ACNB Treasury Management Online Guide WCAG 2.0
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
We work hard to provide our customers with the financial tools they need to achieve the goals in life that matter. One of those important tools is Business Online Banking. Our Business 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 Business Online Banking with ACNB Bank.
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Table of Contents
ACNB Bank
General Information Security.................................................................................................4 Logging In...........................................................................................8 Home.....................................................................................................9 Messages Messages...........................................................................................10 Transactions Account Details...............................................................................11 Activity Center.................................................................................12 Funds Transfer..................................................................................13 Stop Check Payment......................................................................14 Business Online Banking Overview............................................................................................15 Features and Accounts.................................................................16 User Roles..........................................................................................17 Create a User.....................................................................................18 Adding Subsidiaries.......................................................................................19 Edit or Delete a Subsidiary..........................................................20 Adding Recipients..........................................................................21 Edit or Delete a Recipient............................................................22 Setup a Template............................................................................23 Review and Submit........................................................................26 Dual Authorization / Payment Approval................................27 Additional Features eDocuments.....................................................................................28 Account Preferences......................................................................29 Alerts...................................................................................................30 Security Alerts..................................................................................31 Security Preferences......................................................................32 Profile..................................................................................................33
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Business Bill Pay Getting Started................................................................................34 Navigation.........................................................................................35 View Scheduled Transactions.....................................................36 Single Payment: Individual..........................................................37 Single Payment: Bill........................................................................38 Edit a Single Payment....................................................................39 Setup a Recurring Payment........................................................40 Edit a Recurring Transaction.......................................................41 Payment Approval..........................................................................42 Add a Payee......................................................................................43 Edit a Payee.......................................................................................44 Import Payees..................................................................................45 Manage Categories........................................................................46 Company Profile..............................................................................47 Manage Bill Pay Accounts............................................................48 Modify User Permissions..............................................................49 Personal Profile................................................................................50 e-Notifications.................................................................................51 Reports...............................................................................................52 Positive Pay Overview............................................................................................53 Locations Branches and ATMs........................................................................54
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General Information
Security
By following our tips, Business Online Banking at ACNB Bank can be a safe and efficient method for handling your banking needs. For additional security tips, visit the Security Center at www.acnb.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. Do not use the same password for all of your online activities. 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 ACNB Bank, making it difficult for anyone to access your account information. Secure Access Code Business Online Banking offers additional Treasury Management services over basic consumer online banking and therefore requires extra security methods. You will need to have an additional layer of authentication each time you login to your business online banking session. This is accomplished using a Symantec VIP Security Token, specifically designated to you, which presents a six digit code that lasts for 30 seconds. The bank will issue each User a physical (or hard) token, or you can download a virtual (or soft) token as an App to a Smartphone. Your login will now consist of your User Name, your password, and the six digit code presented on your token at that moment in time. Browser Registration In addition to your personal password security, we have added another layer of security called browser registration that runs in the background and helps verify your identity at login. Do not allow your browser to save your passwords. Business 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 your password regularly. > Exit your Business Online Banking session when finished. > Do not leave your computer unattended when logged in to Business Online Banking. > Do not use public computers or unsecured WiFi when accessing. > If you receive an error when logged into your account, report the error to a customer service representative at 1.866.584.8949 ext. 2.
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General Information
Security
ACNB Bank 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 ACNB Bank, please report the incident to a customer 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 It is important that you are aware of the dangers of 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 data to access your accounts, open new accounts, apply for credit, purchase merchandise, and commit other crimes using your identity.
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 Customers
Any business that has interest in the Treasury Management features of our Business Online Banking system can establish service by contacting the ACNB Bank Treasury Management Department at 1-866-584-8949 ext. 2. A Treasury Management Sales Officer will be available to discuss the specific requirements for use of each service and any associated fees. This Officer will gather the appropriate business information in order to execute the necessary documentation to get service established. After the Treasury Management Department has completed your customer set-up, a member of the Treasury Management team will contact you with Login and Password information for each User. They will also work with you to issue a physical token or virtual token, depending on each User’s preference.
