Firstrust s Internet Banking System

Transcription

1 A Comprehensive Guide to Understanding CORPORATE Firstrust s Internet Banking System firstrust.com BANK

2 Welcome Welcome to FirstConnect Corporate, our Internet Banking System, designed to provide tools to help manage your business finances. FirstConnect Corporate offers wire transfers, Positive Pay, administration oversight tools, flexible reporting, greater ACH capability, lockbox services and enhanced security features. This guide is designed to introduce you to FirstConnect Corporate. By using these features, you will find that you are able to reduce the amount of time spent managing your company s finances: ACH Origination Alerts Balance Reporting Book Transfers Enhanced Security Lockbox Services Manage Corporate Users Positive Pay Stop Payments Wire Transfer Enhanced Reporting 00-0 Murphy & Company, Inc. Quicken and Quickbooks are registered trademarks of Intuit, Inc. Microsoft, Windows, Excel and Internet Explorer are registered trademarks of Microsoft Corporation. Firefox is a registered trademark of the Mozilla Foundation. Adobe Reader is a registered trademark of Adobe Systems Incorporated in the United States and/or other countries. THIS PRODUCT IS NOT ENDORSED OR SPONSORED BY ADOBE SYSTEMS INCORPORATED, PUBLISHER OF ADOBE READER. Disclaimer Concepts, strategies and procedures outlined in this guide can and do change and may not be applicable to all readers. The content in this guide is not warranted to offer a particular result or benefit. Neither Firstrust nor the author/publisher, nor any other party associated with this product or service shall be liable for any damages arising out of the use of this guide, including but not limited to loss of profit, commercial, special, incidental or other damages. For complete product and service information, please refer to the terms, conditions and disclosures for each product and service. The commercial Internet Banking services provided by Firstrust are subject to the FirstSite Commercial Internet Banking and Master Cash Management Services Agreement as may be amended from time to time.

3 Security At Firstrust Bank we are pleased to offer FirstConnect Corporate, our online banking services via the Internet. As part of the delivery of online services, we understand the sensitive nature of your financial records and the critical need for both Firstrust and you to remain diligently aware of and actively protect against ever-changing threats from cybercrime and fraud. To better protect yourself, please review the information below. Security At Your Computer Online fraud is increasing at a rapid pace. You should always take precautions to keep yourself and your company s technology resources secure. Some things you can do to minimize your risk to fraud are: Install and maintain up-to-date anti-spy and anti-virus software. Be careful what Internet sites you visit, some sites contain viruses and software that, once loaded on your PC, are capable of recording sites you visit and every keystroke you make on your PC. Some of the more popular social networking sites are common sources for such malicious software. Minimize the number of PCs you use to conduct financial transactions and limit it (or them) from other Internet-related activities. Ensure everyone accessing your network is using strong passwords and that both Customer and User Password are changed on a periodic basis (for example, every 90 days). Restrict the use of wireless connectivity, web-cams and instant messenger (IM). Educate other employees utilizing your company s network about SPAM and phishing schemes. Ensure your company is utilizing phishing and SPAM filtering software against your . These activities alone are not enough to protect you. Constant vigilance and common sense are always required. While we continue to evaluate and implement improvements in Internet security technology, users of FirstConnect Corporate also have a responsibility for the security of their information and should always follow the recommendations below: Utilize the latest version of your web browser (for example, Internet Explorer). FirstConnect Corporate is best viewed and most secure when you use up to date browsers. Be sure others are not watching you enter information on the keyboard. Keep your computer free of viruses and other malware. Use virus protection software to routinely check for a virus on your computer. Never allow virus or other malware to remain on your computer while accessing FirstConnect Corporate. If possible, use a dedicated system or PC to conduct online banking transactions. Use anti-spyware software that performs an updated scan for spyware and removes it. Use web-site filtering tools, hard-drive encryption and unique Administrator passwords on each PC conducting financial transactions. Review and install Windows updates on a periodic basis. Make certain you are using application-based security functions such as dual factor approvals. On a periodic basis, conduct a review of Users that are set up in your application, the permissions and rights that have been given to each User and activity reporting. Based upon changes in employee responsibilities or employment status, delete or modify permissions for Users immediately. Comprehensive Guide

