Getting Started Guide

◗ ONLINE BANKING FROM CAPITAL CITY BANK
Getting Started Guide
for Treasury Management Clients
January 2016
www.ccbg.com/upgrade
Overview
Online Banking from Capital City Bank offers a modern design with all-in-one online and mobile access that’s faster
and easier to use than ever before. Enjoy the consistent look and feel of the account-management experience on your
desktop, tablet or smartphone. The Commercial menu option allows you to manage users, company policy and complex
banking transactions.
For the best account-management experience on Apple or Android devices, use our
free CCBMobile banking app. On a desktop or another device, use online banking
in a browser that supports HTML5. Not sure what browser you have? Click here or
visit www.thismachine.info to check.
(You are leaving the Capital City Bank website for a third-party web tool to help you determine your
current operating system. This site is independent and not maintained by Capital City Bank, therefore
we cannot guarantee accuracy of the information contained therein.)
This Getting Started Guide explains the most common tasks in our online banking service and CCBMobile app:
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Logging in for the First Time..................................................................................................p.3
Logging in after the First Time...............................................................................................p.4
Using the Menu..................................................................................................................p.4
Viewing Account Details......................................................................................................p.4
Viewing Online or Mobile Banking Transactions in the Activity Center........................................p.6
Approving Payments in the Activity Center.............................................................................p.7
Sorting Transactions............................................................................................................p.7
Adding a Payee and Paying a Bill...........................................................................................p.7
Transferring Funds...............................................................................................................p.8
Commercial Menu Options..................................................................................................p.9
Terminology.......................................................................................................................p.9
Creating the Company Policy...............................................................................................p.10
Defining User Roles.............................................................................................................p.11
Using the Policy Tester.........................................................................................................p.13
Making Payments in Treasury................................................................................................p.14
Creating One-Time Payments and Payment Templates..............................................................p.14
Depositing a Check.............................................................................................................p.16
Placing a Stop Payment........................................................................................................p.16
Reading a Secure Message in the Message Center..................................................................p.17
Creating a Secure Message in the Message Center.................................................................p.17
Creating an Alert.................................................................................................................p. 18
Configuring Security Alerts...................................................................................................p.18
Changing Security Preferences.............................................................................................p.19
Finding an Office or ATM.....................................................................................................p.20
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To learn more about these or additional functions not covered in this Getting Started Guide, select Help from the online
banking menu or reference the following User Guide available at www.ccbg.com/upgrade:
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Treasury Management Online Banking User Guide
Logging in for the First Time
Visit www.ccbg.com to log in from your desktop or mobile browser, or open the CCBMobile app. You will need your
existing Capital City Bank online banking Username.
For all clients, the first time you log in you must verify your identity through the use of a Secure Access Code.
When you use a Secure Access Code, we send a one-time code to either a mobile phone number via SMS (text) message
or phone number via automated voice message that is on file for you. You will need to be able to access one of these
methods of communication during your initial log in.
NOTE: A phone number with an extension will not work as a method of receiving a secure access code.
To log in for the first time with a Secure Access Code:
• Enter your existing Capital City Bank online banking Username.
• Click or tap Activate My Service.
• Select a delivery method, or target, for your Secure Access Code (SMS [text] or phone). Your delivery
options are based upon the contact information we have on file, but you may update this information for future
verifications in Settings > Security Preferences once you are logged in.
NOTE: Changing delivery information for Secure Access Codes will not change the contact information
on your account. These settings are only for online banking purposes.
• Enter the Secure Access Code in the space provided.
• Select a new password when prompted. Passwords must be at least 8 characters long (but not more than
25), contain a number and include an uppercase letter.
• Review your Online Banking Profile and click Next.
• Click or tap I Accept to acknowledge receipt of and agreement with the “Capital City Bank Online Banking
Agreement and Disclosure for Treasury Management Clients” previously provided to you.
• After completing these steps, you will be taken to your account summary page. This page may be personalized
in Settings > Account Preferences.
