Moody Business Online Banking User Guide

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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 Moody 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, Moody Bank provides you with the complex tools your business needs to achieve its goals. While our Business Online Banking shares similar features with our personal accounts, this guide is meant to help you through business features only. You can navigate this guide by clicking a topic or feature in the Table of Contents. Each section provides an overview and steps to help you during the Online Banking process. If you have additional questions, contact us at (855) 259-8075.

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Table of Contents Getting Started

Business Online Banking Overview.............................................................................6 Users........................................................................................................................................ 6 Recipients................................................................................................................................ 6 Verify Personal Image...................................................................................................7 Secure Token Validation...............................................................................................8 Security Questions. .......................................................................................................9 Dashboard Navigation. ...................................................................................................................11 Users Users Overview............................................................................................................12 Users Overview..................................................................................................................... 13 Adding a New User .............................................................................................................. 14 Part 1 of 3: Editing Approval Limits for a Transaction Type............................................ 16 Part 2 of 3: Establishing Transaction Type Rights............................................................. 17 Part 3 of 3: Establishing Rights to Features and Accounts.............................................. 18 Editing an Existing User’s Rights................................................................................19 Deleting a User. ...........................................................................................................20 ACH Batch List Overview.....................................................................................................21 Creating a Batch List. ..................................................................................................22 Adding Recipients to a Batch.............................................................................................. 23 Upload Batch File.........................................................................................................24 File Status.....................................................................................................................25 Editing a Batch.............................................................................................................26 Deleting a Batch. .........................................................................................................27 Initiating an ACH Template. .......................................................................................28 Tax Payment. ...............................................................................................................29 Viewing ACH Transaction History..............................................................................30 Searching ACH Transactions......................................................................................31 Wires Wires Overview............................................................................................................32 Create a New Domestic Wire.....................................................................................33 Editing a Wire...............................................................................................................35 Deleting a Wire. ...........................................................................................................36 Sending Single Wires...................................................................................................37 Sending Multiple Wires...............................................................................................39

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Dual Controls...............................................................................................................40 Activity...........................................................................................................................42 Reports Reports Overview........................................................................................................43 Prior Day Report................................................................................................................... 44 Current Day Report.............................................................................................................. 45 Position.................................................................................................................................. 46 Positive Pay Introduction. ................................................................................................................47 Items. ............................................................................................................................48 Download.....................................................................................................................49 Upload. .........................................................................................................................50 Add or Edit Upload Format. .......................................................................................51 File Status.....................................................................................................................54 Positive Pay Exceptions. .............................................................................................55 ACH Filters....................................................................................................................56 My Profile Personal Information..................................................................................................57 Account Settings..........................................................................................................59 Display Settings. ..........................................................................................................60 Alert Settings................................................................................................................61 Alerts Listing.......................................................................................................................... 61 Event Alerts........................................................................................................................... 62 Item Alerts............................................................................................................................. 63 Personal Alerts...................................................................................................................... 64 Bill Pay Home Page Overview..................................................................................................65 Add a Payee..................................................................................................................66 Company. .............................................................................................................................. 66 Individual Electronic Payments: Allowing an Individual to Provide Their Banking Information........................................................................................................................... 68 Individual Electronic Payments: If You Have an Individual’s Account Information...... 70 Individual Check Payments................................................................................................. 72 Activate a Payee.................................................................................................................... 74 Import Payees..............................................................................................................75 Edit a Payee..................................................................................................................78 Delete a Payee.............................................................................................................79 Add and Manage Categories......................................................................................80 Single Payment............................................................................................................81

