Thomaston Savings Bank
Business Online Banking Guide
Member FDIC
Welcome
A quick and Easy Guide to Business Online Banking
Whether you’re at home, at work or on the road, we are here for you 24 hours a day, 7 days a week with our Online Banking & Bill Payment Services.
This guide is designed to help you answer your questions about Thomaston Savings Bank’s Online Banking. Experience the convenience of having 24‐hour access to real‐time account information from your computer and mobile device. Online Banking is convenient, easy to use, and more secure than ever. In addition to accessing your account information and transferring funds online, you’ll also be able to export account information to financial management software, such as Quicken® or QuickBooks® direct connect, and pay your bills online.
We appreciate your business and are committed to providing you with the best possible banking experience.
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Security By following our tips, Business Online Banking can be a safe and efficient method for handling your banking needs.
User Identification and Password Security starts at your computer. Never share your Login ID or password with anyone. Make sure your password is hard to guess by combining random numbers and letters instead of using your birth date, pet’s name, or other obvious clues.
Secure Sockets Layer Encryption (SSL) This technology scrambles data as it travels between your computer and our system, making it difficult for anyone to access your account information. SSL is a trusted method of securing internet transactions.
Browser Registration In addition to your personal password security, your financial institution has added additional security measures with Brower Registration. Browser Registration strengthens the safeguards in place at login by adding additional steps to verify your identity. Although these security enhancements are benefiting you and your security, you probably will not notice them during your regular day‐to‐day experience.
Online Banking Safety Tips
Ensure your web browser, operating system, anti‐virus software and other applications are current and support 128‐bit encryption. Memorize your passwords. Exit your Online Banking session when finished. Do not leave your computer unattended when logged in to Online Banking.
Thomaston Savings Bank will never send unsolicited emails asking you to provide, update, or verify personal or confidential information via return email. If you receive an email inquiry allegedly from Thomaston Savings Bank, please report the incident to a customer service representative as quickly as possible.
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To mitigate the risk of online fraud and identity theft, your first and best protection is awareness. Please visit the Security Center: https://www.thomastonsavingsbank.com/education‐resources of our website for additional information on how to make yourself more secure online.
Phishing Phishing is an online scam tactic that is used to lure users into unknowingly provide personal data, such as credit card information or login IDs and passwords. Using spoof (look‐a‐like) emails and websites, the tactic attempts to gain the trust of unsuspecting targets and convince them that vital information is being requested by a vendor they may already have a relationship with, such as their bank.
Identity Theft It is important that our customers are aware of the dangers of identity theft. Identity theft can occur when criminals find a way to steal your personal or other identifying information and assume the use of that data to access your personal accounts, open new accounts, apply for credit in your name, purchase merchandise, and commit other fraud or related crimes using your identity.
Fraud Prevention Tips
Do not open email attachments or click on the link from unsolicited sources. Avoid completing email forms or messages that ask for personal or financial information.
Do not trust an email asking you to use a link for verification of login or account details. Monitor your account transactions for unauthorized use. Shred old financial information, invoices, charge receipts, checks, unwanted pre‐ approved credit offers, and expired charge cards before disposing of them. Contact the sender by phone if you are suspicious of an email attachment.
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Getting Started & Logging In
Login and User ID – There is a new login area on the Home Page of the Thomaston Savings Bank website for Cash Management customers. Click the Business tab in the Account Login box. Your User ID will remain the same. Enter your User ID and click the LOGIN button.
Password – For initial login, your password will be the last 4 digits of your business tax ID number + the 5 digit Zip Code of your business address – a total of 9 numbers with no dashes. For your security, you will then be required to select a new password after the initial login. You will be directed to a page requesting that you verify or update your email address. If the contact information presented is not correct, please call us at 860.283.1874 or toll‐free at 855.344.1874.
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Theme Switcher
We offer two background themes for you to select from in order to customize your online banking experience. The default theme is Chameleon with our Thomaston Savings Bank background skin graphics.
There are several Chameleon background skin colors to choose from. To change your Chameleon skin color simply select the mountain icon located in the top right hand corner of your screen.
You will be presented with several background color options to choose from:
In addition you may change from the Chameleon theme to our Majestic theme if desired.
