Business Online Banking & Treasury Management Conversion Information to TBK Bank, SSB Welcome to Business Online Banking and Treasury Management at TBK Bank, SSB! Attached you will find important information that will allow you to make a smooth conversion to TBK Bank. Business Online Banking & Treasury Management Services Need to Know What to Expect (online availability) Import Coding for ACH Origination Remote Deposit Capture (RDC) Important Information o To Do List Prior to Friday, December 7, 2018 o Mobile Business Banking Business Online Banking on Monday, December 10, 2018 and After o Important Note regarding Business Online Banking! o Password Specifications o Additional Password Restrictions o Additional Business Online Banking Announcements Code Line Specifications for Checks Printed in E-13B Common Machine Language (spec sheet used to order checks through an independent vendor) If you have any questions or need assistance, please contact Treasury Management at: 844-824-2265 cotm@tbkteam.com continued on reverse side TBK Bank, SSB Member FDIC Page 1
Service Business Online Banking Account Information ACH Origination Wire Transfer Origination Remote Deposit Capture (RDC) Mobile Business Banking Incoming Domestic Wire Transfers Incoming International Wire Transfers (In US Currency) Business Online Banking & Treasury Management Services Need to Know Need to Know Every attempt has been made to ensure current business online users have been given access to TBK's Business Online Banking with the same account(s) and functionality. If a user is unable to access accounts, please call us at 844-824-2265. The new bank routing/transit number (r/t) is 111909579 An account spec sheet (Code Line Specifications for Checks Printed in E-13B Common Machine Language) is attached for ordering checks through an independent vendor. All ACH files must be submitted via Business Online Banking. If files are imported from internal software, the software must be updated with the new bank information before an upload can be completed. The new bank criteria is listed under Import Coding for ACH Originations section. TBK Bank encourages its customers to use dual control for ACH origination. This means that one person can create the ACH batch and another person within the Company will approve the batch. Great internal fraud protection! Contact Treasury Management with interest in dual control. Business Online Banking does not use templates. Once an ACH batch is created, it can be saved for later use and is retained for six months in Business Online Banking. Companies that send one wire transfer per week should consider wire transfer origination through Business Online Banking. Create the wire internally, verify for accuracy, and send at your convenience. Save money in wire transfer fees. Use dual control within the Company to protect against internal fraud. Remote Deposit Capture is accessed via Business Online Banking. Existing equipment is supported by TBK Bank. TBK Treasury Management will contact you to schedule an appointment for installation of the appropriate drivers. The Company will receive a RDC Questionnaire which will need to be completed and returned to TBK Bank for continued access to RDC. Users must initially login to Business Online Banking on a desktop or laptop computer prior to setting up Mobile Business Banking. Download the TBK Bank Mobile Business app from the app store. Mobile Business Banking is accessible by iphone or Android smartphone. It is not available on tablets. If you were not previously setup for Mobile Business Online, contact Treasury Management to receive access. Incoming Domestic Wire Transfers should be sent to: Routing Transit Number (ABA#): 111909579 Beneficiary Bank Name: TBK Bank, SSB Beneficiary Bank Address: 100 W Pearl St. Beneficiary Bank City, State: Lamar, CO 81052 Beneficiary Account Number: (Your account number at TBK Bank, SSB) Beneficiary Account Name: Your name or the name of your account as it appears on your statement. Incoming International Wire Transfer should be sent to: SWIFT Code WFBIUS6WFFX Beneficiary Bank Name: Wells Fargo Bank Beneficiary Bank City, State: San Francisco, CA Beneficiary s Account Number: 6400114645 For Final Credit (FFC) to: Your name or the name of your account as it appears on your statement and your account number at TBK Bank, SSB. continued on reverse side TBK Bank, SSB Member FDIC Page 2
What to Expect! Online Availability: The services within Business Online Banking will be available as shown below. Online Service Business Banking Mobile Business Banking Business Bill Pay Wire Transfer Origination ACH Origination Internal Transfers estatements First National Bank of Durango Online Banking becomes unavailable 4:00 pm MT on Friday, December 7, 2018. From 5:00 pm Friday until 9:00 pm MT Sunday, December 9, 2018 you will be able to view your accounts. No transactions can be initiated during this time period. 4:00 pm MT on Friday, December 7, 2018 Last day for processing bill payments is Wednesday, December 5, 2018. Payments that are dated after December 7, 2018 may not be processed. Last day for Wire Transfer origination Friday, December 7, 2018. Last day for ACH origination is Thursday, December 6, 2018 for settlement on Friday December 7, 2018. All ACH files originated must settle on or before December 7, 2018. ACH files with dates beyond December 7, 2018 will process on December 7, 2018. 4:00 pm MT on Thursday, December 6, 2018 A paper statement will be mailed on all accounts as of Friday, December 7, 2018. This will include all activity since your last statement. This statement will be available electronically at a later date. TBK Bank, SSB Business Online Banking becomes available 8:00 am MT on Monday, December 10, 2018. Tokens are required to originate Wire Transfers. New tokens will be provided the week of December 3, 2018, if appropriate. Tokens are required to access ACH. New tokens will be provided the week of December 3, 2018, if appropriate. Your first statement after Friday, December 7, 2018 will include activity from Friday, December 10, 2018, through your new statement cut-off date. continued on reverse side TBK Bank, SSB Member FDIC Page 3
