Educational Videos for Personal Banking Services

1. Enter your 'Login ID' and 'Password'.

2. Select 'Login'.

Image of the Login Screen showing two fields for Login ID, Password, a Remember me checkbox, a Log In button and a Forgot your password? Link.

3. Select the delivery method to receive your secure access code.

Image of the Secure Access Code (SAC) screen showing options (text and email) for how you prefer to have your SAC delivered. The image includes the message: If any of the delivery methods on this list are incorrect, please contact us for assistance. You will also be able to manage your delivery methods after login by going to Security Preferences under Settings and choosing the Secure Delivery option. A Back button is at the bottom of the image.

4. Enter the secure access code in the box once it has been received.

5. Select 'Submit'.

Image of the Secure Access screen, with the following message at the top: Secure Access Codes are temporary, one time use codes and are active for 15 minutes after they have been requested. If you havenâ€™t yet received your code, please contact us for assistance. Below the message is an open field to type in the Secure Access Code, with a Back button and a submit button below that.

6. Review the User Profile and make any necessary changes.

7. Click 'Submit Profile'.

8. Enter your existing password in the top box along with a new password twice for validation.

9. Select 'Submit'.

Image of the Password area, with the following open fields: Current Password, New Password, and Confirm New Password. Back and Submit buttons are at the bottom of the image.

10. Please review the password requirements.

Image of Password Requirements, which include the following: Must be between 10 and 15 characters; Must contain at least 1 number; Password must contain a minimum of 1 lower case character; Password must contain a minimum of 1 upper case character; Password must contain a minimum of 1 special character; Passwords may not be the same as last 10 passwords and may not be the same as current password.

Account Details and History Guide

1. On the Home screen, click on an accountto view a listing of the details andtransaction history associated with theaccount.

Image of the home page showing the accounts that are available to select from.

Click the 'Details & Settings' tab to display the account details.

Image of the chosen account and the Details available to view after selecting Details & Settings.

2. Select the 'Filters' icon to view the varioussearch criteria for transaction history.

Image of the where to select the filters icon, and the fields available, which include the following fields: Time Period, Description, Transaction Type, Min. $ Amount, Max $ Amount, Starting Check #, Ending Check Number, and the blue Apply Filters button at the bottom, next to a Reset button.

NOTE: A listing of historical transactions associated with the account are listed on the screen.

Image of the Account Analysis within Transactions.

3. Select the Export icon to display a listing ofavailable formats. The export will includeall transactions specified in the filter bythe user

Image of a Transfer Withdrawal and where to locate the Export Icon.

4. Select the 'Quick Transfer' icon to performa quick transfer.

Image of a Transfer Withdrawal and where to select the Options Icon.

5. Select 'Options' next to a listed transactionto display available actions.

Activity Center Guide

NOTE: 'Activity Center' lists all user activity initiated from within Online Banking.

1. Select 'Transfers & Payments' then 'Online Activity'.

Image of the Transfers and Payments menu showing where to locate Online Activity, which is under the heading Account Management.

Single Transactions
1. Select the 'Single Transactions' tab on the screen to view one-time online transactions.

Image of Online Activity and where to select Single Transactions along the menu bar.

2. Select the 'Filters' option to reveal searchable fields.

Select the desired fields and then click 'Apply' to display the specified transactions.
Select the down arrow icon above the top left corner of the filters box to download the specified transactions to a csv formatted spreadsheet.
Select the printer icon to print the specified transactions.
Click the heart icon to assign the filtered criteria as a "favorite" for future use.

Image of Single Transactions, showing Filters and the fields accessible with the window, which include: Transaction Type dropdown menu, Status dropdown menu, Account dropdown menu, SEC Code dropdown menu, Created By dropdown menu, Min $ Amount, Max $ Amount, Start Date with calendar icon, End Date with Calendar icon, Tracking ID and Batch ID.

A closeup image of Single Transactions and how to select Favorites by clicking on the heart icon. This opens the Save filter as favorite dropdown.

3. Click on a listed transaction to view additional details.
4. Select the 'Actions' icon to unhide a listing of available actions corresponding with the transaction.

Image of the results of a Transaction List, showing where to select the Actions icon at the top right.

Recurring Transactions
Select the 'Recurring Transactions' tab within the 'Activity Center' to view online transactions which are setup to occur in a series.

Image of Online Activity with Recurring Transactions selected, which shows a list of items.

Deposited Checks
Select the 'Deposited Checks' tab within the 'Activity Center' to view historical checks that have been deposited using the Mobile Remote Deposit Capture functionality.
NOTE: You must be enrolled in Mobile Remote Deposit before this tab will appear on the 'Activity Center' screen.

Image of Online Activity with Deposited Checks selected.

Alerts Guide

1. Select the 'Access & Security' menu and then select 'Alert Settings'.

Image of the Access and Security button on the top menu bar showing where to locate Alerts and Alert Settings.

2. Click the 'New Alert' button and select the desired type of alert from the drop-down menu.

Image showing the dark blue New Alert button with a dropdown menu that includes the following: Fiserv Notifi, Online Transaction Alert and Reminder.

Online Transaction Alerts
1. Select a 'Transaction' type.

Image of New Online Transaction Alert, with a Transaction dropdown menu that includes the following types of transactions: ACH Batch, ACH Collection, Domestic Wire, EFTPS, Funds Transfer, International Wire, Payroll and Stop Payment.

2. Select the 'Account'.

3. Select the 'Status' of the transaction

Image of a selected Transaction, showing a dropdown menu box that includes an Account list as well as a Status dropdown menu that includes the following options: Authorized, Cancelled, Drafted, Failed and Processed.

4. Select the desired 'Alert Delivery Method'.

5. Enter the necessary information.

6. Click 'Create Alert'.

Image of Alert Delivery Method includes the following button options: Email, Voice, SMS Text Message and Secure Message Only. A dropdown menu is for Country is below the Alert Delivery Methods and the SMS Text Number box, for you to enter a mobile number follows, with a Terms and Conditions check box stating that you Agree to Terms. At the very bottom you can either select the Go Back button to make edits, or the Create Alert button to proceed.

Reminder

1. Select an 'Event'.

Funds Transfer Guide

1. Select 'Transfers & Payments' menu and then 'Internal Transfers'.

Image of Transactions and Payment showing where to locate Internal Transfers.

2. Select a 'From' account

3. Select a 'To' account.

4. Enter a dollar amount.

Image of Funds Transfer and Individual Transfers showing where to indicate From Account information, To Account information, and Amount for transaction.

NOTE: To setup a recurring transfer, follow the steps in the 'Recurring Transfers' section beginning on the next page.

5. Select a 'Transfer Date' for the transaction.

6. Enter a Memo for the transaction. (Optional)

7. Click 'Transfer Funds' to complete the transaction.

Image of fields showing where to indicate the Frequency of the transfer transaction, the Transfer Date of the transaction, where to enter an optional Memo, and where to select Transfer Funds.

Recurring Transfers

1. Select the desired frequency from the drop-down menu.

Image of Frequency field showing the dropdown menu items One Time Transfer, 1st of the month, Last day of the month, 1st and 15th of the month, Weekly, and Every other week.

