Company and User Set Up Company Policy NOTE: The Company Policy controls the companylevel feature entitlements and dollar limits. 1. Select Commercial and then Company Policy. 2. Select a transaction type that you d like to set parameters around by clicking on the name of the transaction type (e.g., ACH Collection). 1
Company Policy Allowed Actions NOTE: One or multiple levels may be set up to establish general or granular user limitations. 3. Select the Draft Amount box. Specify the dollar amount that will be the limit for the allowed action being set up. NOTE: A designation of Any means that there is no dollar limit restriction for the draft amount. 4. Select the Approvals box. Between one and five required approvals can be set. Select or + to change. NOTE: The number of approvals designates how many users must approve the transaction before it is fully authorized for ANB Bank to process. 5. Select the Accounts box. Choose the account(s) that can be accessed for this transaction type. 2
Company Policy 6. Select the Subsidiaries box. Select the subsidiary or subsidiaries allowed for this transaction type. 7. Optional: Select the Draft Hours box. Select the days and hours allowed for this transaction type. NOTE: The days of the week down the left side and the hours of the day across the top can be clicked to select an entire row or column. The individual boxes can also be selected or deselected. 8. Optional: Select the Locations box. Choose the country or countries within North America from where this transaction type may be drafted. Select OK when done. NOTE: If no countries are designated (Any), there will be no restriction placed on draft source location. Once a country or countries have been selected, IP addresses sourced from all other countries worldwide will be denied. 9. Optional: Select the IP Addresses box. Enter the IP address and/or IP address range(s) to be allowed from where this transaction type may be drafted. All other source IP addresses will be denied. Select OK when done. NOTE: If no IP address or IP address range is designated (Any), there will be no restriction placed on IP address origination. 3
Company Policy 10. Optional: Select the Policy Tester to validate the Company Policy functionality to assure the setup is as needed. NOTE: If the policy test is unsuccessful, the reason for the failure will be designated on the screen. 12. Repeat steps 2-10 for each transaction type. 13. Select Save. NOTE: It is not necessary to select Save after setting up each transaction type. Select Save once all necessary changes have been made to save time. 4
Company Policy Approval Limits 11. Select the Approval Limits tab to view the dollar and count limits assigned by ANB Bank. NOTE: ANB Bank sets the approval dollar limits for the Company Policy. (This screen is for viewing purposes only and cannot be edited. Lower limits may be applied to the User Roles, see User Roles instructions.) User Rights 14. Select the User Rights tab to view the nontransactional features assigned by ANB Bank. 5
Company Policy NOTE: ANB Bank sets the User Rights based on your contract. (This screen is for viewing purposes only and cannot be edited.) Accounts 15. Select the Accounts tab to view the account rights assigned by ANB Bank. NOTE: ANB Bank sets the account access for the Company Policy. (These settings are for viewing purposes only and cannot be edited.) NOTE: The User Roles tab is a shortcut for accessing the User Roles page. (Reference the User Roles document for instructions on this feature.) 6
User Roles User Roles NOTE: Each User Role controls feature entitlements and dollar limits for one or more company users with like roles and needs to be assigned to each user. 1. Select Commercial and then select User Roles. Move the user rolls screen shot down inset new screen shot here NOTE: Three actions can be performed on an existing user role. a. Select the pencil icon to edit the user role. b. Select the double paper icon to copy the user role. c. Select the trash bin to delete the user role. 2. Select Create Role to create a new user role. 3. Name the role and provide a description select Continue. 7
User Roles 4. Select a transaction type by clicking on the corresponding red link. Allowed Actions NOTE: One or multiple levels may be set up to establish general or granular user limitations. 5. Select the Operations box. Specify the allowed operation(s) for the selected transaction type. a. Draft allows a user to initiate a transaction. b. Approve allows a user to authorize a transaction. c. Cancel allows a user to cancel a drafted transaction. 8
User Roles 6. Select the Amount box. Specify the dollar amount for the allowed action. 7. Select the Accounts box. Choose the account(s) allowed for this transaction type. 8. Select the Subsidiaries box. Choose the subsidiaries allowed for this transaction type. 9. (Optional) Select the Draft Hours box. Choose the days and hours allowed for this transaction type. NOTE: Select the days of the week in grey and the hours of the day across the top to indicate days and hours for the transaction. Individual hour boxes can also be selected. 9
