ONLINE BANKING FOR BUSINESS USER GUIDE

Transcription

1 ONLINE BANKING FOR BUSINESS USER GUIDE

2 CONTENTS GETTING STARTED WITH ONLINE BANKING FOR BUSINESS 5 Technical Requirements 7 Trusteer Rapport 8 Logging into Online Banking for Business 9 Resetting a Forgotten Password 10 Setting Up a SecurID Soft Token on Your Computer 12 Downloading the RSA SecurID Software for Your Computer 12 Installing the RSA SecurID Software on Your Computer 13 Importing a Software Token for Your Computer 15 Setting Up a SecurID Soft Token on Your RIM BlackBerry Smartphone 18 Downloading the RSA SecurID software for Your BlackBerry 18 Installing a SecurID Soft Token on Your BlackBerry 18 Importing a Software Token for Your BlackBerry 20 Changing the Password for the SecurID Token on Your BlackBerry 21 SecurID Authentication with a PIN 23 SecurID Authentication When Setting Up a New PIN 24 Online Banking for Business at a Glance 27 Locating Your Services in Online Banking for Business 27 List Pages 28 Searching for Items in a List 29 Sorting a List 30 Exporting Data from a List 31 Create and Modify Pages 32 View Pages 33 Date Formats 33 VIEWING YOUR HOME PAGE 34 Viewing Your Login History 36 Viewing Your Account Balances 37 Viewing Your Current Day Balance Details for a Deposit Account 40 Viewing Your Previous Day Balance for a Deposit Account 42 Viewing Your Corporate Credit Card Balance Details 44 Viewing Your Loan Balance Details 47 Viewing Your Line-of-Credit Balance Details 49 Viewing Your Investment Balance Details 51 Customizing the My Balances Section of Your Home Page 53 Viewing Your Pending Approvals 59 Viewing Your Bulletins 64 Viewing Your Alerts 66 Troubleshooting Your Home Page 70 ACCOUNT INFORMATION 71 estatements Canada 72 Enrolling Your Company in estatements 72 Entitling Users to estatements 72 Assigning Contracts to Users in estatements 73 ONLINE BANKING FOR BUSINESS USER GUIDE PAGE 2

3 Viewing estatements 73 PAYMENTS AND RECEIVABLES 75 Tax and Bill Payments 76 Enrolling Your Company in Tax and Bill Payments 76 Managing Tax & Bill Payments 79 Creating a Payment Profile 81 Modifying a Payment Profile 82 Paying Taxes and Bills 83 INVESTMENTS AND TRADING PRODUCTS 85 Foreign Exchange 86 ADMINISTRATION AND PREFERENCES 87 Alerts 88 Managing Your User Profile 89 Viewing Your Service Entitlements 93 Service Setup Requirements 95 Company Profile 96 Requesting Changes to Your Company Profile 100 Reviewing Changes to Your Company Profile 101 Viewing Your Company's Service Entitlements 105 Services With Additional Company Setup 107 Account Information Company Service Entitlements 107 Account Transfer Company Service Entitlements 108 ACH Company Service Entitlements 109 Activity and XReports Company Service Entitlements 112 Balance Report Company Service Entitlements 113 Book Transfer Company Service Entitlements 113 Cash Concentration Company Service Entitlements 114 Cheque Imaging Company Service Entitlements 117 ERD Company Service Entitlements 118 Homepage Balances Company Entitlements 118 Recon Management Company Service Entitlements 119 Stop Payment (Canada) Company Service Entitlements 121 Stop Payment (US) Company Service Entitlements 122 System Mail Company Service Entitlements 122 Wire Payment (Canada) Company Service Entitlements 123 Wire Payment (US) Company Service Entitlements 126 Managing Users 130 User Statuses 131 Managing SecurID Tokens 132 Ordering SecurID Tokens 132 Enabling SecurID Tokens 133 Disabling SecurID Tokens 134 Reassigning SecurID Hardware Tokens 135 Resetting SecurID Tokens to New PIN Mode 136 Returning SecurID Hardware Tokens 137 Resetting a User Password 137 ONLINE BANKING FOR BUSINESS USER GUIDE PAGE 3

4 Viewing a User 138 Viewing User Service Entitlements 140 Modifying a User 142 Modifying User Service Entitlements 144 Creating a User 146 Creating User Service Entitlements 147 Working with User Profiles 149 Working with Service Entitlements 152 Viewing the History of Changes to a User 154 Services Requiring Additional User Setup 155 Account Information User Service Entitlements 156 Account Transfer User Service Entitlements 158 ACH User Service Entitlements 160 Activity and XReports (Audit Reports) User Service Entitlements 164 Alerts User Service Entitlements 165 Balance Report User Service Entitlements 168 Book Transfer User Service Entitlements 171 Cash Concentration User Service Entitlements 172 Cheque Imaging User Service Entitlements 174 Direct Cheque/First Bank Automated Clearing Services User Service Entitlements 175 Electronic Funds Transfer User Service Entitlements 177 ERD User Service Entitlements 179 File Transfer Facility User Service Entitlements 180 Homepage Balances User Service Entitlements 182 Lockbox Imaging, Retail User Service Entitlements 183 Recon Management User Service Entitlements 184 Safekeeping User Service Entitlements 186 Stop Payment (Canada) User Service Entitlements 187 Stop Payment (US) User Service Entitlements 189 System Mail User Service Entitlements 191 Tax & Bill Payments User Service Entitlements 192 Wire Payment (Canada) User Service Entitlements 193 Wire Payment (US) User Service Entitlements 197 Managing Approvals 200 Approving Users 200 Reviewing a User 202 Audit Reports 205 User Access Change Report 205 User Activity Audit Report 206 SOLUTIONS AND RESOURCES 208 GLOSSARY 209 INDEX 212 ONLINE BANKING FOR BUSINESS USER GUIDE PAGE 4

5 GETTING STARTED WITH ONLINE BANKING FOR BUSINESS GETTING STARTED WITH ONLINE BANKING FOR BUSINESS Welcome to Online Banking for Business. Online Banking for Business is a powerful suite of web-based treasury management tools to help you manage cash flow easily, effectively and strategically. A customizable homepage allows you to control and personalize the information that is most important to your business, right up front. Monitor accounts and transactions in real time. Verify the status of payments and receivables. Search and retrieve cheque images at your convenience. Make electronic payments and transfer funds between accounts in seconds, all via the Internet. Like turning on the ignition in your car, simply login and you ll access all of your treasury management services, including Canada, US, UK, Euro services, wholesale lockbox, cheque images, lockbox imaging, electronic funds transfer, and foreign exchange. This user guide is also available as an online help system. To open the help system from within Online Banking for Business, click the Help link from any page or the help icon on any section title bar. Note about user access: Depending on your job, you may not be able to view all pages, or all functions in a page, or perform all the tasks outlined in this guide. In addition to this Getting Started section, this guide contains the following sections: "Viewing Your Home Page" on page 34 This section describes how to use the Home page, which is displayed immediately after you log into Online Banking for Business. "Account Information" on page 71 This section describes the services available on the Account Information menu. To access help, click the Help link within the services. "Payments and Receivables" on page 75 This section describes the services available on the Payments & Receivables menu. To access help, click the Help link within the services. "Investments and Trading Products" on page 85 This section describes the services available on the Investment & Trading Products menu. To access help, click the Help link within the services. "Administration and Preferences" on page 87 This section describes the services available on the Administration & Preferences menu. It describes viewing your own user profile and viewing reports. It also describes tasks that are relevant for administrators only, such as managing your company profile, users, and approvals. "Solutions and Resources" on page 208 This section describes the services available on the Solutions & Resources menu. To access help, click the Help link within the services. This Getting Started section includes the following subsections. Click any link to open the corresponding topic. ONLINE BANKING FOR BUSINESS USER GUIDE PAGE 5

6 GETTING STARTED WITH ONLINE BANKING FOR BUSINESS TECHNICAL REQUIREMENTS 7 TRUSTEER RAPPORT 8 LOGGING INTO ONLINE BANKING FOR BUSINESS 9 RESETTING A FORGOTTEN PASSWORD 10 SETTING UP A SECURID SOFT TOKEN ON YOUR COMPUTER 12 SETTING UP A SECURID SOFT TOKEN ON YOUR RIM BLACKBERRY SMARTPHONE 18 SECURID AUTHENTICATION WITH A PIN 23 ONLINE BANKING FOR BUSINESS AT A GLANCE 27 ONLINE BANKING FOR BUSINESS USER GUIDE PAGE 6

7 GETTING STARTED WITH ONLINE BANKING FOR BUSINESS TECHNICAL REQUIREMENTS TECHNICAL REQUIREMENTS The following browsers and system requirements are recommended for the best performance: Supported Browsers Internet Explorer 6, 7, 8 Minimum System Requirements 486/66-Mhz processor or higher (Pentium III Processor recommended) with a Windows based operating system (Windows Me, NT 4.0 with SP6a and higher, 2000, or XP). Encryption Online Banking for Business is a secure site requiring a higher level of encryption security than what you might have installed on your computer. Your browser must be enabled with 256-bit encryption in order to access the system. ONLINE BANKING FOR BUSINESS USER GUIDE PAGE 7

8 GETTING STARTED WITH ONLINE BANKING FOR BUSINESS TRUSTEER RAPPORT TRUSTEER RAPPORT Enhance your security by downloading Trusteer Rapport, a robust online fraud and identity theft protection solution, at no charge. Trusteer Rapport adds another layer of protection to your existing antivirus and firewall software by safeguarding the connection between the bank and your computer against common online threats. The software also verifies that you are accessing the banks's genuine Online Banking site and not a phishing website claiming to be the bank, and it will take less than a minute to download onto your PC. The software is now available for download from our genuine Online Banking sites login pages. Note: If you already have Trusteer Rapport security on your PC, you do not need to re-download the software to use it when you are banking online with the bank. The site will already be configured to be protected. For more information, or should you have any questions, please contact your Sales Representative. ONLINE BANKING FOR BUSINESS USER GUIDE PAGE 8

9 GETTING STARTED WITH ONLINE BANKING FOR BUSINESS LOGGING INTO ONLINE BANKING FOR BUSINESS LOGGING INTO ONLINE BANKING FOR BUSINESS Only entitled users are allowed to access Online Banking for Business by logging in. Note: Online Banking for Businessis available in both English and Canadian French. To view the French login page, click the Français link in the top right corner of the page. Your language setting for all other pages in Online Banking for Business is defined in your user profile. For details, see "Managing Your User Profile" on page 89. Recommendation: Install Trusteer Rapport. For details, see "Trusteer Rapport" on page 8. To log into Online Banking for Business: 1. In your Web browser, navigate to the Online Banking for Business website. 2. Enter the following information: In the Customer ID field, enter your company's ID. In the User ID field, enter the user ID assigned to you by the administrator. In the Password field, enter your password. If you are logging in for the first time, contact your administrator for your password. 3. Click the Sign in button. Your Home page opens. For details, see "Viewing Your Home Page" on page 34. Note: If you are required to authenticate using SecurID when you log into Online Banking for Business, the SecurID Challenge page opens instead of your Home page. For instructions on authenticating with SecurID, see "SecurID Authentication with a PIN" on page 23. Note: If you do not remember your password, click Forgot my password. The Self-Serve Password Reset page opens, where you can reset your password. For details, see "Resetting a Forgotten Password" on page 10. If you are not entitled to the self-serve password service, an error message is displayed. If this occurs, ask your administrator to reset your password. Note: After three consecutive unsuccessful login attempts, the system locks your user and password. If this happens, please ask your administrator to unlock your user and reset your password. ONLINE BANKING FOR BUSINESS USER GUIDE PAGE 9

10 GETTING STARTED WITH ONLINE BANKING FOR BUSINESS RESETTING A FORGOTTEN PASSWORD RESETTING A FORGOTTEN PASSWORD When you forget your password and cannot log into Online Banking for Business, you can reset it with a temporary password. Note: If you want to change your password when you are already logged into Online Banking for Business, you can do this on the User Profile page. For details, see "Managing Your User Profile" on page 89. To reset your password: 1. In the Online Banking for Business login page, click Forgot my password. The Forgot Password page opens. Note: If you are not entitled to the self-serve password reset service, a warning is displayed. If this occurs, please ask your administrator to reset your password. 2. Enter the following information: In the Customer ID field, enter your company's ID. In the User ID field, enter the user ID assigned to you by the administrator. In the field, enter the address on file for you at the bank. 3. Click Generate Temporary Password. The bank sends your temporary password to your address. This temporary password expires within approximately ten minutes. 4. Return to the Online Banking for Business login page and use this temporary password to log in. For details, see "Logging into Online Banking for Business" on page After you log in, you are prompted to create a new, permanent, password. The Password Reset page opens. ONLINE BANKING FOR BUSINESS USER GUIDE PAGE 10

11 GETTING STARTED WITH ONLINE BANKING FOR BUSINESS RESETTING A FORGOTTEN PASSWORD 6. Type your new password in both fields. 7. Click Finish. Your password has been changed. If you require SecurID to log in, the SecurID Challenge page opens. For details, see "SecurID Authentication with a PIN" on page 23. Otherwise, your Home page opens. For details, see "Viewing Your Home Page" on page 34. Note: Clicking Cancel re-opens the Online Banking for Business login page, without changing your password. Note: You cannot exceed three unsuccessful attempts to reset your own password in a single day. If this happens, please ask your administrator to reset your password. ONLINE BANKING FOR BUSINESS USER GUIDE PAGE 11

12 GETTING STARTED WITH ONLINE BANKING FOR BUSINESS SETTING UP A SECURID SOFT TOKEN ON YOUR COMPUTER SETTING UP A SECURID SOFT TOKEN ON YOUR COMPUTER Setting up a SecurID token on your computer requires the following main steps: 1. Download the RSA SecurID software from the RSA website. For details, see "Downloading the RSA SecurID Software for Your Computer" on page Install the RSA SecurID software on your computer. For details, see "Installing the RSA SecurID Software on Your Computer" on page Import a software token for your computer. For details, see "Importing a Software Token for Your Computer" on page 15. Once you have completed this setup, you need to set up a new PIN. You can do this the first time you authenticate with SecurID. For details, see "SecurID Authentication When Setting Up a New PIN" on page 24. After you have set up a new PIN, you authenticate with SecurID as required, using your PIN. For details, see "SecurID Authentication with a PIN" on page 23. Note: For instructions on setting up a SecurID soft token on your RIM BlackBerry, see "Setting Up a SecurID Soft Token on Your RIM BlackBerry Smartphone" on page 18. Requirements RSA SecurID tokens are supported on the following operating systems: Microsoft Windows 2000 Professional (SP4 and later) Microsoft Windows XP Professional (SP2) Microsoft Windows Vista Business and Enterprise (32-bit only) Ensure that you have administrator privileges on your computer. Administrator privileges are required to install SecurID tokens. Note: If RSA SecurID Token 4.0 or 4.1 for Microsoft Windows is currently installed on your computer, then skip this procedure and follow the instructions to import a software token. For details, see "Importing a Software Token for Your Computer" on page 15. DOWNLOADING THE RSA SECURID SOFTWARE FOR YOUR COMPUTER Before you download the RSA SecurID software from the RSA website, make sure you have reviewed the requirements. For details, see "Setting Up a SecurID Soft Token on Your Computer" on page Open the page for the RSA SecurID Software Token for Microsoft Windows software on the RSA website: Note: The RSA website is external to BMO and is managed by RSA. 2. Follow instructions on the RSA website to download RSA SecurID Software Token for Microsoft Windows to support 128-bit (AES). Next, you need to install the software on this computer. For details, see "Installing the RSA SecurID Software on Your Computer" on page 13. ONLINE BANKING FOR BUSINESS USER GUIDE PAGE 12

13 GETTING STARTED WITH ONLINE BANKING FOR BUSINESS SETTING UP A SECURID SOFT TOKEN ON YOUR COMPUTER INSTALLING THE RSA SECURID SOFTWARE ON YOUR COMPUTER Before you can install the RSA SecurID software on your computer, you must download it from the RSA website. For details, see "Downloading the RSA SecurID Software for Your Computer" on page 12. For general information on setting up RSA SecurID software tokens, see "Setting Up a SecurID Soft Token on Your Computer" on page 12. Note: Detailed RSA documentation is included in the doc folder of the zip file you downloaded. 1. On your computer, unzip the file you downloaded from the RSA website. 2. Browse to the folder that contains the unzipped installation file, for example, RSASecurIDTokenXXX.msi, and double-click this file. The Install Wizard opens. 2. Click Next to begin the installation. 3. Click the appropriate radio button to select country where you ordered the software, and click Next. ONLINE BANKING FOR BUSINESS USER GUIDE PAGE 13

14 GETTING STARTED WITH ONLINE BANKING FOR BUSINESS SETTING UP A SECURID SOFT TOKEN ON YOUR COMPUTER 4. Click the appropriate radio button to accept the license agreement, and click Next. 5. Select the Typical setup type, choose Typical, and click Next. 6. In the Ready to install the Program dialog box, click Install. ONLINE BANKING FOR BUSINESS USER GUIDE PAGE 14

15 GETTING STARTED WITH ONLINE BANKING FOR BUSINESS SETTING UP A SECURID SOFT TOKEN ON YOUR COMPUTER 7. After the installation completes, click Finish. The RSA SecurID Token program is now installed, and RSA SecurID Token is displayed in the Start menu. Next, you need to import a software token for your computer. For details, see "Importing a Software Token for Your Computer" on page 15. IMPORTING A SOFTWARE TOKEN FOR YOUR COMPUTER Before you can import a software token for your computer, you must install it. For details, see "Installing the RSA SecurID Software on Your Computer" on page 13. For general information on setting up RSA SecurID software tokens, see "Setting Up a SecurID Soft Token on Your Computer" on page 12. Before you begin: ONLINE BANKING FOR BUSINESS USER GUIDE PAGE 15

16 GETTING STARTED WITH ONLINE BANKING FOR BUSINESS SETTING UP A SECURID SOFT TOKEN ON YOUR COMPUTER Acquire the file with the.sdtid extension from BMO Security Services. Acquire the Database Distribution Password for each token from BMO Security Services. You can import a software token either from an attachment or from a file saved on your computer. Importing a software token 1. If you are importing a software token from an attachment: a. Double-click the file attachment, for example token1.sdtid. b. When prompted to open or save the attachment, click Open. 2. If you are importing a software token from a file saved on your computer, click Start > Programs > RSA SecurID Token to start the RSA SecurID Token program. This program automatically detects token files that you saved either to Desktop or My Documents and imports them. 3. If prompted, enter the file password and click OK. 4. If prompted to select a device where the token will be stored, click the name of the device, for example, Local Hard drive (RSA). If the word "Enabled" is not displayed next to the device name, click the Enable button to activate the device. Click OK. A success message is displayed, and you are prompted to rename your token. 5. If you want to change the token name: a. Click Change Name. The Change Token Name screen opens. ONLINE BANKING FOR BUSINESS USER GUIDE PAGE 16

17 GETTING STARTED WITH ONLINE BANKING FOR BUSINESS SETTING UP A SECURID SOFT TOKEN ON YOUR COMPUTER b. Enter a name of between 1 and 24 characters, and click OK. 6. If you do not want to change the name, click OK to close the dialog box. Next, you can set up a PIN for your SecurID token. You can do this the first time you authenticate with SecurID. For details, see "SecurID Authentication When Setting Up a New PIN" on page 24. ONLINE BANKING FOR BUSINESS USER GUIDE PAGE 17

18 GETTING STARTED WITH ONLINE BANKING FOR BUSI- NESS SETTING UP A SECURID SOFT TOKEN ON YOUR RIM BLACKBERRY SMART- PHONE SETTING UP A SECURID SOFT TOKEN ON YOUR RIM BLACKBERRY SMARTPHONE Setting up a SecurID token on your computer requires the following main steps: 1. Verify that your computer and BlackBerry meet all the requirements described below. 2. Download the RSA SecurID software from the RSA website. For details, see "Downloading the RSA SecurID software for Your BlackBerry" on page Install the RSA SecurID software on your BlackBerry. For details, see "Installing a SecurID Soft Token on Your BlackBerry" on page Import a software token for your BlackBerry. For details, see "Importing a Software Token for Your BlackBerry" on page 20. Requirements Verify that your computer and BlackBerry have meet the following requirements before installing an RSA SecurID soft token: Your Blackberry must be running with RIM BlackBerry OS version 4.1 or higher. To find the OS version on your BlackBerry, select Options > About. Important: The import function does not work for RIM Blackberry OS version 4.5. BlackBerry Desktop Manager must be installed on your computer. Your BlackBerry must be connected to your computer. DOWNLOADING THE RSA SECURID SOFTWARE FOR YOUR BLACKBERRY Before you download the RSA SecurID software from the RSA website, make sure you have reviewed the requirements. For details, see "Setting Up a SecurID Soft Token on Your RIM BlackBerry Smartphone" on page Open the page for the RSA SecurID Software Token for Blackberry Smartphones software on the RSA website: Note: The RSA website is external to BMO and is managed by RSA. 2. Complete the RSA registration form and click Submit. 3. Click the zip file link, for example, bbxxx.zip, to download RSA SecurID Software Token for Blackberry Smartphones, and follow the instructions on the page. 4. Choose to save the zip file on your computer. Next, you need to install the software on this computer. For details, see "Installing a SecurID Soft Token on Your BlackBerry" on page 18. INSTALLING A SECURID SOFT TOKEN ON YOUR BLACKBERRY Before you can install the RSA SecurID software on your BlackBerry, you must download it from the RSA website. For details, see "Downloading the RSA SecurID software for Your BlackBerry" on page 18. For general information on setting up RSA SecurID software tokens, see "Setting Up a SecurID Soft Token on Your RIM BlackBerry Smartphone" on page 18. ONLINE BANKING FOR BUSINESS USER GUIDE PAGE 18

19 GETTING STARTED WITH ONLINE BANKING FOR BUSI- NESS SETTING UP A SECURID SOFT TOKEN ON YOUR RIM BLACKBERRY SMART- PHONE Note: Detailed RSA release notes are included in the zip file you downloaded. 1. On your computer, unzip the bbxxx.zip file you downloaded from the RSA website to a temporary location, for example: C:\Temp. 2. Browse to the folder that contains the unzipped installation file, and extract the SecurID.alx and SecurID.cod files to this temporary location. 3. Start the BlackBerry Desktop Manager, and double-click Application Loader. 4. The Application Loader Wizard is displayed. Click Next. 5. Click Add to add a new application. ONLINE BANKING FOR BUSINESS USER GUIDE PAGE 19

20 GETTING STARTED WITH ONLINE BANKING FOR BUSI- NESS SETTING UP A SECURID SOFT TOKEN ON YOUR RIM BLACKBERRY SMART- PHONE 6. The Open dialog box opens. Browse to the location on your computer where you extracted the SecurID.alx file, and click Open. 7. Verify that RSA SecurID is selected. If not, then select it. Click Next. 8. A summary window is displayed. Click Finish. 9. To start the RSA SecurID Token application on your BlackBerry, navigate to the Applications folder and click the RSA SecurID icon. 10. Read the license agreement. When you have finished, press the trackball and select Accept. Next, you need to import a software token for your BlackBerry. For details, see "Importing a Software Token for Your BlackBerry" on page 20. IMPORTING A SOFTWARE TOKEN FOR YOUR BLACKBERRY Before you can import a software token for your BlackBerry, you must install it. For details, see "Installing a SecurID Soft Token on Your BlackBerry" on page 18. ONLINE BANKING FOR BUSINESS USER GUIDE PAGE 20

21 GETTING STARTED WITH ONLINE BANKING FOR BUSI- NESS SETTING UP A SECURID SOFT TOKEN ON YOUR RIM BLACKBERRY SMART- PHONE For general information on setting up RSA SecurID software tokens, see "Setting Up a SecurID Soft Token on Your Computer" on page 12. Before you begin: Acquire the software token file with the.sdtid extension from BMO Security Services. Ensure that the filename has the prefix x-rimdevice. Otherwise, the RSA Soft Token Application does not recognize the file. For example, a valid filename is x-rimdevice sdtid. You can import a software token either from an attachment. Importing a software token 1. Open the with the attached software token file. 2. Scroll to the name of the attachment (for example, x-rimdevice sdtid). Click the trackball or the BlackBerry menu key. 3. Scroll to Import SecurID Token and click the Trackball or Enter. 4. Enter the password sent to you by from BMO Security Services. 5. When the success message is displayed, press OK. Note: It is a best practice to delete s related to the soft token files. Next, you can set up a PIN for your SecurID token. You can do this the first time you authenticate with SecurID. For details, see "SecurID Authentication When Setting Up a New PIN" on page 24. CHANGING THE PASSWORD FOR THE SECURID TOKEN ON YOUR BLACKBERRY You can change the password for the SecurID token on your BlackBerry. 1. On your BlackBerry, start the RSA SecurID Token application: Navigate to the Applications folder and click the RSA SecurID icon. ONLINE BANKING FOR BUSINESS USER GUIDE PAGE 21

22 GETTING STARTED WITH ONLINE BANKING FOR BUSI- NESS SETTING UP A SECURID SOFT TOKEN ON YOUR RIM BLACKBERRY SMART- PHONE 2. Press the trackball. 3. In the menu, select Manage Token. All available tokens are displayed on the screen. 4. Highlight the token for which you want to change the password, and press the trackball again. 5. In the menu, select Change Password, and enter the new password for your token. ONLINE BANKING FOR BUSINESS USER GUIDE PAGE 22

23 GETTING STARTED WITH ONLINE BANKING FOR BUSINESS SECURID AUTHENTICATION WITH A PIN SECURID AUTHENTICATION WITH A PIN You may be required to authenticate using SecurID when logging into Online Banking for Business or when using certain services. When you are required to authenticate with SecurID, the SecurID Challenge page opens. If you do not have a PIN yet, see "SecurID Authentication When Setting Up a New PIN" on page In the UserID field, your SecurID user ID is displayed. This is generally your <customer ID>_<user ID>. These are the same customer ID and user ID you use to log into Online Banking for Business. If necessary, you can change this information. 2. In the Passcode field, do one of the following: For a hardware token, type your PIN followed immediately by the tokencode displayed on your token. This is called your passcode. For example, if your PIN is and your tokencode is , you type your passcode, which is: For a software token on your computer, select Start > Programs > RSA SecurID Token to start RSA SecurID Token. Type the eight-digit passcode displayed by the token. For example, if your passcode is , you type: Note: Your must enter your PIN in the software token before it displays the passcode. For a software token on your BlackBerry Smartphone, navigate on your BlackBerry and click the RSA Application icon. Press the trackball. In the menu, select Re-enter PIN. Enter the PIN you created when you set up your PIN in Online Banking for Business. The BlackBerry displays a new passcode. In the Passcode field in Online Banking for Business, type the passcode displayed on your BlackBerry. Note: Do not use a tokencode that you entered previously. If necessary, wait until the tokencode changes so that you can enter a new tokencode. 3. Click Continue. The bank authenticates your SecurID. ONLINE BANKING FOR BUSINESS USER GUIDE PAGE 23

24 GETTING STARTED WITH ONLINE BANKING FOR BUSINESS SECURID AUTHENTICATION WITH A PIN If you are trying to log into Online Banking for Business, then your Home page opens. If you are trying to use a service or feature in a service that requires SecurID, then the corresponding page opens. For more information about SecurID, including administrative functions, see "Managing SecurID Tokens" on page 132. SECURID AUTHENTICATION WHEN SETTING UP A NEW PIN You may be required to authenticate using SecurID when logging into Online Banking for Business or when using certain services. When you use SecurID for the first time, or when your SecurID token is reset to new PIN mode, you must set up a new PIN for it. If you already have a PIN for your SecurID token, see "SecurID Authentication with a PIN" on page 23. Note: If you have a SecurID soft token, you must set it up before you can set up a PIN for it. For instructions, see "Setting Up a SecurID Soft Token on Your Computer" on page 12 or "Setting Up a SecurID Soft Token on Your RIM BlackBerry Smartphone" on page 18. When you are required to authenticate with SecurID, the SecurID Challenge page opens. 1. In the UserID field, your SecurID user ID is displayed. This is generally your <customer ID>_<user ID>. These are the same customer ID and user ID you use to log into Online Banking for Business. If necessary, you can change this information. 2. In the Passcode field, do one of the following: For a hardware token, enter only the tokencode. For example, if your token code is , you type: Note: Do not use a tokencode that you entered previously. If necessary, wait until the tokencode changes so that you can enter a new tokencode. For a software token on your computer, select Start > Programs > RSA SecurID Token to start RSA SecurID Token. Type the eight-digit tokencode displayed by the token. For example, if your tokencode is , you type: Note: The software token displays the tokencode when you click the arrow in the Options box without entering a PIN. ONLINE BANKING FOR BUSINESS USER GUIDE PAGE 24

25 GETTING STARTED WITH ONLINE BANKING FOR BUSINESS SECURID AUTHENTICATION WITH A PIN Note: Do not use a tokencode that you entered previously. If necessary, wait until the tokencode changes so that you can enter a new tokencode. For a software token on your BlackBerry Smartphone, navigate on your BlackBerry and click the RSA Application icon. The Enter PIN prompt is displayed. Enter 0000on your BlackBerry and click the Enter key. The passcode is displayed on your BlackBerry. In the Passcode field in Online Banking for Business, type the passcode displayed on your BlackBerry. 3. Click Finish. The bank authenticates your SecurID. The SecurID PIN Setup page opens. 4. Enter and re-enter your new PIN. The PIN must be six characters long. For a hardware token or a software token for a computer, the PIN can include letters and numbers. For a software token for a BlackBerry Smartphone, the PIN can include only numbers. The first number cannot be zero (0). ONLINE BANKING FOR BUSINESS USER GUIDE PAGE 25

26 GETTING STARTED WITH ONLINE BANKING FOR BUSINESS SECURID AUTHENTICATION WITH A PIN 5. Click Finish to save your new PIN and return to the SecurID Challenge page, where you are prompted to log in with SecurID, using your passcode instead of your tokencode. For details, see "SecurID Authentication with a PIN" on page 23. For more information about SecurID, including administrative functions, see "Managing SecurID Tokens" on page 132. ONLINE BANKING FOR BUSINESS USER GUIDE PAGE 26

27 GETTING STARTED WITH ONLINE BANKING FOR BUSINESS ONLINE BANKING FOR BUSINESS AT A GLANCE ONLINE BANKING FOR BUSINESS AT A GLANCE Online Banking for Business is organized into the following categories: Home Account Information Payments & Receivables Investments & Trading Products Administration & Preferences Solutions & Resources For information on locating services within a category, see "Locating Your Services in Online Banking for Business" on page 27. Each category is represented by a tab across the top of your Home page when you log in. When you click a tab, the menu for the corresponding category is displayed. If a menu item is displayed in black, you are entitled to the corresponding service. If a menu item is displayed in gray, you are not entitled to the corresponding service. Note: If you are an administrator, click on the Alerts service when it is gray to register your company. For details, see "Alerts" on page 88. Aside from your Home page, which is described in "Viewing Your Home Page" on page 34, there are the following types of pages: "List Pages" on page 28 "View Pages" on page 33 "Create and Modify Pages" on page 32 LOCATING YOUR SERVICES IN ONLINE BANKING FOR BUSINESS The Online Banking for Business categories are represented by tabs across the top of your Home page after you log in. When you click a tab, the menu for the corresponding category is displayed. Use the table below to locate the categories for your services. Click a tab at the top of your Home page to access a category, and then click in the menu to access a service. Note: You can switch between tabs without losing your place. For example, if you are working in one tab and then switch to another tab, when you click the first tab again, Online Banking for Business"remembers" where you were. Note: Some services appear in multiple tabs. For example, File Transfer Facility appears in both Payments & Receivables and Account Information. Service Tab Account Information "Account Information" on page 71 Account Transfers "Payments and Receivables" on page 75 ACH (Automated Clearing House) "Payments and Receivables" on page 75 Alerts "Administration and Preferences" on page 87 ONLINE BANKING FOR BUSINESS USER GUIDE PAGE 27

