1. iBanking-Business User Experience

2. Learning Objectives Use the Business Banking User Interface to:
Register as a new Business
Add and manage business user profiles
Assign entitlements and limits

3. Register a Business
New business users will click on the “Register a Business” link

4. Agreeing to Agreement
They will agree to the terms and conditions.

5. Business Enrollment
The user will input the Business information and click submit.

6. Entering the Admin. User
The user will the input the Admin. User information.

7. The Admin. User will then select an User ID & Password
The Admin. User will then select an User ID & Password. They have option of selecting specific accounts to enroll. Click submit.

8. Select Entitlements
They will select the entitlements they would like for the business and click submit.

9. Confirmation
The user will receive confirmation and notification that a business banking specialist will contact them.

10. Adding Business Users

11. Adding Business Users
To add other business users and assign entitlements, the Business Administrator/s select the Profile icon.
To add other business users and assign entitlements, the Business Administrator/s select the Profile icon.

12. Adding Business Users
By selecting the Users tab, the Business Administrator (Admin) can view and edit existing users.
The Business User selects the Users tab and clicks on the “Add User” button to add a user to the business profile.

13. Add User: Secondary User Form
Top of Form
Business Admin creates an ID and temporary password for the Business User and completes the required user fields.

14. Secondary User Form Bottom of Form
Once user information is completed, the Business Admin clicks the “Save” button.

15. User Confirmation
Business Admin receives confirmation of user addition.
Business Admin clicks on key icon to add entitlements, as well as edits existing entitlements.

16. Entitlements
Business Users have access to accounts and functionalities, as designated by the Business Admin/s.
Business Admin/s entitle each Business User to permissions for Stop Payments, ACH, Bill Pay, Transfers and Wires modules based on duties he/she will need to perform on behalf of the business.
Checkboxes for modules display at the top of the User Entitlements screen, whereas business accounts and associated permissions appear at the bottom.
Business Users will have access to accounts and functionalities, as designated by the Business Admin/s. Business Admin/s will entitle each Business User to permissions for Stop Payments, ACH, Bill Pay, Transfers and Wires modules based on duties he/she will need to perform on behalf of the business.
Checkboxes for modules display at the top of the User Entitlements screen, whereas checkboxes for business accounts appear at the bottom.
User Entitlements screen will dynamically change and expand as Entitlement module boxes are checked, so that the appropriate permissions can be applied.

17. Entitlements
The dynamic Help option provides assistance as needed. If one of the Help links is selected the system highlights the boxes related to the inquiry.
The dynamic Help option provides assistance as needed. If one of the Help links are selected the system highlights the boxes related to the inquiry. In this example the Business Administrator select the first link to find out how to set the permissions for transfers. Note that the transfer box is highlighted.

18. Entitlements – Assign View Accounts
To entitle the Business User to view accounts, the Business Admin clicks on the checkbox to the right of “>>”. Checkboxes are then available in the Accounts section under the View column to allow the Business Administrator to assign view permissions for each business account, as needed.
The Stop Payments option also becomes available.
To entitle the Business User to view accounts, the Business Admin clicks on the checkbox to the right of “>>”. Checkboxes are then available under the View column to allow the Business Administrator to assign view permissions for each business account, as needed.
The Stop Payments entitlement checkbox also becomes available.

19. Entitlements – Stop Payment
To entitle a Business User for Stop Payments, the Business Administrator selects the Stop Payment checkbox. The system then makes checkboxes available for accounts.
The Business Admin selects the appropriate accounts for which the Business User can submit stop payments and view stop payment history.
To entitle a Business User for Stop Payments, the Business Administrator selects the Stop Payment checkbox. The system then makes checkboxes available for accounts.
The Business Admin selects the appropriate accounts to entitle the Business User to submit stop payments and view stop payment history for the selected accounts. For this example, once in the Business User Interface the Business User will only be able to view and request stop payments for the 3 selected accounts (x6903, x6911 and x6937) using the dropdown for Stop Payments.

