BAYPORT BUSINESS ONLINE BANKING USER GUIDE TABLE OF CONTENTS

BAYPORT BUSINESS ONLINE BANKING USER GUIDE TABLE OF CONTENTS ADD/MANAGE BUSINESS USERS Add a user 3 Modify account specific access 4 Set access for all accounts 7 Steps to approve a user 8 Set transaction limits for all accounts 10 Set transaction types for all accounts 11 Manage users 12 ACH Imports 14 Manage imports 15 Import recipients 19 Payment 23 Make a template-based payment 24 Collect a template-based payment 25 Make a one-time payment 26 Collect a one-time payment 30 Payment activity 31 Pass through 33 Upload a file 34 Templates 36 Manage payment templates screen 37 Steps to add a template 38 Adding participants 40 Approved templates 42 Con t on next page September 2016 1

BAYPORT BUSINESS ONLINE BANKING USER GUIDE TABLE OF CONTENTS, CONT. PAYMENTS Payment approvals 43 Dual approval 44 Approval by initiator 46 Common Questions 47 WIRE TEMPLATES Basics 48 Manage payments 49 Add a template for domestic wires 50 Add a template for international wires 52 September 2016 2

Add/Manage Business Users Primary Admins and Secondary Admins are set up by your FI and have full access to functionality your FI grants that business; these Admins set up other employees as Business Banking users via the Entitlements function, aka Manage Users. Add a User 1. Go to Additional Services menu > Manage Users. 2. Click Add a user. 3. Enter user info at the top. Email address is used to send login instructions to the user. o The user gets 2 emails with username and password Phone number is used for multi-factor authentication. o Phone extensions don t work with MFA 2 3 Tips: Only the Primary Admin and Secondary Admins can access this screen. Unlimited users are allowed. September 2016 3

Add/Manage Business Users Modify Account Specific Access Permissions can be broad to very narrow. The hierarchy is TIN > Account > Feature > Task (for example, Pottery Place > Operating account > ACH Payments > Approve ACH Payments). See page 4 for definitions for each permission in this section. 1. If the business has multiple Tax IDs, select one to view linked accounts. 2. Grant full access to all accounts within the selected TIN, if desired. 3. Grant full access to a specific account within the selected TIN, if desired. 4. Permission options for Checking, Savings, and Money Market accounts are the same. 5. Permission options for Credit Cards and Loans are the same. 1 2 3 4 5 September 2016 4

Add/Manage Business Users Modify Account Specific Access Expanded permissions for a specific account see next page for list of descriptions. 6. Grant basic access to an account. Stop pay is host-dependent. 7. Grant access to manage and/or approve ACH and Wire templates as well as initiate and/or approve ACH and Wire payments. 8. Permissions for Credit Cards and Loans vary from the other accounts: Loans do not have Stop Pay, Internal Transfer, ACH or Wires. Unique options: make loan payments and/or request advances. 6 7 8 September 2016 5

Add/Manage Business Users Feature Task Grants the access to View Balances n/a See the account and its balance in My Accounts View Transaction Details/History n/a Select an account in My Accounts to see, filter, search, export transactions Stop Payments n/a Submit a Stop Payment under Additional Services interface-dependent Internal Transfer n/a Make a Transfer under Move Money; must have at least one other account provisioned for this ACH Templates* Manage ACH Templates Create and edit templates for ACH payments ACH Payments** ACH Collections Approve ACH Templates Create Ad Hoc ACH Payments Create ACH Payments Using Templates Approve ACH Payments Create Ad Hoc ACH Collections Create ACH Collections using Templates Approve ACH Collections Approve new ACH templates as well as edits to templates Create an ACH payments file not based on a template Create an ACH payments file using a template Approve ad hoc or template-based ACH payments Create an ACH collections file not based on a template Create an ACH collections file using a template Approve ad hoc or template-based ACH collections ACH File Pass- Through Create ACH File Pass- Through Approve ACH File Pass- Through Upload a NACHA-formatted ACH file for pass through Approve a NACHA-formatted ACH file for pass through Loans Make Loan Payment Make a payment to this loan; enable at least one other account for Internal Transfer that s eligible for debits Request Loan Advance Draw money from this loan; enable at least one other account for Internal Transfer to receive the advance * For Domestic Wire Templates and International Wire Templates, same options with corresponding descriptions ** For Domestic Wire Payments and International Wire Payments, same options with corresponding descriptions September 2016 6

