Heartland Bank’s new upgraded Business Online Banking for business banking customers will offer increased convenience and security, providing you with the quality experience that you expect from Heartland Bank.

Refreshed Look and Additional Conveniences

Supervisors now have access to Manage Users and Company Settings, and reset internet banking passwords and cookies within the enhanced Administration module.

Enhanced Administration

The Transfer feature allows supervisors to manage which users have access to Transfers within the enhanced Administration module and restrict dual authorization by account and user limits.

Improved Business Manager

Within the Business Manager module of our new Business Online Services, users can set up recurring ACH transactions. The enhanced features also include Document Delivery and a dynamic calendar tool to assist Business Online users with their Business Manager needs.

Business Manager

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Pay Bills
Business Online Banking enables you to pay your bills online. Online Bill Payer gives your business all the convenience of an automated bill pay service for a small transaction fee.

To Pay Bills Online
  1. When logged into the Online Banking system, click Business Manager.
  2. Click Pay Bills.

You can begin paying bills, securely anytime you have access to the Internet.

Online Bill Pay Online Demonstration

To view an automated online demo click here.
EFTPS Tax Payments
EFTPS (Electronic Federal Tax Payment Service) is a tax payment system provided free by the U.S. Department of Treasury and enables you to electronically pay taxes due to federal and certain state tax authorities.

Business Online Banking enables you to perform various tax related tasks including:


Setting up Tax IDs
The first step in configuring EFTPS tax payments is to create tax IDs. Tax IDs will be associated with the regions in which you pay taxes. Tax forms and IDs can also be associated with your main company or with a subsidiary.

Set Up A Tax ID
  1. When logged into the Online Banking system, click Business Manager.
  2. Click EFTPS Tax Payments.
  3. Click Set up Tax ID.
  4. Specify the relevant tax details:
    • Company - The company or subsidiary that will be paying state or federal tax.
    • Tax ID for - Select whether the tax ID being created is for federal tax (IRSN or IRSS), or a specific state tax. For state tax, select the relevant state.
    • Tax ID - The tax ID assigned to the company or subsidiary.


  5. Click Register. Repeat the above process to register multiple tax IDs.


Deregister A Tax ID
  1. When logged into the Online Banking system, click Business Manager.
  2. Click EFTPS Tax Payments.
  3. Click Set up Tax ID.


  4. Click check box of the company or subsidiary whose tax ID you would like to remove.
  5. Click Delete.


The Tax ID is deregistered.

Setting Up Tax Forms
After tax IDs have been created, you can proceed to setting up the tax forms that you wish to process.

Set up a tax form:
  1. When logged into the Online Banking system, click Business Manager.
  2. Click EFTPS Tax Payments.
  3. Click Set up Tax Forms.
  4. From the Company list, select the company or subsidiary that needs to pay tax.
  5. Select the relevant national tax form from the Tax Form list, and click Register.
  6. Click Register.


Repeat the above process to register multiple tax forms.

Deregister A Tax Form
  1. When logged into the Online Banking system, click Business Manager.
  2. Click EFTPS Tax Payments.
  3. Click Set up Tax Forms.
  4. Click check box of the company or subsidiary whose tax form you would like to deregister, and click Delete.
The Tax form is deregistered.

Making An EFTPS Tax Payment

After you have set up a Tax ID and a tax form, you can proceed to making an EFTPS tax payment.

Make an EFTPS Tax Payment
  1. When logged into the Online Banking system, click Business Manager.
  2. Click EFTPS Tax Payments.
  3. Click EFTPS Tax Payment.
  4. Specify the relevant tax payment details:
    • Account ID: The account from which the tax payment will be made.
    • From: The company or subsidiary that will be paying state or federal tax.
    • Tax Form: The tax form that needs to be processed. The forms listed will be forms for which the company or subsidiary has a registered tax ID.
    • Tax Amount: Depending on the tax form chosen, various labels and amount fields will be displayed. Based on the form selected, enter one or more amounts.
    • Total Amount ($): The total amount, calculated as a sum of the separate amounts entered.
    • Tax Period Ending: The tax period for which the payment applies.
    • Send Date: The date on which to send payment.
    • Effective Date: The date the tax payment will be received by the tax authority.
  5. Click Submit.
  6. Click Confirm to submit your request.


You are informed that tax payments have been submitted and are presented with their associated reference numbers.

Viewing Pending Transactions
After you have made an EFTPS tax payment, you can view the pending transactions.

View pending EFTPS tax payments
  1. When logged into the Online Banking system, click Business Manager.
  2. Click EFTPS Tax Payments.
  3. Click Pending Transactions.
The pending tax payment transactions are displayed.

If the transactions have not been effected yet, it is possible to cancel it.

Canceling Pending Transactions

If required, you can cancel a pending EFTPS tax payment before it has posted.
  1. Cancel pending EFTPS tax payments
  2. When logged into the Online Banking system, click Business Manager.
  3. Click EFTPS Tax Payments.
  4. Click Pending Transactions.
  5. Click the Cancel link next to the relevant tax payment amount.

  6. Click Cancel Transaction to proceed with the cancelation.


Viewing Transaction History
Business Online Banking enables you to view a history of the previous tax payments that you have made.

View Transaction History
  1. When logged into the Online Banking system, click Business Manager.
  2. Click EFTPS Tax Payments.
  3. Click Transaction History.
  4. Provide the relevant search criteria:
    • Type: The type of payment to search for. This is auto-filled to be Tax Payments.
    • Transaction Date: The date of the transactions to include in the search results. The options include today, yesterday, or a specific date range. Memo The memo (if applicable) to include as part of the search criteria.
    • From Account: The account from which the tax payment was made.
    • Include Pending: This option enables pending transactions to be displayed in Transactions the search results.
    • Include Failed: This option enables failed transactions to be displayed in the Transactions search results.
  5. Click SUBMIT.

The Transaction History screen updates to show the relevant transactions based on your selection criteria.

You can print the list of transactions by clicking Print. To export the transaction to a file, select the appropriate Export Format and click Export.
Payroll
Payroll is one of the standard elements of business operations, and Business Online Banking enables you to transport funds from the company to the employee's accounts.

With Business Online Banking, you can perform various payroll-related tasks including:
Managing Payroll Payees
Payees are the individuals to whom payments are made. Before you can issue a payroll, you need to add payees.

You can add payees in one of two ways — manually adding a payroll recipient, or importing a list of payees.

Manually Add A Payroll Payee
  1. When logged into the Online Banking system, click Business Manager.
  2. Click Payroll.
  3. Click Manage Payees.
  4. Click Add Payee.
  5. Provide the payee's contact details and the following payment details:
    • Category The category to which this payroll payee belongs, for example "weekly payroll" or "monthly payroll".
    • ABA Routing Number The routing number of the payroll payee's bank.
    • Account Number The account to which payment will be made.
    • Account Type The type of account the payee has, for example, check or savings.
    • Usual Amount The amount to be paid to the payroll payee.
    • Send Prenote Select this option to send a prenote that tests the validity of the payroll payee's bank account number and ABA routing number.

Click Save to complete the process.

If you have a large list of payroll recipients you can import the list of recipients into the payroll database. The import file needs to contain the correct payroll recipient's routing information, either as an ACH formatted file or as a comma-delimited file.

Import A List Of Payroll Payees
  1. When logged into the Online Banking system, click Business Manager.
  2. Click Payroll.
  3. Click Manage Payees.
  4. Click Import Payroll Payee.
  5. On the Import Payroll Payees screen, specify whether you want to upload the list of payees or paste the contents of the payees list, and then provide the import parameters.
  6. Specify the following import parameters:
    • Import Type Select whether a file is to be imported or the contents of the file will be pasted.
    • File The location of the file to be imported.
    • File Type The type of file to be imported — ACH or comma-delimited.
    • Category The category to which the payees in the list belong, for example "weekly payroll" or "monthly payroll".
    • Payee Import The import mode determines how the data is to be imported.
    • Mode into the payroll database.
      Amend - the entries in the import file are added to the payroll database as long as those entries are not duplicates.
      Append - the entries in the import file are added to the payroll database without checking for duplication.
      Replace - replaces a current category of payroll database recipients with the recipients found in the import file.
  7. When you are finished, click Import File.
  8. On the Confirm Import Payroll Payees screen, click Confirm.

