NCB National Cooperative Bank Treasury 24/7 User Guide

Treasury 24/7 User Guide

II

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

St. Louis, MO 63021 www.mcompany.com

© 2009-2024 Murphy & Company, Inc. Quicken is a registered trademark of Intuit, Inc. Macintosh is a trademark of Apple Inc., registered in the U.S. and other countries. Adobe Reader is a registered trademark of Adobe Systems, Inc. © 2012 Portions of this guide were written by Q2 Software, Inc..

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 NCB Treasury 24/7! Whether you are at home or at the office, using a PC/laptop, Mobile Device, or tablet, we strive to make your Online Banking experience easy and convenient. By adding powerful commercial products and features, NCB 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 800-322-1251 Ext. 6095.

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Table of Contents Getting Started

Business Online Banking Overview ............................................................................7 Business Online Banking Transaction Types...................................................................... 7 Logging Off ............................................................................................................................. 9 Resetting a Forgotten Password ...............................................................................10 Home Page Home Page Overview .................................................................................................12 Account Details Overview ..........................................................................................15 Details & Settings........................................................................................................17 Quick Transfer.............................................................................................................18 Account Nickname......................................................................................................19 Account Grouping.......................................................................................................20 Editing a Group .................................................................................................................... 21 Add an Account to a Group ................................................................................................ 22 Deleting a Group.................................................................................................................. 23 Security Protecting Your Information......................................................................................24 General Guidelines .............................................................................................................. 24 Login ID and Password........................................................................................................ 24 Fraud Prevention ................................................................................................................. 24 Security Preferences...................................................................................................25 Change Password ................................................................................................................ 25 Change Login ID ................................................................................................................... 26 Secure Delivery .................................................................................................................... 27 Alerts Overview ...........................................................................................................28 Account Alerts ...................................................................................................................... 29 History Alerts........................................................................................................................ 30 Non-Online Transaction Alerts........................................................................................... 31 Online Transaction Alerts ................................................................................................... 32 Secure Message Overview .........................................................................................33 Sending a Secure Message ........................................................................................34 eStatements Statements...................................................................................................................35 Settings Accessibility..................................................................................................................36

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Help Help ..............................................................................................................................37 Business Banking Recipients Overview ...................................................................................................38 ACH Only- Part 1 of 2: Adding a Recipient ........................................................................ 39 ACH Only- Part 2 of 2: Recipient Account Detail .............................................................. 40 ACH & Wire- Part 1 of 4: Adding a Recipient..................................................................... 41 ACH & Wire- Part 2 of 4: Beneficiary FI Detail................................................................... 42 ACH & Wire- Part 3 of 4: Intermediary FI Detail ............................................................... 43 ACH & Wire- Part 4 of 4: Recipient Account Detail........................................................... 44 Wires Only (Domestic) - Part 1 of 4: Adding a Recipient ................................................. 45 Wires Only (Domestic)- Part 2 of 4: Beneficiary FI Detail ................................................ 46 Wires Only (Domestic)- Part 3 of 4: Intermediary FI Detail............................................. 47 Wires Only (Domestic)- Part 4 of 4: Recipient Account Detail ........................................ 48 Wires Only (International)- Part 1 of 4: Adding a Recipient ............................................ 49 Wires Only (International)- Part 2 of 4: Beneficiary FI Detail .......................................... 50 Wires Only (International)- Part 3 of 4: Intermediary FI Detail....................................... 51 Wires Only (International)- Part 4 of 4: Recipient Account Detail .................................. 52 Editing a Recipient ......................................................................................................53 Editing a Recipient’s Templates.......................................................................................... 54 Deleting a Recipient....................................................................................................55 Payment Template Overview ....................................................................................56 Creating a Template ...................................................................................................57 ACH Credit ............................................................................................................................ 58 ACH Debit.............................................................................................................................. 60 Domestic Wire...................................................................................................................... 62 International Wire................................................................................................................ 64 Sending a Single Payment..........................................................................................67 ACH Credit ............................................................................................................................ 67 ACH Debit.............................................................................................................................. 70 Domestic Wire...................................................................................................................... 73 International Wire................................................................................................................ 76 Commercial Banking Upload From CSV File .................................................................................................79 Creating a New File Map ..................................................................................................... 79 Using an Existing CSV File Map........................................................................................... 82 Using an Existing NACHA File Map..................................................................................... 84 Editing an Existing File Map ................................................................................................ 86 Deleting an Existing File Map.............................................................................................. 87

