Roxboro Savings Bank Desktop Business Guide

4-3-24

Desktop Business Guide

II

Published by Murphy & Company, Inc. 13610 Barrett Office Drive, Suite 206

St. Louis, MO 63021 www.mcompany.com

© 2009-2021 Murphy & Company, Inc. Macintosh is a trademark of Apple Inc., registered in the U.S. and other countries. Adobe Reader is a registered trademark of Adobe Systems, Inc. © 2012 Portions of this guide were written by Finastra.

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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Welcome to Business Online Banking with Roxboro Savings Bank! Whether you are at home or the office using a mobile phone, tablet or laptop, we strive to make your Business Online Banking experience easy and convenient. By adding powerful commercial products and features, Roxboro Savings Bank provides you with the complex tools your business needs to achieve its goals. Business Online Banking shares similar features with our personal accounts, but this guide is designed to direct 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 Business Online Banking process. If you have additional questions, contact us at 1 (866) 601-6070.

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Table of Contents Getting Started

Business Online Banking Overview.............................................................................4 Users........................................................................................................................................ 4 Recipients................................................................................................................................ 4 Transaction Type Overview..........................................................................................5 Business Online Banking Transaction Types...................................................................... 5 Business Banking Users Overview..............................................................................................................6 User Management Overview................................................................................................ 7 Adding a New User ................................................................................................................ 8 Part 1 of 4: Establishing Transaction Type Entitlements................................................. 10 Part 2 of 4: Disabling a Transaction Type.......................................................................... 11 Part 3 of 4: Editing Approval Limits for a Transaction Type............................................ 12 Part 4 of 4: Dual Control...................................................................................................... 13 Editing an Existing User’s Entitlements.....................................................................14 Recipient Overview......................................................................................................15 Adding a Recipient............................................................................................................... 16 ACH. ....................................................................................................................................... 17 Review.................................................................................................................................... 19 Editing a Recipient.......................................................................................................20 Deleting a Recipient....................................................................................................21 Creating a Batch Payee List........................................................................................22 Importing a Batch from File.......................................................................................26 Import ACH File..................................................................................................................... 26 Import Delimited File........................................................................................................... 28 Import Fixed Length File...................................................................................................... 32 Creating a New Payment............................................................................................35 Create a Payment................................................................................................................. 35 Make Batch Payment........................................................................................................... 38 ACH Batch Upload.......................................................................................................41 Editing a Batch.............................................................................................................45 Deleting a Batch..........................................................................................................46 Pay Again......................................................................................................................47 Activity...........................................................................................................................48 Editing a Transaction........................................................................................................... 49 Deleting a Transaction......................................................................................................... 49

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Viewing, Approving or Denying a Transaction.........................................................50 Account Reporting.......................................................................................................52 Creating a New Report........................................................................................................ 52 Deleting an Existing Report................................................................................................. 53 Editing an Existing Report................................................................................................... 54 Running an Existing Report................................................................................................. 55 Bill Pay Bill Pay Overview.........................................................................................................56 Creating a Payee................................................................................................................... 56 Editing a Payee.............................................................................................................58 Deleting a Payee..........................................................................................................59 Schedule Payments.....................................................................................................60 Desktop. ................................................................................................................................ 60 Mobile.................................................................................................................................... 61 Recurring Payments....................................................................................................62 Desktop. ................................................................................................................................ 62 Mobile.................................................................................................................................... 63 Rush Delivery...............................................................................................................64 Editing a Payment.......................................................................................................65 Deleting a Payment.....................................................................................................66 Updating Preferences.................................................................................................67

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Getting Started

Business Online Banking Overview Whether you’re an enterprise, large corporation or small organization, our flexible Business Online Banking can efficiently serve you. Depending on your size, the first steps in banking online are setting up your users and recipients. After setting up these key entities, you can jump right in and experience our state-of-the-art If your business only needs one person with access to Business Online Banking, Roxboro Savings Bank will assign a Company ID, user name and password. This is typical for small companies who primarily use basic Online Banking tools with occasional business transactions. For larger organizations, RSB will assign a Master User who may establish multiple login IDs and passwords for authorized employees in the organization. You can customize which employees get access to different features within Business Online Banking by establishing user entitlements. Recipients Recipients are people or businesses to whom you send or request 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 view the respective transaction details. Each created recipient saves within the system, so you can quickly and easily make future payments. system! Users

Getting Started: Business Online Banking Overview

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Getting Started

Transaction Type Overview

ACH transfers are offered through Business Online Banking. The method is a quick electronic payment. ACH transactions can be sent as a single or batch process, and funds are generally not available until the next business day. Please contact us at 1 (866) 601-6070 for a full list of wire and ACH fees or if you have any questions.