2. Select the desired 'Repeat Duration'.
a. Forever (Until I Cancel)

Image of Frequency fields showing how to select the Repeat Duration of Forever (Until I Cancel). Image of Frequency fields showing how to select the Repeat Duration of Until Date (Set An End Date) and the End Date field that can be selected using a calendar.

b. Until Date (Set an End Date)

Home Page Guide

1. View a listing of accounts accessible within Online Banking.

Image of the home screen including the top menu bar, with Home selected, and showing a submenu with the following menu items: Alerts, Enroll in Bill Pay and Transfer Money Now. The home screen includes: Financial Tools with a Get Started button, a list of accounts and a Link Account Get Started button.

2. Select the 'Options' icon next to each account to reveal multiple available quick actions.

Image of the Options icon which looks like a standing elipsys, and the sub menu below it which includes: View Activity, Quick Transfer, Nickname Account, Move to and Settings.

3. Select and drag any account to the envelope icon which appears at the bottom right side of the screen to create a new account group.

4. The new group created can be renamed. Additional accounts may be dragged into the new group or additional groups created.

NOTE: Additional account(s) may be moved into the newly created group or additional group(s) may be created if needed by repeating step 6.

Image of New Group and the New Group field with accounts listed below.

Multi Account Transfers Guide

Transfer Funds

1. Select the 'Transfers & Payments' menu, then select 'Internal Transfers'.

Image of the Transfers and Payments menu showing where to locate Internal Transfers.

2. Select the 'Multi-Account Transfers' tab.
3. Select 'Transfer Funds

Image of Funds Transfer showing where to select Multi Account Transfer and where to select Transfer Funds.

4. Click the 'Use same Date for all transfers' check box to automatically set the same date for all transfers being initiated.

Or leave the 'Use same Date for all transfers' check box unselected to individually set the date for each transfer.

Optional: Enter a memo and click 'Push Memo to All' to automatically push the same memo to all transfers listed.

Image of Funds Transfer showing where to select the transfer initiation date, and where to enter an optional memo.

5. Select the 'From' and 'To' Account for each transfer.

6. Enter the Amount for each transaction

Image of fields to enter From Account information, To Account information, and Amount for each transaction.

7. Review the information on the screen for accuracy, and select submit. Note: Funds transfers are processed in the order that they appear on the screen.

Image of the Funds Transfer form and how it allows you to review your selections, with options to Cancel, Draft or Approve.

Creating a Template

8. To create a transfer template, select 'Create Template'.

Image of Funds Transfer showing where to select Create Template.

9. Enter the 'Template Name'.

10. Select the link below 'Template Access Rights' to designate the users who should have access to the template.

Image of Funds Transfer Template Properties and form field for Template Name and Access rights.

11. Select the 'From' and 'To' Account for each transfer.

12. Enter the Amount for each transaction.

13. Review the information for accuracy. Then select 'Save'.

Note: Funds transfers are processed in the order that they appear on the screen.

Image of Funds Transfer options with template name and account form options.

Secure Messages Guide

NOTE: The 'Messages' feature is a secure messaging function which allows for two-way communication between the online banking user and Santa Cruz County Bank. Since the message is delivered securely within the Online Banking system, sensitive material.

1. Select the 'Messages' menu.

NOTE: Both incoming and outgoing messages will appear in the column directly to the right of the menus in descending date order (newest on top).

Image of the main menu showing where to select Messages.

2. Click pencil icon on the right side of the screen.

Image of Secure Messages and Conversations page showing where to select the pencil icon.

3. Select the appropriate 'Message recipient' from the drop-down menu.

Image of Messages page showing where to select the Message recipient from a dropdown menu.

4. Enter the desired 'Message Subject' and 'Message'.

5. Click the 'Attach a file' link to attach a file or document if desired.

6. Click 'Send Message' at the bottom of the screen to submit the message.

Image of Message form showing where to select Send Message and supported file types that may be attached.

7. Select the arrow icon beneath the pencil to reply to a secure message or the trash bin to delete the message.

Image of a Message showing where to select the arrow icon to reply to a message, or where to select the trash bin to delete a message.

Tax Payments Guide

1. Select the 'Transfers & Payments' menu and then select 'Tax Payments'.

Image of Transfers and Payments showing where to locate Tax Payments.

Federal Tax Payments

1. Select 'Federal' in the 'State or Federal Authority' drop down menu.

2. Select the desired tax form.

Image of Tax Payments showing where to select Federal in the State or Federal Authority drop down menu.

3. Complete all required fields in the form.
4. Review the information on the screen for accuracy and then select 'Approve' to authorize the payment or 'Draft' to initiate.

Image of Federal Taxes showing how it allows you to review your selections, with options to Cancel, Draft or Approve. The image includes all the fields within Federal Taxes, which include: From Subsidiary dropdown menu, Tax ID, From Account dropdown menu, Payment amount, Payment Effective Date with calendar icon, Tax Type dropdown menu, Tax Period End Date with calendar icon, and To Account Routing Number field.

State Tax Payments

1. Select the corresponding state from the 'State or Federal Authority' drop down menu.
2. Select the desired tax form.

Image of Tax Payments showing where to select the corresponding state in the State or Federal Authority drop down menu.

3. Complete all required fields in the form.
4. Review the information on the screen for accuracy and then select 'Approve' to authorize the payment or 'Draft' to initiate.

Image of California State Taxes showing how it allows you to review your selections, with options to Cancel, Draft or Approve. The image also includes: From Subsidiary dropdown menu, FTB Number, Posting Control field, From Account dropdown menu, Payment amount field, Payment Effective Date with calendar icon, Tax Period End Date with calendar icon, To Account Routing Number field and To Account field.

Mobile: Remote Deposit Capture Guide

1. To deposit a check through Mobile Deposit, log into the Santa Cruz County Bank app on your Apple or Android device. Be sure to write "For Mobile Deposit Only" on the back of the check before taking the picture.

2. On the homepage select 'Deposit Check'. If this is your first time using the feature, scroll down and click 'I Accept' to accept the Mobile Remote Deposit Terms and Conditions.

Image of the Santa Cruz County Bank mobile appâ€™s home page after login with a list of accounts with current and available balances. A footer consists of: Home, Transfer, Deposit Check, Activity Center and Menu. Deposit Check is noted.

3. Select the Deposit Account from the drop-down menu.

NOTE: Once you have completed the deposit process put the date of deposit on the back of the check. Do not destroy the original check for at least 30 days.

Image of the Mobile Deposit screen with field for: Deposit Account, $ Amount, Front of Check, Back of Check and Submit Deposit.

4. Select the 'Deposit Check History' tab to view a listing of previous checks deposited through Mobile Deposit.

Image of Mobile Deposit with Deposit Check History highlighted. The screen also includes a field to Search Transactions, with All, Submitted and Accepted below.

Card Swap Guide

NOTE: Card Swap is the online solution that allows you to apply Santa Cruz County Bank check card or credit card information across your favorite online subscriptions and digital points of sale.

1. Select the 'Additional Services' menu then 'Card Swap'.

Image of the Additional Services button on the top menu bar showing where to locate CardSwap within Account Services.