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90 100 Reports Overview..................................................................................................... Editing Transactions ............................................................................................................ 91 Canceling Transactions ....................................................................................................... 92 Viewing, Approving or Canceling a Transaction......................................................93 Single Transaction................................................................................................................ 93 Multiple Transactions.......................................................................................................... 94 Editing or Using a Template ......................................................................................95 Deleting a Template ...................................................................................................96 Wire Activity .................................................................................................................97 ACH Pass-Thru.............................................................................................................98 ACH Pass-Thru Upload Errors ............................................................................................ 98 ACH Pass-Thru Upload Details .......................................................................................... 99 Company User Activity Report ........................................................................................ 101 Transaction Report ........................................................................................................... 102 ACH Activity Report........................................................................................................... 103 ACH Activity Report Previous Day(s)............................................................................... 104 Balance and Activity Statement-Previous Day(s) .......................................................... 105 Cash Position Report Previous Day(s) ............................................................................ 106 Wire Online Origination Report ...................................................................................... 107 Editing a Report........................................................................................................ 108 Deleting a Report ..................................................................................................... 109 Transfer Money........................................................................................................ 112 Individual Transfers.......................................................................................................... 112 Multi-Account Transfers Overview ................................................................................. 114 Multi-Account Transfers- Creating a Template ............................................................. 115 Multi-Account Transfers- Single Transfer ...................................................................... 117 Editing a Multi-Account Transfer Template .......................................................... 119 Positive Pay Introduction.............................................................................................................. 121 Managing Exceptions .............................................................................................. 122 Add a Check Confirmation...................................................................................... 124 Submit Issued Check File ........................................................................................ 125 Advanced Positive Pay Introduction.............................................................................................................. 126 Quick Exception Processing.................................................................................... 127 User Setup ................................................................................................................ 110 Mobile Authorizations ............................................................................................. 120 Deleting a Multi-Account Transfer Template........................................................ 130 Creating or Deleting Custom Views Using Favorites ....................................................... Activity Center Overview ............................................................................................88 Using Filters .......................................................................................................................... 89

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Submit Issued Check File ........................................................................................ 135 Add New Issued Check File..................................................................................... 136 Void a Check ............................................................................................................. 137 Check Search ............................................................................................................ 138 Reverse Positive Extract Pay................................................................................... 140 ACH Transaction Search.......................................................................................... 141 ACH Authorization Rules Setup.............................................................................. 142 Create an ACH Authorization Rule.................................................................................. 142 Manage ACH Authorization Rules................................................................................... 144 Outstanding Issued Checks .................................................................................... 145 Daily Checks Issued Summary ............................................................................... 146 Stops and Voids........................................................................................................ 147 Exception Items........................................................................................................ 148 Stale Dated Checks .................................................................................................. 149 Incoming ACH Originator Report ........................................................................... 150 Incoming ACH Receiver Report .............................................................................. 151 Account Reconciliation ............................................................................................ 152 Issued Check File Processing Log........................................................................... 153 Company Entitlements Report............................................................................... 154 Users User Roles Overview................................................................................................ 155 Creating, Editing or Copying a User Role .............................................................. 156 Part 1 of 10: Choosing Transactions to Add/Edit in User Role.................................... 157 Part 2 of 10: Establishing Transaction View Rights ....................................................... 158 Part 3 of 10: Approval Limits ........................................................................................... 159 Part 4 of 10: Disabling a Transaction Type .................................................................... 160 Part 5 of 10: Allowed Actions .......................................................................................... 161 Part 6 of 10: Enabling Operation Rights......................................................................... 162 Part 7 of 10: Choosing the Maximum Draft Amount.................................................... 163 Part 8 of 10: Selecting Subsidiaries................................................................................. 163 Part 9 of 10: Enabling Allowed Accounts........................................................................ 164 Part 10 of 10: Choosing Drafting Hours ......................................................................... 165 User Role Policy Tester..................................................................................................... 166 Deleting Allowed Actions ................................................................................................. 168 Establishing Rights to Access Features........................................................................... 169 Establishing Rights to Access Accounts.......................................................................... 170 Deleting a User Role ................................................................................................ 171 Users Overview ........................................................................................................ 172 User Management Overview........................................................................................... 173 Adding a New User .......................................................................................................... 174 Editing a User ........................................................................................................... 175 Deleting a User......................................................................................................... 176