Business Online Banking Transaction Types

Type

Description

Upload a NACHA-formatted file.

ACH Upload

ACH Payment

Send a payment to one recipient.

ACH Batch

Send a payment to several recipients.

ACH Receipt

Initiate a payment from one recipient.

Import a list of recipients and amounts.

ACH Import

Wires are not available in Online Banking at this time. Please contact the bank at 1 (866) 601-6070 for wire instructions.

Wires

Create batches with sensitive information that will prevent additional ACH operators from seeing sensitive information. Send payroll to several recipients. If a recipient has more than one account, you can split that payment into several accounts.

Payroll/ Restricted Batch

Getting Started: Transaction Type Overview

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Business Banking

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 entitlements 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 for multiple entities. • Managing recipients, users and templates. Authorized users can set up the features, accounts and entitlements each user needs to do their job. Establishing these entitlements gives users permission to perform specific tasks, helping you manage your business and keep it running as smooth as possible.

Business Banking: Users Overview

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User Management Overview The User Management page lets you view all your existing users in one easy place. From here, you can create users, edit entitlements and oversee your employees on a day-to-day basis. 10 11 12 13 14 15 16 17 18 19 20 21 22 23 24 25 26 27 28 29 30 1 2 3 4 5 6 7 8 9

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In the sidebar, click Manage Users . A. View the name of each user on the left side of your screen. B. Use the search bar to find a specific user. J3 A3 B3 C3 D3 E3 F3 G3 H3 I3 10a 1a 2a 3a 4a 5a 6a 7a 8a 9a 10b 1b 2b 3b 4b 5b 6b 7b 8b 9b 10c 1c 2c 3c 4c 5c 6c 7c 8c 9c 10d 11a 12a 13a 14a 15a 16a 17a 18a 19a 20a 11b 12b 13b 14b 15b 16b 17b 18b 19b 20b 1d 2d 3d 4d 5d 6d 7d 8d 9d J1 A1 B1 C1 D1 E1 F1 G1 H1 I1 J2 A2 B2 C2 D2 E2 F2 G2 H2 I2

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Business Banking: Users Overview

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

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In the sidebar, click Manage Users . 1. Click the icon. 2. (Optional) Click on the image in the upper left-hand corner to add an avatar, then click the icon to upload an image. 3. Enter the user’s first name, last name and email address. 4. Create a new login ID for the user, then enter and confirm a password following our guidelines. 10a 1a 2a 3a 4a 5a 6a 7a 8a 9a 10b 1b 2b 3b 4b 5b 6b 7b 8b 9b 10c 1c 2c 3c 4c 5c 6c 7c 8c 9c 10d 11a 12a 13a 14a 15a 16a 17a 18a 19a 20a 11b 12b 13b 14b 15b 16b 17b 18b 19b 20b 1d 2d 3d 4d 5d 6d 7d 8d 9d J1 A1 B1 C1 D1 E1 F1 G1 H1 I1 J2 A2 B2 C2 D2 E2 F2 G2 H2 I2 10a 1a 2a 3a 4a 5a 6a 7a 8a 9a 10b 1b 2b 3b 4b 5b 6b 7b 8b 9b 10c 1c 2c 3c 4c 5c 6c 7c 8c 9c 10d 1d 2d 3d 4d 5d 6d 7d 8d 9d J KLMNOPQRST U V W X Y Z A B C D E F G H I K L M N O P U V W X Y Z A B C D E F 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 1a 2a 3a 4a 5a 6a 1b 2b 3b 4b 5b 6b 1c 2c 3c 4c 5c 6c 1d 2d 3d 4d 5d 6d

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5. Enter the user’s phone number. Select a verification method from the drop down, and enter the High Risk Transaction (HRT) SMS phone number.

