Today's Bank Business Online Bankng User Guide

Business Online Banking User Guide

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

St. Louis, MO 63021 www.mcompany.com

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Disclaimer Concepts, strategies and procedures outlined in this guide can and do change and may not be applicable to all readers. The content in this guide is not warranted to offer a particular result or benefit. Neither the author, publisher nor any other party associated with this product shall be liable for any damages arising out of the use of this guide, including but not limited to loss of profit, commercial, special, incidental or other damages. For complete product and service information, please refer to the terms, conditions and disclosures for each product and service.

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Getting Started

Welcome to Business Online Banking with Today’s Bank! Whether you are at home or at the office using a mobile phone, tablet or laptop, we strive to make your Online Banking experience easy and convenient. By adding powerful commercial products and features, Today’s Bank provides you with the complex tools your business needs to achieve its goals. While our Business Online Banking shares similar features with our personal accounts, this guide is meant to help you through business features only. You can navigate this guide by clicking a topic or feature in the Table of Contents. Each section provides an overview and steps to help you during the Online Banking process. If you have additional questions, contact us at (800) 945-0073.

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Table of Contents Getting Started

5 Logging In.......................................................................................................................4 Logging Off ............................................................................................................................. 4 Resetting a Forgotten Password ................................................................................. Users Users Overview .............................................................................................................6 Users Overview ...................................................................................................................... 7 Adding a New User ............................................................................................................... 8 Part 1 of 4: Access Times ...........................................................................................9 Part 2 of 4: Editing Approval Limits for a Transaction Type ........................................... Part 3 of 4: Establishing Transaction Type Rights ............................................................ 11 Part 4 of 4: Establishing Rights to Features and Accounts.............................................. 12 Editing an Existing User’s Rights ...............................................................................13 Deleting a User............................................................................................................14 ACH Batch List Overview .................................................................................................... Creating a Batch List...................................................................................................16 Adding Recipients to a Batch.............................................................................................. 17 Upload Batch File ........................................................................................................18 File Status.....................................................................................................................19 Editing a Batch............................................................................................................. Deleting a Batch ..........................................................................................................21 Initiating an ACH Template........................................................................................22 Create ACH File Format..............................................................................................23 CSV File Layout ..................................................................................................................... 24 Fixed Position File Layout ................................................................................................... Delimited File Layout........................................................................................................... 26 Viewing ACH Transaction History .............................................................................27 Searching ACH Transactions......................................................................................28 Reports Reports Overview........................................................................................................29 Prior Day Report .................................................................................................................. Saved Reports ...................................................................................................................... Current Day Report.............................................................................................................. 31 Activity Report ...................................................................................................................... 32 Summary Report.................................................................................................................. 33 Positive Pay Report.............................................................................................................. 34 10 15 20 25 30 35

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Positive Pay Introduction.................................................................................................................36 Check Exceptions ........................................................................................................37 Download.....................................................................................................................38 ACH Exceptions ...........................................................................................................39 ACH Filters ...................................................................................................................40 My Profile Personal Information .................................................................................................41 Account Settings .........................................................................................................43 Display Settings...........................................................................................................44 Alert Settings ...............................................................................................................45 Alerts Listing ......................................................................................................................... 45 Event Alerts........................................................................................................................... 46 Item Alerts ............................................................................................................................ 47 Personal Alerts ..................................................................................................................... 48

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Getting Started Logging In

After your first-time enrollment, logging in is easy and only requires your username and password. If you are logging in on a device you have not previously registered, you need to request a two-factor authentication (2FA) code.

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1. Enter your username and click the Login button. 2. Enter your password and click the Sign in button.

3. (Optional) If you are logging in on a device you have not previously registered, you need to request a two-factor authentication (2FA) code. Check the box to skip two-factor authentication for future logins. This is not recommended if you are logging in from a public device. Logging Off For your security, you should always log off when you finish your Online Banking session. We may also log you off due to inactivity. 1. Click your name in the lower left corner of the screen. 2. Click the Sign out tab. 3. Close your internet browser.

Getting Started: Logging In

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Getting Started Resetting a Forgotten Password

If you happen to forget your password, you can easily reestablish a new one from the Today’s Bank Home page—no need to call us!

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1. Enter your username and click the Login button 2. Click the “Forgot” link..

3. Enter your username and email address. If you don’t remember your username or email click the “Try another way” link and enter your social security number and account number. 4. Click the Next button. 5. You will have an option to receive a link via text or email, after following the link you will be prompted to complete 2FA via text or email. After successfully completing the two-factor authentication, you will be able to create a new password and log in.