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Edit or Stop a Single Payment....................................................................................82 Create a Recurring Payment......................................................................................83 Edit or Stop a Recurring Payment.............................................................................85 Payment Approval.......................................................................................................87 Add an Employee. .......................................................................................................88 Edit or Deactivate an Employee.................................................................................90 Schedule Payroll..........................................................................................................92 Edit Scheduled Payroll................................................................................................94 Schedule Extra Payroll................................................................................................95 View Past Payroll. ........................................................................................................97 Edit or Stop Scheduled Payroll. .................................................................................98 Payroll Approval. ...................................................................................................... 101 Calendar. ................................................................................................................... 102 Company Profile....................................................................................................... 103 Delete or Edit Bill Pay Accounts.............................................................................. 104 Modify User Permissions......................................................................................... 105 Personal Profile. ....................................................................................................... 106 e-Notifications........................................................................................................... 107 Events. ................................................................................................................................ 107 Logout................................................................................................................................. 108 Recurring............................................................................................................................ 109 Reminders.......................................................................................................................... 110 Reports. ..................................................................................................................... 111 Autobooks Overview.................................................................................................................... 112 Send an Invoice......................................................................................................... 113 Edit Invoice Draft...................................................................................................... 115 Mark Invoice as Paid. ............................................................................................... 116 Copy Invoice.............................................................................................................. 117 Email Invoice............................................................................................................. 119 Cancel Invoice........................................................................................................... 120 Edit Recurring Schedule........................................................................................... 121 Pause Recurring Schedule....................................................................................... 123 Resume Recurring Schedule................................................................................... 124 Cancel Recurring Schedule...................................................................................... 125 Export Invoices. ........................................................................................................ 126 New Estimate............................................................................................................ 127 Edit an Estimate........................................................................................................ 129 Email an Estimate..................................................................................................... 131 Create an Invoice from an Estimate....................................................................... 132 Cancel an Estimate................................................................................................... 134

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Export Estimates....................................................................................................... 135 Add a Customer........................................................................................................ 136 Import Customers.................................................................................................... 137 Export Customers..................................................................................................... 138 Edit a Customer........................................................................................................ 139 Archive a Customer.................................................................................................. 141 Invoice Balance Details............................................................................................ 143 New Product/Service................................................................................................ 144 Edit Product/Service................................................................................................. 145 Delete Product/Service............................................................................................ 147 Invoice Settings......................................................................................................... 148 Edit Invoice Reminders and Fees. ................................................................................... 149 Payments Overview. ................................................................................................ 151 Payment Form Settings. .......................................................................................... 152 Share Your Payment Form Link.............................................................................. 153 Email Your Payment Form Link. ............................................................................. 154 Payments................................................................................................................... 155 Refund a Payment.................................................................................................... 156 Cancel a Payment..................................................................................................... 157 Remote Deposits Commercial Remote Deposit.................................................................................. 158

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Getting Started

Business Online Banking Overview

Whether you’re an enterprise, large corporation or small organization, our flexible Business Online Banking can efficiently serve you. Depending on your size, the first steps in banking online are setting up your users, subsidiaries and recipients. After setting up these key entities, you can jump right in and experience our state of-the-art system! Users If your business only needs one person with access to Business Online Banking, you can set up a single login ID and password. This is typical for small companies who primarily use basic online banking tools with occasional business transactions. For larger organizations, our system lets you establish multiple login IDs and passwords for authorized employees. After setting up a company policy with a Moody Bank representative, you can organize which employees get access to different features within Business Online Banking by establishing user roles. 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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Getting Started Verify Personal Image

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

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

Getting Started: Verify Personal Image

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Getting Started

Secure Token Validation Symantec Validation & ID Protection (VIP) Security token codes are online security credentials that add an extra layer of identity protection when you log into online banking.

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Click the Cash Manager tab. 1. Download the VIP Access mobile app from the Apple App Store or Google Play Store. Register your VIP Access credential ID with Moody Bank. 2. Launch the VIP Access app. 3. Enter the six-digit security code. 4. Click the Submit button. 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 Note : A new security code appears with in the VIP Access app every 30 seconds.

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Getting Started: Secure Token Validation

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Getting Started

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

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1. Click the Continue button.

