Commercial Mobile and Internet Banking
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1 Getting Started Welcome to Commercial Mobile and Internet Banking with Nusenda Credit Union! Whether you are at home or at the office using a mobile phone, tablet, or laptop, we strive to make your Mobile and Internet Banking experience easy and convenient. By adding powerful commercial products and features, Nusenda provides you with the complex tools your business needs to achieve its goals. Although our Commercial Mobile and Internet 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 Internet Banking process. If you have additional questions, contact us at 505-889-7755 (800-347-2838 outside the Albuquerque area).
2 Table of Contents Getting Started Commercial Internet Banking Overview ....................................................................6 Users........................................................................................................................................6 Recipients................................................................................................................................6 Business Internet Banking Transaction Types ...................................................................7 Company Policy Editing Company Policy................................................................................................8 Part 1 of 10: Choosing a Transaction to Edit in Company Policy .....................................8 Part 2 of 10: Approval Limits ................................................................................................9 Part 3 of 10: Allowed Actions .............................................................................................10 Part 4 of 10: Amount ..........................................................................................................10 Part 5 of 10: Approvals .......................................................................................................11 Part 6 of 10: Choosing the Accounts .................................................................................11 Part 7 of 10: Choosing the Drafting Hours .......................................................................12 Part 8 of 10: Choosing the Location ..................................................................................12 Part 9 of 10: Choosing the IP Address...............................................................................13 Part 10 of 10: Choosing the SEC Code...............................................................................14 Company Policy Tester........................................................................................................15 Viewing Rights to Access Features.....................................................................................17 Establishing Rights to Access Accounts.............................................................................18 Creating and Editing Account Labels.................................................................................19 User Roles User Roles Overview...................................................................................................20 Creating, Editing, or Copying a User Role ................................................................21 Part 1 of 9: Choosing a Transaction to Edit in User Roles...............................................22 Part 2 of 9: Establishing Transaction Type Rights ............................................................23 Part 3 of 9: Approval Limits ................................................................................................24 Part 4 of 9: Disabling a Transaction Type .........................................................................25 Part 5 of 9: Allowed Actions ...............................................................................................26 Part 6 of 9: Enabling Operation Rights..............................................................................27 Part 7 of 9: Choosing the Maximum Draft Amount.........................................................28 Part 8 of 9: Enabling Allowed Accounts.............................................................................28 Part 9 of 9: Choosing Drafting Hours ................................................................................29 User Role Policy Tester........................................................................................................30 Deleting Allowed Actions ....................................................................................................32 Establishing Rights to Access Features..............................................................................33 Establishing Rights to Access Accounts.............................................................................34 Deleting a User Role ...................................................................................................35
3 User Management Users Overview ...........................................................................................................36 User Management Overview..............................................................................................37 Adding a New User .............................................................................................................38 Editing a User ..............................................................................................................39 Deleting a User............................................................................................................40 Recipient Overview .....................................................................................................41 ACH Only - Part 1 of 2: Adding a Recipient .......................................................................42 ACH Only - Part 2 of 2: Recipient Account Detail .............................................................43 ACH & Wire - Part 1 of 4: Adding a Recipient....................................................................44 ACH & Wire - Part 2 of 4: Beneficiary FI Detail..................................................................45 ACH & Wire - Part 3 of 4: Intermediary FI Detail ..............................................................46 ACH & Wire - Part 4 of 4: Recipient Account Detail..........................................................47 Wires Only (Domestic) - Part 1 of 4: Adding a Recipient .................................................48 Wires Only (Domestic) - Part 2 of 4: Beneficiary FI Detail ...............................................49 Wires Only (Domestic) - Part 3 of 4: Intermediary FI Detail ............................................50 Wires Only (Domestic) - Part 4 of 4: Recipient Account Detail .......................................51 Wires Only (International) - Part 1 of 4: Adding a Recipient ...........................................52 Wires Only (International) - Part 2 of 4: Beneficiary FI Detail .........................................53 Wires Only (International) - Part 3 of 4: Intermediary FI Detail......................................54 Wires Only (International) - Part 4 of 4: Recipient Account Detail .................................55 Editing a Recipient ......................................................................................................56 Editing a Recipient’s Templates..........................................................................................57 Deleting a Recipient....................................................................................................58 Payments Payment Template Overview ....................................................................................59 Creating a Template ...................................................................................................60 ACH Batch .............................................................................................................................61 ACH Payment........................................................................................................................63 ACH Collection......................................................................................................................65 