INTERNETBANK USER MANUAL

General structure of the menu

On entering the system the following information is displayed on the screen:

  • Exit
  • Quick navigation menu
  • Main menu bar
  • Additional menu bar
  • Account balances
The main menu bar includes the following:

  • Enquiries
  • Payments
  • Contracts
  • Currency
  • Configurations
Activated part is pointed out by a brighter colour. On the first page it is Enquiries. In order to change a language User should click either [EST], [RUS] or [ENG] in the left corner of the main menu bar. Activated language is pointed out by a brighter colour.

Each part of the main menu bar has an additional menu below, on the next line. For Enquiries they are:

  • Account balance
  • Consolidated statement
  • History of payments
  • Statement of account
  • Statement of credit card
In the right corner of the additional menu bar there are icons by using which you can perform the following:

  • print out a document
  • save a document as a file
  • ask for help

Information Enquiry Regarding Statement of Account

You can get the following information in this section:

  • account balance
  • consolidated statement
  • history of payments, statement of payments, print out payment orders, delete filled-in payment orders
  • statement of account for any period, print out or save statements as a file
  • statement of credit card


Account Balance

Main menu [Enquiries], additional menu [Account Balance]

In this section User can get the following information regarding balances for all accounts available in InternetBank:

  • current banking day
  • account number
  • IBAN
  • account name
  • currency
  • account balance
  • reserved amount
  • balance available on the account
Information regarding balances for all accounts can be:

  • printed out
  • saved as a file


Consolidated Statement
The information can be grouped by as follows:

  • Settlement accounts
  • Deposits
  • Credit cards
  • Debit cards


History of Payments
Main menu [Enquiries], additional menu [History of Payments]

In this section User can get the information regarding payments made in InternetBank system for a certain period of time. When choosing [for the current day], you will be showed all transactions starting with today, payment orders prepared for future included. If needed, you can print out a copy of a payment order made-up in InternetBank system as well as delete some payment made by mistake.

The state of a payment is defined by it's status:

  • Executed - payment order already fulfilled
  • Not signed - payment order prepared for signing
  • Deleted - deleted payment order
  • Erroneous - payment order that failed check-up under some reason on signing or executing. The text of the error is showed in [Status] field.
By clicking the mouse on a date of some payment, you can obtain full information in regard of it, print out the payment order as a document, as well as perform the following actions:

  • Prepare a new payment order
  • Prepare a similar payment order
  • Save a payment order as a model
  • Delete a payment order but only in case the bank has not executed it yet.

Statement of Account

Main menu [Enquiries], additional menu [Statement of Account]

In this section User can get a statement of a customers account provided the following is filled in:
  • Account number by choosing it from the list of accessible accounts
  • Beginning of the period
  • End of the period
  • Statement format - choosing it from: short or long
By clicking [Display] User can get the statement of the selected account for a definite period of time. If needed, the statement can be:
  • printed out
  • saved as a file

Statement of Credit Card
 
You can get the statement for the month defined.
The statement includes: transaction date, amount and currency, transaction place, the amount in EUR written off the limit of the credit card.
Information on transactions related to the credit card can be printed out or saved as a file.

Payments

All main User's actions related to payments are carried out in this section:

  • filling up domestic payment orders (both local and intra-bank ones)
  • converting currency between the customers accounts
  • filling up foreign payment orders
  • import of domestic payment orders prepared outside the InternetBank system
  • signing, checking up and executing for payment orders prepared in advance
  • typical payment orders
Payment can be executed in any currency that is automatically converted. In addition User can
fix any date for the payment to execute several days in advance.

Completing a payment order includes two steps:

1. Making up a payment order:
  • you need to fill in all necessary data and save your payment order. The number of payment orders prepared while one session is unlimited.
2. Check-up and executing your payment order - Signature:
  • in order to execute the payment order it should be signed, it means to be accepted, by you. Prior to executing the payment order the account balance is checked up. After the check-up the payment order having OK!-status is executed. The execution takes place immediately without any delay.

NB! If for some reason you are dissatisfied with the abovementioned steps of checking and signing, these stages can be omitted. In that case you should tell the bank employee about it when signing the contract for using InternetBank.

3. In order to follow-up your payments made, you can look through the statement of the account or the history of payments for the current day.

4. Having made a mistake while filling in a payment order, you may delete the payment order by selecting the appropriate date in the history of payments. You may delete only the payment order made up but not executed (signed) yet.