To change between our Chameleon and Majestic themes simply select the arrow icon on the left hand menu bar.
When hovering over the icon the words Theme Switcher will appear. Select the Theme Switcher icon and select the desired theme from the Desktop Theme dropdown options. Select Update.
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Navigation
You may navigate to the various online banking pages by either selecting the tab names at the top of the pages:
Or by selecting the desired icon on the left hand of your screen. Hover the cursor over each icon to display the page name: Accounts Summary, Transfers, Bill Pay, ACH, Wires, Remote Deposit, Theme Switcher and Admin.
Accounts Summary
The Accounts Summary page will provide you with an overview of your linked accounts and current and available balances. Click on the account nickname and you will be taken to Account Activity where you can view detailed account history including pending transactions, account history and account details.
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Customize Your Page
It is easy to customize any page you are on. You can choose which modules you would like to display or not display, and the order in which you would like them.
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1. Select the gear icon in the upper right hand corner of the screen . 2. A Customize Your Page window will appear. Select the boxes of the modules you would like to appear on your page. Click Save. 3. You can easily move sections around by placing the cursor over the dotted triangle in the top right hand corner of that module; click on the triangle and while holding the mouse button down, move the section to where you would like it.
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Account Activity
Account Activity shows your Online Banking transaction history.
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1. Click on the Account History dropdown to switch between accounts. 2. Perform advanced searches by date range, type of transaction, description, check number and amount. 3. View Pending ACH and debit card(s) transactions. 4. To inquire about a particular transaction, click the question mark next to the transaction and the information about that transaction will automatically populate. 5. Type your message in the message field and click on Send.
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eStatements
Our eStatements service makes managing your account statements easier than ever. Begin by choosing eStatements from the menu. Select View eDocuments to view eStatments for the account.
If you are new to eStatements you will be required to register the first time. Click the account you would like to enroll in. You will be prompted to review your contact information and accept the Terms and Conditions. You must perform these steps for each account you want to enroll. Once enrolled you can return to this page to view your eStatements.
Transfer Funds
The Manage Payments & Transfers screens allows you to set up an internal transfers and loan payments.
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1. Select the accounts you wish to transfer/pay From and To using the drop‐down menus. 2. Enter the dollar amount to be transferred/paid.
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3. Schedule your transfer to occur immediately, future‐dated (one‐time) or recurring. Select they type of payment (if applicable). Select the date and frequency for any recurring transfers. 4. Click Submit.
The Payment & Transfer Activity Screen shows your online banking transfer activity. View the status, type, amount, account and date of your online activity. Depending on the type of account and access, you can review, edit and delete unprocessed transactions.
Bill Payment/Pay My Bills
The Bill Payment feature allows you to pay your receive and pay bills online, schedule future payments and view records of past payments. You must first be enrolled in Online Bill Payment. To enroll, click on Pay My Bills and choose which accounts you wish to enroll and follow the onscreen instructions. If you are already enrolled, simply select Pay My Bills and you will be brought to our online bill payment site.
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Card Manager
The Card Manager feature allows you to manage your Thomaston Saving Bank debit and/or ATM card(s) anytime. You can temporarily disable/enable your card to block transactions for added security. Access to this feature is limited by user entitlements.
Alerts This service allows you to manage alerts in order to receive email and SMS notifications about your online banking account and other transactions. You may manage alerts for account balances, transactions, logins, information change alerts, security notifications and much more.
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Service Center and More The Service Center and additional options under the More tab offer a variety of additional services and options. Select the gear icon from the left side of the screen (User Profile).
Stop Payment on a Check: Place a stop payment on an individual or range of checks. Reorder Checks: Reorder checks directly from our check printing site. Alerts and Alert Management: Manage account, transaction and user alerts and notifications. Change Email Address, Address and/or Phone Number: Update or change your business and user email address, physical/mailing address and/or phone numbers. Note: this function may be restricted by user entitlements. Change User ID: Change your online banking user ID. Change Password: Change your online banking password. Change Security Information: Update your online banking security information. Card Manager: Disable and enable your Debit/ATM card(s). Note: this function may be restricted by user entitlements. Travel Notification: Notify us of your travel plans so you may be ensured uninterrupted card and online banking access. Hide/Show Accounts: Select which accounts to display in online banking. Quicken/Quickbooks: We offer Quicken and Quickbooks via both web connect and direct connect. Manage Account/Account Nickname: Nickname your accounts for easy identification within online banking.