28 GETTING STARTED WITH ONLINE BANKING FOR BUSINESS ONLINE BANKING FOR BUSINESS AT A GLANCE Service Tab "Solutions and Resources" on page 208 Balance Report "Account Information" on page 71 Book Transfer "Payments and Receivables" on page 75 Cash Concentration "Account Information" on page 71 Check Imaging "Payments and Receivables" on page 75 Cheque Imaging "Payments and Receivables" on page 75 DirectCheque/FACS "Account Information" on page 71 Electronic Funds Transfer "Payments and Receivables" on page 75 ERD (Electronic Reports Delivery) "Account Information" on page 71 estatements "Account Information" on page 71 File Transfer Facility "Payments and Receivables" on page 75 "Account Information" on page 71 Foreign Exchange "Investments and Trading Products" on page 85 Global "Payments and Receivables" on page 75 Lockbox Imaging "Payments and Receivables" on page 75 Manage Approvals "Administration and Preferences" on page 87 Company Profile "Administration and Preferences" on page 87 Manage Users "Administration and Preferences" on page 87 My Profile "Administration and Preferences" on page 87 Recon Management "Account Information" on page 71 "Payments and Receivables" on page 75 Reports* "Administration and Preferences" on page 87 Safekeeping "Investments and Trading Products" on page 85 Stop Payment "Payments and Receivables" on page 75 System Mail "Solutions and Resources" on page 208 Tax Payment "Payments and Receivables" on page 75 Web Image Retrieval "Account Information" on page 71 Wire Payment "Payments and Receivables" on page 75 Note about user access: Depending on your entitlements, you may not be able to view all services described here. LIST PAGES Many list pages open directly from a menu. For example, you open the Manage Users page by selecting Administration & Preferences > Manage Users from the menu. ONLINE BANKING FOR BUSINESS USER GUIDE PAGE 28

29 GETTING STARTED WITH ONLINE BANKING FOR BUSINESS ONLINE BANKING FOR BUSINESS AT A GLANCE List pages are the center of each Online Banking for Business service, and you use them to navigate within a service. What can you do on list pages? On most list pages, you use the search box to specify which items to display in the list. For descriptions of search criteria, refer to the help topic for a specific list page. For details about searching, see "Searching for Items in a List" on page 29. You can sort items on a list page to make it easier to locate a single item. For details, see "Sorting a List" on page 30. To close a list page, select another item from the menu. SEARCHING FOR ITEMS IN A LIST Online Banking for Business displays a search box for most list pages, so that you can filter the items displayed in a list. How do I use the Search box? Enter information in one or more fields (they are all optional) and click Search. All items that match the search criteria are displayed in the list below the search box. If you enter multiple search criteria, the results list displays only items that meet all search criteria. ONLINE BANKING FOR BUSINESS USER GUIDE PAGE 29

30 GETTING STARTED WITH ONLINE BANKING FOR BUSINESS ONLINE BANKING FOR BUSINESS AT A GLANCE How can I search with wildcards? The fields in search boxes have built-in wildcards at the beginning and the end of a string. This means that if you enter a group of characters, the system searches for all entries that contain that group of characters. Example: Suppose you enter "enter" in a search box when searching for an account name. The system retrieves all entries containing enter, such as Enterprise and Centerpoint. How can I search without wildcards? To search without wildcards, put double quotes around the search term. Example: Searching for "enter" retrieves only enter, not Enterprise or Centerpoint. In addition, any whitespace between the quotes is part of the search term. How many search results can I see? All search results are displayed. To view all the items, scroll down the page. SORTING A LIST You can sort items in a list by any column. To sort items in a list by any column, click the column heading. To reverse the sort order, click again in the column heading. ONLINE BANKING FOR BUSINESS USER GUIDE PAGE 30

31 GETTING STARTED WITH ONLINE BANKING FOR BUSINESS ONLINE BANKING FOR BUSINESS AT A GLANCE An arrow in the column heading indicates the sort order and which column is currently sorted. You cannot sort in the main Home page, but you can sort in all other pages. Note: When the My Balances section of the Home page is maximized, the default sort order is set by user preferences. EXPORTING DATA FROM A LIST On pages that you open directly from your Home page, you can export the data in the list to a file in one of the following formats: Format CSV PDF Description Comma-separated values in a text file. Opens in either a text editor or Microsoft Excel. Portable Document Format. Opens with Adobe Acrobat Reader. Online Banking for Business exports all items in the list, even if they are not currently displayed on the page. For example, if your search returns more than 50 items, then only the first 50 items are displayed until you continue scrolling down the page. Online Banking for Business exports only the items that are returned by your search results. If you sort a list before exporting the data, then Online Banking for Business exports the data in the sorted order. For information about sorting a list, see "Sorting a List" on page 30. ONLINE BANKING FOR BUSINESS USER GUIDE PAGE 31

32 GETTING STARTED WITH ONLINE BANKING FOR BUSINESS ONLINE BANKING FOR BUSINESS AT A GLANCE CREATE AND MODIFY PAGES Use the Create and Modify pages to create new information in Online Banking for Business and to modify existing information. After you create or modify information: You will not immediately see your changes implemented, because they are pending approval. A user with appropriate privileges must approve most changes before they are implemented. You return to a list page, where you can choose another item to view or modify. Note about mandatory fields: When you are creating a new item, some fields are mandatory. If you try to save the item before completing all mandatory fields, red instructions indicate the overlooked required fields. To close a Create or Modify page without saving your changes, click Cancel. ONLINE BANKING FOR BUSINESS USER GUIDE PAGE 32

33 GETTING STARTED WITH ONLINE BANKING FOR BUSINESS ONLINE BANKING FOR BUSINESS AT A GLANCE VIEW PAGES Use the View pages to view existing information in Online Banking for Business in read-only format. To close a View page, click Cancel or select another menu item. DATE FORMATS The date format in Online Banking for Business is determined by the country in your user profile: If Canada is specified in your user profile, the format is: DD-Mmm-YYYY. If U.S. is specified in your user profile, the format is: Mmm DD, YYYY. ONLINE BANKING FOR BUSINESS USER GUIDE PAGE 33

34 VIEWING YOUR HOME PAGE ONLINE BANKING FOR BUSINESS AT A GLANCE VIEWING YOUR HOME PAGE How do I get here? Your Home page opens when you log into the Online Banking for Business website, or when you click the Home tab after you have logged in. For information on logging in, see "Logging into Online Banking for Business" on page 9. What can I do here? Use your Home page to view important information at a glance. Your Home page includes the following sections: Login History, which displays the date, time, and status of your last seven login attempts. For details, see "Viewing Your Login History" on page 36. For information about the date format, see "Date Formats" on page 33. Bulletins, which displays all your messages. For details, see "Viewing Your Bulletins" on page 64. My Approval List, which displays all payment and admin items requiring your approval. For details, see "Viewing Your Pending Approvals" on page 59. My Alerts, which displays your alerts. For details, see "Viewing Your Alerts" on page 66. ONLINE BANKING FOR BUSINESS USER GUIDE PAGE 34

35 VIEWING YOUR HOME PAGE ONLINE BANKING FOR BUSINESS AT A GLANCE My Balances, which displays your deposit, credit, and investment account balances. For details, see "Viewing Your Account Balances" on page 37. Did you know?, which displays messages from the bank about existing services. Click the link for more information. Coming soon, which displays messages from the bank about new services. Click the link for more information. Note: Some of these sections may be empty, depending on your entitlements. What do the buttons do? You can perform the following actions in any section on your Home page: These changes are retained only for your current session. To refresh the information displayed in a section, click the Refresh button History section.. Not available in the Login To maximize any section, so that it is the only section displayed in the Home page, either: hover over the top right corner of a section so that the section menu button button, and select Maximize from the menu is displayed, click the or: hover over the bottom right corner of a section so that the View All button is displayed, and click the button Note: Additional features are available in the My Balances section when it is maximized. For details, see "Viewing Your Account Balances" on page 37. To return to the default view of the Home page when a section is maximized, click the Backbutton in the bottom right corner. To minimize any section, so that only the section title is displayed, hover over the top right corner so that the section menu button is displayed, click the button, and select Minimize from the menu. To restore a minimized or maximized section to its original size, hover over the top right corner so that the section menu button is displayed, click the button, and select Restore from the menu. To move a section up on the Home page, hover over the top right corner so that the section menu button is displayed, click the button, and select Move Up from the menu. Available only for the My Alerts, My Balances, and My Approval List sections. Not available if the section is already at the top of the Home page. To move a section down on the Home page, hover over the top right corner so that the section menu button is displayed, click the button, and select Move Down from the menu. Available only for the My Alerts, My Balances, and My Approval List sections. Not available if the section is already at the bottom of the Home page. To set your permanent preferences for the My Balances section when it is maximized, click Edit in that section. For details, see "Customizing the My Balances Section of Your Home Page" on page 53. ONLINE BANKING FOR BUSINESS USER GUIDE PAGE 35

36 VIEWING YOUR HOME PAGE VIEWING YOUR LOGIN HISTORY VIEWING YOUR LOGIN HISTORY How do I get here? The Login History section is displayed on your Home page. For details, see "Viewing Your Home Page" on page 34. What can I do here? The Login History section displays the following information about the last seven login attempts made with your user ID: Date of the login attempt. For information about the date format, see "Date Formats" on page 33. Time of the login attempt, displayed in the time zone specified in your user profile. For details, see "Managing Your User Profile" on page 89. Status, which indicates if the login attempt was successful or unsuccessful. Unsuccessful login attempts are displayed in red. Important: Scroll down to view all the login attempts; unsuccessful login attempts are displayed in red. If you do not recognize these login attempts, contact your administrator immediately. What do the links do? To minimize this section, so that only the section title is displayed, hover over the top right corner so that the section menu button is displayed, click the button, and select Minimize from the menu. To restore this section to its original size if it is minimized, hover over the top right corner so that the section menu button is displayed, click the button, and select Restore from the menu. ONLINE BANKING FOR BUSINESS USER GUIDE PAGE 36

37 VIEWING YOUR HOME PAGE VIEWING YOUR ACCOUNT BALANCES VIEWING YOUR ACCOUNT BALANCES How do I get here? The My Balances section is displayed on your Home page. For details, see "Viewing Your Home Page" on page 34. What can I do here? The My Balances section displays your accounts, organized in the following tabs: Deposit: This tab displays your deposit accounts, which are accounts with the following account types: Data Exchange Account (DXA) Demand Deposit Account (DDA) Foreign Currency Account (FCA) Investment: This tab displays your investment accounts, which are accounts with the Term Investments (INV) account type. Note: For accounts with multiple investments, this section displays only the investments that have not matured. If an account has no investments, a zero balance is displayed. Credit: This tab displays your credit accounts, which are accounts with the following account types: Credit card (CARDS) Line of Credit (LOC) Loan (LOAN) For information on troubleshooting this section, see "Troubleshooting the My Balances section" on page 70. ONLINE BANKING FOR BUSINESS USER GUIDE PAGE 37

38 VIEWING YOUR HOME PAGE VIEWING YOUR ACCOUNT BALANCES When the My Balances section is maximized, it displays additional information: What do the columns mean? This list displays the following information about each account: Column Account Account Name Type Currency Current Bal Available Previous Bal Prev Available Available Credit Statement Bal Last Updated Description Your account number. The account name. This may not be the same as the name stored in the source (book of record ) system. The first 40 characters of the account name are displayed. Displayed only when this section is maximized. One of the account types listed above. Displayed only when this section is maximized. The currency of the account. The current ledger balance. Negative balances are displayed in red. Not available for DXA and FCA account types. The current available balance. Available only for accounts in the Deposit tab. Displayed only when this section is maximized. The previous day closing ledger balance. Available only for accounts in the Deposit tab. The previous day closing available balance. Available only for accounts in the Deposit tab that are entitled to the Balance Report (US) service. Displayed only when this section is maximized. The current available credit. Available only for accounts in the Credit tab. Displayed only when this section is maximized. The last statement balance. Available only for corporate credit cards and line-of-credit accounts in the Credit tab. The latest time when all retrieved balances for this account were refreshed on your Home page. This information is not from the source system. Tip: To view the date when the retrieved balances were refreshed, hover over a Bal or Available column. The Total rows display the total balance for all accounts displayed in a tab, by currency. The column totals displayed in this row depend on the tab. What do the buttons and links do? To refresh currently displayed account balances, click the Refresh button. Note: To view the balance for a new account that has been added to your view, click the Home tab at the top left of the page or navigate to another page and then return to the Home page. ONLINE BANKING FOR BUSINESS USER GUIDE PAGE 38

39 VIEWING YOUR HOME PAGE VIEWING YOUR ACCOUNT BALANCES To view more information about an account balance, click the corresponding link in the Current Bal or Previous Bal column. The link is displayed as you hover over the balance. As you hover over the balance, the date the balance was updated is displayed. Note: Balances may not be displayed in both columns. For details, see the table above. If a balance is not currently available, the Balance Unavailable icon is displayed in the appropriate column. Note: For deposit accounts and credit accounts you see the associated transactions, whereas for investment accounts, you see the investment details. For more information about a corporate credit card balance, see "Viewing Your Corporate Credit Card Balance Details" on page 44. For more information about a current day balance for a deposit account, see "Viewing Your Current Day Balance Details for a Deposit Account" on page 40. For more information about a previous day balance for a deposit account, see "Viewing Your Previous Day Balance for a Deposit Account" on page 42. For more information about a loan account balance, see "Viewing Your Loan Balance Details" on page 47. For more information about a term investment balance, see "Viewing Your Investment Balance Details" on page 51. To permanently customize this section, so that your settings are saved past the current session, click Edit. For details, see "Customizing the My Balances Section of Your Home Page" on page 53. You can customize: the account categories (tabs) to display the currencies for which totals to display the accounts to display the column order in each tab To maximize this section, so that it is the only section displayed in the Home page, either: hover over the top right corner so that the section menu button Maximize from the menu is displayed, click the button, and select or: hover over the bottom right corner so that the View All button is displayed, and click the button To return to the default view of the Home page when this section is maximized, click Back in the bottom right corner. To minimize this section, so that only the section title is displayed, hover over the top right corner so that the section menu button is displayed, click the button, and select Minimize from the menu. To restore this section to its original size if it is minimized or maximized, hover over the top right corner so that the section menu button is displayed, click the button, and select Restore from the menu. To move this section up on the Home page, hover over the top right corner so that the section menu button is displayed, click the button, and select Move Up from the menu. Not available when this section is already at the top of the Home page. To move a section down on the Home page, hover over the top right corner so that the section menu button ONLINE BANKING FOR BUSINESS USER GUIDE PAGE 39

40 VIEWING YOUR HOME PAGE VIEWING YOUR ACCOUNT BALANCES is displayed, click the button, and select Move Down from the menu. Not available when this section is already at the bottom of the Home page. To temporarily resize a column, hover over the right side of the column to resize. The cursor is displayed as a brace. Click and drag the column border to its new position. Note: This setting is not retained if you navigate away from this page and then return. To temporarily change the column order, click and drag a column heading to its new location. Note: This setting is not retained if you navigate away from this page and then return. To hide or display columns, hover over the right side of a column header so that the column menu button is displayed. Click the button, select Columns from the menu: select the check boxes of the columns to display; clear the check boxes of the columns to hide. Note: This setting is not retained if you navigate away from this page and then return. To temporarily sort the list by any column, click the column heading. To reverse the sort order, click again in the column heading. An arrow in the column heading displays the sort order. Note: This setting is not retained if you navigate away from this page and then return. To export the information in this list, click CSV or PDF. For details, see "Exporting Data from a List" on page 31. Available only when this section is maximized. VIEWING YOUR CURRENT DAY BALANCE DETAILS FOR A DEPOSIT ACCOUNT How do I get here? The Balance Details Current Day page opens when you click a non-blank balance in the Current Bal or Avail Bal column for a deposit account in the Deposit tab of the My Balances section of your Home page. For details, see "Viewing Your Account Balances" on page 37. What can I do here? Use this page to view your current-day balance details of your deposit account. ONLINE BANKING FOR BUSINESS USER GUIDE PAGE 40

41 VIEWING YOUR HOME PAGE VIEWING YOUR ACCOUNT BALANCES Note: If you view this information early in the morning, this page may display balance information for the previous day instead of the current day. What do the fields mean? Account Overview Account Name The account name defined in the account profile. Note: This may be different from the name stored in the source system (book of record). Account Number Your account number. Account Type The Demand Deposit Account (DDA) account type, which is defined in the account profile. Note: This page is not available for the Data Exchange Account (DXA) and Foreign Currency Account (FCA) account types. Available Balance The current available balance. Note: This balance is refreshed when the page opens. It may be different from the balance displayed on your Home page. Current Balance The current ledger balance. It includes debits and credits that have been processed until this page opens. Note: This balance is refreshed when the page opens. It may be different from the balance displayed on your Home page. Currency The account currency, which is defined in the account profile. What does the list mean? Transactions This section displays the following information about transactions since your last statement: Posted The time the transaction was posted or processed, in HH:MM:SS AM/PM format. Value Date The value date of the transaction. If this is different from the current date, it is displayed in red. For information about the date format, see "Date Formats" on page 33. Description Debit The transaction description. Note: This field may display English or French, depending on the account setup. It is not translated. The decrease in cash position (including a credit reversal) from this transaction, posted on the current business day. ONLINE BANKING FOR BUSINESS USER GUIDE PAGE 41

42 VIEWING YOUR HOME PAGE VIEWING YOUR ACCOUNT BALANCES Credit The increase in cash position (including a debit reversal) from this transaction, posted on the current business day. What do the buttons and links do? To export the information in this list, click CSV or PDF. For details, see "Exporting Data from a List" on page 31. To return to the previous page, hover over the bottom right corner of the page so that the Back button is displayed, and click the button. If the previous page is the main Home page, see "Viewing Your Home Page" on page 34 for details. If the previous page is the maximized My Balances section, see "Viewing Your Account Balances" on page 37 for details. To open the My Reports page for accounts subscribed to the Account Information service, click the My Reports link. To open the Same Day Reports page for accounts subscribed to the Same Day Report in the Balance Report service, click the Same Day Reports link. VIEWING YOUR PREVIOUS DAY BALANCE FOR A DEPOSIT ACCOUNT How do I get here? The Balance Details Previous Day page opens when you click a non-blank balance in the Prev Day Bal column for a deposit account in the Deposit tab of the My Balances section of your Home page. For details, see "Viewing Your Account Balances" on page 37. What can I do here? Use this page to view your previous-day balance details of your deposit account. Note: If you view this information early in the morning, this page may display balance information for the day before the previous day. ONLINE BANKING FOR BUSINESS USER GUIDE PAGE 42

43 VIEWING YOUR HOME PAGE VIEWING YOUR ACCOUNT BALANCES What do the fields mean? Account Overview Account Name The account name defined in the account profile. Note: This may be different from the name stored in the source system (book of record). Account Number Your account number. Account Type One of the following account types, which is defined in the account profile: Currency Data Exchange Account (DXA) Demand Deposit Account (DDA) Foreign Currency Account (FCA) The account currency, which is defined in the account profile. Previous Day Balance The previous day closing ledger balance. Available only when the account is entitled to the Account Information service. Note: This balance is refreshed when the page opens. It may be different from the balance displayed on your Home page. Previous Day Available The previous day closing available balance. Available only when the account is entitled to the Previous Day Report in the Balance Report service. Note: This balance is refreshed when the page opens. It may be different from the balance displayed on your Home page. Currency The account currency. What does the list mean? Transactions This section displays the following information about transactions from the previous day in your account: Posted The date the transaction was posted. For information about the date format, see "Date Formats" on page 33. Value Date The value date of the transaction. If this is different from the posted date, it is displayed in red. For information about the date format, see "Date Formats" on page 33. Description The transaction description. Note: This field may display English or French, depending on the account setup. It is not translated. ONLINE BANKING FOR BUSINESS USER GUIDE PAGE 43

44 VIEWING YOUR HOME PAGE VIEWING YOUR ACCOUNT BALANCES Debit Credit The decrease in cash position (including a credit reversal) from this transaction, posted on the previous business day. The increase in cash position (including a debit reversal) from this transaction, posted on the previous business day. What do the buttons and links do? To export the information in this list, click CSV or PDF. For details, see "Exporting Data from a List" on page 31. To return to the previous page, hover over the bottom right corner of the page so that the Back button is displayed, and click the button. If the previous page is the main Home page, see "Viewing Your Home Page" on page 34 for details. If the previous page is the maximized My Balances section, see "Viewing Your Account Balances" on page 37 for details. To open the My Reports page for accounts subscribed to the Account Information service, click the My Reports link. To open the Previous Day Reports page for accounts subscribed to the Previous Day Report in the Balance Report service, click the Previous Day Reports link. VIEWING YOUR CORPORATE CREDIT CARD BALANCE DETAILS How do I get here? The Balance Details Corporate Card page opens when you click a non-blank balance in the Current Bal column for a credit-card account in the Credit tab of the My Balances section of your Home page. For details, see "Viewing Your Account Balances" on page 37. ONLINE BANKING FOR BUSINESS USER GUIDE PAGE 44

45 VIEWING YOUR HOME PAGE VIEWING YOUR ACCOUNT BALANCES What can I do here? Use this page to view the balance details of your corporate credit card. What do the fields mean? Account Overview This section displays the following information about your corporate credit card balance: Account Name The account name defined in the account profile. Note: This may be different from the name stored in the source system (book of record). Account Number Your account number. Account Type Corporate Card (CARDS). Credit Limit The credit limit for this account. Available Credit The credit available for this account. Current Balance The current balance for the account. Last Statement Date The date of the last statement. For information about the date format, see "Date Formats" on page 33. Last Statement Balance The balance on the last statement. Minimum Payment The minimum payment due on the due date, below. Due Date The payment due date. For information about the date format, see "Date Formats" on page 33. Last Payment The last payment recorded for the account and the date it was posted. For information about the date format, see "Date Formats" on page 33. Currency The card currency. What does the list mean? Transactions since last statement This section displays the following information about transactions since your last statement: The Posted tab displays confirmed transactions. The Pending tab displays authorized transactions that have not posted yet. ONLINE BANKING FOR BUSINESS USER GUIDE PAGE 45

46 VIEWING YOUR HOME PAGE VIEWING YOUR ACCOUNT BALANCES Posted The date the transaction is posted to the system. Available only for transactions in the Posted tab. For information about the date format, see "Date Formats" on page 33. Transaction Date The date the transaction was initiated by the merchant. For a payment, this is the date the payment is received at the bank. For information about the date format, see "Date Formats" on page 33. Description Debit Credit The transaction description. Note: This field may display English or French, depending on the account setup. It is not translated. An authorized and confirmed transaction resulting in a decrease in the available credit since the last statement. An authorized and confirmed transaction resulting in an increase in the available credit since the last statement. What do the buttons and links do? To export the information in this list, click CSV or PDF. For details, see "Exporting Data from a List" on page 31. To return to the previous page, hover over the bottom right corner of the page so that the Back button is displayed, and click the button. If the previous page is the main Home page, see "Viewing Your Home Page" on page 34 for details. If the previous page is the maximized My Balances section, see "Viewing Your Account Balances" on page 37 for details. ONLINE BANKING FOR BUSINESS USER GUIDE PAGE 46

47 VIEWING YOUR HOME PAGE VIEWING YOUR ACCOUNT BALANCES VIEWING YOUR LOAN BALANCE DETAILS How do I get here? The Balance Details Loan page opens when you click a non-blank balance in the Current Bal column for a loan account in the Credit tab of the My Balances section of your Home page. For details, see "Viewing Your Account Balances" on page 37. What can I do here? Use this page to view the details of your loan account. What do the fields mean? Account Overview This section displays the following information about your loan account: Account Name The account name defined in the account profile. Note: This may be different from the name stored in the source system (book of record). Account Number Your account number. Account Type Loan (LOAN). Loan Type The type of loan. This may be blank. Maturity Date The loan maturity date. This is based on the account setup in Online Banking for Business. For information about the date format, see "Date Formats" on page 33. Available Credit The credit available for this account. ONLINE BANKING FOR BUSINESS USER GUIDE PAGE 47

48 VIEWING YOUR HOME PAGE VIEWING YOUR ACCOUNT BALANCES Current Balance The current balance. Note: This balance is not refreshed when the page opens. It is the same as the balance displayed on your Home page. Authorized Limit Rate The original amount of the loan. The loan rate. Currency The account currency. What does the list mean? Transactions This section displays the following information about transactions since your last statement: Posted The time the transaction was posted, in the format: HH:MM:SS. Value Date The value date of the transaction. If this is different than the current date, it is displayed in red. For information about the date format, see "Date Formats" on page 33. Description Debit Credit The transaction description. Note: This field may display English or French, depending on the account setup. It is not translated. A transaction resulting in an increase in the amount of the loan, for example, a loan advance, posted on the current business day. A transaction resulting in a decrease in the amount of the loan, for example, a loan payment, posted on the current business day. What do the buttons and links do? To export the information in this list, click CSV or PDF. For details, see "Exporting Data from a List" on page 31. To return to the previous page, hover over the bottom right corner of the page so that the Back button is displayed, and click the button. If the previous page is the main Home page, see "Viewing Your Home Page" on page 34 for details. If the previous page is the maximized My Balances section, see "Viewing Your Account Balances" on page 37 for details. ONLINE BANKING FOR BUSINESS USER GUIDE PAGE 48

49 VIEWING YOUR HOME PAGE VIEWING YOUR ACCOUNT BALANCES VIEWING YOUR LINE-OF-CREDIT BALANCE DETAILS How do I get here? The Balance Details Line of Credit page opens when you click a non-blank balance in the Current Bal column for a line-of-credit (LOC) account in the Credit tab of the My Balances section of your Home page. For details, see "Viewing Your Account Balances" on page 37. What can I do here? Use this page to view the balance details of your line of credit. What do the fields mean? Account Overview This section displays the following information about your line of credit: Account Name The account name defined in the account profile. Note: This may be different from the name stored in the source system (book of record). Account Number Your account number. Account Type Line of Credit (LOC). Credit Limit The credit limit for this account. Available Credit The available credit for this account. ONLINE BANKING FOR BUSINESS USER GUIDE PAGE 49

50 VIEWING YOUR HOME PAGE VIEWING YOUR ACCOUNT BALANCES Current Balance The current balance for the account. Last Statement Date The date of the last statement. For information about the date format, see "Date Formats" on page 33. Last Statement Balance The last statement balance. Minimum Payment The minimum payment due on the due date, below. Due Date The payment due date. For information about the date format, see "Date Formats" on page 33. Last Payment The last payment recorded for the account and the date it was posted. For information about the date format, see "Date Formats" on page 33. Currency The account currency. What does the list mean? Transactions since last statement This section displays the following information about transactions since your last statement: Posted The Posted tab displays confirmed transactions. The Pending tab displays authorized transactions that have not posted yet. The date the transaction is or posted to the system. Available only for transactions in the Posted tab. For information about the date format, see "Date Formats" on page 33. Transaction Date The date of the transaction at the merchant. For a payment, this is the date the payment is received at the bank. For information about the date format, see "Date Formats" on page 33. Description Debit Credit The transaction description. Note: This field may display English or French, depending on the account setup. It is not translated. An authorized and confirmed transaction resulting in a decrease in the available credit since the last statement. An authorized and confirmed transaction resulting in an increase in the available credit since the last statement. What do the buttons and links do? To export the information in this list, click CSV or PDF. For details, see "Exporting Data from a List" on page ONLINE BANKING FOR BUSINESS USER GUIDE PAGE 50

51 VIEWING YOUR HOME PAGE VIEWING YOUR ACCOUNT BALANCES 31. To return to the previous page, hover over the bottom right corner of the page so that the Back button is displayed, and click the button. If the previous page is the main Home page, see "Viewing Your Home Page" on page 34 for details. If the previous page is the maximized My Balances section, see "Viewing Your Account Balances" on page 37 for details. VIEWING YOUR INVESTMENT BALANCE DETAILS How do I get here? The Balance Details Investments page opens when you click a non-blank balance in the Current Bal column for an investment account in the Investment tab of the My Balances section of your Home page. For details, see "Viewing Your Account Balances" on page 37. What can I do here? Use this page to view the details of your investment holdings. What do the fields mean? Account Overview This section displays the following information about your investment account: Account Name The account name defined in the account profile. Note: This may be different from the name stored in the source system (book of record). Account Number Your account number. Account Type Investment (INV). ONLINE BANKING FOR BUSINESS USER GUIDE PAGE 51

52 VIEWING YOUR HOME PAGE VIEWING YOUR ACCOUNT BALANCES Current Balance The current balance, which is principal plus accrued interest. Note: This balance is not refreshed when the page opens. It is the same as the balance displayed on your Home page. Currency The account currency. What does the list mean? Holdings This section displays the following information about your investment holdings: Number Displayed only for Canadian-domiciled holdings. Displayed only for accounts with multiple investments. Product Type The type of term investment. Displayed only for accounts with multiple investments. Issue Date The issue date of the investment. For information about the date format, see "Date Formats" on page 33. Maturity Date Rate The maturity date of the investment. For information about the date format, see "Date Formats" on page 33. The interest rate. Original Amount The principal amount invested. Current Value The current value of the investment, which is principal plus interest. Disposition Principal disposition at maturity, which is one of the following: Roll over: Roll over to another term investment. DDA: Credit proceeds to a specified DDA. Cheque: Issue a cheque. Note: This field may be blank. What do the buttons and links do? To export the information in this list, click CSV or PDF. For details, see "Exporting Data from a List" on page 31. To return to the previous page, hover over the bottom right corner of the page so that the Back button is displayed, and click the button. If the previous page is the main Home page, see "Viewing Your Home Page" on page 34 for details. ONLINE BANKING FOR BUSINESS USER GUIDE PAGE 52

53 VIEWING YOUR HOME PAGE VIEWING YOUR ACCOUNT BALANCES If the previous page is the maximized My Balances section, see "Viewing Your Account Balances" on page 37 for details. CUSTOMIZING THE MY BALANCES SECTION OF YOUR HOME PAGE How do I get here? The My Balances Customize page opens when you click Edit in the My Balances section. What can I do here? Use the My Balances Customize page to customize the following elements in the My Balances section on your Home page, when it is maximized: which account categories to display which currency totals to display which columns to display for each account category which accounts to display These preferences are maintained until you change them again. They do not expire after the current session. Default View and Maximized View The default view displays limited account information and is displayed on your Home page, whereas the maximized view displays more detail and is displayed when you click View All in the default view or select Maximize from the section menu. When you customize your views, all changes are immediate and are reflected in your maximized view. Your default view, however, only reflects the following customizations: The first 10 or fewer accounts and the order in which they are displayed The account categories and the order in which they are displayed The currencies and the order in which they are displayed Deposit Accounts Column View Use this section to select which columns to display for deposit accounts displayed in the My Balances section of your Home page. Column Account # Account Name Description Your account number. This number is always displayed and cannot be removed from the Displayed column. The account name defined in the account profile. This may not be the same as the name stored in the source ONLINE BANKING FOR BUSINESS USER GUIDE PAGE 53