6. Enter the user’s HRT email address and HRT voice number. 7. Enter the user’s street address, zip code, city and state. J1

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Business Banking: Users Overview

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Part 1 of 4: Establishing Transaction Type Entitlements You can assign or edit a user’s entitlements based on which responsibilities and limitations a user has regarding certain transactions. Here, you can also change a user’s transaction limits.

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1. Choose whether a user can view a specific feature by dragging the transaction to the “+Drag Feature to View” box. A2 B2 C2 D2 E2 F2 G2 H2 I2 J3 A3 B3 C3 D3 E3 F3 G3 H3 I3

Business Banking: Users Overview

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Part 2 of 4: Disabling a Transaction Type If a user should not have access to a certain transaction type such as payroll, an authorized user can disable those entitlements for individual users.

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1. Disable a user’s ability to view a specific transaction by dragging the feature to the “+Drag Feature to Hide” box.

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Business Banking: Users Overview

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Part 3 of 4: Editing Approval Limits for a Transaction Type A user’s approval limits can be adjusted, so you never have to worry about the dollar amount or number of transactions they make. You can set these restrictions for a daily basis, as well as per account.

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1. Click the icon to show the limits for a feature. Edit the maximum amounts a user can send and the maximum number of transactions a user can perform. The maximum number cannot be higher than the business value. 2. Click the Save button when you are finished making changes. 10a 1a 2a 3a 4a 5a 6a 7a 8a 9a 10b 1b 2b 3b 4b 5b 6b 7b 8b 9b 10c 1c 2c 3c 4c 5c 6c 7c 8c 9c 10d 1d 2d 3d 4d 5d 6d 7d 8d 9d J KLMNOPQRST U V W X Y Z A B C D E F G H I Note : You must establish approval limits for single and batch ACH transactions separately.

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Business Banking: Users Overview

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Part 4 of 4: Dual Control If a payment requires dual approval, once one user creates an ACH transaction a second user with ACH approval authority will need to approve the payment before it can be processed. Daily reminders will be sent to all users that have ACH approval authority. They will get a notification for each payment needing approval. If payments aren’t approved before the Deliver By date, they will still remain in a “Needs Approval” status. Once approved, the Deliver By date will update and the notification emails will cease. Single user businesses can also set up dual control by creating a separate user ID for themselves that only has ACH approval authority. For example, they can originate an ACHe transaction on their desktop and approve it through the Roxboro Savings Bank mobile app.

Business Banking: Users Overview

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Business Banking

Authorized users with the Manage Users entitlement 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 Entitlements

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In the sidebar, click Manage Users . 1. Select a user to edit. 2. (Optional) Lock or unlock a user by clicking the Lock User/Unlock User button. 3. Make the necessary changes to the existing user. 4. Click the Save button when you are finished making changes. A3 B3 C3 D3 E3 F3 G3 H3 I3 10a 1a 2a 3a 4a 5a 6a 7a 8a 9a 10b 1b 2b 3b 4b 5b 6b 7b 8b 9b 10c 1c 2c 3c 4c 5c 6c 7c 8c 9c 10d 1d 2d 3d 4d 5d 6d 7d 8d 9d J KLMNOPQRST U V W X Y Z A B C D E F G H I J3

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

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Business Banking: Editing an Existing User’s Entitlements A1 B1 C1 D1 E1 F1 G1 H1 I1 J1

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Business Banking

A recipient is any person or company from whom you can pay or collect payments. For easy access on the Recipient Management page, you can set up individual profiles, so funds can be sent to or collected from a recipient. After they are created, you can include them in multiple payments or templates. Recipient Overview

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In the sidebar, click Business Payments . A. The following information presents for each recipient: • Name 10a 1a 2a 3a 4a 5a 6a 7a 8a 9a 10b 1b 2b 3b 4b 5b 6b 7b 8b 9b 10c 1c 2c 3c 4c 5c 6c 7c 8c 9c 10d 1d 2d 3d 4d 5d 6d 7d 8d 9d

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• Reference Number • Account Number • Account Type • Payment Methods

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Business Banking: Recipient Overview

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Adding a Recipient If you are assigned the Payee Management entitlement, you will need to set up your recipients before you can send payments. In order to add a recipient, you will need to have their contact and account information.

