Sun National Bank
Business Online Banking 2016 Enhancement
Client Reference Guide: This guide will assist you in
setting up administrative rights, users and roles, as
well as provide detail on transactions and reporting.
Client Reference Guide - Overview
Contents:
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Overview
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Logging In
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Administration
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Dashboard Setup
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Users & Roles
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Approval Settings
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Account Activity
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Transfers & Payments
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Alert Setup
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Sun National Bank
Business Online Banking 2016 Enhancement
Client Reference Guide
LOGGING IN
Login
Users will log in to the system from the same place on
our website that they always have.
Company ID
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Each company will utilize a 7-digit numeric code
which will be used each time they log in. Users will
not be able to access internet banking without the
Company ID. (Contact Customer Service at
800.SUN.9066 or Cash Management at
866.786.5990 if you do not have your Company ID
by November 2.)
User ID
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User IDs (Username) will remain the same as their
current ID, however, there is not any
punctuation/special characters. They will need to
be removed when using the new system.
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For example: Current System: john.smith
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New System: johnsmith
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Login - Out of Band Authentication (OOBA)
Out of Band Authentication (OOBA) is a security measure used to verify the identity of the
individual logging into Business Online Banking. OOBA will be required the first time customers
log into the new system and each time they log in from a different device, as well as when
transacting ACH or Wire activity through our system. Below are screen shots of what
customers will manage through at first login:
1. Click “Continue with Security Code.”
2. Select either Phone or Text Message; click “Continue.”
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Login - Authentications
Telephone Authentication
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The phone call will ask for the one-time security code displayed on screen. Enter code
and click “Phone Call Completed.”
Text Message Authentication
1. Enter the mobile phone number to receive the text (must be a number on file and listed as Mobile/Mobile
2/Other phone type); click “Send Text Message.”
2. Enter the code received in the text message; click “Submit.”
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Login - Password
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A temporary password will be addressed in an email November 2.
Enter the temporary password; click “Sign In.”
Note: users will be prompted to create a new password at first log in. (If you did not
receive the email or need assistance please call 800.SUN.9066 or if you have Cash
Management services, call 866.786.5990. )
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Sun National Bank
Business Online Banking 2016 Enhancement
Client Reference Guide
ADMINISTRATION
Company Administration Guide - Overview
Effective Date: November 14
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This guide is intended to provide instructions for managing the setup and administration
of your business within Business Online Banking. Please refer to this Reference Guide for a
quick introduction to the features within Sun National Bank’s new Business Online Banking
platform.
Administration of Business Online Banking
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Business Online Banking requires at least one user be designated as the Primary User of
the Company. The Primary User will receive full entitlements granted by the Bank,
including the Administration role. The Bank strongly recommends designating secondary
Company Users with the Administration role for dual control and backup purposes. The
Primary User must log into Business Online Banking first to add additional Business Users,
grant them access to necessary Accounts, and enable transaction features and limits
required to perform their jobs. (If you need assistance please call 800.SUN.9066 or if you
have Cash Management services, call 866.786.5990. )
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Administration Menu
Administration Menu
Company Administrators are responsible for
the following functions:
1. Managing Account Information
2. Managing Approval Settings
3. Managing Users
Only users with the Administration Role have
access to these functions within Business
Online Banking and they are responsible for
verifying this information upon first login as
well as maintaining the information going
forward.
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Company Administration
Company Administration
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Prior to setting up and managing Users, the Primary User should begin with Managing
Account Information and Managing Approval Settings for each account and
service that allows Users to move funds both internally (transfers) and externally (ACH
& Wire Services). Assigning limits and approval settings at the account level provides
a benchmark for assigning individual limits and approval entitlements when adding
users.
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Sun National Bank
Business Online Banking 2016 Enhancement
Client Reference Guide
USER & ROLE SETUP
Users with the Administration Role
Users with the Administration Role manage Approvals Required for Setup:
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If desired, companies can require secondary approvals for the setup of payment templates
and company administration functions at the company level.
The image to the right is an example
of a setup only requiring a single
approval for the setup of payment
templates. If a company decides to
mandate that a second approval is
required for setting up or editing
templates, a “2” is entered for the
service.
Note: Placing a number greater than
1 in the Administration approval box
ensures any changes at the
company level, including adding and
editing user, requires a secondary
Administrator to approve the
change. This practice is a sound
security practice and useful if
creating a role specifically for
company administration only.
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Manage Users
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Within Business Online Banking, a Primary User must be established by the Bank. The Primary User will
receive full entitlements granted by the Bank, including the Administration role. Additional
Administrators are strongly encouraged by the Bank, and can be added by the Primary User by
entitling the Administration role.