2. Click 'Get Started'.

3. Click each of the brands that you pay from the listing on the screen.

4. Click 'Next Step' when done

5. Enter your Santa Cruz County Bank card information and click 'Add Card' when done to begin the linking process.

NOTE: You will notice the card that was entered in the previous steps appears below each biller.

Image of Accounts screen showing fields for the following: Card Number, Expiration Date, CVV, Name on Card, Zip Code and a purple Add Card Button. An option to Go back is located at the bottom.

6. Enter the login credentials, then click 'Link Account' for each provider you would like to verify.

7. Once your account has been successfully linked, click 'Finish'.

Image of a Nice Work verification checkmark denoting you have been successful, along with the following content: Weâ€™re processing your request to update your payment information. Please allow 24 hours for these changes to show in your accounts. At the very bottom is a purple Finish button.

Check Search Guide

Use the Check Search page to search for specific transactions.

1. Select the 'Checks & Deposits' menu then 'Positive Pay'.

NOTE: Checks can be searched by specifying various criteria listed on the screen according to need.

Image of the top menu bar, with Checks and Deposits selected, and showing where to locate Positive Pay.

2. Click 'Launch Advanced Options' button to visit the full Positive Pay site.

Image of Positive Pay and where to access the Launch Advanced Options button.

3. Select the 'Transactions Processing' menu, then select 'Check Search'.

Image of the Transaction Processing menu, and the dropdown menu including: Submit Issued Check File, Add New Issued Check, Void a Check, Check Search and ACH Transaction Search. The location of Check Search is noted.

4. Select the desired Account Nickname from the drop-down menu. This specifies which Account or Accounts should be included in the search.

Image of Account Nickname showing a dropdown menu of accounts.

5. The following fields are optional and may be utilized to narrow down the corresponding search.

Select Check Status to specify the status of the check or checks being searched. All statuses will be selected by default.
Indicate a check number range if desired.
Select an item in the 'Date' drop-down menu to specify a category. This corresponds to the type of date you would like to run the Check Search report for.
Specify the Date Range of the check if this information is available to further narrow the search.

Image of Check Status showing a Check Status dropdown menu and fields for Check Number From and Check Number To, Date Issued dropdown, Date From and Date To with calendar icons.

7. Select a decision from the list based on whether the check was paid or returned.

8. Select a reason from the list based on the reason that was selected.

9. Indicate whether reversals should be included in the search by clicking the check box.

10. Click 'Search' once all desired criteria have been specified.

Image of Show additional options with a carrot for the dropdown menu.

11. The resulting checks will appear on the screen.

Image of Show additional options, with fields for Amount From, Amount To, Decision, Reason and Issued Payee. There is a checkbox to Include Reversals and an arrow pointing to the blue search button.

12. Drag a column header to reorder.

13. Select the search filter (or spyglass icon) to filter and search all results or select a specific column to search within.

Image of a Search window showing the items that were selected using the search criteria in the image above.

14. Select the columns icon to select or remove columns from the report.

Image of a Column dropdown menu that includes: All Columns, Check Number, Amount, Issued Payee, Account Nickname, Issued Date, Paid Date and Current Status.

15. Select the export icon to export the search results to a Microsoft Excel or PDF file.

Image of where to select the Columns icon and checkboxes for the following: Issued Date, Paid Date, Current Status, and Account Number.

16. Select the Kabob icon on an individual search result to perform various actions.

View check images
Edit record
View record

Image of where to locate the export icon to the right of the All Columns dropdown menu carrot.

External Transfer Guide

1. To add an External Account, select the 'Transfers and Payments' menu then 'Manage External Accounts'.

2. Enter the Account Number for the external account you wish to add.

3. Select the corresponding Account Type.

4. Enter the Routing Number for the external account.

5. Click 'Submit'.

NOTE: Once the external account request has been processed by Santa Cruz County Bank, you will receive two micro deposit amounts in the external account being added.

6. To verify the external account, select the 'Transfer' menu then 'Manage External Account'.

7. Scroll to the bottom of the page and select the 'Verify' link for the account to be verified.

8. Enter the two deposit amounts received in the external account.

9. Click 'Submit'.

Initial Access to the System

ACH and Check Positive Pay Guide

1. On the 'Home' screen, click 'Get Started'.

Screenshot of a financial dashboard from 'Santa Cruz County Bank' showing a section titled 'Financial Tools' with an arrow pointing to the 'Get Started' button.

Read the 'Financial Tools' disclaimer. Check the box beside 'I accept the Terms and Conditions' when done.

Screenshot of a webpage offering financial tools, featuring an illustration of a phone displaying charts and stacks of coins, with text prompting to see the full financial picture in one place. An arrow points to a checkbox to accept the Terms and Conditions next to a 'Get Started' button.

From the Home page, in the Financial Tool section, click on Spending.

Screenshot from a banking dashboard displaying a navigation bar for 'Financial Tools' with tabs for Spending, Budget, Trends, Cash Flow, Net Worth, and Debts. An arrow points to these tabs. Below, the 'Accounts' section lists different accounts with their balances.

The Spending page will appear. Click on the X at the top right corner.

Screenshot of a 'Spending' tab with an arrow pointing to the 'X' in the corner.

On the Home page, select an account to view transactions.

Screenshot showing a section labeled 'ACCOUNTS' in a banking application, with an arrow pointing to one of the accounts titled 'Sandpiper Ckg 9997' indicating its current and available balances.

To assign or change a category, click on the category icon to view a list of categories to choose from.

Screenshot of an account transaction history with an arrow pointing to recent transactions listed by date.

Click the down arrow to show the list of sub-categories to customize your transactions. Create a personalized category description by clicking the "add sub category" option, then click the check mark to save it.

Screenshot of a 'Categorize' dialog box from a banking application with a category search bar and an arrow pointing to the option to add a sub-category.

Click on 'Budget' to create categories of expected spending and track progress towards those categories each month. As each month progresses, you will be provided with visual clues to show how close you are to hitting the assigned thresholds.

Screenshot of a 'Budget' feature in a financial application with tabs for various financial tools at the top, an arrow pointing to the 'Budget' tab, and a visual prompt to take control of money with options to 'Start From Scratch' or 'Auto-generate Budgets'.

Click on 'Trends' to build even further on your budgeting categories to help track spending over time as compared to income.

Screenshot of the 'Trends' tab in a financial application with an arrow pointing to it, and a visual illustration suggesting users can understand their spending by connecting their accounts to see spending trends over time.

Click on 'Cash Flow'. Cash Flow provides information regarding cash availability over a specified period of time.

Screenshot of the 'Cash Flow' tab with an arrow pointing to it, showcasing a feature that allows users to view their income and expenses, including future predictions, to understand their cash flow over time.

Click on 'Net Worth' to display the total value of all internally-held and aggregated accounts to view their net worth over time

Screenshot of the 'Net Worth' tab with an arrow pointing to it, displaying a user's financial overview with a graph showing the net worth over time, highlighting the net worth.

Click on 'Debts' to see all of your debt accounts in one place and to calculate how making additional payments can impact debt over time. Modifying the payoff approach will reorder the accounts in the order of priority for that specific approach.