Domestic Wire ......................................................................................................................67 International Wire................................................................................................................69 Payroll....................................................................................................................................71 Sending a Single Payment..........................................................................................73 ACH Batch .............................................................................................................................73 ACH Payment........................................................................................................................76 ACH Collection......................................................................................................................78 Domestic Wire ......................................................................................................................81 International Wire................................................................................................................83 Payroll....................................................................................................................................85 Splitting a Payment..............................................................................................................88
4 Upload From File.........................................................................................................89 Creating a New File Map - Delimited Files ........................................................................89 Creating a New File Map - Fixed Width .............................................................................92 Using an Existing File Map ..................................................................................................95 Editing an Existing File Map ................................................................................................96 Deleting an Existing File Map..............................................................................................97 Viewing, Approving, or Canceling a Transaction.....................................................98 Single Transaction................................................................................................................98 Multiple Transactions..........................................................................................................99 Editing or Using a Template ................................................................................... 100 Deleting a Template ................................................................................................ 101 Wire Activity .............................................................................................................. 102 ACH Pass-Thru.......................................................................................................... 103 Mobile Authorizations ............................................................................................. 104 Transfers Funds Transfer ......................................................................................................... 106 Individual Transfers.......................................................................................................... 106 Multi-Account Transfers Overview ................................................................................. 108 Multi-Account Transfers- Creating a Template ............................................................. 109 Multi-Account Transfers- Single Transfer ...................................................................... 111 Editing a Multi-Account Transfer Template .......................................................... 113 Deleting a Multi-Account Transfer Template........................................................ 114 Positive Pay Introduction.............................................................................................................. 115 Managing Exceptions .............................................................................................. 116 Viewing Positive Pay Decisions........................................................................................ 118 Add a Check Confirmation...................................................................................... 119 Submit Issued Check File ........................................................................................ 120 Advanced Positive Pay Introduction.............................................................................................................. 121 Quick Exception Processing.................................................................................... 122 Submit Issued Check File ........................................................................................ 125 Add New Issued Check File..................................................................................... 126 Void a Check ............................................................................................................. 127 Check Search ............................................................................................................ 128 ACH Transaction Search.......................................................................................... 130 Exception Items........................................................................................................ 131 Daily Checks Issued Summary ............................................................................... 133 Transaction Extracts ................................................................................................ 134
5 Account Reconciliation ............................................................................................ 135 Check Reconciliation Summary.............................................................................. 136 Deposit Reconciliation Summary........................................................................... 137 ACH Authorization Rules Setup.............................................................................. 138 Create an ACH Authorization Rule.................................................................................. 138 Manage ACH Authorization Rules................................................................................... 140 Transaction Filters/Blocks....................................................................................... 141 User Setup ................................................................................................................ 142 Issued Check File Processing Log........................................................................... 147
Getting Started: Commercial Internet Banking Overview 6 Getting Started Commercial Internet Banking Overview Whether you’re an enterprise, large corporation, or small organization, our flexible Commercial Mobile and Internet Banking can efficiently serve you. Depending on your size, the first steps in banking online are setting up your users and recipients. After setting up these key entities, you can jump right in and experience our state-of-the-art system! Users If your business only needs one person with access to Commercial Mobile and Internet Banking, you can set up a single login ID and password. This is typical for small companies who primarily use basic online banking tools with occasional business transactions. For larger organizations, our system lets you establish multiple login IDs and passwords for authorized employees. After setting up a company policy with a Nusenda representative, you can organize which employees get access to different features within Commercial Mobile and Internet Banking by establishing user roles. Recipients Recipients are people or businesses to whom you send money using a payment feature offered through Commercial Mobile and Internet Banking. After creating a profile for each recipient, you can choose the method to send them money and the respective transaction details. Each recipient is saved so you can quickly and easily make future payments.