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General Information
Current Banking Users
Whether you are a completely new User of ACNB Bank’s Business Online Banking system, or a previous Retail Banking Customer being upgraded to the business platform, your first time access to the Business Online Banking site takes place as follows: 1. Type www.acnb.com into the address bar on your browser to access the ACNB Bank Business Online Banking system. 2. Enter the Login ID and password as given to you by the Treasury Management Department. If you have forgotten your password, click the Forgot Password link to reset your password. 3. On the next screen, enter the six digit token code that presents on your Symantec VIP Security token when you press the button, then click submit . 4. Because this is your first time accessing the system, you will need to wait 30 seconds and enter a second token code as well. 5. Congratulations! You will then be logged in to ACNB Bank’s Business Online Banking.
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General Information
Logging In
Once you have been officially established as a Business Online Banking User by the Treasury Management Department and logged into Business Online Banking at least once, follow these steps for subsequent logins.
1. From www.acnb.com’s Login to Business Online Banking login box, enter your Login ID and Password . Click Log In . 2. Forgot your password? Simply enter your Login ID, leave the Password field blank, and click on the Forgot Password option. Click Log In . 3. You will be presented with a screen to enter your Secure Access Code . Press the button on your Symantec VIP Security Token to display the six digit code. Enter the code on this screen and press Submit . Remember that your code is only valid for 30 seconds. What is a Symantec VIP Security Token? A Symantec VIP Security Token is required for Business Online Banking Users to add an extra layer of authentication at time of sign-on. The bank will issue each Business Online Banking User a physical (or hard) token, or you can download a virtual (or soft) If this device is a “private” device where you have exclusive access, you may want to register 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, for example, at a public library. Logging Off As a secure practice, you should log off your Business Online Banking session with ACNB Bank before you close out of your Business Online Banking session, or anytime you walk away from your computer. For additional security, ACNB Bank will log you out auto- matically due to inactivity or when your online session reaches the maximum time limit. token as an App to a Smartphone. Should I register my device?
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General Information
Home
The Home Screen will give you an overview of all of your accounts at ACNB Bank 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. View details or a check image by clicking > next to the account. 2. You can scroll through the account summaries by clicking Next or Previous at the bottom of the summary box. 3. Need an action done in a hurry? In the top right
corner, you will notice options for easy access tools. These Quick Action options allow you to swiftly: transfer money and view the Commercial Transactions.
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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 bank communications.
To View Messages:
Click on the Messages tab. 1. Messages are displayed at the left side of the screen. Click the message that you would like to read. 2. Delete or reply to a message in the upper right corner of the message. 3. Create a new message by selecting New Conversation . 4. Messages automatically expire after a certain period of time has passed. A message can be saved indefinitely by selecting this box.
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Transactions
Account Details
To View Account Details:
From your Business Online Banking Home Page , click an account for more information. 1. You can organize the transactions for this account by date, description or transaction amount by clicking the column header. 2. If you click on the description of a specific transaction, you will see more details like the specifics of a multi-element deposit. You can then click a single element of this deposit for more information like the image of a check. 3. You can also print this transaction or click Ask about Transaction where you can compose a secure message. 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. You can then choose to click Print . 7. You could Export your filtered selection to then save on your computer or device.
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Transactions
Activity Center
The Activity Center shows transaction activity initiated through Business Online Banking with ACNB Bank. Depending on the type of account and access, you can review, approve and cancel unprocessed transactions. Whether single or recurring transactions, view debits/credits, and verify the status, type, amount, account, and date of your online activity. As a business, it is always best to review your account activity daily.
To View Online Activity:
Click on the Activity Center tab. 1. You can choose to view Single Transactions, Recurring Transactions, or Deposited Checks by clicking on the
corresponding tab. Click on a transaction to view additional details.
2. Click Show Filters for additional search options. 3. Click on the transaction to see more information.
Treasury customers can easily view status and ownership as well as the process workflow for each transaction.
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Transactions
Funds Transfer
Business Online Banking enables you to transfer funds between your own ACNB Bank accounts quickly and easily.
To Transfer Funds:
Click on the Funds Transfer tab. 1. Select the accounts that you wish to transfer funds From and To using the dropdown menus. 2. Enter the dollar amount and date to process the transaction. 3. (optional) If you wish to setup a recurring transaction, click the checkbox 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 completed entering the required 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 transfers by accessing the Recurring Transfer tab within the Activity Center.