The payees are imported and displayed on the Manage Payroll Payees screen.

Edit A Payroll Payee's Details
  1. When logged into the Online Banking system, click Business Manager.
  2. Click Payroll.
  3. Click Manage Payees.
  4. Click the Name link of the payee to edit.
  5. Update the details for the payroll payee as required.
  6. If required, an additional account can be set up if the recipient wishes a set dollar amount be deposited into that secondary account. The money owed to the recipient will be split between their primary and secondary accounts.
  7. To add a secondary account for the payroll payee, click Add.
  8. Fill in the details for the additional account and click Add Account.

You are returned to the Edit Payroll Payee screen and the new account is added to payee's list of additional accounts.

Send A Prenote
  1. When logged into the Online Banking system, click Business Manager.
  2. Click Payroll.
  3. Click Manage Payees.
  4. Select the check box of the payee to whom a prenote must be sent, and click Send Prenote.
  5. Click Confirm to send the prenote.

Delete A Payee
  1. When logged into the Online Banking system, click Business Manager.
  2. Click Payroll.
  3. Click Manage Payees.
  4. Select the check box of the payee to be deleted, and click Delete.
  5. Click Delete to confirm the removal of the payroll payee.

Importing Payroll Transactions
Business Online Banking enables you to overwrite the existing usual payment amounts tied to the payroll recipients by importing data from your accounting software. Transaction imports are done when the payees have not changed, but the amounts the payees are to receive, have changed.

In order to be properly imported, the names in the import file must be identical to the names of the existing payroll recipients.

Import payroll transactions
  1. When logged into the Online Banking system, click Business Manager.
  2. Click Payroll.
  3. In the Payroll section, click Import Payroll Transactions.
  4. Specify the location of the import file and click Import File.
  5. On the Confirm Import of ACH Payroll screen, click Confirm.

You are returned to the Payroll screen and you can now issue your payroll.

Issuing Payroll
After you have configured the payees and amount to be paid, you can issue the payroll.

Issue a payroll
  1. When logged into the Online Banking system, click Business Manager.
  2. Click Payroll.
  3. Specify the payroll-related details:
    • From The company or subsidiary that the payment is made from.
    • From Account The account from which payment is made.
    • Send Date The date that the FI begins to process the payroll items.
    • Effective Date The date that recipients receive their individual payroll credits.
    • 1-Day / 2-Day Determines whether the effective date of payment is one or two days after the requested send date.
    • Frequency The frequency of the payroll.
    • Category The relevant payroll payee category.
    • Select the check boxes of the payroll payees to be paid, ensure their payroll amounts are correct, and click Submit.
  4. Click Confirm to issue the payroll.
You are informed that your payroll transactions have been submitted and are presented with the relevant reference numbers.

Viewing Pending Payroll Transactions
After you executed your payroll, you can view your pending payroll transactions.

View pending payroll transactions
  1. When logged into the Online Banking system, click Business Manager.
  2. Click Payroll.
  3. Click Pending Transactions.
The Pending Payroll Transactions screen displays pending payroll information. If required, you can cancel a pending transaction or a batch of payroll transactions before it has posted.

Cancel A Pending Payroll Transaction
  1. When logged into the Online Banking system, click Business Manager.
  2. Click Payroll.
  3. Click Pending Transactions.
  4. To cancel a single payroll transaction, click the Cancel link for that transaction.
  5. Click Cancel Transaction to proceed with the cancelation.

Cancel A Pending Batch Of Payroll Transactions
  1. When logged into the Online Banking system, click Business Manager.
  2. Click Payroll.
  3. Click Pending Transactions.
  4. To cancel a batch of payroll transactions, click Cancel Batch for that specific batch.
  5. Click Cancel Batch Transactions to proceed with the cancelation.

Viewing Transaction History
Business Online Banking enables you to view a history of the previous payrolls you have run.

View transaction history
  1. When logged into the Online Banking system, click Business Manager.
  2. Click Payroll.
  3. Click Transaction History.
  4. Provide the relevant search criteria:
    • Username The business user who captured the transaction. This option is only available to a supervisor user.
    • Type The type of payment to search for. This is auto-filled to be Payroll.
    • Transaction Date The date of the transactions to include in the search results. The options include today, yesterday, or a specific date range.
    • Payee The payees to be included in the search results.
    • Memo The memo (if applicable) to include as part of the search criteria.
    • From Account The account from which the payroll was issued.
    • Include Pending This option enables pending transactions to be Transactions displayed in the search results.
    • Include Failed This option enables failed transactions to be displayed Transactions in the search results.
  5. Click Filter.
The Transaction History screen updates to show the relevant transactions based on your selection criteria. You can print the list of transactions by clicking Print. To export the transaction to a file, select the appropriate Export Format and click Export.
ACH Payments
Companies require ways to send money electronically and ACH is a standard for fulfilling this requirement. ACH payments enable you to transfer funds to a pre-defined recipient list or to new recipients who possess accounts at other financial institutions. Payments are made through the ACH network for this service, and as such, companies can capitalize on the control benefits of sending money via ACH, such as specifying when recipients receive funds and can thereby minimize the float period.

You can perform ACH payment-related tasks including:
Managing ACH Payees
Payees are the individuals to whom ACH payments are made. You can add ACH payees in one of two ways — manually adding an ACH payee, or importing a list of ACH payees.

Manually add an ACH payee
  1. When logged into the Online Banking system, click Business Manager.
  2. Click ACH Payments.
  3. Click Manage ACH Payees.
  4. Click Add Payee.
  5. Provide the payee's name and contact details including the necessary ACH payment details:
    • Category The category to which this ACH payee belongs.
    • Recipient Category This option is determined by the type of entity that the recipient is. Consumer recipients must receive PPD payments and commercial recipients must receive CCD payments.
    • ACH Addenda A text memo to accompany the ACH payment.
    • ABA Routing The routing number of the payee's bank.
    • Number
    • Account Number The account to which payment is made.
    • Account Type The type of account the payee has.
    • Usual Amount The amount to be paid to the payee.
    • Send Prenote Select this option to send a prenote that tests the validity of the payee's bank account number and ABA routing number.
  6. Click Add Payee to complete the process.

Import A List Of ACH Payees
If you have a large list of ACH recipients, you can batch import the list of recipients into the database.
  1. When logged into the Online Banking system, click Business Manager.
  2. Click ACH Payments.
  3. Click Manage ACH Payees.
  4. Click Import ACH Payees.
  5. Specify the following import parameters:
    • Import Type Select whether a file is to be imported or the contents of the file will be pasted.
    • File The location of the file to be imported.
    • File Type The type of file to be imported — ACH or comma-delimited.
    • Category The category to which the payees in the list belong.
    • Payee Import The import mode determines how the data is to be Mode imported into the database.
      Amend — the entries in the import file are added to the database as long as those entries are not duplicates.
      Append — the entries in the import file are added to the database without checking for duplication.
      Replace — replaces a current category of database recipients with the recipients found in the import file.
  6. When you are finished, click Import File.
  7. Click Confirm Load.
The imported ACH payees are displayed on the Manage ACH Payees screen.

Edit An ACH Payee's Details
  1. When logged into the Online Banking system, click Business Manager.
  2. Click ACH Payments.
  3. Click Manage ACH Payees.
  4. Click the Name link of the ACH payee to edit.
  5. Update the details for the ACH payee as required, and click Save.

