Businessolbtutorial

South Valley Bank & Trust
Page 1 of 71
Business Online Banking Tutorial
Path: Balances or Balance Reporting

BALANCES Screen
*This will be the screen you see
when you first sign into Online
Banking. It will summarize all of the
accounts to which you have online
access and show the balance in
each. From this screen you can go
to specific accounts for details or use
the left toolbar to go to other
functions of Online Banking.
Online Banking tool bar - this

will let you choose functions
such as ACH, Wire Transfers,
Transactions, Bill Pay, etc.
Click here to view a

statement for an account
You can click any account

to view the transaction
details of that account
(See page 2).
Click the yellow folder next to

any account to expand the
account in the same page and
see additional balance
information.
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TRANSACTIONS Screen - Account Detail Path: Balance Reporting, Transactions
*When you click an account from the

previous screen, you will be taken
here. This is also known as the
Transactions screen. For most
accounts you will see the current
account activity and recent
transactions. You can also get to the
transactions screen by clicking
Transactions on the left toolbar.
You may issue a Stop Payment

by clicking here (See page 3).
Unselect this box if you do not

want to Show Pending Activity in
the account detail. (Such as
upcoming wire transfers.)
Use this drop down menu to
change the Account that you are
viewing detail for. Select an
account then hit "update".
You may conduct more specific
transaction Research by clicking
here (See page 4).
If you have initiated future Internet
transactions they are considered
"pending". You can include
Pending Activity in this register by
extending the number of days
displayed here.
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Path: Balance Reporting, Transactions, Stop Payment

STOP PAYMENTS Screen
*You can get to the New Stop
Payments screen by clicking
stop payments from the
Transactions screen.
If the Account you wish to issue a

stop payment for doesn't
automatically come up, Select it
from this drop down menu.
Enter the Check Detail for a

single stop payment request
here. (Starting and ending
check number, date, amount,
payee, and reason for stop
payment.)
Enter the Check Details for a

multiple check request here.
*To Cancel a Stop Payment

please contact the bank.
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Path: Balance Reporting, Transactions, Research

RESEARCH Screen
*You can get to the Research

screen by clicking research from
the Transactions screen. This
screen allows you to find a
specific transaction and view it
online.
Choose the Account you wish to

search using this drop down menu.
Select the Description
you would like to sort or
Choose the type of Transactions select "all descriptions".
you wish to search from this drop
down menu (posted transactions,
pending transactions, or both).
Choose the Date Range you

wish to search here.
For Checks & Withdrawals,

enter the dollar amount range
and/or check number here.
For Deposits & Credits, enter

the dollar amount range here.
Choose how you want the

Sort Results By here. This
is how your range will sort.
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Path: Balance Reporting, Transfer Funds

TRANSFER FUNDS Screen
or
*When you select Transfer Path: Balance Reporting, Transfer Funds, Add Transfer
Funds from the left toolbar,
you'll be taken to this page. If
you have transfers scheduled
to take place in the future you
will see the screen on page 6.
Select the Accounts you wish to

transfer from and into here.
For Loan Transfers, select whether
this is a regular payment or if you
want the payment applied to principal
only. Note: If you have not been
Select When for the date you
billed for your loan payment, the
would like the transfer to occur.
regular payment option will put all
monies to principal also.
Use this drop down menu to specify

whether the transfer is one-time or
recurring.
If you would like this Transfer to

continue on a schedule until you
delete it, enter "999" here.
When you've completed all the

requested information, click the
Continue button. You will be
asked to confirm the transfer
request on the subsequent page.
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Path: Balance Reporting, Transfer Funds (This will appear when there are already pending transfers)
TRANSFER FUNDS Screen - 2
*This will be the first Transfer
Funds screen you see when there
are transfers pending.
To Add a new Transfer select

this button and follow the
instructions on page 5.
Click here to Delete a future

Transfer that has been scheduled.
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REPORTS Screen Path: Balance Reporting, Reports
*The Reports screen on the

left toolbar gives you a list of
reports you can create, view,
print, or export.
Click the report icon next to the

report you wish to view or print.
Go to next page.
File Export will export a file if you

click here. See Page 9.
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Path: Balance Reporting, Reports, Reports Icon

REPORTS Screen - 2
*After you select a report you
will go to this screen.
Select the Account you wish to

run the report for.
To print the report after it has

been created, use the
Printable button.
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Path: Balance Reporting, Reports, Reports Icon next to "File Export"

REPORTS Screen - Export Report
*Select the File Format you would
like to export.
Note: Use the Comma

Select the Account for which Separated Value (.CSV) file
you are exporting information. format to create a worksheet in
Excel or for import into other
accounting software. The export
Select the Category you file name will be History.csv. File
would like to export. layout is: Account Number,
Posting Date, Amount, Category
Select a Preset Date Range or Number, Category Name,
customize a date range by Reference Number, Memo,
using the Custom Date Range Description, Code, Identifier, and
to export. Location Code.
Under Options, select whether or

not you would like to mark the
transactions as cleared or
whether or not you would like to
see the reference number for
schedule payments.
When you click the Export

Transactions screen you will be
presented with a windows file
download pop up screen where
you can select where you would
like to save the export file.
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ACCOUNTS Screen - (Administration) Path: Administration, Accounts
*Choose Administration from the

main toolbar to get to this page.
From this page you can add and
delete accounts from online
banking as well as perform
Company Setup (page 13) and
User Setup (page 15).
Click here to Add an Account to

online banking (See page 11).
Click here to Edit the account in

Online Banking
(See page 12).
Click here to Delete the

account from Online
Banking.
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Path: Administration, Accounts, Add Account

ADD AN ACCOUNT
*When you click the Add
Account button from the top
of the Accounts page, you will
be presented with this page.
Select the Company you will

be adding an account to.
Enter the Account Number

here.
Name the Account here.
Specify the Account Type

here. (For example,Checking,
Savings, Money Market, Loan,
or Overdraft Protection.)
Click Continue to confirm

your request.
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ACCOUNTS Edit Screen Path: Administration, Accounts, Edit icon next to account
*When you select the Edit icon

from the accounts screen you
will be taken to this page. Here
you can edit the account
information and transfer limits.
Change the Account

Name here.
Assign the account to a
different Company if you use
subsidiaries.
Select whether Transfers will
be Allowed to be made to or
from this account with other
SVBT accounts. You can select
only to, only from or both. Also,
set dollar limits and maximum
number of transfers per day
here.
Select the Maximum Single
Wire here. This is the highest
dollar amount for single wires,
the maximum dollar amount that
may be wired in one day, and the
maximum number of wires in one
day.
*Note: If you do not set wire
limits on an account, it cannot be
used as an ordering account
through the Wire Transfers.
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COMPANY SETUP Screen Path: Administration, Company Setup
*You can get to this page by going

first to the Administration page
then selecting Company Setup on
the left side. Use this page to
dictate ACH and Wire Transfer
limits for specific accounts.
First, select the Company and hit

update. This drop down box only
appears if you have subsidiaries
associated with your sign on.
If this box is checked, each time

you create a new PPD entry for an
ACH, a prenote will be
automatically generated and
released for processing. (A prenote
is a zero dollar file used to verify
customer information and sent prior
to a file with dollars in it. It reduces
rejected items from inaccurate
customer information.) It is
recommended that this feature
be turned on.
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Path: Administration, Company Setup