Add/Manage Business Users Set access for all accounts Give the user access to certain functionality for all accounts, i.e. some permissions are not assigned on a per account basis. 1. SSO options display here (for example, Bill Pay and Online Statements). 2. ACH File Import: Displays only if this is part of the business s segment (as assigned by the FI). Manage Import File Definitions allows the user to create the map that defines the data in the imported file Import Recipient Information allows the user to import the delimited or NACHA file 1 2 September 2016 7

Approve a Business User If the company has at least one Secondary Admin, approval is required for new users. Only the Primary Admin or a Secondary Admin can approve a user. Approval is also required if an edit is made to a user s profile. After adding a new user, user status is "Setup Pending". emails are sent to other Business Admin(s) the user s name shows in the Approval widget Steps to Approve a User: 1. Go to My Approvals widget. 2. Click the user s name to review details. 3. Click Approve (Decline is also an option). 4. A pop-up prompts the Admin to verify identity. 1 4 2 3 Tips: If your FI offers tokens, the Admin may choose to enter the security code from the token (not showing here). Token is the only option if tokens are enforced for the business. September 2016 8

Approve a Business User 5. Depending if the Admin chooses Call me or Text me: a. The Admin answers the phone, and presses 1 per the automated instructions. b. The Admin receives the text and replies back with the security code. 6. If successful, the user no longer shows in the My Approvals widget, the user receives 2 emails with username and password, and the user s status changes to Active. 5a 5b Tips: Users requiring approval stay on My Approvals widget indefinitely. The pop-up automatically closes after 5 minutes. If the Admin closes the pop-up before completing verification, approval will not go through. September 2016 9

Add/Manage Other Services Business Users Set transaction limits for all accounts For each permission granted above, limits must be established. Check Apply Company Limits to grant the maximum limits (set by the FI) or enter a lower amount. See table below for options when each limit type is expanded. Feature ACH Payments ACH Collections ACH File Pass-Through Domestic Wire Creation International Wire Creation Approval Limits Types of Limits Per Transaction, Per Day, Per Month Per Transaction, Per Day, Per Month Per File, Per Day, Per Month Per Transaction, Per Day, Per Month Per Transaction, Per Day, Per Month ACH Payments Approval Per Transaction, ACH Collections Approval Per Transaction, ACH File Pass- Through Approval Per File, Domestic Wire Approval Per Transaction, International Wire Approval Per Transaction Tip: required limits are boxed in red. September 2016 10

Add/Manage Business Users Set ACH transaction types for all accounts If ACH Payments and/or Collections access is given for any account, the Business Admin sets access for which transaction types the user sees when creating templates or payments. 1. ACH Payments Types 2. ACH Collections Types 1 2 Tip: Only the transaction types enabled on the business profile in Admin Platform will show here. September 2016 11

Add/Manage Business Users Manage Users Business Admins and Users show on the Manage Users screen, in alphabetical order. Business users names appear as blue hyperlinks indicating they re editable; Business Admins names show in black and are not editable. Editing Business Admins is only done by the FI. User status descriptions: Active user is able to access Business Banking *Setup Pending an Admin added a new user; must be approved by another Admin before receiving login credentials via email *Update Pending an Admin edited a user s profile; must be approved by another Admin before the user can log in again Disabled Access toggle is set to No; user cannot access Business Banking. Declined an Admin declined this user in the approval workflow * n/a for single admin companies September 2016 12

Add/Manage Business Users Manage Users Business Admins can manage users and assist users with login issues on this screen. These functions may NOT be performed on other Business Admins. Options for an Active User: Print user details full printout of all the user s access and limits Edit user change anything except the user s name Copy from user select to copy this user s permissions for a new user *Reset password sends a temporary password to the user s phone via call or text *Generate access code delivers a one-time access code on the screen that the Admin gives the user if needed during login (not for payment approvals) Delete user permanently deletes the user from Business Banking Slide Access toggle to No to change status to Disabled (temporary hold) Options for a Locked User same options as above except: No Reset password and Generate access code options *Reset password and Unlock user unlocks the user and sends a new temporary password to the user s phone via call or text *Unlock user unlocks user so they can login with original password * Options show only if the FI has enabled these features for businesses September 2016 13

