General User Guide
Contents
4
Welcome to ATBOnline Business
5
How to Use This Guide
6
Roles and Entitlements in ATBOnline Business
6
Administrator Role
6
User Roles
6
Transaction Limits
7
7
User Procedures
Accessing ATBOnline Business
7
Sign In
12
Approve or Reject Transactions
12
View Approval History
13
Change Your Password
14
Change the Answers to Your Challenge Questions
15
View the ATB Financial Privacy Statement
16
Managing Your Accounts
16
View Account Details
17
Download Account Transactions
18
View an E-Statement
19
Order a Copy of a Cheque
19
Order a Copy of a Bank Statement
20
Managing Your Enhanced Security
20
Adding a New Phone
23
Editing an Existing Phone
23
Deleting a Phone
24
Transferring Funds
24
Set up a Single, Future Dated or Recurring Transfer
26
Set up Multiple Transfers
27
To View, Cancel and Edit Pending Transfers
28
30
View Transfer History
Stop Payments
30
Stop a Cheque
31
Stop a Pre-Authorized Payment Request
32
Stop Payment on a Range of Cheques
33
View and Delete Stop Payments
35
Paying Bills
35
Add a New Payee
36
Edit a Payee
38
Delete a Payee
39
Create a One-Time Bill Payment
40
Create a Recurring Bill Payment
41
Edit or Cancel Pending Bill Payments
43
View Bill Payment History
General User Guide
2
44
Managing Your Email Alerts
44
Manage Contact Points
45
Edit Your Contact Points for Alerts
45
Delete a Contact Point for Alerts
46
Add an Alert
47
Delete an Alert
47
Accessing MasterCard Services
47
Apply for an ATB MasterCard
48
Order MasterCard Cheques
48
Pay a Creditor from a MasterCard Account
49
Manage a MasterCard Credit Balance Refund
49
Apply to Change the Limit on an Employee MasterCard
50
Add or Remove an Employee MasterCard holder
50
Contacting ATBOnline Business Customer Support
50
To Send a Message to Customer Support
51
View Your Messages to and from Customer Support
52Administration
52
Managing Account Nicknames
52
Manage Account Preferences
52
Auditing via ATBOnline Business
53
Managing Alerts
54
Manage Contact Points
55
Edit Contact Point
56
Delete Contact Point
57
Add Alerts
58
Delete an Alert
59
Viewing Service Statements
62Security
62
How ATBOnline Business Protects You
62
Secure Web Pages and Data Encryption
62
Intelligent Authentication
62
Enhanced Security
65
Limits on User Roles
66
How You Can Protect Yourself
66
Choosing and Protecting Your Password
66
Keeping Your Computer Secure
66 Contact Us
67 Appendix A – ATV Financial BAI2 Code Descriptions
General User Guide
3
Welcome to ATBOnline Business
ATBOnline Business provides secure, convenient access to your business accounts and services 24 hours a day, seven days
a week.
It will allow you to check balances, transfer funds, pay bills, view transactions, order statements, and more.
Once you have a business account with ATB Financial, getting started with ATBOnline Business is quick and easy. This guide
tells you everything you will need.
Thank you for choosing ATB Financial. Let’s get started!
General User Guide
4
How to Use This Guide
This user guide is intended as a reference for all users of the ATBOnline Business platform. This guide takes you through
step by step instructions on how to use the different facets of your ATBOnline Business platform.
There are two main types of clients of the ATBOnline Business platform:
Administrator – This is the individual who controls all of the administrative duties of the ATBOnline Business platform
on behalf of your company.
Users – These individuals are able to access the ATBOnline Business platform to the extent that the Administrator
will allow.
The ATBOnline Business platform is a very intuitive piece of software. It was built with the user in mind.
For each section screen shots are laid out. This guide is meant to be used in conjunction with the view from your
computer as you are accessing the programming. This will give the user of the ATBOnline Business platform a complete
view of what can be achieved through this software.
General User Guide
5
Roles and Entitlements in ATBOnline Business
ATBOnline Business uses a system of roles to give users within your business different entitlements to access and
perform transactions on your accounts. Each user is assigned a role that governs his or her access to the system.
Multiple users can be assigned to the same role.
Administrator Role
The Administrator plays the central role in your company’s ATBOnline Business banking activities. You must choose at
least one person to act as administrator for your company’s accounts online. This administrator is authorized, by the
company, to have full administrative access to the accounts for online banking. The Administrator may want to create a
backup administrator role in cases of vacations, illness or other unforeseen emergencies. The Administrator can:
•
•
•
•
•
•
Perform transactions on accounts
Control account viewing and transaction access
Create roles with entitlements for other users
Assign roles to specific users
Audit users and transactions
Reset passwords and security answers for users
User Roles
The Administrator creates roles for users of the system and assigns each user a role. Once a user has signed in and
responded to the security questions, that user’s specific role entitlements govern which accounts they can view, initiate
payments, stop payments, and make transfers for.