Users with the Administration role are responsible for managing all individual Users required by the
Company, including adding/changing//deleting users; resetting passwords, establishing phone
numbers; assigning functionality entitlements and transaction limits. The Bank will not manage users for
the Company unless it is deemed an emergency and proper written notification is obtained.
By default, the Primary User will receive full entitlements granted by the Bank, unless a second user
with the Administration role customizes their entitlements within Business Online Banking Administration.
The Bank encourages customizing these functions to the level of entitlements required by each client
Administrator to perform their respective job.
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New User Profile
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Company Administration -> Manage users -> Select new user
User ID – You can assign a unique User ID. The
ID you choose should be at least 4
characters long.
Starter Password – Starter Passwords are not
case sensitive, must be 8 to 12 characters
and contain at least 1 letter and 1 number
Name Fields – Insert the User’s first and last
name
Primary e-mail address – Add the user’s email
Phone Number – Enter a phone number
unique to the user being created. This
number will be used for the One-Time
Security Code upon first login
Note: Extensions requiring a prompt prior to
entering the number can be added within
the Extension field. Example: If a phone
system requires “Press # now to enter an
extension” add the # symbol prior to the
number in the extension field. It may also be
necessary to add a pause (,=2sec, .=5sec)
between the # symbol and the number.
Note: If user will receive text message alerts
and/or one time security code texts, the
phone number entered must be Mobile,
Mobile2 or Other.
Click Continue
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New User Roles
Once the user is created, the Administrator can either assign the user unique roles or model
another user's roles (recommended).
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Note: If the user is to be provided with “view only” access, do not select any of the below
roles.
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Allow this user to setup templates – provides a user with the ability to setup transaction
templates and schedule transfers, payments, and collections. Templates created by the
user need an additional approval if not assigned an approval role.
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Allow this user to approve transactions - provides a user with the ability to both draft and
transmit capabilities.
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Grant this user administration privileges - provides a user with the ability to add, modify,
and delete users, as well as account maintenance.
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Allow Roles & Services
By default, all Accounts approved by the Bank to be added for a client are enabled for all
Transfers and Payments functions (e.g. internal transfers, PPD collections, etc.). Users with the
Company Administration role are responsible to provide appropriate account access and
entitlements to each user.
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Click the “Add” link next to each service to establish features and entitlements per user
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Select the account(s) that you are providing access to for the service and click “save
changes”
 Entitled Account function – User can view the service and create entries, if
applicable; but submitting transactions will require authorization by another user
with Authorize rights in order for the transaction to be processed by the system if
the user does not have the Approval role.
 Allow Transmit function – User can draft and submit transactions without
authorization by another user. The transmit function also allows the user to
approve and submit transactions drafted by other users.
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Once all services and accounts are entitled, click “Continue” at the bottom of the page.
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Allow Roles & Services
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Note: If providing a user with access to view accounts, enable Deposit Account reporting
1 and entitle the accounts to be viewed under Information Reporting. If both of these
Services are not enabled the user will NOT be able to view accounts. See below
example:
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Allow Roles & Services
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Note: Account reporting titles vary depending on the Business Online Banking package a
business is enrolled in. This service can also be listed as “accounts” or “deposit reports”.
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Assigning User Limits
After the Administrator assigns a user the services and applicable accounts associated with
each service, the following screen allows limits to be established for each service the user was
entitled.
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Insert a “Maximum Transaction Limit” if desired for each service or select the established
“Company Transaction Limit” and save. If desired, the Bank can add your pre-approved
limit for the ACH Service within Business Online Banking. The Bill Pay Transaction limit for
your Company is $9,999.99
Note: If the user exceeds their established limit, a second approval is required by a user with
approval limits above the transaction amount but within the Company Daily Limit or Bill pay
Transaction limit.
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Assigning User Limits
Note: If the user exceeds their established limit, a second approval is required by a user with
approval limits above the transaction amount but within the Company Daily Limit or Bill pay
Transaction limit.
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Verify the User’s information and entitlements are correct and “Submit.”
Note: A second Administrator needs to approve the new user setup if required by your
organization to have more than one approval for this task.
Edit User Information
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Users with the Administration role are responsible for managing a user’s profile once
created. The Administrator will have the ability to edit the roles, functions, and limits of a
user as needed. An Administrator also has the ability to reset a locked User’s profile due
to failed password attempts. To edit a user’s profile, choose Manage User under the
Administration Menu and click the User ID requiring changes. Note: Reference Express
Management Report on page 7 for an efficient way to assign roles and services for newly
added accounts to a user’s profile.
