Firstrust`s Internet Banking System

A Comprehensive Guide to Understanding
CORPORATE
®
Firstrust’s Internet Banking System
firstrust.com
800-220-BANK
Welcome
Welcome to FirstConnect Corporate®, our Internet Banking System, designed to provide tools
to help manage your business finances. FirstConnect Corporate® offers wire transfers, Positive
Pay, administration oversight tools, flexible reporting, greater ACH capability, lockbox services and
enhanced security features.
This guide is designed to introduce you to FirstConnect Corporate®. By using these features, you
will find that you are able to reduce the amount of time spent managing your company’s finances:
• ACH Origination
• Alerts
• Balance Reporting
• Book Transfers
• Enhanced Security
• Lockbox Services
• Manage Corporate Users
• Positive Pay
• Stop Payments
• Wire Transfer
• Enhanced Reporting
© 2010-2012 Murphy & Company, Inc.
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Disclaimer
Concepts, strategies and procedures outlined in this guide can and do change and may not be applicable to all readers. The content in this guide is not
warranted to offer a particular result or benefit. Neither Firstrust nor the author/publisher, nor any other party associated with this product or service
shall be liable for any damages arising out of the use of this guide, including but not limited to loss of profit, commercial, special, incidental or other
damages. For complete product and service information, please refer to the terms, conditions and disclosures for each product and service.
The commercial Internet Banking services provided by Firstrust are subject to the FirstSite® Commercial Internet Banking and Master Cash Management
Services Agreement as may be amended from time to time.
Security
At Firstrust Bank we are pleased to offer FirstConnect Corporate®, our online banking services via
the Internet. As part of the delivery of online services, we understand the sensitive nature of your
financial records and the critical need for both Firstrust and you to remain diligently aware of and
actively protect against ever-changing threats from cybercrime and fraud. To better protect yourself,
please review the information below.
Security At Your Computer
Online fraud is increasing at a rapid pace. You should always take precautions to keep yourself
and your company’s technology resources secure. Some things you can do to minimize your risk
to fraud are:
• Install and maintain up-to-date anti-spy and anti-virus software.
•B
e careful what Internet sites you visit, some sites contain viruses and software that, once loaded on
your PC, are capable of recording sites you visit and every keystroke you make on your PC. Some of
the more popular social networking sites are common sources for such malicious software.
•M
inimize the number of PCs you use to conduct financial transactions and limit it (or them) from
other Internet-related activities.
• E nsure everyone accessing your network is using strong passwords and that both Customer and
User Password are changed on a periodic basis (for example, every 90 days).
• Restrict the use of wireless connectivity, web-cams and instant messenger (IM).
• Educate other employees utilizing your company’s network about SPAM and phishing schemes.
• Ensure your company is utilizing phishing and SPAM filtering software against your email.
These activities alone are not enough to protect you. Constant vigilance and common sense are
always required. While we continue to evaluate and implement improvements in Internet security
technology, users of FirstConnect Corporate® also have a responsibility for the security of their
information and should always follow the recommendations below:
•U
tilize the latest version of your web browser (for example, Internet Explorer). FirstConnect
Corporate® is best viewed and most secure when you use up to date browsers.
• Be sure others are not watching you enter information on the keyboard.
•K
eep your computer free of viruses and other malware. Use virus protection software to routinely
check for a virus on your computer. Never allow virus or other malware to remain on your computer
while accessing FirstConnect Corporate®.
• If possible, use a dedicated system or PC to conduct online banking transactions. Use anti-spyware
software that performs an updated scan for spyware and removes it.
•U
se web-site filtering tools, hard-drive encryption and unique Administrator passwords on each PC
conducting financial transactions.
• Review and install Windows updates on a periodic basis.
• Make certain you are using application-based security functions such as dual factor approvals.
•O
n a periodic basis, conduct a review of Users that are set up in your application, the permissions
and rights that have been given to each User and activity reporting. Based upon changes in
employee responsibilities or employment status, delete or modify permissions for Users immediately.
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Security (continued)
•U
tilize the “Dual Authorization” functionality currently available in FirstConnect Corporate®.
Dual authorization is a security feature which requires two Users at your company to set up and
approve Funds Transfers (Wire Transfers and ACH) and creation of templates. Users performing
dual control functions should not use the same computer.
• S afeguard any physical security devices, such as tokens, that are required to initiate wire transfers
or ACH batches.
• Encrypt your keystrokes to help establish secure communications.
• Limit ACH debits to your accounts to those from approved originators.
If you would like additional information on how to secure your information technology systems,
please go to the F.B.I. cyber-investigation website at www.fbi.gov/cyberinvest/cyberhome.htm.
Confidentiality
Keep all account and login data confidential. Never share your passwords with anyone. Never include
account sensitive data in unsecured email. Never include account numbers in nicknames.