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Mobile Security Mobile Security Preferences................................................................................... 177 Enabling Touch ID or Fingerprint Login ......................................................................... 177 Enabling Face ID................................................................................................................ 179 Disabling Touch ID, Fingerprint or Facial ID Login........................................................ 180 Apple® Watch .......................................................................................................... 181 Apple® Watch Setup ........................................................................................................ 181 Viewing Balances and Transactions ............................................................................... 181 Enabling and Disabling Push Notifications........................................................... 182 Glossary Terms Terms......................................................................................................................... 183 Acronyms .................................................................................................................. 184

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Getting Started Business Online Banking Overview

Various types of payment methods are offered through Online Banking, including wire and ACH transactions. Though they are both quick electronic payments, wires are the fastest way to transfer money between accounts. ACH transactions are done using a batch process, and funds are generally not available until the next business day. Please call us at 800-322-1251 Ext. 6095 for a full list of wire and ACH fees or if you have any questions. Business Online Banking Transaction Types

Type

Description

Upload a NACHA-formatted file. ACH Pass Thru is used when an ACH transaction has multiple batches and different SEC codes.

ACH Pass-Thru

ACH Credit

Send a payment to several recipients.

ACH Debit

Receive a payment from several recipients.

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 Online Banking Overview

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Getting Started Logging In

After your first-time enrollment, logging in is easy and only requires your login ID and password. If you are logging in on a device that you have not previously registered, you need to request a Secure Access Code (SAC). You have the ability to register your device which will require a SAC at first time log in only unless you are logging in from a unregistered device. If you select to not register your device, a SAC is required each time at login.

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1. Click the Login button and select “Treasury 24/7.” 2. Enter your login ID and password. 3. Click the Log In button.

4. (First Time Login Only) Review and confirm your profile information. 5. (Unregistered Device Only) Select the contact to receive six-digit SAC. 6. (Unregistered Device Only) Enter the SAC and click the Submit button. Note : If you enter an incorrect password too many times, your account will be temporarily locked. Reach out to your admin or call us at 800-322-1251 Ext. 6095 for assistance.

Getting Started: Business Online Banking Overview

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Logging Off For your security, you should always log off when you finish your Online Banking session. We will also log you off after 15 minutes of inactivity. 1. Click the Log Off tab in the navigation menu. 2. Close your internet browser.

Getting Started: Business Online Banking Overview

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Getting Started Resetting a Forgotten Password

If you forget your password, you can easily reestablish a new one from the Treasury 24/7 log in page.

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1. Click the “Forgot your password?” link. 2. Enter your login ID and click the Submit button.

Note : You may not be able to change your password if your account is locked or if you are resetting your password from an unregistered device.

Getting Started: Resetting a Forgotten Password

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3. Select the Delivery Option to receive six-digit SAC. 4. Enter the SAC and click the Submit button. 5. Create a new password based on password requirements, and click the Submit button when you are finished.

Getting Started: Resetting a Forgotten Password

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Home Page Home Page Overview

After logging in, you are taken directly to the Home page. There are two different views of the Home page available. Here you can view the balances of your NCB accounts and see your account summaries plus more. Initial Account View

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1. When you first login, you will need to click the “View all accounts” link to select your priority accounts.

Home Page: Home Page Overview

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All Accounts

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Note : The letters correspond to several available features on the Home page.

Home Page: Home Page Overview

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A. The navigation bar appears in every view on the left side of the screen. You can navigate to Online Banking features by selecting the appropriate menu selection. B. Your NCB accounts are displayed in an account card with its balance. C. If you click an account name, you are taken to the Account Details page. You can also click the icon on the right side of an account card, and select View Activity for more details. D. The icon allows you to print a summary of current available funds in your accounts. E. You can expand or collapse account details by clicking the icon. F. Quickly approve transactions awaiting approval. For more information about approving or canceling transactions go to page 93. G. Click the “View all accounts” to view all accounts. H. Select or deselect a star to designate an account as a priority account. I. Go to page 20 for more information about creating account groups.

Home Page: Home Page Overview

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Home Page Account Details Overview

Selecting a NCB account on the Home page takes you to the Account Details page, where you can view every transaction pertaining to that account. From here, you can view details such as type of transaction, check images and account balances.

