business online banking & bill pay€¦ · 4 © 2018 vectra bank colorado, a division of zions...

Business Online Banking

& Bill Pay

Guide to Getting Started

https://www.vectrabank.com 2 © 2018 Vectra Bank Colorado, A division of Zions Bancorporation, N.A. Member FDIC

What’s Inside…

Welcome to Vectra Bank Business Online

Banking. Whether you’re at home, at work, or

on the road, our online services are here for

you 24 hours a day, seven days a week.

This guide is designed to answer your

questions about Business Online Banking

and Business Bill Pay and explain how these

services can help you manage your finances

online.

Learn how to:

View account information

Transfer funds

Pay and manage bills

Receive statements online

User Administration

Contents

Security at Vectra Bank .................................................................... 4

Getting Started Online ...................................................................... 5

Setting Up SecurEntry™ .................................................................... 6

My Bank Overview ............................................................................ 7

Account Preferences ......................................................................... 8

Change Account Preferences ........................................................... 8

Manage My Favorites View .............................................................. 8

Message Center ................................................................................ 9

Secured Messages ............................................................................ 9

Security Alerts .................................................................................. 9

Account Alerts .................................................................................. 9

Personal Reminders .......................................................................... 9

Search Transaction History ............................................................. 11

Download Account Transactions .................................................... 12

eStatements and eNotices .............................................................. 13

Transfer Funds ................................................................................ 14

Add Transfer-to-Friend Accounts ................................................... 15

Bill Pay Overview ............................................................................ 16

Add Biller ........................................................................................ 16

Make Bill Payments ........................................................................ 16

Schedule Repeating Payments In Advance .................................... 17

Receive Your Bills Electronically ..................................................... 17


Make Bill Payments with Invoices .................................................. 17

Setting Up Account Entitlements .................................................... 18

Dual Authorization .......................................................................... 21

Employee Direct Deposit ................................................................. 22

Recipients ....................................................................................... 22

Create a New Template .................................................................. 23

Create a New Payment ................................................................... 24

Other Services ................................................................................. 25

Request a Copy of a Check, Deposit, Withdrawal, or Statement... 25

........................................................................................................ 25

Request Stop Payments ................................................................. 25

Enhanced Account Protection ........................................................ 26

Contact Us ....................................................................................... 27

Note: the information in this Guide, and the look, feel, and

operation of Vectra Business Online Banking, are all subject to

change by Vectra Bank at any time, with or without prior notice.


Security at Vectra Bank

What We Do: Vectra Bank understands the importance of customer security. We employ many different types of technology to help protect

your funds and account information when you use Business Online Banking. For example:

We use Secure Sockets Layer (SSL) technology to encrypt and to help protect your data as it crosses the Internet.

We open sessions when you access Business Online Banking, which expire within minutes of inactivity on your browser.

We employ detection and prevention technologies to help protect our network and access to your information.

We email Security Alerts to you automatically when certain high risk activities occur online, such as Login ID changes, password changes,

or when new Transfer-to-Friend Accounts are added to your profile.

What You Can Do: Internet Security is a cooperative effort and we encourage you to exercise safe online banking practices, including:

Keeping your information secure: don’t share or write down your username or password; monitor your account daily, and report any suspicious

activity immediately; and sign up for eStatements to keep paper statements from waiting in your mailbox for others to steal.

Keeping your computer secure: use anti-virus and anti-spyware software and update them regularly; install intrusion prevention software; close your

browser after logging out of your account; and update your browser to make sure you have the latest version.

Bookmarking https://www.vectrabank.com: access your Vectra account by clicking on that bookmark, or by typing that address into your browser

directly, rather than clicking on links embedded in emails or other websites; before entering your login credentials, verify that the “s” in “https” appears in

your browser address line.

