Online Banking - NetTeller TMS Cash Manager Guide

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Table of Contents Cash Manager ............................................................................................................................................... 4 Login Process............................................................................................................................................. 4 First Time Login ..................................................................................................................................... 4 Subsequent Logins ................................................................................................................................ 8 Company Administrator Activities ............................................................................................................ 9 Creating a Cash User ............................................................................................................................. 9 Resetting Cash User Password ............................................................................................................ 12 Modifying Cash User Permissions ....................................................................................................... 13 Deleting a Cash User ........................................................................................................................... 13 ACH.......................................................................................................................................................... 14 Creating a Batch .................................................................................................................................. 14 Manually Creating a Batch .................................................................................................................. 15 Establishing Import Layout.................................................................................................................. 17 Importing Transactions to a New Batch .............................................................................................. 19 Importing Transactions to an Existing Batch....................................................................................... 20 Initiating a Batch ................................................................................................................................. 21 Prenote Transactions .......................................................................................................................... 25 Sending Live Transaction .................................................................................................................... 27 Batch List ............................................................................................................................................. 28 Tax Payments ...................................................................................................................................... 29 ACH History ......................................................................................................................................... 31 Search.................................................................................................................................................. 31 Wires ....................................................................................................................................................... 32 Creating Wire Instructions .................................................................................................................. 32 Editing a Wire ...................................................................................................................................... 36 Deleting a Wire ................................................................................................................................... 36 Wire History ........................................................................................................................................ 38 Reporting ................................................................................................................................................ 38 2

Prior Day Summary ............................................................................................................................. 38 Current Day Summary ......................................................................................................................... 39 Prior Day Detail ................................................................................................................................... 39 Personal Settings..................................................................................................................................... 40 Personal............................................................................................................................................... 40 Account ............................................................................................................................................... 41 Display ................................................................................................................................................. 41 Positive Pay ............................................................................................................................................. 42 Cash User Access ................................................................................................................................. 42 Exception Items................................................................................................................................... 42 Edit Upload Format ............................................................................................................................. 43 Uploading a Positive Pay file ............................................................................................................... 46 Uploading a CSV or Fixed Position....................................................................................................... 46 Open Input Option .............................................................................................................................. 48 Manually Entering a Positive Pay file .................................................................................................. 50 Voiding Issued Items ........................................................................................................................... 52 Alerts ....................................................................................................................................................... 53 Event Alerts ......................................................................................................................................... 53 Balance Alerts ..................................................................................................................................... 53 Item Alerts........................................................................................................................................... 53 Personal Alerts .................................................................................................................................... 53

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Cash Manager Login Process First Time Login The first time a cash user logs in to Online Banking, they use both the NetTeller ID (Company ID) and their Cash User ID. The system then prompts for a Single Sign-On ID and password to be created. This SSO ID replaces the Company ID and Cash User ID and is used with each subsequent login. 1. Enter your 12-digit ID number or (if not a first-time user) Company ID.

2. Enter your password. For first-time login, the password is the four-digit number provided by the bank (usually the last four digits of the TIN).

3. Review Terms & Conditions. 4. Select I agree and click Accept to proceed. Only the first cash user logging in sees this step.

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5. Enter the current password and then the new password twice to confirm accuracy. At first login, you must create a password. If desired, you may change your Company ID. Only the first cash user logging in sees this step.

This ID and password is the Company ID information. All new cash users must use this ID and password at first login. 6. Enter your Cash User ID and Password. Both fields are case-sensitive.

7. Create a password.

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8. Create a Single Sign On ID and password. The Single Sign On ID replaces the original Online ID and Cash User ID. Once a Single Sign On ID is created, you must use your Single Sign On ID and password with each subsequent login.

9. Select a watermark image. The image appears at all future logins and all pages within Online Banking.

For security reasons, you may be asked to select three questions. These questions are used to verify your identity in the future if needed. 10. Click Continue, and then select a question from each drop-down menu and input an answer.

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11. Once you have finished answering your questions, select Submit. Answers are not case-sensitive.

