Where do I enter my password? Enroll Now
eBank

Business eBanking

Features

Real-Time Balance Reporting

No time delay between the bank’s core system and the online banking system for transaction reporting. You can immediately see your transactions online as soon as they are posted to the bank’s core system.

Check Images

Front and Back digital images are provided online by simply clicking on the underlined check number within each account register. They may also be found by utilizing the research function located at the top of the account register screen and when viewing the account statement under the reports navigation button.

Transaction Categorization

Categorizing allows each transaction within the register to be edited and given a category title. For example, by clicking the “edit” icon next to each transaction you may apply a category title of business expense, donation, repairs…etc. These category titles are held to each transaction within the account register for 90 days. Rendering a category summary report will allow you to view the categories for 13 months.

eStatements

eStatements are an electronic version of your statement and are the most convenient and secure way to receive your monthly account statements. You will receive an email at every month end notifying you when your statement is ready for viewing. You can view your statement simply by signing on to eBank and clicking on the eStatement button. You can then print a hard copy of your statement or save it to your computer or disk. By receiving your statement via eStatement, you will have access to your statement up to two days quicker, and it is securely protected by your signon ID and password. You can You can receive this service with any checking or savings account. Ask any teller or new account representative about this great, free feature.

Legacy Bill Pay

Legacy Bill Pay is an easy and convenient way for you to make payments online with your personal computer. With this great feature, you can save time and avoid handwriting checks, buying stamps, and mailing bills. You can set up multiple payees, make one-time payments and recurring payments, and pay individuals and/or businesses. There is a $5.00 fee for Legacy Bill Pay if it is not used to pay at least one bill every 30 days. To sign up for Legacy Bill Pay, simply enroll for eBank and click on the “Bill Pay” secure link.

Stop Payment

This is a fast and easy way to request that the bank place a stop payment on a check without you having to drive to the bank. The stop payment will remain in effect for 6 months. In order to place a stop payment, click the stop payment navigation button at the top of the account register screen. You will then enter the required information to submit your stop payment request. Once submitted the bank will place a stop payment for that item. ACH transactions are excluded from this feature.

Account Research

Account Research allows you to find a specific transaction within your account register and view it online. This feature is used from the account register screen. It appears at the top of the screen as a navigation button and will allow you to enter customized search criteria to quickly and efficiently locate specific transactions.

Account Reports: Statement Detail, Transaction Detail, and Category Summary

The statement detail report allows the last statement production to be pulled and viewed online. The transaction detail report will pull a chronological listing of transactions. A Category summary report will allow for a specific category of transactions to be researched within a specified time period. Account transaction reports can be exported in CSV (Comma Separated Values) file format.

Transfer Capability and Loan Processing

The transfer funds button will allow funds to be transferred between accounts which are signed up under your business profile. You may create future dated transfers to occur automatically or you may simply select a one time transfer. Loan payments may also be processed using the same transfer funds button.

Check Re-Ordering Capabilities

Once a customer’s first check order has been initiated at the bank through Harland by a new account representative, the customer may then register on the Harland website (a hotlink button is provided on the customer’s online banking screen) to request additional check reorders.

QuickBooks®

QuickBooks® is software designed especially for businesses to assist in account reconciliation. Legacy Bank provides a web connect download button on your online banking screen to initiate downloads in an efficient manner. QuickBooks® incorporates a special transaction-matching algorithm that prevents the download of duplicate transactions into your account registers. The following steps outline how to download account information:

  • Go to legacybank.com and sign on to view your account information
  • Select the account data to download
  • Click the “Download to QuickBooks®” button
  • Choose the QuickBooks account to which the transactions will be downloaded, or create a new QuickBooks® account for first time download
  • Receive a summary of the downloaded transactions.

Mail Box

The Mail Box function provides a way for the customer to send messages to Legacy’s Online Help Desk. When the Help Desk replies to the message, the customer’s mail box icon will flash indicating an unread message has been received. This is a very efficient way to communicate any questions or comments with the bank. The mailbox feature will also notify you through a message if a future dated transfer did not process for any reason.