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Transactions
Stop Check Payment
Using Business Online Banking with ACNB Bank, you can initiate a stop check payment request from any device. Visit the Activity Center to review the status of your request. The stop payment will remain in effect for six months. Contact ACNB Bank’s Treasury Department at 1.866.584.8949 ext. 2 for current fee information. To Initiate a Stop Payment Request:
Click on the Stop Payment tab. 1. Select request type; single or multiple checks. 2. Select an account, check number, and other requested information. 3. Click Send Request .
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Business Online Banking
Overview
If your company has complex banking needs, such as high transaction volumes, ACH/ Wire transfers or a large number of employees, Treasury Management features offered through Business Online Banking with ACNB Bank will help simplify your daily needs. You can manage entitlements, send and receive payments and generate reports. Begin by defining entitlements at the company level from the Company Policy page. Then specify user roles that set limits and rules for individuals or user groups. Overview:
Click on the Company Policy tab. 1. Click the transaction type to define entitlements at the company level. 2. This screen is where you will define parameters on
Allowable Actions including: Draft Amount, Approvals, Subsidiaries, Accounts, Hours, Locations and IP Addresses 3. Click on the Approval Limits tab and see the account limits at the company level. 4. Click the Add New Allowable Action button to add a new set of criteria. 5. You can use the Policy Tester to test an example transaction. 6. After changes have been initiated a Save button will appear at the top of the page. Click Save and Close .
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Features and Accounts
Business Online Banking
Features:
From the Company Policy page, select the Features tab across the top 1. View all of the allowable features at the company level. You can define allowable features from the User Roles tab. 2. After changes have been initiated a Save button will appear at the top of the page. Click Save and Close .
Accounts:
Click on the Company Policy tab, click the Accounts tab across the top. 1. Here you can view the Accounts associated within your company and define account viewing rights from the User Roles tab. 2. After changes have been initiated a Save button will appear at the top of the page. Click Save and Close .
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Business Online Banking
User Roles
A user role is comprised of a set of rules that governs access to features, accounts, and transaction types that can be assigned to multiple users. For example, you can define the differences in access that a payroll administrator would have in comparison to your two payroll clerks, or a location manager compared to an owner. This feature allows you to setup checks and balances within your payment processes.
User Roles:
Click on the User Roles tab. 1. A new user role can be created by clicking Create Role . 2. To review users assigned to a specific role, click on the number in the Users column and the users will appear below. 3. If you know that you would like to edit the roles, click on the icon next to the user role that you would like to edit. These changes will apply to all users assigned to this user role. You can also click the icon at the top of the page once reviewing the rules for that user role. 4. Define Allowable Actions , Rights , and Approval Limits as well as Features and Accounts for which that user will have access. 5. You can Delete a User Role at the top of the Company Policy page.
Limits and allowances created in User Roles are further limiters to what is allowed at the company level. Restrictions may not exceed the limits set in the Company Policy.
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Business Online Banking
Create a User
Online Banking Administrators or System Managers have the ability to create new users. Giving each individual his/her own login to your online banking accounts gives you the ability to restrict accounts that they can see and the functions that they can perform. All users of the system should always have a unique login, password and token credential. This allows for a very detailed audit trail of activity when necessary.
To Create a New User:
Click on Users . 1. To create a new user click Add User on the right. 2. Be sure to input a unique login ID and password to be used by this user. 3. You can assign a User Role at this point or leave it unassigned and assign it later. 4. When finished, click Save . 5. After a User is created, the Treasury Management Department at ACNB Bank will receive notification. 6. A member of the Treasury Management team will contact you via phone to confirm the additional User and complete the process. Be prepared to discuss whether this User will use a virtual token or will need a physical token. 7. In the View User screen you can edit role assignments of new or existing users. You can also Deactivate or Delete the user here.
Users can edit their personal information through the Update Profile tab fromwithin their own account.
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Adding Subsidiaries
Business Online Banking
Subsidiaries are secondary or alternate company profiles that you can use when creating a payment or a template. Use subsidiaries when your business requires that you create 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 1. On the Subsidiary Management page, click Add Subsidiary . 2. Fill out the required information regarding the subsidiary. 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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Business Online Banking
Edit or Delete a Subsidiary
To Edit a Subsidiary: Click on the Subsidiaries tab.
1. Find the Subsidiary you wish to edit and click on the Edit icon: 2. Make the needed changes. When finished, click Save Subsidiary .
To Delete a Subsidiary: Click on the Subsidiaries tab.