Screenshot of the 'Debts' tab showing a congratulatory message for having paid off all debts. The arrow points to the 'Debts' tab. There is a table with columns for 'Priority,' 'Account,' 'Balance,' 'APR,' 'Amount Due,' and 'Final Payment,' displaying a 'Cons Test Loan' with a balance of $0.00, suggesting no outstanding debt for this account.

ACH File Import Guide
ACH or Wire Recipient Guide
ACH Payroll Transactions Guide
ACH Template Creation Guide
Information Reporting Guide
One Time Commercial Payments Guide
Recipient Upload From Batch Guide
User Management Corporate Guide
User Roles Guide
Wire Origination Guide
Wire Upload Guide
Account Lableing Guide
ACH and Check Positive Pay Guide
User Setup and Template Guide

ACH File Import Guide

NOTE: Supported file types include the following:

Single-batch NACHA formatted file containing an SEC Class Code of either PPD (Prearranged Payment and Deposit to or from a consumer account) or CCD (Cash Concentration and Disbursement to or from a business account).
5-Column CSV File

1. Select the 'Transfers & Payments' menu and then select 'Commercial Payments'.

Image of the Transfers and Payments menu showing where to locate Commercial Payments.

2. Select 'New Payment' and then 'Payment from File'.

Image of the Payments Hub menu showing where to locate Payment from File.

3. Select the desired 'Payment Type' from the drop-down menu.

Image of the Payment From File drop-down menu options, including Payroll, ACH Collection, ACH Batch, Domestic Wire and International Wire

4. Click in the 'Import File' box to select a file to upload. Browse your computer for the file you would like to upload.

5. Select 'Upload File' to upload the selected file into Online Banking for processing.

Image of the Import File showing where to select Upload File.

NOTE: If the imported file is a 5-Column CSV, a second screen will be presented as part of the process. This screen requests additional information so a complete ACH file can be generated for processing based on the information designated.

6. Select the required fields from the corresponding drop-down menu.

SEC Code
'Pay From/Pay To' account
Company/Subsidiary
Effective Date

7. Review the information on the screen for accuracy and then select 'Approve' to authorize the wires or 'Draft' to only draft.

Image of the Payment From File â€“ Additional Information showing SEC Code, Pay From/Pay To, Company/Subsidiary, Effective date, a list of recipients, and where to select Approve.

ACH or Wire Recipient Guide

NOTE: A 'Recipient' is an individual or company which is either debited or credited via ACH or wire.

1. Select the 'Transfers & Payments' menu and then select 'Recipients'.

Image of the Transfers and Payments menu showing where to locate Recipients.

New Recipient

2. Click the 'New Recipient' button.

3. Enter 'Display Name and 'Email Address'.

NOTE: 'Send e-mail notifications' generates an e-mail to the recipient at the time the ACH or wire transaction is processed by Santa Cruz County Bank. The email message does not contain confidential information.

Image of the Recipients and where to locate New Recipient.

Image of the Payment Type showing ACH and Wire and the Account Type, as well as the Account fields marked with an asterisk showing that they are required.

4. Select the 'Payment Type' which designates the transaction type(s) for which the account is eligible.

a. Payment Type 'ACH and Wire' displays fields corresponding with both ACH and wires. Complete all required fields designated with an asterisk.

Image of the Payment Type showing ACH and Wire in dropdown menu, as well as Account Type and Account fields marked with an asterisk showing that they are required, along with a field for the Financial Institution and the routing number.

NOTE: The Financial Institution (FI) search function allows for the dynamic search of domestic banks and credit unions. Enter the FI name or ABA number in the field. When the desired FI has been selected, the corresponding ACH Routing Number and Wire Beneficiary FI information will automatically populate.

b. 'Payment Type 'ACH Only' displays fields corresponding with only ACH. Complete all required fields designated with an asterisk.

Image of the Payment Type showing ACH Only dropdown menu, as well as Account Type and Account fields marked with an asterisk showing that they are required, along with a field for the Financial Institution and the routing number.

c. Payment Type 'Wire Only' displays fields corresponding with only wires. Complete all required fields

d. designated with an asterisk.

Image of Beneficiary showing fields for Name, Country, FI ABA Number, Address, City, State, Postal Code, and the same fields for the Intermediary FI. All fields are marked with a required asterisk and where to select the check mark.

5. Click the check mark when the account setup is complete.

6. Select 'Add another account' to add an additional account or select 'Save Recipient' to complete the setup.

Image of the Where to locate Add Account, next to the fields Display Name and Email Address, which are required fields.

7. Complete all required fields in the 'Recipient Details' section.

NOTE: Address fields within 'Recipient Details' are for the recipient's address. This is required for Wire Transfers.

Image of the Recipient Details showing all required fields, including: Wire Name, ACH Name, ACH ID, Country, Address, City, State and Zip as well as where to Save Recipient.

ACH Payroll Transactions Guide

1. Select the 'Transfers & Payments' menu and then select 'Commercial Payments'.

NOTE: The 'Split Payments' option is only available for Payroll transactions.

2. Three options are available.

a. Click 'New Payment' and select 'the 'Payroll' option to create a new payroll transaction.

Image of the Payments Hub menu showing where to locate Payroll within the dropdown menu that includes: ACH: ACH Batch, ACH Collection, Payroll, and Wire: Domestic Wire and International Wire.

b. Click 'New Template' and select the 'Payroll' option to create a new payroll template.

Image of the Payment Templates, showing where to locate Payroll within dropdown menu that includes ACH: ACH Batch, ACH Collection, Payroll, and Wire: Domestic Wire and International Wire.

c. Click the 'template actions' icon and select 'Edit' to work with an existing Payroll template

Image of Results showing where to locate the Template Actions icon and where to select edit.

3. Select the desired recipient's primary account from the drop down list of existing recipients.

Image of Recipients and where to locate the desired recipientâ€™s account within the dropdown menu.

4. Enter total dollar amount of the payroll transaction.

Image of Recipient/Account and where to enter the dollar amount of the payroll transaction.

5. Click the 'Show payment actions' icon and select the 'Split Payment' option.

Image of the Recipient/Account content and where to click the Show Payment Actions icon and where to select Split Payment within the dropdown menu containing: Split Payment, Copy, Expand Row, Show Details and Notify Recipient.

6. Select the recipient's secondary account from the drop-down list.

Image of Recipient/Account and where to select the recipientâ€™s secondary account from a drop-down list of accounts, that includes a field to insert a desired $ amount.

7. Enter the desired dollar amount to be allocated to the secondary account. Then select 'Draft or Approve', depending on user entitlement.

NOTE: The dollar amount allocated to the primary account will be automatically reduced in accordance with the total dollar amount of the payroll transaction.

Image of Recipients and where to enter the $ amount to allocate to the secondary account, and where to select Draft/Approve.

ACH Template Creation Guide

NOTE: A Commercial Template allows you to save payment information that can be accessed in the future.

1. Select the 'Transfers & Payments' menu and then select 'Commercial Payments'.

2. Select 'New Template' and the desired payment type.

Image of the Payment Templates content and where to select New Template, with a dropdown menu that includes: ACH: ACH Batch, ACH Collection, Payroll, and Wire: Domestic Wire and International Wire.

