Premium ebusiness Banking User Guide

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Welcome to Chemical Bank’s eBusiness Banking system. With eBusiness Banking,

you can access your accounts 24-hours a day, seven days a week; anywhere an

Internet connection is available.

We offer online tools that can be customized to suit your business needs. Instant

transaction originations, customized reports, automatic balance alerts, bill

payment, and fraud control are just a few of the features that are available using

your online banking access. Other features include:

Balance Reporting

Detailed Transaction Reporting

Balance Alerts

On- Screen Check Images

Account to account transfers

Stop payment requests

ACH origination

Wire transfers

Tax payments – State and Federal

Positive Pay & Reconciliation

Online Help: 24/7

Help is always just a click away with the online help function. Click the Help link at the top right of the screen to access the help manual by topic.

 Our Customer Care Center is available Monday - Friday: 7:00 AM - 9:00 PM and Saturday: 8:00 AM - 2:00 PM - toll free at (800) 867-9757

 Business Chat is also available Monday through Friday from 7:00 AM – 5:00 PM. You can find this on the bottom of the login page or under Online Requests within your access.

 To contact an eBanking Specialist, send an email to


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What’s inside:


Security ... 4 Logging In ... 6


Setting up additional Users ... 8

eStatements ... 11

Resetting a User’s Password/Security Credentials ... 13

Maintaining Administrator’s Login Credentials ... 14

Changing Session Timeout ... 15

Renaming your Accounts ... 16

Account Activities & Reporting

Viewing Account Summary ... 16

Create/View Customized Reports ... 17

Search Transactions ... 18

Balance Alerts ... 19

Placing a Stop Payment ... 20

Payments & Transfers

Transfers ... 22 Recurring Transfers ... 23

Bill Pay

Overview ... 24 Add Payees ... 25 Add Payments ... 26

Schedule Automatic Payments ... 27


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Cancel Pending Payments ... 28

Add eBills ... 29

ACH Transactions

ACH Origination Overview ... 30

Maintain Participant ... 31

Maintain Batch Template... 32

Assign Participants to Batch ... 33

Initiate the Batch... 33

Send ACH File ... 35

Import ACH Data ... 35

Approving an ACH Batch ... 37

ACH Activity... 38

Wire Transfers

Wire Transfer Template Maintenance ... 39

Initiating Wire Transfers ... 40

Approving a Wire Transfer ... 40

Federal Tax Payments

Initiating Tax Payments ... 41

Approving a Tax Payments ... 42

State Tax Payments

Initiating State Tax Payments ... 44


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Chemical Bank uses state-of-the-art Internet technology, supported by the companies with which we work, to make online banking secure and to protect company and personal information. We always require an ID and password to access accounts. You can help maintain the security of your banking information as follows:

Do not share your User ID or password with anyone. Never furnish your password to anyone claiming to represent the bank since we will not ask for your password. Change your password frequently. If you suspect your User ID or password have been compromised change it and contact us immediately.

The most secure passwords are those which use a combination of numbers and letters as well as upper and lower case letters. Avoid using birthdays, phone numbers or names that others could guess. Chemical Bank’s eBusiness Banking password requirements are as follows: must be between 8 and 14 characters long, must contain at least one uppercase letter, at least one lowercase letter, and at least one number.

Never walk away from your computer with your account information on the screen. It is important to log off when you complete your online business to minimize the risk of unauthorized access. Our system will automatically log you off after several minutes of inactivity to keep your information safe.

Routinely review and reconcile account information and call us immediately if you have a concern. Use good judgment in the information you include in emails, providing only sensitive and

non-confidential information.

To keep pace with this ever-changing world of security enhancements, features and other additions, we suggest our customers use only the most current version of our recommended browsers. Customers who do not upgrade to the most recent browser may not have access to all of the features offered in Chemical Bank’s eBanking program. Install and stay current with updates for virus protection. Ensure that your browser is using the highest encryption session available.

For more information, check out the Security section of our website at


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Trusteer Rapport:

As part of our continued effort to enhance online banking safety, Chemical Bank has partnered with Trusteer Rapport to provide a FREE security software to our online business banking customers. By protecting your internet connection and creating a tunnel for safe communication with Chemical Bank's online banking site, Trusteer Rapport blocks malicious attempts to steal money from your online banking account. Chemical Bank requires that all eBusiness customers use this software.

Trusteer Rapport is an additional layer of security that provides ongoing protection for your bank accounts from fraudulent transactions. This software is different from other anti-virus programs and firewalls because it secures your communication with Chemical Bank's online banking website, mitigates financial malware infections, and blocks malicious attempts to access personal information and steal funds from your account. Trusteer Rapport also communicates with Chemical Bank to ensure that immediate action is taken against attempted threats to your online accounts.

