In order to begin using Online Banking, you must first apply so that we can provide you with a Online Banking ID and a Password. To receive these, please complete a Online Banking Application. Just click on the link to our Forms Library page, then click on the form, print the application, and fill out the requested information.

After you have signed the application you may drop it off at one of our branch locations or mail it to:

Savings Bank of Maine
Attn: Electronic Services
P.O. Box 190
Gardiner, ME 04345

Once we have received your Application, we will set you up and notify you by e-mail with specific instructions on how to start using Online Banking.

• On the left side of our homepage you will find a box with Online Banking Login at the top in red.
• In the ID box, type in your unique Online Banking ID # and then click on the Submit button.
• A default image will appear, you will be prompted to pick a secret image known only to you but first you will need to enter your initial Online Banking Password. In the Online Banking Password box, type in the last four digits of your Social Security/Tax Identification Number and then click on the Submit button.
• If you experience problems with your Login, follow the instructions below for testing your browser security.
• Read and accept the Savings Bank of Maine’s Online Banking Agreement. To accept: click on the box to put a checkmark to indicate that you have read the agreement and then click on the Accept button.
• You will be required to change your Password at this time.

• Type in your current Password, which is the last four digits of your Social Security/Tax Identification Number.
• Type in your new Password. (Must be 4-8 alpha/numeric characters)
• Type in your new Password again.

• Update and/or confirm your emial address and then click on the Submit button.

• Select a secret image from the image library by clicking on it and then click on the Finished button. Whenever you login in the future we will show you this secret image before you enter your password so you can rest assured that you are accessing our real Web site and not an impostor site.

• If you are having trouble logging in, the cause may be your browser’s security level. For your convenience, we have provided you with an easy test to see if your browser supports the latest security standards.
• Just below the box where you typed in your Online Banking ID is a link called “Test your browser’s security”, click on this link to perform the test.
• If your browser fails the test, it is because your browser does not have 128 bit encryption. You must upgrade to this required security level to gain access to Online Banking.
• If you are using Microsoft Internet Explorer or Netscape, you will be provided with a link to perform this upgrade. If you are using a different browser, you will have to contact the vendor directly to have them provide you with information on how to upgrade your browser to the latest security standards.

• Challenge Questions - You may be prompted to select specific challenge questions from a list and enter personalized answers during your initial login or a future login. To help you choose three challenge questions, use the dropdown menus and select a combination of questions only you know the answers to. In the future, we may ask you to answer these questions exactly as you answered them to confirm your identity.
• The security of your account information is our highest priority. No Savings Bank of Maine employee, or employee of any company affiliated with Savings Bank of Maine will contact you via email or phone requesting your Online Banking ID or Password. If you are contacted by anyone requesting this information, please notify us immediately.
• In order to transmit your account information in a secure format we have established a browser requirement that must be met before you will be able to log in. Your Internet/Web browser must support 128 bit encryption. This encryption standard is used to protect your account information while it is being transmitted to you.

To change your default account name(s):

• Click on the Options tab
• Select the Accounts tab
• To the right of your account(s) enter in your new Pseudo name
• Click on the Submit button

You may select how many accounts you want displayed and what order they are displayed.

• Click on the Options tab
• Select the Accounts tab and scroll down to the bottom of the page
• To the right of Number of Accounts Displayed enter in the number of your accounts you want displayed
• Click on the Submit button

• Click on the Options tab
• Select the Accounts tab and scroll down to the bottom of the page
• To the right of Account Display order click (highlight) the Account you want to move
• Click on the Up and Down arrows to move the Account where you want it displayed
• Click on the Submit button

As a security measure, the system will show the last time you logged in and the total number of times you have logged in. This information is listed under the Customer Summary Information, located at the bottom of the page.

To reset your login count:

• Click on the Options tab
• At the right of the screen, click on Reset Login Count
• A system message will appear “Your login count has been reset”

From the Online Banking Main Accounts Page select Transactions from the Select Activity drop-down menu located on the right side of the screen. This will allow you to view transactions that have posted to the account since your last statement. Click on the column headings to change the order in which transactions are displayed. If sorting by any column other than Date, the running balance column will not be shown. You will see your online transactions post to your account throughout the day as they occur. The available balance on your checking and savings accounts will change throughout the day based on your activity. As you use your Visa Debit Card, use the ATM or transfer funds between accounts, your available balance will be updated to reflect that activity. Most activity at branches will not show on your account(s) until the next business day.

To view other transactions, use the View Transactions Since drop down menu. Here you can view transactions for the last 7 days, 15 days, 30 days, last statement or search transactions.

• Click on the Options tab
• Select the Display tab
• Under Select Default choose the option(s) you would like your data displayed
• Click on the Submit button

• While viewing your transactions, you will be able to view images of your checks. Your cleared check numbers are listed in the second column, which is named Item #. Each check number is underlined, which indicates that you may view the item. To view, place your cursor over the item and the arrow will change to a hand. Click on the item to display an image of the check. As you can see, the account number at the bottom of the check has been blurred to protect your account information.
• To see the back of the image, click on the Flip button. To rotate the image, click on the Rotate button. To return to the Transaction page, click on Cancel.
• For easier viewing of your cleared checks, you may change the way the transactions are displayed by clicking on the column names. For example, if you want to list all of your cleared checks consecutively, click on the Item # column name. Scroll down and you will see all of your checks listed together. To list the items in reverse order, click on Item # column name again.

• A Online Banking ID number has been assigned to you by Savings Bank of Maine. Your Online Banking ID is issued randomly by the system and is unique to your account. Once you have successfully logged in, you can create an Alias for your ID number. You can change your Online Banking ID from the 12-digit bank assigned number to something easier for you to remember. You may then use either your Online Banking ID number or your Alias.
• The Alias may consist of any combination of letters and numbers and must be between 1 and 12 characters in length with no spaces or special characters. However, your new Alias must start with a letter. All IDs are individual and no two persons may have the same one. If you choose an ID that has already been selected by another customer, you will be prompted to select another ID.

