Somerset Trust Company Online Banking Guide for Businesses

Online Banking Guide for Businesses

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

St. Louis, MO 63021 www.mcompany.com

© 2009-2023 Murphy & Company, Inc. Macintosh is a trademark of Apple Inc., registered in the U.S. and other countries. Android is a trademark of Google LLC. Adobe Reader is a registered trademark of Adobe Systems, Inc. Portions of this guide were provided by Alkami.

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 Banking with Somerset Trust Company! Whether you’re at home or the office using a mobile phone, tablet, or laptop, we strive to make your online and mobile banking experience easy and convenient. By adding powerful commercial products and features, Somerset Trust Company provides you with the complex tools your business needs to achieve its goals. You can navigate this guide by clicking a topic or feature in the Table of Contents. Each section provides an overview and steps to help you during the Online Banking process. If you have additional questions, contact us at (800) 972-1651.

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Table of Contents Getting Started

Business Banking Overview.........................................................................................5 Users........................................................................................................................................ 5 Payees ..................................................................................................................................... 5 Business Banking Transaction Types* ............................................................................... 6 Users Users Overview .............................................................................................................7 Adding a New User .......................................................................................................8 Part 1 of 4: Permissions and Limits ................................................................................... 10 Part 2 of 4: Accounts............................................................................................................ 12 Part 3 of 4: Account Permissions ....................................................................................... 13 Part 4 of 4: Review Information ......................................................................................... 14 Copy a User .................................................................................................................15 Editing a User ..............................................................................................................18 Editing User’s Permissions.................................................................................................. 19 Changing a Sub-User’s Status....................................................................................20 Resetting Sub-User Password ...................................................................................21 Deleting a User............................................................................................................22 ACH Alerts....................................................................................................................23 Payees Payee Overview...........................................................................................................24 Adding a Payee..................................................................................................................... 25 ACH Payments*.................................................................................................................... 27 Domestic Wire Payments*.................................................................................................. 28 International Wire Payments*............................................................................................ 29 Editing a Payee ............................................................................................................30 Adding Additional Payment Methods ............................................................................... 31 Deleting a Payee .........................................................................................................32 ACH Alerts....................................................................................................................33 Business ACH Creating a Template ...................................................................................................34 Adding Payees to Template................................................................................................ 36 Import Payees ...................................................................................................................... 37 Deleting Payees From a Template ..................................................................................... 38 Copying a Template....................................................................................................40 Editing a Template ......................................................................................................41 Deleting a Template ...................................................................................................42 Using a Template ........................................................................................................43

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ACH Pass-Thru*...........................................................................................................47 Quick ACH ....................................................................................................................50 Scheduled ACH Transactions.....................................................................................52 Canceling a Scheduled ACH Transaction .......................................................................... 53 ACH Transaction History ............................................................................................54 ACH Alerts....................................................................................................................55 Authorize or Reject an ACH Transaction..................................................................56 Business Wires New Domestic Wire ....................................................................................................57 New International Wire*............................................................................................59 Scheduled Wires .........................................................................................................61 Canceling a Scheduled Wire ............................................................................................... 62 Wire Payment History ................................................................................................63 Business Wires Alerts .................................................................................................64 Authorize or Reject a Wire .........................................................................................65 Business Reports Reports Dashboard ....................................................................................................67 Create a Custom Report.............................................................................................68 ACH Details Report .............................................................................................................. 69 Transaction History ............................................................................................................. 70 Editing a Report...........................................................................................................71 Deleting a Report ........................................................................................................72 Standard Reports........................................................................................................73 Business Reports Alerts .............................................................................................74 Services Card Management......................................................................................................75 Blocking a Card .................................................................................................................... 75 Unblocking a Card................................................................................................................ 77 Manage Card Alerts ............................................................................................................. 78 Replacement Card ............................................................................................................... 79 Settings Company Info..............................................................................................................81

