www.randolphsavings.com
Business Online
User Guide
Business Online User Guide
Welcome to Business Online at Randolph Savings Bank. We’ve created
this guide to help answer your questions about how you can manage
your finances online with Randolph Savings Bank Online Banking.
In addition to accessing account information, transferring funds online,
and paying your bills online, you’ll also be able to chat online with a
customer service representative if you need assistance.
Business Online with Randolph is hassle-free and convenient – and
you’ll be able to get more done in less time using our online tools.
Welcome, and we hope you enjoy this guide to online business banking.
Concepts, strategies and procedures outlined in this guide can and do change and may not be applicable to all readers. Some options may not be available based on services chosen and user level permissions. The content in this guide is not warranted to offer a particular result or benefit. Neither the author/ publisher, nor Randolph Savings Bank 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.
Login and Password . . . 2 Multi-factor Authentication
MFA Device Print Security MFA Enrollment
Definitions Change Password
Security Procedures . . . 8 Required Security Procedures
Strongly Recommended Security Procedures
Administration Tab . . . 16 Employee Profile & Permissions
Codes Banner
Contact Methods Banner Client Details Banner Security Banner
Multi-factor Authentications Banner Role Assignment Banner
Overrides Banner Approvals Options Banner Fund Transfers Options Banner
Bill Pay . . . 22 Pay a Bill
View Payments and Bills Page
Browser Q&A . . . 30 Safari Version 1.2.3 Issues
Internet Explorer for Windows
Management Tools Tab . . . 34 Management Tools Tab
Transfers Issued Transfer List
Confirmation and Warning Page Issue Multiple Fund Transfers
ACH Manager . . . . 38 Set Up an ACH Transfer
View an ACH Transfer Update an ACH Transfer Send Funds via an ACH Transfer Send Funds via ACH using Existing ACH
Transfer
Delete an ACH Transfer Reverse an ACH Transfer Review an ACH Transfer
Review an ACH Transfer Template Import ACH Transfer (NACHA) Without
Template
Import ACH Transfer (Non-NACHA) Using New Template
ACH Transfer Report
Wire Transfers . . . 56 New Wire Transfer
Wire Funds Using Existing Wire Transfer New Wire Transfer Template
View a Wire Transfer Update a Wire Transfer Review Wire Transfers Page Wire Transfer Report Wire Transfer Detail Page
Review Tab . . . . 68 Fund Transfer Review
Link Live/Live Chat . . . 70 Link Live
Desktop Sharing Secure Email
Glossary . . . . 76
Table of Contents
Multi-factor Authentication
MFA Device Print Security
MFA Enrollment
Definitions
Contact Information Section
Challenge Questions and Answers Section
Change Password
Login & Password
Multi-factor AuthenticationRandolph Savings Bank may use one of the following options:
• MFA Device Print Security – strong authentication solution uses specific
machine forensics information from the user’s PC.
• MFA Security Token (using VASCO technology) – utilizes a
“connectionless” One-Time Password (OTP) token that generates a unique password every 36 seconds.
MFA Device Print Security
Multi-factor authentication is available without having to install new software or carry any special devices. This password-enhanced PC forensics solution identifies each user based on a password and the specific computer being used, assuring Randolph Savings Bank that the user is legitimate and ensures that the user is truly at Randolph Savings Bank’s website.
MFA Device Print Security combines the traditional user code and password with something the user already possesses – a computer. The result is end-to-end protection against phishing, spoofing, keyboard logging, and other fraudulent attacks.
If a user has more than one computer, supplemental authentication through knowledge-based question and answers, or emailing a OTP confirms the user’s identity.
Key Features:
• Supplemental authentication information is provided in case the device ID and device fingerprint do not recognize the user. The customer’s computer is registered with a single identifier (a device ID) that uses secure cookies and Macromedia® Flash® shared objects.
MFA Enrollment
The MFA enrollment process allows a customer to log on to Randolph Savings Bank’s corporate internet banking website and enroll in MFA Device Print Security multi-factor authentication.
1. Open a supported internet browser.
2. In the address bar, type www.randolphsavings.com, and then click Go.
3. In the Login box, click the radio button for Business.
Once the enrollment process is complete, the user is prompted to change the password. (See definitions for more information.) Once the MFA enrollment process is complete, you can log on to the internet banking website using registered and unregistered computers.
7. Type the current Password, the New Password, and then re-type the New Password to confirm. Click Submit.
8. Click Accept.
Definitions
The following are Randolph Savings Bank defined instructions to complete enrollment process. These fields are not required, however, it is highly recommended that the profile be filled out thoroughly as fields may be associated with ancillary modules.
Contact Information Section
E-mail Address: The email address to which the Forgot Your Passcode/PIN and
One-Time Passcode information is sent. Verify the email address is correct or type an email address if one does not already exist.
Confirm E-mail Address: Re-enter the email address for verification.
Challenge Questions and Answers Section
Challenge Question 1–3: Select three questions used for authentication when
logging on from an unregistered computer. Several predefined questions are available for selection.
Answer 1–3: The unique answers to Challenge Questions 1–3.
Computer Registration: Indicate whether to register the computer as a trusted
computer. Once a computer is registered, the user is not challenged on subsequent login attempts.
This is a Personal Computer. Register It.
This is a Public Computer. Do Not Register It. (Default)
4. Type the Access ID (User Code) in the Login box, and then click the arrow.
5. Type the Password and then click, Log In.
6. The MFA Device Print Security Enrollment page appears. Type the Security Data information, select the appropriate option button to register the computer, and then click Submit.
NOTE: A single user may register multiple computers. Computer registration tokens are stored in a PC’s Cache, Cookies, and/or Flash Object. Therefore, clearing these items may de-register a PC.
Account Services Tab
Users are prompted to change passwords every 90 days. Past passwords may be re-used.
Passwords must:
• Include alphabetic and numeric characters. Alphabetic characters are case sensitive.
• Be a minimum of eight (8) characters and a maximum of sixteen (16) characters in length, with a minimum of two (2) numeric characters • Contain at least one (1) uppercase letter
• Contain at least one (1) lowercase letter
• Contain at least one (1) special character: ! ? * # $ % &
To Change a Password:
1. Log on to Business Online.
2. Click Account Services and select Change Password.
3. Type the current Password, the New Password, and then re-type the New Password to confirm.
Required Security Procedures
Strongly Recommended Security Procedures
Security Procedures
Required Security ProceduresThe following sets forth the security procedures with which Customer agrees to comply when using Randolph Savings Bank’s Business Online Banking Services. Customer agrees that these security procedures are commercially reasonable. The Bank may issue new Security Procedures and/or cancel or change any Security Procedures from time to time. Except as may otherwise be noted, the
following Security Procedures are required for all customers:
Login ID: This is the electronic identification (which may be in letters, numerals and special characters) associated with each user of the Services that will be used for log-in.
