Banc of California Business Online Pro is a comprehensive and integrated approach to Treasury Management. Business Online Pro provides easy-to-use interfaces across multiple devices and seamlessly integrates with your accounting software. It also provides the security you need and custom dashboards for each user.

  • Set roles, grant permissions, and authorize accounts specific to employees.
  • Execute one-to-one and one-to-many account transfers.
  • Make payments via ACH, wire and check, with transaction approvals to maintain control.
  • Receive real-time alerts to approve items via smartphones and tablets.

Download the complete Business Online Pro User Guide, our comprehensive guide to the most commonly used features of this platform, including assistance with first-time login and passwords here.

LEARN MORE ABOUT THESE FEATURES:

Installing the Secure Browser (strongly recommended but not required)

You can access Business Online Pro from Banc of California’s Homepage, but we strongly recommend you log in to Business Online Pro with the Secure Browser, as it provides a much higher level of security than website access through a standard browser.

The initial download link for the Secure Browser can be found on the login page for Business Online Pro, or at business.bancofcal.com. When installing the Secure Browser, an activation key is required and will be provided securely by Banc of California.

With the Secure Browser already installed:

  • Click the link to initiate a download for the latest browser.
  • Once the download is complete, install the Secure Browser or Browser Update; a Setup Wizard will lead you through the process. You’re now ready for Secure Treasury Management using the latest version of our Secure Browser.

Using the Dashboard

If you are using the Secure Browser to log in:

  • By default, the Secure Browser landing page is the first screen you’ll see after logging in. Notice that some of your more urgent items are grouped together for quick access
  • To customize the Dashboard, just click and move the widgets.
    • The Message Center is where you can receive bulletins, secure messages and notifications. Much more secure than email, all secure messages and their attachments are encrypted for stronger protection
    • Notifications allow you to subscribe to the reporting you want, such as End of Day Notifications and Payment Approval Notifications. Each can be sent in your choice of formats—text, email or secure mail
    • The Navigation Center is a one-stop location for accessing important external sites
    • The Action Center makes handling items that are awaiting your attention simple. Depending on the permissions you have, you can approve ACH transactions, wires and transfers, view expired payments and see if any users have been locked out of the system so you can take action

All your selected accounts appear in the Account Center. Here you can quickly view balances and make transfers. By selecting an account, you can see an in-depth review of your Account Information.

Account Information

Account Information is the heart of cash management, giving you an at-a-glance view of your company’s cash position.

  • Quick View displays all your accounts and the Current and Available balances for each and provides quick access to single or multiple transfers. The Accounts are grouped into types to make the information even easier to see.

Reporting

  • Information Reporting gives you virtually unlimited ways to analyze your financial position. You can choose the format you would like the report to be delivered in, how you want to be notified and the type of file to be delivered. In the future, save the template to generate the report with one click.

Use our ad hoc reporting engine to generate the reports you need in the format most compatible with your accounting software: for example, generating a report showing all your ACH transactions so you can reconcile them across the company:

  • Select CREATE REPORT.
  • Give the TEMPLATE a name if this is a report you want to save for future use.
  • Select the ACCOUNT or ACCOUNTS you want included in the report.
  • Drag and drop an account to the top of the list. The list order controls the order in which the accounts display on the report.
  • Determine what you want presented in the report. (ALL includes the entire spectrum of data available.)
  • To create this example, select only ACH TRANSACTIONS.
  • Determine what period of time you want the report to cover. The Default is the current and previous business days. You can choose from a variety of preset report periods or select CUSTOM DATE RANGE to enter any beginning and ending dates you choose.
  • Choose the FORMAT that you want the report generated in and determine the type of file you wish to receive.
  • If this report will be saved multiple times, determine a naming convention for your files. Click on MACROS HELP to include variables in the file name, such as the date or time the report is generated.

You can now generate the report by selecting VIEW or DOWNLOAD the file, EDITED or CLONED.

  • To open an unnamed copy of the template, select CLONE, give it a new name, set up report parameters and save it as a new Template.
  • Transaction Search makes specific transactions easy to find by Check Number, Posting Date or amount.

To find a specific transaction:

  • Enter any information you can provide—ACCOUNT, CHECK NUMBER or series of CHECK NUMBERS, POSTING DATE range and AMOUNT range.
  • Choose whether to search ALL Transaction Groups or only SELECTED groups.
  • Click SEARCH and see your results displayed lower on the screen.
  • ACH Reporting makes ACH an even more valuable tool by helping you manage your payments more effectively.
    • The Detail File report shows every aspect of each transaction.

ACH files often have extensive, detailed addenda information attached. To access that information and create your report using our financial management software, select the ACH DETAIL FILE report.

  • The Returns File displays any transactions that failed to execute. Such account errors may result from errors such an incorrect entry of the account number or directing the transaction to a closed account. Knowing when a transaction has failed and the reason for that failure allows you to track down the problem and make corrections quickly and easily.

