Kitsap Bank Cash Management User Guide

Cash Management User Guide

Questions? Contact us at 800.283.5537.

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

St. Louis, MO 63021 www.mcompany.com

Revised 6/23

© 2009-2023 Murphy & Company, Inc. Quicken is a registered trademark of Intuit, Inc. Macintosh is a trademark of Apple Inc., registered in the U.S. and other countries. Adobe Reader is a registered trademark of Adobe Systems, Inc. © 2012 Portions of this guide were written by Q2 Software, Inc.

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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Getting Started

Welcome to Cash Management Online Banking with Kitsap Bank! Whether at home or at the office, from a mobile phone, tablet or laptop, we strive to make your Online Banking experience easy and convenient. By adding powerful commercial products and features, Kitsap Bank provides you with the complex tools your business needs to achieve its goals. Although our Cash Management Online Banking shares similar features with our personal accounts, this guide is meant to help you through only commercial features. 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 us at 1.800.2TELLER (1.800.283.5537) option 7.

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Table of Contents Getting Started

Protecting Your Information........................................................................................7 General Guidelines................................................................................................................. 7 Username and Password...................................................................................................... 7 Fraud Prevention.................................................................................................................... 7 Cash Management Overview.......................................................................................8 Users........................................................................................................................................ 8 Cash Management Online Banking Transaction Types .................................................... 9 Transaction Type Overview..........................................................................................9 Logging In.....................................................................................................................10 Logging Off............................................................................................................................ 11 Resetting A Forgotten Password...............................................................................12 Accounts Search and Pagination................................................................................................14 Search.................................................................................................................................... 14 Pagination. ............................................................................................................................ 14 Services Stop Payment Request...............................................................................................15 Reordering Checks......................................................................................................16 Enroll in Mobile Deposit.............................................................................................17 Mobile Deposits...........................................................................................................18 Commercial User Overview..............................................................................................................19 User Management Overview.............................................................................................. 20 Adding a New User .............................................................................................................. 21 Part 1 of 5: Establishing Transaction Type Rights............................................................. 22 Part 2 of 5: Disabling a Transaction Type.......................................................................... 23 Part 3 of 5: Editing Approval Limits for a Transaction Type............................................ 24 Part 4 of 5: Establishing Rights to Access Features.......................................................... 25 Part 5 of 5: Establishing Rights to Access Accounts......................................................... 26 Unlock Logins ..............................................................................................................27 Editing an Existing User’s Rights................................................................................28 Deleting a User............................................................................................................29 Recipient Overview......................................................................................................30 ACH Only- Part 1 of 2: Adding a Recipient......................................................................... 31 ACH Only- Part 2 of 2: Recipient Account Detail............................................................... 32 ACH & Wire- Part 1 of 4: Adding a Recipient..................................................................... 33 ACH & Wire- Part 2 of 4: Beneficiary FI Detail................................................................... 34

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ACH & Wire- Part 3 of 4: Intermediary FI Detail................................................................ 35 ACH & Wire- Part 4 of 4: Recipient Account Detail........................................................... 36 Wires Only (Domestic) - Part 1 of 4: Adding a Recipient.................................................. 37 Wires Only (Domestic)- Part 2 of 4: Beneficiary FI Detail................................................. 38 Wires Only (Domestic)- Part 3 of 4: Intermediary FI Detail............................................. 39 Wires Only (Domestic)- Part 4 of 4: Recipient Account Detail......................................... 40 Wires Only (International)- Part 1 of 4: Adding a Recipient............................................. 41 Wires Only (International)- Part 2 of 4: Beneficiary FI Detail........................................... 42 Wires Only (International)- Part 3 of 4: Intermediary FI Detail....................................... 43 Wires Only (International)- Part 4 of 4: Recipient Account Detail................................... 44 Recipient Approval/Rejection.....................................................................................45 Editing a Recipient.......................................................................................................46 Editing a Recipient’s Templates.......................................................................................... 47 Deleting a Recipient....................................................................................................48 Transfer Funds.............................................................................................................49 Activity Center Overview............................................................................................51 Using Filters........................................................................................................................... 52 Creating or Deleting Custom Views Using Favorites........................................................ 53 Editing Transactions............................................................................................................. 54 Canceling Transactions........................................................................................................ 55 Payment Template Overview.....................................................................................56 Creating a Template....................................................................................................57 ACH Payments...................................................................................................................... 58 ACH Single Payment............................................................................................................. 61 ACH Collection...................................................................................................................... 63 ACH Single Receipt............................................................................................................... 65 Domestic Wire...................................................................................................................... 67 International Wire................................................................................................................ 69 Payroll.................................................................................................................................... 71 Sending a Single Payment..........................................................................................73 ACH Payments...................................................................................................................... 73 ACH Single Payment............................................................................................................. 76 ACH Collection...................................................................................................................... 78 ACH Single Receipt............................................................................................................... 81 Domestic Wire...................................................................................................................... 83 International Wire................................................................................................................ 85 Payroll.................................................................................................................................... 87 Splitting a Payment.............................................................................................................. 89 Payment From File......................................................................................................90 Viewing, Approving or Canceling a Transaction......................................................92 Single Transaction................................................................................................................ 92 Multiple Transactions.......................................................................................................... 93

