Skagit Bank Business Online Banking Resource Guide

Business Online Banking Resource Guide

Genuine Lasting Relationships

Published by Murphy & Company, Inc. 13610 Barrett Office Dr. St. Louis, MO 63021 www.mcompany.com

© 2009-2016 Murphy & Company, Inc. Microsoft, Microsoft Money, Windows and Internet Explorer are registered trademarks of Microsoft Corporation. Firefox is a registered trademark of the Mozilla Foundation. Quicken is a registered trademark of Intuit, Inc. Macintosh is a registered trademark of Apple Computer, Inc. Adobe Reader are registered trademarks of Adobe Systems Incorporated in the United States and/or other countries. © 2012 Portions of this guide are written by Q2 eBanking. 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

At Skagit Bank, we work hard to provide our customer with the financial tools they need to achieve the goals in life that matter. One of those important tools is Online Banking. Our Online Banking system is designed for ease of use. Whether you access it from your desktop, tablet or smart phone, it looks and functions the same across all devices. It is full of powerful features that make it easy to keep track of your finances. We invite you to take a moment to learn more about the convenience of Online Banking with Skagit Bank.

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Table of Contents

General Information Security.................................................................................................4 Logging in...........................................................................................8 Home.....................................................................................................9 Messages Messages...........................................................................................10 Transactions Account Details...............................................................................11 Funds Transfer..................................................................................12 Activity Center.................................................................................13 Statements........................................................................................14 Business Bill Pay Getting Started................................................................................15 Navigation.........................................................................................16 View Scheduled Transactions.....................................................17 Single Payment: Individual..........................................................18 Single Payment: Bill........................................................................19 Edit a Single Payment....................................................................20 Create a Recurring Payment.......................................................21 Edit a Recurring Transaction.......................................................22 Payment Approval..........................................................................23 Add a Payee......................................................................................24 Edit a Payee.......................................................................................25 Import Payees..................................................................................26 Manage Categories........................................................................27 Company Profile..............................................................................28 Manage Bill Pay Accounts............................................................29 Modify User Permissions..............................................................30 Personal Profile................................................................................31 e-Notifications.................................................................................32 Reports...............................................................................................33 Commercial Payments...........................................................................................34 Recipient Setup...............................................................................38 Edit a Recipient................................................................................40 ACH Pass Thru..................................................................................41 Tax Payment......................................................................................42 Subsidiary Setup.............................................................................43 Edit Subsidiary.................................................................................44 User Setup.........................................................................................45 Assign User Rights..........................................................................46 Edit a User..........................................................................................48

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Services Address Change..............................................................................49 Check Reorder..................................................................................50 Stop Payment...................................................................................51 Settings Profile..................................................................................................52 Alerts...................................................................................................53 Security Alerts..................................................................................54 Account Preferences......................................................................55 Security Preferences......................................................................56 Statement Delivery........................................................................57 Mobile Authorizations..................................................................58 Mobile Deposit Enrollment.........................................................59 Mobile Deposits..............................................................................60 Text Enrollment...............................................................................61 Locations Branches and ATMs........................................................................62

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General Information

Security

By following our tips, Online Banking with Skagit Bank can be a safe and efficient method for handling your banking needs. For additional security tips, visit www.skagitbank.com. User Identification and Password Security starts at your computer. Never share your Login ID or password with anyone, and always keep your login information in a safe place. To make your passwords hard to guess, avoid using your pet’s name, hometown, or other personally identifiable choices and combine random numbers instead of using your birth date. Secure Sockets Layer Encryption We use Secure Sockets Layer (SSL) encryption, a trusted method of securing internet transactions. This technology scrambles data as it travels between your computer and Skagit Bank, making it difficult for anyone to access your account information. Secure Access Code You need a Secure Access Code to access your accounts when you log in to Online Banking with Skagit Bank for the first time or the first time from any new device. This code is delivered to you via email, phone call or SMS text message. You can opt to have your device registered so that you do not have to complete the Secure Access Code process the next time that you access our Online Banking system from that same device. If you delete the security certificate or “cookie” that recognizes your device as previously registered, you will need to request another Secure Access Code.

Online Banking Safety Tips: • Ensure your web browser, operating system, anti-virus software and other

applications are current and support 128-bit encryption. • Memorize your passwords and change them regularly. • Exit your Online Banking session when finished.

• Do not leave your computer unattended when logged in to Online Banking. • Do not access your Online Banking on public computers or unsecured Wifi networks. • If you receive an error when logged in to your account, report the error to a customer service representative at 800-246-4402.