Send A Prenote
  1. When logged into the Online Banking system, click Business Manager.
  2. Click ACH Payments.
  3. Click Manage ACH Payees.
  4. Select the check box of the ACH payee to whom a prenote must be sent, and click Send Prenote.
Click Confirm to send the prenote.

Delete an ACH Payee
  1. When logged into the Online Banking system, click Business Manager.
  2. Click ACH Payments.
  3. Click Manage ACH Payees.
  4. Select the check box of the payee to be deleted, and click Delete.
  5. Click Delete to confirm the removal of the ACH payee.

Making a Single ACH Payment
Business Online Banking enables you to send a single ACH payment to a recipient.

Make a single ACH payment
  1. When logged into the Online Banking system, click Business Manager.
  2. Click ACH Payments.
  3. Click Single Payment.
  4. Specify the ACH payment details:
    • From The company or subsidiary the payment is made from.
    • From Account The account from which payment is made.
    • Send Date The date that the FI begins to process the ACH payment items.
    • Effective Date The date that recipients receive their ACH payment credits.
    • 1-Day / 2-Day Determines whether the effective date of payment is one or two days after the requested send date.
    • Frequency The frequency of the payment.
    • Category The relevant ACH payment category.
    • To The ACH payee to which payment is made. Selecting the payee results in their details being auto-filled.
  5. Ensure the details are correct, and click Submit.
  6. Click Confirm to submit the transaction.

You are informed that a payment has been submitted and its associated reference number is displayed.

Importing ACH Payments

You can overwrite the existing usual ACH payment amounts tied to the recipients by importing data from your accounting software. In order to be properly imported, the names in the import file must be identical to the names of the existing ACH payment recipients.

Import ACH payments
  1. When logged into the Online Banking system, click Business Manager.
  2. Click ACH Payments.
  3. Click Import ACH Payments.
  4. Specify the location of the import file and click Import File.

  5. The Confirm Import of ACH Payments screen is displayed.
  6. Click Confirm.

You are returned to the ACH Payments screen and you can now make multiple payments.

Making Multiple ACH Payments
Business Online Banking enables you to conveniently send ACH payments for multiple recipients.

Make multiple ACH payments
  1. When logged into the Online Banking system, click Business Manager.
  2. Click ACH Payments.
  3. Click ACH Payments.
  4. Specify the ACH payment details:
    • From The company or subsidiary the payment is made from.
    • From Account The account from which payment is made.
    • Send Date The date that the FI begins to process the ACH payment items.
    • Effective Date The date that recipients receive their individual ACH payment credits.
    • 1-Day / 2-Day Determines whether the effective date of payment is one or two days after the requested send date.
    • Frequency The frequency of the payment.
    • Category The relevant ACH payment category.
  5. Select the check box of each ACH recipient to be paid and ensure the amounts are correct. Add an ACH addendum for each payee if necessary.
  6. Ensure the account from which payment is to be made is correct, and click Submit.
  7. Click Confirm to process make the ACH payments.
You are informed that the ACH payments have been submitted and the associated reference numbers are displayed.

Viewing Pending ACH Payments
After making any ACH payments, you can view your pending transactions.

View pending ACH payments
  1. When logged into the Online Banking system, click Business Manager.
  2. Click ACH Payments.
  3. Click Pending Transactions.
If an ACH payment has not been effected yet, it is possible to cancel it.

Canceling Pending ACH Payments
If required, you can cancel a pending ACH payment transaction before it has posted.

Cancel pending ACH payments
  1. When logged into the Online Banking system, click Business Manager.
  2. Click ACH Payments.
  3. Click Pending Transactions.
  4. Click the Cancel link next to the relevant amount.
  5. Click Cancel Transaction to proceed with the cancelation.

Viewing Transaction History
Business Online Banking enables you to view a history of the previous ACH payments you may have made.

View transaction history
  1. When logged into the Online Banking system, click Business Manager.
  2. Click ACH Payments.
  3. Click Transaction History.
  4. Provide the relevant search criteria:
    • Username The business user who captured the transaction. This option is only available to a supervisor user.
    • Type The type of payment to search for. This is auto-filled to be ACH Payments.
    • Transaction Date The date of the transactions to include in the search results. The options include today, yesterday, or a specific date range.
    • Payee The payee to which payment is made.
    • Memo The memo (if applicable) to include as part of the search criteria.
    • From Account The account from which the transfer was made.
    • Include Pending This option enables pending transactions to be Transactions displayed in the search results.
    • Include Failed This option enables failed transactions to be displayed Transactions in the search results.
  5. Click Filter.
The Transaction History screen updates to show the relevant transactions based on your selection criteria.

You can print the list of transactions by clicking Print. To export the transaction to a file, select the appropriate Export Format and click Export.
Collections
Collections enable you to set up debits for a predefined recipient list or to new recipients who have regular payments to make to your company. While the ACH Receipts debit one account at a time, collections enable you debit multiple accounts outside your financial institution at the same time, and credit your account inside your financial institution for the sum total of those debits.

With Business Online Banking, you can perform various collections-related tasks including:
Managing Payors
Payors are the individuals or companies from whom you wish to collect funds. You can add a collection payor in one of two ways — manually adding a payor or importing a list of payors.

Manually Add A Payor
  1. When logged into the Online Banking system, click Business Manager.
  2. Click Collections.
  3. Click Manage Payors.
  4. Click Add Payor.
  5. Provide the payor's contact details and the following payment details:
    • Category The category to which the payor belongs.
    • ABA Routing The routing number of the payor's bank.
    • Number
    • Account Number The account from which payment will be made.
    • Account Type The type of account the payor has.
    • Usual Amount The amount the payors pays.
    • Send Prenote Select this option to send a prenote that tests the validity of the payor's bank account number and ABA routing number.
  6. Click Save to complete the process.


Import A List Of Collections Payors
If you have a large list of payors you can import the list of them into the database. The import file needs to contain the correct routing information, either as an ACH formatted file or as a comma-delimited file.
  1. When logged into the Online Banking system, click Business Manager.
  2. Click Collections.
  3. Click Manage Payors.
  4. Click Import Collection Payors.

  5. On the Import Collections Payors screen, you can specify whether you want to upload the list of payees or paste the contents of the payees list, and then provide the import parameters.
  6. Specify the following import parameters:
    • Import Type Select whether a file is to be imported or the contents of the file will be pasted.
    • File The location of the file to be imported.
    • File Type The type of file to be imported — ACH or comma- delimited.
    • Category The category to which the payors belong.
    • Payor Import The import mode determines how the data is to be Mode imported into the database.
      Amend — the entries in the import file are added to the database as long as those entries are not duplicates.
      Append — the entries in the import file are added to the database without checking for duplication.
      Replace — replaces a current category of collections payors with the recipients found in the import file.
  7. When you are finished, click Import File.
  8. On the Confirm Import of Collection Payors screen, click Confirm.
The payors are imported and displayed in on the Manage Collection Payors screen.

Edit A Payor's Details
  1. When logged into the Online Banking system, click Business Manager.
  2. Click Collections.
  3. Click Manage Payors.
  4. Click the Name link of the payor to edit.
  5. Update the details for the payor as required and click Save when you are finished.


Send A Prenote
  1. On the Internet Banking Website, click Business Manager.
  2. Click Collections.
  3. Click Manage Payors.
  4. Select the check box of the payor to whom a prenote must be sent, and click Send Prenote.
  5. On the Confirm Prenote(s) screen, click Confirm to send the prenote.


Delete A Payor
  1. When logged into the Online Banking system, click Business Manager.
  2. Click Collections.
  3. Click Manage Payors.
  4. Select the check box of the payor to be deleted, and click Delete.
  5. Click Delete to confirm the removal of the payor.

Importing Collection Transactions
You can overwrite the existing usual collections amounts tied to the payors by importing data from your accounting software. In order to be properly imported, the names in the import file must be identical to the names of the collection payors.