All users have access based on account-level entitlements for:
• Account transfers – You must have account-level entitlements for all to and from accounts to transfer funds.
• Bill payments – You must have account-level entitlements to an account in order to pay bills from it.
• Stop Payments – You must have account-level entitlements to initiate a stop payment on an account.
• For more information on roles and entitlements, refer to the ATBOnline Business – Administrator User Guide.
Transaction Limits
All transactions are governed by the available amount in the account. In the case of a foreign exchange transfer the
limit is governed by your company’s foreign exchange limit.
With certain services, there is an opportunity to further limit the size of a single transaction by placing an
administrator-imposed limit.
ATBOnline has two basic tiers of limits. It may be useful to think of bank-side limits and client-side limits. The first tier,
or bank-side, is set in ATB Financials internal system. These limits can only be accessed by authorized ATB Financial
personnel and are set in consultation with your Administrator. The second tier, or client-side, are set within ATBOnline
Business solely by your company’s Administrator (please see the Role Add/Edit section). The Administrator can place
dollar limits on types of transactions for specific roles for specific services.
General User Guide
6
User Procedures
As a user of ATBOnline Business, you can access account information and perform transactions according to the role
that your administrator has created and attached to your profile.
Accessing ATBOnline Business
Sign In
Once you have been set up for ATBOnline Business with your user ID and Password (users receive their User ID and
temporary password from the Administrator), you are ready to sign in to ATBOnline Business.
1. Go to https://www.atbonlinebusiness.com
2. Type your user ID and Password, and then click Sign In.
3. Follow the on-screen instructions to change your temporary password.
General User Guide
7
4. Follow the on-screen instructions to setup your Challenge Questions and Answers.
5. Select the setup questions by using the drop down arrows within each box that states Select a Question.
6. Type in the corresponding answers to the questions in box adjacent to the question you have selected.
7. Click Submit
8. Follow the on-screen instructions to complete your Enhanced Security enrolment and activation.
General User Guide
8
9. Click Next to start enrolment. This will take you to the Phone Set Up page to add your phone information for activating Enhanced Security.
If you are not ready to enroll, click Defer Enrolment. The Account Summary page will be displayed.
Note: ATB recommends completing your enrolment as soon as possible. Until you enroll, you will only be able to
view your accounts and will have limited online functionality for certain payments and administrative functions.
The enrolment process will be presented each time you log into ATB Online Business.
10.Enter your Phone Number, a Phone Name e.g. mobile or home, and the preferred Delivery Method for your
Enhanced Security notifications. The delivery method can be changed with each Enhanced Security notice
you receive.
11.Click Submit to register your phone information. A one-time passcode will be sent as verification that the phone
is in your possession and the number was entered correctly. This verification process is required for each new
phone number added for Enhanced Security. A passcode input page will appear in ATB Online Business.
Note: When a new phone is set up for Enhanced Security, a SMS text message is sent as notification that ATB
alerts have been activated regardless of the delivery method chosen. This enables the phone to be used for
either delivery method after it has been successfully added.
General User Guide
9
12.Enter the passcode received in your message from ATB and click Submit to complete the phone
verification process.
If your passcode is validated as correct, a Success page will appear. Your Enhanced Security enrolment is now complete.
13.Click Next to display the Account Information page.
When you have signed in, the Account Information page displays messages and items awaiting your review and
approval. You will also see the tabs for all the functionality granted to your role.
General User Guide
10
14.Enhanced Security passcodes are time sensitive and are one-time use only. If your passcode has been entered
incorrectly, a Verification Failed message will appear.
If your passcode has expired, a Passcode Expired message will appear.
15.Click Send New Passcode to generate a new passcode.
Click Cancel to cancel out of the enrolment process.
General User Guide
11
Approve or Reject Transactions
When you sign in to ATBOnline Business, the Today’s Items for Review list will display the number of items awaiting
your approval.
To approve or reject transactions:
1. On the Home tab menu, click Approvals.
2. In the Select column, select the check box for the transaction you want to approve or reject. You can select the
related ID number to see further details of the pending item.
3. Click Reject Selected to reject the transaction or click Approve Selected to approve the transaction.
4. A verify screen will appear after you have actioned the request, click Next.
5. A confirmation screen will appear confirming the action you have requested.
View Approval History
1. On the Home tab menu, click Approval History.
2. Enter the criteria for the approvals you wish to see.
3. Click Submit
General User Guide
12
Change Your Password
Note: If you are the designated administrator, you must contact 1-877-363-4855 (Corporate Financial Services)
or 1-866-282-4932 (Independent Business and Agriculture) to reset your password. For all other users, follow the
steps below:
1. On the Client Services tab, under Preferences, click Change Password.
2. In the Current Password box, type your current password.
3. In the New Password box, type a new password. Your password must be 6 to 32 characters in length with no
spaces. The Password is case sensitive and can be a combination of alpha numeric characters.
