The Community Bank Digital Banking Business Features Guide

DIGITAL BANKING Business Features Guide

II Published by Murphy & Company, Inc. 13610 Barrett Office Drive, Suite 206 St. Louis, MO 63021 www.mcompany.com © 2009-2025 Murphy & Company, Inc. Macintosh is a trademark of Apple Inc., registered in the U.S. and other countries. Adobe Reader is a registered trademark of Adobe Systems, Inc. Copyright 2021 CSI. All rights reserved. Disclaimer Concepts, strategies and procedures outlined in this guide can and do change and may not be applicable to all readers. The content in this guide is not warranted to offer a particular result or benefit. Neither the author, publisher nor any other party associated with this product shall be liable for any damages arising out of the use of this guide, including but not limited to loss of profit, commercial, special, incidental or other damages. For complete product and service information, please refer to the terms, conditions and disclosures for each product and service.

1 Getting Started Welcome to Business Digital Banking with The Community Bank! Whether you are at home or the office using a mobile phone, tablet or laptop, we strive to make your Business Online Banking experience easy and convenient. By adding powerful commercial products and features, TCB provides you with the complex tools your business needs to achieve its goals. Business Online Banking shares similar features with our personal accounts, but this guide is designed to direct you through business features only. You can navigate this guide by clicking a topic or feature in the Table of Contents. Each section provides an overview and steps to help you during the Business Digital Banking process. If you have additional questions, contact us at 740-454-1600.

2 Table of Contents Getting Started Business Digital Banking Overview.............................................................................4 Sub-Users................................................................................................................................ 4 Transaction Type Overview ..................................................................................................4 Logging In.......................................................................................................................5 Logging Off .............................................................................................................................5 Resetting a Forgotten Password .................................................................................6 User Management Sub-Users Overview .....................................................................................................7 Adding a New Sub-User ...............................................................................................9 Editing a Sub-User ......................................................................................................10 Part 1: Editing Sub-User Permissions................................................................................11 Part 2: Editing Sub-User Account Access ..........................................................................12 Account Access............................................................................................................14 Hold Account Access ...........................................................................................................14 Remove Account Hold.........................................................................................................15 Deleting a Sub-User....................................................................................................16 ACH ACH Overview..............................................................................................................17 New ACH Batch ...........................................................................................................18 Part 1: Creating an ACH Batch............................................................................................18 Part 2: Adding a Recipient...................................................................................................19 ACH File Upload ..........................................................................................................21 Editing an ACH Batch..................................................................................................23 Editing or Adding a Recipient to an ACH Batch.......................................................24 Editing or Deleting a Recipient ..................................................................................25 Deleting an ACH Batch ...............................................................................................27 Review and Initiate a One-Time ACH Batch.............................................................28 Review and Initiate a Recurring ACH Batch .............................................................30 Review and Initiate Multiple ACH Batches...............................................................32 Uninitiate an ACH Batch.............................................................................................34 Tax Payments ..............................................................................................................35 Wires Wire Overview .............................................................................................................37 New Wire......................................................................................................................38 Part 1: Creating a Wire ........................................................................................................38 Part 2: Recipient Information .............................................................................................39 Part 3: Receiving and Intermediary Institutions...............................................................40

3 Editing a Wire Template .............................................................................................42 Deleting a Wire Template ..........................................................................................43 Editing a Wire ..............................................................................................................44 Deleting a Wire............................................................................................................45 Review and Initiate a Wire Template........................................................................46 Review and Initiate a Wire .........................................................................................47 Fraud Detector aka Positive Pay Introduction.................................................................................................................49 Creating a Custom Template.....................................................................................50 Manually Add a Check................................................................................................52 Upload Issued Item File..............................................................................................54 Managing Exceptions .................................................................................................57

4 Getting Started Business Digital Banking Overview Whether you’re an enterprise, large corporation or small organization, our flexible Business Digital Banking can efficiently serve you. Depending on your bank or company policy, you may need to set up your sub-users before jumping into our state-of-the-art system. Sub-Users If your business only needs one person with access to Business Digital Banking, you can set up a single login ID and password. This is typical for small companies who primarily use basic Digital Banking tools with occasional business transactions. For larger organizations, our system lets you establish multiple login IDs and passwords for authorized employees. You can customize which employees get access to different features or accounts within Business Digital Banking by establishing user permission. Transaction Type Overview Various types of payment methods are offered through Business Online Banking including wire and ACH transfers. Both methods are quick electronic payments. ACH payments can be posted as soon as next business day and can be used to pay or draft multiple recipients at once. Wires are faster, generally posting the same business day and can be used to pay one recipient at a time. Please contact us for a full list of wire and ACH fees or if you have any questions. Getting Started: Business Digital Banking Overview

