Banner Bank Business Online Banking eGuide

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10-19-26

Business Online User Guide

Published by Murphy & Company, Inc. 13610 Barrett Office Dr

St. Louis, MO 63021 www.mcompany.com

© 2009-2026 Murphy & Company, Inc. Microsoft, Microsoft Money, Windows and Internet Explorer are registered trademarks of Microsoft Corporation. Firefox is a registered trademark of the Mozilla Foundation. Quicken is a registered trademark of Intuit, Inc. Macintosh is a registered trademark of Apple Computer, Inc. Adobe Reader is a registered trademark of Adobe Systems, Inc. © 2012 Portions of this guide were written by Q2eBanking. Disclaimer Concepts, strategies and procedures outlined in this guide can and do change and may not be applicable to all readers. The content in this guide is not warranted to offer a particular result or benefit. Neither the author, publisher nor any other party associated with this product shall be liable for any damages arising out of the use of this guide, including but not limited to loss of profit, commercial, special, incidental or other damages. For complete product and service information, please refer to the terms, conditions and disclosures for each product and service.

Getting Started

Welcome to Business Online with Banner Bank. Whether at home or at the office, from a mobile phone, tablet or laptop, we strive to make your Business Online experience easy and convenient. By adding nimble commercial products and features, Banner Bank provides you with the tools your business needs to help achieve your financial goals. You can navigate this guide by clicking a topic or feature in the Table of Contents. Each section provides an overview and steps to help you during the online banking process. If you have additional questions, contact Banner’s Treasury Management Support team at 877-856-7933.

Table of Contents Getting Started

Business Online Overview ...........................................................................................7 Logging In.......................................................................................................................9 Logging Off ............................................................................................................................. 9 Resetting A Forgotten Password...............................................................................10 Virtual Security Tokens...............................................................................................12 How to Install Verisign Symantec VIP ................................................................................ 13 Home Page Home Page Overview .................................................................................................14 Account Summary Overview .............................................................................................. 16 Account Details Overview ..........................................................................................17 Quick Transfer.............................................................................................................19 Account Nickname......................................................................................................20 Account Grouping.......................................................................................................21 Editing a Group Name......................................................................................................... 22 Deleting a Group.................................................................................................................. 22 Security Protecting Your Information......................................................................................23 Security Preferences...................................................................................................26 Change Password ................................................................................................................ 26 Change Login ID ................................................................................................................... 27 Secure Delivery .................................................................................................................... 28 Mobile Security Preferences......................................................................................29 Enabling Touch ID or Fingerprint Login ............................................................................ 29 Enabling Face ID................................................................................................................... 31 Enabling Passcode Authentication .................................................................................... 32 Disabling Passcode Authentication, Touch ID/Face ID or Fingerprint Login............................................................................................................. 33 Alerts Overview ...........................................................................................................34 Account Alerts ...................................................................................................................... 35 History Alerts........................................................................................................................ 36 Non-Online Transaction Alerts........................................................................................... 37 Online Transaction Alerts ................................................................................................... 38 Reminder .............................................................................................................................. 39 Security Alerts Overview ............................................................................................40 Edit Delivery Preferences.................................................................................................... 40 Secure Message Overview .........................................................................................41 Sending a Secure Message ........................................................................................42

Transactions Funds Transfer ............................................................................................................43 Loan Payments............................................................................................................45 Activity Center Overview ............................................................................................46 Using Filters .......................................................................................................................... 47 Creating or Deleting Custom Views Using Favorites ....................................................... 47 Editing Transactions ............................................................................................................ 48 Canceling Transactions ....................................................................................................... 49 Commercial Services Manage Users Users Overview ...........................................................................................................50 User Management Overview.............................................................................................. 51 Adding a New User ............................................................................................................. 52 Part 1 of 5: Establishing Transaction Type Rights ............................................................ 53 Part 2 of 5: Disabling a Transaction Type ......................................................................... 54 Part 3 of 5: Editing Approval Limits for a Transaction Type ........................................... 55 Part 4 of 5: Establishing Rights to Access Features.......................................................... 56 Part 5 of 5: Establishing Rights to Access Accounts......................................................... 57 Editing an Existing User’s Rights ...............................................................................58 Admin Password and Login Reset ............................................................................59 Deleting a User............................................................................................................60 Recipient Management Recipient Overview .....................................................................................................61 ACH Only - Part 1 of 2: Adding a Recipient ....................................................................... 62 ACH Only - Part 2 of 2: Recipient Account Detail ............................................................. 63 ACH & Wire - Part 1 of 4: Adding a Recipient.................................................................... 64 ACH & Wire - Part 2 of 4: Beneficiary FI Detail.................................................................. 65 ACH & Wire - Part 3 of 4: Intermediary FI Detail .............................................................. 66 ACH & Wire - Part 4 of 4: Recipient Account Detail.......................................................... 67 Wires Only (Domestic) - Part 1 of 4: Adding a Recipient ................................................. 68 Wires Only (Domestic) - Part 2 of 4: Beneficiary FI Detail ............................................... 69 Wires Only (Domestic) - Part 3 of 4: Intermediary FI Detail ............................................ 70 Wires Only (Domestic) - Part 4 of 4: Recipient Account Detail ....................................... 71 Editing a Recipient ......................................................................................................72 Editing a Recipient’s Templates.......................................................................................... 73 Deleting a Recipient....................................................................................................74