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General Information

Security

Skagit Bank will never send unsolicited emails asking you to provide, update or verify personal or confidential information via return email. If you receive an alleged email inquiry from Skagit Bank, please report the incident to a customer service representative as quickly as possible. To reduce the risk of online fraud and identity theft, your first and best protection is awareness. Phishing Phising is an online scam tactic that lures users into unknowingly providing personal data such as credit card information or Login IDs and Passwords. By using realistic- looking emails and websites, this tactic attempts to gain the trust of unsuspecting targets and convinces them that vital information is being requested by vendor that they may already have relationship with, such as their financial institution. Identity Theft Identity theft can occur when criminals find a way to steal your personal or other identifying information and assume the use of that data to access your personal accounts, open new accounts, apply for credit, purchase merchandise and commit other crimes using your identity. It is important to be aware of the dangers of identity theft so that you can take the steps to avoid becoming a victim. Logging Off As a secure practice, you should log off of your Online Banking session before you close the browser window or anytime you walk away from your computer. Additionally, Skagit Bank will log you off automatically due to inactivity or when your Skagit Bank session reaches the maximum time limit. Fraud Prevention Tips: • Do not open email attachments or click on a link from unsolicited sources. • Avoid completed email forms or responding to messages that ask for personal or financial information. Do not trust an email asking you to use a link for verification of login or accounts details. • Monitor your account transactions for unauthorized use. • Shred old financial information, invoices, charge receipts, checks, unwanted pre-approved credit offers and expired charge cards before disposing of them. • Contact the sender by phone if you are suspicious of an email attachment.

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General Information

New Enrollment

1. Type www.skagitbank.com into the address bar on your browser and go to the Online Banking tab on the Home Page. Under New Users , click Sign Up and select Click Here to set up online access for business accounts. 2. This opens the Online Banking new enrollment form screen. Enter all the required information. The details that your provide will be verified by comparing them to the current contact information in our system. When finished, click Submit Enrollment . If you need to update your contact information, please call us during our business hours at 800-246-4402. 3. A new browser window will open congratulating you for successfully enrolling in Online Banking. Make note of your temporary password because you will need it to log in to Online Banking with Skagit Bank and complete the enrollment process. You will receive an email when your enrollment into Online Banking has been approved. Click on the link provided to be redirected to the Home Page and click on the Online Banking Sign In box. 4. Enter your newly created Login ID and click Login . In the new screen, enter your temporary password and click Login . 5. You will be directed to a page where you will select the delivery method of your Secure Access Code. This page will display the contact information on file for your account. Select either the phone, text message or email option that will enable Skagit Bank to reach you immediately with your one-time Secure Access Code. If the contact information we have on file is inaccurate or out-of-date, you cannot proceed further. Please contact us at 800-246-4402 to update your contact information. 6. Review the Welcome First Time User screen, which presents a PDF link of the Online Banking Services Agreement. Click the link to view the agreement and read and acknowledge that you agree to the conditions by clicking I Accept . 7. An online profile screen will appear for your review. Complete or correct any fields as necessary and click Submit then OK to continue. 8. Now you can change your password. Use your temporary password as your old password. For your protection, you will need to create a password that meets the stated security criteria. Click Submit . When the pop-up window appears, click OK to confirm. 9. When you receive your six to eight-digit Secure Access Code, enter it on the access code screen and then click Submit . The single-use code is valid for only thirty minutes. If it expires before you are able to use it, you must request a new. If you happen to close the login screen and receive the code, follow the above steps again but instead select “I already have a Secure Access Code” . 10. Once your code is accepted, you will be asked if you would like to register your device. If you register your device, you will not have to request a new Secure Access Code when you use that device in the future. Select one of the options presented and Submit . 11. Congratulations! You are now logged in to Online Banking with Skagit Bank.

