Online Banking for Business ACCOUNT INFORMATION & TRANSFERS USER GUIDE

Transcription

1 Online Banking for Business ACCOUNT INFORMATION & TRANSFERS USER GUIDE

2 Contents Contents... 2 Online Banking for Business Getting Started... 4 supported browsers... 5 Minimum system requirements... 5 Account Information... 6 Reporting... 6 Getting Started with Reports... 6 You will be charged for saved customized reports and for downloaded reports Customer Template reports:... 6 User Template Reports:... 6 Report Descriptions... 7 Current Account Balances or Cash Position only... 7 Current or Previous day s account information with Balances and Details... 7 Current or Previous day s account Details only... 7 Current or Previous days Download files... 7 Generating a Bank Report... 7 Generating a Current Day Report... 8 Customizing a Report... 8 Creating a Template Based on a Report... 9 Report Templates Modifying Templates Editing the Reports List Deleting Templates Performing a Transaction Search Performing an Image Search Technical Requirements Features of CHeque Image Search Searchable Cheque Images Retrieval of Cheque Images Account Groups Adding an Account Group Modifying Account Groups Deleting Account Groups estatements Viewing estatements Account Transfers Creating a Transfer For assistance, please call the Help Desk at

3 Creating a Single-Currency Transfer Creating a Cross-Currency Transfer Creating a Concentration Account Transfer Creating a Single Cross Border Account Transfer Creating a Scheduled Cross Border Account Transfer Creating a Transfer from a Template Modifying or deleting a Transfer Modifying or Deleting a Scheduled Cross Border Account Transfer Modifying a Future-Dated Transfer Deleting a Future-Dated Transfer Transfer Templates Creating a Transfer Template Modifying a Transfer Template Generating a Transfer Template Report Transfer Reporting Getting Started with Reports Bank maintained reports Customer maintain reports User maintained reports Generating an Account Transfer Report Customizing a Report Template Managing Transfer Reports Saving a Report Template Modifying a Report Template Deleting a Report Template Adding/Removing Transfer Reports Account Transfer Business Rules Stop Payments Performing a Cheque Inquiry Placing a Single Stop Payment Placing Multiple Stop Payments Placing a Range of Stop Payments Placing a Pre-Authorized Debit Stop Payment Removing a Stop Payment Stop Payment Reporting Getting Started with Reports Bank maintained reports Customer maintained reports User maintained reports Generating a Report Customizing a Report Managing Stop Reports Saving a Report Template Modifying a Report Template Deleting a Report Template Adding/Removing Stop Payment Reports For assistance, please call the Help Desk at

4 Getting Started Welcome to Online Banking for Business, a powerful suite of web-based treasury management tools to help you manage cash flow easily, effectively and strategically. Our 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. For assistance, please call the Help Desk at

5 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). Contact Us Online Banking for Business Help desk can be reached at: (416) (Local GTA) (North America) Our hours of service are 7:30 a.m. - 7:00 p.m. EST Monday to Friday. For assistance, please call the Help Desk at

6 Account Information The Online Banking for Business platform gives you real-time balance and transaction details to help forecast cash flow, check the availability of funds, and make informed business decisions. Account Information allows you to: Access all of your cash management reports from one place Instantly generate real-time cash position summaries Generate up-to-the-minute balance reports View account activity for the previous 190 days (up to 25 months if you sign for archiving) Access bank report templates or create your own Download reporting information into your A/R system, a spreadsheet, or a database. The following section provides you with instructions on how to use Account Information within the Online Banking for Business web site. REPORTING GETTING STARTED WITH REPORTS Before getting started with Reporting, there are some concepts you should be familiar with. The Account Information module allows you to work with 3 basic types of reports: 1. Bank reports These are standard reports, defined by the Bank and made available for selection from the My Reports screen. Bank reports cannot be modified or deleted by the user. They can be customized on a one-off basis as required, and then generated. 2. Customer/User Template reports Entitled users can generate and customize (remove details and/or reorder information) Bank reports as needed. Once a Bank Report is modified, it becomes a Customer/User Template and can either be saved for future use, or discarded. Through the use of templates, you can create reports which track account information by region, lines of business, or whichever method best suits your business needs. You will be charged for saved customized reports and for downloaded reports. Customer Template reports: If you save a report as a Customer Template, it will be available for use by all entitled users within your company. Whenever a change is made to a Customer Template Report, that change occurs across the company. User Template Reports: If you save a report as a User Template, it will be available to use only by you. For assistance, please call the Help Desk at

