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ESCROW ONLINE USER GUIDE


©2018 M&T Bank. Member FDIC. 10/18 —1—

ESCROW ONLINE

M&T Escrow Online allows landlords and escrow agents to manage

tenant and client sub-accounts, and allocations online. Primary

functions include opening, closing, and maintaining sub-accounts, as

well as allocating funds to and from sub-accounts.

This user guide provides screen shots and instructions on how to use

Escrow Online. A table of contents is provided on the next

page to help you navigate the content included in this manual.



TABLE OF CONTENTS

SECTION I: NAVIGATING THE SITE ................................................................................... 3 LOG IN SCREEN .............................................................................................................................. 3

SECTION II: MASTER ACCOUNTS ..................................................................................... 3 SELECT MASTER ACCOUNT ........................................................................................................ 3 MASTER ACCOUNT SUMMARY .................................................................................................. 4 TRANSACTION HISTORY .............................................................................................................. 4 REPORTS ......................................................................................................................................... 5 STATEMENTS ................................................................................................................................. 5 ALERTS ........................................................................................................................................... 6

SECTION III: ESCROW ACCOUNTS ................................................................................... 7 SELECT ESCROW ACCOUNT ...................................................................................................... 7 TRANSACTION HISTORY .............................................................................................................. 7 MANAGE ACCOUNT ..................................................................................................................... 8 EDIT AN ACCOUNT ....................................................................................................................... 8 CREATE NEW ACCOUNT ............................................................................................................. 9 CLOSE AN ACCOUNT ................................................................................................................... 9 VIEW OR HIDE CLOSED ACCOUNTS ....................................................................................... 10

SECTION IV: TRANSACTIONS ........................................................................................... 11 VIEW MASTER PENDING ACTIVITY .......................................................................................... 11 DELETE PENDING TRANSACTIONS ......................................................................................... 11 RESTORE TRANSACTIONS ........................................................................................................ 11 ALLOCATIONS .............................................................................................................................. 11

SECTION V: ADMINISTRATOR FUNCTIONS (FOR ADMIN USERS) .............................. 14 LOG IN SCREEN ............................................................................................................................ 14 EDIT MY USER PROFILE ............................................................................................................. 14 USER ADMINISTRATION ............................................................................................................. 15 ADD USER PERMISSIONS .......................................................................................................... 16 REMOVE OR CHANGE USER ACCESS ..................................................................................... 16 INFORMATION MESSAGES ........................................................................................................ 17 USER LIST ...................................................................................................................................... 17 CREATE NEW USER ..................................................................................................................... 17 USER TYPES .................................................................................................................................. 18 DELETE A USER PROFILE .......................................................................................................... 18 VIEW ADMINISTRATOR ACTIVITY ............................................................................................. 19 ADMIN GUIDE ................................................................................................................................ 19

SECTION VI: CONCLUSION .............................................................................................. 19 USER GUIDE .................................................................................................................................. 19 SIGN OFF ........................................................................................................................................ 19

CONTACT INFORMATION ................................................................................................ 20



SECTION I: NAVIGATING THE SITE

LOG IN SCREEN

Upon logging into the site, you'll see a hyperlinked list of your Master Accounts, with the associated account number.

All of the features available within the site are located in the gray toolbar at the top of the page. Immediately upon logging into

the site, before selecting an account, you will only have one option available in the top gray tool bar- Select Master Account

under the Master Accounts drop down. For additional options, you will need to select an account.

SECTION II: MASTER ACCOUNTS

SELECT MASTER ACCOUNT

To access this screen, hover over Master Accounts, and click on Select Master Account.

By clicking on one of the accounts, the Master Account Summary screen will appear. Please note, this is the same screen

shown immediately upon logging in.



MASTER ACCOUNT SUMMARY

To access this screen, you will first need to select a Master Account. After selecting a Master Account, you should be able to

hover over Master Accounts in the top gray toolbar and click on Account Summary.

The Master Account Summary screen will show the details related to that specific account, Important Messages, and the

Product Interest Rates. Now that the account has been selected, two new tabs will appear within the top gray tool bar,

including Escrow Accounts and Transactions.

TRANSACTION HISTORY

To access this screen, you will first need to select a Master Account. Once you have selected an account, you will need to

hover over Master Accounts, and click on Transaction History. This page will display up to thirteen months of Master

Account transaction history.