Password: Each user of the Services will also be required to have a unique password known only to the user. Passwords are case-sensitive and must meet certain requirements, which are: minimum 8 characters, maximum 16 characters, minimum 2 numbers, 1 uppercase letter, 1 lowercase letter, 1 special character.
Each user is required to change his or her individual password from time to time for security purposes and on a frequency established by Bank. Login IDs and individual passwords may not be shared with any other person or entity.
Enhanced Log-in Security: In addition to the above individual Login IDs and passwords, access to the Services includes, as part of the security procedures, a multi-factor authentication security procedure at log-in for each user. Enhanced log-in security incorporates an additional multi-part credential for each user of the Services of identity authentication that may include, but is not limited to, additional log-in security features such as security cookies, flash objects, and one-time pass-codes. The enhanced log-in security will require each user of the Services to establish and utilize, in addition to individual Login IDs and passwords, his/her own individual authentication by selecting a preferred out-of-band delivery channel for one-time pass-codes that may be required from time to time at log-in. These log-in pass-codes may be delivered to users via email or such other method as Bank may offer from time to time, including but
not limited to delivery to a designated phone or mobile device, as applicable, either by voicemail or SMS text.
Enhanced Transaction Security: An additional security procedure that may be required by Bank includes the use of one-time pass-codes for certain transactional functionality associated with ACH transactions and wire transfers. These transaction pass-codes may be delivered to users via voicemail, SMS text, a physical security device or token (“Token”), or such other method as Bank may offer from time to time. As applicable, a Token will be issued to users, for example, for use in initiating and/or approving ACH transactions and wire transfers. Notwithstanding the foregoing, Bank reserves the right to incorporate the use of transaction pass-codes for certain other functionality from time to time, in its sole discretion, including by way of example only and not by way of limitation, the use of transaction pass-codes with certain administrative functionality and for the creation of ACH and wire templates, as applicable. Physical security of each Token is Customer’s sole responsibility. Fees may apply to Tokens, as reflected in the Fee Schedule.
With the Token, each user will receive a PIN number that the user must keep in a secure place. When a user leaves Customer’s employ and/or his or her Login ID must otherwise be deleted and, if a Token had been issued to such user, Bank must be promptly notified so that the Bank may deactivate such user’s Token. Any additional user requiring a Token must be authorized, in writing by Customer to Bank, for Token creation or re-creation and deployment. If applicable, fees may be assessed for additional Tokens.
Minimum System Requirements: The Services are designed to operate using the latest operating system and browser combinations. It is important for Customer to keep the Computer’s operating system and browser version current to ensure maximum security and user experience.
Required Security Procedures:
- At least 128-bit encryption technology or its equivalent. - Company ID plus User ID and individual password
- Tokens - An additional required security procedure incorporates use of a
separate physical security device or token (“Token”) which generates a One-Time-Password (OTP) for log-in functionality. A Token provides an additional layer of security and will be issued to authorized user(s) for use in gaining access to the Online Services system. Physical security of each Token is Customer’s sole responsibility.
Additional Strongly Recommended Security Procedures:
From time to time and as applicable, the Bank may make available additional security procedures for use with ACH origination or wire transfers via the Services. The Bank strongly recommends the use of these additional security procedures to help deter and protect against unauthorized transactions associated with the Services, including the following:
- Dual Control - The security procedures include controls within the
Services and ACH origination, wire transfers and Bill Payment to segregate the duties of those authorized users who can create transactions from those authorized users who can release transactions. With this additional security feature, one authorized user creates, edits, cancels, deletes and restores certain transactions with his/her User ID, password, OTP and other access credentials; a second different authorized user with his/ her User ID, password, OTP and other access credentials reviews and/or approves the transaction request prior to it being released.
- IP Restrict – For business customers that consistently utilize the Services
from only a few locations and IP addresses, access to such Customers’ Services account can be limited to those IP addresses.
- Time Restrict – Access to Customer’s Services can be restricted to hours
set by Customer’s Administrator.
- Alerts – Users can request email alerts to all users if certain events take
place on Customer’s account.
- Recommended Security Procedures are subject to system availability and connectivity.
information and security measures that Customer can take to help protect Customer’s Accounts from scams and other harmful attacks:
Protecting your business’s financial assets is a top priority at Randolph Savings Bank, but we can’t do it alone. Just as you protect your business’s physical location from intruders by activating a burglar alarm at closing time, your business’s computers must be protected from cyber thieves attempting to exploit weaknesses in your computer network. Please be aware that FDIC Insurance or Regulation E (the Electronic Funds Transfer Act) does not cover fraud losses for business customers. Randolph Savings Bank recommends that all business owners discuss online fraud protection with their insurance carriers to ensure they are adequately protected in the event of a loss.
Harden your Computer against cyber-attacks. Computers that are not appropriately protected can become an open gateway for cyber criminals to access your online account or perform malicious activity. Unfortunately, antivirus products alone are not enough to protect you from malware that can give cyber criminals control of your computers. Below are basic tips to protect the Computers at your business.
1. Use a dedicated computer: If possible, dedicate a computer to be used
ONLY for online banking purposes to mitigate the risk of computer and user credentials being compromised. Your business’ computer system should not be used for email, social media, or web browsing.
2. Password Protection: A unique password or token PIN is the first step
of securing your online information. Select a password/PIN that is easy for you to remember but do not select birthdays, sequential numbers or street addresses. Do not share your password/PIN with anyone. Remember, Randolph Savings employees will never ask for your password. 3. Keep your operating systems, antivirus and other software up to
date. Scan your computers for viruses regularly.
4. Fraud Awareness: Fraudsters use official-looking e-mails (Phishing) and
websites to lure you into revealing confidential financial information. The phishing messages appear to be from trusted banks, retailers or other companies. Be suspicious of any e-mail with urgent requests to “verify
account information.” When in doubt, call the sender directly and validate the message. If you receive a suspicious email, do not click on any links or attachments, since they could contain malware. Just delete the email. 5. Transaction Review: Check your account balances and transaction
activity daily and promptly report any suspicious activity to your account manager or call 877-963-2100 and speak to a Randolph Savings Bank Customer Service Representative.