ACH and Domestic Wire Payments Payment Template Overview ....................................................................................75 Creating a Template ...................................................................................................76 ACH Batch ............................................................................................................................. 77 ACH Collection...................................................................................................................... 79 ACH Payments...................................................................................................................... 81 ACH Receipt .......................................................................................................................... 83 Domestic Wire ...................................................................................................................... 85 Payroll.................................................................................................................................... 87 Sending a Single Payment..........................................................................................89 ACH Batch ............................................................................................................................. 89 ACH Payment........................................................................................................................ 92 ACH Collection...................................................................................................................... 94 ACH Receipt .......................................................................................................................... 97 Domestic Wire ...................................................................................................................... 99 Payroll................................................................................................................................. 101 Splitting a Payment........................................................................................................... 103 Viewing, Approving or Canceling a Transaction................................................... 104 Single Transaction............................................................................................................. 104 Multiple Transactions....................................................................................................... 105 Editing or Using a Template ................................................................................... 106 Deleting a Template ................................................................................................ 107 Tax Payments ........................................................................................................... 108 Payment From File................................................................................................... 110 ACH Pass-Thru.......................................................................................................... 112 Services Statements................................................................................................................ 113 Text Enrollment........................................................................................................ 114 Stop Payment Request............................................................................................ 115 Reordering Checks................................................................................................... 116 Open a New Account............................................................................................... 117 Change of Address................................................................................................... 118 Settings Account Preferences ............................................................................................... 119 Locations Branches and ATMs................................................................................................. 120

Getting Started Business Online Overview

No matter the size or complexity of your business, Business Online can efficiently serve your needs. Your first step will be to determine who at your business should have access to Business Online, and then their level of system access. If you will be processing online payments, you will need to establish recipients for those transactions. After setting up these key entities, you can jump right in and start your Business Online experience! Users If your business only needs one person with access to Business Online, you can set up a single login ID and password. While Business Online makes a number of reporting and security features available, you decide which ones are appropriate for your company. Recipients Recipients are individuals or businesses to whom you send money using one or more payment features offered through Business Online. After creating a recipient profile, you can then choose the method to send them a payment along with the respective transaction details. Each recipient profile created can be saved to facilitate future payments to the same individual or business.

Getting Started: Business Online Overview

Various types of payment methods are offered through Business Online, including ACH and wire transfers. Both offer safe and efficient electronic payments, and can be used to make same day payments as needed. Please contact us at 877-856-7933, or by email at treasurymanagement@ bannerbank.com if you have any questions regarding ACH or wire processing. You’ll find the deadlines for payment transactions posted on your Home Page within Business Online. Business Payment Transaction Types Available (Note: your company may not have elected to use all of the payment types available.)

Type

Description

Upload a NACHA-formatted file.

ACH Pass-Thru

ACH Payment

Send a payment to one recipient.

ACH Batch

Send a payment to several recipients.

ACH Receipt

Receive a payment from one recipient.

ACH Collection

Receive a payment from several recipients.

Domestic Wire

Send a wire to a recipient within the US.

Send a wire to a recipient in a different country in either US dollars or a foreign currency using Banner’s international wire application. Send payroll to several recipients. If a recipient has more than one account, you can split that payment into several accounts.

International Wire

Payroll

Send federal, state or local tax authority

Tax Payment

payments.

Getting Started: Business Online Overview

Getting Started Logging In

Once your company has been enrolled in Commercial Online, logging in is easy and only requires your login ID, password and Symantec Token credentials. If you are logging in using a device that you have not previously registered, you will need to request a Secure Access Code (SAC).

1. On our Home page select Business and then Business Online Banking from the Online Banking drop-down. 2. Click the Sign In button. 3. Enter your login ID and password. 4. Click the Log In button. Note : If you enter an incorrect password too many times, your account will be temporarily locked. Please see your Administrator for assistance or contact us for support. Logging Off For your security, you should always log off when you finish your online banking

session. We may also log you off due to inactivity. 1. Click the Log Off tab in the navigation menu. 2. Close your internet browser.