Getting Started: Commercial Internet Banking Overview 7 Various types of payment methods are offered through Commercial Mobile and Internet Banking, including wire and ACH transfers. 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 505-889-7755 (800-347-2838 outside the Albuquerque area) for a full list of wire and ACH fees or if you have any questions. Business Internet Banking Transaction Types Type Description ACH Pass-Thru Upload a NACHA-formatted file. ACH Payment Send a payment to one recipient. ACH Batch Send a payment to several recipients. ACH Collection 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. Send payroll to several recipients. If a Payroll recipient has more than one account, you can split that payment into several accounts.
Company Policy: Editing Company Policy 8 Company Policy Editing Company Policy Company Policy is a list of allowed actions and limits that applies to the whole business. All created user rights fit within the Company Policy. If you have Manage Company Policy rights, you can make edits to parts of the Company Policy, but it cannot be deleted. Part 1 of 10: Choosing a Transaction to Edit in Company Policy View a list of all transaction types including their approval limits and allowed actions. Here, users with Manage Company Policy rights can choose a type of transaction to edit at the Company Policy level. 2 1 In the menu, select the Commercial tab, then click Company Policy. 1. Use the filters links and drop-down to filter transactions. 2. Click on the transaction type you would like to make changes to.
Company Policy: Editing Company Policy 9 Part 2 of 10: Approval Limits You can review the Approval Limits within the Company Policy. These limits are read-only at the Company Policy level, but can be adjusted within User Roles to fit a user’s specific responsibilities. 1 1. View the maximum limits for transactions and amounts. Note: Maximum Amount is the maximum amount of funds a user can approve or draft per transaction, per account, per day, or per month. The Maximum Count is the number of transactions they can perform or draft per transaction, per account, per day, or per month.
Company Policy: Editing Company Policy 10 Part 3 of 10: Allowed Actions 1 2 1. Click the Allowed Actions tab. 2. Click the Add Allowed Action button to add a new allowed action or the icon to edit an existing allowed action. Part 4 of 10: Amount Decide on the maximum amount of drafted funds. 1 1. Enter the maximum draft amount or select Any allowable amount for an unlimited amount.
Company Policy: Editing Company Policy 11 Part 5 of 10: Approvals Next, you can decide on the number of authorized approvals needed for that specific transaction type. 1 1. Use the drop-down to select how many approvals the specific transaction type requires. Part 6 of 10: Choosing the Accounts If you have Manage Company Policy rights, you can decide which accounts are used for a specific transaction. 1 1. Click the Select specific account(s) link to select specific accounts or select Any allowed account to allow all accounts.
Company Policy: Editing Company Policy 12 Part 7 of 10: Choosing the Drafting Hours You can also set time limitations for specific transactions. This is especially beneficial if you only want transactions to occur during business hours. 1 2 3 1. Click the + Add Draft Hours link. 2. Use the drop-downs to add draft hours. 3. Click the button when you are finished making changes. Part 8 of 10: Choosing the Location If your business conducts transactions in different regions, you can select the appropriate places to permit them within the Company Policy. 1 1. Select which countries transactions can be performed in.
Company Policy: Editing Company Policy 13 Part 9 of 10: Choosing the IP Address To further strengthen your Company Policy, you can specify which computers can perform transactions by entering the device’s unique IP address. 1 2 1. Click the + Add IP Address link. 2. Enter a new IP Address and click the button.
Company Policy: Editing Company Policy 14 Part 10 of 10: Choosing the SEC Code Standard Entry Class Codes, or SEC Codes, designate the valid payment methods allowed. Each SEC Code defines the type of transaction (debit or credit), type of account (corporate or consumer) and any information specific to the format (such as single/recurring, terminal location or check number). 1 2 1. Select which code you would like to use. 2. Click the Submit button when you are finished making changes.
Company Policy: Editing Company Policy 15 Company Policy Tester The Policy Tester gives you the ability to test possible actions before making changes within the Company Policy. This allows you to see if a certain transaction can be performed based on the Bank Policy and Company Policy. 1 2 In the menu, select the Commercial tab, then click Company Policy. 1. Click the Allowed Actions tab. 2. Click the icon to expand the policy tester.
Company Policy: Editing Company Policy 16 3 4 3. Create a sample transaction to test a user’s policy. 4. Click the Test button. You can then see whether the user can perform the transaction.
