Republic Bank Business Online Banking Corporate User Guide

B B U B h M

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 Republic Bank! Whether at home or at the office, from a mobile phone, tablet or laptop, we strive to make your Business Online Banking experience easy and convenient. With powerful commercial products and features, Republic Bank’s Business Online Banking 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. Certain features covered require additional services that may have associated fees. If you have interest in a feature that is not available to you, or if you have any additional questions about topics covered in this guide, please contact us at 866-534-2341.

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Table of Contents Getting Started

Business Online Banking Overview ............................................................................7 Users........................................................................................................................................ 7 Recipients................................................................................................................................ 7 Business Online Banking Transaction Types...................................................................... 8 Security Protecting Your Information........................................................................................9 General Guidelines................................................................................................................ 9 Login ID and Password.......................................................................................................... 9 Fraud Prevention ................................................................................................................... 9 Security Preferences...................................................................................................10 Change Password ................................................................................................................ 10 Change Login ID ................................................................................................................... 11 Secure Delivery .................................................................................................................... 12 Mobile Security Preferences......................................................................................13 Enabling Touch ID or Fingerprint Login ............................................................................ 13 Enabling Passcode Authentication .................................................................................... 15 Enabling Face ID................................................................................................................... 16 Disabling Passcode Authentication, Touch ID, Fingerprint or Facial ID Login.............. 17 Apple ® Watch...............................................................................................................18 Apple ® Watch Setup............................................................................................................. 18 Viewing Balances and Transactions .................................................................................. 18 Alerts Overview ...........................................................................................................19 Account Alerts ...................................................................................................................... 20 History Alerts........................................................................................................................ 21 Incoming Wire Alerts ........................................................................................................... 22 Online Transaction Alerts ................................................................................................... 23 Reminders............................................................................................................................. 24 Security Alerts Overview ............................................................................................25 Editing Delivery Preferences............................................................................................... 25 Enabling and Disabling Push Notifications..............................................................26 Secure Message Overview .........................................................................................27 Sending a Secure Message ........................................................................................28 Treasury Recipient Overview .....................................................................................................29 ACH Only - Part 1 of 2: Adding a Recipient ....................................................................... 30 ACH Only - Part 2 of 2: Recipient Account Detail ............................................................. 31 ACH & Wire - Part 1 of 4: Adding a Recipient.................................................................... 32

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ACH & Wire - Part 2 of 4: Beneficiary FI Detail .................................................................. 33 ACH & Wire - Part 3 of 4: Intermediary FI Detail .............................................................. 34 ACH & Wire - Part 4 of 4: Recipient Account Detail.......................................................... 35 Wires Only (Domestic) - Part 1 of 4: Adding a Recipient ................................................. 36 Wires Only (Domestic) - Part 2 of 4: Beneficiary FI Detail ............................................... 37 Wires Only (Domestic) - Part 3 of 4: Intermediary FI Detail ............................................ 38 Wires Only (Domestic) - Part 4 of 4: Recipient Account Detail ....................................... 39 Wires Only (International) - Part 1 of 4: Adding a Recipient ........................................... 40 Wires Only (International) - Part 2 of 4: Beneficiary FI Detail ......................................... 41 Wires Only (International) - Part 3 of 4: Intermediary FI Detail ...................................... 42 Wires Only (International) - Part 4 of 4: Recipient Account Detail ................................. 43 Editing a Recipient ......................................................................................................44 Editing a Recipient’s Templates.......................................................................................... 45 Deleting a Recipient....................................................................................................46 Payment Template Overview ....................................................................................47 Creating a Template ...................................................................................................48 ACH Batch ............................................................................................................................. 49 ACH Collection...................................................................................................................... 51 Domestic Wire ...................................................................................................................... 53 International Wire................................................................................................................ 55 Payroll.................................................................................................................................... 58 Sending a Single Payment..........................................................................................60 ACH Batch ............................................................................................................................. 60 ACH Collection...................................................................................................................... 63 Domestic Wire ...................................................................................................................... 66 International Wire................................................................................................................ 69 Payroll.................................................................................................................................... 72 Splitting a Payment.............................................................................................................. 74 Upload From File.........................................................................................................75 Creating a New File Map - Delimited Files ........................................................................ 75 Creating a New File Map - Fixed Width ............................................................................. 78 Using an Existing File Map .................................................................................................. 81 Editing an Existing File Map ................................................................................................ 82 Deleting an Existing File Map.............................................................................................. 83 Viewing, Approving or Canceling a Transaction......................................................84 Single Transaction................................................................................................................ 84 Multiple Transactions.......................................................................................................... 85 Editing or Using a Template ......................................................................................86 Deleting a Template ...................................................................................................87 Wire Activity .................................................................................................................88

