Bank of Tennessee Business Online Banking Resource Guide

Business Online Banking Resource Guide

Published by Murphy & Company, Inc. 13610 Barrett Office Dr. St. Louis, MO 63021 www.mcompany.com

© 2009-2015 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 are registered trademarks of Adobe Systems Incorporated in the United States and/or other countries. © 2012 Portions of this guide are written by Q2 eBanking. 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.

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Welcome

At Bank of Tennessee, we work hard to provide our members with the financial tools they need to achieve the goals in life that matter. One of those important tools is Online Banking. Our Online Banking system is designed for ease of use. Whether you access it from your desktop, tablet or smart phone, it looks and functions the same across all devices. It is full of powerful features that make it easy to keep track of your finances. We invite you to take a moment to learn more about the anytime, anywhere convenience of Online Banking with Bank of Tennessee.

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Table of Contents

Bank of Tennessee

General Information Security.................................................................................................4 New Enrollment.................................................................................6 Home.....................................................................................................7 Messages Messages.............................................................................................8 Transactions Account Details.................................................................................9 Funds Transfer..................................................................................10 Loan Payments................................................................................11 Activity Center.................................................................................12 View Statements.............................................................................13 Business Bill Pay Overview............................................................................................14 Add a Payee......................................................................................15 E-bills...................................................................................................16 Scheduled Payments.....................................................................17 Automatic Payments.....................................................................18 Change / Cancel Payments..........................................................19 View Bill History...............................................................................20 Commercial Template Overview........................................................................21 Create a Template...........................................................................22 Adding Recipients..........................................................................26 Edit or Delete a Recipient............................................................27 Adding Subsidiaries.......................................................................28 Edit or Delete a Subsidiary..........................................................29 Token Process...................................................................................30 ACH Pass Thru..................................................................................31 Tax Payment......................................................................................32 Mobile Authorizations..................................................................33 Services Stop Payment...................................................................................34 Stop ACH Payment.........................................................................35 Check Reorder..................................................................................36

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Positive Pay Introduction......................................................................................37 Upload Issue File.............................................................................38 Manually Enter a Check................................................................39 Void a Check.....................................................................................40 Managing Exceptions....................................................................41 Reports...............................................................................................42 Services Money Monitor................................................................................43 Profile..................................................................................................44 Account Preferences......................................................................45 Security Preferences......................................................................46 Alerts...................................................................................................48 Security Alerts..................................................................................49 Text Enrollment...............................................................................50 Mobile Deposit................................................................................51 Address Change..............................................................................53 Statement Delivery........................................................................54 Themes...............................................................................................55 Add a User.........................................................................................56 Assign User Rights..........................................................................57 Edit or Delete a User......................................................................59 Branches Branches and ATMs........................................................................60

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General Information

Security

By following our tips, Online Banking with Bank of Tennessee can be a safe and efficient method for handling your banking needs. For additional security tips, visit www.bankoftennessee.com. User Identification and Password Security starts at your computer. Never share your Login ID or password with anyone. Make sure your password is hard to guess by combining random numbers and letters instead of using your birth date, pet’s name or other personally identifiable choices. Secure Sockets Layer Encryption We use Secure Sockets Layer (SSL) encryption, a trusted method of securing internet transactions. This technology scrambles data as it travels between your computer and Bank of Tennessee, making it difficult for anyone to access your account information. Secure Access Code You need a secure access code to access your accounts when you log in to Online Banking with Bank of Tennessee for the first time or the first time from any new device. This code is delivered to you via phone call or SMS text message. You can opt to have your device registered so that you do not have to complete the Secure Access Code process the next time that you access Bank of Tennessee’s Online Banking system from that same device. If you delete the security certificate or “cookie” that recognizes your device as previously registered, you will need to request another secure access code. Online Banking Safety Tips: > Ensure your web browser, operating system, anti-virus software, and other applications are current and support 128-bit encryption. > Memorize your passwords and change them regularly. > Exit your Bank of Tennessee Online Banking session when finished. > Do not leave your computer unattended when logged in to Online Banking. > Do not use public computers or unsecured WiFi when accessing. > If you receive an error when logged in to your account, report the error to a customer service specialist at 866-378-9500.