Sign up for the services listed below

Services Available to You: Vectra Bank has products and services designed specifically to help you avoid internal security

breaches. We invite you to take advantage of these services to improve your internal security:

Install IBM Security® Trusteer RapportTMBrowser Protection Software: Vectra lets you download Trusteer Rapport* security software from IBM

Security free of charge! Run Trusteer Rapport in addition to your anti-virus, anti-malware, and firewall software. Trusteer Rapport helps you protect your

browser from malware attacks and fraudulent websites. Trusteer Rapport’s innovative technology helps pick up where conventional security software fails.

Opt out of traditional paper statements and receive only eStatements: Avoid paper statements sitting around in your mailbox waiting for you to

retrieve them. Online statements are password protected and encrypted on our online banking platform. Register for free eStatements in Online Banking.

Use Business Bill Pay to eliminate mail fraud: Stop the fraudsters from stealing your account information by directly receiving e-bills and paying

them online.

Enroll in Enhanced Account Protection: This mobile-based transaction authentication service adds an additional layer of security in Business

Online Banking. Transactions that meet the threshold defined by Vectra Bank require SMS authentication before they can be completed.

Enable Dual Authorization: This service requires authorization from one or two designated approvers, before other business users can complete

certain online activity in Business Online Banking, including transfers over a designated amount and changes to User Entitlement settings.

*By downloading and installing IBM® Security Trusteer Rapport™, you agree with all of IBM Security’s terms and conditions. Zions Bancorporation, N.A. and other members of the Zions Bancorporation family of companies are not associated with IBM and are not

responsible for and do not guarantee the content, services or operation of Trusteer Rapport. All problems, questions or concerns regarding IBM Security Trusteer Rapport should be directed to http://www.trusteer.com/support/submit-ticket. IBM® and Trusteer

Rapport™ are trademarks or registered trademarks of the International Business Machines Corporation, registered in many jurisdictions worldwide.

http://www.trusteer.com/support/submit-ticket


Quick Tip: For your protection, if you or someone trying to access your accounts uses an invalid password three times, we will block your

account. To regain access, please call us at 1-800-884-6725 Monday to Saturday 7am to 8pm MST. Once we confirm your identity, we will give

you a temporary password.

Getting Started Online Logging into Business Online Banking is easy. Just open your Web browser and type vectrabank.com in the address line*. You’ll be able to view

your account information, transfer funds and more in seconds.

Not banking online yet? Call Business Online Banking

Support at 1-800-884-6725 to get started today.

Looking for the nearest branch? Enter a zip code in

our ATM & Branch Locator tool.

*Look for the “s” in the “https” to verify you are at our

secured site and then bookmark the page for future use.

Avoid accessing your accounts by clicking links

embedded in emails or other websites

Open your Web browser and type

https://www.vectrabank.com.* 1

• Enter your Company ID and User ID.

• Enter the password.

• Click the red arrow to proceed to

Business Online Banking

2


Setting Up SecurEntry™ Vectra Bank has encryption, firewalls and intrusion monitoring systems in place to help prevent fraud. When logging in for the first time, you will be

asked to provide identifying information that will help our system to recognize you when necessary.

1. Choose SecurEntry Challenge

Questions from the drop down menus.

2. Provide an answer to each Challenge

Question.

3. Click Continue.

4. Review the answers you provided and

then click Submit.

These steps add extra layers of

identification to help confirm it’s really you

logging in.


My Bank Overview My Bank Overview is the first page you see once you log in to Business Online Banking. Here’s where you can see an overview and summary of

your Vectra Bank accounts.

From the My Bank page, you can:

Navigate to almost any

feature in Online Banking

with one click

Create My Favorites

account views.

View prior day, current

and available balances.

See different account

types in your profile.

Click the Account Name

to display detailed history

for that account.

Initiate Quick Transfers

between accounts.

Contact us, get help, or

log out of Online Banking.

View date and last login.

Click the Red Arrows to

expand/collapse panels.

View outstanding

messages from the Info

Center.

See scheduled, pending

and cleared transactions.

Review credits and debits

posting to your accounts.

Review multiple pages of

transaction history.