ACH Import ACH File Import provides for an efficient and secure way to streamline ACH initiation by importing recipients using a delimited or NACHA file. A new payment is created with the imported data, which can then be initiated in Business Banking. Two key parts to processing: 1. Create the file map The business needs to tell Business Banking how to make sense of the data that will be imported; this screen defines the file attributes, fields and positions in the file. ACH Import - Manage Import File Definitions is the permission for users to access this screen. 2. Import the file Once the map is created, the business imports the data and initiates payment creation in this step. ACH Import - Import Recipients is the permission for users to access this screen. 2 1 All other options under ACH/Wire Payments are not involved in importing files and initiating the imported data. September 2016 14

ACH Import Manage Import File Definitions Step 1: File Details The fields under Payment Details are the same as the fields to begin adding an ACH template (see the ACH Template Training Guide for details). Tip: the File definition name must be unique from other file definitions. September 2016 15

ACH Import Manage Import File Definitions Step 1: File Details (con t) The File Definition fields are unique to ACH Import. 1. Select Delimited or NACHA as the file type. 2. If the file has a header in the first row, check this box. 3. If Delimited is the file type, select the delimiter (what separate the data). 4. Enter number of fields (at least 6). These are the required fields for Business Banking: Recipient ID, Recipient Name, Routing Number, Bank Account Number, Account Type (checking or savings), Amount, Addenda (optional) 5. For imports after the initial one, select a matching field. 1 2 3 4 5 Tips: Matching records options allow the user to import new or updated information using an existing map. When importing a NACHA file, the file must be unbalanced, i.e. no offsetting transaction. September 2016 16

ACH Import Manage Import File Definitions Step 2: Map Fields Here, tell the system where the data is located (in what column) within the file that will be imported. All the required fields for ACH entries must be included in the initial file import. September 2016 17

ACH Import Manage Import File Definitions Step 3: Test & Confirm It s advisable to do a test import with an actual file to validate the mapping is correct. The system validates each field to make sure only valid characters are imported (as defined by NACHA requirements). Tips: Approval is not required when creating an import file map. Once created, import maps are saved for future use. Import maps can be edited later if file layouts change. September 2016 18

ACH Import Import Recipients Now that the map is created, the business user can now import the file via the Import Recipients screen. 1. Select the file import definition (created in previous step). 2. Click Browse and locate the file on the computer. 1 2 September 2016 19

ACH Import Import Recipients 3. The recipient details from the file display. Confirm the information is correct. 4. Opt to save the file as a template, if desired. 5. Set the deliver on date. 6. Click Make a Payment to initiate the file. 3 4 6 5 Tips: Importing recipient data in order to create a template can save much time over building the template from scratch. The Deliver On date follows same requirements as when initiating a file via Make/Collect a Payment screen. See ACH Initiation Training Guide for details. September 2016 20

ACH Import Import Recipients If the File Definition has already been used in a previous import, the business must select a reason for import. 1 2 3 4 5 1. Add new and update existing add recipients from import file where no match is found on matching key if matching key is found, replace any existing values with new value if existing recipients from previous import are not found in import file, delete and remove from payment file 2. Add new recipients only add recipients from import file where no match is found on matching key do not change existing recipients, even if new information is in the import file 3. Update existing recipients if matching key is found, replace any existing values with new value if new recipients are included in import file do not add if existing recipients from previous import are not found in import file, leave unchanged and include in payment file 4. Delete existing and add recipients delete all recipients from previous import add recipients from import file 5. Previously imported recipients display from the last import. September 2016 21

ACH Import Import Recipients Approval for payments created from a file import will follow the same approval flow as other ACH payments. See the Payment Approvals Training Guide for details. The success screen also prompts the user if they would like to save the payment as a template (in addition to the link above the Deliver On date when initiating an import). Screenshot if the File Definition name is already in use by an existing ACH template. Screenshot if the File Definition name is NOT already in use by an existing ACH template. The business user may edit if desired. September 2016 22

Make/Collect ACH Payment Businesses are able to initiate ACH payments and collections via Business Banking. They also have the ability to set up templates for recurring payments and collections. Payments screen layout 1. Options to make payments, collect payments, or upload pass through file. Only those options for which the user has permission display, e.g. if the user can only make payments, Collect and Upload options will not show. 2. View scheduled, processed, and declined payments 3. View Monthly limits. User limits show here, not the limits set by the FI for the business. Click More details link to view daily and transaction limits as well Limits are checked upon initiation and when the payments is sent to Admin Platform. 1 3 2 ACH payments and wires are aggregated in this area of Business Banking. September 2016 23

