Business Online Banking

How to Add a User Role

Easily add and manage user roles within online banking. Here’s how.

1. Go to Settings and select User Roles. Inside, select Create Role.
   • To edit current User Roles, select the  icon next to the desired role.
2. Name the user role (e.g. Bookkeeper, Office Manager, etc.). The description field is optional. Then press OK.
3. The next page will show the following options: Transactions, Features and Accounts. The first tab ‘Transactions’ shows what services your online banking set up has (ACH Single Payments, Collections, Payroll, Wires, Stop Payments, etc.).

All services are automatically enabled. To disable services, click into each service on the left side menu and click the Enabled button to show Disabled. You can also edit the drafting/approving abilities and limits by clicking into Allowed Actions, Rights, or by editing the Approval Limits shown below.

4. The Features tab holds the rights to what this user role will have. We do not recommend turning on Manage Users or Manage User Roles, as this is a feature we enable for the online admin only. All enabled features will have a  next to them.
   • If this user role will be processing payments, the feature “Allow one-time recipients” will need to be enabled. If this user is allowed to view and edit recipients, “Manage Recipients” and “View all recipients” will also need to be enabled.
5. The last step is assigning accounts to the new user role. Click into the Accounts tab, then select Show unassigned accounts. The accounts are not automatically assigned because most users added are not signers on the accounts and it is up to the admin to decide which rights on each account that they would like this user to have. Click  to enable the rights or check mark to disable the rights.
6. Once the desired account rights have been selected, click Save in the top right.
7. To assign the newly created user role, go to Users under the Settings tab and select the pencil icon next to the desired user. Click in the box under Current Role to drop down the menu of user roles available and save once finished.
   • If the User Role was created before the new user, please follow the Adding and Managing Online Banking Users job aid found on the previous page.
   • User roles may be created and assigned to more than one user.

How to Add a New User

Easily add and manage users within online banking. Here’s how.

1. Go to Settings on the left side menu and select Users.
   • To edit existing users, select  next to the desired user and choose Assign Rights.
2. Enter the new user’s First Name, Last Name, Email, and Phone Number.
   Note: if the user’s phone number is outside of the U.S., select the phone country list to choose a different country.
3. Next, create a login ID and enter a password for the new user that meets the password criteria (ex: Password1!). Please ensure to share the newly created login credentials with the new user as an automatic email is not sent out.
   Note: If the below option for User Role is showing, please see the Adding and Managing Online Banking User Roles job aid on the previous page. If the intended user role is already created, please select from the dropdown list. 
4. Select Save New User Details.
   • If a user role was assigned, no further action needed. If assigning a user role was not an option, please observe the following steps.
5. Select Assign Rights in the bottom right corner. The next page will show the following options: Transactions, Features and Accounts. You can assign authority and limits to send ACH and Wires if you have signed up for these services, as well as account access, and other features.

 All services are automatically enabled. To disable services, click into each service on the left side menu and click the Enabled button to show Disabled. You can also edit the limits and drafting/approving abilities by clicking into Rights, Allowed Actions, or by editing the Approval Limits shown below.

6. The Features tab holds the rights to what this user role will have. We do not recommend turning on Manage Users or Manage User Roles as this is a feature we enable for the online admin only. All enabled features will have a  next to it.
   • If this user will be processing payments, the feature “Allow one-time recipients, “Mange Recipients” and “View all recipients” will also need to be enabled.
7. The last step is assigning accounts to the new user. Click into the Accounts tab, then select Show unassigned accounts. The accounts are not automatically assigned because most users added are not signers on the accounts. It is up to the admin to decide which rights on each account that they would like this user to have. Click  to enable the rights or  to disable the rights.
8. Once the desired account rights have been selected, click Save in the top right.

How to Add a New Recipient

How to Add and Manage Online Recipients:

1. Under the Commercial menu, select
   • To edit a recipient, locate their display name in your list and select  to the right and choose “Edit”. Then accounts within can be removed or edited by selecting  to the right of the account(s).
   • To add a new recipient, select New Recipient. 

Note: All boxes that have a * next to it are mandatory information.

2. Display Name is the name that will show in the Recipients list within your online banking.
   • Email address is optional but can be added if you would like to notify the recipient.
3. Depending on what services are available, select a Payment Type. Please follow each section for the payment type selected.

For ACH Only

1. Choose an Account Type. The only options available are checking or savings. Next, enter an Account and Routing Number. The routing number can also be verified or searched for in the box below Financial Institution (FI).
2. Once the account and routing number have been entered, select
   • Additional accounts may be added for a recipient after the initial account is saved. To add additional accounts, press + Add account located to the right of the recipient email address box.
3. Under Recipient Details section, ACH Name will be the Recipient’s Name at their financial institution. ACH ID and the address details are not required.
   • ACH ID would be what the recipient’s name is within your accounting system.