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General Information

Current Banking Users

1. Type www.skagitbank.com into the address bar on your browser, and go to the Online Banking Login box on the Home Page. Enter your current Login ID and click Login . If you have forgotten your Login ID, please contact us at 800-246-4402. 2. You will be directed to a page where you will select the delivery method of your Secure Access Code. This page will display the contact information on file for your account. Select either the phone, text message or email option that will enable Skagit Bank to reach you immediately with your one-time Secure Access Code, then click Submit . If the contact information we have on file is inaccurate or out-of-date, you cannot proceed further. Please contact us at 800-246-4402 to update your contact information. 3. When you receive your six to eight-digit Secure Access Code, enter it on the access code screen and then click Submit . The single-use code is valid for only thirty minutes. If it expires before you are able to use it, you must request a new secure access code. If you happen to close the login screen and receive the code, follow the above steps again but instead select “I already have a Secure Access Code” . 4. Once your code is accepted, you will be asked if you would like to register your device. If you register your device, you will not have to request a new Secure Access Code when you use that device in the future. 5. You will then be prompted to change your password. For your protection, you will need to create a password that meets the stated security criteria. When finished, click Submit . 6. A view-only online profile screen will appear for you to review. It will be grayed- out and you cannot make any changes at this point. At this time, note any contact information that you would like to change in the future. Once you have accessed Online Banking, you can use the Address Change screen to make corrections. Click Submit , then OK to continue. 7. You are now presented with a copy of the Online Banking Services Agreement. Read and acknowledge that you agree to the conditions by clicking I Accept . 8. Congratulations! You are now logged in to Online Banking with Skagit Bank.

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General Information

Logging in

Once you have enrolled as a new user, and logged into Online Banking at least once, follow these steps for subsequent logins.

1. From our website, click Online Banking Sign In . 2. On the next page, enter your Login ID and Password and click Log In . 3. If you don’t remember your password, simply click “ Forgot your Password?” and select where you would like to receive your Secure Access Code, and then follow the instructions to re-establish a password. Should I register my device? If this device is a “private” device where you have exclusive access, you may want to register your device to have it recognized for future logins to save time. We do not recommend registering a public device where other people could have access to the same computer like at a public library. Logging Off As a secure practice, you should log off your Online Banking session with Skagit Bank before you close out of Online Banking or anytime you walk away from your computer. Additionally, Skagit Bank Online Banking will log you off automatically due to inactivity or when your Online Banking session reaches the maximum time limit.

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General Information

Home

The Home Page will give you an overview of all of your accounts at Skagit Bank with available balances, all displayed conveniently in a comprehensive list. To View an Overview of Your Accounts:

1. For account transaction history, click the Account Name to view the Account Details screen. From here you can view transaction details by clicking the transaction. 2. Click the Edit button, and you will be directed to Account Preferences where you can modify the nicknames of accounts as well as the order in which they appear. To Print a quick summary of your current available funds in all your accounts, click the icon. 3. If you are in a hurry, there is an option for easy access tools in the top right corner. These Quick Action options allow you to swiftly transfer money.

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Messages

Messages

The Message Center allows you to communicate securely with your bank. Check here for your alerts, replies to your inquiries and bank communications. To View Messages:

Click on the Messages tab. 1. Messages are listed on the left side of the screen. Click the message that you would like to read and the entire message will appear on the right. 2. If you would like to delete a message, click the icon, or you can reply to a message by clicking the icon. Both icons are located in the upper right corner of your message. 3. Create a new message by selecting New Conversation . 4. Messages automatically expire after a certain period of time. A message can be saved indefinitely by clicking " This message should never expire " box.

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Transactions

Account Details

To View Account Details:

From your Home Page , click on an account for more information. 1. For account transaction history, click the account name to view the Account Details screen. You can view transaction details by clicking the transaction. 2. If you click on the description of a specific transaction, you will see more details of that transaction. You can then get more information, like the image of a check, by clicking a single element. 3. Click Ask about transaction to send a message to Skagit Bank. 4. If you choose to Show Filters , can to sort out particular transactions to view, export or print. Once you’ve made your selections, click Apply Filters . 5. Click the icon to Print your filtered transactions. 6. When working from your computer, you can also Export your filtered selection.

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Transactions

Funds Transfer

Online Banking enables you to quickly and easily transfer funds between your Skagit Bank accounts. To Transfer Funds:

In the Transactions tab, click on Funds Transfer . 1. Select the accounts that you wish to transfer funds From and To using the drop- down menus. 2. Enter the dollar Amount and Date to process the transaction and enter a memo if you want. 3. If you wish to setup a recurring transaction, click the check box “ Make this a recurring transaction .” New input fields will appear, and you will need to specify the Frequency and Date Range for this transaction. You can choose to make this transaction Repeat Forever by checking the box under Frequency . 4. When you finished entering all of the needed information, select Transfer Funds . 5. If successful, a screen with an overview of your transaction will appear. All funds transfers will appear in the Activity Center , whether immediate or future-dated. You can view them at this time or click Close and review at your convenience.

You can view or cancel unprocessed transactions by accessing the Recurring Transactions tab within the Activity Center.