For better password security, choose a password that is not similar to your user ID
4. Click Submit. A confirmation message will appear after the change has been accepted.
General User Guide
13
Change the Answers to Your Challenge Questions
Note: If you are the designated administrator, you must contact 1-877-363-4855 (Corporate Financial Services)
or 1-866-282-4932 (Independent Business and Agriculture) to reset your password. For all other users, follow the
steps below:
1. On the Client Services tab, under Preferences, click Change Challenge Questions and Answers.
2. Next to the question/answer click Modify.
3. Type your new answer to the challenge question.
4. Click Submit.
General User Guide
14
5. This change will present an extra level of authentication
6. When the second step of validation is successful you will see a validation message.
View the ATB Financial Privacy Statement
On the Client Services tab, click Privacy Statement. This will re-direct you to the ATB.com website location which
contains this information.
General User Guide
15
Managing Your Accounts
Note: You must have the appropriate entitlements to access and perform transactions on a given account. Contact
your Administrator if you have questions about or need to request changes to your entitlements.
View Account Details
To view the details of the accounts to which you have access, including deposits, loans, credit lines, and
fixed-term investments:
1. On the Accounts tab menu, click Account Summary.
2. To sort the list of accounts, under Account Display, click Display By Account Type or Display By Asset/Liability.
3. To view the transaction details of a particular account click the account name. Up to 180 days of transaction
history is available.
General User Guide
16
Download Account Transactions
To download account transactions to your computer, follow these steps:
1. On the Accounts tab menu, click Download Transactions.
2. Follow the on-screen instructions to specify which accounts’ transactions you want to download, and the file
format you wish to download.
ATBOnline Business offers multiple formats for downloads; CSV, BAI2, and formats that are connected to the
following accounting software.
• .ofx format (please refer to the Exporting Account Information to .ofx Format Software (Simply Accounting
User Guide)
• QuickBooks
• Quicken
• Choose your file format based on accounting software that your business is using. The decision of what type
of file format you choose will depend on your business need.
• CSV – Character (or Comma) Separated Value. This format is commonly used in the exchange of data. It is
commonly used in Excel and Notepad. CSV files are files where the data is written as ASCII format and the
data is separated by a delimiter. ATBOnline allows you to use pipe, comma, space or tabs as delimiters.
Choosing a delimiter is a business decision. From the standpoint of data files the data file is not particular to
a specific delimiter.
The header record in a CSV file defines the layout or order of the fields in a CSV file. If the header appears
within the CSV data set it must be the first record of the file and is subject to all of the same formatting rules. The
Header record is useful if you are unsure of the order that the data parts in the CSV file have been put together.
See appendix for BAI2 data map.
General User Guide
17
View an E-Statement
Your bank statements can be viewed in ATBOnline Business via an e-statement (PDF) that you will be able to save
or print. E-Statements can be requested for accounts for up to 2 years. E-Statements are available for individual or
consolidated statements.
You can request two types of E-Statements:
1. Individual account statements – These statements show the activity on a specific bank account for the period of
time that you have requested.
2. Consolidated statements – These statements show the activity of all your accounts combined in one statement
for the period of time that you have chosen.
To Access Individual E-Statements:
1. On the Accounts page, click E-Statements
2. Select the type of statement (Account or MasterCard)
3. Select the Account and date parameters and click Search.
4. From the listing of available statements, select the one you are looking for.
To Access Consolidated Statements
1. In the Accounts page, click Consolidated E-Statements.
2. Select the date parameters and click Search.
General User Guide
18
Order a Copy of a Cheque
1. On the Client Services tab, click Order Cheque Copy.
2. Fill in the details of which cheque you want to order a copy of.
3. Click Next.
4. A verify order screen will appear, click Submit to confirm your request.
5. A Confirmation of cheque order copy will appear.
Order a Copy of a Bank Statement
1. On the Client Services tab, click Order Statement Copy.
2. Select the account and date for which you want to order a copy of the statement.
3. Click Next
4. A verify order screen will appear, click Submit
5. A confirmation screen will appear confirming the request for a copy of the statement.
General User Guide
19
Managing Your Enhanced Security
Whenever possible, ATB recommends setting up multiple phone numbers for your Enhanced Security. Additional
phone numbers can be added through the Manage Enhanced Security link located within the Client Services tab. Your
existing Enhanced Security phone information can also be edited or deleted through this function. In order to protect
your information, this link may require additional authentication to access.
Adding a New Phone
1. Within the Client Services tab, click Manage Enhanced Security. The Manage Enhanced Security page
is displayed.
