Business Online Banking user guides

If you are signing in to Business Online Banking for the first time you will need your assigned user ID.  If you do not have this information and are an Administrator, please contact your business’ Authorized Officer(s).  If you are a User, please contact your Administrator.

1. Go to MeridianCU.ca/business-banking
2. Click the Sign in button at the top right-hand corner
3. In the Select Banking Type drop-down menu select Commercial Banking
4. Type your assigned User ID and temporary password.
   For Administrator who do not have a temporary password, please contact us.  Users who do not have their password, please refer to the Generate a Temporary Password process.
5. Select Sign In
6. Follow the steps to change your password
7. Set up your 3 security questions

All administrators and users have the option to set up multi-factor authentication when signing into Business Online Banking.

However, for additional security, multi-factor authentication is mandatory if sending Interac e-Transfers® or online wires are enabled.

To set up multi-factor authentication for the first time, you will be required to download the Twilio Authy Authenticator app on your device.  Once you have downloaded the app, please call 1-866-592-2226 and select option 3 to complete the set up.

Once set up, multi-factor authentication will be automatically promoted at sign in.

1. Click Settings located at the top right of the page
2. Click the password edit icon
3. Type your Current Password, New Password, and re-type the new password in the Confirm Password field
4. Click Save to complete the request

Admin Tasks include functions such as User set up, User permissions, and password resets. Administrators may see the following on the Admin Tasks tab:

• Assigned Tasks – Approve or Reject: Tasks initiated by another Administrator requiring approval to complete.
• My Tasks - Outstanding: Tasks that you have initiated that are awaiting approval by another Administrator.
• My Tasks – Rejected: Tasks that were rejected.
• My Tasks - Failed: Tasks that were not completed due to an error.

Transactional Tasks are financial transactions such as bill payments, transfers, or wires. Users and Administrators with the appropriate permission may see the following on the Transactional Task tab.

• Assigned Tasks – Approve or Reject: Transactions initiated by another User requiring approval to complete.
• My Tasks - Outstanding: Transactions that you have initiated that are awaiting approval by another User.
• My Tasks - Rejected: My Tasks - Rejected
• My Tasks - Failed: Transactions that were not completed due to an error.

In the Maintenance tab Administrators can set up online banking users, define account access, and set transaction permissions, including approval limits.  Refer to the User Maintenance section for detailed instructions.

Administrators can also name accounts and access the audit trail of completed tasks.

Name Accounts allows Administrators to rename an account for all Users in online banking.

If the Business Group subscribes to Tax Payments the account name appearing on the Account Summary page will be displayed in Meridian’s Tax Payment Application along with the account number.

1. Click Admin located at the top of the page
2. Click the Maintenance tab
3. Click Name Accounts
4. Add or edit the name for the appropriate account
5. To display the default name, clear the field
6. Click Submit

The Audit Trail allows Administrators to search the completed tasks and transactions entered by all Users.

1. Click Admin located at the top of the page
2. Click the Maintenance tab
3. Click Audit Trail
4. Use the filters to narrow the search results
5. Click Filter
6. The audit trail is displayed on the bottom of the page

1. Click Admin located at the top of the page
2. Click the Maintenance tab
3. Click User Maintenance
4. Click Add a New User
5. Complete all required fields (note fields marked with an asterisk are mandatory)
6. Click Generate Temporary Password
   Make note of the password generated. You will need to provide it to the User.
7. Fill out the User Permissions to define the User's access, permissions, and limits in Business Online Banking. 
8. Click Account Access
9. Select the account(s) the User will be able to access
10. Click Save
11. Carefully review and verify the details presented on the Modify a User Confirmation page
12. Add a Comment (mandatory) in the field provided
13. Click Confirm to complete the request
    If your task require approval, Business Online Banking will email all approving Administrators to approve the task. The task will only be completed once all approval requirements have been satisfied.
14. Provide the User their User ID and temporary password (step 6 above)

Modify a User to update the products, accounts, and Memberships they have access to or when their permissions and limits need to be updated.  

When a User's access is being updated, that User becomes “locked”. If the User is signed in to Business Online Banking, they will not be able to complete any transactions and will receive an error message indicating that their profile is being updated. An error message will also appear to the User if they try to sign in while they are being updated. 