54 VIEWING YOUR HOME PAGE VIEWING YOUR ACCOUNT BALANCES Column Type Currency Current Balance Available Balance Previous Day Balance Previous Day Available Last Updated What do the buttons do? Description (book of record ) system. One of the following account types: Data Exchange Account (DXA), Demand Deposit Account (DDA). Foreign Currency Account (FCA). The currency of the account. The current ledger balance. The current available balance. The previous day closing ledger balance. Available only for accounts entitled to the Account Information service. The previous day closing available balance. Available only for accounts entitled to the Balance Report (US) service. The latest time when all retrieved balances for this account were refreshed on your Home page. This information is not from the source system. Use the sideways arrows to move columns for the Deposit tab between the Available and Displayed columns. Only the columns in the Displayed column will be displayed. Note: In some cases, a value in the Displayed column will not move to the Available column; these values are locked and restricted from display on the Home page. For example, the Account number. Use the up and down arrows to set the order of columns in the Deposit tab. Deposit Accounts Account View Use this section to select which deposit accounts to display in the My Balances section of your Home page. By default all accounts are displayed. What do the buttons do? Use the sideways arrows to move accounts for the Deposit tab between the Available and Displayed columns. Only the accounts in the Displayed column are displayed. Use the up and down arrows to set the order of accounts in the Deposit tab. ONLINE BANKING FOR BUSINESS USER GUIDE PAGE 54

55 VIEWING YOUR HOME PAGE VIEWING YOUR ACCOUNT BALANCES Credit Accounts Column View Use this section to select which columns to display for credit accounts displayed in the My Balances section of your Home page. Column Account # Account Name Type Currency Current Balance Available Credit Statement Balance Last Updated What do the buttons do? Description Your account number. This number is always displayed and cannot be removed from the Displayed column. The account name defined in the account profile.this may not be the same as the name stored in the source (book of record ) system. One of the following: Credit card (CARDS), Line of Credit (LOC), Loan (LOAN). The currency of the account. The current ledger balance. The current available credit. The last statement balance. Displayed only for corporate credit cards and line-of-credit accounts. The latest time when all retrieved balances for this account were refreshed on your Home page. This information is not from the source system. Use the sideways arrows to move columns for the Credit tab between the Available and Displayed columns. Only the columns in the Displayed column are displayed. Note: In some cases, a value in the Displayed column will not move to the Available column; these values are locked and restricted from display on the Home page. For example, the Account number. Use the up and down arrows to set the order of columns in the Credit tab. Credit Accounts Account View ONLINE BANKING FOR BUSINESS USER GUIDE PAGE 55

56 VIEWING YOUR HOME PAGE VIEWING YOUR ACCOUNT BALANCES Use this section to select which credit accounts to display in the My Balances section of your Home page. By default all accounts are displayed. What do the buttons do? Use the sideways arrows to move accounts for the Credit tab between the Available and Displayed columns. Only the accounts in the Displayed column are displayed. Use the up and down arrows to set the order of accounts in the Credit tab. Investment Accounts Column View Use this section to select which columns to display for investment accounts displayed in the My Balances section of your home page. Column Account # Account Name Type Currency Current Balance Last Updated What do the buttons do? Description Your account number. This number is always displayed and cannot be removed from the Displayed column. The account name defined in the account profile. This may not be the same as the name stored in the source (book of record ) system. Term Investments (INV). The currency of the account. The current ledger balance. The latest time when all retrieved balances for this account were refreshed on your Home page. This information is not from the source system. Use the sideways arrows to move columns for the Investment tab between the Available and Displayed columns. Only the columns in the Displayed column will be displayed. Note: In some cases, a value in the Displayed column will not move to the Available column; these values are locked and restricted from display on the Home page. For example, the Account number. Use the up and down arrows to set the order of columns in the Investment tab. ONLINE BANKING FOR BUSINESS USER GUIDE PAGE 56

57 VIEWING YOUR HOME PAGE VIEWING YOUR ACCOUNT BALANCES Investment Accounts Account View Use this section to select which investment accounts to display in the My Balances section of your Home page. By default all accounts are displayed. What do the buttons do? Use the sideways arrows to move accounts for the Investment tab between the Available and Displayed columns. Only the accounts in the Displayed column are displayed. Use the up and down arrows to set the order of accounts in the Investment tab. Category View Use this section to select which of the following account categories to display in the My Balances section of your Home page. credit accounts deposit accounts investment accounts What do the buttons do? Use the sideways arrows to move account categories between the Available and Displayed columns. Only the account categories in the Displayed column are displayed. Use the up and down arrows to set the order of the account categories. Each account category is displayed in a different tab. The first tab is displayed by default when you open your Home page. ONLINE BANKING FOR BUSINESS USER GUIDE PAGE 57

58 VIEWING YOUR HOME PAGE VIEWING YOUR ACCOUNT BALANCES Currency Totals Use this section to select which currency totals to display in the My Balances section of your Home page. Action Use the sideways arrows to move currency totals between the Available and Displayed columns. Only the currency totals in the Displayed column are displayed. Use the up and down arrows to set the order of currency totals to display. What do the buttons do? To select multiple rows, use the CTRL or SHIFT keys. To save your customizations on this page, click Save. To close this page without saving your customizations, click Cancel. ONLINE BANKING FOR BUSINESS USER GUIDE PAGE 58

59 VIEWING YOUR HOME PAGE VIEWING YOUR PENDING APPROVALS VIEWING YOUR PENDING APPROVALS How do I get here? The My Approval List section is displayed on your Home page. For details, see "Viewing Your Home Page" on page 34. What can I do here? The My Approval List section displays all items requiring your approval, organized in the Payments and Admin tabs. The Payments tab displays information about business activities requiring approval in the following services: ACH Batch ACH Template Recon Management Positive Pay Approval Report Recon Management Positive Pay Manual Issue/Void Approvals Wire Payment (Canada) Wire Templates Wire Payment (Canada) Wire Transactions Wire Payment (US) Drawdown account-level feature Wire Payment (US) Security Release Wire Payment (US) Template Approval Wire Payment (US) Wire Approval For each type of item requiring approval, the number of items requiring approval is also displayed. The total number of payment activities requiring approval is displayed in the tab header. When this section is maximized, this tab displays additional information about each item requiring approval. The Approvals Remaining column describes the number of remaining approvals required before the system executes ONLINE BANKING FOR BUSINESS USER GUIDE PAGE 59

60 VIEWING YOUR HOME PAGE VIEWING YOUR PENDING APPROVALS the action. The meaning of all other columns depends on the service in which the business activity requires approval, as described in the following table: Column/Service Business Activity Account/ Company ACH Batch company ID Recon Management Wire Payment (Canada) Wire Payment (US) Template Positive Pay Exceptions Positive Pay Manual Issues Positive Pay Manual Voids Wire Transactions Wire Templates Drawdown Template Approval Wire Approval company ID account number account number account number funding account funding account credit account sender account originating party account Date Currency Debit Credit Payee Type effective entry date effective creation date "USD" "USD" Transaction Summary Totals - debits Transaction Summary Totals - debits Transaction Summary Totals - credits Transaction Summary Totals - credits "Multiple" "Multiple" issue date "USD" paid amount n/a check number initial submission date initial submission date value date creation date "USD" "USD" amount, in payment currency payment currency monetary value of the check monetary value of the check "ACH Batch" "ACH Template" "Positive Pay - Exceptions" n/a n/a "Positive Pay - Issues" n/a n/a "Positive Pay - Voids" amount n/a beneficiary name template limit n/a beneficiary name send date currency n/a transfer amount creation date send date credit account name currency n/a n/a beneficiary account name account currency "Wire" "Wire Template" "Drawdown" "Wire Template" transfer amount n/a beneficiary "Wire" Note: Wire Payment (US) Security Release is an additional level of approval for the Drawdown and Wire Approval features in the Wire Payment (US) service. Therefore, for a Security Release item, the columns have the same meanings as either Drawdown or Wire Approval, depending on which one is relevant. Note: For information about the date formats, see "Date Formats" on page 33. ONLINE BANKING FOR BUSINESS USER GUIDE PAGE 60

61 VIEWING YOUR HOME PAGE VIEWING YOUR PENDING APPROVALS The Admin tab displays information about creating, modifying, and deleting users, which requires approval. The number of each type of item requiring approval is also displayed. The total number of admin activities requiring approval is displayed in the tab header. When this section is maximized, this tab displays the following information about each item requiring approval: Column Action Type ID Name Initiated On Initiated By Approvals Remaining Description The action to approve, either: create, modify, or delete. User User ID What do the buttons and links do? The name of the user. The date when the user was created, modified, or deleted. For information about the date format, see "Date Formats" on page 33. The name of the user who created, modified, or deleted the user. The number of remaining approvals before the action is executed. To retrieve any new business activities requiring approval that were not previously retrieved, and remove any items that not longer require approval, click the Refresh button. Note: A business activity may no longer require approval if it has already been approved or rejected by someone else. To approve an item, click it. The page for approving the corresponding business page opens, where you can approve the item. Clicking a Business Activity in this Service... ACH Batch ACH Template Recon Management Positive Pay Exceptions Recon Management Positive Pay Manual Issues Recon Management Positive Pay Manual Voids Opens this Page... ACH ACH Batch Approvals ACH Admin Template Approval Recon Management Exception Approval Recon Management Manual Issues Recon Management Manual Voids Users Approve User. For details, see "Approving Users" on page 200. Wire Payment (Canada) Wire Templates Wire Payment (Canada) Approve Templates ONLINE BANKING FOR BUSINESS USER GUIDE PAGE 61

62 VIEWING YOUR HOME PAGE VIEWING YOUR PENDING APPROVALS Clicking a Business Activity in this Service... Wire Payment (Canada) Wire Transactions Wire Payment (US) Drawdown account-level feature Wire Payment (US) Security Release Wire Payment (US) Template Approval Wire Payment (US) Wire Approval Opens this Page... Wire Payment (Canada) Approve Wire Transactions Wire Payment (US) Template Approval Wire Payment (US) Security Release Wire Payment (US) Template Approval Wire Payment (US) Wire Approval To maximize this section, so that it is the only section displayed in the Home page, either: hover over the top right corner so that the section menu button Maximize from the menu is displayed, click the button, and select or: hover over the bottom right corner so that the View All button is displayed, and click the button To return to the default view of the Home page when this section is maximized, click Back in the bottom right corner. To minimize this section, so that only the section title is displayed, hover over the top right corner so that the section menu button is displayed, click the button, and select Minimize from the menu. To restore this section to its original size if it is minimized or maximized, hover over the top right corner so that the section menu button is displayed, click the button, and select Restore from the menu. To move this section up on the Home page, hover over the top right corner so that the section menu button is displayed, click the button, and select Move Up from the menu. Not available when this section is already at the top of the Home page. To move a section down on the Home page, hover over the top right corner so that the section menu button is displayed, click the button, and select Move Down from the menu. Not available when this section is already at the bottom of the Home page. To export the information in this list, click CSV or PDF. For details, see "Exporting Data from a List" on page 31. Available only when this section is maximized. To temporarily resize a column, hover over the right side of the column to resize. The cursor is displayed as a brace. Click and drag the column border to its new position. Note: This setting is not retained if you navigate away from this page and then return. To temporarily change the column order, click and drag a column heading to its new location. Note: This setting is not retained if you navigate away from this page and then return. To hide or display columns, hover over the right side of a column header so that the column menu button is displayed. Click the button, select Columns from the menu: select the check boxes of the columns to display; clear the check boxes of the columns to hide. Note: This setting is not retained if you navigate away from this page and then return. ONLINE BANKING FOR BUSINESS USER GUIDE PAGE 62

63 VIEWING YOUR HOME PAGE VIEWING YOUR PENDING APPROVALS To temporarily sort the list by any column, click the column heading. To reverse the sort order, click again in the column heading. An arrow in the column heading displays the sort order. Note: This setting is not retained if you navigate away from this page and then return. ONLINE BANKING FOR BUSINESS USER GUIDE PAGE 63

64 VIEWING YOUR HOME PAGE VIEWING YOUR BULLETINS VIEWING YOUR BULLETINS How do I get here? The Bulletins section is displayed on your Home page. For details, see "Viewing Your Home Page" on page 34. What can I do here? The Bulletins section displays headlines of important messages that inform you of important information such as holiday processing, enhancements, and changes. When this section is maximized, it displays the subject and content of each bulletin. What do the buttons and links do? To refresh all displayed bulletins, click the Refresh button. To view an entire bulletin: Click the corresponding link when this section is not maximized. Maximize this section. To maximize this section, so that it is the only section displayed in the Home page, either: hover over the top right corner so that the section menu button Maximize from the menu is displayed, click the button, and select or: ONLINE BANKING FOR BUSINESS USER GUIDE PAGE 64

65 VIEWING YOUR HOME PAGE VIEWING YOUR BULLETINS hover over the bottom right corner so that the View All button is displayed, and click the button To return to the default view of the Home page when this section is maximized, click Back in the bottom right corner. To minimize this section, so that only the section title is displayed, hover over the top right corner so that the section menu button is displayed, click the button, and select Minimize from the menu. To restore this section to its original size if it is minimized or maximized, hover over the top right corner so that the section menu button is displayed, click the button, and select Restore from the menu. ONLINE BANKING FOR BUSINESS USER GUIDE PAGE 65

66 VIEWING YOUR HOME PAGE VIEWING YOUR ALERTS VIEWING YOUR ALERTS How do I get here? The My Alerts section is displayed on your Home page. For details, see "Viewing Your Home Page" on page 34. Note: If you are not entitled to view alerts, only the section title is displayed. What can I do here? The My Alerts section displays Wire Payment and Admin events that you subscribed to in the Alerts service. When this section is displayed alongside other sections on the Home page, it displays the alert event and the date and time when the system sent the alert. Alerts are displayed in this section for five days. When this section is maximized, this list displays the following information about each alert: Column Alert Event Alert Type Alert Name Alert Initiated Description The event that the alert describes: Incoming Wire Payment, Outgoing Wire Payment, Wire Payment Pending Approval, User Pending Approval, or User Locked. The module for which the alert is issued: Wire Payment or Administration. The detailed name for the alert, which you define in the Alerts service. The date and time when the system sent the alert. For information about the date format, see "Date Formats" on page 33. Note: Your settings in the Alerts Frequency section of the Alert Subscription Details page in the Alerts service determine the frequency at which an alert is sent, whether a reminder is sent, and the threshold for sending an alert about a specific account. An alert is displayed in bold if: ONLINE BANKING FOR BUSINESS USER GUIDE PAGE 66

67 VIEWING YOUR HOME PAGE VIEWING YOUR ALERTS You have not viewed the entire alert message. You mark it as unread. An alert is not displayed in bold if: You have viewed the entire alert message. You mark it as read. When this section is maximized, the number of unread alerts is displayed in red and in bold at the top of the section. Note: Both read and unread alert messages are automatically cleared from display five business days following the date the alert was initiated. What do the buttons and links do? To retrieve any new alerts not previously retrieved, click the Refresh button. To view an entire alert message: Click the corresponding link when this section is not maximized. Click the corresponding row when this section is maximized. The entire alert message, including the delivery status, is displayed in a pop-up window. To close this window after viewing the alert message, click Close. To clear selected alert messages, so that they are no longer displayed on the Home page, select the corresponding check boxes, hover over the top right corner of the so that the menu button is displayed. Click the button and select Clear Selected from the menu. Available only when this section is maximized. Note: You cannot clear any alerts if the Alerts service is not available. To clear all read alert messages, so that they are no longer displayed on the Home page, hover over the top right corner of the so that the menu button is displayed. Click the button and select Clear All Read from the menu. Available only when this section is maximized. Note: You cannot clear any alerts if the Alerts service is not available. To mark selected alert messages as read, select the corresponding check boxes, hover over the top right corner of the so that the menu button is displayed. Click the button and select Mark As Read from the menu. Available only when this section is maximized. To mark selected alert messages as read, select the corresponding check boxes, hover over the top right corner of the so that the menu button is displayed. Click the button and select Mark As Unread from the menu. Available only when this section is maximized. To export the information in this list, click CSV or PDF. For details, see "Exporting Data from a List" on page 31. Available only when this section is maximized. ONLINE BANKING FOR BUSINESS USER GUIDE PAGE 67

68 VIEWING YOUR HOME PAGE VIEWING YOUR ALERTS To maximize this section, so that it is the only section displayed in the Home page, either: hover over the top right corner so that the section menu button Maximize from the menu is displayed, click the button, and select or: hover over the bottom right corner so that the View All button is displayed, and click the button To return to the default view of the Home page when this section is maximized, click Back in the bottom right corner. To minimize this section, so that only the section title is displayed, hover over the top right corner so that the section menu button is displayed, click the button, and select Minimize from the menu. To restore this section to its original size if it is minimized or maximized, hover over the top right corner so that the section menu button is displayed, click the button, and select Restore from the menu. To temporarily resize a column, hover over the right side of the column to resize. The cursor is displayed as a brace. Click and drag the column border to its new position. Note: This setting is not retained if you navigate away from this page and then return. To temporarily change the column order, click and drag a column heading to its new location. Note: This setting is not retained if you navigate away from this page and then return. To hide or display columns, hover over the right side of a column header so that the column menu button is displayed. Click the button, select Columns from the menu: select the check boxes of the columns to display; clear the check boxes of the columns to hide. Note: This setting is not retained if you navigate away from this page and then return. To temporarily sort the list by any column, click the column heading. To reverse the sort order, click again in the column heading. An arrow in the column heading displays the sort order. Note: This setting is not retained if you navigate away from this page and then return. To move this section up on the Home page, hover over the top right corner so that the section menu button is displayed, click the button, and select Move Up from the menu. Not available when this section is already at the top of the Home page. To move a section down on the Home page, hover over the top right corner so that the section menu button is displayed, click the button, and select Move Down from the menu. Not available when this section is already at the bottom of the Home page. To mark selected alert messages as read, select the corresponding check boxes, hover over the top right corner of the so that the menu button is displayed. Click the button and select Mark As Read from the menu. Available only when this section is maximized. ONLINE BANKING FOR BUSINESS USER GUIDE PAGE 68

69 VIEWING YOUR HOME PAGE VIEWING YOUR ALERTS To mark selected alert messages as read, select the corresponding check boxes, hover over the top right corner of the so that the menu button is displayed. Click the button and select Mark As Unread from the menu. Available only when this section is maximized. ONLINE BANKING FOR BUSINESS USER GUIDE PAGE 69

70 VIEWING YOUR HOME PAGE TROUBLESHOOTING YOUR HOME PAGE TROUBLESHOOTING YOUR HOME PAGE How can you change the date format? The country in your user profile setup determines the date format that you see. For more information, see "Date Formats" on page 33. To change your setup, please contact your company administrator. Troubleshooting the My Balances section Which accounts can you view? / Why can't you see your accounts? To view accounts in this section: Your accounts must be entitled to the Account Information service, the Balance Report (US) service, or the Homepage Balances service. Only accounts that are entitled to these services are displayed in this section. You must be entitled to the Account Information service, the Balance Report service, or the Homepage Balances service as Use only or Both Admin and Use. In the Account Information service, you must be entitled to the Statement Report or the Reconciliation Report. In the Balance Report (US) service, you must be entitled to the Previous Day Report or the Same Day Report. In the Homepage Balances service, your company and you must be entitled to the accounts to view. To change your setup, please contact your company administrator. Why is an error message displayed instead of your account balance? Problem: When you click a link in the My Balances section of your Home page to view an account balance, an error message is displayed instead of the account balance. Explanation: If your permission to view an account is removed while you are viewing the Home page, an error message is displayed instead of the account balance. Why is my line-of-credit account balance not displayed? A line of credit can be associated with an access card, an account number, or both. If it is associated with both, the current balance is displayed only for one of the accounts. If you want to display the balance for the other account, ask your Online Banking for Business administrator to change your setup in the Homepage Balances service. Why is a balance not displayed for some of my accounts? If the balance unavailable icon is displayed in a balance column, this indicates that the corresponding account balance is not available from the source system. If a balance column is blank, then either: The corresponding balance is not relevant for this account. Your user setup does not permit you to view the balance for this account. To change your setup, please contact your company administrator. ONLINE BANKING FOR BUSINESS USER GUIDE PAGE 70

71 ACCOUNT INFORMATION ACCOUNT INFORMATION The Account Information page opens when you click the Account Information tab. The following services are available on this page: Account Info Balance Report Cash Concentration Details Online Cards Direct Cheque/FACS ERD E-statements For information on enrolling in estatements Canada, assigning contracts to users, and viewing estatements, see "estatements Canada" on page 72. File Transfer Facility Recon Management Web Image Retrieval For information on using these services, click the Help link within the service. ONLINE BANKING FOR BUSINESS USER GUIDE PAGE 71

72 ACCOUNT INFORMATION ESTATEMENTS CANADA ESTATEMENTS CANADA If you are a company administrator, you perform the following tasks to set up your company and users for estatements: 1. "Enrolling Your Company in estatements" on page "Entitling Users to estatements" on page "Assigning Contracts to Users in estatements" on page 73. After these steps are complete, users can view estatements, as described in "Viewing estatements" on page 73. ENROLLING YOUR COMPANY IN ESTATEMENTS The only statement currently available for estatements is the Global Treasury Management Compensation/Billing Statement. To enrol your company for this service, your company must have received at least one printed copy of this statement. 1. Select Account Information > estatements from the menu. 2. Click Enrol Now. 3. Print the estatements Enrolment Confirmation page. 4. Click OK. Now that the contract is enrolled, you must entitle users to this service. For details, see "Entitling Users to estatements" on page 72. For detailed information about a page, click the appropriate help icon ENTITLING USERS TO ESTATEMENTS on the page. Note: Make sure that you have enrolled your company for estatements before entitling users to estatements, as described below. For details, see "Enrolling Your Company in estatements" on page Select Administration & Preferences > Manage Users from the menu. 2. Either create a new user or modify an existing user. For details, see "Managing Users" on page Click the Expand button on the title bar to expand the Service Entitlements section of the Create User or Modify User page. 4. In the Services section, under the Canada column, select the estatements check box to entitle the user to this service. For details, see "Working with Service Entitlements" on page Click Save. Now that users are entitled to this service, you need to continue setting them up in estatements by assigning contracts to them. For details, see "Assigning Contracts to Users in estatements" on page 73. For detailed information about a page, click the appropriate help icon on the page. ONLINE BANKING FOR BUSINESS USER GUIDE PAGE 72

73 ACCOUNT INFORMATION ESTATEMENTS CANADA ASSIGNING CONTRACTS TO USERS IN ESTATEMENTS Note: Make sure that you have enrolled your company in estatements and entitled users to estatements before assigning contracts to users in estatements, as described below. For details, see "Enrolling Your Company in estatements" on page 72 and "Entitling Users to estatements" on page Select Account Information > estatements from the menu. 2. In the estatement Registration Details page, click Proceed. 3. Click the Administration tab and then select Users to display the list of users entitled to the estatements service. 4. Click Details beside a user to display that user profile. 5. Click the Access Groups tab on the right. This displays the available contracts. 6. Click the Expand icon to view all available contracts. 7. To assign a contract to the user, select the corresponding check box. 8. Repeat the previous step for each contract to assign to this user. 9. Click Add to display these contracts in the right column. 10. Click OK to save your changes. This reopens the User Details page. 11. For this user to receive notification when the statements are available, select the Receive Notifications check box. Note: You can also update your own profile for this alert as well. 12. If you want this user to have the Data Download role, then in the Roles & Functionality area, under the Available Roles and Functionality list, click Download to highlight it, and then click Add to move the Download role to the Selected Roles & Functionality list. Note: The Data Download role is a chargeable feature. 13. Make sure that the Disabled check box is cleared. 14. Click OK or Apply to save your setup. For detailed information about a page, click the appropriate help icon on the page. VIEWING ESTATEMENTS 1. Select Account Information > estatements from the menu. 2. If multiple Compensation Statements (Contracts) are displayed, use the paging controls at the bottom of the page. 3. If you prefer to search for a specific contract number enter the details required in the Search criteria section and click Search. 4. To change the sort order of your display, click on any column heading in the Results section. ONLINE BANKING FOR BUSINESS USER GUIDE PAGE 73

74 ACCOUNT INFORMATION ESTATEMENTS CANADA 5. To view a single contract, select the check box next to the contract and click View. 6. To view multiple contracts, select the corresponding check boxes and click View Selected. 7. To view all statements, select the check box to the left of the Contract Number in the Results section and click View Selected. All the statements are displayed in a single PDF file that can be either printed or downloaded. Note: If you want to download to CSV you must select only one contract at a time. 8. To download a statement in CSV format, click Download Data in the Results section. 9. Select one of the following options: Download all Statement Data Download a specific section of the statement. For detailed information about a page, click the appropriate help icon on the page. ONLINE BANKING FOR BUSINESS USER GUIDE PAGE 74

75 PAYMENTS AND RECEIVABLES PAYMENTS AND RECEIVABLES The Payments & Receivables page opens when you click the Payments & Receivables tab. The following services are available on this page: Account Transfer ACH Book Transfer Cheque Imaging Check Imaging Electronic Funds Transfer File Transfer Facility Wholesale Lockbox Imaging Lockbox Imaging Stop Payment Tax & Bill Payment Tax Payment Wire Payment For information on using these services, click the Help link within the service. Note: Administrators can manage the Tax & Bill Payment Payment Profile service. For information on setting up or modifying payment profiles and methods, see "Tax and Bill Payments" on page 76. ONLINE BANKING FOR BUSINESS USER GUIDE PAGE 75

76 PAYMENTS AND RECEIVABLES TAX AND BILL PAYMENTS TAX AND BILL PAYMENTS Users can perform the following tasks in the Tax and Bill Payments service: "Enrolling Your Company in Tax and Bill Payments" on page 76 "Managing Tax & Bill Payments" on page 79 "Paying Taxes and Bills" on page 83 ENROLLING YOUR COMPANY IN TAX AND BILL PAYMENTS To enrol your company for the Tax and Bill Payments service: 1. Select Payments & Receivables > Tax and Bill Payments from the menu. 2. Click Enrol now. The Tax Payment Agreement page opens. 3. Read the agreement and click I agree. The Enrol New Profile Payment page opens. 4. If desired, modify the payment profile information. Profile Name: The name for the profile. By default, this is the company name concatenated with the ID number, but you can change it. Contact Name: By default, this is pre-filled with the Admin user creating the profile, but you can change it. ONLINE BANKING FOR BUSINESS USER GUIDE PAGE 76

77 PAYMENTS AND RECEIVABLES TAX AND BILL PAYMENTS Time Zone: The time zone for the profile. After the profile has been created, you cannot change its time zone. Billing Language: The preferred language for billing. Select English or French. After the profile has been created, you cannot change its billing language. Transaction fees are included with your monthly billing statement in the selected language. Payment Approval Method: The payment approval method that applies to all the payment profiles for the customer. The default payment approval method is Method 1. Recommendation: If your company has only one tax filer, select Approval Method 1 Fixed Number of Approvers, with 0 approvers and a transaction limit of $99,999, Method 1: Fixed Number of Approvers. The company limit is set to $99,999, and cannot be modified. The company administrator can select 0, 1, 2, or 3 approvers below. An additional approver is always required if the payment amount exceeds the payment creator's transaction limit. Method 2: Payment Amount Method. The company administrator must specify a company limit greater than $0.00. The limit applies to individual payments only: there is no cumulative limit. The company administrator can select 0, 1, or 2 approvers below. An additional approver is always required if the payment amount exceeds the company limit, or if the payment amount exceeds the payment creator's transaction limit when the number of approvals is zero. Number of Approvals: The number of approvers required for a payment transaction. If this number is zero, then approval is not required except for the following scenario: An additional approver is always required if the payment amount exceeds the payment creator's transaction limit. Company Limit: If Method 2 was selected in the Payment approval method above, then specify the company limit. Note: Do not user commas to separate numeric values. For instance, enter ten thousand dollars as $10000 not as $10, Use proper punctuation for dollar and cent amounts. 5. Select the check boxes for the accounts to include in this payment profile. 6. Click Save. ONLINE BANKING FOR BUSINESS USER GUIDE PAGE 77

78 PAYMENTS AND RECEIVABLES TAX AND BILL PAYMENTS The Modify Profile Confirmation page opens. 7. Review the accounts in this page, and click OK. Note: Enrolling your company to the Tax and Bill Payments service automatically entitles you to this service. ONLINE BANKING FOR BUSINESS USER GUIDE PAGE 78

79 PAYMENTS AND RECEIVABLES MANAGING TAX & BILL PAYMENTS MANAGING TAX & BILL PAYMENTS How do I get here? The Manage Tax and Bill Payments page opens when you select Payments & Receivables > Tax & Bill Payments > Tax Pay Administration from the menu. What can I do here? Use this page to modify the payment approval method for your company, and set up or modify payment profiles and methods for the Tax & Bill Payment service for your company. For information on administering the tax payment service for individuals, see "Tax & Bill Payments User Service Entitlements" on page 192. Note: You can create up to 20 profiles for your company. What do the fields mean? Payment Approval Method This section is displayed only if at least one payment profile has already been created for your company. There is one payment approval method for your company. It applies to all payment profiles. Payment approval method The payment approval method that applies to all the payment profiles for the customer. The default payment approval method is Method 1. Recommendation: If your company has only one tax filer, select Approval Method 1 Fixed Number of Approvers, with 0 approvers and a transaction limit of $99,999, Method 1: Fixed Number of Approvers. The company limit is set to $99,999, and cannot be modified. The company administrator can select 0, 1, 2, or 3 approvers below. An additional approver is always required if the payment amount exceeds the payment creator's transaction limit. ONLINE BANKING FOR BUSINESS USER GUIDE PAGE 79

80 PAYMENTS AND RECEIVABLES MANAGING TAX & BILL PAYMENTS Method 2: Payment Amount Method. The company administrator must specify a company limit greater than $0.00. The limit applies to individual payments only: there is no cumulative limit. The company administrator can select 0, 1, or 2 approvers below. An additional approver is always required if the payment amount exceeds the company limit, or if the payment amount exceeds the payment creator's transaction limit when the number of approvals is zero. Number of approvals The number of approvers required for a payment transaction. If this number is zero, then approval is not required except for the following scenario: An additional approver is always required if the payment amount exceeds the payment creator's transaction limit. Company Limit If Method 2 was selected in the Payment approval method above, then specify the company limit. Note: Do not user commas to separate numeric values. For instance, enter ten thousand dollars as $10000 not as $10, Use proper punctuation for dollar and cent amounts. Payment Profile This section is displayed only if at least one payment profile has already been created for your company. Profile The profile ID number generated by the system when the profile is created. Profile name The name for the profile. What do the buttons do? To save changes to your company's payment approval method, click Modify in the section at the top of the page. To create a new payment profile, click Create Profile. For details, see "Creating a Payment Profile" on page 81. To modify an existing profile, select a profile and click Modify. For details, see "Modifying a Payment Profile" on page 82. To delete an existing profile, select the corresponding profile and click Delete. ONLINE BANKING FOR BUSINESS USER GUIDE PAGE 80

81 PAYMENTS AND RECEIVABLES MANAGING TAX & BILL PAYMENTS CREATING A PAYMENT PROFILE How do I get here? The Create Payment Profile page opens when you click Create Profile in the Manage Tax and Bill Payments page. What can I do here? Use this page to create a payment profile for the Tax & Bill Payments service. What do the fields mean? Profile name The name for the profile. By default, it is the company name concatenated with the ID number, but you can change it. Contact name By default, this contact is pre-filled with the Admin user ID creating the profile, but you can change it. This cannot be changed after the payment profile has been created. Time zone Select the province and time zone for the profile. This cannot be changed after the payment profile has been created. Billing language The preferred language for billing. Select English or French. Transaction fees are included with your monthly billing statement in the selected language. This cannot be changed after the payment profile has been created. Account list Select the check boxes for the accounts to assign to this payment profile. ONLINE BANKING FOR BUSINESS USER GUIDE PAGE 81

