Manage Account Options

What Can I Do? Add or change an account nickname Delete an account Add an account Approve an account Confirm an account Move payments

You must have at least one account set up in Small Business BillPay from which to make payments for your business. The Level 1 User added one or more accounts during enrollment in this service.

What you can do on this page varies based on your authority level, the accounts you have access to, and account status.

The Level 1 User and Level 2 Users can add more accounts on this page. The accounts are then available in a list to select from when you pay bills and set up automatic payments. All accounts added by the Level 2 User must be approved by the Level 1 User.

After an account is added to Small Business BillPay, a Level 1 User or Level 2 User should confirm it. Account confirmation provides an extra level of assurance that the account you added is actually an account you are authorized to use.

To go to My Accounts:

• Click My Accounts on any page.
  The Manage Account Options page opens.

Adding or Changing an Account Nickname

The Level 1 User and Level 2 Users can review, add, or change the nickname of an account. The account nickname appears when you are:

• Paying bills
• Reviewing bill history
• Changing or canceling payments
• Setting up automatic payments
• Moving payments

Note:  The Level 1 User and Level 2 Users can also edit the account nickname from the Account Details page. To change any other account information for an active account, add a new account with the correct information, confirm the new account, and then delete the account with the incorrect information. If you've made any payments from the incorrect account, you may want to move them before you delete the account. To change other information for an unapproved account, Level 2 Users can make changes on the Account Details page. The Level 1 User can make changes during the approval process on the Manage Administration Options page.

To add or change an account nickname:

1. Do one of the following:
• Click Add a nickname for the account you want to name.
• Click Edit in the account list, next to the account nickname you want to change.
  A box appears in which you can add or change information.
2. Type a new or updated nickname in the box.
3. Click Save.
   The box closes and your changes are saved.

Confirming an Account

Confirming an account enables you to use all the features of Small Business BillPay. Unconfirmed accounts have the following limitations:

• Savings Bank of Mendocino County sets a limit on the total amount of all bills you can pay from an unconfirmed account.
• Savings Bank of Mendocino County also sets a limit (usually 45 days) on the total number of days you can make a payment from an unconfirmed account.
• You cannot set up automatic payments with an unconfirmed account.
• You cannot move payments to an unconfirmed account.

These limitations protect your business in case someone uses the account without authorization. When you confirm the account using information that only you or another authorized user can know, we re-evaluate the Small Business BillPay account and remove most of the restrictions. The only limitation for a confirmed account is the payment limit set by Savings Bank of Mendocino County.

Whenever you add a payment account for the business, we make two small deposits and one withdrawal in the account. (The withdrawal is the sum of the two deposits.) The deposits and withdrawal appear on the monthly account statement from your financial institution (either online or mailed to you) with ACCTCONFRM or similar wording in the description. Find this information on the statement and use it to confirm the account.

To confirm an account:

1. In the Status column, click Unconfirmed next to the account you want to confirm.
   The Confirm Account page opens.
2. Check the account statement from your financial institution and find two deposits with ACCTCONFRM or similar wording in the description.
3. In Confirm Deposit Amount 1, type one of the deposit amounts from your statement.
4. In Confirm Deposit Amount 2, type the other deposit amount from your statement.
5. Click Confirm to confirm the account.
   The Manage Account Options page opens again, and the status of the account changes to Confirmed.

Deleting an Account

If you close an account or no longer want to use an account to make payments from Small Business BillPay, you can remove it from the accounts list. Deleting an account cancels all pending payments paid from the account, including automatic payments.

Note: Any Level 1 User or Level 2 User can delete an account. For Level 3 Users, an account can only be deleted if it does not have any pending payments that have already been approved, including any payments that are scheduled automatically.

Tip: If you've made any payments from the account you want to delete, you may want to move them to another account.

Before you delete an account, consider whether it is the one from which service fees are withdrawn. If it is, you must select a different account from which to withdraw the fees. Go to Administration and select the option to change the service fee account.

Note: You cannot delete the last account in the accounts list.

To delete an account:

1. Click Delete Account next to the account you want to delete.
   A confirmation message appears.
2. Click OK to delete the account.
   The account is removed from the accounts list.

Adding an Account

Only the Level 1 User and Level 2 Users are allowed to add an account. All accounts added by an Level 2 User must be approved by the Level 1 User.

To add an account, you need the account number and the financial institution's routing transit number. You can find these numbers on a check or deposit slip for the account.