Import collection transactions
  1. When logged into the Online Banking system, click Business Manager.
  2. Click Collections.
  3. Click Import Collection Transactions.
  4. Specify the location of the import file and click Import File.
  5. On the Confirm Import of Collection Transactions screen, click Confirm.
You are returned to the Collections screen and you can now issue your collection payments.

Issuing Collections

After the collection payors have been added, you can proceed to issuing the collection.

Issue a collections
  1. When logged into the Online Banking system, click Business Manager.
  2. Click Collections.
  3. Specify the collection-related details:
    • To The company or subsidiary from which the payment is required.
    • To Account The account to which payment is made.
    • Send Date The date that the FI begins to process the collection.
    • Effective Date The date that you will receive the collection payments.
    • Frequency The frequency of the collection.
    • Category The relevant payor category.
  4. Select the check boxes of the required payors, ensure the collection amounts are correct, and click Submit.

  5. Click Confirm to issue the collection payment.
You are informed your collection transactions have been submitted and are presented with the relevant reference numbers.

Viewing Pending Collections
After you executed your collection, you can view your pending transactions. You can also cancel them if required.

View pending collections transactions
  1. On the Internet Banking Website, click Business Manager.
  2. Click Collections.
  3. Click Pending Transactions.
The Pending Collection Transactions screen displays the pending collection transactions. If required, you can cancel a pending transaction or a batch of collections transactions before it has posted.

Cancel A Pending Collection Transaction
  1. When logged into the Online Banking system, click Business Manager.
  2. Click Collections.
  3. Click Pending Transactions.
  4. To cancel a single collection transaction, click the Cancel link for that transaction.
  5. Click Cancel Transaction to proceed with the cancelation.

Cancel A Pending Batch Of Collection Transactions
  1. When logged into the Online Banking system, click Business Manager.
  2. Click Collections.
  3. Click Pending Transactions.
  4. To cancel a batch of collection transactions, click Cancel Batch for that specific batch.
  5. Click Cancel Batch Transactions to proceed with the cancelation.

Viewing Collections Transaction History
Business Online Banking enables you to view a history of the collection transaction you have performed.

View transaction history
  1. When logged into the Online Banking system, click Business Manager.
  2. Click Collections.
  3. Click Transaction History.
  4. Provide the relevant search criteria:
    • Username The business user who captured the transaction. This option is only available to a supervisor user.
    • Type The type of payment to search for. This is auto-filled to be Collections.
    • Transaction Date The date of the transactions to include in the search results. The options include today, yesterday, or a specific date range. Payor The specific payors to be included in the search results.
    • Memo The memo (if applicable) to include as part of the search criteria.
    • To Account The account to which payment was made.
    • Include Pending This option enables pending transactions to be displayed in Transactions the search results.
    • Include Failed This option enables failed transactions to be displayed in the Transactions search results.
  5. Click Filter.

The Transaction History screen updates to show the relevant transactions based on your selection criteria.

You can print the list of transactions by clicking Print. To export the transaction to a file, select the appropriate Export Format and click Export.
Managing Transfers
Business Online Banking enables you to transfer funds from one of your online accounts to another. You can perform various transfer-related tasks including:
Making a Transfer
With Business Online Banking you can transfer funds between accounts and specify a variety of options associated with the transfer.

To make a transfer
  1. When logged into the Online Banking system, click Business Manager.
  2. Click Transfers.
  3. Provide the following transfer details:
    • From Account The account from which to transfer the funds.
    • To Account The account into which the funds must be transferred.
    • Amount The amount to be paid.
    • Transfer Memo A text memo to accompany the transfer.
    • Transfer Date The date on which the transfer is to be effected.
    • Frequency The frequency of this transfer:
      • Once off — A one-time payment
      • Daily — Every business day beginning with the initial starting payment
      • Every Week — Weekly on the same day as the initial starting payment
      • Every Two Weeks — Every two weeks (14 calendar days)
      • Every Month — Monthly on the same day as the initial starting payment
      • Every Last Day of the Month — Monthly on the last day of the month
      • Every Two Months — Every two months from the initial starting payment
      • Every Three Months — Every three months (quarterly) from the initial starting payment
      • Every Six Months — Every six months (twice annually) from the initial starting payment
      • Every Twelve Months — Every twelve months (annually) from the initial
    • Number of Payments If a recurring frequency is selected, select whether a fixed or an unlimited number of transfers will be made, or whether the payment will ends on a specific date.
  4. Click Submit.

  5. The Confirm Transfer screen is displayed.
  6. Click Confirm to submit the request.
Your transfer request is sent and you are presented with a reference number.

Viewing Pending Transfers
After making any transfers, you can view your pending transactions.

To view pending transfers
  1. When logged into the Online Banking system, click Business Manager.
  2. Click Transfers.
  3. Click Pending Transfers.
The pending transfer transactions are displayed.
If the transfer has not been affected yet, it is possible to cancel it.

Canceling Pending Transfers

If required, you can cancel a transfer before it has been sent.

To cancel pending transfers
  1. When logged into the Online Banking system, click Business Manager.
  2. Click Transfers.
  3. Click Pending Transfers.
  4. Click the Cancel link next to the relevant transfer.
  5. The Confirm Cancellation of Transactions screen is displayed.
  6. Click Cancel Transaction.


Viewing Transaction History
Business Online Banking enables you to view a history of the previous transfers that you have made.

To view transaction history
  1. When logged into the Online Banking system, click Business Manager.
  2. Click Transfers.
  3. Click Transaction History.
  4. Provide the relevant search criteria:
    • Username The business user who captured the transaction. This option is only available to a supervisor user.
    • Type The type of payment to search for. This is auto-filled to be Transfers.
    • Transaction Date The date of the transactions to include in the search results. The options include today, yesterday, or a specific date range.
    • To Account The account to which the transfer was made.
    • Memo The memo (if applicable) to include as part of the search criteria.
    • From Account The account from which the transfer was made.
    • Include Pending This option enables pending transactions to be displayed in Transactions the search results.
    • Include Failed This option enables failed transactions to be displayed in the search Transactions results.
    5. Click Filter.
The Transaction History screen updates to show the relevant transactions based on your selection criteria.

You can print the list of transactions by clicking Print. To export the transaction to a file, select the appropriate Export Format and click Export.
Domestic Wire Transfers
Business Online Banking enables you to place domestic wire transfers over the Internet. The recipient will receive the credit that same day as long as the domestic wire transfer request was placed during business hours.

You can perform various domestic wire transfer tasks including:
Managing Domestic Wire Transfer Beneficiaries
You can add domestic wire transfer beneficiaries in one of two ways — manually adding a beneficiary, or importing a list of beneficiaries.

To manually add a domestic wire transfer beneficiary
  1. When logged into the Online Banking system, click Business Manager.
  2. Click Domestic Wire Transfers.
  3. Click Manage Domestic Beneficiaries.
  4. Click Add Beneficiary.
  5. Provide the domestic payee's name and contact information and the following details:
    Category: The category (if applicable) to which this beneficiary belongs.
    Funding Account: The account from which the domestic wire transfer is to be made.
    Usual Amount: The amount to be paid to the beneficiary.
  6. In the Bank Information section, provide the beneficiary's bank's name and address details.

  7. The Bank Identifier Code is the routing number of the beneficiary's bank that holds the account the money is being sent to.
  8. If the beneficiary's FI cannot accept wires and uses another FI to process incoming wires on their behalf, then provide the relevant details in the Intermediary Information section.
  9. In the Additional Information section, you can specify the optional the OBI and BBI information:
    Originator to
    Beneficiary Optional field that includes information for the payee.
    Information (OBI)
    Bank to Bank Optional field that includes information for the Information (BBI) payee's bank.
  10. Click Save to complete the process.
The new beneficiary is added to the Manage Domestic Wire Beneficiaries section.