COMPANY SETUP Screen - 2
*Enter the Maximum
Deposit/Withdrawal
Transactions and Batches which
is the maximum dollar amount for
your ACH transactions here.
Specify the Number of approvals

required for each type of ACH.
PPD Batches - Stands for

Prearranged Payment and Deposit
Entry and this is for ACHs to/from
personal accounts.
CCD Batches - Stands for Cash

Concentration or Disbursement
Entry and this is for ACHs to/from
corporate accounts.
Specify the Number of approvals

required for each wire.
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USER SETUP Screen Path: Administration, User Setup
*You can get to this page by going

first to the Administration page
then selecting User Setup. Use
this page to dictate access levels
for various users.
Click here to Add a User (See

page 16).
Click here to Edit an existing

User.
Click here to Disable an

existing User. (This will not
delete a user.)
To Delete a User: Select the

edit icon to the left of the user
you wish to delete. On the user
profile page, select the delete
button at the bottom of the page
and confirm.
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Path: Administration, User Setup, Add User

USER SETUP Screen - 2
Have the user choose a Sign-

On ID.
Disable User is for any user,

check this box to turn off their
online access without
deleting them.
If a user has been locked out
due to Failed Logins, check
this box and update the user to
Reset them. You must also
choose a new password that
the system will require the
user to change the next time
they log in.
Everything under the User
Information refers to the
rights granted to each user.
Administrative Rights will
grant rights to the user to
Manage Accounts, Manage
Users, Manage Company,
or manage Reports. Please
see page 17 for a discussion
of these rights.
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USER SETUP Screen - Discussion of Rights
ADMINISTRATIVE RIGHTS
Manage Accounts - Gives the user access to the Accounts function in the Administration module. Manage Users - Gives the user access to the User Setup
function in the Administration module (Recommend that you reserve this functionality for only high level employees or owners). Manage Company – Gives the
user access to the Company Setup function in the Administration module. Reports – Gives the user access to the Reports in the Administration module.
BALANCE REPORTING
View – Allows the user to see balance and transaction information for the account. Stops – Allows the user to place Stop Payment requests on the account.
Transfer – Allows the user to create Transfers from the account to another account within the bank.
ACH
Setup Templates – Gives the user the ability to Add, Edit, and Delete ACH Batch Templates. Normal and Sensitive Batch Rights drop down selections (assigned
below) determine what the user can change if they are allowed to Setup Templates. Add Batches – Gives the user the right to add batches based on templates
(a.k.a., turn a template into a batch). Edit Batches – Gives the user the right to edit batch information and entries based on the Normal and Sensitive Batch Rights
assigned below. Release Batches – Gives the user the right to release Approved batches for processing. First Approval – Allows the user to provide first
approval to batches up to limit specified. Second Approval – Allows the user to provide the second approval (if required) up to the limit specified. Normal Batch
Rights: No Change Rights – User cannot edit transactions in a Batch or Template. However, if they have Edit Batches or Setup Templates and "No Change
Rights" are assigned the user can edit the Batch Information (batch name, type, etc.) but not Transaction Information. Change Amounts Only – User can only
change values in the Amount column in the Transaction grid. Change Everything Except Account Information – User can change all values the Transactions grid
except Account Number and Routing Number. Change Everything – User can change all values in the Transactions grid. Sensitive Batch Rights: No Rights –
User cannot access, see reports on, or see a batch that has been labeled as Sensitive. Change Amounts Only – User can only change values in the Amount
column in the Transactions grid. Change Everything Except Account Information – User can change all values except the Account Number and Routing Number in
the Transactions grid. Change Everything – User can change all values in the Transactions grid.
WIRE
Setup Templates – Gives the user rights to Add, Edit, and Delete Wire Templates. Add Wires – Gives the user the right to add wires based on Wire Templates.
Edit Wires – Gives the user the right to edit wires. Release – Gives the user the right to release Approved wires for processing. Approve Wire Templates – Gives
the user the right to approve the addition of new Wire Templates or the editing of existing Wire Templates (this field will not be displayed if approvals are not
required on Wire Templates). First Approval – Allows the user to provide the first approval on Wires up to the limit specified. Second Approval – Allows the user
to provide the second approval (if required) on wires up to the limit specified.
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Path: Administration, Reports

ADMINISTRATION REPORTS
*If you are on an Administration Screen
and select Reports, you will be presented
with this screen. Here you can get various
reports on user activity.
Select the icon next to the report name to

see that report.
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Path: Administration, Reports, Icon next to report

ADMINISTRATION REPORTS
Sample of an Administration report.
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ACH - GETTING STARTED

Before you can use the ACH module you must set up the system.
1. View your offset limits associated with any account that has been assigned to create ACH generated offsets in Administration, Accounts
(page 10). (Note: If you do not see Offset Limits, the Account may not be set up as an Offset Account or you are not authorized to use
Generated Offsets).
2. Under Administration, Company Setup (page 13), Set the maximum transaction and batch limits, and the number of
approvals required for each batch type. You may also have the system automatically generate prenotes. Prenotes are zero
dollar files that are used to verify customer information. This feature is recommended.
3. Each user must be set up with Administrative ACH rights on the User Setup screen (page 15).
When the ACH module has been set up, use the following steps to submit ACH batches for process through the ACH network:
1. Create a Template.
2. Turn the Template into a Batch.
3. Edit the Batch to include information not included in the original Template.
4. Approve and Release the Batch for processing through the ACH Network.
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ACH - CREATE A TEMPLATE Path: ACH, Batch Templates, Add Batch Template
1 - From the left tool bar, click on ACH. Then, also on the
left tool bar click on Batch Templates. You should be on
the ACH Templates page. At the top of the page, click Add
Batch Template. You should see this screen.
2 - Template Name. This will be used as the batch name

each time you use the template to create a batch.
3 - Enter the Template Description. This is for your internal

use only.
4 - Select the Company name is available only if you are

generating ACHs for more than one company.
5 - Select the Batch Type. You will only see the batch types
for which you have authorization. For a definition of various
batch types, see page 33.
6 - Assign Batch Security - Normal batches require no

additional security and are available to anyone with ACH Note: For special instructions
rights. Sensitive batches are only available to those with regarding tax or child support batch
those rights. (Change these rights on the User Setup templates, see Pages 64, 66, & 69.
Screen.)
7 - Select Continue.
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ACH - CREATE A TEMPLATE - 2 Path: ACH, Batch Templates, Add Batch Template (input information), Continue
8 - After you select continue on the previous screen,

you will be taken to the ACH Templates screen.
Here you can enter the information for accounts to
be deposited to or withdrawn from on a regular
basis. Enter the name, ID, deposit or withdrawal
amount, account number, routing number, account
type, and select prenotes if you would like a prenote
sent to confirm account information. Note: This
page is for accounts that you will regularly be
depositing to or withdrawing from. It is for
convenience and can be edited before a batch is
sent.
9 - For one time ACH deposits or withdrawals,

you may want to save an empty transaction template
so that you can add single ACHs easily when they
occur.
10 - After you have entered all the account

information in the template, select Save.
11 - If you require more space select More Entries.
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Path: ACH, Batch Templates

ACH - EDIT A TEMPLATE or
Path: ACH, Batch Templates , Add Batch Template (input information), Continue (input information), Save
12 - After you save a Template, you will be
taken back to the ACH Templates screen
where you should see that template listed with
any other templates you have saved. To Edit
the Template information, click here.
13 - To Edit the Account information in the