7 REPORT DESCRIPTIONS Each report displays data for the accounts and the date or date range selected as long as you have access to the account. The following provides a brief description of each report. CURRENT ACCOUNT BALANCES OR CASH POSITION ONLY CURRENT DAY REPORT Displays only the Current Balance and all debits and credits for each account. CASH POSITION REPORT Provides all balances and summary amounts for each account and totals the balances across all accounts by currency. CURRENT OR PREVIOUS DAY S ACCOUNT INFORMATION WITH BALANCES AND DETAILS RECONCILIATION REPORT Used for reconciling your account balances and detail information by processing date. STATEMENT REPORT Used for reconciling your account balances and detail information by value date. CURRENT OR PREVIOUS DAY S ACCOUNT DETAILS ONLY DETAIL REPORT Provides detailed transaction information on all accounts, no balance information is included FCCS/FBPS DETAIL REPORT Provides detailed transaction information on FCCS/FBPS accounts, no balance information is included. CURRENT OR PREVIOUS DAYS DOWNLOAD FILES CSV Enables you to download a file in a comma separated value format to export into another system. Provides all accounts summary and detail information BAI Enables you to download a file in standard BAI v2 format to export information into another system. Provides all accounts summary and detail information GENERATING A BANK REPORT You can easily generate reports, which can be viewed directly within your browser, or downloaded to a file. To generate a report, follow these steps. 1. From the Account Info menu and then select Generate Reports.. The My Reports screen is displayed. 2. On the My Reports screen, select the Type of date you want to include in the report from the drop-down list. You can select either Processing date or Value date. Type of date is not available for all reports which are downloaded. 3. Click on the Calendar icon by the Specify date range fields to select the range of dates you want the report to cover from the Calendar window, or enter the dates in DD- For assistance, please call the Help Desk at

8 MM-YYYY format. For example, If you don't enter a date, this system will enter today's date. OR 4. Select the Display new data only check box to display only those transactions entered on the current day. 5. Select radio button next to the report you want to generate. 6. Click Generate. 7. If this is a report, the information displays in a separate window. Use the Print button on your browser's toolbar to print the report. 8. If this is a BAI or CSV data output file, the File Download dialog box displays. Specify if you would like to open the file from its current location or save to disk and click OK. GENERATING A CURRENT DAY REPORT A current day report contains information about debits, credits and ending balances that forecast the cash position of selected accounts. The current day is calculated using data from current day databases. To generate a current day report, follow these steps. 1. From the Account Info menu and then select Generate Current Day. The Current Day screen is displayed. 2. In the Balance type field, indicate if you want to include the Ledger balance, or the Available balance. 3. Select the check boxes next to the accounts that you want to include. A separate cash position report will be generated for each account selected. 4. Click Generate. The Current Day Results screen displays the balance information for each account you have selected. If you selected more than one account, click Next to view the next report. CUSTOMIZING A REPORT To create new report templates based on existing reports, follow these steps. 1. From the Account Info menu and then select Generate Reports. The My Reports screen is displayed. 2. From the List of reports, select the one which you want to customize and click the Customize this report button. The Account Info Reporting - Account Selection screen is displayed. 3. Select the check boxes next to the accounts you want to include in the report and click Next. To include all of the accounts listed, click the Select all check box in the heading. The Account Info Reporting - Customize Data screen is displayed. 4. Select the Balance types you want included in the report by highlighting the balance type and clicking on the Single add button. You can also add all types by clicking the Add all buttons. 5. Select the Summary group and Detail group you want to include by selecting the Code group from the drop-down list. Depending on your selection, the available groups are determined. For assistance, please call the Help Desk at

9 6. Once complete, click Next. The Account Info Reporting - Optional Report Criteria screen is displayed. 7. Enter a range in the Minimum and Maximum Fields based on the information listed below: Bank Reference: Cheque numbers posted to current accounts Customer Reference: FCCS/FBPS Division-Outlet ID / Customer ID Branch Id: Branch of Deposit Id, only displays when customizing the FCCS/FBPS Detail Report and the CSV download. Click Next. The Account Info Reporting Specify Output Options screen is displayed. 8. From the Sort accounts by drop-down list select the order in which you want the account sorted. If you select Personalize order, you must specify the order for account sequences and group sequences. 9. Select the Show grand totals check box if you want to report to display grand totals. For the FCCS/FBPS detail report, select the show grand totals and/or pre-date or current day or a combination of both pre-date and current. 10. Select the transaction sort order for the report from the drop-down list. From the Output Format dropdown list select whether you want your report formatted as the Print version, a CSV download, or a BAI download if applicable (the Output Format displays the report format that was selected on the My Reports screen). 11. Do one of the following: Click Generate to view the report. The report displays in a separate window. Use the Print button on your browser's toolbar to print the report. Click Next to save the report as a report template. Click Previous to return to the previous screen. Click Cancel to return to the My Reports screen without saving your settings. CREATING A TEMPLATE BASED ON A REPORT To create a new report based on an existing report template, follow these steps. 1. From the Account Info menu and then select Create/Modify Report Templates.. The Account Info Reporting - Template Maintenance screen is displayed. 2. From the List of reports, select the one on which you want to base your new template. Click the Create Like button. The Account Info Reporting - Create Like - Template screen is displayed. 3. Enter a report name and description for your report in the appropriate fields. 4. Select whether you want this report to be a Customer report, in which case it's available to other users; or a User report, which will only be available to you. 5. Select the Add to my reports check box to have this report appear in your list of reports. Click Next. The Account Info Reporting - Account Selection screen is displayed. 6. Select the check boxes next to the accounts you want to include in the report, or click Switch to groups to add account groups to the report. Once complete, click Next. The Account Info Reporting - Customize Data screen is displayed. For assistance, please call the Help Desk at