Make your computer less vulnerable to cyber thieves. Your business online account has built-in security options you can use to protect and monitor your online activity. Don’t wait until your business is a victim of cyber fraud before you protect yourself.
1. Enroll and Check your Email Alerts: Reviewing email alerts immediately
can protect against fraudulent activity on your account.
2. Review Account Activity: Review your online accounts for any
transactions you did not initiate. Early detection may prevent large losses. 3. Requiring two individuals to execute transactions (dual control)
can prevent fraudulent activity even if one employee’s computer is compromised.
4. Change your Password: Changing your password periodically reduces
the chance of it being compromised.
5. Only use Company Computers: When accessing online business
accounts, only use designated company computers that use the company network. Non-business computers and networks are more likely to be infected with malware.
How to identify common attacks by cyber criminals. No one wants to become a victim of cyber fraud, but if it does happen, responding to it quickly is of the utmost importance. Below are ways to help your employees identify when they may be the victim of cyber fraud, or when you should consider contacting Randolph Savings Bank for assistance. Be sure that all employees that are authorized to use Business Online on your behalf are aware of these tips. Call 877-963-2100 and speak to a Randolph Savings Bank Customer Service Representative if you experience any of the following scenarios:
1. If you receive an email alert regarding a wire, ACH, or bill pay transaction you did not initiate;
2. If you receive an email alert regarding a change of password or email address you did not create;
3. If you see unknown transactions or balance inconsistencies on your account;
4. If the login screen looks different or has unusual fields or prompts; 5. If you receive a message saying online banking is unavailable due to
maintenance or another reason after you just logged in; 6. If you log on to Randolph Savings Bank online banking and are
immediately logged off, your account is locked for no apparent reason, or your computer freezes.
Learn about your liability in the event of a cyber-attack. Randolph Savings provides the Services to its business customers to add convenience for conducting financial transactions, but we cannot assume liability for fraud on business accounts as a result of malware and/or system vulnerabilities on our customers’ Information Technology systems. Our business customers must ensure that adequate security controls are in place on their Information Technology systems before accessing the Services to minimize risk. Business customers are contractually obligated to maintain the security of their computers and must monitor their accounts proactively and frequently. This means that you will be responsible for any fraudulent financial activity on your account if your business’s computers or accounts are compromised. Business customers who use their Information Technology systems to house proprietary, financial, or personnel information should employ an Information Security Professional periodically to conduct a thorough review of their systems and security controls.
Employee Profile & Permissions
Codes Banner
Contact Methods Banner
Client Details Banner
Security Banner
Multi-factor Authentications Banner
Role Assignment Banner
Overrides Banner
Approvals Options Banner
Fund Transfers Options Banner
Administration
Randolph Savings Bank will set up the Business Online account for the business and the employee who will be acting as the security administrator for the business. The security administration will then set up all other employees within the business with their appropriate user rights and privileges.Employee Profile & Permissions
1. Click Administration, and then select Profile & Permissions.
2. Select the function and then type the search criteria. 3. Click Submit.
4. Click the New Employee option button and then click Submit.
Codes Banner
Name: Type the employee’s first and last name. Security Level: Select the employee access level.
Employee – The employee is not authorized to review transfers.
Supervisor – The employee has administration rights and is authorized to
review transfers from their own Display Group.
Administrator – The employee has administration rights and is authorized
to review transfers of others.
Senior Administrator – The employee has administration rights (including
assigning other administrators), and is authorized to review transfers of others.
Employee Group: Identifies under which Display Group the employee is listed
(for example, Supervisor, Administrator).
Transaction Exports: Determines if the employee can export transactions to
banking software products.
Status: Determines if an employee is currently using Internet Banking: Active Employee
Frozen Status, No Access – Employee is not deleted but has no access Closed Employee Record – Indicates a former employee who has not yet
been deleted from the system
Date Created: Identifies when the employee record was created.
Date Last Accessed: Identifies when the employee record was last accessed. Date Last Changed: Identifies when the employee record was last modified.
Contacts Methods Banner
E-mail Address: Type the employee’s email address.
Business Phone: Type the employee’s business telephone number.
Business Phone Ext.: Type the employee’s business telephone number’s
extension.
Mobile Phone: Type the employee’s mobile phone number.
Client Details Banner
Displays the client with which the user is associated. Security Banner
Access ID: Indicates the unique ID used to log on. The Access ID is case
sensitive.
PIN: The personal identification number for security verification. Used with
tokens only.
Terms Acceptance Date: Indicates the date the employee accepted the Terms
and Conditions statement.
Change Password: Click the Change Password link to establish a temporary
password.
NOTE: A temporary password is established and the client is prompted to establish a new password at initial log on.
Multi-factor Authentication Banner
Token Status: Select the status of the token from the list: None – Tokens are not used
Outstanding Order – Not applicable Token Ordered – Not applicable
Pending Enablement – Token has not been enabled Token Enabled – Token enabled and working
Token Disabled – Token cannot be used Token Lost – Token reported as lost
Token Damaged – Token reported as damaged Token Type: Select the type of Token used from the list:
None – Tokens are not used DP 260 – Not applicable GO3
Role Assignment Banner
Click the Add Role link to assign a role. Overrides Banner
Cutoff Group Override: Reserved for future use.
Approvals Options Banner
Review Internal Transfers: Indicates if fund transfers issued by the employee
require client review.
Approve Transfers: The ability to approve transfers.
Fund Transfers Options Banner
Inquire Transfers: Indicates if the employee can inquire into transfers. Note: This option is required for single sign on to Check Free® Small Business. Initiate Transfers: Indicates if the employee can issue fund transfers.
Pay a Bill
View Payments and Bills Page
Bill Pay
A business customer can create bill payments from their accounts. A bill payment vendor processes the bill payments. Bill payment transactions are stored in a Bill Pay file that is sent to the bill payment service at 7:30 p.m. CT, Monday through Saturday. When a customer creates a bill payment on a non-processing day, the payment is processed on the next business day. Bill payments cannot be processed to addresses in foreign countries.Available Bill Payment functions are:
• Create, modify, and delete biller records for payment recipients • Request electronic bills to replace paper billing
• Make single payments to any biller, or multiple payments at the same time • Associate invoice and discount information with single payments
• Make repeating payments to any biller; you can also modify repeating payment details as necessary before they are sent
• Approve payments created by users with system validations that require approval
To pay a bill:
1. Move your mouse cursor over or click the Management Tools menu.
2. Click the Bill Payments submenu item. The Welcome to Online Bill Pay
3. Click the Get Started button.
4. Select the account to Pay From.
5. Click the add a bill link to add the companies and people to pay using
Online Bill Pay.