1. Click Admin located at the top of the page 
2. Click the Maintenance tab 
3. Click User Maintenance 
4. In the Actions column click, click the Select an Action drop-down menu next to the appropriate User 
5. Select Edit 
6. Update the User Permissions and limits as required 
7. If updates are required to the accounts the User can access (including Business Visa), click Account Access and update the User access as required 
8. Click Save 
9. Carefully review and verify the details presented 
10. Add a Comment (mandatory)
11. Click Confirm to complete the request  

If your task requires approval, Business Online Banking will email all approving Administrators to approve the task. The task will only be completed once all approval requirements have been satisfied.

• Create Account Groups: Allows the User to select which accounts to see first when they sign in or which accounts to group together by function, for example, accounts used for bill payments
• View Documents: Allows the User to view statements
• Manage Payees: The ability to set up new bill payment vendors or accounts for the Business and the ability to delete existing vendors from Memberships
• Manage e-Transfer Recipients: The ability to set up new e-Transfer recipients and the ability to update or delete existing e-Transfer recipients from Memberships

• Bill Payments:  Allows the User to make bill payments
• Transfers: Allows the User to transfer to another account within the Business Group
• Inter-Member: Allows the User to transfer to another account NOT within the Business Group
• Interac Email/SMS Transfers: Allows the User to send Interac e-Transfers® using email and SMS
• Interac Account Transfers: Allows the User to send Interac e-Transfers® using bank account encoding
• Online Wire Transfers: Allows the User to submit wire requests
• Transaction Limit: Limit for a single transaction
• Daily Limit Total: limit for all transactions within a day
• Approvals Required: Number of approvals the User requires for transactions they initiate (0-9)
• Approval Limit: Maximum dollar amount a User can approve for transactions another User initiates

• Manage Wire Beneficiaries: Allows the User to create, edit, or delete wire beneficiaries
• Approval Required: Will require another User to approve the request
• Is Approver: Allows the User to approve a request initiated by another User

• Stop Payment: Allows the User to create and cancel stop payments
• Approval Required: Will require another User to approve the request
• Is Approver: Allows the User to approve the Stop Payment set up or cancellation initiated by another User

• Tax Payments: Allows the User to access Meridian’s Tax Payment Portal to make Tax Payments
• Transaction Limit: The User's limit for a single tax payment.  Note: The Transaction Limit will default to $1.00 but should be set to an appropriate level for the User. This field cannot be changed to $0.00.
• Authority: “Payments Only” allows the User to make payments only. “Payments & Manage Payees” allows the User to make payments and set up/delete new Tax Payment accounts for the Business
• User PFS ID: Auto populated after the User has accessed Meridian’s Tax Payment Portal for the first time

• Interac e-Transfers® Autodeposit: The User can register an email address for Interac e-Transfers® autodeposit

1. Click Admin located at the top of the page
2. Click the Maintenance tab
3. Click User Maintenance
4. In the Actions column click the Select an Action drop-down menu next to the appropriate User
5. Select Delete
6. Add a Comment (mandatory)
7. Click Confirm to complete the request

If your task require approval, Business Online Banking will email all approving Administrators to approve the task.  The task will only be completed once all approval requirements have been satisfied.

If the User being deleted had the Tax Payment Permission enabled, Meridian must be notified to have the User deactivated on Meridian’s Tax Payment Application business profile. Please send us a Secure Message and let us know.

A temporary password can be generated for Users who have forgotten their password or have been locked-out due to three failed password attempts.

Always confirm the identity of a User before providing them assistance.   

1. Click Admin located at the top of the page 
2. Click the Maintenance tab 
3. Click User Maintenance 
4. Locate the User 
5. In the Actions column click Generate a Temporary Password from the drop-down menu 
6. Click Yes, Generate 
7. Make a note of the password and provide it to the User.  The User will be prompted to change their password the next time they login.

Users can attempt to enter their passwords or security questions three times before being locked out. Unlocking a user lets them try again without needing a reset.  

Always confirm the identity of a User before providing them assistance.

1. Click Admin located at the top of the page
2. Click the Maintenance tab
3. Click User Maintenance
4. Locate the User
5. In the Actions column click Unlock User from the drop-down menu
6. Click Yes, Unlock

When requested, you can reset a User’s challenge questions so they choose new ones at their next login.

Meridian cannot view any security questions or answers for any Users. Always confirm the identity of a User before providing them assistance.