Template, click here.
14 - To Delete a Template, click here.
15 - To Copy a Template, click here.
16 - When you are ready to Add a Batch to a

Template, click this button.
*If you wish to delete more than one batch at a

time, select the check box next to all the
batches you would like to delete then select the
Delete button at the bottom of the page.
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Path: ACH, Batch Templates, Adds Batch Icon

ACH - NEW BATCH
17 - When you create a batch from a template you

will be taken to the New ACH Batch screen.
Select the Effective Date of the batch.
18 - Also, select if you would like to send Zero

Dollar Transactions. This option will only appear
for CCD batch types. It does not create zero dollar
transactions, the transaction must be presented
with a "0" in the amount field within the Template.
You might use this feature if you are dealing with a
new vendor and want to verify account
information.
19 - Select to Approve or Approve and Release

the batch. If you do not have approval rights, the
batch will be added to the Active Batches grid with
a status of "Unapproved". Keep in mind that you
cannot edit a Batch with the status of Released.
Make sure that all changes have been made to
the batch before you Approve and Release the
batch.
20 - When you click Continue you should

automatically be taken to the ACH Manager
Screen. If you are taken back to the ACH
Templates screen, to see the batch you just
created, select Batch Manager from the left
toolbar. Note: Once a batch is Released fax to
the ACH Processing Dept. the transactions
template to 1-541-880-5241 or e-mail to
dg-ach@southvalleybank.com.
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Path: ACH, Batch Manager

ACH MANAGER
21 - You can see all of your batches on the
ACH or Batch Manager Screen. See below
for definitions of the Batch Status of each
batch. To take action on a batch, select this
box, and click an action button from the
bottom of the screen (Approve, Release,
Unapproved, or Delete). When you Release
a batch it will be released for processing.
22 - If you need to Add Transactions or

make changes to an existing transaction in a
batch, click here. You will be presented with
the ACH batch transactions grid (page 22)
where you can make changes to or add
transactions.
23 - You can Edit the batch information or

Delete a batch by click these buttons.
STATUS
Unapproved – The batch has not been approved for processing. You can still edit and delete the batch when the status is Unapproved. Part Approved – If you
have more than one approval required for a batch, the first approval has taken place when the status is Part Approved. Approved – All approvals have taken place
and the batch is waiting to be released for processing. Released – The batch has been released for processing. You can no longer edit the batch once it has
reached Released status. Contact the ACH processing department before 2:00 pm at 1-541-880-5286 if you need to retrieve the Released batch – they will
reject the batch. Rejected – The batch has been rejected by the ACH processing department without being processed. Processing – A portion of the batch has
been downloaded for processing. ACH guidelines allow deposit and withdrawal transactions to be submitted for processing on different schedules. This means that
transactions within a single batch are processed over two business days. Processed – When all of the transactions in the batch have been downloaded and sent
through the ACH network, the status will change to Processed and the batch will no longer display on the ACH Manager, Active Batches grid. Confirmed Reject –
When a batch is rejected by the ACH processing department, you must confirm and acknowledge the rejected batch. Once a rejected batch is confirmed, the
batch will be removed from the ACH Manager, Active Batches grid.
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ACH - APPROVE & RELEASE
*When a batch has been created, you can approve
and release batches from the ACH Manager or
Batch Manager screens. To approve, release,
unapproved, or delete a batch - click the box next to
the batch and select the action to be taken from the
bottom of the screen.
NOTE: A batch is not sent to the bank until it has

been Released.
Note: Once a batch is Released fax to the ACH

Processing Dept. the transactions template to 1-
541-880-5241 or e-mail to
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ACH MANAGER Path: ACH, Batch Manager, Add Batches

*When you have created batches, you
may add a batch by selecting Batch
Manager from the left toolbar, then
clicking Add Batches from the top of that
page. You will be taken to this screen
where you can add a batch using any
template you have created. (Notice that
the send zero dollar option is available
only for the test template because this is
the only template for CCD batch type is
this example.)
When you enter an Effective Date for a

batch from this screen and click continue,
you will be taken back to the Batch
Manager Screen. This screen is
explained on page 26.
You may also take action on all the

templates by selecting the options at the
top of the screen above the templates
grid.
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ACH - IMPORT TRANSACTIONS Path: ACH, Batch Manager, Import Transactions
*Another way to populate an existing Batch Template is by importing a

text file containing the transaction information. You can get to this
page by selecting Import Transactions from the top of the ACH
Manager page.
The file must be a comma separated value file (a Microsoft Excel

spreadsheet saved as a Comma Separated Value file (.csv) works
well). Do not include column headings in the file. The fields in the file
must be in the following order:
1 - Name (22 characters maximum)

2 - Account Number (17 characters maximum)
3 - Routing or Transit Number (always 9 characters)
4 - ID (15 characters maximum)
5 - Amount (10 characters maximum)
6 - Transaction code (2 characters maximum)
(See page 33 for a description of transactions codes.)
Example:
Tom Smith, 55565454,081915004,555-99-8888,1525.00,22
(See page 29 for an example of the format.)
You can Select your file to import by selecting the browse button.
After you select your file to import and click Continue you will be
presented with a second Import Transactions screen (page 30).
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ACH - Import Transactions - Cont.

*Following is a sample of how an excel
spreadsheet should look in order to be
imported as a transaction file. Notice
that the six fields are entered in a row,
each in a separate cell. The file is then
saved with a (.CSV) extension. In
Excel, when you save the document,
select the file type from the dropdown
menu, one option will say CSV
(Comma Deliminated), that is the one
you would highlight before you save.
Note: The amount will be populated

in the batch as a deposit or
withdrawal depending on the
transaction code. The amount must
always be a positive value.
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ACH - IMPORT TRANSACTIONS - Cont. Path: ACH, Batch Manager, Import Transactions (select file), Continue
After you have imported the file, Select

the Batch Name you would like to
populate.
Then select Continue once more and

you will be presented with the ACH
Templates grid (page 31) where your
template with the imported transactions
is now displayed.
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ACH - IMPORT TRANSACTIONS - Cont. or
Path: ACH, Batch Manager, Import Transactions (select file), Continue (select batch), Continue
Here you can see that the information from
our imported file is populated into the test
batch.
From here you can treat the batch normally

and Approve and Release the batch for
processing (page 26).
If you click on the batch you will be able to see

(on the next page) that the information from
your excel file was properly imported.
Note: Once a batch is Released fax to the

ACH Processing Dept. the transactions
template to 1-541-880-5241 or e-mail to
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Path: ACH, Batch Manager, Click desired batch

ACH - IMPORT TRANSACTIONS - Cont.
You can see that your values have been
properly imported into the batch.
Select Continue to get back to the Batch

Manager.
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ACH - BATCH TYPES & TRANSACTIONS CODES
BATCH TYPES
PPD – to/from personal accounts (Prearranged Payment and Deposit Entry)

