the Next button. 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 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 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 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 F G1 H1 I1 J2 A2 B2 C2 D2 E2 F2 G2 H2 I2 J3 A3 B3 C3 D3 E3 F3 G3 H3 I3 J3

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A1 B1 C1 D1 E1 F1 G A2 B2 C2 D2 E2 F2 G2 A3 B3 C3 D3 E3 F3 G

Commercial: Recipient Overview

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

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5. Review the account information. 6. Click the Submit button when you are finished.

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A1 B1 C1 D1 E1 F1 G A2 B2 C2 D2 E2 F2 G2 A3 B3 C3 D3 E3 F3 G

Commercial: Recipient Overview

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.

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 5a 1b 2b 3b 4b 5b 1c 2c 3c 4c 5c

In the Business Features tab, click Business Payments . 1. Find the recipient you want to edit, click the icon and select “Edit.” 2. Follow the steps on page 16 to edit the recipient.

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Commercial: Editing a Recipient

Commercial

Creating a Batch Payee List

Business Online Banking allows you to create a batch payee list to make quick payments to multiple people. This is especially beneficial when doing payroll since you can enter multiple amounts and recipients.

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In the Business Features tab, click Business Payments . 1. Click the Add a Payee button. 2. Click the Create Batch Payee List button.

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Commercial: Creating a Batch Payee List

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 14 15 16 17 18 19 20 24 25 26 27 28 29 30 4 5 6 7 8 9 J N O P Q R S T X Y Z D E F G H I 10 15 16 17 18 19 20 25 26 27 28 29 30 5 6 7 8 9 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 10a a 3a 4a 5a 6a 7a 8a 9a 10b b 3b 4b 5b 6b 7b 8b 9b 10c c 3c 4c 5c 6c 7c 8c 9c 10d d 3d 4d 5d 6d 7d 8d 9d 10a a 4a 5a 6a 7a 8a 9a 10b b 4b 5b 6b 7b 8b 9b c 4c 5c 6c 7c 8c 9c J O P Q R S T Y Z E F G H I a 12a 13a 14a 15a 16a 17a 18a 19a 20a b 12b 13b 14b 15b 16b 17b 18b 19b 20b a 13a 14a 15a 16a 17a 18a 19a 20a 0c 1 B1 C1 D1 E1 F1 G1 H1 I1 b 13b 14b 15b 16b 17b 18b 19b 20b 10d a 14a 15a 16a 17a 18a 19a 20a d 4d 5d 6d 7d 8d 9d 0a a 5a 6a 7a 8a 9a 10b b 5b 6b 7b 8b 9b 10c c 5c 6c 7c 8c 9c 10d d 5d 6d 7d 8d 9d 2 B2 C2 D2 E2 F2 G2 H2 I2 1 C1 D1 E1 F1 G1 H1 I1 b 14b 15b 16b 17b 18b 19b 20b J3 3 B3 C3 D3 E3 F3 G3 H3 I3 2 C2 D2 E2 F2 G2 H2 I2 1 D1 E1 F1 G1 H1 I1 J1 J2 J3 3 C3 D3 E3 F3 G3 H3 I3 2 D2 E2 F2 G2 H2 I2 4a 15a 16a 17a 18a 19a 20a J1 J2 J1

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J2 3. Enter the batch name and batch description. 4. Use the drop-down menus to select the batch type and batch reference number. 5. (Optional) Check the box if the transaction is a payroll batch. 6. Select the payment type by checking the appropriate box. 7. Click the Next button. J3

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Commercial: Creating a Batch Payee List

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8. Check the appropriate boxes to add recipients to a batch. 9. Click the Next button. 10. Enter an amount to send to each recipient. 11. Click the Next button. 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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Commercial: Creating a Batch Payee List

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10 11 12 13 14 15 16 17 18 9 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

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12. Review payment information. 13. Click the Next button. 14. Click the Close button when you are finished.

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Commercial: Creating a Batch Payee List

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Commercial

Creating a New Payment

If you are assigned Draft or Approval rights, you can use the Payments tab to send a one-time payment. Part 1 of 7: Create a Payment You can initiate payments within Business Online Banking after establishing a payee. Creating a new payment also allows you to set up recurring payments and effective dates.

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 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

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In the Business Features tab, click Business Payments . 1. Click the Initiate a Payment button. 2. Click the Create Payment 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: Creating a New Payment

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 14 15 16 17 18 19 20 24 25 26 27 28 29 30 4 5 6 7 8 9 J N O P Q R S T X Y Z 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 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 10a 4a 5a 6a 7a 8a 9a 10b 4b 5b 6b 7b 8b 9b 10c 4c 5c 6c 7c 8c 9c 10d 4d 5d 6d 7d 8d 9d 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 10 17 18 19 20 27 28 29 30 7 8 9 J Q R S T G H I 0 8 9 20 28 29 30 8 9 13a 14a 15a 16a 17a 18a 19a 20a 13b 14b 15b 16b 17b 18b 19b 20b 14a 15a 16a 17a 18a 19a 20a 10a 5a 6a 7a 8a 9a 10b 5b 6b 7b 8b 9b 10c 5c 6c 7c 8c 9c 10d 5d 6d 7d 8d 9d 0a 6a 7a 8a 9a 10b 6b 7b 8b 9b 10c 6c 7c 8c 9c 10d 6d 7d 8d 9d 10a 7a 8a 9a 10b 7b 8b 9b 10c 7c 8c 9c 10d 7d 8d 9d J R S T H I 10 19 20 29 30 9 J S T I J1 C1 D1 E1 F1 G1 H1 I1 14b 15b 16b 17b 18b 19b 20b J2 C2 D2 E2 F2 G2 H2 I2 D1 E1 F1 G1 H1 I1 J3 C3 D3 E3 F3 G3 H3 I3 D2 E2 F2 G2 H2 I2 15a 16a 17a 18a 19a 20a J1 J2 D3 E3 F3 G3 H3 I3 15b 16b 17b 18b 19b 20b E1 F1 G1 H1 I1 16a 17a 18a 19a 20a 16b 17b 18b 19b 20b 8a 9a 10b 8b 9b 10c 8c 9c 10d 8d 9d E2 F2 G2 H2 I2 17a 18a 19a 20a E3 F3 G3 H3 I3 F1 G1 H1 I1 17b 18b 19b 20b