1. Click Admin located at the top of the page
2. Click the Maintenance tab
3. Click User Maintenance
4. Locate the User
5. In the Actions column click Reset Challenge Questions from the drop-down menu
6. Click Yes, Reset.  The User will need to select new challenge questions at their next login.

Transaction History allows you to search, view, and download an account’s transactions using different criteria and formats.

1. Click Accounts located at the top right of the page
2. Locate the account
3. From the Select an Action drop-down menu click View Transactions
4. Select filter to narrow the search results. To use the Filter By option, a Time Period other than Recent must be selected.
5. To download the search results, select the format from the Download drop-down menu on the right

Cheque images can take up to 3 business days to be available

1. Click Accounts located at the top right of the page
2. Locate the account
3. From the Select an Action drop-down menu click View Transactions
4. Filter by Time Period (other than Recent) and Cheque No (for a single cheque) or Cheque No Range (for a range of cheques)
   The maximum date range is 6 months
5. Click the cheque number under the Description column to view the cheque image
6. To download the cheque images, click the Download Images button and follow the prompts

There is a maximum of 25 cheques that can be downloaded per PDF file

Occasionally an image of a cheque may not have been captured correctly and, as such, the image will not be available for online viewing. If the system returns the following message “Image not available”, please contact your branch for assistance.

To download statements the View Documents Permission must be enabled.

1. Click Accounts located at the top right of the page
2. Click Download Monthly Statements on the right-hand side of the page
3. Select the appropriate Membership and Statement month
4. Click Get Statement.  The file will download onto your computer for viewing, saving, and/or printing

By registering for e-statements the Membership will no longer be provided paper statements, but statements will be accessible online.

1. Click Accounts located at the top right of the page
2. Click ESTATEMENTS & DOCUMENTS located on the right side of the page
3. Select the appropriate Membership from the drop-down menu
4. Click the Register button

1. Click Bill Payments located at the top of the page
2. Click Add Payee
3. Start typing a payee name to generate a list of matching results
4. From the results, select payee to be added
5. Complete the required information
6. Click Next
7. Carefully review and verify the details presented on the Review Your Bill Payee page
8. Click Finish to complete the request

If your task require approval, Business Online Banking will email all approving Administrators to approve the task.  The task will only be completed once all approval requirements have been satisfied.

1. Click Bill Payments located at the top of the page
2. Click Manage Payees
3. Click delete icon for the payee to be deleted
4. Select the Membership(s) to delete the payee from and enter a comment
5. Click Finish to complete the request

 If your task require approval, Business Online Banking will email all approving Administrators to approve the task.  The task will only be completed once all approval requirements have been satisfied.

1. Click Bill Payments located at the top of the page
2. Select the appropriate Membership from the drop-down menu
3. Click the drop-down list to select the default account from which to pay the bill
   Business Advantage Plus accounts are high interest online savings that are not accessible for Bill Payments.
4. Click the bill to pay
5. Type the Amount to be paid
6. Complete all required fields
7. Click Next
8. Carefully review and verify the details presented on the Review Bill Payments page
9. Click Submit to complete the bill payment

 If your task require approval, Business Online Banking will email all approving Administrators to approve the task.  The task will only be completed once all approval requirements have been satisfied.

1. Click Bill Payments located at the top of the page
2. Click the Scheduled Payments tab
3. Select the Membership from the drop-down menu to view the scheduled payment(s)
4. To cancel a payment, click Show under the Details column for the payment
5. Click the Delete icon
6. Click Yes, Cancel to confirm the cancelation

If your task require approval, Business Online Banking will email all approving Administrators to approve the task.  The task will only be completed once all approval requirements have been satisfied.

1. Click Transfers located at the top of the page
2. On the Between Accounts tab, select the Transfer Type
   Note: Selecting Transfers will allow funds to be transferred between Memberships within the BOB Group. Selecting Member to Member Transfer will allow funds to be transferred to a Membership outside of the BOB Group.
3. Complete all required fields
4. If another transfer is required, click Add Another Transfer and complete all required fields
5. Click Next
6. Carefully review and verify the details presented on the Make a Transfer page
7. Click Submit

If your task require approval, Business Online Banking will email all approving Administrators to approve the task.  The task will only be completed once all approval requirements have been satisfied

1. Click Transfers located at the top of the page
2. Click the Scheduled Transfers tab
3. Select the Membership from the drop-down menu to view the scheduled transfer(s)
4. Click Show under the Details column for the transfer
5. To cancel a transfer, click the Delete icon
6. Click Yes, Cancel to confirm the request

 If your task require approval, Business Online Banking will email all approving Administrators to approve the task.  The task will only be completed once all approval requirements have been satisfied.