20. Entitlements – ACH
To set ACH Entitlements for a Business User, the Business Admin will select the ACH checkbox. This opens entitlement options such as: transaction limits, batch limits, SEC codes, authorization to ACH companies, as well as workflow permissions to manage batches/participants and approve/ reject batches.
The Financial Institution sets limits for the Business, while the Business Admin has the option to designate the limits for each Business User to amounts within the Business limits.
The Business Administrator also selects the accounts to which the Business User has access for ACH tasks.
To set ACH Entitlements for a Business User, the Business Admin will select the ACH checkbox. This opens entitlement options such as: transaction limits, batch limits, SEC codes, authorization to ACH companies, as well as workflow permissions to manage batches and participants, approve and reject batches.
The Financial Institution sets limits for the Business but the Business Admin has the option to designate the limits for each Business User to amounts within the Business limits.
The Business Admin also selects the accounts to which the Business User has access for ACH tasks.
In this example, the Business User can Initiate and Manage Batches and participants for two accounts, x6903 and x The User is entitled for handling tasks for PPD credits and debits, but not CCD, RCK debits and Web debits. Limits for this User were set at amounts less than the business limits.

21. Entitlements – Bill Pay
By selecting the Bill Pay option, the Business Admin entitles the Business User access to Bill Pay for accounts available to the Business for Bill Pay.
Bill Pay entitlements for business users can be designated by account.
By selecting the Bill Pay option, the Business Admin entitles the Business User access to Bill Pay for accounts available to the Business for Bill Pay.
Bill Pay entitlements for business users can be designated by account.
Confidential
9 November, 2018

22. Entitlements – User Administration
User Administration entitlement allows the Business Admin to assign and edit entitlements for other Business Users.
This entitlement is not designated on an account by account basis.
User Administration entitlement allows the Business Admin User to assign and edit entitlements for other Business Users. If a Business User is given this entitlement, he/she will appear as a Business User (Administrator)in the his/her profile under User Services in the FI’s Architect Administration Tool.
This entitlement is not designated on an account by account basis.
Confidential
9 November, 2018

23. Entitlements – Transfers
Business Admin selects the Transfer checkbox to open options for transfer entitlements.
The Business Admin defines the maximum transaction and daily limits, as well as whether the Business User can manage external and unlinked accounts.
At the bottom of the screen, the Business Admin checks the appropriate accounts for which the Business User can conduct transfers. Transfer From and Transfer To options are available on an account by account basis.
Business Admin selects the Transfer checkbox to open options for transfer entitlements. The Business Admin defines the maximum transaction and daily limits, as well as whether the Business User can manage external and unlinked accounts.
At the bottom of the screen, the Business Admin checks the appropriate accounts for which the Business User can transact. Transfer From and Transfer To options are available on an account by account basis.
In this example, the Business User can Transfer to account x6903 and x6911, but can only transfer from x6903.
Confidential
9 November, 2018

24. Entitlements - Saving
Business Admin User clicks on “Save” after desired entitlements are selected.
“Cancel” takes Business Admin User back to previous page; no addition or update to entitlements is completed.
Business Admin User clicks on “Save” after desired entitlements are selected.
“Cancel” takes Business Admin User back to previous page and causes no action to be taken.

25. Entitlements – Change Confirmation
After entitlements are saved, the Business Admin receives a message that entitlements updates successfully completed.
After entitlements are saved, the Business Admin receives a message that entitlements updates successfully completed.

26. ACH

27. ACH Module: Access
To manage ACH processes, the Business User clicks on the icon to access the ACH Module.
The Activity tab will allow an authorized Business User to view pending batch activity, as well as history.

28. ACH Workflow Manage Participants Add Batch Initiate Batch
Approve Batch
The ACH workflow for batches consists of 4 main processes: manage participants, add batch, initiate batch and approve batch. For the purpose of ensuring checks and balances are in place, typically these processes are assigned to more that one Business User. The Business Users are authorized to conduct the assigned process through entitlements designated within the Architect User Interface by the Business Administrator. In other words, the person or persons who manage and add participants may not be the same persons who initiate the batches. And the batch approval responsibilities may be assigned to another person or persons with an approval entitlement.

