Easthampton Savings Bank Online Business Banking User Guide

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1 Easthampton Savings Bank Online Business Banking User Guide Page 1 of 100

2 Table of Contents SECURITY...6 PASSWORD TAB FUNCTIONALITY...6 SECURE DELIVERY TAB FUNCTIONALITY...9 CHALLENGE CODE TAB FUNCTIONALITY...10 SECURITY ALERTS...11 TO ACTIVATE A SECURITY ALERT...11 RESET A PASSWORD / UNLOCK A USER...12 FIRST TIME USER ENROLLMENT PROCESS...13 FIRST TIME USER ENROLLMENT STEPS...13 FIRST TIME USER LOGIN...14 STEP 1 LOGIN...14 STEP 2.REQUEST SECURE ACCESS CODE...14 STEP 3.ENTER SECURE ACCESS CODE...15 STEP 4.REGISTER COMPUTER...15 ABOUT COOKIES...16 STEP 5.ACCEPT AGREEMENT...16 STEP 6.CREATE YOUR PROFILE...17 STEP 7.CHANGE YOUR PASSWORD...18 STEP 8.ESTABLISH YOUR SECURITY OPTIONS WITHIN ESB ONLINE BUSINESS BANKING ESB ONLINE BUSINESS BANKING SYSTEM GUIDE...19 ACCOUNT OVERVIEW SCREEN...20 QUICK ACTION MENUS...20 ACCOUNT HISTORY SCREEN...21 EXPORT OPTIONS...22 TO EXPORT TRANSACTION HISTORY...22 QUICKBOOKS IMPORT PROCESS WORKFLOW...24 ONLINE ACTIVITY...25 ESTATEMENTS...26 SUBMITTING TRANSACTIONS...27 TRANSACTION AUTHORIZATION REQUEST AND NOTIFICATION ALERTS...28 SEND AN AUTHORIZATION NOTIFICATION...28 FUND TRANSFERS...30 CREATE A ONE TIME FUND TRANSFER...30 CREATE A RECURRING TRANSFER...31 ESB BUSINESS BILL PAY...32 MOVE PAYEES AND ACCOUNT HISTORY TO ESB ONLINE BUSINESS BANKING...32 FIRST TIME ESB BUSINESS BILL PAY USER SIGN UP...34 Page 2 of 100

3 FIRST TIME ESB BUSINESS BILL PAY LOGIN...35 ESB BUSINESS BILL PAY LOGIN...38 CREATE A PAYEE...39 CREATE A BILL PAYMENT WITH INVOICING...41 ELECTRONIC BANKING FUNCTIONALITY OVERVIEW...43 RECIPIENT AND PAYMENT TEMPLATE CREATION AND MANAGEMENT...44 ADD A NEW RECIPIENT...44 CREATE A PAYMENT TEMPLATE...46 EDIT AN EXISTING RECIPIENT...47 EDIT A PAYMENT TEMPLATE...48 REMOVE A PAYMENT TEMPLATE...49 CSV FILE IMPORT...50 PROCESS #1 TO IMPORT A CSV FILE...50 PROCESS #2 TO IMPORT A CSV FILE...51 SINGLE PAYMENTS...52 CREATE A SINGLE PAYMENT...52 SINGLE RECEIPT...54 CREATE A SINGLE RECEIPT...54 PAYROLL...56 CREATE A PAYROLL TEMPLATE FOR AN EMPLOYEE...56 PROCESSING A PAYROLL WITH A TEMPLATE...58 PAYROLL SCREEN FUNCTIONALITY...60 PROCESSING PAYROLL WITH A NACHA FILE...62 PAYMENTS...63 CREATE A PAYMENT TEMPLATE...63 PROCESSING PAYMENTS WITH A TEMPLATE...65 PAYMENT SCREEN FUNCTIONALITY...66 COLLECTIONS...67 CREATE A COLLECTIONS TEMPLATE...67 PROCESSING COLLECTIONS WITH A TEMPLATE...69 COLLECTIONS SCREEN FUNCTIONALITY...69 TAX PAYMENTS...71 MAKE A FEDERAL TAX PAYMENT...71 MAKE A MA STATE TAX PAYMENT...72 SECURE MESSAGES...73 SEND A SECURE MESSAGE WITH AN ATTACHMENT...73 SECURE MESSAGE REPLIES SECURE MAILBOX...74 OTHER SECURE MESSAGE FEATURES...76 FILTER OPTIONS FOR YOU SECURE MAILBOX...77 Page 3 of 100

4 ADDRESS AND CONTACT INFORMATION CHANGES...78 CHANGE AN ADDRESS AND/OR CONTACT INFORMATION FOR ONE OR ALL ACCOUNTS...78 STOP PAYMENTS...79 REQUEST A STOP PAYMENT...79 LINE OF CREDIT REQUEST FORM...81 INITIATE A LINE OF CREDIT REQUEST...81 FORMS AND GUIDES...82 ACCOUNT PREFERENCES...83 CREATE ACCOUNT NICKNAMES...83 ORDER ACCOUNTS...83 TRANSACTION HISTORY PREFERENCES...83 ALERTS...85 CREATE AN ALERT...85 MANAGING ACCOUNT AND DATE ALERTS...87 EDIT THE SELECTED ALERT...87 REMOVE THE SELECTED ACCOUNT/DATE ALERT...87 USER PREFERENCES...88 UPDATE YOUR USER PROFILE...88 MANAGE USERS...89 CREATE A NEW USER...89 DELETE A USER...90 USER RIGHTS...91 ASSIGN USER ACCOUNT ENTITLEMENTS...91 ASSIGN USER TRANSACTION ENTITLEMENTS...92 TO ASSIGN USER TRANSACTION LIMITS...93 ASSIGNING OTHER MISCELLANEOUS USER ENTITLEMENTS...94 MOBILE...95 ENROLLING FOR MOBILE BANKING...95 ACCESS THE MOBILE BANKING SITE...96 ENABLE MOBILE TRANSACTION AUTHORIZATION...98 MOBILE SITE OVERVIEW...99 AUTHORIZE A TRANSACTION IN MOBILE BANKING Page 4 of 100

5 Introduction Welcome to the ESB Online Business Banking solution. We are pleased to offer this product that offers the latest in innovative features and security. This guide will show you how to perform features within the online business banking system. You will also find a Help button at the bottom of all the screens that provides explanations and instructions for the screen you are viewing. To enroll for ESB Online Business Banking review the First Time User Enrollment Process section and contact an ESB representative at (413) Your feedback is important to us. If you have any questions or suggestions regarding this documentation or the ESB Online Business Banking service please feel free to contact us at (413) Page 5 of 100

6 Security ESB is dedicated to providing the best security possible for our customers. We provide the ESB Online Business Banking security features to allow the utmost security on your online business banking accounts and advise you to take advantage of each feature. The best security defense is routine monitoring of you account history. If at any time you feel that your accounts have been compromised you should immediately contact ESB support at (413) The security link within ESB Online Business Banking offers the following features: Password Tab Functionality The password tab allows you to change your password at any time. Your Password must meet the following requirements: Must be at least 5 characters Cannot be more than 15 characters Must contain at least one number Must contain at least one uppercase character Cannot be the same as the last 10 passwords Click the Submit Password button to accept the password change. Page 6 of 100

7 Phishing Phrase Tab Functionality Phishing is a fraud technique that is increasingly being used to collect personal information to commit fraudulent activities. Consumers are receiving e mails that direct recipients to websites that appear to be a banks website but is fraudulent. You may then be asked to input personal information such as bank account numbers, PINs or a Social Security Number. Easthampton Savings Bank will never call you and ask for personal information over the telephone or request personal information via in this manner. DO NOT follow the link or provide any personal information. You can use the phishing phrase feature to ensure that when you access your ESB Online Business Banking you have accessed the correct site. To create your Phishing Phrase 1. Under the Security link, choose the Phishing Phrase tab. 2. Simply type a phrase in the My Phrase field and click the Submit My Phrase button to display on the sign in page. Another way to verify you have accessed the correct site. Verify the following website appears in the Address line: Page 7 of 100

8 AntiPhishing Phrase on the Sign In Page. Page 8 of 100

9 Secure Delivery Tab Functionality Use this tab to enter your preferred e mail and/or phone contact information in the fields provided. This contact information will be used for delivery of a one time Secure Access Code. The Secure Access Code will be used the first time you sign on to register your computer for one time or future use. A cookie will be stored on your computer. This cookie allows the computer to have future access to the ESB Online Business Banking site without having to provide a secure access code each time you log in. Note: Each time you delete your cookies from your browser it will cause you to re register your computer. To input your secure delivery options: 1. Click the Security link and choose the secure delivery tab. 2. Enter up to three addresses and three phone numbers to obtain your secure access code. It is recommended that you input at least one address and one phone number. Each time a secure access code is needed you can choose the delivery method most convenient at the time. 3. Click the Submit Contacts button. Page 9 of 100

