Business Plus Online Banking

On the Business Plus Online homepage, click on “Commercial”, then “ACH Pass-Thru.” Click in the box that reads “Select a File to Upload,” then find and upload your file. Enter the process date (the date the money should be debited) and a memo for your records, if applicable. Select “Draft” if you have dual control or “Approve” if you have single control. A window will pop up, asking for your security code. Open the VIP Secure Access app on your phone and input the number that appears in the circle (it changes every 30 seconds).

Please note: The first time you use a new digital token in the VIP Secure Access app, you’ll be required to enter the security code twice. Enter the first security code, wait for the number to change (it may take up to 30 seconds), and then enter the new number. After the first use, you will only need to enter the security code once.

Please email [email protected] and inform the group you need an ACH limit increase. You will receive an increase form to complete, have signed by an authorized account signer, and send back to [email protected]. You will receive a confirmation email from a Treasury Management team member once the limit has been increased.

Your credential ID may have changed. Open the VIP Secure Access app on your phone and send the new credential ID to the [email protected] email. You will receive an email when the credential ID has been changed in your profile.

Please note: The first time you use a digital token in the VIP Secure Access app, you’ll be required to enter the security code twice. Enter the first security code, wait for the number to change (it may take up to 30 seconds), and then enter the new number. After the first use, you will only need to enter the security code once.

If you did not recently change phones and your token is not working, please email [email protected] and we will contact you to assist.

Standard ACH Files: 5:00 p.m.

Same-Day ACH Files: 4:20 p.m.

We will format your file in the Treasury Department. However, we will need a sample file from your software to do it. Please contact us and we will work with you to get a sample file.

The ACH Authorization Rules Setup screen is used to define all of the pre-authorized ACH transaction rules for an account. An ACH authorization rule may include the originating company, standard entry class, transaction type (debits and/or credits), and maximum authorized dollar amount. If an unauthorized ACH item posts to an account, the rules determine whether the item requires a pay or return decision or if the client should simply be alerted via email that unauthorized activity has occurred.

Notification Type for Unauthorized ACH Transactions: Select “Create Exception” or “Email Notification Only.” Choosing “Create Exception” indicates that any unauthorized ACH transaction will become an exception that requires a pay or return decision by the member. Choosing “Email Notification Only” indicates that the client will receive an email notification of any unauthorized transaction.

Company ID: The originating company ID of the transaction from the ACH file. If the company ID field is left blank, the rule will apply to all company IDs.

Standard Entry Class Code: A list of ACH standard entry class (“SEC”) codes. Either a specific SEC code can be selected or “ALL – All Standard Entry Class Codes” can be selected to include all SEC codes.

Debits or Credits: Select either debits, credits, or both debits and credits to define the types of transactions this rule pertains to.

Maximum Allowable Amount: The maximum allowable amount for this type of transaction. If the amount is left zero, the maximum amount field is not used during the authorization process.

Positive Pay files can be exported as CSV, Excel, or Delimited.  

Issued Check Files: 4:00 p.m.

Decision Exceptions: 10:00 a.m.

Please email [email protected] and inform the group you need a wire limit increase. You will receive an increase form to complete, have signed by an authorized account signer, and returned to [email protected]. You will receive a confirmation email from a Treasury Management team member once the limit has been increased.

Your credential ID may have changed. Open the VIP Secure Access app on your phone and send the new credential ID to the [email protected] email. You will receive an email when the credential ID has been changed in your profile.

Please note: The first time you use a digital token in the VIP Secure Access app, you’ll be required to enter the security code twice. Enter the first security code, wait for the number to change (it may take up to 30 seconds), and then enter the new number. After the first use, you will only need to enter the security code once.

If you did not recently change phones and your token is not working, please email [email protected] and we will contact you to assist.

Domestic and International Wires: 4:45 p.m.

From time to time you will need to clean the scanner to prevent issues from happening. Some common issues caused by an unclean scanner are:

• Scanner continues to try to pull checks even when no checks are in the scanner
• Smudges appear in check images while scanning checks

To clean your Panini Vision X Scanner, follow these steps:

1. Pull off the top centerpiece of the scanner.
2. Depending on your scanner model, take off/open the outside panel(s):
   1. Large Model – Pull off the outside edge of the scanner.
   2. Compact Model – Pull open the sides of the scanner (there will be two sides to open).
3. Dust out the scanner with canned air.
4. Wipe down the scanner with an alcohol wipe or a dry cloth.
5. Place/close the outside edges.
6. Place the top centerpiece back on the scanner.