4 Security (continued) Utilize the Dual Authorization functionality currently available in FirstConnect Corporate. Dual authorization is a security feature which requires two Users at your company to set up and approve Funds Transfers (Wire Transfers and ACH) and creation of templates. Users performing dual control functions should not use the same computer. Safeguard any physical security devices, such as tokens, that are required to initiate wire transfers or ACH batches. Encrypt your keystrokes to help establish secure communications. Limit ACH debits to your accounts to those from approved originators. If you would like additional information on how to secure your information technology systems, please go to the F.B.I. cyber-investigation website at Confidentiality Keep all account and login data confidential. Never share your passwords with anyone. Never include account sensitive data in unsecured . Never include account numbers in nicknames. Passwords The most secure passwords utilize letters, numbers and special characters. Do not use initials, birth date or loved ones names in your password. FirstConnect Corporate requires you to change your password every 90 days to help ensure that information cannot be guessed or used by others. Additionally, FirstConnect Corporate heightens security by requiring both a Customer Password and a User Password. For enhanced security we recommend you periodically change both the Customer and User Password. Signing Off If you have to step away from your computer for even a few minutes, always be certain to SIGN OFF from your FirstConnect Corporate session. Once a session has ended, no further transactions can be processed until you log in again to FirstConnect Corporate. Remember: Never leave your computer unattended while logged in to FirstConnect Corporate. Always lock your PC when you step away by using <CRTL> + <ALT> + <DELETE>. Enable the automated screen lock function on your PC to lock your screen after no more than ten minutes and require a password to unlock. Others may approach your computer and gain access to your account information if you walk away without locking your PC. Exercise appropriate security precautions when establishing timeout criteria using the Administrator function. Timeout length affects all Users within a company. Note: Any software provided by an independent third party is subject to their licensing, terms of use and other conditions. Firstrust has no liability for your use or inability to use any such software or for any related damages or losses which may be incurred as a result thereof. FirstConnect Corporate Internet Banking

5 Token Set-Up Security built on reusable passwords has proven easy for hackers to beat. FirstConnect Corporate offers you authentication based on something you know (a four to eight-digit PIN) and something you have (the physical token) providing a much more reliable level of user authentication than reusable passwords. The first time you attempt an action which requires token authentication, this screen will appear. Enter the Tokencode from your token in the Passcode box and click Submit. The Tokencode changes at set intervals. You will be prompted to establish a PIN. The PIN will be used in conjunction with the Tokencode for future transactions. Enter a - 8 character (alpha/numeric) PIN. Verify the PIN, and click Submit. Comprehensive Guide

6 Token Set-Up (continued) You will then be prompted to enter your PIN plus the Tokencode to proceed to your requested transaction. Enter your Passcode and click Submit.* * YOUR PIN + the TOKENCODE = PASSCODE Note: Going forward, whenever you attempt a transaction which requires Token authentication, you will be prompted to enter your PIN/Tokencode combination as the PASSCODE. FirstConnect Corporate Internet Banking

7 Table of Contents Security Token Set-Up Primary Company Administrator and User Administrator Roles Logging In Security Questions General Navigation My Dashboard ACH ACH Batch Activation ACH Batch Approval ACH Report ACH Pass-Thru ACH Pass-Thru Approval ACH Pass-Thru Report ACH Totals ACH Exception Report ACH Admin Create and Maintain ACH Templates and Batches Update ACH Participants Batch Template Approval ACH Permissions Activity Audit Report Alerts Balance Report Previous Day Same Day Real Time MultiDay Transaction Download Favorite Reports BR Quick Reports Book Transfer Corporate Users Managing Users Set Up Users Grant Permissions User Limits Money Transfer Wire Initiate Template or Freeform Wire Approve Initiated Wire Set Up Wire Templates Approve Wire Templates Create Template Group Initiate Multiple Wires Wire Report Money Transfer Admin Wire Approval Requirements Add Banks to Short List Security Center Maintain Passwords Password Report Single Sign-On Services (SSO) Lockbox Positive Pay Stop Payment Stop a Payment Stop Payment Reports Help Comprehensive Guide 5