10 7. Select the Balance types you want included in the report by highlighting the balance type and clicking on the single arrow button. You can also add all types by clicking the double arrow button. 8. Select the Detail group you want to include by selecting the Code group from the dropdown list. Depending on your selection, the available groups are determined. 9. Once complete, click Next. The Account Info Reporting - Optional Report Criteria screen is displayed. 10. Enter a range in the Minimum and Maximum Fields based on the information listed below: Bank Reference: Cheque numbers posted to current accounts Customer Reference: FCCS/FBPS Division-Outlet ID / Customer ID Branch Id: Branch of Deposit Id, only displays when customizing the FCCS/FBPS Detail Report and the CSV download. Click Next. The Account Info Reporting Specify Output Options screen is displayed. 11. From the Sort accounts by drop-down list select the order in which you want the account sorted. If you select Personalize order, you must specify the order for account sequences and group sequences. 12. Select the Show grand totals check box if you want to report to display grand totals. For the FCCS/FBPS detail report, select the show grand totals and/or pre-date or current day or a combination of both pre-date and current. 13. Select the transaction sort order for the report from the drop-down list. 14. From the Output Format dropdown list select whether you want your report formatted as the Print version, a CSV download, or a BAI download if applicable. 15. Once complete, click Save. You are returned to the Account Info Reporting - Template Maintenance screen with your new report in the list. REPORT TEMPLATES MODIFYING TEMPLATES You cannot modify Bank level reports. You can customize them and save them as a User or Customer level Report template which can then be customized as required. To modify report templates which either you or another user in your company has defined, follow these steps. 1. From the Account Info menu and then select Create/Modify Report Templates. 2. Select the radio button next to the report template you want to modify. 3. Click modify. The Account Info Reporting - Modify Report Template screen is displayed. 4. Modify the template information as desired. You can change the description of the report, who maintains the report, and select the Add to my reports check box to have this report appear on your list of reports. 5. Once complete, Click Next. The Account Info Reporting - Account Selection screen is displayed. For assistance, please call the Help Desk at

11 6. Select the accounts you want the report to cover by selecting the check boxes next to them. To add all accounts to the report, click the Select all check box in the heading. Click on Switch to groups to select groups of accounts. 7. Click Next. The Account Info Reporting - Customize Data screen is displayed. Select the balance types, and detail groups for your report as required. 8. Once complete, click Next. The Account Info Reporting - Optional Report Criteria screen is displayed. Enter a range in the Minimum and Maximum Fields based on the information listed below: Bank Reference: Cheque numbers posted to current accounts Customer Reference: FCCS/FBPS Division-Outlet ID / Customer ID Branch Id: Branch of Deposit Id, only displays when customizing the FCCS/FBPS Detail Report and the CSV download. 9. Click Next. The Account Info Reporting - Specify Output Options screen is displayed. Select the account sorting, and transaction sorting options for your report. Select the Show grand totals check box if you want the report to display grand totals. For the FCCS/FBPS detail report select the show grand totals and/or pre-date or current day or a combination of both pre-date and current. 10. From the Output Format dropdown list select whether you want your report formatted as the Print version, a CSV download, or a BAI download if applicable. 11. Once complete, click Save. You are returned to the Account Info Reporting - Template Maintenance screen. EDITING THE REPORTS LIST Online Banking for Business allows you to determine which reports appear on the My Reports screen and the order in which they appear. To edit your reports list, follow these steps. 1. From the Account Info menu and then select Generate Reports. The My Reports screen is displayed. 2. On the My Reports screen, click Add/Remove Reports from this list. The Add/Remove My Reports screen is displayed. To add reports to My Reports, select the reports you want to add from the Available reports box and click the single arrow button. To add all of the reports at once, select the double arrow button. To move reports from My reports to the Available reports list, select the reports you want to move and click the single arrow button. To move all of the reports at once, select the double arrow button. To change the report order within your list, highlight a report from the My Reports list and click either Move report up or Move report down until the report is displayed in the desired position. Use the Shift or Ctrl key to select multiple reports. 3. Click OK to save your settings. You are returned to the My Reports screen. For assistance, please call the Help Desk at