Company Policy: Editing Company Policy 17 Viewing Rights to Access Features You have the ability to view activated features within the Company Policy. This is a read-only section and the available features indicate which rights are activated. 1 2 In the menu, select the Commercial tab, then click Company Policy. 1. Click the Features tab. 2. View enabled rights and business features at the Company Policy level.
Company Policy: Editing Company Policy 18 Establishing Rights to Access Accounts You can see which accounts users can view, withdraw from and make deposits to within the Company Policy. This is read-only section at the Company Policy level, but it can be adjusted within User Roles to fit a user’s specific responsibilities. 2 1 In the menu, select the Commercial tab, then click Company Policy. 1. Click the Accounts tab. 2. View the accounts that are used under the Company Policy.
Company Policy: Editing Company Policy 19 Creating and Editing Account Labels Account labels allow users to organize their accounts. While these labels may be visible to all users, only users with enabled Manage Company Policy rights can create them. 2 3 4 5 6 1 In the menu, select the Commercial tab, then click Company Policy. 1. Click the Accounts tab. 2. Check the box next to a specific account. 3. (Optional) Enter a new label name and click the Create button. 4. (Optional) Check the box next to an existing label to add it to the account and click the Update button. 5. Click the Save button. 6. Click the Save button when you are finished making changes.
User Roles: User Roles Overview 20 User Roles User Roles Overview Once you establish your Company Policy, you can start creating user roles. User roles are the restrictions placed to shape a user’s privileges, depending on the responsibilities a user has. Some users may have the ability to draft a transaction, while others can approve it. User roles must fit within the Company Policy and cannot exceed it. A B C In the menu, select the Commercial tab, then click User Roles. A. You can use the search bar to find specific user roles. B. Click the icon next to the appropriate column to sort user roles by name, description or users. C. The number under the Users column indicates how many users are assigned to this role. Click the number to see who is assigned to a specific role.
User Roles: Creating, Editing, or Copying a User Role 21 User Roles Creating, Editing, or Copying a User Role To begin editing or creating a user role, you must decide what privileges and responsibilities a particular user has. You can then write a description of the role and give it a unique name. 1a 1b 1c 2 3 4 In the menu, select the Commercial tab, then click User Roles. 1. Decide if you are making a new role, editing an existing role, or copying a role. a. Click the Create Role button if you are making a new user role. b. Click the icon to edit an existing role. c. Click the icon to copy and adjust an existing role. 2. (Optional) If you are editing an existing user role, edit the role name by clicking the icon. 3. Enter a role name if you are making a new role or copying a role. 4. Click the Ok button.
User Roles: Creating, Editing, or Copying a User Role 22 Part 1 of 9: Choosing a Transaction to Edit in User Roles View a list of all transaction types including their approval limits and allowed actions. Here, users with Manage User Roles rights can choose a type of transaction to edit at the User Role level. 1 2 1. Use the filters links and drop-down to filter transactions. 2. Click on the transaction type you would like to make changes to.
User Roles: Creating, Editing, or Copying a User Role 23 Part 2 of 9: Establishing Transaction Type Rights You can start assigning or editing a user’s rights, to help you decide which responsibilities and limitations a user should have regarding certain transactions. Here, you can change a user’s approval limits and decide which transaction types they can view, draft, approve, or cancel. 1 1. Use the drop-down to change which transaction activity a user can view. • All: Can view all transactions • Role: Can view transactions by others in this role • Account: Can view transactions to or from entitled accounts • Own: Can view own transactions • No: Cannot view any transactions
User Roles: Creating, Editing, or Copying a User Role 24 Part 3 of 9: Approval Limits A user’s approval limits can be adjusted, so you never have to worry about the amount or number of transactions they make. You can set these restrictions for a daily and monthly basis, as well as per account. 1 2 1. Edit the maximum amounts a user can approve or draft, and the maximum number of transactions a user can perform. 2. Click the Save button when you are finished making changes. Note: Maximum Amount is the maximum amount of funds a user can approve or draft per transaction, per account, per day, or per month. The Maximum Count is the number of transactions they can perform or draft per transaction, per account, per day, or per month.