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Editing or Using a Template.......................................................................................94 Deleting a Template....................................................................................................95 Tax Payment................................................................................................................96 Security Security Preferences...................................................................................................98 Change Password................................................................................................................. 98 Change Login ID................................................................................................................... 99 Secure Delivery.................................................................................................................. 100 Mobile Security Preferences...................................................................................101 Enabling Touch ID or Fingerprint Login.......................................................................... 101 Enabling Passcode Authentication.................................................................................. 103 Disabling Passcode Authentication, Touch ID or Fingerprint Login............................ 104 Enabling Face ID................................................................................................................ 105 Alerts Overview.........................................................................................................106 Account Alerts.................................................................................................................... 107 History Alerts..................................................................................................................... 108 Online Transaction Alerts................................................................................................. 109 Reminders.......................................................................................................................... 110 Security Alerts Overview..........................................................................................111 Editing Delivery Preferences............................................................................................ 111 Enabling and Disabling Push Notifications...........................................................112 Secure Message Overview......................................................................................113 Sending a Secure Message......................................................................................114 Settings Account Preferences................................................................................................115 Text Enrollment........................................................................................................116 Address Change Request........................................................................................118 Themes...................................................................................................................... 119 Accessibility............................................................................................................... 120 Locations Branches and ATMs.................................................................................................121 Deposit Connect Deposit Connect Overview......................................................................................122 Deposit Connect Installation............................................................................................ 122 Updating Your Profile....................................................................................................... 123 Capturing Deposits........................................................................................................... 124 Open Batches..................................................................................................................... 127 Approving Batches............................................................................................................ 128 Reports reference for Deposit Connect.......................................................................... 129

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Positive Pay Introduction. ............................................................................................................. 130 Quick Exception Processing....................................................................................131 Submit Issued Check File.........................................................................................134 Add New Issued Check File.....................................................................................135 Void a Check..............................................................................................................136 Check Search.............................................................................................................137 Reverse Positive Extract Pay...................................................................................139 ACH Transaction Search..........................................................................................140 Daily Checks Issued Summary................................................................................141 Stops and Voids........................................................................................................142 Exception Items........................................................................................................143 Stale Dated Checks...................................................................................................144 Account Reconciliation............................................................................................145 Check Reconciliation Summary..............................................................................146 Deposit Reconciliation Summary...........................................................................147 ACH Authorization Rules Setup..............................................................................148 Create an ACH Authorization Rule.................................................................................. 148 Manage ACH Authorization Rules................................................................................... 150 Transaction Filters/Blocks.......................................................................................151 Issued Check File Processing Log...........................................................................152 User Setup.................................................................................................................153 Commercial Bill Pay Home Page Overview...............................................................................................158 Add a Payee...............................................................................................................160 Company. ........................................................................................................................... 160 Individual Electronic Payments........................................................................................ 162 Individual Check Payments.............................................................................................. 164 Activate a Payee................................................................................................................. 166 Edit a Payee...............................................................................................................167 Delete a Payee..........................................................................................................168 Import Payees...........................................................................................................169 Add and Manage Categories...................................................................................170 Single Payment.........................................................................................................171 Edit or Stop a Single Payment.................................................................................172 Create a Recurring Payment...................................................................................173 Edit or Stop a Recurring Payment..........................................................................174 Setting Up eBills........................................................................................................176 Payment Approval....................................................................................................177 Dual Approval...........................................................................................................178