12 DELETING TEMPLATES The Account Info Reporting - Template Maintenance screen allows you, if you are entitled, to delete existing templates which have been previously defined by you or someone in your company. To delete a report template, follow these steps. Only user or customer reports can be deleted. When a Customer level report template is deleted, it is deleted across the company. Bank reports cannot be deleted or modified. 1. From the Account Info menu and then select Create/Modify Report Templates. The Account Info Reporting Template Maintenance screen is displayed. 2. Click delete next to the report template you want to delete. A confirmation message is displayed asking you whether you are sure you want to delete the report. 3. Click OK on the confirmation message box to delete the report template. PERFORMING A TRANSACTION SEARCH To perform a transaction search in order to find specific transactions, follow these steps. 1. From the Account Info menu and then select Transaction Search. The Transaction Search screen is displayed. 2. On the Transaction Search screen, select the type of date you want to search on from the drop-down list. You can search by either Value date or Processing date 3. Click on the Calendar icon by the Date fields to select the date or range of dates you want the search to include from the Calendar, or enter the date directly in the field in DD-MM-YYYY format. For example, If you don't enter a date, the system will enter today's date. 4. From the Items to search drop-down list, select the items you want to include in your search. You can select All Credit Groups, All Debit Groups, Detail Groups, Transaction type, or search across All. 5. If you selected transaction type, you can select specific transaction codes to include in your search from the Transaction type list. 6. To include a bank reference number or reference number range, enter a Min and/or Max reference number in the Bank reference fields. 7. To include a customer reference number or reference number range, enter a Min and/or Max reference number in the Customer reference fields. 8. To include an amount or an amount range, enter a Min and/or Max amount in the Amount fields. 9. In the Account List section, select the check boxes next to the accounts that you want to include. Click on the Select all box in the heading to include all accounts. 10. Click Generate. The results of the search display in a list on the Transaction Search Results screen. You can click the transaction code to view the transaction description. PERFORMING AN IMAGE SEARCH Online Banking for Business allows you to perform searches with a self-serve opportunity to search for and retrieve images of your processed cheques. Images are available within hours of processing for view or download. For assistance, please call the Help Desk at

13 TECHNICAL REQUIREMENTS In addition to the technical requirements required to access Online Banking for Business, WinZip is required if you wish to use the Download feature. FEATURES OF CHEQUE IMAGE SEARCH SEARCHABLE CHEQUE IMAGES To perform a search, follow these steps: From the Account Info menu, select Cheque Imaging. The Image Search screen is displayed. You can search for a specific cheque, or a range of cheques, based on the following search criteria: Transit/Account Number Process date From (for up to 100 calendar days preceding current date) Process date To Cheque serial number Cheque dollar amount Item Sequence Number (ISN) RETRIEVAL OF CHEQUE IMAGES Images will be displayed in JPEG format and may be viewed, printed and/or downloaded. To download images, WinZip software is required. Each cheque results in two images; the front of the cheque and the back of the cheque. The hit list will display up to a maximum of 300 items. The user may select up to 20 items from the hit list. If the hit list contains more than 20 items, the system should not display the Select All label or the Select All checkbox. If the hit list contains more than 20 items, a popup will prevent the user from selecting more than 20 items. There will be a Status column in the hit list. The status column will indicate if an item has already been viewed or downloaded in this current search request. If the sorry document flag has been set for an item, then the status column will indicate to the user that the item is not available. Options for obtaining images (maximum 20 at a time) are: Download all images selected will be bundled into a.zip file, which will include a summary text file which maps the image names with cheque details View all images selected will be presented on the screen at once with cheque details appearing above each cheque For assistance, please call the Help Desk at

14 Account Groups ADDING AN ACCOUNT GROUP Online Banking for Business allows you, if authorized to do so, to define groups of accounts, which you can customize according to your business needs. To add an account group, follow these steps. 1. From the Account Info menu and then select Create/Modify Account Groups. The Account Group Maintenance screen is displayed. 2. On the Account Group Maintenance screen, click Add. The Create an Account Group screen is displayed. 3. On the Create an Account Group screen, enter a unique ID for the account group in the Group ID field. 4. Enter a description for the account group in the Description field. 5. Using the arrow buttons, move the accounts you want to add to the group from the Available accounts to the selected accounts list. You can also modify the order in which the accounts appear in the group by using the Move account up and Move account down buttons. Use the Shift or Ctrl key to select multiple accounts. 6. Click Save to save your settings and return to the Account Group Maintenance screen. MODIFYING ACCOUNT GROUPS You can easily define and modify groups of accounts you have previously created. To modify account groups, follow these steps. 1. From the Account Info menu and then select Create/Modify Account Groups. The Account Group Maintenance screen is displayed. 2. On the Account Group Maintenance screen, select modify next to the group you want to modify. The Modify Account Group screen is displayed. 3. Make changes as required on the Modify Account Group screen. 4. Click Save to save your changes and return to the Account Group Maintenance screen. DELETING ACCOUNT GROUPS The Account Group Maintenance screen allows you to delete existing account groups you have defined. To delete an account group, follow these steps. 1. From the Account Info menu and then select Create/Modify Account Groups. The Account Group Maintenance screen is displayed. 2. On the Account Group Maintenance screen, select delete next to the group you want to delete. A confirmation message is displayed asking whether you are sure you want to delete the account group. 3. Click OK on the confirmation message box to delete the account group. For assistance, please call the Help Desk at