10 Challenge Code Tab Functionality If you do not have access to any of the secure delivery options and/or have not created your secure delivery option you may use a custom challenge code for one time online access. For your security you will only be able to register your computer for one time access when logging in with a challenge code. Your challenge code must meet these requirements: Must be at least 4 characters Cannot be more than 10 characters Must contain at least one number Must contain at least one alpha character To create your challenge code 1. Click the Security link and choose the Challenge Code tab 2. Insert your chosen Challenge Code in the My Code field and click the Submit Challenge Code button. Your code will stay the same and may be re used unless you change it. Page 10 of 100

11 Security Alerts Security Alerts are available under the Alerts tab and once activated will assist in providing greater security for ESBriefcase users. The following alerts are available: Alert me when a browser is registered Alert me when a/my user login is disabled Alert me when a/my user login is locked out Alert me when a new user is created Alert me when a recipient is added Alert me when a user profile is updated Alert me when a valid forgot password secure access code is presented Alert me when a valid password is presented Alert me when a valid secure access code is presented Alert me when an invalid forgot password secure access code is presented Alert me when an invalid password is presented Alert me when an invalid secure access code is presented Alert me when forgot password is attempted Alert me when my password is changed Alert me when my security alert preferences are changed To Activate a Security Alert 1. Click the Security link and choose the Alerts tab 2. Input the address where you would like the alerts sent to. NOTE: At this time security alerts cannot be delivered via telephone. You will be notified when this functionality becomes available. 3. Click Submit Alerts Changes to begin receiving alerts. Page 11 of 100

12 Reset a Password / Unlock a User If a User ID is locked out or a password reset is needed perform the following steps: 1. On the ESB Online Business Banking Login Page input you User ID. Place a check mark in the Forgot Password? box. 2. Click the Login button to access the Secure Access Code delivery options. Choose a delivery option and click the Continue button. 3. Once received, enter the Secure Access code in the corresponding box and click the Continue button. 4. On the Change Password page input a new Password. Retype the Password to confirm and click the Submit Password Change button to accept the password change. Page 12 of 100

13 First Time User Enrollment Process First time users will need to read and sign one or all of the following Agreements (depending on the services requested) to sign up for ESB Online Business Banking: Online Business Banking Agreement Online Business Banking ACH Agreement Online Business Banking Wire Transfer Agreement Agreements can be accessed on the ESB Online Business Banking sign in page: The signed agreement(s) will be sent back to ESB for processing. Once they have been processed you will receive an that will prompt you to sign on with the user ID you have chosen. You will then be able to complete the login process outlined in the next section. First Time User Enrollment Steps 1. Login 2. Request Secure Access Code 3. Enter Secure Access Code 4. Register Computer Read and Accept ESB First Time User Agreement 5. Accept Agreement 6. Create Your Profile 7. Change Your Password 8. Establish Security Features within ESB Online Business Banking Page 13 of 100

14 First Time User Login Step 1 Login Access the ESB website at Click on the Business Login button in the Online Banking Sign In Box. Enter your User ID, place a check mark in the I am a First Time User box and Click the Login Button. Online Banking Personal Sign Up l View a demo Business Sign Up l View a demo > Open an account > Apply for a loan Step 2.Request Secure Access Code Choose your secure access code delivery method and click Continue. Page 14 of 100

15 Step 3.Enter Secure Access Code Enter your 6 digit secure access code and click the Continue button Step 4.Register Computer If you are registering the computer for continued use click the radio button that states Activate this computer for later use. If you are registering the computer for one time access click the radio button that states Give me one time access only (do not activate this computer). This will only allow you to access the site one time. Click the Continue button to accept the registration. Page 15 of 100

16 About Cookies A cookie (also tracking cookie, browser cookie, and HTTP cookie) is a small piece of text stored on a user's computer by a web browser. A cookie can be used for authenticating, session tracking, and remembering specific information about users, such as site preferences or the contents of their electronic shopping carts. Being simple pieces of text, cookies are not executable. They are neither spyware nor viruses, although cookies from certain sites are detected by many anti spyware products because they can allow users to be tracked when they visit various sites. In ESB Online Business Banking, activating a computer for later use will place a cookie on your computer that will allow future access to the site without having to complete the registration process each time. When the one time access option is chosen in ESB Online Business Banking you will be asked to register a computer each time a sign on is attempted to a computer that does not hold a cookie from this site. The cookie is also specific to a user, for each sign on attempt to a computer the registration process will be activated. Step 5.Accept Agreement Please read the ESB First Time User Agreement and click I Accept to confirm receipt of this agreement. Page 16 of 100

17 Step 6.Create Your Profile The profile information you enter will be used by ESB to maintain accurate records and to provide quality customer service. Enter your information to complete the profile screen and click the Create Profile button Items marked with a * are required Page 17 of 100

18 Step 7.Change Your Password Change your initial sign on Password to a personalized, unique password that you choose. Click the Submit Password Change button to accept the password change. Password Requirements: Must be at least 5 characters Cannot be more than 15 characters Must contain at least one number Must contain at least one uppercase character Cannot be the same as the last 10 passwords Step 8.Establish your Security Options within ESB Online Business Banking. Refer to the Security Sections for an overview of the security features and instructions for establishing them. Page 18 of 100

19 ESB Online Business Banking System Guide With the ESB Online Business Banking system customers will benefit from a wide variety of banking options including the ability to perform electronic banking transactions and funds transfers between accounts. Electronic banking includes collections, payroll, single and multiple automatic withdrawals and deposits and tax payments Use this guide as an aid to walk you through the various modules and screens within the system. It provides procedures on how to use the functionality as well as helpful tips and need to know items. NOTE: Not all screens presented in the guide may be available when you log into the system depending on what services you chose upon enrollment. The User Guide will walk you through each link located in the left hand side of the screen in order of appearance. Page 19 of 100

20 Account Overview Screen The following information and transactions can be accessed or performed from this page: Access to all Online Accounts Notification of Today s Transactions have occurred on your accounts (these accounts will show in bold and red) Account Type or Nickname (Display Name) Date and Time of Last Account Update Current Balance Checking Accounts Last Deposit Amount Savings Year To Date Interest Amount CD / IRA Last Interest Paid Amount Loans Next Payment Amount Quick Action Menus Use the quick action arrow option to quickly and easily perform transactions without having to leave the Account Overview page. The following transactions can be performed or viewed with the quick actions arrows: View History Account Details Transfer From/To Print Page 20 of 100

21 Account History Screen Use the Account history page to view all of your account transactions. You can also export to various file types including QuickBooks, Microsoft Money, XLS and CSV formats (See Export Options and Procedures in this section for an overview of the various file types and how to import them). Click Search button to display search option drop down menu Double Click the magnifying glass to view a check image. On this page you can also: View Check Images by double clicking the magnifying glass View account history details in the description field Search for specific account history by: Most Recent Transactions Most Recent Days Single Check Multiple Checks Single Date Range of Dates Single Amount Range of Amounts Description All Available Transactions Account History Details Page 21 of 100

22 Export Options ESB Online Business Banking gives the option to download from the following formats: QuickBooks QuickBooks is Intuit s business accounting software. Microsoft Money Microsoft Money is Microsoft's personal finance software. XLS XLS is the format used to export to Microsoft s Excel spreadsheet application. CSV A Comma separated values (CSV) file is used for the digital storage of data structured in a table of lists form. Each line in the CSV file corresponds to a row in the table. Within a line, fields are separated by commas, each field belonging to one table column. Since it is a common and simple file format, CSV files are often used for moving tabular data between two different computer programs such as Microsoft s Word and Excel software. The Export Option is under the Display drop down Menu To Export Transaction History 1. Click the History link to access the account history screen. 2. Choose the account whose history you would like to export from the Account drop down and click the submit button. 3. When the history appears, click the display button and choose Export from the drop down menu. 4. Choose the Export option from the drop down menu located to the left of the Export button. Page 22 of 100

23 5. Spreadsheet (XLS) Choose this option from the drop down menu to export to an Excel spreadsheet. Click the Submit button. Click OK to the box that appears that states CAUTION: The information that you are exporting will be cached by the Internet Explorer browser on this computer and may be accessible by other users once you sign off in the form of Temporary Internet Files. Select OK to export this information. If this is a public computer, or if you are unsure, we recommend that you select Cancel. The spreadsheet will appear with the transaction history from the account chosen. At this time, you may save the file for later use. 6. Spreadsheet (CSV) Choose this option from the drop down menu to export to a CSV file. Click the submit button. Click OK to the box that appears that states CAUTION: The information that you are exporting will be cached by the Internet Explorer browser on this computer and may be accessible by other users once you sign off in the form of Temporary Internet Files. Select OK to export this information. If this is a public computer, or if you are unsure, we recommend that you select Cancel. When prompted by the pop up box either open the file to view it or save it on your computer for future use. 7. Microsoft (OFX) Choose this option from the drop down menu to export to your Microsoft Money software. Click the Submit button. Click OK to the box that appears that states CAUTION: The information that you are exporting will be cached by the Internet Explorer browser on this computer and may be accessible by other users once you sign off in the form of Temporary Internet Files. Select OK to export this information. If this is a public computer, or if you are unsure, we recommend that you select Cancel. Launch Microsoft Money. On the File menu, click Open. In the Files of type box, click All Money Files (*.m1?, *.mn?, *.mbf, *.bak, *.cek). Locate and then click the file that you want to open. Then, click Open. 8. QuickBooks (QBO) Choose this option from the drop down menu to export to your QuickBooks software. Click the Submit button. Click OK to the box that appears that states CAUTION: The information that you are exporting will be cached by the Internet Explorer browser on this computer and may be accessible by other users once you sign off in the form of Temporary Internet Files. In your QuickBooks software a pop up box will appear that asks if you want to Import new transactions now or Save transactions to a file. Choose one of these options and click OK. Follow the QuickBooks Import Process Workflow on the next page for instructions on adding these transactions within QuickBooks. Page 23 of 100