General User Guide
20
2. Click add new phone. The Enhanced Security Phone Set Up page will be displayed.
3. Enter your Phone Number, a Phone Name e.g. mobile or home, and the preferred Delivery Method for your
Enhanced Security notifications. The delivery method can be changed with each Enhanced Security notice
you receive.
4. Click Submit to register your phone information. A one-time passcode will be sent as verification that the phone
is in your possession and the number was entered correctly. This verification process is required for each new
phone number added for Enhanced Security. A passcode input page will appear in ATB Online Business.
Note: When a new phone is set up for Enhanced Security, a SMS text message is sent as notification that ATB
alerts have been activated regardless of the delivery method chosen. This enables the phone to be used for
either delivery method after it has been successfully added.
Click Cancel to cancel the phone set up.
5. Enter the passcode received in your message and click Submit to complete the phone verification process.
General User Guide
21
6. If your passcode is validated as correct, a Success page will appear. Your new Enhanced Security phone
information has now been successfully added.
Note: If you have added a new phone but it was not successfully verified, the phone information will appear in
your Manage Enhanced Security page with Please verify under the delivery method. This phone would need to
be verified before it could be used for Enhanced Security.
7. Click Next to return to the Manage Enhanced Security page.
8. To add another phone, click on the add new phone link and repeat the process. Click Cancel to return to the
Client Services page.
9. Passcodes are time sensitive and one-time use only. If your passcode has been entered incorrectly, a Verification
Failed message will appear.
If your passcode has expired, a Passcode Expired message will appear.
10.Click Send New Passcode to generate a new passcode.
Click Cancel to cancel the transaction.
General User Guide
22
Editing an Existing Phone
1. Within the Client Services tab, click Manage Enhanced Security. The Manage Enhanced Security page
is displayed.
2. To edit existing phone information i.e. Primary #, Phone Name or Delivery Method, enter the change to the
applicable field and click Submit.
Note: Due to the phone verification process, the phone number field cannot be edited. If you need to change
your phone number, a new phone would need to be added and the old phone deleted.
Deleting a Phone
1. Within the Client Services tab, click Manage Enhanced Security. The Manage Enhanced Security page
is displayed.
General User Guide
23
2. To delete a phone, click on the recycle symbol shown under the Delete column for the applicable phone
number. A Confirm Delete page will be displayed
3. Click Submit to process the delete request.
Note: The recycle symbol will only appear if there is more than one Enhanced Security phone number on
file. Should there be the need to delete the only phone on file ex. phone is lost or stolen, please contact our
Customer Care Centre at 1-888-655-5152 for further assistance.
Transferring Funds
Note: To transfer funds between accounts using ATBOnline Business, you must have access to both accounts. Contact
your administrator if you have questions about or need to request changes to your entitlements.
Set up a Single, Future Dated or Recurring Transfer
1. On the Transfers tab menu, click Single Transfer.
General User Guide
24
2. Enter the details of the transfer you want to set up.
Note: on the Single Transfer section; Foreign exchange transfers (CAD/USD only) can be executed up to your
defined transaction limit.
3. Click Next.
4. The following verification screen will appear.
5. Once you verify that the information is correct, click Submit.
6. You will receive a transaction reference number as a receipt for the initiated transfer(s). You can also see the
details of the transfer in the Transfer History tab.
General User Guide
25
Set up Multiple Transfers
1. On the Transfers tab menu, click Multiple Transfers.
2. Enter the details of the transfers you want to set up.
3. Click Submit.
4. Verify the information and click Submit.
5. You will receive a confirmation message for the initiated transfer(s).
General User Guide
26
To View, Cancel and Edit Pending Transfers
1. On the Transfers tab menu, click Pending Transfers.
2. Click the transfer you want to Edit/Cancel or View.
3. For single transfers, click Delete or Edit to change the details of the transfer.
4. For recurring transfers you can; View details, Edit the recurring transfer, delete the next transfer or delete all
the transfers.
General User Guide
27
5. Click Submit. A verification screen will appear that confirms the selection.
6. A confirmation message will appear.
View Transfer History
1. On the Transfers tab menu, click Transfer History.
2. Select the account and period for which you want to see transfers and click Search.
General User Guide
28
Stop Payments
Note: You must have the appropriate entitlements to stop a cheque; a range of cheque or a pre-authorized payment.
Contact your administrator if you have questions about or need to request changes to your entitlements.