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Manage Users
Use this feature to view, edit, delete or add users and user entitlements. (For more detailed
information bankers may refer customers to the “Company Administration Guide” located on
the website.)
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On the Administration menu, select “Manage Users” under the Company Administration
heading.
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Manage Users
Manage Existing Users
1. Click on the User ID of the user to edit.
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Manage Users
2.
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Click the “Edit” link next to the area you wish to edit or click “Delete user” to remove
the user entirely.
Manage Users – Create New User
Under User Administration, click Create New User
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Manage Users – Create New User
New User - Profile
1. Complete Profile
information.
2. Click
“Continue.”
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Manage Users – New User Roles
1. Select “Copy user” to model new user after an existing one. Roles, services and accounts may all
be edited later, but copying an existing user saves time in the setup process.
2. Select the User Role(s).
3. Click “Continue.”
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Manage Users – New User Services & Accounts
1. Add, Change or Remove services for the user.
2. Click “Continue.”
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Manage Users – New User Limits
1. Set limits if needed.
2. Click “Continue.”
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•
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New User – Verification
1. Review setup and make changes if necessary.
2. Click “Submit.”
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Manage Users – New User Verification
1. Review setup and make changes if necessary.
2. Click “Submit.”
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Unlock User Profile
From the Manage User screen, locate and click on the System Access link to the right of the user
name.
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Remove the checkmark from the box located next to User locked when a profile is locked.
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Enter and confirm a new password for the user if they have forgotten their current password.
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Click Save Changes
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Note: An Administrator has the ability to temporarily lock a user’s profile from this same screen
by placing a checkmark in the User locked box.
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Sun National Bank
Business Online Banking 2016 Enhancement
Client Reference Guide
DASHBOARD SETUP
Dashboard Setup Tool
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The Welcome page or “Dashboard” is customizable. It is designed to provide customers
with quick and easy access to the information and functions they use most frequently.
The “Dashboard Setup Tool” will be displayed for users the first time they log into internet
banking. They can select (or remove) the panels they’d like displayed on their
dashboard. These may be changed at any time.
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Dashboard Setup Tool
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The “Dashboard Setup Tool” will be displayed for users the first time they log into internet
banking. They can select (or remove) the panels they’d like displayed on their
dashboard. These may be changed at any time.
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Dashboard - Manage Dashboard Panels
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Move Panels - Panels on the Dashboard may be moved by clicking on the heading and
dragging to the desired position.
Delete Panels - Click the down arrow in the top right corner of the panel; click “Delete
this panel.”
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Dashboard - Manage Dashboard Panels
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Add Info Panels – 1) Click “Add Info Panels”; 2) All available panels are displayed; click
“Add now” to add any panel to the Dashboard.
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Dashboard - Manage Dashboard Panels
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Delete Panels - Click the down arrow in the top right corner of the panel; click “Delete
this panel.”
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Sun National Bank
Business Online Banking 2016 Enhancement
Client Reference Guide
TRANSFERS AND PAYMENTS
Transfers and Payment Menu
Transfers and Payments Menu
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Transfers and Payments include Bill Payment, Transfers, all functions related to ACH and
Wire Transfer origination. The availability of the features shown below will be based upon
request by the client and approval by the Bank.
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Account Transfers - Internal Transfer – one account to another
On the Transfers and Payments menu, select “Transfer money – internal” under the Internal
Transfer heading.
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Account Transfers - Internal Transfer – one account to another
On the Transfers and Payment menu, select “Transfer money – internal” under the Internal
Transfer heading.
1. Enter transfer details; click “Continue.”
2. Verify transfer; “Edit request” and re-submit or “Transmit”
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Sun National Bank
Business Online Banking 2016 Enhancement
Client Reference Guide
APPROVAL SETTINGS
Manage Approval Settings
Manage approval settings
Setting Approval Limits is a sound business practice and recommended by the Bank to process
transactions accurately and protect against fraud. The approval settings screen provides for two
levels of approvals: 1) Approvals required for transactions, and 2) Approvals required for setup
Users with the Administration Role manage Approval Limits for transactions by:
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If desired, a “Request Amount” can be established to define when a secondary approval is
needed. If an amount is defined, then input the subsequent number of approvals needed if
the amount is less than or greater than the Request Amount.
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If all transactions should be approved by a secondary user, then leave the amount at $0 and
define how many approvals are needed in the “Approvals If Greater” column.
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Select the “Require Separate Entry From Approval” box if one of the Approvals should not
come from the User who submitted the transaction.