Import Coding for ACH Originations If your company originates ACH for payroll please read this information carefully. All ACH files are originated via Business Online Banking. ACH transactions can be originated by: 1. Importing the information from the company s software in a NACHA or non-nacha format, 2. Creating the batch from scratch or 3. Using a Saved batch to originate a new batch. If importing from the company s software, the following information will need to be added to the software to establish an appropriate Batch Header. ACH Field TBK Bank Values Immediate Destination 091000080 Immediate Origin 111909579 Company Name Company Identification Company Entry Description (Company s Business Name) (Company s Tax ID Number) Type of file (payroll, payment, etc.) Originating DFI Identification 11190957 Immediate Destination Name Immediate Origin Name Reference Code TBK Bank, SSB TBK Bank, SSB N/A Remote Deposit Capture (RDC) If your company has a scanner and makes deposits remotely the following steps will need to be taken: TBK Bank s Treasury Management Department will call you on or before Friday, December 7, 2018 to review your specific equipment and requirements. o If it is determined that the current scanner is not compatible with TBK Bank s software a new scanner will be provided to you. An appointment will be set for the week of December 10th to install new drivers for your equipment. The caller may also request specific information regarding deposits made and information on each person responsible for making deposits. Every user must have a unique User ID and Password. Sharing of passwords is not permitted. continued on reverse side TBK Bank, SSB Member FDIC Page 4
IMPORTANT TO DO LIST! TO DO List Prior to Friday, December 7, 2018 Mobile Business Banking 1. Print out or save your estatements for future reference. Your estatements will not be immediately available within your TBK Bank Online Banking. 2. Within Bill Pay, print out your vendor (payee) list, history, and any recurring payments. Beginning Monday, December 10, 2018 you can re-establish your bill payments. 3. Print out your recurring internal transfers. On or after Monday, December 10, 2018 you can re-establish internal transfers. 4. Quicken and QuickBooks users will find instructions on changing your banking information at www.tbkbank.com. Transactions not downloaded by Noon MT on Friday, December 7, 2018 will not be available for download and will have to be manually entered. 1. Mobile Business Banking users will need to reestablish on or after Monday, December 10, 2018. Use your TBK Bank login credentials to login to your desktop computer. Your initial login must be from a desktop or laptop computer. Delete the First National Bank of Durango app from your phone. From the app store, download the TBK Bank Mobile Business app. Log in using the same Business Online Banking credentials. 2. Mobile Business Online Banking is available using an iphone or Android phone. continued on reverse side TBK Bank, SSB Member FDIC Page 5
On and After December 10, 2018 visit www.tbkbank.com to login to Business Online Banking I M P ORT AN T N OTE! Your login user id will be your FIRST INITIAL LAST NAME, all capital letters, no spaces. The initial password to be used when logging in for the first time will be DURXXXX(last four digits of your social security number), all capital letters, no spaces. Upon the first login, the user will be prompted to answer the MFA questions and change the password. Password Specifications are as Follows: Minimum Length (characters) 8 Maximum Length (characters) 17 Numeric Characters Required 1 Upper Case Alpha Required 1 Lower Case Alpha Required 1 Special Characters Required 0 Additional Password Restrictions: Passwords cannot contain any variation of the word Fiserv Passwords cannot contain any variation of the word Password Passwords cannot contain any variation of the user s username or User ID Passwords MUST be changed every 90 days. Additional Business Online Banking Announcements: Accounts tied to Business Online Banking Security Questions and Image (MFA) Account Analysis Service Charging Alerts estatements If any of your accounts do not show up within Business Online Banking, please contact Treasury Management for assistance. No personal accounts are accessible in Business Online Banking. Users will be required to re-establish the security answers to the desired security questions upon the initial login. Security Images are not used. Pricing for Treasury Management will remain the same as your current pricing. All transaction or account alerts must be reestablished within Business Online Banking. If you currently have estatements, you will not need to reenroll. An email will be sent when your TBK Bank statement is ready to view in Business Online Banking. Review your profile within Business Online Banking to make sure we have the correct email address. TBK Bank, SSB Member FDIC Page 6