IMPORTANT INFORMATION: Upcoming Online Banking Conversion

IMPORTANT INFORMATION: Upcoming Online Banking Conversion As part of the bank wide system conversion, we are upgrading our online banking platform to ...
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IMPORTANT INFORMATION: Upcoming Online Banking Conversion As part of the bank wide system conversion, we are upgrading our online banking platform to Business eBanking (BeB) which will replace the VIPbanker™ system. We want to make this change as easy as we can for you, so please review the following information to help guide you through the process. BeB has many enhanced features that we are excited to introduce to you to further improve your banking experience with Pacific Western Bank. We will host a preview period that will allow you to test your login credentials, review your user(s) profiles, limits, ACH and/or wire templates, and make changes. Note: If you made changes to your user profiles, limits, ACH and/or rd th wire templates in VIPBanker™ from April 23 to May 13 you will need to make those same changes in BeB. To ease your transition into our new system we urge you to use the preview period and experience the new services. nd th This preview period will last from May 2 through May 13 . Please refer to the Business eBanking Guide to assist you in reviewing and confirming some important items. To make this conversion easy for you and your users, we have dedicated this telephone line, 855.513.3920, to assist with any questions regarding BeB Services during the hours of 5:00 a.m. to 6:00 p.m. PT, Monday through Friday; excluding holidays. To access BeB during the preview period, visit www.pacificwesternbank.com, under Banking Services, select Online Banking or simply use this link https://securebusiness.ebanking-services.com/. Note: The preview period will not allow you to conduct “live” transactions. Please access VIPbanker™ through May 13, 2016, 3:00 p.m. PT to perform your transactions as usual. Access within VIPbanker™ will be inquiry only over the conversion weekend of May 13, 2016.

KEY DATES •



May 2, 2016 – May 13, 2016: You will have the ability to login to a BeB Preview site to view user setups, ACH and wire templates, and other administrative functions. Any changes made will be saved and available for your use once you are in the live environment in BeB on May 16, 2016. Please do not schedule any payments or transactions during the preview period. May 13, 2016: o o o



May 14, 2016 7:00 a.m. PT o



You will be able to complete transactions in VIPbanker™ until 3:00 p.m. PT, except for ACH origination. ACH origination must be processed no later than 2:30 p.m. PT We recommend processing Remote Deposits as soon as possible on May 13, 2016. This service will be disabled at 3:00 p.m. PT; you will be able to use these services again on Monday, May 16, 2016.

At this time and through the conversion weekend, you will have inquiry only account access

May 16, 2016, 5:00 a.m. PT: The new BeB system will be ready for you to perform all online banking functions.

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LOGIN ACCESS •

You will access BeB from the bank’s website at www.pacificwesternbank.com on May 16, 2016.



If you saved the VIPbanker™ login page itself as a favorite, it will no longer be available on May 16, 2016. Please bookmark the new link from the BeB login page.



Businesses will now be assigned a Company ID. Each user will be required to enter the Company ID along with their same Login ID used today. Login IDs must be entered in lower case letters.



Your Company ID will be sent to the individual designated as the Company Administrator via email on May 2 the Company Administrator may contact us after that day at 855.513.3920.

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OUT OF BAND AUTHENTICATION • •

Out of Band Authentication (OOBA) is the security method used to identify that you are logging in. You must select to either be contacted at the phone number we have on file for you or by text message. During your first login to BeB, your browser will be registered after you have been verified using OOBA.



For increased security, Secure Access Codes will no longer be sent to an email address and a Challenge Code will no longer be used. OOBA codes will be generated by voice or text only.



With BeB, foreign phone numbers will be available to receive the OOBA codes.



If your Company has multiple users and currently uses a hard token to approve transactions, you will be setup to use OOBA. If you wish to continue to use a token versus OOBA, please contact us and we will re-assign tokens to each of your users. Your existing tokens will no longer function after 3:00 p.m. PT on May 13, 2016.

NOTE: Please be sure your contact numbers are current. If changes are needed, please update your contact information by calling BeB support at 855.513.3920

ACCOUNT TRANSACTION HISTORY •

BeB will provide ninety (90) days of your account transaction history to you after this change.