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Company Profile.......................................................................................................179 Edit or Delete Bill Pay Accounts..............................................................................180 Modify User Permissions.........................................................................................181 Personal Profile........................................................................................................182 e-Notifications........................................................................................................... 183 Events. ................................................................................................................................ 183 Logout Notifications.......................................................................................................... 184 Recurring............................................................................................................................ 185 Reminders.......................................................................................................................... 186 Reports. ..................................................................................................................... 187 eDocuments eDocument Preferences..........................................................................................188 PDF Verification................................................................................................................. 188 eStatements and eNotices............................................................................................... 189 eDocuments.............................................................................................................. 190 PDF Verification................................................................................................................. 190 eStatements....................................................................................................................... 191 eNotices.............................................................................................................................. 192 Tax Documents.................................................................................................................. 193 Depositor Control Panel Depositor Control Panel..........................................................................................194 Apple Watch Apple Watch..............................................................................................................195 Apple Watch Setup............................................................................................................ 195 Viewing Account Balance.................................................................................................. 195 Viewing Transactions........................................................................................................ 196

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7

Getting Started

Protecting Your Information

Here at Kitsap Bank, we do all that we can to protect your personal information and provide you with a dependable online experience. However, we rely on you to take further precautions to assure the safety of your accounts. By following our tips, Online Banking can be a secure and efficient method for all your banking needs. General Guidelines • Make sure your operating system and antivirus software are up-to-date. • Always use secure wireless (WiFi) networks that require a username and password. • Never leave your computer unattended while using Online Banking. • Monitor your recent account history for unauthorized transactions. • Always log off of Online Banking when you’re finished and close the browser. Username and Password • Create strong passwords by using a mixture of upper and lowercase letters, numbers and special characters. • Do not create passwords containing your initials or birthday. • Change your passwords periodically. • Memorize your passwords instead of writing them down. • Only register personal devices and avoid using features that save your usernames and passwords. Fraud Prevention • Do not open email attachments or click on links from unsolicited sources. • Avoid giving out personal information on the phone or through email. • Shred unwanted sensitive documents including receipts, checks, deposit slips, pre-approved credit card offers and expired cards. • Act quickly. If you suspect your financial information is compromised, call us immediately at 1.800.2TELLER (1.800.283.5537) option 7.

Getting Started: Protecting Your Information

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Getting Started

Cash Management Overview

Whether you’re an enterprise, large corporation or small organization, our flexible Cash Management can efficiently serve you. Depending on your size, the first step in banking online is setting up your users. After setting up this key entity, you can jump right in and experience our state-of-the-art system! Users If your business only needs one person with access to Cash Management, you can set up a single username and password. This is typical for small companies who primarily use basic Online Banking tools with occasional business transactions. For larger organizations, our system lets you establish multiple usernames and passwords for authorized employees. You can organize which employees get access to different features within Cash Management by establishing user rights.

Getting Started: Cash Management Overview

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Getting Started

Various types of payment methods are offered through Cash Management Online Banking, including wire transfers, funds transfers and ACH payments. Transaction Type Overview

Cash Management Online Banking Transaction Types

Type

Description

ACH Single Payment (Credit)

Send a payment to one recipient.

ACH Payments (Credit)

Send payments to several recipients.

ACH Single Receipt (Debit)

Receive a payment from one recipient.

ACH Collection (Debit)

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.

International Wire

Send payroll to several recipients. If a recipient has more than one account, you can split that payment into several accounts.

Payroll (Credit)

Tax Payment (Credt)

Send federal, state or local tax authority payments.

Note : If your company needs access to Wage Garnishment please contact us at 800.283.5537, option 7 send us a secure message via Cash Management or contact your Commercial Payments Advisor

Getting Started: Transaction Type Overview

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Getting Started

Logging In

Logging in is easy and only requires your username.

