Administering the Customer Platform

1. Administering the Customer Platform Intuit Financial Services University Business Banking Certification Training

2. Section Objectives By the end of this section, you will know how to: • access the Customer Platform • support your business users when they administer their system Business Banking Certification: Administering the Customer Platform

3. Accessing the Customer Platform

4. Terms to Know - CCP • Roles: • Company Administrator – the one person at the company with full permissions (as granted by the financial institution). • User Administrator – person(s) set up by the Company Administrator with the ability to add, edit, delete other users (not other User Administrators or the Company Admin). • User – person set up by Company Admin or User Admin with various access to CCP. • Login Credentials: • Company ID – 4 to 16 characters and may include letters and numbers. Set up in the FIAP and cannot be changed. • Company Password – Must be between 6 and 16 characters and contain a minimum of 1 alpha and 1 numeric character (the financial institution may further customize the requirements). This password does not expire. The Company Admin is forced to change it upon initial login. NOTE: The financial institution may choose to disable the Company Password, thus creating a three-part login. • User ID - 4 to 16 characters and may include letters and numbers. • User Password – Must be between 6 and 16 characters and contain a minimum of 1 alpha and 1 numeric character (the financial institution may further customize the requirements). This password must be changed on a regular basis (duration set in FIAP Security  End User Password Duration and affects all companies). Business Banking Certification: Administering the Customer Platform

5. Company Administration Business Banking Certification: Administering the Customer Platform

6. Company Administration *The financial institution may choose to disable the Company Password, thus creating a three-part login. Business Banking Certification: Administering the Customer Platform

7. Accessing the Customer Platform • Practical Applications • What are the default character requirements for User IDs and Passwords on the Customer Platform? • What does a Company Administrator do if they forget their User ID and/or Password? • Can a Company Administrator get locked out of Business Banking? If so, how does this affect the other users at the company? • What does an end user do if they forget their User ID and/or Password? What do they do if they get locked out? Business Banking Certification: Administering the Customer Platform

8. Setting up Users

9. Administration – User Maintenance – User Profile Maintenance Current User: The dropdown list lets you choose a user to modify. New: Click this button to create a new user. User Name: This is the user’s name and is accessible on this screen only. User ID: This is the ID that the user will use to log in to the system. Password/Confirm: This is the temporary password that the user will enter when logging in for the first time. The system cross-checks the Passwordand Confirmfields to help eliminate typographical errors. Email: This is the user’s email address. System-generated email messages intended for this user will be directed to this address. Unlock User: Clears the invalid login count so the user is able to access Business Banking again. This button only displays if the user is locked out. NOTE: Only the Company Administrator and User Administrators have access to this screen. Business Banking Certification: Administering the Customer Platform

10. Administration – User Maintenance – User Profile Maintenance (cont’d) Account List: Business Banking Services that have been enabled for your financial institution during Implementations display in each column. Accounts that have been enabled by your financial institution in the FI Admin Platform display in each row. A checked box in a row/column position indicates that the user has permission to use that column’s service on that row’s account. The first company listed is the primary company. If any secondary companies have been tied to the primary company, access those accounts by clicking the + sign. NOTE: Some services cannot be used with some account types. The system automatically disables the checkboxes in such cases, so you cannot inadvertently assign an invalid permission. Business Banking Certification: Administering the Customer Platform

11. Administration – User Maintenance – User Profile Maintenance (cont’d) Administration: Only theCompany Administrator can enable the following permissions: User Administrator: Check this box to allow the user to have access to most Administrative functions (excluding Sweeps). This permission includes: User Profile Maintenance (the ability to add, edit or delete other users), Activity Reporting, Balance Alerts, Account Maintenance, Change Company Password, Change Timeout. User Profile Approver: Check this box to designate this User Administrator as an approver for when the Company Administrator or another User Administrator add, edits, or deletes a user.  When the User Profile Approver adds, edits, or deletes a user, the Company Administrator or another User Profile Approver must approve the action. NOTE: If User Profile Maintenance was checked of by the financial institution for this company, the Company Administrator must set up least two users as "User Administrators" with the "User Profile Approver" permission. Suppress Email Approval Request: Check this box to prevent the system from generating an email to the User Administrator Approver upon another administrator adding, editing, or deleting a user. NOTE: The ‘User Profile Approver’ and ‘Suppress Email Approval Request’ options only display if “User Profile Maintenance Approval Required” was checked in FIAP  Maintenance  Add New Customer. Business Banking Certification: Administering the Customer Platform