5 Getting Started Logging In After your first-time enrollment, logging in is easy and only requires your username and password. If you are logging in on a device you have not previously registered, you need to request a two-factor authentication (2FA) code. 3 2 1 1. Click the Login Now button. 2. Enter your username and click the Continue button. 3. Enter your password and click the Sign in button. Logging Off For your security, you should always log off when you finish your Digital Banking session. We may also log you off due to inactivity. 1. Click your name in the lower left corner of the screen. 2. Click the Sign out tab. 3. Close your internet browser. Getting Started: Logging In

6 Getting Started Resetting a Forgotten Password If you happen to forget your password, you can easily reestablish a new one from the TCB Home page—no need to call us! 1 2 4 5 3 1. Click the Login Now button. 2. Click the “Forgot?” link. 3. Enter your username. 4. Enter your email address. 5. Click the Next button. 6. (Optional) If you don’t remember your username or email click the “Try another way” link and enter your social security number and account number. 7. After successfully completing the two-factor authentication, you will be able to create a new password and log in. Getting Started: Resetting a Forgotten Password

7 User Management Sub-Users Overview Depending on your number of employees, owners and company policies, Business Digital Banking lets you set up multiple users with different responsibilities. New users can be created with their own unique login IDs and passwords. Each sub-user is assigned a set of user permissions that permit or prevent them from performing certain actions such as: • Sending or drafting payments and creating templates for certain transaction types. • Accessing specific accounts. • Managing users. • Account transfers Admin users can set up the features, accounts and permissions each sub-user needs to do their job. Establishing these settings will give sub-users the exact permissions needed to perform specific tasks, helping you manage your business and keep it running as smooth as possible. User Management: Sub-Users Overview

8 The Sub-Users page lets you view all your existing sub-users in one, easy place. From here, you can create sub-users, edit permission and oversee your employees on a day-to-day basis. B A C D E A. Click your profile in the lower left corner of the screen, then click Business Management. B. The following information presents for each sub-user: • Name • Username • Role • Status C. Use the search box to search for a user. D. Click the icon to filter users. E. Click the “+ Create user” link to add a sub-user. User Management: Sub-Users Overview

9 User Management Adding a New Sub-User You can set up a new sub-user by creating a new profile and assigning user permissions. It is important to contact the financial institution any time a new user is added to keep user contact information up to date. 3 4 5 2 1 6 Click your profile in the lower left corner of the screen, then click Business Management. 1. Click the “+ Create user” link. 2. Enter the user’s first and last name. 3. Enter the user’s email address. 4. Use the drop-down to select a user role. 5. Click the Create user button. 6. Enter your password and click the Confirm password button. Note: New users will be created using your organization’s default set of permissions. You can edit a user’s permissions at any time by going to their user profile. Go to page 10 for more information about editing a sub-user. User Management: Adding a New Sub-User

10 User Management User Management: Editing a Sub-User 1 2 3 4 Editing a Sub-User You can make changes to existing sub-users at any time. This is especially beneficial if someone’s job title changes or their approval limits need to be adjusted. Click your profile in the lower left corner of the screen, then click Business Management. 1. Select the sub-user you would like to edit. 2. Click the icon and select “Edit user.” 3. Make the necessary changes to the sub-user. 4. Click the icon when you are finished.

11 Part 1: Editing Sub-User Permissions You can assign and edit a sub-user’s access rights. This helps you decide which responsibilities and limitations a user can have regarding certain transactions. 1 2 3 4 5 Click your profile in the lower left corner of the screen, then click Business Management. 1. Select the sub-user you would like to edit. 2. Click the Set permissions button. 3. (Optional) Click the icon to view permission definitions. 4. Use the toggles to enable and disable a users permissions. 5. Enter any necessary limits. User Management: Editing a Sub-User

12 Part 2: Editing Sub-User Account Access Decide which account a user will have access to. 1 3 2 Click your profile in the lower left corner of the screen, then click Settings. Click the User management tab. 1. Select the sub-user you would like to edit. 2. Use the toggles to enable and disable accounts. 3. Select an account to modify account level permissions. User Management: Editing a Sub-User

13 4 5 6 4. (Optional) Click the icon to view permission definitions. 5. Use the toggles to enable and disable account permissions. 6. Enter any necessary limits. User Management: Editing a Sub-User