1. Click Admin located at the top of the page
2. Click the Maintenance tab
3. Click INTERAC E-TRANSFER^® PROFILE
4. Select the Membership to register and create a profile for with Interac
5. Click LET’S START
6. Complete all required fields
7. Click Save to complete the set up

Note: If your task requires approval, Business Online Banking will email all approving Administrators to approve the task. The task will only be completed once all approval requirements have been satisfied.

1. Click Transfers located at the top of the page
2. Click the Interac e-Transfers^® tab
3. Select Manage Autodeposit
4. Select the Membership from the drop-down menu
5. Click the edit icon to configure the email address
6. Complete all required fields
7. Click Save
8. Complete the registration by opening the automated email sent to the email address provided

Note: If your task requires approval, Business Online Banking will email all approving Administrators to approve the task. The task will only be completed once all approval requirements have been satisfied.

Permissions must be enabled to allow a User to send Interac e-Transfers®, add or edit Recipients.

1. Click Admin located at the top of the page
2. Click the Maintenance tab
3. Click User Maintenance
4. In the Actions column click the Select an Action drop-down menu next to the appropriate User
5. Select Edit
   ⚬ To allow the User to add and edit recipients:
       ▪ Under the Banking Permission section check off Manage e-Transfer Recipients
   ⚬ To allow the User to send e-transfer via email and SMS:
       ▪ Under the Permission section check off Interac Email/SMS Transfers
       ▪ Enter the Transaction Limit and Daily Limit
       ▪ Enter the number of approvals the User requires to send an e-transfer
       ▪ Enter an Approval Limit if the User will approve other User’s e-transfers
   ⚬ To allow the User to send e-transfers via account routing information, which are deposited directly into a recipient's account:
       ▪ Check off Interac Account Transfers
       ▪ Transaction Limit and Daily Limit
       ▪ Enter the number of approvals the User requires to send an e-transfer
       ▪ Enter an Approval Limit if the User will approve other User’s e-transfers
   ⚬ To allow the User to register an email for e-transfer Autodeposit:
       ▪ Under the Interac e-Transfer® Autodeposit section check off Interac e-Transfer® Autodeposit
6. Click Next
7. Carefully review and verify the details presented and add a comment
8. Click Confirm

Note: If your task requires approval, Business Online Banking will email all approving Administrators to approve the task.  The task will only be completed once all approval requirements have been satisfied.

1. Click Transfer located at the top of the page
2. Click the Interac e-Transfers^® tab
3. Click ADD/EDIT RECIPIENTS
4. Click ADD RECIPIENTS
5. Select the Membership from the drop-down menu the recipient will be connected to
6. Complete all required fields
7. Click Review
8. Carefully review and verify the details presented
9. Click Save to complete the request

Note: If your task requires approval, Business Online Banking will email all approving Administrators to approve the task.  The task will only be completed once all approval requirements have been satisfied.

1. Click Transfer located at the top of the page
2. Click the Interac e-Transfers^® tab
3. Click ADD/EDIT RECIPIENTS
4. Select the Membership from the drop-down menu
5. Click the Edit icon for the recipient to be edited and update the necessary information or click the Delete icon for the recipient to be deleted
6. Click Review
7. Carefully review and verify the details presented
8. Click Save to complete the request

Note: If your task requires approval, Business Online Banking will email all approving Administrators to approve the task.  The task will only be completed once all approval requirements have been satisfied.

1. Click Transfer located at the top of the page
2. Click the Interac e-Transfers^® tab
3. Click Send Money
4. Select the Membership from the drop-down menu
5. Complete all required fields
6. Click Next
7. Carefully review and verify the details presented
8. Click Submit to complete the request

Note: If your task requires approval, Business Online Banking will email all approving Administrators to approve the task.  The task will only be completed once all approval requirements have been satisfied.

1. Click Transfer located at the top of the page
2. Click the Interac e-Transfers^® tab
3. Click View History
4. Select the Membership from the drop-down menu and the last 3 transfers will display
   ⚬  To view more than 3 transfers, click See Complete History
   ⚬  To cancel an e-Transfer, click the icon under the Cancel column (Note:  the icon is only available if the e-Transfer has not been deposited)
   ⚬  To re-notify a recipient, click the icon under the Re-notify column (Note:  the icon is only available if the e-Transfer has not been deposited)

Note:  If your task requires approval, Business Online Banking will email all approving Administrators to approve the task.  The task will only be completed once all approval requirements have been satisfied.