82 PAYMENTS AND RECEIVABLES MANAGING TAX & BILL PAYMENTS Column headings Account The account number. Available accounts are: DDA-CAD accounts with the debit attributes assigned to the Account Transfer service; DDA or CBD accounts with the debit attributes assigned to the Wire Payment (Canada) service. Account Name The account name. Account Type An account type. Only the DDA and CBD account types are supported for this service. Currency The currency for the account. Only CAD is supported for this service. What do the buttons do? To save this payment profile, click Save. To return to the Manage Tax and Bill Payments page without saving your changes, click Cancel. MODIFYING A PAYMENT PROFILE The Modify Payment Profile page opens when select a payment profile from the list in the Manage Tax and Bill Payments page and click Modify. For details, see "Managing Tax & Bill Payments" on page 79. What can I do here? Use this page to modify a payment profile for the Tax & Bill Payments service. What does the field mean? Profile name The name for the profile. By default, it is the company name concatenated with the ID number, but you can change it. Account list Select the check boxes for the accounts to assign to this payment profile. Clear the check boxes for the accounts to remove from this payment profile. ONLINE BANKING FOR BUSINESS USER GUIDE PAGE 82

83 PAYMENTS AND RECEIVABLES MANAGING TAX & BILL PAYMENTS Column headings Account The account number. Available accounts are: DDA-CAD accounts with the debit attributes assigned to the Account Transfer service; DDA or CBD accounts with the debit attributes assigned to the Wire Payment (Canada) service. Account Name The account name. Account Type An account type. Only the DDA and CBD account types are supported for this service. Currency The currency for the account. Only CAD is supported for this service. What do the buttons do? To save your changes to this payment profile, click Save. To return to the Manage Tax and Bill Payments page without saving your changes, click Cancel. PAYING TAXES AND BILLS How do I get here? The Tax & Bill Payments page opens when you select Payments & Receivables > Tax & Bill Payments > Pay Taxes & Bills from the menu. What can I do here? Use this page to pay your taxes and bills. For information on setup, see "Managing Tax & Bill Payments" on page 79. What does the table mean? The table displays all the payment profiles for your company. Profile Name The name for the profile. By default this is the customer name concatenated with the ID number. Profile ID The profile ID number generated by the system when the profile is created. ONLINE BANKING FOR BUSINESS USER GUIDE PAGE 83

84 PAYMENTS AND RECEIVABLES MANAGING TAX & BILL PAYMENTS What do the links in the Action column do? If you have not yet used this payment profile yet to pay taxes and bills, click Enable to complete your registration with the system. After a few sections, the Enable link changes to a Pay link. Not displayed for the administrator who created the payment profile, because that user's registration is already completed. To pay taxes and bills, click Pay. The Payment system opens in a new browser window. ONLINE BANKING FOR BUSINESS USER GUIDE PAGE 84

85 INVESTMENTS AND TRADING PRODUCTS INVESTMENTS AND TRADING PRODUCTS The Investments & Trading Products page opens when you click the Investments & Trading Products tab. The following services are available on this page: Safekeeping Foreign Exchange: For details, see "Foreign Exchange" on page 86. Trade Finance For information on using the Safekeeping and Trade Finance services, click the Help link within those services. For information on using these services, click the Help link within the service. ONLINE BANKING FOR BUSINESS USER GUIDE PAGE 85

86 INVESTMENTS AND TRADING PRODUCTS FOREIGN EXCHANGE FOREIGN EXCHANGE You can access the Foreign Exchange service from the Investments & Trading Products menu. For assistance, please call or Canada: or USA: or ONLINE BANKING FOR BUSINESS USER GUIDE PAGE 86

87 ADMINISTRATION AND PREFERENCES The Administration & Preferences page opens when you click the Administration & Preferences tab. The following services are available on this tab: Alerts For details, see "Alerts" on page 88 My Profile For details, see "Managing Your User Profile" on page 89. Manage Company Profile For details, see "Company Profile" on page 96. Manage Users For details, see "Managing Users" on page 130. Manage Approvals For details, see "Managing Approvals" on page 200. Audit Reports For details, see "Audit Reports" on page 205. ONLINE BANKING FOR BUSINESS USER GUIDE PAGE 87

88 ALERTS ALERTS You can access the Alerts service from either the Administration & Preferences menu or the Solutions & Resources menu. The first time you select Alerts from one of the above menus, the Register Alerts page opens. Click Register Now. The Alerts Registration Confirmation page opens, confirming that your company is registered for the Alerts service. Once you register, you can access the following menu items: Company Settings: Use this page to set up the domains where users can receive alerts. My Preferences: Each user can set delivery addresses and personal settings, such as time zone and suspending alerts while on vacation. My Subscriptions: Each user can view and modify alert subscriptions, and create new subscriptions. Create Subscriptions: Each user can create new alert subscriptions. Alert History: Use this page to view alerts that were sent to users. Reports: Use this page to generate reports about the Alerts service. For additional information on using the Alerts service: Click the Help links within this service for context-sensitive information. In the online help, open the corresponding help page and click the links to access the Alerts Customer Administrator Guide and the Alerts User Guide. These guides are PDF files that open in a new window, if Adobe Acrobat Reader or another PDF reader is installed. ONLINE BANKING FOR BUSINESS USER GUIDE PAGE 88

89 MANAGING YOUR USER PROFILE MANAGING YOUR USER PROFILE How do I get here? The My Profile page opens when you select Administration & Preferences > My Profile from the menu. What can I do here? Use this page to view and modify your user profile in Online Banking for Business. You can modify only the following information: the language in which Online Banking for Business is displayed for you the time zone that Online Banking for Businessdisplays for you your password To modify other information in your user profile, contact your administrator. A list of administrators is displayed in the Administrators section below. ONLINE BANKING FOR BUSINESS USER GUIDE PAGE 89

90 MANAGING YOUR USER PROFILE What do the fields mean? User ID The ID with which you log into the Online Banking for Business website. Minimum length is 4 characters. Not case sensitive. First name Your first name. Last name Status Your last name. The status of your user profile in Online Banking for Business. For a list and description of user statuses, see "User Statuses" on page 131. Creation date The date on which your user profile was created in Online Banking for Business. Administrator If this check box is selected, you can be assigned to administrator roles in subscribed services. Self-serve password reset If this check box is selected, you can reset your Online Banking for Business password from the login page, if you forget the original password. For details, see "Resetting a Forgotten Password" on page 10. Contact information These fields contain your contact information. Address line 1 The first line of your address. P.O. boxes are not allowed. Address line 2 City Country The second line of the address. P.O. boxes are not allowed. Your city. Maximum length is 40 characters. Your country. State/Province The state in the U.S., or the province in Canada. Postal code Phone For Canada, this is the postal code in the following format: A1B 2C3. For the U.S., this is the zip code in one of the following formats: or Maximum length is 20 characters. The phone number, which can include the phone extension number and the phone type, such as mobile. Your address. Maximum length is 100 characters. ONLINE BANKING FOR BUSINESS USER GUIDE PAGE 90

91 MANAGING YOUR USER PROFILE Fax The user's fax number. Maximum length is 25 characters. Language The language in which Online Banking for Business is displayed for you. You can select another language from the list. Note: You must log out and log in again for the displayed language to change. This change does not affect the language displayed in the login page or in some interfacing applications that may not support your language choice. Time zone Your time zone. This determines the time and date displayed in Online Banking for Business. You can select another time zone from the list. Change password Use this section to change your password. 1. Enter your current and new passwords in the specified fields. Note: Your password must include at least one case-sensitive alphabetical character. Your minimum password length and other password complexity settings are specified for your company. 2. Click Change. The confirmation page opens, displaying the following message: "Your password has been successfully changed." Administrative Privileges All admin functions If this check box is selected, you can access all administrative functions in this section, and all other check boxes in this section are selected. Password reset If this check box is selected, you can reset passwords for other users. For details, see "Managing Users" on page 130. SecurID management Profile If this check box is selected, you can manage SecurID tokens for other users. For details, see "Managing SecurID Tokens" on page 132. If the check boxes in these rows are selected, you can grant a user administrative privileges over the following types of profiles: Corporate User Company Profile Privileges If the check boxes in these columns are selected, you can grant a user the following types of privileges over the profiles listed above. These types of privileges determine the actions that this user can perform on the profiles. View Create ONLINE BANKING FOR BUSINESS USER GUIDE PAGE 91

92 MANAGING YOUR USER PROFILE Modify Delete Approve Reports If a check box in this section is selected, you can access the corresponding report. Administrators This section lists the names of your Online Banking for Business administrators. Hover over a name to view the and phone contact information for that administrator. To send an message to an administrator, click the link. Your default client opens, creating a new message to this administrator. Services This section displays the services that you can administer and assign to other users. What do the buttons do? To save your new password, enter the required information in the fields in the Change password section, and click Confirm & Change. To save changes to your language and time zone settings, click Finish. The system applies these changes the next time you log in. To view your settings for Online Banking for Business services, click Next. For details, see "Viewing Your Service Entitlements" on page 93. To your administrator, click a name in the Administrators section. To close this page without saving changes to your language and time zone settings, click Cancel. ONLINE BANKING FOR BUSINESS USER GUIDE PAGE 92

93 MANAGING YOUR USER PROFILE VIEWING YOUR SERVICE ENTITLEMENTS How do I get here? The My Profile Services page opens when you click Next on the My Profile page. For details, see "Managing Your User Profile" on page 89. What can I do here? Use this page to view your detailed service entitlements. For each service selected on the previous User Profile page that requires additional setup, there is a separate section on this page. By default, the first section is expanded, and any subsequent sections are collapsed. 1. Optional. View any section; see details below. If necessary, click the Expand button on a title bar to expand the corresponding section. 2. When you are done, do one of the following: To return to the User Profile page, click Previous. To close this page, click Cancel. The following sections may be displayed, depending on which services are listed on the previous View User page: ONLINE BANKING FOR BUSINESS USER GUIDE PAGE 93

94 MANAGING YOUR USER PROFILE Canada "Account Information User Service Entitlements" on page 156 "Account Transfer User Service Entitlements" on page 158 "Cheque Imaging User Service Entitlements" on page 174 "Direct Cheque/First Bank Automated Clearing Services User Service Entitlements" on page 175 "Electronic Funds Transfer User Service Entitlements" on page 177 "File Transfer Facility User Service Entitlements" on page 180 "Stop Payment (Canada) User Service Entitlements" on page 187 "Tax & Bill Payments User Service Entitlements" on page 192 "Wire Payment (Canada) User Service Entitlements" on page 193 US "ACH User Service Entitlements" on page 160 "Homepage Balances User Service Entitlements" on page 182 "Activity and XReports (Audit Reports) User Service Entitlements" on page 164 "Balance Report User Service Entitlements" on page 168 "Book Transfer User Service Entitlements" on page 171 "Cash Concentration User Service Entitlements" on page 172 "ERD User Service Entitlements" on page 179 "Lockbox Imaging, Retail User Service Entitlements" on page 183 "Recon Management User Service Entitlements" on page 184 "Safekeeping User Service Entitlements" on page 186 "Stop Payment (US) User Service Entitlements" on page 189 "System Mail User Service Entitlements" on page 191 "Wire Payment (US) User Service Entitlements" on page 197 Portal "Homepage Balances User Service Entitlements" on page 182 "Alerts User Service Entitlements" on page 165 ONLINE BANKING FOR BUSINESS USER GUIDE PAGE 94

95 SERVICE SETUP REQUIREMENTS SERVICE SETUP REQUIREMENTS Additional setup is required for the following services: Service Additional Administrator Setup Required For Company Users Groups* Account Information no yes yes Account Transfer no yes yes ACH no yes yes Activity and XReports no yes yes Alerts no yes yes Balance Report no yes yes Book Transfer no yes yes Cash Concentration yes yes yes Check Imaging no no no Cheque Imaging no yes yes DirectCheque/FACS no yes yes Electronic Funds Transfer no yes yes ERD no yes yes E-Statements (Canada) self-enroll yes yes E-Statements (US) no no no Europe no no no File Transfer Facility no yes yes Foreign Exchange n/a n/a n/a Homepage Balances no yes yes Wholesale Lockbox Imaging no no no Lockbox Imaging Retail no yes yes Lockbox Imaging Wholesale no no no Recon Management no yes yes Safekeeping no yes yes Stop Payment (Canada) no yes yes Stop Payment (US) no yes yes System Mail no yes yes Tax and Bill Payment self-enroll yes yes Tax Payment no no no Trade Finance n/a n/a n/a Web Image Retrieval no no no Wire Payment (Canada) no yes yes Wire Payment (US) no yes yes Note: Support for groups is coming soon! ONLINE BANKING FOR BUSINESS USER GUIDE PAGE 95

96 COMPANY PROFILE COMPANY PROFILE How do I get here? The Company Profile page opens when you select Administration & Preferences > Company Profile from the menu. What can I do here? After your company has been added to the system, you can update some elements of your profile. Use this page to update your Company Profile in Online Banking for Business. If you have update permission, you can change most of the preferences and security settings directly on this page but the rest of the sections are display only. If you want to update company profile, administrators, or services information, you must complete the Information Change Request Form. Depending on your job, there are different levels of privileges: View only Update Approve only ONLINE BANKING FOR BUSINESS USER GUIDE PAGE 96

97 COMPANY PROFILE What do the fields mean? Company Information Company Profile Customer ID A unique identification number automatically assigned to the customer by the system. Maximum length is 12 characters. Customer name The company name of the customer. Maximum length is 40 characters. Contact Information Address line 1 The first line of the company's address. Maximum length is 40 characters. P.O. boxes are not permitted. Address line 2 City Country The second line of the company's address. Maximum length is 40 characters. P.O. boxes are not permitted. The city in which the company is located. Maximum length is 40 characters. The country in which the company is located. State/Province The state or province in which the company is located. Postal code The postal code or zip code of the company. Primary contact The name of the primary contact for this company. Maximum length is 40 characters. Primary contact phone The phone number of the primary contact for this company. You can enter text and numbers; for example, Office: , x11. Maximum length is 25 characters. Primary contact The address of the primary contact for this company. Maximum length is 100 characters. Primary contact fax The fax number of the primary contact for this company. Maximum length is 25 characters. Preferences and Security Language The preferred language of the company. Select English or French. Note: Changing the language on the company profile does not cascade down to existing users. When creating a new user, the default language will be the same as the language indicated here. Time zone The company's time zone. ONLINE BANKING FOR BUSINESS USER GUIDE PAGE 97

98 COMPANY PROFILE Note: Changing the time zone on the company profile does not cascade down to existing users. When creating a new user, the default time zone will be the same as the time zone indicated here. Admin approvals The number of admin approvals required for administrative activities, for example creating user profiles. Options range from zero to three. Note: Depending on the number selected, the customer must have the appropriate number of administrators. For example, if this is set to 2, then there must be at least 3 administrators. SecurID at login required Indicates if by default new users require a SecurID token at login. Password reset approval required Indicates if admin approvals are required for password resets. If the value of Admin approvals is set to zero, then this check box is not available. Self serve password reset Indicates if corporate users can subscribe to the Self-Serve Password Reset service. SecurID PIN reset admin approvals Indicates if admin approvals are required for SecurID PIN resets. If the value of Admin approvals is set to zero, then this check box is not available. Force password change in X days The number of days a password exists before the system triggers the change password process for corporate users. Maximum length is 5 numbers. Password can be re-used after X password changes The number of password changes that are required before corporate users can repeat a previously used password. Maximum length is 12 numbers; minimum length is 3. Minimum password length The minimum number of characters permitted in a corporate user's password. Maximum length is 45 characters; minimum length is 6. Sessions timeout after X minutes user inactivity The amount of time the system keeps corporate users logged in when there is no activity. If a session times out, the corporate user must log back in. Maximum length is 120 minutes; minimum length is 15. Note: If users are logged into the system while the company profile is being updated, the new session timeout is applied the next time they log in. Password Complexity Settings Note: The password complexity changes are applied at the next password change. At least one case sensitive alpha character (A through Z) Indicates if at least one case sensitive alphabetic character is required in corporate-user passwords. This is always selected. At least one digit (0 through 9) Indicates if at least one number is required in corporate-user passwords. At least one non-alphanumeric character (e.g. punctuation mark, space) Indicates if at least one non-alphanumeric character is required in corporate-user passwords. ONLINE BANKING FOR BUSINESS USER GUIDE PAGE 98

99 COMPANY PROFILE Administrators This section lists the names of your Online Banking for Business administrators. Hover over a name to view the and phone contact information for that administrator. To send an message to an administrator, click the link. Your default client opens, creating a new message to this administrator. What do the buttons do? To request updates to company profile information you cannot change, click Request Update. The Information Change Request Form page opens. For details, see "Requesting Changes to Your Company Profile" on page 100. If you have administrator privileges to approve company profile updates, you can review, modify, or reject changes requested by others. To review pending changes, click Review Pending Changes. The Company Profile Review Pending Changes page opens. For more information, see "Reviewing Changes to Your Company Profile" on page 101. Note: If there are no changes to be reviewed and approved, this button is not available. To review your company setup for entitled services, click Next. For details, see "Viewing Your Company's Service Entitlements" on page 105. Note: On the next page you can also modify your company's Payment Profile for the Tax & Bill Payment service. For details, see "Managing Tax & Bill Payments" on page 79. To return to the previous page without saving changes, click Cancel. ONLINE BANKING FOR BUSINESS USER GUIDE PAGE 99

100 COMPANY PROFILE REQUESTING CHANGES TO YOUR COMPANY PROFILE How do I get here? The Information Change Request Form opens when you click Request Update in the Company Profile page, described in "Company Profile" on page 96 or the Service Entitlements page, described in "Viewing Your Company's Service Entitlements" on page 105. What can I do here? Use this form to describe specific information updates and them to the appropriate Help desk. The system sends the message to the address for the primary contact defined on the Company Profile page. Typically you will request contact information changes; however, there is an Additional change instructions area where you can write a message, requesting any updates you need. What do the buttons do? To save your information and view updates on the confirmation page, click Finish. To return to the previous page without saving changes, click Cancel. What do the fields mean? Company Information Customer name The company name. Maximum length is 40 characters. ONLINE BANKING FOR BUSINESS USER GUIDE PAGE 100

101 COMPANY PROFILE Contact Information Address line 1 The first line of the company's address. Maximum length is 40 characters. P.O. boxes are not permitted. Address line 2 City The second line of the company's address. Maximum length is 40 characters. This field is optional. P.O. boxes are not permitted. Country The city in which the company is located. Maximum length is 40 characters. The country in which the company is located. State/Province The state or province in which the company is located. You must select a country to complete this field. Postal code The postal code or zip code of the company. Contact Name Phone Fax The name of the primary contact for this company. Maximum length is 40 characters. The phone number of the primary contact for this company. You can enter text and numbers; for example, Office: , x11. Maximum length is 25 characters. The address of the primary contact for this company. Maximum length is 100 characters. The fax number of the primary contact for this company. Maximum length is 25 characters. Additional Information Additional Change Instructions Use this field to describe specific changes not covered in the fields provided above. Maximum length is 2000 characters. REVIEWING CHANGES TO YOUR COMPANY PROFILE How do I get here? The Company Profile Review Pending Changes page opens when you click Review Pending Changes on the Company Profile page. For details, see "Company Profile" on page 96. What can I do here? Use this page to modify, approve, or reject changes to company profile information. The system highlights the changes so that you can quickly find the updates. ONLINE BANKING FOR BUSINESS USER GUIDE PAGE 101

102 COMPANY PROFILE What do the fields mean? Company Information Company Profile Customer ID A unique identification number automatically assigned to the customer by the system. Maximum length is 12 characters. Customer name The company name of the customer. Maximum length is 40 characters. Contact Information Address line 1 The first line of the company's address. Maximum length is 40 characters. P.O. boxes are not permitted. Address line 2 City Country The second line of the company's address. Maximum length is 40 characters. P.O. boxes are not permitted. The city in which the company is located. Maximum length is 40 characters. The country in which the company is located. State/Province The state or province in which the company is located. Postal code The postal code or zip code of the company. Primary contact The name of the primary contact for this company. Maximum length is 40 characters. Primary contact phone The phone number of the primary contact for this company. You can enter text and numbers; for example, Office: , x11. Maximum length is 25 characters. Primary contact The address of the primary contact for this company. Maximum length is 100 characters. Primary contact fax The fax number of the primary contact for this company. Maximum length is 25 characters. Preferences and Security Language The preferred language of the company. Select English or French. Note: Changing the language on the company profile does not cascade down to existing users. When creating a new user, the default language will be the same as the language indicated here. Time zone The company's time zone. ONLINE BANKING FOR BUSINESS USER GUIDE PAGE 102

103 COMPANY PROFILE Note: Changing the time zone on the company profile does not cascade down to existing users. When creating a new user, the default time zone will be the same as the time zone indicated here. Admin approvals The number of admin approvals required for administrative activities, for example creating user profiles. Options range from zero to three. Note: Depending on the number selected, the customer must have the appropriate number of administrators. For example, if this is set to 2, then there must be at least 3 administrators. SecurID at login required Indicates if by default new users require a SecurID token at login. Password reset approval required Indicates if admin approvals are required for password resets. If the value of Admin approvals is set to zero, then this check box is not available. Self serve password reset Indicates if corporate users can subscribe to the Self-Serve Password Reset service. SecurID PIN reset admin approvals Indicates if admin approvals are required for SecurID PIN resets. If the value of Admin approvals is set to zero, then this check box is not available. Force password change in X days The number of days a password exists before the system triggers the change password process for corporate users. Maximum length is 5 numbers. Password can be re-used after X password changes The number of password changes that are required before corporate users can repeat a previously used password. Maximum length is 12 numbers; minimum length is 3. Minimum password length The minimum number of characters permitted in a corporate user's password. Maximum length is 45 characters; minimum length is 6. Sessions timeout after X minutes user inactivity The amount of time the system keeps corporate users logged in when there is no activity. If a session times out, the corporate user must log back in. Maximum length is 120 minutes; minimum length is 15. Note: If users are logged into the system while the company profile is being updated, the new session timeout is applied the next time they log in. Password Complexity Settings Note: The password complexity changes are applied at the next password change. At least one case sensitive alpha character (A through Z) Indicates if at least one case sensitive alphabetic character is required in corporate-user passwords. This is always selected. At least one digit (0 through 9) Indicates if at least one number is required in corporate-user passwords. At least one non-alphanumeric character (e.g. punctuation mark, space) Indicates if at least one non-alphanumeric character is required in corporate-user passwords. ONLINE BANKING FOR BUSINESS USER GUIDE PAGE 103

104 COMPANY PROFILE Administrators This section lists the names of your Online Banking for Business administrators. Hover over a name to view the and phone contact information for that administrator. To send an message to an administrator, click the link. Your default client opens, creating a new message to this administrator. What do the buttons do? To change someone else's updates, click Modify. The system takes you back to the Company Profile page, with their changes intact. For more information, see "Company Profile" on page 96. To approve someone else's changes and view updates on the confirmation page, click Approve. To reject someone else's changes and view the rejection confirmation page, click Reject. To return to the previous page without saving changes, click Cancel. ONLINE BANKING FOR BUSINESS USER GUIDE PAGE 104

105 VIEWING YOUR COMPANY'S SERVICE ENTITLEMENTS VIEWING YOUR COMPANY'S SERVICE ENTITLEMENTS How do I get here? The Service Entitlements page opens when you click Next on the Company Profile page. For details, see "Company Profile" on page 96. What can I do here? Use this page to view the service entitlements sections for your company. For each service selected on the previous Company Profile page that requires additional setup, there is a separate section on this page. By default, the first section is expanded, and any subsequent sections are collapsed. 1. Optional. View any section; see details below. If necessary, click the Expand button on a title bar to expand the corresponding section. 2. When you are done, do one of the following: To modify the payment profile in Tax Payment (Canada) for your company, click Modify. For details, see "Managing Tax & Bill Payments" on page 79. When you are done, click Save. To return to the Company Profile page, click Previous. To request updates to your company profile information you cannot change, click Request Update. The Information Change Request Form opens. For details, see "Requesting Changes to Your Company Profile" on page 100 If you have administrator privileges to approve company profile updates, you can review, modify, or reject changes requested by others. To review pending changes, click Review Pending Changes. The Company Profile Review Pending Changes page opens. For more information, see "Reviewing Changes to Your Company Profile" on page 101. ONLINE BANKING FOR BUSINESS USER GUIDE PAGE 105

106 VIEWING YOUR COMPANY'S SERVICE ENTITLEMENTS Note: If there are no changes to be reviewed and approved, this button is not available. To close this page, click Cancel. The following sections may be also displayed, depending on which services are selected on the previous Company Profile page. Canada US Portal "Account Information Company Service Entitlements" on page 107 "Account Transfer Company Service Entitlements" on page 108 "Cheque Imaging Company Service Entitlements" on page 117 "Stop Payment (Canada) Company Service Entitlements" on page 121 "Managing Tax & Bill Payments" on page 79 "Wire Payment (Canada) Company Service Entitlements" on page 123 "ACH Company Service Entitlements" on page 109 "Activity and XReports Company Service Entitlements" on page 112 "Balance Report Company Service Entitlements" on page 113 "Book Transfer Company Service Entitlements" on page 113 "Cash Concentration Company Service Entitlements" on page 114 "ERD Company Service Entitlements" on page 118 "Recon Management Company Service Entitlements" on page 119 "Stop Payment (US) Company Service Entitlements" on page 122 "System Mail Company Service Entitlements" on page 122 "Wire Payment (US) Company Service Entitlements" on page 126 "Homepage Balances Company Entitlements" on page 118 ONLINE BANKING FOR BUSINESS USER GUIDE PAGE 106

107 SERVICES WITH ADDITIONAL COMPANY SETUP SERVICES WITH ADDITIONAL COMPANY SETUP The following services in Online Banking for Business have additional setup for your company. Note: You can set up your own company for the Tax & Bill Payment service. Canada "Account Information Company Service Entitlements" on page 107 "Account Transfer Company Service Entitlements" on page 108 "Cheque Imaging Company Service Entitlements" on page 117 "Stop Payment (Canada) Company Service Entitlements" on page 121 "Managing Tax & Bill Payments" on page 79 "Wire Payment (Canada) Company Service Entitlements" on page 123 US "ACH Company Service Entitlements" on page 109 "Activity and XReports Company Service Entitlements" on page 112 "Balance Report Company Service Entitlements" on page 113 "Book Transfer Company Service Entitlements" on page 113 "Cash Concentration Company Service Entitlements" on page 114 "ERD Company Service Entitlements" on page 118 "Recon Management Company Service Entitlements" on page 119 "Stop Payment (US) Company Service Entitlements" on page 122 "System Mail Company Service Entitlements" on page 122 "Wire Payment (US) Company Service Entitlements" on page 126 Portal "Homepage Balances Company Entitlements" on page 118 ACCOUNT INFORMATION COMPANY SERVICE ENTITLEMENTS How do I get here? The Account Information section opens when you click the Expand button on the Account Information title bar in the Service Entitlements page. For details, see "Viewing Your Company's Service Entitlements" on page 105. ONLINE BANKING FOR BUSINESS USER GUIDE PAGE 107

108 SERVICES WITH ADDITIONAL COMPANY SETUP What can I do here? Use the Account Information section to view which accounts are entitled to the Account Information. Only these accounts are available to assign to corporate users, and available for display in their Home page in the My Balances section.. What does the field mean? Data retention Defines the number of days that the account information is kept in the system before it is purged. Options include 190 days or 1 or 2 years. What do the buttons do? To collapse this section, click the Collapse button. To expand this section, click the Expand button. ACCOUNT TRANSFER COMPANY SERVICE ENTITLEMENTS How do I get here? The Account Transfer section opens when you click the Expand button on the Account Transfer title bar in the Service Entitlements page. For details, see "Viewing Your Company's Service Entitlements" on page 105. What can I do here? Use the Account Transfer section to view which accounts are entitled to the Account Transfer service, including the cross border transfers, and your company settings. Only these accounts are available to assign to corporate users. ONLINE BANKING FOR BUSINESS USER GUIDE PAGE 108

109 SERVICES WITH ADDITIONAL COMPANY SETUP What do the fields mean? Data retention The number of days that the transfer information is stored in the system before it is purged. Read only. Daily cumulative limit: $ CAD The maximum total amount of Canadian dollars that can be transferred in a single day. The default value is 999,999,999, The maximum length is 12 digits before the decimal point and 2 digits after it. FX multi currency debit accounts When selected, the company can transfer money between accounts with different currency, for example from a CAD account to a USD account or from a USD account to a CAD account. Transfer input types and approval levels Freeform Indicates if freeform input is allowed and the number of approvals required for freeform transfers. If this check box is selected, the maximum value is 3 levels of approval. Template Indicates if template input is allowed and the number of approvals required for template transfers. If this check box is selected, the maximum value is 3 levels of approval. What do the buttons do? To collapse this section, click the Collapse button. To expand this section, click the Expand button. ACH COMPANY SERVICE ENTITLEMENTS How do I get here? The ACH section opens when you click the Expand button on the ACH title bar in the Service Entitlements page. For details, see "Viewing Your Company's Service Entitlements" on page 105. ONLINE BANKING FOR BUSINESS USER GUIDE PAGE 109

110 SERVICES WITH ADDITIONAL COMPANY SETUP What can I do here? Use the ACH section to view your company's approval settings, ACH companies, limits, transaction types, and offset accounts in the ACH (Automated Clearing House) service. What do the fields mean? Template approval default The default level of approval required for ACH templates for all companies. Supported values are: None: Approval is not required for ACH templates. Same User Required: Approval is required for ACH templates. The user who creates a template must approve it. Same User Allowed: Approval is required for ACH templates. Any qualified user can approve a template. Different User Required: Approval is required for ACH templates. The user who creates a template cannot approve it. F3X Foreign Exchange indicator Indicates if the customer can initiate international ACH transactions. ONLINE BANKING FOR BUSINESS USER GUIDE PAGE 110

111 SERVICES WITH ADDITIONAL COMPANY SETUP Companies and limits Overall company limits Indicates if overall company limits are used for batch activation and approval. If this check box is selected, use the Batch Activation $ Limit / Batch and Batch Approval $ Limit / Batch fields beside this check box to set the overall company limits. The fields in the corresponding columns in the table below are not available. If this check box is cleared, the fields to the right are disabled and the fields in the Companies and limits section are enabled so you can set different limits for each company. Batch Activation $ Limit / Batch The maximum dollar amount for customer batch activation for a single batch, for all combined companies, for a single effective entry date (EED). Maximum length is 12 digits before the decimal point and 2 digits after the decimal point. Available only if the Overall company limits check box on the left is selected. Batch Approval $ Limit / Batch The maximum dollar amount for customer batch approval for a single batch, for all combined companies, for a single effective entry date (EED). Maximum length is 12 digits before the decimal point and 2 digits after the decimal point. Available only if the Overall company limits check box on the left is selected. Column headings Note: If the check box in the column heading is selected, then all companies are selected. If a value is displayed in a column heading,, then that value is the same for all companies. Company ID The identifier for the ACH company. Maximum length is 10 digits. Company Name The name of the ACH company. Maximum length is 16 alphanumeric characters. Future Date Limit How far in the future a user from this company can manually change the effective date for a batch or a payment request. Supported values are 0 to 365. Approval The level of approval required to process an activated batch for this company. Supported values are: None: Approval is not required for batch activation. Same User Required: Approval is required for batch activation. The user who activates a batch must approve it. Same User Allowed: Approval is required for batch activation. Any qualified user can approve a template. Different User Required: Approval is required for batch activation. The user who activates a batch cannot approve it. Batch Activation $ Limit / Batch The maximum dollar amount for customer batch activation, for a single batch, for the company, for a single effective entry date (EED). Maximum length is 12 digits before the decimal point and 2 digits after the decimal point. Available only if the Overall company limits check box above is cleared. ONLINE BANKING FOR BUSINESS USER GUIDE PAGE 111