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General Information

Security

Bank of Tennessee will never send unsolicited emails asking you to provide, update, or verify personal or confidential information via return email. If you receive an email inquiry allegedly from Bank of Tennessee, please report the incident to a members service representative as quickly as possible. To mitigate the risk of online fraud and identity theft, your first and best protection is awareness. Phishing Phishing is an online scam tactic that is used to lure users into unknowingly providing personal data, such as credit card information or Login IDs and passwords. Using realistic-looking emails and websites, this tactic attempts to gain the trust of unsuspecting targets and convince them that vital information is being requested by a vendor they may already have a relationship with, such as their financial institution. Identity Theft Identity theft can occur when criminals find a way to steal your personal or other identifying information and assume the use of that date to access your personal accounts, open new accounts, apply for credit, purchase merchandise and commit other crimes using your identity. It is important to be aware of the dangers of identity theft so that you can take the steps to avoid becoming a victim. Logging Off As a secure practice, you should log off your Online Banking session with Bank of Tennessee before you close out of your session, anytime you walk away from your computer. For additional security, Bank of Tennessee will log you off automatically due to inactivity or when your Bank of Tennessee session reaches the maximum time limit. Fraud Prevention Tips: > Do not open email attachments or click on a link from unsolicited sources. > Avoid completing email forms or messages that ask for personal or financial information. > Do not trust an email asking you to use a link for verification of login or account details. > Monitor your account transactions for unauthorized use. > Shred old financial information, invoices, charge receipts, checks, unwanted pre-approved credit offers, and expired charge cards before disposing of them. > Contact the sender by phone if you are suspicious of an email attachment.

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General Information

New Enrollment

Enrolling in Business Online Banking is easy. Contact your Relationship Manager for details or stop by any branch location today. Once you have enrolled as a New User, and logged into Online Banking at least once, follow these steps for subsequent logins.

1. From the Bank of Tennessee home page, enter your Login ID and Password . Click Log In . 2. If you don’t remember your password, simply click “ Forgot your password? ” and select where your would like to receive your Secure Access Code, and then follow the instructions to re-establish a password. Should I register my device? If this device is a “private” device where you have exclusive access, you may want to register your device to have it recognized for future logins to save time. We do not recommend registering a public device where other people could have access to the same computer, like at a public library. Logging Off As a secure practice, you should log off your Online Banking session with Bank of Tennessee before you close out of your Online Banking session, or anytime you walk away from your computer. For additional security, Bank of Tennessee will log you off automatically due to inactivity or when your Online Banking session reaches the maximum time limit.

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General Information

Home

The Home Screen will give you an overview of all of your accounts at Bank of Tennessee displayed in a comprehensive list with available balances conveniently in one place.

To View an Overview of Your Accounts:

1. For account transaction history, click the Account Name to view the Account Details screen. From here you can view transaction details by clicking the transactions. 2. You can scroll through the account summaries by clicking Next or Previous at the bottom of the summary box. 3. Click the Edit button, and you will be directed to Account Preferences where you can modify the nickname of accounts as well as the order in which they appear. The Print button will print a quick summary of your current available funds in all accounts. 4. If you are in a hurry, there is an option for easy

access tools in the top right corner. These Quick Action options allow you to swiftly transfer money and view the money manager.

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Messages

Messages

The message center allows you to communicate securely with your bank. Messages can be saved by topic for easy reference. Check here for your alerts, replies to your inquiries and ƒ communications.

To View Messages:

Click on the Messages tab. 1. Messages are listed on the left side of the screen. Click the message that you would like to read and the entire message will appear on the right. 2. If you would like to delete a message, click the icon, or you can reply to a message by clicking the icon. Bother icons are located in the upper right corner of your screen. 3. Create a new message by selecting New Conversation . 4. Messages automatically expire after a certain period of time. A message can be saved indefinitely by clicking this box.

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Transactions

Account Details

To View Account Details:

From your Home Page , click on an account for more information. 1. For account transaction history, click the account name to view the Account Details screen. You can view transaction details by clicking that transaction. 2. If you click on the description of a specific transaction, you will see more details of that transaction. You can there get mor information, like the image of a check, by clicking a single element. 3. You can choose to print only this transaction or click Ask about transaction to send a secure message to Bank of Tennessee. 4. If you choose to Show Filters , you will be able to sort out particular transactions to view, export or print. 5. Once you’ve made your selections, click Apply Filters . 6. Click the icon to print your filtered transactions. 7. You can also Export your filtered selection to then save to your computer or device.

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Transactions

Funds Transfer

Online Banking enables you to quickly and easily transfer funds between your Bank of Tennessee accounts.