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1. Click the Sign In button. 2. Enter your Username and check the First Time User box. 3. Click the Submit button. 4. Choose the contact method that allows Kitsap Bank to reach you immediately with a 6-digit Secure Access Code (SAC). A1 B1 C1 D1 E1 F1 G1 H1 I1 J2 A2 B2 C2 D2 E2 F2 G2 H2 I2 J3 A3 B3 C3 D3 E3 F3 G3 H3 I3 J KLMNOPQRST U V W X Y Z A B C D E F G H I

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Getting Started: Logging In

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Logging Off For your security, you should always log off when you finish your online banking 11a 12a 13a 14a 15a 16a 17a 18a 19a 20a 11b 12b 13b 14b 15b 16b 17b 18b 19b 20b 5. Enter the SAC and click the Submit button. 6. Create a new password based on our password requirements and click the Submit button when you are finished. 10a 1a 2a 3a 4a 5a 6a 7a 8a 9a 10b 1b 2b 3b 4b 5b 6b 7b 8b 9b 10c 1c 2c 3c 4c 5c 6c 7c 8c 9c 10d 1d 2d 3d 4d 5d 6d 7d 8d 9d

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.

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Getting Started: Logging In

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Getting Started

Resetting A Forgotten Password

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

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1. Check the box next to “Forgot Password?” 2. Enter your Username and click the Submit button. 3. Choose the contact method that allows Kitsap Bank to reach you immediately with a 6-digit Secure Access Code (SAC). 11b 12b 13b 14b 15b 16b 17b 18b 19b 20b J1 A1 B1 C1 D1 E1 F1 G1 H1 I1 J2 A2 B2 C2 D2 E2 F2 G2 H2 I2 A3 B3 C3 D3 E3 F3 G3 H3 I3 J KLMNOPQRST U V W X Y Z A B C D E F G H I J3

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Note : You will not be able to change your password if your account is locked.

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Getting Started: Resetting A Forgotten Password

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4. Enter the SAC and click the Submit button. 5. Create a new password based on our password requirements and click the Submit button when you are finished. 10a 1a 2a 3a 4a 5a 6a 7a 8a 9a 10b 1b 2b 3b 4b 5b 6b 7b 8b 9b 10c 1c 2c 3c 4c 5c 6c 7c 8c 9c 10d 1d 2d 3d 4d 5d 6d 7d 8d 9d

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Getting Started: Resetting A Forgotten Password A1 B1 C1 D1 E1 F1 G1 H1 I1

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Accounts

Search and Pagination

Search The search bar feature is enabled for users with more than 30 accounts. It should automatically appear at the top of the account landing page.

Pagination The pagination feature is enabled for users with more than 60 accounts. It should automatically appear at the bottom of the landing page.

Accounts: Search and Pagination

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Services

Stop Payment Request

If you’re ever worried about a pending written check, you can initiate a stop payment request to prevent that check from being cashed. Once approved, the stop payment remains in effect for 6 months. Please review the current Fee Schedule/Terms & Conditions for your account for additional information. If you have any further questions, please call us at 1.800.283.5537 option 7.

In the Services tab, click Stop Payment . 1. Select the appropriate account using the drop-down. 2. For personal accounts, if your check numbers exceeds 4 digits, enter the last 4 digits. 3. Enter the amount. 4. Enter the date of the check using the calendar feature. 5. Enter the payee. 6. (Optional) Enter a note. 7. Click the Request stop payment button when you are finished. A2 B2 C2 D2 E2 F2 G2 H2 I2 J3 A3 B3 C3 D3 E3 F3 G3 H3 I3 11b 12b 13b 14b 15b 16b 17b 18b 19b 20b J1 A1 B1 C1 D1 E1 F1 G1 H1 I1 J2 A2 B2 C2 D2 E2 F2 G2 H2 I2 J3 A3 B3 C3 D3 E3 F3 G3 H3 I3 11a 12a 13a 14a 15a 16a 17a 18a 19a 20a 11b 12b 13b 14b 15b 16b 17b 18b 19b 20b 1d 2d 3d 4d 5d 6d 7d 8d 9d J1 A1 B1 C1 D1 E1 F1 G1 H1 I1 J2 A2 B2 C2 D2 E2 F2 G2 H2 I2 J3 A3 B3 C3 D3 E3 F3 G3 H3 I3 10a 1a 2a 3a 4a 5a 6a 7a 8a 9a 10b 1b 2b 3b 4b 5b 6b 7b 8b 9b 10c 1c 2c 3c 4c 5c 6c 7c 8c 9c 10d 11a 12a 13a 14a 15a 16a 17a 18a 19a 20a 11b 12b 13b 14b 15b 16b 17b 18b 19b 20b 1d 2d 3d 4d 5d 6d 7d 8d 9d J1 A1 B1 C1 D1 E1 F1 G1 H1 I1 J2 A2 B2 C2 D2 E2 F2 G2 H2 I2 J3 A3 B3 C3 D3 E3 F3 G3 H3 I3 10a 1a 2a 3a 4a 5a 6a 7a 8a 9a 10b 1b 2b 3b 4b 5b 6b 7b 8b 9b 10c 1c 2c 3c 4c 5c 6c 7c 8c 9c 10d 1a 12a 13a 14a 15a 16a 17a 18a 19a 20a 1b 12b 13b 14b 15b 16b 17b 18b 19b 20b 1d 2d 3d 4d 5d 6d 7d 8d 9d J KLMNOPQRST U V W X Y Z A B C D E F G H I J1 A1 B1 C1 D1 E1 F1 G1 H1 I1 J2 A2 B2 C2 D2 E2 F2 G2 H2 I2 10 11 12 13 14 15 16 17 18 19 20 21 22 23 24 25 26 27 28 29 30 1 2 3 4 5 6 7 8 9 10a 1a 2a 3a 4a 5a 6a 7a 8a 9a 10b 1b 2b 3b 4b 5b 6b 7b 8b 9b 10c 1c 2c 3c 4c 5c 6c 7c 8c 9c 10d 11a 12a 13a 14a 15a 16a 17a 18a 19a 20a 1d 2d 3d 4d 5d 6d 7d 8d 9d J KLMNOPQRST U V W X Y Z A B C D E F G H I 11b 12b 13b 14b 15b 16b 17b 18b 19b 20b 10a 1a 2a 3a 4a 5a 6a 7a 8a 9a 10b 1b 2b 3b 4b 5b 6b 7b 8b 9b 10c 1c 2c 3c 4c 5c 6c 7c 8c 9c 10d 1d 2d 3d 4d 5d 6d 7d 8d 9d 10a 1a 2a 3a 4a 5a 6a 7a 8a 9a 10b 1b 2b 3b 4b 5b 6b 7b 8b 9b 10c 1c 2c 3c 4c 5c 6c 7c 8c 9c 10d J KLMNOPQRST U V W X Y Z A B C D E F G H I J1 A1 B1 C1 D1 E1 F1 G1 H1 I1 11a 12a 13a 14a 15a 16a 17a 18a 19a 20a J2 10 11 12 13 14 15 16 17 18 19 20 21 22 23 24 25 26 27 28 29 30 1 2 3 4 5 6 7 8 9 J KLMNOPQRST U V W X Y Z A B C D E F G H I 10 11 12 13 14 15 16 17 18 19 20 21 22 23 24 25 26 27 28 29 30 1 2 3 4 5 6 7 8 9 10 11 12 13 14 15 16 17 18 19 20 21 22 23 24 25 26 27 28 29 30 1 2 3 4 5 6 7 8 9 J KLMNOPQRST U V W X Y Z A B C D E F G H I J KLMNOPQRST U V W X Y Z A B C D E F G H I 10a 1a 2a 3a 4a 5a 6a 7a 8a 9a 10b 1b 2b 3b 4b 5b 6b 7b 8b 9b 10c 1c 2c 3c 4c 5c 6c 7c 8c 9c 10d 1d 2d 3d 4d 5d 6d 7d 8d 9d 10 11 12 13 14 15 16 17 18 19 20 21 22 23 24 25 26 27 28 29 30 1 2 3 4 5 6 7 8 9 10 11 12 13 14 15 16 17 18 19 20 21 22 23 24 25 26 27 28 29 30 1 2 3 4 5 6 7 8 9 11a 12a 13a 14a 15a 16a 17a 18a 19a 20a

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Services: Stop Payment Request

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Services

If you’ve previously ordered checks through Kitsap Bank, you can conveniently reorder checks online at any time by signing in to our trusted vendor’s website. Reordering Checks

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In the Services tab, click on Check Reorder . 1. Complete your order on our vendor’s website. Enter the requested information and click the Log In button.

Note : 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.

Services: Reordering Checks

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Services

Along with our app, Online Banking with Kitsap Bank gives you the tools you need to tackle your finances how you want—from a branch, desktop or even your tablet or smartphone. Once approved, you can deposit checks anywhere, anytime from your device. Enroll in Mobile Deposit

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In the Services tab, select Enroll in Mobile Deposit 1. Click the “Terms and Conditions” link and review the document. 2. Click the check box indicating your acceptance of the terms. 3. Click the Accept button when you are finished. 10a 1a 2a 3a 4a 5a 6a 7a 8a 9a 10b 1b 2b 3b 4b 5b 6b 7b 8b 9b 10c 1c 2c 3c 4c 5c 6c 7c 8c 9c 10d 1d 2d 3d 4d 5d 6d 7d 8d 9d J KLMNOPQRST U V W X Y Z A B C D E F G H I J KLMNOPQRST U V W X Y Z A B C D E F G H I 10a 1a 2a 3a 4a 5a 6a 7a 8a 9a 10b 1b 2b 3b 4b 5b 6b 7b 8b 9b 10c 1c 2c 3c 4c 5c 6c 7c 8c 9c 10d 1d 2d 3d 4d 5d 6d 7d 8d 9d J KLMNOPQRST U V W X Y Z A B C D E F G H I Note : Once the bank reviews your information, you will receive an email indicating that the mobile banking service is turned on. You can then log in to the app on your smartphone and find the Deposit Check feature under Transactions. 10a 1a 2a 3a 4a 5a 6a 7a 8a 9a 10b 1b 2b 3b 4b 5b 6b 7b 8b 9b 10c 1c 2c 3c 4c 5c 6c 7c 8c 9c 10d 11a 12a 13a 14a 15a 16a 17a 18a 19a 20a 11b 12b 13b 14b 15b 16b 17b 18b 19b 20b 1d 2d 3d 4d 5d 6d 7d 8d 9d 11a 12a 13a 14a 15a 16a 17a 18a 19a 20a 11b 12b 13b 14b 15b 16b 17b 18b 19b 20b J1 A1 B1 C1 D1 E1 F1 G1 H1 I1 11a 12a 13a 14a 15a 16a 17a 18a 19a 20a 11b 12b 13b 14b 15b 16b 17b 18b 19b 20b

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Services: Enroll in Mobile Deposit

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Services

Mobile Deposits

With a snap of a photo, you can deposit checks into your Online Banking account.

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Log in to our Kitsap Bank Mobile Banking app. In the Services tab, select Deposit Check . 1. Choose the account you would like the check deposited to. 2. Input the dollar amount of the check. 3. Sign the back of the check and write “For Mobile Deposit Only,” then tap the Front of check and Back of check buttons to take an image of the front and back of the check. 4. Verify that all four corners of the check are visible and all elements are legible, then tap the Submit Deposit button when finished. J2 A2 B2 C2 D2 E2 F2 G2 H2 I2 J3 A3 B3 C3 D3 E3 F3 G3 H3 I3 J1 A1 B1 C1 D1 E1 F1 G1 H1 I1 J2 A2 B2 C2 D2 E2 F2 G2 H2 I2 J3 A3 B3 C3 D3 E3 F3 G3 H3 I3 11a 12a 13a 14a 15a 16a 17a 18a 19a 20a 11b 12b 13b 14b 15b 16b 17b 18b 19b 20b 1d 2d 3d 4d 5d 6d 7d 8d 9d J1 A1 B1 C1 D1 E1 F1 G1 H1 I1 J2 A2 B2 C2 D2 E2 F2 G2 H2 I2 J3 A3 B3 C3 D3 E3 F3 G3 H3 I3 10a 1a 2a 3a 4a 5a 6a 7a 8a 9a 10b 1b 2b 3b 4b 5b 6b 7b 8b 9b 10c 1c 2c 3c 4c 5c 6c 7c 8c 9c 10d 11a 12a 13a 14a 15a 16a 17a 18a 19a 20a 11b 12b 13b 14b 15b 16b 17b 18b 19b 20b 1d 2d 3d 4d 5d 6d 7d 8d 9d J1 A1 B1 C1 D1 E1 F1 G1 H1 I1 Note : This feature is only available when using our mobile app on your device. 11a 12a 13a 14a 15a 16a 17a 18a 19a 20a 10a 1a 2a 3a 4a 5a 6a 7a 8a 9a 10b 1b 2b 3b 4b 5b 6b 7b 8b 9b 10c 1c 2c 3c 4c 5c 6c 7c 8c 9c 10d 1d 2d 3d 4d 5d 6d 7d 8d 9d J KLMNOPQRST U V W X Y Z A B C D E F G H I 10a 1a 2a 3a 4a 5a 6a 7a 8a 9a 10b 1b 2b 3b 4b 5b 6b 7b 8b 9b 10c 1c 2c 3c 4c 5c 6c 7c 8c 9c 10d 1d 2d 3d 4d 5d 6d 7d 8d 9d 11b 12b 13b 14b 15b 16b 17b 18b 19b 20b J1 J KLMNOPQRST U V W X Y Z A B C D E F G H I A1 B1 C1 D1 E1 F1 G1 H1 I1 11a 12a 13a 14a 15a 16a 17a 18a 19a 20a 11b 12b 13b 14b 15b 16b 17b 18b 19b 20b 10a 1a 2a 3a 4a 5a 6a 7a 8a 9a 10b 1b 2b 3b 4b 5b 6b 7b 8b 9b 10c 1c 2c 3c 4c 5c 6c 7c 8c 9c 10d 10 11 12 13 14 15 16 17 18 19 20 21 22 23 24 25 26 27 28 29 30 1 2 3 4 5 6 7 8 9

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Services: Mobile Deposits

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Commercial

User Overview

Depending on your number of employees, owners and company policies, Cash Management lets you set up multiple users with different responsibilities. After establishing a company policy with your accountant or financial advisor, new users can be created with their own unique usernames and passwords. Each user is assigned a set of user rights that permits or prevents them from performing certain actions such as: • Sending or drafting payments and creating templates for certain transaction types. • The number of approvals that can be completed in a day or the dollar amount in a specific transaction. • Accessing specific accounts. • Managing recipients, users and templates. Authorized users can set up the features, accounts and rights each user needs to do their job. Establishing these rights gives users permission to perform specific tasks, helping you manage your business and making it run as smoothly as possible.

Commercial: User Overview

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User Management Overview The User Management page lets you view all your existing users and their contact information in one easy place. From here, you can create users, edit rights and oversee your employees on a day-to-day basis. 10

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• Email address • Last login time 10a 1a 2a 3a 4a 5a 6a 7a 8a 9a 10b 1b 2b 3b 4b 5b 6b 7b 8b 9b 10c 1c 2c 3c 4c 5c 6c 7c 8c 9c 10d 11a 12a 13a 14a 15a 16a 17a 18a 19a 20a 1d 2d 3d 4d 5d 6d 7d 8d 9d J KLMNOPQRST U V W X Y Z A B C D E F G H I 10 11 12 13 14 15 16 17 18 19 20 21 22 23 24 25 26 27 28 29 30 1 2 3 4 5 6 7 8 9

In the Commercial tab, click Users . A. The following information presents for each user: • Name 10a 1a 2a 3a 4a 5a 6a 7a 8a 9a 10b 1b 2b 3b 4b 5b 6b 7b 8b 9b 10c 1c 2c 3c 4c 5c 6c 7c 8c 9c 10d 1d 2d 3d 4d 5d 6d 7d 8d 9d

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B. Click the C. Click the icon to edit a user. A1 B1 C1 D1 E1 F1 G1 H1 I1 A2 B2 C2 D2 E2 F2 G2 H2 I2

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icon next to the Users column to sort users in alphabetical or

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reverse alphabetical order, by email address or last login. D. Locked logins will appear in red. Go to page 27 for more information about unlocking logins. A3 B3 C3 D3 E3 F3 G3 H3 I3 J2 J3

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Commercial: User Overview

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Adding a New User An authorized user with Manage Users rights can set up a new user by first creating a profile and a unique login ID and password. Once you establish a user and their login credentials, you can begin assigning user rights by accessing their User Policy.