112 SERVICES WITH ADDITIONAL COMPANY SETUP Batch Approval $ Limit / Batch The maximum dollar amount for customer batch approval, for a single batch, for the company, for a single effective entry date (EED). Maximum length is 12 digits before the decimal point and 2 digits after the decimal point. Available only if the Overall company limits check box above is cleared. Transaction Types This section specifies which transaction types each ACH company can access Transaction Type Long Name The SEC (Standard Entry Class) code and the description of the code format for the transaction type. Short Name The SEC (Standard Entry Class) code and transaction type code format for the transaction type. Offset accounts If the transaction type code associated with an ACH company requires offset accounts, this specifies which offset accounts the ACH company can access. Account The account number of the offset account. Account name The name of the offset account. Currency The short name of the currency used for the offset account. For example, CAD or EUR. What do the buttons do? To collapse this section, click the Collapse button. To expand this section, click the Expand button. ACTIVITY AND XREPORTS COMPANY SERVICE ENTITLEMENTS How do I get here? The Activity and XReports section opens when you click the Expand button on the Activity and XReports title bar in the Service Entitlements page. For details, see "Viewing Your Company's Service Entitlements" on page 105. What can I do here? Use the Activity and XReports section to view which US-specific reports are available to corporate users when selecting Administration & Preferences > Audit Reports from the menu. Note: These reports are specific to services listed under the US column in the Services section of the company setup pages. They do not include information on other services entitled through Online Banking for Business. ONLINE BANKING FOR BUSINESS USER GUIDE PAGE 112

113 SERVICES WITH ADDITIONAL COMPANY SETUP What do the fields mean? All report functions Enables this bank user to access all reports, and automatically selects all other check boxes in this section. Activity Audit Report Indicates if the customer can access the User Activity Audit report. Service Entitlements Indicates if the customer can access the Service Entitlements report. What do the buttons do? To collapse this section, click the Collapse button. To expand this section, click the Expand button. BALANCE REPORT COMPANY SERVICE ENTITLEMENTS How do I get here? The Balance Report section opens when you click the Expand button on the Balance Report title bar in the Service Entitlements page. For details, see "Viewing Your Company's Service Entitlements" on page 105. What can I do here? Use the Balance Report section to view which accounts are entitled to the Balance Report service. Only these accounts are available to assign to corporate users, and available for display in their Home page in the My Balances section. What do the buttons do? To collapse this section, click the Collapse button. To expand this section, click the Expand button. BOOK TRANSFER COMPANY SERVICE ENTITLEMENTS How do I get here? The Book Transfer section opens when you click the Expand button on the Book Transfer title bar in the Service Entitlements page. For details, see "Viewing Your Company's Service Entitlements" on page 105. ONLINE BANKING FOR BUSINESS USER GUIDE PAGE 113

114 SERVICES WITH ADDITIONAL COMPANY SETUP What can I do here? Use the Book Transfer section to view which accounts are entitled to the Book Transfer service. Only these accounts are available to assign to corporate users. What do the buttons do? To collapse this section, click the Collapse button. To expand this section, click the Expand button. CASH CONCENTRATION COMPANY SERVICE ENTITLEMENTS How do I get here? The Cash Concentration section opens when you click the Expand button on the Cash Concentration title bar in the Service Entitlements page. For details, see "Viewing Your Company's Service Entitlements" on page 105. What can I do here? Use the Cash Concentration section to view your company's cash concentration company, division, and location setup for the Cash Concentration service. What do the fields mean? This section defines general information about the cash concentration company. ONLINE BANKING FOR BUSINESS USER GUIDE PAGE 114

115 SERVICES WITH ADDITIONAL COMPANY SETUP Enabled for input Indicates if company-level users can enter deposit debit amounts. This does not affect division-level or location-level users. Company number The unique number for this cash concentration company in the system. Company name The name of the cash concentration company. A company is the highest level of the corporate structure and refers to the corporate headquarters or parent company. Discretionary data Optional. The value of the Company Discretionary Data field in the ACH Batch Header Type 5 Records for this company. This field overrides the value in the Cash Concentration Settings service. Entry description Optional. The value of the Company Entry Description field in the ACH Batch Header Type 5 Records for this company. This field overrides the value in the Cash Concentration Settings service. Account list This section specifies which accounts are available to this cash concentration company in the Cash Concentration service. Account The account number used for cash concentration. Account name The name of the account used for cash concentration. Currency The short name of the currency used for the cash concentration company. For example, USD. Division This section defines information about a division in the cash concentration company. Enabled for input Indicates if division-level users can enter deposit debit amounts. This setting does not affect company-level and location-level users. Division number The unique number for this cash concentration division in the system. You cannot change this number after it is created. Division name The name of the cash concentration division. Batch company ID The cash concentration company ID associated with the batch. Note: When the system builds the cash concentration file, it sets the value in this field to the value in the Company field from the batch. Concentration bank ABA The ABA number for the concentration bank, which is the value of the Receiving DFI Identification and Check Digit fields in the ACH Detail Type 6 Credit Concentration Records for all ACH files. ONLINE BANKING FOR BUSINESS USER GUIDE PAGE 115

116 SERVICES WITH ADDITIONAL COMPANY SETUP Concentration account The account number of the concentration account. Concentration acct name The name of the concentration account. Location This section defines information about a location in the division in the cash concentration company. Company number The unique number for the cash concentration company to which this location belongs. Division number The unique number for the division to which this location belongs. Location number The unique number for this cash concentration location in the system. Location name The name of this cash concentration location. Enabled for input Indicates if location-level users can enter deposit debit amounts. This setting does not affect company-level and division-level users. Consolidate deposits Indicates if all entered deposits debit amounts with the same ABA and account are consolidated into one ACH debit transaction when the ACH file is generated at the cutoff time. If this check box is selected, the system consolidates the amounts into one transaction. If this check box is cleared, the system reports each amount as a separate transaction. Note: When there is a non-zero value in the Target amount field, below, this check box is automatically selected. Create Prenote Indicates whether a zero-dollar Prenote debit transaction is created to ensure that all prenotes precede any live items for the same account. If this check box is selected, the system creates a prenote transaction before any live items for the same account. If this check box is cleared, the system reports each amount as a separate transaction. Anticipatory amount Optional. The default amount that is used to create an ACH debit for locations that do not report a 6 deposit amount. Target amount The minimum amount for total deposit amounts for a location before the system generates an ACH Type Record. Note: When this field has a non-zero value, the Consolidate deposits check box, above, is automatically selected. ONLINE BANKING FOR BUSINESS USER GUIDE PAGE 116

117 SERVICES WITH ADDITIONAL COMPANY SETUP Debit bank ABA The nine-digit ABA number for the debit bank, which is the value of the Receiving DFI Identification and Check Digit fields in the ACH Detail Type 6 Debit Records for all ACH files for this location.. Debit account The account number of the debit account, which is the value of the DFI Account Number field in the ACH Detail Type 6 Debit Records for all ACH files for this location. Debit acct name The name of the debit account, which is the value of the Receiving Company Name field in the ACH Detail Type 6 Debit Records for all ACH files for this location. Debit account min The minimum amount the customer can enter for deposits. Debit account max The maximum amount the customer can enter for deposits. What do the buttons do? To collapse this section, click the Collapse button. To expand this section, click the Expand button. CHEQUE IMAGING COMPANY SERVICE ENTITLEMENTS How do I get here? The Cheque Imaging section opens when you click the Expand button details, see "Viewing Your Company's Service Entitlements" on page 105. on the Service Entitlements page. For What can I do here? Use the Cheque Imaging section to view which accounts are entitled to the Cheque Imaging service. Only these accounts are available to assign to corporate users. What do the buttons do? To collapse this section, click the Collapse button. To expand this section, click the Expand button. ONLINE BANKING FOR BUSINESS USER GUIDE PAGE 117

118 SERVICES WITH ADDITIONAL COMPANY SETUP ERD COMPANY SERVICE ENTITLEMENTS How do I get here? The ERD section opens when you click the Expand button on the ERD title bar in the Service Entitlements page. For details, see "Viewing Your Company's Service Entitlements" on page 105. What can I do here? Use the ERD section to view your company's report setup for the ERD (Electronic Reports Delivery) service. What do the fields mean? Code The short name or code that represents the full name of the report. For example, ADV for Advice Report. Name The full name of the report. TMA billing code The Treasury Management Association (TMA) code for charging the company for the report. Description The description of the TMA billing code. What do the buttons do? To collapse this section, click the Collapse button. To expand this section, click the Expand button. HOMEPAGE BALANCES COMPANY ENTITLEMENTS How do I get here? The Homepage Balances section opens when you click the Expand button on the Homepage Balances title bar in the Service Entitlements page. For details, see "Viewing Your Company's Service Entitlements" on page 105. ONLINE BANKING FOR BUSINESS USER GUIDE PAGE 118

119 SERVICES WITH ADDITIONAL COMPANY SETUP What can I do here? Use the Homepage Balances section to view which accounts can be displayed for your users in the My Balances section on the Home page. Only these accounts are available to assign to corporate users. Note: If a line-of-credit is associated with both an access card and an account number, the current balance is displayed for only one of these accounts in the My Balances section of the user s Home page. To display only one account in this scenario and hide the other, select or clear the check boxes accordingly. What do the buttons do? To collapse this section, click the Collapse button. To expand this section, click the Expand button. RECON MANAGEMENT COMPANY SERVICE ENTITLEMENTS How do I get here? The Recon Management section opens when you click the Expand button on the Recon Management title bar in the Service Entitlements page. For details, see "Viewing Your Company's Service Entitlements" on page 105. What can I do here? Use the Recon Management section to set up your company's approval requirements and check ranges for the Recon Management service. Only accounts set up for this service are available to assign to corporate users. ONLINE BANKING FOR BUSINESS USER GUIDE PAGE 119

120 SERVICES WITH ADDITIONAL COMPANY SETUP What do the columns mean? Select Account A selected account is entitled to the Recon Management service. Expand/Collapse buttons Click the Expand button account. Click the Collapse button account. to display the Check Ranges and Approval Requirements sections for an to collapse the Check Ranges and Approval Requirements sections for an Account The account number entitled to the Recon Management service. Account name The account name entitled to the Recon Management service. Currency The short name of the currency for the account entitled to the Recon Management service. For example, USD. What does the Check Ranges section do? Use this section to view check ranges for accounts for the Recon Management service. Start End Name The first check number for the range of checks for this account. The last check number for the range of checks for this account. The name of the check range for this account. What does the Approval Requirements section do? Use this section to set up approval requirements for accounts for exceptions, manual issues, and manual voids in the Recon Management service. Amount requiring 1 approval The minimum amount for which check reconciliation for this account requires only one approval. Note: A check with a lower amount does not require approval. Amount requiring 2 approvals The minimum amount for which check reconciliation for this account requires two approvals. Values can range from +1 to and a decimal point is not permitted. Note: The value in this field must be greater than the Amount requiring 1 approval value. If there is an amount in this field while the previous field is blank, then a check with a lower amount does not require approval, while a check with at least this amount requires two approvals. ONLINE BANKING FOR BUSINESS USER GUIDE PAGE 120

121 SERVICES WITH ADDITIONAL COMPANY SETUP What do the buttons do? To collapse this section, click the Collapse button. To expand this section, click the Expand button. STOP PAYMENT (CANADA) COMPANY SERVICE ENTITLEMENTS How do I get here? The Stop Payment (Canada) section opens when you click the Expand button on the Stop Payment (Canada) title bar in the Service Entitlements page. For details, see "Viewing Your Company's Service Entitlements" on page 105. What can I do here? Use the Stop Payment (Canada) section to view which accounts are entitled to the Stop Payment (Canada) service, and your company settings for this service. Only these accounts are available to assign to corporate users. What do the fields mean? Data retention The number of days that the stop-payment information is stored in the system before it is purged. Read only. Stop input types and approval levels Cancel stop Indicates if the cancel-stop function is allowed and the number of approvals required for canceling a stop payment. If this check box is selected, the maximum value is 3 levels of approval. Place stop Indicates if the place-stop function is allowed and the number of approvals required for placing a stop payment. If this check box is selected, the maximum value is 3 levels of approval. What do the buttons do? To collapse this section, click the Collapse button. To expand this section, click the Expand button. ONLINE BANKING FOR BUSINESS USER GUIDE PAGE 121

122 SERVICES WITH ADDITIONAL COMPANY SETUP STOP PAYMENT (US) COMPANY SERVICE ENTITLEMENTS How do I get here? The Stop Payment (US) section opens when you click the Expand button on the Stop Payment (US) title bar in the Service Entitlements page. For details, see "Viewing Your Company's Service Entitlements" on page 105. What can I do here? Use the Stop Payment (US) section to view which accounts are entitled to the Stop Payment (US) service. Only these accounts are available to assign to corporate users. What do the buttons do? To collapse this section, click the Collapse button. To expand this section, click the Expand button. SYSTEM MAIL COMPANY SERVICE ENTITLEMENTS How do I get here? The System Mail section opens when you click the Expand button on the System Mail title bar in the Service Entitlements page. For details, see "Viewing Your Company's Service Entitlements" on page 105. What can I do here? Use the System Mail section to view the recipients for the System Mail service for your company. The "default" recipient is all selected recipients. ONLINE BANKING FOR BUSINESS USER GUIDE PAGE 122

123 SERVICES WITH ADDITIONAL COMPANY SETUP What do the fields mean? User ID The user ID for the system mail recipient. First name The first name of the system mail recipient. Last name The last name of the system mail recipient. What do the buttons do? To collapse this section, click the Collapse button. To expand this section, click the Expand button. WIRE PAYMENT (CANADA) COMPANY SERVICE ENTITLEMENTS How do I get here? The Wire Payment (Canada) section opens when you click the Expand button on the Wire Payment (Canada) title bar in the Service Entitlements page. For details, see "Viewing Your Company's Service Entitlements" on page 105. ONLINE BANKING FOR BUSINESS USER GUIDE PAGE 123

124 SERVICES WITH ADDITIONAL COMPANY SETUP What can I do here? Use the Wire Payment (Canada) section to view the accounts entitled to the Wire Payment (Canada) service, and your company settings for this service. Only these accounts are available to assign to corporate users. What do the fields mean? Data retention Defines the number of days that the account information is kept in the system before it is purged. Options include 125 days or 1 or 2 years. Strong Authentication Required Indicates if strong authentication is required. If this selected, corporate users are required to authenticate with a SecurID token for certain wire functions, such as wire release. Wire customer type The type of wire customer. Select Financial or Non-financial. Non-financial customer types cannot create bankto-bank wires. Multi currency accounts Indicates if multiple currency accounts are permitted. Wire base currency The currency of the wire base. Select from the list of currencies. Note: The supported currencies are CAD and USD. ONLINE BANKING FOR BUSINESS USER GUIDE PAGE 124

125 SERVICES WITH ADDITIONAL COMPANY SETUP Customer choose foreign bank charges Indicates if the customer is permitted to choose foreign bank charges. SWIFT BIC The customer's Society of Worldwide Interbank Financial Telecommunications (SWIFT) Bank Identifier Code (BIC). LVTS-PCRN displayed Indicates if the LVTS-PCRN value is displayed. The LVTS value is a confirmation number assigned by LVTS (for Canadian dollar payments). Input types, approvals, and limits This section defines the input types for which this customer can create wires. If a specific input type is selected, select the corresponding levels of approval that are required for this type of input. Options are 0 to 9. If the approval level is 0, then approval is not required. Note: Non-financial customers cannot create bank-to-bank wires. Freeform Commercial: Indicates if this customer can create freeform wires for commercial transactions. Bank to Bank: Indicates if this customer can create freeform wires for bank-to-bank transactions. Customer Templates Commercial: Indicates if this customer can create customer templates for commercial transactions. Bank to Bank: Indicates if this customer can create customer templates for bank-to-bank transactions. Bank Templates Commercial: Indicates if this customer can create bank templates for commercial transactions. Bank to Bank: Indicates if this customer can create bank templates for bank-to-bank transactions. Wire template creation approval levels Customer templates Indicates if approval is required for the creation of customer templates. Options are 0 to 9. If the approval level is 0, then approval is not required. Bank templates Indicates if approval is required for the creation of bank templates. Options are 0 to 9. If the approval level is 0, then approval is not required. Entry limits These are the total values that can be entered in a single day for a customer. The default values, which are also the maximums, are 999,999,999,999. Daily cumulative limit: $ CAD The maximum total amount of Canadian dollars that can be entered in this service in a single day. Freeform transaction limit: $ CAD The maximum amount of Canadian dollars that can be entered in a freeform transaction. Repetitive transaction limit: $ CAD The maximum amount of Canadian dollars that can be entered in repetitive transactions. ONLINE BANKING FOR BUSINESS USER GUIDE PAGE 125

126 SERVICES WITH ADDITIONAL COMPANY SETUP Approval limits These are the total values that can be approved in a single day for a customer. The default values, which are also the maximums, are 999,999,999,999. Daily cumulative limit: $ CAD The maximum total amount of Canadian dollars that can be approved in this service in a single day. Freeform transaction limit: $ CAD The maximum amount of Canadian dollars that can be approved in a freeform transaction. Repetitive transaction limit: $ CAD The maximum amount of Canadian dollars that can be approved in repetitive transactions. Accounts This section specifies which accounts are available to this customer in this service. To select all accounts for this service, select the check box in the column header. What do the buttons do? To collapse this section, click the Collapse button. To expand this section, click the Expand button. WIRE PAYMENT (US) COMPANY SERVICE ENTITLEMENTS How do I get here? The Wire Payment (US) section opens when you click the Expand button on the Wire Payment (US) title bar in the Service Entitlements page. For details, see "Viewing Your Company's Service Entitlements" on page 105. ONLINE BANKING FOR BUSINESS USER GUIDE PAGE 126

127 SERVICES WITH ADDITIONAL COMPANY SETUP What can I do here? Use the Wire Payment (US) section to view your settings and approval requirements for accounts entitled to the Wire Payment (US) service. Only accounts set up for this service are available to assign to corporate users. What do the fields mean? Default settings for New Accounts Use this section to specify default settings to apply to new accounts. For column descriptions, see the following section. Customer Setup and Approval Requirements The list displays all accounts assigned to the company that are entitled to the Wire Payment (US) service. Column headings Select Account Indicates that this account is assigned to this service and customer administrators can edit and view its settings. Expand/Collapse buttons The expand/collapse buttons are displayed if Dynamic is specified in the Repetitive Wires or the Free-Form Wires column. ONLINE BANKING FOR BUSINESS USER GUIDE PAGE 127

128 SERVICES WITH ADDITIONAL COMPANY SETUP Click the Expand button to display the Dynamic Limits sections, where you specify the number of required approvers for each dollar-value range of repetitive or free-form wires. Click the Collapse button to collapse the Dynamic Limits sections. Account The account number used for wire payments. Currency The short name of the currency used for the account. For example, USD. Repetitive Wires The number of approvals required for repetitive wires. Options are 0, 1, or 2 approvers, or Dynamic, where the number of required approvals varies depending on the dollar-value of an individual wire payment. Note: If you select Dynamic, click the Expand button each dollar-value range of repetitive wires you create. in the second column from the left to specify the number of required approvers for Free-Form Wires The number of approvals required for free-form wires. Options are 0, 1, or 2 approvers, or Dynamic, where the number of required approvals varies depending on the dollar-value of an individual wire payment. Note: If you select Dynamic, click the Expand button each dollar-value range of free-form wires you create. in the second column from the left to specify the number of required approvers for Template Approval The number of approvals required when creating templates for wire payments. Options are 0, 1, or 2 approvers. Approvals Controlled By Indicates if the approvals are set globally for the customer or individually for accounts. Dynamic Limits sections These sections are displayed for an account only when the value in the Repetitive Wires or Free-Form Wires columns is Dynamic, and when you click the Expand button in the second column from the left. The section specifies the number of required approvers for each dollar-value range of free-form or repetitive wires. Approvals Low High The number of approvals required for the specified dollar-value range. The maximum permissible value for the lower limit. 15 digits maximum length, including decimal. The maximum permissible value is 9,999,999, The maximum permissible value for the upper limit. 15 digits maximum length, including decimal. The maximum permissible value is 9,999,999, Note: The number in the High column for a lower level of approval must always be less than the number in the Low column for the next level of approval, as illustrated in the example below. The difference between these values must be exactly ONLINE BANKING FOR BUSINESS USER GUIDE PAGE 128

129 SERVICES WITH ADDITIONAL COMPANY SETUP What do the buttons do? To expand the Dynamic Limits sections for an account, click the Expand is displayed only if the account has at least one dynamic approval limit. To collapse the Dynamic Limits sections for an account, click the Collapse button for an account. The button button for an account. To collapse this section, click the Collapse button. To expand this section, click the Expand button. ONLINE BANKING FOR BUSINESS USER GUIDE PAGE 129

130 MANAGING USERS MANAGING USERS How do I get here? The Manage Users page opens when you select Administration & Preferences > Manage Users from the menu. Initially, only the search section appears. Once you complete a search, the list below is populated and the additional buttons are displayed. What can I do here? Use the Manage Users page to search for existing users, and view, modify, lock or delete them. Based on your entitlements, you can also create new users and reset user passwords from this page. Note: You can create user profiles by copying the entitlements details from existing users. For more information, see below. What do the buttons do? To populate the list of users on the page, specify information in one or more fields in the search box and click Search. For details, see "Searching for Items in a List" on page 29. User ID: The system's unique identification number for the user. First Name:The first name of the user. Last Name: The last name of the user. Last modified by: The user ID of the person who last modified this user. Status: For a list and description of user statuses, see "User Statuses" on page 131. Locked: When selected, the search returns users that are locked. Pending Approval: When selected, the search returns users that are pending approval. Note: The search results do not display your own user profile. To view your own user profile, select Administration & Preferences > My Profile from the menu. For more information, see "Managing Your User Profile" on page 89. ONLINE BANKING FOR BUSINESS USER GUIDE PAGE 130

131 MANAGING USERS To create a user, click Create User. For details, see "Creating a User" on page 146. To create a new user by copying information and entitlements from an existing user, select the user to copy and click Copy User. The new user's information and entitlements are pre-populated and identical to the existing user's information, except that the User ID, First name, and Last name fields are blank. All populated fields are editable. For details, see "Creating a User" on page 146. (Displayed only when users are displayed in this page. Available only when a user is selected.) To reset a user's password to a randomly generated password, select the user and click Reset Password. A message box confirms that you want to reset the user's password. Click Reset to change the user's status to Active. If approval is not required, a temporary password is generated for this user and displayed at the top of this page. If approval is required, a temporary password is generated for this user and the status changes after approval. Note: For more information on setting approval requirements, see "Managing Approvals" on page 200. Note: The Reset Password button is available for the admin user only if it is enabled in the Service Entitlements section of the User page for that admin user. For details, see "Working with Service Entitlements" on page 152. To prevent a user from logging into Online Banking for Business, select the user and click Lock. A message box confirms that you want to lock the user. Click Lock to change the user's status to Locked. Note: Approval is not required to lock a user. However, approval is required to reset a locked user's status back to Active. To view additional information about a user, select the user and click View. For details, see "Viewing a User" on page 138. To modify user information, select the user and click Modify. For details, see "Modifying a User" on page 142. To delete a user, select the user and click Delete. A message box confirms that you want to delete the selected user. To delete the user, click OK. To view the history of changes to a user, select the user and click History. For details, see "Viewing the History of Changes to a User" on page 154. USER STATUSES Users can have the following statuses, which are displayed in the Status column of the Manage Users page: Status Active Inactive New Description A user who can log in and conduct business activities in the system. A user has Active status if created as an active user and after approval. Activating an inactive user requires approval. A user who cannot log in or conduct business activities in the system. Deactivating an active user changes the status to Inactive. This does not require approval. A user who cannot log in or conduct business activities in the system because setup is not complete or is pending approval. Icons in the Status column The following icons can be displayed in the Status column of the Manage Users page. Hover over the icon to display the reason. ONLINE BANKING FOR BUSINESS USER GUIDE PAGE 131

132 MANAGING USERS Icon Reason Description Creation Incomplete Pending Approval Modification Incomplete Admin Locked Inactivity Locked Password Locked User setup is not complete. User has New status. Note: Both icons can be simultaneously displayed for a single user. User setup, modification, or activation requires approval. User can have any status. User modification is not complete. User has Active or Inactive status. User is locked by an administrator. User has Inactive status. User is locked due to inactivity, because of inactivity in the system for the number of days specified in the system settings. User has Inactive status. User is locked because of three consecutive unsuccessful login attempts. To unlock the user, either the administrator must reset the user's password or the user must use the Self-Serve Password Reset service. User has Active or Inactive status. MANAGING SECURID TOKENS SecurID authentication is required to perform certain functions in the following services: Direct Cheque/FACS Electronic Funds Transfer File Transfer Facility Safekeeping Wire Payment SecurID authentication may also be required when certain users log in to Online Banking for Business. For information on logging in with SecurID, see "SecurID Authentication with a PIN" on page 23. For information on setting up a new PIN for a SecurID token, see "SecurID Authentication When Setting Up a New PIN" on page 24. For information on returning SecurID hardware tokens, see "Returning SecurID Hardware Tokens" on page 137. Administering SecurID tokens You can perform the following administrative actions on SecurID tokens in the User Profile section, SecurID Settings subsection, of the Modify User page. For details, see "Working with User Profiles" on page 149. "Ordering SecurID Tokens" on page 132 (also available on the Create User page) "Enabling SecurID Tokens" on page 133 "Disabling SecurID Tokens" on page 134 "Reassigning SecurID Hardware Tokens" on page 135 (also available on the Create User page) "Resetting SecurID Tokens to New PIN Mode" on page 136 Note: You cannot perform these actions for your own SecurID token. ORDERING SECURID TOKENS You can order a SecurID token for a user. Note: You do not need to enable a SecurID token unless it has been previously disabled: It is not part of the regular workflow to order a SecurID token for a user. Note: You cannot order a SecurID token for yourself. ONLINE BANKING FOR BUSINESS USER GUIDE PAGE 132

133 MANAGING USERS 1. Select Administration & Preferences > Manage Users from the menu. The Manage Users page opens. 2. Enter search criteria for the user for whom you want to order a SecurID token, and click Search. 3. Select the user for whom you want to order a SecurID token, and click Modify. The Modify User page opens. 4. In the User Profile section, SecurID Settings subsection, click Order Token. The Token - Order Request Form opens. 5. Complete the fields: Deliver To: Select the user for whom to order the token. Token Type: Select either Hardware or Software. Software Type: If the selected token type above is software, select either PC, Blackberry, or Both. All other fields are read only. The address fields are displayed only if the selected token type is hardware. 6. Submit the form for processing, using one of the following options: If changes are required to the address or mailing address of this user before processing, click Requires Change Address to submit your request for processing. The Success message box reminds you to contact your bank representative to provide an updated address for token delivery. Your request will be processed only after you contact the bank with the updated information. If the address is correct, click Order Token to submit your request for processing. The Order Token Submitted message box confirms that your request was submitted successfully. Your request will be processed immediately. You should receive the token within three to five business days. ENABLING SECURID TOKENS You can enable SecurID tokens assigned to a user. Enabling a SecurID token is required only if a token has previously been disabled: It is not part of the regular workflow required to set up a user with a SecurID token. ONLINE BANKING FOR BUSINESS USER GUIDE PAGE 133

134 MANAGING USERS Note: You cannot enable SecurID tokens assigned to you. 1. Select Administration & Preferences > Manage Users from the menu. The Manage Users page opens. 2. Enter search criteria for the user whose SecurID token you want to enable, and click Search. 3. Select the user whose SecurID token you want to enable, and click Modify. The Modify User page opens. 4. In the User Profile section, SecurID Settings subsection, click Enable Token. A dialog box opens. 5. Select the check boxes next to the serial numbers of the tokens to enable, and click Finish. Note: Approval may be required before the system enables the tokens. Note: Clicking Cancel reopens the Modify User page, without enabling any SecurID tokens. DISABLING SECURID TOKENS You can disable SecurID tokens assigned to a user. Note: You cannot disable SecurID tokens assigned to you. 1. Select Administration & Preferences > Manage Users from the menu. The Manage Users page opens. 2. Enter search criteria for the user whose SecurID token you want to disable, and click Search. 3. Select the user whose SecurID token you want to disable, and click Modify. The Modify User page opens. 4. In the User Profile section, SecurID Settings subsection, click Disable Token. A dialog box opens. ONLINE BANKING FOR BUSINESS USER GUIDE PAGE 134

135 MANAGING USERS 5. Select the check boxes next to the serial numbers of the tokens to disable, and click Finish. Note: Approval may be required before the system disables the tokens. Note: Clicking Cancel reopens the Modify User page, without disabling any SecurID tokens. REASSIGNING SECURID HARDWARE TOKENS You can reassign one or more SecurID hardware tokens from one user to another, either among existing users or when creating a new user. To reassign a hardware token when creating a user, navigate to the Create User page, as described in "Creating a User" on page 146, and then follow the instructions from step 4 below. Note: You do not need to reassign a SecurID hardware token unless it has been previously assigned: It is not part of the regular workflow to reassign a SecurID token among users. Note: You cannot reassign SecurID hardware tokens to or from yourself. Note: You cannot reassign SecurID software tokens. 1. Select Administration & Preferences > Manage Users from the menu. The Manage Users page opens. 2. Enter search criteria for the user to whom you want to assign a SecurID hardware token, and click Search. 3. Select the user to whom you want to assign a SecurID hardware token, and click Modify. The Modify User page opens. 4. In the User Profile section, SecurID Settings subsection, click Reassign Token. A dialog box opens. ONLINE BANKING FOR BUSINESS USER GUIDE PAGE 135

136 MANAGING USERS 5. In the From user list, select the user currently assigned to the hardware token, and click Finish. Note: The user to whom you are reassigning the hardware token is identified in the To user field by <customer ID_user ID>. Together these are the SecurID user ID for logging in. Another dialog box opens. 6. Select the check boxes next to the serial numbers of the hardware tokens to reassign, and click Finish. Note: Approval may be required before the system reassigns the hardware tokens. Note: Clicking Cancel reopens the Modify User page, without reassigning any SecurID hardware tokens. RESETTING SECURID TOKENS TO NEW PIN MODE You can reset a SecurID token assigned to a user to new PIN mode. The user to whom the SecurID token is assigned must choose a new PIN at the next SecurID authentication request. Note: If SecurID tokens are assigned to you, you cannot reset them to new PIN mode. 1. Select Administration & Preferences > Manage Users from the menu. The Manage Users page opens. 2. Enter search criteria for the user for whom you want to reset a SecurID token to new PIN mode, and click Search. 3. Select the user for whom you want to reset a SecurID token to new PIN mode, and click Modify. The Modify User page opens. 4. In the User Profile section, SecurID Settings subsection, click PIN Reset. A dialog box opens. ONLINE BANKING FOR BUSINESS USER GUIDE PAGE 136