Wire Origination

Allows your company to create and send online wire requests to Legacy Bank. You may create wire templates to reuse which will help expedite wires that you send repeatedly to the same person/business. Legacy requires that all wires are received by 3:00 pm in order to be processed that same business day. There is also a “Reports” section of Wire Origination which will allow you to view detailed lists of the wires which you have created. It is strongly recommended that your company use the Company Setup feature to set up dual control for ACH and Wire Transfer Processing. The business administration User Setup feature will allow a Main User to create additional users and assign specific rights to those users such as: ability to initiate and/or approve sending ACH and Wire files. See Legacy Bank Business Banking Access Agreement for further rules and regulations associated with Wire Origination.

ACH (Automated Clearing House) Origination

Permits a company to create and send debit and credit entries in a batch file to Legacy Bank. These files are then transmitted by the bank via the Federal Reserve Bank of Kansas City to their intended recipient. These ACH files must be in NACHA file format. Files must be received by Legacy Bank at least 1 business day prior by 3:00 pm to the effective entry date shown in such entries. An ACH agreement must be signed by the business and approved by Legacy Bank prior to ACH Origination set up. It is strongly recommended that your company use the Company Setup feature to set up dual control for ACH and Wire Transfer Processing. The batch User Setup feature will allow a Main User to create additional users and assign specific rights to those users such as: ability to initiate and/or approve sending ACH and Wire files.

There is also a “Reports” section of ACH Origination that will allow you to view both processed and sent ACH files. These reports allow for customized parameter settings in order to limit or expand your search. See Legacy Bank Business Banking Access Agreement for further rules and regulations associated with ACH Origination.

User Setup

This feature allows the bank to set up a “Main User” who would then have the ability to give additional users access with separate sign-on IDs and passwords. The Main User would also have the discretion of what viewing and operational rights those additional users would have access. This feature should be fully understood by the Main User prior to creating subsequent users due to security issues.

Fees

The following are all the fees associated with Legacy’s eBank Business Online Services:

  • Initial One Time Set Up Fee—$25.00
  • Monthly Internet Usage Fee—$3.50
  • IndividualACH File Submission—$2.50
  • Each Transaction Item Within ACH File—$0.11
  • Wire fee:
    • Outgoing—Domestic (each)—$17.50
    • Outgoing—International (each)—$27.50
    • Incoming (each)—$5.00
  • Stop Payment—$25.00

Enrollment Steps

Go to the eBank Enroll Online screen. You will be prompted with a choice between Business Banking or Personal Banking. Select Business Banking. Legacy’s Online Access Agreement for Business Banking will then appear; read the agreement carefully and choose to “Accept” at the bottom of the screen. This agreement is printable and also available as a link at the bottom of each web page once signed on to eBank.

Complete the enrollment form including a sign-on ID of your choice and the account number(s) for which you would like to view. You will also need to indicate if you are interested in ACH origination and/or Wire origination capabilities.

Once the enrollment is complete click on the “Continue” button. Your enrollment will now be sent to Legacy’s Online Help Desk where the request is reviewed. Once reviewed you will be contacted within 24 hours via email with a password. At that time you will have balance reporting capabilities within your online banking.

Your Legacy office will provide you appropriate agreements upon receiving your eBank enrollment concerning your request for ACH and wire capabilities. Those agreements will need to be completed and returned to Legacy Bank. The agreements will be reviewed by Legacy Bank. ACH origination and wire origination capabilities will be added as a feature to your online banking at that time.

Sending a Wire Transfer Request

This functionality allows you to create wire transfers and deliver them via the internet to the bank for further processing. A wire must have a “released” status before it is visible to the bank for processing. It must also be received by the bank by 3:00 pm on a banking business day in order to be processed that same day. The 7 steps below outline the process by which a wire is sent for processing to the bank:

  • Wire Account Setup
  • Wire Company Setup
  • User Setup
  • Creating Wire Templates
  • Adding a Wire to send to the bank
  • Releasing the wire to the bank for processing
  • Wire History

Wire Account Setup

  1. (Main User) Sign on to eBank and click on the “Administration” button to access the Wire setup information.
  2. Click on the “Accounts” button and then click the edit icon next to each account you wish to grant wire origination rights to.
  3. Enter the maximum dollar amount for a single wire. Then enter the maximum dollar amount for all wires per day and the maximum number of wires that may be originated from this account per day. Continue into Company Setup.