24 QuickBooks Import Process Workflow Use this workflow for importing your account history within QuickBooks See Export Options for initiating the export file to quick books within ESB Online Business Banking First time downloading or want to use a different account? No Returning User Yes Select Account to Import into Click Add Transactions to QuickBooks Click Add Transactions to QuickBooks Click Add Multiple 1. Go down list of Renamed/Unmatched transactions. 2. Click Add Selected. DONE Page 24 of 100

25 Online Activity The Online Activity Screen outlines the Authorized, Drafted, and Canceled transactions performed in ESB Online Business Banking for review and approval. You may also cancel a transaction from this screen. Group and Search Options Quick Action Menu Options Online Activity can be sorted and searched by using the Group by, Search and Status search options on the page. Quick Action Drop Downs are available to view, approve and cancel transactions all from the same screen. Page 25 of 100

26 estatements ESB s estatement service is available for your business accounts through online business banking. To Sign up for estatements 1. Click the estatements link to access the Online Statements page. 2. Choose an account from the drop down and click the submit button. 3. Read and accept the estatement disclosure for immediate access to 16 months of statements. To view other account statements 1. Click the estatements link. 2. You will be re directed to the ESB estatements page where you will be able to choose which account you would like to view a statement for Page 26 of 100

27 Submitting Transactions You will be presented with the submit transaction page each time you initiate a transaction in ESB Online Business Banking. On this page you will be given the option to draft, approve or cancel a transaction. Approve: Items will be sent to the bank for processing Draft: Items are drafted for final approval by another company employee Cancel: Items will be cancelled and not sent Page 27 of 100

28 Transaction Authorization Request and Notification Alerts When submitting a transaction you can send an alert that a transaction needs be authorized to another user who is authorized to approve transactions via or their mobile phone. Send an Authorization Notification If the Authorization Alerts menu is hidden click the carrot to expand the menu. 1. On the Submit Transaction screen click the Mobile Alerts button. The Mobile Alerts box will appear. 2. In the Mobile Alerts box check the Send confirmation upon approval of this transaction box and insert the address where you would like the confirmation sent. 3. Click the Send button to complete the notification. NOTE: E mail requests are for notification only and will require the approver to logon to approve the transaction. Page 28 of 100

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30 Fund Transfers Use the funds transfer screen to initiate a one time or recurring transfer or payment between your ESB Online Business Banking accounts and loans. Transfers initiated after 8:00 PM will be posted with a date as of the next business day. Note: Transfers cannot be created for passbook, IRA or CD accounts (Excluding the 7 Day Business CD). Create a One Time Fund Transfer 1. Click the Funds Transfer link to access the Transfer Funds screen. 2. Choose which account the transfer will be withdrawn from in the From Account drop down menu. 3. Choose which account the transfer will be deposited to in the To Account drop down menu. 4. Choose the date you would like the transfer completed using the calendar that appears when you click the Transfer Date drop down menu arrow. 5. In the Amount field type the amount of the fund transfer. 6. Use the Description field to input any memo items (ex. Weekly Payroll Transfer). 7. Click the One Time Transfer radio button and click the submit button. 8. See the Submitting a Transaction section of this guide for procedures on submitting this transaction. Page 30 of 100

31 Create a Recurring Transfer Recurring transfers can be initiated up to 8:00 PM for an effective date of the next business day. Note: Transfers cannot be created for passbook, IRA or CD accounts (Excluding the 7 Day Business CD). 1. Click the Funds Transfer link to access the Transfer Funds screen. 2. Choose which account the transfer will be withdrawn from in the From Account drop down menu. 3. Choose which account the transfer will be deposited to in the To Account drop down menu. 4. Choose the date you would like the transfer completed using the calendar that appears when you click the Transfer Date drop down menu arrow. 5. In the Amount field type the amount of the fund transfer. 6. Use the Description field to input any memo items (ex. Weekly Payroll Transfer). 7. Click the green button to drop down the Recurring Transfer menu and choose the Recurring radio button to activate the menu 8. Choose the appropriate items that correspond to the recurring transfer you are creating by using the various drop downs, check boxes and radio buttons then click the Submit button. 9. See the Submitting a Transaction section of this guide for procedures on submitting this transaction. Page 31 of 100

32 ESB Business Bill Pay ESB s Online Business Bill Payment allows the business user to create Payees and send payments with invoicing and is accessible through ESB Online Business Banking. If you would like to pay bills electronically contact an ESB Customer Service representative at (413) for details about the Electronic (ACH) banking functionality within ESB Online Business Banking. Move Payees and Account History to ESB Online Business Banking Moving Payees If you currently use personal ESB online banking there are options for transferring your current payees to ESB Online Business Banking. Please notify ESB when you enroll that you would like assistance in moving your payees. To Save and Export Account History When you move from personal ESB online banking to ESB Online Business Banking your account history will not transfer over. Prior to switching you should perform a CSV export to save a copy of your account history. To export and save a CSV history file: 1. Access the personal ESB website at and click the personal ESB Online Banking Login button. 2. Enter your User ID and click the Continue button. 3. Verify your personal image and enter your Password. Click the Login button. 4. Click the Accounts Tab. 5. On the ESB Accounts screen choose the account that you would like to save the history for and click the Account History button. Select the date from where you would like to maintain your history (up to a year). 6. On the Account History screen choose CSV from the Export To: drop down menu and click the Export Data button. 7. Click Save in the File Download box. 8. Appropriately name the file in the File Name field and click the save button. Repeat these steps for each account you would like to save the history for. Page 32 of 100

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34 First Time ESB Business Bill Pay User Sign Up 1. Choose the Bill Pay New User link (under the Services Heading). 2. In the Bill Payment screen click the Sign Up Now! link 3. On the ESB Business Bill Pay Sign Up Information Page click the Online Application link located at the bottom of the page 4. Step 1: Enter the Business and Account Information and click the Submit button 5. Step 2: Enter your User information and click the Submit button. NOTE: Enter Mother s Maiden name in the Authentication Field. This will be used for authentication purposes when assistance is needed. 6. Step 3: Choose your User ID and Personal security authentication questions. 7. Step 4: Review the information you input and click the Submit button to accept the application. 8. Step 5: Welcome Page. Please allow two business days for your application to be accepted and processed. A confirmation will be sent when your access is granted for the ESB Business Bill Pay. Page 34 of 100

35 First Time ESB Business Bill Pay Login 1. Choose the Bill Payment link to access the Bill Pay login screen. 2. Enter the User ID you chose when you signed up and click continue. 3. Enter your temporary password in the corresponding field on the next page and click the Login button. 4. You will be presented with the security page that identifies and outlines the security features you will be asked to create. The next steps are: Select and answer your security questions. Choose a personal image and give it a name. Continue banking, with an even higher level of security. Click the continue button to begin this process. 5. On the Security Questions page choose three separate security questions from three different drop down menus. Answer the chosen questions in the field under each question and click continue. Page 35 of 100

36 6. On the Personal Image page you will be presented with an image that you can accept or you may choose another image. Input an image name that will personalize the image for security purposes. NOTE: This image will be presented at login and is notification to you that you have accessed the correct site. The image would not be present if the site you were accessing was a fraudulent site. See Screen Shot Below If you choose to change the image click the change image button, click the select image link under the image you would like to keep for this security feature. Note: You can also confirm you have accessed the correct site by verifying the following web address in the address line: 1C74C01BF32B89A35F9DD4DA BDF0094FC0DBBE59002B01060ABABC19F012AB9BCF1BC6D 968D978&banktag=1898 Click the Change Image button to change your security image. Input a name for your personal image in this field. Page 36 of 100

37 7. On the Review page verify the security information that you input and click the submit button. If you need to change the security information click the change button in the security section where the change will be made. 8. Click Continue on the security information setup confirmation page. 9. You will be asked to change your temporary password on the next page. Input your temporary password in the corresponding field then input your new password and confirm your new password. Click the Submit Password button to accept the password change. 10. Click Continue button on the password change confirmation page. Page 37 of 100

38 ESB Business Bill Pay Login 1. Choose the Bill Payment link to be directed to the ESB Online Business Banking login page. 2. Enter your User ID in the corresponding field and click continue 3. Enter your password on the next screen and click Continue. Page 38 of 100