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Home Page: Account Details Overview

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are sorted. A. On the Home page, you can click on an account name to view the Account Details screen. B. The current and available balances of that account are displayed in the top right corner. C. The icon opens the search bar to search for transaction(s) in the account. D. Transactions can be filtered by time period, transaction description, transaction type, amounts, and check numbers. Click the icon for more options. E. Make a quick transfer by clicking the icon. (See page 18 for additional details.) F. Export your transactions into a different format by clicking the icon. G. The icon lets you send a secure message about that account or print a list of transactions. H. The icon indicates how the Date, Description and Amount columns I. You can view more details about a transaction by clicking on it. J. The icon lets you send a secure message about that transaction or print details about it.

Home Page: Account Details Overview

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Home Page Details & Settings

View additional details about an acount and change the account’s visibility.

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1. Click the Details & Settings tab on the account details page. 2. Click the icon to edit the display name. See page 19 for additional details. 3. Use the toggle to decide whether or not your account is visible on the Home page.

Home Page: Details & Settings

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Home Page Quick Transfer

If you’re ever in a rush, the Quick Transfer option is a simple and fast way to make transactions.

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1. Click the

icon on the right side of an account card and select Quick

Transfer. 2. Select the “To” drop-down and choose an account to receive the funds. 3. Enter an amount to transfer. 4. Select a transfer date. 5. (Optional) Click the Advanced Options button for options to set recurring transactions. Go to page 112 for more information. 6. Click the Transfer Funds button when you are finished.

Home Page: Quick Transfer

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Home Page Account Nickname

Change an account’s nickname directly from the Home page.

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1. Click the

icon on the right side of an account card and select Account

Nickname. 2. Enter a new global and/ or personal nickname. The global nickname changes the account name for all users who don’t have their own nickname set for this account. Your personal nickname for this account is only visible to you. Note: Only an Administrator within the admin role can change global nicknames. 3. Click the Save button when you are finished.

Home Page: Account Nickname

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Home Page Account Grouping

You can organize your accounts into groups, so the Home page appears in a way that helps you organize your accounts. These groups can always be updated to add or remove accounts from the group.

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1. Create a new group by clicking the “Create group” link. 2. Enter the group name. 3. Select accounts to add to the group by selecting the box to the left of the account name. 4. Click the Create group button.

Home Page: Account Grouping

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Editing a Group Easily edit existing groups.

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icon beside Group Name and select “Edit Group.”

2. Make the necessary changes. 3. Click the Save group button when you are finished.

Home Page: Account Grouping

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Add an Account to a Group Quickly add an account to an existing group.

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1. Click

icon beside Group Name and select “Move to group.”

2. Use the drop-down to select a group. 3. Click the Move button when you are finished.

Home Page: Account Grouping

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Deleting a Group After a group is created, you can reorganize the Home page by deleting a group without removing those accounts from the Home page.

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icon beside Group Name and select “Remove Group.”

2. Click the Remove Group button.

Home Page: Account Grouping

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Security Protecting Your Information

Here at NCB, we do everything we can to protect your personal information and provide you with a dependable online experience. However, we rely on you to take further precautions to ensure the safety of your accounts. By following our tips, Online Banking can be a secure and efficient method for all your banking needs. General Guidelines • Make sure your operating system and antivirus software are up to date. • Always use secure wireless (WiFi) networks that require a login ID and password. • Never leave your computer unattended while using Online Banking. • Monitor your recent account history for unauthorized transactions. • Always log off Online Banking when you’re finished and close the browser. Login ID and Password • You will need to have a trusted browser to go through changing and forgot password steps within UUX. • Create strong passwords by using a mixture of uppercase and lowercase letters, numbers and special characters per password requirements. • Do not create passwords containing your initials or birthday. • Memorize your passwords instead of writing them down. • Only register personal devices, and avoid using features that save your login IDs and passwords. Fraud Prevention • Do not open email attachments or click on links from unsolicited sources. • Avoid giving out personal information on the phone or through email. • Shred unwanted sensitive documents including receipts, checks, deposit slips, pre-approved credit card offers and expired cards. • Act quickly. If you suspect your financial information is compromised, call us immediately at 800-322-1251 Ext. 6095.

Security: Protecting Your Information

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Security Security Preferences

We take security very seriously at NCB. Various tools have been added to better protect your account information. You can add and manage these features in Security Preferences to strengthen your Online Banking experience. Change Password You can change your Online Banking password whenever you want to. You will be forced to change passwords every 90 days. Password Guidelines: • 12 to 16 characters comprised of lower case, upper case, number and special character

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

Security: Security Preferences

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Change Login ID You can also change your login ID at any time. Create a unique login ID you will remember and follow our required guidelines.