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Autobooks Overview ......................................................................................................................82 Send an Invoice ...........................................................................................................83 Edit Invoice Draft.........................................................................................................85 Mark Invoice as Paid...................................................................................................86 Copy Invoice ................................................................................................................87 Email Invoice................................................................................................................89 Cancel Invoice..............................................................................................................90 Edit Recurring Schedule .............................................................................................91 Pause Recurring Schedule .........................................................................................93 Resume Recurring Schedule......................................................................................94 Cancel Recurring Schedule ........................................................................................95 Export Invoices............................................................................................................96 New Estimate...............................................................................................................97 Edit an Estimate ..........................................................................................................99 Email an Estimate .................................................................................................... 101 Create an Invoice from an Estimate ...................................................................... 102 Cancel an Estimate .................................................................................................. 104 Export Estimates ...................................................................................................... 105 Add a Customer ....................................................................................................... 106 Import Customers.................................................................................................... 107 Export Customers .................................................................................................... 108 Edit a Customer........................................................................................................ 109 Archive a Customer ................................................................................................. 111 Invoice Balance Details............................................................................................ 113 New Product/Service ............................................................................................... 114 Edit Product/Service ................................................................................................ 115 Delete Product/Service............................................................................................ 117 Invoice Settings ........................................................................................................ 118 Edit Invoice Reminders and Fees .................................................................................... 119 Payment Form Settings........................................................................................... 121 Share Your Payment Form Link ............................................................................. 122 Email Your Payment Form Link.............................................................................. 123 Payments .................................................................................................................. 124 Refund a Payment ................................................................................................... 125 Cancel a Payment .................................................................................................... 126

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Getting Started Business Banking Overview

Whether you’re an enterprise, large corporation or small organization, our flexible Business Banking Platform can help meet your unique business needs. If you rely on specific employees or an accountant to help you manage your finances, the first steps in the Business Banking platform are setting up your users and payees. After setting up these key features, you can jump right into a comprehensive banking experience! Users If your business only needs one person with access to the Business Banking platform, you can set up a single login ID and password. For larger organizations, our system lets you establish multiple login IDs and passwords for authorized employees. You can organize which employees have access to each feature within the Business Banking platform by creating user roles. A business customer can register once as the business using the Business EIN number. • Master Users: Business control account that creates templates, payees. users, etc. • Sub Users: The user set up by the Master User with specific permissions, limits, and accounts set by the business owner. Somerset Trust Company won’t service subusers. The business owner must assist because the sub user may not be on the account. Payees Payees are people or businesses to whom you send money using a payment feature offered through the Business Banking platform. After creating a profile for each payee, you can choose the preferred method to send them money and the respective transaction details. Each payee is saved so you can quickly and easily make future payments.

Getting Started: Business Banking Overview

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Various types of payment methods are offered through the Business Banking platform, including wire and ACH transfers. Though both are quick electronic payments, wires are the fastest way to transfer money between accounts. ACH transactions are processed through a batch process, and funds are generally not available until the next business day. Business Banking Transaction Types*

Type

Description

Upload a NACHA-formatted file.

ACH Pass-Thru

Create ACH templates to credit businesses for services and distribute or consolidate funds between business. Create ACH templates to debit business accounts for goods and services. Create ACH templates that can be used to credit consumer accounts for payroll direct deposit, bonuses, refunds and more.

Business Payments

Business Collections

Payroll

Create ACH templates to debit consumer

Consumer Collections

accounts for goods and services.

Domestic Wire

Send a wire to a recipient within the US.

Send a wire to a recipient in a different

International Wire

country.

Getting Started: Business Banking Overview

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Users Users Overview

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

Users: Users Overview

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Users Adding a New User

Each employee needs their own specific login ID and password to give them access to your business’s online banking. This allows you to manage your business banking at multiple levels. Creating a new user will trigger an automatic email with a temporary password. It’s essential to tell each individual the username you assigned, so they can establish access by logging in with the temporary password within 24 hours of receiving the email.