39 Create a Payee A Payee must first be created in order to send a Bill Payment. 1. Login to ESB Business Bill Pay. 2. On the Business Bill Pay home page choose the Payments tab. 3. Click the Payees link to access the Payees screen 4. Click the Add Payee button 5. Choose from one of the add payee options on the next screen and click Continue. One of these frequently paid businesses: Choose the business from the drop down menu to the right of this option. Another Business: Choose this option if the business you are sending the payment to does not appear in the frequently paid business drop down. An Individual: Choose this option if you are sending the payment to an individual person Checking, Savings, or share account: Choose this option to send money to your accounts at other financial institutions. Page 39 of 100

40 6. Depending on which payment choices is made, you will be asked to complete one or more of the following fields in the next screen: Nickname for Payee Payee Full Name Name on Account Account # Type of Business Address City State Zip Code Phone Number Name of Financial Institution Type of Account Routing and Transit Number 7. Click the Submit Payee button to accept the new Payee. Page 40 of 100

41 Create a Bill Payment with Invoicing 1. Login to ESB Business Bill Pay. 2. On the Business Bill Pay home page choose the Payments tab. 3. Click the New Payment link to access the New Payment Screen 4. If you would like to include invoicing for the payment place a check mark in the box that states Select here to include an invoice or additional information with your payment. Checking this box will expand the invoicing / payee information fields below the payment information. 5. Complete the following fields: Payee: Choose the payee from the drop down menu Pay From: Choose the account where the amount of the bill will be drawn from the drop down menu. Send On: Choose the date that you would like the bill sent Deliver By: This is the date that the bill is guaranteed to be delivered by. Note: This field will prefill when you choose the Send On date. Amount: Input the amount of the bill. Page 41 of 100

42 6. Input the following information in the Invoice/Payee Information section: Invoice Information: Input your invoice information into this field to be included on the bill payment. Address, City, State, Zip Code 7. Click the Submit Payment button to review the payment. 8. On the Payment Scheduled screen review the payment details and click the Continue button to accept the payment. Page 42 of 100

43 Electronic Banking Functionality Overview Below is a description of the ACH and Electronic Banking functionality found under the Commercial heading in the ESB Online Business Banking System. This functionality may or may not be visible in the side navigation links depending on your level of access. If there is a service that you would like to add to your Online Business Banking simply contact your Company Administrator or an ESB Customer Service Representative at (413) Functionality Recipients Payment Template Payroll Single Payment Payments Single Receipt Collections Wire Transfer Tax Payment Description A recipient is an individual or business to whom you are authorized to issue a credit or debit. A recipient must be set up to process a Payroll, Single Payment, Single Receipt, Collections or Wire Transfer. You can manage your recipients via the Recipients link under the Commercial heading. You have the ability to add, edit or delete Recipients. A payment template coincides with your recipients. A payment template must be created and added to a recipient in order to process electronic banking transactions. The payroll functionality allows you to create a template to make an electronic direct deposit to your employees for payroll purposes. It allows an employee to break out their deposit into two separate accounts. The Single Payment functionality allows you to send a single electronic deposit to another persons (recipients) account at Easthampton Savings Bank or another Financial Institution. The Payments functionality allows you to send multiple electronic deposits to other peoples (recipients) accounts at Easthampton Savings Bank or another Financial Institution. The Single Receipt functionality allows you to initiate a single electronic withdrawal from a persons (recipients) account at Easthampton Savings Bank or another Financial Institution. The Collections functionality allows you to initiate multiple electronic withdrawals from peoples (recipients) accounts at Easthampton Savings Bank or another Financial Institution. The Wire Transfer page provides a form for you to input and submit wire transfer requests to Easthampton Savings Bank. The Tax Payment functionality provides a form for you to input your tax information and send it via an electronic transaction. Note: You must first sign up for this service with the Federal or State government to begin using this service. Page 43 of 100

44 Recipient and Payment Template Creation and Management A recipient is an individual or business to whom you are authorized to issue a credit or debit. A recipient must be set up to process a recurring Payroll, Single Payment, Single Receipt, Collections or Wire Transfer. A Payment Template is created within and in conjunction with the recipient functionality. The Payment template is what allows the recipient to be linked to the various Commercial functions, Payroll, ACH Payment, ACH Receipt and Wire Transfers. Various Payment Templates can be created under one recipient. Note: If you have electronic files with the recipient and payment information needed in a CSV format you can import it and bypass the manual entry. See the CSV format import section for instructions. Add a New Recipient 1. Click the Recipients link under the Commercial heading 2. On the Manage Recipients page click the Add Recipient button. 3. Enter the recipient information. Note: An address can be input in the field to notify a recipient when an ACH payment or receipt has been sent. 4. Click the Submit Recipient button to accept new recipient. Note: If you wish to add a payment template for the recipient do not click the submit button see create a payment template procedure. Page 44 of 100

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46 Create a Payment Template Various payment templates can be created under one recipient. If you wish to add more than one type of payment under a recipient simply repeat the steps below. 1. On the Recipient Screen click on the recipient that you want to add a payment to select them and click the edit recipients button. 2. In the Edit Recipients screen click the Add Payments button located in the Manage Payments box. Page 46 of 100

47 3. On the Add new Payment screen choose the payment type from the drop down menu. Type the amount and applicable memo information in the corresponding fields. 4. Under the Payment Template section choose from the following options: New batch: This option allows you to create a new electronic banking batch for you to compile various electronic transactions to be sent at once. Existing Batch: With this option, you can add the payment to an existing batch that has been created. Single Payment: This option will allow a one time electronic banking transfer. 5. Enter the receivers account information in the appropriate Recipient Account Information fields. 6. Place a check mark in the box next to the user(s) you wish to grant access to the template. 7. Click the Submit button to accept the Payment Template. Edit an Existing Recipient 1. On the Recipient Screen click on the recipient that you want to add a payment to select them and click the edit recipients button. 2. Make the appropriate changes in the Edit Recipient Screen and click the Submit Recipient button to accept. Page 47 of 100

48 Edit a Payment Template 1. Click the recipient link and highlight the recipient whose payment template you would like to change. 2. Choose the Edit Recipient button. 3. On the edit recipient screen highlight the payment template you would like to edit and click Edit Payment button in the Manage Payments box. 4. On the Edit Payment screen make the appropriate changes and click the Submit button. Remove a Recipient 1. Click the recipient link and highlight the recipient you would like to remove. 2. Click the 6 button to delete the selected recipient. 3. Click OK in the pop up box that asks Are you sure you want to delete the selected recipient? Page 48 of 100

49 Remove a Payment Template 1. Click the recipient link and highlight the recipient whose payment template you would like to remove. 2. Choose the Edit Recipient button. 3. In the edit recipient screen highlight the payment template you would like to remove and choose the 6 button to delete the selected recipient. 4. Click OK in the pop up box that asks Are you sure you want to delete the selected payment? Page 49 of 100

50 CSV File Import CSV Files can be imported for the following Electronic Banking functions in ESB Online Business Banking: Payroll Payments Collections Using a CSV file decreases the manual input necessary and automates electronic banking functionality. A CSV files' information is separated by commas and must be created in a specific format. The two processes for importing a CSV file in ESB Online Business Banking are: 1. Each person in the CSV file is first created as a recipient in the ESB Online Business Banking system. The CSV file will only need to contain the recipients name and the amount of receipt or payment. 2. With this process no recipients need to be created in ESB Online Business Banking prior to importing the file. The CSV file is created with the recipients name, routing and transit number, account type and amount of the receipt or payment. Process #1 to Import a CSV File 1. Create the CSV file with the recipients name and the amount of the receipt or payment. Note: the recipients name in the CSV file must exactly match the recipients name created in ESB Online Business Banking. 2. Create a recipient in ESB Online Business Banking for each recipient in the CSV file. 3. In the Payroll, Payments or Collections screen click the browse button next to the import field to search for the CSV file. 4. Choose the CSV file from the choose file box and click the Open 5. On the next page choose the account where the money will be deposited or withdrawn from. The Pay From field will default to the company. Choose the effective date from the corresponding drop down. Click the Continue button. Note: The cutoff time for electronic (ACH) transaction submission is 3:00 PM EST. If it is after this time the effective date will be the next business day. For example if the transaction is submitted at 3:30 on September 1 st the effective date will be September 3 rd. The effective day is the day the transaction will be submitted to the recipients account. 6. On the transaction overview screen you will be presented with the following option to Approve, Draft or Cancel. Approve: Items will be sent to the bank for processing Draft: Items are drafted for final approval by another employee Cancel: Items will be cancelled and not sent 7. Click OK when the window appears that says Are you sure you want to approve this transaction? 8. Follow the Payroll, Payments or Collections procedures to complete the transaction. Page 50 of 100