User Roles: Creating, Editing, or Copying a User Role 25 Part 4 of 9: Disabling a Transaction Type If a user should not have access to a certain transaction type, such as payroll or international wires, an authorized user can disable those rights for individual users. 2 1 1. Toggle the switch to Disabled for that specific transaction. 2. Click the Save button when you are finished making changes.
User Roles: Creating, Editing, or Copying a User Role 26 Part 5 of 9: Allowed Actions Next, you can decide on the number of authorized approvals needed for that specific transaction type. 1 2 1. Click the Allowed Actions tab. 2. Click the Add Allowed Action button to add a new allowed action or the icon to edit an existing allowed action.
User Roles: Creating, Editing, or Copying a User Role 27 Part 6 of 9: Enabling Operation Rights You can select the allowed operations a user can perform when handling a transaction, such as drafting, approving, or canceling rights. 1 1. Check or uncheck boxes depending on if a user can perform a specific operation. • Draft: Create a transaction or template that needs approval from an authorized user. • Draft Restricted: Generate a drafted transaction based on an existing template that is assigned to them or adjust the amount, settlement, date, or description. • Approve: Send or accept drafted transactions. • Cancel: Reject a drafted or unprocessed transaction.
User Roles: Creating, Editing, or Copying a User Role 28 Part 7 of 9: Choosing the Maximum Draft Amount If you have Manage Company Policy rights, you can choose the maximum amount of funds that can be drafted per transaction. This cannot exceed the Company Policy. 1 1. Enter the maximum draft amount or select Any allowable amount for an unlimited amount. Part 8 of 9: Enabling Allowed Accounts The Accounts tab lets you decide which users have access to perform specific tasks within an account, including viewing the account and transaction history and making deposits or withdrawals. 1 1. Click the Select specific account(s) link to select specific accounts or select Any allowed account to allow all accounts.
User Roles: Creating, Editing, or Copying a User Role 29 Part 9 of 9: Choosing Drafting Hours You can also decide the time frame a user can create or draft transactions. This allows you to closely monitor when transactions occur or when drafted transactions need approval. 1 2 3 4 1. Click the + Add Draft Hours link. 2. Use the drop-downs to add draft hours. 3. Click the button. 4. Click the Submit button when you are finished making changes.
User Roles: Creating, Editing, or Copying a User Role 30 User Role Policy Tester The Policy Tester gives you the ability to test possible actions before making the changes within the user role. This allows you to see if the user is able to perform a certain transaction based on the Bank Policy, Company Policy and User Role Policy. 1 2 3 In the menu, select the Commercial tab, then click User Roles. 1. Click the icon next to an existing user role, or click the Create Role button and follow the steps on page 22 to create a new user role. 2. Click the Allowed Actions tab. 3. Click the icon to expand the policy tester.
User Roles: Creating, Editing, or Copying a User Role 31 4 5 4. Create a sample transaction to test a user’s policy. 5. Click the Test button. You can then see whether the user can perform the transaction.
User Roles: Creating, Editing, or Copying a User Role 32 Deleting Allowed Actions You may need to delete a list of allowed actions within a specific transaction type. 2 3 1 4 In the menu, select the Commercial tab, then click User Roles. 1. Click the icon next to an existing user role. 2. Click on the appropriate transaction type. 3. Click the Allowed Actions tab. 4. Click the icon to delete the transaction’s specific allowed actions.
User Roles: Creating, Editing, or Copying a User Role 33 Establishing Rights to Access Features When assigning user rights, the Features tab lets you control who can edit templates or manage users, subsidiaries, or recipients. Depending on their User Policy or job duties, some users may have different responsibilities than others. 3 2 1 4 In the menu, select the Commercial tab, then click User Roles. A. Click the icon next to an existing user role, or click the Create Role button and follow the steps on page 22 to create a new user role. 2. Click the Features tab. 3. Use the toggles to enable and disable features. 4. Click Save when you are finished making changes. Note: If the Manage Users right is assigned to a user, they can change their own rights. Be sure to limit which users have this feature.
