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Business eBanking @ your service Getting Started bankwithunited.com Member FDIC
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Business eBanking @ your service
Getting Started
bankwithunited.com
Member FDIC
Contents
ABOUT BUSINESS EBANKING .............................................................................................................. 1
Overview ................................................................................................................................................... 1 System Requirements............................................................................................................................... 2 Password Requirements ........................................................................................................................... 3
Password Expiration ............................................................................................................. 3 Password Changes ............................................................................................................... 3 Login Attempts and Locked Accounts ................................................................................... 3
Sign On ..................................................................................................................................................... 5 New Users ............................................................................................................................ 5 Existing Users ....................................................................................................................... 7
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About Business eBanking
Overview
Business eBanking is an online banking solution with the following features and functions:
Multiple account type access — personal and business accounts for checking, savings, loan and line of credit
Balance and information reporting with check imaging
Data export to market leading Personal Financial Manager (PFM) software packages and Quicken
®, Microsoft Money
®, and
Quickbooks (via Web Connect). Web Connect is a download function in Business eBanking allowing end users to download account information to their respective PFM or access Business eBanking from within the PFM.
Book/account transfers (internal and external) and reporting
Wire transfer initiation and reporting
ACH transaction initiation and reporting
ACH federal and state tax payment initiation and reporting
Bill payment initiation and reporting
Credit card payment initiation and reporting
Check reorder
Stop payment initiation and reporting
Loan payments, advances, and reporting
File upload – NACHA passthru and checks issued
Downloadable reports
Audit reporting
The purpose of this user guide set is to provide information on Business eBanking services. Your Business eBanking profile determines access to these services.
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System Requirements
To successfully access and use Business eBanking, a PC must meet the following minimum requirements.
Operating System Apple Inc. Safari
Microsoft Internet Explorer
Mozilla Firefox Google Chrome™
Windows 7 64 bit — 9, 10, 11 28 and higher 33 and higher
Windows 8 64 bit — 10
28 and higher 33 and higher
Windows 8.1 -- 11 28 and higher 33 and higher
Mac OS X 10.8 (Mountain Lion™)
6.1 – 6.1.1 — — —
Mac OX 10.9 (Mavericks™) 7 – 7.1 — — —
Browser configured to support:
128-bit encryption
JavaScript
Cookies
Cascading Style Sheets
Browser page cache should be set to get a new version every visit to the page
Hardware:
1 GHz Celeron processor
1024x768 SVGA resolution at 256 colors
500 MB RAM
128 Kbps (slowest DSL) or better
For companies accessing the mobile-optimized version of Business eBanking, the latest versions of iOS, Android, and Blackberry operating systems with their respective default browsers are supported.
Other operating systems and browsers can be used but they might not function properly.
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Password Requirements
The following password requirements apply to all Business eBanking users.
Must be at least eight characters in length but no more than 12.
Must include a combination of two of the following types of characters:
Letters—A through Z, upper and/or lower-case. Passwords are not case
sensitive.
Numbers—0 through 9
Special characters—Pound (#), dollar ($), or at (@).
Cannot include more than three consecutive identical characters. For example, t@llllama is not allowed but t@lllama is.
Cannot be the same as the associated user ID.
Cannot be one of 15 previously used passwords. The exception to this requirement is temporary passwords issued by Business eBanking Administration role users and the financial organization.
Password Expiration Business eBanking passwords expire every 90 days.
Password Changes Business eBanking users can only change their own password once per day using either the Change Password page or Forgotten Password service. This applies to all users regardless of their assigned Business eBanking role.
Subsequent Password Changes
If you have changed your own password using either the Change Password page or Forgotten Password service and need it changed again in the same day, you should contact your company’s Administration role user or your financial organization for a temporary password.
Once you sign on to Business eBanking using a temporary password, you are required to change it.
Login Attempts and Locked Accounts Business eBanking users are allowed three unsuccessful login attempts before their account is locked and access is prevented.
If your Business eBanking account is locked it can be unlocked by:
A Business eBanking user who has the Administration role. A password change is not required in this case.
Your financial organization. In this case, you are given a temporary password and are required to change upon signing on
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to Business eBanking.