Domestic Payments

Main menu [Payments], additional menu [Domestic Payments]

This is the main section that enables User:

  • prepare payment orders in EUR within Estonia;
  • prepare intra-bank payment orders in any currency;
  • prepare payment orders for currency to be converted.
The following data should be filled in:

  • Model. Fields of the payment form can be filled in automatically, if the similar payment order was saved on the list of typical payments. In that case User can just select appropriate one from the list of typical payments. All fields will be filled in automatically and User will make small amendments, if necessary.
  • Remitter's Account Number. The number of User's settlement account in EUR is put down automatically. If needed, User may select a different account number from the list of his/her account numbers.
  • Document Number. User may select any number for a payment order, but the same number shall not be repeated within ten days. In order to set up automatic numbering for documents, User should fix in Settings the next free number as well as prefix and/or suffix, if needed.
  • Beneficiary's Account Number. Filling in this field is obligatory. The account number of Beneficiary being inserted, the Beneficiary's bank is found automatically. When performing intra-bank payment or currency conversion, it is compulsory to put down currency code at the end of the account number (e.g. 9320008712USD, 930012702EUR and so on).
  • Beneficiary's Name. Filling in this field is obligatory.
  • Amount of the Payment. Filling in this field is obligatory. User selects a currency from the list.
  • Details of the Payment. Aim (details) of the payment.
  • Reference Number. The field is filled in under Beneficiary's request.
After having filled in all the fields, you should click [Save] in order to save the prepared payment order.

User has the following options for the prepared payment order:

  • Save as a model the payment will be included in the list of typical ones to be used in future;
  • Use for filling in the similar payment order - User can go on to filling in another payment order similar to the previous one. All the payment details have been already filled in;
  • Use for filling a new payment order - User will see on the screen an empty form to fill in;
  • Delete used in order to delete a prepared payment order.

  • NB! Prepared payment order stands-by in the additional menu [Signing] to be confirmed for executing.



CURRENCY CONVERSION

Main menu [Payments], additional menu [Converting]

In this section User can convert currency between his/her accounts.

In order to perform a correct currency conversion, you should put down the following:

  • From the Account. Users number of settlement account for EUR is put down automatically. You may select a different account number from the list of your account numbers.
  • Into the Account. Users number of settlement account for EUR is put down automatically. You may select a different account number from the list of your account numbers.
  • Amount to Convert. You put down the amount to convert. Select currency from the list.
  • Agreed Exchange Rate. The field is marked by v. Agreed exchange rate is used only in case of a special agreement with the bank.
  • Details of Payment. Goal for the payment. The field is not necessarily filled in.
When converting currency, User has a possibility to make a preliminary calculation by clicking [Calculate]. Calculation is performed basing on the current exchange rates. Clicking on [Calculate] does not work for agreed exchange rate.

After filling in all fields of the form for currency to convert, you should click [Save].

Two ways to perform currency conversion using the prepared form are the following:

1. After saving select the next action from the offered list Execute. OK!
2. Executing currency conversion in the additional menu [Sign]

NB! In case a contract in regard of currency conversion for considerable amounts is available, prior to the transaction the bank shall fix a special exchange rate for Customer [Execute] or [Sign].


Foreign Payments

Main menu [Payments], additional menu [Foreign Payments]

In this section you can make up foreign payment orders.
In order to prepare a correct foreign payment order you should fill in the following data:

  • Model. Fields of the payment form can be filled in automatically, if the similar payment order was saved on the list of typical payments. In that case User can just select appropriate one from the list of typical payments. All fields will be filled in automatically and User will make small amendments, if necessary.
  • Remitters Account Number. The number of Users settlement account in EUR is put down automatically. If needed, User may select a different account number from the list of his/her account numbers.
  • Document Number. User may select any number for a payment order, but the same number shall not be repeated within ten days.
  • Date. The date of executing the payment shall not be smaller than the current date.
  • Beneficiarys Account Number. Filling in this field is obligatory.
  • Beneficiarys Name. Filling in this field is obligatory.
  • Beneficiarys Address. Filling in this field is obligatory.
  • Payment Amount. Filling in this field is obligatory. User selects currency code from the list.
  • Payment Type. You should select it from the list [ordinary, urgent, express]
  • Payment Aim. Filling in this field is obligatory.
  • Details of Payment. Aim (details) of the payment.
  • Payment Balance Code. You should select it from the list. Filling in this field is obligatory.
  • Charges for Transfer. You should select it from the list [Remitter, Beneficiary, both sides]. Filling in this field is obligatory.
  • Payment of Charges. You should select an account to pay charges from. The number of Users settlement account in EUR is put down automatically. If needed, User may select a different account number from the list of his/her account numbers.
  • Beneficiarys Bank. The name of the beneficiarys bank.
  • Address. Address of the beneficiarys bank.
  • S.W.I.F.T Code. Filling in this field is obligatory. If you are not sure in the code, just put down some symbol, for instance ×.
  • Correspondent Bank. The particulars of the correspondent bank are to be filled, if available.
After filling in all fields of the payment order, you should click [Save] in order to keep prepared foreign payment order.