Import A List of Domestic Wire Transfer Beneficiaries
If you have a large list of domestic wire transfer payees, you can batch import that list into the database.
  1. When logged into the Online Banking system, click Business Manager.
  2. Click Domestic Wire Transfers.
  3. Click Manage Domestic Beneficiaries.
  4. Click Import Domestic Wire Beneficiaries.
  5. Specify the following import parameters:
  6. Import Type: Select whether a file is to be imported or the contents of the file will be pasted.
    File: The location of the file to be imported.
    Category: The category to which the beneficiaries in the list belong.
    Payee Import: The import mode determines how the data is to be Mode imported into the database:
    • Amend - the entries in the import file are added to the database as long as those entries are not duplicates
    • Append - the entries in the import file are added to the database Without checking for duplication
    • Replace - replaces a current category
  7. Specify the load settings, and click Import File.
  8. Click Confirm to process the import file.
The imported beneficiaries are listed in the Manage Domestic Wire Beneficiaries section.

Edit Domestic Wire Transfer Beneficiary's Details
  1. On the Internet Banking Website, click Business Manager.
  2. Click Domestic Wire Transfers.
  3. Click Manage Beneficiaries.
  4. Click the Name link of the domestic wire transfer beneficiary to edit.
  5. Update the details for the domestic wire transfer beneficiary as required, and click Save.

Delete A Domestic Wire Transfer Beneficiary
  1. When logged into the Online Banking system, click Business Manager.
  2. Click Domestic Wire Transfers.
  3. Click Manage Beneficiaries.
  4. Select the check box of the domestic wire transfer beneficiary to be deleted, and click Delete.
  5. Click Delete to confirm the removal of the domestic wire transfer beneficiary.

Performing A Domestic Wire Transfer
After creating or importing new beneficiaries, you can proceed to making domestic wire transfers.

To perform a domestic wire transfer
  1. When logged into the Online Banking system, click Business Manager.
  2. Click Domestic Wire Transfers.
  3. Click the Domestic Wire Transfer tab.
  4. Select the Company from which the domestic transfer is to me made.
  5. Select the Beneficiary for whom the domestic transfer is intended. The beneficiary's details are auto-filled.
  6. Select the Beneficiary for whom the domestic transfer is intended.

  7. The beneficiary's details are auto-filled.
  8. Ensure the details are correct and click Submit.
  9. Click Confirm to submit your domestic wire transfer request.

Note that if a wire transfer is requested before post time, it will be processed on the current business day; if the wire transfer is requested after post time, it will be processed on the next business day.

Sending Multiple Domestic Wire Transfers
Business Online Banking enables you to send multiple domestic wire transfers in a batch.

To send multiple domestic wire transfers
  1. When logged into the Online Banking system, click Business Manager.
  2. Click Domestic Wire Transfers.
  3. Click Multi Wires.

  4. The Domestic Multi Wires screen is displayed, and enables you to select multiple domestic wire transfer recipients.
  5. Click Add.

  6. You are taken to the Wire Transfer screen.
  7. Select the domestic wire transfer beneficiary, check the details, and click Add to Multi Wires.
  8. Click Confirm.

  9. Repeat this process for other domestic wire transfers transactions you want to perform. You are then returned to the Domestic Multi Wires screen.
  10. Select the check boxes of the domestic wire transfers you wish to perform and click Submit.
You are informed that the domestic wire transfer transactions have been submitted.

Viewing Pending Domestic Wire Transfers
After you have performed domestic wire transfers, you can view your pending transactions.

To view pending domestic wire transfers
  1. When logged into the Online Banking system, click Business Manager.
  2. Click Domestic Wire Transfers.
  3. Click Pending Transactions.

Canceling Pending Domestic Wire Transfers
If required, you can cancel a domestic wire transfer before it has posted.

To cancel a pending domestic wire transfer
  1. When logged into the Online Banking system, click Business Manager.
  2. Click Domestic Wire Transfers.
  3. Click Pending Transactions.
  4. Click the Cancel link next to the relevant amount.
  5. Click Cancel Transaction to proceed with the cancelation.

Viewing Transaction History
Business Online Banking enables you to view a history of the previous domestic wires you may have made.

To view transaction history
  1. When logged into the Online Banking system, click Business Manager.
  2. Click Domestic Wire Transfers.
  3. Click View Transaction History.
  4. Provide the relevant search criteria:
    • Username: The business user who captured the transaction. This option is only available to a supervisor user.
    • Type: The type of payment to search for. This is auto-filled to be Domestic Wire Transfers.
    • Transaction Date The date of the transactions to include in the search results. The options include today, yesterday, or a specific date range.
    • Payee The payees to be included in the search results.
    • Memo The memo (if applicable) to include as part of the search criteria.
    • From Account The account from which the payment is made.
    • Include Pending This option enables pending transactions to be displayed in the search results. Transactions
    • Include Failed This option enables failed transactions to be displayed in the search results. Transactions
  5. Click Filter.
The Transaction History screen updates to show the relevant transactions based on your selection criteria.

You can print the list of transactions by clicking Print. To export the transaction to a file, select the appropriate Export Format and click Export.
Authorize Transactions
Business Online Banking enables you to establish different security levels within a company. For example, a larger company can empower a clerk to create transactions, but may require a manager to approve them before they are processed. In smaller companies, the staff settings can also be structured to establish dual controls one user drafts payments while another authorizes those payments. It is even possible to grant only the sole owner the power to create and authorize transactions.

Business Online Banking enables you to various authorization related tasks including:
  1. Viewing transactions requiring authorization
  2. Authorizing drafted transactions
  3. Deleting drafted transactions

Viewing Transactions Requiring Authorization
Business Online Banking enables you to view a list of transactions requiring authorizations. These transactions are for the current business day.

To view transactions requiring authorization
  1. When logged into the Online Banking system, click Business Manager.
  2. Click Authorize Transactions.
The transactions that have been drafted will be displayed along with their details:
  • Tran # The unique number for the transaction.
  • Date The date on which this transaction was drafted.
  • Drafted By The name of the business user who drafted the transaction.
  • Type The type of transaction that was drafted.
  • To The recipient to which payment is due.
  • Amount The amount to be paid to the recipient.
  • Memo A text memo to accompany the payment.
  • Frequency The frequency of this payment.
  • Account The account from which payment is to be made.

Authorizing Drafted Transactions
If you have been assigned the relevant permissions, you can authorize previously drafted transactions. A transaction that has been drafted must be authorized by post time on the day it was initiated. For example, if a user drafts an ACH payment today at 11:00 AM, the payment must be authorized by post time today. Failure to do so will result in the payment not being processed.

To authorize drafted transactions
  1. When logged into the Online Banking system, click Business Manager.
  2. Click Authorize Transactions.
  3. Click the check box of each transaction that needs to be authorized.
  4. Click Authorize.

You are informed the transaction was successfully authorized and returned to the Transactions Requiring Authorization screen.

Deleting Drafted Transactions
If you have been assigned the relevant permissions, you can delete previously drafted transactions.

To delete drafted transactions
  1. When logged into the Online Banking system, click Business Manager.
  2. Click Authorize Transactions.
  3. Click the check box of each transaction that is to be deleted and click Cancel.
  4. Click Cancel Transaction to confirm the action.
International Wire Transfers
Business Online Banking enables you to submit international wire transfer requests. You can perform various international wire transfer tasks including:
Managing International Wire Transfer Beneficiaries
You can add international wire transfer beneficiaries in one of two ways — manually adding a beneficiary or importing a list of beneficiaries.

To manually add a international wire transfer beneficiary
  1. When logged into the Online Banking system, click Business Manager.
  2. Click International Wire Transfers.
  3. Click Manage Beneficiaries.
  4. Click Add Beneficiary.
  5. In the Manage International Wire Beneficiaries section, specify the beneficiary's contact details and the following payment details:
    • Category The category to which this beneficiary belongs.
    • Funding Account The account from which the international wire transfer is to be made.
    • Country The country in which the beneficiary lives.
    • Currency The currency of the international wire transfer.
    • Usual Amount The amount to be paid to the beneficiary.
  6. In the Bank Information section, specify the recipient's bank details including the Beneficiary International Bank Account Number and SWIFT Code of the beneficiary's bank.