To change your ID (Alias):
• Click on the Options tab.
• In the box to the right of your current Personal ID, enter in your new ID (Alias).
• Click on the Submit button.

Online Banking has the option to download account transactions into your money management software. From the Online Banking Main Accounts Page select Download from the account drop-down menu or click on the Statement tab if shown on the Tool Bar.

To Download Transactions do the following:

• Under the Select Download For choose the account you would like to download transactions from by selecting it from the drop-down menu
• Select the range of transactions to download
• Select a format for the type of software you are downloading to
• Click on the Submit button
• The next page will give additional instructions on saving the file

Click on the link at the bottom of the page to complete the download

Your periodic statements are provided to you electronically. This service is quick, easy to use, and allows you to print out or save your statements directly to your computer’s hard drive, CD or disk. The next time your statement is produced, it will be available to you on Online Banking. Subsequent statements will also be posted there at approximately the same time each month or quarter (depending upon your statement cycle). We will discontinue sending your paper statements via U.S. mail unless you have previously instructed us in writing to do otherwise.

To view your Statement when it is available electronically

• From the Online Banking Main Accounts Page select Statements from the Select Activity drop-down menu located on the right side of the screen. On the “Statements” page, choose the format you would like to view the statement in by selecting it from the Select Activity drop-down menu located on the right side of the screen under View Details.
• PDF Format: Left click on the link provided to open your statement. (Adobe Acrobat Reader 5.0 or greater is required to view your statement in this format. To download a free copy of this program, please visit http://www.adobe.com).
• HTML Format: Your statement will open in your web browser.
• TEXT Format: Left click on the link provided to open your statement.

To print your Statement

• PDF Format: By using the Adobe Acrobat Reader toolbar, press the printer icon. You can either print the entire statement or just a particular page. (Adobe Acrobat Reader 5.0 or greater is required to view your statement in this format. To download a free copy of this program, please visit http://www.adobe.com).
• HTML Format: Choose File then Print.
• TEXT Format: Choose File then Print.

Saving your Statement file to your PC

• PDF Format: By using the Adobe Acrobat Reader toolbar, press the diskette icon. You will be prompted to save the file to a designated location on your computer. Select the folder where you want to save your statement or choose the drive where you want to send the file.
• TEXT Format: Right-click on the link provided. Select Save Target As and then select the folder where you want to save your statement or choose the drive where you want to send the file.
• For added protection of your files, you may want to save to a disk or CD and keep in a secure location. This will provide you with a true backup in case something should happen to the hard drive on your computer.

From the Online Banking Main Accounts Page select Stop Payments from the account drop-down menu or click the Stop Payment tab if shown on the Tool Bar. On the Stop Payment page, you may stop payment to a single Payee.

• Click on the Add Stop Payment button
• Enter the check date, the check number and the exact amount of the check
• Enter in the Payee of the check
• You may key in information concerning the stop payment under the remark lines
• Click on the Submit button
• You will receive a confirmation that your request has been submitted through Online Banking

Please print, sign and return a copy of this request to Customer Service at Savings Bank of Maine. Customers are responsible for Stop Payments verifying that checks have not already been paid during prior statement periods. We are unable to stop payments on checks we've already received and paid.

After the written stop payment notice is signed and received by Savings Bank of Maine, your stop payment order is valid for six months and will not be effective after six months, unless the stop payment is renewed in writing.

From the Online Banking Main Accounts Page select Transfers from the account drop-down menu or click on the Transfer tab if shown on the Tool Bar.

• Click on the drop-down menu to select the account to transfer the funds from
• Click on the drop-down menu to select the account you want to transfer the funds to
• In the Amount to transfer box enter the amount, including cents that you would like to transfer. (If you do not put the cents, it will assume that you want an even dollar amount)
• The “Frequency” default is “One Time” for a transfer. If you wish to make the transfer a recurring scheduled transfer, from the drop-down menu select the option of weekly, bi-weekly, semi-monthly or monthly. The Weekday, Start date and Ending date fields are required for recurring transfers
• Click on the Submit button
• After you complete the transfer, a page displaying the information about the transfer and a confirmation number will appear. You may print this page for your records

All same day transfers made Monday through Friday before 5:00 p.m. (EST) will show in your account immediately. All transfers made on a weekend, bank holiday, scheduled or requested after 5:00 p.m. (EST) will be processed one (1) business day later.

This option allows you to establish four types of alerts that you may choose from. The balance alert will let you know when an account goes above or below a certain amount that you specify. You can also be alerted when certain check numbers clear through the account by using the item alert. The event alert can be used to notify you of incoming and outgoing ACHs, incoming wire transfers, matured loans and CDs. You can use the personal alert to set personal reminders for yourself. The alerts will be posted to your Online Banking when you sign in and will be displayed on the Online Banking Account Listing ( Main) page.

• Click on the Options tab
• Select the Alerts tab
• To the right of the available alert options choose the type of alert you wish to create, then click on it
• Enter in the information to create the alert
• Click on the Submit button
• You will receive a message that the alert has been saved

In order to utilize Online Bill Payer service you must designate a Checking Account(s) that the payments will be made from.

To designate a Checking Account:

• Click the drop-down button to the right of Select Account
• If you only have one checking account, click the “Submit” button
• If you have more than one checking account, choose the account that the payments will be made from, then click on the “Submit” button
• A system message will appear stating the account was successfully designated. Click the “Submit” button

Acknowledge Service Charge Information

• The last page displays service charges, if applicable

Select left-most digit for Bill Payer Check Numbers for the payments that will be made by check

• The default is 1. You may change the default by selecting the drop-down button and choosing a different number
• To continue click the Accept button

In order to start using Online Bill Payer you must set up your Payee(s) first.

You must search for the payee before entering a new payee. Follow the instructions listed below.