To Transfer Funds:

Click on the Funds Transfer tab. 1. Select the accounts that you wish to transfer funds From and To using the drop- down menus. 2. Enter the dollar Amount and Date to process the transaction. 3. If you wish to setup a recurring transaction, click the check box “ Make this a recurring transaction .” New input fields will appear and you will need to specify the Frequency and Date range for this transaction. You can choose to make this transaction Repeat Forever by checking the box under Frequency . 4. When you have finished entering all of the needed information, select Transfer Funds . 5. If successful, a screen with an overview of your transaction will appear. All funds transfers will appear in the Activity Center , whether immediate or future dated. You can view them at this time or click Close and review at your convenience.

You can view or cancel unprocessed transactions by accessing the Recurring Transfer tab within the Activity Center.

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Transactions

Loan Payments

Our Loan Payment feature makes paying your Bank of Tennessee loan simple and efficient.

Click on the Loan Payments tab. 1. Select the accounts that you wish to transfer funds From and To using the drop- down menus. 2. Select the Payment Type . 3. Enter the dollar Amount and date to process the transaction.

4. Enter the Date . 5. Click Continue .

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Transactions

Activity Center

The Activity Center shows transaction activity initiated through Online Banking with Bank of Tennessee. Depending on the type of account and your accessibility, you can review, approve and cancel unprocessed transactions. You can view the status, type, amount, date of activity and amount of debits and credits from single and recurring transactions.

To View Online Transactions:

Click on the Activity Center tab. 1. You can choose to view Single Transactions , Recurring Transactions , or Deposited Checks by clicking on the appropriate tab at the top. 2. Click on a transaction to view more details. 3. Click Show Filters for additional search options. 4. Click Apply Filters when you are satisfied with your filter criteria. 5. Select Actions to perform additional functions, such as to Copy a transaction or choose Inquire to compose a secure messages to Bank of Tennessee.

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Transactions

View Statements

The e-Statements feature is a great virtual filing system, saving paper and space in your home or office by allowing you to view and store your statements electronically.

To View Your Statements:

Click on the View Statements tab. 1. To verify that you are able to view a PDF on your computer or smart device, you will need to click the Get Code button. Your computer or device will prompt you to save a PDF. Save this in an easily accessible place like your desktop or home page. You can delete this temporary file after you have completed the verification process. 2. Open the PDF. You will see a short code. Type that code into the verification code field; then click Verify . 3. Using the drop-down menus, select the Account , Date , and Document Type for your statement, then click Get Statement.

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Business Bill Pay

Overview

Business Bill Pay with Bank of Tennessee allows you to stay on top of your monthly finances with utmost ease and turnkey efficiency. Having your bills linked to your Bank of Tennessee account is a hassle- free alternative to paying your bills because you can electronically write checks and send payments in one easy place. The first time you click the Bill Payment tab, you will be asked to choose an account to use within Bill Pay with and to accept the terms and conditions.

With Online Business Bill Pay, You Can:

> Receive, view, manage and pay bills all on one convenient website. > Set up alerts for electronic bill arrivals. > Schedule automatic payment. > Review bill history and, for some billers, payment posting information. > Use multiple funding accounts to pay bills.

Net Worth:

Sum up your assets and debts and use pie charts to see how these assets and debts are allocated. Add alerts to provide real-time monitoring of your financial situation. Alerts can be sent via email or text messages when certain criteria are met. Access this page to make payments, view incoming bills, view and cancel pending payments, and view all scheduled payments.

Alerts:

Bill and Payments:

Payment Records: Funding Account: Administration:

This page is where you will view past payments.

This is where you review and edit your funding account. Here you can select or change your default funding account.

Help:

This is a quick action how to guide.

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Business Bill Pay

Add a Payee

The Payment Center is a guide to your billers, bills due, as well as where you will edit or delete scheduled payments.

To Add a Payee:

Click on the Bill Payment tab. 1. Enter the name of the payee in the Pay someone new field. Click Add . 2. Provide the account and other information. Click Continue . 3. Confirm information. Click Go To Make Payments . 4. Enter the amount and date to pay. Click Pay .

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Business Bill Pay

E-bills

E-bills are a fast and convenient way to receive your bills each month. If your biller offers an electronic version of your bill, the option to set up an E-bill will be available under the biller name. After activating a biller with E-bills, you will start receiving your bill directly within your Bank of Tennessee Online Business Bill Pay account.

To Set Up an E-bill:

Click on the Bill Payment tab. To set up an E-bill, begin from the Make Payments screen. 1. First, click the drop-down menu located next to the biller’s name. 2. Click the Sign up now! button.

3. Follow the instructions for logging in to your biller’s site to verify the availability of E-bills. Next, enter and confirm your User Name and Password from your biller site in the spaces provided. 4. Click Setup E-bill .