15 estatements estatements is a service available at Online Banking for Business that allows you to view your financial documents online. Our monthly Compensation/Billing Statement will be the first in a series of documents to be presented in the estatements format. The benefits of estatements are: Online access to Compensation/Billing statements Easily view, print or download in PDF format Receive notification when the statements are available CSV downloading option can be assigned Seven years archiving starting after enrolment VIEWING ESTATEMENTS The Search screen is the first page displayed when you access the estatements service. To view a statement, do the following: 1. If you have multiple Compensation Statements (Contracts) displayed, use the paging controls at the bottom of the screen. 2. If you prefer to search for a contract enter the details required in the Search criteria section and select the word Search on the screen. To Search by: Contract Number enter the 6 digit contract number on your statement Account Number enter any one of the account numbers listed on the Account Listing on your statement in the following format Date click on the From: and To: drop down selections to select dates on the calendars. The format is: mm/dd/yyyy. Service Group, Service Family, and Service Name you can use only one of these options at a time. In the Service Family field you can select multiple items to search on. Note: if you want to change your search criteria, click on Clear to remove any information in the Search criteria section. 3. To change the sort order of your display, click on any column heading in the Results section. 4. Click on the checkbox next to the contract you would like to view. Click on the word View. You can click on more than one contract at a time. Click on the words View Selected. A PDF format file will display. 5. To view more items in the Results section, click on the drop-down box on the right side of the word Results and select an option that suits your needs. 6. To view all statements, click the checkbox to the left of the Contract Number in the Results Section. All the contracts listed will be check marked. Then, click on the words View Selected at the bottom of the screen. All the statements will be displayed in one large PDF file that can be printed or downloaded. Note: If you want to download to CSV you must select only one contract at a time. For assistance, please call the Help Desk at

16 7. To download a statement in CSV format, click on the words Download Data in the Results section. A screen will display that gives you the following options: Download all Statement Data Download a specific section of the statement Note: Each download is chargeable whether it be the full statement or just a part of the statement. For detailed information on estatements, click the appropriate help icon in the screen. Account Transfers There are a number of transfer options that help you move funds between your accounts easily and efficiently. Our online platform allows you to: Perform real-time transfers between CAD or USD dollar accounts Perform cross-currency CAD/USD transfers with competitive FX rates Transfer funds between your BMO USD accounts and your Harris Bank USD accounts via Cross Border Transfers. Transfer from one account to another, one account to many or many accounts to one Create and modify transfer templates for regularly requested transfers Request future-dated transfers Create Transfer summary reports The following section provides you with instructions on how to use Transfers within Online Banking for Business. Account Transfers submitted on a weekend or bank holiday (determined by the location of your branch of account) are applied to your account dated as of the banking day prior to the weekend or holiday. If instead you require the transaction to be effective as of the next banking day after the weekend or holiday, you must change the date in the Value Date (DD.MM.YYYY) to create a future dated account transfer for the desired date. CREATING A TRANSFER CREATING A SINGLE-CURRENCY TRANSFER The Single Transfer screen allows you to request a single transfer between two accounts. You can transfer funds using a transfer template previously created by you or someone in your company, or enter all of the data yourself (free-form transfer). To create a single-currency transfer, follow these steps: 1. From the Account Transfer menu under the Payments & Receivables Tab, click Create Single Transfer. The Single Transfer screen is displayed. 2. On the Single Transfer screen, you can either select a template to base the transfer on, or create your own transfer. For assistance, please call the Help Desk at