User Roles: Creating, Editing, or Copying a User Role 34 Establishing Rights to Access Accounts The Accounts tab lets you decide which users have access to perform specific tasks within an account, including viewing the account and transaction history and making deposits or withdrawals. 3 4 2 1 In the menu, select the Commercial tab, then click User Roles. 1. Click the icon next to an existing user role, or click the Create Role button and follow the steps on page 22 to create a new user role. 2. Click the Accounts tab. 3. Edit a user’s ability to view, deposit to, or withdraw from a specific account. • User right is active. • User right is disabled. 4. Click the Save button when you are finished making changes.
User Roles: Deleting a User Role 35 User Roles Deleting a User Role If you are assigned the Manage Users right, you have the ability to permanently delete a user role that is no longer needed. 2 1 In the menu, select the Commercial tab, then click User Roles. 1. Click the icon to delete a specific user role. 2. Click the Delete button to confirm.
User Management: Users Overview 36 User Management Users Overview Depending on your number of employees, owners, and company policies, Commercial Mobile and Internet Banking lets you set up multiple users with different responsibilities. After establishing a Company Policy with your accountant or financial advisor, 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.
User Management: Users Overview 37 User Management Overview The User Management page lets you view all your existing users and their contact information in one easy place. From here, you can create users, edit rights, and oversee your employees on a day-to-day basis. A B C In the menu, select the Commercial tab, then click Users. A. The following information presents for each user: • Name • Email address • Applied user role • Status • Last login time B. You can click on a user role to make edits. C. Click the icon next to the Users column to sort users in alphabetical or reverse alphabetical order, by email address, role, status, or last login.
User Management: Users Overview 38 Adding a New User Each employee needs their own specific login ID and password to give them access to your business’s internet banking. This allows you to manage your business banking at multiple levels. 1 2 3 4 6 7 In the menu, select the Commercial tab, then click Users. 1. Click the Add User button in the top right corner. 2. Enter the user’s first name, last name, and email address. 3. Select the user’s country using the Phone Country drop-down and enter their phone number. 4. Create a unique login ID for the new user. 5. Enter a password following our guidelines and confirm it in the provided space. 6. Select the appropriate user role using the drop-down. 7. Click the Save New User Details button when you are finished. 5
User Management: Editing a User 39 User Management Editing a User Authorized users with the Manage Users right can make changes to existing users at any time. This is especially beneficial if someone’s job title changes and their approval limits and responsibilities need to be adjusted. 1 2 3 In the menu, select the Commercial tab, then click Users. 1. Find the user you want to edit and click the icon. 2. Activate or deactivate a user by clicking the Edit Status link. 3. Select a different user role using the Current Role drop-down. Click the Update Role button when you are finished making changes.
User Management: Deleting a User 40 User Management Deleting a User If you are assigned the Manage Users right, you have the ability to permanently delete a user that is no longer needed. This deletes their contact information from the User Management page and deactivates their Commercial Mobile and Internet Banking login ID. It does not erase the data from any existing payments. 1 2 3 In the menu, select the Commercial tab, then click Users. 1. Find the user you want to remove and click the icon. 2. Click the Delete button. 3. Click the Confirm button to permanently remove a user.
User Management: Recipient Overview 41 Recipients Recipient Overview A recipient is any person or company that receives payments from your business. For easy access on the Recipient Management page, you can set up individual profiles for each recipient. This allows funds to be sent to or received by them easily and enables you to include them in multiple payments or templates after their profiles are created. A C B In the menu, select the Commercial tab, then click Recipients. A. The following information presents for each recipient: • Name • Email address • Number of accounts they have B. Click the icon next to 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.
User Management: Recipient Overview 42 ACH Only - Part 1 of 2: Adding a Recipient If you are assigned the Manage Recipient right, you need to set up your recipients before you can send payments. In order to add a recipient, you need their contact and account information. 1 3 2 4 5 10 6 7 8 9 11 In the menu, select the Commercial tab, then click Recipients. 1. Click the New Recipient button. 2. Enter a display name and the recipient’s email address. 3. Check the box next to Send email notifications for template payments to alert them when a payment is sent. 4. (Optional) Click the +Add Account link to add a new account. 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). 9. Enter the recipient’s ACH routing number. 10. Click the icon to edit or remove a recipient’s account information. 11. Click the button when you are finished.