Passwords
The most secure passwords utilize letters, numbers and special characters. Do not use initials, birth
date or loved ones’ names in your password. FirstConnect Corporate® requires you to change your
password every 90 days to help ensure that information cannot be guessed or used by others.
Additionally, FirstConnect Corporate® heightens security by requiring both a Customer Password
and a User Password. For enhanced security we recommend you periodically change both the
Customer and User Password.
Signing Off
If you have to step away from your computer for even a few minutes, always be certain to SIGN OFF
from your FirstConnect Corporate® session. Once a session has ended, no further transactions can
be processed until you log in again to FirstConnect Corporate®. Remember:
• Never
leave your computer unattended while logged in to FirstConnect Corporate®. Always lock
your PC when you step away by using <CRTL> + <ALT> + <DELETE>.
• E nable the automated screen lock function on your PC to lock your screen after no more than ten
minutes and require a password to unlock. Others may approach your computer and gain access
to your account information if you walk away without locking your PC.
• E xercise appropriate security precautions when establishing timeout criteria using the Administrator
function. Timeout length affects all Users within a company.
Note: Any software provided by an independent third party is subject to their licensing, terms of use and other
conditions. Firstrust has no liability for your use or inability to use any such software or for any related damages
or losses which may be incurred as a result thereof.
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FirstConnect Corporate® Internet Banking
Token Set-Up
Security built on reusable passwords has proven easy for hackers to beat. FirstConnect Corporate®
offers you authentication based on something you know (a four to eight-digit PIN) and something
you have (the physical token)—providing a much more reliable level of user authentication than
reusable passwords.
The first time you attempt an action which requires token authentication, this screen will appear.
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1 • Enter the Tokencode from your token in the Passcode box and click Submit. The Tokencode
changes at set intervals.
You will be prompted to establish a PIN. The PIN will be used in conjunction with the Tokencode for
future transactions.
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2 • Enter a 4 - 8 character (alpha/numeric) PIN. Verify the PIN, and click Submit.
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Token Set-Up (continued)
You will then be prompted to enter your PIN plus the Tokencode to proceed to your
requested transaction.
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3 • Enter your Passcode and click Submit.*
* YOUR PIN + the TOKENCODE = PASSCODE
Note: Going forward, whenever you attempt a transaction which requires Token authentication,
you will be prompted to enter your PIN/Tokencode combination as the PASSCODE.
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FirstConnect Corporate® Internet Banking
Table of Contents
Security. . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 1
Token Set-Up. . . . . . . . . . . . . . . . . . . . . . . . . 3
Primary Company Administrator and
User Administrator Roles. . . . . . . . . . . . . . . . . 6
Logging In . . . . . . . . . . . . . . . . . . . . . . . . . . . 7
Security Questions . . . . . . . . . . . . . . . . . . . . . 8
General Navigation . . . . . . . . . . . . . . . . . . . . . 9
My Dashboard . . . . . . . . . . . . . . . . . . . . . . . . 10
ACH
ACH Batch Activation. . . . . . . . . . . . . . . . . 11
ACH Batch Approval . . . . . . . . . . . . . . . . . 11
ACH Report. . . . . . . . . . . . . . . . . . . . . . . . 12
ACH Pass-Thru . . . . . . . . . . . . . . . . . . . . . . 12
ACH Pass-Thru Approval . . . . . . . . . . . . . . 13
ACH Pass-Thru Report . . . . . . . . . . . . . . . . 13
ACH Totals . . . . . . . . . . . . . . . . . . . . . . . . . 14
ACH Exception Report. . . . . . . . . . . . . . . . 14
ACH Admin
Create and Maintain
ACH Templates and Batches . . . . . . . . . . . 15
Update ACH Participants . . . . . . . . . . . . . . 16
Batch Template Approval . . . . . . . . . . . . . . 17
ACH Permissions . . . . . . . . . . . . . . . . . . . . 17
Activity
Audit Report. . . . . . . . . . . . . . . . . . . . . . . . 18
Alerts. . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 19
Balance Report
Previous Day. . . . . . . . . . . . . . . . . . . . . . . . 20
Same Day Real Time . . . . . . . . . . . . . . . . . . 20
MultiDay . . . . . . . . . . . . . . . . . . . . . . . . . . 21
Transaction Download. . . . . . . . . . . . . . . . 21
Favorite Reports. . . . . . . . . . . . . . . . . . . . . 21
BR Quick Reports. . . . . . . . . . . . . . . . . . . . 22
Book Transfer . . . . . . . . . . . . . . . . . . . . . . . . 23
Corporate Users
Managing Users . . . . . . . . . . . . . . . . . . . . . 24
Set Up Users. . . . . . . . . . . . . . . . . . . . . . . . 24
Grant Permissions. . . . . . . . . . . . . . . . . . . . 25
User Limits. . . . . . . . . . . . . . . . . . . . . . . . . 25
Money Transfer – Wire
Initiate Template or
Freeform Wire . . . . . . . . . . . . . . . . . . . . . . 26
Approve Initiated Wire . . . . . . . . . . . . . . . . 27
Set Up Wire Templates . . . . . . . . . . . . . . . . 27
Approve Wire Templates . . . . . . . . . . . . . . 28
Create Template Group. . . . . . . . . . . . . . . . 28
Initiate Multiple Wires . . . . . . . . . . . . . . . . 28
Wire Report. . . . . . . . . . . . . . . . . . . . . . . . 29
Money Transfer Admin – Wire
Approval Requirements. . . . . . . . . . . . . . . .
