Instructions for Using Johnson On-line Cash Management

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Sign-on
Balance Reporting
Book Transfer
Stop Payments
Online Services
ACH Transactions
Wire Transfers
ACH/Wire Dollar Limits

Sign-on
Logging into Johnson On-Line Cash Management requires two ID’s and two passwords. These are:

Company ID – This is the unique identification code assigned to your company by Johnson Bank.

Password – The password selected by the Company Administrator as the password for your company. Johnson Bank assigns the initial password when your company is set up on Johnson On-Line Cash Management.

The Company Administrator is prompted to change this password during the first log-in.

User ID – The unique identification code assigned to each user within your company. Johnson Bank assigns the Company Administrator User ID. The Company Administrator establishes all other company User IDs.

User Password – The password selected by the user to gain access to Johnson On-Line Cash Management. Johnson Bank assigns the initial password for the Company Administrator. The Company Administrator assigns all the initial passwords for the Users. You will be prompted to change this password after the initial login. If you are having trouble logging in, please see the Company Administrator.

Remember to keep all passwords confidential to prevent unauthorized access to your company’s accounts.

Changing your Password
You are automatically prompted to change your password periodically. If you would like to change your password before this, go to the ADMINISTRATION Menu and select CHANGE USER PASSWORD. Enter your current password and your new password in the boxes indicated, enter your new password again for verification and click on UPDATE. A confirmation screen will display the message your password is updated.

Balance Reporting
To access this screen, go to the BALANCE REPORTING menu and click on ACCOUNT SUMMARY. A listing of all accounts you have access to will be displayed with their corresponding balances.

Balance Items

Current Balance – This is your current intra-day balance. It is the ledger balance plus or minus any current day activity (i.e. wire transfers, ACH debits/credits, and deposits).

Ledger Balance – The closing balance from the prior business day.

Available Balance – Amount of funds available for withdrawal. Calculated as the ledger balance plus or minus the current day’s activity less any on-line float (the temporary float assigned to the current day’s deposit) plus any related investment sweep balances.

Collected Balance – The Ledger Balance minus total float.

More Info – Clicking on the magnifying glass will pop up a screen displaying addition account information such as last statement date and ending balance, total debits and credits and float balances. The 1, 2 and 2+ day Float Balances are the portion of your ledger balance that is comprised of checks that have been deposited into your account but have not yet been collected from the bank on which they were drawn.

Account History
You can access a detailed account activity history from the account summary screen by clicking on the description of the account you wish to view (the one in red). The screen will display the prior day and current day (Intra-day) activity for the account selected. If you wish to view a different date or range of dates, enter these in the Date Range boxes and click on SUBMIT. Use the drop down box to view a different account. To sort items, click on the heading of the column you want to sort. You can also use the check boxes at the bottom of the page to view selected transactions.

Loan History Definitions

Regular Payment – A payment made by the company on the loan.

Syst Gen Pymt – An automatic payment drafted from the company account.

Note Increase – A manual draw against your Line of Credit.

Online $ – A transaction processed by Johnson Bank. This can be either a debit or credit transaction.

Sweep/Increase – An automatic draw from the Line of Credit to the company checking account to bring the account to its target balance.

Sweep/Decrease – An automatic principal reduction to the Line of Credit using excess funds swept from the company checking account.

Exporting
From the Account History screen, you can select to export the detail information. Select the account and date range you wish to export and click on SUBMIT. Once the activity you want is displayed, go to the bottom of the screen, select the type of file you wish to export and click on EXPORT. You will be prompted to save the file to a disk, select the location you would like the file saved in for retrieval.

Create Reports
The CREATE REPORTS function lets you create, edit and delete customization settings for the Account Summary screen. Custom reports let you configure the display so that you see only the accounts and transactions you want to see. From the BALANCE REPORTING menu, select CREATE REPORTS.

Use the check boxes to select the accounts and/or transactions you would like displayed for each report. You can select a default account summary display by checking FAVORITE REPORT.

