Transaction Monitoring

Transaction Monitoring increases security for businesses by requiring users to enter a one-time authorization code they receive via email, phone, or text before completing the following transactions:

  • Signing on to Business Online Banking

  • Releasing an ACH batch
  • Releasing a wire

  • Changing the email address on My Profile page

  • Changing the phone number on the My Profile page

  • Creating a sub-user when the business is not set up for dual control to manage users

  • Editing a sub-user when the business is not set up for dual control to manage users

If the Transaction Monitoring feature is enabled and you perform one of the above listed transactions, the For Your Protection page displays requesting you to select a delivery channel to receive the one-time code for the transaction. Once you receive the code, enter it either through Online Banking or the phone depending on the channel delivery method selected.

If the one-time code is entered correctly, the transaction continues to process. If the code is not entered correctly, you have the opportunity to re-enter the code. If the code is entered incorrectly more times than the financial institution established, you will be locked out of the system and a message is sent to the Online Help Desk notifying the financial institution you have been locked out due to excessive entries. The administrator must unlock your user account before you can sign back on the system.

If you sign on to Online Banking with a one-time authorization code and no email or phone number exists on the My Profile page, the Force Contact Validation page displays prompting you to provide an email address and phone number. Once the page is completed, you are successfully signed on. If you do not provide the information on the Force Contact Validation page, you are disabled until an email address and phone number is provided.

Follow the steps below to process specific transactions with the Transaction Monitoring feature.

  1. Execute one of the transactions listed in the Overview section. The For Your Protection page displays. Financial institutions can customize the text on this page, so the text displayed on this page may vary.

  2. Select the channel for delivering the one-time code, and you will receive the code via the selected channel.

  3. Once you receive the code, enter it either through Online Banking or the phone depending on the channel delivery method selected.

    • If Email me or Text me is selected, the For Your Protection page redisplays prompting you to enter the one-time code in Online Banking.

    • If Call Me is selected, the For Your Protection page redisplays with the one-time code and you receive a phone call with instructions to enter the code displayed on the page through the keypad on your phone.

    4. If the code entered is correct the transaction completes.

  4. If the code entered is incorrect, choose to retry entering the code or receiving a new code depending on the channel delivery method selected.

    • If Email me or Text me was selected, the For Your Protection page redisplays with the "Error – Code Incorrect" message. Select Retry to re-enter the code or Send me a new code to select a delivery method for the new code.

    • If Call me was selected, the For Your Protection page redisplays with the "Error – Code Incorrect" message. Select Send me a new code to select a delivery method for the new code.

If the incorrect code is entered the maximum number of times established by your financial institution, you are locked out of the system. A message is sent to the Online Help Desk, and an administrator must unlock your user account.

A business user with Manage User authority should perform the following steps to unlock a sub-user that is locked out due to excessive entries of the one-time code.

  1. Sign on as a business user that has Manage Users authority.
  2. Navigate to the User Setup page under the Administration tab.
  3. Select the locked user.
  4. Check the Failed RSA OTP Attempts Reset check box.
  5. Click Save and Exit.
  6. Select a delivery channel to receive the one-time code.
  7. Enter the one-time code, and the sub-user is unlocked.

Note: If the sub-user is blocked from a specific channel, you may need to call your financial institution to unblock that channel for the sub-user.