8. If adding a company with an account number, enter the Biller Name
Or
If adding a company without an account number or a person, enter the
Phone Number.
9. Click Search.
10. If the company displays, click Add Bill
4
5
6. In the Who do you want to pay section?, select the type of bill you want to
add.
7. Click Continue.
Or
If the Add Additional Information page displays, enter the biller name and address information and click Add Bill. The Company Added page
displays.
12. Enter the Amount to pay and the Pay Date. • Payment status • Account number
• User who initiated the payment
Bill Payments Issued Page: Use this page to review the status of a bill payment.
Bill Payment Description: A unique number identifying the transfer assigned when a transfer is issued.
Note: To view Bill Payment Detail information for a particular transfer, click on
the Bill Payment Description link.
Current Status: Bill Payment status. The Current Status types include: • Approved • Disapproved • Pending Approval • Pending Administrator Approval • Pending Supervisor Approval • Processed
Employee: Employee who issued the payment.
Payment Date: Date the payment was issued.
Payment Amount: Amount of the payment.
Edit: Used to update a current day or future dated payment. The Edit link only displays for the user that initiated the bill payment.
Delete: Used to delete a current day or future dated bill payment. The Delete link only displays for the user that initiated the bill payment.
Bill Payment Confirmation Page: The Bill Payment Confirmation page is displayed once a bill payment has been issued.
Biller Name: Payee receiving the bill payment. 13. Click Make Payments. The Review Payments page displays.
14. Click Submit Payments. The Payment Confirmation page displays.
15. Click Finished.
View Payments and Bills Page
The View Payment and Bills page displays all bill payments and bills for
the past 18 months, including electronic bills and the bills that you pay automatically.
You can view the payment information by predefined date ranges. You can also enter your own range of dates and search for payments and bills by:
• Biller name • Category
Account: Corporate client-defined name of the account and account number used to originate funds for the bill payment.
Amount: Dollar amount of the bill payment.
Pay Date: Date the bill payment is issued.
Confirmation Number: Number assigned to each bill payment. The confirmation number is used to track individual bill payments.
Safari Version 1.2.3 Issues
When trying to sign into bill pay, the business user may see a branded page at the top with a blank page at the bottom. When navigating within the application, the Safari browser appears to freeze and pages do not load.
After downloading transactions into a QIF file, the business user is unable to see or access the downloaded file.
When using the Safari browser’s back button, the previous page of the business user’s bill pay may appear differently (revealing hidden links and modified styles).
Internet Explorer for Windows
When attempting to access the bill pay portion of the online banking site, business users are redirected to the Sign-In page.
The screen displays unusually large fonts. The business user sees unusual-looking fonts.
Internet Explorer for Windows XP Service Pack 2: The Send Payments button is missing on the Payment Center page, or a “permission denied” error message is received.
Browser Q&A
Safari Version 1.2.3 issues (used on Macintosh OS X platform)1. When trying to sign into bill pay, the business user may see a branded page at the top with a blank page at the bottom.
This issue is resolved by updating the browser’s cookie settings. Go to Safari > Preferences > Security. By default, the radio button for cookies is set to “Only from sites you navigate to.” The radio button for “Always” should be selected. After making this change, signing in should load a complete page.
2. When navigating within the application, the Safari browser appears to freeze and pages do not load.
If the progress wheel stops spinning while the business user is trying to navigate to other pages within the application and the desired page is not loading, he or she can simply click on the page. The new page should appear. Reloading the page with the refresh button should also have the same effect.
A Safari browser add-on called Safari Speed removes a page loading delay built into Safari to substantially increase the speed at which pages are loaded. The business user can perform the following:
• Go to http://www.macupdate.com/info.php/id/15704 (the Safari Speed 1.0.2 download page).
• Click Download Now to download the product (SafariSpeed.tar – 140kb).
• Select the directory to unzip the file and install the file onto the computer. • Restart the computer.
3. After downloading transactions into a QIF file, the business user is unable to see or access the downloaded file.
The Safari browser may be configured to remove the file upon successful download. To correct the problem, the business user can perform the following steps to reconfigure the browser:
• Select Remove download list items manually
4. When using the Safari browser’s back button, the previous page of the business user’s bill pay may appear differently (revealing hidden links and modified styles).
The business user should avoid using the back button, instead relying on the navigation elements within the application. Alternatively, the business user can select the browser’s refresh button after hitting the back button, to resend the form.
Internet Explorer for Windows
1. When attempting to access the bill pay portion of the online banking site, business users are redirected to the Sign-In page.
Disabled cookies within the business user’s browser cause this issue. This can be resolved by turning on “accept cookies” from Tools > Internet Options > Privacy > Advanced. The Advanced Privacy Settings page displays.
2. The screen displays unusually large fonts.
A workaround is available to address this issue with CheckFree Small Business; however, the browser setting changes suggested here may affect the business user’s experience when viewing other web sites.
The issue can be resolved using the following steps: • Go to Tools > Internet Options > Accessibility
• Select “Ignore font sizes specified on Web pages” and then click OK.
3. The business user sees unusual-looking fonts.
This issue is caused when the browser’s local sheet style, which dictates font preferences, overrides the cascading style sheet built into CheckFree Small Business.
The issue can be resolved by removing the browser setting to use the business user’s style sheet. Go to Tools > Internet Options > Accessibility and uncheck
“Format documents using my style sheet.”
4. Internet Explorer for Windows XP Service Pack 2: The Send Payments button is missing on the Payment Center page, or a “permission denied” error message is received.
Tip. A workaround is available. The business user should add the Bill Pay URL to the “Trusted sites” under the Internet Options menu item in Internet Explorer. Caution: This will resolve this issue, but will also produce a security warning popup when the bill payment link is clicked. Once inside the application, the popup no longer appears, but every time the business user attempts to enter the application from the bill pay site, the pop up reappears. This popup is designed by Microsoft.
To add the URL to the list of trusted sites: • Go to Tools > Internet Options > Security
• Click on the “Trusted Sites” image, and then click on the “Sites” button below it.