  7. Most international transfers are executed through SWIFT (Society for Worldwide Interbank Financial Telecommunication), which facilitates the transfer of financial messages. Each financial institution has its own SWIFT code.
  8. If the beneficiary's FI cannot accept wires and has another FI processing incoming wires on their behalf, specify the relevant details in the Intermediary Information section.
  9. Click Save to complete the process.
The new beneficiary is added to the Manage International Wire Beneficiaries section.

Import A List Of International Wire Transfer Beneficiaries

If you have a large list of international wire transfer beneficiaries you can batch import that list into the database.
  1. When logged into the Online Banking system, click Business Manager.
  2. Click International Wire Transfers.
  3. Click Manage Beneficiaries.
  4. Click Import International Wire Beneficiaries.
  5. Specify the following import parameters:
    • Import Type: Select whether a file is to be imported or the contents of the file will be pasted.
    • File: The location of the file to be imported.
    • Category: The category (if applicable) to which the beneficiaries in the list belong.
    • Payee Import: The import mode determines how the data is to be imported
    • Mode: into the database:
      • Amend - the entries in the import file are added to the database as long as those entries are not duplicates
        Append - the entries in the import file are added to the database without checking for duplication
        Replace - replaces a current category of database recipients with the recipients found in the import file
  6. Specify the import settings, and click Import File.
  7. Click Confirm to proceed with the import.

Edit International Wire Transfer Beneficiary's Details
  1. When logged into the Online Banking system, click Business Manager.
  2. Click International Wire Transfers.
  3. Click Manage Beneficiaries.
  4. Click the Name link of the international wire transfer beneficiary to edit.
  5. Update the details for the international wire transfer beneficiary as required, and click Save.

Delete An International Wire Transfer Beneficiary
  1. When logged into the Online Banking system, click Business Manager.
  2. Click International Wire Transfers.
  3. Click Manage Beneficiaries.
  4. Select the check box of the international wire transfer beneficiary to be deleted, and click Delete.
  5. Click Delete to confirm the removal of the international wire transfer beneficiary.

Performing An International Wire Transfer
After creating new beneficiaries, you can proceed to making an international wire transfer.

To perform an international wire transfer
  1. When logged into the Online Banking system, click Business Manager.
  2. Click International Wire Transfers.
  3. Select the Company from which the international transfer is to me made.
  4. Select the required beneficiary from the Beneficiary list.

  5. The beneficiary's bank information, amount to be paid, the amount, and all other necessary details are auto-filled.
  6. Ensure the details are correct and click Submit.
  7. Click Confirm to submit your international wire transfer request.

Note that if a wire transfer is requested before post time, it will be processed on the current business day; if the wire transfer is requested after post time, it will be processed on the next business day.

Sending Multiple International Wire Transfers
Business Online Banking enables you to send a batch of international wire transfers.

To send multiple international wire transfers
  1. When logged into the Online Banking system, click Business Manager.
  2. Click International Wire Transfers.
  3. Click Multi Wires.

  4. The International Multi Wires screen is displayed, and enables you to select multiple international wire transfer recipients for a batch international wire transfer.
  5. Click Add.

  6. You are taken to the International Wire Transfer screen.
  7. Select the international wire transfer details, and click Add to Multi Wires.
  8. Click Confirm.

  9. Repeat this process for other international wire transfers transactions you want to perform. You are then returned to the International Multi Wires screen.
  10. Select the check boxes of the international wire transfers you wish to perform and click Submit.
You are informed that the international wire transfer transactions have been submitted.

Viewing Pending International Wire Transfers

After you have performed international wire transfers, you can view your pending transactions. To view pending international wire transfers
  1. When logged into the Online Banking system, click Business Manager.
  2. Click International Wire Transfers.
  3. Click Pending Transactions.

Canceling Pending International Wire Transfers
If required, you can cancel an international wire transfer before it has posted. To cancel a pending international wire transfer
  1. When logged into the Online Banking system, click Business Manager.
  2. Click International Wire Transfers.
  3. Click Pending Transactions.
  4. Click the Cancel link next to the relevant amount.
  5. Click Cancel Transaction to proceed with the cancelation.

Viewing Transaction History
Business Online Banking enables you to view a history of the previous international wires you may have made.

To view transaction history
  1. When logged into the Online Banking system, click Business Manager.
  2. Click International Wire Transfers.
  3. Click Transaction History.
  4. Provide the relevant search criteria:
    • Username The business user who captured the transaction. This option is only available to a supervisor user.
    • Type The type of payment to search for. This is auto-filled to be International Wire Transfers.
    • Transaction Date The date of the transactions to include in the search results. The options include today, yesterday, or a specific date range.
    • Payee The payees to be included in the search results.
    • Memo The memo (if applicable) to include as part of the search criteria.
    • From Account The account from which the payment is made.
    • Include Pending This option enables pending transactions to be Transactions displayed in the search results.
    • Include Failed This option enables failed transactions to be displayed Transactions in the search results.
  5. Click Filter.
The Transaction History screen updates to show the relevant transactions based on your selection criteria.

You can print the list of transactions by clicking Print. To export the transaction to a file, select the appropriate Export Format and click Export.
ACH Receipts
Companies require ways to receive money electronically and ACH is a standard for fulfilling this requirement. ACH receipts can be used to collect funds owed by account holders at other financial institutions.

With Business Online Banking, you can perform ACH receipts-related tasks including:
Managing ACH Payors
Payors are the individuals or companies from whom you wish to collect funds. You can add ACH payors in one of two ways — manually adding an ACH payor, or importing a list of ACH payors.

Manually Add An ACH Payor
  1. When logged into the Online Banking system, click Business Manager.
  2. Click ACH Receipts.
  3. Click Manage ACH Payors.
  4. Click Add Payor.
  5. Provide the ACH payor's name and contact details including the necessary ACH payment details:
    • Category The category to which this ACH payor belongs.
    • Recipient Category This option is determined by the type of entity that the recipient is. Consumer recipients must receive PPD payments and commercial recipients must receive CCD payments.
    • ACH Addenda A text memo to accompany the ACH payment.
    • ABA Routing The routing number of the payee's bank.
    • Number
    • Account Number The account from which payment is made.
    • Account Type The type of account the payor has.
    • Usual Amount The amount to be paid to the payor.
    • Send Prenote Select this option to send a prenote that tests the validity of the payor's bank account number and ABA routing number.
  6. Click Add Payee to complete the process.
The newly added ACH payor is displayed on the Manage ACH Payors screen.

Import A List Of ACH Payors
  1. When logged into the Online Banking system, click Business Manager.
  2. Click ACH Receipts.
  3. Click Manage ACH Payors.
  4. Click Import ACH Payors.
  5. Specify the following import parameters:
    • Import Type Select whether a file is to be imported or the contents of the file will be pasted.
    • File The location of the file to be imported.
    • File Type The type of file to be imported — ACH or comma-delimited.
    • Category The category to which the payors in the list belong
    • Payor Import Mode The import mode determines how the data is to be imported into the database.
      • Amend — the entries in the import file are added to the database as long as those entries are not duplicates.
        Append — the entries in the import file are added to the database without checking for duplication.
        Replace — replaces a current category of database payors with the ones found in the import file.
  6. When you are finished, click Import File.
  7. Click Confirm to confirm the import of the ACH payors.

The ACH payors are imported and displayed in on the Manage ACH Payors screen.

Edit An ACH Payor's Details
  1. When logged into the Online Banking system, click Business Manager.
  2. Click ACH Receipts.
  3. Click Manage ACH Payors.
  4. Click the Name link of the ACH payee to edit.
  5. Update the details for the ACH payee as required, and click Save.