137 MANAGING USERS 5. Select the check boxes next to the serial numbers of the tokens to reset to new PIN mode, and click Finish. Note: Approval may be required before the system resets the PIN. Note: Clicking Cancel reopens the Modify User page, without reassigning any SecurID tokens. For more information about SecurID tokens, see "Managing SecurID Tokens" on page 132. If you are an administrator, you can also the perform the following administrative actions on SecurID tokens: "Enabling SecurID Tokens" on page 133 "Disabling SecurID Tokens" on page 134 "Reassigning SecurID Hardware Tokens" on page 135 "Resetting SecurID Tokens to New PIN Mode" on page 136 RETURNING SECURID HARDWARE TOKENS If you no longer require a SecurID hardware token, you can return it. Contact your company administrator, who can contact the bank relationship manager. Include instructions indicating the company name, customer ID, user name, user ID, and token serial number. Note: For software token users, simply uninstall the RSA application. Return the SecurID hardware token to the following address: BMO Financial Group Information Security Operations 4100 Gordon Baker Road Toronto, ON M1W 3E8 Canada Attention: Security Analyst Note: Monthly token charges will continue until the hardware token is returned. RESETTING A USER PASSWORD You can reset a user's password. This also changes the user's status to Active, and unlocks a locked user. ONLINE BANKING FOR BUSINESS USER GUIDE PAGE 137

138 MANAGING USERS Note: Users who are subscribed to the self-serve password service can reset their own passwords. For details, see "Resetting a Forgotten Password" on page 10. Administrators can subscribe users to this service by selecting the Self Serve Password Reset check box in the User Profile section of the User setup pages. 1. Select Administration & Preferences > Manage Users from the menu. The Manage Users page opens. 2. Enter search criteria for the user whose password you want to reset, and click Search. 3. Select the user whose password you want to reset, and click View. The View User page opens. 4. Click Reset Password. A message box prompts you to reset this user's password. 5. Click Yes. The Manage Users page reopens. 6. If approval is required to reset the user's password, the Temporary password field displays Pending approval. The system-generated temporary password is displayed on the final approval page. 7. If approval is not required to reset the user's password, the Manage Users page displays the user ID and a system-generated temporary password. The system does not this temporary password to the user: The administrator must communicate the temporary password directly to the user. VIEWING A USER How do I get here? The View User page opens when: You select a user and click View on the Manage Users page For details, see "Managing Users" on page 130. You select an action in the User History page and click View. For details, see "Viewing the History of Changes to a User" on page 154. ONLINE BANKING FOR BUSINESS USER GUIDE PAGE 138

139 MANAGING USERS The View User page opens with the User Profile section expanded. What can I do here? Use this page to view current or historical user profile details in the User Profile and Service Entitlements sections. Also from this page, you can open the View User Service Entitlements page (by clicking Next) and review the list of services to which the user is entitled. Note: You can toggle between this page and the View User Service Entitlements page by using the Next and Previous buttons. To view a user: 1. Navigate to the View User page (this page), as described in "How do I get here?" above. 2. View the User Profile section. For details, see "Working with User Profiles" on page Optional. To expand the Service Entitlements section, click the Expand button on the title bar. In this section, you can view user privileges and the services to which this user is entitled. For details, see "Working with Service Entitlements" on page Click Next. The View User Service Entitlements page opens. For details, see "Viewing User Service Entitlements" on page 140. There is a separate section on this page for each service selected in the Service Entitlements section on the previous page that requires additional setup. Note: By default, the first section is expanded, and any subsequent sections are collapsed. You can expand each one with the Expand button on the title bar. 5. When you are done, do one of the following: ONLINE BANKING FOR BUSINESS USER GUIDE PAGE 139

140 MANAGING USERS To view the history of changes to the user profile, click View History. For details, see "Viewing the History of Changes to a User" on page 154. To reset a user's password to a randomly generated password, select the user and click Reset Password. A message box confirms that you want to reset the user's password. Click Reset to change the user's status to Active. For more details, see "Managing Users" on page 130. To modify the customer profile, click Modify. For details, see "Modifying a User" on page 142. To return to the View User page, click Previous. To return to the Manage Users page, click Cancel. To delete a user, select the user and click Delete. A message box confirms that you want to delete the selected user. Click OK to delete that user. VIEWING USER SERVICE ENTITLEMENTS How do I get here? The View User Services page opens when you click Next on the View User page. Only the entitlements that require additional setup are displayed on this page. For details, see "Viewing a User" on page 138. ONLINE BANKING FOR BUSINESS USER GUIDE PAGE 140

141 MANAGING USERS What can I do here? Use this page to view the service entitlements for a user. There is a separate section on this page for each service selected in the Services section on the previous page that requires additional setup. If there are no services that require additional user setup, a message is displayed. By default, the first section is expanded, and any subsequent sections are collapsed. 1. Optional. View any section. If necessary, click the Expand button on a title bar to expand the corresponding section. 2. When you are done, do one of the following: To view the history of changes to a user profile, click View History. For details, see "Viewing the History of Changes to a User" on page 154. To reset a user's password to a randomly generated password, select the user and click Reset Password. A message box confirms that you want to reset the user's password. Click Reset to change the user's status to Active. For more details, see "Managing Users" on page 130. To modify the user profile, click Modify. For details, see "Modifying a User" on page 142. To return to the View User page, click Previous. To return to the Manage Users page, click Cancel. To delete a user, select the user and click Delete. A message box confirms that you want to delete the selected user. Click OK to delete that user. The following sections may be displayed, depending on which services are selected in the Service Entitlements section on the previous page. Canada US "Account Information User Service Entitlements" on page 156 "Account Transfer User Service Entitlements" on page 158 "Cheque Imaging User Service Entitlements" on page 174 "Direct Cheque/First Bank Automated Clearing Services User Service Entitlements" on page 175 "Electronic Funds Transfer User Service Entitlements" on page 177 "File Transfer Facility User Service Entitlements" on page 180 "Stop Payment (Canada) User Service Entitlements" on page 187 "Tax & Bill Payments User Service Entitlements" on page 192 "Wire Payment (Canada) User Service Entitlements" on page 193 "ACH User Service Entitlements" on page 160 "Homepage Balances User Service Entitlements" on page 182 "Activity and XReports (Audit Reports) User Service Entitlements" on page 164 "Balance Report User Service Entitlements" on page 168 ONLINE BANKING FOR BUSINESS USER GUIDE PAGE 141

142 MANAGING USERS Portal "Book Transfer User Service Entitlements" on page 171 "Cash Concentration User Service Entitlements" on page 172 "ERD User Service Entitlements" on page 179 "Lockbox Imaging, Retail User Service Entitlements" on page 183 "Recon Management User Service Entitlements" on page 184 "Safekeeping User Service Entitlements" on page 186 "Stop Payment (US) User Service Entitlements" on page 189 "System Mail User Service Entitlements" on page 191 "Wire Payment (US) User Service Entitlements" on page 197 "Homepage Balances User Service Entitlements" on page 182 "Alerts User Service Entitlements" on page 165 MODIFYING A USER How do I get here? The Modify User page opens when you select a user on the Manage Users page or on the View User page and click Modify. For details, see "Managing Users" on page 130 or "Viewing a User" on page 138. ONLINE BANKING FOR BUSINESS USER GUIDE PAGE 142

143 MANAGING USERS What can I do here? Use this page to change or update existing user profile information a user in the User Profile and Service Entitlements sections. Also from this page, you can open the Modify User Service Entitlements page (by clicking Next) and update the applicable services to which the user is entitled. Note: You can toggle between this page and the Modify User Service Entitlements page by using the Next and Previous buttons. To modify a user: 1. Navigate to the Modify User page (this page), as described in "How do I get here?" above. 2. Optional. Update the User Profile section. For details, see "Working with User Profiles" on page 149. Note: You can also perform administrative functions on the user's SecurID tokens. For details, see "Managing SecurID Tokens" on page Optional. To expand the Service Entitlementssection, click the Expand button on the title bar. In this section, you can modify user privileges and the services to which this user is entitled. For details, see "Working with Service Entitlements" on page Click Next. The Modify User Service Entitlements page opens. For details, see "Modifying User Service Entitlements" on page 144. For each service selected in the Service Entitlements section on the previous page that requires additional setup, there is a separate section on this page. Note: By default, the first section is expanded, and any subsequent sections are collapsed. You can expand each one with the Expand button on the title bar. If there are no services that require additional user setup, a message is displayed. 5. Optional. Modify any sections on this page. 6. Optional. You can also enable, disable, or reassign a SecurID token, or reset a SecurID PIN in the User Profile section, SecurID Settings subsection of this page. For details, see "Managing SecurID Tokens" on page When you are done, do one of the following: To save your changes to both pages and submit them for approval, click Finish. To return to the Manage Users page without saving changes, click Cancel. To delete a user, select the user and click Delete. A message box confirms that you want to delete the selected user. Click OK to delete that user. ONLINE BANKING FOR BUSINESS USER GUIDE PAGE 143

144 MANAGING USERS MODIFYING USER SERVICE ENTITLEMENTS How do I get here? The Modify User Services page opens when you click Next in the Modify User page. Only the entitlements that require additional setup are displayed on this page. For details, see "Modifying a User" on page 142. What can I do here? Use this page to modify the service entitlements for a user. For each service selected in the Services section on the previous page, that requires additional setup, there is a separate section on this page. By default, the first section is expanded, and any subsequent sections are collapsed. 1. Optional. Modify any section. If necessary, click the Expand button on a title bar to expand the corresponding section. Note: If there are no services that require additional customer setup, a message is displayed. ONLINE BANKING FOR BUSINESS USER GUIDE PAGE 144

145 MANAGING USERS 2. When you are done, do one of the following: To save your changes to both pages and submit them for approval, click Finish. To return to the Manage Users page without saving changes, click Cancel. To delete a user, select the user and click Delete. A message box confirms that you want to delete the selected user. Click OK to delete that user. The following sections may be displayed, depending on which services are selected in the Service Entitlements section on the previous page. Canada US "Account Information User Service Entitlements" on page 156 "Account Transfer User Service Entitlements" on page 158 "Cheque Imaging User Service Entitlements" on page 174 "Direct Cheque/First Bank Automated Clearing Services User Service Entitlements" on page 175 "Electronic Funds Transfer User Service Entitlements" on page 177 "File Transfer Facility User Service Entitlements" on page 180 "Stop Payment (Canada) User Service Entitlements" on page 187 "Tax & Bill Payments User Service Entitlements" on page 192 "Wire Payment (Canada) User Service Entitlements" on page 193 "ACH User Service Entitlements" on page 160 "Homepage Balances User Service Entitlements" on page 182 "Activity and XReports (Audit Reports) User Service Entitlements" on page 164 "Balance Report User Service Entitlements" on page 168 "Book Transfer User Service Entitlements" on page 171 "Cash Concentration User Service Entitlements" on page 172 "ERD User Service Entitlements" on page 179 "Lockbox Imaging, Retail User Service Entitlements" on page 183 "Recon Management User Service Entitlements" on page 184 "Safekeeping User Service Entitlements" on page 186 "Stop Payment (US) User Service Entitlements" on page 189 "System Mail User Service Entitlements" on page 191 "Wire Payment (US) User Service Entitlements" on page 197 ONLINE BANKING FOR BUSINESS USER GUIDE PAGE 145

146 MANAGING USERS Portal "Homepage Balances User Service Entitlements" on page 182 "Alerts User Service Entitlements" on page 165 CREATING A USER How do I get here? The Create User page opens when you click Create User or Copy User on the Manage Users page. For details, see "Managing Users" on page 130. The Create User page opens with the User Profile section expanded, ready for data entry. What can I do here? Use this page to add a user to Online Banking for Business by completing the User Profile and Service Entitlements sections, and then clicking Next to complete the applicable Create User Service Entitlements sections on the second page. To create a user: 1. Navigate to the Create User page (this page), as described in "How do I get here?" above. 2. Complete the User Profile section on this page. For details, see "Working with User Profiles" on page To expand the Service Entitlements section, click the Expand button on the title bar. In this section, specify user privileges and the services to which this user is entitled. For details, see "Working with Service Entitlements" on page 152. ONLINE BANKING FOR BUSINESS USER GUIDE PAGE 146

147 MANAGING USERS 4. Click Next. The system saves the information on the Create User page and opens the Create User Service Entitlements page, where you can set up the details for each entitlement that requires additional information. For details, see "Creating User Service Entitlements" on page 147. Note: You can toggle between the Create User page and the Create User Service Entitlements page by using the Next and Previous buttons. If there are no services that require additional user setup, a message is displayed. 5. When you are done entering all the user data in the Create User page and the Create User Service Entitlements page, click Finish.The Finish button is available on both pages. Note: To return to the Manage Users page without saving your work, click Cancel. 6. After you have completed creating a new user, the next step is to approve it. For more information, see "Managing Approvals" on page 200. CREATING USER SERVICE ENTITLEMENTS How do I get here? The Create User Services page opens when you click Next after completing the sections on the Create User page. Only the entitlements that require additional setup are displayed on this page. For details, see "Creating a User" on page 146. What can I do here? Use this page to expand the service entitlements sections, one at a time, and complete the initial service setup details. There is a separate section on this page for each service you selected in the Service Entitlements section on the previous page that requires additional setup. By default, the first section is expanded, and any subsequent sections are collapsed. ONLINE BANKING FOR BUSINESS USER GUIDE PAGE 147

148 MANAGING USERS 1. Complete each section; see details below. Click the Expand button on each title bar to expand the corresponding section. Note: If there are no services that require additional user setup, a message is displayed. 2. When you are done do one of the following: To save information and submit it for approval, click Finish. To return to the Manage Users page without saving any changes, click Cancel. To return to the Create User page, click Previous. The following sections may be displayed, depending on which services are selected in the Service Entitlements section on the previous page. Canada US "Account Information User Service Entitlements" on page 156 "Account Transfer User Service Entitlements" on page 158 "Cheque Imaging User Service Entitlements" on page 174 "Direct Cheque/First Bank Automated Clearing Services User Service Entitlements" on page 175 "Electronic Funds Transfer User Service Entitlements" on page 177 "File Transfer Facility User Service Entitlements" on page 180 "Stop Payment (Canada) User Service Entitlements" on page 187 "Tax & Bill Payments User Service Entitlements" on page 192 "Wire Payment (Canada) User Service Entitlements" on page 193 "ACH User Service Entitlements" on page 160 "Homepage Balances User Service Entitlements" on page 182 "Activity and XReports (Audit Reports) User Service Entitlements" on page 164 "Balance Report User Service Entitlements" on page 168 "Book Transfer User Service Entitlements" on page 171 "Cash Concentration User Service Entitlements" on page 172 "ERD User Service Entitlements" on page 179 "Lockbox Imaging, Retail User Service Entitlements" on page 183 "Recon Management User Service Entitlements" on page 184 "Safekeeping User Service Entitlements" on page 186 "Stop Payment (US) User Service Entitlements" on page 189 ONLINE BANKING FOR BUSINESS USER GUIDE PAGE 148

149 MANAGING USERS Portal "System Mail User Service Entitlements" on page 191 "Wire Payment (US) User Service Entitlements" on page 197 "Homepage Balances User Service Entitlements" on page 182 "Alerts User Service Entitlements" on page 165 WORKING WITH USER PROFILES How do I get here? The User Profile section is the first section on the View User, Modify User, and Create User pages and by default it is always expanded. To collapse this section, click the Collapse button. What can I do here? Use this section to review, update, or enter new user details, including contact information, SecurID settings, privileges, and entitlements. To complete the user profile, enter information in the appropriate fields. To complete the Service Entitlements section, click the Expand button "Working with Service Entitlements" on page For more information, see To save your changes to complete them at a later date, click Save. To save your changes and submit them as complete, click Finish. To return to the Manage Users page without saving, click Cancel. ONLINE BANKING FOR BUSINESS USER GUIDE PAGE 149

150 MANAGING USERS What do the fields mean? User ID Status The ID with which the user logs into the Online Banking for Business website. Minimum length is 2 characters. Maximum length is 12 characters. Not case sensitive. The user ID cannot contain underscores ( _ ). You cannot modify the user ID after the user profile is created. The status of the user. For a list and description of user statuses, see "User Statuses" on page 131. Note: If you want the user to be active in the system after approval, you must set this field to Active. Approval does not change the user status. First name The first name of the user. Maximum length is 20 characters. Creation date The date on which the user defined in this user profile was created. This is automatically filled by the system. Last name Admin The last name of the user. Maximum length is 20 characters. Indicates that this user is assigned the administrator roles in subscribed services. Self-serve password reset Indicates that this user can reset the password with a temporary password if the user forgets the original password. Contact information These fields contain contact information for this user. Address line 1 Phone The first line of the address. P.O. boxes are not allowed. Maximum length is 40 characters. The phone number can include the phone extension number and the phone type, such as mobile. Maximum length is 25 characters. Address line 2 City Fax Country The second line of the address. P.O. boxes are not allowed. Maximum length is 40 characters. The user's address. Maximum length is 100 characters. The user's city. Maximum length is 40 characters. The user's fax number. Maximum length is 25 characters. The user's country. Language The language in which Online Banking for Business is displayed for this user. ONLINE BANKING FOR BUSINESS USER GUIDE PAGE 150

151 MANAGING USERS State/Province The state in the U.S., or the province in Canada. Time zone The time zone for this user. This determines the time and date displayed in Online Banking for Business; for example, the time when financial transactions occur. Postal code For Canada, this is the postal code in the following format: A1B 2C3. For the U.S., this is the zip code in one of the following formats: or Maximum length is 20 characters. SecurID Settings This section determines the settings when using a SecurID token. SecurID required at login Indicates if a SecurID token is required when this user logs in.read only. By default, for new users, this has the same setting as the company-level setting. Deliver New SecurID token Type Indicates if users require a SecurID token. Indicates the type of SecurID token requested to be sent to the user. Enabled only if SecurID token required, above, is selected. Supported token types include: Hardware, Software PC, Software Blackberry, Software Both. SecurID UserID The user's SecurID user ID to use with the SecurID token. Read only. What do the buttons do? Note: The following buttons are displayed only on the Create User and Modify User pages: To order a SecurID token for this user, click Order Token. For details, see "Ordering SecurID Tokens" on page 132. To enable the SecurID token assigned to this user, click Enable Token. For details, see "Enabling SecurID Tokens" on page 133. Not available on the Create User page. To disable the SecurID token assigned to this user, click Disable Token. For details, see "Disabling SecurID Tokens" on page 134. Not available on the Create User page. To reset the PIN on the SecurID token assigned to this user, click PIN Reset. For details, see "Resetting SecurID Tokens to New PIN Mode" on page 136. Not available on the Create User page. To reassign a SecurID token from another user to this user, click ReassignToken. For details, see "Reassigning SecurID Hardware Tokens" on page 135. ONLINE BANKING FOR BUSINESS USER GUIDE PAGE 151

152 MANAGING USERS WORKING WITH SERVICE ENTITLEMENTS How do I get here? The Service Entitlements section is the second section on the View User, Modify User, and Create User pages. By default, this section is collapsed. To expand this section, click the Expand button. What can I do here? Use this section to specify the administrative privileges and service entitlements for this user. Note: Some service entitlements require additional setup. For a list of these services, see "Service Setup Requirements" on page 95. ONLINE BANKING FOR BUSINESS USER GUIDE PAGE 152

153 MANAGING USERS To select a service entitlement for this user, select the corresponding check box. To select all service entitlements in a section, (such as Canada, US, or Portal), select the corresponding check box at the top of the section. Note: When all services in a section are selected, the section check box is automatically selected. To remove a service entitlement for this user, clear the corresponding check box. To save your changes and submit them as complete, click Finish. To return to the Manage Customers page without saving, click Cancel. What do the fields mean? Administrative Privileges All admin functions Enables this user to access all administrative functions in this section, and automatically selects all other check boxes in this section. Note: Clearing any other check box in this section automatically clears this check box. Password reset Enables the Reset password button for this admin user. For details, see "Managing Users" on page 130. SecurID management Profile Enables the following buttons in the User Profile section, SecurID Settings subsection of the Modify User page: ReassignToken Enable Token Disable Token PIN Reset You can grant a user administrative privileges over the following types of profiles: Corporate User Company Profile Privileges You can grant a user the following types of privileges over the profiles listed above. These types of privileges determine the actions that the user can perform on the profiles. View Create Modify Delete Approve Reports All fields in this section enable the user to access the corresponding report. ONLINE BANKING FOR BUSINESS USER GUIDE PAGE 153

154 MANAGING USERS VIEWING THE HISTORY OF CHANGES TO A USER How do I get here? The User History page opens when you click History in the Manage Users page or in the View User page. For details, see "Managing Users" on page 130 or "Viewing a User" on page 138. What can I do here? Use this page to review the changes that have been made to the user profile information. The following types of changes are included on this page: Login Self Password Reset Password Reset Logout Logout due to Timeout Menu Navigation Create Modify Delete User Deactivated by Lock User (Password lock, Admin Lock, Inactive Lock) Approve User Reject User Delete Users (Multiple user delete) Change User Password Reset User Password Reject User User Token Reassign User PIN Change What do the buttons do? To view the user profile at the time of an action, select the corresponding row and click View. The View User page opens. To return to the previous page, click Cancel. ONLINE BANKING FOR BUSINESS USER GUIDE PAGE 154

155 SERVICES REQUIRING ADDITIONAL USER SETUP SERVICES REQUIRING ADDITIONAL USER SETUP The following services in Online Banking for Business require additional setup for users. Canada "Account Information User Service Entitlements" on page 156 "Account Transfer User Service Entitlements" on page 158 "Cheque Imaging User Service Entitlements" on page 174 "Direct Cheque/First Bank Automated Clearing Services User Service Entitlements" on page 175 "Electronic Funds Transfer User Service Entitlements" on page 177 "File Transfer Facility User Service Entitlements" on page 180 "Stop Payment (Canada) User Service Entitlements" on page 187 "Tax & Bill Payments User Service Entitlements" on page 192 "Wire Payment (Canada) User Service Entitlements" on page 193 US "ACH User Service Entitlements" on page 160 "Homepage Balances User Service Entitlements" on page 182 "Activity and XReports (Audit Reports) User Service Entitlements" on page 164 "Balance Report User Service Entitlements" on page 168 "Book Transfer User Service Entitlements" on page 171 "Cash Concentration User Service Entitlements" on page 172 "ERD User Service Entitlements" on page 179 "Lockbox Imaging, Retail User Service Entitlements" on page 183 "Recon Management User Service Entitlements" on page 184 "Safekeeping User Service Entitlements" on page 186 "Stop Payment (US) User Service Entitlements" on page 189 "System Mail User Service Entitlements" on page 191 "Wire Payment (US) User Service Entitlements" on page 197 Portal "Homepage Balances User Service Entitlements" on page 182 "Alerts User Service Entitlements" on page 165 ONLINE BANKING FOR BUSINESS USER GUIDE PAGE 155

156 SERVICES REQUIRING ADDITIONAL USER SETUP ACCOUNT INFORMATION USER SERVICE ENTITLEMENTS How do I get here? The Account Information section opens when you click the Expand button in any of the following pages: on the Account Information title bar My Profile Services (for details, see "Viewing Your Service Entitlements" on page 93) View User Services (for details, see "Viewing User Service Entitlements" on page 140) Modify User Services (for details, see "Modifying User Service Entitlements" on page 144) Create User Services (for details, see "Creating User Service Entitlements" on page 147) What can I do here? Use the Account Information section to specify this user's settings for the Account Information service. Only selected accounts can be displayed on the Home Page in the My Balances section. What do the fields mean? Select the user function for this service: Use only: Enables this user only to use this service, and prevents this user from administering this service. If this user is not defined as an admin in the User Profile section, this is the only available option. Admin only: Enables this user to administer this service only, and prevents this user from using the service. This is the only available option if Admin only is selected at the company level and for this user. Available only if this user is defined as admin in the User Profile section. Both Admin and Use: Enables this user to both use and administer this service.available only if this user is defined as admin in the User Profile section. Note: For information on the admin function, see "Working with User Profiles" on page 149. ONLINE BANKING FOR BUSINESS USER GUIDE PAGE 156

157 SERVICES REQUIRING ADDITIONAL USER SETUP All account information functions Enables this user to access all Account Information functions, and automatically selects all other check boxes in this section. Note: Clearing any other check box in this section automatically clears this check box. All other fields Enable this user to access the corresponding functionality in the Account Information service. All account information reports Enables this user to access all Account Information reports, and automatically selects all other check boxes in this section. Note: Clearing any other check box in this section automatically clears this check box. Statement report Mandatory. It displays the following information: bank ID and bank name; account number and name; currency; value date; status and/or detail-type codes, descriptions, and amounts; transaction type short description; detail item amount; bank reference and customer reference; detail funds availability; transaction group sub-totals; credit totals; debit totals; bank totals; grand totals by currency. Reconciliation report CSV BAI Mandatory. It displays the following information: bank ID and bank name; account number and name; currency; processing date; status and/or detail-type codes, descriptions, and amounts; bank reference and customer reference; detail funds availability; transaction group sub-totals; credit totals; debit totals; bank totals; grand totals by currency. Enables this user to generate the Reconciliation report in CSV format. Enables this user to generate the Reconciliation report in BAI format. FCCS/FBPS Detail Report Enables this user to generate a FCCS/FBPS Detail Report. This report displays the following information: bank ID and bank name; account number and names; currency; processing date; value date; detail-type codes, descriptions, and amounts; bank reference; customer reference; branch ID; credit totals; debit totals. Detail Report Enables this user to generate a Detail Report. This report displays the following information: bank ID and bank name; account number and names; currency; processing date; value date; detail-type codes, descriptions, and amounts; bank reference; customer reference; detail funds availability; detail group sub-totals; credit totals; debit totals. Cash Position Report Enables this user to generate a Cash Position Report. This report displays the following information: processing date; currency; status and/or summary-type codes, descriptions, and amounts; totals; summary funds availability by account. ONLINE BANKING FOR BUSINESS USER GUIDE PAGE 157

158 SERVICES REQUIRING ADDITIONAL USER SETUP Current Day Enables this user to generate a Current Day Report. This report displays the following information: opening balance; time and time zone; amount of balance; description of credit items; amounts; total credit amount; description of debit items; amounts; total debit amount. Transaction Search Enables the Transaction Search feature for this user. Report Templates at Customer Level Enables the Report Templates feature for this user. Accounts Specify the accounts this user can access in the Account information service. Note: If you use a select all or clear all check box in the title row, this applies only to the current accounts on the page. If new accounts are added in the future, by default, they are not assigned to the user; you must return to this page and make the appropriate updates. To assign accounts to the user, select the corresponding check boxes. To select all accounts, select the check box at the top, left of the Bank column. To restrict accounts, clear the corresponding check boxes. What do the buttons do? To collapse this section, click the Collapse button. To expand another section, click the Expand button. ACCOUNT TRANSFER USER SERVICE ENTITLEMENTS How do I get here? The Account Transfer section opens when you click the Expand button of the following pages: on the Account Transfer title bar in any My Profile Services (for details, see "Viewing Your Service Entitlements" on page 93) View User Services (for details, see "Viewing User Service Entitlements" on page 140) Modify User Services (for details, see "Modifying User Service Entitlements" on page 144) Create User Services (for details, see "Creating User Service Entitlements" on page 147) ONLINE BANKING FOR BUSINESS USER GUIDE PAGE 158

159 SERVICES REQUIRING ADDITIONAL USER SETUP What can I do here? Use the Account Transfer section to specify this user's settings for the Account Transfers service. What do the fields mean? Select the user function for this service: Use only: Enables this user only to use this service, and prevents this user from administering this service. If this user is not defined as an admin in the User Profile section, this is the only available option. Admin only: Enables this user to administer this service only, and prevents this user from using the service. This is the only available option if Admin only is selected at the company level and for this user. Available only if this user is defined as admin in the User Profile section. Both Admin and Use: Enables this user to both use and administer this service.available only if this user is defined as admin in the User Profile section. Note: For information on the admin function, see "Working with User Profiles" on page 149. All account transfer functions Enables this user to access all Account Transfer functions, and automatically selects all other check boxes in this section. Note: Clearing any other check box in this section automatically clears this check box. All other fields Enable this user to access the corresponding functionality in the Account Transfer service. ONLINE BANKING FOR BUSINESS USER GUIDE PAGE 159

160 SERVICES REQUIRING ADDITIONAL USER SETUP Daily cumulative limit The daily cumulative limit for this user in the Account Transfer service. This cannot exceed the corresponding value defined for the company. The default value is 999,999,999,999. The maximum length is 12 digits. Transaction limit The transaction limit for this user in the Account Transfer service. The default value is 0. The maximum length is 12 digits. All account transfer reports Enables this bank user to access all Account Transfer reports, and automatically selects all other check boxes in this section. Note: Clearing any other check box in this section automatically clears this check box. All other fields Enable this user to access the corresponding report in the Account Transfer service. Accounts This section specifies which accounts are available to this user in the Account Transfer service. The Debit check box is available for an account only if debit is allowed for this account for the Account Transfer service at the company level. The Credit check box is available for an account only if credit is allowed for this account for the Account Transfer service at the company level. Note: If you use a select all or clear all check box in the title row, this applies only to the current accounts on the page. If new accounts are added in the future, by default, they are not assigned to the user; you must return to this page and make the appropriate updates. To select all accounts for debit, select the Debit check box in the column header. To select all accounts for credit, select the Credit check box in the column header. What do the buttons do? To collapse this section, click the Collapse button. To expand another section, click the Expand button. ACH USER SERVICE ENTITLEMENTS How do I get here? The ACH section opens when you click the Expand button on the ACH title bar in any of the following pages: My Profile Services (for details, see "Viewing Your Service Entitlements" on page 93) View User Services (for details, see "Viewing User Service Entitlements" on page 140) Modify User Services (for details, see "Modifying User Service Entitlements" on page 144) Create User Services (for details, see "Creating User Service Entitlements" on page 147) ONLINE BANKING FOR BUSINESS USER GUIDE PAGE 160

161 SERVICES REQUIRING ADDITIONAL USER SETUP What can I do here? Use the ACH section to specify this user's settings for the ACH service. What do the fields mean? Select the user function for this service: ONLINE BANKING FOR BUSINESS USER GUIDE PAGE 161

162 SERVICES REQUIRING ADDITIONAL USER SETUP Use only: Enables this user only to use this service, and prevents this user from administering this service. If this user is not defined as an admin in the User Profile section, this is the only available option. Admin only: Enables this user to administer this service only, and prevents this user from using the service. This is the only available option if Admin only is selected at the company level and for this user. Available only if this user is defined as admin in the User Profile section. Both Admin and Use: Enables this user to both use and administer this service.available only if this user is defined as admin in the User Profile section. Note: For information on the admin function, see "Working with User Profiles" on page 149. All ACH administrative functions Enables this user to access all ACH administrative functions, and automatically selects all other check boxes in this section. Note: Clearing any other check box in this section automatically clears this check box. All other fields in this section Display the corresponding menu item in ACH for this user. All ACH user functions Enables this user to access all ACH user functions, and automatically selects all other check boxes in this section. Note: Clearing any other check box in this section automatically clears this check box. All other fields in this section Display the corresponding menu item in ACH for this user. Companies This section specifies which ACH companies this user can access. To enable this user to access an ACH company, select the corresponding check box. To select all ACH companies for this user, select the check box in the column heading. Limits and Template Approvals This section specifies: The limits for all companies and transaction types for this user. The maximum value of each field is 9,999,999, The value in each field cannot be higher than the corresponding value set for your company. For details, see "ACH Company Service Entitlements" on page 109. The approval types required for templates, for transaction types, for this user, for each ACH company. To apply the same values in a column to all the transaction types for this user, enter a value or select a check box in the title row. Batch Activation Limit per Batch The maximum dollar amount for batch activation for this user, for a single batch, for all combined companies, for a single effective entry date (EED). Maximum length is 12 digits before the decimal point and 2 digits after ONLINE BANKING FOR BUSINESS USER GUIDE PAGE 162