Getting Started: Resetting a Forgotten Password

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Users Users Overview

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

Users: Users Overview

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

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

Users: Users Overview

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

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7 In the Cash Management tab, click Users . 1. Click the New CM User tab. 2. Enter a user name. 3. Enter the user’s email address. 4. Use the drop-down to select an administration status.

• No: No administration rights • Yes: Full administrative rights

• Partial: Partial administration to change settings but not add new users. • View: Can view administrative access and functionality but not make changes. 5. Enter a wire password. 6. Check the box to view position/activity reports for the user. 7. Check the box to hold the user.

Users: Users Overview

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Part 1 of 4: Access Times .

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1. Determine a users access times.

Users: Users Overview

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Part 2 of 4: Editing Approval Limits for a Transaction Type A user’s approval limits can be adjusted, so you never have to worry about the amount or number of transactions they make.

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1. Enter the transaction limits for the user. 2. Check the box to enable dual wire control and enter a dual wire control limit.

Note : Dual wire control means when one user creates a wire transaction, a second user with wire approval authority needs to approve the payment before it can be processed.

Users: Users Overview

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Part 3 of 4: Establishing Transaction Type Rights You can assign and edit user rights. This helps you decide which responsibilities and limitations a user can have regarding certain transactions.

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

Users: Users Overview

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Part 4 of 4: Establishing Rights to Features and Accounts Decide which users have access to perform specific tasks within an account.

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

Users: Users Overview

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Users Editing an Existing User’s Rights

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

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

Users: Editing an Existing User’s Rights

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Users Deleting a User

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

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

Users: Deleting a User

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ACH Batch List Overview

Business Online Banking allows you to create a batch list to make quick payments to multiple people. This is especially beneficial when doing payroll since you can enter multiple amounts and recipients. This page displays a list of all ACH batches created, including the current status for each ACH batch shown. From this page you can create a new ACH batch, edit, copy or delete an existing ACH batch, upload an ACH batch and search ACH batch activity.

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In the Cash Management tab, click ACH . A. The following information presents for each recipient: • Status • Batch Name • Type • Company • Process Date

• Debit • Credit • Recurring • Scheduled Date

B. Click the

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

payment history.

ACH: Batch List Overview

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ACH Creating a Batch List

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In the Cash Management tab, click ACH . 1. Select a company from the company drop-down. 2. Enter a batch name. 3. (Optional) Enter discretionary data. 4. Use the drop-down to select a SEC code. 5. Enter an entry description. This field is limited to ten characters or less. The description is automatically added to the NACHA-formatted ACH file. 6. Check the box to restrict access to the batch. 7. Click the Submit button.

ACH: Creating a Batch List

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Adding Recipients to a Batch

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1. Enter a recipient’s name. 2. (Optional) Enter an ID number. An ID number can be used to identify a recipient when duplicate names exists. 3. Enter an amount. 4. (Optional) Click the box to prenote all recipients in the batch and verify their information. 5. (Optional) Use the drop-downs to select an addenda type. 6. (Optional) Enter an addenda. 7. Enter the recipient’s routing number. 8. Enter the recipient’s account number. 9. Use the drop-down to select an account type. 10. Select a transaction type and status. 11. To add another recipient, click the Add Multiple button and repeat steps 1 through 10.

12. Click the Submit button when you are finished. 13. Review the information and click the Submit button.

ACH: Creating a Batch List

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ACH Upload Batch File

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

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In the Cash Management tab, click ACH then click Upload . 1. Click the Choose File button and select the file you would like to upload. 2. Click the Upload button to upload the file.

ACH: Upload Batch File

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ACH File Status

This page displays the current status of an uploaded file and allows you to refresh the status shown and view details of files that have been successfully uploaded.

In the Cash Management tab, click File Status .

ACH: File Status

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ACH Editing a Batch

You can edit the information in a batch.

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In the Cash Management tab, click ACH . 1. Find the batch you want to edit, click the icon and select “Edit.” 2. Make the necessary changes and click the “Edit” link to edit a recipient if necessary. Click the Submit button.

ACH: Editing a Batch

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ACH Deleting a Batch

You can delete a batch that is no longer needed.

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In the Cash Management tab, click ACH . 1. Find the batch you want to delete, click the

icon and select “Delete.”

2. Click the Delete button.

ACH: Deleting a Batch

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ACH Initiating an ACH Template

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In the Cash Management tab, click ACH . 1. Find the transaction you want to initiate, click the

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“Initiate.”