Account Preferences

Change Account Preferences

The Change Account Preferences page enables you to set preferences

specific to each of your accounts in relationship with Business Online

Banking.

Use the Change Account Preferences page to:

• Define the account nickname.

• Define the default number of days cleared transactions are

displayed in history.

• Define which account information is displayed in Business Online

Banking.

• Define the default account.

Manage My Favorites View

The My Bank page enables you to define multiple, personalized, account Favorites Views as

well as define the default view displayed on the My Bank page.

Navigate by clicking on the My Bank View link> Manage Favorites View from the My Bank page.

A Favorites View consists of a selected group of accounts. When the view is

selected on the My Bank page, the Account section of the page only displays

the accounts defined in that Favorites View.

You can manage and create new views by selecting the links on the page.


Message Center The Message Center is a centralized location where you can work with messages, alerts, and reminders. You can manage alerts and reminders for

notification of account and transaction activities and events. These notifications are delivered to one or more locations, based on your defined

delivery options. The Manage Alerts page enables you to create, edit, view, or delete alerts.

Secured Messages

The Messages feature in Online Banking enables you to send,

receive, and view secured messages from the Vectra’s Online

Banking Support Team.

Security Alerts

When profile adjustments are made to your Business Online

Banking profile, security alerts are automatically sent to your

email address to provide you with information, such as when

your password or login ID were changed.

Security Alerts are automatically sent by email for the following

online activities:

• New Transfer-to-Friend Account added to profile

• Login ID Change

• Password Change or Reset

• Entitlement Requires Approval

• Transfer Requires Approval

Account Alerts

These alerts are optional. You can choose which alerts you want to receive, and then define specific details of the message. Account Alerts

include period balance, alerts that an account balance is over or under a certain dollar amount, and successful transfers.

Personal Reminders

Reminders are notifications you can create to help you remember an event or task. You could set up reminders, for example, to remember

to make a loan payment or to reorder checks


Quick Tip: You can sort your transactions

by date, type, description, status, debit, or

credit by clicking on the column headings.

Account Activity

You can get detailed information* in two ways. You can either select an account from the list on the My Bank page, or you can use the Account

Register link under the Accounts tab from the navigation menu.

1. From the Accounts tab, choose Activity.

2. Use the Account Register Selection to select

an account and search by categories such as

date range, check number, and more.

3. Click View to see an overview of the account

for the search by category you selected.

4. View up to 18 months of your transaction

history, as well as pending transactions,

scheduled payments, scheduled transfers, and

check images.

5. Click on transaction links to see more detailed

information, to view check images, or to adjust

scheduled transactions.

*Detailed transaction history is not available for certain

account types.


Search Transaction History The Transaction Search page also makes it easy for you to locate and view detailed information about specific transactions. You can also view

images of cleared checks and deposits by clicking on the transaction link.

1. Select account(s).

2. Choose the type(s) of transaction you are looking for: ATM,

Check, Credit, Debit, Deposit, Fee or select All Types.

3. Enter a reference ID, date, or amount. If you don’t know

the exact information, use the range search.

4. Click Search


Download Account Transactions To help manage your finances, download your transaction data into financial management software, such as Quicken® or QuickBooks®. Save time

and monitor your cash flow with this convenient feature.

1. From the Accounts menu, choose Balances.

2. Select the appropriate download option. If your

software is not on the list, you can choose the .csv

format, which is compatible with most spreadsheet

applications.

3. Click the Download button. The Download Activity

page appears.

4. Click to select the check boxes for the accounts to

download.

5. Select one of these options: All transactions since last

download or date option.

Quick Tip: Use your financial management

software, such as Quicken® or QuickBooks®, to

reconcile your accounts and forecast account

balances.


eStatements and eNotices Receiving statements and notices online saves time and cuts down on paper clutter. This service is available for eligible deposit accounts and

loans. 18 months of statement history will be stored online. Online statements have the same information as the paper version, and are available

sooner. The bank notifies you through email when an eStatement or eNotice is ready.