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IIn the Business Tools tab, click Business Admin then click the Users tab. 1. Click the icon. 2. Select “New User” and click the Next button. 3. Enter the user’s first name, last name and email address. A temporary password will be sent to the user’s email address. 4. (Optional) Enter the user’s phone numbers.

Users: Adding a New User

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5. Create a unique username for the new user. 6. (Optional) Enter the user’s address. 7. Click the Next button.

Users: Adding a New User

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Part 1 of 4: Permissions and Limits Choose which permission types to enable.

You can also adjust limits so you never have to worry about the amount or number of transactions a user makes. You can set these restrictions for a daily, weekly and monthly basis, as well as per account. Limits are enforced at the business and role level. Limits at the business level are cumulative, meaning the totals take into account the total dollar value of all transactions executed by users at your business. Limits are calculated using the Deliver By date method. For example, you may receive an error message indicating you have exceeded your limit for a future-dated template although you may be well within your daily limit for a collection or payment template with today as a Deliver By date. • Submit Up to: Max amount users are able to submit. • Authorize Up to: Max amount users can authorize for other users. 1

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1. (Optional) Click the “Select All” link to select all permissions in a section. 2. Use the toggles to enable and disable permissions. 3. Click a payment type to create transaction access limits. The following

Users: Adding a New User options will vary depending on the payment type chosen.

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4. Use the drop-downs to select an access level. The following options will 5. Select the allowed payment types 6. Use the toggle to give access to restricted payment templates 7. Enter the daily, weekly, and/or monthly submission limits. 8. Use the toggle to requre approval on all submissions above a specified amount and enter the daily, weekly, and/or monthly limits. 9. Enter the daily, weekly, and/or monthly authorization limits.

10. Click the Apply button. 11. Click the Next button.

Users: Adding a New User

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Part 2 of 4: Accounts Choose which accounts to give access to.

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1. Click the “+ Select Accounts” link. 2. (Optional) Click the “Select All” link to select all accounts. 3. Select the accounts you want to assign. 4. Click the Select Accounts button. 5. Click the Next button.

Users: Adding a New User

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Part 3 of 4: Account Permissions Choose which account permission types to enable. These will be applied to all eligible accounts within each account type.

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1. (Optional) Click the “Select All” link to select all permissions. 2. Use the toggles to enable and disable permissions. 3. Click the Next button.

Users: Adding a New User

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Part 4 of 4: Review Information

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1. Review the user’s information and click the Submit button. 2. Click the Done button.

Users: Adding a New User

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Users Copy a User

Create a new user by coping permissions and accounts from an existing user.

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IIn the Business Tools tab, click Business Admin then click the Users tab. 1. Click the icon. 2. Select “Copy A User.” 3. Use the drop-down to select a user to copy. 4. Select which permissions to copy. 5. Click the Next button.

Users: Copy a User

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6. Enter the user’s first name, last name and email address. 7. (Optional) Enter the user’s phone numbers. 8. Create a unique username for the new user. 9. (Optional) Enter the user’s address. 10. Click the Next button.

Users: Copy a User

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11. Make any necessary changes to permissions and limits For more infomation go to page 10. Click the Next button when you are finished. 12. Make any necessary changes to accounts the user has access to. For more information go to page 12. Click the Next button when you are finished. 13. Make any necessary changes to account permissions. For more information

go to page 13. Click the Next button when you are finished. 14. Review the user’s information and click the Submit button. 15. Click the Done button.

Users: Copy a User

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Users Editing a User

You can make changes to existing users at any time. This is especially beneficial if someone’s job title changes and their approval limits and responsibilities need to be adjusted.

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In the Business Tools tab, click Business Admin then click the Users tab. 1. Select the user you would like to edit. 2. From the drop-down select “Edit Details.” 3. Make the necessary changes and click the Save button when you are finished. Users: Editing a User

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Editing User’s Permissions

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In the Business Tools tab, click Business Admin then click the Users tab. 1. Select the user you would like to edit. 2. Click the “Manage Accounts” or “Manage Permissions” link next to the item you would like to edit.