ACH: Initiating an ACH Template

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ACH Create ACH File Format

When creating a batch payment, you can import select CSV, fixed position or delimited files. This allows you to import recipients and amounts swiftly and efficiently.

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In the Cash Management tab, click ACH , then click Import Layout . 1. Use the drop-down to select an upload format.

ACH: Create ACH File Format

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CSV File Layout

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ACH: Create ACH File Format

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Fixed Position File Layout

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1. Enter the begin and end positions for each field. 2. If your file does not contain transaction codes, enter the required information. 3. Click the Save button.

ACH: Create ACH File Format

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Delimited File Layout

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ACH: Create ACH File Format

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ACH Viewing ACH Transaction History

Users can view ACH transaction history in the history tab.

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In the Cash Management tab, click ACH then click History . A. Click a “date range” link to change the date range that is displayed. B. Click the “Search” link to search for a specific transaction. C. Click the “View” link next to the transaction you would like to view to see additional details.

ACH: Viewing ACH Transaction History

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ACH Searching ACH Transactions

From this page, you can search for ACH batch records within an ACH batch using specific search criteria such as ACH batch name, ACH company name, or batch record amount.

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2 In the Cash Management tab, click ACH, then click Search . 1. Enter information into at least one data field. 2. Click the Search button.

ACH: Searching ACH Transactions

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Reports Reports Overview

You can keep up with all the incoming and outgoing transactions within your accounts using the Reports feature. Viewing a report on certain transactions can prevent errors and make bookkeeping easy. There are several types of reports available: • Prior Day: This page displays prior day account information for the selected account. • Current Day: This page displays current account information for the selected account. • Position: From this page, you can download, save to a file, and view cash management data consisting of prior day balance and transaction totals. • Activity: This report delivers detailed cash management reporting with multiple search criteria. • Summary: This report delivers a summary of activity. • Positive Pay: This report shows filters processed chex by their status and exception reason. • Saved: This report saves previous search criteria that can be accessed at any time. • EDI: This report delivers EDI information in different formats based on search criteria.

Reports: Reports Overview

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Prior Day Report This report displays prior day account information for the selected account.

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In the Cash Management tab, click Reporting , then click Prior Day . 1. Use the drop-down to select an account. 2. The report will display below.

Reports: Reports Overview

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Current Day Report This report displays current day account information for the selected account.

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In the Cash Management tab, click Reporting , then click Current Day . 1. Use the drop-down to select an account. 2. The report will display below.

Reports: Reports Overview

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Activity Report By creating an Activity Report, you can see all the ACH transactions within a specific account.

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In the Cash Management tab, click Reporting then click Activity . 1. Select an account or accounts. 2. (Optional) Select a date range. 3. (Optional) Use the drop-down to select a transaction type. 4. (Optional) Enter beginning and ending amounts. 5. (Optional) Enter a start and end check number. 6. (Optional) Check the box to display subtotals per account. 7. (Optional) Check the box and enter a report name to save report criteria. 8. Click the Submit button to display your report.

Reports: Reports Overview

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Summary Report This report delivers a summary of activity.

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In the Cash Management tab, click Reporting then click Summary . 1. Select an account or accounts. 2. (Optional) Select a date range. 3. (Optional) Check the box and enter a report name to save report criteria. 4. Click the Submit button to display your report.

Reports: Reports Overview

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Positive Pay Report This report shows filters processed chex by their status and exception reason.

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In the Cash Management tab, click Reporting then click Positive Pay . 1. Use the drop-down to select a report type. 2. Enter the report criteria. This information will vary depending upon the report type selected. 3. (Optional) Check the box and enter a report name to save report criteria. 4. Click the Submit button to display your report.

Reports: Reports Overview

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Saved Reports View, run, rename and delete your saved reports.

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In the Cash Management tab, click Reporting then click Saved . A. Click the “Run Report” link to run a saved report. B. Click the “Rename” link to rename a saved report. C. Click the “Delete” link to delete a saved report.

Reports: Reports Overview

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Positive Pay Introduction

Positive Pay is a business feature that helps minimize or eliminate check and/or ACH fraud, prevent related losses and simplify your account reconciliation. With Check Positive Pay, you submit detailed information about each check that you issue (either manually or through file upload). As each check is presented for payment, the Positive Pay system compares it to the information in the system. If an item does not match the record you provide, it is flagged as an exception and presented to you for a payment decision. ACH Exceptions are ACH items presented for payment that are outside of the ACH Filters you provided to the Bank.