51 Process #2 to Import a CSV File 1. Create the CSV file with the recipient s name, the routing and transit number, the recipients account number, the account type and the amount of the receipt or payment. Note: The account type is 1 for checking and 2 for savings. 2. Create a recipient in ESB Online Business Banking for each recipient in the CSV file. 3. In the Payroll, Payments or Collections screen click the browse button next to the import field to search for the CSV file. 4. Choose the CSV file from the choose file box and click the Open 5. On the next page choose the account where the money will be deposited or withdrawn from. The Pay From field will default to the company. Choose the effective date from the corresponding drop down. Click the Continue button. Note: The cutoff time for electronic (ACH) transaction submission is 3:00 PM EST. If it is after this time the effective date will be the next business day. For example if the transaction is submitted at 3:30 on September 1 st the effective date will be September 3 rd. The effective day is the day the transaction will be submitted to the recipients account. 6. On the transaction overview screen you will be presented with the following option to Approve, Draft or Cancel. 7. Approve: Items will be sent to the bank for processing 8. Draft: Items are drafted for final approval by another employee 9. Cancel: Items will be cancelled and not sent 10. Click OK when the window appears that says Are you sure you want to approve this transaction? 11. Follow the Payroll, Payments or Collections procedures to complete the transaction. Page 51 of 100

52 Single Payments The Single Payment functionality allows you to send a single electronic deposit to another persons (recipients) account at Easthampton Savings Bank or another Financial Institution. You must create the recipient and payment template prior to initiating a Single Payment. See the Create Recipient and Payment Template sections. Create a Single Payment 1. Click the Single Payment link to access the Single ACH payment screen 2. On the Single ACH Payment screen choose the Recipient who will receive the payment from the Recipient drop down menu. 3. The Recipients payment information will pre fill into the appropriate fields on the screen. 4. Choose an ACH Format option by clicking the radio button next to one of the following: CCD: Cash Concentration or Disbursement, is an electronic debit or credit from or to a Business Account. Like PPD proper authorization from the owner of the target account is required. PPD: Prearranged Payment or Disbursement is a debit or credit application that transfers funds into or out of a consumer account at the Receiving Depository Financial Institution. The funds being deposited or debited can represent a variety of products such as payroll, interest, pension, dividends, etc. 5. Click the green square to expand the Payment Frequency menu. 6. You can create a one time weekly or monthly recurring single ACH receipt by using the payment frequency options. Choose the corresponding fields for the type of recurring transaction you would like to occur and click the Continue button. 7. A window will appear that states Are you sure you want to submit this transaction? Click OK. 8. On the transaction overview screen you will be presented with the following option to Approve, Draft or Cancel. Approve: Items will be sent to the bank for processing Draft: Items are drafted for final approval by another employee Cancel: Items will be cancelled and not sent 9. Click OK when the window appears that says Are you sure you want to approve this transaction? Page 52 of 100

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54 Single Receipt The Single Receipt functionality allows you to initiate a single electronic withdrawal from a persons (recipients) account at Easthampton Savings Bank or another Financial Institution. Before initiating a Single receipt you should obtain written agreement from the person or business whose account you are debiting. You will need the financial institutions routing and transit number as well as the account number to create the payment template. Create a Single Receipt 1. Click the Single Receipt link to be directed to the Single ACH Receipt screen. 2. Choose the person or business whose account you are debiting from the Payor menu on this screen. The template information will automatically pre fill into the appropriate fields. 3. If you would like the business or customer to be notified that the payment was initiated to be taken from their account place a check mark in the Send notification box. 4. Click the green square to expand the payment frequency menu. 5. You can create a one time weekly or monthly recurring single receipt by using the payment frequency options. Choose the corresponding fields for the type of recurring transaction you would like to occur and click the Continue button. 6. A window will appear that states Are you sure you want to submit this transaction? Click OK. 7. On the transaction overview screen you will be presented with the following option to Approve, Draft or Cancel. Approve: Items will be sent to the bank for processing Draft: Items are drafted for final approval by another employee Cancel: Items will be cancelled and not sent 8. Click OK when the window appears that says Are you sure you want to approve this transaction? Page 54 of 100

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56 Payroll The payroll functionality allows you to create a template to make a direct deposit electronically to your employees for payroll purposes. It allows an employee to break out their direct deposit for up to two separate accounts. If you use software that generates a NACHA compliant payment file you can also use the payroll processing functionality to upload the NACHA file. Create a Payroll Template for an Employee You must first create a payroll template for each employee in order to process your payroll. Please note that the payroll functionality does not calculate taxes for the employee. It simply deposits the net pay to the employees account(s). 1. Click the recipient link to access the Manage Recipients screen. 2. Choose Add a recipient from the drop down menu and click the Submit button. 3. On the Add a New Recipient screen input the Recipient information. Click the Send E Mail Notifications box and input their address if you would like the recipient to be notified when the payroll has been authorized for payment. 4. On the same screen Choose Add a new payment from the Manage Payments and click the Submit button. 5. Choose Payroll from the Payment Type drop down. 6. Under the Payment Information section insert the Total Amount only if this amount is the default amount and will not change weekly. Any Memo/Addenda information added will be visible to the user when the payroll is processed. 7. Choose the New Batch Option and name it something that identifies the payroll (ex. ABC Inc. Payroll). Note: Once this batch is created it should be chosen for all other employees created. 8. In the Primary Account Information area enter the account number, account type and bank routing number. 9. The Payroll functionality allows you to split the payroll to up to two more accounts. Add the account information for splits in the Split A Information and Split B Information sections of this page. 10. The Recipient Employee Information is not required and is used for internal reference. 11. Click the box(es) next to any users that you would like to have access to these templates for payroll processing in the User Template Access Section. 12. Click the Submit button to accept the template. 13. Create each employee as a recipient with a payroll template to process a payroll using a template (as opposed to a NACHA file). Page 56 of 100

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58 Processing a Payroll with a Template Once you have created payroll templates for each of your employees you can now process payroll via the Payroll link. 1. Click the Payroll link to access the Payroll screen. 2. On the Payroll Screen click the template(s) from the Batch drop down. It will automatically pre fill the batch information when it is chosen. This may take 30 seconds to a minute depending on the size of the file. 3. The Pay From Account drop down field will default to your company. Choose the account from the drop down menu where you would like the payroll to be paid from. 4. Choose the effective date of the payroll. Note: Cutoff time for ACH processing is 3:00 PM each business day. If you are processing after 3:00 the effective date should be pushed to the following day. The Effective Date is the day the deposit will be made to the account. For Example if it is 3:30 PM on August 12 th the effective date should be pushed to August 14 th. The Payroll will be processed on August 13 th for deposit on the 14 th. 5. You can create a recurring payroll process by maximizing the Enter Payment Frequency Menu, clicking the recurring radio button and selecting the recurring options from the choices. 6. Each recipient from the batch chosen will appear below the payment frequency section. Place a check mark next to each box for whom you would like to pay for this payroll processing session. 7. Click the continue button and Click OK to the box that states Are you sure you want to submit this transaction? 8. The Submit Transaction page will appear that outlines the details of the Payroll you are processing. Click one of the options for processing: Approve: Items will be sent to the bank for processing Draft: Items are drafted for final approval by another employee Cancel: Items will be cancelled and not sent 9. Click OK to the box that appears that states Are you sure you want to approve this transaction? Page 58 of 100

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60 Payroll Screen Functionality A Check mark will be placed automatically in the Notify box if Send E Mail Notifications was checked when the recipient was created. The total Amount will pre fill if the Total Amount field was filled in when the Payroll Template was created. This amount can be changed if needed. The Addenda Information will pre fill the Addenda/Memo information that was input when the Payroll Template was created. This information can be changed if needed. The total number of payments and the Amount of the Payments is available for your reference in the footer of this section This section has a scroll bar that will scroll left and right. When the scrolled all the way to the right the Primary Account, Split Information and Routing Number are accessible. When the Split information icon is clicked the details of the split can be viewed in a separate window. Simply uncheck the Notify box if you don t want the recipient to be notified when the payment has been authorized for payment. These items will pre fill from the template created but can be changed. Page 60 of 100

61 When the split icon is clicked a Split Payment Details screen is launched that gives the account detail of the split. Payee Section Scrolled to the Right Page 61 of 100

62 Processing Payroll with a NACHA file 1. Click the Payroll link to access the Payroll screen. 2. On the Payroll screen click the Browse button. When the choose file box appears select the file from the appropriate drive and/or folder and click Open. 3. Under the Payment Information section the Pay From Account drop down field will default to your company. Choose the account from the drop down menu where you would like the payroll to be paid from. 4. Choose the effective date of the payroll. Note: Cutoff time for ACH processing is 3:00 PM each business day. If you are processing after 3:00 the effective date should be pushed to the following day. The Effective Date is the day the deposit will be made to the account. For Example if it is 3:30 PM on August 12 th the effective date should be pushed to August 14 th. The Payroll will be processed on August 13 th for deposit on the 14 th. 5. You can create a recurring payroll process by maximizing the Enter Payment Frequency Menu, clicking the recurring radio button and selecting the recurring options from the choices. 6. Click the continue button and Click OK to the box that states Are you sure you want to submit this transaction? 7. The Submit Transaction page will appear that outlines the details of the Payroll you are processing. Click one of the options for processing: Approve: Items will be sent to the bank for processing Draft: Items are drafted for final approval by another employee Cancel: Items will be cancelled and not sent 8. Click OK to the box that appears that states Are you sure you want to approve this transaction? Page 62 of 100