Add Banks to Short List. . . . . . . . . . . . . . . .
Security Center
Maintain Passwords. . . . . . . . . . . . . . . . . .
Password Report. . . . . . . . . . . . . . . . . . . . .
Single Sign-On Services (SSO)
Lockbox. . . . . . . . . . . . . . . . . . . . . . . . . . . .
Positive Pay. . . . . . . . . . . . . . . . . . . . . . . . .
Stop Payment
Stop a Payment . . . . . . . . . . . . . . . . . . . . .
Stop Payment Reports . . . . . . . . . . . . . . . .
Help. . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .
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Primary Company Administrator and User Administrator Roles
Primary Company Administrator Roles
• Create new Users and User Administrators.
• P rovide Users with the universal Customer ID and Customer Password,
along with the unique User ID and User Password.
• Grant User permissions to services.
• Define initiation and approval limits for ACH, Book Transfers and Money Transfers.
• Maintain profiles, update permissions and limits as needed to control access.
• Delete User for any reason.
• Copy an existing User profile to create a new User with the same service access and limits.
• Contact Firstrust Bank to reset Customer Password if needed.
• Tokens
o Notify the Bank immediately if an employee with a token is terminated or quits.
o Request new tokens from the Bank for any new employees.
o Notify the Bank if a token is lost or damaged.
User Administrator Roles
• User Administrator Roles are defined by the Primary Company Administrator.
• A
User Administrator may or may not be given access to services, along with the
administrative functions.
• A
User Administrator may not contact Firstrust to reset the Customer Password. Only the Primary
Company Administrator is authorized to have Customer Password reset.
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FirstConnect Corporate® Internet Banking
Logging In
Logging in is easy. Just launch your web browser and go to firstrust.com. The login process is
the same for all Users and Administrators. Primary Company Administrators can not change the
Customer Password. All Users are prompted to change their initial password at first login.
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1 • Open your Internet browser and go to firstrust.com.
2 • Choose FirstConnect Corporate® Login from the Online Banking Secure Login menu and
click Go.
3 • Click on Access Accounts.
4 • Enter your Customer ID and Password, your User ID and Password, then click Login. If this is
the first time you have logged on to the system, you will be asked to select and answer Security
Questions and also to change your Password.
5 • If you forget your User Password, you can reset your password here by answering the Security
Questions first established when setting up your account.
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Security Questions
In addition to your password, FirstConnect Corporate® uses Security Questions. At initial login you
will establish Security Questions that will be used to authenticate you as a User.
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1 • Upon initial login, you’ll be prompted to set up three Security Questions. Choose each question
and enter your answer.
2 • C lick Submit to verify each question and answer.
3 • When you request a User Password reset, you will be prompted to answer one or more Security
Questions as an added layer of protection against unauthorized access. Simply fill in the answers
as you provided them, and click Submit.
4 • Enter your new password twice, then click Submit.
5 • You will receive a password change confirmation.
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FirstConnect Corporate® Internet Banking
General Navigation
Navigating the System is simplified by the drop-down menu at the top-left of your screen. Simply
select a menu item, and functions to which you have been granted access will appear as menu tabs.
Navigation may vary based on the functions to which you have been granted access.
My Dashboard - Contains up to seven (7) portals for quick access to frequently used services.
ACH - Initiate and approve ACH batches, access ACH reports.
ACH Admin - Maintain ACH templates and participants, set ACH approval permissions.
Activity - Create audit reports on User Activity.
Alerts - Receive an alert regarding your account activity and balance, when an ACH batch needs approval and even
when a money transfer has been sent.
Balance Report - View account history and same day account balances and activity.
Book Transfer - Transfer funds between eligible Firstrust accounts.
BR Quick Reports - Access high level view of account reports.
Corporate Users - Company Administrators maintain Users who have access to FirstConnect Corporate®.
Money Transfer – Wire - Initiate and approve freeform wires and wire templates, maintain wire templates and
access Money Transfer reports.
Money Transfer Admin – Wire - Set wire approval requirements.
Security Center - Maintain your passwords or change the answers to your Security Questions.
Single Sign-On Services (SSO) - Direct access to Lockbox and Positive Pay systems from
FirstConnect Corporate®.
Stop Pay - Submit stop payment request for a single check or a range of checks.
Online Help - Help is just a click away, or for assistance call 800-220-BANK during normal business hours.
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My Dashboard
The dashboard (homepage) contains up to seven (7) portals for quick access to frequently used
services, approval alerts and Administrator functions.