• Select the “Payees” tab
• Click on the “Add Payee” button, located on the right of the page
• Enter the name of the payee you want to add
• Enter the state of the payee (optional)
• Click on the “Submit” button
• If the payee is an Electronic Payee, Bill Payer will show you a list of possible Payees that match your search criteria. A number of vendors have payments made to multiple addresses. Look for an exact match based upon the payment coupon you typically receive from the vendor. If your payee is listed, click on it to select it. If you do not find a match for your Payee, go to "None of the results above are my Payee" - Click Here. This will allow you to create the Payee as a check payee
• Next to the Payee Alias you can create an optional alias name for your Payee that is easier for you to remember
• Enter in your Payee’s account number. (On an Electronic Payee, if the account number does not match the required format of the Payee, a message will display with an option to set up as a check payee) Note: Your account number is your account number with the Payee, not your Savings Bank of Maine account number
• Enter in the Payee’s Address in the Address fields (Some Electronic Payee Address information may already be filled in for you automatically)
• Enter in the City of the Payee
• Enter in the State of the Payee
• Enter in the Zip Code of the Payee
• Enter in the Phone Number, including the Area Code of the Payee
• Verify your Payee information
• Click on the “Submit” button

Reminder: Most electronic payments are received by the vendor's financial institution the next day and most check payments are received within 5 days. However, we recommend that you allow 3 to 5 business days for electronic payments and 7 to 10 business days for check payments when you make your first payments online. After you determine when the vendors actually receive the payment and credit your account, you can adjust the payment schedule accordingly to reflect the actual number of days that each individual payment takes.

There are two available options for setting up a payment(s):

Choose the “Add Payment” tab to set up a recurring payment.

Choose the “Quick Payment” tab to set up multiple one-time payments.

Add Payment tab

For Recurring Payments: From the drop-down menus, select the account from which the bill will be paid and the payee. Enter the dollar amount of the payment and any memo information (memo information is transmitted with Check payments only). Choose the frequency of the payment. Enter the expiration date of the payment and whether or not the amount is different for each payment. When the payment information is complete, click on the Submit button.

 Quick Payment tab

 For Quick Payments: Choose the payee(s) you want to pay and click submit. Enter the payment date, memo, from account and amount. When the payment information is complete, click on the Submit button.

Once you submit a payment(s), they will appear in the “Main” tab of Bill Payer. You may view, edit, or delete a payment up to 3:00 a.m. EST on the day the payment is scheduled to be sent. If a same day payment is submitted between 3:00 a.m. EST and 1:00 p.m. EST it may be edited up until 1:00 p.m. EST.

To View a Scheduled Payment:

• Select the “Main” tab under Bill Payer
• Find the payment you wish to view
• To the right of the payment click on View
• Under the view option you can view the payment details
• When finished click on the “Close” button

To Edit a Scheduled Payment:

• Select the “Main” tab under Bill Payer
• Find the payment you wish to edit
• To the right of the payment click on Edit
• You cannot edit Payee information from this page. See Deleting or Editing a Payee to edit the Payee information
• Click on the “Submit” button to save the changes

To Delete a Scheduled Payment:

• Select the “Main” tab under Bill Payer
• Find the payment you wish to delete
• To the right of the payment click on “ Delete”
• Confirm the deletion by clicking on the “Delete” button

• Select the “Payees” tab under Bill Payer
• A listing of all payees will be displayed. From this list you may click on Delete, unless there is a payment pending for that payee
• From the same screen you may also click on Edit. This will allow you to edit or correct the account number and the description previously entered
• To edit the spelling of a Payee name, or the Payee's address, of an established Payee in Bill Payer, you must delete the Payee from your Payee list and enter the correct information by selecting the Add Payee button

In order to begin using Online Banking Cash Management, please complete a Online Banking Application. Just click on the link to our Forms Library page, then click on the form, print the application, and fill out the requested information.

Return the completed and signed application to one of our branch locations or mail it to:

Savings Bank of Maine
Attn: Electronic Services
P.O. Box 190
Gardiner, ME 04345

Once your Application is received, you will be contacted by the Electronic Services Department to discuss the specific Online Banking Cash Management services your company wishes to utilize. Online Banking Cash Management services are approved under the Commercial Lending Policies of Savings Bank of Maine. Additional information and documentation may be required to complete the approval process.

Once Savings Bank of Maine has provided you with your Online Banking Cash Management access information you can begin banking online with Online Banking Cash Management.

• On the left side of our homepage you will find a box with Online Banking Login at the top in red.
• In the ID box, type in your unique Online Banking ID # and then click on the Submit button.
• A default image will appear, you will be prompted to pick a secret image known only to you but first you will need to enter your initial Online Banking Password. In the Online Banking Password box, type in your initial Password and then click on the Submit button.
• If you experience problems with your Login, follow the instructions below for testing your browser security.
• Read and accept the Savings Bank of Maine’s Online Banking Agreement. To accept: click on the box to put a checkmark to indicate that you have read the agreement and then click on the Accept button.
• You will be required to change your Password at this time.

• Type in your current Password
• Type in your new Password (Must be 4-8 alpha/numeric characters)
• Type in your new Password again.
• You will then be prompted to enter your Online Banking Cash Management ID and Password

• Enter your Online Banking Cash Management ID and Password
• You will be required to change your Online Banking Cash Management Password the first time you log in
• Click on the Submit button

• Select a secret image from the image library by clicking on it and then click on the Finished button. Whenever you login in the future we will show you this secret image before you enter your password so you can rest assured that you are accessing our real Web site and not an impostor site.

• If you are having trouble logging in, the cause may be your browser’s security level. For your convenience, we have provided you with an easy test to see if your browser supports the latest security standards.
• Just below the box where you typed in your Online Banking ID is a link called “Test your browser’s security”, click on this link to perform the test.
• If your browser fails the test, it is because your browser does not have 128 bit encryption. You must upgrade to this required security level to gain access to Online Banking.
• If you are using Microsoft Internet Explorer or Netscape, you will be provided with a link to perform this upgrade. If you are using a different browser, you will have to contact the vendor directly to have them provide you with information on how to upgrade your browser to the latest security standards.