12. Administration – User Maintenance – User Profile Maintenance (cont’d) Balance Reporting Allow Balance Reporting: Check this box to allow the user access to the Balance Reporting module. This includes viewing account balances, creating and running reports, and searching for transactions. Book Transfer Allow Book Transfer: Check this box to allow the user access to the Book Transfer module. This includes setting up one-time, future-dated, and recurring transfers. The user will also be able to view, edit, and delete future dated and recurring transfers that have been scheduled by the user or any other company user. Business Banking Certification: Administering the Customer Platform

13. Administration – User Maintenance – User Profile Maintenance (cont’d) Wire Transfer Allow Wire Transfer: Check this box to allow the user access to the Wire Transfer module. Initiate Template: Check this box to allow the user to submit Template-based Wire Transfers (wires that use a predefined template). Initiate Group: Check this box to allow the user to submit Group-based Wire Transfers (wires that are grouped together for ease in submitting). Initiate Freeform: Check this box to allow the user to submit Freeform Wire Transfers (wire transfers that do not use a predefined template). NOTE: This will still display even if the financial institution has disabled Freeform Wires for the company in the FIAP. Approval: Check this box to allow the user to approve and/or deny their wire transfer submittals and/or wire transfer submittals from other company users that are within their limits. Suppress Email Approval Request: Check this box to prevent the system from generating an email to the approver upon another user initiating a wire transfer. NOTE: The email that is generated upon a user exceeding their daily/transaction limit will also be suppressed, unless the financial institution has restricted this feature altogether via the "Restrict Wire initiation if User Limits are exceeded" checkbox. Best practice is to grant initiation and approval rights to different user profiles. Fraud can be deflected if the initiation and approval steps are performed using different login credentials at different computers, even if this is the same person. Business Banking Certification: Administering the Customer Platform

14. Administration – User Maintenance – User Profile Maintenance (cont’d) Template Maintenance: Check this box to allow the user to create, modify, and/or delete wire templates. Template Group Maintenance: Check this box to allow the user to create, modify, and/or delete wire groups. Investigation Request: Check this box to allow the user to submit a wire transfer investigation request online. Foreign Exchange Rates: Check this box to allow the user to view the foreign currency exchange rates table. Rates are supplied by the financial institution. NOTE: your financial institution may opt to turn this feature off during Implementations Daily Limit: Set the cumulative maximum amount of funds the user can transfer per day. Transaction Limit: Set the maximum amount of funds the user can transfer in any single transaction. Daily Approval Limit: Set the cumulative maximum amount of funds the user can approve per day. Transaction Approval Limit: Set the maximum amount of funds the user can approve in any single transaction. The Company Administrator should educate their employees with initiation or approval rights about transaction-level limit capabilities. Business Banking Certification: Administering the Customer Platform

15. Administration – User Maintenance – User Profile Maintenance (cont’d) Stop Payments Allow Stop Payments: Check this box to allow the user access to the Stop Payment module. Stop Payments: Check this box to allow the user access to request Stop Payments online. Business Banking Certification: Administering the Customer Platform

16. Administration – User Maintenance – User Profile Maintenance (cont’d) ACH Allow ACH: Check this box to allow the user access to theACH module. Participant Maintenance: Check this box to allow the user to create, modify, and/or delete ACH participants. Transaction Entry Maintenance: Check this box to allow the user to define which participants are included in which ACH batches. Batch Template Maintenance: Check this box to allow the user to create, modify, and/or delete ACH batch templates. ACH Approval: Check this box to allow the user to approve and/or deny their ACH file submittals and/or ACH file submittals from other company users that are within their limits. Suppress Email Approval Request: Check this box to prevent the system from generating an email, to the user, upon another user initiating an ACH batch. NOTE: The email that is generated upon a user exceeding their daily/transaction limit will also be suppressed, unless the financial institution has restricted this feature altogether via the "Restrict ACH initiation if User Limits are exceeded" checkbox. Just as with the FI Admin Platform, businesses should not select any of the suppress email options. Communication and timely information is important in recognizing fraud! Business Banking Certification: Administering the Customer Platform

17. Administration – User Maintenance – User Profile Maintenance (cont’d) • Reversal: Check this box to allow the user to request an ACH reversal online. • Re-Presented Check: Check this box toallow the company tore-present checks that have been processed through the check collection system and returned because of insufficient or uncollected funds. • Initiate Batch: Check this box to allow the user to submit ACH batches. • Import ACH Data: Check this box to allow the user to import external ACH batches and add their batch and participant definitions to the Business Banking system. • Send ACH File: Check this box to allow the user to submit external ACH batches to the financial institution. • Daily Credit/Debit Limit: Set the cumulative maximum amount of credit/debit transactions (i.e. outgoing/incoming funds) the user can submit per day. • Batch Credit/Debit Limit: Set the maximum amount of credit/debit transactions (i.e. outgoing/incoming funds) the user can include in any single ACH batch. • Daily Approval Credit/Debit Limits: Set the cumulative maximum amount of credit/debit transactions the user can approve per day. • Batch Approval Credit/Debit Limit: Set the maximum amount of credit/debit transactions the user can approve in any single ACH batch. • NOTE: The offsetting transaction is not counted in the limits for balanced files. Business Banking Certification: Administering the Customer Platform