29. ACH Participants
To manage ACH participants, select ACH icon and Participant tab. List of previously added ACH Participants displays.
A participant’s information can be viewed by selecting the name link.
Participants are added to the Architect system by the representative/s who have the Manage Batch and Participants entitlement.
To manage ACH participants, select ACH icon and Participant tab. List of previously added ACH Participants displays.
A participant’s information can be viewed by selecting the name link.

30. ACH Participants: Viewing
Top
Bottom
Participant data including account information displays to Business Users authorized for ACH entitlements.
Participant data including account information displays to Business Users authorized for ACH entitlements.

31. ACH Participants: Edit & Delete
Participant information can be edited.
Participants can also be deleted from this screen as needed.
A Business User with Manage Batch and Participant entitlement can also edit participant information or delete a participant.

32. ACH Participants: Add New Participant
To add a new participant, a Business User selects the “Add Participant” button.
To add a participant, the Business User must have Manage Batch and Participant entitlement. The button will not be available if the Business User does not have this entitlement.
A Business User with Manage Batch and Participant entitlement adds a new participant by selecting the “Add Participant” button.

33. ACH Participants – Add New Participant
To add a Participant, Business User completes participant information. Unique Identifier is determined by Business (e.g. employee ID #, vendor #, policy #, etc.)
Data fields with asterisks are required.
To add a Participant, Business User completes participant information. Unique Identifier is determined by Business (e.g. employee ID #, vendor #, policy #, etc.)
Data fields with asterisks are required.
While keying in the participant FI information, the system auto-completes the FI name and routing number based on the first few characters typed. The user can then select an FI from the pre-populated list to avoid the typing error.
The participants can be grouped together based on type such as hourly employee, salaried employee, vendor, government etc.

34. ACH Workflow Manage Participants Add Batch Initiate Batch
Approve Batch
The ACH workflow for batches consists of 4 main processes: manage participants, add batch, initiate batch and approve batch. For the purpose of ensuring checks and balances are in place, typically these processes are assigned to more that one Business User. The Business Users are authorized to conduct the processes through entitlements designated within the Architect User Interface by the Business Administrator. In other words, the person or persons who manage and add participants may not be the same persons who initiate the batches. And the batch approval responsibilities may be assigned to another person or persons with approval entitlements.

35. ACH Batch: View List
Business User selects the Batches tab to view list of batches which have previously been added.
To view details of a specific batch, the Business User can click on the link for the batch name.
Business User selects the Batches tab to view list of batches which have previously been added.
To view details of a specific batch, the Business User can click on the link for the batch name.

36. ACH Batch: View Batch Details
Top of Screen
At top of screen, Batch details are displayed, including transaction type, discretionary data, description, company name/ID and offset account.
Use scroll bar to view Batch Entries detail.
At top of screen, Batch details are displayed, including transaction type, discretionary data, description, company name/ID and offset account.
Business User drags scroll bar down to view Batch Entries detail.

37. ACH Batch: View Batch Details
Bottom of Screen
At bottom of screen, details of batch entries display. Items that were held or pre-noted will be flagged.
Batch totals display at bottom of screen.
To go back to batch view, Business User selects the “Close” button.
At bottom of screen, details of batch entries display, including participant nickname, participants’ unique identifiers, participants’ account numbers and account type, as well as amount and memo (if added). Memo is not a required field.
Items that were held or prenoted will be flagged.
Batch totals will display at bottom.
To go back to batch view, Business User selects the “Close” button at the bottom of the page.

38. ACH Batch: View Batch
Business User can edit and delete an existing batch. These icons appear to Business Users who have Manage Batch and Participant entitlement.
From this screen the Business User can also add a batch. There are 4 main steps to adding a batch.
Business User can edit and delete an existing batch using the icons to the right. These icons appear to those Business Users who have Manage Batch and Participant entitlement. Those who do not can still view the batches and contents but cannot make edits to either participants or batch.
From this screen the Business User can also add a batch. If the Business User is not entitled to Manage Batch and Participants, the “Add Batch” button will not be available to the User. Likewise, if the Business User is not entitled to Initiate batches, the “Initiate” button will not be available to the User. In this example, the User has been assigned the Manage Batch and Participants entitlement, as well as entitlement to Initiate batches since both buttons display to the User.