14 User Management Account Access Holding a user’s account will temporarily disable their account access. They will not be able to log in to their account until the hold on their account is removed. You may want to put a user on hold under certain circumstances such as: an extended leave of absence, vacation, etc.. Hold Account Access 1 2 3 Click your profile in the lower left corner of the screen, then click Business Management. 1. Select the sub-user you would like to hold account access for. 2. Click the icon and select “Hold account access.” 3. Click the Hold button. User Management: Account Access

15 Remove Account Hold 1 2 Click your profile in the lower left corner of the screen, then click Business Management. 1. Select the sub-user you would like to release from an account hold. 2. Click the “Remove” link. User Management: Account Access

16 User Management Deleting a Sub-User You have the ability to permanently delete a sub-user that is no longer needed. This deletes their contact information from the Sub-Users page and deactivates their Business Digital Banking login ID, but it does not erase the data from any existing payments. 3 1 2 Click your profile in the lower left corner of the screen, then click Business Management. 1. Select the sub-user you would like to delete. 2. Click the icon and select “Delete user.” 3. Click the Delete button. User Management: Deleting a Sub-User

17 ACH ACH Overview ACH, which stands for Automated Clearing House, is an electronic payment system used for the secure and efficient transfer of funds between financial institutions. ACH transactions are not processed instantly. They can be posted as early as next day. This delay in processing allows for the consolidation and efficient handling of multiple transactions A B C D Note: Same-day ACH will be available soon. In the Payments tab select ACH. A. Click the icon to filter batches by type. B. Click the History tab to view your ACH history. C. Click the Create ACH, Upload ACH or Pay taxes buttons to create new ACH batches. D. Click an active ACH batch to view more details, make edits or delete. ACH: ACH Overview

ACH: New ACH Batch 18 ACH New ACH Batch It’s easy to create a new ACH Batch. You have the option to manually enter batch and recipient information or you can upload a NACHA formatted file. Part 1: Creating an ACH Batch 1 2 3 4 5 6 7 In the Payments tab select ACH. 1. Click the Create ACH button. 2. Enter a batch name. 3. Select a company. 4. (Optional) Enter a company ID. 5. Select an SEC code. 6. Enter an entry description. 7. (Optional) Enter discretionary data.

ACH: New ACH Batch 19 Part 2: Adding a Recipient Add recipients to an ACH batch. 1 11 12 13 14 3 2 4 5 7 10 6 9 8 1. Click the “Add recipients” link. 2. Enter the recipients full name. 3. Enter an amount. 4. Select a transaction type. 5. Enter their account number. 6. Enter their routing number. 7. Use the drop-down to select an account type. 8. Check the box to prenote a participant, if needed. 9. Check the box to hold a payment, if needed. 10. (Optional) Click the “Optional fields” link. 11. (Optional) Enter an ID number. 12. (Optional) Enter an addenda. 13. (Optional) Click the “+ Add another recipient” link to add another recipient. 14. Click the Save recipient button.

20 15 16 15. Click the Create batch button. 16. Click the Done button. Note: Prenoting a participant will issue a test transaction to the receiving financial institution to ensure validity of the account information. Selecting Prenote will create an additional batch labeled “PNT----” that you will initiate separate from the original batch. You may hold a recipient when you do not want them to receive funds for this processing date. ACH: New ACH Batch

21 ACH ACH File Upload ACH File Upload allows you to upload properly formatted NACHA ACH files generated from your accounting software. The following validations are performed on uploaded ACH files: • File structure • Record field validations (record length, alphanumeric, special characters) • File balanced utilizing an offset account available in digital banking • SEC was enabled by your financial institution • Batch and File Control Totals equal contents of file • Hash totals equal contents of file • Dollar Limits are within Business and User aggregate ACH limits • Company Names and IDs match what was set up by your financial institution • Effective Date is within permitted date range • Business Cutoff • ACH Debit and Credit Lead Days • Same Day ACH Cutoff Note: ACH Upload functionality conforms to NACHA guidelines. These guidelines have been established to help financial institutions mitigate security and financial risk. ACH: ACH File Upload

22 1 2 4 5 3 In the Payments tab select ACH. 1. Click the Upload ACH button. 2. Select the file to be uploaded 3. Click the Upload button. 4. Review the upload status. 5. (Optional) Click the icon to review statuses. ACH: ACH File Upload