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Getting Started: Security Questions

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

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Getting Started: Security Questions

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Dashboard

Navigation

Along the Navigation bar all available modules are displayed. Modules enabled for you will depend on your user access. Options for each module are located within the tab for that module. Click the tab to access the available options for each online banking module. • Bill Pay: Establish payees, schedule and review bill payments and bill payment history. • Cash Manager: Access the ACH, Wire, and Positive Pay/ARP modules, User administration, and Reporting. • Dashboard: Access accounts and account activities, view transactions, make transfers between Moody Bank accounts. • Options: Change Business Online Banking ID/Password information, Email Address, Account settings, default Display options, and establish Alerts.

Dashboard: Navigation

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Users

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

Users: Users Overview

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Users Overview The User Management page lets you view all your existing users in one easy place. From here, you can create users, edit rights and oversee your employees on a day-to-day basis. 10

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

Users: Users Overview

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

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Users: Users Overview

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8. Select access times.

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Users: Users Overview

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Part 1 of 3: Editing Approval Limits for a Transaction Type A user’s approval limits can be adjusted, so you never have to worry about the amount or number of transactions they make.

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1. Check the box to enable RDC access for the user. 2. Enter the transaction limits for the user. 3. Check the box to enable dual wire control and enter a dual wire control limit. 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 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 Note : Dual wire control means when one user creates a wire transaction, a second user with wire approval authority needs to approve the payment before it can be processed. 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 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

11b 12b 13b 14b 15b 16b 17b 18b 19b 20b A1 B1 C1 D1 E1 F1 G1 H1 I1 11a 12a 13a 14a 15a 16a 17a 18a 19a 20a 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 A3 B3 C3 D3 E3 F3 G3 H3 I3 A1 B1 C1 D1 E1 F1 G1 H1 I1 J1 J2 A2 B2 C2 D2 E2 F2 G2 H2 I2 J3 J1 J1 J2

J3

A3 B3 C3 D3 E3 F3 G3 H3 I3

J2

A2 B2 C2 D2 E2 F2 G2 H2 I2

J3

A3 B3 C3 D3 E3 F3 G3 H3 I3

Users: Users Overview

17

Part 2 of 3: Establishing Transaction Type Rights You can assign and edit user rights. This helps you decide which responsibilities and limitations a user can have regarding certain transactions.

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

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

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

J1

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

J2

A2 B2 C2 D2 E2 F2 G2 H2 I2

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

J3

A3 B3 C3 D3 E3 F3 G3 H3 I3

A1 B1 C1 D1 E1 F1 G1 H1 I1

J1

J2

A2 B2 C2 D2 E2 F2 G2 H2 I2

J3

A3 B3 C3 D3 E3 F3 G3 H3 I3

Users: Users Overview

18

Part 3 of 3: Establishing Rights to Features and Accounts Decide which users have access to perform specific tasks within an account.

11 12 21 22 1 2 K L U V A B 1a 2a 1b 2b 1c 2c

1d 2d

11a 12a

11b 12b

A1 B1 A2 B2 A3 B3 11 12 13 14 21 22 23 24 1 2 3 4 K L M N U V W X A B C D 1a 2a 3a 4a 1b 2b 3b 4b 1c 2c 3c 4c

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

1d 2d 3d 4d

11a 12a 13a 14a

11b 12b 13b 14b

A1 B1 C1 D1 A2 B2 C2 D2 A3 B3 C3 D3

Users: Users Overview

19

Users

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

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

11a 12a 1 11 12 13 14 15 16 1 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 11b 12b 1 1d 2d 3 A1 B1 C A2 B2 C A3 B3 C 1a 2a 3a 4a 5a 6a 1b 2b 3b 4b 5b 6b 1c 2c 3c 4c 5c 6c

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

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

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

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

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

Users: Editing an Existing User’s Rights

20

Users

Authorized users can permanently delete a user that is no longer needed. This deletes their contact information from the Users page and deactivates their Business Online Banking login ID, but it does not erase the data from any existing payments. Deleting a User

11 12 1 21 22 2 1 2

1a 2a 1b 2b 1c 2c K L U V A B

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 In the Cash Manager tab, click Users . 1. Find the user you want to remove and use the drop-down to select “Delete.” 2. Click the Delete button.