User Roles 10. (Optional) Select the Policy Tester to validate the User Role functionality to assure the setup is as needed. NOTE: If the policy test is unsuccessful, the reason for the failure will be designated on the screen. Rights 11. On the Rights tab, select the appropriate right for the user role s ability to view transactions in the Activity Center. 10
User Roles a. Can view transactions initiated by any online banking user within the company. b. Can only view the user s own transactions. c. Can view transactions initiated by users who are assigned to the same user role. d. Cannot view any transactions. Approval Limits 12. Select the Approval Limits tab to view and modify the dollar and count limits assigned by ANB Bank. 11
User Roles User Rights 13. Select the User Rights tab to view and modify the non-transactional features. Select features to enable or disable. 14. Repeat steps 3-12 for each transaction type. Accounts 15. Select the Accounts tab to view and modify the account entitlements by selecting or under View, Deposit or Withdraw. 16. Save the User Role by selecting the Save button. NOTE: Show unassigned accounts allows the user to view accounts without any view, deposit or withdraw access. 12
User Management Creating New Users User Management Creating New Users 1. Select Commercial and then select Set up Users. 2. Select the Add User button. 3. Complete all fields on the new user form (Login ID and Password requirements are listed on the right side of the screen.) NOTE: Password assigned is temporary. User must login and change password within 250 hours before the password expires (If the Login ID is already in use you will not be able to save the user and will have to choose a new Login ID.) 4. Assign a User Role to the user. NOTE: User will be unable to log in without an assigned User Role. (See User Role Guide on how to create user roles.) 5. Select the Save button. 13
User Management Creating New Users 6. One of three update actions may be made to an existing user: a. Select Deactivate User to disallow a user from logging in without completely deleting the user. b. Select the User Role drop down menu to update the User Role for a user. Select Update Role upon completion. c. Select the Delete button to permanently delete the online user. This action cannot be undone. Note: The user role update will go into effect upon the user s subsequent logon after the change has been made. 14
Account Labeling Account Labeling NOTE: Account Labeling allows you to group accounts for easy identification. 1. Under the Commercial tab, select Company Policy. 2. Select Accounts tab. 3. Check the box next to each account that you would like to label. Next, select Edit Labels to start labeling your account. 15
Account Labeling 4. Enter a label name. 5. Select the Create button. 6. Select Add to label the chosen accounts. 16
Account Labeling 7. Select Close. NOTE: The label will be indicated next to each account that was selected. 8. Select Save to save the changes to the Company Policy. 17
Recipient Management Building and Managing Recipients Adding a Recipient 1. Select Commercial and then Manage Recipients. 2. Select Add Recipient. 18
Building and Managing Recipients 3. Input the Recipient s information: a. Display Name This is how the name will display within Online Banking. b. ACH Name This is the name of the Beneficiary in an ACH file. c. Wire Name This is the name of the Beneficiary in an outgoing Wire. NOTE: If the Recipient is going to be receiving both ACH and Wires, be sure to complete both name fields. d. E-mail address Complete this if you want to have an email notification sent to the Recipient when an item is sent. e. Country Normally the US. However, if you are doing International Wires, the Recipient s address could be in another country. f. Address As required. 4. Once you have completed the entries select Next. 5. The Add Account screen will appear. There are three Payments Types Allowed: a. ACH Only Choose this if you intend to only originate ACH items (payments, Collection and Payroll) to the Recipient. b. ACH and Wires Choose this if you intend to originate both ACH and Wires to the Recipient. c. Wires Only Choose this if you intend to only originate Wires to the Recipient. 19
Building and Managing Recipients NOTE: The system defaults to ACH and Wires. If you are sending wires, you must designate Domestic or International. 6. Once you have selected the appropriate Payment Type for the Recipient, enter all the required banking information based on the payment type you selected. NOTE: This example shows an ACH only recipient. 7. If the recipient has more than one account you can add it here by selecting Add another account. 8. Once completed, select Save Recipient. 20
Payment Type Assistance Examples 9. The Recipient Management screen will appear. This is where you will see your Recipients. NOTE: The Recipients show how many accounts they have to transact to. Payment Type Assistance Examples ACH Only 1. ACH Only is very simple with just the Account Type, Account, and ACH Routing Number. 21
Payment Type Assistance Examples ACH and Wire Recipient with ACH and Wires (Domestic Only) NOTE: Check with your recipient for proper wiring instructions 22