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International Payments (PayRecs) Overview ......................................................................................................................89 Creating a New Recipient...........................................................................................90 Approve or Reject a Recipient ...................................................................................95 Edit Recipient...............................................................................................................96 Archive Recipient ........................................................................................................98 Sending a Payment.....................................................................................................99 Reports Overview..................................................................................................... 103 Company User Activity Report ........................................................................................ 104 Company Entitlements Report........................................................................................ 105 ACH Activity Report Previous Day(s)............................................................................... 106 Balance and Activity Statement-Previous Day(s) .......................................................... 107 Cash Position Report Previous Day(s) ............................................................................ 108 Wire Online Origination Report ...................................................................................... 109 Editing a Report........................................................................................................ 110 Deleting a Report ..................................................................................................... 111 Tax Payment............................................................................................................. 112 User Admin Editing Company Policy........................................................................................... 114 Part 1 of 11: Choosing a Transaction to Edit in Company Policy ................................ 114 Part 2 of 11: Approval Limits ........................................................................................... 115 Part 3 of 11: Allowed Actions .......................................................................................... 116 Part 4 of 11: Amount ....................................................................................................... 116 Part 5 of 11: Approvals .................................................................................................... 117 Part 6 of 11: Choosing the Subsidiaries ......................................................................... 117 Part 7 of 11: Choosing the Accounts .............................................................................. 118 Part 8 of 11: Choosing the Drafting Hours .................................................................... 119 Part 9 of 11: Choosing the Location ............................................................................... 120 Part 10 of 11: Choosing the IP Address.......................................................................... 121 Part 11 of 11: Choosing the SEC Code............................................................................ 122 Company Policy Tester..................................................................................................... 123 Viewing Rights to Access Features.................................................................................. 125 Establishing Rights to Access Accounts.......................................................................... 126 Creating and Editing Account Labels.............................................................................. 127 User Roles Overview................................................................................................ 128 Creating, Editing or Copying a User Role .............................................................. 129 Part 1 of 10: Choosing a Transaction to Edit in User Roles.......................................... 130 Part 2 of 10: Establishing Transaction Type Rights....................................................... 131 Part 3 of 10: Approval Limits ........................................................................................... 132 Part 4 of 10: Disabling a Transaction Type .................................................................... 133 Part 5 of 10: Allowed Actions .......................................................................................... 134 Part 6 of 10: Enabling Operation Rights......................................................................... 135

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Part 7 of 10: Choosing the Maximum Draft Amount.................................................... 136 Part 8 of 10: Selecting Subsidiaries................................................................................. 136 Part 9 of 10: Enabling Allowed Accounts........................................................................ 137 Part 10 of 10: Choosing Drafting Hours ......................................................................... 138 User Role Policy Tester..................................................................................................... 139 Deleting Allowed Actions ................................................................................................. 141 Establishing Rights to Access Features........................................................................... 142 Establishing Rights to Access Accounts.......................................................................... 143 Deleting a User Role ................................................................................................ 144 Users Overview ........................................................................................................ 145 User Management Overview........................................................................................... 146 Adding a New User .......................................................................................................... 147 Editing a User ........................................................................................................... 148 Deleting a User......................................................................................................... 149 Transactions Funds Transfer ......................................................................................................... 150 Individual Transfers.......................................................................................................... 150 Multi-Account Transfers Overview ................................................................................. 152 Multi-Account Transfers- Creating a Template ............................................................. 153 Multi-Account Transfers- Single Transfer ...................................................................... 155 Editing a Multi-Account Transfer Template .......................................................... 157 Deleting a Multi-Account Transfer Template........................................................ 158 Loan & Card Payments............................................................................................ 159 Stop Payment Request............................................................................................ 161 Bill Payment Home Page Overview .............................................................................................. 162 Add a Payee .............................................................................................................. 164 Company - Billing Statement........................................................................................... 164 Company - Account and Routing Number . ........................................................... 167 Individual Electronic Payments: Allowing an Individual to Provide Their Banking Information........................................................................................................................ 169 Individual Electronic Payments: If You Have an Individual’s Account Information .. 171 Individual Check Payments.............................................................................................. 173 Activate a Payee ................................................................................................................ 175 Import Payees .......................................................................................................... 176 Edit a Payee .............................................................................................................. 179 Delete a Payee.......................................................................................................... 180 Add and Manage Categories .................................................................................. 181 Single Payment......................................................................................................... 182 Edit or Stop a Single Payment ................................................................................ 183 Create a Recurring Payment................................................................................... 184