When you login to your online banking account, you will be asked to download Trusteer Rapport. Once you click the Download Now button, the software will be loaded within seconds and will begin

protecting your account immediately!


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Logging in:

Go to Click on Business at the top of the page and then Login to my

account on the left side to go to the business banking login page.

Enter the Company ID, User ID, and User Password into the appropriate fields and click the submit button. The User Password provided initially by Chemical Bank to the Administrator is temporary. Upon your first login, the system will require entry of a new User Password. Chemical Bank eBusiness Banking Passwords must be between 8 and 14 characters long; and they must contain at least one uppercase letter, at least one lowercase letter, and at least one number.

When you complete your first login, you will change/update your password and set up security


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The Company Administrator is responsible for creating and maintaining all company Users, their access rights, creating the initial password, and password resets (in the event the User is ‘locked out’). Please ensure that the Administrator’s email address is always up to date. If the Administrator’s password needs to be changed at any time, Chemical Bank’s eBanking department will email the new password to the Administrator’s email that is on file with the Bank. Also, important information regarding Chemical Bank’s eBanking system is provided only to the Administrator and typically through email.

1. Use the Administration menu to control User access, maintain accounts and change passwords.

2. Use the Account Activities & Reporting menu to access Positive Pay and Stop Payment features, view and search account history, search transactions and create reports.

3. Initiate internal transfers, ACH credits or debits, Wire transfers, make bill payments, and make Tax payments using the Payments & Transfers menu.

4. Access Chemical Bank’s online eStatements using the Online Requests menu.

5. Send a secure Email or access online Help with a simple click. For security purposes, be sure to click Log Out at the end of each eBusiness Banking session.


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Setting Up Additional Users:

The Add/Change/Remove Users feature is used to add, modify and delete Users and determine the services and accounts to which they have access by creating a User profile. This profile includes a unique User ID and secure password, as well as permission settings that enable or disallow the User to access certain accounts and account actions. To begin, click on the Administration link located in the upper left hand corner.

Next, assign account permissions to the User by placing a check mark under the appropriate permission. This feature controls access to the accounts and functions for each User.

Click on Administration and select Add/Change/Remove

Users from the menu.


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Account Permission Guide:

Acct Rptg: Gives the user the ability to view the balance of the account Acct Transfr Cr: Gives the user the ability to transfer funds into the account. Acct Transfr Dr: Gives the user the ability to transfer funds out of the account. Wire Transfr: Gives the user the ability to process wire requests.

Stop Pmt: Gives the user the ability to place stop payments on checks. ACH: Gives the User the ability to process ACH transactions.

Fed Tax Pmt: Gives the user the ability to process tax payments.

Recon Excpts: Gives the user the ability to do account recon exceptions. Recon Issues: Gives the user the ability to do account recon issues.

If you have ACH or Tax capabilities, you will need to assign the user additional ACH permissions and limits.


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If you have Tax capabilities, State and/or Federal, you can choose to assign additional Tax permissions and limits for your Users to have access.

To grant your User access to ACH tools, place a checkmark to grant permission and enter in limits for the User.

If you have Bill Pay or eStatements on your account you will need to place a check mark next to the service under Additional Services to assign the permission to the User.

You will need to place a check mark next to the appropriate permission and enter in the limits for the user.

If you have State Tax


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If you use Wire Transfer services, you can assign those permissions and limits to your Users.

If you have Reconciliation Services capabilities, you can assign those permissions to your Users.

Once you have selected all the permissions for the User, you will need to elect the Add button at the top or bottom of the page.


eStatements are a safer, faster, and more convenient way to view and maintain account statements. After opting-in for eStatements, up to three (3) years of eStatements will be available through Chemical Bank’s eBusiness online Banking service. eStatements are available for any checking and savings account that are accessible through the eBanking service.

Grant User Permission to access eStatements:

To grant access to eStatements for additional Users, select the Online Statements option for the User to enroll in eStatements at the bottom of their User profile set up page.

Place a check mark next to the appropriate permissions and enter in the limits for the User.


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Opt In:

To access eStatements, click on Online Requests and then Online Statements.

After selecting the eStatement feature for each account you will need to select Next to get to the Terms and Conditions page. After reading through them, agree to the terms and conditions by clicking on

Accept. When the statement is ready for viewing, an email alert will be sent to the email address

provided within the eStatement enrollment screen.

Viewing eStatements:

When your statement is ready for viewing, click on Online Services and then select Online Statements. Click the radial button next to each account

listed to select a statement delivery method. Select eStatement to receive the statement electronically or Print Statement to receive a mailed paper statement.

To view the statement, click the view link.


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To return to the main Chemical Bank eBanking page, select Return to Application in the lower left corner of the screen. Please wait briefly while the eStatement window closes.