Financial Overview/Balance Reporting
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1 • Sort by any column for quick balance data. Click on any dollar amount to view history or current day balances.
User Administration
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2 • You can review, add, edit, delete or copy a User by clicking on any of the available links.
Book Transfer
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3 • Complete a one-time Book Transfer quickly and easily by choosing the TO and FROM accounts, entering the
dollar amount and clicking Submit.
Action Required/Approvals Pending/Most Used Services
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4 • Review Wire and ACH activity pending approval through the
Action Required section. Click on either available link to be
redirected to the Approval function. You can also access your
five most frequently used services by clicking on any available
link in the Most-Used Services Section.
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FirstConnect Corporate® Internet Banking
ACH
An Automated Clearing House (ACH) transfer is the electronic transmission of a file which contains
pertinent information to the movement of funds between accounts. An ACH transfer is commonly
used to expedite direct deposit of payroll or concentrate funds from other financial institutions. An
ACH transfer consisting of multiple transactions is referred to as a “batch”. ACH Activation and
Approval require the use of a Security Token.
ACH Batch Activation
To activate an existing ACH Batch, follow the steps below. Select ACH from the drop-down menu,
then the ACH Batch Activation tab. (To create a new Batch or Template, refer to page 15-16.)
1 • Check the box for the batches you would like
to activate.
2 • Enter the Effective Entry Date for the batch or
choose from the convenient calendar feature.
3 • View batch details or edit batch information
by selecting one of these icons.
4 • Click Activate Selected to initiate the batch.
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Note: The Initiate Batch feature lets you set up an ACH
batch and submit it for processing up to 15 days in
advance. Per NACHA rules, credits must be received by
Firstrust two (2) business days prior to settlement date.
Debits must be received one (1) business day prior to
settlement date. Files received after the cutoff time will
be processed the next business day.
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ACH Batch Approval
Approve, delete or reject pending ACH Batch(es). Select ACH from the drop-down menu, then the
ACH Batch Approval tab.
1 • Review batch details, including number of
transactions and total dollar amount, by
clicking on the details icon.
2 • Select batch and click on Approve Selected
to approve batches and submit to Firstrust
for processing.
3 • To reject a batch, click on Reject Selected.
Batch will require approval after corrections
are made.
4 • To delete the batch from daily processing,
click on the delete icon.
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ACH (continued)
ACH Report
Review on-screen report of ACH Activity, or export as a comma delimited or NACHA-formatted file.
Select ACH from the drop-down menu, then the ACH Reports tab.
1 • Choose Report Criteria including the Type of Date
and a Date Range.
2 • Select Report Characteristics such as the Status,
Group By and Sort By fields.
3 • If Exporting File, choose File Output format and
select Export.
4 • Select Submit to view the report on-screen.
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ACH Pass-Thru
With the ACH Pass-Thru feature, you can send a NACHA-Formatted file created in your own
business financial software to Firstrust for processing. This saves you time and allows large numbers
of transactions to be processed more easily. When using this feature, it is not necessary to maintain
participants, create batches or initiate batches separately within the system. Select ACH from the
drop-down menu, then the ACH Pass-Thru link.
1 • Enter file path and name, or choose Browse to locate the
file on your network.
2 • Click on Load File. NOTE: File is still pending
acceptance - file load is not complete.
3 • Select Review Pending.
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4 • Click the red arrow
to review file details,
including totals.
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FirstConnect Corporate® Internet Banking
ACH (continued)
ACH Pass-Thru
5 • Choose Accept or Delete.
6 • View Accepted files pending approval
by clicking Review Accepted.
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ACH Pass-Thru Approval
Approve pending Pass-Thru files. Select ACH from the drop-down menu, then the ACH PT
Approval tab.
1 • Click the red arrow under Review to
verify the file data.
2 • Choose the file(s) by clicking the
box(s) under Select.
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3 • Select Approve Selections to approve
the ACH Pass-Thru.
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ACH Pass-Thru Report
Access on-screen report to review Pass-Thru file status. Select ACH from the drop-down menu, then
the ACH PT Report.
1 • Enter date range, file pending
number and/or file trace # to
locate a specific file.
2 • Click on Submit to view
on-screen report.
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ACH (continued)
ACH Totals
For added security when originating a batch, Firstrust requires that all ACH Files be confirmed.
You can send required file criteria to Firstrust using the ACH Totals service. Select ACH from the
drop-down menu, then the ACH Totals tab.
1 • Enter all required data in red.
2 • Click Submit to send data to Firstrust.
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OR, you can send confirmation via email to [email protected]. Include the total amount of the file, number of
transactions, effective date, contact name and contact number. Failure to confirm ACH Totals may result in delayed file
processing. Files not processed in a timely fashion may not reach recipients on the intended settlement date. ACH files
received after the cutoff time will be processed the next business day.