The following options for a prepared foreign payment order are available:

  • Save as a model the payment will be included into the list of typical ones to be used in future;
  • Use for filling the similar payment order - User can pass on to making up another payment order similar to the previous one already prepared.
  • Use for filling a new payment order - User will see on the screen an empty form to fill in;
  • Delete used in order to delete a prepared payment order.

  • NB! Prepared payment order stands-by in the additional menu to be confirmed for executing by clicking [Signing].


Import

In case Users accounting program (apart from InternetBank system) provides a possibility of making up payment orders in advance and keeping them as files, InternetBank enables automatic handling for these payment orders, it implies no manual inserting of data.

NB! We recommend using data import in case you have lots of payments.
One session enables to handle up to 140 local payment orders (both domestic and intra-bank ones).

Import procedure includes five steps:

1. Accepting one prepared file into InternetBank system - Main menu [Payments], additional menu [Import].

You should fill the name of the file in the field File name with data, for instance a:\ mk_50.txt, or select it by clicking first [Browse…], then [Accept]. Prior to the action you should save a payment order as a file in your computer. File structure can be found on www. tbb. ee

2. The result of accepting will be displayed as lists for erroneous payment orders, if any, or list of prepared payment orders and their quantity. The field Status contains description of the error made in the erroneous payment order. Erroneous payment orders can be corrected or deleted. The particular payment order to be corrected or deleted is selected by clickingon the date of the payment. In order to delete the payment you select from offered [Delete][OK!], in order to correct the payment you select [Change] [OK!] After being corrected payments are included into the list of prepared payments.

3. If there are no erroneous payment orders available, or they will be corrected later, or errors are not subject for correction, you send prepared payments to be executed by clicking [Send to proceeding ]. Erroneous payment orders can be gradually sent to executing after being corrected.
Erroneous payment orders that are not subject for correction can be deleted as a whole list by clicking [Delete all].

NB! The next payment file can be accepted only if the previous list of payments is emptied, it means no erroneous payment orders neither prepared ones are available. If needed, by clicking [Delete all] you can delete all accepted payment orders of the previous file, both erroneous payment orders and prepared ones.

4. The list of payments to proceed is displayed on the screen, so you can print it out.
Imported payment order should be signed. Checking thoroughly particulars of payments enables you to find errors. Payment orders containing errors will be displayed as a separate list. [Erroneous (impossible to execute)].

5. Click [Sign] for payment orders to be accepted in the ordinary way.


Signature

Main menu [Payments], additional menu [Sign].

In this section User can check up, if any funds are available on his/her account at the moment of executing or checking up payment, limits for payments, and so on. The payment orders having [OK!] status are executed after checking up.
Payments are executed immediately without any postponement, except payments with deferred date of performing that will be executed on the fixed date.

The procedure of signing payment order is as follows:

You select payment orders to be executed from the list of prepared payment orders.
In order to carry out the selection you need to do the following:

  • On the right in the field [Mark] by clicking the mouse you put down v.
  • By clicking [Mark all] you can select the whole list.
By clicking [Check up] you send all payments for checking up. The following things are checked:

  • If enough funds are available on the account in order to execute the payment order.
  • Check-up of payment limits to use fixed for a Customer
Checked payment orders having [OK!] status are sent to carry out by clicking [Execute].


Typical Payments

In order to ease filling up payment orders, we recommend to save the first of frequently made payments as a model for typical ones. When preparing up one of them in future you just select necessary one (model) from the list of typical payments and fill in amendments, if needed.

The list of typical payments can be looked through and User makes amendments, if needed, in the additional menu [Typical Payments] of the main menu [Payments].


Contracts

Main menu [Contracts], additional menu [Permanent Payments].

To prepare permanent (regular) payment order, i.e. payment of the fixed amount on the fixed date and within certain periods without any Customers participation in future, you should click [Add permanent payment] and fill in the fields of the offered form.

Currency

In this section you can get the whole information regarding currency exchange rates:

  • Currency exchange rates - information on the current rates for currency exchange
  • Exchange rates archive - information on a currency exchange rate for any day since September 4, 1998
If needed, the information can be:

  • printed out;
  • saved as a file

Configurations

This section is used for InternetBank administration

Under one signed contract Customer shall be entitled to obtain one main password card and any quantity of additional password cards to use furthermore.

User, being a holder of the main password card, has got unlimited access to Customers funds. Holders of the additional password cards have certain limitations set up by the holder of the main password card.

The holder of the main password card fixes up for holders of the additional password cards the following things:
  • identifiers for users;
  • rights for every user;
  • blocking up or activating users;
  • list of accounts for every user to apply
  • setting up limits for every account being in use.

Users

Main menu [Configurations], additional menu [Accounts]

It is in this section that the holder of the main password card can change Users code, both the holders of the main password card and holders of the additional password cards, as well as change other settings for users working in InternetBank system.