1d 2d

11a 12a

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

11b 12b 1

A1 B1 A2 B2 A3 B3

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

J1

J2

A2 B2 C2 D2 E2 F2 G2 H2 I2

J3

A3 B3 C3 D3 E3 F3 G3 H3 I3

Users: Deleting a User

21

ACH

Business Online Banking allows you to create a batch list to make quick payments to multiple people. This is especially beneficial when doing payroll since you can enter multiple amounts and recipients. This page displays a list of all ACH batches created, including the current status for each ACH batch shown. From this page you can create a new ACH batch, edit, copy or delete an existing ACH batch, upload an ACH batch and search ACH batch activity. Batch List Overview 10 11 12 13 14 15 16 17 18 19 20 21 22 23 24 25 26 27 28 29 30 1 2 3 4 5 6 7 8 9

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

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

1d 2d 3d

11a 12a 13a

11b 12b 13b

A1 B1 C1 A2 B2 C2 A3 B3 C3

J3

A3 B3 C3 D3 E3 F3 G3 H3 I3

• Debit • Credit • Recurring • Scheduled Date

B. Click the

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

payment history.

ACH: Batch List Overview

22

ACH

Creating a Batch List

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 In the Cash Manager tab, click ACH . 1. Select a company from the category drop-down. 10a 1a 2a 3a 4a 5a 6a 7a 8a 9a 10b 1b 2b 3b 4b 5b 6b 7b 8b 9b 10c 1c 2c 3c 4c 5c 6c 7c 8c 9c 10d 1d 2d 3d 4d 5d 6d 7d 8d 9d 10a 1a 2a 3a 4a 5a 6a 7a 8a 9a 10b 1b 2b 3b 4b 5b 6b 7b 8b 9b 10c 1c 2c 3c 4c 5c 6c 7c 8c 9c 10d 1d 2d 3d 4d 5d 6d 7d 8d 9d 2. Enter a category name. 3. Enter discretion ry data. 4. Use the drop-down to select a category. 5. Enter a company ID. 6. Enter an entry description. This field is limited to ten characters or less. The description is autom tically added to the NACHA-formatted ACH file. 7. Click the Submit button. 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 11a 12a 13a 14a 15a 16a 17a 18a 19a 20a J2 A2 B2 C2 D2 E2 F2 G2 H2 I2 11b 12b 13b 14b 15b 16b 17b 18b 19b 20b J3 A3 B3 C3 D3 E3 F3 G3 H3 I3 A1 B1 C1 D1 E1 F1 G1 H1 I1 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 11a 12a 13a 14a 15a 16a 17a 18a 19a 20a

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 Q U V W X Y Z A B C D E F G 11 12 13 14 15 16 17 1 21 22 23 24 25 26 27 2 1 2 3 4 5 6 7 8 1a 2a 3a 4a 5a 6a 7a 8 1b 2b 3b 4b 5b 6b 7b 8 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 H 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 1a 2a 3a 4a 5a 6a 7a 8a 1b 2b 3b 4b 5b 6b 7b 8b 1c 2c 3c 4c 5c 6c 7c 8c K L M N O P Q R U V W X Y Z A B C D E F G H 1 11 12 13 14 15 16 17 18 19 2 21 22 23 24 25 26 27 28 29 3 1 2 3 4 5 6 7 8 9 1 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 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 11a 12a 13a 14a 15a 16a 1 1d 2d 3d 4d 5d 6d 7d 11b 12b 13b 14b 15b 16b 1 11a 12a 13a 14a 15a 16a 17a 1d 2d 3d 4d 5d 6d 7d 8d 1d 2d 3d 4d 5d 6d 7 A1 B1 C1 D1 E1 F1 G A2 B2 C2 D2 E2 F2 G A3 B3 C3 D3 E3 F3 G 11b 12b 13b 14b 15b 16b 17b 1 A1 B1 C1 D1 E1 F1 G1 H A2 B2 C2 D2 E2 F2 G2 H A3 B3 C3 D3 E3 F3 G3 H 11a 2a 13a 4a 5a 16a 17a 8a 1 11b 12b 13b 14b 15b 16b 17b 18b 1 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 5a 16a 17a 18a 19a 11b 12b 13b 14b 15b 16b 17b 18b 19b 1d 2d 3d 4d 5d 6d 7d 8d 9d A1 B1 C1 D1 E1 F1 G1 H1 I1 A2 B2 C2 D2 E2 F2 G2 H2 I2 A3 B3 C3 D3 E3 F3 G3 H3 I3