163 SERVICES REQUIRING ADDITIONAL USER SETUP the decimal point. This value cannot exceed the corresponding value defined for your company. Batch Approval Limit per Batch The maximum dollar amount for batch approval for this user, for a single batch, for all combined companies, for a single effective entry date (EED). Maximum length is 12 digits before the decimal point and 2 digits after the decimal point. This value cannot exceed the corresponding value defined for your company. The following table defines the limits for transaction types for this user for each ACH company. Only the ACH companies selected for this user, in the Companies section above, are displayed. Column headings Transaction Type The SEC (Standard Entry Class) code and the description of the code format for the transaction type. Note: This list displays the transaction types defined for your company. Batch Maintenance Limit per Item The maximum dollar amount for this user to use the Batch Maintenance service to manage batch templates, for a single item. Maximum length is 10 digits before the decimal point and 2 digits after the decimal point. Batch Maintenance Limit per Batch The maximum dollar amount for this user to use the Batch Maintenance service to manage batch templates, for a single batch. Maximum length is 10 digits before the decimal point and 2 digits after the decimal point. Batch Activation Limit per Item The maximum dollar amount for this user to use the Batch Activation service, for a single item, for a single effective entry date (EED). Maximum length is 10 digits before the decimal point and 2 digits after the decimal point. Note: This value cannot be greater than the value in the Batch Activation $ Limit / Batch field, on this page above this table. Batch Activation Limit per Batch The maximum dollar amount for this user to use the Batch Activation service, for a single batch, for a single effective entry date (EED). Maximum length is 10 digits before the decimal point and 2 digits after the decimal point. Note: This value cannot be greater than the value in the Batch Activation $ Limit / Batch field, on this page above this table. Batch Approval Limit per Item The maximum dollar amount for this user to use the Batch Approval service, for a single item, for a single effective entry date (EED). Maximum length is 12 digits before the decimal point and 2 digits after the decimal point. Note: This value cannot be greater than the value in the Batch Approval $ Limit / Batch field, on this page above this table. Batch Approval $ Limit / Batch The maximum dollar amount for this user to use the Batch Approval service, for a single batch, for a single effective entry date (EED). Maximum length is 12 digits before the decimal point and 2 digits after the decimal point. Note: This value cannot be greater than the value in the Batch Approval $ Limit / Batch field, on this page above this table. ONLINE BANKING FOR BUSINESS USER GUIDE PAGE 163

164 SERVICES REQUIRING ADDITIONAL USER SETUP Fixed to Fixed (FF) Enables this user to add fixed-to-fixed batches for this ACH company and transaction type when the payment originates in United States Dollars (USD) and is paid in USD. Available only if your company can initiate international ACH transactions and for the IAT Credits or IAT Debits transaction types. Fixed Local to Fixed Local (F3X) Enables this user to add fixed-local-to-fixed-local batches for this ACH company and transaction type when the payment originates and is paid in the same non-usd currency. Available only if your company can initiate international ACH transactions and for the IAT Credits or IAT Debits transaction types. Fixed to Variable (FV) Enables this user to add fixed-to-variable batches for this ACH company and transaction type when the payment originates in USD and is paid in a foreign currency. Available only if your company can initiate international ACH transactions and for the IAT Credits or IAT Debits transaction types. Template Approval The level of approval required for ACH templates for this user, ACH company, and transaction type. Supported values are: None: Approval is not required for ACH templates. Same User Required: Approval is required for ACH templates. The user who creates a template must approve it. Same User Allowed: Approval is required for ACH templates. Any qualified user can approve a template. Different User Required: Approval is required for ACH templates. The user who creates a template cannot approve it. Note: Not all the described approval levels may be available. Only the approval levels set for your company are available. Less-restrictive approval levels are not available. What do the buttons do? To collapse this section, click the Collapse button. To expand another section, click the Expand button. ACTIVITY AND XREPORTS (AUDIT REPORTS) USER SERVICE ENTITLEMENTS How do I get here? The Activity and XReports section opens when you click the Expand button bar in any of the following pages: on the Activity and XReports title My Profile Services (for details, see "Viewing Your Service Entitlements" on page 93) View User Services (for details, see "Viewing User Service Entitlements" on page 140) Modify User Services (for details, see "Modifying User Service Entitlements" on page 144) Create User Services (for details, see "Creating User Service Entitlements" on page 147) ONLINE BANKING FOR BUSINESS USER GUIDE PAGE 164

165 SERVICES REQUIRING ADDITIONAL USER SETUP What can I do here? Use the Activity and XReports section to specify which reports are available to this user when selecting Administration & Preferences > Audit Reports from the menu. These reports are specific to services listed under the US column in the Services section of the user setup pages. They do not include information on other services entitled through Online Banking for Business. What do the fields mean? All admin report functions Enables this user to access all admin report functions, and automatically selects all other check boxes in this section. Note: Clearing any other check box in this section automatically clears this check box. Activity Audit Report Enables this user to access this report. Available only if the corresponding check box is selected at the customer level. Service Entitlements Enables this user to access this report. Available only if the corresponding check box is selected at the customer level. What do the buttons do? To collapse this section, click the Collapse button. To expand another section, click the Expand button. ALERTS USER SERVICE ENTITLEMENTS How do I get here? The Alerts section opens when you click the Expand button on the Alerts title bar in any of the following pages: My Profile Services (for details, see "Viewing Your Service Entitlements" on page 93) View User Services (for details, see "Viewing User Service Entitlements" on page 140) Modify User Services (for details, see "Modifying User Service Entitlements" on page 144) Create User Services (for details, see "Creating User Service Entitlements" on page 147) ONLINE BANKING FOR BUSINESS USER GUIDE PAGE 165

166 SERVICES REQUIRING ADDITIONAL USER SETUP What can I do here? Use this section to specify this user's settings for the Alerts service. Note: After setting up this user's settings here, the user must select Alerts > My Preferences and then Alerts > Create Subscription on the Administration & Preferences menu to set up alert preferences and subscriptions. What do the fields mean? Select the user function for this service: Use only: Enables this user only to use this service, and prevents this user from administering this service. This is the default value. If this user is not defined as an admin in the User Profile section, this is the only available option. When this option is selected, the following menu options are available in the Alerts service: My Preferences, My Subscriptions, and Alert History. Admin only: Enables this user to administer this service only, and prevents this user from using the service. Available only if this user is defined as admin in the User Profile section. When this option is selected, the Permission Selection and Delivery Methods sections below are not available. When this option is selected, the following menu options are available in the Alerts service: Company Settings, Alert History, and Reports. Both Admin and Use: Enables this user to both use and administer this service. Available only if this user is defined as admin in the User Profile section. When this option is selected, all menu options are available in the Alerts service. Note: For information on the admin function, see "Working with User Profiles" on page 149. Permission Selection This section specifies the alerts that this user can receive. It is available only if either Use only or Both Admin and Use is selected above. ONLINE BANKING FOR BUSINESS USER GUIDE PAGE 166

167 SERVICES REQUIRING ADDITIONAL USER SETUP Wire Payments All Enables this user to receive all wire-payment alerts, and automatically selects all other check boxes in this section. Available only if all the options in this section are available for this user. Note: Clearing any other check box in this section automatically clears this check box. Wire Pending Approval Enables this user to receive alerts about wires pending approval in either the Wire Payment (Canada) or the Wire Payment (US) service. Available only if both: Outgoing Wire The company is entitled to either the Wire Payment (Canada) or the Wire Payment (US) service, and is entitled to wire approvals in that service. The user is entitled to the approve function in either the Wire Payment (Canada) or the Wire Payment (US) service. For details, see "Wire Payment (Canada) User Service Entitlements" on page 193 or "Wire Payment (US) User Service Entitlements" on page 197. Enables this user to receive alerts about outgoing wires in either the Wire Payment (Canada) or the Wire Payment (US) service. Available only if either: Incoming Wire At least one payment account is entitled to debit for the Wire Payment (Canada) service. At least one account for this user is entitled to the Same Day Balance Report in the Balance Report (US) service. For details, see "Balance Report User Service Entitlements" on page 168. The user is entitled to at least one of the following functions in the Wire Payment (US) service: Input, Approval, Report. Enables this user to receive alerts about incoming wires in either the Wire Payment (Canada) or the Wire Payment (US) service. Available only if one of the following is true: Administration All At least one payment account is entitled to credit advances for the Wire Payment (Canada) service. At least one account for this user is entitled to the Same Day Balance Report in the Balance Report (US) service. For details, see "Balance Report User Service Entitlements" on page 168. Enables this user to access all administration alerts, and automatically selects all other check boxes in this section. Available only if all the options in this section are available for this user. Note: Clearing any other check box in this section automatically clears this check box. User Pending Approval Enables this user to receive alerts about users pending approval. Available only if this user is entitled to the approve user function in the Administrative Privileges section in the user profile. For details, see "Working with Service Entitlements" on page 152. ONLINE BANKING FOR BUSINESS USER GUIDE PAGE 167

168 SERVICES REQUIRING ADDITIONAL USER SETUP User Locked Enables this user to receive alerts about locked users. Available only if this user is entitled either to the create user or update user in the Administrative Privileges section in the user profile. For details, see "Working with Service Entitlements" on page 152. Delivery Methods SMS Enables this user to receive alerts via . This is mandatory. The address is specified in the My Preferences page in the Alerts service. Enables this user to receive alerts via SMS. The SMS address is specified in the My Preferences page in the Alerts service. What do the buttons do? To collapse this section, click the Collapse button. To expand another section, click the Expand button. BALANCE REPORT USER SERVICE ENTITLEMENTS How do I get here? The Balance Report section opens when you click the Expand button the following pages: on the Balance Report title bar in any of My Profile Services (for details, see "Viewing Your Service Entitlements" on page 93) View User Services (for details, see "Viewing User Service Entitlements" on page 140) Modify User Services (for details, see "Modifying User Service Entitlements" on page 144) Create User Services (for details, see "Creating User Service Entitlements" on page 147) ONLINE BANKING FOR BUSINESS USER GUIDE PAGE 168

169 SERVICES REQUIRING ADDITIONAL USER SETUP What can I do here? Use this section to specify this user's settings for the Balance Report service. Only selected accounts can be displayed on the Home Page in the My Balances section. What do the fields mean? Select the user function for this service: Use only: Enables this user only to use this service, and prevents this user from administering this service. If this user is not defined as an admin in the User Profile section, this is the only available option. Admin only: Enables this user to administer this service only, and prevents this user from using the service. This is the only available option if Admin only is selected at the company level and for this user. Available only if this user is defined as admin in the User Profile section. Both Admin and Use: Enables this user to both use and administer this service.available only if this user is defined as admin in the User Profile section. Note: For information on the admin function, see "Working with User Profiles" on page 149. All Balance Report administration functions Enables this user to access all Balance Report administration functions, and automatically selects all other check boxes in this section. Note: Clearing any other check box in this section automatically clears this check box. Favorite reports Displays the Favorite Reports menu item in Balance Report for this user. BR IIF map Displays the BR IIF Map menu item in Balance Report for this user. Transaction groups Displays the Transaction Groups menu item in Balance Report for this user. ONLINE BANKING FOR BUSINESS USER GUIDE PAGE 169

170 SERVICES REQUIRING ADDITIONAL USER SETUP Transaction group accounts Displays the Transaction Group Accounts menu item in Balance Report for this user. All Balance Report use functions Enables this bank user to access all Balance Report use functions and automatically selects all other check boxes in this section. Note: Clearing any other check box in this section automatically clears this check box. Cash position Sweep Displays the Cash Position menu item in Balance Report for this user. Note: To use this service, the user must also have at least one account selected for the Same Day Report, in the section below. All accounts permitted to the user for the Same Day Report are available in Cash Position. Displays the Sweep menu item in Balance Report for this user. MultiDay Displays the MultiDay menu item in Balance Report for this user. Previous day horizontal report Displays the Previous Day HReport menu item in Balance Report for this user. Note: To use this service, the user must also have at least one account selected for the Previous Day Report, in the section below. All accounts permitted to the user for the Previous Day Report are available in Previous Day HReport. Note: All accounts selected for this report are also entitled for Cash Position. Account settings for balance reports Use this section to enable the Prev Day Report and Same Day Report menu items in Balance Report for accounts for this user. Only the accounts set up for the customer and available for Balance Reporting are available to assign to users. Prev Day Report: To display the Previous Day Report for this user, at least one check box in this column must be selected. If a user has both admin and use functions, select this check box to enable this account for this user for the Previous Day Report. Note: All accounts selected for the Prev Day Report are also entitled for Cash Position. Same Day Report: To display the Same Day Report for this user, at least one check box in this column must be selected. If a user has both admin and use functions, select this check box to enable this account for this user for the Same Day Report. Note: All accounts selected for the Same Day Report are also entitled for Cash Position. What do the buttons do? To collapse this section, click the Collapse button. To expand another section, click the Expand button. ONLINE BANKING FOR BUSINESS USER GUIDE PAGE 170

171 SERVICES REQUIRING ADDITIONAL USER SETUP BOOK TRANSFER USER SERVICE ENTITLEMENTS How do I get here? The Book Transfer section opens when you click the Expand button following pages: on the Book Transfer title bar in any of the My Profile Services (for details, see "Viewing Your Service Entitlements" on page 93) View User Services (for details, see "Viewing User Service Entitlements" on page 140) Modify User Services (for details, see "Modifying User Service Entitlements" on page 144) Create User Services (for details, see "Creating User Service Entitlements" on page 147) What can I do here? Use this section to specify this user's settings for the Book Transfer service. What do the fields mean? Select the user function for this service: Use only: Enables this user only to use this service, and prevents this user from administering this service. If this user is not defined as an admin in the User Profile section, this is the only available option. Admin only: Enables this user to administer this service only, and prevents this user from using the service. This is the only available option if Admin only is selected at the company level and for this user. Available only if this user is defined as admin in the User Profile section. Both Admin and Use: Enables this user to both use and administer this service.available only if this user is defined as admin in the User Profile section. Note: For information on the admin function, see "Working with User Profiles" on page 149. All Book Transfer functions Enables this bank user to access all Book Transfer functions, and automatically selects all other check boxes in this section. Note: Clearing any other check box in this section automatically clears this check box. ONLINE BANKING FOR BUSINESS USER GUIDE PAGE 171

172 SERVICES REQUIRING ADDITIONAL USER SETUP All other fields Display the corresponding menu items in Book Transfer for this user. Account settings for book transfer Use this section to specify the settings and limits for each account for this user in the Book Transfer service. Only the accounts set up for the company and available for Book Transfer are available to assign to users. For each account to assign to a user: enter the corresponding check box in either the Debit or the Credit columns, or both. specify the limits for this service in the other columns. Column headings Debit Credit To enable the user to debit this account in the Book Transfer service (use it as a "From" account), select this check box. To enable the user to credit this account in the Book Transfer service (use it as a "To" account), select this check box. Max entry The maximum dollar amount of any single book transfer that this user can perform from this account. This field is required if at least one check box is selected for an account. Otherwise, this field is not available. The maximum value is 99,999, If this is blank, then there is no limit. Per day The maximum dollar amount of all book transfers that this user can perform from this account in a single day. This field is required if at least one check box is selected for an account. Otherwise, this field is not available. The maximum value is 99,999, If this is blank, then there is no limit. Max # per day The maximum number of book transfers that this user can perform from this account in a single day. This field is required if at least one check box is selected for an account. Otherwise, this field is not available. The maximum value is 999. What do the buttons do? To collapse this section, click the Collapse button. To expand another section, click the Expand button. CASH CONCENTRATION USER SERVICE ENTITLEMENTS How do I get here? The Cash Concentration section opens when you click the Expand button any of the following pages: on the Cash Concentration title bar in My Profile Services (for details, see "Viewing Your Service Entitlements" on page 93) View User Services (for details, see "Viewing User Service Entitlements" on page 140) ONLINE BANKING FOR BUSINESS USER GUIDE PAGE 172

173 SERVICES REQUIRING ADDITIONAL USER SETUP Modify User Services (for details, see "Modifying User Service Entitlements" on page 144) Create User Services (for details, see "Creating User Service Entitlements" on page 147) What can I do here? Use this section to specify this user's settings for the Cash Concentration service. What do the fields mean? Select the user function for this service: Use only: Enables this user only to use this service, and prevents this user from administering this service. If this user is not defined as an admin in the User Profile section, this is the only available option. Admin only: Enables this user to administer this service only, and prevents this user from using the service. This is the only available option if Admin only is selected at the company level and for this user. Available only if this user is defined as admin in the User Profile section. Both Admin and Use: Enables this user to both use and administer this service.available only if this user is defined as admin in the User Profile section. Note: For information on the admin function, see "Working with User Profiles" on page 149. All cash concentration admin functions Enables this user to access all Cash Concentration admin functions, and automatically selects all other check boxes in this section. Note: Clearing any other check box in this section automatically clears this check box. All other fields in this section Display the corresponding menu item in Cash Concentration for this user. All cash concentration functions Enables this user to access all Cash Concentration functions, and automatically selects all other check boxes in this section. Note: Clearing any other check box in this section automatically clears this check box. Note: You must select at least one check box in this section to display the Cash Con menu item in Cash Concentration for this user. ONLINE BANKING FOR BUSINESS USER GUIDE PAGE 173

174 SERVICES REQUIRING ADDITIONAL USER SETUP All other fields in this section Display the corresponding menu item in Cash Concentration for this user. Select Divisions and Locations Use this section to indicate the divisions and locations this user can access in Cash Concentration functions. The divisions and locations are set up at the company level. For details, see "Cash Concentration Company Service Entitlements" on page 114. For a user to access the Cash Concentration service, at least one division or location must be selected. Notes: Selecting a check box for a division automatically selects the check boxes for all locations in that division. Similarly, clearing a check box for a division automatically clears the check boxes for all locations in that division. Selecting or clearing a check box for a location automatically clears the check box for the division. Note: If a user is entitled to access all locations in a division, and later a new location is added to that division, then the user must be entitled separately for the new location after it is created. Click a plus icon least one location. Click a minus icon to expand a division and view its locations. This icon is available only if a division has at to collapse the list of locations under a division. Select a check box to enable the user to use the corresponding division or location with the Cash Concentration service. What do the buttons do? To collapse this section, click the Collapse button. To expand another section, click the Expand button. CHEQUE IMAGING USER SERVICE ENTITLEMENTS How do I get here? The Cheque Imaging section opens when you click the Expand button the following pages: on the Cheque Imaging title bar in any of My Profile Services (for details, see "Viewing Your Service Entitlements" on page 93) View User Services (for details, see "Viewing User Service Entitlements" on page 140) Modify User Services (for details, see "Modifying User Service Entitlements" on page 144) Create User Services (for details, see "Creating User Service Entitlements" on page 147) ONLINE BANKING FOR BUSINESS USER GUIDE PAGE 174

175 SERVICES REQUIRING ADDITIONAL USER SETUP What can I do here? Use this section to specify this user's settings for the Cheque Imaging service. What do the fields mean? Select the user function for this service: Use only: Enables this user only to use this service, and prevents this user from administering this service. If this user is not defined as an admin in the User Profile section, this is the only available option. Admin only: Enables this user to administer this service only, and prevents this user from using the service. This is the only available option if Admin only is selected at the company level and for this user. Available only if this user is defined as admin in the User Profile section. Both Admin and Use: Enables this user to both use and administer this service.available only if this user is defined as admin in the User Profile section. Note: For information on the admin function, see "Working with User Profiles" on page 149. Accounts This section specifies which accounts are available to this user in the Cheque Imaging service. To select all accounts for this service, select the check box in the column header. Note: If you use a select all or clear all check box in the title row, this applies only to the current accounts on the page. If new accounts are added in the future, by default, they are not assigned to the user; you must return to this page and make the appropriate updates. What do the buttons do? To collapse this section, click the Collapse button. To expand another section, click the Expand button. DIRECT CHEQUE/FIRST BANK AUTOMATED CLEARING SERVICES USER SERVICE ENTITLEMENTS How do I get here? The Direct Cheque/First Bank Automated Clearing Services section opens when you click the Expand button on the Direct Cheque/First Bank Automated Clearing Services title bar in any of the following pages: ONLINE BANKING FOR BUSINESS USER GUIDE PAGE 175

176 SERVICES REQUIRING ADDITIONAL USER SETUP My Profile Services (for details, see "Viewing Your Service Entitlements" on page 93) View User Services (for details, see "Viewing User Service Entitlements" on page 140) Modify User Services (for details, see "Modifying User Service Entitlements" on page 144) Create User Services (for details, see "Creating User Service Entitlements" on page 147) What can I do here? Use this section to specify this user's settings for the Direct Cheque/First Bank Automated Clearing Services service. What do the fields mean? Select the user function for this service: Use only: Enables this user only to use this service, and prevents this user from administering this service. If this user is not defined as an admin in the User Profile section, this is the only available option. Admin only: Enables this user to administer this service only, and prevents this user from using the service. This is the only available option if Admin only is selected at the company level and for this user. Available only if this user is defined as admin in the User Profile section. Both Admin and Use: Enables this user to both use and administer this service.available only if this user is defined as admin in the User Profile section. Note: For information on the admin function, see "Working with User Profiles" on page 149. DCH Sign on ID The sign-on ID for this user for the Direct Cheque/First Bank Automated Clearing Services service. If this is blank, the default is the user ID. Accounts You can entitle a user to the following services for each account in the list: Service Inquiry Image Search Stop Place Stop Remove Cheque Validation Decider Cheque Validation Approver Admin Description Enables the user to search for items on which to place stop payments or view cheque images. Enables the user to search for cheque images. Enables the user to place stop payments. Enables the user to remove a stop placed on a single cheque or multiple cheques. Enables the user to make decisions in the Cheque Validation module. Enables the user to approve decisions in the Cheque Validation module. Enables the user to administer this account. Available only if Use only or Both Admin and Use is selected above. ONLINE BANKING FOR BUSINESS USER GUIDE PAGE 176

177 SERVICES REQUIRING ADDITIONAL USER SETUP Note: If this service is not available for an account in general, it is not available to be entitled for a user. Note: If you use a select all or clear all check box in the title row, this applies only to the current accounts on the page. If new accounts are added in the future, by default, they are not assigned to the user; you must return to this page and make the appropriate updates. What do the buttons do? To collapse this section, click the Collapse button. To expand another section, click the Expand button. ELECTRONIC FUNDS TRANSFER USER SERVICE ENTITLEMENTS How do I get here? The Electronic Funds Transfer section opens when you click the Expand button Transfer title bar in any of the following pages: on the Electronic Funds My Profile Services (for details, see "Viewing Your Service Entitlements" on page 93) View User Services (for details, see "Viewing User Service Entitlements" on page 140) Modify User Services (for details, see "Modifying User Service Entitlements" on page 144) Create User Services (for details, see "Creating User Service Entitlements" on page 147) What can I do here? Use this section to specify this user's settings for the Electronic Funds Transfer (EFT) service. What do the fields mean? Select the user function for this service: Use only: Enables this user only to use this service, and prevents this user from administering this service. If this user is not defined as an admin in the User Profile section, this is the only available option. Admin only: Enables this user to administer this service only, and prevents this user from using the service. This is the only available option if Admin only is selected at the company level and for this user. Available only if this user is defined as admin in the User Profile section. Both Admin and Use: Enables this user to both use and administer this service.available only if this user is defined as admin in the User Profile section. Note: For information on the admin function, see "Working with User Profiles" on page 149. ONLINE BANKING FOR BUSINESS USER GUIDE PAGE 177

178 SERVICES REQUIRING ADDITIONAL USER SETUP EFT Sign on ID The sign-on ID for this user for the Electronic Funds Transfer service. If this is blank, the default is the user ID. Transit Access Each row displays a transit number available to the customer admin user. You can entitle a user to the following functionality for returns for each transit number in the list: Return Entry Verify Trace Admin Description Enables this user to enter returns. Available only if either Use only or Both Admin and Use is selected. Enables this user to verify returns. Available only if either Use only or Both Admin and Use is selected. Enables this user to trace returns. Available only if either Use only or Both Admin and Use is selected. Enables this user to administer returns. Available only if either Admin only or Both Admin and Use is selected. Tip: To entitle a user to all transit numbers for a return functionality, select the corresponding check box in the column heading. Note: If you use a select all or clear all check box in the title row, this only applies to the current transit numbers on the page. If new transit numbers are added in the future, by default, they will not be assigned to the user you must return to this page and make the appropriate updates. Service Agreement Access Each row displays a service agreement available to the customer admin user. You can entitle a user to the following functionality for each service agreement in the list. The functionality is available only if it is set up for the service agreement. Functionality Payments Entry Payments Verify Corrections Entry Corrections Verify Resubmit Entry Resubmit Verify Payment Transaction Limit File Approval Limit Tracing Recalls Admin Description Enables this user to enter payments. Enables this user to verify payments. Enables this user to enter corrections. Enables this user to verify corrections. Enables this user to enter resubmissions. Enables this user to verify resubmissions. The authorization limit for this user for entering and verifying payments, corrections, and resubmissions. Maximum value is 999,999, Available only if at least one of the Entry or Verify check boxes in the row is selected. Applies to one of the following situations: The approval limit for this user for releasing a payment file. Maximum value is 999,999, Available only if File Release and Payments are available for the service agreement, and if at least one of the Payments Entry or Payments Verify check boxes in the row is selected. or The confirmation limit for this user for file confirmations. Maximum value is 999,999, Available only if the File Confirmation service is set up for the service agreement, and if File Payments are not available for the service agreement. Enables this user to use the Tracing function to check the status of any released payment transaction. Available only if the Tracing function is set up for the service agreement. Enables this user to use the Recalls function to initiate a request to recall payment transactions that have been released to the main EFT system for processing. Available only if the Recalls function is set up for the service agreement. Enables this user to perform administer the service agreement. Available only if either Admin only or Both Admin and Use is selected for this user. ONLINE BANKING FOR BUSINESS USER GUIDE PAGE 178

179 SERVICES REQUIRING ADDITIONAL USER SETUP Tip: To select all the check boxes in a column, select the check box in the column heading. Note: If you use a select all or clear all check box in the title row, this only applies to the current service agreements on the page. If new service agreements are added in the future, by default, they will not be assigned to the user you must return to this page and make the appropriate updates. What do the buttons do? To collapse this section, click the Collapse button. To expand another section, click the Expand button. ERD USER SERVICE ENTITLEMENTS How do I get here? The Electronic Report Delivery (ERD) section opens when you click the Expand button any of the following pages: on the ERD title bar in My Profile Services (for details, see "Viewing Your Service Entitlements" on page 93) View User Services (for details, see "Viewing User Service Entitlements" on page 140) Modify User Services (for details, see "Modifying User Service Entitlements" on page 144) Create User Services (for details, see "Creating User Service Entitlements" on page 147) What can I do here? Use this section to specify this user's settings for the ERD service. What do the fields mean? Select the user function for this service: Use only: Enables this user only to use this service, and prevents this user from administering this service. If this user is not defined as an admin in the User Profile section, this is the only available option. Admin only: Enables this user to administer this service only, and prevents this user from using the service. This is the only available option if Admin only is selected at the company level and for this user. Available only if this user is defined as admin in the User Profile section. Both Admin and Use: Enables this user to both use and administer this service.available only if this user is defined as admin in the User Profile section. ONLINE BANKING FOR BUSINESS USER GUIDE PAGE 179

180 SERVICES REQUIRING ADDITIONAL USER SETUP Note: For information on the admin function, see "Working with User Profiles" on page 149. Select Reports and Accounts Use this section to indicate which reports for which accounts this user can access using the ERD service. The report list displays all ERD reports set up for your company. For a user to access the ERD Reports menu item in the ERD service, at least one report and account must be selected. Note: Selecting a check box for a report automatically selects the check boxes for that report for all accounts. However, clearing a check box for a report does not automatically clear the check boxes for that report for all accounts. When the check box for the report is selected, it indicates that the report is selected for at least one account. This is helpful for seeing which reports are selected for your company when the list of accounts under a report is collapsed. Selecting or clearing a check box for an account automatically clears the check box for the report. Click a plus icon Click a minus icon to expand a report and view all available accounts. to collapse the list of accounts under a report. What do the buttons do? To collapse this section, click the Collapse button. To expand another section, click the Expand button. FILE TRANSFER FACILITY USER SERVICE ENTITLEMENTS How do I get here? The File Transfer Facility section opens when you click the Expand button in any of the following pages: on the File Transfer Facility title bar My Profile Services (for details, see "Viewing Your Service Entitlements" on page 93) View User Services (for details, see "Viewing User Service Entitlements" on page 140) Modify User Services (for details, see "Modifying User Service Entitlements" on page 144) Create User Services (for details, see "Creating User Service Entitlements" on page 147) Note: This section initiates an to the FTF setup team. It does not complete a real-time user setup in FTF. ONLINE BANKING FOR BUSINESS USER GUIDE PAGE 180

181 SERVICES REQUIRING ADDITIONAL USER SETUP What can I do here? Use this section to specify this user's settings for the File Transfer Facility service. What do the fields mean? Select the user function for this service: Use only: Enables this user only to use this service, and prevents this user from administering this service. If this user is not defined as an admin in the User Profile section, this is the only available option. Admin only: Enables this user to administer this service only, and prevents this user from using the service. This is the only available option if Admin only is selected at the company level and for this user. Available only if this user is defined as admin in the User Profile section. Both Admin and Use: Enables this user to both use and administer this service.available only if this user is defined as admin in the User Profile section. Note: For information on the admin function, see "Working with User Profiles" on page 149. FTF Sign on ID The sign-on ID for this user for the File Transfer Facility service. If this is blank, the default is the user ID. Send File Enables this user to send files using this service. Receive File Enables this user to receive files using this service. File Types This section specifies the types of files that this user can send and receive. In the Others box, you can enter up to 2000 characters. ONLINE BANKING FOR BUSINESS USER GUIDE PAGE 181

182 SERVICES REQUIRING ADDITIONAL USER SETUP What do the buttons do? To collapse this section, click the Collapse button. To expand another section, click the Expand button. HOMEPAGE BALANCES USER SERVICE ENTITLEMENTS How do I get here? The Homepage Balances section opens when you click the Expand button in any of the following pages: on the Homepage Balances title bar My Profile Services (for details, see "Viewing Your Service Entitlements" on page 93) View User Services (for details, see "Viewing User Service Entitlements" on page 140) Modify User Services (for details, see "Modifying User Service Entitlements" on page 144) Create User Services (for details, see "Creating User Service Entitlements" on page 147) What can I do here? Use this section to specify this user's settings for the Homepage Balances service, which determines which accounts are displayed for this user in the My Balances section of the Home page. What do the fields mean? Select the user function for this service: Use only: Enables this user only to use this service, and prevents this user from administering this service. If this user is not defined as an admin in the User Profile section, this is the only available option. Admin only: Enables this user to administer this service only, and prevents this user from using the service. This is the only available option if Admin only is selected at the company level and for this user. Available only if this user is defined as admin in the User Profile section. Both Admin and Use: Enables this user to both use and administer this service.available only if this user is defined as admin in the User Profile section. Note: For information on the admin function, see "Working with User Profiles" on page 149. ONLINE BANKING FOR BUSINESS USER GUIDE PAGE 182