17 3. Select a debit account from the From account list, and a credit account from the To account list. 4. Enter the amount of the transfer in the Amount field. Depending on the accounts you have selected, the currency field will be filled in accordingly. 5. Enter any comments you want to apply to the transfer in the Comments field. You can enter up to 255 characters in this field. 6. If you need to future-date the transfer, click on the Calendar icon by the Value Date field to select the date the funds will be transferred. You can also enter the date directly in the field in DD-MM-YYYY format. For example If you don't enter a date in this field, the system automatically enters today's date. 7. Click Next. The Verify Single Transfer screen is displayed. 8. Review your entries and then click Submit to confirm the transfer. The Single Transfer Confirmation screen is displayed. 9. On the Single Transfer Confirmation screen, click OK to return to the Single Transfer screen. CREATING A CROSS-CURRENCY TRANSFER Cross-currency transfers cannot be future-dated. Refer to the Account Transfer Business Rules for further details. The Single Transfer screen allows you to transfer funds between Canadian Dollar (CAD) and US Dollar (USD) accounts. You can transfer funds using a transfer template previously created by you or someone in your company, or enter all of the data yourself (free-form transfer). To create transfers between CAD and USD accounts, follow these steps: 10. From the Account Transfer menu under the Payments & Receivables Tab, click Create Single Transfer. The Single Transfer screen is displayed. 11. On the Single Transfer screen, you can either select a template to base the transfer on, or create your own transfer. 12. Select a debit account from the From account list, and a credit account from the To account list. 13. Enter the amount of the transfer in the Amount field. In the case of multi-currency transfers, the amount is always displayed in US dollars (USD). 14. Enter any comments you want to append to the transfer in the Comments field. You can enter up to 255 characters in this field. 15. Click Next. Online Banking for Business calculates the exchange rate which will apply to the transfer. Once the rate is determined, the Verify Single Transfer screen is displayed and you are given 20 seconds to verify the details of the transfer, and accept the rate 16. If you do not accept the rate within 20 seconds, you can click Previous to return to the Single Transfer screen. Your entries will remain on the screen for your modification. Or click Return to transfer to return to the Single Transfer screen and clear your entries. 17. Review your entries and then click Submit to confirm the transfer. The Single Transfer Confirmation screen is displayed. 18. On the Single Transfer Confirmation screen, click OK to return to the Single Transfer screen. For assistance, please call the Help Desk at

18 CREATING A CONCENTRATION ACCOUNT TRANSFER Concentration accounts are in Canadian funds only. You cannot transfer between 2 Concentration accounts. Transfers to/from Concentration accounts cannot be performed on the Multiple Transfer screen. The Single Transfer screen allows you to transfer funds to or from Concentration accounts. You can transfer funds using a transfer template previously created by you or someone in your company, or enter all of the data yourself (free-form transfer). To transfer to or from Concentration accounts, follow these steps: 1. From the Account Transfer menu under the Payments & Receivables Tab, click Create Single Transfer. The Single Transfer screen is displayed. 2. On the Single Transfer screen, you can either select a template to base the transfer on, or create your own transfer. 3. Select a debit account from the From account list, and a credit account from the To account list. 4. Enter the amount of the transfer in the Amount field. Depending on the accounts you have selected, the currency field will be filled in accordingly. 5. Enter the Customer/Division ID in the Customer/Division ID field. This information is provided to you by the owner of the Concentration account, either a 3 rd party or someone in your company. 6. Enter the report addendum in the Report addendum field. This information is provided to you by the owner of the Concentration account, either a 3 rd party or someone in your company. 7. If you need to future-date the transfer, click on the Calendar icon by the Value Date field to select the date the funds will be posted from the Calendar. You can also enter the date directly in the field in DD-MM-YYYY format. For example If you don't enter a date in this field, the system automatically enters today's date. 8. Click Next. The Verify Single Transfer screen is displayed. 9. Review your entries and then click Submit to confirm the transfer. The Single Transfer Confirmation screen is displayed, providing you with the transaction status of your request. 10. On the Single Transfer Confirmation screen, click OK to return to the Single Transfer screen. CREATING A SINGLE CROSS BORDER ACCOUNT TRANSFER The Cross Border Account Transfer module provides you with a number of transfer options that help you move US dollars between your accounts easily and efficiently. You can, Perform ad-hoc transfers between USD accounts with BMO and Harris Perform scheduled transfers between USD accounts with BMO and Harris Transfer from one account to another, one account to many accounts or many accounts to one Create and modify transfer templates for regularly requested transfers Request future-dated transfers For assistance, please call the Help Desk at