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Commercial: User Overview A1 B1 C1 D1 E1 F1 G1 H1 I1 A2 B2 C2 D2 E2 F2 G2 H2 I2 A3 B3 C3 D3 E3 F3 G3 H3 I3 A1 B1 C1 D1 E1 F1 G1 H1 A2 B2 C2 D2 E2 F2 G2 H2 A3 B3 C3 D3 E3 F3 G3 H3 11a 12a 13a 14a 15a 16a 17a 18a 19a 11b 12b 13b 14b 15b 16b 17b 18b 19b 11a 12a 13a 14a 15a 16a 17 11 12 13 14 15 16 17 18 21 22 23 24 25 26 27 28 1 2 3 4 5 6 7 8 K L M N O P Q R U V W X Y Z A B C D E F G H 11 12 13 14 15 16 17 18 19 21 22 23 24 25 26 27 28 29 1 2 3 4 5 6 7 8 9 K L M N O P Q R S U V W X Y Z A B C D E F G H I 11b 12b 13b 14b 15b 16b 17 A1 B1 C1 D1 E1 F1 G1 A2 B2 C2 D2 E2 F2 G2 A3 B3 C3 D3 E3 F3 G3 1a 2a 3a 4a 5a 6a 7a 8a 1b 2b 3b 4b 5b 6b 7b 8b 1c 2c 3c 4c 5c 6c 7c 8c 1a 2a 3a 4a 5a 6a 7a 8a 9a 1b 2b 3b 4b 5b 6b 7b 8b 9b 1c 2c 3c 4c 5c 6c 7c 8c 9c 11a 12a 13a 14a 15a 16a 17a 18a 11b 12b 13b 14b 15b 16b 17b 18b 1d 2d 3d 4d 5d 6d 7d 8d 9d 1d 2d 3d 4d 5d 6d 7d 8d

10a 1a 2a 3a 4a 5a 6a 7a 8a 9a 10b 1b 2b 3b 4b 5b 6b 7b 8b 9b 10c 1c 2c 3c 4c 5c 6c 7c 8c 9c 10d 1d 2d 3d 4d 5d 6d 7d 8d 9d In the Commercial tab, click Users . 1. Click the Add User button in the top right corner. 2. Enter the user’s first name, last name and email address. 3. From the “Phone Country” drop-down, select the user’s country and enter their phone number. 4. Create a unique login ID for your new user. 5. Enter a password following our guidelines and confirm it. 6. Click the Save New User Details button when you are finished. You will then be taken to the User Policy page to establish the new user’s rights. 7. If your user should have Deposit Connect rights, please request that by sending us a secure message under Messages. J2 J3 J3 J1 J2

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Part 1 of 5: Establishing Transaction Type Rights You can assign and edit user rights in the Overview tab. This helps you decide which responsibilities and limitations a user can have regarding certain transactions. Here, you can change a user’s approval limits and decide which transaction types they can view, draft, approve or cancel.

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1. Choose a type of transaction to assign rights for. You can also use the “Transaction Filter” drop down to narrow your choices. 2. Choose whether a user can draft, approve, cancel or view a specific transaction by checking the appropriate boxes. • Draft : Create a transaction or template that needs approval from an authorized user. • Approve : Send or accept drafted transactions. • Cancel : Reject a drafted or unprocessed transaction. 3. Use the drop-down to change which transaction activity a user can view. 10a 1a 2a 3a 4a 5a 6a 7a 8a 9a 10b 1b 2b 3b 4b 5b 6b 7b 8b 9b 10c 1c 2c 3c 4c 5c 6c 7c 8c 9c 10d 11a 12a 13a 14a 15a 16a 17a 18a 19a 20a 11b 12b 13b 14b 15b 16b 17b 18b 19b 20b 1d 2d 3d 4d 5d 6d 7d 8d 9d J1 A1 B1 C1 D1 E1 F1 G1 H1 I1 J2 A2 B2 C2 D2 E2 F2 G2 H2 I2 J3 A3 B3 C3 D3 E3 F3 G3 H3 I3 11a 12a 13a 14a 15a 16a 17a 18a 19a 20a 11b 12b 13b 14b 15b 16b 17b 18b 19b 20b 1d 2d 3d 4d 5d 6d 7d 8d 9d J1 A1 B1 C1 D1 E1 F1 G1 H1 I1 J2 A2 B2 C2 D2 E2 F2 G2 H2 I2 J3 A3 B3 C3 D3 E3 F3 G3 H3 I3

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• Own: Can view only their activity. • All: Can view activity of all users. • No: Cannot view activity of any user.

Note : Users must have the All view right enabled to approve transactions.

Commercial: User Overview