39. ACH Batch: Add Batch Step 1
To add a new batch, on the Batch tab the Business User selects “the Add Batch” button.
At bottom of page, details of batch entries display, including participant nickname, participants’ unique identifiers, participants’ account numbers and account type, as well as amount and memo, if added.
Items that were held or prenoted will be flagged.
Batch totals will display at bottom.
To go back to batch view, Business User will select the “Close” button at the bottom of the page.

40. ACH Batch: Add Batch Step 2
Business User completes required batch data and clicks on the “Add Participants”.
At bottom of page, details of batch entries display, including participant nickname, participants’ unique identifiers, participants’ account numbers and account type, as well as amount and memo, if added.
Company Discretionary Data field can be used to add company-specific information.
Items that were held or prenoted will be flagged.
Batch totals will display at bottom.
To go back to batch view, Business User will select the “Close” button at the bottom of the page.

41. ACH Batch: Add Batch Step 3
Top
Bottom
Step 3
Business User selects participants and clicks “Apply”.
From the next screen, the Business User selects participants and clicks the “Apply” button.

42. ACH Batch: Add Batch Step 4
Business User completes amounts fields and adds memos if desired.
User also has option to flag an entry to hold or pre-note.
User clicks “Save “ or “Save and Close”.
Step 4
Business User completes amounts fields and adds memos if desired.
User also has option to flag an entry to hold or pre-note.
User clicks “Save “ (helpful if User needs to step away for a few minutes but plans to return soon) or “Save and Close”.

43. ACH Batch: Batch Confirmation
Business User receives a confirmation when batch is added.
If the User exceeds transaction and/or daily limits, a message will populate in the yellow bar.
User can also choose to delete a batch entry or edit a participant’s details. (Participant detail screen will display for edits to be made.)

44. ACH Batch: Add Prenote
To add a prenote, the Business User selects that box. A pop-up will appear indicating that the prenoted item would not be included in the batch.
To include the transaction in a prenote batch, the User clicks the “Initiate PreNotes” button.

45. ACH Batch: Add Prenote Top Bottom
Confirmation of the batch update and prenote batch initiation will display in the yellow bar.
Totals at bottom will also reflect changes.
Bottom

46. ACH Workflow Manage Participants Add Batch Initiate Batch
Approve Batch
The ACH workflow for batches consists of 4 main processes: manage participants, add batch, initiate batch and approve batch. For the purpose of ensuring checks and balances are in place, typically these processes are assigned to more that one Business User. The Business Users are authorized to conduct the assigned process through entitlements designated within the Architect User Interface by the Business Administrator. In other words, the person or persons who manage and add participants may not be the same persons who initiate the batches. And the batch approval responsibilities may be assigned to another person or persons with an approval entitlement.

47. ACH Batch: Initiate
Business User selects the batch or batches to initiate, and clicks the “Initiate” button.
Clicking the checkbox at the top will select all batches.

48. ACH Batch: Initiate
Confirmation message with batch reference number displays in yellow bar.

49. ACH Batch: Initiate
Batch moves to pending status on Activity page.

50. ACH Workflow Manage Participants Add Batch Initiate Batch
Approve Batch
The ACH workflow for batches consists of 4 main processes: manage participants, add batch, initiate batch and approve batch. For the purpose of ensuring checks and balances are in place, typically these processes are assigned to more that one Business User. The Business Users are authorized to conduct the assigned process through entitlements designated within the Architect User Interface by the Business Administrator. In other words, the person or persons who manage and add participants may not be the same persons who initiate the batches. And the batch approval responsibilities may be assigned to another person or persons with an approval entitlement.

51. ACH Batch: Approve
Authorized Business User will select the batch or batches to be approved.
A Business User cannot approve batches he/she initiated unless the Bypass Approval entitlement has been assigned to the User.
The User can also reject a batch if needed.

52. ACH Activity: Pending Batches
Pending batches can be viewed on the Activity tab.
Pending batches can be viewed on the Activity tab.