18. Administration – User Maintenance – User Profile Maintenance (cont’d) Tax Payments Allow Tax Payments: Check this box to allow the user access to theTax Payment module. Tax Payments: Check this box to allow the user to submit tax payments. Suppress Email Approval Request: Check this box to prevent the system from generating an email, to the user, upon another user initiating a Tax Payment. NOTE: The email that is generated upon a user exceeding their daily/transaction limit will also be suppressed, unless the financial institution has restricted this feature via the “Restrict Tax Payment initiation if User Limits are exceeded" checkbox. Tax Payment Approval: Check this box to allow the user to approve and/or deny their tax payment submittals and/or tax payment submittals from other company users that are within their limits: Daily Limit: Set the cumulative maximum amount of tax payments the user can submit per day. Transaction Limit: Set the maximum amount of tax payments the user can submit in any single transaction. Daily Approval Limit: Set the cumulative maximum amount of tax payments the user can approve per day. Transaction Approval Limit: Set the maximum amount of tax payments the user can approve in any single transaction. Business Banking Certification: Administering the Customer Platform

19. Administration – User Maintenance – User Profile Maintenance (cont’d) Online Services Allow Online Services: Check this box to allow the user access to any of the below online forms. Photocopy Request: Check this box to allow the user access to request a photocopy online. Check Reorder: Check this box to allow the user access reorder checks online. Account Research: Check this box to allow the user access to request that the financial institution investigate and/or clarify specific account activity online. Cash/Change Order Form: Check this box to allow the user access to request cash and or change from the financial institution online. Bill Pay Research: Check this box to allow the user access to request that the financial institution investigate and/or clarify specific Bill Payment account activity online. NOTE: In order to utilize the Online Service feature for a specific account, the user must have Balance Reporting permissions for the account. Business Banking Certification: Administering the Customer Platform

20. Administration – User Maintenance – User Profile Maintenance (cont’d) Reconciliation Services Reconciliation Services is covered in a separate webcast. Additional Services Check any box(es) to enable the user access to any Single Sign-On (SSO) products that the financial institution has enabled for the company. Business Banking Certification: Administering the Customer Platform

21. Administration – User Maintenance – User Profile Approval/Activity User Profile Approval Activity: Allows the Company Administrator and any other users, that have been selected as a User Profile Approver, to approve and/or deny any new, updated, or deleted user profiles. The Company Administrator and/or User Profile Approver can not approve or deny profiles that they have added, updated, or deleted as these profile's 'Approve' and 'Deny' checkboxes will be grayed out. The Company Administrator or another User Profile Approver will need to approve/deny these profiles.  NOTE: This screen will only display to the Company Administrator and/or users that have been selected as a User Profile Approver. Business Banking Certification: Administering the Customer Platform

22. Administration – Activity Reporting Activity Reporting: Allows the Company Administrator and User Administrator to report on the activity of the company's users in the system. Business Banking Certification: Administering the Customer Platform

23. Administration – Activity Reports Saved Reports: You can greatly streamline the process of producing frequently-used reports by setting up a report once and saving the parameters for future use. Date Selection: The first selection to indicate in a report is the date range. You may choose from the current week’s log file up or any of the previous five week’s log files or you may specify a date range. Query Selection: You can specify that all activities should be reported or you can narrow the scope of the report with the use of queries. The two queries can be run simultaneously in order to pull two report types at once. Within each level of query, there are four selection criteria: transaction type, field to search, field value, and a logical operator to tie the fields together. (Don’t forget to use your wildcard feature!) Presentation Selection: This is the final section needed to create a report, as it identifies the form and format of the report. This is where reports can be saved, viewed on screen, or downloaded for future reference. We recommend using the download feature for reports with 200 or more records. Business Banking Certification: Administering the Customer Platform

24. Administration – Sweeps • Sweeps: Allows the Company Administrator to set up automated sweeps on accounts in order to keep balances within specified limits.  When the specified threshold is reached, the system transfers enough money between the specified accounts to bring the account back to the threshold amount and sends an email message to indicate the activity. • Your financial institution sets the run time(s) for sweeps. On a run, the system automatically checks the criteria for sweeps and performs a transfer if the criteria is met and the funds are available. • Batch clients: Run time should be set for just once a day, one hour prior to your IFS export file is required. • Multi Batch clients: Run time(s) can be set up to five (5) times per day, one hour prior to each IFS export file. • Hybrid clients: Run time(s) can be set up to five (5) times throughout the day, the last run must be the host daily processing cut-off. • Real-Time clients: Run time(s) can be set up to five (5) times throughout the day, the last one must be before the host daily processing cut-off. • NOTE: Sweeps are managed by Intuit Financial Services' SRT (Scheduled and Recurring Transfers) engine, which is the automated program that checks account balances on business banking days and either transfers money or sends an alert.  Business Banking Certification: Administering the Customer Platform