8 Primary Company Administrator and User Administrator Roles Primary Company Administrator Roles Create new Users and User Administrators. Provide Users with the universal Customer ID and Customer Password, along with the unique User ID and User Password. Grant User permissions to services. Define initiation and approval limits for ACH, Book Transfers and Money Transfers. Maintain profiles, update permissions and limits as needed to control access. Delete User for any reason. Copy an existing User profile to create a new User with the same service access and limits. Contact Firstrust Bank to reset Customer Password if needed. Tokens o Notify the Bank immediately if an employee with a token is terminated or quits. o Request new tokens from the Bank for any new employees. o Notify the Bank if a token is lost or damaged. User Administrator Roles User Administrator Roles are defined by the Primary Company Administrator. A User Administrator may or may not be given access to services, along with the administrative functions. A User Administrator may not contact Firstrust to reset the Customer Password. Only the Primary Company Administrator is authorized to have Customer Password reset. 6 FirstConnect Corporate Internet Banking

9 Logging In Logging in is easy. Just launch your web browser and go to firstrust.com. The login process is the same for all Users and Administrators. Primary Company Administrators can not change the Customer Password. All Users are prompted to change their initial password at first login. 5 Open your Internet browser and go to firstrust.com. Choose FirstConnect Corporate Login from the Online Banking Secure Login menu and click Go. Click on Access Accounts. Enter your Customer ID and Password, your User ID and Password, then click Login. If this is the first time you have logged on to the system, you will be asked to select and answer Security Questions and also to change your Password. 5 If you forget your User Password, you can reset your password here by answering the Security Questions first established when setting up your account. Comprehensive Guide 7

10 Security Questions In addition to your password, FirstConnect Corporate uses Security Questions. At initial login you will establish Security Questions that will be used to authenticate you as a User. 5 Upon initial login, you ll be prompted to set up three Security Questions. Choose each question and enter your answer. Click Submit to verify each question and answer. When you request a User Password reset, you will be prompted to answer one or more Security Questions as an added layer of protection against unauthorized access. Simply fill in the answers as you provided them, and click Submit. Enter your new password twice, then click Submit. 5 You will receive a password change confirmation. 8 FirstConnect Corporate Internet Banking

11 General Navigation Navigating the System is simplified by the drop-down menu at the top-left of your screen. Simply select a menu item, and functions to which you have been granted access will appear as menu tabs. Navigation may vary based on the functions to which you have been granted access. My Dashboard - Contains up to seven (7) portals for quick access to frequently used services. ACH - Initiate and approve ACH batches, access ACH reports. ACH Admin - Maintain ACH templates and participants, set ACH approval permissions. Activity - Create audit reports on User Activity. Alerts - Receive an alert regarding your account activity and balance, when an ACH batch needs approval and even when a money transfer has been sent. Balance Report - View account history and same day account balances and activity. Book Transfer - Transfer funds between eligible Firstrust accounts. BR Quick Reports - Access high level view of account reports. Corporate Users - Company Administrators maintain Users who have access to FirstConnect Corporate. Money Transfer Wire - Initiate and approve freeform wires and wire templates, maintain wire templates and access Money Transfer reports. Money Transfer Admin Wire - Set wire approval requirements. Security Center - Maintain your passwords or change the answers to your Security Questions. Single Sign-On Services (SSO) - Direct access to Lockbox and Positive Pay systems from FirstConnect Corporate. Stop Pay - Submit stop payment request for a single check or a range of checks. Online Help - Help is just a click away, or for assistance call BANK during normal business hours. Comprehensive Guide 9

12 My Dashboard The dashboard (homepage) contains up to seven (7) portals for quick access to frequently used services, approval alerts and Administrator functions. Financial Overview/Balance Reporting Sort by any column for quick balance data. Click on any dollar amount to view history or current day balances. User Administration You can review, add, edit, delete or copy a User by clicking on any of the available links. Book Transfer Complete a one-time Book Transfer quickly and easily by choosing the TO and FROM accounts, entering the dollar amount and clicking Submit. Action Required/Approvals Pending/Most Used Services Review Wire and ACH activity pending approval through the Action Required section. Click on either available link to be redirected to the Approval function. You can also access your five most frequently used services by clicking on any available link in the Most-Used Services Section. 0 FirstConnect Corporate Internet Banking

