Easily access account information and manage your cash flow through the bank's cash management online banking service.
With Empire National Bank's Cash Management Online, you'll enjoy the following features:
*ACH Origination and Wire Transfers are for businesses only and credit approval is required.
To access the demo, please use the following browsers: Internet Explorer (versions 10 & 11) or Firefox 44.
Quick Reference Guides for simple instructions on using Cash Management Online:
This guide is intended to provide instructions for managing the setup and maintenance of your business within Cash Management Online service. Please refer to the Cash Management Online Quick Start for a quick introduction to some of the new features within Cash Management Online service. For even more step-by-step instructions, please refer to the online [Help] guide found within the system itself.
Cash Management Online service requires one user to be designated as the Company Administrator. The Company Administrator will receive full entitlements granted by the Bank, including the Administration role. The Bank strongly recommends designating secondary Company Users with the Administration Role for dual control and backup purposes. The Company Administrator must log into the Cash Management Online service first to add additional Company Users; then grant them access to the necessary accounts and enable transaction features and limits required to perform their jobs.
Transfers and Payments include Bill Payment, Transfers, all functions related to ACH and Wire Transfer origination. The availability of the ACH and Wire Transfer features will be based upon an application process and approval by the Bank.
Company Administrators are responsible for the following functions:
Only Users with an Administration Role have access to these functions within the Cash Management Online Service and they are responsible for verifying this information upon first login as well as maintaining the information going forward.
Prior to setting up and managing Users, the Company Administrator should begin with Managing Account Information and Managing Approval Settings for each account and service that allows Users to move funds both internally (transfers) and externally (ACH & Wire Transfers). Assigning limits and approval settings at the account level provides a benchmark for assigning individual limits and approval entitlements when adding users.
Only Users with the Administrator Role have the ability to add descriptions to accounts. Once a description is assigned, this description will propagate to all users. Note: A second Administrator can assign a different title which will override the original title.
Setting Approval Limits is a sound business practice and recommended by the Bank to process transactions accurately and protect against fraud. The approval settings screen provides for two levels of approvals:
Users with the Administration Role manage Approval Limits for transactions by:
Users with the Administration Role manage Approvals Required for Setup: If desired, companies can require secondary approvals for the setup of payment templates and company administration functions at the company level.
Within Cash Management Online, a Company Administrator must be established by the Bank. The Company Administrator will receive full entitlements granted by the Bank, including the Administration Role. Additional Administrators are strongly encouraged by the Bank and can be added by the Company Administrator by entitling the Administration Role.
Users with the Administration Role are responsible for managing all individual Users required by the Company, including adding/changing/deleting Users, resetting passwords, establishing phone numbers, assigning functionality entitlements and transaction limits. The Bank will not manage Users for the Company.
Administration > Company Administration > Manage Users > Create New User
New User Profile
Note: Extensions requiring a prompt prior to entering the number can be added within the Extension field. Example: If a phone system requires “Press # now to enter an extension” add the # symbol prior to the number in the extension field. It may also be necessary to add a pause (,=2sec, .=5sec) between the # symbol and the number.
Note: If the User will receive text message alerts and/or one-time security code texts, the phone number entered must be Mobile, Mobile2 or Other.
New User Roles
Once the User is created, the Administrator can either assign the User unique roles or model another User’s roles (recommended).
Note: If the User is to be provided with “view only” access, do not select any of the below roles.
Allow Roles and Services
Users with the Administration Role are responsible to provide appropriate account access and entitlements to each User.
Note: If providing a User with access to view accounts, enable Deposit Account Reporting and entitle the accounts to be viewed under Information Reporting. If both of these are not enabled the User will not be able to view accounts.
Assigning User Limits
After the Administrator assigns a User the services and applicable accounts associated with each service, the following screen allows Limits to be established for each service the User was entitled to.
Note: If the User exceeds their established limit, a second approval is required by a User with approval limits above the transaction amount but within the Company Daily Limit or Bill Pay Transaction Limit.
Note: A second Administrator needs to approve the new User setup if required by your organization to have more than one approval for this task.
Edit User Information
Users with the Administration Role are responsible for managing a User’s profile once created. The Administrator will have the ability to edit roles, functions and limits of a User as needed. An Administrator also has the ability to reset a locked User’s profile due to failed password attempts. To edit a User’s profile, choose Manage User under the Administration Menu and click the User ID requiring changes. Note: Reference Express Account Management section for an efficient way to assign roles and services for newly added accounts to a User’s profile.
Unlock User Profile
From the Manage User screen, locate and click on the System Access link to the right of the User name.
Note: An Administrator has the ability to temporarily lock a User’s profile from this same screen by placing a checkmark in the User Locked box.
When the Bank adds new accounts to a Cash Management Online profile, it can be cumbersome for an Administrator to edit each individual User profile for access and entitlements to the new account. The Express Account Management tool allows the Administrator to select a User and the account from the drop down menus on the screen.
Note: After saving the changes for the first User, each subsequent user will have the same services and entitlements check marked from the first User.
Company Administrators have the ability to review each User’s setup through the User Setup Report located under the Administration menu tab. User reports can be generated for one User or all Users accessing Cash Management Online. These reports show a User’s contact information, assigned services, entitlements and limits for each account number. These reports can be especially helpful when an Administrator is looking to create a User and wants to find the appropriate User to Copy. Administrators should also reference these reports to audit the access of current employees and ensure that employees no longer with the company are removed.
The Invalid Login Report is a feature within Cash Management Online that works as a fraud protection tool for a company. Administrators are able to see when Users log into the system, from what location the user is connecting from and if the User gained access. The Administrator should reference this report prior to unlocking a User’s profile due to login failures. From the report, the Administrator can verify the failed access was completed by the User. This reporting tool can be used to perform periodic audits to ensure Users are only accessing Cash Management Online from company assigned devices as described by internal security procedures.