Send A Prenote
  1. When logged into the Online Banking system, click Business Manager.
  2. Click ACH Receipts.
  3. Click Manage ACH Payors.
  4. Select the check boxes of the ACH payors to whom a prenote must be sent, and click Send Prenote.
  5. Click Confirm to send the prenote.

Delete An ACH Payor
  1. When logged into the Online Banking system, click Business Manager.
  2. Click ACH Receipts.
  3. Click Manage ACH Payors.
  4. Select the check box of the payee to be deleted, and click Delete.
  5. Click Delete to confirm the removal of the ACH payor.

Making A Single ACH Receipt
A receipt is a single transaction for debiting funds from a payor's account, and Business Online Banking enables you to send a single ACH receipt.

Make a single ACH receipt
  1. When logged into the Online Banking system, click Business Manager.
  2. Click ACH Receipts.
  3. Click Single Receipt.
  4. Specify the following ACH receipt details:
    • To The company or subsidiary to which payment is owed.
    • To Account The account to which payment is made.
    • Send Date The date that the FI begins to process the ACH receipt items.
    • Effective Date The date that the company or subsidiary receives the ACH receipts.
    • 1-Day / 2-Day Determines whether the effective date of receipt is one or two days after the requested send date.
    • Frequency The frequency of the of the ACH receipt.
    • Category The relevant ACH receipt category.
    • From The ACH payor from which payment is made. The payor's details are auto-filled.
  5. Ensure the details are correct, and click Submit.
  6. Click Confirm to submit the transaction.
You are informed that the ACH receipt transaction has been submitted and its associated reference number is displayed.

Importing ACH Receipts
You can overwrite the existing usual ACH receipts amounts tied to the payors by importing data from your accounting software. In order to be properly imported, the names in the import file must be identical to the names of the existing ACH payors.

Import ACH receipts
  1. When logged into the Online Banking system, click Business Manager.
  2. Click ACH Receipts.
  3. Click Import ACH Receipts.
  4. Specify the location of the import file and click Load File.
  5. Click Confirm.
You are returned to the ACH Receipts screen and you can now perform multiple ACH receipt transactions.

Making Multiple ACH Receipts

Business Online Banking enables you to conveniently make multiple ACH receipts.

Make multiple ACH receipts
  1. When logged into the Online Banking system, click Business Manager.
  2. Click ACH Receipts.
  3. Click ACH Receipts.
  4. Specify the following ACH receipt details:
    • To: The company or subsidiary to which payment is owed.
      To Account: The account to which payment is made.
      Send Date: The date that the FI begins to process the ACH receipt items.
      Effective Date: The date that the company receives the payment.
      1-Day / 2-Day: Determines whether the effective date of payment is one or two days after the requested send date.
      Frequency: The frequency of the receipt.
      Category: The relevant ACH receipt category.
  5. Select the check box of each ACH payor that owes payment and ensure the amounts are correct. Add an ACH addendum for each payor if necessary.
  6. Ensure the account from which payment is to be made is correct, and click Submit.
  7. Click Confirm.

You are informed that ACH receipt transactions have been submitted and the associated reference numbers are displayed.

Viewing Pending ACH Receipts
After making any ACH receipts, you can view your pending transactions.

View pending ACH receipts
  1. When logged into the Online Banking system, click Business Manager.
  2. Click ACH Receipts.
  3. Click the Pending Transactions tab.
If an ACH receipt transaction has not been effected, it is possible to cancel it.

Canceling Pending ACH Receipts
If required, you can cancel a pending ACH receipt transaction before it has posted.

Cancel pending ACH receipts
  1. When logged into the Online Banking system, click Business Manager.
  2. Click ACH Receipts.
  3. Click the Pending Transactions tab.
  4. Click the Cancel link next to the relevant amount.
  5. Click Confirm to proceed with the cancelation.

Viewing Transaction History
Business Online Banking enables you to view a history of the previous ACH receipts you may have made.

View transaction history
  1. When logged into the Online Banking system, click Business Manager.
  2. Click ACH Receipts.
  3. Click Transaction History.
  4. Provide the relevant search criteria:
    • Username The business user who captured the transaction. This option is only available to a supervisor user.
    • Type The type of payment to search for. This is auto- filled to be ACH Receipts.
    • Transaction Date The date of the transactions to include in the search results.

    • The options include today, yesterday, or a specific date range.
    • Payor The payors to be included in the search results.
    • Memo The memo (if applicable) to include as part of the search criteria.
    • To Account The account to which the payment is made.
    • Include Pending This option enables pending transactions to be displayed in Transactions the search results.
    • Include Failed This option enables failed transactions to be displayed in the Transactions search results.
  5. Click Filter.
The Transaction History screen updates to show the relevant transactions based on your selection criteria.

You can print the list of transactions by clicking Print. To export the transaction to a file, select the appropriate Export Format and click Export.
Send a File
Business Online Banking enables you to send ACH and text files securely to your FI without having to use email or FTP which could be insecure. For example, if you wish to process payroll for a list ofemployees with all information saved on a particular file, you can use the "Send a File" functionality to send the file securely for processing.

If you have been assigned the relevant permissions, you can send a file to your financial institution.

Send a file
  1. When logged into the Online Banking system, click Business Manager.
  2. Click Send A File.
  3. On the Send a File screen, fill in the required details:
    • File Type The type of file to be sent to the financial institution — ACH or TXT.
    • File The location of the file. Note that the file size is set by your financial institution. If the file is over the limit, it will be rejected.
    • Comments A comment that will be included to aid the financial institution in retrieving the file.
  4. Click Submit.

  5. On the Confirm Send a File screen you can review the contents of the file.
  6. Click Confirm to send the file.

You are informed the file has been submitted and the associated reference number is displayed.
Managing Users
Business Online Banking enables you to administer other business banking users and their level of system access. A user's entitlements determine the accounts and functions that they can access on the Online Banking site.

You can perform user-related tasks including:
Add A Business User
  1. When logged into the Online Banking system, click Business Manager
  2. Click Administration. (The Managers Users screen is displayed and lists the currently enrolled business users.)
  3. Click Add.
  4. Type the contacts details of the new user and click Submit.

  5. (The Business User Enrollment screen displays the username and password that have been generated for the business user.)

  6. Click Enroll to add the new business user. (The new business user is added. Scroll down the screen to set the user's settings.)
  7. In the Base Features section, select the base functions to which the new user will have access.
  8. In the Account Access section, select the account to which the business user will have access, and click Add Account to User's Permission List.

  9. Repeat this step for each account that the business user needs access to.
  10. Select whether the user can have View, Withdrawal, or Deposit rights for each account added.
  11. For each Business Online Banking feature select the appropriate user permissions:
    • Draft Enables the business user to create or "draft" a specific type of transaction.
    • Authorize Enables the business user to authorize the drafted transaction.
    • Full Enables a business user to perform a specific type of transaction without it going through the drafted or authorization stages.
  12. If required specify the limits for the transactions where the user cannot draft, authorize, or make outright payments in a given period (daily, weekly, or monthly).
  13. In the Positive Pay section, select whether the user has full rights to this feature or select the individual rights:
  14. Send Issued Check Lists Enables the business user upload lists of issued checks.
  15. View Exceptions Enables the business user view any check exceptions, but they do not have the ability to make decisions for those exceptions.
  16. Make Decisions Enables a business user to view check exceptions and make decisions on whether to pay the suspect checks.
  17. Click Save.
The business user's permissions are updated.

Edit A Business User's Details
  1. When logged into the Online Banking system, click Business Manager.
  2. Click Administration. (The Manage Users screen is displayed.)
  3. Click the Username or the Full Name link of the user whose details you need to modify.
  4. Modify the relevant user details and entitlements, and click Save.


Reset A Business User's Password
  1. When logged into the Online Banking system, click Business Manager.
  2. Click Administration.
  3. Click the Username or the Full Name link of the business user.
  4. Click Reset Password.
  5. Accept the generated password or specify a password of your own, and click Save.
The business user's password is reset and you are returned to the Business User Details screen.