1. From the Accounts tab or from the Services

menu, select eStatements/eNotices

2. Select the Enroll – Stop Paper Documents

link under Quick Links to enroll into

eStatements or eNotices

3. Select to receive electronic versions of

statements, notices, or both. Choose to go

paperless by selecting the check box next to

the account in the enrollment preferences

4. And that’s it! Online delivery will begin at the start

of the next statement cycle.

5. Once enrolled, filter account statements or

notices by selecting the account, document type,

and the time period desired.

6. Select the specific document by name to view the

statement or notice.

7. View a list of eNotices or your Statement Inserts

using Quick Links.


Transfer Funds From the Transfers menu, you can access the Transfer Center, where you can create, edit and view transfers. You can also create, edit, delete, and

view transfers to your internal accounts and Transfer-to-Friend Accounts.

The Transfer Center provides a central place where you

can view and manage transfers among your Vectra

Accounts. Using this page you can:

• View a list of scheduled, completed and all transfers by

a specified date range

• Create a printable view of the transfers list

• Create a transfer

• View and print a transaction receipt

• View an individual transfer

• Edit a scheduled transfer

• View the history for a scheduled transfer

• Delete a scheduled transfer

Other Accounts provides a central place

where you can view and manage your

Transfer-to-Friend Accounts.

• Add Transfer-to-Friend account

• Change nickname for the accounts

• Delete accounts you no longer need


Add Transfer-to-Friend Accounts

Transfer-to-Friend Accounts are owned by someone

else. Your permission with this account type only

allows you to “transfer to” the account. You can add a

Transfer-to-Friend account to which you can transfer

funds, as long as the friend’s account is held at Vectra

and the friend is also enrolled in Business or Personal

Online Banking.

Enter your friend’s Vectra account

number. Once added, this account will

be displayed in the transfer list of

available accounts to credit.


Bill Pay Overview Pay bills your way with Business Bill Pay. It saves you time and is convenient. You can schedule recurring payments for bills that are due the same

time each month, like your rent or utilities payment. Or, make payments manually each time. You choose.

Add Biller

To begin paying bills, you need to add a biller (payee). A biller is

any company or person you pay, such as your utility company or

cable provider. You’ll need biller information (i.e., a recent bill or

statement) to get started.

1. Select the Add a Bill button, and select whether it is a

company or a person; then specify the biller name.

2. You will then be instructed to provide the account number (if

there is one) and billing address of the payee.

3. Click Add Bill and the new payee will be added to your

payee list.

Make Bill Payments

Making payments with Bill Pay is easier than writing a check.

Select the payee and enter the amount and date you want your

payment delivered by. Then click Make Payments. The item will

move to the Pending Payments section. You can edit or cancel a

payment up until it is processed.


Schedule Repeating Payments In Advance

Pay regularly occurring bills for a fixed amount, such as rent or car

payment.

1. Select Add an automatic payment from Manage My Bills.

2. Set the specifics (amount, frequency, delivery date, etc.).

Receive Your Bills Electronically

An E-bill is an invoice from a biller that you can view and pay online through

Business Bill Pay. E-bills contain the same information found in a paper bill.

If your biller has the capability to send an E-bill, there will be an option next

to the name.

1. Select Get Bill next to the payee to start a Trial E-bill or set up your E-

bill service. (A Trial E-bill allows you to try the service for 90 days while

still receiving a paper bill in the mail.)

2. Follow the simple steps to continue the E-bill service!

Make Bill Payments with Invoices

You can also choose to make payments from invoices, for more thorough

documentation of payments to other companies. To get started, please

identify the invoice you would like to set up and pay.

1. In the Payment Center, click Add Invoices for the desired payment.

2. Specify the details related to the payment, including any invoice or discount information.

3. Click the Add Invoice button.


Setting Up Account Entitlements You may have some people who help take care of your finances for you. Business Online Banking lets you designate other trusted users to access

your business accounts and perform specific functions online. Entitling other users saves time and gives the business more flexibility. And keep in

mind that at all times, the Customer System Administrator, or CSA, maintains control over the level of access and what can be seen and done

online.