3. Designate a 'Template Name'.

4. Select an 'SEC Code'.

5. Select a 'Subsidiary'.

6. Select an offset 'Account'.

Image of the Template Properties and where to select an SEC code, under the heading Origination Details.

7. Click the link below 'Template Access Rights'.

8. Select the 'User Role(s)' who should have access to the template.

NOTE: A User Role will appear as greyed out if the feature allowing access to all templates is enabled. This overrides the ability to remove template access from the corresponding User Role.

Image of the Select User Role(s) and where to check the box for a Super User, a Vericast User and the Done button.

9. Click the '+Add multiple recipients' link to add multiple recipients to the template.

Image of Recipients and where to locate Add Multiple Recipients.

10. Select the desired recipients and click the 'Add' button when done.

Image of Select Multiple Recipient Accounts and where to locate the Add button.

11. Enter a dollar amount for each linked recipient.

NOTE: The amount may be left as $0.00 if the amount will differ from file to file.

12. Review the information on the screen for accuracy and then select 'Save'.

Image of the Recipient Accounts content and where to enter a $ amount and where to locate the Save button.

Information Reporting Guide

Reports Setup Process

1. Select the 'Information Reporting' menu, then select 'Advanced Reporting'.

Information Reporting on the menu bar and an arrow showing where to locate Advanced Reporting.

2. Click the 'New Report' link and select the desired report from the list.

Reports content showing where to locate New Report

3. Indicate whether the report is Private or Shared.

4. Enter the desired name for the report.

5. Indicate which accounts need to be included in the report.

NOTE: This step only corresponds with reports associated with account information.

a. Click the 'All Accounts' box to include all available accounts in the report.

b. Click the 'Select specific account(s)' link to choose individual accounts to be included in the report.

ACH Activity Report, Previous Days and where to locate Shared, where to enter the desired name, and where to denote which accounts need to be included in the report.

Select the accounts to be included in the report. Either select by label or by individual account.

Select Accounts content shows all your accounts and you can select by label or individual accounts.

6. Select the date(s) to be included in the report.

a. Select one of the dynamic date range options. (A rolling date range that shifts in accordance with the current day)

NOTE: Information can be pulled as far back as the oldest transaction that exists within Online Banking for the respective account(s).

Date content with options to select the following; Last Business Day, Last Week, Last Month, Last 30 Days, Last 60 Days, Last 90 Days and Custom Dates.

7. Select how often the report should run.

8. Select 'Create and Run' to run the report immediately and to save the recurrence. Or select 'Create' to schedule the report without immediately running it.

Select how often you want the report to run: On Demand, Every Business Day, Every Calendar Day, Weekly and Monthly.

9. The report will display as either 'Queued' or 'In Progress' while it is being generated, depending on how many reports are currently being generated.

10. Click the 'Actions' option to View History, Run On-Demand, Edit, Copy, or Delete the specific report.

Reports content showing options to View History, Run On-Demand, Edit, Copy, or Delete the specific report.

One Time Commercial Payments Guide

1. Select the 'Transfers & Payments' menu and then select 'Commercial Payments'.

2. Select 'New Payment' and then select the desired Payment Type.

Image of the Payments Hub menu showing where to create a new payment using: ACH: ACH Batch, ACH Collection and Payroll, plus Wires: Domestic and International

3. Select 'Upload from File'.

Image of ACH Batch showing origination details, SEC Code, From Subsidiary, Account and Effective Date.

4. Select the 'Import File' box to browse and select the file to be uploaded on the computer.

5. Select 'Save Recipients' to automatically add the recipients into the master recipient list. A confirmation will pop up on the screen once the file has been uploaded successfully.

NOTE: Select 'Upload File' if the ACH or wire file will need to be processed.

NOTE: If there is a problem with the file being imported, an overlay message will appear on the screen with a notification.
Potential examples may include:

ABA number contains more or less than 9 digits.
File being imported is not in NACHA or CSV format.

A screenshot of a web interface for uploading Automated Clearing House (ACH) batch files with detailed instructions for submitting files in Comma Separated Values (CSV) or NACHA format. Instructions specify necessary columns for CSV uploads, including recipient's name, routing and account numbers, account type, and amount. Users are guided to select appropriate settings for SEC codes and subsidiary details. The screenshot also shows a section for uploading a file named 'AchBatch-sample (3).csv', with options to cancel, save recipients, or upload the file, and a link to a PDF file specification.

Recipient Upload from Batch Guide

1. Select the 'Transfers & Payments' menu and then select 'Commercial Payments'.

2. Select 'New Payment' and then select the desired Payment Type.

Image of the Payments Hub menu showing where to create a new payment and where to select ACH Batch from the list.

3. Select 'Upload from File'.

Image of ACH Batch and where to select the Upload From File option.

4. Select the 'Import File' box to browse and select the file to be uploaded on the computer.

5. Select 'Save Recipients' to automatically add the recipients into the master recipient list. A confirmation will pop up on the screen once the file has been uploaded successfully.

NOTE: Select 'Upload File' if the ACH or wire file will need to be processed.

NOTE: If there is a problem with the file being imported, an overlay message will appear on the screen with a notification.
Potential examples may include:

ABA number contains more or less than 9 digits.
File being imported is not in NACHA or CSV format.

Image of Payment from File with where to select the Import File field, and then where to select Upload File

User Management Corporate Guide

Managing Existing Online Users

1. Select 'Access & Security' menu and then select 'Users'

Image of the â€™Access & Securityâ€™ menu showing where to locate Users.

2. Click on the pencil icon next to the user you wish to edit.

Image of User Management, showing the Add User button and the pencil icons below the Add User button.

3. One of three update actions may be made to an existing user:

Select 'Deactivate User' to disallow a user from logging in without completely deleting the user.
Select the 'User Role' drop down menu to update the 'User Role' for a user. Click 'Update Role' upon completion.
Select the 'Delete' button to permanently delete the online user. This action cannot be undone.

NOTE: The User Role update will go into effect upon the user's subsequent log on after the change has been made.

Image of User Details showing where to locate Deactivate User, as well as where to select User Role, User Logins and the Delete button.

Creating New Online Users

1. Click the 'Add User' button.

Image of User Management and where to locate the Add User button.

2. Complete all fields.

3. Click the 'Save New User Detail' button when done.

NOTE: Reference the User Roles setup guide for assistance with setting up a 'User Role'.

Image of New User Details showing fields for Personal Details and Login Details, and where to locate the Save New User Details button.

User Roles Guide

NOTE: User Roles are created to control feature entitlements and dollar limits for one or more company users.

1. Select the 'Access & Security' menu, then select 'Users Roles'.

Image of the â€™Access & Securityâ€™ menu showing where to locate Users Roles.

2. Click on 'Create Role' to create a new user role.

NOTE: Three actions can be performed on an existing User Role.

Select the pencil icon to edit the user role.
Select the double paper icon to copy the user role.
Select the trash bin to delete the user role.

Image of User Roles, showing the Create Role button and the pencil, double paper icon, and trash icons below the Create Role button.

3. Select a transaction type that you would like to set parameters around by clicking on the transaction name.

4. Now select 'Allowed Actions'.

Image of User Roles showing where to select ACH Collection.