Users: Editing a User

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Users Changing a Sub-User’s Status

If you are a business admin you can change a sub-user’s status.

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In the Business Tools tab, click Business Admin then click the Users tab. 1. Select the user you would like to edit. 2. From the drop-down select “Change Status.” 3. Change the user’s status and click the Save button when you are finished.

Users: Changing a Sub-User’s Status

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Users Resetting Sub-User Password

Easily reset a sub-user’s password.

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In the Business Tools tab, click Business Admin then click the Users tab. 1. Select the user whose password you would like to reset. 2. From the drop-down select “Reset Password.”

3. Select a method to receive a new password. 4. Enter the reason for resetting the password. 5. Click the Send New Password button.

Users: Resetting Sub-User Password

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Users Deleting a User

If you are assigned the Manage Users right, you have the ability to permanently delete a user that is no longer needed. This deletes their contact information from the User Management page and deactivates their Business Banking login ID. It does not erase the data from any existing payments.

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In the Business Tools tab, click Business Admin then click the Users tab. 1. Select the user you would like to delete. 2. From the drop-down select “Delete User.” 3. Click the Delete button.

Users: Deleting a User

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Users ACH Alerts

Alerts monitor your online banking activity through event-triggered notifications. The business admin module supports the following alerts: • New User Added

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In the Tools tab, click Alerts . 1. Click the Business Admin tab. 2. Use the toggle to turn the alert on or off.

Users: ACH Alerts

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Payees Payee Overview

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

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In the Business Tools tab, click BusinessAdmin then click the Payees tab. A. The following information presents for each recipient: • Name • Payee ID • Group • Payment Methods B. Click the icons next the appropriate column to sort payees.

C. Use the search box to find a payee. D. Use the filters to filter your payees.

Payees: Payee Overview

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Adding a Payee 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 Business Tools tab, click BusinessAdmin . 1. Click the Payees tab. 2. Click the Add New Payee button. 3. Select a payee type. A payee’s type is an identification tool to help with payment processing. Once this field is saved it cannot be edited. 4. Enter the payee’s name. 5. (Optional) Enter the payee’s email address. 6. (Optional) Enter the payee’s ID. If you do not enter a payee ID, Somerset Trust Company will create one for you.

Payees: Payee Overview

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7. If sending wire payments, you must enter an address for the payee. Click the Add address button to enter the payee’s address. 8. Click the Add phone number button to enter the payee’s phone number.

9. Click the Add website button to enter the payee’s website. 10. Select a group to keep your payees organized. Click the

icon to add a new

group. 11. Click the Add payee button. 12. Click the “Add payment method” link.

13. Select a payment method type. For more information about ACH payments, go to page 27. For more information about domestic wire payments, go to page 28. For more information about international wire payments, go to page 29.

Payees: Payee Overview

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ACH Payments* The beneficiary FI is the final bank that receives the funds. You need to provide a new recipient’s beneficiary FI and account information, including their routing number and account number.

Note : Cut off time to process ACH payments is 2:00pm EST.

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1. Enter the routing number. 2. Use the drop-down to select an account type. 3. Enter the account number. 4. Enter a nickname. 5. (Optional) Click the ID number button to enter an ID number. 6. Click the Save button.

Payees: Payee Overview

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Domestic Wire Payments* The beneficiary FI is the final bank that receives the funds. You need to provide a new recipient’s beneficiary FI and account information, including their routing number and account number. 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. Check with the FI to find out if an intermediary FI is necessary.

Note : Cut off time for wire processing is 2:00pm EST.

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1. (Optional) Check the box to add an intermediary FI. a. Enter the intermediary FI’s routing number.

2. Enter the routing number. 3. Enter the account number. 4. Enter a nickname. 5. Click the Save button.

Payees: Payee Overview

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International Wire Payments* For international wire payments you will need to enter a payee’s SWIFT Bank ID. A SWIFT Bank ID is an eight to eleven character long code made of both letters and numbers. You can typically find them on a bank statement or on the bank’s website.

