ONLINE BANKING FORBUSINESS - BMO Capital Markets

[Pages:222]ONLINE BANKING FOR BUSINESS

USER GUIDE

CONTENTS

GETTING STARTED WITH ONLINE BANKING FOR BUSINESS

5

Technical Requirements

7

Trusteer Rapport

8

Logging into Online Banking for Business

9

Resetting a Forgotten Password

10

Setting Up a SecurID Soft Token on Your Computer

12

Downloading the RSA SecurID Software for Your Computer

12

Installing the RSA SecurID Software on Your Computer

13

Importing a Software Token for Your Computer

15

Setting Up a SecurID Soft Token on Your RIM BlackBerry Smartphone

18

Downloading the RSA SecurID software for Your BlackBerry

18

Installing a SecurID Soft Token on Your BlackBerry

18

Importing a Software Token for Your BlackBerry

20

Changing the Password for the SecurID Token on Your BlackBerry

21

SecurID Authentication with a PIN

23

SecurID Authentication When Setting Up a New PIN

24

Online Banking for Business at a Glance

27

Locating Your Services in Online Banking for Business

27

List Pages

28

Searching for Items in a List

29

Sorting a List

30

Exporting Data from a List

31

Create and Modify Pages

32

View Pages

33

Date Formats

33

VIEWING YOUR HOME PAGE

34

Viewing Your Login History

36

Viewing Your Account Balances

37

Viewing Your Current Day Balance Details for a Deposit Account

40

Viewing Your Previous Day Balance for a Deposit Account

42

Viewing Your Corporate Credit Card Balance Details

44

Viewing Your Loan Balance Details

47

Viewing Your Line-of-Credit Balance Details

49

Viewing Your Investment Balance Details

51

Customizing the My Balances Section of Your Home Page

53

Viewing Your Pending Approvals

59

Viewing Your Bulletins

64

Viewing Your Alerts

66

Troubleshooting Your Home Page

70

ACCOUNT INFORMATION

71

eStatements Canada

72

Enrolling Your Company in eStatements

72

Entitling Users to eStatements

72

Assigning Contracts to Users in eStatements

73

ONLINE BANKING FOR BUSINESS ? USER GUIDE FOR ASSISTANCE, PLEASE CALL THE HELPDESK:

PAGE 2 CANADA: 1-800-565-6444 | LOCAL 416-867-4818 | US: 1-866-867-2173

Viewing eStatements

73

PAYMENTS AND RECEIVABLES

75

Tax and Bill Payments

76

Enrolling Your Company in Tax and Bill Payments

76

Managing Tax & Bill Payments

79

Creating a Payment Profile

81

Modifying a Payment Profile

82

Paying Taxes and Bills

83

INVESTMENTS AND TRADING PRODUCTS

85

Foreign Exchange

86

ADMINISTRATION AND PREFERENCES

87

Alerts

88

Managing Your User Profile

89

Viewing Your Service Entitlements

93

Service Setup Requirements

95

Company Profile

96

Requesting Changes to Your Company Profile

100

Reviewing Changes to Your Company Profile

101

Viewing Your Company's Service Entitlements

105

Services With Additional Company Setup

107

Account Information ? Company Service Entitlements

107

Account Transfer ? Company Service Entitlements

108

ACH ? Company Service Entitlements

109

Activity and XReports ? Company Service Entitlements

112

Balance Report ? Company Service Entitlements

113

Book Transfer ? Company Service Entitlements

113

Cash Concentration ? Company Service Entitlements

114

Cheque Imaging ? Company Service Entitlements

117

ERD ? Company Service Entitlements

118

Homepage Balances ? Company Entitlements

118

Recon Management ? Company Service Entitlements

119

Stop Payment (Canada) ? Company Service Entitlements

121

Stop Payment (US) ? Company Service Entitlements

122

System Mail ? Company Service Entitlements

122

Wire Payment (Canada) ? Company Service Entitlements

123

Wire Payment (US) ? Company Service Entitlements

126

Managing Users

130

User Statuses

131

Managing SecurID Tokens

132

Ordering SecurID Tokens

132

Enabling SecurID Tokens

133

Disabling SecurID Tokens

134

Reassigning SecurID Hardware Tokens

135

Resetting SecurID Tokens to New PIN Mode

136

Returning SecurID Hardware Tokens

137

Resetting a User Password

137

ONLINE BANKING FOR BUSINESS ? USER GUIDE FOR ASSISTANCE, PLEASE CALL THE HELPDESK:

PAGE 3 CANADA: 1-800-565-6444 | LOCAL 416-867-4818 | US: 1-866-867-2173

Viewing a User

138

Viewing User Service Entitlements

140

Modifying a User

142

Modifying User Service Entitlements

144

Creating a User

146

Creating User Service Entitlements

147

Working with User Profiles

149

Working with Service Entitlements

152

Viewing the History of Changes to a User

154

Services Requiring Additional User Setup

155

Account Information ? User Service Entitlements

156

Account Transfer ? User Service Entitlements

158

ACH ? User Service Entitlements

160

Activity and XReports (Audit Reports) ? User Service Entitlements

164

Alerts ? User Service Entitlements

165

Balance Report ? User Service Entitlements

168

Book Transfer ? User Service Entitlements

171

Cash Concentration ? User Service Entitlements

172

Cheque Imaging ? User Service Entitlements

174

Direct Cheque/First Bank Automated Clearing Services ? User Service Entitlements

175

Electronic Funds Transfer ? User Service Entitlements

177

ERD ? User Service Entitlements

179

File Transfer Facility ? User Service Entitlements

180

Homepage Balances ? User Service Entitlements

182

Lockbox Imaging, Retail ? User Service Entitlements

183

Recon Management ? User Service Entitlements

184

Safekeeping ? User Service Entitlements

186

Stop Payment (Canada) ? User Service Entitlements

187

Stop Payment (US) ? User Service Entitlements

189

System Mail ? User Service Entitlements

191

Tax & Bill Payments ? User Service Entitlements

192

Wire Payment (Canada) ? User Service Entitlements

193

Wire Payment (US) ? User Service Entitlements

197

Managing Approvals

200

Approving Users

200

Reviewing a User

202

Audit Reports

205

User Access Change Report

205

User Activity Audit Report

206

SOLUTIONS AND RESOURCES

208

GLOSSARY

209

INDEX

212

ONLINE BANKING FOR BUSINESS ? USER GUIDE FOR ASSISTANCE, PLEASE CALL THE HELPDESK:

PAGE 4 CANADA: 1-800-565-6444 | LOCAL 416-867-4818 | US: 1-866-867-2173

GETTING STARTED WITH ONLINE BANKING FOR BUSINESS

GETTING STARTED WITH ONLINE BANKING FOR BUSINESS

Welcome to Online Banking for Business. Online Banking for Business is a powerful suite of web-based treasury management tools to help you manage cash flow easily, effectively and strategically. A customizable homepage allows you to control and personalize the information that is most important to your business, right up front. Monitor accounts and transactions in real time. Verify the status of payments and receivables. Search and retrieve cheque images at your convenience. Make electronic payments and transfer funds between accounts in seconds, all via the Internet. Like turning on the ignition in your car, simply login and you'll access all of your treasury management services, including Canada, US, UK, Euro services, wholesale lockbox, cheque images, lockbox imaging, electronic funds transfer, and foreign exchange.

This user guide is also available as an online help system. To open the help system from within Online Banking for

Business, click the Help link

from any page or the help icon on any section title bar.

Note about user access: Depending on your job, you may not be able to view all pages, or all functions in a page, or perform all the tasks outlined in this guide.

In addition to this Getting Started section, this guide contains the following sections:

"Viewing Your Home Page" on page 34

This section describes how to use the Home page, which is displayed immediately after you log into Online Banking for Business.