Stop a Cheque
1. On the Stop Payments tab menu, click Single Stops.
2. Click Stop payment on a single cheque.
3. Enter the details of the cheque you want to stop and click Submit.
4. Validate the information is correct and click Submit.
General User Guide
29
5. A confirmation message will appear once the request is accepted.
Stop a Pre-Authorized Payment Request
1. On the Stop Payments tab menu, click Single Stops.
2. Click Stop Single pre-authorized payment.
3. Enter the details of the payment you want to stop and click Submit.
General User Guide
30
4. Validate the information is correct and click Submit.
5. A confirmation message will appear once the request is accepted.
Stop Payment on a Range of Cheques
1. On the Stop Payments tab menu, click Stop Cheque Range.
2. Enter the details of the range of cheques you want to stop and click Continue
General User Guide
31
3. Validate the information is correct and click Submit.
4. A confirmation message will appear once the request is accepted.
View and Delete Stop Payments
1. On the Stop Payments tab, click Manage Stop Payments.
General User Guide
32
2. Select the account for which you want to view the stop payment details and click Submit.
3. To view additional details of a stop payment, click on the stop payment reference number.
4. To Delete a Stop Payment click the Delete icon next to the stop payment.
5. Validate the information is correct and click Continue.
General User Guide
33
6. A confirmation message will appear once the request is accepted.
Paying Bills
Bill Payments made in ATB Online can only be made through a deposit account in Canadian dollars.
Note: You must have the appropriate entitlements to add, modify, or cancel bill payments. Contact your administrator
if you have questions about or need to request changes to your entitlements.
From this tab, you can also access links to make Government Tax Payments (Can-Act) and AGLC Payments. Both
services require activation by ATB Financial prior to their availability in ATBOnline Business.
Add a New Payee
1. On the Pay Bills tab menu, click Manage Payees.
2. Enter the first three characters of the Payee Name.
3. A drop down box with all potential payees will appear. Select the appropriate Payee and click Next.
4. Enter the Payee account number and create a nickname then click Next.
General User Guide
34
5. Validate the information is correct and click Submit.
6. A confirmation message will appear once the request is accepted.
Edit a Payee
1. On the Pay Bills tab menu, click Manage Payees.
2. Click on the name of the Payee that you wish to edit.
3. Edit the details and click Next.
General User Guide
35
4. Validate the information is correct and click Update Payee.
5. A confirmation message will appear once the request is accepted.
General User Guide
36
Delete a Payee
1. On the Pay Bills tab menu, click Manage Payees.
2. Under Edit/Modify Payees, next to the payee you want to delete, click the Delete button.
3. Validate the information is correct and click Delete Payee.
4. A confirmation message will appear once the request is accepted.
General User Guide
37
Create a One-Time Bill Payment
1. On the Pay Bills tab, click Create Payment.
2. Enter the details of the payment you want to create and click Next.
If the intended payee does not appear in the Payee list, you can add a new payee on the Manage Payees
page. (See section below entitled “Add a new Payee”)
3. Validate the information is correct and click Submit.
4. You will receive a transaction reference number and a status message.
General User Guide
38
Create a Recurring Bill Payment
1. On the Pay Bills tab, click Create Recurring Payments.
2. Enter the details for the recurring payment and click Next.
If the payee does not appear in the list, you can add a new payee on the Manage Payees page.
3. Validate the information is correct and click Add Payment.
General User Guide
39
4. A confirmation message will appear once the request is accepted.
Edit or Cancel Pending Bill Payments
The Edit feature in pending payment allows you to:
a.
b.
c.
d.
View payment details
Skip (delete) a payment
Skip (delete) a payment and or delete the recurring series (option only for recurring payments).
Edit a payment and the recurring series
1. On the Pay Bills tab menu, click Pending Payments.
General User Guide
40
2. Click the Edit/Cancel hyperlink next to the payment you want to edit or cancel.
3. Choose the action that you want executed on the pending payment.
4. Validate the information is correct and click Next.
5. Click Submit to finalize the instruction.
6. A confirmation message will appear once the request is accepted.
General User Guide
41
View Bill Payment History
1. On the Pay Bills tab click Payment History.
2. To see detailed record of a bill payment click the Reference Number hyperlink that corresponds to the payment
you wish to view.
General User Guide
42
Managing Your Email Alerts
Note: You must have the appropriate entitlements to subscribe to an email alert. Contact your administrator if you
have questions about or want to request changes to your entitlements.
Manage Contact Points
Before you can add or manage alerts you must first set up your contact information.
1. On the Alerts tab menu, click Manage Contact Points
2. Complete your contact information and click Add Contact.
3. A confirmation message will appear once the request is accepted along with the contact details.
General User Guide
43
Edit Your Contact Points for Alerts
1. On the Alerts tab, click Manage Contact Points.
2. Click Edit.
3. Edit the information that you need to change and click Update Contact.
Delete a Contact Point for Alerts
1. On the Alerts tab click Manage Contact Points.
2. Next to the alert you want to delete click the Delete button.
General User Guide
44
Add an Alert
1. On the Alerts tab click Add Alert.
2. Click the Alert Type you want to create.
3. Choose the criteria for the specific type of Alert you would like and click Next. Balance, Incoming Wire, EFT
Returns and Chargeback alerts first require that your Administrator to setup the rule profile before a user can
subscribe to those alert types.