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Business Bill Pay

Scheduled Payments

Our payment scheduling feature is the only thing you need to complete your bill pay transactions-- no check, no pen, no problem! Hassle-free bill pay is just a couple of clicks away with Bank of Tennessee’s Bill Pay.

To Set Up a Scheduled Payment:

Click on the Bill Payment tab. The billers are listed by name and account number under the Bills & Payments tab. 1. To schedule your payment, enter the Amount in the required field. 2. Next, enter the Payment Due Date or use the convenient calendar feature. 3. Click Pay when you are finished.

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Business Bill Pay

Automatic Payments

The person or company to whom you are sending funds is known as the payee. A payee can be almost any company or person you would normally send a written check, such as a utility company, a cable TV provider or even your relatives. With Automatic Payments, there is no need for repeating the same scheduling process each month.

To Set Up an Automatic Payment:

Click on the Bill Payment tab. 1. Under the biller’s name, click Autopay . 2. Select the Pay automatically at regular intervals option. 3. Enter the remaining details for the automatic payment like frequency, and delivery date and specify how long to continue payments. 4. When finished, click Save Changes .

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Business Bill Pay

Change / Cancel Payments

Even after you have scheduled a payment, you have the ability to change or cancel your payment up until the time it begins processing. This convenient feature gives you the freedom to change the way you make your payments.

To View Bill History:

Click on the Bill Payment tab. To access this feature, locate Pending Payments in the Payment Center sidebar. 1 Locate the Pending Payments information box. 2. Click Edit to edit your payment in a secondary screen. You may change the Pay From Account, Pay Date or Pay Amount. 3. Click Cancel if you would like to prevent a payment from occurring.

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Business Bill Pay

View Bill History

View details, edit, or cancel your pending payments to better customize your business bill pay experience.

To View Bill History:

Click on the Bill Payment tab. Begin from the Bills & Payments screen. 1 Click View history/reports to reveal recent payment history. 2 From the drop-down menu on the new screen, you may choose to view reports for the current month or up to 12 months prior. Click View . 3 History information from your chosen criteria will display below. 4 Click Payment details to view more information or to Add a Note .

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Commercial

Template Overview

Making payments within online banking is simple when you create templates for each type of transaction type that you frequently make. Be sure to monitor who can create or modify a template by altering user rights for each user. Template Overview:

Click on Payments . 1. Templates can be viewed in either list or grid form. This view can be changed by clicking List or Grid near the right-hand corner of any page in the Payments section. 2. To Edit a template, click . 3. To mark a template as a Favorite , click . 4. To Copy a template, click . 5. The Last Amount that was paid and the Last Date each template was used are also listed. 6. You can Search templates by entering a search term in the search box or by choosing a Filter type from the drop-down.

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Commercial

Create a Template

The Payments tab allows you to establish one-time or recurring payments to recipients. From here, you can create templates to automate your routine payments. The following template and payment types include a single-recipient: • ACH Payment • Domestic Wire • ACH Receipt • International Wire The following transaction types include multiple-recipients: • ACH Batch • ACH Collection To Create Payments: Step One: Info and Users

Click on the Payments tab. 1. Select an available template or choose New Template in the upper right corner to create a new template. The New Payment button can be used to create a one- time payment. If you choose to create a new template, type a unique name. 2. Enter the name of your template. Click Next . 3. In the Info and Users tab, indicate which users should have access to this template. You can find users by typing their name in the Search bar or checking their name below. 4. When you have established a template name and user access, click Next .

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Commercial

Create a Template

Step Two: Recipient and Amount

1. Select a recipient that you wish to pay. Check mark the box next to the recipient’s name or type their name in the search bar. 2. Once you have chosen your recipient, enter the Amount you wish to pay them. You can also include an Addendum . 3. You can another add a recipient at this point and remain within your template workflow. Click Add Recipient to be directed to the Add Recipient page and then conveniently return to the payment workflow. 4. Once you have selected the recipients and entered payment for each one, click Next .

When using the ACH Template in the Recipients and Amount Step, choose whether the ACH class code is for an Individual (PPD) or Company (PPD).

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Commercial

Create a Template

Step Three: Subsidiary

1. Select the Subsidiary . You can find subsidiaries by checking the box next to their Name oy typing it into the Search bar. 2. You can also add a subsidiary at this point and remain within your template workflow. Click Add Subsidiary, and you will be directed to the Add Subsidiary page to enter their information and then conveniently return to this place in the payment workflow. 3. When finished, click Next .