• Challenge Questions - You may be prompted to select specific challenge questions from a list and enter personalized answers during your initial login or a future login. To help you choose three challenge questions, use the dropdown menus and select a combination of questions only you know the answers to. In the future, we may ask you to answer these questions exactly as you answered them to confirm your identity.
• The security of your account information is our highest priority. No Savings Bank of Maine employee, or employee of any company affiliated with Savings Bank of Maine will contact you via email or phone requesting your Online Banking ID or Password. If you are contacted by anyone requesting this information, please notify us immediately.
• In order to transmit your account information in a secure format we have established a browser requirement that must be met before you will be able to log in. Your Internet/Web browser must support 128 bit encryption. This encryption standard is used to protect your account information while it is being transmitted to you.

To change your default account name(s):

• Click on the Options tab
• Select the Accounts tab
• To the right of your account(s) enter in your new Pseudo name
• Click on the Submit button

You may select how many accounts you want displayed and what order they are displayed.

• Click on the Options tab
• Select the Accounts tab and scroll down to the bottom of the page
• To the right of Number of Accounts Displayed enter in the number of your accounts you want displayed
• Click on the Submit button

• Click on the Options tab
• Select the Accounts tab and scroll down to the bottom of the page
• To the right of Account Display order click (highlight) the Account you want to move
• Click on the Up and Down arrows to move the Account where you want it displayed
• Click on the Submit button

As a security measure, the system will show the last time you logged in and the total number of times you have logged in. This information is listed under the Customer Summary Information, located at the bottom of the page.

To reset your login count:

• Click on the Options tab
• At the right of the screen, click on Reset Login Count
• A system message will appear “Your login count has been reset”

From the Online Banking Main Accounts Page select Transactions from the Select Activity drop-down menu located on the right side of the screen. This will allow you to view transactions that have posted to the account since your last statement. Click on the column headings to change the order in which transactions are displayed. If sorting by any column other than Date, the running balance column will not be shown. You will see your online transactions post to your account throughout the day as they occur. The available balance on your checking and savings accounts will change throughout the day based on your activity. As you use your Visa Debit Card, use the ATM or transfer funds between accounts, your available balance will be updated to reflect that activity. Most activity at branches will not show on your account(s) until the next business day.

To view other transactions, use the View Transactions Since drop down menu. Here you can view transactions for the last 7 days, 15 days, 30 days, last statement or search transactions.

• Click on the Options tab
• Select the Display tab
• Under Select Default choose the option(s) you would like your data displayed
• Click on the Submit button

• While viewing your transactions, you will be able to view images of your checks. Your cleared check numbers are listed in the second column, which is named Item #. Each check number is underlined, which indicates that you may view the item. To view, place your cursor over the item and the arrow will change to a hand. Click on the item to display an image of the check. As you can see, the account number at the bottom of the check has been blurred to protect your account information.
• To see the back of the image, click on the Flip button. To rotate the image, click on the Rotate button. To return to the Transaction page, click on Cancel.
• For easier viewing of your cleared checks, you may change the way the transactions are displayed by clicking on the column names. For example, if you want to list all of your cleared checks consecutively, click on the Item # column name. Scroll down and you will see all of your checks listed together. To list the items in reverse order, click on Item # column name again.

• A Online Banking ID number has been assigned to you by Savings Bank of Maine. Your Online Banking ID is issued randomly by the system and is unique to your account. Once you have successfully logged in, you can create an Alias for your ID number. You can change your Online Banking ID from the 12-digit bank assigned number to something easier for you to remember. You may then use either your Online Banking ID number or your Alias.
• The Alias may consist of any combination of letters and numbers and must be between 1 and 12 characters in length with no spaces or special characters. However, your new Alias must start with a letter. All IDs are individual and no two persons may have the same one. If you choose an ID that has already been selected by another customer, you will be prompted to select another ID.

To change your ID (Alias):
• Click on the Options tab.
• In the box to the right of your current Personal ID, enter in your new ID (Alias).
• Click on the Submit button.

Savings Bank of Maine will provide you with one Online Banking Cash Management ID and Password with administrative capabilities. The Online Banking Cash Management Administrator grants account access authorization, as well as functional authority to additional users. Additional users log into Online Banking with the company’s Online Banking ID and Password. The user is then prompted to enter their individual Online Banking Cash Management ID and Password.

• Select the Options tab
• Select the Cash Mgmt Users tab
• At the right, key in a user ID (Online Banking Cash Management ID’s are case sensitive.)
• Click on the Add User button
• This screen, “Edit Cash Management User”, allows you to specify the parameters for the new user
• Enter the user's name.
• Under Administration select one of the following for the users access and functionality:
  Yes- Select this option to give the user full administrative access and functionality.
  No- Select this option to restrict the user from having any administrative access or functionality.
  Partial- Select this option to give the user partial administrative access and functionality.
  View- Select this option to give the user view-only administrative access and functionality.
• Enter a password for the user. The user can change this password anytime after logging in
• Leave the Hold User box blank. (If the box is checked the user will be locked out of Online Banking Cash Management)
• Enter the user’s wire Password
• Check the Allow Download box if you want the user to be able to download transactions into your Money Management Software. (ex. Microsoft Money, Quicken, etc.)
• Enter the user’s e-mail address
• Enter the user's "Limits Controls" for ACH, Wires and Transfers
• Select the appropriate boxes for the user's "ACH Controls"
• Click on the Submit button
• The next screen provides a system message indicating the user has been successfully edited. "Select Access Rights" is displayed
• Under User ID, select the access controls for the user.
• Under Select Accounts all accounts included for the Online Banking ID will be displayed. Click "Select All" or the individual accounts you want the user to have access to
• Click the Submit button

• Select the Options tab
• Select the Cash Mgmt Users tab
• To the right of the user's name, go to Select, click on the drop down arrow and select User Settings
• Here you can modify the user’s access capabilities by checking or un-checking the appropriate boxes
• Click on the Submit button

• Select the Options tab
• Select the Cash Mgmt Users tab
• To the right of the user's name, go to "Select", click on the drop down arrow and select Delete
• Click on the Delete button at the bottom of the page to delete the user

• Select the Options tab
• Select the Cash Mgmt Users tab
• To the right of the user's name, go to Select, click on the drop down arrow and select Global Settings
• Here you can modify the user’s Account access capabilities by checking or un-checking the appropriate boxes
• Click on the Submit button

The upload method allows you to upload a NACHA file/batch created by your accounting software. (If you do not have accounting software that creates such a file, you can manually create an ACH batch – see instructions to create a batch manually).