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Logging in after the First Time
From the www.ccbg.com homepage or CCBMobile app, enter your Username and password and click Sign In.
You have the option to select Remember me to save your Username for future log ins. You may also Register the
device to keep from needing an access code the next time you log in. However, anytime you log in from a new device
or browser, you will be prompted to enter your Token Code. You may register multiple devices for use with our online
banking service.
NOTE: Trusteer download is required on any desktop device you intend to use with online banking.
Using the Menu
You may use the options in the Menu to change settings, manage secure messages, review online and mobile deposit
transactions, search transactions and access the Commercial menu options to manage users, company policy and
complex banking transactions. Other services are available also.
In online banking, the Menu is always available to the left of or above the Account Overview. On a tablet or smartphone,
the Menu does not always appear. Tap the Menu button or swipe from the left edge of the screen to show it. Tap the Menu
button again or swipe toward the left edge of the screen to hide it.
Viewing Account Details
From your homepage (Account Summary page), select the name of the account you wish you view. The Account Details
page includes information about the account selected and details of up to 100 transactions at one time. Click (>) to view
more transactions.
Some transactions may appear in both the Account Details and Activity Center pages, depending upon the transaction
status and how you created it. A transaction that originates within online or mobile banking will appear on both pages,
but a transaction performed outside the online banking service will only appear in the Account Details page. The Account
Details page includes all transactions on an account, while the Activity Center (accessible from the Menu) only includes
transactions made via online or mobile banking.
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Viewing Account Details (continued)
Page
Account Details
Transactions Included:
All posted and pending transactions, including:
• Checks
• Deposits
• Transactions at Offices
• Debit Card or ATM Transactions
• Bill Payments
• Transfers
Activity Center
Transactions created in online banking or mobile
banking app, including:
• Commercial Payments
• Transfers
• Online Bill Payments
• Mobile Deposits
• Stop Payments
Actions You Can Take on the Account Details Page:
• View Additional Transactions:
◗ Click or tap the next icon (>) to view the next set of transactions.
◗ Click or tap the previous icon (<) to view the previous set of transactions.
• View Transaction Details:
◗ Click or tap the transaction to expand the details.
◗ If you need assistance with a transaction, expand the transaction details and select
Ask about transaction to send a secure message.
◗ Click or tap the transaction again to hide the details.
Getting Started Guide Page 5
Viewing Account Details (continued)
• Filter Transactions:
◗Click or tap Show Filters.
◗Select one or more of the following:
- Date range from the Time Period drop-down list or specify dates in the Start Date and End
Date calendars.
- Type of Transaction from Transaction Type drop-down list.
- Minimum or maximum for the transaction in the Min Amount and Max Amount fields.
- Check number range in the Check# fields.
◗Click or tap Apply Filters.
• Export Transactions
◗Click Export to export your selected transactions into one of the following formats:
spreadsheet (xls), spreadsheet (csv), Microsoft OFX (ofx), Quicken (qfx) or QuickBooks (qbo).
Viewing Online or Mobile Banking Transactions in the Activity Center
The Activity Center includes all transactions you create in the online banking service and the mobile banking app,
including commercial payments. Use the Activity Center to view, approve or cancel a transaction that has not completed
processing. After an online or mobile transaction has posted to your account, it also appears on the Account Details page.
To view transactions in the Activity Center:
• From the Menu, click or tap Activity Center.
• Select one or more of the following:
◗ Click or tap Single Transactions to view single, or one-time, transaction. Click or tap Search and enter
your search text in the transactions field. The results list includes all matching payments and transfers.
◗ Click or tap Recurring Transactions to view a recurring transaction series. Choose a date range from
the Time Period drop-down list or specify dates in the Start Date and End Date calendars. To view an
individual transaction in a series, select Show Associated Transactions. Click or tap Search and enter
your search text in the transactions field. The results list includes all matching payments and transfers.
◗ Click or tap Deposited Checks to view checks deposited with your mobile device. Choose a date
range from the Time Period drop-down list or specify dates in the Start Date and End Date calendars.