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Messages The Message feature is a secure notification service for sending and receiving. Messages are accessed by clicking on the envelope icon at the top of your screen.
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To send a new message: 1. Select Compose New. 2. Select the applicable Category and Account (if desired). 3. Enter a subject line. 4. Type your message. 5. Select Send.
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To read a new message: 1. Select and click on the message in your inbox. The message will open in a new window. Here you can Reply or Delete.
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Notifications The Notification feature is where you will receive any alerts from either Thomaston Savings Bank or from account, transaction and user alerts you set up to be notified about. Notifications are also sent to your email and SMS text. Notifications are accessed by clicking on the envelope icon at the top of your screen.
Remote Deposit Capture Remote Deposit Capture is an optional service that allows you to streamline your bank deposit process by scanning and electronically submitting checks directly to the Bank for deposit to your account. It is a secure system that eliminates the physical transfer of checks, reduces manual processes and provides for online image storage and research. To access remote deposit capture select the Remote Deposit Capture icon from the left hand menu. You will be connected to our remote deposit platform.
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Wires The Wire Transfer service provides an online template for creating individual wire transfer payments. A wire is an order to pay funds electronically, and is a more immediate payments instrument than an ACH transaction. Thus, wire transfers generally involve larger payments and/or a shorter payment schedule. Wires – Activity The Wires Activity screen allows the user to approve or reject pending wire transfers and search wire transfer history. For fraud prevention dual control can be instituted for wire processing. This security tool requires approval of the wire by a separate authorized user prior to releasing the wire transfer.
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Wires – Payees The Payees module allows you to manage wire beneficiaries which are external entities such as individuals or organizations.
1. Select Payees from the sub‐menu to view a list of beneficiaries already set up. Here you can easily edit or remove a beneficiary.
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2. To add a new Payee select the Add Payee button from the Payees screen. 3. The Payee Details screen will appear. 4. Select the Payee Type of Domestic or International. 5. Enter in all required information in the Payee Information section. 6. Select the wire format type of Domestic or International. 7. Enter in all required information for the Payee Financial Institution section. The Payee Financial Institution is the bank where thes Payee’ account is held. 8. If the Payee Financial Institution requires an Intermediary Financial Institution, select the Show Details box under Intermediary Institution (optional) and enter in the required information for the Intermediary Institution. 9. Select Save after completing all necessary information.
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Wires – Single or Multiple
You may set up single wires (one at a time) or you may set up multiple wires to send at once.
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1. Select the Single tab from the sub‐menu. 2. Select the desired Payee from the drop down menu. 3. Select the funding account. 4. Select the amount. 5. Select the amount to send the wire transfer. 6. You may also add an optional memo. 7. Select Submit when finished entering the wire details. 8. If you have more than one beneficiary you would like pay at a time, you can pay them through the multiple wires module.
If dual control is required by your organization the wire(s) will appear in the Pending section of the Wires Activity screen. A second, authorized user must log into online banking to approve the wire transfer.
If dual control is not required by your organization the wire(s) will appear in the History section of the Wires Activity screen. This confirms your wire has been transmitted.
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Wires – One Time
You may set up a one‐time wire transfer without previously creating a Payee. Select the One‐ Time tab from the sub‐menu. Enter all necessary wire transfer information and select submit. The Payee information for a one‐time wire transfer will not be saved to your Payee list.
ACH (Automated Clearing House) Automated Clearing House (ACH) capabilities include direct deposit of payroll, consumer credits and debits, commercial credits and debits and state and federal government payments. ACH – Activity The ACH Activity module allows the user to approve or reject pending ACH Origination files and search ACH Origination history. For fraud prevention dual control can be instituted for ACH Origination processing. This security tool requires approval of the wire by a separate authorized user prior to releasing the ACH Origination file. ACH – Activity: Returns Report The ACH Returns Report is located in the ACH Activity module. If an originated ACH entry or batch is returned (i.e. account closed, insufficient funds) the returned item and details will appear in the ACH Returns Report. It is recommended this report be checked daily for any returned ACH originations.