Last Login and Inactivity Timeouts
The Business eBanking Welcome page shows the day and time (Eastern Time) of your last successful sign on.
Welcome Page (Last Login Date & Time)
Business eBanking automatically signs you off after 20 minutes of inactivity.
Two-minute Warning
A pop-up window is displayed after 18 minutes of inactivity to warn you that your session expires in two minutes.
If you click Continue within two minutes, your session is extended. If you click Continue after the two-minute warning, you are
automatically logged off of Business eBanking.
Session Time-out Notification
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Sign On
Business eBanking Sign On authenticates a user.
New Users A company’s initial Administration role user is set up by financial organization staff. All subsequent company users are set up by the company's Administration role user directly in Business eBanking.
For users signing on to Business eBanking for the first time, the sign on process includes:
Changing your initial password
Setting up your Secure Sign On credentials (if applicable)
If your organization is using Secure Token Sign on, you may be required to set up a Personal Identification Number.
Initial Password Change
The first step in signing on to Business eBanking for the first time includes changing your initial password, as follows:
1. On the Sign On page, enter your Company ID.
2. Enter your User ID.
3. Click Continue.
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Sign On Page
The Password page is displayed.
Password Page
4. Enter your initial Password.
5. Click Sign on.
The Change Password page is displayed.
Change Password Page
6. Enter a New password using the requirements in the Password Requirements section on page 3.
Note: The characters you enter are masked and display as
asterisks.
7. Re-enter your password in the Confirm new password field.
This allows the system to verify that you know what you have entered.
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8. Click Save password.
If the two character strings you entered are the same, the Change Password confirmation page is displayed.
Change Password Confirmation Page
9. Click Continue.
If your organization uses Secure Token Sign On, the Passcode page is displayed. Use this page to set up your Personal Identification Number, as described in the Secure Token Setup section.
If your organization does not use Secure Sign On, the Business eBanking Dashboard page is displayed.
Existing Users This section describes the sign on process for users who have already changed their initial Business eBanking password and completed the Secure Sign On or Secure Token setup process.
Secure Login
To sign on to Business eBanking, do the following:
1. Fill in the following fields:
Field Description
Company ID Your company's unique identification number.
User ID Your unique identifier.
Sign On Page
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2. Click Continue.
If you are signing on from a device you have not used before, you may be prompted to validate your identity through a one-time security code. See the One-time Security Code section for
details.
If your sign on does not require additional authentication, the Password page is displayed.
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Password Page
3. Enter your password into the Password field.
4. Click Sign In.
The Welcome or Dashboard page is displayed.
One-time Security Code
To help safeguard your information, if you sign on from a device that has not been used before, you may be prompted to complete additional validation of your identity using a one-time security code via a phone call or SMS message (if applicable).
Note: Based on your carrier contract, you may be charged standard
text message rates for SMS messages.
If you are prompted to continue your sign on with a security code, do the following:
1. On the One-Time Security Code page, click Continue with Security Code.
One-Time Security Code Page
The Tell us where to reach you dialog is displayed. For
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security reasons, all but the last four digits of the phone numbers are masked
Tell us where to reach you Dialog
2. Select Phone or Text message (if applicable).
3. Click Continue.
If you selected to be contacted by phone, the Security Code Dialog is displayed with the one-time security code you will need to enter or speak into the phone once you receive your phone call.
Security Code Dialog (phone call)
If you selected to be contacted by SMS text, the Enter your mobile phone number dialog is displayed.
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Enter your mobile phone number Dialog
4. Do one of the following:
If you chose to receive a phone call, speak or enter the displayed one-time security code into your phone. After completing the phone call, click Phone Call Completed.
If you spoke or entered the correct security code, you proceed to the Password or Passcode page (depending on your company's configuration), where you sign on as usual.
If you chose to receive an SMS message, select the appropriate Country/region, enter a Mobile phone number and then click Send Text Message.
If the mobile phone number matches a number on record, a text message containing a one-time security code is sent to your phone and the Enter the Security Code dialog is displayed.
5. For SMS text messages, enter one-time security code displayed on your mobile device into the One-time security code field on the Enter the Security Code dialog and then click Submit.
If you entered the correct security code, you proceed to the Password or Passcode page (depending on your company's configuration) where you sign on as usual.