Getting Started: Logging In

Getting Started Resetting A Forgotten Password

If you happen to forget your password, you can easily reestablish a new one from the Banner Bank Home page—no need to call us!

1. Click “ Forgot your password? ” to reset your password. 2. Enter your login ID and click the Submit button.

Note : You may not be able to change your password if your account is locked or if you are resetting your password from an unregistered device.

Getting Started: Resetting A Forgotten Password

3. Choose the contact method that allows Banner Bank to reach you immediately with a 6-digit Secure Access Code (SAC). 4. Enter the SAC and click the Submit button. 5. Create a new password based on our password requirements (see screenshot above) and click the Submit button when you are finished.

Getting Started: Resetting A Forgotten Password

Getting Started Virtual Security Tokens

To ensure the safety of your ACH and wire transactions, security tokens are required to authenticate and authorize these transactions when using Banner Bank’s Business Online Banking. Banner Bank employees will never ask you for your credential ID or security code. Virtual security tokens are easy to use and compatible with most smart phones or mobile devices. We require the Verisign Symantec.VIP virtual security token application to be used with Business Online Banking. About the App: • The app displays a unique CREDENTIAL ID at the top of your screen and a six digit SECURITY CODE below that refreshes every 30 seconds. • When approving ACH and wire transactions in Business Online Banking, you will be prompted to enter this security code to complete each transaction. • The first time approving a transaction you will be prompted to input a second six digit code. • Multiple transactions can be approved using a single Security Code.

Getting Started: Virtual Security Tokens

How to Install Verisign Symantec VIP

1. From your preferred App Store search for ‘VIP ACCESS’ OR enter m.vip. symantec.com in your mobile device browser. 2. Complete the download to your mobile device. 3. After downloading the app, contact our Banner Bank Treasury Management Support. 4. The first time, you will be prompted to provide the Credential ID from the app. This will link your app with your Business Online Banking Login ID. 5. You are ready to authorize ACH or wire transactions using the token application.

Note : If you are unable to use a smart phone or mobile device to download the virtual security token app, please contact us at 800 272-9933.

Getting Started: Virtual Security Tokens

Home Page Home Page Overview

After logging in, you are taken directly to the Home page. This page is divided into three convenient sections to help you navigate to every feature within Business Online. Here you can view the balances in your Banner Bank accounts, see your account summaries and more! G D A E C B

Note : The letters correspond to several available features on the Home page.

Home Page: Home Page Overview

A. The navigation bar appears in every view on the left side of the screen. You can navigate to Online Banking features by selecting the appropriate drop-down tab. B. Your Banner Bank accounts are displayed in an account card with its balance. C. If you click an account name, you are taken to the Account Details page. You can also click the icon on the right side of an account card and select View Activity for more details. D. The icon allows you to print a summary of current available funds in your accounts. E. You can expand or collapse account details by clicking the icon. F. If you click and hold an account card, you can drag and drop it to a new location to change the order in which your accounts appear. G. The Quick Actions links in the top right corner let you quickly access different online banking features.

Home Page: Home Page Overview

Account Summary Overview If you ever need to quickly assess how much money is in all of your accounts, you can scroll down to the Account Summary graphic on the Home page. This interactive chart represents your total assets, represented by specific colors and percentages.

A. The Total Assets widget gives you the total amount of money in your accounts and breaks down those funds into percentages. B. Each colored piece represents one of your Banner Bank accounts and displays its percentage of total funds as well as the balance. C. Clicking "Next" or "Previous" lets you view different accounts and details. D. You can click the "View Transactions" link for more information.

Home Page: Home Page Overview

Home Page Account Details Overview

Selecting a Banner Bank account on the Home page takes you to the Account Details page, where you can view every transaction pertaining to that account. From here, you can view details such as type of transaction, check images and account balances so you stay organized and on top of your finances.

C D E F G

Home Page: Account Details Overview

are sorted. A. On the Home page, you can click on an account name to view the Account Details screen. B. The current and available balances of that account displayed in the top right corner. C. The icon opens the search bar to find transactions with that account. D. Transactions can be sorted by time and date, type, amount or check number. Click the icon for more options. E. Make a quick transfer by clicking the icon. See page 19 for additional details. F. Export your transactions into a different format by clicking the icon. G. The icon lets you send a secure message about that account or print a list of transactions. H. The icon indicates how the Date, Description and Amount columns I. You can view more details about a transaction by clicking on it. J. The icon lets you open the transactions to see additional details or print the details of that transaction.

