Business Online Banking Tutorials

Our business customers aren’t just dreamers, they’re doers! That’s why we created step-by-step “how to” guides for using ACH, making wire transfers, and utilizing Positive Pay.



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

  1. Select Payments.
  2. Click ACH.
  3. Select Create ACH.
  4. Enter the batch name and select the company to originate from.
  5. Complete the required SEC & Entry description fields.
  6. The Discretionary data field is optional.
  7. Click Add recipients.
  8. Enter the recipient’s name, amount, and account information.
  9. Click Optional fields to enter an ID number or addenda if applicable.
  10. Check Prenote to create a separate $0 payment for account validation.
  11. Select Hold to prevent this transaction from processing with the rest of the payment.
  12. Click +Add another recipient or select Save recipient if done.
  13. Complete the fields for the second recipient or to balance your file if applicable.
  14. Click the “Delete" icon to remove the recipient if needed.
  15. Continue adding recipients or select Save recipients when done.
  16. Click Create batch.
  17. Review your confirmation and click Done.
  18. Your batch template is then ready to be initiated.

Creating an ACH Batch by Uploading a NACHA File

  1. Select Upload ACH.
  2. Drag and drop your file here or click Browse.
  3. Click Upload.
  4. Review your confirmation.
  5. Please review your file and upload again if it shows an error status.
  6. Your file will appear in the active batch area.
  7. 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.

  1. Select the batch template to initiate.
  2. Select the checkmark boxes icon if you have multiple templates to initiate at once.
  3. Click Review and initiate.
  4. Choose your offset account, frequency, and effective date.
  5. Check the bottom box to clear out dollar amounts in the template after processing.
  6. Select Initiate.
  7. Enter your password to authenticate.
  8. 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.

  1. Select the batch to uninitiate and then click Uninitiate.
  2. Confirm Uninitiate.
  3. The batch template is then back to a "Ready" status and will not process.
  4. Select a batch to modify it.
  5. Select the “…” icon to delete.
  6. Click Edit to change the batch name and header.
  7. Click the recipients to modify.
  8. Select a recipient to modify or delete.
  9. Select the pencil icon the edit all at once.
  10. Select the “Add Person” icon to add another recipient.
  11. Click the X when done.

Positive Pay

Entering Your Checks

  1. Select Payments.
  2. Click Positive Pay.
  3. Click Add checks.
  4. Select Add your checks manually.
  5. Choose the account the checks were written from.
  6. Enter the check number, amount, payee name, type, and date.
  7. Select Debit if entering a new check.
  8. Select Void to invalidate a previously entered check.
  9. Add another check or click Review to continue.
  10. Review the details, click to edit, or add another check if necessary.
  11. Click Approve when done.
  12. Select Approve to confirm.
  13. Click Done.
  14. The file will appear here as “Pending.”
  15. Click Review & approve.
  16. Double check your entries and click Approve.
  17. Click Done.

Uploading a Check File

  1. Select Add Checks.
  2. Click the “View CSB formatting guide” to ensure your file is formatted correctly.
  3. Match your column order and formatting.
  4. Select the account the checks were written from.
  5. Browse for your file and click Review checks.
  6. Review the items and click Approve.
  7. Click Done or Upload another if you have more items.

Deciding Your Exception Item

  1. Select Work exceptions.
  2. Click Here to toggle between accounts.
  3. Review the item details, check the box to Pay, or leave blank to Return.
  4. Click Submit when done.

Wire Transfers

Creating a Wire

  1. Select the Payments menu.
  2. Select Wires.
  3. Select Create wire.
  4. Enter a name for the wire and select the Account to debit.
  5. Click Add recipient.
  6. Enter the recipient’s name, account number, and physical address.
  7. Enter the recipient’s financial institution information.
  8. Click Add intermediary institution to add an intermediary if applicable.
  9. Click Save.
  10. Enter the amount and any notes that should accompany the wire.
  11. Check this box if you want to save the wire to use again in the future.
  12. Click Create wire.
  13. 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

  1. Select The wire.
  2. Click Review and initiate.
  3. Select Initiate.
  4. Enter your password to authenticate.
  5. Review your confirmation.
  6. 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.