Business Online Banking Tutorials
Automated Clearing House (ACH)
ACH is a network that facilitates electronic financial transactions, simplifying online payments for your business.
Wire Transfers
Wire transfers offer a fast way to move funds electronically. Some funds may be processed on the same day, making them a convenient and safe way for your business to transfer funds.
Positive Pay
Positive Pay offers your business protection against check fraud. It also blocks non-authorized transactions to your account, keeping your business safe.
Automated Clearing House (ACH)
Creating an ACH Batch
- Select Payments.
- Click ACH.
- Select Create ACH.
- Enter the batch name and select the company to originate from.
- Complete the required SEC & Entry description fields.
- The Discretionary data field is optional.
- Click Add recipients.
- Enter the recipient’s name, amount, and account information.
- Click Optional fields to enter an ID number or addenda if applicable.
- Check Prenote to create a separate $0 payment for account validation.
- Select Hold to prevent this transaction from processing with the rest of the payment.
- Click +Add another recipient or select Save recipient if done.
- Complete the fields for the second recipient or to balance your file if applicable.
- Click the “Delete" icon to remove the recipient if needed.
- Continue adding recipients or select Save recipients when done.
- Click Create batch.
- Review your confirmation and click Done.
- Your batch template is then ready to be initiated.
Creating an ACH Batch by Uploading a NACHA File
- Select Upload ACH.
- Drag and drop your file here or click Browse.
- Click Upload.
- Review your confirmation.
- Please review your file and upload again if it shows an error status.
- Your file will appear in the active batch area.
- Select the file and click Edit to change the name.
Initiating a Payment
*NOTE: If dual control is enforced, a second user will need to complete this step.
- Select the batch template to initiate.
- Select the checkmark boxes icon if you have multiple templates to initiate at once.
- Click Review and initiate.
- Choose your offset account, frequency, and effective date.
- Check the bottom box to clear out dollar amounts in the template after processing.
- Select Initiate.
- Enter your password to authenticate.
- Click Done.
*NOTE: The status will show “Initiated” and will return to a “Ready” status after processing.
How to Uninitiate a Payment Batches in an “Initiated” status can be uninitiated up until our cut off time.
- Select the batch to uninitiate and then click Uninitiate.
- Confirm Uninitiate.
- The batch template is then back to a "Ready" status and will not process.
- Select a batch to modify it.
- Select the “…” icon to delete.
- Click Edit to change the batch name and header.
- Click the recipients to modify.
- Select a recipient to modify or delete.
- Select the pencil icon the edit all at once.
- Select the “Add Person” icon to add another recipient.
- Click the X when done.
Positive Pay
Entering Your Checks
- From your dashboard menu, select Positive Pay. (Depending on your settings you may need select Payments then Positive Pay.)
- Click Add checks.
- Select Add your checks manually.
- Choose the account the checks were written from.
- Enter the check number, amount, payee name, type, and date.
- Select Debit if entering a new check.
- Select Void to invalidate a previously entered check.
- Add another check or click Review to continue.
- Review the details, click to edit, or add another check if necessary.
- Click Approve when done.
- Select Approve to confirm.
- Click Done.
- The file will appear here as “Pending.”
- Click Review & approve.
- Double check your entries and click Approve.
- Click Done.
Uploading a Check File
- If you haven’t already, select Manage Templates and the “+” to create an upload template that matches your file format.
- Select Add Checks.
- Choose your template and the account the checks were written from.
-
Drag & drop or browse for your file and click Submit.
-
Review the items and click Approve.
-
Click Done or Upload another if you have more items.
-
The file will appear on your screen as “pending.”
-
Click Review & approve.
-
Review the details and click Approve.
-
Click Done.
Deciding Your Exception Item
- Select Work check exceptions.
- Select the correct account at the top of your screen.
- Review the item details, check the box to Pay, or leave blank to Return.
- Click Submit when done.
Wire Transfers
Creating a Wire
- From your dashboard menu, select Wires. (Depending on your settings, you may need to select Payments, then Wires.)
- Select Create wire.
- Enter a name for the wire and select the Account to debit.
- Click Add recipient.
- Enter the recipient’s name, account number, and physical address.
- Enter the recipient’s financial institution information.
- Click Add intermediary institution to add an intermediary if applicable.
- Click Save.
- Enter the amount and any notes that should accompany the wire.
- Check this box if you want to save the wire to use again in the future.
- Click Create wire.
- Click Done. The wire will appear in the “Active-Wire Details” area in a "Ready" status. Wires in "Ready" status have not been initiated and can be edited or deleted.
Initiating a Wire
- Select The wire.
- Click Review and initiate.
- Select Initiate.
- Enter your password to authenticate.
- Review your confirmation.
- The wire will be sent to the bank for processing.
*NOTE: If dual control is enforced, the wire will appear in an "Approval" status. A second user will need to transmit the wire to change the status to "Initiated". Click History to see processed wire activity. Click Templates to view wire templates. Select a template to review, edit, and initiate a new wire. Toggle between accounts to see other wires and templates.