Important: Email outside of FirstConnect Corporate® is not secure; you should not include confidential information.
ACH Exception Report
Review daily for notice of recurring ACH Batch failures or Pass-Thru File failures. Select ACH from the
drop-down menu, then the Exception Report tab.
1 • Choose a batch from available list.
2 • Select the report criteria, such as the Type of
Date, Date Range and Exception Reasons and
the Characteristics.
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Note: If utilizing recurring batches or Pass-Thru files,
the exception report should be reviewed daily. Failed
batches or files must be re-processed after corrections
are made.
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3 • Click on Submit to view on-screen report.
FirstConnect Corporate® Internet Banking
ACH Admin
Create and Maintain ACH Templates/Batches
With FirstConnect Corporate®, you can create and maintain ACH Templates and ACH Batches
quickly and easily. Select ACH Admin from the drop-down menu, then the Batches tab.
1 • Select Add a Batch.
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2 • Enter required information. Items in red are required.
3 • New batches default to Prenote status. Uncheck if
creating a live transaction.
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4 • Next, select Add a Batch.
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5 • From the Batch tab, click on the Entries icon.
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Comprehensive Guide
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ACH Admin (continued)
Create and Maintain ACH Templates/Batches
6 • Enter required participant (recipient) information and
click on Add Entry To Batch.
7 • Continue adding participants as needed.
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8 • When all participants have been added, click on Update Batch.
9 • Batches may also be edited, copied or deleted.
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Update ACH Participants
You can update ACH Participants in just a few easy steps. Select ACH Admin from the drop-down
menu, then the Participants tab.
1 • Select the ACH company.
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2 • Select the Participant.
3 • Enter the changes for the Participant.
4 • Click Submit Changes to save.
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FirstConnect Corporate® Internet Banking
ACH Admin (continued)
Batch Template Approval
FirstConnect Corporate® provides all the information you need to make informed approval
decisions from one convenient screen. Select ACH Admin from the drop-down menu, then the
Batch Template Approval tab.
1 • Select the box next to batch name to
approve a batch.
2 • To view the details of a particular batch,
click this icon.
3 • Click on Approve Selected to approve
the batch.
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ACH Permissions
Set the limits and transaction types an ACH User can access by using the ACH Permissions feature.
Select ACH Admin from the drop-down menu, then the Permissions tab.
1 • Select a User from the list.
2 • Click on User Overall Limits to edit ACH
initiation limits.
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3 • Enter the limits and click Submit.
4 • You can also click on Customer ACH limits to
edit Template approval defaults.
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Comprehensive Guide
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ACH Admin (continued)
ACH Permissions
5 • Choose Template Approval
option from the drop-down
list and click Submit.
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6 • Click on Transaction Types to edit User’s ACH
Transaction Code Permissions.
7 • Select Available Transaction Type and using
arrows, move to the Assigned Transaction
Type window.
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Activity
Audit Report
Through FirstConnect Corporate®, you can create an Audit Report of User Activity. Activity
information is available for 60-days. Select Activity from the drop-down menu, then the Audit
Report tab.
1 • Select the User. (You can select more than
one User at a time.)
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FirstConnect Corporate® Internet Banking
2 • Choose the Services which you would like
to audit.
3 • Enter the Date Range and Time.
4 • Click Submit to view the report online or Export
to download the Audit log.
Alerts
It’s easy to set up alerts to notify you when your accounts meet specified conditions. Create Alerts
to track your balance or to remind you of a low balance or to inform you when a large transaction
has posted to your account. You will first need to create a Contact Point before you can set up your
alert. Select Alerts from the drop-down menu, then the Alerts tab.
1 • Select the time zone from the drop-down
menu, then enter your contact information,
such as your work or mobile phone and
email address.
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2 • If desired, select an additional contact point,
then click Update Changes.
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3 • Select Set Up Alerts and click Add New Alerts.
4 • Select the type of Alert to be configured.
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5 • Enter the Alert Name, then select the account
number from the list.
6 • Select additional Alert criteria (varies by type
of alert and delivery options).
7 • Click Save to complete.
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Note: Your wireless provider may assess a fee for
transmitting an Alert.
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Balance Report
Previous Day
View account history and check images for 90 days. Data can be exported in a variety of formats.
Select Balance Report from the drop-down menu, then click the Previous Day tab.
1 • Select a previously saved report to run a
Favorite Report. (To create a new Favorite
Report, see page 21-22.)
2 • To run a new report, select the account
number(s) to include in the report.
3 • Select the Balance and Transaction type to
include in the report.
4 • Enter a Date Range or select a date from the
calendar feature.
5 • To export to Quicken® or QuickBooks®, select
the file format in the File Output drop-down
menu, then click Export.
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6 • To view the on-screen report, click Submit.
7 • To Edit report style, click on Preferences.
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Note: To view an image of a check, simply click on the check number on the
account history display screen.
Same Day Real Time
View real time account balances by creating a same day report. Select Balance Report from the
drop-down menu, then click the Same Day Real Time tab.