1. Find the Subsidiary you want to delete and click the Edit icon: 2. Click the Delete Subsidiary button. When finished, click Close .
Deleting a subsidiary does not delete the subsidiary data from existing payments that use the subsidiary.
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Business Online Banking Adding Recipients
A recipient is any person or business with whom your business may exchange funds. You can send payments to a recipient. After a recipient is created, you can include them in multiple payments or templates simultaneously. Each recipient entry contains the recipients’ contact and account information.
To Add a Recipient:
Click on the Recipients tab. 1. Click the Add Recipient button on the right. 2. Fill out the required information regarding the recipient. Fields marked with an asterisk are required fields. 3. Click the Add Account button on the right. A new tab will appear called Account New . 4. Select the Account Type and enter the account and routing number. 5. (Optional) If you plan to use the account with wire transfers, you will need to enter information for the Beneficiary bank and Intermediary bank (if necessary). 6. When finished, click Create Recipient.
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Edit or Delete a Recipient
Business Online Banking
To Edit or Delete a Recipient:
Click on the Recipients tab. 1. Find the recipient you would like to edit and click the edit icon: 2. Here, you can choose to edit contact or account information regarding this recipient and click Save Recipient . 3. You can also delete the recipient by simply clicking Delete Recipient .
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Business Online Banking Setup a Template
The Payments tab is your place to establish one-time or recurring payments to recipients. 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 at 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. In the Info and Users tab, indicate which users should have access to this template. You can find users by typing the name in the Search bar, or checking the name below. 3. When you have established a template name and user access, click Next .
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Business Online Banking Setup a Template (cont.)
Step Two: Recipient and Amount
1. Select a recipient that you wish to pay. You can find recipients by typing the name in the Search bar, or checking the name below. 2. Once you have chosen your recipient, enter the Amount you wish to pay them. You can also include an Addendum. 3. You can also add a recipient at this point and remain within your template workflow. Click Add Recipient and you will be directed to the Add Recipient page to enter the information, and then conveniently return to this place in the payment workflow. 4. If you have a batch of recipient information you can import this by clicking the Import Amounts button. Your information will autopopulate in the fields below. 5. You can select recipients to pay or not pay by toggling the Pay button. You can conveniently notify recipients of your payment by toggling the Notify button. 6. You can choose to edit or send a memo with the payment by selecting the icons at the end of the chosen recipient. 7. Once you have completed the recipient(s) and payment information, click Next .
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Setup a Template (cont.)
Business Online Banking
Step Three: Subsidiary
1. Select the Subsidiary . You can find subsidiaries by typing in the name in the search bar, or checking the name below. 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 the 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. 2. When finished, click Next .
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Business Online Banking Review and Submit
Step Five: Review & Submit
1. Select the Effective Date (payment date). 2. Review the information and if it is correct, click Save 3. Then, depending on user rights, select Draft or Approve . 4. If you would like to make this a recurring transaction, click on Set Schedule to set the frequency of this transaction.
The User Roles may restrict a user to only have the rights to draft payments. It will appear in the Activity Center as a pending payment. An authorized user must login to approve the transaction. Review the Dual Authorization page in this book for more information.
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Business Online Banking Dual Authorization / Payment Approval
With Dual Authorization you can create a sense of security within your organization. You can create an approval process so that a single user cannot draft and approve the same transaction. Different transactions can be set up with different allowances and restrictions. Restrictions include defining criteria like which account to pay from, maximum amount, and types of transactions. You can set up dual enrollment rights when creating a template, defining user roles, or at the company policy level. At ACNB Bank, we require the use of Dual Authorization for all ACH originations and wire transfers. To Authorize or Approve a Transaction:
From the Activity Center . 1. If you have the allowed rights to approve transactions, you can do so by simply using the Actions drop-down on the right of the chosen transaction. 2. If more than one authorization is required for a transaction type, the number of approvals received/needed will be reflected in the Approvals column.
Within Transaction Creation . 3. If you are an authorized user, you can also approve a transaction within the flow of the transaction creation by selecting Approve at the end of the process. This approval will be reflected in the Activity Center under the Approvals column.