Enter the URL (web address) for the bill pay site, and then click Add.
• Click OK, and then click OK again. All options should be gone.
Management Tools Tab
Transfers Issued
Transfer List
Confirmation and Warning Page
Issue Multiple Fund Transfers
Management Tools
Management Tools TabFunds can be transferred between corporate accounts within Randolph Savings Bank or to accounts at other financial institutions. The Management Tools menu allows clients to manage funds within authorized accounts.
Note: The Management Tools area and all the information contained within are connected to the Employee Security Level.
The Management Tools area also includes additional inquiries into specific fund and file transfers, inquiries into the accounts the transfers are occurring from, a recap of all fund and file transfers, and a list of all the predefined fund transfers that have been issued.
Fund and file transfer templates are assigned to an employee by the corporate administrator. The employee can only manage transfers listed within the Management Tools area. The Bill Payment link verbiage may vary depending upon the product used.
Funds Management consists of:
• ACH Manager • Wire Manager • Transfer List • Transfers Issued • Bill Payments Issued
File Management consists of:
• Transfer List • Transfers Issued
Transfers Issued
1. Click Management Tools, and select Transfer List.
2. Click the Transfer Description link of the appropriate transfer.
Transfer information appears on the left section of the page; the information required to issue the fund transfer appears on the right.
3. To initiate the fund transfer, type the transfer information and then click
Submit.
Transfer List
The Funds Management Transfer List provides a list of all fund transfer templates to which a specific user has access. It also enables users to issue one or several transfers.
1. Click Management Tools.
2. Select Transfer List.
Each transfer template details the account used as the source of the transfer funds. The next transfer date and the next transfer amount display for templates set up as recurring.
Confirmation and Warning Page
A fund transfer confirmation screen appears after you click submit. The fund transfer confirmation displays the number of fund transfers completed and the
total amount transferred.
Note: A message may display to indicate the fund transfer is pending approval. Only designated employees can review pending items in Client Review.
Issue Multiple Fund Transfers
If a user would like to perform more than one transfer using a generic transfer template, the Batch Transfer Mode eliminates the need to repeat the entire process for each transfer.
1. Select Funds Management and then select Transfer List.
2. Click the Transfer Description link and then click the Batch Transfer Enabled button.
3. Type the Issue Transfer information and the click Add Transfer.
The first transfer is added to the batch. 4. Type the information for the next transfer. 5. Click Add Transfer.
6. Click Remove to remove a transfer from the batch.
7. Once all transfers have been entered, click Submit All.
A transfer status bar appears. When the transfer is complete, confirmation numbers will appear.
View an ACH Transfer
Update an ACH Transfer
Send Funds via an ACH Transfer
Send Funds via ACH using Existing ACH Transfer
Delete an ACH Transfer
Reverse an ACH Transfer
Review an ACH Transfer
Review an ACH Transfer Template
Import ACH Transfer (NACHA) Without Template
Import ACH Transfer (Non-NACHA) Using New
Template
ACH Transfer Report
ACH Manager
View an ACH TransferComplete the following to view an existing ACH transfer.
To view an ACH transfer:
1. Log In to Business Online.
2. Move the mouse pointer over the Management Tools menu and select ACH Manager. The Select External Transfer Criteria page displays.
3. Click the Inquire ACH Transfer button.
4. To search by description, enter a descriptive title of the ACH transfer you
are searching for in Transfer Description
or To search by date, enter the beginning date to search for a transfer in Date Range and the ending date to search for a transfer in To
or To search by amount, enter the minimum amount to search for in Amount Range and enter the maximum amount to search for in To or To search by confirmation number, enter the Confirmation Number of
the ACH transaction
or Leave blank to view all transfers.
5. Click the Submit button. The transactions that meet the search criteria
display in the ACH List section of the page.
Note: For more information about a specific ACH transfer, click the Transfer
Update an ACH Transfer
Complete the following to update an ACH transfer.
To update an ACH transfer:
1. Log In to Business Online.
2. Move the mouse pointer over the Management Tools menu and select ACH Manager. The Select External Transfer Criteria page displays.
3. Click the Change ACH Transfer button.
4. To search by description, enter a descriptive title of the ACH transfer you
are searching for in Transfer Description
or To search by date, enter the beginning date to search for a transfer in Date Range and the ending date to search for a transfer in To
or To search by amount, enter the minimum amount to search for in Amount Range and enter the maximum amount to search for in To or To search by confirmation number, enter the Confirmation Number of
the ACH transaction
or Leave blank to view all transfers.
5. Click the Submit button. The transactions that meet the search criteria
display in the ACH List section of the page.
6. Click the Transfer Description of the specific ACH Transfer you wish to
update. The ACH transfer page displays.
7. Update the desired fields on the ACH transfer page to change the ACH transfer.
8. Click the Save button to begin the update request. The Confirmation page
displays.
9. Click the Done button to complete the update to the ACH transfer. The
Select External Transfer Criteria page displays. Send Funds via an ACH Transfer
Complete the following to send funds from one account to another via ACH. Use this procedure if there is not an existing ACH transfer that can be used.
To send funds via ACH:
1. Log In to Business Online.
2. Move the mouse pointer over the Management Tools menu and select ACH Manager. The Select External Transfer Criteria page displays.
3. Select New ACH Transfer.
4. Select the Standard Entry Class Code for the ACH transfer from ACH Type.
10. Enter the total Amount to be withdrawn.
11. In the Transfer To section, enter the Name/Employee Name to receive
the funds.
12. Enter the Employee ID to receive the funds, if applicable.
13. Enter the Account Number to receive the funds.
14. Select the Account Type of the account receiving the funds.
15. Enter the R/T number of the financial institution to receive the funds.
16. Enter the Individual ID Number, if applicable.
17. Enter the Amount of the transfer.
18. Select Prenote to send a notification of a future ACH transfer, if desired. Note: The information included in the prenote matches the information that
will be carried on subsequent entries but does not include the dollar amount or transaction code. Prenotes should be sent at least 10 business days prior to the transaction.
19. Click the Description link to enter a description, if desired.
20. Click the Save button to save the transfer and submit later
or Click the Process button to submit the transfer. The Processing Status
page displays with the Status Activity.
21. Click the Done button to complete the transfer. The Select External
Transfer Criteria page displays.
Send Funds via ACH using Existing ACH Transfer
Complete the following to send funds from one account to another via ACH using an existing ACH transfer.