You select User in [Users Identifier] for setting up his/her parameters.

Possible amendments made in the fields of the table for setting up Users parameters are the following:

You write down a new identifier in the field [Users Identifier].

NB! Next time on entering the system, User should pay attention to the fact that Users identifier has been changed.

If needed, you may write down a new Users name in the field [Users Name].

In the field [Language] you may set up language for communication in InternetBank system. Possible variants are:

  • [Est]
  • [Rus]
  • [Eng]
By deleting the symbol v in [User active] you can block up the access of that User into InternetBank system. To restore the access you should put down v in [User active] by clicking the mouse
[Configurations for data export] defines the format and data division when saving data as a file.
In order to save inserted amendments you should click [Save].


Accounts

Main menu [Configurations], additional menu [Accounts]

In this section the holder of the main card may change limits of the funds used for the holder of the additional card, rights for using a certain account, add new accounts to use.

By selecting [Administration] on the line of the certain User, you will get a list of accounts accessible for that particular user.

In order to add a new account, you should select from the Customers full list of accounts at the bottom of the screen the needed account and click [Add account]. The table to determine rights for using that account appears on the screen.

In order to make amendments in the effective limit for the funds used or in the rights for using a certain account, you should select from the list of the accounts accessible for use displayed on the screen the one you need to change information on. By clicking [Change] you may insert amendments in the table to determine rights for using that particular account.

The fields of the table to determine rights for using the account are the following:

[Name of the Account] for Users convenience you can change the name of the account to use in InternetBank system.
[Daily Limit] in order to fix a daily limit amount for funds to use
[Monthly Limit] - in order to fix a monthly limit amount for funds to use

NB! When setting up limits for using funds of the account by the particular user, the amount shall not exceed the limit amount fixed under the contract for the main user.

[Rights] by clicking the mouse and putting down v you can grant the right for the following:

[Account Balance] to see the account balance;

[Statement of Account] possibility to get a statement of account;

[Domestic Payments] possibility to make up payment orders for domestic and intra-bank payments;

[Foreign Payments] - possibility to make up payment orders for foreign payments;

[Signature] - signing payment orders.

In order to save the amendments made you should click [Save]


Account Users

Main menu [Configurations], additional menu [Accounts]

In order to get a list of users for the particular account, the main User selects from the list of accounts at the bottom of the screen the line with the account he/she is interested in. The list of users is displayed on the screen. For each user the following data is available: rights for using the account, fixed limit amounts and amounts already used.

In order to add a new user for the account, you find the needed one on the list of registered users at the bottom of the screen and click [Change]. The table for rights to be changed appears on the screen. You can find the description for the fields of the table in [Accounts] section.


Change of Password

Main menu [Configurations], additional menu [Change of Password]

Every user shall be entitled to change his/her password [Main password]
Put down the effective password into the field [Effective password]
Put down a new password into the field [New password]
In the field [New password (repeat)] put down once more a new password to be checked and confirmed.
In order to save the new password, after having inserted it, make a click on [Save].
You have changed the main password. Next time on entering InternetBank system the User shall bear in mind that the main password has been changed.


Quick Navigation
In the right upper corner of the screen, above the main menu bar, you can see [Quick Navigation] menu that makes moving within the menu of InternetBank system faster. Settings for Quick Navigation menu are fixed by User in accordance with the wish in order to find quickly the most frequently used points of the menu.
To fix the settings for Quick Navigation, You should use the main menu [Configurations] and additional menu [Parameters for Quick Navigation].
The fields of the Quick Navigation table are the same as the menu points of InternetBank system.
By clicking the mouse User can mark the fields of the table to be used in Quick Navigation menu.


Contact Data
Main menu [Configurations], additional menu [Contact Data]

The present section contains the Users contact data needed by the bank. In case the contact data has changed, User must make the appropriate amendments in the table.

After clicking [Change] the following fields of the table are displayed:
  • City or county, country
  • Post code
  • Street
  • Telephone
  • Fax
  • E-mail
Click {Save] in order to keep the amendments.


Settings

Main menu [Configurations], additional menu [Settings]

This section enables User to change the appearance and the number of the next document, to fix dividers for data fields when exporting data, to determine a format for date picture and set up periods to change the main Users password (not longer than 28 calendar days).

After clicking {Change] the following fields of the table are displayed:

  • Format of the document number
* Prefix: For example: R -
* Next document number: For example: 174
* Suffix: For example: - MK
So the next document number will be: R-174-MK

  • Configurations for data export
* Data field divider: ;
* Decimal symbol: 999,99
* Figure groups divider: 9,999,999

  • Format for date: dd/mm/yyyy
  • Frequency for changing permanent password: 28

Click {Save] in order to keep the amendments.

End of Session
 
In order to finish working in InternetBank system, User should click [Exit] in the upper right corner of the screen and close the window.