63 Payments This page allows you to quickly and easily make multiple ACH payments (credits) to an existing template you created in the system. Create a Payment Template You must first create a payment template for each recipient in order to process multiple ACH Payments. New Recipient 1. Click the recipient link to access the Manage Recipients screen. 2. Click the Add Recipient button. 3. On the Add a New Recipient screen input the Recipient information. Note: Click the Send E Mail Notifications box and input their address if you would like the recipient to be notified when the payroll has been authorized for payment. 4. On the same screen Choose Add a new payment from the Manage Payments and click the Submit button. Existing Recipient 5. Click the recipient link and choose the recipient for whom you would like to create the new payment template and click the Edit the Recipient button. 6. In the Edit Recipient screen click the Add Payment button located in the Manage Payments box. 7. Choose ACH Payments from the Payment Type drop down. 8. Under the Payment Information section insert the Total Amount only if this amount is the default amount and will not change weekly. Any Memo/Addenda information added will be visible to the user when the payroll is processed. 9. Choose the New Batch Option and name it something that identifies the Payment (ex. Monthly Sales Bonus). Note: Once this batch is created this batch should be chosen from the existing batch for all other recipients to be paid from. 10. In the Primary Account Information area enter the account number, account type and bank routing number. 11. Click the box(es) next to any users that you would like to have access to these templates for payroll processing in the User Template Access Section. 12. Click the Submit button to accept the template. 13. On the Edit Recipient screen Click Submit Recipient to accept the recipient. Perform this for each recipient that will receive a payment from this template. Note: A new recipient may not need to be created rather a new payment may need to be created under the current recipient. Page 63 of 100

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65 Processing Payments with a Template 1. Click the Payments link. In the Multiple ACH Payments Page choose the payment template from the batch drop down menu. The recipients in the drop down will automatically populate. 2. The Pay From Account drop down field will default to your company. Choose the account from the drop down menu where you would like the ACH to be paid from. 3. Choose the effective date of the payment. Note: Cutoff time for ACH processing is 3:00 PM each business day. If you are processing after 3:00 the effective date should be pushed to the following day. The Effective Date is the day the deposit will be made to the account. For Example if it is 3:30 PM on August 12 th the effective date should be pushed to August 14 th. The Payment will be processed on August 13 th for deposit on the 14 th. 4. You can create a recurring payment process by expanding the Enter Payment Frequency Menu, clicking the recurring radio button and selecting the recurring options from the choices. 5. Each recipient from the batch chosen will appear below the payment frequency section. Place a check mark next to each box for whom you would like to pay for this ACH Payment processing session. 6. Click the continue button and Click OK to the box that states Are you sure you want to submit this transaction? 7. The Submit Transaction page will appear that outlines the details of the Payments you are processing. Click one of the options for processing: Approve: Items will be sent to the bank for processing Draft: Items are drafted for final approval by another employee Cancel: Items will be cancelled and not sent 8. Click OK to the box that appears that states Are you sure you want to approve this transaction? Page 65 of 100

66 Payment Screen Functionality A Check mark will be placed automatically in the Notify box if Send E Mail Notifications was checked when the recipient was created. The total Amount will pre fill if the Total Amount field was filled in when the Payroll Template was created. This amount can be changed if needed. The Addenda Information will pre fill the Addenda/Memo information that was input when the Payroll Template was created. This information can be changed if needed. The total Amount of the Payments is available for your reference in the footer of this section This section has a scroll bar that will scroll left and right. When the scrolled all the way to the right the Account Number, Type and Routing Number are visible. Simply uncheck the Notify box if you don t want the recipient to be notified when the payment has been authorized for payment. These items will pre fill from the template created but can be changed. Page 66 of 100

67 Collections The Collections functionality allows you to initiate multiple electronic withdrawals from multiple people (recipients) at Easthampton Savings Bank or other Financial Institutions. Before initiating a Collections template you should obtain written agreement from the people or businesses whose account you are debiting. You will need the financial institutions routing and transit number as well as the account number to create the payment template. Create a Collections Template You must first create a payment template for each recipient in order to process multiple ACH Collections. New Recipient 1. Click the recipient link to access the Manage Recipients screen. 2. Choose Add a recipient from the drop down menu and click the Submit button. 3. On the Add a New Recipient screen input the Recipient information. Note: Click the Send E Mail Notifications box and input their address if you would like the recipient to be notified when the payroll has been authorized for payment. Existing Recipient 4. Click the recipient link and choose the recipient for whom you would like to create the new payment template and choose Edit the Selected Recipient from the drop down menu. Click Submit. 5. On the same screen Choose Add a new payment from the Manage Payments and click the Submit button. 6. Choose ACH Collections from the Payment Type drop down. 7. Under the Payment Information section insert the Amount only if this amount is the default amount and will not change weekly. Any Memo/Addenda information added will be visible to the user when the payroll is processed. 8. Choose the New Batch Option and name it something that identifies the Collection (ex. Invoice # ). Note: Once this batch is created this batch should be chosen from the existing batch for all other recipients to be paid from. 9. In the Primary Account Information area enter the account number, account type and bank routing number. 10. Click the box(es) next to any users that you would like to have access to these templates for payroll processing in the User Template Access Section. 11. Click the Submit button to accept the template. 12. On the Edit Recipient screen Click Submit Recipient to accept the recipient. Perform this for each recipient who will have an ACH Collection from this batch. Page 67 of 100

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69 Processing Collections with a Template 1. Click the Collections link. In the Multiple ACH Receipts Page choose the payment template from the batch drop down menu. The recipients in the drop down will automatically populate. 2. The Pay From Account drop down field will default you your company. Choose the account from the drop down menu where you would like the ACH to be collected from. 3. Choose the effective date of the payment. Note: Cutoff time for ACH processing is 3:00 PM each business day. If you are processing after 3:00 the effective date should be pushed to the following day. The Effective Date is the day the withdrawal will be made to the account. For Example if it is 3:30 PM on August 12 th the effective date should be pushed to August 14 th. The collection will be processed on August 13 th for deposit on the 14 th. 4. You can create a recurring payment process by expanding the Enter Payment Frequency Menu, clicking the recurring radio button and selecting the recurring options from the choices. 5. Each recipient from the batch chosen will appear below the payment frequency section. Place a check mark next to each box for whom you would like to collect from for this ACH Collection processing session. 6. Click the continue button and Click OK to the box that states Are you sure you want to submit this transaction? 7. The Submit Transaction page will appear that outlines the details of the ACH Collections you are processing. Click one of the options for processing: Approve: Items will be sent to the bank for processing Draft: Items are drafted for final approval by another employee Cancel: Items will be cancelled and not sent 8. Click OK to the box that appears that states Are you sure you want to approve this transaction? Collections Screen Functionality A Check mark will be placed automatically in the Notify box if Send E Mail Notifications was checked when the recipient was created. The total Amount will pre fill if the Total Amount field was filled in when the Payroll Template was created. This amount can be changed if needed. The Addenda Information will pre fill the Addenda/Memo information that was input when the Payroll Template was created. This information can be changed if needed. The total Amount of the Payments is available for your reference in the footer of this section This section has a scroll bar that will scroll left and right. When the scrolled all the way to the right the Account Number, Type and Routing Number are visible. Page 69 of 100

70 Simply uncheck the Notify box if you don t want the recipient to be notified when the payment has been authorized for payment. These items will pre fill from the template created but can be changed. Page 70 of 100

71 Tax Payments In order to process tax payments in ESB Online Business Banking you must first sign up for this service with the Federal and/or State Government(s). Make a Federal Tax Payment 1. Click the Tax Payment link to access the Tax Payment screen. 2. Double click on the Form you will be paying from the list. The Form template screen will appear. 3. Complete each applicable field in the form. Fields marked with a * (asterisk) are required fields and must be completed. Click the Continue button. 4. Click OK to the box that appears that states Are you sure you want to submit this transaction? 5. The Submit Transaction page will appear that outlines the details of the Payroll you are processing. Click one of the options for processing: Approve: Items will be sent to the bank for processing Draft: Items are drafted for final approval by another employee Cancel: Items will be cancelled and not sent 6. Click OK to the box that appears that states Are you sure you want to approve this transaction? Double Click on a Form to access the form template. Page 71 of 100

72 Make a MA State Tax Payment 1. Click the Tax Payment link to access the Tax Payment screen. 2. Double click on the Form you will be paying from the list. The Form template screen will appear. 3. Complete each applicable field in the form. Fields marked with a * (asterisk) are required fields and must be completed. Click the Continue button. 4. Click OK to the box that appears that states Are you sure you want to submit this transaction? 5. The Submit Transaction page will appear that outlines the details of the Payroll you are processing. Click one of the options for processing: Approve: Items will be sent to the bank for processing Draft: Items are drafted for final approval by another employee Cancel: Items will be cancelled and not sent 6. Click OK to the box that appears that states Are you sure you want to approve this transaction? Double Click on a Form to access the form template. Page 72 of 100