As a reminder, the company Administrator is the only one with the ability to add and maintain Users. Chemical Bank cannot reset a User’s passwords or change their permissions.

Resetting a User’s Password/Security Credentials:

If a user enters three invalid logins, the system will lock out that User, preventing him or her from logging in. If this should happen, the Company Administrator will need to use the Unlock User button on the Add/Change/Remove Users page. Clicking this button resets the invalid login count back to zero and thereby allows the user to log in. Unlocking the user does not change any of the login credentials, so the User Password may also need to be reset.

The Reset Security Questions option allows the Administrator to reset a User's existing security questions. This will remove the User's current security questions/answers, requiring the User to establish new security questions/answers. From the Administration menu, select the

Add/Change/Remove Users option under the Manage Users group. Select the User from the User

name drop-down. Click the Reset Security Questions button (do not click Update). The User is presented with the Create Security Question screen upon the next login.


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The Reset All MFA Credentials option allows the Administrator to remove security questions, unenroll computers and invalidate the user's existing password at the same time. New password information must be provided prior to clicking this option. From the Administration menu, select

Add/Change/Remove Users from the Manage Users group. Select a Current User from the drop-down

list. Enter new password information in both fields. Click the Reset All MFA Credentials button in the

Security Options section (do not click update).

Note: If Dual Control is enabled, the reset login will be in a pending status waiting to be approved or


The User is challenged with the Security Questions setup screen. Once the user sets up the new Security

Questions, he or she is presented with the request to change his or her password.

Maintaining Administrator’s Login Credentials:

Hover over the Administration tab link in the upper left hand corner. Options are available under the

My Profile section for the Administrator to change their password, change email address, change

security notification email address, unenroll computers, maintain security questions, and change the main page for online banking.

Step 1: Select the User from

the dropdown menu.

Step 2: Type in the new password in

the password and the confirm password fields and click Update. To reset security questions, click on

Reset Security Questions button


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To change your User Password, select Change My Password. Enter current password, and new password, then confirm the new password and select Update Password.

To change your email address, select Change Email Address. Enter in your new email address and confirm it. Select Update.

To change your security questions, click on Maintain Security Questions. Select a question from each dropdown menu and enter an answer. Do not enter the same answer for each question. Once all five questions are selected and answered, please select Submit.

To change the main page that displays upon successful login, select Set Main Page from the Administration menu. Click on down arrow and select a new main page then click Update.

Changing Session Timeout:

The timeout is the amount of time your online session will remain idol before it signs you out. You can set your timeout time from 5 to 60 minutes. To change the session timeout, click on the Administration tab and select Change Timeout from the menu.

Select the number of minutes from the dropdown in the Session Timeout field then select Update.


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Renaming your Accounts:

You can change the name/title of your account to the name that you refer to the account internally. To do this, click on the Administration tab and select Set Account Name.

Viewing Account Summary:

The eBusiness Banking system provides a quick view of all account balances on one page. To view all accounts:

Click on Account Activities & Reporting and select View Account Summary located under the Account Reporting category.

Select the account from the drop down menu, enter the new account nickname in the Account Name field, and then click Update.


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Chemical Bank’s eBusiness Banking online service also allows the export of account activity data in a variety of formats, including Quick Books. To export:

Click on Account Activities & Reporting, select View Account Summary located under the Account Reporting category.

 Locate then click the underlined account number listed in the left hand column.

 Enter the date of the transactions you would like in each date box or you can use the calendar. Next click on the Submit button.

 Scroll down to the bottom of the screen, select the format from the Select Export Format dropdown box, and then click Export.

Create/View Customized Reports:

Create Reports provides the option to create, edit and delete custom reports that may be viewed in

the format of the Account Summary page. Create Reports allows the User to filter account information to view only selected accounts and transactions.

A report comprises a group of Account settings and a group of Transaction settings. Reports are saved by name and include a descriptive title. When used, the report acts as a filter setting for the Account

Summary screen, giving a customized view.

From the Account Activities & Reporting menu, click the Create Reports option under the Account Reporting group.


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Please note that the Report Name drop-down menu will list the reports you have created in alphabetical order.

Search Transactions:

The Balance Reporting Search Transactions option allows the creation of a search request by account. The search may contain a specific date range or a pre-defined date range, a specific check number, a specific check number and amount, or a range of check numbers.

To display the Search Transactions screen, select the Account Activities & Reporting menu and select

Search Transactions listed under Account Reporting.

The Search Transactions screen has several distinct sections that are used to build transaction search criteria.


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Select Account Selection section, select the account to query.

In the Date Selection section, select from a predefined time period or enter a date range.

In the Check / Serial Number Selection section, select a specific check number, a range of check numbers or "All" check numbers for query.

In the Amount Selection section, enter a specific amount or request "All" dollar amounts.