Wires Only 2. In contrast, there are many different ways to send wires: a. Domestic Domestic Only b. International Payment Type Assistance Examples c. International with Intermediary Bank. Some International Wires use IBAN (International Bank Account number), some use Swift. NOTE: Intermediary may or may not be required. 23
Payment Type Assistance Examples International with Swift Code/BIC 3. Using an International Bank Swift requires an account number as well as the Swift Code. NOTE: Intermediary may or may not be required. 24
Editing a Recipient International with IBAN 4. IBAN designates the account number at the International bank. a. IBAN length is between 16 and 34 alphanumeric characters. b. The first two alphabetic characters identify the country code where the beneficiary s account is held. c. The next two digits are check digits. d. The final part of the IBAN is the domestic account number, which is made up of the beneficiary s account number, bank identification number and one or more check digits. Editing a Recipient 1. Select Commercial and then Manage Recipients. 25
Editing a Recipient 2. Find the Recipient you want to edit and select the pencil icon. 3. Make the necessary changes to the Recipient and select Save Recipient. 26
Change the Recipient s Account(s) Change the Recipient s Account(s) 1. To change the information on the Recipient s account(s), select the account number you need to change. 2. Make the necessary changes to the Account Type and select Save Recipient. Remove an Account 3. To remove an account, select the trash bin icon that says Remove this account. 27
Add an Account 4. A confirmation page will appear. Select Delete Account. Add an Account 5. To add an account, select Add another account. 6. Enter the Account Details and select Save Recipient. 28
Recipient Upload from Batch Recipient Upload from Batch 1. Select Commercial and then select Originate ACH or Wire. 2. Select Send ACH or Wire and then Payment From File. 3. Select the desired Payment Type. 29
Recipient Upload from Batch 4. Select the Import File box to browse for the file to be uploaded on the computer. 5. Select Save Recipients to automatically add the recipients into the master recipient list. NOTE: Select Upload File if the ACH or Wire file will need to be processed by ANB Bank. NOTE: A confirmation screen will appear when the file import and all necessary information has been successfully completed. NOTE: If there is a problem with the file import, an overlay message will appear on the screen with a notification. 30
Template Management and Processing Setting Up New Templates for ACH and Wires 1. Under the Commercial tab, select Originate ACH or Wire. Creating New Templates 2. Select New Template. NOTE: If you have existing templates, they will appear here. 3. Select a template: a. ACH Batch Allows multiple payments to be sent a one time. b. ACH Collection Allows multiple collection items to be sent at one time. c. ACH Payment Allows for a single ACH Payment. d. ACH Receipt Allows for a single ACH Collection. e. Domestic Wire Allows a single Domestic Wire. f. International Wire Allows a single International Wire. g. Payroll Allows the submission of a Payroll file with multiple payees. 4. A new Template screen appears. The process will cover each of the five sections: a. Info & Users b. Recipient & Amount c. Subsidiary d. Account e. Review & Submit 31
Setting Up New Templates for ACH and Wires Info & Users 5. Template Name Name the template as it will appear to you and/or your users. 6. Grant User Access If the company has other user roles, they can be granted access to the template. This will be necessary if they will be processing payments. To select a user, check the box next to their name, and select Next. Recipient and Amount 7. Recipient and Amount Choose your ACH Class Code. a. Individuals (PPD) you are paying people. b. Company (CCD) you are paying companies. c. Add a Company Entry Description (optional). 8. Select a recipient(s) by checking the box in next the recipient s name, use the search box to 32
Setting Up New Templates for ACH and Wires search for your recipient(s). NOTE: If you intend to pay these recipient(s) during template creation, you must select Pay. 9. Enter the amount and addendum. NOTE: If you are only creating the template and not sending payments at this time you can leave the amount at $0.00. a. Allows you to select different account if the recipient has more than one account. b. Allows you to create a copy of the same Recipient if you need to pay the same Payee two different ways (it will add them a second time to the recipient list). c. Allows you completely edit the Payee if their banking/other information has changed. 10. Select Next. Subsidiary 11. Choose a Subsidiary you would like to use and select Next. NOTE: If you do not have subsidiaries you may skip this screen and move to Accounts. 12. If you do not see the Subsidiary you need, select New Subsidiary. 33
Setting Up New Templates for ACH and Wires 13. Enter the Name and choose the Payment Types. 14. Select Create Subsidiary. Account 15. Designate which account you want to debit (for Payments) or credit (for Collections) into. 16. Select Next. 34