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Edit or Stop a Recurring Payment.......................................................................... 186 Payment Approval ................................................................................................... 188 Calendar.................................................................................................................... 189 Company Profile ...................................................................................................... 190 Delete or Edit Bill Pay Accounts ............................................................................. 191 Modify User Permissions ........................................................................................ 192 Personal Profile........................................................................................................ 193 e-Notifications .......................................................................................................... 194 Events ................................................................................................................................. 194 Logout ................................................................................................................................ 195 Recurring............................................................................................................................ 196 Reminders.......................................................................................................................... 197 Reports...................................................................................................................... 198 Quick Positive Pay Introduction.............................................................................................................. 199 Managing Exceptions .............................................................................................. 200 Viewing Positive Pay Decisions........................................................................................ 202 Add a Check Confirmation...................................................................................... 203 Submit Issued Check File ........................................................................................ 204 Transaction Monitoring Introduction.............................................................................................................. 205 Quick Exception Processing.................................................................................... 206 Submit Issued Check File ........................................................................................ 209 Add New Issued Check File..................................................................................... 210 Void a Check ............................................................................................................. 211 Check Search ............................................................................................................ 212 ACH Transaction Search.......................................................................................... 214 Daily Checks Issued Summary ............................................................................... 215 Stops and Voids........................................................................................................ 216 Exception Items........................................................................................................ 217 Stale Dated Checks .................................................................................................. 218 Account Reconciliation ............................................................................................ 219 Check Reconciliation Summary.............................................................................. 220 Deposit Reconciliation Summary........................................................................... 221 Payee Match Report ................................................................................................ 222 ACH Authorization Rules Setup.............................................................................. 223 Create an ACH Authorization Rule.................................................................................. 223 Manage ACH Authorization Rules................................................................................... 225 Transaction Filters/Blocks....................................................................................... 226 Issued Check File Processing Log........................................................................... 227

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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. Republic Bank will work with you to determine appropriate online roles and permissions for the users you want assigned to your company. 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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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 888-584-3600 for a full list of wire and ACH fees or if you have any questions.

Business Online Banking Transaction Types

Type

Description

Send a payment to one or more recipients.

ACH Batch

Receive a payment from one or more

ACH Collection

recipients.

Domestic Wire

Send a wire to a recipient within the US.

Send a wire to a recipient in a different

International Wire

country.

Foreign Exchange (FX) payments in currencies other than USD.

International Payments

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

Payroll

Send payments to Federal or State taxing

Tax Payment

authorities.

Getting Started: Business Online Banking Overview

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Security Protecting Your Information

Here at Republic Bank, we do all that we can to protect your personal information and provide you with a dependable online experience. However, we rely on you to take further precautions to assure the safety of your accounts. By following our tips, Business Online Banking can be a secure and efficient method for all your banking needs. General Guidelines • Make sure your operating system and antivirus software are up to date. • Always use secure wireless (WiFi) networks that require a login ID and password. • Never leave your computer unattended while using Business Online Banking. • Monitor your recent account history for unauthorized transactions. • Always log off Business Online Banking when you’ve finished and close the browser. Login ID and Password • Create strong passwords by using a mixture of uppercase and lowercase letters, numbers and special characters. • Do not create passwords containing your initials or birthday. • Change your passwords periodically. • Memorize your passwords instead of writing them down. • Only register personal devices, and avoid using features that save your login IDs and passwords. Fraud Prevention • Do not open email attachments or click on links from unsolicited sources. • Avoid giving out personal information on the phone, by text or through email. • Shred unwanted sensitive documents, including receipts, checks, deposit slips, pre-approved credit card offers and expired cards. • Act quickly. If you suspect your financial information is compromised, call us immediately at 888-584-3600.