In the Transaction Type Selection section, choose between debits, credits or "All" transactions for inclusion in the report.

Click the Submit button.

Search results are displayed on the Transaction Results screen, listing all the transactions that match the criteria entered. If more transactions meet the criteria than are able to be displayed on-screen, view these records using First, Previous and Last buttons.

Click the Reset button to clear the fields.

Balance Alerts:

Balance alerts can be established to generate an email notification when the account falls below or rises above a specified dollar amount. To set up a Balance Alert, click on Account Activities & Reporting and select Manage Balance Alerts listed under the Account Reporting category. Select the account(s), select the condition (Rises Above or Falls Below), enter the dollar amount and email address. Click Add when complete. Next click on the plus sign next to Add An Alert to expand the section.

Using the drop down menu, select the Account, choose a Balance Type, select a Condition, and then enter the Amount. Next enter the Email Address where the Balance Alert will be sent then click Add.

Remember if you change your email


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Placing a Stop Payment:

The Add Stop Payment function allows online stop payment instructions for an individual check. Contact your local branch or the Customer Care Center to place a stop payment on a series of checks or ACH items.

To display the Add Stop Payment screen, select the Account Activities & Reporting menu. Under the

Stop Payment group, select the Add Stop Payment option. The Add Stop Payment screen displays. The

contact information fields are automatically populated with the information on file. Complete the remaining information requested on this page. Fields with an asterisk (*) are required.


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To view existing stop payment information, select Account Activities & Reporting and click on View

Stop Payment Activity located under the Stop Payments section. The screen will display Stop Payment

activity for all users who are permitted to use the Stop Payment function.

On initial display, the table is sorted by Date Created with the most recent stop payment transaction appearing at the top of the table. The second level sort is by Company. You may sort the table

differently by clicking the up and down arrows in the column headers. Click the magnifying glass in the

Details column to view the details of the stop payment in a separate pop-up window.

Stop Payment requests will have one of the following four status designations:

Unprocessed – The Stop Payment Request has been sent to the Bank and is awaiting action. This status is also assigned when a mixed status is returned on a stop payment range request, i.e., some checks have cleared others have not.

Processing – Chemical Bank has received the stop payment request and is in the process of completing that request.

Completed – The Bank has completed the stop payment request.

Declined – The Bank is unable to complete the stop payment request.


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The Account Transfer service allows the transfer of funds between accounts within Chemical Bank. Transfers can be scheduled for the current day or a date up to one year in the future. Scheduled transfers can be reviewed and deleted. This service also supports the scheduling of Recurring Account Transfers and allows the viewing, updating and deleting of pending Recurring Account Transfers. Account Balances are checked by the system for current day transfers only. A disclosure statement appears onscreen indicating the date and time the balance information was updated. Balances are not checked when a future dated transfer is created. Future dated and recurring transfers may not be initiated for cross company account transfers.

To initiate a transfer select the Payments & Transfers tab, and under the Account Transfer menu select

Add Transfer.

Complete the fields with the transfer information then click Add.

Once you have added all of your transfers, click Submit.


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Recurring Transfers:

To setup recurring transfer transactions, create a scheduled transfer to be processed at the frequency you specify.

To begin, select the Payments & Transfers tab, and under the Account Transfer menu select Add

Recurring Transfer.

Complete the fields in the Transfer

Details section and the Transfer Schedule section then click Add at


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Bill Payment:

Chemical Bank’s eBill Pay offers you convenience, cost-savings and best of all, time savings! No more buying stamps and writing checks. Pay all your bills online anytime, anywhere-just by logging in to eBill Pay. To access the bill pay feature, click on Payments & Transfers then within the Additional Services menu select Bill Payment. A third party window will open; please ensure your Pop-up Blocker allows the page to open. You will also need to accept third party cookies.

Next click the get started button. Fill in all the required information that is marked with an *. Once the eBanking department processes your bill pay registration, you will receive an email letting you know that it is ready to use. Then you can go back into Payments & Transfers then Bill Payment to start making payments.

Make Payments: Use the Make Payments feature to view and schedule payments. Pay Someone New: Use the Pay Someone New feature to add a new payee for payment.

View Reports: Use the View Reports feature to view and export Payment History information. You can

also create and save customized reports.


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Funding Accounts: Use the Funding Accounts feature to view all of the accounts you can pay your bills

from. You will also use this section to control which account is set as you default funding account.

Add Funding Account: Use the Add Funding Account feature to add new checking accounts to pay your

bills from. Two small deposits will be deposited into your account within 2-3 business days of you adding the new account. You will need to log back into bill pay to verify the account by entering the two deposit amounts.

Personal Information: Use the Personal Information feature to verify your personal information.