53. ACH Activity: History Top Bottom
History displays on the Activity page. A batch can be deleted if it has not been processed.
The Business User can view details for a specific batch by selecting the magnifying glass icon.
History displays on the Activity page. The Business User can view details for a specific batch by selecting the magnifying glass icon.
A batch can be deleted if it has not been processed.

54. ACH Activity: View Batch Details
Batch details are displayed, including who initiated and approved the transactions, as well as respective dates.
In this case the batch was initiated for the purpose of prenoting; amount is $0.00.

55. ACH Activity: Exporting
Batch data can be exported by clicking on the “Report” button at the bottom of the Activity page.
Data can be viewed in the application or saved to a .csv file.

56. ACH Activity: Sample Export File

57. Wires

58. Types of Wire Transfers
Wires Stored for Future Access – Preset payees selected
Single – Wire initiated to single payee at a time.
Multiple – Wires initiated to multiple payees at once.
Free-Form (One-Time) – Executed on one-time basis; not stored in system
Executed on a one-time basis and are not stored in the system.
Single:
Wire initiated to a single payee.
User selects the payee from list and is taken to another screen to select funding account, wire date (the date when the wire transfer is sent) and memo.
When the user initiates payment to the same payee next time around, the system remembers the funding account and the memo.
Multiple:
Wire initiated to multiple payees at once.
User selects funding account, wire date and memo.
One-time (Free-Form)
One-time, free-form wire transfer initiated.
Users may enter the amount, effective date, beneficiary, and beneficiary institution information. Free-form wire transfers are executed on a one-time basis and are not stored in the system.
Domestic and International wires can be set up by Business Users who have respective entitlements.

59. Wires: How to Access
An authorized Business User can access the Wires module by selecting the icon.
The User will be taken to the Activity screen upon entry.
Pending Wires will display at the top to entitled Business Users. Buttons will be available to perform tasks for which the User is entitled.
History appears at the bottom. The User can apply filters by status, account, date range and tracking number to view a specific dataset at the bottom of the page.
The wire transfer history can be pulled from the Wires Activity screen in the history grid. Users can by default view all the activities for last 30 days. User can also search or filter the wires history based on several filters such as Payee Name, Funding Account, Wire Date and Reference #.

60. Wire Transfer Workflow: Single or Multiple
Add Payee Template
Create Wire Transfer
Approve Wire.
Let’s take a look at the work flow for a single or multiple wire transfer which starts with a payee template.

61. Wires: Payee List
List of payee templates display. Payee may be edited or deleted by Business User with Manage Payees entitlement.
New payee template is added by selecting the “Add Payment Template” button.
List of payee templates display. Payee may be edited or deleted by Business User with Manage Payees entitlement.
New payee template is added by selecting the “Add Payment Template” button.

62. Wires: Add Payee Template
Top of page
Business User selects payee type, domestic or foreign, and enters the payee information at the top of the page.
If foreign is selected fields change dynamically to include country, province and postal code instead of zip code.
Business User selects payee type, domestic or foreign and enters the payee information at the top of the page.
If foreign is selected fields change dynamically to include country, province and postal code instead of zip code.

63. Wires: Add Payee Template
Bottom of page
Business User selects institution number type.
As the User types the institution name, the system searches the database and attempts to find a match.
User can add receiving and intermediary institutions if appropriate.
User saves completed template.
Business User selects institution number type.
As the User types the institution name, the system searches the database and attempts to find a match.
User can add receiving and intermediary institutions if appropriate.

64. Wires: Edit Payee Template
If a saved payee template needs to be edited, clicking the edit button in the payee list brings up the payee details page.
The last 4 digits of the account number display for security purposes. To change the account number, the Business User selects the checkbox preceding “In need to change the account number”. A box will display to add the new account number.
If a saved payee template needs to be edited, clicking the edit button in the payee list brings up the payee details page.
The last 4 digits of the account number display for security purposes. To change the account number, the Business User selects the checkbox preceding “In need to change the account number”. A box will display to add the new account number.
User can add receiving and intermediary institutions if appropriate.

65. Wire Transfer Workflow: Single or Multiple
Add Payee Template
Create Wire Transfer
Approve Wire
Let’s take a look at the work flow for a single or multiple wire transfer which starts with a payee template.