12. Review the selected questions and answers, and then select Confirm.

If needed, edit the answers before clicking Confirm. Once you select Confirm, you cannot modify questions and answers.

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Subsequent Logins 1. Enter the Single Sign On ID you created at first login.

2. Enter your Single Sign On Password.

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Company Administrator Activities Creating a Cash User 1. Select Users from the Cash Manager tab. Click New CM User. 2. Complete user information, limits, and ACH permissions.

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User Name: Name of the cash user. User ID: ID for the cash user. This is not the ID that is used for single sign on (SSO). Administration: Determines whether the user is able to work with company and user settings. o No: Cannot create or edit cash users. Cannot change NetTeller settings. o Yes: Full administrative rights. Can create/edit cash users, change company email address, change account pseudo names, and enroll in ESI and mobile banking. o Partial: Can view company email address, change account pseudo names, and enroll in mobile banking. Cannot create/edit cash users or enroll in ESI. o View: View-only authority. Cannot change any NetTeller settings or users. Password: Establish an initial password for the cash user. Wire Password: Four-digit number needed to transmit a wire transfer to the bank. View Position/Activity Report: Allow the user to view prior day activity report. This report contains information for all accounts linked to the NetTeller ID. Only users with access to all accounts should have access to this report. 9

• Hold User: If selected, the user is unable to log in to NetTeller. • Email Address: User’s email address that only full administrators can modify. • Access Times: Time of day when the cash user can log in to NetTeller. Access times control log in only and do not end an established session.

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ACH Limit: Maximum amount user can initiate per calendar day. Wire Limit: Maximum amount user can transmit per wire. Transfer Limit: Maximum amount user can transfer between accounts per transfer. Display/Download ACH: View batch details and download batch to PDF or NACHA format. Full ACH Control: If selected, allows cash user to take multiple actions within a batch without requiring action from a second cash user. If deselected, dual control is required. Initiate ACH: Send batch to financial institution for processing. Edit ACH: Create/edit ACH batches and transactions. Upload ACH: Upload NACHA files into NetTeller. Delete ACH: Remove ACH batch from NetTeller. Import Transaction: Upload transaction file into NetTeller (CSV, fixed position, tab-delimited). Update Transaction: Upload transaction file into NetTeller to change dollar amount only for matching transactions. Update does not create new transactions. Restricted Batch Access: Allows cash user to flag a batch as restricted and view/work with restricted batches. Any additional cash user with restricted batch access would have access to all restricted batches.

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3. Complete additional settings and account selection.

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Transaction Inquiry: View list of transactions. Statement Inquiry: View available NetTeller statements. Current Day Balance: View current balance and activity totals. Prior Day Balance: View balance and activity totals as of previous business day. Stop Inquiry: View information on existing stop payments. Stop Additions: Enter new stop payments. Define Non-Rep Wires: Create new single wire transfers. Edit Non-Rep Wires: Modify/delete single wire transfers. Define Rep Wires: Create wire templates. Edit Rep Wires: Modify/delete wire templates. Transmit Wires: Initiate wire to financial institution for processing. Full Wire Control: If selected, allows cash user to take multiple actions within a wire without requiring action from a second cash user. If deselected, dual control is required. Bill Payment: Access bill pay module. View Rates: View financial institution’s interest rates enabled. ES: Enroll/un-enroll accounts in ES product. Upload Positive Pay: Upload issued items file. Work Positive Pay Items: Make a decision to pay/return exception items. Transfers: Move money between accounts. Order Checks: Reorder checks if financial institution has functionality enabled.

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4. Complete cash user permissions and limits at the account level (if enabled).

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View Access for Account: Select the account to work with. Edit Access Rights: Modify default access rights for specified account.

Resetting Cash User Password 1. Select Users from the Cash Manager tab. 2. Select User Settings from the Select Option drop-down menu. 3. Enter new SSO password and click Submit.