Add Payees:

Before you can make your first payment, you will need to set up your Payees. A Payee is any company or person that you pay, such as your utility company, babysitter, or anyone to whom you would

normally write a check. For convenience, have a recent bill or statement available to reference for your Payee’s information.

To add a Payee, enter the Payee name in the Pay someone new field. A drop down list will display – select the Payee from the list provided if present or enter the complete name if Payee is not displayed in the list. Click Add.

Please note: If the Payee is found in our database, the Payee will be paid electronically. If not, and you need to manually enter the rest of the billing information, this Payee will be paid by paper draft for at least the first billing cycle.

To add a Payee, enter the name in the Pay someone new field. A drop down list will display as you type – if present, select the Payee from the list provided. If not, enter the entire name of the Payee.


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Add Payments:

With eBill Pay you can pay all of your bill payments from a single screen. Payees that are set up for automatic payments, eBills or recurring payments are listed for immediate payment entry and/or maintenance. You can also schedule payments for a date in the future.

Enter your Payee account information in the fields provided. Click Continue to confirm the details and add the Payee to your list.

To make a payment:

 Locate the Payee and enter in the dollar amount of the payment.

The earliest possible Send On date is provided for you. Click the calendar icon to choose a different date.


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Schedule Automatic Payments:

When you have a payee who will receive payments on a regular recurring basis, enter the payment details once and all following payments will be made automatically. This will continue until the final payment date or when the payment schedule is manually removed.

To do so, click on the Payee and then click on Pay automatically.

Select Pay automatically at

regular intervals as the


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View Pending Payments:

Once entered, you can view your pending payments before they are processed. You can also review transaction details and modify the payment date or amount up until the date the payment is processed.

Cancel Pending Payments:

View scheduled and pending payments before they are processed, and delete the transactions as necessary.

Delete any Pending Payments

by clicking the Cancel link.


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Add eBills:

Receiving your billing statements electronically is convenient for those who want to go paperless and pay bills quickly. Now you can access your bills anywhere you have Internet access. You can even set up electronic bill notification to be sent directly to your personal e-mail account.

Click Set up: ebill to activate the electronic billing option.


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ACH Transactions:

An Automated Clearing House (ACH) transfer is the electronic transmission of a file which contains information pertinent to the movement of funds between accounts. An ACH transfer is commonly used to expedite direct deposit of payroll, pay vendors, concentrate funds from other financial institutions or collect membership dues. An ACH transfer generally consists of multiple transactions and is referred to as a “batch”. The steps for setting up and submitting an ACH batch are typically as follows:

1. Define Participants 2. Define batch attributes

3. Assign participants to the batch

**Or, Upload a complete batch created within a software program, negating steps 1-3**

4. Initiate the batch

5. Check on pending/recent activity

The above steps are typical for an ACH User. For an ACH Administrator, the main action occurs after batch submittal. If the batch requires approval, it is given the status of Pending. The administrator then uses the ACH admin approval/activity function to either approve or deny the batch and send it back to the User for modification.

Note that a batch may be used many times once the set up steps are completed. In fact, you only need to add new participants or remove old ones. In typical usage simply submitting an ACH batch will be sufficient. Note also that participants may be used in more than one batch.


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Maintain Participant:

An ACH participant is the individual or organization whose account may be debited or credited in an ACH transaction. For example, a payroll deposit or a payment for services rendered. To set up participants in the eBusiness banking system, select Payments & Transfers, and then select Maintain Participant listed under the ACH.

Enter the following information for each participant (employee/client). Up to three participants can be added before selecting the Add button which will provide more fields for entry.

Participant ID – An employee number or another number that is specific to the person Participant Name – First and Last name of the participant you are adding

Routing Number – Routing number of the participant’s Financial Institution Account Number – Account number of participant’s Financial Institution

Amount – Input Zero ($0.00) if this is going to change; if it is a fixed, set dollar amount that

will not change then enter the amount on this screen

Transaction Type – Transaction based on the participant’s account (for example “checking

deposit” will deposit money into the participants account)

Prenote – Do not select this option on this screen (Prenote is available when initiating the


Addenda – This appears in the ACH Activity screen details and the participant does not see

this information

Ending Date – This is used for a temporary transaction; ONLY use this field if you want the

system to remove this transaction from your batch after this date

To update an existing participant, select the participant from the drop down menu, enter new information in the fields needed, and then click Update.


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Maintain Batch Template:

The Maintain Batch Template function defines the essential characteristics of the ACH batch for efficient entry. This screen is used to create new templates and also update or delete existing templates. To create a new batch, first select Payments & Transfers, then select Maintain Batch Template located under ACH.

Template Name – Brief description of the batch (up to 10 characters)

o This is what the participant will see when the transaction posts to their account.