Make/Collect ACH Payment Make a template-based payment 1. Select Make payments radio button. 2. Select Use a Template. 3. Click in the Enter a template name field to select a template (start typing to filter list) or add a new template. 4. Upon selecting a template, screen refreshes with template info. Amount and addenda are the only editable fields. 5. The Deliver On date defaults to next business day. If past the cutoff time (set by FI), the date defaults to two (2) business days out. User can pick another business day up to one year in the future. 6. If desired, make the payment repeating. 1 2 3 4 5 6 September 2016 24

Make/Collect ACH Payment Collect a template-based payment 1. Select Collect payments radio button. 2. Select Use a Template. 3. Click in the Enter a template name to select a template. 4. Upon selecting a template, screen refreshes with template info. Amount and addenda are the only editable fields. 5. The Deliver On date defaults to next business day. If past the cutoff time (set by FI), the date defaults to two (2) business days out. User can pick another business day up to one year in the future. 6. If desired, make the collection repeating. 1 2 3 4 Tip: If prenote is selected for a participant on the template, and this is the first time the template is initiated, that record is grayed out. The participant is included in the ACH file but with a zero dollar amount. After 3 business days, the hold is lifted. 5 6 September 2016 25

Make/Collect ACH Payment Make a one time payment 1. Select Make a one time payment. 2. Choose Funding Account. All accounts for all TINs with Create ad hoc ACH payments permission display 3. Select Payment Type. List is filtered based on business segment and user entitlements. Payroll, Consumer are PPD files Commercial, Tax and Child Support are CCD files o Tax payments require details in the addenda record o Child support is for employers to submit withholding for child support 1 2 3 September 2016 26

Make/Collect ACH Payment Make a one time payment (con t) 4. Select ACH Company ID the FI controls this 5. Optionally, add Payment name referenced only inside Business Banking 6. Enter Payment Description Max 10 characters, passes to ACH batch and shows in recipient's transaction 7. Choose to settle via Batch Offset or Single Offset Batch offset: one debit to the funding account equal to the total of all credits Single offset: a debit to the funding account for each credit Not applicable for tax payments so option doesn t display 4 5 6 7 September 2016 27

Make/Collect ACH Payment Make a one time payment (con t) 8. Add participants, e.g. employees for Payroll. 8 Notes on adding participants: No limit on entries No addenda field for Payroll or Web-initiated entries Routing number is validated Prenote are optional (more details in the ACH Templates job aid) September 2016 28

Make/Collect ACH Payment Make a one time payment (con t) 9. Total fee amount displays based on the per transaction fee (set by the FI). 10. Select the Deliver On date (same logic as for template payments). 11. Click Pay. If batch exceeds limits, an error message displays and prevents initiation. If batch exceeds available funds in the funding account, the batch is initiated (flagged as insufficient funding in Admin Platform). If pre-funding is on for this business (set by the FI) and the threshold is met, a transfer debits the Funding account 1-2 days before the Delivery On date and credits the FI-owned account. 9 11 10 Tips: System calculates the total, i.e. the user doesn't create a settlement entry (aka control amount). One time payments cannot be repeating payments. Option to save as a template after clicking Pay. September 2016 29

Make/Collect ACH Payment Collect a one time payment All the steps are the same for making payments and collecting payments, except for Payment Type options. POP, BOC, ARC and TEL are only for collecting payments. This list is filtered based on the business segment and user entitlements. The user must have Create ad hoc ACH collections permission to collect a one time payment. September 2016 30

Make/Collect ACH Payment Payment Activity The bottom half of the Payments screen provides a view of scheduled, processed and declined payments. For all tabs: Payments display as a negative number and collections display as a positive number All activity for the business displays, not just activity by the current user logged in Scheduled payments The next payment in a recurring series displays at the top; future single payments are listed below. If approval is pending, the payment cannot be edited or cancelled. If the payment is approved, the payment can be cancelled. Two (2) business days before the payment date (at 12:01am PT), the file is sent to the FI to process, and the payment moves to the Processed tab. Exception: prefunded ACH files process one business day before the payment date. September 2016 31

Make/Collect ACH Payment Payment Activity (con t) Processed payments No maximum amount of history here These payments cannot be edited or cancelled. Option to Copy Payment saves time in recreating it again later. Declined payments Includes files declined by a business approver and the FI Options to view details or initiate a new payment September 2016 32