1 • Select the Account Number and Balance Type.
2 • To export to Quicken® or QuickBooks®, select the
file format in the File Output drop-down menu,
then click Export.
3 • To view the on-screen report, click Submit.
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FirstConnect Corporate® Internet Banking
Balance Report (continued)
MultiDay
You can view or download a pre-formatted report over a range of dates with the MultiDay report
feature. Select Balance Report from the drop-down menu, then click the MultiDay tab.
1 • Select the Account Number.
2 • Enter a Date Range or select a date from the
calendar feature.
3 • To export to Quicken® or QuickBooks®, select the
file format in the File Output drop-down menu,
then click Export.
4 • To view the on-screen report, click Submit.
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Transaction Download
Download transactions quickly and easily into Quicken®, QuickBooks® and Microsoft Money® by using
the Transaction Download feature. Select Balance Report from the drop-down menu, then click the
Transaction Download tab.
1 • Select the Account Number.
2 • Enter a Date Range or select a date from the
calendar feature.
3 • To export to Quicken®, QuickBooks®, or
Microsoft Money®, select one of these icons.
1
2
3
Favorite Reports
Create a report format for frequently used reports. Once a format is established, it can be made
available to other Users and run at any time in Previous Day reports. Select Balance Report from the
drop-down menu, then click the Favorite Reports tab.
1 • Click Add a Report.
1
Comprehensive Guide
21
Balance Report (continued)
Favorite Reports
2 • Enter the Report Name and Description.
3 • Select a Date Range, Preferences, Output Type
and Content.
4 • Choose whether the report will be available for all
Users or only the Creator.
2
3
5 • Click Save.
5
4
6 • To run the report, go to Previous Day in
the Balance Report menu and choose
the report from the Favorite Reports
drop-down menu.
6
BR Quick Reports
Access a summary of key account information that can be exported in various formats with the
BR Quick Reports feature. Select BR Quick Reports from the drop-down menu, then click the Prev
Day Report tab.
1 • Click on the red arrow to view
more details about a report.
1
22
FirstConnect Corporate® Internet Banking
Book Transfer
The Book Transfer feature allows you to move funds between your accounts at Firstrust online, saving
trips to the bank and making cash transfers quick and easy. Also, the security features will give you
complete control over User access. Select Book Transfer from the drop-down menu, then click the
Book Input tab.
1 • Choose the account to transfer funds FROM.
2 • Select the account to transfer funds TO.
3 • Enter the Amount and the Processing Date, or
select from the convenient calendar feature.
1
4 • Click Submit to process the funds transfer.
2
3
5 • Select Perform Multiple Entry Transactions to enter
more than one book transfer or create a Book
transfer Template.
4
5
6 • To create Template, select Add Transaction as Template.
7 • Click the box to select a template.
8 • Choose Save Selected as Template or Submit Selected
Template to complete.
6
7
8
Comprehensive Guide
23
Corporate Users
Managing Users
The Corporate Users service is used by the Primary Company Administrator to add, edit or delete
Users, or to reset User Passwords. The Customer ID and Password (the first two fields to enter
information on the login page) are defined by Firstrust and are universal for all the Users at your
company. When a Primary Company Administrator adds a new User, they provide the new User with
the User ID and Password they set up in addition to the universal Customer ID and Password. Select
Corporate Users from the drop-down menu, then the User Admin link.
1 • A list of Users with access to
FirstConnect Corporate®
will display here.
2 • Control the access of a User through the
Services, Permissions and Limits links.
4
1
2
3
3 • Delete a User or Copy a current User’s
permissions to create a New User by
selecting one of these links.
4 • Select Add User to enter a new User into
FirstConnect Corporate®.
Set Up Users
FirstConnect Corporate® Users can be set up with different levels of authorization. This will allow
you more control over the various types of online transactions that can be performed by individuals
within your business. The Corporate Users service is also used to change, delete or display a User.
Select Corporate Users from the drop-down menu, then the User Admin link.
1 • Enter required User Information in red, including a unique
User Code and Password. User ID can be alpha-numeric,
with a maximum of 12 characters. Password must be
8-16 characters and include 1 upper case, 1 lower case, 1
number and 1 special character.
2 • Select User Type.
Admin Type – Assigns administrative rights to the User
while allowing a choice of Dashboard Style.
User Type – Restricts rights to Non-administrative
only and defaults the Dashboard Style to Permission
Driven only.
3 • Select Dashboard Style.
Admin Dashboard – Allows the User access to
Administrator functions via Dashboard. Access to specific
services must still be assigned.
Permission Driven Dashboard – Limits access on
dashboard to Non-administrator functions. Select services
or groups of services to allow access.
4 • Select Services by clicking in the box next to the Service.
5 • Scroll to the bottom of the page and click Next to continue.