13 ACH An Automated Clearing House (ACH) transfer is the electronic transmission of a file which contains pertinent information to the movement of funds between accounts. An ACH transfer is commonly used to expedite direct deposit of payroll or concentrate funds from other financial institutions. An ACH transfer consisting of multiple transactions is referred to as a batch. ACH Activation and Approval require the use of a Security Token. ACH Batch Activation To activate an existing ACH Batch, follow the steps below. Select ACH from the drop-down menu, then the ACH Batch Activation tab. (To create a new Batch or Template, refer to page 5-6.) Check the box for the batches you would like to activate. Enter the Effective Entry Date for the batch or choose from the convenient calendar feature. View batch details or edit batch information by selecting one of these icons. Click Activate Selected to initiate the batch. Note: The Initiate Batch feature lets you set up an ACH batch and submit it for processing up to 5 days in advance. Per NACHA rules, credits must be received by Firstrust two () business days prior to settlement date. Debits must be received one () business day prior to settlement date. Files received after the cutoff time will be processed the next business day. ACH Batch Approval Approve, delete or reject pending ACH Batch(es). Select ACH from the drop-down menu, then the ACH Batch Approval tab. Review batch details, including number of transactions and total dollar amount, by clicking on the details icon. Select batch and click on Approve Selected to approve batches and submit to Firstrust for processing. To reject a batch, click on Reject Selected. Batch will require approval after corrections are made. To delete the batch from daily processing, click on the delete icon. Comprehensive Guide

14 ACH (continued) ACH Report Review on-screen report of ACH Activity, or export as a comma delimited or NACHA-formatted file. Select ACH from the drop-down menu, then the ACH Reports tab. Choose Report Criteria including the Type of Date and a Date Range. Select Report Characteristics such as the Status, Group By and Sort By fields. If Exporting File, choose File Output format and select Export. Select Submit to view the report on-screen. ACH Pass-Thru With the ACH Pass-Thru feature, you can send a NACHA-Formatted file created in your own business financial software to Firstrust for processing. This saves you time and allows large numbers of transactions to be processed more easily. When using this feature, it is not necessary to maintain participants, create batches or initiate batches separately within the system. Select ACH from the drop-down menu, then the ACH Pass-Thru link. Enter file path and name, or choose Browse to locate the file on your network. Click on Load File. NOTE: File is still pending acceptance - file load is not complete. Select Review Pending. 6 Click the red arrow to review file details, including totals. FirstConnect Corporate Internet Banking

15 ACH (continued) ACH Pass-Thru 5 Choose Accept or Delete. 6 View Accepted files pending approval by clicking Review Accepted. 5 ACH Pass-Thru Approval Approve pending Pass-Thru files. Select ACH from the drop-down menu, then the ACH PT Approval tab. Click the red arrow under Review to verify the file data. Choose the file(s) by clicking the box(s) under Select. Select Approve Selections to approve the ACH Pass-Thru. ACH Pass-Thru Report Access on-screen report to review Pass-Thru file status. Select ACH from the drop-down menu, then the ACH PT Report. Enter date range, file pending number and/or file trace # to locate a specific file. Click on Submit to view on-screen report. Comprehensive Guide

16 ACH (continued) ACH Totals For added security when originating a batch, Firstrust requires that all ACH Files be confirmed. You can send required file criteria to Firstrust using the ACH Totals service. Select ACH from the drop-down menu, then the ACH Totals tab. Enter all required data in red. Click Submit to send data to Firstrust. OR, you can send confirmation via to ACHDept@Firstrust.com. Include the total amount of the file, number of transactions, effective date, contact name and contact number. Failure to confirm ACH Totals may result in delayed file processing. Files not processed in a timely fashion may not reach recipients on the intended settlement date. ACH files received after the cutoff time will be processed the next business day. Important: outside of FirstConnect Corporate is not secure; you should not include confidential information. ACH Exception Report Review daily for notice of recurring ACH Batch failures or Pass-Thru File failures. Select ACH from the drop-down menu, then the Exception Report tab. Choose a batch from available list. Select the report criteria, such as the Type of Date, Date Range and Exception Reasons and the Characteristics. Click on Submit to view on-screen report. Note: If utilizing recurring batches or Pass-Thru files, the exception report should be reviewed daily. Failed batches or files must be re-processed after corrections are made. FirstConnect Corporate Internet Banking