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Transactions

Activity Center

The Activity Center shows transaction activity initiated through Online Banking with Skagit Bank. Depending on the type of account and your accessibility, you can review, approve and cancel unprocessed transactions. You can view the status, type, amount, date of activity and amount of debits and credits from a single and recurring transactions. To View Online Transactions:

In the Transactions tab, click on Activity Center . 1. You can choose to view Single Transactions , Recurring Transactions , or Deposited Checks by clicking on the appropriate tab at the top. 2. Click on a transaction to view more details. 3. Click Show Filters for additional search options. 4. You can search transaction descriptions by typing a word or phrase in the text bar and clicking Search . 5. Select Actions to perform additional functions, such as to Copy a transaction, or choose Inquire to compose secure messages to Skagit Bank.

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Transactions

Statements

The Statements feature is a great virtual filing system, saving paper and space in your home or office by allowing you to view and store your statements electronically. To View Your Statements:

In the Transactions tab, click on Statements . 1. To verify that you are able to view a PDF on your computer or smart device, you will need to click the Get Code button. 2. A new screen containing your code will open. Type that code into the verification code field, then click Verify . 3. Using the drop-down menus, select the Account , Date and Document Type for your statement, then click Get Statement.

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Business Bill Pay

Getting Started

With Bill Pay, you can conveniently make one-time payments or set up auto payments so that you do not have to remember to complete a transaction each month. It is easy to set up national billers to pay your phone bill or credit cards as well as pay the lawn maintenance company. The first time that you click the Bill Payment tab, you will be asked to choose an account to use within Bill Pay and to accept the terms and conditions. To Get Started with Bill Pay:

In the Transactions tab, click on Bill Payment . 1. Across the top, you will see the Payments, Payees , and Options tabs where you can quickly navigate the different areas of Bill Pay. 2. New or unread messages will be under the New Messages tab. 3. Scheduled Transactions show the next thirty days of scheduled transactions. 4. In the Attention Required area, you will see a list of payees awaiting activation or payments waiting approval.

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Business Bill Pay

Navigation

Clicking on each tab across the top will provide you with different options to add payments or payees as well as manage user access. These tabs make navigating Bill Pay quick and efficient. Some menu items such as Single Payment or Recurring Payment have additional options that appear when clicked. To Navigate Bill Pay:

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Business Bill Pay

View Scheduled Transactions

Bill Pay with Skagit Bank is simple. To view scheduled transactions that will be debited from your accounts, follow the instructions below. To View Scheduled Transactions:

In the Transactions tab, click on Bill Payment . 1. Click the Payments tab. 2. Select Scheduled Transactions ; a new window will open listing all open pending payments. 3. To view a payment, click View Details . 4. A payment can be edited by clicking Edit then changing the details on the next screen. 5. A payment can be stopped completely prior to processing by clicking Stop .

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Business Bill Pay

Single Payment: Individual

When you need to send one-time payments, like to your hairdresser, babysitter, or a fundraiser, a single payment would be appropriate. Follow the instructions below to pay an individual. Payees created through this process will be stored for future use. To Pay an Individual:

In the Transactions tab, click on Bill Payment . 1. Click the Payments tab. 2. Select Single Payment and then For an individual from the new selections. 3. A new screen will appear where the payee can be paid electronically or by check. Even with electronic payment, not all of the information

needs to be known. If you do not have all of their banking information, select the radio

button for “ Allow them to provide their banking information .” 4. Fill in the known information and click Next so that Skagit Bank can contact the individual for banking information. 5. If banking account information is known, select “ I have the bank account information ” and enter the information necessary.

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Single Payment: Bill

Business Bill Pay

When you need to send a payment to your lawn maintenance or electric company, a single, one-time payment may be appropriate. Follow the instructions below to pay a bill. You can enter information for national or local companies. Payees created through this process will be stored for future use. To Pay a Bill:

In the Transactions tab, click on Bill Payment . 1. Click the Payments tab. 2. Select Single Payment and then For a Bill from the new selections. 3. Select a payee from the list. 4. Be sure to select the Account to pay from. 5. Use the convenient Calendar in which to choose the Process Date. 6. An Invoice or Comment can be added by clicking Invoice/ Comment . 7. Click Submit to authorize the payment to be debited from your account on the process date for electronic payments.

A payee must be activated before a payment can be scheduled. This can be done in the Payee list or in e-Notifications.

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Business Bill Pay

Edit a Single Payment

Changes can be made to a scheduled payment by following the instructions below. This can be done up until the time of processing. To Edit a Single Payment:

In the Transactions tab, click on Bill Payment . 1. Click the Payments tab. 2. Select Scheduled Transactions . 3. Click Edit on the new screen to edit the details of the transaction. 4. Click Submit when complete.