Setting Up New Templates for ACH and Wires Review & Submit 17. Review your input and select an Effective Date. NOTE: If you only wish to save the template for later use, do not select an effective date. NOTE: To set the template to recur, select Set Schedule. An initial effective date must be selected to create a recurring schedule. 18. If you have any changes, select the appropriate tab for the changes you need to make. 19. When your review is completed, select Save to save the template. 20. Once the template is saved, and if you wish to submit the payment, you may choose the following: a. Draft Puts the file into a drafted status waiting for another user to approver. b. Approve Approves the file for processing by the Bank. NOTE: This requires a token credential for approval. 35
Setting Up New Templates for ACH and Wires 21. If the Draft option was chosen, the Payment Drafted screen will appear. If you need to notify an approver select the Send Notifications button to send an email to someone else to approve. 36
Using an Existing Template Using an Existing Template 1. If you do not wish create a new template, but instead wish to use an existing template, select the available template you want to use by selecting the pencil icon, and follow the instructions on step 6 of Creating a New Template. NOTE: If you are using an existing template, you will not be able to edit the ACH Class Code. All other functionality will remain. 37
Approving a File or Batch Approving a File or Batch 1. Under the Transactions tab, select Activity Center. 2. A list of batch(es) will appear in the Activity Center. Select the transaction to expand/contract the transaction information. 3. Click on Actions to select what function you want to do: a. Approve b. Cancel c. Inquire d. Copy e. Print Details Note: Do not forget to select Approve after you have completed any other function you requested. 38
Approving a File or Batch 4. An Approve Transaction screen will appear. Select Confirm. 5. Enter the Secure Access Token number, and select Verify. 6. The following message will appear. Select Close. 39
ACH Split Payment for Payroll ACH Split Payment for Payroll Multiple Account (Normal) NOTE: This option allows the user to select multiple accounts for a recipient without the designation of primary or secondary, provided the recipient has 2 or more accounts. 1. Select Commercial and then select Originate ACH or Wire. 2. Select an existing Payroll template by clicking on the pencil icon or select Send ACH or Wire and click on Payroll. 3. On the Recipient & Amount page, select the recipient to be linked to the commercial template or payment by checking the box. 40
ACH Split Payment for Payroll 4. Select the Normal option above the listing of accounts. 5. Designate the account(s) to be included by selecting the check box(es). 6. Enter the dollar amount for each account. 7. Select Next through the rest of the screens to finish the Payment or Save the changes to the template. Multiple Account (Split) NOTE: Recipient must have two or more accounts to use this feature. 1. Select Commercial and then select Originate ACH or Wire. 2. Select an existing template by clicking on the pencil icon or select Send ACH or Wire and click on the corresponding transaction type. 41
ACH Split Payment for Payroll 3. Select the recipient to be linked to the template or payment by checking the box. 4. Select the Split option above the listing of accounts. 5. Designate the Primary account and Secondary account(s) by selecting the check boxes. Then select OK. 6. Click on the primary account number which appears as a link. 7. Enter the total amount of the ACH transaction. 8. Select the 2 accounts link. 9. Enter the dollar amount for the secondary account. NOTE: The Primary Account amount will automatically decrease accordingly. 10. Select Next through the rest of the screens to finish the payment or save the changes to the 42
ACH Split Payment for Payroll template. NOTE: A confirmation will display on the screen when the template has been saved successfully. NOTE: You will be requested to enter a Secure Access Token to complete the transaction authorization process if creating a payment. 43
Multi-Wires Multi-Wires 1. Select Commercial and then select Originate ACH or Wire. 2. Select Send ACH or Wire and then Domestic Wire or International Wire from the drop-down menu. NOTE: Process Date can be selected as the same date for all wires by clicking Use same for all (this is the default option). NOTE: The Notify option sends an automatic email to the recipient when ANB Bank processes the Wire transaction. 3. Select the Recipient/Account on each wire. 4. Select the Amount and Subsidiary on each wire. 5. Select which account it is coming from ( From Account ) on each wire. 6. Select the More Wires box to open additional domestic wires. 7. Enter the amount of domestic wires you would like to create. 8. Select Next. 44