To send funds via ACH using an existing ACH transfer:
1. Log In to Business Online.
2. Move the mouse pointer over the Management Tools menu and select ACH Manager. The Select External Transfer Criteria page displays.
3. Select New ACH Transfer Using Existing Transfer.
5. Click the Submit button. The New ACH type page displays with fields
relevant to the ACH type selected.
6. Enter the Description of the ACH transfer.
7. Enter the Transfer Start Date or select one from the calendar.
8. Select the Recurring Frequency or leave as None if not recurring.
4. Click the Submit button. The ACH List displays.
5. Select the Transfer Description link of the ACH transfer to use. The ACH
transfer page displays.
6. Enter the Description of the ACH transfer.
7. Enter the Transfer Start Date or select one from the calendar.
8. Select the Recurring Frequency or leave as None if not recurring.
9. In the Transfer From section, select the Account to withdraw funds from.
10. Enter the total Amount to be withdrawn.
11. In the Transfer To section, enter the Name/Employee Name to receive
the funds.
12. Enter the Employee ID to receive the funds, if applicable.
13. Enter the Account Number to receive the funds.
14. Select the Account Type of the account receiving the funds.
15. Enter the R/T number of the financial institution to receive the funds.
16. Enter the Individual ID Number, if applicable.
17. Enter the Amount of the transfer.
18. Select Prenote to send a notification of a future ACH transfer, if desired. Note: The information included in the prenote matches the information that
will be carried on subsequent entries but does not include the dollar amount or transaction code. Prenotes should be sent at least 10 business days prior to the transaction.
19. Click the Description link to enter a description, if desired.
20. Click the Save button to save the transfer and submit later
or Click the Process button to submit the transfer. The Processing Status
page displays with the Status Activity.
21. Click the Done button to complete the transfer. The Select External
Transfer Criteria page displays. Delete an ACH Transfer
Complete the following to delete an ACH transfer.
To delete an ACH Transfer:
1. Log In to Business Online.
2. Move the mouse pointer over the Management Tools menu and select ACH Manager. The Select External Transfer Criteria page displays.
3. Select Delete ACH Transfer.
4. To search by description, enter a descriptive title of the ACH transfer you
are searching for in Transfer Description
or To search by date, enter the beginning date to search for a transfer in Date Range and the ending date to search for a transfer in To
or To search by amount, enter the minimum amount to search for in Amount Range and enter the maximum amount to search for in To or To search by confirmation number, enter the Confirmation Number of
the ACH transaction
5. Click the Submit button. The transactions that meet the search criteria
display in the ACH List section of the page.
6. Click the Transfer Description of the specific ACH Transfer you wish to
delete. The Delete ACH Transfer page displays.
Reverse an ACH Transfer
Complete the following to reverse an ACH transfer.
To reverse an ACH Transfer:
1. Log In to Business Online.
2. Move the mouse pointer over the Management Tools menu and select ACH Manager. The Select External Transfer Criteria page displays.
3. Click the Reverse ACH Transfer button.
7. Click the Next button. The Delete ACH Transfer Step 2 page displays.
8. Select the Delete Next Transfer on xx/xx/20xx or the Delete All
Transfer button depending on if you only want to delete the next transfer
or if you want to delete all the ACH transfers for this specific transfer. 9. Click the Finish button. The Delete ACH Transfer Step 3 page displays.
10. Click the Done button to complete the removal of the ACH transfer. The
Select External Transfer Criteria page displays.
4. To search by description, enter a descriptive title of the ACH transfer you
are searching for in Transfer Description
or To search by date, enter the beginning date to search for a transfer in Date Range and the ending date to search for a transfer in To
or To search by amount, enter the minimum amount to search for in Amount Range and enter the maximum amount to search for in To or To search by confirmation number, enter the Confirmation Number of
the ACH transaction
or Leave blank to view all transfers.
5. Click the Submit button. The transactions that meet the search criteria
6. Click the Transfer Description link of the specific ACH Transfer you wish
to reverse. A new ACH page displays. 7. Select the Reversal check box.
8. Click the Next button. The Reversal page displays with the Status Activity.
9. Select the Account to receive the reverse ACH transfer.
10. Enter the Amount.
11. Click the Process button to begin the reversal request. The Processing
Status page displays with the Status Activity.
12. Click the Done button to complete the reversal of the ACH transfer. The
Select External Transfer Criteria page displays. Review an ACH Transfer
Complete the following to review an existing ACH transfer.
To review an ACH transfer:
1. Log In to Business Online.
2. Move the mouse pointer over the Management Tools menu and select ACH Manager. The Select External Transfer Criteria page displays.
3. Click the Review ACH Transfer button.
or To search by amount, enter the minimum amount to search for in Amount Range and enter the maximum amount to search for in To or To search by confirmation number, enter the Confirmation Number of
the ACH transaction
or Leave blank to view all transfers.
5. Click the Submit button. The transactions that meet the search criteria
display in the Review ACH Transfers page.
Note: To review a specific ACH transfer, click the Transfer Description of the
desired ACH transfer from the List.
6. Select Approve or Disapprove from Status.
7. Click the Save button.
Review an ACH Transfer Template
Complete the following to review or approve an ACH transfer template. Financial institutions may or may not require the ACH transfer template to be approved before it is available for use. The ACH Default Template Maintenance option and the Override Approval Template Maintenance option allow you to create ACH transfer templates that do not require approval before use.
To review or approve an ACH transfer template:
1. Log In to Business Online.
2. Move the mouse pointer over the Management Tools menu and select ACH Manager. The Select External Transfer Criteria page displays.
3. Select Review Transfer Template.
4. To search by description, enter a descriptive title of the ACH transfer you
are searching for in Transfer Description
or To search by date, enter the beginning date to search for a transfer in Date Range and the ending date to search for a transfer in To
4. To search for a specific template, enter a Template Name or Select the Standard Entry Class Code from ACH Type.
5. Click the Submit button. The Review ACH Transfer Templates page
displays.
6. To review a specific ACH transfer template, click the Template Name link
of the desired ACH transfer template from the list. 7. Click the Edit icon to make changes to the template or Select the Approve check box to approve the template.
Note: If changes are made, the template must be approved by a different User.
8. Click the Submit button.
Import ACH Transfer (NACHA) Without Template
NACHA transfers are generated from files that conform to the standard format in the NACHA ACH File Exchange specifications. These files typically have the ACH file extension.