Note : Cut off time for wire processing is 2:00pm EST.

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1. Enter a SWIFT Bank ID. 2. Enter the FI’s name. 3. Enter the account number. 4. Enter a nickname. 5. Enter the FI’s address. 6. Enter the fed routing number. 7. (Optional) Check the box to add an intermediary FI. a. Enter the intermediary FI’s routing number. 8. Click the Save button.

Payees: Payee Overview

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Payees Editing a Payee

If a payee’s account or personal information changes, you can make those necessary edits from the Payee page.

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In the Business Tools tab, click BusinessAdmin . 1. Click the Payees tab. 2. Select the payee you would like to edit. 3. Click the icon. 4. Make the necessary changes and click the Submit button. Payees: Editing a Payee

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Adding Additional Payment Methods

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In the Business Tools tab, click BusinessAdmin . 1. Click the Payees tab. 2. Select the payee you would like to add a payment method to. 3. Click the icon. 4. Select a payment method. For more information about ACH payments, go to page 27. For more information about wire payments, go to page 28.

Payees: Editing a Payee

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Payees Deleting a Payee

You can permanently delete a payee that is no longer needed. This deletes their contact information from the Payee page, but it does not erase the data from any existing payments.

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In the Business Tools tab, click BusinessAdmin . 1. Click the Payees tab. 2. Select the payee you would like to delete. 3. Click the icon. 4. Click the Yes, delete this payee button.

Payees: Deleting a Payee

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Payees ACH Alerts

Alerts monitor your online banking activity through event-triggered notifications. The business admin module supports the following alerts: • Receive an alert when a payee has been changed.

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In the Tools tab, click Alerts . 1. Click the Business Admin tab. 2. Use the toggle to turn the alert on or off.

Payees: ACH Alerts

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Business ACH Creating a Template

If you have frequent repeating transactions, you can set up a template so each transaction is fast and simple. These templates automate your routine transactions reducing mistakes and saving you time. Before you can create ACH templates, you must be assigned to a role with Create Template, Add and Remove template entries and ACH account permissions.

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In the Business Tools tab, click BusinessACH . 1. Click the New Template button.

Business ACH: Creating a Template

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2. Enter a template name. 3. Use the drop-down to select an offset account. 4. Use the drop-down to select a transaction type.

5. Enter a company entry description. 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. 6. Select an access level. 7. (Optional) Click the Import Payees button to import payees. Go to page 37 for more information. 8. Click the Create Template button.

Business ACH: Creating a Template

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Adding Payees to Template Before you can add payees to a template, you must have one or more payees with ACH payment methods and you must be assigned to a role with add or remove template entry permission.

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In the Business Tools tab, click BusinessACH . 1. Select the template you would like to add payees to. 2. Click the Add Payees button. 3. Select the payees you would like to add. Payees must be created before they can be added to a template. If you have not created any payees, click the “Add an ACH Payee” link. Go to page 25 for more information about creating a payee. 4. Click the Assign Payee(s) button.

Business ACH: Creating a Template

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Import Payees You can import a list of recipients and amounts from a 5-column Comma Separated Values (CSV) or NACHA file to add recipients and amounts to a new template. This allows you to import recipients and amounts swiftly and efficiently.

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1. When creating a template, click the Import Payees button. 2. (Optional) Click the “Show file setup instructions” link to show the file setup instructions. 3. Click the Upload File button and locate the file you would like to upload. 4. Click the Import Payees button.

Business ACH: Creating a Template

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Deleting Payees From a Template Easily delete payees from a template.

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In the Business Tools tab, click BusinessACH . 1. Select the template you would like to delete payees from. 2. Click the icon next to the payee you would like to delete.

Business ACH: Creating a Template

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3. Click the “Remove Payee” link. 4. Click the Yes, remove button.

Business ACH: Creating a Template

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Business ACH Copying a Template

Quickly make a new template by copying an existing template.