If you are enrolled in eStatements you will receive a partial statement for each account noting transactions and ending balance through May 13, 2016.



We recommend that you download your transaction history prior to May 13, 2016, for easy reference.



You may also contact one of our branches for copies of your account statements, as needed.



Loan account history will not appear until May 17, 2016.

ELECTRONIC STATEMENTS •

If you are currently enrolled in eStatements, your future eStatement(s) will be available after May 23, 2016.



Your enrollment is carried over automatically and there is no need to reenroll in the e-Statement program.

• •

If you choose not to enroll in eStatements, your paper statement will continue to be mailed to you. We recommend you download eStatements prior to May 13, 2016, for future reference.



You may also contact one of our branches for copies of your account statements, as needed.



If you are not currently enrolled in eStatements, this is a great time to do so.

Please note: If you are currently viewing text statements online and receiving a paper statement, you will need to download these statements as this will not be available after Friday, May 13, 2016. You will be able to enroll in eStatements for future account statements.

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INTUIT SERVICES – QUICKBOOKS/QUICKEN Intuit aggregation services will be interrupted for up to 3-5 business days starting May 13, 2016. Intuit product users are encouraged to download a QFX/QBO file during this outage. The following services will not work during the outage: •

Quicken Win/Mac Express Web Connect

• •

QuickBooks Online (QBO) Mint (Please do not open Mint for 3-5 business days after the conversion to ensure the Mint product is properly updated.)

We will provide detailed instruction guides on our website under Online Banking for Quicken/QuickBooks users to reconnect to BeB on May 18, 2016.

INTERNAL ACCOUNT TRANSFERS •

Pending transfers scheduled in VIPbanker™ through May 13, 2016 will be processed on May 13, 2016 by VIPbanker™.



Any scheduled recurring and future dated transfers in VIPbanker™ will not be converted and need to be reestablished in BeB.



Please contact us if you need to retrieve this information.

STOP PAYMENTS •

You can add or delete stop payments; however, you must verify within your transaction history that the item being stopped has not been previously paid.

ONLINE BILL PAYMENT •

Your payees, payments, and recurring payments will be automatically transferred to the new Bill Payment service.



Bill Payment history will not be converted. We recommend that you download your transaction history prior to May 13, 2016, for future reference.



If you are receiving E-Bills from your utility bills or credit cards through online banking, this will be discontinued nd May 2 ; this will ensure your payees can process the cancellation before you can re-establish E-Bills on or after May 16, 2016 with the new Bill Payment service.



Any outstanding checks issued by our current Bill Payment provider that have not been negotiated by the payee after ninety (90) days will be refunded to you electronically. After conversion Bill Payment can be completed until 6:00 p.m. PT and will be processed the following business day.

• •

If you have more than one account setup for Bill Payment, we ask that you review the funding account prior to sending a payment.



Any alerts currently established for Bill Payments will not convert to BeB. Please review your alerts and reestablish them on or after May 16, 2016. All existing electronic payments to individuals will convert to electronic Bill Payment.





Email recipient payments are no longer available; you will need to reestablish the recipient as a new payee in Bill Payment on or after May 16, 2016.

ONLINE BILL PAYMENT PROCESSING After May 13, 2016 any Bill Payment check that is issued will be drawn directly from your checking or money market account. The debit from your account will occur when the payee negotiates the check. For electronic payments, the funds will be withdrawn from your account on the processing date of the payment. 3

ONLINE BILL PAYMENT LIMITS •

For Bill Payments: o o

o

Check/Electronic Payments: $100,000 per transaction / $100,000 per day. Email Payments are no longer an option.  These payments would need to be setup as a Bill Payment. st  We recommend not scheduling any payments after May 1 with the existing Bill Payment service, since they may not be able to complete the funding process. Account-to-Account Payments are no longer an option.  These payments would need to be setup as a new payee in Bill Payment.

POSITIVE PAY Positive Pay will now be fully integrated with BeB allowing you direct access to nighty uploads and daily exception reviews. All outstanding items from January 1, 2014 through May 13, 2016 will be converted to BeB. We recommend th you download a listing of outstanding issued items or any reports to retain for your records prior to May 13 . If you currently have a user that does not login through VIPbanker™, those users will need to be established in BeB on or th after May 16 .