CCD – to/from corporate accounts (Cash Concentration or Disbursement Entry)
TEL – for transactions authorized over the telephone (Telephone–Initiated Entry)
WEB – for transactions authorized over the Internet (Internet–Initiated Entry)
RCK – for representing returned check items through the ACH network (Re–presented Check Entry)
POP – for transactions initiated at the point of purchase (Point–of–Purchase Entry)
Federal Taxes (CCD) – for paying corporate Federal Taxes through the ACH network (Cash Concentration or Disbursement Entry)
State Taxes (CCD) – for paying corporate State Taxes through the ACH network (Cash Concentration or Disbursement Entry)
Child Support (CCD) – for submitting garnisheed child support payments through the ACH network (Cash Concentration or Disbursement Entry)
Corporate Trade Exchange (CTX) – for importing and passing multiple addenda records with one transaction in accordance with ANSI ASC X12.5 and X12.6
syntax. This functionality is available for import and pass through only.
Corporate Cross Border (CBR) – for identifying a credit or debit entry initiated between payment system participants of different countries.
Consumer Cross Border (PBR) – or identifying a credit or debit entry initiated between payment system participants of different countries.
Accounts Receivable (ARC) – for converting a check received through the mail into an electronic transaction.
TRANSACTIONS CODES
22 – for Automated Deposits (credit transactions) used in conjunction with Checking, NOW, and Share Draft account types.
27 – for Automated Payments (debit transactions) used in conjunction with Checking, NOW, and Share Draft account types.
32 – for Automated Deposits (credit transactions) used in conjunction with Savings account types.
37 – for Automated Payments (debit transactions) used in conjunction with Savings account types.
Federal Bank Holidays: http://www.federalreserve.gov/releases/k8
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Path: ACH, Batch Manager, Import NACHA file

ACH - Import a NACHA file
*Another way to create a batch is to Import a
NACHA File. To get to this screen select Import
NACHA File from the top of the ACH Manager
screen. If you have a payroll program that creates
NACHA files for you, use this screen to import that
file. Select browse to import the file. Then select
Continue.
When you click Continue, you will be presented with

a Import Criteria Grid. If the account is not
automatically populated, select the appropriate offset
account.
If you are using the same effective date to process

all the batches in the file, select the "Apply date to
all" box. If you are creating active batches from all
the batches in the file, select the "Import Batch all"
box. Then press Update.
Click Continue to view the Import NACHA file

confirmation and review your information.
Click continue once more to be taken back to the

ACH Manager screen (page 26) where you will be
able to see your new batch.
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Path: ACH, Batch History

BATCH HISTORY
Select Batch History from

the left toolbar to get to the
ACH History screen. You
may enter search
parameters here to find a
specific batch. This screen
is for informational
purposes only.
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Path: ACH, Reports

ACH REPORTS
*While you are on the ACH screen,
when you select Reports from the left
toolbar you will be taken to the ACH
Reports screen. (When you are on the
Accounts page and select Reports,
you will be taken to the Account
Reports screen and likewise for
Administration.) Choose the icon next
to any report to run that report.
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ACH REPORTS
Sample Report.
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EXPLANATION OF ACH REPORTS
Template Detail - The Template Detail report lists every Batch Template and its contents. Template Detail Report options: You can select All
Templates or select a specific Template. You can choose to have the transactions within each Template sorted by Name or ID number.
Template Summary - The Template Summary report lists the Batch Template Name, the Batch Type, Number of Transactions, Total Deposits and
Total Withdrawals for all of your active Batch Templates. Template Summary Report options: You can select All Templates or select a specific
template.
Batch Detail - The Batch Detail Report will display the contents of each active or in–process batch and its contents by Effective Date. Batch Detail
Report options: You can select All Batches or select a specific batch. You can filter by Batch Status. Your choices are: * All Active Batches *
Approved * Part Approved * Processing * Rejected * Released * Unapproved Date Range – you can specify a custom range of dates or select from
the Preset Date Ranges available. You can choose to have the batch contents sorted by Name or ID number.
Batch Summary - The Batch Summary report shows the Batch Name, Batch Type, Effective Date, Status, Number of Transactions, Total Deposits
and Total Withdrawals for each processed batch within the selected date range. Batch Summary Report options: * You can select All Batches or
select a specific batch. * You can filter by batch status. * Your choices are: * All Active Batches * Approved * Part Approved
* Processing * Rejected * Released * Unapproved. Date Range – You can specify a range of dates or select from the Preset Date Ranges available.
You can choose to have the batch contents sorted by Name or ID number.
Batch History Detail - The batch History Detail report lists every batch that has been processed and its contents. Batch History Report options: *
You can select All Batches or select a specific batch. Date Range – You can specify a custom date range or select from the Preset Date Ranges
available. You can choose to have the batch contents sorted by Name or ID number.
Batch History Summary - The Batch History Summary report lists the Batch Name, Batch Type, Effective Date, Status, Number of Transactions,
Total Deposits and Total Withdrawals for processed batches. Batch History Summary options: You can select All Batches or select a specific batch.
Date Range – You can specify a custom date range or select from the Preset Date Ranges available.
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WIRE TRANSFERS - Getting Started
The Wire Transfer System is designed to accommodate the movement of US Dollars through the FedWire Network. The 4 basic steps in the process of
releasing wires are:
1. Create a Wire Template.
2. Turn the Wire Template into a wire (called Add Wire).
3. Edit the information in the wire (if needed).
4. Approve and Release the wire for processing.
In order to set up the wire system:
1. In Administration, Accounts (page 10) you will set up the Wire Transaction and daily limits for each account from which you want to
send wires.
2. In Administration, Company Setup (page 13) set up the number of approvals that you are going to require for Adding Templates, for
wires above the dollar threshold and before releasing a wire for processing.
3. Set up subsequent users of the wire module in Administration, User Setup (page 15).
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LIFECYCLE OF A WIRE TRANSFER
1. When a wire is first added to the Active Wires grid, it receives a status of Incomplete if required information is missing or
Unapproved if all required information is present.
2. Depending on the number of approvals required, approving the wire will change the wire status to Part Approved (if more
than 1 approval is required) or Approved (if 1 approval is required).
3. Once a wire is fully approved, it may be Released. At this point, you are no longer allowed to Edit the wire content. If you have
Released the wire by mistake you must contact the wire processor before noon at 1-541-884-9154 to have them Reject
the wire.
4. When the wire is accepted for processing, the status will change to Processing.
5. When the wire is exported for processing, the status changes to Processed.
6. When the wire has been successfully processed through the processing network the wire status is changed to Confirmed and
the wire, along with the confirmation will appear on the Wire History Page.
7. If the wire is rejected the status will change to Rejected. By clicking on the Confirm Reject icon, you can view the rejection
reason. You will have the option to accept the rejection, or restore the wire and make any necessary corrections before
reprocessing.
8. If you accept the rejection, the wire moves to the Wire History page with a status of Confirmed Reject.
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Path: Wire Transfer, Wire Template

WIRE TEMPLATES - CREATE TEMPLATE
*To get to this screen, click Wire Transfer on
the left toolbar. To create a Wire Template,
select Create Template.
The Wire Templates screen will display.
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Path: Wire Transfer, Wire Template, Create Template