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In the sidebar, click Business Payments . 1. Click the Add Recipients button. 2. Click the Create Payee button.

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Business Banking: Editing an Existing User’s Entitlements

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ACH When adding a payee who will only receive ACH payments, you will need to provide additional information for that recipient.

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1. Check the box next to “ACH.” 2. Select either Consumer or Business from the drop-down. PPD SEC codes are labeled “ Consumer ” and CCD SEC codes are labeled “ Business .” 3. Enter the name of the person or business receiving the ACH. 4. (Optional) Enter the recipient’s email address. 5. Enter a reference number. The reference number is used to differentiate between two recipients with the same name. This field is required and can be populated with an invoice number, employee number or other details unique to the recipient. 6. Enter their account number. 7. Select an account type using the drop-down. 8. Enter their ACH routing number. 9. Click the Next button. J3 A3 B3 C3 D3 E3 F3 G3 H3 I3 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 J1 J2 J3 J1 J2 J3 10a a4a5a6a7a8a9a 10b b4b5b6b7b8b9b 10c 4c 5c 6c 7c 8c 9c 10d a 14a 15a 16a 17a 18a 19a 20a b 14b 15b 16b 17b 18b 19b 20b d4d5d6d7d8d9d J1 1D1E1 F1G1H1 I1 J2 2D2E2 F2G2H2 I2 J3 3D3E3 F3G3H3 I3 10a 6a 7a 8a 9a 10b b 6b 7b 8b 9b 10c 6c 7c 8c 9c 10d a 16a 17a 18a 19a 20a b 16b 17b 18b 19b 20b d 6d 7d 8d 9d J1 1 F1 G1 H1 I1 J2 F2 G2 H2 I2 J3 F3 G3 H3 I3 10a 1a 2a 3a 4a 5a 6a 7a 8a 9a 10b 1b 2b 3b 4b 5b 6b 7b 8b 9b 10c 1c 2c 3c 4c 5c 6c 7c 8c 9c 10d 11a 12a 13a 14a 15a 16a 17a 18a 19a 20a 11b 12b 13b 14b 15b 16b 17b 18b 19b 20b 1d 2d 3d 4d 5d 6d 7d 8d 9d J KLMNOPQRST U V W X Y Z A B C D E F G H I J1 A1 B1 C1 D1 E1 F1 G1 H1 I1 J2 A2 B2 C2 D2 E2 F2 G2 H2 I2 A2 B2 C2 D2 E2 F2 G2 H2 I2 11b 12b 13b 14b 15b 16b 17b 18b 19b 20b 11a 12a 13a 14a 15a 16a 17a 18a 19a 20a 11b 12b 13b 14b 15b 16b 17b 18b 19b 20b a 12a 13a 14a 15a 16a 17a 18a 19a 20a A1 B1 C1 D1 E1 F1 G1 H1 I1 12b 13b 14b 15b 16b 17b 18b 19b 20b A2 B2 C2 D2 E2 F2 G2 H2 I2 1B1C1D1E1 F1G1H1 I1 A3 B3 C3 D3 E3 F3 G3 H3 I3 B2 C2 D2 E2 F2 G2 H2 I2 B3 C3 D3 E3 F3 G3 H3 I3 1a 2a 3a 4a 5a 6a 7a 1b 2b 3b 4b 5b 6b 7b 1c 2c 3c 4c 5c 6c 7c 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 11b 12b 13b 14b 15b 16b 17b 1d 2d 3d 4d 5d 6d 7d 8d 9d 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 19a 11b 12b 13b 14b 15b 16b 17b 18b 19b A1 B1 C1 D1 E1 F1 G1 H1 I1 A2 B2 C2 D2 E2 F2 G2 H2 I2 A3 B3 C3 D3 E3 F3 G3 H3 I3 10 11 12 13 14 15 16 17 18 19 20 21 22 23 24 25 26 27 28 29 30 1 2 3 4 5 6 7 8 9

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Business Banking: Editing an Existing User’s Entitlements

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10. Enter a company entry description. 11. Click the Next button.