Template Description – A description of the batch (up to 20 characters)

ACH Batch Class – Select CCD or PPD based on transaction type. If the transaction is with a

person (e.g. direct deposit for payroll) select PPD. If the transaction is with business select (e.g. a vendor payment) select CCD

ACH ID – This will be your Tax ID number (select from the dropdown) typically preceded by the

number “1”

Create Offsetting Transaction – Make sure the box is checked

Offset Account – Select the account to be offset with this batch, meaning your Chemical Bank

account that the money is coming from or depositing to


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Assign Participants to Batch:

Use the Assign Participants to Batch screen to “attach” participants to a specific batch. Individual participants may be attached to multiple batches. To begin, select Payments & Transfers, then select

Assign Participants to Batch located under ACH.

 Select the Template Name from the drop down menu

 Select all participants to be processed with this template by clicking the box on the left of the participant; if all participants should be included in this batch click on Select All at the bottom of the page

Once all the participants have been selected, click Update button located at bottom left of screen.

Initiate the Batch:

To send or collect funds through ACH, you must initiate the ACH batch. Only after initiation and approval (if approval is required) will the transactions be complete. Multiple ACH payments can be entered and sent. Files received after the cut off time will be processed the next business day. To initiate an ACH batch, select Payments & Transfers then select Initiate Batch located under ACH


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 Select the Template Name from the drop down menu. The ACH Class, Total Batch Debits and Total Batch Credits display for that template.

Edit the effective date in the Effective Date field, using mm/dd/yyyy format or the calendar icon. You may enter a date up to 30 days in the future and it must be a business day. Please note the effective date defaults to the next processing day.

 If desired, edit the batch data for any or all participants in the participants table. (The edited information will be used for this batch only.) For each participant, changes can be made to the amount, addenda message, prenote option, or the participant can be removed for this single batch using the hold option. Only use the Hold button to the left of the participant if there is no transaction for this participant in this specific batch, but the participant needs to remain within the batch template for future transactions.

 If a prenotification action (or prenote) is required for this participant, select the box. Otherwise leave it empty. A prenote sends a $0 transaction to the participant’s financial institution to validate the routing and account number. A prenote is recommended for the initial transaction with this participant, or for the first transaction after a change to the participant’s Routing or Account number information made within the Maintain Participant screen

If everything is correct, click Initiate. This will send the file to the bank.

 If changes were made on the Initiate Batch screen but you cannot submit the batch


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batch for verification prior to sending, click on the Save button, verify the total and (if correct) select the Update Batch feature then Initiate to send the batch.

Click the Reset button at any time to reset all fields to their previously saved values. Please note, the table can be sorted by clicking the up and down arrows in any of the column headers.

Send ACH file:

If the ACH file is generated by an accounting software program, use the Send ACH file option. Click on

Payments & Transfers then from the ACH Processing menu select Send ACH File.

Click the Browse button under File Selection to open a standard Windows dialog box that allows you to search your local and network drives to locate the file

 Locate the file stored on your computer and select it.

Click Upload to send the file to Chemical Bank

Import ACH Data

The Import ACH Data function allows the creation of a new or an update to existing Batch Templates and Participant records using a file created by another application.

You may import a Standard ACH file (formatted to NACHA specifications) to add new batches to the system. This feature would be utilized if the software file creates a partial or unbalanced ACH transaction; if the file is complete and balanced, use the Send feature described above.

The Import ACH Data function may also be used to update existing batch templates and participates based on criteria defined in Delimited Map or Fixed Map instructions used when importing text files created by another application.


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To display the Import ACH Data screen, click on Payments & Transfers then from the ACH Processing menu select Import ACH Data. The Import ACH Data screen appears.

The Standard ACH map type is pre-defined based on NACHA file format and does not require you to develop the map layout. You will need to select a Company that the file's offset account is associated with. If the offset account number included in the file does not match any of the selected company accounts, the Offset Account field for the template will not have an account selected.

Delimited and Fixed ACH Map types allow you to define the file layout so the Import process can

identify the structure and intent of the file being imported. Import file layout definitions are stored and maintained as ACH Import Maps.

Delimited Map – Use this map type to define the delimiter and where each piece of the


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Fixed Map – Use this map type to define the start and end positions of the participant’s data

within the file. The ACH file must be available either on a local drive or on a network-accessible drive. For convenience, click the Browse button under File Selection to open a standard Windows dialog box that allows you to search your local and network drives to locate the file.

The Map Type selected under Batch/Process Mode Selection section must match the appropriate map type selected/defined in the Map Selection section. Under the Batch/Process Mode Selection section select the appropriate Batch Template the import should affect.

NOTE: For Add, Update and Delete Maps you must perform the import twice:

 Import Delimited or Fixed file as an Add Only and select the appropriate Batch Template the import should affect.

 Import Delimited or Fixed file as a Delete and Update and select the appropriate Batch Template the import should affect.