Security: Protecting Your Information

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Security Security Preferences

We take security very seriously at Republic Bank. Because of this, we’ve added various tools to help you better protect your account information. You can add and manage these features in Security Preferences to strengthen your Business Online Banking experience.

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Change Password When you need to, you can change your password within Business Online Banking. We recommend that you change your password regularly and follow our guidelines for creating a strong password.

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In the Settings tab, click Security Preferences . 1. Click the Change Password button. 2. Enter your current password. 3. Create a new password. 4. Reenter your new password. 5. Click the Change Password button when you are finished making changes.

Security: Security Preferences

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Change Login ID You can also change your login ID at any time. To ensure that you create an effective login ID, create an ID that you will remember and that follows our required guidelines.

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In the Settings tab, click Security Preferences . 1. Click the Change Login ID button. 2. Enter your new login ID. 3. Click the Save new Login ID button when you are finished making changes.

Security: Security Preferences

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Secure Delivery Republic Bank verifies your identity using Secure Access Codes (SACs), which are numbered codes that are sent to you by phone or text. Within Security Preferences, you can make changes to your delivery preferences or add new ways we can contact you.

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In the Settings tab, click Security Preferences . 1. Click the Secure Delivery button. 2. Make changes to a secure delivery method by clicking the

icon to make

changes, or the icon to delete a secure delivery method. 3. Add a new delivery contact by clicking either the + Add Contact button. 4. Enter your new contact information and click the Save button when you are finished to save your changes.

Security: Security Preferences

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Security Mobile Security Preferences

Within Republic Bank’s Business Online Banking app, you have the ability to set up security preferences that are not available on a desktop computer. These additional preferences make signing into your Business Online Banking quick and easy, but also adds an extra layer of security to your private information while you are on the go! Enabling Touch ID or Fingerprint Login Touch ID and Fingerprint Login are features that have fingerprint recognition technology that allows you to unlock your iOS or Android device to make payments or authenticate transactions using just your fingerprint. With this feature enabled, you can now easily and securely sign in to your Business Online Banking using Touch ID or Fingerprint Login on our mobile app! Apple ®

1

Android ™

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Sign in to Republic Bank’s Business Online Banking app and tap the Menu button. In the Settings tab, tap Security Preferences . 1. Toggle the Touch ID or Fingerprint Login switch from “Off” to “On.” 2. Review the information about using fingerprint authentication and tap the Continue button. 3. Enter your login ID and password, and tap the Authorize button.

Note: You must have Touch ID or Fingerprint Login enabled on your mobile device before enabling it through our app.

Security: Mobile Security Preferences

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4b

4a

4. Scan your fingerprint. a. Apple ® Device : Place your finger on the Home button to enable Touch ID. b. Android ™ Device : Place your finger on the fingerprint scanner to enable Fingerprint Login. Location of scanner varies from device to device.

Security: Mobile Security Preferences

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Enabling Passcode Authentication Create a unique passcode within our Business Online Banking app to quickly and easily sign in to your Business Online Banking on the go!

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Sign in to Republic Bank’s Business Online Banking app and tap the Menu button. In the Settings tab, tap Security Preferences . 1. Toggle the Passcode switch from “Off” to “On.” 2. Review the information about using a passcode and tap the Create Passcode button. 3. Create your strong passcode using the keypad. 4. Confirm your passcode using the keypad. 5. Enter your login ID and password, and tap the Authorize button.

Security: Mobile Security Preferences

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Enabling Face ID Face ID is a feature which utilizing facial recognition technology, allowing you to unlock your Apple® device with your face instead of a login ID and password.

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Open Republic Bank’s Mobile app and tap the Face ID button. 1. Review the information about using Face ID and tap the Enroll Now button. 2. Enter your login ID and password, and tap the Authorize button. 3. Face ID is now set up. You can now tap the Face ID button to log in.

Note: You must have Face ID enabled on your mobile device before enabling it through our Business Online Banking Mobile app.