17 ACH Admin Create and Maintain ACH Templates/Batches With FirstConnect Corporate, you can create and maintain ACH Templates and ACH Batches quickly and easily. Select ACH Admin from the drop-down menu, then the Batches tab. Select Add a Batch. Enter required information. Items in red are required. New batches default to Prenote status. Uncheck if creating a live transaction. Next, select Add a Batch. 5 From the Batch tab, click on the Entries icon. 5 Comprehensive Guide 5

18 ACH Admin (continued) Create and Maintain ACH Templates/Batches 7 6 Enter required participant (recipient) information and click on Add Entry To Batch. 7 Continue adding participants as needed When all participants have been added, click on Update Batch. 9 Batches may also be edited, copied or deleted. 8 Update ACH Participants You can update ACH Participants in just a few easy steps. Select ACH Admin from the drop-down menu, then the Participants tab. Select the ACH company. Select the Participant. Enter the changes for the Participant. Click Submit Changes to save. 6 FirstConnect Corporate Internet Banking

19 ACH Admin (continued) Batch Template Approval FirstConnect Corporate provides all the information you need to make informed approval decisions from one convenient screen. Select ACH Admin from the drop-down menu, then the Batch Template Approval tab. Select the box next to batch name to approve a batch. To view the details of a particular batch, click this icon. Click on Approve Selected to approve the batch. ACH Permissions Set the limits and transaction types an ACH User can access by using the ACH Permissions feature. Select ACH Admin from the drop-down menu, then the Permissions tab. Select a User from the list. Click on User Overall Limits to edit ACH initiation limits. Enter the limits and click Submit. You can also click on Customer ACH limits to edit Template approval defaults. Comprehensive Guide 7

20 ACH Admin (continued) ACH Permissions 5 Choose Template Approval option from the drop-down list and click Submit. 5 6 Click on Transaction Types to edit User s ACH Transaction Code Permissions. 7 Select Available Transaction Type and using arrows, move to the Assigned Transaction Type window. 6 7 Activity Audit Report Through FirstConnect Corporate, you can create an Audit Report of User Activity. Activity information is available for 60-days. Select Activity from the drop-down menu, then the Audit Report tab. Select the User. (You can select more than one User at a time.) Choose the Services which you would like to audit. Enter the Date Range and Time. Click Submit to view the report online or Export to download the Audit log. 8 FirstConnect Corporate Internet Banking

21 Alerts It s easy to set up alerts to notify you when your accounts meet specified conditions. Create Alerts to track your balance or to remind you of a low balance or to inform you when a large transaction has posted to your account. You will first need to create a Contact Point before you can set up your alert. Select Alerts from the drop-down menu, then the Alerts tab. Select the time zone from the drop-down menu, then enter your contact information, such as your work or mobile phone and address. If desired, select an additional contact point, then click Update Changes. Select Set Up Alerts and click Add New Alerts. Select the type of Alert to be configured. 5 Enter the Alert Name, then select the account number from the list. 6 Select additional Alert criteria (varies by type of alert and delivery options). 7 Click Save to complete. 5 Note: Your wireless provider may assess a fee for transmitting an Alert. 6 7 Comprehensive Guide 9

22 Balance Report Previous Day View account history and check images for 90 days. Data can be exported in a variety of formats. Select Balance Report from the drop-down menu, then click the Previous Day tab. Select a previously saved report to run a Favorite Report. (To create a new Favorite Report, see page -.) To run a new report, select the account number(s) to include in the report. Select the Balance and Transaction type to include in the report. Enter a Date Range or select a date from the calendar feature. 5 To export to Quicken or QuickBooks, select the file format in the File Output drop-down menu, then click Export. 6 To view the on-screen report, click Submit. 7 To Edit report style, click on Preferences Note: To view an image of a check, simply click on the check number on the account history display screen. Same Day Real Time View real time account balances by creating a same day report. Select Balance Report from the drop-down menu, then click the Same Day Real Time tab. Select the Account Number and Balance Type. To export to Quicken or QuickBooks, select the file format in the File Output drop-down menu, then click Export. To view the on-screen report, click Submit. 0 FirstConnect Corporate Internet Banking