Book Transfer
To add a book transfer to be processed today, go to the FUNDS TRANSFER Menu and select BOOK TRANSFER – ADD TRANSFER. Select a sending and receiving account and enter the dollar amount to transfer. Click on ADD. A verification screen will be displayed with the transfer details. To complete the transfer click on SUBMIT. If the transfer was successful a
confirmation screen will display the transaction and new account balances. If you receive an error message, verify that the Current Balance is sufficient to process the transfer. If the balance is sufficient, check with your Company Administrator that the accounts have been set up for transfer processing at the bank. If they have not been authorized, a signer from your company should complete a form to add this transfer relationship. Your Company Administrator will contact Johnson Bank for this form.

To add a future dated book transfer, follow the same procedure as above and enter the desired date in the ADD TRANSFER screen. You will receive an e-mail confirmation on the date of the transfer stating whether the transfer has been processed or not. The transfer will attempt to process later in the day if the first attempt is unsuccessful. If both transfers failed, contact Johnson Bank to see if this transfer can be processed.

Stop Payments
Use this function to place a stop payment on a single check or a range of check numbers. To add a stop payment, go to the ACCOUNT SERVICE menu and select STOP PAYMENT – ADD STOP PAYMENT. Use the drop down box to select the account and reason for the stop. For a single check enter the number, amount and payee and click on ADD. To stop a range of checks, enter the beginning and ending serial number of the check range and a stop payment will be placed on all checks in that range. A screen will display for you to confirm the Stop Payment Details. Click OK and you will receive a confirmation screen that the stop is placed. If the check was paid in the current or prior statement cycle, you will receive a message warning you of this situation. Please call our Customer Support Center at 888-769-3796 to remove the stop.

Online Services
Requesting Copies
To request a copy of a cleared check or past statement go to ONLINE SERVICES and click on PHOTO COPY REQUEST or ACCOUNT RESEARCH. Enter the information required for your request (date, account number, amount, etc.). If you select “Mail to Customer” as the delivery method, the copy will be mailed to the address on file for your account (the same address
your statements are mailed to). If you need the copy mailed to a different address, please call the Customer Service Center at 888-769-3796.

Reordering Checks
If your prior checks were ordered through the bank, you may re-order the same style through Johnson On-Line Cash Management. From the ONLINE SERVICES menu, select CHECK REORDER. Select the account, enter the quantity and starting number (if you would like the number series to continue from the last check, leave the serial number blank). If necessary, you can change the contact information for this request. If you would like to permanently change this information, contact your Company Administrator.

ACH Transactions
There are two ways to send in an ACH file with Johnson On-Line Cash Management (JOCM):
1. Initiate a batch by creating the file with templates you have set up.
2. Send an ACH file created by software outside of JOCM.

Send ACH File**
Create your ACH file and note the location of the saved file. Sign into JOCM and go to the FUNDS TRANSFER menu, select ACH – Send ACH File. Use the browse function to locate your saved file and click on UPLOAD. You will receive a confirmation that the file has been submitted with batch number, dollar amount and number of entries in the batch. Verify the batch details in the ACH Activity section.

Import ACH File
This selection is not to be used if you intend to continue to create your files with other ACH software and upload them to us through JOCM. Use this function only to create participants and templates from an existing ACH file.

Creating Batches
Before you can initiate an ACH file through JOCM, you must create batches for the different types of ACH files you will be transmitting (ex. Payroll, Accounts Receivable or Payable, or membership dues). Creating the batch is a three-step process: creating participants, creating the batch template, and adding the participants to the template.

Creating Participants
From the ACH selection in the FUNDS TRANSFER menu, select PARTICIPANT MAINTENANCE. Enter the ID, name, bank information, dollar amount (optional) and transaction type for up to three participants at a time and click on ADD. (A participant may have more than one transaction type, enter the participant information again and select another type). You will see the participants you added in the drop down box in the update participant section. Continue adding your participants for all the templates you will be creating. If you check the PRENOTE box, the box will automatically uncheck after the PRENOTE file has been submitted. You may also PRENOTE a participant from the INITIATE BATCH screen.

Creating the Batch Template
From the ACH selection in the FUNDS TRANSFER menu, select BATCH TEMPLATE MAINTENANCE. Enter a name and description for the template (ex. Hourly Payroll). Select the batch class: PPD for debits and credits to personal accounts or CCD for company to company payments. Use the drop down boxes to select your company’s ACH ID for the type of transaction and the offset account number. Click on ADD.