J1 12. Review the information and click Submit button when you are finished. 13. You will receive a message that says “Payee Created Successfully,” then click the Close button. Note : The Company Entry Description is a short (10-character) description that informs the receiver of the transaction’s purpose. The receiver will be able to see this description. For example: Payroll, Purchase or Gas Bill. The value entered in this field will be used to populate the Batch Header’s Company Entry Description field in the file when initiating a single-entry transaction. This field is overwritten by the batch description if the user associates the recipient to a batch created within our system. J2 J3

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Business Banking: Editing an Existing User’s Entitlements

19

Review

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1. Review the information and click the Submit button when you are finished. 2. You are presented with a message that says, “Payee created successfully.” Click the Close button. 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

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Business Banking: Editing an Existing User’s Entitlements

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Business Banking

Editing a Recipient

If a recipient’s account or personal information changes, an authorized user can make edits from the Business Payments screen.

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In the sidebar, click Business Payments . 1. Find the recipient you want to edit, click the icon and select “Edit.” 2. Make changes to the recipient’s information. Click the Submit button and, then the Close button.

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Business Banking: Editing a Recipient

21

Business Banking

Deleting a Recipient

If you are assigned the Payee Management entitlement, you have the ability to permanently delete a recipient that is no longer needed. This deletes their contact information from the Business Payments screen, but does not erase the data from any existing payments. To remove a recipient from a saved transaction, you must delete them from the actual transaction.

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icon and select “Delete.” J KLMNOPQRST U V W X Y Z A B C D E F G H I 1a 2a 3a 4a 5a 1b 2b 3b 4b 5b 1c 2c 3c 4c 5c 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 11a 12a 13a 14a 15a 11b 12b 13b 14b 15b 1d 2d 3d 4d 5d A1 B1 C1 D1 E1 A2 B2 C2 D2 E2 A3 B3 C3 D3 E3 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

In the sidebar, click Business Payments . 1. Find the recipient you want to delete, click the 2. Click the Confirm button when you are finished.

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22

Business Banking

Creating a Batch Payee List

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

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In the sidebar, click Business Payments . 1. Click the Add Recipients button. 2. Click the Create Batch Payee List button.

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Business Banking: Creating a Batch Payee List

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10 112 131415 1617 18 1920 122 2324 2526 27 28 2930 1 2 3 4 5 6 7 8 9 J KLMNOPQRST U V W X Y Z A B C D E F G H I 10 314151617 181920 324 2526 27 28 2930 3 4 5 6 7 8 9 J M N O P Q R S T W X Y Z C D E F G H I 10 4151617 181920 4 2526 27 28 2930 4 5 6 7 8 9 J N O P Q R S T X Y Z D E F G H I 10 51617 181920 526 27 28 2930 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 10a 3a 4a 5a 6a 7a 8a 9a 10b 3b 4b 5b 6b 7b 8b 9b 10c 3c 4c 5c 6c 7c 8c 9c 10d 3d 4d 5d 6d 7d 8d 9d 10a 4a 5a 6a 7a 8a 9a 10b 4b 5b 6b 7b 8b 9b 10c 4c 5c 6c 7c 8c 9c 10d 4d 5d 6d 7d 8d 9d J O P Q R S T Y Z E F G H I 1a 12a 13a 14a 15a 16a 17a 18a 19a 20a 1b 12b 13b 14b 15b 16b 17b 18b 19b 20b J1 A1 B1 C1 D1 E1 F1 G1 H1 I1 3a 14a 15a 16a 17a 18a 19a 20a 3b 14b 15b 16b 17b 18b 19b 20b 4a 15a 16a 17a 18a 19a 20a 10a 5a 6a 7a 8a 9a 10b 5b 6b 7b 8b 9b 10c 5c 6c 7c 8c 9c 10d 5d 6d 7d 8d 9d A2 B2 C2 D2 E2 F2 G2 H2 I2 C1 D1 E1 F1 G1 H1 I1 4b 15b 16b 17b 18b 19b 20b J3 A3 B3 C3 D3 E3 F3 G3 H3 I3 C2 D2 E2 F2 G2 H2 I2 D1 E1 F1 G1 H1 I1 J1 J2 J3 C3 D3 E3 F3 G3 H3 I3 D2 E2 F2 G2 H2 I2 5a 16a 17a 18a 19a 20a J1 J2