24
FirstConnect Corporate® Internet Banking
1
3
4
2
5
Corporate Users (continued)
Grant Permissions
This tab allows an Administrator to assign specific accounts, services, and ACH Companies to a
User. User identities and permissions for authorization often change as a result of the continuously
incoming projects and personnel changes within the organization. Specific accounts or transaction
limits can be assigned to each User as needed. Permissions define what data can be accessed by the
User within an application, and what operations can performed. Select Corporate Users from the
drop-down menu, then the User Admin link.
1 • Choose Service(s) to which the User will
have access.
2 • Select ACH Transaction Types allowed for
User for each ACH Company listed.
3 • Click Submit to complete.
1
2
3
User Limits
Assign User Limits to specific accounts for Book Transfers and Wire Transfers, and ACH transaction
types. Select Corporate Users from the drop-down menu, then the User Admin link.
1 • Enter dollar limits for Maintenance, Activation
and Approval on Transaction and Batch
levels for each ACH Transaction Type. The
ACH limits apply to all accounts assigned
to ACH Services.*
2 • Set limits for each available account for
Book Transfer Services. Each account may
be designated a TO only, a FROM only or
a TO / FROM account.
3 • Assign the Wire Transfer Transaction Level
limits and Daily Limits for each account
assigned to User.
1
2
4
3
5
4 • A zero value in any field will prevent the
User from accessing that level of service.
5 • Select Submit to complete.
* Up to pre-established company limits.
Comprehensive Guide
25
Money Transfer – Wire
Initiate Template or Freeform Wire
The Money Transfer service allows you to move funds from one financial institution to another.
Transfers can be scheduled for the current day or up to 15 days in the future. Wires received after
the cutoff time will be processed the next business day. Pending transfers can be reviewed or
deleted anytime prior to processing. Select Money Transfer from the drop-down menu, then click the
Wire Input tab. The Initiation and Approval of Money Transfers require the use of a Security Token.
1 • Select the Template from the Available
Templates box, or to create a Freeform Wire,
select the account to be debited from the
Available Accounts box.
1
2 • To Initiate a Freeform Wire, enter the required Account and
Beneficiary Bank information. Select Submit to continue.
2
3
4
3 • For a Template or Freeform Wire, enter the Amount and Send
Date, and any additional information as needed.
4 • Select Submit to complete the transfer.
4
26
FirstConnect Corporate® Internet Banking
Money Transfer – Wire (continued)
Approve Initiated Wire
The Wire Approval feature displays all wires pending approval. Authorized Users can approve, delete
or edit pending wire transfers. Wire requests must be received by our cutoff time for same day
processing. Select Money Transfer from the drop-down menu, then click the Wire Approval tab.
1 • Either Approve or Deny a pending item by
selecting the box.
1
2
2 • Click the arrow under Edit to make changes to
the Wire Transfer.
3 • Choose Submit Selections to complete.
3
Set Up Wire Templates
Use the Money Transfer feature to create Wire Templates for wires performed on a regular basis. The
system is designed to store these templates, saving you time by defining them once and reusing them
later. Select Money Transfer from the drop-down menu, then click the Wire Templates tab.
1 • Enter the unique Template Code and
Name, then click Add.
2 • Select the Debit Account then click
Continue. Choose Domestic Wire,
then click Continue.
1
3
2
3 • Enter the Beneficiary information in the fields provided. Items
highlighted in red are required.
4 • Click Submit. The new Template is stored using the name in
the Template field.
4
Comprehensive Guide
27
Money Transfer – Wire (continued)
Approve Wire Templates
If required, a newly created Template can be approved by an authorized User before use. Select
Money Transfer from the drop-down menu, then the Template Approval tab.
1 • Enter the Template Code or Name, then click
Find / Refresh, OR select the Template Name
from the list.
1
2 • Click on Select.
3 • Review Template information and click
on Approve.
2
Create Template Group
Create a group of Wire Templates that can be initiated together for convenience. Select Money
Transfer from the drop-down menu, then the Template Group tab.
1 • Enter a name for the Template Group.
2 • Click Add to continue.
1
2
3 • Highlight Template to add to group from the
Available Templates Box.
4 • Use the right pointing arrow to move the
Template to the Selected Templates Box.
3
4
5 • Click Add. Initiate group by using the Multiple
Entry function.
5
Initiate Multiple Wires
Submit several Wire Templates or Wire Template Groups from one screen. Select Money Transfer
from the drop-down menu, then the Multiple Entry tab.
1 • Select Templates from Available Templates
Box or select a group of Templates from the
Available Groups box.
2 • Click Input Wires to complete.
1
2
28
FirstConnect Corporate® Internet Banking
Money Transfer – Wire (continued)
Wire Report
With FirstConnect Corporate®, you can view an on-screen version of the Wire Transfer report.
Select Money Transfer from the drop-down menu, then the Wire Report tab.
1 • Select Accounts and the Fedwire payment type.
2 • Set Date Range and additional query criteria
if needed.
3 • Choose Report Characteristics.