Home Page: Account Details Overview

Home Page Quick Transfer

No need to run to a branch to move money from one account to another! If you’re ever in a rush, the Quick Transfer option provides you with a simple way to do those transactions.

1. Click the

icon on the right side of an account card and select Quick

Transfer. 2. Use the “From” and “To” drop-downs to choose an account to send and receive the funds. 3. Enter an amount to transfer. 4. (Optional) Click the Advanced Options button to be redirected to the Funds Transfer feature. 5. Click the Transfer Funds button when you are finished.

Home Page: Quick Transfer

Home Page Account Nickname

Change an account’s nickname directly from the home page.

1. Click the

icon on the right side of an account card and select Nickname

Account. 2. Enter a global and/or personal account nickname. The global nickname changes the account name for all users who don’t have their own nickname set for this account. Your personal nickname for this account is only visible to you. 3. Click the Save button when you are finished. Home Page: Account Nickname

Home Page Account Grouping

You can organize your internal and linked accounts into groups, so the Home page appears in a way that makes sense to you. These groups can always be changed or deleted to meet your needs.

1. Create a new group by clicking and holding an account tile, then dragging and dropping it to the pop-up icon. 2. Create a group nickname and click the check mark when you are finished.

Home Page: Account Grouping

Editing a Group Name The names of existing groups can be edited in just two easy steps.

1. Click the icon to edit your group nickname. 2. Enter a new name and click the check mark when you are finished. Deleting a Group After a group is made, you can reorganize the Home page by deleting a group without removing those accounts from the Home page.

1. Remove all accounts from a group by clicking and holding an account tile and dragging it to another group and dropping it. 2. Click the Yes, delete button to delete the group.

Home Page: Account Grouping

Security Protecting Your Information

Can we talk for a few minutes about protecting your business from cyber-fraud? Here at Banner Bank, we do all we can to protect your financial information in order to provide your business with a dependable online experience. However, all businesses must be aware of the computer-related crimes affecting them and how to protect themselves. We rely on our partnership with you to ensure the necessary precautions are taken to protect the safety of your business accounts. The Federal Deposit Insurance Corporation (FDIC) provides cybersecurity information for businesses on how to safeguard their computer systems and data. The FDIC and Banner provide the following tips to ensure your Business Online experience is efficient and secure: Protect computers and networks. Install security and antivirus software that protects against malware, or malicious software, which can access a computer system without your consent for a variety of uses, including theft of information. Do not leave your computer unattended when using Business Online. When in doubt—log out! Require strong login IDs and passwords. Ensure employees and other users connecting to your network use strong user IDs and passwords for computers, mobile devices and online accounts: • Create strong passwords by using a mixture of upper and lowercase letters, numbers and special characters. • Do not create passwords using initials or birthdates. • Change passwords regularly. • Memorize passwords instead of writing them down. • Only register personal devices and avoid using features that save login IDs and passwords. • Employees should not connect to Business Online using the same login IDs and passwords they use to connect to social media such as Facebook—a frequent data gathering platform for cyber criminals. Control access to data and computers and create user accounts for each employee. Take measures to limit access or use of business computers to authorized individuals. Do not allow employees to access social media from the same computers they access Business Online.

Security: Protecting Your Information

Teach employees the basics. Establish security practices and policies for employees, such as appropriate Internet usage guidelines, and set expectations and consequences for policy violations. Train employees to be careful where and how they connect to the Internet. Employees and third parties should only connect to your network using a trusted and secure connection. Do not access Business Online via a shared public Wi-Fi network. Implement dual control procedures; use of security tokens. When processing high-value transactions such as ACH and wires, there is safety in numbers; have one employee initiate the transaction and a different employee confirm and transmit the transaction. Having a separate set of eyes reviewing a transaction before it heads out the door helps to deter fraudulent activity. Dual control can be enforced in Business Online to ensure transactions are processed and approved by two different users. In addition, Banner Bank utilizes security tokens to add an additional level of authentication to ACH and wire transactions. Users are required to enter a unique code from their security devices in order to approve and transmit ACH and wire transactions. Implement Positive Pay services. Positive Pay services are effective tools offered by Banner’s Treasury Management team to assist businesses in identifying check and ACH transactions that may be fraudulent. You provide us with a file of the checks you have issued, and we will compare the items attempting to clear your account against that list. Any mismatches detected will be presented to you for review and to determine whether the items should be paid or returned. ACH items are presented as they attempt to clear your account and you determine if the items are valid and should be paid or returned. You also have the opportunity to add any companies presenting valid ACH items to your approved senders list. Positive Pay services are conveniently accessed through Business Online and do not require a separate application. For more information regarding Positive Pay services please contact Banner’s Treasury Management Services team at 877-856-7933. Train employees about the dangers of suspicious emails. Employees need to be suspicious of unsolicited emails asking them to click on a link, open an attachment, or provide account information. Employees should also validate all internal requests for wiring funds received via email to ensure the request is properly authorized. Cyber criminals are adept at creating email requests that appear to be coming from within a company from authorized personnel. When in doubt, employees should be encouraged to ask for assistance in evaluating the source and content of any emails that raise a red flag.