183 SERVICES REQUIRING ADDITIONAL USER SETUP Accounts This section displays all the accounts available to this user. To display an account in the My Balances section on this user's Home page, select the corresponding check box. To select all accounts, select the check box in the column heading. To restrict accounts from being displayed, clear the corresponding check boxes. Note: If you use a select all or clear all check box in the title row, this applies only to the current accounts on the page. If new accounts are added in the future, by default, they are not assigned to the user; you must return to this page and make the appropriate updates. Note: If a line-of-credit is associated with both an access card and an account number, the current balance is displayed for only one of these accounts in the My Balances section of the user s Home page. To display only one account in this scenario and hide the other, select or clear the check boxes accordingly. What do the buttons do? To collapse this section, click the Collapse button. To expand another section, click the Expand button. LOCKBOX IMAGING, RETAIL USER SERVICE ENTITLEMENTS How do I get here? The Lockbox Imaging (US) Retail section opens when you click the Expand button (US) Retail title bar in any of the following pages: on the Lockbox Imaging My Profile Services (for details, see "Viewing Your Service Entitlements" on page 93) View User Services (for details, see "Viewing User Service Entitlements" on page 140) Modify User Services (for details, see "Modifying User Service Entitlements" on page 144) Create User Services (for details, see "Creating User Service Entitlements" on page 147) What can I do here? Use this section to specify this user's settings for the Lockbox Imaging (US) Retail service. What do the fields mean? Select the user function for this service: ONLINE BANKING FOR BUSINESS USER GUIDE PAGE 183

184 SERVICES REQUIRING ADDITIONAL USER SETUP Use only: Enables this user only to use this service, and prevents this user from administering this service. If this user is not defined as an admin in the User Profile section, this is the only available option. Admin only: Enables this user to administer this service only, and prevents this user from using the service. This is the only available option if Admin only is selected at the company level and for this user. Available only if this user is defined as admin in the User Profile section. Both Admin and Use: Enables this user to both use and administer this service.available only if this user is defined as admin in the User Profile section. Note: For information on the admin function, see "Working with User Profiles" on page 149. Note: All the following fields are available only if Use only or Both Admin and Use is selected above. All retail lockbox functions Enables this user to access all Lockbox Imaging (US) Retail administrative functions, and automatically selects all other check boxes in this section. Note: Clearing any other check box in this section automatically clears this check box. All other fields Display the corresponding menu items in the Lockbox Imaging (US) Retail service for this user. What do the buttons do? To collapse this section, click the Collapse button. To expand another section, click the Expand button. RECON MANAGEMENT USER SERVICE ENTITLEMENTS How do I get here? The Recon Management section opens when you click the Expand button in any of the following pages: on the Recon Management title bar My Profile Services (for details, see "Viewing Your Service Entitlements" on page 93) View User Services (for details, see "Viewing User Service Entitlements" on page 140) Modify User Services (for details, see "Modifying User Service Entitlements" on page 144) Create User Services (for details, see "Creating User Service Entitlements" on page 147) ONLINE BANKING FOR BUSINESS USER GUIDE PAGE 184

185 SERVICES REQUIRING ADDITIONAL USER SETUP What can I do here? Use this section to specify this user's settings for the Recon Management service. What do the fields mean? Select the user function for this service: Use only: Enables this user only to use this service, and prevents this user from administering this service. If this user is not defined as an admin in the User Profile section, this is the only available option. Admin only: Enables this user to administer this service only, and prevents this user from using the service. This is the only available option if Admin only is selected at the company level and for this user. Available only if this user is defined as admin in the User Profile section. Both Admin and Use: Enables this user to both use and administer this service.available only if this user is defined as admin in the User Profile section. Note: For information on the admin function, see "Working with User Profiles" on page 149. All Recon Management functions Enables this user to access all Recon Management functions, and automatically selects all other check boxes in this section. Note: Clearing any other check box in this section automatically clears this check box. All other fields in this section Display the corresponding menu item in Recon Management for this user. Reports and Accounts with Check Range Use this section to indicate which Recon Management functions this user can access by account and check range. Only the accounts and check ranges set up for the companyand available for Recon Management are available to assign to users. Note: For a user to access the Recon Management service for an account, at least one service must be selected for an account. Account The account number entitled to the Recon Management service. ONLINE BANKING FOR BUSINESS USER GUIDE PAGE 185

186 SERVICES REQUIRING ADDITIONAL USER SETUP Account Name The account name entitled to the Recon Management service. All other columns Select a check box to display the corresponding menu item in Recon Management for this user for this account or check range. Note: Selecting a check box in a column heading automatically selects the check boxes for all accounts and check ranges for that menu item. Similarly, clearing a check box in a column heading automatically clears the check boxes for all accounts and check ranges for that menu item. Click a plus icon to expand an account and view all check ranges for an account. This icon is available only if at least one check range is specified for an account. Click a minus icon to collapse the list of check ranges for an account. Select a check box to enable the user to access the corresponding menu item in the Recon Management service. What do the buttons do? To collapse this section, click the Collapse button. To expand another section, click the Expand button. SAFEKEEPING USER SERVICE ENTITLEMENTS How do I get here? The Safekeeping section opens when you click the Expand button following pages: on the Safekeeping title bar in any of the My Profile Services (for details, see "Viewing Your Service Entitlements" on page 93) View User Services (for details, see "Viewing User Service Entitlements" on page 140) Modify User Services (for details, see "Modifying User Service Entitlements" on page 144) Create User Services (for details, see "Creating User Service Entitlements" on page 147) What can I do here? Use this section to specify this user's settings for the Safekeeping service. What do the fields mean? Select the user function for this service: ONLINE BANKING FOR BUSINESS USER GUIDE PAGE 186

187 SERVICES REQUIRING ADDITIONAL USER SETUP Use only: Enables this user only to use this service, and prevents this user from administering this service. If this user is not defined as an admin in the User Profile section, this is the only available option. Admin only: Enables this user to administer this service only, and prevents this user from using the service. This is the only available option if Admin only is selected at the company level and for this user. Available only if this user is defined as admin in the User Profile section. Both Admin and Use: Enables this user to both use and administer this service.available only if this user is defined as admin in the User Profile section. Note: For information on the admin function, see "Working with User Profiles" on page 149. All safekeeping functions Enables this user to access all Safekeeping functions, and automatically selects all other check boxes in this section. Available only if Both Admin and Use is selected in the section above. Note: Clearing any other check box in this section automatically clears this check box. Safekeeping Displays the Safekeeping menu item in Online Banking for Business for this user. Available only if either Use only or Both Admin and Use is selected in the section above. Safekeeping Admin Displays the Safekeeping Admin menu item in Online Banking for Business for this user. Available only if either Admin only or Both Admin and Use is selected in the section above. What do the buttons do? To collapse this section, click the Collapse button. To expand another section, click the Expand button. STOP PAYMENT (CANADA) USER SERVICE ENTITLEMENTS How do I get here? The Stop Payment (Canada) section opens when you click the Expand button title bar in any of the following pages: on the Stop Payment (Canada) My Profile Services (for details, see "Viewing Your Service Entitlements" on page 93) View User Services (for details, see "Viewing User Service Entitlements" on page 140) Modify User Services (for details, see "Modifying User Service Entitlements" on page 144) Create User Services (for details, see "Creating User Service Entitlements" on page 147) ONLINE BANKING FOR BUSINESS USER GUIDE PAGE 187

188 SERVICES REQUIRING ADDITIONAL USER SETUP What can I do here? Use the Stop Payment (Canada) section to specify this user's settings for the Stop Payment (Canada) service. What do the fields mean? Select the user function for this service: Use only: Enables this user only to use this service, and prevents this user from administering this service. If this user is not defined as an admin in the User Profile section, this is the only available option. Admin only: Enables this user to administer this service only, and prevents this user from using the service. This is the only available option if Admin only is selected at the company level and for this user. Available only if this user is defined as admin in the User Profile section. Both Admin and Use: Enables this user to both use and administer this service.available only if this user is defined as admin in the User Profile section. Note: For information on the admin function, see "Working with User Profiles" on page 149. All stop payment functions Enables this user to access all Stop Payment functions, and automatically selects all other check boxes in this section. Note: Clearing any other check box in this section automatically clears this check box. Cheque inquiry Enables this user to search for a single cheque or a range of cheques, in order to place stop payments. Place stop Enables this user to place stop payments. Cancel stop Enables this user to place stop payments. ONLINE BANKING FOR BUSINESS USER GUIDE PAGE 188

189 SERVICES REQUIRING ADDITIONAL USER SETUP All stop payment reports Enables this user to access all Stop Payment reports, and automatically selects all other check boxes in this section. Note: Clearing any other check box in this section automatically clears this check box. Detail report Enables this user to access the Detail report in Stop Payment. Summary report Enables this user to access the Summary report in Stop Payment. Accounts Use this section to define which accounts the user can access for the Stop Payment (Canada) service. To assign accounts for this service, select the corresponding check boxes. To select all accounts, select the check box at the top, left of the Bank column. To restrict accounts from this service, clear the corresponding check boxes. To select all accounts for this service, select the check box in the column header. Note: If you use a select all or clear all check box in the title row, this applies only to the current accounts on the page. If new accounts are added in the future, by default, they are not assigned to the user; you must return to this page and make the appropriate updates. What do the buttons do? To collapse this section, click the Collapse button. To expand another section, click the Expand button. STOP PAYMENT (US) USER SERVICE ENTITLEMENTS How do I get here? The Stop Payment (US) section opens when you click the Expand button any of the following pages: on the Stop Payment (US) title bar in My Profile Services (for details, see "Viewing Your Service Entitlements" on page 93) View User Services (for details, see "Viewing User Service Entitlements" on page 140) Modify User Services (for details, see "Modifying User Service Entitlements" on page 144) Create User Services (for details, see "Creating User Service Entitlements" on page 147) ONLINE BANKING FOR BUSINESS USER GUIDE PAGE 189

190 SERVICES REQUIRING ADDITIONAL USER SETUP What can I do here? Use this section to specify this user's settings for the Stop Payment (US) service. What do the fields mean? Select the user function for this service: Use only: Enables this user only to use this service, and prevents this user from administering this service. If this user is not defined as an admin in the User Profile section, this is the only available option. Admin only: Enables this user to administer this service only, and prevents this user from using the service. This is the only available option if Admin only is selected at the company level and for this user. Available only if this user is defined as admin in the User Profile section. Both Admin and Use: Enables this user to both use and administer this service.available only if this user is defined as admin in the User Profile section. Note: For information on the admin function, see "Working with User Profiles" on page 149. All stop payment functions Enable this user to access all Stop Payment (US) functions, and automatically selects all other check boxes in this section. Note: Clearing any other check box in this section automatically clears this check box. All other fields in the section Display the corresponding menu items in the Stop Payment (US) service for this user. Select accounts Use this section to indicate which accounts this user can access with the Stop Payment service. Only the accounts set up for the companyand available for Stop Payment are available to assign to users. Note: For a user to access the Stop Payment service, at least one account must be selected. To assign an account to the Stop Payment (US) service for this user, select the corresponding check box. To select all accounts, select the check box in the column heading. To restrict accounts from being displayed, clear the corresponding check boxes. ONLINE BANKING FOR BUSINESS USER GUIDE PAGE 190

191 SERVICES REQUIRING ADDITIONAL USER SETUP Note: If you use a select all or clear all check box in the title row, this applies only to the current accounts on the page. If new accounts are added in the future, by default, they are not assigned to the user; you must return to this page and make the appropriate updates. What do the buttons do? To collapse this section, click the Collapse button. To expand another section, click the Expand button. SYSTEM MAIL USER SERVICE ENTITLEMENTS How do I get here? The System Mail section opens when you click the Expand button following pages: on the System Mail title bar in any of the My Profile Services (for details, see "Viewing Your Service Entitlements" on page 93) View User Services (for details, see "Viewing User Service Entitlements" on page 140) Modify User Services (for details, see "Modifying User Service Entitlements" on page 144) Create User Services (for details, see "Creating User Service Entitlements" on page 147) What can I do here? Use this section to indicate which bank users this customer can contact using the System Mail service. The list displays all bank contacts set up for this customer. Select the bank contacts this corporate user can send messages to. To select all default recipients that were defined when the company was set up, select Use customer default list of recipients. To select individual recipients, select Select recipients, then select or clear the appropriate checkboxes. To select or clear all users, select the check box at the top, left of the User ID column. ONLINE BANKING FOR BUSINESS USER GUIDE PAGE 191

192 SERVICES REQUIRING ADDITIONAL USER SETUP What do the buttons do? To collapse this section, click the Collapse button. To expand another section, click the Expand button. TAX & BILL PAYMENTS USER SERVICE ENTITLEMENTS How do I get here? The Tax & Bill Payments section opens when you click the Expand button in any of the following pages: on the Tax & Bill Payments title bar My Profile Services (for details, see "Viewing Your Service Entitlements" on page 93) View User Services (for details, see "Viewing User Service Entitlements" on page 140) Modify User Services (for details, see "Modifying User Service Entitlements" on page 144) Create User Services (for details, see "Creating User Service Entitlements" on page 147) What can I do here? Use the Tax & Bill Payments section to specify this user's settings for the Tax & Bill Payments service. What do the fields mean? Select the user function for this service: Use only: Enables this user only to use this service, and prevents this user from administering this service. If this user is not defined as an admin in the User Profile section, this is the only available option. Admin only: Enables this user to administer this service only, and prevents this user from using the service. This is the only available option if Admin only is selected at the company level and for this user. Available only if this user is defined as admin in the User Profile section. Both Admin and Use: Enables this user to both use and administer this service.available only if this user is defined as admin in the User Profile section. Note: For information on the admin function, see "Working with User Profiles" on page 149. Payment Profiles list This list displays all payment profiles for your company. Select the payment profiles to assign to this user. For each payment profile you assign to this user, you also specify whether the user is an admin or a filer, and the transaction limit for the user. ONLINE BANKING FOR BUSINESS USER GUIDE PAGE 192

193 SERVICES REQUIRING ADDITIONAL USER SETUP Column headings Profile ID Admin Filer The profile name and profile ID, which identify the payment profile. Enables this user to add payment types for this payment profile. If Admin only is selected above, then only this radio button is available. Enables this user to make payments for this payment profile. If either Use only or Both Admin and Use is selected above, then this radio button is the default selection. Transaction Limit The maximum payment amount that this user can approve for this payment profile. The value must be between 1 and 99,999,9999. Note: Do not user commas to separate numeric values. For instance, enter ten thousand dollars as $10000 not as $10, Use proper punctuation for dollar and cent amounts. What do the buttons do? To collapse this section, click the Collapse button. To expand another section, click the Expand button. WIRE PAYMENT (CANADA) USER SERVICE ENTITLEMENTS How do I get here? The Wire Payment (Canada) section opens when you click the Expand button title bar in any of the following pages: on the Wire Payment (Canada) My Profile Services (for details, see "Viewing Your Service Entitlements" on page 93) View User Services (for details, see "Viewing User Service Entitlements" on page 140) Modify User Services (for details, see "Modifying User Service Entitlements" on page 144) Create User Services (for details, see "Creating User Service Entitlements" on page 147) ONLINE BANKING FOR BUSINESS USER GUIDE PAGE 193

194 SERVICES REQUIRING ADDITIONAL USER SETUP What can I do here? Use the Wire Payment (Canada) section to specify this user's settings for the Wire Payment (Canada) service. What do the fields mean? Select the user function for this service: Use only: Enables this user only to use this service, and prevents this user from administering this service. If this user is not defined as an admin in the User Profile section, this is the only available option. Admin only: Enables this user to administer this service only, and prevents this user from using the service. This is the only available option if Admin only is selected at the company level and for this user. Available only if this user is defined as admin in the User Profile section. Both Admin and Use: Enables this user to both use and administer this service.available only if this user is defined as admin in the User Profile section. Note: For information on the admin function, see "Working with User Profiles" on page 149. ONLINE BANKING FOR BUSINESS USER GUIDE PAGE 194

195 SERVICES REQUIRING ADDITIONAL USER SETUP Transaction Initiation All wire functions Enables this user to access all wire functions, and automatically selects all other check boxes in this section. Note: Clearing any other check box in this section automatically clears this check box. All other fields in this section Enable this user to access the corresponding functionality in the Wire Payment service. Template Maintenance All wire template functions Enables this user to access all wire template functions, and automatically selects all other check boxes in this section. Note: Clearing any other check box in this section automatically clears this check box. All other fields in this section Enable this user to access the corresponding functionality in the Wire Payment service. Approvals for template creation The number of approvals required when creating a template. This is a number between 0 and 9. Input Types, Approvals and Limits Use this section to set: which wire input types require approvals. the number of approvals required for each type. the entry limits and approval limits for each type. Wire Types Freeform: This specifies the approvals for freeform wire input. Commercial Input Type: This check box is available only if the Create freeform check box is selected in the Transaction Initiation section, above. Commercial Approval: This spinner is available only if the Commercial Input Type check box is selected in this row. This is a number between 0 and 9. Bank to bank Input Type: This check box is available only if the Create freeform check box is selected in the Transaction Initiation section, above. Bank to bank Approval: This spinner is available only if the Bank to bank Input Type check box is selected in this row. This is a number between 0 and 9. Customer template: This specifies the approvals for customer-template wire input. Commercial Input Type: This check box is available only if the Create from template check box is selected in the Transaction Initiation section, above. Commercial Approval: This spinner is available only if the Commercial Input Type check box is selected in this row. This is a number between 0 and 9. Bank to bank Input Type: This check box is available only if the Create from template check box is selected in the Transaction Initiation section, above. ONLINE BANKING FOR BUSINESS USER GUIDE PAGE 195

196 SERVICES REQUIRING ADDITIONAL USER SETUP Bank to bank Approval: This spinner is available only if the Bank to bank Input Type check box is selected in this row. This is a number between 0 and 9. Bank template: This specifies the approvals for bank-template wire input. Entry limits Commercial Input Type: This check box is available only if the Create from template check box is selected in the Transaction Initiation section, above. Commercial Approval: This spinner is available only if the Commercial Input Type check box is selected in this row. This is a number between 0 and 9. Bank to bank Input Type: This check box is available only if the Create from template check box is selected in the Transaction Initiation section, above. Bank to bank Approval: This spinner is available only if the Bank to bank Input Type check box is selected in this row. This is a number between 0 and 9. These are the total values that can be entered in a single day by this user. The default values are 999,999,999,999, which are also the maximums. These values cannot exceed the corresponding values defined for the company. Daily cumulative limit: $ CAD The maximum total amount of Canadian dollars permitted to be entered in this service in a single day. Freeform transaction limit: $ CAD The maximum amount of Canadian dollars permitted to be entered in a freeform transaction. Repetitive transaction limit: $ CAD The maximum amount of Canadian dollars permitted to be entered in repetitive transactions. Approval limits These are the total values that can be approved in a single day by this user. The default values are 999,999,999,999, which are also the maximums. Daily cumulative limit: $ CAD The maximum total amount of Canadian dollars permitted to be approved in this service in a single day. Freeform transaction limit: $ CAD The maximum amount of Canadian dollars permitted to be approved in a freeform transaction. Repetitive transaction limit: $ CAD The maximum amount of Canadian dollars permitted to be approved in repetitive transactions. Wire Reports All wire reports Enables this bank user to access all wire reports, and automatically selects all other check boxes in this section. Note: Clearing any other check box in this section automatically clears this check box. All other fields Enable this user to access the corresponding wire reports in the Wire Payment service. Accounts This section specifies which accounts are available to this user in this service. ONLINE BANKING FOR BUSINESS USER GUIDE PAGE 196

197 SERVICES REQUIRING ADDITIONAL USER SETUP The Debit check box is available for an account only if debit is allowed for this account for the Wire Payment service. The Credit check box is available for an account only if credit is allowed for this account for the Wire Payment service. To select all accounts for debit, select the Debit check box in the column header. To select all accounts for credit, select the Credit check box in the column header. Note: If you use a select all or clear all check box in the title row, this applies only to the current accounts on the page. If new accounts are added in the future, by default, they are not assigned to the user; you must return to this page and make the appropriate updates. What do the buttons do? To collapse this section, click the Collapse button. To expand another section, click the Expand button. WIRE PAYMENT (US) USER SERVICE ENTITLEMENTS How do I get here? The Wire Payment (US) section opens when you click the Expand button any of the following pages: on the Wire Payment (US) title bar in My Profile Services (for details, see "Viewing Your Service Entitlements" on page 93) View User Services (for details, see "Viewing User Service Entitlements" on page 140) Modify User Services (for details, see "Modifying User Service Entitlements" on page 144) Create User Services (for details, see "Creating User Service Entitlements" on page 147) What can I do here? Use this section to specify this user's settings for the Wire Payment (US) service. ONLINE BANKING FOR BUSINESS USER GUIDE PAGE 197

198 SERVICES REQUIRING ADDITIONAL USER SETUP What do the fields mean? Select the user function for this service: Use only: Enables this user only to use this service, and prevents this user from administering this service. If this user is not defined as an admin in the User Profile section, this is the only available option. Admin only: Enables this user to administer this service only, and prevents this user from using the service. This is the only available option if Admin only is selected at the company level and for this user. Available only if this user is defined as admin in the User Profile section. Both Admin and Use: Enables this user to both use and administer this service.available only if this user is defined as admin in the User Profile section. Note: For information on the admin function, see "Working with User Profiles" on page 149. All wire transfer administrative functions Enable this user to access all Wire Payment (US) administrative functions, and automatically selects all other check boxes in this section. Note: Clearing any other check box in this section automatically clears this check box. Bank short list Displays the Bank Short List menu item in Wire Payment (US) for this user. Map definitions Displays the MT Map Definitions menu item in Wire Payment (US) for this user. Work Groups Displays the MT Work Group menu item in Wire Payment (US) for this user. All wire transfer user functions Enables this user to access all Wire Payment (US) user functions, and automatically selects all other check boxes in this section. Note: Clearing any other check box in this section automatically clears this check box. All other fields Display the corresponding menu item in Wire Payment (US) for this user. Accounts Use this section to indicate which accounts this user can access with the Wire Payment (US) service. Only the accounts set up for the companyand available for Wire Payment (US) are available to assign to users. Only the accounts set up for the customer and available for Wire Transfers are available to assign to users. The report list displays all accounts set up for your company and assigned to you. To apply the same values in a column to all the accounts for this user, enter a value or select a check box in the title row. Note: If you use a select all or clear all check box in the title row, this applies only to the current accounts on the page. If new accounts are added in the future, by default, they are not assigned to the user; you must return to this page and make the appropriate updates. ONLINE BANKING FOR BUSINESS USER GUIDE PAGE 198

199 SERVICES REQUIRING ADDITIONAL USER SETUP Max entry: The maximum value that this user can enter for an individual wire payment for an account. The maximum value is 9,999,999, If this is blank, then there is no limit. Per day: The maximum value that this user can enter for all wire payments on a single day for an account. The maximum value is 9,999,999, If this is blank, then there is no limit. Max approval:the maximum value that this user can approve for an individual wire payment for an account. The maximum value is 9,999,999, If this is blank, then there is no limit. Per day: The maximum value that this user can approve for all wire payments on a single day for an account. The maximum value is 9,999,999, If this is blank, then there is no limit. Template only: This user can only modify wire templates for an account. Templates enable users to set up repetitive wire payments based on the settings specified there. Drawdowns: This user can use the Drawdown feature for an account. This feature enables corporate customers to request another financial institution to debit funds from an account there and credit the funds to the company's account at the bank. Security release: This user can use the Security Release feature for an account. This feature enables designated users to provide a final level of approval before the system processes wire payments. What do the buttons do? To collapse this section, click the Collapse button. To expand another section, click the Expand button. ONLINE BANKING FOR BUSINESS USER GUIDE PAGE 199

200 MANAGING APPROVALS MANAGING APPROVALS Overview The Manage Approvals menu is displayed only for users with approval privileges. Creating, modifying, and deleting users requires approval. You cannot approve a user that you created, modified, or deleted. Your company's approval level is set between from zero and three. Each level of approval level means that one other user must always check and approve these actions. If the approval level has been set to zero, then your company does not require the approval process. What can I do? The approval process starts in the Approve User page, where you search for users to approve. From there you can: Approve or reject in bulk by selecting multiple rows at a time. When you do this, the system prompts you to confirm that you want to complete the mass approval or rejection without reviewing each user first. Review one user at a time, and from there, modify, approve, or reject. Where should I go from here? For information on approving users, see "Approving Users" on page 200. APPROVING USERS How do I get here? The Approve User page opens when you select Administration & Preferences > Manage Approvals > Approve User from the menu. ONLINE BANKING FOR BUSINESS USER GUIDE PAGE 200

201 MANAGING APPROVALS What can I do here? Use this page to search for pending approvals, and then either review, approve, or reject them. What do the fields mean? User Search and Results User ID The unique identification number automatically assigned to the user by the system. First name The first name of the customer. Last name The last name of the customer. Initiated by The name of the person who created, changed, or deleted the user. Initiated on Action The date the user was created, changed, or deleted. The type of update requiring approval. Values include Creation, Modification, or Deletion. Approvals Remaining The number of approvals still required, based on your company's settings for admin approvals. What do the buttons do? To search for specific users pending approval, enter the appropriate details in the fields, then click Search. See below for descriptions of the search fields. To review a user, select the corresponding row, then click Review. For more information, see "Reviewing a User" on page 202. To approve one or more users, select the corresponding rows, then click Approve. A message asks you are sure that you want to approve users without reviewing first. Clicking Approveopens the confirmation page where you click OK. Clicking Cancelreopens the original list of user pending approval. To reject one or more users, select the corresponding rows, then click Reject. A message asks if you are sure that you want to reject users without reviewing first; it also asks that you enter a Reject Reason. Clicking Reject opens the confirmation page where you click OK. Clicking Cancel reopens the original list of pending approvals. ONLINE BANKING FOR BUSINESS USER GUIDE PAGE 201

202 MANAGING APPROVALS REVIEWING A USER How do I get here? The Approve User View User review page opens when you select a user pending approval in the Approve Users page, and click Review. What can I do here? Use this page to review a user pending approval, and then either modify, approve, or reject it. Notice that the system highlights the updates on the page. ONLINE BANKING FOR BUSINESS USER GUIDE PAGE 202

203 MANAGING APPROVALS What do the fields mean? User Profile User ID Status The ID with which the user logs into the Online Banking for Business website. Minimum length is 2 characters. Maximum length is 12 characters. Not case sensitive. The user ID cannot contain underscores ( _ ). You cannot modify the user ID after the user profile is created. The status of the user. For a list and description of user statuses, see "User Statuses" on page 131. Note: If you want the user to be active in the system after approval, you must set this field to Active. Approval does not change the user status. First name The first name of the user. Maximum length is 20 characters. Creation date The date on which the user defined in this user profile was created. This is automatically filled by the system. Last name Admin The last name of the user. Maximum length is 20 characters. Indicates that this user is assigned the administrator roles in subscribed services. Self-serve password reset Indicates that this user can reset the password with a temporary password if the user forgets the original password. Contact information These fields contain contact information for this user. Address line 1 Phone The first line of the address. P.O. boxes are not allowed. Maximum length is 40 characters. The phone number can include the phone extension number and the phone type, such as mobile. Maximum length is 25 characters. Address line 2 City Fax Country The second line of the address. P.O. boxes are not allowed. Maximum length is 40 characters. The user's address. Maximum length is 100 characters. The user's city. Maximum length is 40 characters. The user's fax number. Maximum length is 25 characters. The user's country. ONLINE BANKING FOR BUSINESS USER GUIDE PAGE 203

204 MANAGING APPROVALS Language The language in which Online Banking for Business is displayed for this user. State/Province The state in the U.S., or the province in Canada. Time zone The time zone for this user. This determines the time and date displayed in Online Banking for Business; for example, the time when financial transactions occur. Postal code For Canada, this is the postal code in the following format: A1B 2C3. For the U.S., this is the zip code in one of the following formats: or Maximum length is 20 characters. SecurID Settings This section determines the settings when using a SecurID token. SecurID required at login Indicates if a SecurID token is required when this user logs in.read only. By default, for new users, this has the same setting as the company-level setting. Deliver New SecurID token Type Indicates if users require a SecurID token. Indicates the type of SecurID token requested to be sent to the user. Enabled only if SecurID token required, above, is selected. Supported token types include: Hardware, Software PC, Software Blackberry, Software Both. SecurID UserID The user's SecurID user ID to use with the SecurID token. Read only. What do the buttons do? To open the second user setup page, with the listed service attributes, click Next. To modify the user, click Modify. The Modify User page opens, displaying the changes. For more information, see "Modifying a User" on page 142. To approve the item, click Approve. The confirmation page opens. Click OK. To reject the item, click Reject. The confirmation page opens. Click OK. To return to the previous page without saving changes, click Cancel. ONLINE BANKING FOR BUSINESS USER GUIDE PAGE 204

205 AUDIT REPORTS AUDIT REPORTS The Reports page opens when you select Administration and Preferences > Audit Reports from the menu. The following administration reports are available in this section: "User Activity Audit Report" on page 206 "User Access Change Report" on page 205 Service Activity Audit (US)* Service Entitlements (US)* Note: For information on these reports, please refer to the Directline US online help. USER ACCESS CHANGE REPORT The User Access Change Report generation page opens when you select Administration & Preferences > Audit Reports > User Access Change Report from the menu. What can I do here? Use this page to enter parameters for the User Access Change report. This report tracks changes to user records by User ID, action, section, change type, executor, approver, date, and time. What do the fields mean? User ID Optional. The user's unique ID for logging into Online Banking for Business. You can select a single user or you can select All from the top of the list to generate a report on all users. From date To date Mandatory. The start date for the report data. Click the Calendar icon to select a date. Date range must not exceed 30 days. This date can be up to two years prior to the current date. Mandatory. The end date for the report data. Click the Calendar icon exceed 30 days. What do the buttons do? To generate the report and export it to PDF, click Generate report PDF. to select a date. Date range must not ONLINE BANKING FOR BUSINESS USER GUIDE PAGE 205

206 AUDIT REPORTS A File Download dialog box opens. To save the PDF to your computer for later viewing, click Save, or to open the PDF with Adobe Acrobat Reader, click Open. To exit without saving your changes, click Cancel. To generate the report and export it to CSV format, click Generate report CSV. A File Download dialog box opens. To save the CSV to your computer for later viewing, click Save, or to open the CSV with a text editor or Microsoft Excel, click Open. To exit without saving your changes, click Cancel. USER ACTIVITY AUDIT REPORT The User Activity Audit Report generation page opens when you select Administration & Preferences > Audit Reports > User Activity Audit from the menu. What can I do here? Use this page to enter parameters for the User Activity Audit report. This report tracks the following types of user activities by user ID, user name, activity, item, action, and date: Logging in both successful and failed attempts Logging out both deliberately and by timeout Password reset by admin Self password reset requesting temporary password using the self-serve password reset service Managing Users Creating a user Modifying a user Deleting a user Approving a user Rejecting a user Locking a user password lock, admin lock, inactive lock Resetting a SecurID PIN Enabling a SecurID token Disabling a SecurID token Reassigning SecurID Token from user specifies the former user and the current user Menu navigation US, Canada, DirectLine Europe Managing Accounts ONLINE BANKING FOR BUSINESS USER GUIDE PAGE 206