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

Security: Security Preferences

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Secure Delivery We can verify your identify by sending an SAC to you by text message, voice call or email address. Within Security Preferences, you can make changes to your delivery preferences or add new ways we can contact you.

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In the Settings tab, click 2-Factor Authentication . 1. Make changes to a secure delivery method by clicking the

icon to make

changes, or the icon to delete a secure delivery method. 2. Enter your new contact information and click the Save button when you are finished to save your changes.

Security: Security Preferences

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Security Alerts Overview

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

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

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

Security: Alerts Overview

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Account Alerts Account Alerts can notify you when the balances in your accounts go below or above a set amount.

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In the Settings tab, click Alert Settings . 1. Use the “New Alert” drop-down and select “Account Alert.” 2. Use the drop-down to select an account. 3. Choose an account balance type. 4. Use the drop-down to select a frequency. 5. Select a comparison. 6. Enter an amount. 7. Select a delivery method and enter the corresponding information. 8. Click the Create Alert button when you are finished.

Security: Alerts Overview

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

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

Security: Alerts Overview

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Non-Online Transaction Alerts By creating Non-Online Online Transaction Alerts, you can be notified when various incoming wires post to your account.

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

Security: Alerts Overview

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

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

Security: Alerts Overview

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Security

Secure Message Overview If you have questions about your accounts or need to speak with someone, Secure Messages allow you to communicate directly with NCB. From the Secure Messages page, you can find replies, previous messages or create new conversations.

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

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Security Sending a Secure Message

Starting a new conversation allows you to securly include confidential information relating to your accounts or attach files within a new message.

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

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2. Select the recipient from the drop-down. 3. Enter the subject. 4. Enter your message. 5. Click the “Attach a File” link to attach a file. 6. Click the Send message button when you are finished.

Security: Sending a Secure Message

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eStatements Statements

The eStatements feature provides the ability to access your eStatements.

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Click the eStatements tab. 1. Choose an account from the “Account” drop-down.

2. Choose a date for the statement using the “Date” drop-down. 3. Click the Download document button to download the document. 4. Click the View and print document button to view and print the document.

eStatements: Statements

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Settings Accessibility

High contrast mode lightens the menu on the left side of the screen for better visibility.

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In the Settings tab, click Accessibility . 1. Check the box next to “Enable high contrast mode.”

Settings: Accessibility

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Help Help

Click the Help tab. 1. Use the tabs to browse help topics or use the search bar to search for answers to your questions.

Help: Help

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Business Banking Recipients Overview

On the Recipients page, persons or companies can be established so money can be sent or received by a person or company. After established, those recipients can be included in multiple payments or templates.

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

icon next the appropriate column to sort recipients by display

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

Business Banking: Recipients Overview

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ACH Only- Part 1 of 2: Adding a Recipient Recipients must be setup prior to initiating transactions. The recipient’s contact and account information is required.

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In the Business Banking tab, click Recipients . 1. Click the New Recipient button. 2. Enter a display name and (optional) the recipient’s email address. 3. Check the box next to “Send email notifications for template payments” to alert the recipient when a payment is sent. 4. (Optional) Click the “+Add Account” link to add a new account. By adding an account, multiple accounts can be setup for this recipient that allows selection at the time of initiating a payment. All other information must be completed first. 5. Select a payment type using the “Payment Type” drop-down. 6. Select the recipient’s account type using the “Account Type” drop-down. 7. Enter the recipient’s account number. 8. (Optional) Enter the financial institution (FI). If an FI is searched, the ACH Routing Number will automatically populate from the search. 9. Enter the recipent’s ACH routing number. 10. Click the icon to remove a recipient’s account information. 11. Click the button to complete setup.

Business Banking: Recipients Overview

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ACH Only- Part 2 of 2: Recipient Account Detail In the Recipient Detail section, a Recipient name is required. The remaining fields are optional.

Recipient Name*

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1. Enter the recipient’s name. 2. (Optional) Enter the ACH name and ID. 3. (Optional) Use the drop-down to select the recipient’s country. 4. (Optional) Enter the recipient’s street address. 5. (Optional) Enter the recipient’s city. 6. (Optional) Select the recipient’s state using the drop-down and enter the zip code. 7. Click the Save Recipient button.

Business Banking: Recipients Overview

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ACH & Wire- Part 1 of 4: Adding a Recipient Recipients must be setup prior to initiating transactions. The recipient’s contact and account information is required.