1.  Click Transfers
2. Click the Wire Transfer tab
3. Click Manage Beneficiaries
4. Click Add Beneficiary
5. In the Create Beneficiary field, select Create New to add a new beneficiary or select From Existing to copy an existing beneficiary from another Membership
6. If Create New is selected, select the Membership from the drop-down menu to attach the new beneficiary 
7. Complete all required fields
8. Click Next
9. Carefully review and verify the details presented
10. Click Submit

Note: If your task requires approval, Business Online Banking will email all approving Administrators to approve the task.  The task will only be completed once all approval requirements have been satisfied.

1. Click Transfers
2. Click the Wire Transfer tab
3. Click Manage Beneficiaries
4. To delete a beneficiary, click the Delete icon
5. To edit a beneficiary, click the Edit icon and update the necessary details
6. Click Save

Note: If your task requires approval, Business Online Banking will email all approving Administrators to approve the task.  The task will only be completed once all approval requirements have been satisfied.

1. Click Transfers
2. Click the Wire Transfer tab
3. Select a Membership from the drop-down box
4. Complete all required fields. Note: If sending USD from a CAD account, enter either the CAD amount to send and the system will determine the USD equivalent or enter the USD amount to and the CAD will be calculated
5. Click Next
6. Carefully review and verify the details presented
7. Click Submit Wire

Note: If your task requires approval, Business Online Banking will email all approving Administrators to approve the task.  The task will only be completed once all approval requirements have been satisfied.

1. Click Transfers
2. Click the Wire Transfer tab
3. Click History
4. Select the Membership from the drop-down menu and the history is displayed
5. Click Status to view further detail about a specific wire

1. Review the account’s transaction history to ensure the cheque or pre-authorized debit has not been processed
   NOTE: A stop payment cannot be placed on a certified cheque
2. Click Accounts located at the top right of the page
3. Click on Stop a Payment on the right-hand side of the page
4. Complete the Add a Stop Payment form
5. Click Next
6. Carefully review and verify the details presented and read the Terms and Conditions
7. Click the check the box that acknowledges that you have read the Terms and Conditions
8. Click Add Stop Payment

Note: If your task requires approval, Business Online Banking will email all approving Administrators to approve the task.  The task will only be completed once all approval requirements have been satisfied

1. Click Accounts located at the top right of the page
2. Click on Stop a Payment on the right-hand side of the page
3. Click the Select a Membership drop-down list and select a Membership
4. Click Cancel beside the stop payment that you wish to cancel
5. Carefully review and verify the details presented
6. Read the Terms and Conditions for placing a stop payment that appear on the page
7. Click the check the box that acknowledges that you have read the Terms and Conditions
8. Click Confirm to continue with the cancellation

Service fees for placing the stop payment will not be reimbursed.

Note: If your task requires approval, Business Online Banking will email all approving Administrators to approve the task.  The task will only be completed once all approval requirements have been satisfied.

1. Click Accounts located at the top right of the page
2. Click Group Accounts on the right-hand side of the page
3. Click Add a New Group
4. Enter a Group Name and select the accounts to include by clicking in the boxes next to the account
5. Click Review
6. Carefully review and verify the details presented
7. Click Confirm to complete the update
8. Active the group by clicking the radio button in the Active column

The Active Group determines what is displayed on the Accounts page.  There are two ways to active a group:

From the Accounts tab

1. Click Accounts located at the top right of the page
2. Click the Accounts Summary View drop-down menu on the right-hand side of the page
3. Select the group to activate

From the Group Accounts page

1. Click Accounts located at the top right of the page
2. Click Group Accounts on the right-hand side of the page
3. Select the group to activate by clicking the radio button in the Active column

1. Click Accounts located at the top right of the page
2. Click Group Accounts on the right-hand side of the page
3. Click Edit for the appropriate group
4. Make the changes required
5. Click Review
6. Carefully review and verify the details presented
7. Click Confirm to complete the update

1. Click Accounts located at the top right of the page
2. Click Group Accounts on the right-hand side of the page
3. Click the Delete icon for the Group to be deleted
4. Click Yes, Delete to delete the group