To add an account:

1. In the What would you like to do? section, click Add an account.
   The account information appears below the add option.
2. In Account Type, select the type of account from which the funds are withdrawn. The account type can be a regular checking account or a money market account with check-writing privileges.
3. In Account Nickname, type something that identifies the account to you. Typing a description for the account name helps remind you which account you are using—for example, Primary Checking or Secondary Money Market.
4. In Routing Transit Number, select the financial institution's routing transit number from the list.
   Tip: You can usually find this number in the bottom left corner of a check, or you can call the financial institution and ask for the number. This number must be correct for the payments to process.
5. In Account Number, type the account number.
   Tip: You can usually find this number at the bottom of a check or on your account statement. This number must be correct for the payments to process.
6. In Confirm Account Number, retype the account number to verify it.
7. Click Add Account.
8. Review the account information and click Finished.
   A message confirms that the new account has been successfully added, and the new account appears in the accounts list.

All accounts must be approved before they are confirmed. Accounts added by the Level 1 User are automatically approved. Accounts added by an Level 2 User must be approved by the Level 1 User.

You should confirm the new account as soon as possible. Confirming the account enables you to use all the features of Small Business BillPay. You can have three unconfirmed accounts in a 12-month period, which includes any account that you delete. If you reach this limit, you must confirm one of the accounts before adding another.

Approving an Account

The Level 1 User must approve any account added by an Level 2 User. Accounts added by the Level 1 User are automatically approved. Accounts are approved on the Manage Administrative Options page.

To approve an account, go to Administration:

• Click Administration on any page.
  The Manage Administration Options page opens.

Note: After an account is approved by a Level 1 User, the Level 1 User or Level 2 User can confirm it.

Confirming an Account

Confirming an account enables you to use all the features of Small Business BillPay. The Level 1 User and Level 2 Users can confirm accounts. Unconfirmed accounts have the following limitations:

• Savings Bank of Mendocino County sets a limit on the total amount of all bills you can pay from an unconfirmed account.
• Savings Bank of Mendocino County also sets a limit (usually 45 days) on the total number of days you can make a payment from an unconfirmed account.
• You cannot set up automatic payments with an unconfirmed account.
• You cannot transfer money to an unconfirmed account.
• You cannot move payments to an unconfirmed account.

These limitations protect your business in case someone uses the account without authorization. When you confirm the account using information that only you or another authorized user can know, we re-evaluate the Small Business BillPay account and remove most of the restrictions. The only limitation for a confirmed account is the payment limit set by Savings Bank of Mendocino County.

Whenever you add a payment account for the business, we make two small deposits and one withdrawal in the account. (The withdrawal is the sum of the two deposits.) The deposits and withdrawal appear on the monthly account statement from your financial institution (either online or mailed to you) with ACCTCONFRM or similar wording in the description. Find this information on the statement and use it to confirm the account.

To confirm an account:

1. In the Status column, click Unconfirmed for the account you want to confirm.
   The Confirm Account page opens.
2. Check the account statement from your financial institution and find two deposits with ACCTCONFRM or similar wording in the description.
3. In Confirm Deposit Amount 1, type one of the deposit amounts from your statement.
4. In Confirm Deposit Amount 2, type the other deposit amount from your statement.
5. Click Confirm to confirm the account.
   The Manage Account Options page opens again, and the status of the account changes to Confirmed.

Moving Payments

You can move pending payments from one account to another. When you move payments, you move all pending payment activity, including any automatic payments and repeating transfers.

Authority Levels

Your authority level determines which payments you can move. Any Level 1 User and Level 2 User can move pending payments (approved or unapproved) to another account. For Level 3 Users, the payments can only be moved if they have not been approved. However, Level 2 Users and Level 3 Users can only move payments to and from accounts that they have access to use.

Note: You can only move payments to a confirmed account.

To move payments to a different account:

1. In the What would you like to do? section, click Move payments.
   The move payments information appears below the move option.
2. In From Account, select the account you want to move payments from.
3. In To Account, select the account you want to move payments to.
4. Click Move Payments.
   The Confirm Move page opens. It lists all of the pending payments that will be moved to the other account.
5. Click Confirm Move.
   The Confirm Move page refreshes and shows all of the transactions that have moved to the new account.
   Note: If you are only moving payments that are scheduled automatically, this step is not necessary. You can go directly to the next step.
6. Click Finished.
   The Manage Account Options page opens.