73 Secure Messages The ESB Online Business Banking system has a secure messaging feature that will allow you to safely communicate with us via . Because your is sent via secure messaging you can be assured that sensitive information will not be captured by outside sources. You can also attach documents to a secure message for reference or review and not worry that the information in the document can be accessed. Send a Secure Message with an Attachment 1. Click the Messages link to access your secure mail box. Select create a new message from the drop down and click the Submit button. 2. A Secure Message box will appear. Choose a To subject from the drop down. Customer Service: Contact customer service for administrator password lockouts, system issues and/or errors, account questions etc. ACH and Wire Transfer Assistance: Contact ACH and Wire Transfer assistance for issues with Single Receipts or Payments, Payroll, Payments, Collections, Wire Transfers and Tax Payments. Line Of Credit Request: Contact Line of Request assistance for issues and/or questions regarding your line of credit or processing your line of credit request. Other: Contact the Other option for all other inquiries. 3. Type the Subject of your Secure Message in the Subject field (* Mandatory Field). 4. To add an attachment to a secure message simple click the Browse button next to the attachment field, choose the file you would like to attach in the choose file box and click the Open button. The file will appear in the attachment field. 5. Type the details of your issue in the Message Content area. 6. Click the Send button. Click the Browse button to select a file for an attachment Page 73 of 100

74 Secure Message Replies Secure Mailbox You will see your secure message replies in the following areas: In your Secure Mailbox which is accessed by clicking the Messages link. Page 74 of 100

75 On the Account Overview Page which is accessed by clicking the Overview link. New Messages will appear here. Click the link to access your secure mailbox. Page 75 of 100

76 Other Secure Message Features The following items are available for managing your secure messages. Create a New Message: Click the New button to access and submit the Secure Message form. Read the Selected Message: Highlight the message you would like to read, select the Read Message button to access your secure message. Reply to the Selected Message: Highlight the message you would like to respond to, and click the Reply button to reply to the secure message. Delete the Selected Message: To delete a message from your secure mailbox highlight the message you would like to remove and click the 6. The message will be permanently removed from your secure mailbox. Set Message to Never Expire: Some messages are so important you want the option to reference them without worrying when they will expire. NOTE: The default expiration for a secure message is six (6) months. To set a message to never expire highlight the message you would like to not expire and click the Set Message to Never Expire button. Print a Message: To print a secure message highlight the message you would like to print and click the printer icon button. The message will print. Page 76 of 100

77 Filter Options for you Secure Mailbox The following options are available for filtering or grouping your secure messages. None: No filter options will be applied to your secure messages Sender: Secure messages will be sorted alphabetically by Sender Subject: Secure messages will be sorted alphabetically by Subject Received: Secure messages will be sorted by the date they were received When the option is chosen from the Group by menu it will automatically sort the secure messages. Page 77 of 100

78 Address and Contact Information Changes You can easily change addresses, address and phone numbers for a single or all accounts using the ESB Online Business Banking Change of Address feature. Note: Please allow two business days for changes to be completed. Change an address and/or contact information for one or all accounts 1. Click the Address Change link to access the Change of Address request page. 2. Make the appropriate address, and/or telephone changes in the fields provided. 3. In the Choose Accounts box: If making the change for all accounts: Click the Select All button to select all the accounts. If making the change for single accounts: Place a check mark in the boxes next to the accounts you would like the changes applied to. 4. Click the Continue button. Click OK to the box that states Are you sure you want to submit this transaction? 5. The Submit Transaction page will appear that outlines the details of the Address Change you are processing. Click one of the options for processing: Approve: Items will be sent to the bank for processing Draft: Items are drafted for final approval by another employee Cancel: Items will be cancelled and not sent 6. Click OK to the box that appears that states Are you sure you want to approve this transaction? Page 78 of 100

79 Stop Payments Submitting a stop payment request online represents authorization to Easthampton Savings Bank to place a stop payment on the selected account and item. An online request to stop payment on a check or series of checks does not guarantee that the check will be stopped, as the item may have already been processed and posted to your account. You will be notified if there is a problem in placing the stop payment you have requested. Stop payments cannot be placed on Electronic (ACH) transactions using the Online Business Banking system. For a stop payment request on an ACH transaction contact ESB support at (413) during normal business hours. When you approve the stop payment the fee will be automatically deducted from your account. Please review our fee schedule at for the stop payment fee amount. Request a Stop Payment NOTE: You do not need to sign a form for check stop payments placed through ESB Online Business Banking. By approving the transaction you are authorizing the stop payment electronically. 1. Click the Stop Payment link to access the Stop Payment Request screen. 2. Choose the Account from the drop down from which the stop payment should be placed. 3. Choose the For a Single Check radio button for a stop payment on one check. Choose the For Multiple Checks radio button for a stop payment on a series of checks. 4. The following fields are required indicated by the * (asterisk) and must be completed. Number Insert the check number of the stop payment Amount Insert the amount of check written Date Written Choose the date the check was written If the Payee is know please complete this field. 5. Click the Continue button. Click OK to the box that states Are you sure you want to submit this transaction? 6. The Submit Transaction page will appear that outlines the details of the Payroll you are processing. Click one of the options for processing: Approve: Items will be sent to the bank for processing Draft: Items are drafted for final approval by another employee Cancel: Items will be cancelled and not sent 7. Click OK to the box that appears that states Are you sure you want to approve this transaction? Page 79 of 100

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81 Line Of Credit Request Form ESB Online Business Banking makes it easier than ever to request an advance on your businesses Line Of Credit using the Line of Credit Request form. Line of credit requests can only be performed by the authorized signers on the line of credit account. Note: Requests received prior to 3:00 PM will be processed on the same business day. Requests received after 3:00 PM will be processed on the next business day. Initiate a Line Of Credit Request 1. Click the Line of Credit Request link to access the form. 2. Highlight the LOC Transfer Request and click the View button. 3. Complete the following fields in the form, Line of Credit Account number, Amount and ESB checking account number where the funds will be deposited. Click the Submit button. Highlight the LOC Transfer Request and click the View button. Page 81 of 100

82 Forms and Guides Use the forms and guides link to access Online Business Banking forms. The following items will be available for your reference. Add/Delete Accounts Form: Complete this form to add or delete accounts from your online business banking account. Add/Change Service and Authorization Form: Complete this form to add or change services for your online business banking account. This form is also used to add or change authorizations for your company administrators. Change Company Administrator Form: Complete this form to change your company s administrator. Business ATM/Debit Card Form: Complete this form to order a new business ATM/Debit card. Change ACH Transaction Limits (Schedule E): Complete this form to change the ACH limits for your Company. Change Wire Transfer Limits (Schedule E): Complete this form to change the Wire Transfer limits for your Company. Note: Online Business Banking Agreements can be found on the ESB Online Business Banking Login page for your reference. Page 82 of 100

83 Account Preferences Use the Account link under the Preferences heading to make the following customized changes to your accounts: Enter nicknames for your accounts that you can easily identify. These nicknames will be used throughout the online banking system only. Number your accounts in the order you would like them displayed on the overview page. Choose how much history you want to view by days or number of transactions. Create Account Nicknames 1. Click the Account link to access the Account Preferences page. 2. Type the nickname for your accounts in the Display Name field next to each account. 3. Click Submit Changes to save the nicknames. Order Accounts 1. Click the Account link to access the Account Preferences page. 2. Insert a number next to each account that corresponds to the order you would like to view them in on the Overview page. Note: They will be viewed by product. For example if you have two checking accounts and two savings accounts and you have it ordered 1 for checking 2 for savings 3 for savings and 4 for checking the first checking will appear before the fourth in the checking account section. The savings accounts will appear in order 2 and 3 in the savings account section. 3. Click Submit Changes to save the order. Transaction History Preferences 1. Click the Account link to access the Account Preferences page. 2. Choose Items or Days from the Type drop down menu. 3. Type in the corresponding number of items or days you would like to view in the history screen. Example Days: Type 30 to see 30 days of history Example Items: Type 50 to see the last 50 transactions posted to your account 4. Click Submit Changes to save the transaction history preferences. Page 83 of 100

84 Page 84 of 100

85 Alerts Use the alerts and reminders to notify you of important account information and personal reminders based on your selected preferences. You can create account alerts to automatically notify you of important changes to your account (i.e. your balance goes below a specified level, etc.). You can create date alerts to automatically notify you of important events (i.e. birthdays, anniversaries, wake up calls, etc.). You can create a history alert for any account in your ESBriefcase profile including Check Number, Credit Transaction, Debit Transaction and a Specific Description (ex. a debit transaction from a specific vendor such as Wal Mart etc.). You can create an Insufficient Funds alert for any account in your ESBriefcase profile. In the event that your account goes meets the insufficient funds criteria you sent, the alert will be sent. You can create specific Transaction alerts for any account in your ESBriefcase profile using ACH Collections and Payments, Bill Payment, Change of Address, Funds Transfer, Stop Payment and Wire Transfer transaction types and Authorized, Cancelled, Drafted, Processed Successfully and Processing Failed status options. Create an Alert 1. Click the Alert link to access the Alerts page. 2. Choose the Add Alert button and choose the alert type you would like to create from the drop down menu and click the Submit button. 3. Input the alert criteria by completing the alert creation fields provided. Fields marked with an asterisk (*) are required for the alert. 4. Click the OK button to enable this alert. Page 85 of 100

86 Account Alert Criteria Date Alert Criteria History Alert Criteria Insufficient Funds Alert Criteria Transaction Alert Criteria Alert Criteria Fields Page 86 of 100

