e-Commerce Banker: Business™ Suite

Balance Reporting and Small Business Banking

In today’s fast-paced business environment, large and small companies need immediate access to time-sensitive financial information to help them make important daily business decisions. With the e-Commerce Banker – Balance Reporting and Small Business Banking™ module, you can provide that information quickly and easily. Based on the most advanced Internet and data warehousing technologies, the system lets you efficiently deliver financial information to business members via the Web.

Featuring multi-user access rights and transaction controls, this module lets your business members effectively control entitlements while easily accessing the financial information they need to effectively manage their daily financial position.

Balance Reporting Systems Benefits

• Provide members with secure, convenient access to information, when they need it
• Reduce reliance on your institution’s resources for account information
• Decrease special requests for daily, weekly or demand cuts for paper statements
• Strengthen your member relationships by helping businesses be more productive and efficient
• Increase fee income with valuable service offerings

Balance Reporting System Key Features

• Secure and comprehensive access to checking, savings, loan and investment accounts
• Search capabilities by date, amount, item number and description
• Book transfers and stop payments
• Real-time, current day, previous day and intra-day reporting
• Multi-company balance reporting
• Account masking
• Secure messaging system
• Transaction categorization and reporting
• Multi-user entitlements for view access and transaction rights

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ACH Origination

Credit Unions are investing more than ever in cash management functionality as a competitive tool that can help them win marketshare. e-Commerce Banker – ACH automates the origination process by allowing your members to initiate secure and accurate ACH transactions including direct deposit of payroll, recurring debits, CCD, state and federal tax payments, ARC, CBR, PBR, CTX, RCK, Web, telephone and POP transactions.

As a credit union, you can strip on-us transactions, consolidate files, and seamlessly upload files to Fedline or your host system. With built-in formats and intuitive screens, e-Commerce Banker – ACH makes ACH origination safe, easy and accountable.

ACH System Benefits

• Strengthen member relationships by offering businesses a practical and affordable ACH solution
• Attract and retain profitable commercial members who are looking for convenient electronic business banking services
• Reduce training and implementation time with intuitive screens, online help and language your business members understand
• Reduce paperwork for credit union personnel
• Increase non-interest fee-income

ACH System Key Features

• PPD, PPD+, CCD, CCD, TEL, WEB, RCK, POP, ARC, CTX, CBR and PBR standard entry class codes
• Transaction and batch dollar limits
• Client-controlled risk management
• Multi-level approvals and hierarchal batch controls by user
• State and federal tax templates
• ASCII File Imports for transactions or amounts
• External NACHA file importing and validation
• Easy-to-use spreadsheet format
• Automatic prenotes
• Multi-company origination
• Secure messaging system
• Temporal risk management reporting
• Generated offset accounts with offset limits
• ACH-NOC’s and return reporting (optional)
• EDI reporting (optional)
• Daily and monthly relationship limits
• ABA validation and look-up

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Wire Transfer

e-Commerce Banker – Wire allows you to automate and streamline the wire initiation process and increase your ability to efficiently process business and branch initiated wires.

With e-Commerce Banker – Wire, clients create wire transfer instructions using pre-defined wire templates. The system converts the information into the proper wire format and delivers a standard file for processing by Fedwire or your back office wire solution. And, to ensure wires are handled properly, the system includes user rights, forced approval levels and comprehensive audit trails for both you and your members.

Wire System Benefits

• Reduce duplication of effort when using manual wire processes
• Minimize the risk and liability of re-keying wire information from faxes and phone instructions
• Improve risk management with multi-level approval functions
• Create useful historical data
• Increase efficiency by decreasing processing time
• Meet the needs of larger businesses that have high wire volumes
• Strengthen your business relationships

Wire System Key Features

• Domestic and international wires using FedWire
• Repetitive, semi-repetitive and non-repetitive wires
• Central administration of wire templates, types, users and approval limits
• Hierarchal user rights and approval levels
• User activity audit trail
• Wire status reporting
• Future-dated wire warehousing
• Expanded Fed funds file export for direct import to fedline or other back-office wire solutions
• Multi-company wire initiation
• Third party and branch initiated wires
• ABA validation and look-up

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