ACH Pass Through ACH Pass Through allows the business to take an ACH file, created in another system, and use Business Banking as a pass through system to get that file to your financial institution. ACH Pass Through access is granted to the business via the chosen segment. If this feature is not enabled for the business, the Upload pass through file radio button (see bottom screenshot) will not display. Navigation options go to the same screen: 1. Move Money > Make/Collect a Payment 2. Move Money > Upload an ACH Pass-Through File September 2016 33

ACH Pass Through Upload the File 1. Select the Upload pass through file radio button. 2. Select the funding account (must be entitled for ACH File Pass Through) 3. Click Browse to locate and select the desired file. Must be a file with.ach as the extension 4. If the file is not balanced, check the box. 5. Click Upload. If any errors are found, the error is detailed out on the screen. Edits are not allowed on the file. To fix an error, the business must do so in the system that created the file and try another upload. 6. Approval flow kicks unless this is a single admin company with no ACH approvers (See Payments Approval training guide for details). 1 2 3 4 5 The system validates: ACH File Pass through limits Entitled funding account NACHA format All transactions have the same settlement date See KB article INF70033 for full list of validations. Note: There are no duplicate checks to ensure the business doesn't upload the same file twice. September 2016 34

ACH Pass Through Differences between ACH files created within Business Banking and the ACH Pass Through functionality: ACH Created in BB Created inside Business Banking Business Banking puts the data into a NACHA formatted file Effective date can be up to one year in the future Specific SEC codes allowed: PPD, CCD, ARC, WEB, TEL, POP, BOC File is always balanced Prefunding available ACH Pass Through Created in another system File must already be in NACHA format Effective date must be 1 or 2 business days in the future Any SEC code accepted File may be unbalanced Prefunding not available ACH Created in BB and ACH Pass Through Similarities Access granted on the account level Limits set in Business Banking are checked Same cutoff time and processing time Business must approve both if dual control is required FI must approve both in Admin Platform September 2016 35

ACH Templates ACH templates help reduce errors and provide efficiency. Create the template first, and then initiate transactions quickly with no need to enter (and possibly enter incorrectly) details such as account number and routing number. Template Basics Under Move Money, go to Manage Payment Templates" Unlimited templates allowed Templates are not required Common uses of ACH Templates: o Payroll o Vendor Payments o Concentrating funds from accounts at other FIs Three places to add a Template: 1. Move Money > Manage Payment Templates > Add Template button (covered in this doc) 2. Move Money > Make/Collect a Payment > Add a new template in Template name dropdown 3. Move Money > Make/Collect a Payment > option to Save as template after ad hoc payment is initiated September 2016 36

ACH Templates Manage Payment Templates screen Actions on this screen: Add a template Search for a template Edit or delete a template (except those in an Approval Pending status) Template statuses: Needs Attention the template was declined by an approver, or is missing some information (e.g. the FI deleted the TIN or the ACH ID linked to the template) Approval Pending the template is new or was edited, which requires approval Approved only these templates can be used to initiate ACH payments Tip: In addition to adding a template here, businesses can import a file and save it as a template, thus saving time with data entry. See the ACH Import Training Guide for details. September 2016 37

ACH Templates Steps to Add a Template: 1. Enter a Template Name, which must be unique from other templates. 2. Choose Funding Account. Entitlements determine the accounts that display, including accounts across multiple TINs. 3. Select Template Type. Tax payments require details in the addenda record. Child support is for employers to submit withholding for child support Domestic wire covered in separate job aid 4. For Template Types of Consumer (PPD), Commercial (CCD), or Web-initiated entries (WEB), indicate if the template will be used to make or collect payments. Other Template Types are for make payments only, so this option won t display. 1 2 3 4 Expanded dropdown list of Template Types: Note: this list is filtered based on the business segment and user entitlements. September 2016 38

ACH Templates 4. Select ACH Company ID the FI controls this 5. Enter Template Description Max 10 characters, passes to ACH batch and shows in recipient's transaction 6. Choose to settle via Batch Offset or Single Offset How the offsetting transaction is handled, e.g. 4 employees are paid $200 each: o Batch offset: one (1) $800 debit to the funding account (most common) o Single offset: four (4) $200 debits to the funding account o Not applicable for tax payments so option doesn t display 7. Based on selected Template Type, enter participants (details in table below) 4 5 6 7 Template Type Payroll (PPD) Consumer (PPD) Commercial (CCD) Tax (CCD) Child Support (CCD) Web-initiated entries (PPD) Participant Type Employee Consumer Recipient Tax authority Recipient Consumer September 2016 39