19 Create Transfer summary reports The Cross Border Account Transfers that you initiate will be completed within an hour from the time that they are requested. The confirmation can be viewed via the standard account transfer reporting module. In order to ensure that your transactions are processed for the same day they must be executed prior to the 15:00 ET cut-off time. The following section provides you with instructions on how to use Cross Border Account Transfers within Online Banking for Business. Note: Account Transfers submitted on a weekend, Federal, Ontario Provincial or bank holiday (determined by the location of your branch of account) are applied to your account the next valid business day after the weekend or holiday. Note: Third Party accounts transfers cannot be accommodated via the Cross Border Account Transfer module. A single cross border account transfer is created using the same process as outlined above within the Single Transfer section. The Single Transfer screen allows you to request a single cross border transfer between two of your USD accounts. You can transfer funds using a transfer template previously created by you or someone in your company, or enter all of the data yourself (free-form transfer). To create a single-currency transfer, follow these steps: 1. From the Account Transfer menu under the Payments & Receivables Tab, click Create Single Transfer. The Single Transfer screen is displayed. 2. On the Single Transfer screen, you can either select a template to base the transfer on, or create your own transfer. 3. Select a debit account from the From account list, and a credit account from the To account list. 4. Enter the amount of the transfer in the Amount field. 5. Enter any comments you want to apply to the transfer in the Comments field. You can enter up to 255 characters in this field. 6. If you need to future-date the transfer, click on the Calendar icon by the Value Date field to select the date the funds will be transferred. You can also enter the date directly in the field in DD-MM-YYYY format. For example If you don't enter a date in this field, the system automatically enters today's date. 7. Click Next. The Verify Single Transfer screen is displayed. 8. Review your entries and then click Submit to confirm the transfer. The Single Transfer Confirmation screen is displayed. 9. On the Single Transfer Confirmation screen, click OK to return to the Single Transfer screen. CREATING A SCHEDULED CROSS BORDER ACCOUNT TRANSFER A scheduled cross border account transfer is created by navigating to the create menu option within the Transfers, Cross Border, Schedule section. The Schedule Transfer screen allows you to create a scheduled cross border transfer between two of your USD accounts. To create a scheduled transfer, follow these steps: 1. From the Account Transfer menu under the Payments & Receivables Tab, click Create Cross Border Scheduler. The Create a Transfer Schedule screen is displayed. For assistance, please call the Help Desk at

20 2. In the Create a Transfer Schedule screen, you can now create the schedule to meet your individual needs. 3. Then enter a Schedule ID. 4. Then enter the Schedule Name. 5. Now it is time to determine the type of Trigger that needs to be executed. There are three options available as part of the Cross Border Transfers solution. a. If the Zero-Balance trigger is selected, the account balance of the from account will be reduced to zero based on the criteria contained within the schedule b. If the Reduced to Balance trigger is selected, the account balance of the from account will be reduced to a predetermined balance based on the criteria contained within the schedule c. If the Specific Amount trigger is selected, the account balance of the from account will be adjusted based on the criteria contained within the schedule 6. Select the Frequency that is required. There are four potential options: Daily, Weekly, Monthly, Biweekly. 7. If a frequency of weekly is selected then the Frequency Day of Week needs to be entered. Select the day of the week from the dropdown list. If any other frequency is selected this option will be grayed out. 8. If a frequency of monthly is selected then the Frequency Day of Month needs to be entered. Select the day of the month from the dropdown list. If you select M/E the transaction will be executed on the last day of the month. If any other frequency is selected this option will be grayed out. Note if the day that you select happens to fall on a holiday or weekend, the transaction will be executed on the next valid business day. 9. Enter the Start Date that the schedule to be turned live. The format for the date is: DD-MM-YYYY. 10. End Date is an optional field. This field can be used if there is a specific that the schedule should run until then be deactivated. The format for the date is: DD-MM- YYYY. 11. Select the time that the schedule should execute for the Start Hour dropdown list. 12. Select a debit account from the From account list, and a credit account from the To account list. 13. Enter the amount of the transfer in the Amount field. This field will not be available if the zero balance trigger is selected. 14. Review your entries and then click Save to complete the setup of the schedule transfer. The Transfer Schedule Results screen is displayed. 15. On the Transfer Schedule Results screen, click OK to return to the Create a Schedule Transfer screen. CREATING A TRANSFER FROM A TEMPLATE The Single Transfer screen allows you request recurring transfers between accounts without having to reenter data each time you request a transfer. To transfer funds using a template, follow these steps: For assistance, please call the Help Desk at

21 1. From the Account Transfer menu under the Payments & Receivables Tab, select Create Single Transfer. The Single Transfer screen is displayed. 2. Select the Template ID on which you want to base your transfer from the drop-down list. Based on your selection the data associated with the template is displayed in the appropriate fields on the screen. 3. Enter the amount of the transfer in the Amount field. 4. If applicable, click on the Calendar icon by the Value Date field to select the date the funds will be posted from the Calendar. You can also enter the date directly in the field in DD-MM-YYYY format. For example If you don't enter a date in this field, the system automatically enters today's date. 5. Click Next. If you are requesting a multi-currency transfer, the module calculates the exchange rate which will apply to the transfer. Once the rate is determined, you are given 20 seconds to verify the details of the transfer and click Submit to continue. If you do not accept the rate within 20 seconds, you can click Return to transfer to return to the Single Transfer screen with your entries cleared. 6. The Verify Single Transfer screen is displayed. Review your entries and then click Submit to confirm the transfer. The Single Transfer Confirmation screen is displayed. 7. On the Single Transfer Confirmation screen, click OK to return to the Single Transfer screen. MODIFYING OR DELETING A TRANSFER MODIFYING OR DELETING A SCHEDULED CROSS BORDER ACCOUNT TRANSFER A scheduled cross border account transfer can be modified/deleted by navigating to the modify/delete menu option within the Transfers, Cross Border, Schedule section. To modify/delete a scheduled transfer, follow these steps: 1. From the Account Transfer menu under the Payments & Receivables Tab, click Cross Border Scheduler then Modify/Delete CB Scheduler. The Modify/Delete transfer schedule screen is displayed. 2. In the Modify/Delete CB Scheduler screen, you can now select the action that you are looking to perform. You can select to modify or delete a schedule that has been previously created. 3. Select the Schedule ID, then select either Modify or Delete option. 4. If Modify is selected, the Modify Transfer Schedule screen will be displayed. 5. Once the required modifications are made simply select the Save button. The Modify Transfer Schedule Results screen will be displayed. 6. On the Modify Transfer Schedule Results screen, click OK to return to the Modify/Delete Transfer Schedule screen. 7. If you now wish to delete a schedule, select the Schedule ID, then select the Delete option 8. The Delete Transfer Schedule screen will now appear. For assistance, please call the Help Desk at