4. Once all required information is entered, select Save Recipient.

For Wire Only

1. Enter an Account Number. To autofill the Beneficiary FI information below, type the routing number of the receiving FI into the Financial Institution (FI) box then select your findings. Please verify that the auto filled information matches what is provided on the received wire instructions.
2. If you do not want to autofill the information or you are unable to locate it, please key in the information provided on the received wire instructions in the Beneficiary FI section
   • The name will be the receiving Financial Institution and then enter the address of the FI supplied on the wire instructions.
   • The FI ABA Number is typically the routing number of the receiving FI unless documented differently on the wire instructions provided by the Recipient
3. Once the account and routing number and beneficiary FI information has been entered, select .
4. Under Recipient Details, please enter the Recipient’s Name at their financial institution. Address information is also required in this area as well.
5. Once all required information is entered, select Save Recipient.

For ACH and Wire

• Please follow the steps for each option previously listed.
• Once all required information is entered, select Save Recipient.

How to Create a Payment Template

1. Under the Commercial tab on the left side menu, select Payments.
2. Select + Create Template and choose the desired template type.
   Note: only the payment types ACH Batch, Payroll, and ACH Collections may have more than one recipient.
3. Name the template as desired (e.g. Payroll, Monthly draw, etc.).
4. Depending on the receiver’s account ownership type, select the SEC Code CCD (commercial recipient) or PPD (individual or consumer recipient).
   • Only one SEC code may be used for batch payments.
5. Next, select a Subsidiary and the Account to send funds from. The last four showing for the subsidiary will be the last four of the tax ID on file. The last four showing for the account will be the last four of the account number.
   • If you have multiple accounts, you can search by typing in the last four of the account number.
6. Add an existing recipient by selecting + Add Multiple Recipients or click into the Search by name or account box to add an existing or new recipient. Or select + Add Another Recipient to add additional recipients.
   • If a new recipient is being added, please refer to the Adding and Managing Online Recipients Job Aid for further instructions.
   • To edit the existing recipient details, select , show details, then the pencil. To remove, select Remove on the toggle menu.
   • To change the recipient chosen, click into the “Search by name or account” box again and choose from the drop down list.
   • To add split payments for Payroll, please refer to the Online ACH Payroll Job Aid.

7. (Optional) Enter amounts next to each recipient if there is a set amount going out each payment.
8. Once the desired recipient(s) and amount(s) are added, save.

How to Pay from a Template

1. Under the Commercial tab on the left side menu, select Payments.
2. Then select  next to the desired template and select Pay.
3. Select an Effective Date by clicking in the box below or selecting the Calendar icon within. For next day processing, please submit the payment by the 4 PM cutoff time on normal banking days. For Same Day processing, please submit by the 12 PM cut off time on normal banking days.
4. Enter Amount next to the Recipient’s name.
   • Move to step 4 if amounts were preset when creating this template.
5. Select Draft for Dual Control or Approve for Authorization Token Users. For Dual Control, to approve the Transaction, select the Online Activity Center, locate the transaction and select  to drop down the actions menu, then select

Note: You can review all online activity within the Online Activity Center.

How to Enable Mobile Authorizations

Easily enable mobile authorization for payments, funds transfers, and wire transfers. Here’s how.

1. Under the Settings tab, select Mobile Authorization.
2. Enter a 4-digit numeric code (do not use a code that would be easy to guess such as date of birth, last 4 of social, etc.).
3. Do one or more of the following:
   • Click Add Email, enter their email address, and click Save.
     Note: Email notification is a one-way communication that notifies an authorized approver that a transaction is pending approval, but the approver cannot approve the payment using a mobile authorization via the email.
   • Click Add Phone and select the country for the phone number from the drop-down list. Enter the phone number and click Save.
     Note: Phone notification will be delivered via a phone call where the approver can hear a summary of the payment and approve the payment using the mobile authorization code they created.

4. Select the Transaction Types you would like to approve via Mobile Authorization.
5. Click Submit to save all changes.

How Does Mobile Authorization Work for the User Drafting the Transaction?