Step Four: Account

1. Choose the Account you wish to withdraw from or deposit to. 2. When finished, click Next .

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Commercial

Create a Template

Step Five: Review & Submit

1. Select the Effective Date (payment date). You may also set the transaction to recur by clicking Set Schedule, under Recurrence.

2. Review the information, and if it is correct, click Save 3. Depending on user rights, select Draft or Approve .

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Commercial

Adding Recipients

A recipient is any person or business with whom your business may send or receive payments from. After a recipient is created, you can simultaneously include them in multiple payments or templates. Each entry contains the recipient’s contact and account information. To Add a Recipient:

Click on Recipients tab under the Commercial Menu. 1. Click Add Recipient on the right. 2. Fill out the required information regarding the recipient. Fields marked with an asterisk are required fields. If the recipient will ne used for ACH, Wire payments, or both, please enter an ACH name or Wire Name. 3. Click Next on the right. A new tab will appear called Account New . 4. Select the Payment Types allowed for this recipient. 5. Select the Account Type, and enter the account and routing number. 6. If you plan to use this account with wire transfers, you will need to enter the Name , Country and Postal Address . 7. When finished, click Create Recipient.

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Commercial

Edit or Delete a Recipient

To Edit or Delete a Recipient:

Click on the Recipients tab. 1. Find the recipient whose rights you would like to change; click

icon to edit.

2.

Make the necessary changes to the Recipient Details. 3. Click on Checking-XXXX to the right of Recipient Detail, to make edits to the account details. 4. When you are finished, click Save . 5. To Delete a Recipient, click Delete . To verify, click Yes and then Close when you are finished.

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Commercial

Adding Subsidiaries

Subsidiaries are alternate or secondary company profiles that are used when your business requires transactions for multiple entities. If you operate a relatively small firm with just a few accounts, this section may not apply to you. To Add a Subsidiary:

Click on the Subsidiaries tab under the Commercial Menu. 1. On the Subsidiary Management page, click Add Subsidiary . 2. Fill out the required information. 3. When finished, click Create Subsidiary .

The required fields in the Add Subsidiary page vary, depending on the payment types that you select.

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Commercial

Edit or Delete a Subsidiary

To Edit or Delete a Subsidiary:

Click on the Subsidiaries tab. 1. Find the Subsidiary whose rights you would like to change; click

icon to edit.

2. Make the necessary changes to the Subsidiary Details. When you are finished, click Save . 3. To delete a Subsidiary, click Delete . To verify, click Yes and then Close when you are finished.

Deleting a subsidiary does not delete the subsidiary data from existing payments that use the subsidiary.

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Commercial

Token Process

Using Tokens: After completing a Wire Transfer or International Wire Transfer, the user with Approval authority will click Approve. Click Ok when the window prompts you to confirm the transaction. Then the following window will appear: All tokens must be registered with Bank of Tennessee. The hardware token will be mailed to each user and ready to use upon arrival. If you download a software token, you must provide Bank of Tennessee with the Credential ID. Once the Credential ID is registered you can begin approving wires using the VIP Access app. The VeriSign VIP token (hardware or software) will generate a six digit number every 30 seconds. What are Tokens? Tokens are a security device that add another level of security when making wire transfer requests. There are two types of tokens: hardware tokens and software tokens. Bank of Tennessee will issue a hardware token to each user authorized to approve wire transfers initiated through Business Online Banking. iPhone or Blackberry users with wire transfer approval authority can download a software token from the App world. The application is called VIP Access.

The first time a token is used, the dialog box will require users to enter two consecutive numbers. Enter Security Code 1, wait 30 seconds for a new number to appear on the token, and then key the second number in the Security Code 2 field. The Security Codes must match the numbers sent to you by our Online Banking system in order for the wire transfer to successful transmit. The wire transfer will not transmit without a successful match. For assistance with your token, contact Customer Service at 866-378-9500.

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Commercial

ACH Pass Thru

If you use a software package that can generate a file of ACH transactions, you can upload it to our website using this page. To Import ACH Transactions:

Click on the ACH Pass Thru tab under the Commercial Menu. 1. Indicate which file you would like to import. 2. Choose the Process Date by clicking the day on the calendar . Please note: the process date, should be the earliest date available. This is not the effective date of the file. 3. When finished, click Submit .