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3. Use the drop-down menu to select a payee. 4. Select a payment method using the drop-down. 5. Use the drop-down menu and select an originating ID. 6. Enter a payment amount. 7. Enter a memo. 8. Use the drop-down menu and select credit or debit. 9. Select a date. 10. Select the frequency using the drop-down. 11. Click the Submit button. J3 J1 J2 J3 J1 J2 J3 J1 J2 J3 0a J1 J2

F2 G2 H2 I2 18a 19a 20a F3 G3 H3 I3 G1 H1 I1 18b 19b 20b 9d G2 H2 I2 19a 20a G3 H3 I3 H1 I1 19b 20b H2 I2 10a 9a 10b 9b 10c 9c 10d

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Commercial: Creating a New Payment

Part 2 of 7: Make Batch Payment If you have Draft rights, you can create a batch payment using an established batch payment list.

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In the Business Features tab, click Business Payments . 1. Click the Initiate a Payment button. 2. Click the Make Batch Payment 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: Creating a New Payment

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 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 14 15 16 17 18 19 20 24 25 26 27 28 29 30 4 5 6 7 8 9 J N O P Q R S T X Y Z 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 a 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 3b 4b 5b 6b 7b 8b 9b 10c 3c 4c 5c 6c 7c 8c 9c 10d 3d 4d 5d 6d 7d 8d 9d 10a 4a 5a 6a 7a 8a 9a 10b 4b 5b 6b 7b 8b 9b 10c 4c 5c 6c 7c 8c 9c 10d 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 a 12a 13a 14a 15a 16a 17a 18a 19a 20a J2 A2 B2 C2 D2 E2 F2 G2 H2 I2 b 12b 13b 14b 15b 16b 17b 18b 19b 20b J3 A3 B3 C3 D3 E3 F3 G3 H3 I3 1 B1 C1 D1 E1 F1 G1 H1 I1 a 13a 14a 15a 16a 17a 18a 19a 20a J1 J2 2 B2 C2 D2 E2 F2 G2 H2 I2 b 13b 14b 15b 16b 17b 18b 19b 20b a 14a 15a 16a 17a 18a 19a 20a J3 3 B3 C3 D3 E3 F3 G3 H3 I3 1 C1 D1 E1 F1 G1 H1 I1 b 14b 15b 6b 17b 18b 19b 20b J1 C2 D2 E2 F2 G2 H2 I2

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

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 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 J1 J2

3 C3 D3 E3 F3 G3 H3 I3 1 D1 E1 F1 G1 H1 I1

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3. Use the drop-down menu and select a batch. 4. To change the recipient details, click the Change Recipient Details button. a. Click the box to hold all payments in this batch. b. Click a box next to a recipient to hold individual payments. c. Click the box to prenote all recipients in the batch and verify their information. d. Click the Okay button when you are finished. 5. Use the drop-down to select an originating ID. 6. Enter a memo. 7. Click the Submit button when you are finished. 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

Commercial: Creating a New Payment

Commercial

With Business Online Banking, you can initiate a local, state or federal tax payment through the Electronic Federal Tax Payment System (EFTPS) without ever leaving your home or office. Depending on your approval rights, you can submit a payment up to thirty days in advance. Tax Payment

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

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A1 B1 C1 D1 E1 F1 G1 H1 I1

In the Business Features tab, click Business Payments . 1. Click the Initiate a Payment button. 2. Click the Create Tax Payment button. 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

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Commercial: Tax Payment

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 S U V W X Y Z A B C D E F G H I 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

3. Use the drop-down menu and select a tax type, originating ID and offset account. 4. Use the drop-down menu and select a tax period ending in month and year. 5. Enter an amount. 6. Enter a date. 7. Click the Submit button when you are finished. J1 J2 J3 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 10a 3a 4a 5a 6a 7a 8a 9a 10b 3b 4b 5b 6b 7b 8b 9b 10c 3c 4c 5c 6c 7c 8c 9c 0d 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 10a 4a 5a 6a 7a 8a 9a 10b 4b 5b 6b 7b 8b 9b 10c 4c 5c 6c 7c 8c 9c 10d 4d 5d 6d 7d 8d 9d J N O P Q R S T X Y Z D E F G H I 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 A3 B3 C3 D3 E3 F3 G3 H3 I3 J1 B1 C1 D1 E1 F1 G1 H1 I1 13a 14a 15a 16a 17a 18a 19a 20a

B2 C2 D2 E2 F2 G2 H2 I2 13b 14b 15b 16b 17b 18b 19b 20b 14a 15a 16a 17a 18a 19a 20a B3 C3 D3 E3 F3 G3 H3 I3 C1 D1 E1 F1 G1 H1 I1 14b 15b 16b 17b 18b 19b 20b J1 C2 D2 E2 F2 G2 H2 I2 D1 E1 F1 G1 H1 I1 C3 D3 E3 F3 G3 H3 I3 D2 E2 F2 G2 H2 I2 J1 J2 J2 J3

1d 2d 3d 4d 5d 6d 7d 8d 9

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

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

D3 E3 F3 G3 H3 I3

Commercial: Tax Payment

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