Security: Mobile Security Preferences

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Disabling Passcode Authentication, Touch ID, Fingerprint or Facial ID Login You can disable Passcode Authentication, Touch ID or Fingerprint Login if you no longer prefer to utilize them. When all features are disabled, you can sign in to your Business Online Banking using your login ID and password. Apple ®

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Android ™

2

Sign in to Republic Bank’s Business Online Banking app and tap the Menu button. In the Settings tab, tap Security Preferences . 1. Toggle the Passcode , Face/Touch ID or Fingerprint Login switch from “On” to “Off.” 2. Tap the Yes button to disable the feature.

Security: Mobile Security Preferences

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Security Apple ® Watch

With the convenience of the Apple® Watch feature, you can now check your balances and recent transactions faster than ever.

Apple ® Watch Setup Activate the Apple ® Watch feature in your mobile banking app using your mobile device or tablet.

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Sign in to Republic Bank’s Mobile Banking app and tap the Menu button. In the Settings tab, tap Apple ® Watch . 1. Toggle the Apple ® Watch switch from “Off” to “On.” Viewing Balances and Transactions When you activate the Apple ® Watch feature, you can view your first ten accounts on the Account Summary page, along with balances and transactions. .

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1. Swipe left and right to view different account balances. 2. Swipe up and down to scroll through the transactions list. 3. Tap the Back button to return to your account list.

Security: Apple® Watch

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Security Alerts Overview

Having peace of mind is critical when it comes to your online banking experience. When you create an alert through Business Online Banking, you specify the conditions that trigger that alert, so you stay on top of what’s important to you.

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In the Settings tab, click Alerts . A. The “New Alert” drop-down lets you create an account, history, online transaction or reminder alert. B. The icon allows you to collapse or expand alert details for each category. C. Toggling the switch turns an alert on or off without deleting it. D. The “Edit” link lets you make changes to existing alerts.

Note: All alerts are automatically sent through secure messages, but you can also choose to receive them by email, phone or text message.

Security: Alerts Overview

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Account Alerts There should be no surprises when it comes to your finances. Account Alerts can notify you when the balances in your accounts go above or below a number you specify.

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In the Settings tab, click Alerts . 1. Use the “New Alert” drop-down and select “Account Alert.” 2. Use the drop-down to select an account. 3. Use the drop-down to select an account balance type. 4. Select a comparison. 5. Enter an amount. 6. Select a delivery method and enter the corresponding information. 7. Click the Create Alert button when you are finished.

Security: Alerts Overview

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History Alerts If you’re ever concerned about amount limits or pending checks, you can create History Alerts to contact you when a check number posts or transactions meet an amount you choose.

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In the Settings tab, click Alerts . 1. Click the “New Alert” drop-down and select “History Alert.” 2. Select a transaction type. 3. Select a comparison. These options vary depending on the chosen transaction type. 4. Enter an amount. 5. Use the drop-down to select an account. 6. Select a delivery method and enter the corresponding information. 7. Click the Create Alert button when you are finished.

Security: Alerts Overview

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Incoming Wire Alerts If you need to be notified of incoming wires as they are applied to your account(s), you may create Incoming Wire Alerts to let you know when a wire credit has been received.

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In the Settings tab, click Alerts . 1. Click the “New Alert” drop-down and select “Incoming Wire Alert.” 2. Select a transaction type. 3. Use the drop-down to select an account. 4. Use the drop-down to select a status. 5. Select a delivery method and enter the corresponding information. 6. Click the Create Alert button when you are finished.

Security: Alerts Overview

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Online Transaction Alerts Different types of transactions can occur in your accounts. By creating Online Transaction Alerts, you can be notified when various transfers, payments or debits post to your account.

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In the Settings tab, click Alerts . 1. Click the “New Alert” drop-down and select “Online Transaction Alert.” 2. Use the drop-down to select a transaction type. 3. Use the drop-down to select an account. 4. Use the drop-down to select a status. 5. Select a delivery method and enter the corresponding information. 6. Click the Create Alert button when you are finished.

Security: Alerts Overview

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Reminders Just like marking a calendar, you can set up alerts to remind you of specific dates or events. That way, you never forget a birthday or anniversary again!

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In the Settings tab, click Alerts . 1. Use the “New Alert” drop-down and select “Reminder.”