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Commercial

Tax Payment

Never run to the local branch with a tax payment check again! Initiate a Federal or State tax payment through EFTPS from your home or office up to 30 days in advance. To Initiate a Tax Payment:

Click on the Tax Payments tab. 1. Using the drop-down menu, select Tax Authority . 2. A list of tax payment forms will appear. Choose your tax payment by clicking on it. 3. Enter the required information for the payment, and then click Submit .

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Mobile Authorizations

Commercial

Mobile Authorizations enable an ACH or Wire Transfer Approver to receive notifications via an automated telephone call and approve those transactions, without having to login to Internet Banking. When a user with Draft authority selects the SAC (Secure Access Code) target of “Phone To”, the Approver receives the automated voice call and has the ability to hear transaction information and enter their Mobile Authorization Code to approve the transaction. The Approver must first establish a Mobile Authorization Code as described below. To Set Up Mobile Authorizations:

Click on the Mobile Authorizations tab. 1. Enter any 4 digit code in the Mobile Authorization Code field. You will need this code to make transfers and approve transactions using your mobile device. 2. Click Add E-mail or Add Phone to establish new contact methods. 3. Choose the transaction types for which you agree to be an eligible approver. 4. Click Submit when finished.

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Services

Stop Payment

Using Online Banking with Bank of Tennessee, you can initiate a stop check payment request from any device. You can review the status of your request in the Activity Center. The stop payment, once confirmed, will remain in effect for six months. If you need the current fee information, please call us during our business hours at 866-378-9500. To Initiate a Stop Payment Request:

Click on the Stop Payment tab. 1. Choose request type; single or multiple checks. 2. Click on each category

header on the left to select an account, enter a check number, and choose the date of the check.

3. When entering the check amount, be sure to click Save . 4. When completed, click Send Request .

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Services

Stop ACH Payment

You can also initiate stops to a future ACH payment that has not posted to the account. Contact Bank of Tennessee at 866-378-9500 for current fee information.

Click on the Stop ACH Payment tab. 1. Select the Account the funds were being pulled from.

2. Enter the Merchant Name and the Amount of the payment. 3. Select if the Merchant previously debited your account. 4. Select if this is a single occurrence or all transactions from this merchant. 5. Click Submit .

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Services

Check Reorder

With Online Banking, you can conveniently reorder checks online.

If you notice that you are missing checks, please contact us right away so that we can take precautions to safeguard against identity theft and fraud.

To Order Checks:

Click on the Check Reorder tab. 1. Choose the account for which you would like checks ordered. 2. You will be redirected to our trusted vendor’s website to complete your order.

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Positive Pay

Introduction

Positive Pay is a feature available to our commercial customers that will help to minimize or eliminate check fraud to prevent losses, provide easier management of Voids and Stop-Payments, and simplify month-end checking account reconciliation. With Positive Pay, you submit an electronic file each day detailing business-issued checks. As each check is presented for payment, the Positive Pay system electronically compares it to the information in your file. If an item does not match the record you provide, it is flagged as an exception and referred back to you for a payment decision. ACH Blocks & Filters proactively monitors incoming ACH activity. Using this tool, every ACH transaction presented for payment is scrutinized. Suspicious transactions are presented for review. The service allows for firm restrictions on outgoing ACH payments, providing peace of mind that only authorized ACH transactions will be released.

Click on the Positive Pay tab. This will open a new browser window for Positive Pay. When exiting Positive Pay, you should always use the Sign Out button, located in the upper-right hand corner of the page. To Access Positive Pay:

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Positive Pay

Upload Issue File

To Upload an Issue File:

To Upload an Issue File:

Select Submit Issued Check File from the Transaction Processing menu. 1. Click Choose File and locate the file to be uploaded. 2. Use the Client ID drop-down list to select the account the issue was drawn from. 3. Select the previously mapped file type from the File Processing Type . Click Process File . 4. The file processing status will display at the bottom of the page.

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Positive Pay

Manually Enter a Check

To Manually Enter a Check:

Select Add New Issued Check from the Transaction Processing menu. 1. Use the Client ID drop-down list to select the account the issue was drawn from. Also, enter the Check Number , Amount of the Check , Date Issued , and Payee Information into the provided fields. 2. When you click Add Check , a confirmation of check added will display at the top of the page. A table of newly issued checks will appear at the bottom.

Multiple checks may be added in sequential order by clicking the Auto-Increment Check Number.

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Positive Pay

Void a Check

To Manually Void a Check:

Select Void a Check from the Transaction Processing menu. 1. Use the Client ID drop-down list to select the account the issue was drawn from. Also, enter the Check Number , Amount of the Check , and Date Issued into the provided fields. 2. Click Find Matching Check, and the check information will populate under Step 3 on the page. 3. Review and click Void Check when ready to complete the action.