General User Guide
45
4. Validate the information is correct and click Add Alert.
5. You will receive a confirmation that the alert has been successfully added.
Delete an Alert
1. On the Alerts tab click Manage Alerts.
2. Next to the alert you want to delete click the Delete button.
3. Validate the information is correct and click Delete Alert.
4. You will receive a confirmation that the alert has been successfully deleted.
Accessing MasterCard Services
Note: You must have the appropriate entitlements to access MasterCard services. Contact your administrator if you
have questions about or want to request changes to your entitlements.
Apply for an ATB MasterCard
On the Client Services tab, click ATB MasterCard Application to open a new window with the online application form.
General User Guide
46
Order MasterCard Cheques
1. On the Client Services tab click Order MasterCard Cheques.
2. Select the account and enter the quantity of cheques you want to order.
3. Click Next and follow the on screen instructions.
Pay a Creditor from a MasterCard Account
1. On the Client Services tab click Pay Creditor from MasterCard Account.
2. Select the MasterCard you wish to pay your creditor from.
3. Enter the details for the payment you want to make.
4. Read the disclaimer and select the Accept indicator.
5. Click Next and follow the on screen instructions.
General User Guide
47
Manage a MasterCard Credit Balance Refund
1. On the Client Services tab click Manage MasterCard Credit Balance Refund.
2. Select your MasterCard account and complete the details.
3. In the Amount box, type the amount of the credit balance that you want refunded.
4. Do one of the following:
• To request ATB to issue a bank draft for the amount, click Issue Draft.
• To request ATB to credit your account for the amount, in the Credit my ATB account list, select an account.
5. Click Next and follow the on screen instructions.
Apply to Change the Limit on an Employee MasterCard
1. On the Client Services tab click Change Individual Card Limit.
2. In the MasterCard Account list, select the card account.
3. In the Employee Name box, type the name that appears on the card.
4. In the Credit Limit box, enter the credit limit you wish to have.
5. Click Next and follow the on screen instructions.
General User Guide
48
Add or Remove an Employee MasterCard holder
1. On the Client Services tab click Add or Remove Employee Cardholder.
2. In the MasterCard Account list select the card account.
3. Click Add Cardholder or Remove Cardholder.
4. Enter the details for the employee cardholder you want to add or remove.
5. Click Next and follow the on screen instructions.
Contacting ATBOnline Business Customer Support
To Send a Message to Customer Support
1. On the Client Services tab click Send Us a Message.
2. Select the message subject and type the message in the space provided and click Next.
General User Guide
49
3. Validate the information is correct and click Submit.
4. You will receive a confirmation that the message has been successfully sent.
View Your Messages to and from Customer Support
1. On the Client Services tab click Read Messages.
2. Select the number of messages you want to display, and then click Display.
3. Click on the hyperlink for the message you would like to review.
General User Guide
50
Administration
Managing Account Nicknames
The default name for each of your ATBOnline Business accounts is the account type (e.g., Basic Account, Business
– U.S. Dollar Chequing, or Cashable GIC). Setting account nicknames can help you identify and distinguish among
your accounts.
Manage Account Preferences
1. On the Client Services tab under Preferences, click Manage Account Preferences.
2. Modify the account names and click Submit.
3. A confirmation message will appear once the request is accepted. When you view your accounts on the Account
Summary page, the account names will now be identified by its nickname.
Auditing via ATBOnline Business
The Audit function allows you to view the activities of all users and activities of your ATBOnline Business platform. You
can search for transactions by any of the following criteria:
•
•
•
•
Service Activity
User
Date range
A combination of the above
General User Guide
51
1. On the Administration tab menu click Audit.
2. Enter the search details and click Search or Download.
Managing Alerts
ATBOnline Business uses email alerts to notify you of activity on your account. The Manage Alerts tab, within the
Administration Page, allows the Administrator to create, view, edit, and delete the email alert rules that are set up for
your company.
Only after the Administrator has set up the appropriate alerts can a user subscribe to and receive those alerts. This is
achieved through the Alerts section under the Administration Tab.
General User Guide
52
The following are the types of Alerts available:
In order to receive email Alerts, you must first set-up your contact details.