The Transaction History screen allows users to view the transactions specific to that account. The system allows for users to

sort the transactions by any of the column titles. By clicking Export, the data will be exported into an Excel sheet to allow for

the data to be saved, filtered or sorted to best suit the needs of the user.



Please note if there are multiple pages of results, by clicking the Selections icon , the user is able to

adjust the number of results available on each page. This page also allows for the user to search or filter the results.

REPORTS

To access this section, you will first need to select a Master Account. Once an account has been selected, you will need to

hover over Master Accounts in the top gray toolbar, and click on Reports.

The Web Activity Report will show all recent account activity. The Web Alerts Report will show specific alert information,

referred to on the Master Account Summary screen. Both reports will display information for up to thirteen months.

STATEMENTS


hover over Master Accounts in the top gray toolbar, and click on Statements.

In this section, you will have the ability to view either the monthly statements or create a statement summary with a custom

date range. The monthly statements will be available for thirteen months in PDF format. With the custom statement

summaries, you’re able to enter the specific dates you’d like to view. Once you click Download, the statement summary will be

exported into an Excel sheet. Please note, the system will not save the statement summary.



ALERTS

Alerts have a generic reference on the Master Account Summary screen. To view the specific alert, hover over Master

Accounts, and click on Reports. You will then need to select to the Web Alerts Report. A new tab or window will open and

display the report in a PDF format.

The system will display alerts regarding allocations needed, a zero balance account that is still open, no W-9 on file, no OFAC

on file, activity errors, etc.



SECTION III: ESCROW ACCOUNTS

SELECT ESCROW ACCOUNT

To select an escrow account, you will first need to select a Master Account. Once you have selected the Master Account,

hover over Escrow Accounts, and click on Select Escrow Account. You should then see all escrow sub-accounts associated

with the selected master account. For additional details on the sub-account, you will need to click the hyperlinked account

number.

Upon selecting the escrow account, you will notice two additional options under Escrow Accounts in the top gray toolbar,

Transaction History and Manage Account.

TRANSACTION HISTORY

To access the transaction history for escrow accounts, you will first need to select a master account and then an escrow sub-

account. Once you have selected both, hover over Escrow Accounts in the top gray toolbar, and click on Transaction

History.

The Transaction History screen allows users to view the transactions specific to that account. The system allows for users to

sort the transactions by any of the column titles. By clicking Export, the data will be exported into an Excel sheet to allow for

the data to saved, filtered or sorted to best suit the needs of the user.



Please note if there are multiple pages of results, by clicking the Selections icon , the user is able to

adjust the number of results available on each page. This page also allows for the user to search or filter the results.

MANAGE ACCOUNT

To access the manage account screen, you will first need to select a master account, as well as an escrow sub-account. Once

you have selected both, hover over Escrow Accounts in the top gray toolbar, and click on Manage Account.

On this screen, you will have the ability to edit the account, print the information, or close the account.

EDIT AN ACCOUNT

To access the edit account screen, you will first need to select a master account, as well as, an escrow sub-account. Once you

have selected both, hover over Escrow Accounts in the top gray toolbar, and click on Manage Account.

Once the screen populates, you will have the option of editing either the account information or the contact information on the

account. To edit, you will need to click the Edit icon for the section you would like to adjust. The edit details screen will

populate, allowing the correct information to be entered. Once completed, click Submit to save the changes.



CREATE NEW ACCOUNT

To access the Create New Account screen, you will first need to select the Master Account. Once you have selected the

account, hover over Escrow Accounts in the top gray toolbar, and click on Create New Account.

The Escrow Details form will then appear. Once you have completed all required fields with your tenant or client information,

clicking Submit will complete the request. Please note, all required fields are marked with an asterisk.

CLOSE AN ACCOUNT



NOTE: A sub-account should be closed the same day you disburse funds out of the master account. If you fail to close the

account, it will continue to accrue interest (if interest-bearing) and will result in an out-of-balance situation. Once the check or

disbursement has cleared the master account, you must clear the transaction (see the Allocations section on page 11).

To access the Close Account screen, you will first need to select a Master Account, as well as an escrow sub-account. Once

you have selected both, hover over Escrow Accounts in the top gray toolbar, and click on Manage Account. Once the screen

populates, you will need to click Close. Once you click Close, a pop-up will appear requesting a reason for closing the account.