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11b 12b 13b 14b 15b 16 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 KLMNOPQRST U V W X Y Z A B C D E F G H I A1 B1 C1 D1 E1 F1 A2 B2 C2 D2 E2 F2 A3 B3 C3 D3 E3 F3 10 1a 2a 3a 4a 5a 6a 7a 8a 9a 10 1b 2b 3b 4b 5b 6b 7b 8b 9b 10 1c 2c 3c 4c 5c 6c 7c 8c 9c 10 1d 2d 3d 4d 5d 6d 7d 8d 9d

J2 3. Enter a batch name. 4. Enter a batch description. This field is limited to ten characters or less. The description is automatically added to the NACHA-formatted ACH file. 5. Use the drop-down to select a batch type. Select PPD for consumer or CCD for business. 6. (Optional) Check the box if the transaction is a payroll batch. If enabled, this batch will be restricted to only entitled business users. 7. Select the payment type by checking the appropriate box. 8. Click the Next button. J3 J1 J2

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Business Banking: Creating a Batch Payee List

24

10 17 18 19 20 27 28 29 30 7 8 9 J Q R S T G H I 10a 7a 8a 9a 10b 7b 8b 9b 10c 7c 8c 9c 10d 7d 8d 9d

10 11 12 13 14 15 16 17 18 19 20 21 22 23 24 25 26 27 28 29 30 1 2 3 4 5 6 7 8 9 J KLMNOPQRST 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 11b 12b 13b 14b 15b 16b 17b 18b 19b 20b 1d 2d 3d 4d 5d 6d 7d 8d 9d 10 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 10 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 KLMNOPQRST U V W X Y Z A B C D E F G H I 11 12 13 14 21 22 23 24 1 2 3 4 11a 12a 13a 14a 15a 16a 17a 18a 19a 20a

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9. Check the appropriate boxes to add recipients to a batch. 10. Click the Next button. 11. Enter default amounts for each recipient. J3

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A1 B1 C1 D1 E1 F1 G1 H1 I1 Note : Default amounts are saved to be used for ACH batch transactions. It is also possible to edit the default amounts on a one time basis when setting up an ACH batch transaction. A2 B2 C2 D2 E2 F2 G2 H2 I2 A3 B3 C3 D3 E3 F3 G3 H3 I3

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12. Click the Next button.

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Business Banking: Creating a Batch Payee List

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13. Review payment information and click the Next button. 14. You are presented with a message that says, “Batch created successfully.” Click the Close button when you are finished. J KLMNOPQRST U V W X Y Z A B C D E F G H I

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Business Banking: Creating a Batch Payee List

26

Business Banking

Importing a Batch from File

When creating a batch payment, you can import select ACH, delimited or fixed length files from your device. This allows you to import recipients and amounts

swiftly and efficiently. Import ACH File

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 KLMNOPQRST U V W X Y Z A B C D E F G H I 10 1a 2a 3a 4a 5a 6a 7a 8a 9a 10 1b 2b 3b 4b 5b 6b 7b 8b 9b 10 1c 2c 3c 4c 5c 6c 7c 8c 9c 10 1d 2d 3d 4d 5d 6d 7d 8d 9d

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In the sidebar, click Business Payments . 1. Click the Add Recipients button. 2. Click the Import Batch from File button. 3. Click the Import ACH File button.