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Additional Features
eDocuments
The eDocument 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 Services tab and then eDocuments . 1. You can sort your available views by choosing different drop-downs. 2. Click the icon to view a printable version. To view or print multiple documents, click the checkbox next to each document and then the View and Print Selected Documents button. 3. Click the icon to view the corresponding statement in an interactive HTML format. With the HTML version you can use additional sorting and balancing features, as well as to view and print images of your checks. 4. You can check several boxes to view or download several months at the same time. 5. Click View and Print Selected Documents when you have all documents clicked that you desire to view or download.
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Settings
Account Preferences
In Account Preferences you can select name and viewing preferences for your ACNB Bank accounts.
To Set Up or Change Your Viewing Preferences:
Click on the Account Preferences tab under Preferences . 1. Customize nicknames for your accounts. 2. Change the display order of accounts on the home page by entering a number on the right side of the nickname. 3. When you are happy with your choices, click Submit .
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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 Business 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, and Transaction alert preferences.
Delivery preferences include: •
Secure Message within Business Online Banking
• • •
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 button. Choose the kind of alert that you wish to create from the dropdown. 2. To view the alerts for each category, click the > to the left of the category header. 3. You can easily toggle an alert On/Off without deleting the alert by clicking the toggle button. 4. To view details of an already existing alert, choose the Edit link on the right end of the alert box.
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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 profile. Security Alerts can be delivered via Secure Message within Online Banking, SMS text message and phone call. Security Alerts will not be delivered via email.
To Edit Security Alerts and Delivery Preferences:
Click on the Alerts tab, Click on the > Next to Security Alerts . 1. To activate 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. 3. Enter the contact information for your preferred delivery method. 4. Click Save when finished. 5. If an option is grayed out, you are not able to edit or disable this alert.
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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.
Password When changing your
password, make sure 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 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
Profile
It is important to maintain current contact information on your account. Updating your Online Banking profile does not update your customer contact information at ACNB Bank. Please call us at at 1.866.584.8949 ext. 2 to change your name, address, email or phone numbers.
To View and Update Your Profile:
Click on the Profile Tab. 1. Input new information into the spaces provided that you would like to be changed like name, address, email, and phone. 2. Click Submit Profile to save.
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Business Bill Pay
Getting Started
With Bill Pay, you can conveniently make one-time payments or set up reoccuring payments so that you do not have to remember to complete a transaction each month. It is easy to set up national billers to pay your phone bill or credit cards, as well as pay the lawn maintenance company. The first time that you click the Business Bill Pay link under Transactions, you will be asked to choose an account to use within Business Bill pay and to accept the terms and conditions. You will also create a Security Key , which will display each time you access Business Bill Pay. If you do not see the Security Key you created, sign out of Online Banking immediately and contact Treasury Management at 866.584.8949, Ext. 2. To Get Started with Bill Pay:
Click on the Bill Payment link. 1. Across the top you will see the Payments , Payees , and Options tabs where you can quickly navigate to the different areas of bill pay. 2. Under New Messages , you will see any new or unread messages. 3. Scheduled Transactions show the next 30 days of scheduled transactions. 4. In the Attention Required area, you will see a list of payees awaiting activation or payments waiting approval. 5. The History shows any payments successfully processed in the last 30 days.
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Business Bill Pay
Navigation
Clicking on each tab across the top will provide you with different options to add payments or payees as well as manage user access. These tabs make navigating Bill Pay quick and efficient. Some menu items such as Single Payment or Recurring Payment have additional options that will appear when clicked.
To Navigate Bill Pay:
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View Scheduled Transactions
Business Bill Pay
Bill Pay with ACNB Bank is simple. To view transactions currently scheduled to be debited from your accounts, follow the instructions below.
To View Scheduled Transactions:
Click on the Bill Payment link. 1. Click the Payments tab. 2. Select Scheduled Transactions ; a new window will open listing all open pending payments. 3. To view a payment, click View Details . 4. A payment can be edited by clicking Edit and changing the details on the next screen. 5. A payment can be stopped completely prior to processing by clicking Stop .
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Single Payment: Individual
Business Bill Pay
When you need to send a payment to an individual, follow the instructions below. Payees created through this process will be stored for future use.
To Pay an individual:
Click on the Bill Payment link. 1. Click the Payments tab. 2. Select Single Payment and then For an individual from the new selections. 3. Next, under Payees , click Add a person . 4. A new screen will appear where the payee can be paid electronically or by check. Even with electronic payment, not all of the information needs to be known. If banking account information is known, select I have the bank account
information and enter the information necessary. If you do not have all of the banking information select the radio button for Allow them to provide their banking information. 5. Fill in the known information and click Next so that ACNB Bank can contact the individual for banking information.