To Upload an ACH batch in NACHA format:

• Select the “ACH” tab
• Select the “Upload” tab
• Browse your computer for the NACHA file your software created and click “Upload”. Depending on the size of the issue file, this can take a few minutes
• You will be directed to the “ACH File Upload Results” page. If needed, you can perform other online banking functions while the upload is in progress and check back to view the status – Click “Upload Status” from the ACH sub-categories to view the file upload results
• Once the upload is complete, click “Batch List”. You have the option to manage, edit, or initiate the batch once uploaded. From the “Batch List” page the status will read “Uploaded”

Note

• At this point the file has just been uploaded to the ACH system, it will be necessary for you to initiate the batch – See instructions to initiate a batch.

The batch must contain a balanced file, meaning for all the transactions set up within a batch you must have an offsetting transaction to either credit or debit your Savings Bank of Maine account for the total amount of the batch. You should be able to adjust your accounting software to include the offset transaction in the upload or you can manually add the offset transaction once the file/batch is uploaded – See instructions to add a transaction to a batch.

You have the option to create an ACH batch manually. Once the batch has been created, the batch will be stored on our system for future use.

To create an ACH batch manually:

• Select the “ACH” tab
• Under “Create new Batch for” select the Company by using the drop-down arrow
• You will be directed to the "Select Company" page if more than one company category code has been set up.
• Click on the company name line you want to work with.
• You will be directed to the “ACH Batch Header” page. The header record identifies you, the originator and briefly describes the purpose of the entry/batch. Most of the batch header has been pre-filled for you. You can edit the batch header to describe the type of ACH batch you will be initiating

Batch header Fields:

• The “discretionary data” field identifies the purpose of the entry/batch (ex. DIRECT DEPOSIT, REG SALARY, BONUS, ADVANCES, PAYMENTS, PAYROLL, MONTHLY DUES). When viewing this batch from the batch list, this information will display identifying the purpose of the batch
• The “entry description” field describes the purpose of the entry/batch to be displayed back to the receiver (ex. DIRDEPOSIT, REG SALARY, BONUS, ADVANCES, PAYMENTS, PAYROLL, DEBITS, DUES) - Can contain up to 10 characters including spaces. This is how the receiver will identify the transaction when looking at his/her bank statement.
• The category code displays the three character standard entry class code and its description that identifies the ACH payment type. Examples are:
  
  "PPD – Prearranged Payment and Deposit" if you are crediting or debiting a consumer’s account
  
  "CCD – Cash Concentration or Disbursement" if you are crediting or debiting a business or corporate entity
  
  
• The “Company ID” field is your company’s Tax Identification Number (TIN)
• The “Category” field may be added (or edited) to help you identify a batch. The category can be alpha/numeric and up to 16 characters
• Click ‘Submit’. You will be directed to the “Edit ACH Record” page to begin adding transactions to the batch

Creating batch transactions:

• Click “Add Multiple Records”. The Multiple Record Entry Screen will display
• Click the “Prenote” box. By clicking this field, a prenote (zero dollar amount) batch will automatically be created that you may process prior to submitting a live dollar batch. Note: The prenote batch can be identified in the ACH Batch List page with “PNT” in front of the batch category. Please wait ten business days to submit a live batch. You may input up to 15 transactions on this page
• Enter the name of the person/organization, in which the account is held, into the “name” field
• Enter into the “ID” field identifying information about the individual (ex. Tax ID, employee number, lot or apt #, any identifying number)
• Enter the bank’s 9 digit ABA/Routing number, in which the account you are crediting or debiting is held, into the “Routing #” field. The terms ABA# and Routing # have the same meaning
• Enter the account number in which to credit or debit into the “Receiving DFI Account Number” field
• Click “chk” for a checking account or “sav” for a savings account
• Enter the amount of the transaction – dollars in first box, cents in second box, no punctuation
• Click “dr” if transaction is a debit (withdrawal) or “cr” if transaction is a credit (deposit)
• The batch must contain a balanced file; meaning for all the credit or debit transactions set up within a batch you must have an offsetting transaction to debit or credit your Savings Bank of Maine account for the total amount of the batch. To do this, add another transaction to the batch. For credit transactions, the offsetting transaction will be a debit. For debit transactions, the offsetting transaction will be a credit
• Click “Quick Add” to add more than 15 transactions to the batch. Click “Submit” when finished with the last transaction. (If you need to, you may click “Cancel” to clear all fields – this removes all data input)
• You will receive a “successfully submitted” message. Click “Return”. You will be directed back to the ACH Batch List page

At this point the file has just been created and is now stored on our ACH system, it will be necessary for you to initiate the batch – See instructions to initiate a batch.

You have the option to create a State Tax Payment batch manually. Once the batch has been created, the batch will be stored on our system for future use. The following instructions are specific to State of Maine Tax Payments. If you wish to pay taxes for states other than Maine, please contact the Electronic Services Department at 582-5550 or toll free at 1-888-424-4184, option 7.

State of Maine Tax Payments
You must first enroll with the Maine Department of Revenue before you can begin sending your tax payments online with Cash Management. Visit www.state.me.us or call the Maine Department of Revenue's EFT Help Line at 207-287-8276.

When requesting an enrollment form be sure to mention that you will be sending your taxes ACH credit via your financial institution.

After you have sent your enrollment form to the Maine Department of Revenue, you will receive a confirmation back within approximately two weeks providing specific information you will use when creating your Maine State Tax Payments.