23 ACH Editing an ACH Batch You can edit any active ACH batch. 3 2 1 In the Payments tab select ACH. 1. Select the ACH batch you would like to edit. 2. Click the “Edit” link. 3. Make the necessary changes and click the Save button. ACH: Editing an ACH Batch

24 ACH Editing or Adding a Recipient to an ACH Batch You can edit or add recipients to any active ACH batch. 4 3 2 1 In the Payments tab select ACH. 1. Select the ACH batch you would like to edit. 2. Click the “recipient” link. 3. Click the icon to edit a recipient’s transaction amount, hold the recipient or send a prenote. 4. Click the icon to add a recipient. ACH: Editing or Adding a Recipient to an ACH Batch

25 ACH Editing or Deleting a Recipient You can edit a recipient’s bank information, ID number, and/or addenda information. 3 2 1 In the Payments tab select ACH. 1. Select the ACH batch you would like to edit. 2. Click the “recipient” link. 3. Click the recipient you would like to edit. ACH: Editing or Deleting a Recipient

26 4 4. Make the necessary changes or click the icon to delete a recipient. ACH: Editing or Deleting a Recipient

27 ACH Deleting an ACH Batch You can delete pending transactions up until two days before their processing date. 2 3 1 In the Payments tab select ACH. 1. Select the ACH batch you would like to delete. 2. Click the icon and select “Delete payment.” 3. Click the Delete button. ACH: Deleting an ACH Batch

28 ACH Review and Initiate a One-Time ACH Batch You can initiate any active ACH batch for one-time batch processing. 2 1 For one-time batch processing: in the Payments tab select ACH. 1. Select the ACH batch you would like to initiate. 2. Click the Review and initiate button. ACH: Review and Initiate a One-Time ACH Batch

ACH: Review and Initiate a One-Time ACH Batch 29 3 8 4 5 6 7 9 3. (Optional) Click the “Show details” link to show additional details. 4. Select an offset account. 5. Select an effective date. 6. (Optional) Check the box to reset amounts to $0.00 after processing 7. Click the Initiate button. 8. Enter your password and click the Confirm password button. 9. Click the Done button.

30 ACH Review and Initiate a Recurring ACH Batch You can initiate any active ACH batch for recurring batch processing. 2 1 For recurring batch processing: in the Payments tab select ACH. 1. Select the ACH batch you would like to initiate. 2. Click the Review and initiate button. ACH: Review and Initiate a Recurring ACH Batch

ACH: Review and Initiate a Recurring ACH Batch 31 6 3 4 5 7 8 9 10 11 3. (Optional) Click the “Show details” link to show additional details. 4. Select an offset account. 5. Select a frequency. 6. Select a start date and click the Confirm button. 7. Select an end date. 8. (Optional) Check the box to reset amounts to $0.00 after processing 9. Click the Initiate button. 10. Enter your password and click the Confirm password button. 11. Click the Done button.

ACH: Review and Initiate Multiple ACH Batches 32 2 ACH Review and Initiate Multiple ACH Batches You can initiate multiple active ACH batch. 1 3 5 4 6 7 In the Payments tab select ACH. 1. Click the icon. 2. Select the ACH batches you would like to initiate. 3. Click the Initiate button. 4. Select an effective date for each batch. 5. Select an offset account. 6. (Optional) Check the box to reset amounts to $0.00 after processing 7. Click the Initiate button.

33 8 9 8. Enter your password and click the Confirm password button. 9. Click the Done button. ACH: Review and Initiate Multiple ACH Batches

34 ACH Uninitiate an ACH Batch You can uninitiate any initiated ACH batch. 1 2 3 In the Payments tab select ACH. 1. Select the ACH batch you would like to uninitiate. 2. Click the Uninitiate button. 3. Click the Uninitiate button. Note: You can only uninitiate a batch that is in an “Initiated” status. ACH: Uninitiate an ACH Batch

ACH: Tax Payments 35 ACH Tax Payments With Business Digital Banking, you can initiate a local, state or federal tax payment through the Electronic Federal Tax Payment System (EFTPS) without ever leaving your home or office. 1 6 7 2 8 3 9 4 10 5 In the Payments tab select ACH. 1. Click the Pay taxes button. 2. Select the tax authority. 3. Enter the payment name. 4. Enter the tax period. 5. Click the Next button. 6. Select a company. 7. Select a pay from account. 8. Select the pay to account. 9. Enter the taxpayer ID. 10. Click the Next button.