An ACH batch may require approval before processing due to limitations set up by the system Administrator. ACH batches must be initiated by the 4:00 PM cut off time for same day processing in order to be effective next business day.

Approving an ACH Batch:

As an added security layer, your business can select an optional Approval Required feature when signing up for eBusiness banking. The Approval screen displays all the information needed to make informed approval decisions.

Verify batch details, totals, offset account and initiators all from one screen. Approval controls include dual approval authority as well as the ability to deny transactions, resubmit them and modify the effective date. Email notifications are sent to all approvers when batches are pending. The batch status can be monitored after initiation.

To approve an ACH batch or check the status of a pending entry, begin by selecting Payments &


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When a batch is denied, an email notification will be sent to the batch initiator for modification and re-submittal.

ACH Activity:

The ACH Activity screen is used to view your pending and recent ACH activity. Select Payments &

Transfers, and then click on View ACH Activity listed under ACH Processing. This data is only available

for about two weeks.

To approve a pending ACH batch, check the box under Select and click Approve.

To deny a pending ACH batch, check its select box, fill in a deny message and click


To delete a pending ACH batch, check the box under Select and click Delete.

To see the details of the batch, click the magnifying glass in the Details column.

The Batch that was submitted will be listed under the completed ACH activity. The Status will say


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Click on the magnifying glass located on the right under the Details column to see the details of the batch. Print this screen for your records.

Click Send button to submit the file to the bank for processing. If you get an error message please contact the eBanking Department. After you submit the file, you should check the activity under the

View ACH Activity screen for confirmation.

Wire Transfers:

A template is required for each non-freeform wire transfer. The system is designed to store these templates so that you can save time by defining them once and reusing them later.

Wire Transfer Template Maintenance:

To begin, select the Payments & Transfers menu, and then click Maintain Template listed under Wire


After all the information is filled in, click Add located in the lower left of screen.

Click Add New to clear all fields.


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To access the new template, click on the down arrow in the Select Template field and locate the template name from the alphabetical list that displays.

Initiating Wire Transfers:

The Wire Transfer service allows you to move funds from Chemical Bank accounts to an account at a different financial institution. Transfers can be scheduled for the current day or a future date. Once the wire transfer is submitted, no changes can be made.

To begin, select Payments & Transfers, and then click Initiate Template listed under Wire Processing. Select the Template Name by clicking on the arrow in the field to display the drop down list

Wire requests must be submitted by the 2:30 PM cut off time for same day processing. Wire requests may require approval before processing due to limitations set up by the company administrator. When a transfer is denied, an email notification will be sent to the initiator for modification and re-submittal.

Approving a Wire Transfer:

As an added security layer, your business can select an optional Approval Required feature when signing up for eBusiness banking. The Approval screen displays all the information needed to make informed approval decisions. If your company has chosen to require secondary approval, wire transfers must be approved before processing is complete. Wire requests must be received by the cut off time for same day processing.

To view and approve your pending wire transfers, select Payments & Transfers and then click on

Approve/View Wire Activity listed under Wire Processing. This data is only available for about two


Enter Amount and Value Date.


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Federal Tax Payments:

Many businesses are required to use Electronic Federal Tax Payment System (EFTPS ) to submit their Federal tax payments. Chemical Bank’s online eBanking service allows EFTPS payments up to 30 days in advance.

Before signing up for this service, you must already be signed up to send electronic tax payments. If you have not already signed up, you can go to and request Form 9779.

Initiating Tax Payments

To begin, select Payments & Transfers and then click on Add Tax Payment listed under Federal Tax


To approve the wire, place a check mark to the left of the wire and click Approve.

Place a check mark to the left of the wire that you want to deny, enter the Deny Message and click Deny.


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IMPORTANT NOTICE-All EFTPS transactions will be processed at 4:00 PM each business day. Once your payment is processed by Chemical Bank, we do not have the ability to adjust or reverse the

transactions. If you have any questions please call (800)867-9757 prior to submitting the payment.

Federal tax payment history can be accessed on the View Payment Activity screen. To begin, select the

Payments & Transfers tab, then under the Federal Tax Payments menu, select View Payment Activity.

Tax payments have a Pending status while they are awaiting administrator approval (see next section).

Approving Tax Payments:

The Approve/View Federal Tax Payment Activity function for EFTPS activity is intended for use by Tax Payment administrators. It is similar to the View Tax Payment Activity function, but adds the capability to approve or deny pending tax payment submittals.

To begin, select Payments & Transfers, and then section click Approve/ View Payment Activity listed under Federal Tax Payments.

Complete all applicable fields. Please make sure that all the information is correct then click on Add.