To create a State Tax Payment batch manually:

• Select the “ACH” tab
• Select the “Tax Payment” tab
• Go to the “Pay to” field and use the drop down menu to select “Maine”. The screen will change to the format for Maine tax payments
• In the “Category” field, input a category description that will help you identify this specific batch for future use. This is an alpha/numerical field up to 13 characters in length. (Examples With Tax, Use Tax.)
• In the “Receiving Institution” field, click the “Lookup” field. The Tax Bank Lookup screen will display.
• In the “Name” column, click the line that displays the appropriate Routing Number and Account Number. The “Add Tax Payment” screen will display and the Receiving Routing Number and Receiving Account Number fields will be pre-filled with this information.
• In the “Company Name” field, select the applicable company name using the drop down menu
• In the “Tax Period” field, input the tax period end date for the tax you are paying. The format is MM/DD/YYYY even though your confirmation may have this date in YYMMDD format. You may use the calendar to the right of the field to choose the date
• In the “Tax Code” field, input the five digit tax payment type code (The Lookup field is not available)
• In the “Taxpayer ID” field, input the Taxpayer identification number exactly as listed on your confirmation. This number may be your 9 digit tax ID number with two trailing zeroes or a different state assigned number depending upon the tax type you are paying
• In the “Amount Type Code” input the one character amount type listed on your confirmation. This is a case sensitive field. (The Lookup field is not available)
• In the “Payment Amount” field input the amount of your tax payment. Dollars in the first box and cents in the second box
• In the “Pay from Account” field, select the account to be debited for the tax payment using the drop down menu
• Click “Quick Add” Select Company screen will be displayed
• Click the Company Name that has a state tax payment description in the “Discretionary Data” field
• A “successfully added tax payment” message will be displayed
• Click “Batch List”

You have the option to create a Federal Tax Payment (EFTPS) batch manually. Once the batch has been created, the batch will be stored on our system for future use.

You must first enroll with the IRS before you can begin sending your federal tax payments online with Cash Management.

Visit www.eftps.gov or call the EFTPS Customer Service Center at 1-800-945-8400.

Be sure to enroll for the “ACH Credit” option which means that you will be sending your taxes via ACH credit through Savings Bank of Maine.

To create a Federal Tax Payment batch manually:

• Select the “ACH” tab
• Select the “Tax Payments” tab
• Go to the “Pay to” field and use the drop down menu to select “Federal”. The screen will change to the format for Federal tax payments
• In the “Category” field, input a category description that will help you identify this specific batch for future use. This is an alpha/numerical field up to 13 characters in length. (Examples Empl Qrtly, Ann Unemp.)
• In the “Receiving Institution” field click “Look up” and select “Bank of America”. The correct Receiving Routing Number and Receiving Account Number information will be filled in
• In the “Company Name” field, select the applicable company name using the drop down menu
• In the “Tax Period” field, input the applicable tax period end date in MM/YY format
• In the “Tax Code” field, use the drop down menu to select the correct five digit tax type code. They are listed in numerical order. For a slight moment the screen will appear to be updating
• In the “Tax Payer ID” field, input your 9 digit federal tax identification number with no spaces or dashes
• In the “Payment Amount” field, input the amount of your tax payment. Dollars in the first box and cents in the second box
• In the “Pay from Account” field, select the account to be debited from the drop down menu
• In the “Tax Information ID 1” field, input “1” in the first box and the total amount of the tax in the amount boxes or the amount of Social Security for tax type code 94105 (Employer’s Quarterly Tax Return Federal Tax Deposit) if you break these figures out which is optional
• In the “Tax Information ID 2” field, input “2” in the first box and leave the zeroes in the amount boxes or the amount of Medicare for tax type code 94105 if you break these figures out which is optional
• In the “Tax Information ID 3” field, input “3” in the first box and leave the zeroes in the amount boxes or the amount of Withheld for tax type code 94105 if you break these figures out which is optional.
• Click “Quick Add” Select Company screen will be displayed
• Click the Company Name that has a tax payment description in the “Discretionary Data” field
• A “successfully added tax payment” message will be displayed
• Click “Batch List”

At this point the file has just been created and is now stored on our ACH system, it will be necessary for you to initiate the batch – See instructions to initiate a batch.

Once a batch has been created it is stored in your ACH Batch List and you can add, edit or delete transactions within the batch.

Adding a transaction within a batch:

• Select the “ACH” tab
• All ACH batches you have set up will be displayed
• Next to the batch you wish to manage, select “Edit” from the “Select Activity” drop down menu. You will be directed to the “ACH Record List” screen
• Click the “Add Record” button located on the right hand side of the page
• The “Edit ACH Record” screen will be displayed
• Enter the name of the person/organization, in which the account is held, into the “Name” field
• Enter into the “ID#” field identifying information about the individual (ex. Tax ID, employee number, lot or apt#, any identifying number
• Enter the amount of the transaction – dollars in first box, cents in the second box – no punctuation
• Click the “Prenote” box. By clicking on this field, a prenote (zero dollar amount) batch will be created for the new transactions that you may process prior to submitting live dollar transactions. Please wait 10 business days to submit live dollar amounts for the new transactions
• Enter the bank’s ABA/Routing number, in which the account you are crediting or debiting is held, into the “Routing #” field. The terms ABA# and Routing # have the same meaning. (You may use the “Search for” button to help you find or verify the correct Routing #, Click the “Search for” button and an ABA Lookup-ACH screen will be displayed. Input some or all of the fields and press “submit”. A listing of banks will appear depending on how much or how little information you keyed in the first screen. Locate the Routing # you want and click on it. You will be brought back to the “Edit ACH Record” screen and the Routing # will be displayed. The search button is optional.)
• Enter the account type in the “Account Type” field selecting Checking or Savings from the drop down menu
• Enter the account number in which to credit or debit into the “Account Number” field
• Click the “Debit” (withdrawal) circle or the “Credit” (deposit) circle as applicable in the “Transaction Type” field
• Click the “Hold” circle in the “Status” field so the prenote file may be processed for the new transactions. The hold button will prevent a live dollar transaction from being processed until the proper time
• Click “Quick Add” to add more transactions to the batch. Click “Submit” when finished with the last transaction. Click “Cancel” to clear all fields
• The “ACH Record List” will be displayed. The transactions entered will have a “Y” in the “Held” field
• Click “Return”. The “ACH Batch List” will be displayed. The batch will be updated and you will see another batch with the same name including the letters “PNT” (Prenote) on the left side of the batch name. You will want to initiate the “PNT” batch to process the prenote(s)