User Management: Recipient Overview 43 ACH Only - Part 2 of 2: Recipient Account Detail You need to provide a new recipient’s account information, including their financial institution (FI) and account number. Depending on the types of payments you plan on sending them, you need to specify how users are allowed to send funds to this recipient. 1 2 3 4 5 6 1. Enter the ACH name and ID. 2. Use the drop-down to select the recipient’s country. 3. Enter the recipient’s street address. 4. Enter the recipient’s city. 5. Select the recipient’s state using the drop-down and enter the zip code. 6. Click the Save Recipient button.
User Management: Recipient Overview 44 ACH & Wire - Part 1 of 4: Adding a Recipient If you are assigned the Manage Recipient right, you need to set up your recipients before you can send payments. In order to add a recipient, you need their contact and account information. 1 2 3 4 5 10 6 7 8 9 In the menu, select the Commercial tab, then click Recipients. 1. Click the New Recipient button. 2. Enter a display name and the recipient’s email address. 3. Check the box next to Send email notifications for template payments to alert them when a payment is sent. 4. (Optional) Click the +Add Account link to add a new account. 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). 9. Enter the recipient’s ACH routing number. 10. Click the icon to edit or remove a recipient’s account information.
User Management: Recipient Overview 45 ACH & Wire - Part 2 of 4: Beneficiary FI Detail When sending a wire, the beneficiary FI is the final bank that receives the funds. Depending on the payment type you selected in Part 1, you may need to provide beneficiary FI information. 2 3 4 1 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 are rejected. Be sure all information is correct before proceeding.
User Management: Recipient Overview 46 ACH & Wire - Part 3 of 4: Intermediary FI Detail Some FIs use an in-between third-party bank called an intermediary FI to process funds. If your beneficiary FI requires an intermediary FI, you need the FI’s wire routing number and address. 1 2 3 4 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.
User Management: Recipient Overview 47 ACH & Wire - Part 4 of 4: Recipient Account Detail You need to provide a new recipient’s account information, including their financial institution (FI) and account number. Depending on the types of payments you plan on sending, you need to specify how users are allowed to send funds to this recipient. 1 2 3 4 5 6 1. Enter the wire name. 2. Enter the ACH name and ACH ID. 3. Select the recipient’s country using the drop-down, then enter their street address. 4. Enter the city and select the recipient’s state using the drop-down. 5. Enter the zip code. 6. Click the Save Recipient button.
User Management: Recipient Overview 48 Wires Only (Domestic) - Part 1 of 4: Adding a Recipient If you are assigned the Manage Recipient right, you need to set up your recipients before you can send payments. In order to add a recipient, you need their contact and account information. 1 2 3 4 5 6 9 8 7 In the menu, select the Commercial tab, then click Recipients. 1. Click the New Recipient button. 2. Enter the recipient’s name and email address. 3. Check the box next to Send email notifications for template payments to alert them when a payment is sent. 4. (Optional) Click the +Add Account link to add a new account. 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). 9. Click the icon to edit or remove a recipient’s account information.
User Management: Recipient Overview 49 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. Depending on the payment type you selected in Part 1, you may need to provide beneficiary FI information. 2 3 4 1 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 are rejected. Be sure all information is correct before proceeding.
User Management: Recipient Overview 50 Wires Only (Domestic) - Part 3 of 4: Intermediary FI Detail Some FIs use an in-between third-party bank called an intermediary FI to process funds. If your beneficiary FI requires an intermediary FI, you need the FI’s wire routing number and address. 1 2 3 4 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.
User Management: Recipient Overview 51 Wires Only (Domestic) - Part 4 of 4: Recipient Account Detail You need to provide a new recipient’s account information, including their financial institution (FI) and account number. Depending on the types of payments you plan on sending them, you need to specify how users are allowed to send funds to this recipient. 1 2 3 4 5 1. Enter the wire name. 2. Select the recipient’s country using the drop-down, then enter their street address. 3. Enter the city and select the recipient’s state using the drop-down. 4. Enter the zip code. 5. Click the Save Recipient button.