23 Balance Report (continued) MultiDay You can view or download a pre-formatted report over a range of dates with the MultiDay report feature. Select Balance Report from the drop-down menu, then click the MultiDay tab. Select the Account Number. Enter a Date Range or select a date from the calendar feature. To export to Quicken or QuickBooks, select the file format in the File Output drop-down menu, then click Export. To view the on-screen report, click Submit. Transaction Download Download transactions quickly and easily into Quicken, QuickBooks and Microsoft Money by using the Transaction Download feature. Select Balance Report from the drop-down menu, then click the Transaction Download tab. Select the Account Number. Enter a Date Range or select a date from the calendar feature. To export to Quicken, QuickBooks, or Microsoft Money, select one of these icons. Favorite Reports Create a report format for frequently used reports. Once a format is established, it can be made available to other Users and run at any time in Previous Day reports. Select Balance Report from the drop-down menu, then click the Favorite Reports tab. Click Add a Report. Comprehensive Guide

24 Balance Report (continued) Favorite Reports Enter the Report Name and Description. Select a Date Range, Preferences, Output Type and Content. Choose whether the report will be available for all Users or only the Creator. 5 Click Save. 5 6 To run the report, go to Previous Day in the Balance Report menu and choose the report from the Favorite Reports drop-down menu. 6 BR Quick Reports Access a summary of key account information that can be exported in various formats with the BR Quick Reports feature. Select BR Quick Reports from the drop-down menu, then click the Prev Day Report tab. Click on the red arrow to view more details about a report. FirstConnect Corporate Internet Banking

25 Book Transfer The Book Transfer feature allows you to move funds between your accounts at Firstrust online, saving trips to the bank and making cash transfers quick and easy. Also, the security features will give you complete control over User access. Select Book Transfer from the drop-down menu, then click the Book Input tab. Choose the account to transfer funds FROM. Select the account to transfer funds TO. Enter the Amount and the Processing Date, or select from the convenient calendar feature. Click Submit to process the funds transfer. 5 Select Perform Multiple Entry Transactions to enter more than one book transfer or create a Book transfer Template. 5 6 To create Template, select Add Transaction as Template. 7 Click the box to select a template. 8 Choose Save Selected as Template or Submit Selected Template to complete Comprehensive Guide

26 Corporate Users Managing Users The Corporate Users service is used by the Primary Company Administrator to add, edit or delete Users, or to reset User Passwords. The Customer ID and Password (the first two fields to enter information on the login page) are defined by Firstrust and are universal for all the Users at your company. When a Primary Company Administrator adds a new User, they provide the new User with the User ID and Password they set up in addition to the universal Customer ID and Password. Select Corporate Users from the drop-down menu, then the User Admin link. A list of Users with access to FirstConnect Corporate will display here. Control the access of a User through the Services, Permissions and Limits links. Delete a User or Copy a current User s permissions to create a New User by selecting one of these links. Select Add User to enter a new User into FirstConnect Corporate. Set Up Users FirstConnect Corporate Users can be set up with different levels of authorization. This will allow you more control over the various types of online transactions that can be performed by individuals within your business. The Corporate Users service is also used to change, delete or display a User. Select Corporate Users from the drop-down menu, then the User Admin link. Enter required User Information in red, including a unique User Code and Password. User ID can be alpha-numeric, with a maximum of characters. Password must be 8-6 characters and include upper case, lower case, number and special character. Select User Type. Admin Type Assigns administrative rights to the User while allowing a choice of Dashboard Style. User Type Restricts rights to Non-administrative only and defaults the Dashboard Style to Permission Driven only. Select Dashboard Style. Admin Dashboard Allows the User access to Administrator functions via Dashboard. Access to specific services must still be assigned. Permission Driven Dashboard Limits access on dashboard to Non-administrator functions. Select services or groups of services to allow access. Select Services by clicking in the box next to the Service. 5 Scroll to the bottom of the page and click Next to continue. 5 FirstConnect Corporate Internet Banking