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ACH ‐ Participants The Participants module allows you to manage individuals or organizations who receive ACH originations.
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1. Select Participants from the sub‐menu to view a list of Participants already set up. Here you can easily edit or remove a Participant. 2. To add a new Participant select the Add Participant buttonm fro the Participant screen. 3. Enter in all required information for the Participant. 4. The Unique Identifier is an optional field. 5. Group is an optional field. 6. Company Discretionary Data is an optional field. 7. Once all of the required fields have been populated, select Save.
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ACH – Batches The ACH Batches module allows you to manage established ACH Origination batch templates.
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To use an established batch template to originate a new batch:
1. Check off the box to the left of the desired ACH Batch. 2. Enter the Effective Date for the ACH Batch Origination. 3. Click the Pencil icon to the right of the Effective Date. 4. This will open the Batch Details module. 5. Edit the amount desired for each entry. 6. Select the Hold box if you don’t wish to originate to a particular Participant in the batch. 7. Select the Prenote box if you wish to send a prenote to a particular Participant in the batch. Ensure the dollar amount is $0.00. 8. Select Save to initiate the Batch. 9. Click on Addenda if you wish to add an Addenda record to the entry.
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10. To view a list of Participants already set up. Here you can easily edit or remove a Participant. 11. To add a new Participant select the Add Participant button from the Participant screen.
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12. Enter in all required information for the Participant. 13. The Unique Identifier is an optional field. For example this could be a unique employee number. 14. Company Discretionary Data is an optional field. For example this could be “Payroll” or “Membership Dues”, etc. 15. Group is not a required field. 16. Once all of the required fields have been populated, select Save.
If dual control is required by your organization the Batch(es) will appear in the Pending section of the ACH Activity screen. A second, authorized user must log into online banking to approve the wire transfer.
If dual control is not required by your organization the Batch(es) will appear in the History section of the ACH Activity screen. This confirms your ACH Batch has been transmitted.
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ACH – File Import
The ACH File Import allows uploading of ACH Participants into existing batches. This feature can be used to both import and override any data associated with an existing batch. Click on the File Import tab in the sub‐menu for additional action steps.
ACH – Pass‐Thru
The ACH Pass Thru function allows you to load and submit a fully NACHA formatted file. To upload Pass Thru file.
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1. Click on the Pass‐Thru tab in the sub‐menu. 2. Select Browse and locate the desired file. 3. Select Upload. Save and process the file.
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Service Center – Add/Manage Users The Add/Manage Authorized Users feature allows you to manage authorized user(s) and track user activity. The ability to manage users is restricted by entitlement. Generally only the business Administrator is granted this function.
Navigate to the Service Center and select the Users tab in the sub‐menu. This will open the Users module. You will be presented with a list of established users including information about their User ID, Status, Last Login and User Type. From this screen you can edit the user, edit the user’s entitlements or delete the established user. You may also create a new user.
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Edit User
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1. Select the desired user and click on the pencil icon to the right of their name. 2. Review the available information such as User ID, Name, DOB, Email Address, Contact Phone numbers, etc. It is very important that user information is complete and up to date at all times. 3. Select Save to save changes.
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Adding a Secondary Business User
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Both the business and the business user must have the user administration entitlement to add secondary users. Please note: If secondary user is given “User Administrator” they will be able to create other secondary users.
1. Click the Add User button to add a new user. 2. Complete all required information for the new user. 3. Select Save.
User will receive confirmation that the secondary user has been added. User will be brought to the Entitlements screen – see next page.
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Edit Entitlements
The Entitlements module reflects all entitlements granted to a User including transactional entitlement and account access. Administrators may edit entitlements, dollar limits and account access.
When an Entitlement is granted there may be additional sub‐entitlements for that category that will also appear and require attention. The bottom of the entitlements screen lists the linked accounts to the user and their account access.
User Entitlements and limits cannot exceed the limits granted to the organization by the Bank. When all entitlement updates are complete, select Save.
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Local 860.283.1874 | Toll-Free 855.344.1874 www.thomastonsb.com
Revised: 06/2017
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