Enter other search criteria in the the fields provided and select Apply Filters.
• Browse to locate the transaction you wish to view.
• Click or tap on the transaction to expand, or hide, the details.
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Approving Payments in the Activity Center
• When you have pending approvals waiting, the number of pending approvals appears on the tabs.
• Browse or search for the payments you want to approve. To approve a single payment, click or tap the
Actions drop down list in the row of the payment you want to approve. Click or tap Approve.
To approve multiple payments, select the check box for each payment. Click or tap Actions column,
then click or tap Approve Selected.
NOTE: Your Token Code will be required to authorize transactions. Enter the current code from the token when
prompted, and then click or tap Confirm to verify the approval. A message confirms the approval.
Sorting Transactions
On the Account Details page and in the Activity Center, the column headings indicate the sort order of the transactions.
The column used to sort includes a triangle icon. The direction of the triangle icon indicates ascending or descending
sort order.
To sort transactions:
• Click or tap one of the column headings.
• Click or tap the same column heading again to change the sort order between ascending
and descending.
Adding a Payee and Paying a Bill
You must enroll in Bill Pay or have been enrolled in Bill Pay with our previous online banking service before you can add
a payee or pay a bill.
To add a Payee:
• From the Menu, select Bill Pay > Quick Bill Pay.
• Click or tap All Bill Pay Options > Quick Add Payee.
• On the Add Payee page, enter the payee details and click or tap Save.
• When the success message appears, click or tap Close.
NOTE: Payees also may be added on our full Bill Pay site by selecting Bill Pay > All Bill Pay Options
and “Add a Payee” on the Payments tab.
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To pay a bill:
• From the Menu, select Bill Pay > Quick Bill Pay (best for one-time payments).
• On the Bill Pay page, click or tap a Payee name.
• Specify the From account, Amount, Delivery Method and Date of the payment.
• Click or tap Send Payment.
• When the status page appears, click or tap Close.
NOTE: To establish recurring payments, visit our full Bill Pay site by selecting Bill Pay > All Bill Pay Options.
Under each Payee listed, you will see the option to “Make it Recurring.”
Transferring Funds
Make single or recurring transfers between your accounts.
To transfer funds:
• From the Menu, select Transfers > Transfer.
• On the Funds Transfer page, specify the From Account, To Account, Amount and Date of the transfer.
• To create a Recurring Transfer, check the box labeled Make this a recurring transfer and the Schedule
Recurring Transfer window appears. Select when the transfer should recur and for how long by choosing a date
from the calendar or selecting Repeat Forever. Click or tap Save.
• Click or tap Transfer Funds to complete the transaction.
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Commercial Menu Options
Commercial features let users who have commercial accounts manage complex banking needs including high transaction
volumes and large number of employees.
Terminology
• Allowed Actions define what users can and cannot do for each transaction type. For example, specific
subsidiaries can be tied to ACH payments along with the maximum draft amount that is allowed.
• Approval Limits indicate the highest amount that users assigned to a specific User Role can approve
for specific transaction types.
• A Company Policy is a top-level set of rules that control how users throughout an organization can work
with accounts, transaction types, and features such as Manage Templates and Manage Users. Features and
Accounts are read-only at the Company Policy level; Allowed Actions can be configured at the Transaction
Type level.
• Features are Online Banking tools and pages that can be restricted for use by certain individuals only, based
on the User Role to which they are assigned. Access to features is typically driven by an organization’s business
needs. Examples include Manage Templates and User Role Management.
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• A Payment Template is a set of instructions that can be used for repeated payments or collections, such as
payments to vendors and suppliers, collections from customers, and Payroll payments.
• Treasury extends the capabilities of the online banking service and mobile apps to meet the needs of Financial
Institutions that have commercial accounts with complex banking needs, such as high transaction volumes and
large numbers of employees.