27 Corporate Users (continued) Grant Permissions This tab allows an Administrator to assign specific accounts, services, and ACH Companies to a User. User identities and permissions for authorization often change as a result of the continuously incoming projects and personnel changes within the organization. Specific accounts or transaction limits can be assigned to each User as needed. Permissions define what data can be accessed by the User within an application, and what operations can performed. Select Corporate Users from the drop-down menu, then the User Admin link. Choose Service(s) to which the User will have access. Select ACH Transaction Types allowed for User for each ACH Company listed. Click Submit to complete. User Limits Assign User Limits to specific accounts for Book Transfers and Wire Transfers, and ACH transaction types. Select Corporate Users from the drop-down menu, then the User Admin link. Enter dollar limits for Maintenance, Activation and Approval on Transaction and Batch levels for each ACH Transaction Type. The ACH limits apply to all accounts assigned to ACH Services.* Set limits for each available account for Book Transfer Services. Each account may be designated a TO only, a FROM only or a TO / FROM account. Assign the Wire Transfer Transaction Level limits and Daily Limits for each account assigned to User. A zero value in any field will prevent the User from accessing that level of service. 5 Select Submit to complete. 5 * Up to pre-established company limits. Comprehensive Guide 5

28 Money Transfer Wire Initiate Template or Freeform Wire The Money Transfer service allows you to move funds from one financial institution to another. Transfers can be scheduled for the current day or up to 5 days in the future. Wires received after the cutoff time will be processed the next business day. Pending transfers can be reviewed or deleted anytime prior to processing. Select Money Transfer from the drop-down menu, then click the Wire Input tab. The Initiation and Approval of Money Transfers require the use of a Security Token. Select the Template from the Available Templates box, or to create a Freeform Wire, select the account to be debited from the Available Accounts box. To Initiate a Freeform Wire, enter the required Account and Beneficiary Bank information. Select Submit to continue. For a Template or Freeform Wire, enter the Amount and Send Date, and any additional information as needed. Select Submit to complete the transfer. 6 FirstConnect Corporate Internet Banking

29 Money Transfer Wire (continued) Approve Initiated Wire The Wire Approval feature displays all wires pending approval. Authorized Users can approve, delete or edit pending wire transfers. Wire requests must be received by our cutoff time for same day processing. Select Money Transfer from the drop-down menu, then click the Wire Approval tab. Either Approve or Deny a pending item by selecting the box. Click the arrow under Edit to make changes to the Wire Transfer. Choose Submit Selections to complete. Set Up Wire Templates Use the Money Transfer feature to create Wire Templates for wires performed on a regular basis. The system is designed to store these templates, saving you time by defining them once and reusing them later. Select Money Transfer from the drop-down menu, then click the Wire Templates tab. Enter the unique Template Code and Name, then click Add. Select the Debit Account then click Continue. Choose Domestic Wire, then click Continue. Enter the Beneficiary information in the fields provided. Items highlighted in red are required. Click Submit. The new Template is stored using the name in the Template field. Comprehensive Guide 7

30 Money Transfer Wire (continued) Approve Wire Templates If required, a newly created Template can be approved by an authorized User before use. Select Money Transfer from the drop-down menu, then the Template Approval tab. Enter the Template Code or Name, then click Find / Refresh, OR select the Template Name from the list. Click on Select. Review Template information and click on Approve. Create Template Group Create a group of Wire Templates that can be initiated together for convenience. Select Money Transfer from the drop-down menu, then the Template Group tab. Enter a name for the Template Group. Click Add to continue. 5 Highlight Template to add to group from the Available Templates Box. Use the right pointing arrow to move the Template to the Selected Templates Box. 5 Click Add. Initiate group by using the Multiple Entry function. Initiate Multiple Wires Submit several Wire Templates or Wire Template Groups from one screen. Select Money Transfer from the drop-down menu, then the Multiple Entry tab. Select Templates from Available Templates Box or select a group of Templates from the Available Groups box. Click Input Wires to complete. 8 FirstConnect Corporate Internet Banking