How to Submit an ACH Batch Payment (Multiple Recipients)

1. Under the Commercial menu, select Payment.
2. Within the New Payment dropdown menu, select ACH Batch.
3. Select a SEC Code and the Account. The options are CCD (Commercial recipient) or PPD (Individual or Consumer recipient).
   • Only one SEC code may be used on the batch.
4. Select a Subsidiary and the Account to send funds from. The last four showing for the subsidiary will be the last four of the Tax ID on file. The last four showing for the account will be the last four of the account number.
   • If you have multiple accounts, you can search by typing in the last four of the account number.
5. Select an Effective Date by clicking in the box below or selecting the Calendar icon within. For next day processing, please submit the payment by the 4 PM the cutoff time on normal banking days. For Same Day processing, please submit by the 12 PM cut off on normal banking days.

• The option to make this a recurring transaction will show “Set Schedule” under Recurrence once an effective date is chosen.

7. Add an existing recipient by selecting + Add Multiple Recipients or a new or existing recipient by clicking or tapping into the Search by Name or Account Select + Add Another Recipient to add more recipients.
   • If a new recipient is being added, please refer to the Adding and Managing Online Recipients Job Aid for further instructions.
   • To edit the existing recipient details, select , show details, then the pencil. To remove, select Remove on the toggle menu.
   • To change the recipient chosen, click the “search by name or account” box again and choose from the drop down list
8. Enter the amount(s).
9. Select Draft for Dual Control or Approve for Authorization Token Users. For Dual Control, to approve the Transaction, select the Online Activity Center, locate the transaction and select  to drop down the actions menu, then select
   Note: You can review all online activity within the Online Activity Center.
   Note: Payment From File is also an option. Guidelines are found within the Upload From File link in the top right corner of the ACH batch payment option.

How to Submit ACH Collections (Multiple Recipients)

1. Under the Commercial menu, select Payment.
2. Within the New Payment dropdown menu, click ACH Collection.
3. Select an SEC Code. The options are CCD (Commercial recipient) or PPD (Individual or Consumer recipient).
   • Only one SEC code may be used on the batch.
4. Select a Subsidiary and the Account to send funds from. The last four showing for the subsidiary will be the last four of the Tax ID on file. The last four showing for the account will be the last four of the account number.
   • If you have multiple accounts, you can search by typing in the last four of the account number.
5. Select an Effective Date by clicking in the box below or selecting the Calendar icon within. For next day processing, please submit the payment by the 4 PM the cutoff time on normal banking days. For Same Day processing, please submit by the 12 PM cut off on normal banking days.

• The option to make this a recurring transaction will show “Set Schedule” under Recurrence once an effective date is chosen.

6. Add an existing recipient by selecting + Add Multiple Recipients or a new or existing recipient by clicking or tapping into the Search by Name or Account Select + Add Another Recipient to add more recipients.
   • If a new recipient is being added, please refer to the Adding and Managing Online Recipients Job Aid for further instructions.
   • To edit the existing recipient details, select , show details, then the pencil. To remove, select Remove on the toggle menu.
   • To change the recipient chosen, click into the “Search by name or account” box again and choose from the drop down list.

7. Enter the amount(s).
8. Select Draft for Dual Control or Approve for Authorization Token Users. For Dual Control, to approve the Transaction, select the Online Activity Center, locate the transaction and select  to drop down the actions menu, then select Approve.
   Note: You can review all online activity within the Online Activity Center.
   Note: Payment From File is also an option. Guidelines are found within the Upload From File link in the top right corner of ACH collections option.

How to Submit a Payroll

1. Under the Commercial menu, select Payment.
2. Within the New Payment dropdown menu, select Payroll.
3. Select a Subsidiary and the Account to send funds from. The last four showing for the subsidiary will be the last four of the Tax ID on file. The last four showing for the account will be the last four of the account number.
   • If you have multiple accounts, you can search by typing in the last four of the account number.
4. Select an Effective Date by clicking in the box below or selecting the Calendar icon within. For next day processing, please submit the payment by the 4 PM the cutoff time on normal banking days. For Same Day processing, please submit by the 12 PM cut off on normal banking days.
5. Add an existing recipient by selecting + Add Multiple Recipients or a new or existing recipient by clicking or tapping into the Search by Name or Account Select + Add Another Recipient to add more recipients.
   • If a new recipient is being added, please refer to the Adding and Managing Online Recipients Job Aid for further instructions.
   • To change the Recipient, click Recipient name to drop down the list and select a different recipient. To edit an existing recipient, select  and Show Details, then click the pencil to the right. To remove, select remove on the toggle menu.

To create a Split payment, please refer to Split Instructions at the bottom of this Job Aid.

6. Enter the amount(s).
7. Select Draft for Dual Control or Approve for Authorization Token Users. For Dual Control, to approve the Transaction, select the Online Activity Center, locate the transaction and select  to drop down the actions menu, then select  
   Note: you can review all online activity within the Online Activity Center.

Split Instructions

A recipient with multiple accounts is eligible for a Split payment. Please refer to the Adding and Managing Online Recipients Job Aid for adding additional accounts.

1. Select a recipient that has multiple accounts, then select  and choose Split Payment. 
2. Another box will appear below the primary account and provide the other account options for this recipient. When an amount is entered next to the secondary account, it will automatically subtract from the total amount and show the difference next to the primary account.

Note: Payment From File is also an option. Guidelines are found within the Upload From File link in the top right corner of the payroll payment option.

How to Submit an ACH Single Payment

1. Under the Commercial tab on the left side of the menu, select Payments.
2. Within the New Payment dropdown menu, select ACH Payment.
3. Depending on the receiver’s account ownership type, select the SEC Code CCD(commercial recipient) or PPD (individual or consumer recipient).
4. Select a Subsidiary and the Account to send funds from. The last four showing for the subsidiary will be the last four of the Tax ID on file. The last four showing for the account will be the last four of the account number.
   • If you have multiple accounts, you can search by typing in the last four of the account number.
5. Select an Effective Date by clicking in the box below or selecting the Calendar icon within. For next day processing, please submit the payment by the 4 PM the cutoff time on normal banking days. For Same Day processing, please submit by the 12 PM cut off on normal banking days.

• The option to make this a recurring transaction will show “Set Schedule” under Recurrence once an effective date is chosen.

6. Click or tap into the “Search by name or account” box under Recipient/Account to select an existing recipient or add a new recipient.
   • If a new recipient is being added, please refer to the Adding and Managing Online Recipients Job Aid for further instructions.
   • To edit the existing recipient details, select , show details, then the pencil.
   • To change the recipient chosen, click into the “Search by name or account” box again and choose from the drop down list.

7. Enter the amount(s).
8. Select Draft for Dual Control or Approve for Authorization Token Users. For Dual Control, to approve the Transaction, select the Online Activity Center, locate the transaction and select  to drop down the actions menu, then select Approve.
   Note: you can review all online activity within the Online Activity Center.

How to Submit a Wire Payment

1. Under the Commercial tab on the left side menu, select Payments.
2. Within the New Payment dropdown menu, select Domestic Wire.
3. Select a Subsidiary and the Account to send funds from. The last four showing for the subsidiary will be the last four of the Tax ID on file. The last four showing for the account will be the last four of the account number.
   • If you have multiple accounts, you can search by using the last four of the account number.
4. Select a Process Date. Same day is an option if the wire is submitted before the 2 PM Cutoff 
5. Click into the “Search by name or account” box under Recipient/Account to select an existing recipient or to add a new Recipient.
   • If a new recipient is being added, please refer to the Adding and Managing Online Recipients Job Aid for further instructions.
   • To change the Recipient, click Recipient name to drop down the list and select a different recipient. To edit an existing recipient, select  and Show Details, then pencil to the right or to remove, select remove on the toggle menu

• Select Optional Wire Information to send a Message to Beneficiary, enter Purpose of Wire and/or Description.

6. Enter the amount next to the Recipient’s name.
7. Select Draft for Dual Control or Approve for Authorization Token Users. For Dual Control, to approve the Transaction, select the Online Activity Center, locate the transaction and select  to drop down the actions menu, then select Approve.
   Note: you can review all online activity within the Online Activity Center.

How to Upload a Payment through a File

1. Under the Commercial tab on the left side menu, select Payments.
2. Within the New Payment drop-down menu, select Payment from File.
3. Click the Payment Type drop-down menu and select a payment type. Options available may vary depending on which services you have set up within your online banking.

Once a payment type has been selected, uploading guidelines for CSV and NACHA formatted files will show.

4. Click on the box below Import File to upload a file from your computer. Once the file is selected, choose Upload File in the bottom right corner.
5. Select an SEC Code. The options are CCD (Commercial recipient) or PPD (Individual or Consumer recipient).
   • Only one SEC code may be used on the batch. Payroll payments will autofill to PPD.
6. Select a Subsidiary and the Account to send funds from. The last four showing for the subsidiary will be the last four of the Tax ID on file. The last four showing for the account will be the last four of the account number.
   • If you have multiple accounts, you can search by using the last four of the account number.
7. Select an Effective Date by clicking in the box below or selecting the Calendar icon within. For next day processing, please submit the payment by the 4 PM the cutoff time on normal banking days. For Same Day processing, please submit by the 12 PM cut off on normal banking days. 
8. Select Draft for Dual Control or Approve for Authorization Token Users. For Dual Control, to approve the Transaction, select the Online Activity Center, locate the transaction and select  to drop down the actions menu, then select Approve.

Note: You can review all online activity within the Online Activity Center.