• A User Role is a set of rules that govern access to features, accounts, and transaction types that can be assigned
to multiple users. For each account, permissions can be configured to allow or block users from viewing account
details, depositing funds, and/or withdrawing funds. Treasury provides several User Role Templates, including
Admin Role, Payables Manager, and View Only. Each template can be used as a starting point when creating a
custom User Role.
Creating the Company Policy
One of the first steps in the Treasury experience is to create the Company Policy that defines how users throughout your
organization can access accounts, transaction types, and features. Features and accounts are read-only at the Company
Policy level, but Allowed Actions can be configured for every transaction type to define what can be done and how it can
be done, across the entire company’s transaction set.
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To create a Company Policy
NOTE: Company Administrators will have access to the Manage Company Policy feature to perform these steps.
• In the Navigation menu, click or tap Commercial > Company Policy.
• On the Overview tab, add Allowed Actions for each transaction type to specify what users can
and cannot do for each Transaction Type.
• For each Transaction Type, review the total, daily, monthly, and per-account limits for each transaction
type as these limits are read only at the Company level.
• On the Features tab, review which features (e.g., Manage Templates, Manage Users, etc.)
are available to Treasury users. Available features will vary according to Online Banking settings.
• Switch to the User Roles tab and proceed to the next section.
Defining User Roles
Using pre-configured User Role Templates as a starting point, you can copy, rename, and customize a User Role to control
which transaction types, features, and accounts the User Role has access to along with assigning transaction approval
limits for each transaction type. For each account, permissions can be configured to either allow or block users from
viewing account details, depositing funds, and/or withdrawing funds.
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To create a User Role
NOTE: Company Administrators will have access to the Manage User Roles feature to perform these steps.
• Navigate to the User Role tab on the Company Policy page.
• There are two ways to create a User Role: by using a template or by building a role manually.
◗ To build a User Role based on a template:
- Expand the Role Templates section of the page.
-Click Copy Role Template (
) next to a template that resembles the new User Role.
- On the New Role page, type a Role Name and edit the Description.
- Click or tap Save.
◗ To build a User Role manually.
-Click Create Role.
- On the New Role page, type a Role Name and edit the Description.
- Click or tap Save.
• Click or tap Continue to customize the User Role.
• For each account, specify the type of access — view-only, deposit, and withdraw — that users linked to the
User Role will have.
• For each transaction type, specify Allowed Actions plus traits (such as Draft Hours), set Approval Limits,
and configure Viewing Rights to control which transactions are accessible from the Payments page and
the Activity Center page for users.
• (Optional) Use the Policy Tester to test a role before making permanent changes, as described in the
next section.
• Select available features (such as Managing Templates) and save the User Role. (If the Dual Action of
Non-Financial Transactions option is enabled, submit the role for approval instead).
After a User Role is saved (and approved, if necessary), it can be applied to users on the User Management page.
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Using the Policy Tester
While setting up Allowed Actions for a transaction type, you can use the Policy Tester to compare the Draft, Approve, and
Cancel operations for the User Role with the Company Policy. This tool lets you test potential Allowed Action edits before
making permanent changes.
To use the Policy Tester
• In the Navigation menu, click Commercial > User Roles.
• Locate the User Role for which you want to edit a transaction type.
• Click or tap Edit (
) for the desired User Role.
• Click or tap the Transaction Type.
• When the Transaction Types page displays Allowed Actions, click or tap Policy Tester.
• Within the Example Transaction criteria, enter transaction information to test whether the User Role Policy,
Company Policy, and Bank Policy will allow the transaction to proceed.
• Click or tap Test.
The Policy Results appear and indicate if the transaction can proceed based on the current policies, as well as which User
Role Allowed Action supports the test transaction submitted.
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Making Payments in Treasury
After a user is assigned to a User Role (as configured on the User Management page), the user can begin creating
payments in Online Banking immediately. However, note that the extra features added with the Treasury product will
impact whether or not a payment will be accepted and processed.
• Recipient total amounts must be less than or equal to the draft maximum amounts configured for the
Allowed Actions of the User Role.