1. Within Business Plus Online, click “Desktop Check Scanner”
2. In the Desktop Check Scanner software, click “Make Deposit”
3. On the left side of the screen, check the boxes next to the batches you’d like to deposit
4. On the right side of the screen, select the Accounts you’d like to deposit to
5. Click “Make Deposit”
6. You will receive a confirmation message with the option to print off a desired report for this deposit
7. Please note: If you would like to print off old reports, click “Reports” in the Desktop Check Scanner software.

Please note: LMCU recommends and provides Panini Vision X scanners only. The instructions below are how to set up Panini Vision X scanners only. If you have a scanner other than Panini Vision X, you will need to review the instructions provided by the scanner’s manufacturer to set up your scanner.

Set up the scanner:

1. Unpack the scanner and all of its components. You should have the following components with your scanner:
   1. CD-ROM – Contains Scanner Documentation (keep for reference/maintenance instructions)
   2. Power Adapter
   3. Power Cord
   4. Scanner
   5. Feeder Extension
   6. InkJet Cartridge (Not Needed)
   7. USB Cable
2. Place the Feeder Extension into the Feeder Slot on the scanner
3. Plug the Power Cord into the Power Adapter
4. Plug the Power Supply into the Scanner
5. Plug the Power Cord into the wall
6. Plug the USB Cable into the Scanner (do not plug other end into the computer yet)

Set up the scanner software: 

1. Log in to Business Plus Online Banking
2. In the top navigation, click the “Commercial” dropdown
3. From the “Commercial” dropdown, select “Desktop Check Deposit”
4. Once Remote Deposit launches in a new tab and loads the home screen, in the top navigation, click “Scan”
5. When prompted to install the Scanner Service Installer, click “Download”
6. Follow the prompts to install the software

Install the scanner drivers:

1. After installing the software, you’ll be prompted to install the scanner drivers. If not, click on the dropdown menu next to start at the bottom of the software and click on “Scanner Installers”
2. Select the scanner driver you need to install (If using a scanner provided by LMCU, select “Panini VisionX Scanner”) and click “Download”
3. Ensure that the scanner’s USB cable is not connected to the computer
4. Click “Run” to launch the Installation Wizard (Please note: You must have administrator privileges)
5. Follow the prompts and complete the steps of the Installation Wizard
6. Click “Finish” on the Scanner Driver installer window to close the window
7. Plug the scanner’s USB cable into the computer

After using the Panini Vision X Scanner regularly, at some point you may begin to experience issues where the checks are not being fed into the scanner. This is usually because the feeder roller has worn out. You can try rotating the feeder or replacing it altogether:

1. Pull off the top centerpiece of the scanner.
2. You will see a roller in the shape of a triangle with a blue top. Pull this out of the scanner (you will need to pull hard).
3. Rotate the roller so that a different corner of the roller is facing out, or replace with a new roller altogether. Ensure when you put the roller in that it snaps into place.
4. Place the top centerpiece back on the scanner.

Return to the batch edit tab and look for any checks that might have missing information. These checks will be highlighted red.

On the deposit tab, make sure that you are selecting your batch on the left and that the deposit total is displaying the dollar amount that you expect to be depositing.

If no checks need editing and the deposit total is displaying the dollar value that you expect, then you may be over your daily deposit limit. Please contact the Treasury Management team at [email protected] for assistance.

Click the start button. If you don’t receive an error, you can proceed as normal. If you do receive an error, please see the “What do I do if the scanner is not connecting and/or is receiving an error message?” FAQ item.

Try each of the following steps before calling LMCU:

1. Unplug the scanner from the wall outlet, count to five, then plug it back in. Check to see if it now works.
2. Move the scanner to a different USB port on the PC. Wait about 60 seconds and then check to see if it works.
3. Restart your computer. Wait 5-10 minutes after the computer comes back on before trying to use the scanner. Check to see if it now works.

These steps apply to all error messages. If none of these steps solve the issue, please contact the Treasury Management team at [email protected] for assistance.

The checks you are scanning may be sticking to each other. Make sure the checks don’t have any rips, tears, tape, staples, or other sticky substances. This can cause checks to stick to each other when being scanned. To clear a jam, simply remove the check(s) jamming it, then clear the track by terminating the transaction. If you can’t remove the check(s), lifting off the scanner’s top centerpiece should make it easier.

The cut-off time for remote deposits is 7:00 p.m. each business day.