Reset A Business User's Cookie
  1. When logged into the Online Banking system, click Business Manager.
  2. Click Administration.
  3. Click the Username or the Full Name link of the business user.
  4. Click Reset To Single Computer Token.
The following message is displayed once the user "cookie" has been reset.


Reset A Business User's Passmark
  1. When logged into the Online Banking system, click Business Manager.
  2. Click Administration.
  3. Click the Username or the Full Name link of the business user.
  4. Click Unlock MFA Access. (MFA stands for Multifactor Authentication)
The following message is displayed once the user "Passmark" has been reset.

View A Business User's Activity
  1. When logged into the Online Banking system, click Business Manager.
  2. Click Administration.
  3. Click the Username or the Full Name link of the business user.
  4. Click View Activity Report. (The Business User Activity Report screen is displayed.)
  5. Specify the following search criteria:
    • Activity Category The category under which the activity falls, for example Transactions.
    • Activity If an activity category type is selected from the list, the activities in the category are displayed for selection. For example, if the activity category is Transactions, an activity within that category can be Bill payments.
    • Start Date The start date of the search.
    • End Date The end date of the search.
  6. After you have specified the search criteria click Search.

The search results are displayed.

Copy A Business User
  1. When logged into the Online Banking system, click Business Manager.
  2. Click Administration.
  3. Click the Username or Full Name link of the business user.
  4. Click Copy.

The configuration settings of the business user are copied and the Business User Details screen enables you to create a completely new business user based on the settings of the copied business user.

Disable A Business User
  1. When logged into the Online Banking system, click Business Manager.
  2. Click Administration.
  3. Click the Username or the Full Name link of the business user.
  4. Click Disable.

The business user is disabled. To enable the user's access to the Online Banking site, click Enable.

Delete A Business User
  1. When logged into the Online Banking system, click Business Manager.
  2. Click Administration. (The Manage Users screen is displayed.)
  3. Select the check box of the user to be deleted, and click Delete.
  4. Click Delete to confirm deletion of the business user.

Editing Company Information
Business Online Banking enables you to specify company-related information and to manage the different subsidiaries of your business.

You can perform company-related tasks including:
  • Editing company information
  • Adding a subsidiary
  • Editing a subsidiary's details
  • Deleting a subsidiary

To edit company information
  1. When logged into the Online Banking system, click the Business Manager tab.
  2. Click Administration.
  3. Click Company Information.
  4. To edit the company information, click the Main Business Customer link.
  5. On the Edit Business Customer Details screen you can modify the company-related details including:
    • Nickname A short, easily remembered name for the company.
    • Full Name The full name of the company.
    • Address The location of the company.
    • ACH Name The company name that appears as the originating entry for all ACH items (including payroll, collections, ACH payments, and ACH receipts) submitted on behalf of the company.
    • Tax ID The federal tax ID number of the company.
    • Tax Region The region for which the federal tax ID is valid.
  6. Change the information as necessary and click Submit.
  7. On the Confirm Business Customer Details screen, click Confirm to confirm your changes.


Add A Subsidiary
Subsidiaries are subdivisions of the company. It is possible to assign different values to subsidiaries from those of the main company.
  1. When logged into the Online Banking system, click the Business Manager tab.
  2. Click Administration.
  3. Click Company Information.
  4. In the Subsidiaries section, click Add Subsidiary.

  5. Specify the new subsidiary's contacts details, tax information, and ACH name. After you have finished, click Submit.


Edit A Subsidiary's Details
  1. When logged into the Online Banking system, click the Business Manager tab.
  2. Click Administration.
  3. Click Company Information.
  4. In the Subsidiaries section, click the link of the relevant subsidiary.
  5. Change the information as necessary and click Submit.


Delete a Subsidiary
  1. When logged into the Online Banking system, click the Business Manager tab.
  2. Click Administration.
  3. Click Company Information.
  4. In the Subsidiaries section, select the check box of the subsidiary to be removed, and click Delete.
  5. On the Confirm Subsidiary Deletion screen, click Delete to remove the subsidiary.


Assigning Account Permissions
Business Online Banking enables you to enable or disable functionality per account.

To assign account permissions:
  1. When logged into the Online Banking system, click the Business Manager tab.
  2. Click Administration.
  3. Click Accounts.
  4. On the Account Entitlements screen, select the functionality that can be performed on each account.
  5. Click Save.
  6. On the Confirm Account Entitlements screen, click Confirm to make your changes permanent.

Any changes made on the Account Entitlements screen will only take place on your next login.

Specifying Dual Authorization Limits
Business Online Banking enables dual authorization to be performed. This means that two different users have to authorize a transaction before it can proceed. This applies when the transaction amount exceeds the dual authorization limit.

To specify dual authorization limits:
  1. When logged into the Online Banking system, click the Business Manager tab.
  2. Click Administration.
  3. Click Authorization.
  4. Select the check box next to each transaction category for which you wish to enable the dual authorization limits and specify the limit for each feature.
  5. When you are finished, click Save.
Do Positive Pay
Positive Pay is a service that protects businesses against altered checks and counterfeit check fraud. Business Online Banking enables clients to view and make payment decisions on check items that are presented at their FIs for a different dollar amount than what the checks were originally written for.

This will lessen the risk of fraudulent checks or related errors, by providing the business clients with a decision step when an unexpected check is presented for payment.

Business Online Banking enables you to perform the following Positive Pay tasks:
Sending Issued Checks
If you have been assigned the relevant permissions, you can send issued checks.

Send issued checks
  1. When logged into the Online Banking system, click Business Manager.
  2. Click Do Positive Pay.

  3. If you are accessing the feature for the first time, the Positive Pay Disclaimer screen is displayed.
  4. Select I Accept the Disclaimer and click Submit.

  5. The Send Issued Checks screen is displayed and enables you to select the account from which the checks were issued, and upload issued checks data from your accounting software. November 2, 2010 137
  6. Select the Account Number from which the checks were paid.
  7. To upload issued checks data, select Upload a File.
  8. Click Browse and locate the comma-delimited file to upload.
  9. Click Submit.

You are informed that the issued checks are sent successfully.

Reviewing Exceptions
If you have been assigned the relevant permissions, you can make decisions regarding the clearing of suspect checks.

Review exceptions
  1. When logged into the Online Banking system, click Business Manager.
  2. Click Do Positive Pay.
  3. Click View Exceptions.
  4. The Review Exception Checks screen is displayed and list the exceptions returned from the Positive Pay provider. The following information is displayed:
    • Account # The account number from which the check was issued.
    • Description The type of the account from which the check was issued.
    • Decisions The number of exception decisions that still have to be Outstanding made for the account.
    • Total # of The total number of exceptions for the account.
    • Decisions November 2, 2010 139

    To view the exception for an account, click the Account # link of the required account. The exceptions for the account are displayed.
  5. Select the relevant decision. The options available include:
    • No Decision The default decision type. If no decision is given before the stipulated time, the default Positive Pay action specified for your business profile is used.
    • Pay Pay the exception.
    • Return Do not pay the exception.
  6. Specify the reason for the decision you have made in the Decision Reason text box and click Submit.
  7. Click Submit.

You are informed that you decision has been successfully updated and are returned to the Review.

Temporary Impact to Your Online Access

While we update our system to bring you an enhanced online experience the Online Banking System will be unavailable. The exact details of the outage will be communicated to you by email.

If during this time you need to obtain account details, please call our automated 24-hour, telephone banking service at (614) 416-BANK (2265). If you need any other assistance please email Client Services at info@heartlandbank.com or call 1-800-697-0049.


Improving the way you do your Business Banking online.

We’re upgrading our Business Online Services to provide you with an even better way to manage your business finances online. With added layers of security and robust feature functionality, you’ll enjoy the convenience of managing your business accounts online with us.