36 11 12 13 14 11. Select a tax code. 12. Enter an amount. 13. Click the Create payment button. 14. Click the Done button. ACH: Tax Payments

37 Wires Wire Overview A wire transfer is a method of electronically transferring funds from one individual or entity to another. It involves the movement of money between different financial institutions. Wire transfers are typically fast, secure, and reliable, making them a popular choice for various types of financial transactions. A B C D E In the Payments tab select Wires. A. Click the History tab to view your wire history. B. Click the Templates tab to view your wire templates. C. Click the Create Wire button to create new wires or wire templates. D. Use the drop-down to change the account. E. Click a wire to view more details, make edits or delete. Wires: Wire Overview

38 Wires New Wire Domestic wires allow you to send funds to any recipient within the U.S. Make sure you have all of the necessary account and contact information for the recipient before you continue. Part 1: Creating a Wire 2 3 1 4 In the Payments tab select Wires. 1. Click the Create wire button. 2. Enter a wire name. 3. Use the drop-down to select an account. 4. Click the “Add recipient” link to add a recipient. Wires: New Wire

39 Part 2: Recipient Information Add a recipient to a wire. 3 2 1 1. Enter the recipient’s name. 2. Enter the recipient’s account number. 3. (Optional) Enter the recipient’s address. Wires: New Wire

40 Part 3: Receiving and Intermediary Institutions When sending a wire, the receiving financial institution is the final bank that receives the funds. Some financial institutions use an in-between third-party bank called an intermediary to process funds. If the receiving bank uses an intermediary, the intermediary bank’s information will need to be input as well. 2 2a 3 1 1. Search for or enter the recieiving financial institution information. 2. (Optional) Click the “+ Add intermediary institution” link to add an intermediary financial instutution. a. Search for or enter the intermediary financial institution information. 3. Click the Save button. Wires: New Wire

41 2 1 3 4 5 1. Enter an amount. 2. (Optional) Click the “Add notes” link to add a note. 3. (Optional) Check the box to save as a template. 4. Click the Create wire button. 5. Review the wire information and click the Done button. Wires: New Wire

42 Wires Editing a Wire Template Easily edit a template when changes are necessary. 1 3 2 4 In the Payments tab select Wires. 1. Click the Templates tab. 2. Select the template you would like to edit. 3. Click the “Edit” link. 4. Make the necessary changes and click the Save button. Wires: Editing a Wire Template

43 Wires Deleting a Wire Template Delete an unnecessary template. Once a template is deleted, previous payments using the template do not change. 1 2 3 4 In the Payments tab select Wires. 1. Click the Templates tab. 2. Select the template you would like to delete. 3. Click the icon. 4. Click the Delete button. Wires: Deleting a Wire Template

44 Wires Editing a Wire You can edit any pending wire transfer. 1 2 3 In the Payments tab select Wires. 1. Select the wire you would like to edit. 2. Click the “Edit” link. 3. Make the necessary changes and click the Save button. Wires: Editing a Wire

45 Wires Deleting a Wire You can delete pending transactions up until their processing date. 3 1 2 In the Payments tab select Wires. 1. Select the template you would like to delete. 2. Click the icon. 3. Click the Delete button. Wires: Deleting a Wire

46 Wires Review and Initiate a Wire Template Easily initiate a wire template. 1 2 4 5 3 5 In the Payments tab select Wires. 1. Click the Templates tab. 2. Select the template you would like to initiate. 3. Click the Review and initiate button. 4. Enter your password and click the Confirm password button. Wires: Review and Initiate a Wire Template 5. Click the Done button.

47 Wires Review and Initiate a Wire Easily initiate a wire. 1 2 4 3 In the Payments tab select Wires. 1. Select the wire you would like to initiate. 2. Click the Review and Initiate button. 3. (Optional) Click the “Show details” link to show additional details. 4. Click the Initiate button. Wires: Review and Initiate a Wire

48 6 5 5. Enter your password and click the Confirm password button. 6. Click the Done button. Wires: Review and Initiate a Wire

49 Fraud Detector aka Positive Pay Introduction Positive Pay is a fraud detection tool that helps minimize or eliminate check fraud, prevent related losses and simplify your account reconciliation. Positive Pay requires the Customer to upload a file of issued checks or manually enter issued checks through their TCB Online Banking application each time checks are issued. When those issued checks are presented for payment at the bank either through the inclearing files or presented over the counter for encashment, they are compared electronically against the list of issued checks. When the components of the check (amount and check number) do not match the issued check information that was uploaded, a positive Pay Exception is created. Exceptions must be reviewed and decisioned by the Customer as they may be indicators that fraud has occurred on their account. It should be noted that the upload as well as the review of any identified exceptions is extremely time sensitive. Timely uploads ensure that when checks are presented for payment, they can be compared to the list of issued items and valid checks will not be rejected. Exception item review and decisioning must occur by 3:00 p.m. the morning after presentment. Fraud Detector aka Positive Pay: Introduction