Add a New User

Adding a new user and assigning entitlements is simple.

The administrator begins by selecting the Add a New

User link from the Admin tab.

1. Create a Login ID and Temporary Password for the

new user. (When logging in the first time, the new

user creates his or her own password).

2. Then, fill in the user’s information. Making the status

active allows that person to log in to the business

profile online.

User Access Settings

3. Configure the User Access with the appropriate

security level.

Customer System Administrators, or CSAs, are

granted administrator permissions to the

business’s Online Banking profile. They can add

new users, reset passwords, change user

entitlements, or even delete user profiles.

Approvers allow the user to approve activity

initiated by other business users. Note: This

option is only available when the business is

enrolled in Dual Authorization, which is detailed in

the Dual Authorization section below.

4. Lastly, configure the type of access for the new user.


Custom User Access

Custom access designates the specific accounts

the new user may have access to, and what he or

she is able to see and do in Business Online

Banking. There are two levels of customized

access that can be configured by a CSA.

1. The first level is configured by selecting the

accounts that the user should have access to.

If Entitle user for Transfer to Friend is

selected, then the new user will be able to

view and make transfers to the current

and future Transfer to Friend accounts for

the business.

2. The business accounts are also listed. Assign

an access level to each, as well as Daily

Limits and Transaction Limits, both of which

cannot exceed the standard bank limits.

If the new user is granted custom access

on any of these accounts, the CSA will

configure the specific account services for

each account on the next page.

3. Click Save and Continue


Custom Account Entitlements

The second level of custom

entitlements is configuring the access

to different account services for each

account. Access can be granted to

services under information reporting,

payments, templates, and other

services.

1. Select which services the user

should have access to for each

account.

Use the arrows on the right to

expand or collapse the

different accounts selected for

custom access.

2. When all desired services are

selected, click Save and

Continue.

The customized user is now added to

the business profile!


Dual Authorization Dual Authorization is an optional service that enables a company to require TWO business users to make changes to make entitlement changes or

to approve certain transactions initiated by another user. One business user must make the request and another designated Approver must approve

the request. An example is included below to demonstrate how to approve changes made to a user profile. (Note: the following only applies to

clients with enrolled in Dual Authorization. To enroll, please contact Customer Support or go into a branch to complete an Online Banking

Addendum for this service)

If Dual Authorization is enabled for a business, transactions submitted over the authorized amount or changes made to user entitlements requires

approval by another user who is designated as an Approver.

An email and/or Info Center alert is sent to an Approver to notify them of any

outstanding approvals.

The Approver can click on the link within the Info Center to begin approving the

activity.

From the Admin tab, CSAs can view the users who are

designated as an Approver. The business owner, Mike,

added and customized a new user profile for his

accountant. Since he cannot approve his own activity,

Alice, who is designated as another approver can now

approve Mike’s changes by clicking on the Approval

Required link under Approval Status.

The Approver reviews the information and User

Access. They have the option to write a memo to the

user who originated the request, and can either Reject

or Approve the change. A message is sent to the

originator’s Web Inbox confirming the rejection or

approval.


Employee Direct Deposit ACH is an efficient and convenient way to schedule and send electronic payments to other financial institutions, such as employee payroll through

Direct Deposit. Once your business is set up with ACH, you can create Direct Deposit payments for your employees. You can even create payment

templates and recipient lists to ease the process for sending regularly recurring Direct Deposit payments.

Recipients

The Recipients page provides a list of recipients used

when making ACH payments. As you create

recipients, they are added to the recipient list where

you can access them for future payment instructions.

1. To add a recipient, click the Create Recipient

link.

2. Complete the payee information, payment

amount and bank information fields.

3. Preview and Submit the recipient. You’ll

receive confirmation the recipient was added to

your recipients list.

4. Employees from the recipients list will be

selected when creating payment templates.