ACH Templates Adding participants: No limit on entries per template. Pop-up window except for Tax template Addenda is available except for Payroll or Web. Routing number is validated. Prenote is optional. Amount field can be $0 and then actual amount entered during initiation. More on prenotes: Prenotes are optional entries if a business wants to test that the recipient information is accurate. Upon checking that box, a message appears: You will not be able to schedule payments for this employee until this prenote processes. A mandatory 3 day waiting period is enforced; then the business can initiate ACH payments to that recipient. September 2016 40

ACH Templates Enter information for each participant (in this example, employees). The employees are listed in alphabetical order (according to first name) here and throughout Business Banking for easy viewing and editing. When complete, click Save Template. If approval is required, status is Approval Pending; for single admin companies, the template is immediately available for use. See the ACH Approval job aid for details. September 2016 41

ACH Templates Approve Templates If approval is required, templates must be approved before they are available for use. Also, if edits are made, the template is unavailable until approved. 1. Go to the My Accounts screen > My Approvals widget. 2. Click the template name to review details. 3. Click Approve for desired template. 4. Click OK on the pop-up window (not shown). 5. The template is now available to use and shows as Approved on the template screen. 1 2 3 Tips: Approving a template does not require additional verification via MFA. The approver may decline the template, which moves the template to Needs Attention and sends an email to the person who created the template. 4 September 2016 42

Payments Approval Initiating ACH and Wire templates and payments requires approval with dual control. This means the initiator cannot approve their own work. Important! If the Primary Admin initiates one of the events below, and the business doesn t have any Secondary Admins nor business users with approval permission for that event, dual approval is waived. (see page 4 for details) These event trigger approval: Add/edit an ACH or wire template Initiate an ACH payment or collection Upload an ACH pass through file Import an ACH file Initiate a Wire Email notification sent: Events above trigger an email to Business Admins as well as business users with ACH or Wire Approval permission. Emails are not sent to approvers when the transaction exceeds their remaining approval limit. Item available on My Approvals widget: The template or payment that needs approval shows in the My Approvals widget. September 2016 43

Payments Approval Dual Approval 1. Go to the My Accounts screen > My Approvals widget. 2. Click the payment name to review details. 3. Click Approve for desired payment (note: Decline is also an option). 1 2 3 Payment name Negative amount = ACH disbursement or wire Positive amount = ACH collection Both = balanced ACH pass through file Payment type Deliver On date Repeating payment icon September 2016 44

Payments Approval Dual Approval 4. A pop-up prompts the user to validate identity: a. Call Me: user answers and presses 1 (one) on the phone b. Text Me (only shows if the user text-enabled their phone): user receives the text and replies back with the security code c. Enter security code (only shows if the FI offers tokens and the user entered the credential ID in My Settings). Only option if tokens are enforced. 5. The payment no longer shows in the My Approvals widget. 4 4a 4b Tips: If the Admin doesn t answer the call or reply to the text within 5 minutes, the popup closes. If the Admin closes the Awaiting your response pop-up, approval will not go through. They should wait for it to automatically close after step 4. September 2016 45

Payments Approval Approval by Initiator If the Primary Admin initiates a payment and the business doesn t have any Secondary Admins nor business users with payment approval permission, dual approval is waived. In this case, the payment is either a. Immediately routed to the financial institution for processing or b. The Primary Admin is presented with out of band (OOB) authentication When is OOB authentication invoked (option b)? The FI may opt to set a dollar threshold for wire and ACH payments that applies this scenario. Payments greater than the threshold would trigger OOB prompt. 1. Upon initiating the ACH, the user is prompted to get a call or text. 2. Call me: initiates a phone call; the user answers and presses 1 (one) on the phone. 3. Text me: initiates a text with a security code; the user must texting the code back. 1 2 3 Tip: Do NOT close this window while responding to the call or text since it would cancel the process. The window automatically closes when authentication is satisfied. September 2016 46