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Modifying Cash User Permissions 1. Select Users from the Cash Manager tab. 2. From the Select Option drop-down menu, select the settings option that correlates with the change needed. o User Settings: Password, limits, and ACH permissions. o Default Settings: Account activity permissions and account access. o Account Settings: Account activity permissions and limits at the account level. (if enabled) 3. Modify the needed field. For this example, the ACH Limit is increased.

4. Click Submit. 5. Depending on the change made, the cash user may go into a Pending Approval status. Contact the financial institution to approve the user.

Deleting a Cash User 1. Select Users from the Cash Manager tab. 2. Select Delete from the Select Option drop-down menu. 3. Click Delete.

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ACH The ACH module allows you to pay or collect money from individuals or companies. You might send a payroll file or collect monthly dues from your customers. ACH abilities depend on your agreement with the bank. To get started, you must create a batch. A batch serves as a template that you can use on multiple occasions. Once you create the batch, initiate the batch to send that ACH information to the bank. The bank then originates the file.

Creating a Batch There are several ways a batch can be created. If you have software that is able to create NACHA formatted files, you can simply upload the batch. If not, you may use the manual feature and enter the information. A third option is to import, which uses a combination of upload and manual.

NACHA File Upload 1. Select Upload. 2. Click Browse to locate the file. We recommend using a file with a .txt file extension. 3. Click Upload.

4. The status of the file upload appears. Once in an Uploaded status, the batch appears on the batch listing page. A generic batch name generates based on a sequence number. 5. To modify the batch name, select Edit from the drop-down menu.

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Manually Creating a Batch 1. From the main ACH page, select the company for which the batch is being created from the Create a new batch for drop-down menu.

2. Enter batch header information.

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Batch Name: Distinguishes the batch for the benefit of the customer. SEC Code: Type of ACH batch. Company: Company for which the batch is being created. Pre-fills based on the previous step. Company ID: Identification number for the ACH company. Usually the tax ID number of company. Discretionary Data: Purpose of the ACH batch for the benefit of the customer and the financial institution. Entry Description: Purpose of the ACH batch that displays to the recipient. Restrict Batch: Prevents cash users without Restricted Batch Access from viewing/working with the batch.

3. Complete transaction information. Quick Add saves transaction information to the batch. The screen refreshes to allow for the entry of another transaction.

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Name: Recipient of the transaction. ID Number: Identification of the recipient (employee number, etc.). Amount: Dollar amount of the transaction. The transaction amount cannot be zero. Prenote: Click this box to have the system generate a separate prenote batch. A prenote batch contains all transactions in the batch marked as prenote. Addenda Type: If adding addenda to the transaction, select the correct type. Addenda: Enter addenda information if needed. Routing: Enter the receiving financial institution’s routing number. A Search option is available. Account Number: Enter the recipient’s account number. Account Type: Select the type of receiving account. Transaction Type: Select whether the transaction is a credit or debit. Status: Select Active to include the transaction in the batch or Hold to omit it from processing.

Add Multiple Transactions is a quick way to create several transactions at one time.

It allows up to 15 records to be added at a time. Enter name, ID number, ABA number, account number, checking or savings designation, amount, and debit or credit designation.

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Quick Add saves transaction information to the batch. The screen refreshes to allow for the entry of more transactions.

Importing Option The import feature allows a cash user to upload a transaction file. CSV, fixed position, and tabdelimited file types can be imported into NetTeller.

Establishing Import Layout Unlike NACHA files, which have a required format, a CSV, fixed position, or tab-delimited file type does not have a required format. Therefore, transaction information can be placed in any desired order. Indicate the layout of the data according to the type of file being imported. 1. Select Import Layout. 2. Select the type of file being imported. 3. Define where information is located within the file. If the Transaction Code is not known, enter Account Type and Transaction Type. Enter how the Account Type and Transaction Type are defined in file.

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CSV / Delimited (example)

Fixed Position (example)

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Importing Transactions to a New Batch 1. From the main ACH page, select the company for which the batch is being created from the Create a new batch for drop-down menu. 2. Enter batch header information.