Multi-Wires 9. Optional: Select Set schedule to setup the wires as recurring transactions. 10. Review the information on the screen for accuracy and then select Approve to authorize the wires or Draft to only draft them. NOTE: The ability to select Approve is dependent upon your entitlements within Online Banking. If you can only draft, an Administrator must approve the wire before it can be processed by ANB Bank. 11. Enter the Secure Access Token to complete the transaction authorization process and select Verify. NOTE: This step only applies when the transaction is being submitted. The token is either the Symantec app or a physical token mailed to you by ANB Bank. 45
Multi-Wires NOTE: A confirmation will appear on the screen upon the successful completion of the federal or tax form. 46
ACH and Wire File Import ACH File Import Supported File Types Single batch NACHA file containing an SEC Class Code of either PPD (Prearranged Payment and Deposit to or from a consumer account) or CCD (Cash Concentration and Disbursement to or from a business account). 5-Column CSV File 1. Under the Commercial tab, select Originate ACH or Wire. 2. Select Send ACH or Wire and then Payment From File. 3. Select the corresponding Payment Type from the drop-down menu. 47
ACH File Import 4. Click in the Import File box to select a file to upload. Browse your computer for the file you d like to upload. 5. Select Upload File to upload the selected file into Online Banking for processing. NOTE: If you would like to save recipients into Online Banking, select Save Recipients to upload the recipients included in the file into Online Banking for use with future payments and/or templates initiated from within Online Banking. NOTE: If there is a problem with the file being imported, an overlay message will appear on the screen containing applicable information. 48
ACH File Import 6. If the file being uploaded is a 5-column CSV, a screen will appear requesting additional information for you to specify. a. ACH Class Code (Does not apply to Payroll which is automatically PPD) b. Pay From/Pay To Account (Offset account) c. Company/Subsidiary d. Effective Date e. Company Entry Description A description of the entries contained within the batch (optional) 7. Select Approve. NOTE: Authentication is required as part of the authorization process. This can be done via the app or token. 49
Wire Upload NOTE: A confirmation screen will appear when the file import and all necessary information have been successfully completed. Wire Upload Note: Wire Upload allows you to upload a formatted CSV file to the Online Banking system instead of inputting the wire information manually. 1. Select Commercial and then select Originate ACH or Wire. 2. Select Send ACH or Wire and then Payment From File. 50
Wire Upload 3. Choose the wire transaction type from the Payment Type drop-down menu. 4. Select the Import File box to browse for the file to be uploaded on the computer. 5. Select Upload File. 6. Select the Process Date for the wire(s). 7. Select the Subsidiary and From Account for each wire. 8. Select the Review & Submit option in the workflow ribbon or select Next at the bottom of the page. NOTE: The Recipient and Amount will already be filled in for each wire in accordance to the data in the CSV file that was imported. 51
Wire Upload 9. Review all information and select Draft or Approve. 52
Tax Payments Tax Payments 1. Select Commercial and then Pay Taxes. Federal Tax Payments 1. Select Federal Tax (IRS) in the Tax Authority drop down menu. 2. Select the desired tax form listed on the screen. 53
Tax Payments 3. Complete all required fields in the form (Designated with a red asterisk). NOTE: The Payment From will display in the dropdown any Subsidiaries you may have built. 4. Select Approve. NOTE: On the Federal Tax (IRS) Form 941, select the Split Payments option to separate between Social Security, Medicare and Withholding amounts. This option will only display on forms where applicable. State Tax Payments 1. Select the corresponding state from the Tax Authority drop down menu. 2. Select the desired tax form. 54
Tax Payments 3. Complete all required fields in the form. (Designated with an asterisk.) 4. Select Approve. 5. Enter the Secure Access Token to complete the transaction authorization process and select Verify. 55
Tax Payments NOTE: A confirmation will appear on the screen upon the successful completion of the federal or tax form. 56
Information Reporting Reports Setup Process 1. Select Reports from within the navigation menu on the right side of the screen. 2. Select the desired report from the list. 3. Rename the report if you d like to (This is an optional step.) 4. Select File Formats to view the output formats available for the specific report being generated. There is no action required for this step. 5. Select the account(s) to be included in the report. Accounts will turn copper when selected. NOTE: This step only corresponds with reports associated with account information. 57
Reports Setup Process 6. Select the date range for the report. a. Dynamic Date Range (A rolling date range that shifts in accordance to the current day) b. Specific Date Range NOTE: The data for this report can be pulled from October 26, 2017 forward within Online Banking for the respective account(s). 7. Select the desired schedule for how often the report should automatically run. NOTE: If you wish to edit the report later, you must select a schedule other than None. 8. Select Save and Run to run the report immediately or select Save to schedule the report without immediately running the report. 58