User Management: Recipient Overview 52 Wires Only (International) - Part 1 of 4: Adding a Recipient If you are assigned the Manage Recipient right, you need to set up your recipients before you can send payments. In order to add a recipient, you need their contact and account information. 1 2 3 4 7 6 5 9 8 In the menu, select the Commercial tab, then click Recipients. 1. Click the New Recipient button. 2. Enter the recipient’s name and email address. 3. Check the box next to Send email notifications for template payments to alert them when a payment is sent. 4. (Optional) Click the +Add Account link to add a new account. 5. Select a payment type using the Payment Type drop-down. 6. Select Domestic from the Beneficiary Type drop-down. 7. Select the recipient’s account type using the International Account Type drop-down. 8. (SWIFT/BIC Only) Enter the recipient’s account number. 9. Click the icon to edit or remove a recipient’s account information.
User Management: Recipient Overview 53 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. Depending on the payment type you selected in Part 1, you may need to provide beneficiary FI information. IBAN 1 2 3 4 Account and SWIFT/BIC 3 Account, IBAN, and SWIFT/BIC 3 1. Enter the beneficiary FI’s name. 2. Select the beneficiary’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 are rejected. Be sure all information is correct before proceeding.
User Management: Recipient Overview 54 Wires Only (International) - Part 3 of 4: Intermediary FI Detail Some FIs use an in-between third-party bank called an intermediary FI to process funds. If your beneficiary FI requires an intermediary FI, you need the FI’s wire routing number and address. 1 2 3 4 1. Enter the intermediary FI’s name, country, 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.
User Management: Recipient Overview 55 Wires Only (International) - Part 4 of 4: Recipient Account Detail You need to provide a new recipient’s account information, including their financial institution (FI) and account number. Depending on the types of payments you plan on sending them, you need to specify how users are allowed to send funds to this recipient. 1 2 3 4 5 6 1. Enter the wire name. 2. Select the recipient’s country using the drop-down. 3. Enter the recipient’s street address. 4. Enter the city and select the recipient’s state using the drop-down. 5. Enter the zip code. 6. Click the Save Recipient button.
User Management: Editing a Recipient 56 Recipients Editing a Recipient If a recipient’s account or personal information changes, an authorized user can make those necessary edits from the Recipient Management page. 1 2 3 In the menu, select the Commercial tab, then click Recipients. 1. Find the recipient you want to edit and click the icon. 2. Click the icon to edit or remove a recipient’s account information. 3. Edit the recipient’s details.
User Management: Editing a Recipient 57 Editing a Recipient’s Templates When you make changes to an existing recipient, you can view and edit which templates the recipient is assigned to. While viewing their templates, you can change their accounts or edit specific templates. 1 2 3 In the menu, select the Commercial tab, then click Recipients. 1. At the bottom of the page, review the list of templates the recipient is added to and the amount the recipient receives from each payment. 2. Click the Access link to edit a specific template. 3. Click the Save Recipient button when you are finished making changes. Note: For additional information about editing a recipient’s assigned templates, go to page 59.
User Management: Deleting a Recipient 58 Recipients Deleting a Recipient If you are assigned the Manage Recipient right, you have the ability to permanently delete a recipient that is no longer needed. This deletes their contact information from the Recipient Management page, but it does not erase the data from any existing payments. 2 1 In the menu, select the Commercial tab, then click Recipients. 1. Click the icon and select Delete to remove a recipient. 2. Click the Delete Recipient button to permanently delete a recipient.
Payments: Payment Template Overview 59 Payments Payment Template Overview If you have frequent repeating payments such as payroll or wires, you can set up a template so each transaction is fast and simple. These templates automate your routine transactions by making a payment model with detailed directions established by an authorized user. Using templates reduces mistakes and saves you time on a regular basis. C A B D In the menu, select the Commercial tab, then click Payments. A. You can find specific templates by using the search bar or filter your templates using the provided filters. B. Click the icon next to the appropriate column to sort templates by name, transaction type, recipient, last paid date, and last paid amount. C. Templates can be saved to your favorites by clicking the icon. D. Click the icon to make a payment, edit, copy, or delete a template.
Payments: Creating a Template 60 Payments Creating a Template If you are assigned Draft or Approval rights, you can create a template for recurring transactions. A template is a pre-made payment model. It contains detailed directions that can be used for repeated transactions. Using a template helps reduce mistakes, assign tasks, and control payments. It’s best practice to use a template if you are sending payments to: • Vendors or suppliers • Collections from members • Payroll
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