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Business Banking: Importing a Batch from File

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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 KLMNOPQRST U V W X Y Z A B C D E F G H I 10a 1a 2a 3a 4a 5a 6a 7a 8a 9a 10b 1b 2b 3b 4b 5b 6b 7b 8b 9b 10c 1c 2c 3c 4c 5c 6c 7c 8c 9c 10d 1d 2d 3d 4d 5d 6d 7d 8d 9d

J1 J3 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 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 11a 12a 13a 14a 15a 16a 17a 18a 19a 11b 12b 13b 14b 15b 16b 17b 18b 19b A1 B1 C1 D1 E1 F1 G1 H1 I1 A2 B2 C2 D2 E2 F2 G2 H2 I2 A3 B3 C3 D3 E3 F3 G3 H3 I3 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 1d 2d 3d 4d 5d 6d 7d 8d 9d K L M N O P Q R S U V W X Y Z A B C D E F G H I 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 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 11 12 13 14 15 16 17 18 19 21 22 23 24 25 26 27 28 29 1 2 3 4 5 6 7 8 9 1a 2a 3a 4a 5a 6a 7a 8a 9a 1b 2b 3b 4b 5b 6b 7b 8b 9b 1c 2c 3c 4c 5c 6c 7c 8c 9c K L M N O P Q R S U V W X Y Z A B C D E F G H I 11 12 13 14 15 16 17 18 19 21 22 23 24 25 26 27 28 29 1 2 3 4 5 6 7 8 9 1a 2a 3a 4a 5a 6a 7a 8a 9a 1b 2b 3b 4b 5b 6b 7b 8b 9b 1c 2c 3c 4c 5c 6c 7c 8c 9c K L M N O P Q R S U V W X Y Z A B C D E F G H I 11 12 13 14 15 16 17 18 19 21 22 23 24 25 26 27 28 29 1 2 3 4 5 6 7 8 9 1a 2a 3a 4a 5a 6a 7a 8a 9a 1b 2b 3b 4b 5b 6b 7b 8b 9b 1c 2c 3c 4c 5c 6c 7c 8c 9c 11a 12a 13a 14a 15a 16a 17a 18a 19a 11a 12a 13a 14a 15a 16a 17a 18a 19a 1d 2d 3d 4d 5d 6d 7d 8d 9d 1d 2d 3d 4d 5d 6d 7d 8d 9d 11b 12b 13b 14b 15b 16b 17b 18b 19b 1d 2d 3d 4d 5d 6d 7d 8d 9d J2

10 12 13 14 15 16 17 18 19 20 22 23 24 25 26 27 28 29 30 2 3 4 5 6 7 8 9 J L M N O P Q R S T V W X Y Z B C D E F G H I 10 12 13 14 15 16 17 18 19 20 22 23 24 25 26 27 28 29 30 2 3 4 5 6 7 8 9 10a a2a3a4a5a6a7a8a9a 10b b2b3b4b5b6b7b8b9b 10c 2c 3c 4c 5c 6c 7c 8c 9c 10d d2d3d4d5d6d7d8d9d J L M N O P Q R S T V W X Y Z B C D E F G H I 10a a2a3a4a5a6a7a8a9a 10b b2b3b4b5b6b7b8b9b 10c 2c 3c 4c 5c 6c 7c 8c 9c 10d d2d3d4d5d6d7d8d9d a 12a 13a 14a 15a 16a 17a 18a 19a 20a a 12a 13a 14a 15a 16a 17a 18a 19a 20a b 12b 13b 14b 15b 16b 17b 18b 19b 20b b 12b 13b 14b 15b 16b 17b 18b 19b 20b 1B1C1D1E1 F1G1H1 I1 1B1C1D1E1 F1G1H1 I1 2B2C2D2E2 F2G2H2 I2 2B2C2D2E2 F2G2H2 I2 3B3C3D3E3 F3G3H3 I3 3B3C3D3E3 F3G3H3 I3 J1 J1 J2 J2 J3 J3

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

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

A1 B1 C1 D1 E1 F1 G1 H1 I1

J1

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

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

4. Click the Choose File button to choose a file to upload. 5. Follow these steps to upload a new file: a. Use the drop-down and select “Add a new batch.” b. Enter the batch name. (10 Characters Maximum)

6. Follow the steps to update an existing file: a. Use the drop-down and select “Update existing batch.” b. Select a batch from the drop-down. c. (Optional) Check the box to add new payees to the batch. 7. (Optional) Check the box to create a payroll batch. If enabled, this batch will be restricted to only entitled business users. 8. Click the Next button. 9. Review the information and click the Confirm button. 10a 1a 2a 3a 4a 5a 6a 7a 8a 9a 10b 1b 2b 3b 4b 5b 6b 7b 8b 9b 10c 1c 2c 3c 4c 5c 6c 7c 8c 9c 10d 11a 12a 13a 14a 15a 16a 17a 18a 19a 20a 11b 12b 13b 14b 15b 16b 17b 18b 19b 20b 1d 2d 3d 4d 5d 6d 7d 8d 9d J1 A1 B1 C1 D1 E1 F1 G1 H1 I1

