City National E Deposit SM User Guide July 2016 Copyright 2016 by City National Bank Member FDIC All rights reserved. No part of this User Guide may be reproduced or transmitted in any form or by any means, electronic or mechanical, including photocopying, recording, or by any information storage and retrieval system, without the written permission of City National Bank. The business processes and methods of doing business described in this User Guide are proprietary to City National Bank. Use of these processes or methods without the prior written consent of City National Bank is strictly prohibited.
Contents Chapter 1 - Introduction... 3 Logging in to E-Deposit... 3 Change Password on First Login... 3 Life Questions Security Feature (Multi-factor Authentication)... 4 Changing Your Password Every 45 Days... 6 Chapter 2 Driver Download... 6 Driver Download... 6 Chapter 3 Making Deposits... 8 New Deposit... 8 Deposit List Screen and Deposit Item List Screen... 10 Deposit Information Summary... 11 Scanned Items List... 11 Chapter 4 - Reports... 12 Creating a Report... 12 Saving and Viewing a Copy of a Report... 13 Viewing Report Creation Settings... 13 Chapter 5 Research... 13 Item Research - (Query)... 13 Chapter 6 User Administration... 15 Setting Up a New User... 15 Changing Your User s Passwords... 19 Resetting the MFA For Your User... 19 August 2016 For Client Use Only Page 2
Chapter 1 Introduction City National Bank s E-Deposit SM service enables your business to make deposits of checks from almost anywhere you go, whether it is at your office or while you re on the go. Using a specialized scanner on your computer, or nothing more than your mobile device, you scan checks to become images that are electronically deposited to your City National Bank deposit accounts. This service reduces or replaces your need to deliver physical deposits via courier or in person at a banking office, and potentially offers you additional time and cost savings. This User Guide provides instructions for the commonly used activities of E-Deposit. If you have any additional questions, you may contact Client Services on banking days, Monday through Friday, from 5:30 a.m. to 7 p.m. Pacific Time at (800) 599-0020. Logging in to E Deposit 1. To log in to the application, go to https://edeposit.cnb.com or click the login link from CNB.com 2. Type your login credentials into the corresponding fields. 3. Click the Login button. Change Password on First Login The first time you log in to the E-Deposit system, you will be prompted to create a new password to use instead of the password you were provided by the bank or your System Administrator. August 2016 For Client Use Only Page 3
NOTE: Passwords must be a minimum of 8 characters and include at least one uppercase and one lower-case letter, one number, and one special character. Special characters allowed are the following:,!@#$%^&*()_+= 1. Enter your new password in both the New Password and Confirm New Password fields. 2. Click the Save button. The Welcome page displays, and a message near the top indicates that your password was changed successfully. Life Questions Security Feature (Multi factor Authentication) To provide a higher level of security, our E-Deposit system uses Multi-factor Authentication. The first time you access your E-Deposit service, the system will require that you set up a series of 5 questions and answers based upon your own life history. 1. After entering and changing your password on your first access to E-Deposit, the Multi-factor Authentication screen appears. August 2016 For Client Use Only Page 4
2. Select a question and then enter your answer to that question, then click next. 3. You will be taken to the next question (Question 2 of 5 and so on). After answering the fifth question, the system brings you to the Home page and allows you to make your deposit. In future logins, the system may ask that you verify your identity, as shown in the following screen. When you are requested to answer the questions, you will be asked three security questions. Select Remember Me to eliminate answering questions on this computer or device. NOTE: If you enter an incorrect response to the multifactor authentication questions, you will be informed that one of the three questions was answered incorrectly. You will August 2016 For Client Use Only Page 5
be prompted to try again. Your administrator can reset your password and/or Security questions if you do not recall the answer to your questions. Changing Your Password Every 45 Days The E-Deposit system requires you to change your password every 45 days. Once your password has expired, a warning page will be displayed when you attempt to log in, requiring you to change your password before being permitted to login. 1. Enter your new password in both the New Password and Confirm New Password fields. 2. Click the Save button. NOTE: Passwords must be a minimum of 8 characters and include at least one upper-case and one lower-case letter, one number, and one special character. Special characters allowed are the following:,!@#$%^&*()_+= 3. The Welcome page displays, and a message near the top indicates that your password was changed successfully. Chapter 2 Driver Download Driver Download Your desktop scanner requires a small program called a driver to be installed on your computer. The first time you use E-Deposit, you will need to install the driver software for the specific scanner you use. Look for the driver link (circled in red on screenshot below). It is in the bottom right of the screen where you can click it to display the drivers supported. August 2016 For Client Use Only Page 6
Click on the scanner you are using, and follow the instructions to download the driver. Administrative rights are required to download drivers. If you are reloading a different driver than the ones shown, contact us for assistance. August 2016 For Client Use Only Page 7
Chapter 3 Making Deposits New Deposit 1. Click the Create New Deposit button on the home page to start a new deposit. The following New Deposit page allows you to start a new deposit. 2. Select the location and associated account number for the deposit. Enter the value of the deposit including decimals and click Start Capture August 2016 For Client Use Only Page 8
After scanning is completed, review the Deposit Item List to confirm that no issues need to be resolved and the deposit is in balance with your Declared Amount. 3. To correct items simply click on the yellow warning icon to the left of the page ( ). 4. After selecting the icon, the item will display noting the reason for the error and allowing you to correct or delete the item. After correcting the item, select next error to move through additional items.. 5. After the last error you will be taken back to the Deposit List to balance and transmit the deposit. 6. You can add additional items or complete the deposit process. 7. If the deposit is in balance: The declared amount agrees with the current amount The Balancing Difference is 0 (zero) and in green font. To transmit the deposit, click Complete. 8. A Message from Webpage box appears: Click OK to confirm the deposit August 2016 For Client Use Only Page 9
Balancing Difference is zero: 0 is in Green Font Deposit List Screen and Deposit Item List Screen You can review your company s deposits using the Deposit List screen. Click the Deposits tab to show the locations for your company, if your company has more than one deposit location. Click the link for the location desired to review recent deposits. The Deposit List page displays general deposit information, as well as specific information about each item in the deposit for that location. Click the task button to review or edit a deposit. This will bring up a Deposit Item List as shown below. From the Deposit List page, you can monitor deposit information as you capture items. Modifications can be made while in Open Status but not after the deposit is in Received Status. Selecting a deposit from the deposit list will display the details of the deposit. August 2016 For Client Use Only Page 10
Deposit Information Section Scanned Item List The Deposit Item List displays details about your current deposit (or previous deposits) shown on the Deposit List screen. It displays information in two main areas of the page: Deposit Information summary and the Scanned Items list. NOTE To obtain a formatted report of the deposit, click Report View. Deposit Information Summary The Deposit Information summary shows the current processing status and balancing information for the deposit. Depending on how your system is configured, balancing information will be displayed. Scanned Items List The Scanned Items list displays a record for each item that is part of the deposit and has been captured from the scanner. August 2016 For Client Use Only Page 11
Chapter 4 Reports The Reporting page allows you to generate reports detailing your E-Deposit processing activities and results. The reports available to you will depend upon your assigned user permissions and on which reports have been configured for your use. Report data comes from the capture database. This data is available for a specific length of time set by system parameters; older data is purged (deleted) and is not available for reporting. Creating a Report 1. Select the report you want to create from the Report Selection drop-down menu. Report Selection Drop-Down Menu Sample Report Thumbnail Image Once you make your selection, the drop-down menus of available report filters update to reflect the selections you can make to customize that report s contents. Depending on your report selection, you may be able to refine your report content using applicable filters. NOTE: If you are unsure that the selected report is the report you want to create, click the Sample thumbnail report image to see an example of what the report typically contains. 2. From the Type drop-down menu, select the report type you want to create. 3. When you have finished selecting your report filters, click the Create Report button. The report will appear in the Report Instances list at the bottom of the Reporting page. Once the report is completed you can view or delete the report. NOTE: Reports may be generated immediately or may be scheduled to be generated at a later time. August 2016 For Client Use Only Page 12
Saving and Viewing a Copy of a Report 1. In the Report Instances list at the bottom of the page, click the Edit ( ) icon for the report you want to save and view. A File Download dialog displays. NOTE: If your system is configured to allow PDF reports to be viewed within a browser window instead of having to save reports for viewing outside of the application, click the Edit ( ) icon for the report and view it directly within a separate browser window. 2. Click the Save button to save the report to a location in your computer for later access. Once saved, open the file to view the generated report. Viewing Report Creation Settings 1. Click the Report Parameters ( ) icon of the report for which you wish to view creation settings. 2. Review the report parameters pop-up display. To print the summary information, click the Print button. 3. When you have finished reviewing the report parameters, click the Close button to return to the Reporting page. Chapter 5 Research Item Research (Query) The Item Research (Query) page allows you to locate Capture database items that match search criteria, including: Credit Amount (looking for a specific deposit item) Deposit ID (The deposit number assigned for a specific deposit by range) Check number (full MICR printed item number) The page presents multiple drop-down menus of search filter criteria. While some of the criteria, like dates, have a very wide range, you must remember that you can only find items that are currently stored in the Capture database. To research an item: 1. Select your search criteria filters from the drop-down menus, noting the following: Many of the filters, once selected, require additional input or selections. For example, after choosing the Location filter, a new drop-down menu appears in the Values field, allowing you to select a specific processing location from that menu. Similarly, selecting the Deposit Date filter, adds a series of date range drop-down menus in the Values field, allowing you to select the processing date range for your research query. August 2016 For Client Use Only Page 13
You can select up to five filters (sort criteria) to limit your search. To clear all selected filters, click the Clear button. To include rejected items in your query, ensure the Include rejected items check box is selected. Rejected items in your query results will be identified by special character formatting (by default, bold red italics), and with Rejected displayed in the State column. Also, if your system is configured to use one, a Reject watermark will be displayed on the reject items. 2. Once you have selected your filters and entered any required values for those filters, click the Search button. The items stored in the Capture database matching your search query will display. NOTE: There is a default limit of 100 items, so your query may not return all results. 3. Review your research results or refine your search query further, noting the following: To refine your search query, select additional (or different) search criteria and values, then click the Search button again. To see the front image for a specific item, click the item in the results list. To see the deposit associated with a specific item, click the view icon ( ). 4. Save the results of your query as follows: To save the results, click the Select All button or select specific items from the results, then click the Add to Stored Results button. To access saved research results, click the Go to Stored Results list. 5. To generate a report on your research results, select one of the following output types for your report from the Report Type drop-down menu: NOTE: Depending on your selected query and on the output format you select, not all data may be included in certain generated reports (for example, unless you have limited your selection to a specific customer, custom field data will not appear in generated CSV- or XLS-formatted reports). CSV Comma separated value data. A text output file best suited for importing reporting information into another program or system. DOCX Microsoft Word Open XML Document. Best suited for generating reports that can be edited or included in another document. PDF Portable Document Format. Best suited for generating reports that will be viewed on a computer screen or sent to other people for viewing. These files are not suitable for editing. RTF Rich Text Format. Best suited for generating reports that can be edited or included in another document. Most document editors can open or import this format. XLS Microsoft Excel Spreadsheet. An export format, used by Microsoft Excel and Open Office, that once imported, can be further sorted, refined, or combined. August 2016 For Client Use Only Page 14
If you wish to include images in the report, select the image type from the Images drop-down menu. NOTE: Limit including images except in smaller reports as they could slow down the system and increase the report page count significantly. Click the Create Report button. To delete the current research results, click the Clear List button. Chapter 6 User Administration Setting Up a New User 1. Click the Administration tab to bring up the Administration screen. 2. Click the Create New User button at the bottom of the page. This will start the process of setting up a new user with the three basic steps, each with a corresponding screen. 3. On the Step 1 screen, enter a User ID for your new user, with all lower-case letters. A minimum of 8 characters is required. August 2016 For Client Use Only Page 15
4. 4. Enter a password and then enter again to confirm. (Later, your user will be prompted to change their password when they first access the system.) The temporary password you enter must include both uppercase and lowercase letters, a number and at least one special character (as described on page 6). 5. Complete the other required fields as well as any optional fields you desire as shown in the screen shot above. 6. The optional security question on this page may be used to enter a security question your user would know to assist in validating your user before they can reset their password. 7. Click Next. 8. On the Step 2 screen choose the user roles for your user and click the Add button. (NOTE: Mobile user entitlements may overlap with User entitlements without problems.) August 2016 For Client Use Only Page 16
User Roles include: Service Admin Service Admin can complete Basic deposit, reporting and research plus the ability to add users. User Basic deposit, reporting and research (access only from a desktop computer) 9. Mobile Deposits and basic reporting on a mobile device. (Mobile role must be used with a minimum of a User role as well. The mobile app will not work without a minimum of user role and the mobile role. Click Next. 10. Choosing user roles in Step 2 activates the Single Deposit and Item Limits screen shown below. Entry here is optional and depends upon your company s policies. Click Next when completed. August 2016 For Client Use Only Page 17
11. The Step 3 screen lets you choose the locations your user will be making deposits for. When making the deposit, they will choose the location corresponding to the deposit. 12. Click each location name as appropriate, then click the Add>> button. 13. Click the Save button when all locations are added. The User screen will show that your user has been added to your list of users. August 2016 For Client Use Only Page 18
Changing Your User s Passwords With the E-Deposit system, your users can change their own passwords and also their Multifactor Authentication questions. However, if a user makes too many attempts to login (3 failed attempts), the system will lock them out and you will need to reset their password and unlock them. 1. Using the User Search screen, click the edit icon or click on the user name to bring up the User Details screen. 2. Click the Manage Authorization button. 3. Enter a new temporary password and confirm. Uncheck the Locked box if necessary, then click Save. 4. The system will send an email with the temporary password to the user. Resetting the MFA For Your User To reset a user s Multifactor Authentication questions, click the Reset Challenge Questions button on the User Details screen. The user will receive an email informing them that they may reset the questions and answers, and will be asked to do so on their next log-in. August 2016 For Client Use Only Page 19