4 • Click Submit to view on-screen report.
1
3
2
5
4
5 • Click on the Details icon to view wire detail.
Money Transfer Admin – Wire
Approval Requirements
The Company Administrator can set additional approval requirements for wires at the account level.
Account limits cannot be set for a dollar amount that is higher than the Firstrust defined limits. Select
MT Admin from the drop-down menu, then the Approval Reqs tab.
1 • Select All Accounts or specific
account from the list.
1
2
2 • Uncheck the box if the setting does NOT apply to all accounts.
4
3 • Select the Number of approvers from the drop-down menu for
Repetitive Template and Freeform Wires.
4 • Select Dynamic to create tiered wire levels with different
approval requirements.
3
7
6
5 • For Dynamic limits, enter the dollar ranges for the number
of approvers in the pop-up box and click Update.
6 • Select the number of approvers for new Wire Templates.
5
7 • Select Submit to complete.
Comprehensive Guide
29
Money Transfer Admin – Wire (continued)
Add Banks to Short List
Add frequently used Banks to this list for quick access when Initiating Wires and Wire Templates.
Select MT Admin from the drop-down menu, then the Bank Short List tab.
1 • Select Bank from available Banks list.
2 • Click Add to complete.
1
2
Security Center
Maintain Passwords
If you need to change passwords for your FirstConnect Corporate® account, go to the Security
Center. You will need to answer the three Security Questions that you selected when you first
logged into FirstConnect Corporate®. Select Security Center from the drop-down menu, then click
the Maintain Password tab.
1 • Answer the three
Security Questions,
then click Submit.
1
3
2
2 • Enter your Current
Password, then your New
Password. Re-type your
New Password to confirm.
3 • Click Submit to save your
Password information.
Password Report
Administrator can access this report to review User Login report. Select Security Center from the
drop-down menu, then click the Password Report tab.
1 • Select User(s) and click
Run Enrollment Report to
view on-screen.
1
30
FirstConnect Corporate® Internet Banking
Single Sign-On Services (SSO)
Lockbox
With same-day online access to FirstConnect Corporate®, your remittance information is right
at your fingers. Through SSO Services, you can view, print, export and even download your check
and stub images right from your desktop. Select SSO from the drop-down menu, then click the
CMS Lockbox tab.
1 • Click Login to AccessPlus to access
lockbox deposits.
Note: When adding SSO functionality for
Lockbox, the Primary Company Administrator
must first confirm with the Bank that the User
has been set up on the application as a User by
calling 800-220-BANK.
1
Positive Pay
The Positive Pay feature allows you to compare checks presented for payment against an electronic
check issue file to identify potentially fraudulent items. You can enter your issue records directly into
the Positive Pay system or upload an issue file. Checks are presented for payment against the Positive
Pay issue file and exceptions are available for decisioning between 12:00 noon and 2:00 pm daily.
1
1 • Choose SSO Services from the
drop-down menu.
2
2 • Click on the Positive Pay tab.
3 • Click on Login to Positive Pay.
Note: When adding SSO functionality for Positive Pay,
the Primary Company Administrator must first confirm
with the Bank that the User has been set up on the
application as a User by calling 800-220-BANK.
3
Stop Payment
Stop a Payment
You can request a Stop Payment on a single check or a range of checks. Stop Payment requests
received between 8 am - 5 pm will be processed the same business day. Select Stop Pay from the
drop-down menu, then click the Stop Payment tab.
1 • Enter the Number and the Name on the account,
then click Find / Refresh. Your results will appear
in the box below.
1
2 • From the drop-down menu, select Stop.
3 • Enter a single check and the Amount, then click
Submit to complete the Stop Payment request.
2
3
Comprehensive Guide
31
Stop Payment (continued)
Stop Payment Reports
With FirstConnect Corporate®, you have the capability to create a report of your current and past
Stop Payment requests. Simply select Stop Pay from the drop-down menu, then click the Stop Pay
Reports tab.
1 • Enter the Number and the Name on the
account, then click Find/Refresh. Your
results will appear in the box below.
1
2 • Select the search parameters including
the Date, Check Number, Trace Number
and Type.
3 • Choose the Style and the Sort method
you would like the report to display.
4 • Click Submit to view the report.
2
3
4
32
FirstConnect Corporate® Internet Banking
Help
As you navigate the system and become familiar with the features, please know that assistance is
available 24 hours a day, 7 days a week with the online Help feature. When you click the Help link in
the upper-right hand corner the Help window will appear. Help will be specific to the current function
on your screen. Select Help from the upper-right navigation bar.
1
1 • The Help topics will be specific to the current function on your screen.
Comprehensive Guide
33
CORPORATE
®
Internet Banking
Customer Care Center Representatives are available
to answer your questions by calling:
800-220-BANK
Monday – Friday 8 am – 6 pm
Saturday 9 am – 1 pm
(Excluding Bank Holidays)
Member FDIC
#MK-114
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