Use this procedure to import a stored NACHA transfer file without validating it against the fields in an existing NACHA template.
Note: ACH Manager users who do not have access to stored templates can only
import files without using a template. The import process does not display a Template field for these users.
To import a NACHA transfer file without a template
1. Log in to Business Online.
2. Move the mouse pointer over Management Tools and select ACH Manager. The Select External Transfer Criteria box displays.
3. Select NACHA under Import ACH Transfer and then click Submit. The Step 1 – File Selection box displays.
Step 1 – File Selection
4. Click Browse to locate and open the NACHA transfer file to import. The
file name displays in the File Location field.
5. Select Import without using template from the Template drop-down
list.
6. Select the client ID number in the Tax Identification Number drop-down
list.
7. Choose the type of transfer (matching the transfer type contained in the imported file) from the Transfer Type drop-down list.
8. Click Next. The Step 2 – Import box displays. Step 2 - Import
9. Click to change the Effective Date.
10. Click Finish. The Step 3 – Import Confirmation box displays. Step 3 – Import Confirmation
11. Click Review. Review the transfer details and make any desired changes,
and then click Process. The Processing Status box displays.
12. Ensure that the last item under Status Activity displays the message,
“File Successfully Processed.” 13. Click Done.
14. Close ACH Manager. 15. Exit Business Online.
Import ACH Transfer (Non-NACHA) Using New Template
Non-NACHA transfers can be established from new template files that do not conform to the NACHA standard. The non-NACHA template can be generated during the transfer file import process using the data in the file to establish a file layout that can be edited to establish a new template and originate a new transfer.
To import a non-NACHA transfer file using a new template
1. Log in to Business Online.
2. Move the mouse pointer over Management Tools and select ACH Manager. The Select External Transfer Criteria box displays.
3. Select Non NACHA under Import ACH Transfer and then click Submit.
The Step 1 – File Selection box displays.
• Number of Footer Rows to Exclude • Insert Decimal into Amounts • Text Qualifier
• Fixed Width • User Access
8. Click Next. The Step 3 – Field Definitions box displays, still showing the
imported file contents in the File Preview field. Step 3 - Field Definitions
9. Establish the following: • Columns
• Additional Types and Values • Offset Account Options • Effective Date Option
10. Click Next. The Step 4 – Data Mapping box displays. Step 4 – Data Mapping
11. Ensure that the Data Mapping fields display the appropriate information or click Back to edit.
12. Click Next. The Step 5 – Import box is displayed. Step 5 - Import
13. Ensure that the box displays the expected amounts and click Finish. The Step 6 – Import Confirmation box displays.
Step 6 – Import Confirmation
14. Ensure that the box displays the message “The following file was successfully imported” and that the Batch ID and file Summary fields
display the expected amounts.
15. Click Review. The ACH transfer page displays.
16. Edit fields if needed and click Save. ACH Manager saves the template in
the non-NACHA format.
17. Close ACH Manager and exit Business Online.
Step 1 – File Selection
4. Click Browse to locate and open the non-NACHA transfer file to be
imported. The file name displays in the File Location field.
5. From the Template drop-down list, select the template against which to
validate the transfer file.
6. Leave the default value Import Using New Template in the Template
field and click Next. The Step 2 – Template Details box displays. Step 2 - Template Details
7. Establish the following: • ACH Transfer Type • Template Description • Tax Identification Number • Template Group
ACH Transfer Report
Complete the following to print or save an ACH Transfer report in either an Adobe .pdf format or a Microsoft Excel .csv spreadsheet.
To print or save an ACH transfer report:
1. Log In to Business Online.
2. Move the mouse pointer over the Management Tools menu and select ACH Manager. The Select External Transfer Criteria page displays.
3. Click the Inquire ACH Transfer button.
4. To search by description, enter a descriptive title of the ACH transfer you
are searching for in Transfer Description
or To search by date, enter the beginning date to search for a transfer in Date Range and the ending date to search for a transfer in To
or To search by amount, enter the minimum amount to search for in Amount Range and enter the maximum amount to search for in To or To search by confirmation number, enter the Confirmation Number of
the ACH transaction
or Leave blank to view all transfers.
5. Click the Submit button. The transactions that meet the search criteria
display in the ACH List section of the page.
6. Click the View Report button to display the Export ACH List page.
7. Choose Select All or individually select the items from the list that you
wish to display on the report.
8. Select the Transfer List, Batch List or All Transactions from the drop-down list.
9. Click Print to open or save the report in a .pdf format.
New Wire Transfer
Wire Funds Using Existing Wire Transfer
New Wire Transfer Template
View a Wire Transfer
Update a Wire Transfer
Review Wire Transfers Page
Wire Transfer Report
Wire Transfer Detail Page
Wire Transfers
New Wire TransferComplete the following to wire funds from one account to another. Use this procedure if there is not an existing wire transfer that can be used.
To wire funds:
1. Log In to Business Online.
2. Move the mouse pointer over the Management Tools menu and select Wire Manager. The Select Wire Transfer Criteria page displays.
3. Click the New Wire Transfer button.
4. Select Domestic from Wire Type.
5. Click the Submit button. The New Domestic Wire Transfer page displays. Note: The fields with an asterisk (*) are required.
6. In the New Domestic Wire Transfer section, complete the following in
order:
• Transfer Description: Enter a descriptive title for the Wire transfer • Transfer Start Date: Enter the start date or select the date from the
calendar
• Amount: Enter the amount of the transfer
• Recurring Frequency: Select the frequency of the Wire transfer or leave as None for a one-time transfer
7. In the Beneficiary section, complete the following in order:
• Identification Type: Select the type of number used to identify the beneficiary
• Identification Number: Enter the beneficiary’s identification number • Name: Enter the beneficiary’s name
• Address: Enter the beneficiary’s address
• Message To Beneficiary: Enter a message to the beneficiary • Beneficiary Reference: Enter a unique number for future reference 8. In the Beneficiary Institution section, enter the Identification Number
that corresponds with the Identification Type (usually Federal Routing Number).
9. Enter the Name of the beneficiary financial institution.
10. Enter the Address of the beneficiary financial institution.
11. In the Receiving Institution section, enter the Routing/Transit number
of the financial institution to receive the wire.
12. Enter the Institution Name of the financial institution to receive the wire.
13. Click the Process button to send the wire. The Wire Confirmation page
displays.