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In the Business Tools tab, click BusinessACH . 1. Select the template you would like to copy. 2. Click the “Make a copy” link. 3. Enter a new template name and click the Create Template button.

Business ACH: Copying a Template

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Business ACH Editing a Template

You can edit the name of the template, company entry description, offset accounts and access levels of any of the templates on the Business ACH page.

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In the Business Tools tab, click BusinessACH . 1. Select the template you would like to edit. 2. Click the Details tab. 3. Click the

icon next to the section you would like to edit. 4. Make the necessary changes and click the Save Changes button.

Business ACH: Editing a Template

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Business ACH Deleting a Template

You can delete an unnecessary template from the Business ACH page. However, once a template is deleted, previous transactions using the template do not change.

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In the Business Tools tab, click BusinessACH . 1. Select the template you would like to edit. 2. Click the Details tab. 3. Click the “Delete template” link. 4. Click the Delete Template button.

Business ACH: Deleting a Template

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Business ACH Using a Template

Templates are a quick way to send a recurring transaction.

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In the Business Tools tab, click BusinessACH . 1. Select the template you would like to send. 2. Click the

icon to edit the amount sent to each payee.

3. Use the drop-down to select an account. 4. Use the drop-down to select a status. • Active: The payee is a live entry that will be included in the template sent to your financial institution for processing. • On Hold: The payee is not live and will not be included in the template. For example, an employee on unpaid leave can be designated on hold until they return. • Prenote: The system creates a zero dollar prenote entry in the template. Prenotes should be sent at least 10 days prior to submitting a live entry. For example, your business may submit a prenote entry for a new employee using direct deposit to ensure the accuracy of the payee’s bank and account information. Enter an amount. Business ACH: Using a Template

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5. Enter an amount. 6. (Optional) Enter an addenda. 7. (Optional) Enter discretionary data.. 8. Click the Save Changes button. 9. (Optional) Click the “Add Payees” link to add additional payees. 10. Click the Review and Submit button. 11. Select a frequency. 12. One-time transactions: a. Enter a deliver by date.

Business ACH: Using a Template

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13. Recurring transactions:

a. Use the drop-down to select a frequency. b. Enter a starting date. c. Select when a transaction should end. d. Select how to handle non-business days.

14. Click the Submit Template button.

Business ACH: Using a Template

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15. Choose the contact method that allows Somerset Trust Company to reach you immediately with a verification code and click the Send Code button. 16. Enter the verification code and click the Verify button.

Note : Cut off time to process ACH payments is 2:00pm EST.

Business ACH: Using a Template

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Business ACH ACH Pass-Thru*

ACH Pass-Thru allows users to securely deliver NACHA and CSV formatted files to your financial institution for processing. NACHA-formatted files are created outside of the Business Banking platform using Excel or another similar accounting software. Pass-thru files are not stored in the database and are not available for future use.

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2 In the Business Tools tab, click BusinessACH . 1. Use the drop-down to select “Import File.”. 2. (Optional) Click the “Show CSV file specifications” link to view CSV file specifications. 3. Click the Browse Files button and select the file you wish to upload.

Business ACH: ACH Pass-Thru*

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4. Click the Review & Submit button. 5. Enter a submission name. 6. (Optional) Check the box to save the file as a template. 7. Use the drop-down to select a transactions type. 8. (For telephone and internet collections only) Select a payment type.

Business ACH: ACH Pass-Thru*

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9. Enter a company entry description. 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. 10. Use the drop-down to select an offset account. 11. Select an access level. The access level, combined with ACH role permissions, control user access to ACH templates. Selecting normal allows all users with requisite ACH permissions (i.e., ACH transaction type, ACH offset account) to access the template. Designating the template as a restricted template ensures only users with required ACH permissions plus the Access Restricted

Templates permission can access the template. 12. Use the drop-down to select a deliver by date. 13. Click the Submit Pass Thru button.

Business ACH: ACH Pass-Thru*

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Business ACH Quick ACH

Send an ACH without creating an ACH template. This is great for sending a one time payment to one payee.