Create a New Template

A payment template provides common information for payments made on a regular basis or payments that contain much of the same criteria. You

can create a template to speed the process of entering payments where information is repetitive and similar to other business payments you create.

1. Create a Direct Deposit template from the

drop down menu.

2. Enter the template name, pay from account,

and maximum payment amount if needed

3. Either add new recipients or choose from a list

of previously created recipients.

4. Select the recipients to include in this template.

5. Click the Add button.

6. Enter any default payroll amounts for each

recipient. This is useful when paying

employees on a salary wage.

You can also use the Prenote function to

ensure the recipient account was entered

correctly. This sends a $0 transaction

through ACH to the recipient bank for

account verification, which can take up to 6

banking days.

7. Preview the information… and click the

Submit button, or Submit and Initiate button,

which then takes the user to a page to initiate

the Direct Deposit payment.

8. Confirmation will display when the

ACH Direct Deposit template was

added.

You can now send a quick Direct

Deposit payment to many of your

employees in as little as 3 clicks!

.


Create a New Payment

Now, you can set up one-time or recurring business payments from the payment templates.

Here are the steps for creating a one-time business payment from a template:

1. From the Templates page, under the ACH menu, choose the Initiate option next to a previously created template.

2. Select the effective date to schedule the payment in the future and/or make it a recurring payment. You can also choose settlement options to

have the debit post once for the entire payment or once for each recipient.

3. Enter the payment amounts for each

recipient.

4. Review the total payment listed at the

bottom.

5. Preview the payment and Submit.

6. The new payment will then be listed in

the Payment Center.


Other Services The Services menu provides you with other online services that are convenient, that save time, and that can be done right within Business Online

Banking. There’s a variety of online service options available to you.

Request a Copy of a Check, Deposit, Withdrawal,

or Statement

Occasionally you may need to order a copy of a check or a

withdrawal slip.

Simply fill in the details, submit the request, and the bank will send

the item through the mail. It’s just as easy to request copies of other

items.

Keep in mind that you still have the option of viewing copies of

checks and transaction slips in your online transaction history or

even in your eStatements.

Request Stop Payments

You can also make online requests to stop

payment on certain types of checks.

Simply fill in the details, submit the request, and

the bank will begin processing the stop payment.

Online requests to place stop payments can take

one full business day to take effect.


Enhanced Account Protection

Enhanced Account Protection, or EAP, is a mobile-based transaction authentication service that adds an additional layer of security to help protect

your business from fraudulent transactions. If your business is enrolled in EAP, certain online activity will require authentication via SMS text

messages before the request can be completed.

1. When online activity requires EAP, your business user

is presented with a page where they must successfully

enter the correct PIN and SMS token code before the

online request can be completed.

The PIN is defined by the business user when they

enroll in Enhanced Account Protection.

2. The token code is system-generated and is sent to the business user’s mobile device as a text

message, along with the transaction information or activity being requested.

This unique token code is only valid for one transaction at a time and expires after 8

minutes.

The business user can also become locked if there are too many unsuccessful validation

attempts.


Contact Us

Ready When You Are. Banking at Vectra.

At Vectra Bank Colorado, we understand the importance of providing access to your financial information when you need it. And we want to be

there when you’d like to speak to a real, live person as well. To contact a Vectra Bank representative by phone (Monday – Saturday from 7am –

7pm MT) please call 1-800-232-8948, or click here to contact us via e-mail, or choose from the other options listed below.

Banking and Customer Service (or to report unauthorized or erroneous transactions): 1-800-232-8948 (Monday – Saturday, 7am - 7pm MT)

Online Banking Support: 1-800-884-6725 (Monday – Saturday, 7am - 8pm MT)

Direct Connect Software Support (Quicken & QuickBooks): 1-800-884-6725 (Monday – Friday, 8am - 6pm MT)

Report a lost or stolen credit card: 1-866-749-7470

Business Services Hotline: 1-866-4-VECTRA (1-866-483-2872) (Monday – Friday, 7:30am – 5:30pm MT)

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