Editing a transaction within a batch (ex: remove “held” status, change dollar amount, change account number):

• Select the “ACH” tab
• All ACH batches you have set up will be displayed
• Next to the batch you wish to change, select “Edit” from the “Select Activity” drop down menu. You will be directed to the “ACH Record List”
• Click “Edit” next to the transaction you want
• You will be directed to the “Edit ACH Record” screen displaying all the current transaction information. Input the necessary changes to the transaction
• Click “Submit”. The “ACH Record List” will be displayed and the transaction has been updated
• Click “Return”. The “ACH Batch List” will be displayed

Deleting a transaction within a batch:

• Select the “ACH” tab. All ACH batches you have set up will be displayed
• Next to the batch you want to delete a transaction from, select “Edit” from the “Select Activity” drop down menu. You will be directed to the “ACH Record List”
• Click “Delete” next to the applicable transaction. You will be directed to the “Delete ACH Record” page
• Click “Delete” once more to confirm. Click “cancel” if this is not the correct transaction
• A “Record Successfully Deleted” message will display above the “ACH Record List”
• Click Return

Once a batch has been created you can quickly change the transaction amounts without having to go through and edit each transaction individually.

To change only the transaction amounts within a batch:

• Select the “ACH” tab
• All ACH batches you have set up will be displayed
• Next to the batch you wish to change amounts for, select “Quick Edit” from the “Select Activity” drop down menu. You will be directed to the “ACH Record List Amounts”
• Enter the new amounts
• Click “Save”. If there are multiple pages of transactions, you will need to click “Save” before going to the next page to enter more amounts

Note:Check mark the “Hold” box if you wish to set up this transaction with a zero dollar amount. You can place transactions on hold if you need to keep the transaction information on our system, but not include the transaction in the batch when initiating.

Once a batch has been created the batch will be stored on our system. To view the transactions within a batch, follow the instructions below:

• Select the “ACH” tab
• All ACH batches you have set up will be displayed
• Next to the batch you wish to manage, select “View” from the “Select Activity” drop down menu. You will be directed to the “ACH Record List”
• All transactions within a batch will display. Click “Return” to go back to the ACH batch list

Once a batch has been created the batch will be stored on our system. To print or download (.pdf format) the transactions within a batch, follow the instructions below:

• Select the “ACH” tab
• All ACH batches you have set up will be displayed
• Next to the batch you wish to print, select “Download” from the “Select Activity” drop down menu. You will be directed to the “ACH Record List Download”
• Select the way you would like the list to be sorted and click “Submit”
• Click on the “ACH Record List Download” link to open the file in Adobe Reader. There are instructions provided on this page to assist in saving the file to your computer
• All transactions within a batch will display. You can print the list or save the file to your computer

Once a batch has been created the batch will be stored on our system. To copy the transactions to a new batch, follow the instructions below:

• Select the “ACH” tab
• All ACH batches you have set up will be displayed
• Next to the batch you wish to copy, select “Copy” from the “Select Activity” drop down menu. You will be directed to the “Copy ACH Batch” page
• Enter a new batch name into the “Copy batch to” field and click “Submit”
• The copied batch will be added to the ACH batch list

Once a batch has been created the batch will store on our system. To change the batch header category, follow the instructions below:

• Select the “ACH” tab
• All ACH batches you have set up will be displayed
• Next to the batch you wish to manage, select “Edit Category” from the “Select Activity'” drop down menu. You will be directed to the “ACH Batch Header” page
• In the “Category” field, make the necessary changes and click “Submit”
• You will be directed to the “ACH Batch List” page and a successfully modified message will appear

Once a batch has been created or modified it is necessary for you to initiate the batch to be processed. Use the following instructions for initiating a single batch or multiple batches as applicable to you.

To initiate a single batch:

• Select the “ACH” tab
• All ACH batches you have set up will be displayed
• Next to the batch you wish to initiate, select “Initiate” from the “Select Activity” drop down menu. You will be directed to the “ACH Record List” page. You will be able to view all the transactions within the batch
• To the right of the “Select Date” box, click on the calendar box. The current month will be displayed. Click the appropriate effective date. (If your batch is effective for the following month, for example on April 28 you are sending a batch effective for May 2, click the right arrow located beside the month and year on the calendar.)
• The “ACH Record List” will be displayed again and the effective date will display in the “Select Date” box
• You have the option to reset the amounts to zero, by clicking the “Reset amounts to zero after processing batch” box. This will ensure that the batch does not get initiated on a future date with incorrect amounts or accidentally initiated.
• When ready, click “Initiate”
• Once initiated, you will be directed back to the “ACH Batch List”, a confirmation message will be displayed, and the status next to the batch will be displayed as “Initiated”
• Later in the day the status next to the batch will be displayed as “Processed”

To initiate multiple batches:

• Select the “ACH” tab
• All ACH batches you have set up will be displayed
• Check the box to the left of the “ready” status for each batch to be initiated
• Click “Quick Initiate” at the bottom (left) of the page
• All batches checked will be displayed
• For each batch, you will need to select the effective date. To the right of the “Effective Date” field, click on the calendar box. The current month will be displayed. Click on the appropriate effective date for the selected batch. (If your batch is effective for the following month, for example on April 28 you are sending a batch effective for May 2, click the right arrow located beside the month and year on the calendar.)
• The “Quick Initiate” list will be displayed again and the effective date will be displayed.
• You have the option to reset the amounts to zero by selecting the “Reset Records” box. This will ensure that the batch does not get initiated on a future date with incorrect amounts or accidentally initiated
• When ready click “initiate”
• Once initiated you will be directed back to the ACH Batch List”, a confirmation message will be displayed, and the status next to the batches you selected will be displayed as “Initiated”
• Later in the day the status next to your selected batches will be displayed as “Processed”

Note:

• Each batch must contain a balanced file before you can initiate it, meaning the total of the credits must equal the total of the debits
• To ensure settlement on the effective date you provided, you must initiate each batch at least 1 banking business day before the effective date
• The effective dates must be business days – no holidays, Saturdays or Sundays
• Batches cannot be initiated more than 10 business days into the future.