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Batch Name: Distinguishes the batch for the benefit of the customer. SEC Code: Type of ACH batch. Company: Company for which the batch is being created. Pre-fills based on the previous step. • Company ID: Identification number for the ACH company. Usually the tax ID number of company. • Discretionary Data: Purpose of the ACH batch for the benefit of the customer and the financial institution. • Entry Description: Purpose of the ACH batch that displays to the recipient. • Restrict Batch: Prevents cash users without Restricted Batch Access from viewing/working with the batch. 3. Select Import Transaction, and then browse for the file.

4. Click Import.

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The status of the transaction upload appears. Once in an Uploaded status, the batch appears on the batch listing page.

Importing Transactions to an Existing Batch 1. Select Import from the Select Option drop-down menu.

2. Select file type and browse for file. 3. Click Import.

The status of the transaction upload appears. Once in an Uploaded status, the transactions appear in the batch.

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Initiating a Batch

Single Batch For ACH companies that require a balanced batch: 1. Select Initiate from the drop-down menu on the batch listing page. Initiate is only available if the batch is balanced.

2. Select the effective date from the drop-down menu (only dates available for selection appear). 3. Click Initiate.

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For ACH companies that require an offset account: 1. Select Initiate from the drop-down menu on the batch listing page. Initiate is only available if the batch has debits only or credits only.

2. Select the effective date from the drop-down menu (only dates available for selection appear). 3. Select the offset account number. 4. Click Initiate.

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Multiple Batches For ACH companies that require a balanced batch: 1. Select the box for each batch to be initiated on the batch listing page.

2. Click Initiate Selected. 3. Select the effective date for each batch, and then click Initiate.

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For ACH companies that require offset account: 1. Select the box for each batch to be initiated on the batch listing page.

2. Click Initiate Selected. 3. Select the effective date for each batch. 4. Select the offset account number, and then click Initiate.

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Prenote Transactions A prenote transaction allows you to send a zero dollar test transaction to verify that the recipient’s account information is correct before sending the actual credit or debit transaction. With NACHA, prenote transactions have specific tran code requirements. Therefore, a normal zero dollar amount transaction cannot be sent. In NetTeller, a prenote is created by adding the transaction to the batch that ultimately includes the transaction. That transaction is then flagged for prenote and in turn, NetTeller creates a separate batch containing the actual prenote transaction.

Creating a Prenote Transaction 1. Select Edit from the drop-down menu for the batch that ultimately contains the transaction.

2. Select Add Transaction.

3. Complete the transaction information. NetTeller does not allow zero dollar transactions. A dollar amount must be entered. If the amount of the transaction is not known, the cash user may enter $0.01. 4. Select Prenote.

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5. Select Hold for the Status field. With Hold selected, this transaction is not included in the batch if it is initiated.

6. Click Submit. The transaction is added to the batch but not included in the totals. On the batch list, a new batch that begins with PNT appears. This indicates that it is the prenote batch that was created by NetTeller. Initiate this batch to send the actual prenote transaction.

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Sending Live Transaction When you are ready to send the actual transaction, release the hold status and edit the dollar amount. 1. Select Quick Edit from the drop-down menu for the batch containing the original transaction.

2. Change the dollar amount and deselect the Held option.

3. Modify the dollar amount of the offset transaction if a balanced batch is required.

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Batch List Displays batches already created/uploaded in NetTeller.

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View: List of transactions within the batch. Download: Export batch to PDF or NACHA file format. Edit: Change or add transactions. Quick Edit: Change transaction dollar amounts and held status. Copy: Clone a batch. Import: Upload new transactions into batch from CSV, tab-delimited, fixed position, or NACHA files. Update: Upload new dollar amount using ID Number as matching field; does not create new transactions. Delete: Remove the batch from NetTeller. If the batch is in initiated status, the batch is also deleted from the financial institution. Initiate: Send batch information to the financial institution for processing.

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Tax Payments Send federal and/or state taxes (if enabled) via ACH. The company must be registered with the EFTPS to use this option.