A2 B2 C2 D2 E2 F2 G2 H2 I2 11b 12b 13b 14b 15b 16b 17b 18b 19b 20b A1 B1 C1 D1 E1 F1 G1 H1 I1 A3 B3 C3 D3 E3 F3 G3 H3 I3 J1 A2 B2 C2 D2 E2 F2 G2 H2 I2 J2

J2

J3

J3

A3 B3 C3 D3 E3 F3 G3 H3 I3

ACH: Creating a Batch List

23

Adding Recipients to a Batch

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 0d 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 0 11 12 13 14 15 16 17 18 19 0 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 0d 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 13 14 15 16 17 18 19 20 23 24 25 26 27 28 29 30 3 4 5 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 J M N O P Q R S T W X Y Z C D E F G H I 10 4 15 16 17 18 19 20 4 25 26 27 28 29 30 4 5 6 7 8 9 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 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 11a 12a 13a 14a 15a 16a 17a 8a 19a 20a A1 B1 C1 D1 E1 F1 G1 H1 I1 11b 12b 13b 14b 15b 16b 17b 18b 19b 20b A1 B1 C1 D1 E1 F1 G1 H1 I1 11a 12a 13a 14a 15a 16a 17a 18a 19a 20a 11b 12b 13b 14b 15b 16b 17b 18b 19b 20b 11a 12a 3a 14a 15a 16a 17a 18a 19a 20a A2 B2 C2 D2 E2 F2 G2 H2 I2 A3 B3 C3 D3 E3 F3 G3 H3 I3 0 11 12 13 14 15 16 17 18 19 0 21 22 23 24 25 26 27 28 29 30 1 2 3 4 5 6 7 8 9 J1 J2 A2 B2 C2 D2 E2 F2 G2 H2 I2 11b 12b 13b 14b 15b 16b 17b 18b 19b 20b J1 A1 B1 C1 D1 E1 F1 G1 H1 I1 A2 B2 C2 D2 E2 F2 G2 H2 I2 J1 A1 B1 C1 D1 E1 F1 G1 H1 I1 13a 14a 15a 16a 17a 18a 19a 20a