Allowed Actions

NOTE: One or multiple levels may be set up to establish general or specific user limitations.

5. To specify the allowed operation(s) for the selected transaction type, click the vertical dot icon and select 'Edit'.

Image of ACH Batch and Policy Tester and where to locate the Add Allowed Actions button with a dropdown menu: Show Details, Edit and Delete.

Operations

'Draft' allows a user to initiate a transaction.

'Draft Restricted' allows a user to only access an assigned ACH or wire template. It does not allow a user to edit exiting templates or add new templates. One-time payments and recipient maintenance within existing templates are also not allowed.

'Approve' allows a user to authorize a transaction.

'Cancel' allows a user to cancel a drafted or authorized transaction.

Amount

7. Select the 'Any allowable amount' option or 'Specific Amount' to enter the amount for the allowed action.

Subsidiaries

8. Select the 'Any allowed subsidiaries' option or choose 'Select specific subsidiaries' to view the subsidiary or subsidiaries allowed for this transaction type. This step applies only to organizations with more than one Tax ID number.

Accounts

9. Select the 'Any allowed accounts' option or choose 'Select specific accounts' to specify the account(s) allowed for this transaction type.

Draft Hours

10. The 'Draft Hours' option allows you to restrict hours and days of the week when transactions can be drafted.

11. Select 'Submit'.

Image of Draft Hours options showing fields for Day, Start Hours, and End Hours and where to locate the submit button.

Rights

12. On the Rights tab, select the appropriate right for the user role's ability to view transactions in the 'Activity Center'.

All: View transactions initiated by any user within the company

Role: View transactions initiated by users with the same role

Account: View online activity of accounts the user has access to

Own: View only your own transactions

None: Cannot view transactions

Image of ACH Batch, Rights and Allowed Actions options, and where to select the following options: All, Role, Account, Own, and None.

Approval Limits

13. Select the 'Approval Limits' tab to view and modify the dollar and count limits assigned by Boston Private.

14. Repeat the previous steps for each transaction type.

Image of Approval Limits showing were to set Maximum Amounts and Maximum Counts for the following: Per Transaction, Daily Per Account, Daily and Monthly.

Features

15. Select the 'Features' tab to view and modify the non-transactional features. Select features you wish to enable or disable.

Accounts

16. Select the 'Accounts' tab to view and modify the account entitlements by selecting the checkmark or circle with a slash under 'View', 'Deposit' or 'Withdraw'.

17. Save the User Role by selecting the 'Save' button.

Image of Accounts options and where to locate the Accounts tab and selections available for View, Deposit, and Withdraw.

Wire Origination Guide

1. Select the 'Business Banking' menu, then select 'Commercial Payments'.

2. Select 'New Payment' and then 'Domestic Wire' from the dropdown menu.

Image of the Payments Hub menu showing where to create a new payment by selecting Domestic Wire.

3. Select the checkbox next to 'Use same Subsidiary for all wires' if all wires should contain the same subsidiary. Or leave the checkbox empty to specify the subsidiary individually.

4. Select the checkbox next to 'Use same Account for all wires' if all wires should contain the same Account. Or leave the checkbox empty to specify the subsidiary individually.

5. Select the checkbox next to 'Use same Date for all wires' and enter a date if all wires will be processed on the same date. Or leave the checkbox empty to specify each date individually.

Image of the Domestic Wire form showing where to indicate the subsidiary to use, the account to use, and the process date to use.

6. Select the 'Add multiple recipients' link to setup multiple wires to existing recipients.

Image of the Wires field showing where to add multiple recipients.

7. Select the 'Add another wire' link to add just a single wire to the page.

8. Enter the 'Recipient/Account', 'Amount', 'From Subsidiary' and 'Account' fields.

9. Review all information for accuracy. Then select 'Draft' or 'Approve' to complete the process.

Image of Wire Details showing where to add another wire, and options to Cancel, Draft, or Approve.

Wire Upload Guide

NOTE: Wire Upload allows you to upload a formatted CSV file that includes multiple wire transfers instead of inputting the wire information manually.

1. Select the 'Transfers & Payments' menu and then select 'Commercial Payments'.

Image of Transfers and Payments menu showing where to locate Commercial Payments.

2. Select 'New Payment' and then 'Domestic Wire'.

3. Select the 'Upload from File' link in the top right corner.

Image of Domestic Wire showing where to select the Upload From File option.

4. Select the 'Use' option to upload a CSV formatted file.

5. Click the 'Please select a file to import' box to browse for the file to be uploaded on the computer.

6. Select 'Upload File'.

Image of File Mapping Management showing where to select Use option from a dropdown menu.

7. Indicate the Process Date for the wires.

If all wires need to be processed on the same day, check the 'Use same Date for all wires' box and click on the calendar below to specify the desired Process Date.
If the wires need to be processed on varied days, leave the 'Use same Date for all wires' box unchecked and indicate the Process Date for each wire individually.

Image of the Domestic Wire form showing how to indicate the process date to use.

NOTE: The fields for each wire will be populated in accordance with the data included in the CSV file being imported.

Review all information on the screen for accuracy and select 'Approve' or 'Draft' in accordance with user entitlements.

Image of the Domestic Wire form and how it allows you to review your selections, with options to Cancel, Draft or Approve.

Account Labeling Guide

NOTE: Account Labeling allows you to group accounts for easy identification. Only User Administrators will have access to this function.

1. On the homepage, select the 'Options' icon, next to each group name you would like to edit.

Image of the home page showing the accounts that are available, and showing where to locate the Options Icon.

2. Select 'Edit Group Name' to start labeling your account groups.

Image showing a closeup of the Options Icon area that also shows where to locate Edit Group Name within the dropdown menu.

3. Then select the 'Checkmark' to save your changes.

Image showing a closeup of where to locate the Checkmark under the Print Icon.

4. Select the 'Options' icon next to each account then select 'Nickname Account' to change its name.

Image showing accounts and the Options icon showing where to locate Nickname Account within the dropdown menu.

5. You can provide a 'Global Nickname' or change the current "Personal Nickname".

6. Click 'Save' when done.

NOTE: The global nickname changes the account name for all users who do not have their own nickname set for this account. Your personal nickname for this account is only visible to you.

Image showing Nicknames, Account Name, Current Balance, Account Number and Available Balance as well as where to locate a field for Global Nickname, Personal Nickname and then where to locate the blue Save button.

Initial Access to the System

ACH and Check Positive Pay Guide

Initial Access to the System

Users will receive a 'Welcome Email' from eBanking when implementation is complete.
Log into the system with your User ID and Password.

Access Positive Pay by selecting the 'Checks and
Deposit Tab'.

Screenshot of online banking app highlighting the link for Checks & Deposits

Within Checks & Deposit, select 'Positive Pay'.
The Positive Pay system will open in a new tab.

NOTE:
The daily cutoff time for processing exceptions is 11 am.

Screenshot of online banking app's 'Checks & Deposits' page with options for 'Deposit Checks', 'Stop Payments', and 'Positive Pay'. The 'Positive Pay' option is highlighted with an arrow pointing to it.

Processing Exceptions and Viewing Activity

The dashboard page displayed by default after login, is the primary page used to navigate through Positive Pay tasks.
Users can select either 'ACH' or 'Check' from the dashboard to process exceptions.