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Business Bill Pay

Create a Recurring Payment

Staying on top of your bills is made easier with Recurring Payments. You can choose to create recurring payments at specific intervals for each bill. Setting up a recurring payment takes only a few moments and saves you time from not having to enter a payment each time a bill is due. You can also choose to receive a reminder of the pending bill instead. To Create a Recurring Payment:

In the Transactions tab, click on Bill Payment . 1. Click the Payments tab.

2. Select Recurring Payment and then choose whether the payment will be for a bill or an individual. The process will be similar to creating a Single Payment with the additional options of frequency. 3. Be sure to select an account to Pay From as well as the Amount . You can also add a Comment . 4. Designate the frequency would like this payment made as well as if/when you would like this payment series to end. 5. Click Submit .

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Business Bill Pay

Edit a Recurring Transaction

Recurring transactions can be edited at any time. You can change the frequency or date of the recurring transaction or delete it entirely. To Edit a Recurring Transaction:

In the Transactions tab, click on Bill Payment . 1. Click the Payments tab. 2. Select Scheduled Transactions ; a new window will open listing all open pending payments. 3. Click Edit on the new screen

and then edit the details of the transaction. Scheduled transactions can be skipped or changed.

4. Click Submit when completed.

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Business Bill Pay

Payment Approval

Sometimes, depending on how a user is set up and what rights are assigned to the user, a payment can be designated as “needs approval.” You will see notifications of payments awaiting approval in the Attention Required Area center. An authorized user must log in to approve each transaction that hits certain criteria. To Approve a Payment:

In the Transactions tab, click on Bill Payment . 1. Click the Payments tab. 2. Click Payments Awaiting Approval on the right side of the screen. 3. A new screen will open showing all pending payments awaiting approval. Click Approve to authorize each transaction. 4. You can view or edit a transaction by clicking View Details or Edit .

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Business Bill Pay

Add a Payee

You can start the Bill Pay process by creating a payment, or you can start by inserting the information for each payee. Adding companies, individuals, or financial institutions that you pay frequently makes future Bill Payments simple and efficient. To Add a Payee:

In the Transactions tab, click on Bill Payment . 1. Click the Payees tab. 2. Click Add a Payee . 3. Choose what type of payee Go There Now link below the appropriate type. 4. Enter the required information on the next few pages. 5. Click Next to continue adding all necessary information, and then click Submit Payee . 6. The last page will ask whether you would like to Schedule a Payment to this Payee or Add another Payee .

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Business Bill Pay

Edit a Payee

Editing the simple details of a payee is within your Bill Pay. For more complicated changes, please submit a Payee Change Request to Skagit Bank. To Edit or Delete a Payee:

In the Transactions tab, click on Bill Payment . 1. Click the Payees tab. 2. Click View Payees .

3. Payees can be sorted by clicking the tabs across the top. 4. To edit a payee, click Edit at the end of the payee’s row. 5. Edit the payee’s information. When completed, click Save . 6. If additional payment details for this payee need to be changed, click Submit a Payee Change Request . 7. Payees can also be activated from this area.

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Business Bill Pay

Import Payees

Payees used in QuickBooks or Quicken can be imported easily through the Import Payees function. To Import Payees:

In the Transactions tab, click on Bill Payment . 1. Click the Payees tab. 2. Click Import Payees . 3. Click the link to import payees from QuickBooks or Quicken.

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Business Bill Pay

Manage Categories

Categories are groups of payees that help organize your bills and create your budgets.

To Manage Categories:

In the Transactions tab, click on Bill Payment . 1. Click the Payees tab. 2. Click Manage Categories . 3. You can move payees into new categories by clicking and dragging their names into the category. 4. Match payees and categories by using the drop-downs. Click Add to Category when a desired match made. 5. To remove a category, click Remove next to the appropriate category. All payees in that category will now appear in the area Payees Not Assigned to a Category section at the top. 6. Click Add New Category to create a brand new category.

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Business Bill Pay

Company Profile

Easily change information associated with your account at Skagit Bank by modifying your company profile. To Modify Company Profile:

In the Transactions tab, click on Bill Payment . 1. Click the Options tab. 2. Click Company Profile .

3. Change the information that Skagit Bank has on file for your company. 4. Change whether Dual Requirements are required by toggling On/Off . 5. Be sure to click Submit when completed.

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Business Bill Pay

Manage Bill Pay Accounts

Easily add or edit your Bill Pay accounts through the Manage Bill Pay Accounts function. To Manage Bill Pay Accounts:

In the Transactions tab, click on Bill Payment . 1. Click the Options tab. 2. Click Manage Bill Pay Accounts . 3. Select the Bill Pay Accounts tab to Edit or Delete an account. 4. Select the Add New Account tab to input information to create a new account to use in Bill Pay, then click Submit .