Manage Contact Points
1. On the Alerts tab menu, click Manage Contact Points.
2. Enter your contact details and select Add Contact.
3. A confirmation message will appear.
General User Guide
53
Edit Contact Point
1. On the Alerts tab menu, click Manage Contact Points.
2. Click the Edit link.
3. Edit your contact details and click Update Contact.
4. A confirmation message will appear.
General User Guide
54
Delete Contact Point
1. On the Alerts tab menu, click Manage Contact Points.
2. Click the Delete button and then verify by clicking the Delete Contact button.
3. A confirmation message will appear.
General User Guide
55
Add Alerts
1. On the Alerts tab menu, click Add Alert.
2. Click the type of alert you want to add (eg. Balance).
3. Select the account and then click Next.
4. Select the Alert criteria(s) and click Next.
General User Guide
56
5. On the verify screen, review the alert details and click Add Alert
6. A confirmation message will appear.
Delete an Alert
1. On the Alerts tab menu, click Manage Alerts.
2. Select the Delete button next to the Alert you want deleted.
General User Guide
57
3. On the verify screen, review the alert to be deleted and click Delete Alert.
4. A confirmation message will appear.
Viewing Service Statements
Service Statements are fee statements that summarize the fees associated with your accounts. Only the Administrator
or anyone that is allowed full access via Entitlements is allowed access to Service Statements.
To view service statements:
1. On the Administration tab menu, click Service Statements.
2. Enter beginning and end dates for the period in which you want to see the statements.
General User Guide
58
3. Click Display.
4. Click the statement you want to view.
General User Guide
59
General User Guide
60
Security
At ATB, we make your banking security a top priority. We maintain strict security standards to prevent unauthorized
access to your accounts and your financial information through ATBOnline Business.
(Please refer to your ATBOnline Business Access Agreement for further details)
How ATBOnline Business Protects You
Secure Web Pages and Data Encryption
ATB Financial adheres to industry-standard security and encryption practices to protect your banking. Your account
information is encrypted as it travels between our computer system and your Internet browser during your banking
transactions. ATBOnline Business platform uses 128 bit encryption to secure your financial information.
In addition, your ATBOnline Business banking session will automatically sign you out after a 15 minute period
of inactivity.
ATBOnline Business is an Entrust Secured website.
Intelligent Authentication
ATB Intelligent Authentication makes your ATBOnline Business experience even more secure. Intelligent Authentication
examines the access behaviour of visitors to ATBOnline Business and determines when it is necessary to block or
challenge suspicious visitors.
Enhanced Security
Keeping your online business banking safe is a top priority for us. That’s why we’re pleased to introduce our new
Enhanced Security solution to better protect your business accounts from unauthorized access or fraud.
In just two easy steps, our new Enhanced Security solution can keep you two steps ahead of online fraud. Now,
whenever you initiate a sensitive online transaction, our online verification process will prompt you to enter a one-time
use passcode. Some of the business transactions that may prompt the Enhanced Security system to request additional
authentication include:
• Adding or editing bill payees
• EFT Direct Deposit files
• One-off Disbursements
General User Guide
61
• Changes to Passwords and Challenge Questions and Answers
• Managing Users and Roles
Your one-time passcode will be sent to you by SMS text or automated phone call, depending on your preference. When
you enter the passcode in ATB Online Business, the transaction proceeds. The whole process takes only a few additional
seconds, from start to finish. And in just two easy steps, you’re two steps ahead of whatever fraudsters might try. Below
is an example of what occurs with a financial transaction.
The transaction information is entered and verified for accuracy as per existing processes
Step 1: After clicking the Submit button, the Enhanced Security verification page is displayed indicating that
the transaction requires authentication before it can be completed. The online user is instructed to select the
following for their Enhanced Security notification:
• Phone Number – where the notification is to be sent. If there are multiple phone numbers registered, a drop
down box is shown with the various phone numbers to choose from. For security reasons, only the last 5
digits of the phone number and the phone name are displayed.
• Delivery Method – how the notification will be sent i.e. by SMS text message or automated phone call.
• Click Submit to continue with the verification process. An Enhanced Security message will be sent to the
phone number selected by you.
General User Guide
62
• Click Cancel to cancel out of the Enhanced Security Verification page and return to the transaction screen.
Step 2: Upon pressing Submit, a SMS text message or automated phone call will be sent to your selected phone
number. The message will contain a brief description of the transaction along with a one-time passcode.
• Once you have verified the transaction described in the messaging is correct, enter the passcode in ATB
Online Business and press Submit.
• Click Back to re-select your phone information or to cancel the transaction.
If the passcode validates as being correct, the transaction will proceed as normal.
General User Guide
63
Passcodes are time sensitive and one-time use only. If your passcode has been entered incorrectly, a Verification
Failed message will appear.
If your passcode has expired, a Passcode Expired message will appear.
• Click Send New Passcode to generate a new passcode.
• Click Cancel to cancel the transaction.
If you have deferred enrolment for Enhanced Security and attempt a sensitive online transaction that requires
additional authentication, the following message will be displayed indicating the transaction cannot be
completed until your enrolment has been successfully completed.
• Click Back to be re-directed to the Account Summary page. The transaction or request that was attempted
will be automatically cancelled.