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In the Business Tools tab, click BusinessACH . 1. Use the drop-down to select “Quick ACH.”. 2. Use the drop-down to select an offset account. 3. Use the drop-down to select a transaction type.

4. Enter a company entry description. 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. 5. Select an access level. 6. Enter an amount. 7. Select a deliver by date.

Business ACH: Quick ACH

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8. Click the “+ Create New Payee” link to add a new payee or start typing a payee’s name to search for an existing payee. For more information about creating a new payee go to page 25. 9. Click the “+ Add new payment method” link to add a new payment method or select an existing payment method. For more information about creating a new payment method go to page 27. 10. Click the Submit button. 11. Choose the contact method that allows Somerset Trust Company to reach you immediately with a verification code and click the Send Code button. 12. Enter the verification code and click the Verify button.

Business ACH: Quick ACH

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Business ACH Scheduled ACH Transactions

The scheduled ACH transactions feature displays today and future-dated ACH transfer requests that have not been sent to your financial institution for processing. Users may search for scheduled ACH transactions, view ACH transaction details and cancel future dated ACH transactions. 1

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In the Business Tools tab, click BusinessACH . 1. Click the Scheduled tab. 2. Click the Show Search button to search for ACH transactions. Use the drop downs to narrow your search and click the Search button. 3. To view an ACH transaction, click any highlighted calendar date. The system will highlight transactions in bold in the scheduled payments table below.

Business ACH: Scheduled ACH Transactions 4. Click the

icon to view additional details.

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Canceling a Scheduled ACH Transaction

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In the Business Tools tab, click BusinessACH . 1. Click the Scheduled tab. 2. Select a wire and click the Cancel button. 3. Enter a reason for canceling the transaction (Optional) and click the Yes, continue button. Note : ACH transfers can be originated and reviewed on the mobile app, but they cannot be cancelled. Please visit Online Banking from our website to cancel an ACH transfer.

Business ACH: Scheduled ACH Transactions

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Business ACH ACH Transaction History

ACH transaction history allows entitled users to search for ACH activity using a variety of filters. There are several wire statuses that may be displayed: • Canceled: A scheduled ACH transaction was canceled and was not sent to your financial institution for processing. • Expired: A scheduled ACH transaction that required authorization was not approved by your financial institution’s cut-off time (and required lead time, e.g., approve one day in advance of the deliver by date). • Rejected: An ACH transaction that required authorization was rejected by an approver or by your financial institution. • Succeeded: ACH transaction instructions were submitted to your financial institution for processing. • Account Debit Failed: The debit to the business customer’s source account failed. 1

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In the Business Tools tab, click BusinessACH . 1. Click the History tab. 2. Click the Show Search button to search for ACH transactions. Use the drop downs to narrow your search and click the Search button. 3. Click the icon to view additional details. Business ACH: ACH Transaction History

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Business ACH ACH Alerts

Alerts monitor your online banking activity through event-triggered notifications. The business ACH module supports the following alerts: • Needs Authorization • Business ACH Submission • Receive an alert when an ACH that is associated with a business needs authorization, has been authorized, is canceled, is rejected, has expired, or has succeeded. • Rejected By FI

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In the Tools tab, click Alerts . 1. Click the Business ACH tab. 2. Use the toggle to turn the alert on or off.

Business ACH: ACH Alerts

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Business ACH Authorize or Reject an ACH Transaction Authorized users can authorize or reject ACH transactions. If a transactions has processed and cleared, you cannot make changes to that transaction. 1

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In the Business Tools tab, click BusinessAdmin . 1. Click the Authorizations tab. 2. Click the ACH tab.

3. Browse through your transactions and check the box for each transaction you want to approve or cancel. Check the box at the top of the list to select all transactions. 4. To authorize a transaction, click the Authorize button. 5. To reject a transaction, click the Reject button. a. (Optional) Enter a reason. b. Click the Reject Batch button. Note : ACH transfers can be originated and reviewed on the mobile app, but they cannot be cancelled. Please visit Online Banking from our website to cancel an ACH transfer.