31 Money Transfer Wire (continued) Wire Report With FirstConnect Corporate, you can view an on-screen version of the Wire Transfer report. Select Money Transfer from the drop-down menu, then the Wire Report tab. Select Accounts and the Fedwire payment type. Set Date Range and additional query criteria if needed. Choose Report Characteristics. Click Submit to view on-screen report. 5 5 Click on the Details icon to view wire detail. Money Transfer Admin Wire Approval Requirements The Company Administrator can set additional approval requirements for wires at the account level. Account limits cannot be set for a dollar amount that is higher than the Firstrust defined limits. Select MT Admin from the drop-down menu, then the Approval Reqs tab. Select All Accounts or specific account from the list. Uncheck the box if the setting does NOT apply to all accounts. Select the Number of approvers from the drop-down menu for Repetitive Template and Freeform Wires. Select Dynamic to create tiered wire levels with different approval requirements For Dynamic limits, enter the dollar ranges for the number of approvers in the pop-up box and click Update. 6 Select the number of approvers for new Wire Templates. 7 Select Submit to complete. 6 Comprehensive Guide 9

32 Money Transfer Admin Wire (continued) Add Banks to Short List Add frequently used Banks to this list for quick access when Initiating Wires and Wire Templates. Select MT Admin from the drop-down menu, then the Bank Short List tab. Select Bank from available Banks list. Click Add to complete. Security Center Maintain Passwords If you need to change passwords for your FirstConnect Corporate account, go to the Security Center. You will need to answer the three Security Questions that you selected when you first logged into FirstConnect Corporate. Select Security Center from the drop-down menu, then click the Maintain Password tab. Answer the three Security Questions, then click Submit. Enter your Current Password, then your New Password. Re-type your New Password to confirm. Click Submit to save your Password information. Password Report Administrator can access this report to review User Login report. Select Security Center from the drop-down menu, then click the Password Report tab. Select User(s) and click Run Enrollment Report to view on-screen. 0 FirstConnect Corporate Internet Banking

33 Single Sign-On Services (SSO) Lockbox With same-day online access to FirstConnect Corporate, your remittance information is right at your fingers. Through SSO Services, you can view, print, export and even download your check and stub images right from your desktop. Select SSO from the drop-down menu, then click the CMS Lockbox tab. Click Login to AccessPlus to access lockbox deposits. Note: When adding SSO functionality for Lockbox, the Primary Company Administrator must first confirm with the Bank that the User has been set up on the application as a User by calling BANK. Positive Pay The Positive Pay feature allows you to compare checks presented for payment against an electronic check issue file to identify potentially fraudulent items. You can enter your issue records directly into the Positive Pay system or upload an issue file. Checks are presented for payment against the Positive Pay issue file and exceptions are available for decisioning between :00 noon and :00 pm daily. Choose SSO Services from the drop-down menu. Click on the Positive Pay tab. Click on Login to Positive Pay. Note: When adding SSO functionality for Positive Pay, the Primary Company Administrator must first confirm with the Bank that the User has been set up on the application as a User by calling BANK. Stop Payment Stop a Payment You can request a Stop Payment on a single check or a range of checks. Stop Payment requests received between 8 am - 5 pm will be processed the same business day. Select Stop Pay from the drop-down menu, then click the Stop Payment tab. Enter the Number and the Name on the account, then click Find / Refresh. Your results will appear in the box below. From the drop-down menu, select Stop. Enter a single check and the Amount, then click Submit to complete the Stop Payment request. Comprehensive Guide

34 Stop Payment (continued) Stop Payment Reports With FirstConnect Corporate, you have the capability to create a report of your current and past Stop Payment requests. Simply select Stop Pay from the drop-down menu, then click the Stop Pay Reports tab. Enter the Number and the Name on the account, then click Find/Refresh. Your results will appear in the box below. Select the search parameters including the Date, Check Number, Trace Number and Type. Choose the Style and the Sort method you would like the report to display. Click Submit to view the report. FirstConnect Corporate Internet Banking

35 Help As you navigate the system and become familiar with the features, please know that assistance is available hours a day, 7 days a week with the online Help feature. When you click the Help link in the upper-right hand corner the Help window will appear. Help will be specific to the current function on your screen. Select Help from the upper-right navigation bar. The Help topics will be specific to the current function on your screen. Comprehensive Guide

36 CORPORATE Internet Banking Customer Care Center Representatives are available to answer your questions by calling: BANK Monday Friday 8 am 6 pm Saturday 9 am pm (Excluding Bank Holidays) Member FDIC #MK- 7/