• User Roles must have the Manage Recipients feature enabled to create templates and new recipient records.
However, the feature is not required to create one-time payments.
• If there are subsidiaries in the customer profile, User Roles must have the Manage Subsidiaries feature
enabled to create templates that include subsidiary information.
• The accounts that are available for payments will be impacted by the subsidiaries that are tied to the accounts
if they are tied together as part of an Allowed Action for that transaction type.
•
When a user drafts or approves a payment in the Review & Submit tab, the payment will be checked against
the Allowed Actions (for example, Draft Hours) for the associated User Role, in accordance with the
Company Policy. If the payment does not meet the criteria of the Allowed Actions created, the user will
receive an error message.
Creating One-Time Payments and Payment Templates
Your business pays and collects funds every day. You can use Commercial payments and templates to create one-time
payments or payment templates to automate routine transactions.
A Payment Template is a defined set of instructions that you can use for repeated payments or collections. Templates
make it easy for you to set up and use repetitive transactions, including:
• Payments to vendors and suppliers
• Collections from customers
• Payroll payments
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To create a Payment Template
• In the Navigation menu, click Commercial > Payments.
• On the Info & Users tab, type a name for the payment template and select the users that will have
access to the template.
• On the Recipient & Amount tab, specify an SEC code (for ACH payments only), add a recipient,
select a recipient account (if multiple accounts exist), and enter an amount.
• On the Subsidiary tab, select your company or choose the business entity for which your payment
template is created.
• On the Account tab, select the account from which payments will be made.
• On the Review & Submit tab, select an effective date for the template, set up a schedule
(for a recurring template), and then click or tap Save, Approve, or Draft, depending on your user rights.
NOTE: You will be required to input your token code at payment approval.
To create a One-time Payment
• On the Recipient & Amount tab, specify an SEC code (for ACH payments only), add a recipient,
select a recipient account (if multiple accounts exist), and enter an amount.
• On the Subsidiary tab, select your company or choose the business entity for which your payment
template is created.
• On the Account tab, select the account from which payments will be made.
• On the Review & Submit tab, select an effective date for the template, set up a schedule
(for a recurring payment), and then click or tap Save, Approve, or Draft.
NOTE: You will be required to input your token code at payment approval.
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Depositing a Check
Use our free CCBMobile app to deposit checks into your accounts. Download the app from the app store on your
mobile device.
To deposit a check:
• From the Menu in the CCBMobile app, select Mobile Deposit.
• On the Mobile Deposit page, select the account into which the deposit should be made and enter
the Amount. Click or tap Save.
• Tap Capture image and the Image Capture page appears.
• On the Image Capture page, use your device to take a picture of the front and back of the
endorsed check and then tap Submit Deposit. Use the guides on the screen to align the check to capture
the image. If the picture of the check is blurry, tap Retake Front or Retake Back to take a new picture.
• Tap Close. The check appears in the Submitted tab in the Mobile Deposit History list.
Placing a Stop Payment
You may easily place a stop payment from your online banking service and CCBMobile banking app for paper checks
issued by you. For checks converted to electronic debits by merchants, paper drafts or ACH debits, stop payments may
be placed with the assistance of a banker by contacting us at 888.671.0400.
NOTE: The payment information entered into the required fields needs to be exact to be effective. Also, a Stop Payment
Fee will be charged for each stop payment request and renewal thereof.
To place a stop payment:
• From the Menu, select Services.
• Click or tap Stop Payments.
• Indicate whether you wish to stop a single check or a range of checks.
• Select the account on which the check(s) is drawn and enter the check number or range of check numbers.
Click Save and Send to complete your request.
• If you have additional information from the check such as the payee or amount, you may add to the
corresponding fields.
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Reading a Secure Message in the Message Center
When you have unread messages, the number of unread messages appears next to the Message Center item in the
Menu. In the Inbox, unread messages include a red triangle in the top left corner.
To read to a secure message:
• From the Menu, select Message Center.