Federal Tax Payment

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Pay to: Select Federal. Batch: Name to distinguish the batch for the customer’s benefit. Receiving Institution: Click Lookup to select the financial institution that receives payment. Company Name: ACH company. Tax Period: Month and year. Tax Code: Type of tax payment. Taxpayer ID: Company’s EIN number. Payment Amount: Dollar amount of the transaction. Pay from Account: Select the account to debit for the offset transaction. o If the ACH company is set up to initiate balanced batches only, the cash user selects from the accounts they have access to in NetTeller. o If the ACH company is set up to initiate batches by selecting an offset account, the cash user selects from available offset accounts. Tax Information ID 1: enter 1 then enter the Amount designated for Social Security. Tax Information ID 2: enter 2 then enter the Amount designated for Medicare. Tax Information ID 3: enter 3 then enter the Amount designated for Withholding.

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State Tax Payment

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Pay to: Select state. Batch: Name to distinguish the batch for the customer’s benefit. Receiving Institution: Click Lookup to select the financial institution that receives payment. Company Name: ACH company. Tax Period: Month and year. Tax Code: Click Lookup to select the type of tax payment. Taxpayer ID: Company’s EIN number. Amount Type Code: Click Lookup to select the type of amount. Payment Amount: Dollar amount of transaction. Pay from Account: Select the account to debit for the offset transaction. o If the ACH company is set up to initiate balanced batches only, the cash user selects from the accounts they have access to in NetTeller. o If the ACH company is set up to initiate batches by selecting an offset account, the cash user selects from available offset accounts.

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ACH History ACH batches that have been initiated and processed. Click View to see transactions within the batch.

Search Search for and display transactions within all batches that match the desired search criteria.

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Change transaction information if corresponding batch is in a Ready status.

Wires The wires module allows you to send money to an individual or company. Wires abilities depend on your agreement with the bank. To get started, create wire instructions. These instructions can serve as a template that you use on multiple occasions, or you may use it only once. Once the wire has been created, you transmit, sending the information to the bank. The bank then sends out the wire.

Creating Wire Instructions Domestic Wire 1. Select Edit/Add. 2. Select an account from the View Wires for drop-down menu, and then click Add Wire. The account listed in the View Wires for drop-down menu is the account that is debited for new wire.

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3. Complete wire instructions, and then click Submit.

Credit o o o

Account Information Credit Account Number: Account to receive the wired funds. Credit Account Name: Name on the account receiving the wired funds. Credit Account Address: Address of the recipient of the wired funds.

Receiving Bank Information o Receiving Bank ABA Number: Enter the routing number of the financial institution where the wire is to be sent. Click Search for ABA Number to search for a financial institution. Selecting an ABA from the search option populates all remaining Receiving Bank Information fields. o Receiving FI Name: Name of the financial institution where the wire is to be sent. o Receiving FI Address: Address of the financial institution where the wire is to be sent, including City, State, and ZIP where designated. 33

Wire Information o Remarks: Enter information regarding the wire transfer. Comments can include processing instructions, invoice numbers, or any other text/numeric data. o Repetitive Wire/Code: If the wire transfer should be saved as a template, select the check box for Repetitive Wire and assign a repetitive wire code (up to 6 characters). Wires that are not designated as Repetitive are automatically removed from the system once transmitted and processed. o Amount: Dollar amount of the wire.

International/Correspondent Bank Wire 1. Select Edit/Add. 2. Select an account from the View Wires for drop-down menu, and then click Add Wire. The account listed in the View Wires for drop-down menu is the account that is debited for the new wire.

3. Select Click here for International wire input screen.

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4. Complete the wire instructions, and then click Submit. Define New Wire For Operato i ns

@ Cilck here for Domest c wire inout screen

Credi t AccountInformat on

Credit Account Num ber:

123456

Cred it Account Name:

John Doe

Cred it Account Address:

123 Main

Paris,France

Rece ving Bank Informa t on

Receiving Bank ABA Numbe