WIRE TEMPLATES
*Enter a Template Name. Keep in mind

that the person processing your wires will
see this information.
Enter a Template Description.
Enter the Company Name. (You will only

have one company unless you are set up
to use Subsidiaries.) The company you
select becomes the sender of the wire.
Select the Ordering Account - This will

be the account that will fund the wire.
Enter the Amount Limit - Wires based on

this template cannot exceed the amount
entered here.
Enter a Template Threshold - Any wire

created from this template for an amount
that exceeds the threshold amount will
require additional approvals.
Select the Wire Category - This

determines how the wire will be
processed and determines the choices of
Wire Type. See the Next Page for an
explanation of the Wire Categories and
Wire Types.
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WIRE TEMPLATES - Wire Categories
Wire Categories
Fed Wire - The standard Business Function codes normally associated with a FedWire. (This is a wire that goes through the Federal Reserve.)
Intra-Network Transfers - Allows you to Transfer funds using the same types of controls that apply to Wires. These Transfers are for destinations within the
processing institution.
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Path: Wire Transfer, Wire Template, Create Template

WIRE TEMPLATES - Cont.
*After you have selected a Wire
Category, select a Wire Type and click
Next Page.
The details entered here will be

automatically populated on the next
page. You will be asked to fill in the
rest of the information with regards to
Amount, Beneficiary and Beneficiary
Bank information, etc. Please refer to
the following page for the
information you will need to provide
after you select Next Page.
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WIRE TEMPLATES - Cont.
Wire Information Required
Enter the Beneficiary Details – This section contains information about the recipient of the funds. This recipient can be anywhere in the world as long
as their account can be accessed through a wire processing system (S.W.I.F.T., C.H.I.P.S., or FedWire).
Enter the Beneficiary Financial Institution – Information about the financial institution where the beneficiary’s account is held. This institution must be
a member of one of the Wire processing networks listed above. (For foreign wires, the S.W.I.F.T. information is a series of letters and numbers that
identify the foreign bank, the sort code will designate the branch of the foreign bank and is needed in addition to the S.W.I.F.T. information, and an IBAN
number is also a designation for the foreign bank but, it also has the account number embedded in it.)
Enter the Receiving Bank – In some cases, the Beneficiary’s financial institution is not able to receive wires directly (i.e., if they are not a member of
Fed), but must go through a correspondent. In such cases, enter the correspondent's information here. The Receiving Bank is the first institution to
receive the Wire information when multiple institutions are involved. This information will need to be provided by the beneficiary.
Enter the Intermediary Financial Institution – In very rare cases, a wire must go through two institutions in order to get to the Beneficiary’s Financial
Institution. Enter the Intermediary Financial Institution information in this section.
Enter the Instructing Financial Institution - Should an originator (you) initiate a Wire on behalf of an institution you must complete the Instructing
Financial Institution section of the Wire.
Adjustment Information - If you are adjusting a Wire for funds availability enter the required information in this section.
Financial Institution to Financial Institution Information - Complete this section to send information from one Financial Institution to another.
Click Continue - The Template information will be saved.
Usage Tip: After each field is a checkbox. Checking the box locks the field. Users will be unable to change the field contents when turning the template
into a wire.
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Path: Wire Transfer, Wire Template

ADD WIRE
*After you have created a Wire
Template you may edit and
delete them from the main Wire
Templates screen. Here you can
also add a wire using the
template you created.
Edit a Template.
Edit Wire Information in the

Template.
Delete a Template.
Add a Wire. When you add a

wire you will be presented with
the wire form which looks like the
Wire Template on page 44 where
you created your Template. The
form will display with today's date
as the default effective date.
Fill in the rest of this form with the

information on page 45, then
click continue and the wire will be
added to the Active Wires Grid
on the Wire Manager screen.
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Path: Wire Transfer, Wire Manager, Add Wire

ADD WIRE Without going to WIRE TEMPLATES PAGE
From the Wire Manager screen, click the Add

Wire button at the top of the screen. You will
be presented with this screen.
Click the Create icon next to the Wire

Template you want to use to create the wire.
The Wire Detail form is displayed. Make any

necessary changes. Click Continue and the
new wire appears in the Active Wires grid on
the Wire Manager screen.
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EDIT A WIRE Path: Wire Transfer, Wire Manager, Edit Wire Icon
*To Edit a wire - from the Wire

Manager page, select the Edit Wire
icon next to the active wire that you
want to edit. (For example, you may
want to edit the amount.)
The wire form will be displayed and you

may make your changes.
Click Continue to save the changes

and the wire status will be changed
back to Unapproved on the grid.
Note: You cannot edit a wire that has a

status of Released, or Processing.
Also - You cannot edit wire information
once the Template has been turned
into a wire. If you need to change the
Wire Name or Limits of a wire you
must do so from the Wire Templates
screen.
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DELETE A WIRE Path: Wire Transfer, Wire Manager, Delete Wire Icon
*You delete a wire from the Active

Wires grid by clicking on the Delete
Wire icon next to the wire you would like
to delete.
Note: You cannot delete a wire once it

has been released, accepted, or has a
status of processing.
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CONFIRM A REJECTED WIRE Path: Wire Transfer, Wire Manager, Confirm Reject Icon
*If a wire is rejected for any reason, you

may view the reason for the rejection by
clicking the Confirm Reject icon. The
Confirm Rejected Wire screen will be
displayed.
At this point, you may click the Confirm

button to leave the wire in rejected status
or may click the Restore Wire button to
restore the wire to Unapproved status
and make any necessary changes.
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APPROVE AND RELEASE A WIRE Path: Wire Transfer, Wire Manager
*A Select Wire box will appear to the left

of any active wires. To approve and/or
release any active wires, click the Select
Wire box so that there is a check mark in
it then select the Approve or Release
button on the bottom of the screen.
NOTE: A wire is not sent to the bank until

it has been Released.
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Path: Wire Transfer, Reports

WIRE REPORTS
When you are on the Wire Manager

screen you can click Reports from the
left toolbar to get to this screen. Click
the icon to the left of any report to view
that report.
See the next page for an explanation

of each Wire Report.
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EXPLANATION OF WIRE REPORTS
Template Detail Report - The Template Detail report lists every Wire Template and its associated fields. Template Detail Report Options: You can select
All Templates or select specific templates by holding down the Ctrl key while clicking the template names in the list box. You can choose to have the
transactions within each Template sorted by Name or by Wire ID number. Click Update to run the report.
Template Summary Report - The Template Summary report lists every Wire Template, but does not include all associated fields. Template Summary
Report Options: You can select All Templates or select specific templates by holding down the Ctrl key while clicking the template names in the list box.
Click Update to run the report.
Wire Detail Report - The Wire Detail report lists every in–process wire and its associated fields. Wire Detail Report Options: You can select All Wires or
select specific wires by holding down the Ctrl key while clicking the Wire names in the list box. You can choose to have the Wires sorted by Name or by
Wire ID number. You can filter by status. Choices are: * Incomplete * Unapproved * Part Approved * * Released * Rejected * Processing. Date Range –
You can specify a range of dates or select from the Preset Date Ranges available.
Wire Summary Report - The Wire Summary report lists every in–process wire but does not include all associated fields. Wire Summary Report Options:
You can select All wires or select specific wires by holding down the Ctrl key while clicking the wire names in the list box. You can filter by status. Your
choices are: * Incomplete * Unapproved * Part Approved * Approved * Released * Rejected * Processing. Date Range – You can specify a range of dates
or select from the Preset Date Ranges available.
Wire History Detail Report - The Wire History Detail report lists every wire that has been processed and its associated fields. Wire History Report
Options: You can select All Wires or select specific wires by holding down the Ctrl key while clicking the wire names in the list box. You can choose to
have the wires sorted by name or by Wire ID number. Date Range – You can specify a range of dates or select from the Preset Date Ranges available.
Wire History Summary Report - The Wire History Summary report lists every wire that has been processed but does not include the detailed field
information. Wire History Summary Options: You can select All wires or select specific wires by holding down the Ctrl key while clicking the wire names in
the list box. Date Range – You can specify a range of dates or select from the Preset Date Ranges available.
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INCOMING WIRE
To View Incoming Wire Detail:

Click the Incoming Wire button on navigation side bar. The Incoming Wires grid is displayed showing summary information for each of the Incoming Wires
received by your company. Click the View Wire Details icon to the left of the Incoming Wire you would like to view. Detailed wire information will be displayed.
Mark Wire as Complete:

To mark an Incoming Wire as Complete: To acknowledge the receipt of an Incoming Wire, click the Mark Wire as Complete icon to the left of the wire you are
acknowledging. The wire will be moved to Incoming Wire History and can be viewed from the Incoming Wire History Report. Note: If you do not have items
available in the Incoming Wire grid, you may not have any Incoming Wires or the Incoming Wire Detail file has not been uploaded to the system.
Incoming Wire History Report:

To view the Incoming History report: Select the Reports button underneath the Incoming Wire main menu button. You will be presented with the Incoming
Wire History Report where you can control what is displayed by selecting criteria in the following filters: Account - Select the account number associated with
the Incoming Wires you would like to review. Wire Type - Select the Incoming Wire Types that you would like to view. Business Function - Select the
Business Function that you are interested in viewing. Click Update. The report will be presented with the information available based on your filter settings.
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BILL PAY
Click Bill Pay from the left main tool bar. You will be taken to an external website.
The following instructions were taken from iPay Technologies, LLC, the provider of Bill Pay services for South Valley Bank & Trust customers.
Adding a new Bill
Search for a new Bill to add to your payee list:
1. Click the “PAYMENTS” tab.

2. Click “Manage Payees”.
3. Click the “Add New Payee” button.
4. If you have the Email Payments and Transfers feature, click ‘Yes’ to the question, “Do you want to pay a company?”. If you do
not have Email Payments and Transfers, move on to step 5.
5. You have a choice of entering the “Payee Name” as it appears on your bill to begin the search or use the alphanumeric search
by choosing the first character of the Payee Name.
6. The search will return a Payee. If the Payee information displayed matches your Payee information, click “Add”. If the search
finds multiple matches, you will be directed to enter the payee zip code and your Payee billing account number, which will return a
Payee. You would then click “Add”.
7. Next add your “Payee Nickname” and “Payee Account Number” if not already displayed.
8. A “Transaction Confirmation” appears displaying all of the information on the new payee. If the new payee is paid by electronic
remittance, you will be able to use the payee for payment immediately.
Note: If a Payee is not found by the system, you can click on “Cancel” to start a new search or click on “I Don’t See My Payee in
the List” which will prompt you for additional remittance information in adding your payee. The system may also prompt you for
additional remittance information to add your payee. This will add the payee in pending status. Please allow up to 3 business days
for remittance data verification.
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BILL PAY - Cont.
Making a Single payment
How to schedule a single payment:

2. Click on “Make Payments”.
3. Click the “Single Payment” link.
4. From the “Nickname” dropdown box, select the payee you want to pay. All your payees are listed in the dropdown.
5. Set the “Process Date” either by selecting the date from the calendar or by entering in the date (mm/dd/yyyy).
6. Enter the “Amount”.
Note: The process date is not the day your payee will receive payment. You must schedule any payment request at least five
business days prior to the payment due date when payments are made through the Bill Payments service. If you schedule a
payment for a non-business day or after 4:00 pm eastern time, your payment will be processed the following business day. For
check payments, please allow a minimum of five (5) to eight (8) business days for payment to reach your payee. For electronic
payments, please allow a minimum of three (3) business days for payment to reach your payee. For further clarification on
Process Date, refer to the “Key Terms and Definitions” section for “Process Date”. You may expedite your payment when it is
in pending status. When the payee is in pending status, go onto "Live Chat" and ask for the payment to be expedited and the
payment should go through in less than 3 days.
7. Click the “Submit” button. Review the information you entered. If correct, click “Finish”. If not correct and you need to make
changes to the payment, click “Cancel”.
8. A “Payment Confirmation” window appears. If there are currently payments scheduled to the payee or if there has been a
payment scheduled within the last fourteen (14) days to the payee, a message will appear. To schedule the payment, you must
click “Yes“.
Your single payment has been scheduled.
If you want to stop the payment prior to the process date, click on “Payment Activity”, “Pending Payments” window. Select
“Stop” and then “Continue” to stop the payment.
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BILL PAY - Cont.
Making a Recurring payment
How to schedule a recurring payment:

2. Click “Make Payments”.
3. Click the “Recurring Payment” link.
4. From the “Select the payee” dropdown box select the payee you want to pay.
5. Enter the “Payment amount” by typing in the amount or using the calculator.
6. Select the “Frequency” that you want the payment to be paid (i.e. Weekly, Monthly). Select ‘Yes’ or ‘No’ to “In the event a
recurring date is to pay on a non-processing date, would you like to pay on the date prior to the non-processing date?”.
7. Select your recurring start date.
Note: The process date is not the day your payee will receive payment. You must schedule any payment request at least five business
days prior to the payment due date when payments are made through the Bill Payments service. If you schedule a payment for a non-
business day or after 4:00 pm eastern time, your payment will be processed the following business day. For check payments, please
allow a minimum of five (5) to eight (8) business days for payment to reach your payee. For electronic payments, please allow a
minimum of three (3) business days for payment to reach your payee. For further clarification on Process Date, refer to the “Key
Terms and Definitions” section for “Process Date”.
8. Click the “Finish” button on the Payment Review screen.

9. A “Payment Confirmation” window appears. If there are currently payments scheduled to the payee or if there has been a payment
scheduled within the last fourteen (14) days to the payee, a message will appear. To process this payment, you must click the “Yes”.
Your recurring payment is now scheduled and will continue to be paid with no action on your part.
If you want to stop the recurring payment, click on “Payment Activity”, “Pending Payments” window and “Stop” the payment. All future
payments will now be stopped.
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BILL PAY - Cont.
View my scheduled payments
To view your scheduled payments:
1. Click the “Payment Activity” tab.

2. Click “Pending Payments”.
Your scheduled payments will be displayed in the window. Click on the column headings to change how your
scheduled payments are sorted. Use the Narrow display dropdown to view scheduled payments of a certain type.
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BILL PAY - Cont.
Change a scheduled payment
To change a scheduled payment:
1. Click on the “Payment Activity” tab.

3. Find the payment you would like to change.
4. Click the “Change” button.
Note: A window will open displaying the details of the payment. If this is a single payment, you will have the ability to
change the payment process date and the payment amount. If this is a recurring payment, you can only change the
amount. If you need to change the process date of a recurring payment, you must stop the recurring payment first, and
then add a new recurring payment with the new process date. When you stop a scheduled recurring payment, all future
payments will also be stopped.
5. Make changes to payment.