You will then need to enter a reason and click OK. The account will then close. Once complete, you will notice a new account

status with the date the account was closed. Please note, the reason entered is for your recordkeeping purposes only. Also, a

closed sub-account can only be reopened the same day it was closed.

VIEW OR HIDE CLOSED ACCOUNTS

To access this option, you will first need to select the Master Account. After you have selected the account, hover over

Escrow Accounts, and click on Select Escrow Account.

Once on the Select Escrow Account screen, you should see an option labeled Hide Closed Escrow Accounts. Clicking Yes will hide closed accounts, and clicking No will make hidden closed accounts visible.



SECTION IV: TRANSACTIONS

VIEW MASTER PENDING ACTIVITY


hover over Transactions in the top gray toolbar, and click on View Master Pending Activity.

This screen will display all pending transactions on the account.

DELETE PENDING TRANSACTIONS

On the View Master Pending Activity screen, you will also have the option of deleting pending transactions. To delete a

pending transaction, click the check box next to the name of the transaction you’d like to delete, and then click the delete icon

, located at the top of the check box column. Please note, deleting a transaction will remove your ability to

allocate those funds, preventing interest from earning. Please see section entitled “Restore Transactions” for instructions on

how to restore deleted transactions.

RESTORE TRANSACTIONS

Similar to the View Master Pending Activity screen, you will have the option to restore transactions that have been removed or

deleted. To restore a deleted or removed transaction, click the check box next to the name of the transaction you’d like to

restore, and then click the restore icon , located at the top of the check box column. Please note, you can

only restore transactions that were deleted within that business day.

ALLOCATIONS

NOTE: It is extremely important that all transactions are allocated between the Master Account and the appropriate sub-

account. Prior to allocating a deposit to a new sub-account, you must send an accurate and complete W-9 or W-8 form so

that the sub-account can be certified. Allocations cannot be made to an uncertified account. Deposits that have not been



allocated to a sub-account will not earn interest.


hover over Transactions in the top gray toolbar, and click on Allocations.

This screen will show all deposits or withdrawals that need to be allocated.

To allocate funds, click Select Escrow Account towards the top of the screen under the Allocations section. In the next

section, select which transaction you would like to allocate. On the allocation details screen, enter the amount and click

Submit. You should be able to view pending allocations on the View Master Pending Activity screen. Please note, funds must

be allocated to their sub-accounts to earn interest.

If a withdrawal has occurred on the master for a sub-account that has been closed, the transaction should be removed. This

will need to be completed anytime a check has cleared for your client whose sub-account is now closed. To complete this,

select the transaction under the Master Account Transactions section and click on Remove. The transaction will then

appear under the Removed Transactions section. If you remove a transaction in error, you can restore it by selecting the

check box for that line item and then clicking on Restore.



SECTION V: ADMINISTRATOR FUNCTIONS ( F O R A D M I N U S E R S )

LOG IN SCREEN

Upon logging into the site, you’ll see two dropdown menus labeled Administration and Master Accounts. All of the features

available within the site are accessible through the gray toolbar, located at the top of the page.

EDIT MY USER PROFILE

To access this section, hover over Administration, and select Edit My User Profile.

On this screen, you will be able to edit your first name, last name, email address, or phone number. Once you have entered the

updated information, click Submit to complete the change. Please note, the last name field is required for all

changes.



USER ADMINISTRATION

To access this section, hover over Administration and select User Administration. You should then see a list of users linked

to your accounts. After you select a user, the user profile edit screen will appear.

This screen will allow updates to be made on a user’s account, such as name, contact information, or permissions. Once on the

screen, you will need to select the user’s account you need to update. The profile edit screen should then appear. This screen

is divided into two sections, User Profile and Master Account Access. The User Profile section allows you to make updates to

the user’s name or contact information. Once the correct information has been entered, click Submit to

complete the change. Please note, the user ID should not be altered from the ID provided by M&T Bank. Altering the user ID

will cause log in issues.



ADD USER PERMISSIONS

The permissions page can be accessed by hovering over Administration and selecting User Administration. To make a

change in the Master Account Access section, you will first need to select the account number where you’d like the

permissions to be altered. Once you select the account, you will need to check either Yes to allow or No to revoke access for

the various permissions. Once you have selected the correct permissions for the user, click Add to complete the

change.

Create-Permits the selected user to add new sub-accounts to the selected Master Account

Change-Permits the selected user to edit sub-accounts related to the selected Master Account

Close-Permits the selected user to close sub-accounts related to the selected Master Account

Transfers from Escrow-Permits the selected user to transfer funds from the selected account to the related Master

Account-This feature is currently unavailable.