Company Setup

Click the Company Set Up navigation but1. ton. Here you will specify the number of approvals required for wire transfers.

User Setup

If applicable, you may also go to User Set Up to authorize any additional company users to have Wire rights. These additional users can be given various Wire rights such as: ability to setup templates, add wires, edit wires, and release wires. You may also assign approval rights and approval limits for each user. Setting up user rights for wire transfers includes the following steps:

(Main User) Sign on to eBank and click the “Ad1. ministration” button. Click the User Setup button and under the Wire setup portion select or enter each authorization that applies to this user:

  • Setup Templates—user can setup templates
  • Add Batches—user can copy template to add a batch for processing
  • Edit Batches—user can edit information within a batch
  • Release Templates—user can release batches to the bank for processing
  • First Approval—user can perform the first approval for a batch
  • First Approval Limit—the transaction limit allowed for this user and the first approval right.
  • Second Approval—user can perform the second approval
  • Second Approval Limit—the transaction limit allowed for this user and the second approval right.

If there are multiple users you can assign them both first approval and second approval rights. This will not allow them to completely process an ACH batch or Wire transfer solely. It simply will eliminate one user from being required to give first (or second) approval in that particular order.

Creating Wire Templates

Wire templates are batches of transactions that are set up to be sent once or repeatedly. Transaction information that does not change is saved, eliminating recreating the batch each time it needs to process. Follow the steps below to create your templates:

  1. To create a wire template select the Wire Transfer button and then click on the Wire templates button. No wire template will display on this screen the first time it is accessed.
  2. Click the Create Template button and you must enter a template name, template description, company, and amount limit.
  3. Complete the required and desired optional fields on the new wire template page and click continue. This will save the template back to the Wire Templates page.

Adding a Wire to Send to the Bank

While under the Wire Template button click on the Add Wire icon next to the wire template you wish to send to the bank for processing.

Complete any fields for the wire on the New Wire entry form. Select Continue to save the new wire. The wire may be viewed for editing and approval on the Wire Manager page. Under the Wire Manager button select the wire to be approved and click the approve button.

Releasing a Wire to the Bank for Processing

Following approval the wire will then need to be released allowing the bank to proceed with processing. Wires must have an “approved” status in order to be released. You may also select more than one wire to be released at a time.

  1. Select the wire(s) for which you would like to release and then click the released button at the bottom of the screen.
  2. The selected wires will then display a status of “released” indicating that it is available for the bank for processing.

Wire History

By clicking on the Wire History button in the left margin, you will see the summary information of your processed wires. These are the wires that have been completed by the bank and now have a status of “processed.” You may click on the underlined wire name to see the detail for that wire.

Sending an ACH File

ACH transaction processing, with the bank’s approval, will allow you to electronically move funds from your company’s account into employee accounts for payroll, for example. This is known as ACH credit origination. Another example of ACH is that it allows for the electronic collection of recurring payments from customers. This is known as ACH debit origination. The following 6 steps describe the process by which ACH files are sent to the bank for processing:

  • ACH Company Setup
  • ACH User Setup
  • Creating Templates
  • Adding Batches
  • Releasing batches to the bank for processing
  • ACH Batch History

ACH Company Setup

  1. (Main User) Sign on to eBank and click on the “Administration” button to access the ACH setup information.
  2. Click on the “Company Setup” button. Choose company - If applicable, (subsidiary businesses setup), select the company name.
  3. Check the automatically generated pre notes check box (this function will automatically send a one-time zero balance ACH transaction to the designated recipient account in order to validate the account number and routing information).
  4. Enter values for Maximum Deposit Transaction, Withdrawal Transaction, Batch Deposit Total, and Withdrawal Transaction total. The amounts entered will place limits not to be exceeded by sent ACH batches.
  5. Enter number of approvals (0,1, or 2). These approval requirements are designated based on the number of ACH administrators you have set up for your company and how many approvals are needed for a particular batch before it is released to the financial institution for processing.
  6. Click Continue (If all required fields have been entered an UPDATE Message displays at the top of the page).