Business ACH: Authorize or Reject an ACH Transaction

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Business Wires New Domestic Wire

You can draft or create a new domestic wire. Domestic wires allow you to send funds to any recipient in your country. Make sure you all have the necessary account and contact information before you continue.

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In the Business Tools tab, click BusinessWires . 1. Select a payee and if necessary a payee account. A payee may have more than one account depending on the number of wire payment methods that have been established. 2. Use the drop-down to select a funding account. 3. (Optional) Click the “Show Limits” link to show max limits. 4. Enter an amount. 5. Enter a send on date. 6. (Optional) Enter an originator to beneficiary info (OBI). OBI information often includes invoice or transaction details that need to be communicated to the beneficiary. The beneficiary FI is the final bank that receives the funds. 7. Click the Confirm Payment button.

Business Wires: New Domestic Wire

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8. Review the payment information and click the Submit button.

Note : Cut off time for wire processing is 2:00pm EST.

Business Wires: New Domestic Wire

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Business Wires New International Wire*

You can draft or create a new international wire. International wires allow you to send funds to a recipient across the world. Make sure you all have the necessary account and contact information before you continue.

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In the Business Tools tab, click BusinessWires . 1. Select a payee and if necessary a payee account. A payee may have more than one account depending on the number of wire payment methods that have been established. 2. Use the drop-down to select a funding account. 3. (Optional) Click the “Show Limits” link to show max limits. 4. Enter an amount. 5. Enter a send on date. 6. (Optional) Enter an originator to beneficiary info (OBI). OBI information often includes invoice or transaction details that need to be communicated to the beneficiary. The beneficiary FI is the final bank that receives the funds. 7. Click the Confirm Payment button.

Business Wires: New International Wire*

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8. Review the payment information and click the Submit button.

Note : Each wire is reviewed by a Somerset Trust Company team member and must be submitted by the following times to allow research, processing, and approval. Cut off time for wire processing is 2:00pm EST.

Business Wires: New International Wire*

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Business Wires Scheduled Wires

The scheduled wire payments feature displays today and future-dated wire transfer requests that have not been sent to your financial institution for processing. Users may search for scheduled wires, view wire details and cancel future dated wires. 1

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In the Business Tools tab, click BusinessWires . 1. Click the Scheduled tab. 2. Click the Show Search button to search for wire payments. Select a payee, funding account, date range, sort option and click the Search button. 3. To view a wire, click any highlighted calendar date. The system will highlight

transactions in bold in the scheduled payments table below. 4. Click the View Detail button to view additional details.

Business Wires: Scheduled Wires

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Canceling a Scheduled Wire

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In the Business Tools tab, click BusinessWires . 1. Click the Scheduled tab. 2. Select a wire and click the Cancel button. 3. Enter a reason for canceling the payment and click the Cancel Payment button.

Note : On the Mobile Banking app, you are unable to search or cancel a wire request, only create a new wire transfer.

Business Wires: Scheduled Wires

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Business Wires Wire Payment History

Wire history allows entitled users to search for wire activity using a variety of filters. There are several wire statuses that may be displayed: • Canceled: A scheduled wire payment was canceled and was not sent to your financial institution for processing. • Expired: A scheduled wire that required authorization was not approved by your financial institution’s cut-off time (and required lead time, e.g., approve one day in advance of the deliver by date). • Rejected: A transfer that required authorization was rejected by an approver or by your financial institution. • Succeeded: Wire transfer instructions were submitted to your financial institution for processing. • Account Debit Failed: The debit to the business customer’s source account failed. 1

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In the Business Tools tab, click BusinessWires . 1. Click the History tab.

2. Click the Show Search button to search for wire payments. Select a payee, funding account, search date range, status and sort by option and click the Search button. 3. Click the View Details button to view additional details. Business Wires: Wire Payment History