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Single Payment: Bill
Business Bill Pay
When you need to send a payment to your lawn maintenance company, or electric company, a single, one-time payment may be appropriate. Follow the instructions below to pay a bill. You can enter information for national or local companies. Payees created through this process, will be stored for future use. To Pay a Bill:
Click on the Bill Payment link. 1 . Click the Payments tab. 2. Select Single Payment and then For a Bill from the new selections. 3 . Select a Payee from the list. 4. Be Sure to select the Account to Pay From and enter the dollar amount to be paid. 5. Use the convenient Calendar to choose the Process Date. 6. An Invoice or Comment can be added by clicking Invoice/ Comment . 7. Click Submit to authorize the payment to be debited from your account on the processed date for electronic payments.
A payee must be activated before a payment can be scheduled. This can be done in the Payee list, or in e-Notifications.
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Edit a Single Payment
Business Bill Pay
Changes can be made to a scheduled payment by following the instructions below. This can be done up until the time of processing.
To Edit a Single Payment:
Click on the Bill Payment link. 1. Click the Payments tab. 2. Select Scheduled Transactions . 3. Click Edit on the new screen edit the details of the transaction. 4. Click Submit when completed.
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Setup a Recurring Payment
Business Bill Pay
Staying on top of bills is made easier with recurring payment. You can choose to setup recurring payments at varied intervals for each bill. Setting up a recurring payment takes only a few moments, and saves you time from not entering a payment each time a bill is due. You can also choose to receive a reminder of the pending bill instead.
To Setup a Recurring Payment:
Click on the Bill Payment link. 1. Click the Payments tab.
2. Select Recurring Payment and then choose whether the payment will be for a bill or an individual. The process will be similar to creating a Single Payment with the additional options of frequency. 3. Be sure to select an account to Pay From as well as the Amount and Comment if desired. 4. Designate the frequency of which you would like this payment made as well as if/ when you would like this payment series to end. 5. Click Submit .
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Edit a Recurring Transaction
Business Bill Pay
Recurring transactions may be edited at any time. You may change the frequency, or date of the recurring transaction, or delete it completely.
To Edit a Recurring Transaction:
Click on the Bill Payment link. 1. Click the Payments tab. 2. Select Scheduled Transactions ; a new window will open listing all open pending payments. 3. Click Edit on the new screen, then edit the details of the transaction. Scheduled transactions can be skipped or changed. 4. Click Submit when completed.
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Business Bill Pay
Payment Approval
Sometimes, depending on how a user is set up and what rights have been assigned to the user, a payment may be designated as “needs approval”. You will see notifications of payments awaiting approval in the Attention Required Area center. To approve, an authorized user must login to approve each transaction that hit certain criteria.
To Approve a Payment:
Click on the Bill Payment link. 1. Click the Payments tab. 2. Click Payments Awaiting Approval on the right side of the screen. 3. A new screen will open showing all pending payments awaiting approval. Click Approve to authorize each transaction. 4. The transaction can be viewed or edited from this screen by clicking View Details or Edit .
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Business Bill Pay
Add a Payee
You can start the bill pay process by creating a payment, as discussed on previous pages, or you can start by inserting the information for each payee. Adding companies, individuals, or financial institutions that you pay frequently making future bill payment simple and efficient.
To Add a Payee:
Click on the Bill Payment link. 1. Click the Payees tab. 2. Click Add a Payee . 3. Choose what type of payee will be added by clicking Go There Now link below the appropriate type. 4. On the next pages, enter the information needed, then click Next . 5. Continue adding all necessary information and then click Submit Payee . 6. The last page will ask whether you would like to Schedule a Payment to this Payee or Add another Payee .
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Business Bill Pay
Edit a Payee
Editing the simple details of a payee is simple within your bill pay. For more complicated changes, please submit a Payee Change Request to ACNB Bank.
To Edit or Deactivate a Payee:
Click on the Bill Payment link. 1. Click the Payees tab. 2. Click View Payees . 3. Payees can be sorted by categories using the tabs across the top or by using the Sort Payees drop-down menu. 4. To edit a payee, click Edit to the right of the payee name. 5. Edit the payee’s information. When completed, click Save . 6. If additional payment details for this payee need to be changed, click Submit a Payee Change Reques t. 7. Payees can also be activated from this area.
