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.
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.
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 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 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.
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 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.
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.
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.
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® 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:
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.
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.
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.
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.
The following are all the fees associated with Legacy’s eBank Business Online Services:
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.
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:
Click the Company Set Up navigation but1. ton. Here you will specify the number of approvals required for wire transfers.
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:
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.
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:
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.
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.
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.
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:
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:
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.
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:
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.
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.