ACH Positive Pay and Check Positive Pay sections within a banking application dashboard.

The easiest way is to click 'Transaction View'. From here the user will be able to process all transactions from one place.

Screenshot of an online banking application displaying the 'Transaction History' section with an arrow pointing to the 'Transaction View' tab.

'Yellow Items' will need to have a decision made on them, shown under the 'Manage' header.
Click the 'Pay' or 'Return' button based on the decision on the item.
'Green' items do not require any action.

Screenshot of a banking application showing a detailed 'Transaction History' list with an arrow indicating the 'Manage' column.

Expand individual items to view the reasons or hover over the 'Exception/Validation Icon' to see more details.

Screenshot of a single transaction in a banking application, with an arrow pointing to the 'Exception/Violation' column.

Screenshot from a banking application showing the details of an ACH debit transaction with a violation indicator for being on the blocked list.

To change the return reason for a check, select the drop-down arrow on the left hand side, and then select the hyperlink under 'Return Reason'. Next, select the appropriate 'Return Reason'.

Common 'Check Exception' return reasons are:

Amount Incorrect
Duplicate
Fraudulent
Payee Name Mismatch
Prior Stopped
Prior Void
Refer to Maker (Default)
Serial Number Incorrect
Signature Irregular
Signature Missing
Stale Dated

Use the filters on the dashboard and transaction view screens to filter items by amount, status, etc.

Screenshot of a banking application showing an expanded view of a single returned check transaction with an arrow pointing to link for Return Reason

Screenshot of the 'Transaction History' section in a banking application, with an arrow pointing to the date range selection tool.

ACH Exceptions

ACH Exceptions occur when an item does not meet the rules requirements.

Steps for adding an approved list vendor are:

Add to 'Approved List'.
- This will add the sender to the approved list for future transactions.
- 'Max Amount' can set the maximum amount of the ACH transaction.
- Frequency will set how often the sender can send a transaction.

NOTE:
For instance, payroll would make one payment weekly, if set to weekly. Use this with caution.

Screenshot of a banking application's transaction list with a pop-up window for adding a company to an approved list, indicated by an arrow.

Add to Block List
- Adds the sender to the blocked listing and no transactions will be accepted from this sender.

Screenshot of a banking application's transaction list with a pop-up window for adding a company to a Block List, indicated by an arrow.

Reports

Audit Report
- A report listing activity for each user of the system. May be filtered by date range.

Notification Delivery Report
- A report listing users who are setup to receive notifications and the method that they are set to receive those transactions.

Screenshot of the 'Audit Report' section in a banking application, with an arrow pointing to the Notification and Delivery Report

Manage Users

To use the 'Manage Users' feature please contact eBanking for assistance, eBanking@sccountybank.com, 831.600.4060.

User Preferences

This section is used to customize a user's preferences in the system.

Hint:
To seamlessly navigate to the exception processing screen when accessing the system do the following:

Set the default module to 'Dashboard'.
Set default dashboard page to 'Transaction View'.

Screenshot displaying the 'Preferences' settings in a banking application, with arrows pointing to the 'Default Module' and 'Default Dashboard Page' selection menus.

Modules

There is a specific module for 'ACH' and for 'Check Positive Pay'.

To focus on ACH, click Change Module > ACH Positive Pay.
To focus on Checks, click Change Module > Check Positive Pay.

Screenshot showing a 'Change Module' dropdown menu in a banking application with options for 'ACH Positive Pay' and 'Check Positive Pay', with an arrow pointing to the menu.

Change Module > ACH Positive Pay Manage > Notification Rules

Screenshot of a banking application with an arrow pointing to the 'Manage' dropdown menu, revealing options for 'Notification Rules', 'Approved List', and 'Block List' under the 'ACH Positive Pay' feature.

NOTE:
The tabs – Selection, Contacts, Conditions, Confirm – are not clickable. Use the 'Next' button to navigate through the screens.

Screenshot of an account selection interface in a banking application with a step indicator at the top and an arrow pointing to the 'Next' button.

Notification Rules
This is used to setup users to be notified of exceptions.

Select the accounts to be notified on. Click Next.
Enter the cell phone numbers and email addresses that will be notified of exception items.
Do not click the 'Default' check box.
Click Next.

Screenshot of a banking application's alert setup page with 'Contacts' highlighted, and an arrow pointing to the 'Next' button.

Screenshot of the 'Contacts' section in a banking application alert setup, with an arrow pointing to the 'Cell Phone Text' input field.

Choose the conditions for which the users will be notified. Check all appropriate boxes. Click next.

Screenshot of a banking application's alert setup page under 'Conditions', with an arrow pointing to the 'Next' button.

Confirm all of the changes and click 'Save'.

Screenshot of the 'Confirm' step in a banking application's notification rule setup, with an arrow pointing to the 'Save' button.

Manage > Approved List

Click the 'Create' button.
Enter the 'Company ID' and 'Company Name'.
- The best practice is to add approved vendors from the 'Transaction View Screen' as the Company ID and name are not always available.
Click the 'Edit' link to make any necessary changes for existing vendors on the approved list.

Screenshot of a banking application dropdown menu with 'Approved List' highlighted by an arrow.

Screenshot of the 'Approved List' interface in a banking application with an arrow pointing to the 'Create' button for new entries.

Screenshot of the 'Approved Company' details interface in a banking application with arrows indicating fields for 'Company ID' and 'Company Name'.

Check the box next to a company name and select 'Delete Selected' to remove the sender from the approved list.

Screenshot of a banking application's indicating the location of the Delete Selected button

Manage > Block List

Click the 'Create' button.
Enter the 'Company ID' and 'Company Name'.
The best practice is to add blocked senders from the Transaction View screen as the Company ID and Company Name are not always available.
Click the 'Edit' link to make any necessary changes for existing senders on the blocked list.
Check the box next to a company name and select 'Delete Selected' to remove the sender from the blocked list.

Screenshot of a banking application dropdown menu with an arrow pointing to the 'Block List' option.

Screenshot of a banking application's 'Block List' management interface with arrows pointing to the 'Create' button and a checkbox next to a listed company for selection.

Reports
Reports available for the 'Approved List', 'Blocked List', and notifications can be accessed through menu option noted on the right.

Screenshot of a banking application's interface showing an arrow pointing to the 'Reports' dropdown menu, with the 'Approved List' option visible within the menu.

Transaction History
Use the available filters to view 'Debit Transaction' history.

Screenshot of the 'Debit Transaction History' filter options in a banking application with arrows pointing to the filter toggle and the 'Company' dropdown menu.

Change Module > Check Positive Pay Manage > Issue Templates

Screenshot of a banking application dropdown menu with an arrow pointing to the 'Check Positive Pay' option.

Issue Templates
Use this page to create templates corresponding to the format of your issue file.

NOTE:
Hover over question marks for additional information.

Screenshot of a banking application showing the 'Check Positive Pay' section with an arrow pointing to the 'Manage' dropdown menu, revealing the 'Issue Templates' option.

Click the 'Create New Template' button.

Screenshot of a template management section in a banking application, with an arrow pointing to the 'Create New Template' button.