You have the option to delete an ACH batch. Note:Deleting a batch will delete all transactions within the batch and the batch can not be retrieved once deleted.

• Select the “ACH” tab
• All ACH batches you have set up will be displayed
• Next to the batch you wish to delete, select “Delete” from the “Select Activity” drop down menu. You will be directed to the “ACH Record List” page
• Click “Delete” once more to confirm deletion

If an ACH batch was initiated in error, you can “uninitiate” it so the batch will not be processed. This can only be done if the status of the batch is “initiated”. A batch with the status of “processed” cannot be stopped or uninitiated from being processed.

To Uninitiate a Batch:

• Select the “ACH” tab
• All ACH batches you have set up will be displayed
• Next to the batch you wish to uninitiate, select “Uninititate” from the “Select Activity” drop down menu
• The “ACH Record List” will be displayed
• Click “Uninitiate”
• A message listing the batch name “uninitiated” will be displayed and the batch will not be processed

To set up a wire, follow the instructions below:

• Select the “Wires” tab
• All wires with a status of pending or initiated will be listed on this page. Wires that were unable to be initiated (for example, a wire that was attempted to be initiated but there is not sufficient available funds to cover it) will display with a status of ready
• Select the “Edit/Add” tab
• All repetitive wires for the account that displays in the “View Wires for” box will be listed on this page regardless of their status. The “View Wires for” box is a drop down menu that displays all the accounts you may wire from
• From the “View wires for” drop down menu, select an account to wire from, once at the Edit/Add Wire page for that account, click the “Add Wire” button located on the right hand side of the page
• The “Define New Wire for account” screen will display
• Enter into the fields “Credit Account #/Type, Credit Account Name, and Credit Account Address”', the account information of the person/organization (beneficiary) you are wiring funds to. Choose “Demand” if you are wiring funds into a checking/money market account (“Demand” is the default). Choose “Savings” if wiring funds to a savings account
• Click on “Search for ABA #” Please note, the terms ABA# and Routing # have the same meaning
• The “ABA Look up-Wires” screen will display. Key in the 9 digit ABA # in the first field and press “Submit”
• The “Available ABA Numbers-Wires” screen will display. Click on the applicable ABA # that includes information in the "Short Name" field.
• The “Define New Wire for account” screen will display. The receiving bank information will appear in the required format. Use the “Remarks” field to enter further wiring instruction or for further credit information
• If you need to store this wire for future repetitive use, check mark the “Repetitive Wire/Code” box and give the wire a code (can be up to 6-digit's and contain letters and or numbers) - This code will help you identify the wire at a later time. If the repetitive wire fields are not completed, the wire instructions will fall off our system that night
• Enter the wire amount. If you are setting up the wire as a repetitive wire for future use, you can leave the amount zero
• Click “Submit”
• The “Edit/Add Wires” screen will display and a “successfully added” wire message will appear

Note: This wire instruction form is not designed to handle the detailed information for International Wires and Multiple Beneficiary Wires. Please contact your local Savings Bank of Maine branch to set up an International Wire or a Multiple Beneficiary Wire

To edit a wire, follow the instructions below:

• Select the “Wires” tab
• Select the “Edit/Add” tab
• All wires with a status of ready and pending for the specified account in the “View Wires for” box will be listed on this page
• You can change the account to view wires from using the “'View Wires for” drop down menu
• From the “View wires for” drop down menu, select an account to view wires from, once at the Edit/Add Wire page for that account, click “Edit”' next to the wire you wish to edit
• Make the necessary changes and click “Submit”
• The “Edit/Add Wires” screen will display and a “successfully edited” wire message will appear

To delete a wire transfer, follow the instructions below:

• Select the “Wires” tab
• Select the “Edit/Add” tab
• All wires with a status of ready and pending for the specified account will be listed on this page
• You can change the account to view wires from using the “'View wires for” drop down menu
• From the “View wires for” drop down menu, select an account to wire from, once at the Edit/Add Wire page for that account, click “Delete” next to the wire you wish to delete
• Click “delete” once more to confirm
• The “Edit/Add Wires” screen will display and a “successfully deleted” wire message will appear

To transmit a wire transfer, follow the instructions below:

• Select the “Wires” tab
• Select the “Transmit” tab
• All wires with a status of ready (the status will show pending if you are looking at this wire on the Edit/Add page) will be listed on this page. If your wire is not listed on the Transmit page, but is listed on the Edit/Add page, you need to edit the wire and enter an amount
• The “Transmit Wire Transfer From” screen will display containing all the wire information. Enter your individual Wire Password
• Enter your individual Wire Password
• Click “Transmit”

All wire transfers transmitted Monday through Friday before 1:00 p.m. (EST) will be processed on the current business day. All wire transfers transmitted on a weekend, bank holiday, or transmitted after 1:00 p.m. (EST) will be processed on the next business day.

On the Edit/Add page

• The status 'ready' means this wire is set up but has a zero dollar amount.
• The status 'pending' means an amount has been established, but the wire has not yet been transmitted - it is ready to transmit.
• The status 'Initiated' means this wire has been transmitted and sent to our internal wire department for processing.
• The status 'Processed' means our internal wire department processed the wire.

On the Transmit page

• The status 'ready' means this wire is ready to transmit.
• If you do not see the option next to the wire to transmit, from the wire list on the 'Transmit' page, this means the wire has already been transmitted and is in 'Initiated' status.
• If no wires display on your wire list from the 'Transmit' page, either
• The wire has been processed.
• No wires have been established an amount.