25. Administration – Balance Alerts Balance Alerts: Allows the Company Administrator and User Administrator to receive automated alert emails when a specified account balance reaches a specified threshold. The email notification is sent to the email address provided for the alert. Your financial institution sets the run time(s) for alerts. On a run, the system automatically checks the criteria set up on this screen and sends out any email alerts/notifications as necessary. Batch clients: Run time should be set just once a day, on the hour following the time you send your import file to IFS. Multi Batch clients: Run time(s) can be set up to five (5) times per day, on the hour following the time you send each import file to IFS. Hybrid clients: Run time(s) can be set up to five (5) times throughout the day. Real-Time clients: Run time(s) can be set up to five (5) times throughout the day. NOTE: Alerts are managed by Intuit Financial Services' SRT (Scheduled and Recurring Transfers) engine, which is the automated program that checks account balances on business banking days and either transfers money or sends an alert.  Business Banking Certification: Administering the Customer Platform

26. Administration – Account Maintenance Account Maintenance: Allows the Company Administrator and User Administrator to rename any of the available accounts. All references to the account within the Business Banking system will use this descriptive name. This descriptive name is also transmitted to the FI Admin Platform. Business Banking Certification: Administering the Customer Platform

27. Administration – Login Credentials – Change Company Password Change Company Password: Allows the Company Administrator and User Administrator to change the Company Password at any time. The default password requirements are 8 to 16 characters in length. The Company Password does not expire.  NOTE: The Company Administrator or User Administrator is prompted to change the Company Password anytime it has been reset by the financial institution.   Remember, the financial institution may choose to disable the Company Password on the login screen. In that case, this screen is not an option in the Admin menu. Although this password doesn’t expire, higher security is gained when the business routinely changes this and when an employee leaves the business. Business Banking Certification: Administering the Customer Platform

28. Administration – Login Credentials – Change User Password Change User Password: Allows the user to change their User Password at any time. An email notification of the change is sent to user. The default password requirements are 6 to 16 characters in length.  NOTE: Users are prompted to change their password after they have been reset by the Company Administrator and/or User Administrator or after the specified amount of days, set by the financial institution, has elapsed. Below is a list of some common password choices to avoid: • Name, or family member’s name, or pet’s name • Social Security, Account, Phone #s • Any part of physical address • Anybody’s birth date • Other information that is easily obtained • Any username on the computer in any form • A word in the English or foreign dictionary • A password used on another site • Any of the above spelled backwards • Out of Wallet or Public Records (e g Mother’s maiden name) • Sequences: “12345678,” “222222,” “abcdefg” Business Banking Certification: Administering the Customer Platform

29. Administration – Login Credentials – Change Email Address Change Email Address: Allows the user to change their own email address at any time. An email notification of the change is sent to the old email address and to the new email address, as well as to the Company Administrator. This will not change any email addresses associated with any Sweeps, Alerts, Recurring Transfers previously setup by the user.  Furthermore, this does not impact MFA email addresses, The financial institution can disable this feature under Polices in the FI Admin Platform. MFA note: If MFA is enabled for the Customer Platform, this email address is NOT the one tied to MFA. MFA emails are indicated on the User Profile Maintenance screen. Business Banking Certification: Administering the Customer Platform

30. Administration – User Preferences Change User Preferences: Allows the user to establish which screen they wish to have the system display upon logging in to the system. Typically, a user would choose the screen they use most often. Business Banking Certification: Administering the Customer Platform

31. Administration – Change Timeout Change Timeout: Allows the Company Administrator and User Administrator to determine how long the Business Banking system will remain active without any interaction from the browser. Once the timeout limit has expired, the system will become dormant and the user is required to log in again. NOTE: This is a global setting that applies to ALL company users. Business Banking Certification: Administering the Customer Platform

32. Administering the System • Practical Applications • How many end users can a Company Administrator create profiles for in Business Banking? • What is the difference between Sweeps and Balance Alerts? • Can the Company Administrator and/or end users change their own email addresses? User Passwords? • Who can change the Company Password? • Under what circumstances would the Company Password not display on the login screen? • Is the timeout set by the Company Administrator global or individual? Business Banking Certification: Administering the Customer Platform