"Account Information" on page 71

This section describes the services available on the Account Information menu. To access help, click the Help link within the services.

"Payments and Receivables" on page 75

This section describes the services available on the Payments & Receivables menu. To access help, click the Help link within the services.

"Investments and Trading Products" on page 85

This section describes the services available on the Investment & Trading Products menu. To access help, click the Help link within the services.

"Administration and Preferences" on page 87

This section describes the services available on the Administration & Preferences menu. It describes viewing your own user profile and viewing reports. It also describes tasks that are relevant for administrators only, such as managing your company profile, users, and approvals.

"Solutions and Resources" on page 208

This section describes the services available on the Solutions & Resources menu. To access help, click the Help link within the services.

This Getting Started section includes the following subsections. Click any link to open the corresponding topic.

ONLINE BANKING FOR BUSINESS ? USER GUIDE FOR ASSISTANCE, PLEASE CALL THE HELPDESK:

PAGE 5 CANADA: 1-800-565-6444 | LOCAL 416-867-4818 | US: 1-866-867-2173

GETTING STARTED WITH ONLINE BANKING FOR BUSINESS

TECHNICAL REQUIREMENTS

7

TRUSTEER RAPPORT

8

LOGGING INTO ONLINE BANKING FOR BUSINESS

9

RESETTING A FORGOTTEN PASSWORD

10

SETTING UP A SECURID SOFT TOKEN ON YOUR COMPUTER

12

SETTING UP A SECURID SOFT TOKEN ON YOUR RIM BLACKBERRY SMARTPHONE

18

SECURID AUTHENTICATION WITH A PIN

23

ONLINE BANKING FOR BUSINESS AT A GLANCE

27

ONLINE BANKING FOR BUSINESS ? USER GUIDE FOR ASSISTANCE, PLEASE CALL THE HELPDESK:

PAGE 6 CANADA: 1-800-565-6444 | LOCAL 416-867-4818 | US: 1-866-867-2173

GETTING STARTED WITH ONLINE BANKING FOR BUSINESS

TECHNICAL REQUIREMENTS

TECHNICAL REQUIREMENTS

The following browsers and system requirements are recommended for the best performance: Supported Browsers

Internet Explorer 6, 7, 8

Minimum System Requirements 486/66-Mhz processor or higher (Pentium? III Processor recommended) with a Windows? based operating system (Windows Me, NT? 4.0 with SP6a and higher, 2000, or XP). Encryption Online Banking for Business is a secure site requiring a higher level of encryption security than what you might have installed on your computer. Your browser must be enabled with 256-bit encryption in order to access the system.

ONLINE BANKING FOR BUSINESS ? USER GUIDE FOR ASSISTANCE, PLEASE CALL THE HELPDESK:

PAGE 7 CANADA: 1-800-565-6444 | LOCAL 416-867-4818 | US: 1-866-867-2173

GETTING STARTED WITH ONLINE BANKING FOR BUSINESS

TRUSTEER RAPPORT

TRUSTEER RAPPORT

Enhance your security by downloading Trusteer Rapport, a robust online fraud and identity theft protection solution, at no charge. Trusteer Rapport adds another layer of protection to your existing antivirus and firewall software by safeguarding the connection between the bank and your computer against common online threats. The software also verifies that you are accessing the banks's genuine Online Banking site and not a phishing website claiming to be the bank, and it will take less than a minute to download onto your PC. The software is now available for download from our genuine Online Banking sites login pages.

Note: If you already have Trusteer Rapport security on your PC, you do not need to re-download the software to use it when you are banking online with the bank. The site will already be configured to be protected.

For more information, or should you have any questions, please contact your Sales Representative.

ONLINE BANKING FOR BUSINESS ? USER GUIDE FOR ASSISTANCE, PLEASE CALL THE HELPDESK:

PAGE 8 CANADA: 1-800-565-6444 | LOCAL 416-867-4818 | US: 1-866-867-2173

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