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If a Service is set to require multiple authorizations, please ensure at least two users have the
“Approval” role in order to approve and transmit the transaction(s) to the Bank. An Alert will be
sent to client users notifying them that a transaction is awaiting authorization.
For example, in the
screen shot to the
right, CCD
Collection requires
two approvals.
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Manage Approval Settings
To further explain this:
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If a user only has the role to Setup templates and they submit a CCD Collection, an Alert will
be sent to all users with the Approval role and two additional users with the Approval role must
authorize the transaction.
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If a user has the role to Setup templates and the Approval Role, an Alert will be sent to all
remaining users with the Approval role and one additional user with the Approval role must
authorize the transaction. Additionally, if the “Require Separate Entry From Approval” is
checked, the transaction will require two separate users with the Approval role to authorize
the transaction.
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Any user with the Approval role can act as the first or second authorizer. However, the
transaction amount must be within the user’s Authorize limits, as defined within their Maximum
Transaction Limits.
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Please Note: If transactions are not approved prior to the bank’s 4pm business day cutoff, the
transaction will not be processed. The request will still be in the “Approve ACH Transactions”
task, however, the effective date will need to be updated to the next available business date
prior to Approval.
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Sun National Bank
Business Online Banking 2016 Enhancement
Client Reference Guide
ACCOUNT ACTIVITY
Manage Account Information
Manage account information
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Only users with the Administrator role have the ability to add descriptions to accounts. Once a
description is assigned, this description will propagate to all users. Note: A second Administrator
can assign a different title, which will override the original title.
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Select Manage Account Information under the Administration menu. A list of accounts will
populate.
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Click on the account number and enter a description in the box to the right.
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Save Changes
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Express Account Management
When the Bank adds new accounts to a profile, it can be cumbersome for an Administrator to
edit each individual user profile for access and entitlements to the account. The Express Account
Management tool allows an Administrator to select a user and the account from the drop down
menus on the screen.
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Select the user from the first menu
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Choose the new account from the second menu
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Checkmark the service and entitlement level for each service
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Save Changes (and Choose the next User if applicable)
Note: After saving the changes for the first user, each subsequent user will have the same services
and entitlements check marked from the first user.
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Access Account Activity - Important Account Balances
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The “Important Account Balances” panel on the Dashboard is the quickest way to
access account information.
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Access Account Activity
Previous and Current Day Transactions
1. Click the account number to view within the “Important Account Balances” panel.
2. Previous day and current day transactions are displayed.
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Access Account Activity
To display transactions older than one day, an activity report must be run.
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1. Click the “Activity – deposit account” link from the menu on the left.
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Access Account Activity
To display transactions older than one day, an activity report must be run.
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2. Select the Output. (Defaults to “Screen (HTML)”)
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Access Account Activity
3. Choose which account(s) to view. Use the “View” drop down menu to narrow down the list
to a specific type of account (i.e.: checking or savings).
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4. Select the search criteria for your report.
5. Click “Search.”
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Sun National Bank
Business Online Banking 2016 Enhancement
Client Reference Guide
ALERT SET-UP
Manage Alerts
On the Administration menu, select “Manage alerts” under the Communications heading.
Select how the alert should be received; click “Add alert.”
3. Repeat for Non-account Alerts.
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Manage Alerts
1. Add or change existing alerts, by clicking on the link next to the Alert.
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Manage Alerts
2. Select how the alert should be received; click “Add alert.”
3. Repeat for Non-account alerts.
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User Setup Report / Invalid Login Report
User Setup Report
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Company Administrators have the ability to review each user’s setup through the User
Setup Report located under the Administration menu. User reports can be generated for
one user or all users accessing Business Online Banking. The reports show a user’s contact
information, assigned services, entitlements, and limits for each account number. These
reports can be especially helpful when an Administrator is looking to create a user and
wants to find the appropriate user to “Copy”. Administrators should also reference these
reports to audit the access of current employees and ensure that employees no longer
with the company are removed.
Invalid Login Report
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The Invalid Login Report is a feature within Business Online Banking that works as a fraud
protection tool for a company. Administrators are able to see when users log into the
system, from what location the user is connecting from, and if the user gained access.
The Administrator should reference this report prior to unlocking a user’s profile due to
login failures. From the report, the Administrator can verify the failed access was
completed by the user. This reporting tool can be used to perform periodic audits to
ensure users are only accessing Business Online Banking from company assigned devices
as described by internal security procedures.
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Where to Get Help
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Cash Management/Banklink Customers: 866.786.5990 or email [email protected]
Small Business/Business Connect Customers: 800.SUN.9066 or email
[email protected]
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