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Modify User Permissions

Business Bill Pay

You should monitor the users that have access to your account. Through User Permissions, you can give each user different access to your accounts, amount of debit allowable, and designate other permissions. Carefully consider each user’s permissions. To Modify User Permissions:

In the Transactions tab, click on Bill Payment . 1. Click the Options tab. 2. Click Manage Users . 3. Select a user to modify then, click Permission Settings . 4. On the new screen, the current permissions are displayed. To change any elements, click Edit User Permissions . 5. After this, the categories on the left are selected, and permissions can be changed for different features within Bill Pay. Simply select or deselect blue check boxes next to a feature. 6. Be sure to click Save Changes before exiting. 7. Original permissions can be restored at any time by clicking Restore Original Permissions . This restore applies to all elements of user permissions for this particular user.

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Business Bill Pay

Personal Profile

It is important to keep the contact information about your company up-to-date with Skagit Bank. You can easily change these elements and personalize your Bill Pay experience by following the steps below. The Challenge Phrases can also be altered here. To Modify Personal Profile:

In the Transactions tab, click on Bill Payment . 1. Click the Options tab.

2. Click Personal Profile , and a menu will appear with additional options. • View Contact Info: Contact information, such as Phone Numbers, Email Address, or Text Message Numbers, can be changed here. • Default Page: This is the page where you can specify which page Bill Pay opens up in, such as Home Page, Main, Single payment, Calendar, or shortcut. • Challenge Phrases: Here, the challenge responses can be changed.

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Business Bill Pay

e-Notifications

Skagit Bank makes staying on top of payments and bills simple, but it becomes even easier when you set up e-Notifications in your account. There are several triggers that can send an e-Notification so that you are always on top of what is happening with your accounts. To Modify e-Notifications:

In the Transactions tab, click on Bill Payment . 1. Click the Options tab.

2. Click e-Notifications , and a menu will appear with additional options. • Event : Develop customized communications where you are notified each time a particular event occurs through this Bill Pay account. • Logout : Choose to receive a customized email summary of Bill Pay activities. • Recurring : Email notifications can provide a list of Bill Pay information. • Reminders : Schedule reminders for each time payments need to be made or funds need to be.

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Business Bill Pay

Reports

A report, or detailed overview of your spending habits, can be created, helping you better manage your finances. You can view them on your computer or download them locally to your hard drive or device. To Create or Run a Report:

In the Transactions tab, click on Bill Payment . 1. Click the Options tab. 2. Click Reports . 3. Choose a Report Type listed on the left. 4. A new window will open with designators to customize the report. When satisfied, click Create Report . 5. The report will appear in the same window, where the option will be presented to print or export the report to an electronic file.

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Commercial

Payments

Making payments within Online Banking is simple when you create templates for each type of transaction that you frequently make. Be sure to monitor who can to create or modify a template by altering user rights. Template Overview:

In the Commercial tab, click on Payments . 1. Templates can be viewed in either list or grid form. You can change the view by clicking List or Grid near the right-hand corner of any page in the Payments section. 2. Click the icon to edit a template. 3. Click the icon to favorite a template. 4. Click the icon to copy a template. 5. The Last Amount that was paid and the Last Date each template was used are also listed. 6. You can Search templates by entering a term in the search box or by choosing a Filter type from the drop-down.

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Commercial

Payments

The Payments tab allows you to establish one-time or recurring payments. From here, you can create templates to automate your routine payments. The following template and payment types include a single-recipient:

• ACH Payment • Domestic Wire • ACH Receipt • International Wire The following transaction types include multiple-recipients: • ACH Batch • ACH Collection • Payroll

Step One: Info and Users

In the Commercial tab, click on Payments . 1. Select an available template or create a template by choosing New Template in the upper right corner. If you choose to create a new template, type a unique name in the space provided. 2. Indicate which users will have access to this template in the Info & Users tab. Check the box next to the recipient’s name or type their name in the search bar. 3. When you have established a template name and user access, click Next .

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Commercial

Payments

Step Two: Recipient and Amount

1. Check the box next to the recipient’s name or type their name in the search bar. 2. Enter the Amount you wish to pay the recipient. You can also include an Addendum . 3. You can also add another recipient at this point and remain within your template. Click Add Recipient , it will direct you to the Add Recipient page, and then you will conveniently return to where you were in the payment workflow. 4. Once you have selected the recipients and entered payment amounts for each, click Next .

When using the ACH Template in the Recipients and Amount Step, choose whether the ACH class code is for an Individual (PPD) or Company (CCD).

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Payments

Commercial

Step Three: Account

1. Choose the Account you wish to withdraw from. 2. When finished, click Next .

Step Four: Review & Submit

1. Select the Effective Date . 2. Review the information, and click Save 3. Depending on your user rights, select Draft or Approve .

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Commercial

Recipient Setup

A recipient is any person or business that receives payments from your business. After a recipient is created, you can simultaneously include them in multiple payments or templates. Each entry contains the recipient’s contact and account information. To Add a Recipient:

In the Commercial tab, click on Recipients . 1. Click Add Recipient on the right. 2. Fill out the required information regarding the recipient. Fields marked with an asterisk are required fields. 3. Click Add Account on the right or Next . A new tab will appear called Account New .

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Commercial

Recipient Setup

4. Select the Account Type, and then enter the Account and Routing Number . 5. If you plan to use this account with wire transfers, you will need to enter the Name , Country , and Postal Address . 6. If you plan on using this recipient for international wires, you will need to select the type of internal account and enter the IBAN or SWIFT/BIC number. 7. Click Create Recipient when finished.

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Commercial

Edit a Recipient

To Edit a Recipient:

In the Commercial tab, click on Recipients . 1. Find the recipient whose rights you would like to change, and then click the icon to edit. 2. Make the necessary changes, then click Save . 3. To Delete a recipient , click Delete . Verify by clicking Yes, and then Close when you are finished.

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Commercial

ACH Pass Thru

If you use a software package that can generate a file of ACH transactions, you can upload it to our website using this page. To Import ACH Transactions:

In the Commercial tab, click on ACH Pass Thru . 1. Indicate which file you would like to import.

2. Choose the Process Date. 3. Click Submit when finished.

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Commercial

Tax Payment

Never run to the local branch with a tax payment check again! Initiate a Federal or State Tax Payment through the Electronic Federal Tax Payment System (EFTPS) from your home or office up to thirty days in advance. To Initiate a Tax Payment:

In the Commercial tab, click on Tax Payments . 1. Select Tax Authority using the drop-down menu. 2. Choose a form from the list by clicking on it. 3. Enter the required information for the payment, and then click Submit .

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Commercial

Subsidiary Setup

Subsidiaries are alternate or secondary company profiles that are used when your business requires transactions for multiple entities. If you operate a relatively small firm with just a few accounts, this section may not apply to you. To Add a Subsidiary:

In the Commercial tab, click on Subsidiaries . 1. On the Subsidiary Management page, click Add Subsidiary . 2. Fill out the required information. 3. Click Create Subsidiary when finished. The required fields in the Add Subsidiary page vary depending on the payment types that you select.

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Commercial

Edit Subsidiary

To Edit a Subsidiary:

In the Commercial tab, click on Subsidiaries . 1. Find the subsidiary whose rights you would like to change; click the edit. 2. Make the necessary changes, and then click Save Subsidiary . 3. To delete a Subsidiary, click Delete . Verify by clicking Yes , and then Close when you are finished. icon to

Deleting a subsidiary does not delete the data from existing payments that use that subsidiary.

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Commercial

User Setup

To Set Up Users: Our Online Banking system allows business owners and managers to set up multiple levels of access to their Online Banking Banking accounts. Each user will have a unique login ID and password. If you are a larger business and think multiple accounts would be beneficial, please contact your accountant or business financial advisors to establish the business policies. Once those policies are in place, the pages in this section will help you establish and configure your Online Banking users and their individual allowances within your accounts. If you manage a small company with only one person needing an Online Banking ID and password, you can skip this section.

For your convenience, several features within Online Banking have a Grid/List option in the upper-right corner. Click on both to discover which view option you prefer.

To Add a New User:

In the Commercial tab, click on User Management . 1. Click the Add User button on the right-hand side of the screen. 2. Enter the new user’s personal information. Fields marked with an asterisk are required. Click Save when finished.

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Commercial

Assign User Rights

You can assign user rights once you have created a user.

To Assign User Rights:

Approvers must have “View All Transactions” view rights enabled.

In the Commercial tab, click on User Management . 1. Locate user you want to assign rights to and click the icon. 2. Details of the user will appear. Click the Assign Rights button.

3. Under the Overview tab, you can view transaction types and indicate whether you want this user to have the ability to Draft, Approve , Cancel , or View the transaction. Simply click on the check mark to disable the rights. User View: Can only view own activity. View All Transactions: Can view activity of all users. Cannot View : Cannot view activity of any user. You can set limits for the number of transactions and dollar amount a user can approve. Click on the Transaction Type name link to update user limits.

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Commercial

Assign User Rights

4. Under the Features tab, you can choose which features this user can access. Dark colored features indicate they are active. To deactivate a feature, simply click on it, and the box surrounding it will turn white to signify that it is now inactive. Manage Templates On • Create, edit, and delete any type of template. Manage Recipients On • Create, edit, and delete recipients. • Add or remove recipients to/from templates. Manage Subsidiaries On • Create, edit, or delete subsidiaries. • Add or remove subsidiaries to/from templates. Manage Users On • Create, edit, and delete users. • Edit features, accounts, and limits for any user. (see below) 5. Under the Accounts tab, you can choose which accounts this user can View , Deposit funds to, or Withdraw funds from. 6. Click Save when finished.

If the User Management feature is assigned to a user, they can change their own rights and limits. Be sure to limit which users have this feature.

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Commercial

Edit a User

Adding users and specifying their individual rights and accessible features helps create a checks and balances system within your organization or business. To Edit or Delete a User:

In the Commercial tab, click on User Management . 1. Find the user whose rights you would like to change, then click the edit. 2. Click Assign Rights at the bottom of the screen. Make the necessary changes, and then click Save . 3. Click Delete to delete a user. Verify by clicking Yes , and then Close when you are finished. icon to

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Services

Address Change

It is important to maintain current contact information on your Skagit Bank account.

To Change Your Address:

In the Services tab, click on Address Change . 1. Choose which Account this change will apply to. 2. Update your contact information. 3. Click Submit when finished.

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Services

Check Reorder

With Online Banking, you can conveniently reorder checks online. To Order Checks:

In the Services tab, click on Check Reorder . 1. You will be redirected to our trusted vendor’s website to complete your order. 2. Enter the requested information and click Continue .

If you notice that you are missing checks, please contact us right away so that we can take precautions to safeguard against identity theft and fraud.

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Services

Stop Payment

Using Online Banking with Skagit Bank, you can initiate a Stop Payment request from any device. You can review the status of your request in the Activity Center. The stop payment, once confirmed, will remain in effect for six months. Contact Skagit Bank Customer Service at 800-246-4402 for current fee information. To Initiate a Stop Payment Request:

In the Services tab, click on Stop Payment . 1. Choose Request Type , single or multiple checks. 2. Click on each category Number , Amount and choose the Date of the check. 3. Be sure to click Save when changes are made. 4. When completed, click Send Request . header on the left to select an Account , enter a Check

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Settings

Profile

It is important to maintain current contact information on your Online Banking Profile.

To View and Update Your Profile:

In the Settings tab, click on Profile . 1. Update your contact information in the space provided. 2. Click Submit Profile to save.

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Settings

Alerts

You can create and manage alerts to remind you of important dates, warn you about the status of your accounts and when certain transactions occur. When you create an alert, you specify the conditions that trigger the alert as well as the delivery option to receive that alert. All alerts will automatically be sent to your Online Banking account via Secure Messages, regardless of the additional delivery preferences you have chosen. To Edit Alert Delivery Preferences: You can create specific Date, Account, History, Insufficient Funds, Transaction and Security Alerts and edit their delivery methods. Delivery methods include: • Secure Message within Online Banking • Email • Phone Call • SMS Text Message To Set Up New Alerts:

In the Settings tab, click on Alerts . 1. To create a new alert, click the New Alert drop-down. Choose the kind of alert that you wish to create from the drop-down. A new screen will appear where you can enter the necessary information. Be sure to click Save when finished. 2. To view the alerts for each category, click the category header. 3. You can easily toggle an alert On/Off without deleting the alert by toggling the Enabled button. 4. To view or change details of an already-existing alert, choose the Edit link on the right end of the alert you would like to edit. Be sure to click Save after you change any alert details.

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Settings

Security Alerts

Security Alerts allow you to enable specific alerts to keep you informed of changes to your account and Online Banking profile. Alerts can be delivered via Secure Message within Online Banking, email, SMS text message or phone call. To Edit Security Alerts and their Delivery Preferences:

In the Settings tab, click on Alerts , and then Security Alerts . 1. To activate or deactivate an alert, click the On/Off button that corresponds with the appropriate alert. 2. To edit delivery preferences, click the Edit Delivery Preferences link at the top. These changes will apply to all Security Alerts. 3. Enter the information for your preferred delivery method. 4. Click Save when finished. 5. If an alert is grayed-out, you are not able to edit or disable that alert.

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