22 9. Review the schedule to ensure that it is truly the schedule that you d like to delete. Select the Delete button. 10. Click OK on the confirmation message to continue with your deletion request. You will now be returned return to the Modify/Delete Transfer Schedule screen. MODIFYING A FUTURE-DATED TRANSFER Only single-currency transfers can be future-dated. Only future-dated transfers can be modified or deleted, prior to the value date. The Modify/Delete Future-Dated Transfer screen allows you to modify future-dated transfer prior to their value date. To modify a future-dated transfer, follow these steps. 1. From the Account Transfer menu under the Payments & Receivables Tab, select Modify/Delete. 2. On the Modify/Delete Future-Dated Transfer screen, select the radio button next to the transfer you want to modify and click Modify. The Modify Future-Dated Transfer screen is displayed. 3. Change the fields as required on the Modify Future-Dated Transfer screen. Once the information is complete click Next. The Verify Future-Dated Transfer Modification screen is displayed. 4. Once you have reviewed the details of the transfer you have modified, click Submit to confirm that the information is correct. The Transfer Modification Confirmation screen is displayed. DELETING A FUTURE-DATED TRANSFER You can delete future-dated transfers which either you or another user in your company has requested. To delete a future-dated transfer, follow these steps. 1. From the Account Transfers menu under the Payments & Receivables Tab, select Modify/Delete. The Modify/Delete Future-Dated Transfer screen is displayed. 2. Select the radio button next to the transfer you want to delete and click Delete. A message is displayed asking if you are sure you want to delete this transfer. 3. Click OK on the Deletion Message box to complete the deletion of the future-dated transfer. For assistance, please call the Help Desk at

23 Creating Multiple Transfers Only single-currency transfers between DDA accounts can be performed through Multiple Transfers. FBPS accounts cannot be used for multiple transfers. Multiple Transfers allows you to submit more than one transfer at a time. You can select a different debit or credit account for each transfer, or indicate one debit or one credit account for all the listed transfers. To create multiple transfers, follow these steps. 1. From the Account Transfers menu under the Payments & Receivables Tab, select Create Multiple Transfer. The Multiple Transfers - Account Selection screen is displayed. 2. On the Multiple Transfers - Account Selection screen, select a debit account from the From account list for each transfer. 3. Select a credit account from the To account list for each transfer. Select the Use Same "From" Account for All Transfers check box or the Use Same "To" Account for All Transfers check box to choose a single debit or credit account for all transfers. 4. When you are finished entering transfers, click Next. The Multiple Transfers - Specify Data screen is displayed. 5. For each transfer listed, enter the transfer amount in the Amount field. Enter any comments you want to append to the transfer in the Comments field. You can enter up to 255 characters in this field. 6. If you need to future-date a transfer, click on the Calendar icon by the Value Date field to select the date the funds will be posted from the Calendar. You can also enter the date directly in the field in DD-MM-YYYY format. For example If you don't enter a date in this field, the system automatically enters today's date. 7. Once all of the transfer information is complete, click Next. The Verify Multiple Transfers screen is displayed. 8. Review the details of the transfers and click Submit to confirm that the information is correct. The Multiple Transfer Confirmation screen is displayed. TRANSFER TEMPLATES CREATING A TRANSFER TEMPLATE The Create a Transfer Template screen allows you to create a template for recurring transfers so that you don t have to reenter data each time you make a transfer. To create a transfer template, follow these steps. 1. From the Account Transfer menu under the Payments & Receivables Tab, select Create Template.. The Create a Transfer Template screen is displayed. 2. On the Create a Transfer Template screen, enter a unique template ID in the Template ID field using your company's naming conventions. 3. Enter a name in the Template name field. 4. Select an account to debit from the From account list. 5. Select an account to credit from the To account list. For assistance, please call the Help Desk at