6. Click the “Continue” button.
Your payment has been updated.
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BILL PAY - Cont.
Cancel/Stop a scheduled payment
To cancel/stop a scheduled payment:

3. Find the payment you would like to cancel/stop.
4. Click the “Stop” button.
5. Click the “Continue” button.
Your payment has been cancelled/stopped. If this is a recurring payment all future payments will also be stopped.
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BILL PAY - Cont.
View my payment history
To view your payment history:

2. Click “Payment History”.
3. Enter your search criteria.
4. Click the “Submit” button.
Your payment history will be displayed. Your payment history includes all processed payments.
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BILL PAY - Cont.
Frequently Asked Questions
1. How do I get started?

You will complete a bill pay enrollment form by pressing the “Enroll Now” button on the Log In page. You will see an enrollment form that is
prefilled with your information. Verify that your information is correct. If the information is not correct or blank, fill in the correct information and
submit. When you receive notification from your financial institution that your bill pay enrollment has been approved (generally a minimum of 3
business days), you may begin to use the service.
2. Should the processing date be the actual due date of the bill?
No. You should schedule payments a minimum of five (5) business days for your check payments and a minimum of three (3) business days for
your electronic payments prior to the actual date. Weekends and federal reserve holidays are not counted as business days.
3. How soon are funds actually taken out of my account?

Bill payments are debited from your designated account within 24 hours of the process date.
4. What happens if I do not have enough money in my account to cover a scheduled transfer or payment?
If funds are not available on the requested processing date, your transfer or bill payment may be cancelled. If cancelled, you will be required to
reschedule the payment; the bill pay system will only process the payment one time. If a recurring payment is cancelled, future payments on the
recurring schedule will not be affected; however, you will need to reschedule the cancelled payment if you want it to be paid.
5. When and how are my payments delivered and how can I ensure that my payee receives my payment by the due date?
After funds are withdrawn from your account, IPay may remit your payment(s) by electronic funds transfer, or if the payee does not accept
electronic payments, by mailing your payee a check. Because of the time it takes to remit your payment to the payee, they will not receive payment
on the processing date (the date you instructed IPay to deduct the funds from your account). Therefore, you should allow sufficient time for
payments to be received and posted to your account. See Process Date under Terms and Definitions for more details on the number of days to
allow for payments to be received by your payee.
You may verify receipt of the payment by your payee by contacting them directly or checking your next billing statement for verification of posting
the payment.
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BILL PAY - Cont.
Frequently Asked Questions - Cont.
6. When is the last possible opportunity for me to change or cancel a scheduled bill payment?
You can change or stop a payment prior to the cut-off time on the processing date you originally scheduled. (You will not be able to
change the date on a recurring payment; however you can stop and reschedule the payment.)
7. Who do I contact if my transfer or payment has not been posted?

Before any research can be done on a payment that has not posted, please allow a minimum of (10) business days for a check payment
and a minimum of (5) business days for an electronic payment and transfer to reach your payee. Often it does not take this long, but this
is the amount of time IPay allows the merchant to receive and post the payments. If the transaction has not been posted by that time,
simply contact IPay by calling Subscribers Services at the toll-free number provided by your financial institution (this number can also be
found at the bottom of every page on the IPay website). You may also chat with a Subscriber Services representative by clicking on the
Chat button (when available) on the IPay website or send IPay an email at subscriberservices@billpaysite.com. IPay will follow up on the
transfer or payment and get back to you within 24 to 48 business hours.
8. Why are some of my payees highlighted in Yellow?

Payees that are in pending status (either added Email Payees or Transfers that are awaiting you to complete the confirmation process or
added bills that are awaiting the approval process) will be highlighted in yellow. For added Email Payees or new Transfers, check your
email for a confirmation request that contains instructions on how to complete the confirmation process. For added bill payees, it takes up
to three (3) business days for an added payee to be approved.
9. What is a Challenge Phrase and Response and why is it required for certain transactions?
The challenge phrase and response is a question and answer that you established on your bill pay account. This question and answer
should be one that only you know. Therefore, it provides an additional level of security with your bill pay account.
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APPENDIX A - Creating Federal Tax Templates
Federal Tax Templates

IRS regulations require businesses that paid at least $200,000 in payroll taxes during or after 1998 to pay all their Federal business taxes electronically through
EFTPS as of July 1, 1999. If you fall into this category you should have received instructions and enrollment forms from the IRS. All other taxpayers can enroll
by calling the EFTPS Taxpayer Customer Service Center at 1–800–945–8400 or 1–800–555–4477 from 8:30 a.m. to 8:00 p.m. Monday through Friday Eastern
time.
To create Federal Tax Batch Templates:

1. Click the Add Batch Template button at the top of the ACH Batch Templates page.
2. The first screen presented will allow you to enter the Template Information. This will establish the Name of the Template and type of ACH transactions the
Batch Template will be used for.
3. Enter the Template Name – this can only be 10 characters in length due to the NACHA file format restraints and will be used as the batch name each time
you use the template to create a batch.
4. Enter the Template Description – enter more information about the template to be used for internal reference only.
5. Select the Company Name – available only if you are originating ACH batches for more than one company.
6. Select the Offset Account – required only if you are authorized to use Generated Offsets.
7. Select the Federal Taxes Batch Type.
8. Assign Batch Security

- Normal – Normal batches require no additional security and are available to anyone with ACH batch rights. Persons with "No Change"
rights assigned for Normal Batches will be able to view, approve and release normal batches but will not be able to change the batch
information or transactions.
- Sensitive – Sensitive batches are batches that you do not want available to persons with normal batch rights. A good example of a
possible sensitive batch is Child Support Payments. Persons with "No Rights" assigned to sensitive batches will not be able to view, edit,
approve, release, or report on sensitive batches.
9. Click Continue.
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APPENDIX A - Cont.
10. The template information is saved and displayed along with the first section of the Federal Taxes template.
11. Enter the Taxpayer Identification Number associated with the payment you are setting up in ACH Templates.
12. Enter the account number from which the funds will be debited (if you are authorized to use Generated Offsets – the account number selected in the
Template Information section will be displayed).
13. Select the type of account associated with the Offset Account number (if you are required to use Generated Offsets, this field will not be available for edit).
14. Enter the Routing and Transit Number associated with the account from which the funds will be debited (if you are authorized to use Generated Offsets, the
Routing and Transit Number will already be populated).
15. Select the appropriate Tax Payment Type Code from the drop down box.
16. Select the appropriate Receiving DFI Company Name (Bank One or Bank of America) – this information should have been provided upon enrollment for
EFTPS.
17. Click Next Page – You will be presented with the second portion of the Federal Tax Template.
18. Enter the correct information for the Tax Period End Date by selecting the appropriate Month and entering the appropriate 4–digit year. The drop down
listing for the month selection is based on the tax type selected in the first section of the Federal Tax Template.
19. Enter the Tax Amount being paid.
Note: If you are brand new to this process, EFTPS procedures require that you submit a "Zero Dollar Transaction" prior to remitting your first payment. Enter a
"0" in the amount field of the template.
20. Click Continue – You will be returned to the ACH templates grid where your new Federal Tax template will be available for processing.
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APPENDIX B - Creating a State Tax Template
State Tax Templates

Contact your state tax department or agency to start paying your State Taxes electronically. Once you are enrolled you will receive specific instructions that will
be needed to complete the State Tax Template.
To create a State Tax Template:

2. The first screen presented will allow you to enter the Template Information. This will establish the Name of the Template and type of ACH transactions
the Batch Template will be used for.
7. Select the State Taxes Batch Type.
8. Assign Batch Security