Business Banking: Importing a Batch from File A2 B2 C2 D2 E2 F2 G2 H2 I2 J2

J3

A3 B3 C3 D3 E3 F3 G3 H3 I3

28

Import Delimited File

Delimited files must include the following columns: • Amount: Format column as dollars in Excel. • Reference number: Employee ID, Invoice Number, etc.

• Type of payment: Must read Consumer for PPD or Business for CCD. • Name of person receiving funds: special characters not allowed, i.e. John & Mary Smith • Account number where funds will be sent: Format column as text in Excel so that leading zeros populate correctly. This will ensure they are mapped correctly. • Routing Number where funds will be sent: Format column as text in Excel so that leading zeros populate correctly. This will ensure they are mapped correctly. • Account Type: Checking or Savings • Payment Type: Credit or Debit

Note : Columns do not have to be in this order and do not require a heading.

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 KLMNOPQRST U V W X Y Z A B C D E F G H I 10 1a 2a 3a 4a 5a 6a 7a 8a 9a 10 1b 2b 3b 4b 5b 6b 7b 8b 9b 10 1c 2c 3c 4c 5c 6c 7c 8c 9c 10 1d 2d 3d 4d 5d 6d 7d 8d 9d

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

In the sidebar, click Business Payments . 1. Click the Add Recipients button. 2. Click the Import Batch from File button.

11a 12a 13a 14a 15a 16a 17a 18a 19a 2

11b 12b 13b 14b 15b 16b 17b 18b 19b 2

A1 B1 C1 D1 E1 F1 G1 H1 I1 J A2 B2 C2 D2 E2 F2 G2 H2 I2 J A3 B3 C3 D3 E3 F3 G3 H3 I3

Business Banking: Importing a Batch from File

29

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 KLMNOPQRST 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 KLMNOPQRST U V W X Y Z A B C D E F G H I 10a 1a 2a 3a 4a 5a 6a 7a 8a 9a 10b 1b 2b 3b 4b 5b 6b 7b 8b 9b 10c 1c 2c 3c 4c 5c 6c 7c 8c 9c 10d 1d 2d 3d 4d 5d 6d 7d 8d 9d 10a 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 A2 B2 C2 D2 E2 F2 G2 H2 I2 11a 12a 13a 14a 15a 16a 17a 18a 19a 20a A3 B3 C3 D3 E3 F3 G3 H3 I3 11b 12b 13b 14b 15b 16b 17b 18b 19b 20b J3

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

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 KLMNOPQRST 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 KLMNOPQRST 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

A1 B1 C1 D1 E1 F1 G1 H1 I1

J1

J2

A2 B2 C2 D2 E2 F2 G2 H2 I2

J2

J3 A3 B3 C3 D3 E3 F3 G3 H3 I3 3. Click the Import Delimited File button. 4. Click the Choose File button to choose a file to upload. 5. Check this box to use saved mapping from a previous import. 6. Follow these steps to add a new batch: a. Use the drop-down and select “Add a new batch.” b. Enter the batch name. Batch names within the same business cannot be repeated. A2 B2 C2 D2 E2 F2 G2 H2 I2 J3 A3 B3 C3 D3 E3 F3 G3 H3 I3 11a 12a 13a 14a 15a 16a 17a 18a 19a 20a 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 J1 J1 A1 B1 C1 D1 E1 F1 G1 H1 I1 A1 B1 C1 D1 E1 F1 G1 H1 I1 J2 J2 A2 B2 C2 D2 E2 F2 G2 H2 I2 A2 B2 C2 D2 E2 F2 G2 H2 I2 J3 J3 A3 B3 C3 D3 E3 F3 G3 H3 I3 A3 B3 C3 D3 E3 F3 G3 H3 I3

Business Banking: Importing a Batch from File

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