ACH User Setup

You may also go to User Set Up to authorize any additional company users to have ACH rights. These additional users can be given various ACH rights such as: ability to setup templates, add ACH batches, edit ACH batches, and release ACH batches. You may also assign approval rights and approval limits for each user. Setting up user rights for ACH transfers includes the following steps:

  1. (Main User) Sign on to eBank and click the “Administration” button.
  2. Click the User Setup button and under the ACH setup portion select or enter each authorization that applies to this user.
    • Setup Templates—user can setup templates
    • Add Batches—user can copy template to add a batch for processing
    • Edit Batches—user can edit information within a batch
    • Release Templates—user can release batches to the bank for processing
    • First Approval—user can perform the first approval for a batch
    • First Approval Limit—the transaction limit allowed for this user and the first approval right.
    • Second Approval—user can perform the second approval
    • Second Approval Limit—the transaction limit allowed for this user and the second approval right.

If there are multiple users, you can assign them both first approval and second approval rights. This will not allow them to completely process an ACH batch or Wire transfer solely. It simply will eliminate one user from being required to give first (or second) approval in that particular order.

Creating Templates

ACH templates are batches of transactions that are set up to be sent once or repeatedly. Transaction information that does not change is saved, eliminating the need to recreate the batch each time it needs to process. Follow the steps below to create your templates:

  1. (Main User) Sign on to eBank and click the “ACH” button.
  2. Click “Batch Template” and then select “Add Template”
  3. Complete the required fields including Template Name, Template Description, Batch Type, and Batch Security. Click Continue.
  4. The ACH Batch Template page is now displayed. Complete the transaction table listing the individual’s Name, ID#, Deposit Amount or Withdrawal Amount, Account number, Routing#, Account Type, and select Pre note if required. (This function will automatically send a one-time zero-dollar ACH transaction to the designated recipient account in order to validate the account number and routing information for future deposits)
  5. Click Continue when all entries are complete, Click More Entries if additional entries within the table are needed NOTE: If amounts are not known, enter 0.00 and complete when individual batches are copied and released.
  6. The new template will now be displayed on the ACH BATCH TEMPLATE page.

Adding Batches

Adding a batch prepares a batch for it to be sent to the bank. DO NOT activate a batch until you have updated the desired template. There are two methods in which to add a batch:

Method 1) through the ADD BATCH icon in line with the desire template shown on the ACH TEMPLATE screen.

  1. (Main User) Sign on to eBank and click the “ACH” button.
  2. Click ACH, Batch Template, and then select the ADD BATCH icon next to your desired template.
  3. The new ACH Batch page returns, displaying the Name and Description of the batch. Enter the effective date (must be a business day). Click Continue.

Files must be received by Legacy Bank at least 2 business days prior to the effective entry date shown in such entries.

Method 2) through the ADD BATCHES button on the ACH MANAGER screen.

  1. (Main User) Sign on to eBank and click the “ACH” button.
  2. Click ACH, Batch Manager, and then select the Add Batch button at the top of the screen.
  3. The ACH Batch Manager now displays a table listing all templates that have been created.
  4. Enter an effective date (must be a business day) for the batch you would like to send. Click Continue.
  5. The batch will now be listed on the active ACH Batch page with a status of unapproved. From here you can edit or delete the batches. (Editing may be done by selecting the EDIT icon next to each batch)

Releasing Batches to the Bank for Processing

  1. (Main User) Sign on to eBank and click the “ACH” button.
  2. Click Batch Manager and select the box to the left of the desired batch to be released. Once selected click the Release button below the table.
  3. Now that the batch has a “Released” status it is available to the bank for processing.

ACH Batch History

  1. (Main User) Sign on to eBank and click the “ACH” button.
  2. Click the Batch History button and the ACH Batch History page will display listing all “Processed” batch information. These are batches that have been processed by the bank.
  3. You can select a From Date, a To Date, and then click Update to set a date range for the report to pull information.
  4. To view a transaction detail for a specific batch, simply click on the Underlined Batch Name. To return to the ACH Batch History page click Continue.