66. Wires: Single
Business User selects the payee and funding accounts from drop-downs.
User enters the amount. Limits are set through entitlements.
User enters or selects the date the wire transfer should be sent. The wire date range available for a particular batch is determined by the a Wires configuration setting determined by the Financial Institution.
Business User with Initiate entitlement can initiate a wire.
The User selects the payee, funding account, wire date (the date when the wire transfer is sent) and memo and clicks the Submit button. When the user initiates payment to the same payee next time around, the system remembers the funding account and the memo. The system also displays the wire amount sent to this payee last time and the wire amount scheduled for this payee which is not yet processed by FI.
The wire date range from minimum to maximum that the user can select for a particular batch are determined by the Wires configuration setting Wire Minimum Days in Future and Maximum Days in Future respectively.

67. Wires: Multiple
Multiple wire transfers can be created by first selecting the “Multiple” tab .
Business User selects the wire dates and accounts.
The User then enters the amount and a memo, if desired.

68. Wires: One-Time
Business User can initiate a one-time, free-form wire transfer.
Business users may enter the amount, effective date, beneficiary, and beneficiary institution information.
Free-form wire transfers are executed on a one-time basis and are not stored in the system.
Receiving and/or Intermediary Financial Institution information is optional.
Authorized business users can initiate one time free-form wire transfers. Business users may enter the amount, effective date, beneficiary, and beneficiary institution information. Free-form wire transfers are executed on a one-time basis and are not stored in the system. So payee information is not selected from stored information and is entered during the process of completing the form to initiate the wire.

69. Wire Transfer Confirmation
Once a wire transfer has been successfully initiated a transfer confirmation notification appears in a yellow bar within the Activity screen.
The notification contains a reference #.
The wire transfer also appears as a record within the History section.
Once a wire transfer has been successfully initiated a transfer confirmation notification appears in a yellow bar within the Activity screen.
The notification contains a reference #. In this example the record # is 23.
The wire transfer also appears as a record within the History section. Status appears as pending approval unless the bypass approval entitlement is in play.

70. Wire Transfer Details
Wire transfer details including wire type funding account, amount, wire date, etc. can be viewed.
For a one-time wire transfer, the Payee Nickname field will be populated as “One-Time Wire”.
Details will also include who initiated the wire and when, as well as information about updates which may have been made.
Detailed payee information is also viewable on this screen.

71. Wire Workflow Add Payee Template Create Wire Approve Wire Transfer
For fraud prevention, the security dual control can be put in place for a business or a business user initiating wires. If the security control is set so that the approval is required for the business or some of its users, when such users initiate a wire transfer, another business user has to approve such transfers before they can be processed by the FI.

72. Approving Wire Transfer
The authorized user, who has the Approve and Reject entitlement within Wires, when login to the system and navigate to the Wires Activity screen, will see the list of wire transfers in the Pending grid waiting approval. Such users can select the wires and either approve or reject. They can enter comments while approving/rejecting wires.
User first checks the box preceding the wire listing and then selects the appropriate button to proceed.
A Business User cannot approve a wire that he/she initiated. If the “Bypass Approval” entitlement is in effect the wire does not require approval.
Business User designated with the appropriate entitlement can approve or reject a wire transfer.
User first checks the box preceding the wire listing and then selects the appropriate button to proceed.

73. Wire Transfer History - Making Updates
Depending on status, a wire transfer can be edited and canceled by an authorized Business User. User selects the edit or delete icon as needed.
In the case of edits the User will be taken to a screen to make the updates.
Depending on status, a wire transfer can be edited and canceled by an authorized Business User. User selects the edit or delete icon as needed.
In the case of edits the User will be taken to a screen to make the updates.

74. Wire Transfer Exporting
Wire transfer history can be exported by clicking the “Export” button.
Fields include wire transfer reference #, payee, funding account, transfer amount, status and wire date.
Depending on status, a wire transfer can be edited and canceled by an authorized Business User. User selected the edit or delete icon as needed.
In the case of edits the User will be taken to a screen to make the updates.
If a wire transfer with an “Approved” status is edited, the system will send the transfer back to be approved again, unless the bypass approval option is in effect.

75. Thank You.