87 Managing Account and Date Alerts The following options are available for managing account and date alerts: Edit the Selected Alert Highlight the alert you would like to edit and click the edit alert button. Make the appropriate changes to the alert criteria fields and click the ok button. Remove the Selected Account/Date Alert Highlight the alert you would like to remove and click the delete alert button. When prompted click OK to confirm you would like to delete the alert. Edit Alert Button Delete Alert Button Page 87 of 100

88 User Preferences The User Preferences section is where you will update your user profile. Please update this online profile, as necessary, to ensure that we have accurate, up to date information. This information is important to us in order to provide you the highest level of customer service. Update Your User Profile 1. Click the User link and choose the Profile tab. 2. Fill and/or make the appropriate changes within the Profile tab and click the Submit button to accept the changes. Page 88 of 100

89 Manage Users The manage users function can be accessed by company administrators only and is used to create or delete a user for the ESB Online Business Banking system. Note: A new user will be available to access the system within 2 business days of the new user request. Create a New User 1. Click the Manage Users link to access the manage users screen. 2. Click the Add User button. 3. On the Add User screen input the new users Information and login information in the applicable fields and Login Information fields. 4. Click the OK button to accept the new user. The new user will be submitted to ESB for processing. You will be notified via secure mail when the user has been approved for access to the system. Page 89 of 100

90 Delete a User 1. Click the Manage Users link to access the Manage Users screen. 2. Highlight the user you would like to remove and click the delete user button. 3. Click OK to the box that states Are you Sure you want to delete the selected user? Page 90 of 100

91 User Rights The User Rights feature in ESB Online Business Banking is where the company administrator entitles and assigns accounts and transaction limits to employees. They can also enable or disable system features on this page such as change of address and stop payments. A Company Administrator can make changes to user rights at any time and should access this screen when a new user is set up to assign their accounts and entitlements. If a user is not entitled to an account the account will not be seen by the user when they login to ESB Online Business Banking. Assign User Account Entitlements 1. Click the User Rights link to access the User Rights screen. 2. Choose the User you would like to assign Account Entitlements to and choose the Account tab. 3. Each Account number will be displayed with a check box for Deposit, View and/or Withdrawal. Deposit: A User will be entitled to perform a Deposit to the selected account. View: A User will be entitled to view the selected accounts history only. No transactions can be performed. Withdrawal: A User will be entitled to perform a withdrawal from the selected account. 4. Click the Submit button to accept the users account entitlements. Note: For a user to be able to Draft a transaction, but not Approve, they must be given the right to Withdraw from the account(s). If this is not checked off, they will not be able to view any accounts to draft a payment from. The limitation to insure the user is not initiating a transaction without dual approval will fall under the Draft, Approve, or Cancel rights in the transaction portion of this page. Page 91 of 100

92 Assign User Transaction Entitlements Transaction types will vary depending on transaction options chosen at enrollment. 1. Click the User Rights link to access the User Rights Page. 2. Choose the user you would like to assign transactions to and choose the Transaction tab. 3. Each Transaction Type is displayed with a check box for Draft, Approve and Cancel. Draft: Entitles a User to submit a transaction for approval by another user. Approve: Entitles a User to review and submit a transaction to ESB for processing. Cancel: Entitles a User to Cancel a Drafted transaction 4. For each transaction type choose an option from the View Online Activity drop down. None: When selected a User is not able to view any Online Activity. User: Entitles a User to only view their Online Activity. All: Entitles a User to view all Users Online Activity including their own. 5. Click the Submit button to accept the Users Transaction Entitlements. Page 92 of 100

93 To Assign User Transaction Limits Transaction types will default to the limits the company chose during the enrollment process. It is suggested that you use these default limits. However there may be instances where a user s transaction limits need to be customized. 1. Click the User Rights link to access the User Rights Page 2. Choose the User you would like to assign transaction limits for and choose the Limits tab 3. Complete each applicable field for the transaction types shown. You will be given the following transaction limit options for each Transaction Type (scroll right to see all fields): Per Transaction Limit: Maximum amount assigned for any transaction performed for the transaction type. Per Day Limit: Maximum amount assigned for the transaction type that can be performed during a business day. Per Month Limit: Maximum amount assigned for the transaction type that can be performed in one month. Per Account Per Day Limit: Maximum amount assigned for the transaction type that can be performed for a specific account in one business day. Per Day Count: Maximum number of transactions that can be initiated for the transaction type in one business day. Per Month Count: Maximum number of transaction that can be initiated for the transaction type in one month. Per Account Per Day: Maximum number assigned for the transaction type that can be performed for a specific account in one business day. 4. Click the Submit button to accept the Users Transaction limits. Page 93 of 100

94 Assigning Other Miscellaneous User Entitlements Miscellaneous user entitlements include: The User has rights to manage rights for all other users: Checking this will allow the user to access and manage the user rights for all other users in the company essentially making them a company administrator. CAUTION: Use this right with caution. It is suggested that this entitlement only be given to a limited number of people with authority. The User has rights to access all templates: Checking this will allow the user to create, access, edit and assign all payment templates. The User has rights to manage recipients: Checking this will allow the user to create, access, edit and assign all recipients. To Assign a Miscellaneous Entitlement 1. Click the User Rights link to access the User Rights Page. 2. Choose the user you would like to assign a miscellaneous right to and choose the other tab. 3. Place a check mark in the box next to each miscellaneous entitlement that you would like the user to have. 4. Click the Submit button to accept the Users Miscellaneous entitlement(s). Page 94 of 100

95 Mobile Another useful component of ESB Online Business Banking is the integration of a mobile site which can be accessed from your mobile device and used to view and approve transactions and account history. The two components to the mobile option are the mobile enrollment where you enable the ability to view and perform transactions from your mobile device and the mobile authorization where you input a mobile authorization code, and phone preferences to be used for approving drafted transactions from your mobile device. Enrolling for Mobile Banking 1. Click the Mobile link to access the mobile preferences page. 2. Choose the Mobile Enrollment tab. 3. Check the box that states Yes, enable my User ID and Password for use on my mobile device. 4. Click the Submit Changes button to accept the mobile enrollment request. Page 95 of 100

96 Access the Mobile Banking Site 1. Choose the Mobile link to access the Mobile Preferences screen. 2. Choose the Mobile Enrollment tab. 3. In the Mobile Access section input an e mail address that you can access from your mobile device and click the Send button. 4. The mobile site will be sent to the address you specified. Note: If you do not have an address simply print this page or copy the address to be input manually on your mobile device. Page 96 of 100

97 FROM YOUR MOBILE DEVICE 1. Access the in box for the address where you requested the mobile site be sent. The s subject is Requested Mobile Address. Open the and click the link to browse to the ESB Online Business Banking mobile site sign in page. OR Input the mobile site manually 2. Enter the same Login ID and Password as the ESB Online Business Banking site and click the Login button. Mobile Login Login ID Password Mobile Login Page Page 97 of 100

98 Enable Mobile Transaction Authorization 1. Choose the mobile link to access the Mobile Preferences screen. 2. Choose the Mobile Authorizations tab. 3. Input your Mobile Authorization code in the corresponding field. Note: Your code should be numeric and exactly 4 digits in length. The code will be masked when entered. 4. Enter the address and phone number (up to three each) where you would like to receive account authorizations. Note: The User who Drafts the transaction will choose the delivery method when the authorization request is sent. They will have the option to choose more than one delivery option. 5. Under the Mobile Authorization Enrollment section choose the transaction types you would like to authorize transactions for by placing a check mark in the box next to the transaction type. 6. Click the Submit Changes button to accept the mobile authorization enrollment. Page 98 of 100

99 Mobile Site Overview The following transactions can be performed with ESB Mobile Online Business Banking: Fund Transfers Single ACH Payments to an existing recipient Single ACH Receipts to an existing recipient Wire Transfer to an existing recipient Transaction functionality in the mobile banking site is the same or similar as in the ESB Online Business Banking site. Please review the specific transaction section for procedures on how to complete a transaction. Other mobile site features include: Account History Accounts Overview Online Activity Review Send and Receive Secure Messages and Alerts ESB Mobile Online Business Banking Overview Page Mobile Banking Security Overview Enrollment can only be done via ESB Online Business Banking using your User ID and Password. Data is encrypted within the ESB Online Business Banking mobile site. No Data information is stored (cached) on the mobile device. Accounts numbers are masked. Only a limited set of transactions that are not considered highrisk are available. o Existing Wire Transfer Templates only. o Existing Recipient payments and templates only. o Single Commercial ACH Payments and Receipts. o Wire Transfer between existing accounts. Page 99 of 100

100 Authorize a Transaction in Mobile Banking 1. Login to the mobile site from your mobile device. 2. Click the Review Online Activity link. 3. Choose Drafted from the drop down menu and click the Submit button to display any drafted transactions available for authorization. 4. Click the link for the transaction you would like to authorize. The transaction details will appear. 5. Input your Mobile Authorization Code in the corresponding field and click the Authorize Button to accept the mobile authorization for the transaction displayed. Page 100 of 100

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