Positive Pay: Introduction

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Positive Pay Check Exceptions

This page displays account-specific check exceptions and allows you to indicate whether you wish to pay for each of the check exceptions shown. You can also view the details of each check exception from this page. In the Cash Management tab, click Positive Pay, then click Check Exceptions . 1. Decide whether to pay or return each exception. 2. Once all items have been reviewed and marked, click the Submit button.

Positive Pay: Check Exceptions

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Positive Pay Download

This page displays downloadable Positive Pay files for a specific account and allows you to download or view the contents. In the Cash Management tab, click Positive Pay , then click Download . 1. Use the drop-down to select an account. 2. Click the Download button next to the file you wish to download. 3. Click the Open button to open the file in Notepad. 4. Click the Save button to save the file.

Positive Pay: Download

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Positive Pay ACH Exceptions

ACH Exceptions are ACH items presented for payment that are outside of the ACH Filters you provided to the Bank. Once you decision your exception items, the items will remain visible under the Positive Pay menu. You can go back and make changes to your exception items prior to the 11:00 am CST cutoff time. After the cutoff, the items will be locked and no additional changes can be made.

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In the Cash Management tab, click Positive Pay , then click ACH Exceptions . 1. Select pay or return for each of the items listed. 2. Once all items have been reviewed and marked, click the Submit button. Note : All ACH/Positive Pay Exception items, for both check and ACH, need to be reviewed and marked to pay or return by 11:00 am CST. Items that are not marked will be paid or returned based on your default through the designated account.

Positive Pay: ACH Exceptions

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Positive Pay ACH Filters

From this page you can view the ACH Positive Pay filters to help verify any exceptions that occur.

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In the Cash Management tab, click Positive Pay, then click ACH Filters . 1. Use the drop-down to select an account to view ACH Filters for.

Positive Pay: ACH Filters

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My Profile Personal Information

From this page, you can view or modify your email address, as well as your Online Banking login information.

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In the Cash Management tab, click Settings then click Personal . 1. (Optional) Make any necessary changes to your personal settings.

My Profile: Personal Information

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2. (Optional) Make any necessary changes to your login information. 3. Click the Submit button when you are finished.

My Profile: Personal Information

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My Profile Account Settings

From this page, you can select an account type and modify the current pseudo name for each account. Adjust the display order of the accounts as they will appear on the Account Listing page by clicking and dragging the account up or down to the desired location within the account list.

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4 In the Cash Management tab, click Settings, then click Account . 1. Use the drop-down to select an account type. 2. Use the

icons to drag and drop accounts to rearrange the display order.

3. Enter new account pseudo names. 4. Click the Submit button when you are finished.

My Profile: Account Settings

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My Profile Display Settings

This page displays existing display defaults. From this page you can modify the item and history display defaults for various pages, the number of lines to be used for transaction downloads and whether to include a confirmation screen for funds transfers.

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In the Cash Management tab, click Settings, then click Display . 1. Select the default display amounts for various pages. 2. Click the Submit button when you are finished.

My Profile: Display Settings

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My Profile Alert Settings

Alerts Listing This page displays a list of current alerts you have selected to be received at login, via email if applicable, or both. You can add an alert, edit an existing alert or delete an alert.

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In the Cash Management tab, click Settings, then click Alerts and Alerts Listings .

1. Click an “Edit” link to edit an alert. 2. Click a “Delete” link to delete an alert. 3. Click an “Add” link to add an alert.

My Profile: Alert Settings

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Event Alerts This page allows you to update your event alert options.

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In the Cash Management tab, click Settings, then click Alerts and Events . 1. Check the box next to the slerts you would like to receive. 2. Click the Submit button when you are finished. 3. Review the event alert selections and click the Accept button.

My Profile: Alert Settings

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Item Alerts This page allows you to update your Item alert options.

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In the Cash Management tab, click Settings, then click Alerts and Item. 1. Select an alert type. 2. Enter an item number. 3. Use the drop-down to select an account. 4. Click the Submit button when you are finished. 5. Click the Accept button.

My Profile: Alert Settings

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Personal Alerts This page allows you to update your Item alert options.

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In the Cash Management tab, click Settings, then click Alerts and Personal. 1. Select an alert type. 2. Enter a date for the alert to occur.

3. Enter an alert message. 4. Click the Submit button. 5. Click the Accept button.

My Profile: Alert Settings

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