Payments Approval Common Questions Q: Do I have to approve each payment if it s a repeating payment? A: No, the repeating payment series needs approval only for the first payment. Q: What happens if I decline a payment? A: The payment shows in Declined activity and the system sends an email notification to the person who initiated the payment. Q: If I approve one payment, do I have to pass identity verification every time for remaining approvals? A: Your financial institution may enable approval caching, where identity verification is required for the first payment (see step 4) but not subsequent payments approved within a certain timeframe (5 minutes or less set by the financial institution). Q: What happens if I approve a payment after cutoff time? A: If a wire with today as Deliver date is approved after cutoff, it will be routed to the financial institution the next business day. If an ACH with Delivery date as one day out is approved after cutoff, it will be routed to the financial institution the next business day. Q: How long to payments stay here awaiting approval? A: Indefinitely Q: What happens if I approve a payment past the date? A: Approval will go through and the payment will be routed to the financial institution. The system automatically adjusts the date (current business day for wires and next business day for ACH). Q: After a payment is approved, what happens next? A: If a wire has the current day as the Deliver date, it goes to the financial institution within 5 minutes for processing. If an ACH transaction has the Deliver date as 1-2 business days out, it goes to the financial institution within 30 minutes for processing. For payments further out than these timeframes, the payments sit on the Pending tab on the Make/Collect a Payment screen. September 2016 47

Wire Templates Wire templates help reduce errors and provide efficiency. Create the template first, and then initiate transactions quickly with no need to enter (and possibly enter incorrectly) details such as account number and routing number. Template Basics Under Move Money, go to Manage Payment Templates. Unlimited templates allowed. Templates can be for a domestic wire or an international wire. Templates are not required if the user has the permission to make ad hoc wire payments. Common reasons to create a wire template: Recurring vendor payments Real estate closings with frequent property buyers Large dollar payments to the same beneficiary Tip: A user can also add a template on the Make/Collect a Payment page: Add a new template option in Template dropdown Save as template option after a one time payment is initiated September 2016 48

Wire Templates Manage Payment Templates screen Actions on this screen: Add a template Search for a template Edit or delete a template (except those in an Approval Pending status) Template statuses: Needs Attention reasons include template was declined by an approver or the funding account was closed Approval Pending the template is new or was edited, which requires approval Approved only these templates can be used to initiate a wire September 2016 49

Wire Templates Add a Template for a Domestic Wire 1. Enter a Template Name, which must be unique from other templates. 2. Choose Funding Account. Entitlements determine the accounts that display, including accounts across multiple TINs. 3. Select Domestic Wire as the Template Type. 4. Enter the beneficiary, aka to whom the funds are being wired. Can be an individual or a business Message to beneficiary is optional. 1 3 2 4 September 2016 50

Wire Templates Add a Template for a Domestic Wire (con t) 5. Enter the Receiving Bank information. Must be an ABA routing number of a domestic FI. Routing number is validated. Message to receiving FI is optional. 6. If included in the wire instructions, enter Beneficiary Bank. Entire section is optional. 7. Enter the amount for the template. Zero amount is allowed. Amount can be edited at time of initiation. 5 6 7 Tip: Next, approval is required except for single admin companies. This applies for International Wire templates as well. See the Payments Approval job aid for details. September 2016 51

Wire Templates Add a Template for an International Wire Steps 1 and 2 (template name, funding account) are the same as domestic wires. 3. Select International Wire as the Template type. Shows only if international wires is part of the business segment and in the user s entitlements. 4. Enter Beneficiary information. Required fields: Required fields: Who do you want to pay, Address line 1, City/town, Country, Bank account number 3 4 Tip: Formatting rules for all fields on this form are relaxed due to the variety of instructions with international wires. September 2016 52

Wire Templates Add a Template for an International Wire (con t) 5. Enter Receiving bank information. Required fields: Bank name Bank code (SWIFT/BIC) formatting defaults in this field OR the IBAN account number Address line 1 City/town Country 5 Tips: The freeform wiring instructions field is helpful if the business isn t sure where to put certain info. This form is not customizable. September 2016 53

Wire Templates Add a Template for an International Wire (con t) 6. Enter Intermediary bank. Include only if the wire instructions include sending the funds to a correspondent bank before the receiving bank. 7. Enter the payment information. Option 1: send wire in US dollars. If Send in foreign currency is checked, convert the amount to that currency upon receipt of the wire. Option 2: send wire in another currency. Business selects the currency and enters the amount of the wire in that currency. 6 7 Tips: The payment section is not customizable, i.e. you cannot hide the radio button to send exact amount in foreign currency. The system doesn t provide exchange rates; that conversion needs to happen once the FI receives the wire. September 2016 54