• If you wish to enrol in Enhanced Security at this time, log out and log back in to ATB Online Business to
restart the enrolment process.
Limits on User Roles
ATBOnline Business allows administrators to set limits on users’ access to specific accounts, as well as on the amounts
of transactions.
General User Guide
64
How You Can Protect Yourself
We recommend that you adopt the following security practices to increase your own level of protection:
Choosing and Protecting Your Password
• Your ATBOnline Business password guards your security. Never tell anyone your password, including ATB
representatives. ATB Financial will never ask you for your password. We can rest the password only for
the administrator.
• Only your company administrator can reset user passwords for your ATBOnline platform.
• Choose a password that you will remember but that is not easy to guess. Passwords containing combinations of
letters, numbers, and capital letters are usually harder to guess (e.g., 45GC7kt9y).
• The password for ATBOnline Business is case-sensitive and needs to be between 6 and 18 numbers and/
or letters.
• Your password for ATBOnline Business should be unique.
• Change your password on a regular basis.
• Do not write your ATBOnline Business user ID together with your password.
• Do not write down or tell anyone your challenge questions and answers.
• Disable your browser from remembering all sign-in details.
Keeping Your Computer Secure
• Equip your computer with the latest antivirus and firewall protection. Download virus definitions and updates
regularly to ensure you have the most up-to-date versions of your software.
• ATB Financial Does not recommend accessing ATBOnline Business from internet cafés and other public- access
Wi-Fi sites.
• Check for an Internet protection symbol in the bottom right corner of your browser.
• Be sure to sign out of ATBOnline Business once you have completed your banking session.
• Never sign in to ATBOnline Business from an email message or link. ATB will never send an email message
linking you to the ATBOnline Business site. Always sign in directly from your browser to avoid being directed to a
false site.
• ATB will never ask for your personal and financial information by email. If you receive an email message
asking for your ATB banking information or redirecting you to an alternate ATBOnline Business site, delete
it immediately and call ATB Financial at 1-877-363-4855 (Corporate Financial Services) or 1-866-282-4932
(Independent Business and Agriculture).
For more on security, visit atb.com
Contact Us
For more information, call ATB Financial at 1-877-363-4855 (Corporate Financial Services) or 1-866-282-4932
(Independent Business and Agriculture), or visit atb.com.
General User Guide
65
Appendix A – ATV Financial BAI2 Code Descriptions
Record 16 Type Codes
Record 16 Type Codes
BAI2
CODE
BAI2
CODE
DESCRIPTION
CREDITS
DESCRIPTION
DEBITS
108
Debit Card Purchase/Correction
409
Payment
142
Direct Deposit
451
Direct Deposit / Correction
147
Merchant Deposit
455
Pre-Authorized Debit
165
Pre-Authorized Debit/Correction
466
EFT Settlement
166
EFT Settlement
468
EFT Returned Item/Adjustment Settlement
168
EFT Returned Item/Adjustment Settlement 474
Certified Cheque
171
Loan Advance
475
Cheque Paid
174
Deposit
481
Loan
195
Wire Payment
484
Bank Draft
206
Transfer of Funds
495
Wire Payment
214
Foreign Exchange
506
Transfer of Funds
227
Standing Order
514
Foreign Exchange
252
Debit Memo / Correction
527
Standing Order
254
Error Correction
552
Credit Memo / Correction
255
NSF
554
Error Correction
263
Overdraft Transfer/Adjustment
555
Chargeback
266
Returned Item
563
Overdraft Transfer / Adjustment
275
ECP Credit (Zero Balancing)
566
Returned Item
278
ECP Credit/Adjustment (Zero Balancing)
567
NSF Fee
351
Investment/Adjustment
577
ECP Debit (Zero Balancing)
353
Withdrawal / Correction
578
ECP Debit Adjustment (Zero Balancing)
354
Interest
631
Debit Adjustment
355
Investment Interest
651
Investment / Adjustment
357
Credit Adjustment
654
Interest
359
Interest / Adjustment
659
Interest / Adjustment
391
Universal Credit
691
Universal Debit
395
Cheque Reversal
694
Deposit / Correction
398
Service Charge / Correction
698
Service Fee
399
Credit Memo
699
Debit Memo
920
Payment / Correction
960
Debit Card Purchase
921
Merchandise Return
961
Withdrawal
922
Merchant Reversal / Correction
962
Insurance Premium
923
Loan / Adjustment
963
Non-Residence Tax
924
Goods and Service Tax
964
Merchandise Return
925
Non Resident Tax
965
Merchant Reversal
926
Loan Interest / Adjustment
966
Goods and Service Tax
927
Insurance Premium / Adjustment
967
Debit Card Purchase Cash Back
928
Debit Card Cash Back
968
Loan / Adjustment
969
Merchant Deposit / Correction
General User Guide
66