2. Use the drop-down to select an event. 3. Enter the date for the alert to occur. 4. Check the box next to “Recurs Every Year” to have your alert repeat annually. 5. Enter a message. 6. Select a delivery method and enter the corresponding information. 7. Click the Create Alert button when you are finished.

Security: Alerts Overview

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Security Security Alerts Overview

We want you to feel confident while using Business Online Banking. To help you feel safe and in control, Security Alerts are implemented in your accounts to notify you immediately when security scenarios occur.

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A

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In the Settings tab, click Alerts , then Security Alerts . A. Toggling the switch turns an alert on or off without deleting it.

Editing Delivery Preferences When a trigger occurs, Security Alerts are always sent to you through secure messages. You can add additional delivery methods to notify you about your accounts wherever you are. In the Settings tab, click Alerts , then Security Alerts . 1. Click the “Edit Delivery Preferences” link at the top. These changes will apply to all Security Alerts.

2. Enter the information for your preferred delivery method. 3. Click the Save button when you are finished making changes.

Security: Security Alerts Overview

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Security Enabling and Disabling Push Notifications Have alerts sent directly to your mobile device as push notifications. Push notifications are completely free to receive and will show up as a banner at the top of your lock screen or in your “notification tray.”

Note: Push Notifications are available for security, reminder, account and transaction alerts.

B1

B2

A

A. When you first sign into Republic Bank’s online banking app, you have the option to enable push notifications for alerts by tapping the Allow button. B. To enable or disable push notifications at a later time, in the Alerts tab, tap Push Notifications . 1. Use the Enable Notifications switch to enable or disable push notifications. 2. Tap the respective Alert Settings tab to edit alerts and their delivery preferences. (See Alerts Overview section starting on page 19 for more information.)

Security: Enabling and Disabling Push Notifications

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Security Secure Message Overview

If you have questions about your accounts or need to speak with someone at Republic Bank, Secure Messages allow you to communicate directly with a Republic Bank customer service representative. From the Secure Messages page, you can find replies, old messages or create new conversations.

A

B

C

D1

D2

D3

Click the Messages tab. A. Click on a message to open it. Messages are displayed on the left side of the screen. B. Messages automatically delete after a certain time. Check the box next to “This message should never expire” to prevent that message from being erased. C. Delete an opened message by clicking the icon or reply by clicking the icon. D. You can delete multiple messages at once. 1. Click the “Delete multiple” link. 2. Check the box next to the corresponding messages or check the box next to “Select All.” 3. Click the “Delete” link and then the Delete button to permanently delete the selected messages.

Security: Secure Message Overview

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Security Sending a Secure Message

Starting a new conversation through Business Online Banking is just as effortless as sending an email. Unlike an email, you can safely include confidential personal information relating to your accounts or attach files within a new message.

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Click the Messages tab. 1. Create a new message by clicking the

icon in the top right corner.

2. Select the recipient from the drop-down. 3. Enter the subject. 4. Enter your message. 5. Click the Send message button when you are finished.

Security: Sending a Secure Message

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Treasury Recipient Overview

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

B

A

C

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

icon next to the appropriate column to sort recipients by display

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

Treasury: Recipient Overview

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

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In the Commercial tab, click Recipients . 1. Click the New Recipient button. 2. Enter a display name and the recipient’s email address. 3. Check the box next to “Send email notifications for template payments” to alert them when a payment is sent. 4. (Optional) Click the “+Add Account” link to add a new account. 5. Select a payment type using the “Payment Type” drop-down. 6. Select the recipient’s account type using the “Account Type” drop-down. 7. Enter the recipient’s account number. 8. (Optional) Enter the financial institution (FI). 9. Enter the recipient’s ACH routing number. 10. Click the icon to edit or remove a recipient’s account information. 11. Click the button when you are finished.

Treasury: Recipient Overview

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

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

Treasury: Recipient Overview

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

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

Treasury: Recipient Overview

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

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

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

Treasury: Recipient Overview

34

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

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1. Enter the intermediary FI’s name and wire routing number. 2. Enter its street address and city. 3. Select the intermediary FI’s location using the “State” drop-down and enter its postal code. 4. Click the button.

Treasury: Recipient Overview

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

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

Treasury: Recipient Overview

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

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

Treasury: Recipient Overview