REMOTE DEPOSIT CAPTURE There is no change to your Remote Deposit service. You will need to login separately and we will send a secure message through VIPbanker™ to the Company Administrator that includes the Company ID and their username for Remote Deposit before May 13, 2016 or the Company Administrator may contact us at 800-350-3557, option 3. The Company Administrator in Remote Deposit has the ability to provide username and reset passwords for any user that does not remember their login credentials. There will be a link available in BeB under Account Services to connect to Remote Deposit.

ACH Templates: During the preview period, please verify established ACH Template information. If you made any rd th changes to your ACH Templates in VIPbanker™ from April 23 to May 13 you will need to make those same changes in BeB. The ACH templates will automatically have a funding account prefilled and should be verified prior to initiating an ACH transaction or file. Recurring Transactions: Any scheduled recurring and future dated ACH transactions in VIPbanker™ will not be converted and need to be reestablished in BeB. Please contact us if you need to retrieve this information. Tax Payments: This option is no longer available without utilizing our ACH Module. We recommend using the Electronic Federal Tax Payment System (EFTPS) which is provided by the U.S. Department of the Treasury and using specific State Websites to initiate these payments at no cost after you have enrolled. If you are currently th approved for ACH Credit Origination, you may make these payments in an ACH file effective May 16 . If you will be submitting your payments in an ACH file, please contact the specific Agency for electronic payments submission requirements. EFTPS:

State of California Franchise Tax Board:

https://www.eftps.gov/

https://www.ftb.ca.gov/online/payment_choices.shtml

800.555.4477

916.845.0353

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WIRES Templates: During the preview period, please verify your wire template information. If you made any changes to rd th your wire templates in VIPbanker™ from April 23 to May 13 you will need to make those same changes in BeB. The wire templates will have a funding account number prefilled and should be verified prior to initiating a wire. Recurring Transactions: Any scheduled recurring and future dated wire transactions in VIPbanker™ will not be converted and must be re-established within BeB. Please contact us if you need to retrieve this information. Recipients: If you have a recipient that is not saved within a template, their information will not be converted. Please contact us if you need to retrieve this information

ALL USERS: FIRST TIME LOGIN INSTRUCTIONS 1.

You will enter the assigned Company ID and the same Login ID that you use today. Enter your Login ID in lower case letters.

2.

You must then enter a temporary password. The temporary password will be PwB and the last 6 digits of the company Tax Identification Number (no space and it is case sensitive). Temporary Password example: PwB###### For security reasons, your VIPbanker™ password will not be converted over to BeB.

3.

The system will display a One-Time Security Code page, click on “Continue with Security Code” and you will select your preferred method (voice or text) to immediately receive a one-time Security Code. Voice Delivery Method Answer the phone as you normally would when the call arrives. You will then be prompted to make a selection to enter in the code. You will be required to say or input the code that will be displayed on the screen. The system will not save a code on voicemail, so if you miss the call you must click the sentence on the bottom stating “I didn’t receive a phone call”, to repeat the request. Text Delivery Method You will be required to input your cell phone number (this number must be listed in your profile. See below for instructions to contact us for updating contact information). You will then receive a text with the security code. Once received, you will need to input the code into your computer.

Note: Please be sure your contact numbers are current. If changes are needed, please update your contact information by contacting BeB support at 855.513.3920 You will then be prompted to establish and confirm a new password.

PASSWORD REQUIREMENTS It is very important to choose a strong password! •

Passwords must be a minimum of eight (8) characters in length.



Passwords must include at least one alpha character and at least one number.



A special character may be included, but is not required.



Your user ID and password cannot be the same.

After you have successfully logged in to the system, online help is available in the upper right hand corner to assist with navigating the various system features.

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Some new features are highlighted below: • •

Each user may customize their homepage with what is most important to them. User entitlements are much more defined.



Enhanced report features and multiple output format offerings are now available including BAI2.



Enhanced alert options are available.



Additional security options are available.



You will have the ability to approve multiple transactions at once.



All statements can be downloaded in a single step.



Much more….