50 Fraud Detector aka Positive Pay Creating a Custom Template 1 2 3 In the Payments tab select Positive pay. 1. Click the Manage templates button. 2. Click the icon. 3. Click the Delimited button. Fraud Detector aka Positive Pay: Creating a Custom Template

Fraud Detector aka Positive Pay: Creating a Custom Template 51 4 5 11 6 7 8 9 10 4. Enter a template name. 5. Indicate whether or not your spreadsheet includes a decimal. 6. Enter which column is used for each item in your file. For any item you are not using, leave the column field blank. 7. Indicate a column and set the indicators. 8. Indicate a column and select a date format. 9. If you are using payee recognition, the payee column also needs to be indicated. 10. Click the Review button. 11. Click the Save button. Your template is now ready to use.

52 Fraud Detector aka Positive Pay Manually Add a Check You can manually add a check when you want to enter the check information, instead of uploading a CSV file. 1 2 Note: Default cutoff for Positive Pay additions and decisions is 3:00 p.m. In the Payments tab select Positive pay. 1. Click the Add checks button. 2. Click the Add your checks manually button. Fraud Detector aka Positive Pay: Manually Add a Check

Fraud Detector aka Positive Pay: Manually Add a Check 53 4 3 5 6 7 8 9 10 11 12 13 3. Select the account the check was issued from. 4. Enter the check number. 5. Enter the amount. 6. Enter the payee. 7. Leave Type drop-down on “Debit.” 8. Select the check date. 9. (Optional) To add another check, click the Save and enter another button. 10. Click the Review Checks button. 11. Review the information and click the Approve button. 12. Click the Approve button. 13. Click the Done button.

54 Fraud Detector aka Positive Pay Upload Issued Item File Add checks by uploading a comma delimited file. The following information is mandatory and must be included in the file. Go to page 50 for more information about creating a custom template. • Check Number • Amount • Date Note: If you are using payee recognition, the payee also needs to be included in the file. Fraud Detector aka Positive Pay: Upload Issued Item File

55 2 5 3 4 1 In the Payments tab select Positive pay. 1. Click the Add checks button. 2. (Optional) Click the “View CSV formatting guide” link to view the necessary CSV formatting. 3. Select the account the check was issued from. 4. Select the CSV file. 5. Click the Review checks button. Fraud Detector aka Positive Pay: Upload Issued Item File

56 6 7 6. Review the upload and click the Approve button. 7. Click the Done button. Note: Your upload will appear on the positive pay homepage. Fraud Detector aka Positive Pay: Upload Issued Item File

57 Fraud Detector aka Positive Pay Managing Exceptions Customers that utilize Positive Pay are responsible for reviewing their exceptions and decisioning them prior to 3:00 p.m. every business day. Failure to timely review exceptions could result in a loss to the customer or the potential for a valid item being returned. When checks are posted to the account, the system reviews the check elements against the details in the upload (or against the manually created items) and the set parameters. Any variances will result in an Exception item. Exceptions may be created due to the following reasons: • Duplicate Check Number: The item was previously paid. • Mismatch Amount: Amount does not match the upload amount or the manually created item amount • Paid Not Issued: The item was never loaded into the system as an issued check. • Stop Pay Item/Voided Item: The item was previously voided. • High Check Number: The check number is greater than the “High Check Number” set in the parameters. • Low Check Number: The check number is lower than the “Low Check Number” set in the parameters • Amount Exceeds Limit: The amount exceeds the “Amount Limit” set in the parameters. • Stale Dated Item Paid: The item is a stale dated check. A check is considered stale dated if it is older than 180 days. • Previously Paid Item Posted: The item was previously paid. Note: Positive Pay alerts will automatically be created for users with access to positive pay. Fraud Detector aka Positive Pay: Managing Exceptions

58 2 3 4 5 1 Click the Positive Pay tab. 1. Click the Work check exceptions or Work ACH exceptions button. depending on the type of exception you need to manage. 2. Select an account. 3. (Optional) Click an exception to view additional details. 4. Check the box next to an exception to pay. Uncheck the box next to an exception to return. 5. Click the Submit button. Fraud Detector aka Positive Pay: Managing Exceptions

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