Enter the template name.
Select a file type from the drop-down list.
- Most common: CSV, Excel workbook, tab-separated.

Screenshot showing a 'Create New Template' form in a banking application, with arrows pointing to the 'Template Name' input field and the 'File Type' dropdown menu.

Enter the number of rows that contain header and footer information. If there are no headers and footers in the file, leave this as zero.

Screenshot of input fields for specifying the 'Number of Header Rows' in a template, with an arrow pointing to the field.

Enter 'File Mapping'.
- Indicate which columns in the issue file contain the Serial Number, Amount, Issuance Date, and Payee Name.
- If other fields are in the issue file, click the box next to that input field.

Screenshot of a banking application's template creation interface with an Excel spreadsheet preview alongside, and an arrow pointing to the 'Add' button under the 'File Mapping' section.

Perform
Issue File Load
Use this feature to upload an issue file.

Screenshot of a banking application dropdown menu titled 'Perform', with an arrow pointing to the 'Issue File Load' option.

NOTE:
There is an option to click "Create new Template" to create a new template here.

Screenshot of the 'Issue File Load' section in a banking application with an arrow pointing to the 'Create New Template' button.

Select the account that will be used.
Click 'Browse' or drag and drop the issue file into the upload area on the screen.
- If a file is pulled in accidentally, it can be removed by clicking the trash icon or selecting the Remove button.
Click 'Upload'.

Screenshot of the 'Issue File Load' page in a banking application, showing a selected file for upload with arrows pointing to the account dropdown menu and the 'Browse' button.

Verify the checks listed in the file.
Ensure that check statuses are 'Available for Matching'.
If an item has already been loaded into the system, the status will read 'Duplicate Issuance'.

Screenshot of a banking application's file status page showing completed file processing, with arrows pointing to the summary of items processed and the 'Delete' button.

Issue files can be deleted up until the first item in the file clears.
To delete an issue file, click the delete button.

Screenshot of a confirmation dialog for deleting an issuance file in a banking application, with an arrow pointing to the 'Confirm' button.

Manual Issue Entry

Use manual entry to enter checks one at a time.
Select Perform, Manual Issue Entry.
Select Account, Enter Serial Number, Amount, Payee Name and Issuance Date.
If entering a range of checks select check box "Auto populate next check number" to populate the check numbers for you as they are entered.
When finished select Save.

Screenshot of the 'Manual Issue Entry' form in a banking application, with arrows pointing to the account selection dropdown, an input row for data entry, and the instruction to click any row for editing.

Reports
Issue Item Status

Use this to filter and sort specific items by 'Issue Status' and 'Account'.

Screenshot of a banking application dropdown menu with an arrow pointing to the 'Issue File Status' option.

View
Issue Item Status

Can view all of the issuance files and their status (System Approved, Deleted, etc.).

Screenshot of the 'Issuance Files Status' page in a banking application, with an arrow pointing to the filter options.

Screenshot of the 'Issuance Files Status' page in a banking application, showing the filters section for 'Issuance Load ID' and 'Status', with the option to apply or reset the filters.

Issue Warehouse

Use this screen to view and edit issuances.

To edit click the pen icon.

Screenshot of the 'Issue Warehouse' section in a banking application showing a list of transactions with an arrow pointing to the 'Update' icon next to an issuance date.

Users can edit the 'Amount', 'Payee Name', or 'Status' up until the item has cleared.

Screenshot of the 'Update Issue Item' form in a banking application, with arrows pointing to the fields for 'Serial Number', 'Amount', 'Payee Name', and the dropdown menu for 'Status'.

Transaction History

Users can manage check exceptions from this screen.
Use the filters to filter specific transactions or ranges of transactions.

Item Lookup

Use this to find a specific check number.

User Setup and Template Guide

The User Setup page is used by the company administrator to manage users.

1. Select the 'Check & Deposits' menu and then 'Positive Pay'.

Image of Checks and Deposits menu showing where to locate Positive Pay.

2. Under the New Client Setup menu, select 'User Setup (Client)'.

Image of menu with New Client Setup selected and showing where to then select User Setup (Client).

3. Click the 'Add New' button to set up a new user.

Image of User Setup (Client) showing where to locate the Add New option.

4. On the 'Contact Information' tab, complete all required fields on the screen which are designated with an asterisk.

Image of User Setup (Client) Contact Information tab showing required and optional fields to be completed.

5. Click on the 'Security Settings' tab.

6. Enter the user's desired Username and default password.

7. Enter the password a second time for verification. The user will be requested to change their password upon initial login.

8. Select the accounts in the box on the left side of the screen the user should have access to. If the user should have access to all accounts, click the 'Add All' button.

Image of User Setup (Client) showing where to locate the Security Settings tab and showing where to locate the Add All option.

9. Click the 'Assign all new accounts to this user' option if the user should be automatically granted access to all new accounts opened by the company.

Image of User Setup (Client) Security Settings tab showing where to locate the option to Assign all new accounts to this user.

10. The ACH Reports section lists all available ACH Reporting Files.

11. Select the reports the user should have access to. Click the 'Add All' button, to add all reports.

12. Click the 'Assign all new ACH reports to this user' option if the user should be automatically granted access to all new ACH Reports created by the company.

Image of User Setup (Client) Security Settings tab and ACH Reports section, showing where to locate the option to Assign all new ACH reports to this user and showing where to locate the Add All option.

13. Click on 'Transaction Data User Rights' to expand the listing of rights available to assign to the user. Select all that apply.

14. 'Check Exception Type' specifies the user's permissions for check exceptions. Select the desired view option in the drop-down menu.

15. Repeat this action for the ACH Exception Type drop down.

Image of User Setup (Client) Security Settings tab and Transaction Data User Rights section, showing where to locate the dropdown menus for Check Exception Type and ACH Exception Type options.

16. Click on 'Setup User Rights' to specify what rights should be available to the user.

17. Click 'User Locked' to lock the user record if the user should not be allowed to log into the system.

Image of User Setup (Client) Security Settings tab and Setup User Rights section, showing where to locate the User Locked option.

18. Click on the 'Menu Settings' menu.

19. Select the user security template the user should have access to.

Image of User Setup (Client) showing where to locate the Menu Settings tab and showing the User Security Template drop down menu.

20. Click on the 'System Messages' menu to designate which notifications the user should receive.

21. Select an option from the drop-down menu beside 'User Notification Template' to quickly select all text or email notification options.

22. Click 'Submit' to complete the user setup process.

Image of User Setup (Client) showing where to locate the System Messages tab and showing the User Notification Template drop down menu.

23. To search for an existing user, select the desired user status from the drop-down menu then click the Search button.

24. Click the 'Edit' button to edit an existing user, or 'Copy' to copy an existing user.

Personal Banking

Online Banking

Mobile Banking

Card Services

Education Center

Business Banking

Treasury Management

Mobile Banking

Card Services

Education Center

Business Lending

Card Services

What Sets Us Apart

Secure File Upload

Investor Relations

About Us

Community Involvement

Contact Us

Locations & Hours

Education Center

Career Opportunities

Contact Us

Secure File Upload

Education Center – Personal Banking

Simple Step-by-Step Online Banking Instructional Guides: