Introducing your new INBUSINESS BANKING SYSTEM Companion Guide to Business Banking Video Tutorials Updated 0.09.8
WELCOME TO THE INBUSINESS SYSTEM The InBusiness System will help you efficiently and securely manage your business payment and information reporting needs. This user guide will provide an overview of the product as well as the details on the more advanced features and modules. Table of Contents ONLINE BANKING OVERVIEW Login... Account Summary... Generate an estatement...4 Recurring Transfers...6 USER ADMINISTRATION Adding, Changing and Removing Users...7 Resetting Passwords...8 Account Permissions...9 Wire Transfer Permissions...0 Stop Payment Permissions... ACH Permissions... Federal Tax Payments Permissions... Reconciliation Permissions... Other Permissions... USER INSTRUCTIONS Additional Services... Maintain Security Questions...4 Forgot password...4 Activate Token...5 ACH Update or Add Participants...6 Maintain Batch Template...8 Connect a Batch Template with Participants...9 Submit an ACH Batch File for Processing...0 Update ach batch... Import ach data... Batch Approval...4 NACHA Files...5 WIRE Set Up a Template...6 Wire Template Approval...7 Initiate a Wire Template...8 One-Time Wire Transfers...9 Approve a Wire... Wire reports... POSITIVE PAY Import a List of Issued Checks... Entering Issued Checks Manually...4 Decision Checks...6 STOP PAYMENT View stop payment activity...8 NOTIFICATIONS 9 Introducing your new Companion Guide to Business Banking Video Tutorials.
ONLINE BANKING OVERVIEW LOGIN Each login requires three things: Company ID - the same for every user in your company User ID unique to each user User Password unique to each user Enter this information then click Login to continue. First-time users will be prompted to enter a security code, which will be sent via email, text or phone. This process will also be required if you are logging in from a new computer. Click the link of your text number, voice number, or email address and the security code will be sent immediately. NOTE: To change any of these links options, follow instructions found in the User Administration. 4 Enter the code in the One-time Passcode field then click Continue. 4 If a user has forgotten their password, they can choose the forgot user password option and follow the prompts to retrieve it. Welcome to Minnesota Bank & Trust
ONLINE BANKING OVERVIEW ACCOUNT SUMMARY Following login, you are taken to the Account Summary screen, which lists every account that user has access to. Each account listing includes the most common information requested for that type of account, including type, account number and balance information. To see more detail, click on the highlighted Description of the account. The Account Details screen will display day-to-day transactions in your account. The default date range will be for yesterday and today. You can change this date range up to one year from the current date - by clicking on the calendar icon, or by simply typing in the dates you wish to review. Click Submit to proceed. Once your account details have populated, you can sort the transactions by clicking on the arrows next to each category heading, such as Date, Item Reference, Transaction or Description. Introducing your new Companion Guide to Business Banking Video Tutorials.
ONLINE BANKING OVERVIEW Click on the Advanced Search link for more search options including a specific amount or check number and the ability to filter transactions by choosing the categories you want displayed. If you have any checks which have cleared your account you will see the check number under the column marked Item Reference. The check number itself is a link which can be clicked to bring up an image of a check. This feature will work for a trailing one year of transaction data. You can view deposited items. The number under the column marked Item Reference is a link which can be clicked to bring up an image of the deposit ticket and any checks within that deposit. 4 At the bottom of the screen you ll find an option to export your data. You may export in several useful file types, including QuickBooks, Comma Delimited, and HTML. Choose the type of file by using the Select Export Format drop-down. 4 Welcome to Minnesota Bank & Trust
ONLINE BANKING OVERVIEW GENERATE AN ESTATEMENT To view an estatement, choose Enhanced Online Statements under the Account Activities & Reporting tab. Select the account you wish to view. From the next screen, select the statement to view from the list of available statements. Click Submit to view the statement. Multiple Statements When printing multiple statements, you can click on View All Accounts, and select the ones you wish to view. Or you can click on View All Dates, and select the statements you wish to view. Once you have all the statements you want selected, you will click on the View and Print Selected Documents at the bottom of the page. Once it runs, you may open it to have a printable document of all the accounts and dates you requested. 4 Introducing your new Companion Guide to Business Banking Video Tutorials.
ONLINE BANKING OVERVIEW TRANSFERS Under the Payments and Transfers tab, choose Add Transfer. To make a transfer choose the source or From Account, and the destination or To Account. Input the Amount you wish to transfer. The default Date is today s date. You can put a future banking date in this field if you d like. 4 Click Add. You ll see that your transfer has been entered into the Account Transfers queue. You can process up to 0 transfers simultaneously. 5 Once you are done, click Submit. If you use today s date the transfers will post within a few minutes. If you choose a future date, they will process mid-morning on that date. Note: Transfer memo shows in transaction detail. Special characters are not accepted. 4 5 Welcome to Minnesota Bank & Trust 5
ONLINE BANKING OVERVIEW RECURRING TRANSFERS Recurring Transfers can be set up under the Payments and Transfers tab. You can choose to have recurring transfers occur indefinitely, for a specific Number of Transfers or schedule an End Date. To update a recurring transfer or to modify a future-dated transfer, select Update Transfers under the Payments and Transfers tab. 4 If you would like to receive an email notification, enter your email here. Note: Transfer memo shows in transaction detail. Special characters are not accepted. 4 6 Introducing your new Companion Guide to Business Banking Video Tutorials.
USER ADMINISTRATION You may assign specific permissions to each user of InBusiness. ADDING, CHANGING AND REMOVING USERS To begin, choose Add/Change/Remove Users under the Administration tab. If you have not yet added a user, a pop-up window will instruct you to enter information for a new user. Click OK to continue. If you have users already in your system, you may select the one you wish to edit using the Current User drop-down menu, or click on New to create a new user. In the User Name field enter your user s full name so you can identify them later. The User ID will be the login this user needs to access this site. All users will access the system with the same Company ID, but each User ID and User Password will be unique. Welcome to Minnesota Bank & Trust 7
USER ADMINISTRATION Create a temporary User Password for each user then reenter it in the box below to Confirm Password. Your password must: Contain at least 9 characters Not be more than 6 characters Contain at least or more alphabetic characters Contain at least or more numbers Contain at least or more uppercase letter Contain at least or more lowercase letter Contain or more of the following special characters:!@#$%^&*.()-?_;:,~=+/{}[] \ 4 Enter the user s Email Address. The email address is important, as this user will need to retrieve a temporary code sent to this email on their first login. Remember that you will need to supply this User ID and Password to your new user. Setup One-time Passcode Options. Enter the user s original primary email address and phone number in this section. Additional email addresses or phone numbers for the user can be added if desired. After entering the new user information, click Update. RESETTING PASSWORDS 4 If the user is locked out, click Unlock User (this button will only appear if the user is locked out). Once you have setup a user, it will be your responsibility to unlock or reset this user should they need it. Only administrative users for your company have this ability. The bank does not have the option to reset or unlock users on the site. The bank can only perform a reset for the super user. 8 Introducing your new Companion Guide to Business Banking Video Tutorials.
USER ADMINISTRATION ACCOUNT PERMISSIONS As the Super User or Administrative user you can assign permissions under the Account Permissions tab. Some of the checkboxes may be greyed out if these products or modules were not requested in the company contract. Permissions available Include: Account Reporting allows your user to see daily, real-time transactions on this account. Acct Transfer Credit allows your user to make an internal transfer between accounts to move funds into this account. Acct Transfer Debit allows for transfers which take funds from this account. The NSF Account Transfer feature is currently not in use. The Wire Transfer, Stop Payments, ACH, and Federal Tax Payments options require additional permissions. Scroll down to the permissions box for each of these options. Recon Exceptions allows your user to make decisions on Positive Pay exception items. Recon Issues allows the user to submit issued items for use in our Positive Pay program. Account Statement - This field is not active. Enhanced Online Statement permission is discussed on page. Welcome to Minnesota Bank & Trust 9
USER ADMINISTRATION WIRE TRANSFER PERMISSIONS If you gave your user Wire Transfer permissions, you must select additional rights. Initiate Template allows the user to send a wire using a previously approved wire template. This is useful for repetitive wires. Initiate Freeform allows the user to send a wire without using a previously approved template. This option will be used for one-time wires. Template Maintenance allows the user to create or edit a Wire template. Incoming Wires allows the user to see the details on a wire posting to your account. Investigation Request allows the user to request information on a wire. Foreign Exchange Rates allows access to the screen which shows exchange rates for the foreign currencies which we allow wires to be sent in. Initiate Group allows the user to send multiple wires associated as a group template. Approval allows the user to approve a wire which has already been initiated. Template Group Maintenance allows the user to create a group template to send multiple wires at one time. Suppress Email Approval Request disables email notification for the user when a wire has been initiated and must be approved. Suppress Incoming Email Notification disables email sent to the user regarding incoming wires. If you have given the user initiation permission, you must fill in the Daily Limit and Transaction Limit boxes. If you have given the user approval permission, you must fill in the Daily Approval Limit and Transaction Approval Limit boxes. 0 Introducing your new Companion Guide to Business Banking Video Tutorials.
USER ADMINISTRATION STOP PAYMENT PERMISSIONS If you selected Stop Payments in account permissions you will also need to check both of these boxes. ACH PERMISSIONS If you gave your user ACH permissions, you must select additional rights. Participant Maintenance allows the user to setup individual participants to receive your ACH transfer. ACH Approval allows the user to approve initiated ACH batches. Batch Template Maintenance allows the user to create an ACH template Assign Participant to Batch allows the user to link participants to an ACH batch template Suppress Email Approval Request prevents the user from receiving a notification email for each ACH batch which is initiated. Initiate Batch allows the user to send a completed ACH batch for approval. Import ACH Data allows the user to upload a customer ACH data file which can be mapped to build an ACH batch. Send ACH File allows the user to upload and submit a NACHA formatted ACH file for processing. You must assign Daily Activity and Per Batch limits based on which permissions you assigned the user. The limits are broken down by Credits and Debits as well as by Initiation and/or Approval. Welcome to Minnesota Bank & Trust
USER ADMINISTRATION FEDERAL TAX PAYMENTS PERMISSIONS For Federal tax payments, you must assign your user permission to initiate tax payments, to approve tax payments or both. You may also allow the user to Suppress Email Notifications which are sent whenever a tax payment is initiated. You must assign the user a Daily Limit and Transaction Limit for Initiation and Approval based on which level of access you assigned to them. RECONCILIATION PERMISSIONS If you assigned your user Reconciliation service access for Positive Pay, you must select additional permissions. Issues Register Input allows the user to manually input an issued check. Issues Register allows the user to view issued items previously uploaded to the site. Exceptions Processing allows the user to make decisions on exception items identified by Positive Pay. Suppress Issues Notification prevents the user from getting email confirmation for the upload, or entry of issued items. File Upload allows the user to import a Positive Pay data file for issued items Suppress Exceptions Notification prevents the user from getting email notice for exception items. Introducing your new Companion Guide to Business Banking Video Tutorials.
USER ADMINISTRATION OTHER PERMISSIONS If you wish to make your user an Administrator, check the box under the Administration section. A User Administrator can setup and edit Users. They will not be able to edit the profile for themselves, the Super User, or other Administrator Users. Only a Super User can designate an Administrative User. An Administrative User will have the ability to reset passwords for other non-administrative users. The Account Reporting and Account Transfer sections will be checked automatically if you selected the corresponding options under the account permissions section. ADDITIONAL SERVICES Check the Enhanced Online Statements box to give this user access to account statements for all accounts permitted to this user. 4 Check the ipay Bill Payment box if you wish to give this user access to Bill Pay. You can assign specific permissions within the Bill Pay site. 5 The final step is to click the Add button at the bottom of the screen for a new user or the Update button for changes to an existing user. 4 Welcome to Minnesota Bank & Trust
USER INSTRUCTIONS MAINTAIN SECURITY QUESTIONS This feature allows a user to establish and/or update his or her security questions and answers. This menu option allows you to reset a forgotten user password. These questions and answers must be established before your are allowed to use the forgotten user password feature. From the administration menu, select the Maintain Security Questions option under the My Profile group. Select five unique questions from the five drop-down question lists. Enter answers to each question following the guidelines on the page. All five questions must be selected and answered. No answers may be identical. 4 Click on the Submit button to save your selections. You can also click on the reset button to clear the fields if you entered any incorrect information. 4 FORGOT PASSWORD 5 From the login page, fill in company ID and User ID. Then click link forgot user password. If you get error message 87, it means you have not set up your credentials. Please contact your company administrator to reset your password and them proceed to maintaining your security questions so that you can use forgot password option in the future. 6 You will be prompted to answer your security questions. Once you proceed, you will be prompted to enter a new password. 5 7 Click the UPDATE button and you will be redirected to the login page. 4 Introducing your new Companion Guide to Business Banking Video Tutorials.
USER INSTRUCTIONS ACTIVATE TOKEN Any user who is set up to approve Wires or ACH will be required to use a token at the time of approving a transaction. User with approval authority will need to down load the VIP Access app: Once the app has been downloaded, the credential ID will need to be set up with the bank. This can be done in one of two ways: The Super User can provide all user s credential IDs to the bank. Individual users can call Treasury Management Support at 0.460.475 or 877.8.564 from the cell phone number registered to the user to provide the credential ID. NOTE: Hard tokens are also available upon request. Welcome to Minnesota Bank & Trust 5
ACH Using ACH batch files is the most efficient way to process a large number of transactions. This section will cover the ACH functions of InBusiness, including how to create an ACH batch file as well as how to upload a NACHA file for processing. UPDATE OR ADD PARTICIPANTS Under the Payments and Transfers tab, select Maintain Participant. Here you will create the individual participants that are part of your ACH Batch. Participants are the receivers of an ACH transaction. They are considered receivers both if you are sending money to them or taking money from their account. If you ve already created participants you will be able to select them under the Select Participant drop-down to make any changes. 6 Introducing your new Companion Guide to Business Banking Video Tutorials.
ACH New receiver information will be entered in the Add Participant section. You may enter up to three new participants at a time under the Add Participants section. The Participant ID is your own internal reference to this person or business to help you look them up later. The Participant Name should match the name on the account of the receiver of the ACH. Fill in the Routing Number and Account Number in the appropriate fields. The Amount field: if your file will have different amounts each time you process, leave the field blank. Choose the Transaction Type you want associated with this participant. A Prenote is a test ACH transaction which must be for a zero dollar amount. This allows you to send a test file ahead of the real transaction to see if you have the correct routing and account numbers before you send live money through. To send a Prenote the first time you use this participant, check the box. Remember that if you choose to send a Prenote, you must wait business days before you can initiate the live money transaction. Addenda allows you to add a note or memo to a transaction. As with the amount, it is best to leave this blank if you plan to update this with each batch you send. Be aware that many banks will not forward this information to the receiver unless they have specifically requested it. 4 Ending Date allows you to assign a specific day that a participant will cease to work. If you try to use this participant after this date, the site will prevent them from being part of your batch. 5 Click Add to create a new participant. Click Update to save changes to an existing participant. NOTE: To update existing batch templates and/or participant records using a file by another application, please reference the Import ACH Data function. 5 4 Welcome to Minnesota Bank & Trust 7
ACH MAINTAIN BATCH TEMPLATE After adding participants, you will define the parameters of an ACH batch template by selecting Maintain Batch Template under the Payments & Transfers tab. If you already have templates created, you can choose one to edit using the Select Template drop-down. Click Add New to create a new template. Create a Template Name. The Template Description will be part of the transaction description that your receiver sees on their account. This should explain the type of transaction, for example: Payroll, Insurance Premiums, etc. Choose your ACH Batch Class based on the type of file you are creating. Select PPD - Personal Payments for individuals or CCD - Corporate Payments for business-to-business transactions. Select the correct ACH ID set up by bank for the account you are using to process your ACH. The description of this ID will also be a part of the transaction description your receiver sees on their account. ACH ID is generated to identify the originator of transactions. This links returns to the appropriate account based on ACH ID. Create Offsetting Transaction will be checked by default. Choose which of your accounts you wish to use for this ACH using the Offset Account drop-down. Whether your account is debited or credited will be decided based on the Transaction Type you chose for your participants. The participants will be linked to the template in the next step. 8 Introducing your new Companion Guide to Business Banking Video Tutorials.
ACH CONNECT A BATCH TEMPLATE WITH PARTICIPANTS This step will link together the previous two steps (Add Participants and Maintain Batch Template). Under the Payments & Transfers tab, select Assign Participant to Batch. Choose the template you wish to work with using the Template Name drop-down. Select all the Participants you wish to associate with that template by checking the boxes. You will also have the option to Select All participants available for a given template. 4 Click Update to save your changes. 4 Welcome to Minnesota Bank & Trust 9
ACH SUBMIT AN ACH BATCH FILE FOR PROCESSING Under the Payments & Transfers tab, select Initiate Batch. Select the Template Name from the drop-down and you will see a list of the participants you associated with this template (Connect a Batch Template with Participants). Choose the desired Effective Date for your file. Remember that this date must be at least the next business day which excludes federal holidays and weekends. If you wish to hold a participant so they are not sent with this particular batch, check the box beside that participant s name in the Hold column. They will remain a part of this template, but will not be included in this particular file. Fill in the Amount field. This field will initially show zero unless you entered an amount during the participant setup. If you wish to send a prenote file, you may check the Prenote box, but remember that the amount must be zero for a prenote. An optional addendum can be added in the Addenda field. If you have many amounts or addenda to input and you wish to save your work along the way, click the Save button. This will allow you to pick up where you left off in case the site times out or if you need to sign back in later. Update batch instructions on next page. 4 Click Initiate to complete the process. NOTE: To update existing batch templates and/or participant records using a file by another application, please reference the Import ACH Data function. 4 0 Introducing your new Companion Guide to Business Banking Video Tutorials.
ACH UPDATE ACH BATCH The Update ACH Batch function lets you make changes to ACH Batches with a saved or deleted status. An ACH batch is eligible for editing if: An Administrator denied the batch It was saved during an editing session in the Initiate Batch function You are required to prefund your credit batch and the batch has been Denied by a financial institution administrator To display the Update ACH Batch Screen: Rest your cursor on the Payments & Transfers menu option and then select the Update Batch option listed under the ACH Processing group. The Template Name drop-down list contains all batches that are eligible for editing. When you choose a batch from this list, the screen is populated with the batch data. If you are required to perform batches, balanced templates that were created prior to prefunding enablement will fail upon initiation. Welcome to Minnesota Bank & Trust
ACH IMPORT ACH DATA The Import ACH data function allows you to create new or update existing Batch Templates and Participant records using a file created by another application. you may import a Standard ACH file (formatted to NACHA specifications) to add new batches to the system. The Import ACH Data function may also be used to update existing batch templates and participates based on criteria defined in Delimited Map or Fixed Map instructions used when importing text files created by another application. Delimited and Fixed ACH Map types allow you to define the file layout so the Import process can identify the structures and intent of the file being imported. Import file layout definitions are stored and maintained as ACH Import Maps. Delimited Map Use this map type to define the delimiter and where each piece of the participant s data is located in the file. Fixed Map Use this map type to define the start and end positions of the participant s data within the file. To display the Import ACH Batch Screen: Select the ACH option on the Payments and Transfer menu and then click Import ACH Data. The Import ACH Data screen appears. File format selection. Select radio button next to the name of the map created. Click the Browse button under File Selection to open a standard Windows dialog box that allows you to search your local and network drives to locate the file. You must have the ACH file available either on a local drive or on a network-accessible drive. Introducing your new Companion Guide to Business Banking Video Tutorials.
ACH The Map Type selected under Batch/Process Mode Selection section must match the appropriate map type selected/defined in the Map Selection section. Under the Batch/Process Mode Selection select the appropriate Batch Template the import should affect. NOTE: For Add, Update and Delete Maps you must perform the import twice:. Import Delimited or Fixed file as an Add Only and select the appropriate Batch Template the import should affect.. Import Delimited of fixed file as a Delete and Update and select the appropriate Batch Template the import should affect. Welcome to Minnesota Bank & Trust
ACH BATCH APPROVAL For those using our recommended Dual Control procedures, this next step must be completed by a separate user. To approve a file, select Approve/View ACH Activity under the Payments and Transfers tab. This will bring up any pending files in the ACH Batches Pending Approval section. Click on the magnifying glass icon to view Details of the file. It is recommended that you print or save this document for every file you process. To approve the file, check the box in the Select column then click Approve. A pop-up window will appear, prompting you to enter the Security Code from your VIP Access app on your smartphone or Go ID token. Enter the code in the Security Code field. 4 Click the Approve button to complete your ACH batch. 4 4 Introducing your new Companion Guide to Business Banking Video Tutorials.
ACH NACHA FILES If you wish to upload a NACHA formatted ACH file, first make sure your file conforms to our specifications. Please contact us with questions on our specifications. To import a NACHA file, select Send ACH File under the Payments and Transfers tab. Click the Browse button to locate the file on your computer, then click Upload. As with an ACH Template, this may need to be approved by a second user. See previous page for ACH Template approval. Welcome to Minnesota Bank & Trust 5
WIRE This section will cover the Wire functions of InBusiness, including instructions on how to initiate and approve a wire. There are two ways to send a wire on InBusiness. A predesigned template may be used for recurring wires. One-time wires can be created by using a freeform template. SET UP A TEMPLATE To set up a recurring wire, create a wire template. Under the Payments and Transfers tab, select Maintain Template. Any existing templates will be shown under the Select Template dropdown. To create a new template, click Add New. Create and enter a name in the Template Name field. Select the account you wish to have the funds come from using the Debit Account drop-down. Fill in the Amount field. This field may be left blank if you plan to change the amount with each wire you send. Select the type of Currency you wish to use from the drop-down menu. You can add an optional memo line under Message to Beneficiary. Leave this field blank if you plan to change the memo with each wire you send. All starred fields within the Beneficiary Information section must be filled in. It is a good practice to enter as much information as you have about the receiver of your wire. Continued on Next Page 6 Introducing your new Companion Guide to Business Banking Video Tutorials.
WIRE SET UP A TEMPLATE CONTINUED 4 If your wiring instructions include either a receiving bank or intermediary bank, click the + sign beside Receiving and Intermediary Bank Information to expand the page and fill in the necessary fields. 4 5 Click Add to complete your template. WIRE TEMPLATE APPROVAL Wire templates themselves must be approved before they can be initiated. For those using our recommended dual control procedures, this means another user must log in to approve the template. To approve a template, select Approve Template under the Payments and Transfers tab. 5 Select the template by checking the box in the Select column then click Approve. This approval will not require your Go ID security token. Welcome to Minnesota Bank & Trust 7
WIRE INITIATE A WIRE TEMPLATE Once the template is approved you may initiate the wire template. Select Initiate Template under the Payments and Transfers tab. Choose the template you want to process using the Template Name drop-down menu. Update the Amount field. Change the Value Date field if necessary. Add a Message to Beneficiary if desired. Click Initiate to proceed. 4 If you have left the Message to Beneficiary field blank, the site will generate a pop-up window to remind you. Click OK to leave the message blank. 5 A pop-up window will appear with an overview of your wire instructions. Click Submit once you ve confirmed that the information is correct. The site will then remind you that the wire will stay in a pending status until approved. 4 5 8 Introducing your new Companion Guide to Business Banking Video Tutorials.
WIRE ONE-TIME WIRE TRANSFERS If you wish to send a wire just once, and don t want to save your details in a template, select Initiate Freeform under the Payments and Transfers tab. Using the drop-down, choose the Debit Account from which you wish to send the wire. Enter the Amount in the field provided. Choose which Currency you wish to send the wire in using the drop-down. Choose the Value Date you want the wire to initiate and settle. Note that this must be a banking day, no Federal holidays or weekends. If you try to use today s date after our wire cutoff time, you will receive a notice that the day is invalid. Please contact us for information about wire cutoff times. You can add an optional Message to Beneficiary. 4 All starred fields within the Beneficiary Information section must be filled in. It is a good practice to enter as much information as you have about the receiver of your wire. 4 Welcome to Minnesota Bank & Trust 9
WIRE ONE-TIME WIRE TRANSFERS (Continued) 5 If your wiring instructions include either a receiving bank or intermediary bank, click the + sign beside Receiving and Intermediary Bank Information to expand the page and fill in the necessary fields. 5 6 Click Initiate to complete the wire. 7 If you have left the Message to Beneficiary field blank, the site will generate a pop-up window to remind you. Click OK to leave the message blank. 8 A pop-up window will appear with an overview of your wire. Click Submit once you ve confirmed that the information is correct. The site will then remind you that the wire will remain in a pending status until approved. 6 7 8 0 Introducing your new Companion Guide to Business Banking Video Tutorials.
WIRE APPROVE A WIRE For those using our recommended Dual Control procedures, this next step will need to be completed by a separate user. To approve a wire, select Approve/View Wire Activity under the Payments and Transfers tab. This will generate a list of Pending Wires. Click on the magnifying glass icon to view the Details of the file. It is recommended that you print or save this document for every file you process. To approve the wire, check the box in the Select column then click Approve. A pop-up window will appear, prompting you to enter the Security Code from your VIP Access App. Enter the latest code Security Code that shows on the VIP Access App. Welcome to Minnesota Bank & Trust
WIRE WIRE REPORTS To view wire reports, select the Payments & Transfers tab and find the option you are looking for in the Wire Processing section. Under Processing, there are additional options available.. View Wire Activity Options include pending, denied and sent. The fed reference number can be found under the Sent Wires section. View Incoming Wire Report View Exchange Rates 4 Request Wire Investigation 4 Introducing your new Companion Guide to Business Banking Video Tutorials.
POSITIVE PAY This section will cover the Positive Pay functions of InBusiness, including how to upload a check file, how to enter checks individually, how to view checks you have previously submitted, and how to make decisions on exception items. IMPORT A LIST OF ISSUED CHECKS To import a list of checks your business has issued, select Upload Issued Checks under the Account Activities & Reporting tab. We have three different formats which we can accept. Choose the format you ve used to create your file under Type. Click Browse in the Select File section to locate the file on your computer, then click Upload. A pop-up window will appear confirming your upload. Please note, for security reasons the actual path won t be shown, you will instead see fake path preceding your file. Click Upload to continue. 4 A confirmation of the number of items you ve uploaded will appear in Reconciliation Upload File Status. This information will also include the Batch ID. 4 Welcome to Minnesota Bank & Trust
POSITIVE PAY ENTERING ISSUED CHECKS MANUALLY To enter checks manually, select Enter Issued Checks under the Account Activities & Reporting tab. Choose the account the check is drawn on using the Account Selection drop-down. Choose an Action from the four options. Reg/Add adds this check to your InBusiness Positive Pay register. This identifies it as a check you have written. Should this check attempt to clear your account and matches on check number and amount, our system will pass it through without notifying you. Reg/Del removes a check you have previously added to your register. Void/Add allows you to void a check you wrote, but do not wish to pay. A check you wish to stop payment on can be added as a void. A void does not replace a stop payment. Void/Del allows you to delete a void you ve added that you no longer want to be voided. If you wish to delete a void please email TMSupport@mnbankandtrust.com to let them know you would like this item to pay. Enter the Issue Date. Enter the Check Number. Fill in the Amount field. Fill in the Payee field. You can add an optional note about this item in the Additional Information field. 4 Click Add to Pending Issues to proceed. 4 4 Introducing your new Companion Guide to Business Banking Video Tutorials.
POSITIVE PAY ENTERING CHECKS MANUALLY CONTINUED 5 You can add multiple issues and you will be able to see all the checks you ve added in the Pending Issues section. If you wish to save your progress, click Save at any time. 6 Give your batch a name under Batch Description. We suggest the date the checks were issued. 7 When you are finished adding checks, click Send. You will then see a confirmation of the batch. If you have submitted the batch after 7:00 a.m. Central Time, you will see a reminder that they will be added the next business day. Whether you import or manually enter your issued checks, you can view all of the issues in your Positive Pay Register by selecting View Issued Check Register under the Account Activities & Reporting tab. 5 6 7 Welcome to Minnesota Bank & Trust 5
POSITIVE PAY DECISION CHECKS If there are checks that try to clear your account that don t match what you have entered in the system, you will receive an email notice. If you receive a notice about an exception for a check trying to clear your account, you can view the details by selecting Decision Positive Pay Exceptions under the Account Activities & Reporting tab. The default action for the item will be determined by your contract, however you have the option to choose whether to Pay, Return or Pay Adj. Required in the Action column. First check the box beside the item in the Select column, then select the desired Action. Click Send to complete the Decision. You can view the image of the check before decisioning it by going under the Account Activity & Reporting tab and choosing View Account Summary. Select the checking account and click on check number in the Item Reference column to view the image. You must login before :00pm Central time. After that time we will handle all items according to the default action for the account. View Past Returned Items To view items that have been returned, will pull up the account within View Account Summary and Choose Advanced Search. You can then either search by the check number or the amount. 4 Click Submit to complete the search. 5 The transaction description will show RTN CK (check number) POSPAY Under Posted Transactions if there have been any checks returned. 5 4 6 Introducing your new Companion Guide to Business Banking Video Tutorials.
STOP PAYMENTS ADD STOP REPORT The Add Stop Report function allows you to place stops on an individual check. Depending on the type of stop payment, additional information is required. To display the Add Stop Payment screen: Under the Account Activities and Reporting menu and the Stop Payment group, select the Add Stop Payment option. The Add Stop Payment screen displays. The contact information fields are automatically populated with the information on file. These fields contain contact information used by your financial institution if they have any questions regarding the stop payment request. Complete the remaining information requested on this page. Fields with an asterisk (*) are required. NOTE: Do not use special characters in the payee field. Click the Add button to send the stop payment request to your financial institution. A review screen appears allowing you to cancel or submit the Stop Payment for processing. If you click Submit, a confirmation screen appears with a recap of the information sent to the financial institution. Welcome to Minnesota Bank & Trust 7
STOP PAYMENTS VIEW STOP PAYMENT ACTIVITY The Stop Payment Activity function allows you to view the status of stop payment requests. The screen will display Stop Payment activity for all users who are permitted to the Stop Payment function. This activity is only available temporarily after placed. Stop Payment requests will have one of the following four status designations: Unprocessed The Stop Payment Request has been sent to the financial institution and is awaiting action. This status is also assigned when a mixed status is returned on a stop payment request, i.e. some checks have cleared others have not. Processing The financial institution has received the stop payment request from the end user an employee of the customer that is given access to application by the company administrator or a user administrator and is in the process of completing the request. Completed The financial institution has completed the stop payment request. Declined The financial institution is unable to complete the stop payment request. Stop Payment requests with a status of Completed or Declined will remain on the activity screen for a period of ten calendar days. to view the Stop payment Activity screen, select the View Stop Activity option under the Account activities and Reporting menu and Stop Payment group. On initial display, the table is sorted by Data Created with the most recent stop payment transaction appearing at the top of the table. The second level sort is by Company. You may sort the table differently by clicking the up and down arrows in the column headers. Click the magnifying glass in the Details column to view the details of the stop payment in a separate pop-up window. 8 Introducing your new Companion Guide to Business Banking Video Tutorials.
NOTIFICATIONS Below are sample notifications that are generated through services within InBusiness. These trusted documents and can be opened when received. 4 Password Change Notification ACH Notification b. Users receive notification when their password is reset a. Pending approval Wire Processing Notification b. Processed confirmation a. Super user received each time users get temp code 5 Positive Pay a. Pending approval a. Issue file notice One Time Passcode b. Notification of exception c. Confirmation that exceptions have been processed Welcome to Minnesota Bank & Trust 9