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Positive Pay

Managing Exceptions

While processing your issues, the Positive Pay system will send you an e-mail notification if there are any exceptions to review. Exceptions represent two types of items: items that don’t match check issues submitted by the client to the bank or items attempting to clear an account where the Positive Pay service is set to run in reverse, requiring client review of all items. The Exception Type tells you why the item is listed. This can include: • Duplicate Paid Item: Item was previously paid. • Paid Not Issued: Bank was never notified of the item issuance. • Stale Date Item Paid: Item was issued longer than 180 days ago. • Stop Pay Request Match: Item matches a stop payment. • Voided Item: Item was previously voided. • Unauthorized ACH Transaction: Transaction flagged as an exception by ACH filter rules applied to the account.

To Manage Exceptions:

Selecting Quick Exception Processing from the Exception Processing menu. 1. The page can be filtered by Client ID , Display Type , or Status . 2. Using the “ Hide Exceptions Already Decided ” option will display only items requiring a pay or return decision. Decisions on exceptions must be made by 11:00AM PST. Any items left undecided will be handled per your default setting. All users will be placed into read-only mode after the cut-off time to prevent changes to the automated decision. 3. After review, use the Pay/Return Decision box to indicate whether the item should be paid or returned. If you select Return , you can add a reason for later reference. 4. Click Update to submit the decisions.

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Positive Pay

Reports

Positive Pay offers robust reporting functionality, found in multiple locations within the system. This allows you to keep track of payments and debits on your accounts. In the Transaction Processing Menu: • Review Checks: Will display all issued checks for the specified Account ID. It includes all outstanding issued items, paid items, and exceptions. In the Transaction Reports Menu: • All Checks: Provides a report of all checks with filter capabilities for clients with multiple accounts and other criteria. • Outstanding Issued Checks: Provides a list of all issued checks that remain outstanding. • Paid Checks: Shows a listing of all previously paid checks. • Stops and Voids: Shows a report of items marked as stop pay or void. • ACH Items: Provides a listing of ACH transactions within a given date range. The default range is 90 days. • Exceptions Items: Shows a list of all items flagged as exceptions. • Stale Dated Checks: Provides a list of all checks considered to be stale dated, which were issued longer than 180 days prior. • Check Reconcilement Summary: Provides a list of newly issued, paid, and stop/void checks. The report also shows a listing of outstanding checks as of the selected reconcilement date. In the System Reports Menu:

• Issued Check File: This report provides you with a log of all issued check files that have been electronically submitted in the Positive Pay system.

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Services

Money Monitor

Our Money Monitor tool allows you to manage your money from your Online Banking Account by allowing your to view your investment, mortgage, credit card, account balances and transactions in one place. You will be able to easily create budgets, categorize and track spending habits, as well as tag your transactions to see where and how you spend your money.

Dashboard: You’ll find a quick overview of your financial standing on the dashboard, as well a host of financial tools that you can use to manage your finances. Budget: Track your spending. Add targets that will help you better control

such expenses as shopping or dining out. When you establish spending targets, you can also schedule notifications via a delivery method of your choice when you near to your budget limit.

Cashflow: View incoming and outgoing transactions on a monthly basis. Goals: Set a personal financial goal and actively set aside money you wish to use towards that goal. Net Worth: Sum up your assets and debts. View pie charts to see how these assets and debts are allocated. Alerts: Add alerts to provide real-time monitoring of your financial situation. Alerts can send emails or text messages to you when certain criteria are met.

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Settings

Profile

It is important to maintain current contact information on your account. However, updating your Online Banking profile doesn’t not update your customer contact information at Bank of Tennessee. Please call us at 866-378-9500 to change your name, address, email or phone numbers.

To View and Update Your Profile:

Click on the Profile Tab. 1. Update your contact information in the spaces pro 2. Click Submit Profile to save.

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Settings

Account Preferences

In Account Preferences you can change the nickname for each of your accounts with Bank of Tennessee to help distinguish between accounts.

To Set Up or Change Your Account Nicknames:

Click on the Account Preferences tab. 1. Customize nicknames for your accounts. 2. When you are satisfied, click Submit .

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Settings

Security Preferences

In Security Preferences, you can change the different designations that help keep your account secure.

To Set Up or Change Your Security Preferences: Click on the Security Preferences tab, choose a preference to edit.

Touch ID

Password When changing your password, be sure that you follow the guidelines for creating a strong password.