IMPORTANT: Once you click on the Add

button, the information will be sent to the bank. If you submit a wire incorrectly, please contact the eBanking department


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Revisions can be made to any pending scheduled payment. Historical payments cannot be edited or deleted. Tax payments must be approved by 4:00 PM cut off time for same day processing. When a tax payment is denied, an email notification will be sent to the initiator for modification and re-submittal.

To approve a pending Tax Payment batch, check the box in Select column and click Approve.

To deny a pending Tax Payment batch, check the box in the Select column, enter the Deny Message and click Deny.


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State Tax Payments:

To access the state tax module, select Payments & Transfers and then click on State Tax/IAT listed under Additional Services. This will take you to a third party Pop-up window. Please make sure that you are allowing pop-ups and you accept third party cookies.

When you are set up with State Taxes, only the admin is permitted to use the service. If you would like to add additional users to do state taxes, please click the Email link in the upper right corner of your business banking access. This will send a secure email to our eBanking Department. The following information will need to be included: the user’s first and last name, their user ID, the state tax limit you want them to have, and their email address. Once we have them set up, we will let you know based on the Preferred Contact method you choose in the email.

You will also need to go to Administration—Add/Change/Remove Users and select the user from the Current User drop down box. At the very bottom, you will need to check the permission for State Tax/IAT and click on Update. Then your user will also be able to use State Tax feature.

Fill in all the required information (in red) and select, Add Batch button in lower left of screen. Select Batches tab. To add a new

batch, click on Add a Batch. Select ACH Admin


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Click Add Batch. This will take you back to the Batch selection screen.

Fill in all the information in red. The numbers located in ( ) are the max characters available for that field.

Create prenote box

should not be checked.

Transaction Type should be

CCD with addenda, Credits.


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Name - Name of who will receive the funds

ID Number - customer should have this information

Account Number - The account number of where funds are being sent Bank ABA - Routing number of where funds are being sent

o The account # and Routing number for the State of Michigan can be found at or by calling (517) 373-3200.

Account Type - Checking or Savings Amount

Addenda Input Screen - Select the tax you are paying from the drop down list Addendum - click on Add Addenda


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Once you add the entry to the batch, you will get a pop-up box confirming the amount has been added. Click OK.

Select ACH from the drop down at the left. Click on the ACH batch activation tab. Fill out the fields in

red and click Save. Once all information and the addenda is completed, click Add

Entry to Batch.

Fill in all the information in red. Then click Add

Addenda and complete the required


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After you click Activate Selected, you will see a batch activation confirmation screen. Click Logout in the upper right corner to close out of the State Tax site and to return to your eBusiness Banking.

IMPORTANT NOTICE-All State Tax payment transactions will be processed at 4:00 PM each business day. Once your payment is processed by Chemical Bank, we do not have the ability to adjust or reverse the transactions. If you have any questions please call (800)867-9757 prior to submitting the payment.

Select the batch by clicking the check mark box.

Select your effective date that you want the money to be received. Batches must be

submitted 2 days prior to the effective date.


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Positive Pay:

Positive Pay is a service used to combat check fraud. Chemical Bank’s automated eBanking matches the serial number, issue date and dollar amount against the checks clearing each day. The Bank pays only those items with serial numbers and dollar amounts matching your company’s issue file. Any checks that do not match are flagged as exceptions and posted on the eBanking website for a ‘pay’ or ‘return’ decision. An email notification is sent to you around 7:00 AM if you have exception items. The exception list is reviewed each business day by 10:00 am. The system defaults to a ‘pay’ decision after the cutoff time. Decision history can be viewed for up to 10 calendar days.

Once enabled, issued checks can be manually entered or an accounting software file can be uploaded directly to Chemical Bank.

To manually enter individual issued check information, choose the Account Activities & Reporting menu and then select Enter Issued Checks located under Reconciliation Services.

Input your issued checks manually by completing each field and clicking Add


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The Action drop down has 6 options; the description for each option is listed below:

Once issues have been added and are ready to send to Chemical Bank, click on Send at the bottom left of screen.

To upload a pre-formatted issues file, choose the Account Activities & Reporting menu and then select

Upload Issued Checks located under Reconciliation Services.


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The Decisions Sent Activity screen displays exception items previously sent to Chemical Bank for processing. Each exception item has full details, including the exception reason. Processed exceptions activity will be retained for 10 calendar days.

To begin, choose Activities & Reporting menu and then click on Decision Positive Pay Exceptions listed under Positive Pay.

IMPORTANT: Exceptions that have not been submitted by our daily cutoff time will automatically be submitted for processing with the default action Pay and noted with an asterisk in the Decisions Sent Activity Screen.

Choose the Type, click on Browse in the Select File field and locate file, and then click Upload.

View exceptions transactions requiring approval or action.


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Need Help?

7:00 AM to 9:00 PM EST

Monday – Friday

Saturday 8:00 AM to 2:00 PM

Call (800) 867-9757

or email



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