11 12 13 14 15 16 17 18 19 21 22 23 24 25 26 27 28 29 1 2 3 4 5 6 7 8 9 K L M N O P Q R S U V W X Y Z A B C D E F G H I 0 11 12 13 14 15 16 17 18 19 0 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 0d 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 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 2 13 4 5 6 21 22 23 4 5 6 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 1 21 22 23 24 25 26 27 2 1 2 3 4 5 6 7 1a 2a 3a 4a 5a 6a 7a 8a 9a 1b 2b 3b 4b 5b 6b 7b 8b 9b 1c 2c 3c 4c 5c 6c 7c 8c 9c 11a 12a 13a 14a 15a 16a 17a 18a 19a 11b 12b 13b 14b 15b 16b 17b 18b 19b 11a 12a 13a 4a 5a 6a 17a 8a 9a 20a 1d 2d 3d 4d 5d 6d 7d 8d 9d A1 B1 C1 D1 E1 F1 G1 H1 I1 A2 B2 C2 D2 E2 F2 G2 H2 I2 A3 B3 C3 D3 E3 F3 G3 H3 I3 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 1a 2a 3a 4a 5a 6a 7a 8a 1b 2b 3b 4b 5b 6b 7b 8b 1c 2c 3c 4c 5c 6c 7c 8c 1 2 3a 4a 5 6a 1 2 3 4 5 6 1c 2c 3c 4c 5c 6 K L M N O P Q U V W X Y Z A B C D E F G A3 B3 C3 D3 E3 F3 G3 H3 I3 1d 2d 3d 4d 5d 6d 7d 8d 1d 2d 3d 4 5 6 J3 J1 1a 2a 3a 4a 5a 6a 7a 1b 2b 3b 4b 5b 6b 7b 1c 2c 3c 4c 5c 6c 7c J3 A1 B1 C1 D1 E1 F1 G1 H1 A2 B2 C2 D2 E2 F2 G2 H2 A3 B3 C3 D3 E3 F3 G3 H3 A B C1 D1 E F A2 B C2 D2 E F A3 B C3 D3 E F 11a 12a 13a 14a 15a 16a 17a 11b 12b 13b 14b 15b 16b 17b 1d 2d 3d 4d 5d 6d 7d A1 B1 C1 D1 E1 F1 G1 A2 B2 C2 D2 E2 F2 G2 A3 B3 C3 D3 E3 F3 G3 11a 12a 13a 14a 15a 16a 17a 18a 1 a 12 13a 4 5 16a 11b 12b 13b 14b 15b 16b 17b 18b 11b 12b 13 4 15b 16b

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

J2 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 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

J3 1. Enter a recipient’s name. 2. (Optional) Enter an ID number. An ID number can be used to identify a recipient when duplicate names exists. 3. Enter an amount. 4. (Optional) Click the box to prenote all recipients in the atch and verify their information. 5. (Optional) Use the drop-downs to select an addenda type. 6. (Optional) Enter an addenda. 7. Enter the recipient’s routing number or click the Search for ABA # button to search for the routing number.. 8. Enter the recipient’s account number. 9. Use the drop-down to select an account type. 10. Select a transaction type and status. 11. To add another recipient, click the Add Multiple button and repeat steps 1 through 10. 12. Click the Submit button when you are finished. 13. Review the information and click the Submit button. A3 B3 C3 D3 E3 F3 G3 H3 I3 J3 A3 B3 C3 D3 E3 F3 G3 H3 I3 J2 J3 A1 B1 C1 D1 E1 F1 G1 H1 I1 J1 J2 J3 J1 J2 J3 11a 12a 13a 14a 15a 16a 17a 18a 19a 20a 11b 12b 13b 14b 15b 16b 17b 18b 19b 20b J2 A2 B2 C2 D2 E2 F2 G2 H2 I2 A3 B3 C3 D3 E3 F3 G3 H3 I3 11a 12a 13a 14a 15a 16a 17a 18a 19a 20a 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

13b 14b 15b 16b 17b 18b 19b 20b 4a 15a 16a 17a 18a 19a 20a C1 D1 E1 F1 G1 H1 I1 4b 15b 16b 17b 18b 19b 20b 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

A2 B2 C2 D2 E2 F2 G2 H2 I2

A3 B3 C3 D3 E3 F3 G3 H3 I3

D3 E3 F3 G3 H3 I3

ACH: Creating a Batch List

24

ACH

Upload Batch File

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

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

11 12 13 14 15 16 17 18 21 22 23 24 25 26 27 28 1 2 3 4 5 6 7 8 K L M N O P Q R U V W X Y Z A B C D E F G H 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 Cash Manager tab, click ACH then click Upload . 1. Click the Choose File button and select the file you would like to upload. 2. Click the Upload button to upload the file. 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

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

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

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

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

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

A1 B1 C1 D1 E1 F1 G1 H1 I1

J1 A1 B1 C1 D1 E1 F1 G1 H1 A2 B2 C2 D2 E2 F2 G2 H2 A3 B3 C3 D3 E3 F3 G3 H3 J2 J3

A2 B2 C2 D2 E2 F2 G2 H2 I2

A3 B3 C3 D3 E3 F3 G3 H3 I3

ACH: Upload Batch File

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