BEB CONVERSION SUPPORT 855.513.3920 Effective May 2, 2016 through July 31, 2016, this number is dedicated to assist you with any questions regarding BeB Services. This support is available from 5:00 a.m. to 6:00 p.m. PT, Monday through Friday; excluding holidays.

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Preview Period Guide May 2, 2016 – May 13, 2016

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OVERVIEW OF PREVIEW PERIOD The Business eBanking (BeB) Preview Period is the time prior to our live conversion date where you have the capability to access the system, familiarize yourself with the navigation and system features, set up personal settings and verify your banking information. Business Bill Payment, eStatement, Remote Deposit and Positive Pay features will not be available in the Preview Period.

1. ADMINISTRATION Pacific Western recommends that the Company Administrator perform the following administrative maintenance during the preview period: •

Review/create/update all BeB users and their service entitlements, account entitlements, and limits (Administration tab / Company Administration / Manage Users).



Review/update user phone numbers (Administration tab / Company Administration / Manage Users – select User ID and navigate to Edit Contact Information). Review Account Numbers and change Account Descriptions, if desired (Administration tab / Company Administration / Manage Account Information).



o • •

Note: only users with an administrative role can view the full account number in the “Manage Account Information” section. All non-Administrative users do not have access to the full account number.

Set Company Approval Levels (Administration tab / Company Administration / Manage Approval Settings). Familiarize themselves with the various BeB “roles” and capabilities of each: o o o

Allow this user to setup templates – entitles the user to template setup capabilities for only those services and accounts to which the user has been entitled. Allow this user to approve transactions – entitles the user to transmit capabilities for only those services to which the user has been entitled. Grant this user administration privileges – allows the user to add, modify, copy and delete users, modify their roles, services and account access, rename accounts, and modify the number of approvers required for requests.

2. ALL USERS Pacific Western recommends all users perform the following maintenance during the preview period: 

If you have been assigned a new token, you will need to set an eight (8) digit PIN prior to using the token. Follow the instructions provided with your token.  Review and update phone numbers and email addresses (Administration tab / Self Administration /Personal Preferences).  Set up any desired Alerts (Administration tab / Communications / Manage Alerts).  Verify service and account access, and report any discrepancies to the BeB Company Administrator.  Verify ACH and wire templates and update BeB with any maintenance related changes done in VIPbanker™ (if applicable).  Familiarize yourself with BeB by navigating through the system.

BeB Conversion Support 855.513.3920 Effective May 2, 2016 through July 31, 2016, this number is dedicated to assist you with any questions regarding BeB Services. This support is available from 5:00 a.m. to 6:00 p.m. PT, Monday through Friday; excluding holidays. 8

3. SERVICE FEATURE AVAILABILITY Will it appear in menu

Is data available

Can user attempt to create/submit transactions

What happens if transaction attempted

BeB recommended activities

Welcome Page/Dashboard

Yes

No

N/A

N/A

Set up Dashboard Panels

Internal Account Transfer

Yes

No

Yes

Error msg.: “Required setup for this service is incomplete”

None

Loan Service

Yes

No

No

N/A

Review account numbers (BeB Administrator only)

Wire Service

Yes

Yes – template information only

Yes – create/submit transaction Yes – schedule transaction

Transactions are sent to bank queue but will not be processed

Review, add, update, delete templates (as necessary)

ACH Service

Yes

Yes – template information only

Yes – create/submit transaction Yes – schedule transaction

Transactions are sent to the bank queue but will not be processed

Review, add, update, delete templates (as necessary)

ACH File Upload

Yes

No

Yes

File is uploaded to BeB but will not be processed

None

Stop Payment

Yes

No

Yes

Transaction will not be processed

None

Account Reporting

Yes

No

No

N/A

Verify accounts loaded to BeB (only BeB Administrator can view full account number through Administration tab)

Positive Pay

No

No

No

N/A

None

Feature

*Note: the Company Administrator will be able to entitle the user to the Positive Pay service beginning on the live date 05/16/2016. eStatements

No

No

No

N/A

None

Bill Pay

No

No

No

N/A

None

*Note: the Company Administrator will be able to entitle the user to the Bill Pay service beginning on the live date 05/16/2016.

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