Login ID Be sure to create a login that you will remember, but that is not too recognizable.

Secure Delivery Make sure that we have your correct email and phone number on file so you can receive secure access codes when logging in from an unregistered device.

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Settings

Security Preferences

Touch ID Touch ID is available on the BOT Mobile App*. Touch ID allows you to quickly and securely log into Mobile Banking without typing your username and password. Activating Touch ID is easy, just log into the BOT Mobile App on your Touch ID enabled device, and access the Settings Menu, Click Security Preferences. Tap the On/ Off Toggle to enable Touch ID.

*The BOT Mobile App is available for Apple iOS device in the App Store, for Android devices in the Google Play store and for the Kindle Fire in the Amazon store.

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Settings

Alerts

You can create and manage alerts to remind you of important dates, warn you about the status of your accounts, and when certain transactions occur. When you create an alert, you specify the conditions that trigger the alert as well as the delivery option to receive that alert. All alerts will automatically be sent to your Online Banking account via Secure Messages, regardless of the additional delivery preferences you have chosen. To Edit Alert Delivery Preferences: You can edit specific Date, Account, History, Transaction, and Security Alert preferences.

Delivery Methods include:

• Secure Message within Online Banking • Email • Phone Call • SMS Text Message

To Set Up Alerts:

Click on the Alerts tab. 1. To create a new alert, click the New Alert drop-down. Choose the kind of alert that you wish to create from the drop-down. A new screen will appear where you can enter the necessary information. Be sure to click Save when finished. 2. To view the alerts for each category, click the the category header. 3. You can easily toggle an alert On/Off without deleting the alert by toggling the Enabled button. 4. To view or change details of an already-existing alert, choose the Edit link on the right end of the alert you would like to edit. Be sure to click Save after you change any alert details.

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Settings

Security Alerts

Security Alerts allow you to enable specific alerts to keep you informed of changes to your account and Online Banking profile. Alerts can be delivered via Secure Message within Online Banking, email, SMS text message or phone call.

To Edit Security Alerts and their Delivery Preferences:

Click on the Alerts tab, then click Security Alerts . 1. To activate or deactivate an alert, click the On/Off button that corresponds with the appropriate alert. 2. To edit delivery preferences, click the Edit Delivery Preferences link at the top. These changes will apply to all Security Alerts. 3. Enter the information for your preferred delivery method. 4. Click Save when finished. 5. If an alert is grayed-out, you are not able to edit or disable this alert.

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Settings

Text Enrollment

Once enrolled in Text Banking, you can check balances, review account history and transfer funds from your Online Banking account using any text enabled device.

To Enroll in Text Banking:

To enroll, click the Text Enrollment tab. 1. Toggle the Text Enrollment button from OFF to ON . 2. Enter your phone/ SMS text number . 3. Read the terms and conditions and check the Agree to Terms box. 4. Click Save to complete enrollment.

To enable your account to be viewed in Text Banking, visit Account Preferences and click enable.

Start command is code 878787 Text Command Options to # 226563 for the Following Information:

BAL or BAL

Request account balance Request account history

HIST

XFER

Transfer funds between accounts

LIST

Receive a list of keywords

HELP

Receive a list of contact points for information on text banking Stop all text messages to the mobile device (for text banking and SMS alerts/notifications) Enable message send/receive for text banking

STOP

START

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Settings

Mobile Deposit

Once enrolled in Mobile Deposit, you can check balances, review account history and transfer funds from your Online Banking account using any device with a camera and internet capabilities.

To Enroll in Mobile Deposit:

Select Mobile RDC Enrollment 1. Click the “ Terms and Conditions ” link and review the terms. 2. Click the Checkbox indicating your acceptance of the terms. 3. Click Accept . You will see a confirmation screen if you have completed the form correctly. 4. Once your information has been reviewed by the bank you will receive an Secure Message indicating that the mobile banking service is turned on. At this time, you can log in to the app on your smart phone and find the Deposit Check tab.

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Mobile

Mobile Deposit

With our Mobile App on your Android or iOS device, you can deposit checks into your Bank of Tennessee Online Banking account by simply snapping a photo of a paper check.

To Deposit a Check via Your Smartphone:

This feature is only available when using our mobile app on your mobile device.

1. Choose the Account where you wish to make a deposit. 2. Enter Check Number and Amount , then click Save . 3. Click the Capture Image button for each side.

4. Verify that all four corners of the check are visible and all elements are legible. 5. Take the image of the backside so that the endorsement is on the left side of the image.

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