Note: If you are not prepared to send the wire transfer, click Save to save what
you have entered and complete the wire transfer later. Wire Funds Using Existing Wire Transfer
Complete the following to wire funds from one account to another using an existing wire transfer.
To wire funds using an existing wire transfer:
1. Log In to Business Online.
2. From the Management Tools menu select Wire Manager. The Select
Wire Transfer Criteria page displays.
3. Click the New Wire Transfer Using Existing Transfer button.
4. Click the Submit button. The Wire List of existing wires displays.
5. Select the wire to use by clicking the name of the wire from the Transfer Description column. The New Domestic Wire Using page displays with
the fields of the previous wire already filled.
Note: The fields with an asterisk (*) are required.
6. Update the necessary fields.
7. Click the Process button to send the wire. The Wire Confirmation page
displays.
Note: If you are not prepared to send the wire transfer, click Save to save what
you have entered and complete the wire transfer later. New Wire Transfer Template
Use this procedure to create a new wire template.
To create a new wire template:
1. From the Management Tools menu, select Wire Manager. The Select
Wire Transfer Criteria page displays.
3. Click the Submit button. The Template List page displays.
4. Click the New button in the upper, right corner. The New Template page
displays.
9. Select a Template Group to organize your wire templates. Note: Click the New button to create a new group name.
10. Select a Recurring Frequency.
11. Enter a Default Amount for the new wire template.
12. Enter a minimum amount to allow for the wire transfers in Amount Range.
13. Enter a maximum amount to allow for the wire transfers in To.
14. In the User Access section, select one or more checkboxes associated
with users to allow use of the template or Select All.
15. In the Beneficiary section, select the type of account to transfer funds to
from the Identification Type drop-down list.
16. Enter the Identification Number (usually account number).
17. Enter the Name of the recipient.
18. Enter the Address of the recipient.
19. Enter a note to the recipient in Message To Beneficiary.
20. Enter a unique number for future reference in Beneficiary Reference.
21. In the Beneficiary Institution section, enter the Identification Number
that corresponds with the Identification Type (usually Federal Routing Number) for the beneficiary’s financial institution.
22. Enter the Name of the beneficiary’s financial institution.
23. Enter the Address of the beneficiary’s financial institution.
24. In the Receiving Institution area, enter the receiving financial institution’s
Routing/Transit number.
25. Enter the Institution Name.
26. Click the Save button. The Template List displays with the new template
listed with a Pending Approval status.
Notes:
• All new templates require approval and do not display in the Template List for the user that created it until it is approved.
• All wire transfer templates remain in Wire Manager until deleted.
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5. Select the Wire Type from the drop-down list.
6. Click the Submit button. The new template page displays for the wire
type selected.
7. Enter a Template Name.
View a Wire Transfer
Use this procedure to view an existing wire transfer. All wire transfers are saved and may be viewed at any time.
To view a wire transfer:
1. Log In to Business Online.
2. Move the mouse pointer over the Management Tools menu and select
Wire Manager. The Select Wire Transfer Criteria page displays.
3. Click the Inquire Wire Transfer button.
4. Click the Submit button. The Wire List displays.
5. Select the wire to view by clicking the Transfer Description from the
Wire List. The detailed wire transfer information displays.
To update a wire transfer:
1. Log In to Business Online.
2. Move the mouse pointer over the Management Tools menu and select Wire Manager. The Select Wire Transfer Criteria page displays.
3. Click the Change Wire Transfer button.
4. Click the Submit button. The Wire List displays.
5. Select the wire to change by clicking Transfer Description from the Wire
List. The Change Wire page displays. 6. Change the wire fields as needed.
7. Click Process to send the wire. The wire confirmation page displays.
Review Wire Transfers Page
Use this page to review a wire transfer. Only appointed employees may review and approve/disapprove wire transfers.
Status: Current status of the wire transfer. Options are: • Outstanding
• Approved • Disapproved
Client: Client/business name
Description: Description of the wire transfer
Note: To view specific details for the transfer, click the Description link.
Placement Date: Date the wire transfer was created
Wire Transfer Report
Complete the following to print or save a Wire Transfer report in either an Adobe .pdf format or a Microsoft Excel .csv spreadsheet.
Update a Wire Transfer
To print or save a wire transfer report:
1. Log In to Business Online.
2. Move the mouse pointer over the Management Tools menu and select
Wire Manager. The Select Wire Transfer Criteria page displays.
3. Click the Inquire Wire Transfer button.
4. Click the Submit button. The Wire List displays.
5. Click the Export icon to open or save the report in a .csv Microsoft Excel
spreadsheet or
Click the Print icon to open or save the report in a .pdf format.
Status: Current status of the wire transfer. Options are: • Outstanding
• Approved • Disapproved
From Institution R/T Number: Routing/Transit number of the institution where the wire transfer is issued
From Account Type: Type of account used as a source of funds for the wire transfer
From Account: Account number used as a source of funds for the wire transfer
Receiving Institution R/T Number: Routing/Transit number of the third-party institution receiving the wire transfer
Receiving Institution Name: Name of the third-party institution receiving the wire transfer
Receiving Institution Address: Address information of the third-party institution receiving the wire transfer
Receiving Institution City State Zip: Address information of the third-party institution receiving the wire transfer
Transfer Type: Type of wire transfer
Transfer Date: Effective date of the wire transfer
Transfer Amount: Dollar amount of the wire transfer
Confirmation Number: Number assigned to each wire transfer. The
confirmation number is used to track individual wire transfers within the online banking system
Employee Name: Employee who issued the wire transfer
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Wire Transfer Detail Page
To view this page, click the wire transfer Description link on the Review Wire
Employee Group: Employee group that issued the wire transfer
Beneficiary Institution R/T Number: Routing/Transit number or SWIFT/Bank Identifier Code of the institution ultimately receiving the wire transfer
Beneficiary Institution Name: Name of the institution ultimately receiving the wire transfer
Beneficiary Institution Address: Address of the institution ultimately receiving the wire transfer
Beneficiary Institution City State Zip: City, state and zip code of the institution ultimately receiving the wire transfer
Beneficiary Account Type: Type of beneficiary account (e.g., Demand Deposit) ultimately receiving the wire transfer
Beneficiary Account Number: Account number of the party ultimately receiving the wire transfer
Beneficiary Name: Name of the party ultimately receiving the wire transfer
Beneficiary Address: Address information of the party ultimately receiving the wire transfer
Beneficiary City State Zip: City, state and zip code information of the party ultimately receiving the wire transfer