Add Participant to the Template
From the ACH selection in the FUNDS TRANSFER menu, select TRANSACTION ENTRY MAINTENANCE. Use the drop down box to select the template you are updating. Check the box next to each participant to be included in this template (A participant may be included in more than one template) and click UPDATE. Repeat this for each template you have created.

Initiate Batch**
From the ACH selection in the FUNDS TRANSFER menu, select INITIATE BATCH. Using the drop down boxes select the template and effective date for the transaction. If a participant in the batch is not to being paid/debited, check the HOLD box to omit this participant from the batch, or PRENOTE to verify the routing information for new or changed participants. Enter the dollar amount for each participant and click on INITIATE and you will receive a confirmation of the batch. To confirm the dollar amount of the batch prior to submitting, click on SAVE and then select EDIT BATCH from the ACH menu tab. Verify the batch, correct any entries if necessary and click on INITIATE. Verify the batch details in the ACH ACTIVITY section.

ACH Activity
To confirm your batch is correct, go to the ACH Activity menu selection to verify the details of the batch. Click on the magnifying glass to view the entries in the batch. If you find the batch is incorrect after it has been submitted or if you sent the same batch twice, contact the Cash Management Support area at 877-236-2739 to delete the batch.

**Remember to submit your file at least two business days prior to the effective date of the transaction (one day for Cash Concentration). All files must be submitted/approved by 4:00 p.m. CST to be processed that day.

Wire Transfers*
Wiring funds to another bank requires the following information: Title, Beneficiary Name and Account Number, Bank Name, Bank City State and Zip Code, and Bank Routing Number. It is helpful to enter any other information you have in case there is a problem with the wire. The Receiving/Intermediary Bank information should only be entered if the wire is paid through another bank. This information is usually included in the wire instructions from the beneficiary’s bank. There are two ways to initiate a wire, create a Template for frequently sent wires or enter the information Freeform.

Template Maintenance
From the Wire Transfer section in the FUNDS TRANSFER menu, select TEMPLATE MAINTENANCE. Click on NEW and enter the required information. You may want to enter more detailed beneficiary and bank information if you have them for these wires. Enter a dollar amount (or $0.00), select the debiting account and enter any message if needed. Click on ADD.

Initiate Template
Use this screen to send a wire transfer to an existing beneficiary. From the WIRE TRANSFER section in the FUNDS TRANSFER menu, select INITIATE TEMPLATE. Select a template and enter the dollar amount, date and a message for the wire (if different). Click on the INITIATE button to submit the wire.

Initiate Freeform
Use this form for a one-time wire transfer. From the Wire Transfer section in the FUNDS TRANSFER menu, select INITIATE FREEFORM. Enter the required information and any additional information you have for the wire. Enter the dollar amount, date, select the DEBITING ACCOUNT from the dropdown menu and any message to beneficiary to complete the form. Click on the INITIATE button to submit the wire.

Template Group Maintenance
If there is a group of beneficiaries you regularly wire on the same day, you can create a special group for them and submit a wire for all those beneficiaries in one step. From this screen select new, enter a name for the group and check the box next to each beneficiary you would like included in this group. Click the ADD button to create the group.

Initiate Template Group
Use this screen to submit a wire to a template group you created. You can change the amount and message to each beneficiary. Click on the INITIATE button to submit the wires.

Wire Activity
To confirm your wire is correct, go to the WIRE ACTIVITY menu selection to verify the details of the wire. Click on the magnifying glass to view the wire information. If you find the wire is incorrect after it has been contact the Cash Management Support area at 877-236-2739 to delete the wire.
*All wire transfers must be submitted/approved by 2:30 p.m. CST to be processed the same day.

ACH/Wire Dollar Limits
If the amount exceeds your User daily limit, you will receive a confirmation message that the status is pending. Your Company
Administrator and other users with approval authority will receive an e-mail message notifying them of the pending transaction. You should also contact the Company Administrator or another approver to let them know about the transaction to ensure that it is approved before the cut-off time. If the amount exceeds your Company daily limit, a message box will appear stating the daily limit has been exceeded. Notify your Company Administrator of this message so they can contact Johnson Bank to make
arrangements for the transaction.