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Business Bill Pay
Import Payees
Payees used in QuickBooks or Quicken can be easily imported through the Import Payees function.
To Import Payees:
Click on the Bill Payment link. 1. Click the Payees tab. 2. Click Import Payees . 3. Click the link to import payees from QuickBooks or Quicken.v
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Business Bill Pay
Manage Categories
Categories are groups of payees that help organize your bills and create your budgets. To Manage Categories:
Click on the Bill Payment link. 1. Click the Payees tab. 2. Click Manage Categories . 3. Click Add New Category to create a brand new category. 4. Payees can be moved into new categories by clicking and dragging each payee into the new desired category. 5. Payees and Categories can be matched up using the dropdowns. When matched as desired, click Add to Category . 6. To remove a category, click Remove next to the appropriate category. All payees in that category will now appear in the area Payees Not Assigned to a Category section at the top.
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Business Bill Pay
Company Profile
Easily change information associated with your account at ACNB Bank by modifying your company profile.
To Modify Company Profile:
Click on the Bill Payment link. 1. Click the Options tab. 2. Click Company Profile .
3. Change the information that ACNB Bank has on file for your company . 4. Change whether Dual Requirements are required by selecting ON/OFF. 5. Be sure to click Submit when completed.
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Manage Bill Pay Accounts
Business Bill Pay
Easily add or edit your bill pay accounts through the Manage Bill Pay Accounts function.
To Manage Bill Pay Accounts:
Click on the Bill Payment link. 1. Click the Options tab. 2. Click Manage Bill Pay Accounts . 3. Select the Bill Pay Accounts tab to Edit or Delete an account. 4. Select the Add New Account tab to input information to create a new account to use in Bill Pay, click Submit .
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Modify User Permissions
Business Bill Pay
The Users that have access to your account should be monitored. Through User Permissions, you can give each user different access to your accounts, amount of debit allowable, as well as other permissions. Carefully consider each users permissions.
To Modify User Permissions:
Click on the Bill Payment link. 1. Click the Options tab. 2. Click Manage Users . 3. Select a User to modify, click Permission Settings . 4. In the new screen, the current permissions are displayed. To change any elements, click Edit User Permissions . 5. After this, the categories on the left will become selected and permissions can be changed for different features within bill pay. Simply select or deselect checkboxes next to a feature. 6. Be sure to click Save Changes before exiting. 7. Original permissions can be restored at any time by clicking Restore Original Permissions . This restore applies to all elements of user permissions for this particular user.
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Business Bill Pay
Personal Profile
It is important to keep the contact information about your company up-to-date with ACNB Bank. You can easily change these elements as well as personalize your bill pay experience below.
To Modify Personal Profile:
Click on the Bill Payment link. 1. Click the Options tab.
2. Click Personal Profile , a menu will appear with additional options. View Contact Info: Here the contact information on file can be changed including Phone Numbers, Email Addresses, or Text Message numbers. Default Page: Here the page to which the Bill Pay opens to can be changed including Home Page, Main, Single payment, Calendar, or Shortcut.
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Business Bill Pay
e-Notifications
ACNB Bank makes keeping on top of payments and bills simple, but it becomes even easier when you setup e-Notifications associated with your account. There are several triggers that can send an e-Notification so that you are always on top of what is happening with your accounts.
To Modify Bill Pay e-Notifications:
Click on the Bill Payment link. 1. Click the Options tab. 2. Click e-Notifications , a menu will appear with additional options. Event: Develop customized communications where you are notified each time a particular event occurs through this bill pay account. Logout: Choose to receive a customized email summary of bill pay activities. Recurring: Email notifications can provide a list of bill pay information. Reminders: schedule reminders for each time payments need to be made or funds transferred.
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Business Bill Pay
Reports
You can receive a detailed overview of your spending habits, helping you better manage your finances by running a series of regular reports. You can view them on your computer or you can download them locally to your hard drive.
To Create or Run a Report:
Click on the Bill Payment link. 1. Click the Options tab. 2. Click Reports . 3. Choose a Report Type listed on the left. 4. A new window will open with designators to customize the report. When satisfied, click Create Report . 5. The report will appear in the same window, where the option will be presented to print or export the report to an electronic file.
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