Reports Setup Process 9. The report will display as In Progress while it is being generated. 10. The format icon(s) will appear next to the scheduled report once it has been completed. Select the format icon to open the report. 11. Select the pencil icon to edit the existing report. 12. Select the arrows icon to edit or delete the existing report. 59
Multi-Transfers Multi-Transfers 1. Select Transactions and then select Funds Transfer. 2. Select the Multi-Account Transfers tab. 3. Select Transfer Funds. 4. Select the From Account and To Account for each transfer. 5. Enter the Amount for each transfer. 6. Select the More Transfers box to open additional funds transfers. (A maximum of 35 transfers can be created.) 7. Select Schedule & Submit in the workflow ribbon or Next at the bottom of the page. 60
Multi-Transfers 8. Designate the Transfer Date for all transactions. NOTE: Transfer Date can be selected as the same date for all transactions by selecting the check box next to Use same date for all. 9. Enter an optional memo for the transactions (if needed). NOTE: The same memo verbiage can be used for all transfers by entering text into the Memo field and selecting the check box next to Push to all. Alternatively, you may expand each transaction by clicking the icon next to the transaction and entering the memo accordingly. 10. Review the information on the screen for accuracy and then select Transfer Funds to authorize the transfers or Draft to only draft them. NOTE: The ability to select Transfer Funds is dependent upon your entitlements within Online Banking. If you can only draft, an Administrator must approve the transfers before they can be processed by ANB Bank. Transfer Templates 1. Select Transactions and then select Funds Transfer. 2. Select the Multi-Account Transfers tab. 61
Multi-Transfers 3. Select Create Template. 4. Enter your Template Name. 5. Select the User Roles(s) who should have access to the template by checking the box next to each name listed. 6. Select Accounts & Amounts in the workflow ribbon or Next at the bottom of the page. 7. Select the From Account and To Account for each transfer. 8. Enter the Amount for each transfer. 9. Select the More Transfers box to open additional funds transfers. (A maximum of 35 transfers can be created.) 10. Select Schedule & Submit in the workflow ribbon or Next at the bottom of the page. 62
Multi-Transfers 11. Designate the Transfer Date for all transactions. NOTE: Transfer Date can be selected as the same date for all transactions by selecting the check box next to Use same date for all. 12. Enter an optional memo for the transactions (if needed). NOTE: The same memo verbiage can be used for all transfers by entering text into the Memo field and selecting the check box next to Push to All. Alternatively, you may expand each transaction by clicking the icon next to the transaction and entering the memo accordingly. 13. Review the information on the screen for accuracy and then select Save to save the template. 14. If you want the transfer to process you must select Transfer Funds after you select Save. 63
Symantec Token Symantec Token VIP Access Android VIP Access App 1. Open the Google Play store and search for the VIP Access app. 2. Download the app to your Android device. 3. Open the VIP Access app and provide the Credential ID to ANB Bank. NOTE: The Security Code will be used for transaction authentication. The value changes every 30 seconds for security purposes. 64
Symantec Token VIP Access ios VIP Access App 1. Open the Apple App Store and search for the VIP Access app. 2. Download the app to your ios device. 3. Open the VIP Access app and provide the Credential ID to ANB Bank. NOTE: The Security Code will be used for transaction authentication. The value changes every 30 seconds for security purposes. 65
Submitting the Token Credential ID Submitting the Token Credential ID NOTE: Whether using a hard token provided by the bank, or a soft token from the app, you will need to submit your Credential ID to ANB Bank prior to approving transactions. 4. After obtaining of your token (Hard or Soft), please send the secure message within Online Banking from the menu bar: a. Select Messages click the Message icon. b. In the With* dropdown use the drop down to choose Token Credentials Add/Delete. c. In the subject line put Add Token Credentials. 5. Within the body of the message, please include a. Company Name b. Your Name c. Your User ID d. Your VIP Access Credential ID For the hard token, this can be found on the back of your Symantec-VIP token. It will be the S/N: - it starts with AVT and has 9 digits for a total of 12 characters. For the Soft Token from the app it will be at the top of the app, and start with start with 4 letters followed by 8 digits for a total of 12 characters. e. You will receive a confirmation message in Online Banking stating it has been complete and you may start to approve transactions. Please allow 24 hours for this to be completed. f. Should need to be able to approve transaction immediately, please contact your banker for assistance. 66