• If the Inbox appears on the right side of the screen, click or tap the message you wish to read.
• If the Inbox does not appear, click or tap Inbox and then select the message you wish to read.
• Messages appear as conversation threads that include the original message and any related messages.
Creating a Secure Message in Message Center
Secure messages may be created in online banking or in the mobile banking app through the Message Center.
To create to a secure message:
• From the Menu, select Message Center.
• Click or tap New Conversation.
• Select a recipient from the drop-down options and enter a subject and your message in the
fields provided.
• [Optional] In online banking you’ll have the opportunity to attach a file. Look for the paper clip
symbol ( ) and click on it to bring up a dialog box. In the Open dialog box, select the file to attach
and click Open.
• When your message is complete, click or tap Send.
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Creating an Alert
Alerts are useful to help you manage your accounts by reminding you of important dates, payments, balance levels, etc.
When you create an alert within online or mobile banking, it takes effect immediately and remains in effect until you disable
or delete it.
To create an alert:
• From the Menu, select Settings > Alerts.
• In the New Alert drop-down list at the top right, click or tap the alert type you wish to create.
• Follow the prompts to select the conditions that will trigger the alert.
• Specify how to deliver the alert (secure message, e-mail, text, etc.).
• To repeat the alert every time the trigger occurs, select the Every Occurrence check box.
• Click or tap Save.
• When the success message appears, click or tap Close to finish.
When you select Every Occurrence, a Transaction alert is sent every time the trigger
conditions match. Account, History and Insufficient Funds alerts are sent only once
per day.
Configuring Security Alerts
Security alerts inform you immediately when a security-related event occurs. Some security alerts are required. In the list of
secure alert types provided, these required alerts are dimmed. You can enable or disable optional security alerts. Available
alert types vary depending on your account type.
To enable or disable security alerts:
• From the Menu, select Settings > Alerts.
• Click or tap Security Alerts.
• To enable an alert, click or tap On. To disable an alert, click or tap Off.
• On the Save Alert page, click or tap Close to finish.
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To edit security alert delivery preferences:
• From the Menu, select Settings > Alerts.
• Click or tap Security Alerts and select Edit Delivery Preferences.
• To enable an alert, click or tap On. To disable an alert, click or tap Off.
• On the Save Alert page, click or tap Close to finish.
Changing Security Preferences
You may change your password and update your Secure Access Code delivery contact information from the
Settings > Security Preferences option on the Menu. We will only send a Secure Access Code to a known secure
delivery contact you have provided. This code helps protect your account if your Username and password are ever
lost or stolen, or if you forget your password.
If the Secure Delivery option does not appear, contact our Treasury Management
Support Specialists Monday through Friday from 8 a.m. to 5 p.m. Eastern at
866.317.6582 or [email protected].
To change your password:
• From the Menu, select Settings > Security Preferences.
• Click or tap Change Password and enter your existing password and new password.
• Click or tap Change Password again. When the change is complete, a success message appears.
To update your Secure Access Code delivery contact information:
• From the Menu, select Settings > Security Preferences.
• Click or tap Secure Delivery.
• Click or tap New Phone Number or New SMS Text Number and enter the new contact information.
• Click or tap Save to finish.
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Finding an Office or ATM
For your convenience, we use built-in location services in your browser or mobile device to determine your location
and help you find the closest office or ATM. Your browser or mobile device may ask for permission to access location
information. If your location is available, offices and ATMs are sorted by their distance from you. If your location is not
available or you do not grant permission to access location services, a default list of offices and ATMs appears. Offices and
ATMs also are searchable in the search field provided.
To locate an office or ATM:
• From the Menu, select Locations.
• Click or tap Offices or ATMs based on which you would like to view.
• On the Offices or ATMs page, you may view the locations list and zoom to see the map in more detail.
• Click or tap the Search field to enter a city, state or ZIP Code.
• Click or tap on a specific Office or ATM for information about office hours and location, or select
Get Directions to map your route.
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