Transfers to Escrow-Permits the selected user to transfer funds from the related Master Account to the sub-account-This

feature is currently unavailable.

Allocate-Permits the selected user to allocate funds to and from the selected Master Account and its related sub-accounts

Account Overdraft-Permits the selected user to bring the available Master Account balance below zero (if needed) in order

to allocate funds to its related sub-account

Sub-account Overdraft-Permits the selected user to bring the available sub-account balance below zero (if needed) in order

to allocate funds to its related Master Account-This feature is currently unavailable.

Statement Request-Permits the user to request statements for the selected account -This feature is currently unavailable.

REMOVE OR CHANGE USER ACCESS

To access this section, hover over Administration and select User Administration.

You will then need to select the user account where you’d like to change or remove access. At the bottom of the page, you

should see their current permissions. To remove access, click the check box next to the permission you would like to revoke,

and click Remove .

To change access, you will first need to remove the incorrect access. Once the access is removed, you will then need to add

new permissions.



INFORMATION MESSAGES

To access this section of the site, you will need to hover over Administration, and click on Information Messages. This

section will display any messages on your account, such as alerts regarding available statements.

USER LIST

To access the user list, hover over Administration, and click on User List.

This screen will display all users linked to the administrative account. By clicking on an individual’s user ID, you are able to

update the user’s name and contact information, as well as their permissions. Please see section labeled User Administration.

CREATE NEW USER

To access this section, hover over Administration and select Create New User from the drop down.

On this screen, you will enter the user ID for the new account; enter their name, the type of account they are to have, and their

contact information. Please note, User ID (UUID created in Commercial Services), Last Name, User Type (please see below for

explanation of user types), and the Send Email To fields are all required to create a new account. Once all information has been

entered, click Add to complete the registration. Please note, changing a user ID once it is created could cause log in



issues for that user. It is recommended you ensure the user is aware of the user ID change and contact M&T with any

problems.

USER TYPES

Customer Administrator (Type “C” user)-This user may perform administrative functions and account functions. This user

may maintain other Customer Administrators for the same customer (based on the Customer Identification assigned by the

bank) and maintain Customer Users. This user has access to all master accounts for the customer and may perform any

available functions for those master accounts and related escrow accounts.

Customer Users (Type “U” user)-This user may only perform account functions for those master accounts assigned to them

by the Administrator, the Master User, or the Customer Administrator. Functions available to this user are limited to the

escrow account permissions granted to them by the Administrator, the Master User, or the Customer Administrator.

DELETE A USER PROFILE

To access this section, hover over Administration, and click on User Administration. You will then need to select the user

you’d like to delete. To delete the profile, you will need to enter the user’s last name then click the delete icon

located below the user profile information. You will then be asked to either confirm if you would like to delete the profile or

cancel the request. To process the request, click the accept icon . To cancel the request and leave the

account active, click the cancel icon .



VIEW ADMINISTRATOR ACTIVITY

To access this section, hover over Administration and click on View Administrator Activity. This section will allow you to view

all activity completed on your administrator account.

ADMIN GUIDE

To access the Admin Guide, hover over Administration, and click on Admin Guide. You should then have a new tab or new

window open displaying the guide in a PDF format.

SECTION VI: CONCLUSION

USER GUIDE

To access the user guide, you will first need to select a Master Account. Once an account has been clicked, you should be able

to hover over Master Accounts, in the top gray toolbar, and click on User Guide. The user guide will provide step by step

instructions for performing system functions.

SIGN OFF

To fully sign out of Escrow Online, click Signoff in the top right corner.



CONTACT INFORMATION

WE ARE HERE TO ASSIST YOU.

For Commercial Services Single Sign-On questions or other Treasury Management services, please contact your Treasury

Management Consultant or call M&T’s Commercial Service Team at:

1 (800) 724-2240 MONDAY – FRIDAY 8AM TO 6PM ET

eSCROW ONLINEsection i: NAVIGATING THE SITEsection iI: MASTER ACCOUNTSSECTION III: ESCROW ACCOUNTSSECTION IV: TRANSACTIONSSECTION V: ADMINISTRATOR FUNCTIONS (FOR ADMIN USERS)SECTION VI: CONCLUSIONCONTACT INFORMATION

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