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In the Business Banking tab, click Recipients . 1. Click the New Recipient button. 2. Enter a display name and (optional) the recipient’s email address. 3. Check the box next to “Send email notifications for template payments” to alert the receipt when a payment is sent. 4. (Optional) Click the “+Add Account” link to add a new account. By adding an account, multiple accounts can be setup for this recipient that allows selection at the time of initiating a payment. All other information must be completed first. 5. Select a payment type using the “Payment Type” drop-down. 6. Select the recipient’s account type using the “Account Type” drop-down. 7. Enter the recipient’s account number. 8. (Optional) Enter the financial institution (FI). If an FI is searched, the ACH Routing Number will automatically populate from the search. 9. Enter the recipient’s ACH routing number. 10. Click the icon to remove a recipient’s account information.

Business Banking: Recipients Overview

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ACH & Wire- Part 2 of 4: Beneficiary FI Detail When sending a wire, the beneficiary FI is the final bank that receives the funds. The beneficiary FI information is required.

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

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

Business Banking: Recipients Overview

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ACH & Wire- Part 3 of 4: Intermediary FI Detail Some FIs use a third-party bank called an intermediary FI to process funds. If a intermediary FI is used, the intermediary FI’s wire routing number and address will be required.

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

Business Banking: Recipients Overview

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ACH & Wire- Part 4 of 4: Recipient Account Detail In the Recipient Detail section, a Recipient name is required. The remaining fields are optional.

Recipient Name*

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

Business Banking: Recipients Overview

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Wires Only (Domestic) - Part 1 of 4: Adding a Recipient Recipients must be setup prior to initiating transactions. The recipient’s contact and account information is required.

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In the Business Banking tab, click Recipients . 1. Click the New Recipient button. 2. Enter the recipient’s name and (optional) email address. 3. Check the box next to “Send email notifications for template payments” to alert the receipt when a payment is sent. 4. (Optional) Click the “+Add Account” link to add a new account. By adding an account, multiple accounts can be setup for this recipient that allows selection at the time of initiating a payment. All other information must be completed first. 5. Select a payment type using the “Payment Type” drop-down. 6. Select Domestic from the “Beneficiary Type” drop-down. 7. Enter the recipient’s account number. 8. (Optional) Enter the financial institution (FI). If an FI is searched, the ACH Routing Number will automatically populate from the search. 9. Click the icon to remove a recipient’s account information.

Business Banking: Recipients Overview

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Wires Only (Domestic)- Part 2 of 4: Beneficiary FI Detail When sending a wire, the beneficiary FI is the final bank that receives the funds. The beneficiary FI information is required.

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

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

Business Banking: Recipients Overview

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Wires Only (Domestic)- Part 3 of 4: Intermediary FI Detail Some FIs use a third-party bank called an intermediary FI to process funds. If a intermediary FI is used, the intermediary FI’s wire routing number and address will be required.

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

Business Banking: Recipients Overview

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Wires Only (Domestic)- Part 4 of 4: Recipient Account Detail In the Recipient Detail section, a Recipient name is required. The remaining fields are optional.

Recipient Name*

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

Business Banking: Recipients Overview

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Wires Only (International)- Part 1 of 4: Adding a Recipient Recipients must be setup prior to initiating transactions. The recipient’s contact and account information is required.

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In the Commercial tab, click Recipients . 1. Click the New Recipient button. 2. Enter the recipient’s name and (optional) email address. 3. Check the box next to “Send email notifications for template payments” to alert the receipt when a payment is sent. 4. (Optional) Click the “+Add Account” link to add a new account. By adding an account, multiple accounts can be setup for this recipient that allows selection at the time of initiating a payment. All other information must be completed first. 5. Select International from the “Beneficiary Type” drop-down. 6. Select the recipient’s account type using the “International Account Type” drop-down. 7. (SWIFT/BIC Only) Enter the recipient’s account number. If an FI is searched, the SWIFT/BIC will automatically populate from the search. 8. Click the icon to remove a recipient’s account information.

Business Banking: Recipients Overview

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Wires Only (International)- Part 2 of 4: Beneficiary FI Detail When sending a wire, the beneficiary FI is the final bank that receives the funds. The beneficiary FI information is required IBAN

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1. Enter the beneficiary FI’s name. If an FI is searched, the Beneficiary FI information will automatically populate from the search. 2. Select the beneficary’s country from the drop-down. 3. Depending on your international account type selection, enter either the recipient’s IBAN, SWIFT/BIC or both. 4. Enter the beneficiary’s address.

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

Business Banking: Recipients Overview