Use the ACH RETURNS FILE report to return ACH Credit or Debit transactions when the account to which they point to is not available.

  • The Notification of Change Report helps you fix errors in your transaction information (for example, a changed account number at the recipient’s financial institution). ACH will often use details associated with a transaction to direct it to the proper account even if there are minor errors in the accountholder name or other information.

When the network makes these corrections, it will report the action in a NOTIFICATION OF CHANGE report that allows you to review the transaction in your batch and fix any minor errors that were detected by ACH.

Use the ACH NOTIFICATION OF CHANGE report to view crucial information that allows you to manage errors.

  • Balance Reporting enables you to see recent transactions and create customized reports. You also have the option to view check images.
  • Image Report displays all the information related to your reporting tool to make your finances easier to understand.
  • Report Delivery automates when the reports are generated and provides them in the most convenient way possible. Banc of California will notify you when your report is ready.

To view your report, you will need to log in to your Business Online Pro. You can also stay on top of financial activity using Alerts.

To have a standard report delivered automatically, without the need to even log in:

  • Select REPORT DELIVERY. Previous automatically delivered reports will be displayed and can be EDITED or CLONED.

To create a new delivered report:

  • Select CREATE TEMPLATE, and then select a REPORT TYPE from the drop-down list. For example, to reconcile ACH Returns:
    • Select NACHA ACH RETURNS FILE and click OK
    • Give the report template a name and select the ACCOUNT or ACCOUNTS to include
    • Determine the form you want your report to appear in and the delivery method.
    • Determine the FORMAT for the delivered report
    • Choose the schedule on which you want the report delivered. You can have it sent each time DATA that matches the template parameters becomes available
    • Starting no earlier than a specified time, or at a SPECIFIC TIME. SAVE the TEMPLATE to begin receiving this report based on your selections

Payments and Transfers

The tools you need for making secure payments are found in PAYMENTS and TRANSFERS.

  • Use PAYMENT ACTIVITY to see an overview of all your Pending and Completed payments that have been issued—including ACH, Wire Transfers, Account Transfers and All Transactions.
  • SHOW STATUS DETAIL gives you a further breakdown of Pending and Complete statuses. For example, which transactions are pending because they are awaiting Approval or Release, and which Completed transactions have been executed successfully or unsuccessfully. Payments scheduled for the FUTURE are displayed on an intuitive, easy-to-read calendar.

Based on permissions, users can VIEW, EDIT or CANCEL Pending payments.

  • Use PAYMENT HISTORY to research and find past payments quickly and easily.
  • RECURRING TRANSFERS shows all the automatic transfer payments you’ve set up. If you don’t see a transfer in the list, use SEARCH to find it.

ACH Payments

ACH payments provide a simple and seamless payment method that is perfect for direct deposit of payroll or any other payments that can be collected into a “batch.” An ACH Batch can be created using either a template or a freeform batch.

Templates store the elements of a payment that doesn’t change, such as the account you’ll use to pay, and the information for the company or person you’ll be paying.

To send an ACH payment using a Template:

  • Select a Template. The stored information will be displayed.
  • Select a date and provide the payment details. If the template contains multiple payees, you can exclude a payee by selecting the checkbox.
  • Enter the Amount of the payment and add any Addenda information you wish to include. This is often an Invoice or Customer Account number.

If you have multiple invoices, use the REMITTANCE function by selecting the checkbox. The ADD REMITTANCE window allows you to enter your invoices as line items from which a total is derived. The Remittance Information is sent as an email memo detailing the payment breakdown, and the Total of the amounts is automatically entered as your Payment Amount when you SAVE.

  • When payments are completed, request the batch, review the details and confirm.

A freeform batch works the same way but instead of using a stored template, the information is provided on the fly. You can save the freeform batch as a template by selecting the checkbox.

  • Select the Payee or add a new payee.
  • Enter an amount and addenda information or use the checkbox and add a remittance memo.

ACH Manage Batch Templates

Use ACH MANAGE BATCH TEMPLATES to create, edit and manage the templates stored in your library.

  • Find a template using the Search function or scan the list to find it, or create a template by selecting the ACH Company and type of transaction.
  • Give the new template a name and add the Payees you want included in this batch. For example, the batch could contain Payees who expect to be paid after the 15th of
    the month.
  • Enter the payee, select the account you want their payment sent to (a typical amount that can be changed when you create the Batch) and other information.
  • Once completed, save the template. From here you can also delete templates that are no longer needed or edit templates. For example, adding additional payees.

ACH Transaction Import

One way to maximize the power and efficiency of ACH batches is through the use of TRANSACTION DATA IMPORTS, which allows you to set up a group of payment transactions in your accounting software and then exports those transactions into a file. The file can then be
imported here.