Normal – Normal batches require no additional security and are available to anyone with ACH batch rights. Persons with "No Change" rights
assigned for Normal Batches will be able to view, approve and release normal batches but will not be able to change the batch information
or transactions.
Sensitive – Sensitive batches are batches that you do not want available to persons with normal batch rights. A good example of a possible
sensitive batch is Child Support Payments. Persons with "No Rights" assigned to sensitive batches will not be able to view, edit, approve,
release, or report on sensitive batches.
9. Click Continue.
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APPENDIX B - Cont.
10. The template information is saved and displayed along with the first section of State Taxes template.
11. Enter the Taxpayer Identification Number associated with the payment you are setting up in ACH Templates.
12. Enter the account number from which the funds will be debited (if you are authorized to use Generated Offsets – the account number selected in the Template
Information section will be displayed).
13. Select the type of account associated with the Offset Account number (if you are required to use Generated Offsets, this field will not be available for edit.
14. Enter the Routing and Transit Number associated with the account from which the funds will be debited (if you are authorized to use Generated Offsets, the
Routing and Transit Number will already be populated).
15. Enter the appropriate Tax Payment Type Code.
16. Enter the DFI (Depository Financial Institution) Account number – the account number the State Tax department provided upon enrollment.
17. Enter the Receiving DFI Identification number – this is the routing and transit number associated with the financial institution where the above account is held.
18. Enter the appropriate Receiving DFI Company Name – this is the name of the financial institution where the above account is held. This information should
have been provided upon enrollment for paying your state taxes electronically.
19. Click Next Page – You will be presented with the second portion of the State Tax Template.
20. Enter the Tax Period End Date using a MM/DD/YYYY format.
21. If the Tax Type that you are paying allows more than one amount type, enter the Amount Type with an associated Tax Amount for each Amount Type entered.
Note: If you are brand new to this process, State Tax procedures may require that you submit a "Zero Dollar Transaction" prior to remitting your first payment.
Enter a "0" in the amount field of the template.
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APPENDIX B - Cont.
Available Amount Types for state tax payments are:
T = Tax
I = Interest
P = Penalty
S = State
L = Local
C = City
- Enter your Taxpayer Verification – This field is optional and will be a 5–digit alphanumeric code that will be given to you upon enrollment if
needed.
- Click Continue – You will be returned to the ACH Templates grid where your new State Tax Template will be available for processing.
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APPENDIX C - Child Support Templates
Child Support Templates
Child Support payments may be garnished from employee's wages. You can submit these garnished payments electronically. You will receive instructions for
making these payments as part of the garnishee notification if you are eligible to make these payments electronically. If you have any questions, please contact
your local Division of Child Support Services office.
To create a Child Support Template:

2. The first screen presented will allow you to enter the Template Information. This will establish the Name of the Template and type of ACH
transactions the Batch Template will be used for.
7. Select the Child Support Batch Type.
8. Assign Batch Security:

Normal – Normal batches require no additional security and are available to anyone with ACH batch rights. Persons with "No Change"
rights assigned for Normal Batches will be able to view, approve and release normal batches but will not be able to change the batch
information or transactions.
Sensitive – Sensitive batches are batches that you do not want available to persons with normal batch rights. A good example of a possible
sensitive batch is Child Support Payments. Persons with "No Rights" assigned to sensitive batches will not be able to view, edit, approve,
release, or report on sensitive batches.
9. Click Continue.
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APPENDIX C - Cont.
10. The template information is saved and displayed along with the Child Support template.
11. Enter the Taxpayer Identification Number associated with the payment.
12. Enter the account number from which the funds will be debited (if you are authorized to use Generated Offsets – the account number selected in the
Template Information section will be displayed).
13. Select the type of account associated with the Offset Account number (if you are authorized to use Generated Offsets, this field will not be available for
edit).
14. Enter the Routing and Transit Number associated with the account from which the funds will be debited (if you are authorized to use Generated).
15. Offsets, the Routing and Transit Number will already be populated.)
16. Enter the DFI (Depository Financial Institution) Account number – this is the account number the State Tax department provided upon enrollment.
17. Enter the Receiving DFI Identification number – this is the routing and transit number associated with the financial institution where the above account is
held.
18. Enter the appropriate Receiving DFI Company Name – this is the name of the financial institution where the above account is held. This information
should have been provided upon enrollment for paying Child Support electronically.
19. Enter the Case Identifier – this information was provided as part of the garnishment.
20. Enter Pay Date in MM/DD/YYYY format.
21. Enter the Payment Amount.
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APPENDIX C - Cont.
Note: If you are brand new to this process, the Division of Child Support Services may require that you submit a "Zero Dollar Transaction" prior
to remitting your first payment. Enter a "0" in the amount field of the template.
1. Enter the Social Security Number of the Non–Custodial Parent – this should be the name of the employee on whose behalf you are making
the payment.
2. Select the appropriate Medical Support Identifier.
3. Enter the name of the Non–Custodial Parent – this will be the name of the employee on whose behalf you are making the payment.
4. Enter FIPS Code – this code is optional and should have been provided when you were asked to make this payment electronically.
5. Select the appropriate Employment Termination Indicator. Select "No" if the employee has not terminated, "Yes" if they have.
6. Click Continue – You will be returned to the ACH Templates grid where your new Child Support Template will be available for processing.
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South Valley Bank & Trust

Path: Balances or Balance Reporting

Online Banking tool bar - this

Click here to view a

You can click any account

Click the yellow folder next to

TRANSACTIONS Screen - Account Detail Path: Balance Reporting, Transactions

*When you click an account from the

You may issue a Stop Payment

Unselect this box if you do not

Path: Balance Reporting, Transactions, Stop Payment

If the Account you wish to issue a

Enter the Check Detail for a

Enter the Check Details for a

*To Cancel a Stop Payment

Path: Balance Reporting, Transactions, Research

*You can get to the Research

Choose the Account you wish to

Choose the Date Range you

For Checks & Withdrawals,

For Deposits & Credits, enter

Choose how you want the

Path: Balance Reporting, Transfer Funds

Select the Accounts you wish to

Use this drop down menu to specify

If you would like this Transfer to

When you've completed all the

To Add a new Transfer select

Click here to Delete a future

REPORTS Screen Path: Balance Reporting, Reports

*The Reports screen on the

Click the report icon next to the

File Export will export a file if you

Path: Balance Reporting, Reports, Reports Icon

Select the Account you wish to

To print the report after it has

Path: Balance Reporting, Reports, Reports Icon next to "File Export"

Note: Use the Comma

Under Options, select whether or

When you click the Export

ACCOUNTS Screen - (Administration) Path: Administration, Accounts

*Choose Administration from the

Click here to Add an Account to

Click here to Edit the account in

Click here to Delete the

Path: Administration, Accounts, Add Account

Select the Company you will

Enter the Account Number

Name the Account here.

Specify the Account Type

Click Continue to confirm

*When you select the Edit icon

Change the Account

COMPANY SETUP Screen Path: Administration, Company Setup

*You can get to this page by going

First, select the Company and hit

If this box is checked, each time

Path: Administration, Company Setup

Specify the Number of approvals

PPD Batches - Stands for

CCD Batches - Stands for Cash

Specify the Number of approvals

USER SETUP Screen Path: Administration, User Setup