Security: Protecting Your Information

Patch software in a timely manner. Software vendors regularly provide patches or updates to their products to correct security flaws and improve functionality. Passing up a software patch could put your computers at risk of unwanted intrusion. Unpatched software can provide entry to viruses and malware developed specifically by cyber criminals to exploit such weaknesses. Pay close attention to bank accounts and watch for unauthorized withdrawals. Put in additional internal controls, such as confirmation calls before financial transfers in Business Online are transacted. If not using Positive Pay, review account activity daily to ensure you have adequate time to request the return of an unauthorized transaction. Use Security Alert features in Business Online. Security Alerts are available in Business Online to help you track unusual account activity. Ex. Balance Alerts can tell you and other users when an account balance goes below a target amount, indicating unauthorized activity may have occurred. You can choose to be alerted when transactions over a certain dollar amount are occurring in an account, especially when those dollar amounts would be unusual, another indication that further investigation of the account activity is warranted. Don’t forget about tablets and smartphones. Mobile devices can be a source of security challenges, especially if they hold confidential information or can access your business’s network. Of special concern is allowing employees to access Business Online functions using their personal devices. Although convenient, it does add additional risk. Watch out for fraudulent transactions and bills. Scams can range from payments with a worthless check or fake credit or debit card to fraudulent returns of merchandise. Make backup copies of important systems and data. Regularly backup the data from computers used by your business. Better to be safe than sorry. Education is key. To learn more about protecting your business, visit bannerbank.com and click on the Business Solutions/Services/Fraud Prevention tab to access important publications.

Security: Protecting Your Information

Security Security Preferences

We take security very seriously at Banner Bank. Because of this, we have added various tools to help you better protect your account information. You can add and manage these features in Security Preferences to strengthen your online banking experience.

Change Password When you need to, you can change your password within Business Online Banking. We recommend that you change your password regularly and follow our guidelines for creating a strong password.

In the Settings tab, click Security Preferences . 1. Click the Change Password button.

2. Enter your old password. 3. Create a new password. 4. Reenter your new password. 5. Click the Change Password button when you are finished making changes.

Security: Security Preferences

Change Login ID You can also change your login ID at any time. To ensure that you create an effective login ID, create an ID that you will remember and that follows our required guidelines.

In the Settings tab, click Security Preferences . 1. Click the Change Login ID button. 2. Enter your new login ID. 3. Click the Save new Login ID button when you are finished making changes.

Security: Security Preferences

Secure Delivery Banner Bank verifies your identity using Secure Access Codes (SACs), which are numbered codes that are sent to you by email, phone or text. Within Security Preferences, you can make changes to your delivery preferences or add new ways we can contact you.

In the Settings tab, click Security Preferences . 1. Click the Secure Delivery button. 2. Make changes to a secure delivery method by clicking the

icon to make

changes or the

icon to delete a secure delivery method.

3. Enter your new contact information and click the

icon when you are

finished to save your changes. 4. Add a new delivery contact by clicking either the New Email Address , New Voice Number or New Text Number button at the bottom of the page.

Security: Security Preferences

Security Mobile Security Preferences

Within Banner Bank’s Online Banking app, you have the ability to set up security preferences that are not available on a desktop computer. These additional preferences make signing into your Online Banking quick and easy but also adds an extra layer of security to your private information while you are on the go! Enabling Touch ID or Fingerprint Login Touch ID and Fingerprint Login are features that have fingerprint recognition technology that allows you to unlock your iOS or Android device, using just your fingerprint. With this feature enabled, you can now easily and securely sign in to your Online Banking using Touch ID or Fingerprint Login on our mobile app!

iOS

Touch ID/Face ID

Android

Sign in to Banner Bank’s Online Banking app and tap the Menu button. In the Settings tab, tap Security Preferences . 1. Toggle the Touch ID/Face ID or Fingerprint Login switch from “Off” to “On.” 2. Review the information about using fingerprint authentication and tap the Continue button. 3. Enter your login ID and password and tap the Authorize button.

Note : You must have Touch ID or Fingerprint enabled on your mobile device before enabling it through our Online Banking app.