Use FILE MAPS to define what kind of data is found in your import file and where it can be found:

  • When you create a FILE MAP, choose whether it is used to create all the elements needed for a batch or a partial import that uses an existing template for part of the information.
  • Give the map a name and upload a test file to use as a guide.
  • Map the file by telling the system how it’s delimited and where specific data fields are found in your file. This allows the system to read your file properly and place the data in the right template fields.

Wire Transfers

When your business needs to move money securely and on a tight deadline, a Wire Transfer is the perfect tool. A Wire can be created as a single freeform wire or by using a Template containing multiple wires.

All wire transfers require basic information such as the account the money will be drawn from and details about the beneficiary, the bank and the account where the money will
be deposited.

To create a Freeform Wire Transfer:

  • Ensure you have all the information about the payee, including the recipient’s street address along with banking information such as bank name and Routing Number.
  • Once you have completed the screen, Request your transfer. The Wire Templates have the recipient and recipient bank information stored. You need only to provide variables such as the date and amount.

Wire Transaction Import

Use TRANSACTION DATA IMPORTS to set up a group of wire transactions in your accounting software and then export those transactions into a file. The file can then be imported here.

FILE MAPS define what kind of data is found in your import file and where it can be found. The process is the same as with ACH Transaction Imports:

  • When you create a FILE MAP, choose whether it is used to create all the elements needed for a batch or a partial import that uses an existing template for part of the information.
  • Give the map a name and upload a test file to use as a guide.
  • Map the file by telling the system how it’s delimited and where specific data fields are found. This allows the system to read your file properly and place the data in the right template fields.

Account Transfers

Our Account Transfer tool allows you to move money between your accounts with us on demand. For example, you can keep funds in an interest-bearing account and then move them to an operating account when needed.

This flexible tool is easy to use:

  • Select the “From” account from where you’ll remove funds and enter the amount.
    • To execute multiple transfers from this account, select ADD ANOTHER
  • Select the “To” account to where the funds will be moved
    • You can document the purpose of the transfer using the Memo field
    • For multiple transfers, ADD ANOTHER
    • Select the date for the transaction and request the transfer

Maintenance

Import Maintenance

IMPORT MAINTENANCE provides an easy single-point interface for creating and maintaining the import maps used for bringing in Payee lists, ACH batch data and Wire Template data from your accounting software or spreadsheets.

  • Click IMPORT MAINTENANCE to see the IMPORT MAPS created in the TRANSACTION IMPORT screens for each type of transaction listed.
  • Select the tab to show each type of import file map list. From here, the file map can be edited, you can see a history of the map’s use and upload a data file.
  • To create a new data map, click ADD IMPORT.

Payee Maintenance

PAYEE MAINTENANCE provides an easy single-point interface for creating and maintaining the Payees used for ACH and Wire transactions:

  • Find a specific Payee record using Search or create a new payee. From here, Payee records can be edited, and a Freeform Payment can be initiated.
  • To create a new payee, you’ll need their basic information:
    • Identify the payee as an Individual or a Business
    • Add at least one payee account. This is the bank account owned by the payee that will be debited or credited in the ACH Transaction
    • Choose whether this account can be used for ACH transactions, Wire Transfers or both
    • Save the account. When this Payee is used for ACH or Wire Transactions, the name, address and account information will be pre-populated into the request screen

Stop Payments

STOP PAYMENTS is where you can manage various aspects of your issued payments.

  • Use the STOP PAYMENTS screen to view Stop Payment Activity.
  • Search by check or transaction number, status, account number or date requested.
  • Use ADVANCED SEARCH to add additional search criteria.

Administration

Administration is where authorized administrators can manage users—editing personal information, password, services to which this user has access, payments the user can create, displaying user activity, cloning the user and permissions to create another like user, deleting or deactivating the user and subscribing the user to appropriate reports.

You can also manage the accounts that are controlled by the system—global settings for payments of all types, a history of all company notifications and other settings specific to your company’s operations.

  • Use Audit Service to create a report showing activity and users for any of the Audit Categories.
  • Select Advanced to limit the report to only a selected user.

My Settings

  • Use My Settings to manage your User Profile, including updating your Contact Information, changing your login credentials (e.g., password and secret question) and Site Verification settings, including the image selected and your phrase.
  • Use Channel Settings to control where Bulletins should be delivered. You can also control when Bulletins are permitted to be delivered by enabling days of the week along with the beginning and ending you want to accept them.
  • Use My History to view the notifications you’ve been sent and financial management actions you have taken.
  • Use Secure Messaging to open your Messages Inbox. You can also Compose secure messages to us from here. Notifications and Reports to which you have SUBSCRIBED are found here.
  • Use FILE VAULT to upload and store files inside the security of Treasury Management. These can be documents, scans, images or any other file that is important to your business.

Other Features

  • Use the GO TO box to quickly navigate to a feature. For example, if you enter ACH, you can directly select any ACH screen.

You’ll also find Services such as Bulletins, HELP screens and a SITE MAP.

For security purposes, we strongly recommend that you LOG OFF when you are finished with your session.