1st SouthWest Bank Online Banking User Guide

Online Banking User Guide

II

Published by Murphy & Company, Inc. 13610 Barrett Office Drive

St. Louis, MO 63021 www.mcompany.com

© 2009-2024 Murphy & Company, Inc. Macintosh is a trademark of Apple Inc., registered in the U.S. and other countries. Android is a trademark of Google LLC. Adobe Reader is a registered trademark of Adobe Systems, Inc. © 2012

Disclaimer Concepts, strategies and procedures outlined in this guide can and do change and may not be applicable to all readers. The content in this guide is not warranted to offer a particular result or benefit. Neither the author, publisher nor any other party associated with this product shall be liable for any damages arising out of the use of this guide, including but not limited to loss of profit, commercial, special, incidental or other damages. For complete product and service information, please refer to the terms, conditions and disclosures for each product and service.

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Getting Started

Welcome to Online Banking with First Southwest Bank! Whether you are at home or at the office using a mobile phone, tablet or laptop, we strive to make your Online Banking experience easy and convenient. You can navigate this guide by clicking a topic or feature in the Table of Contents. Each section provides an overview and steps to help you during the Online Banking process. If you have additional questions, contact us at 866-641-3792.

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Table of Contents Getting Started

New User Enrollment ...................................................................................................7 Logging In.......................................................................................................................8 Logging Off ............................................................................................................................. 8 Resetting a Forgotten Password .................................................................................9 Dashboard Dashboard Overview..................................................................................................10 Organize Dashboard ..................................................................................................12 Accounts Accounts Overview .....................................................................................................13 Account Details ...........................................................................................................14 Account Settings .........................................................................................................16 Download Transactions .............................................................................................17 Transaction Details .....................................................................................................18 Removing a Transaction Tag .............................................................................................. 19 Open a New Account..................................................................................................20 Security Protecting Your Information......................................................................................22 General Guidelines .............................................................................................................. 22 Login ID and Password........................................................................................................ 22 Fraud Prevention ................................................................................................................. 22 Security Preferences...................................................................................................23 Change Username ............................................................................................................... 23 Change Password ................................................................................................................ 24 Passkey Sign In..................................................................................................................... 25 Connected Apps (Desktop Only) ........................................................................................ 26 Direct Connect (Desktop Only)........................................................................................... 26 Two-Factor Authentication ................................................................................................. 27 Mobile Security Preferences......................................................................................30 Enabling Biometric Sign-In.................................................................................................. 30 Changing Passcode Authentication................................................................................... 32 Enabling Face ID................................................................................................................... 33 Alerts Alerts Overview ...........................................................................................................34 Balance Alerts....................................................................................................................... 34 Transaction Alerts................................................................................................................ 35

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Editing or Deleting Alerts ...........................................................................................36 User Alerts ...................................................................................................................37 Mobile Notifications ...................................................................................................38 Transactions Transfers ......................................................................................................................39 Adding an External Account ............................................................................................... 40 Confirming an External Account ........................................................................................ 41 Removing an External Account .......................................................................................... 42 Making a Transfer ................................................................................................................ 43 Making a Loan Transfer ...................................................................................................... 44 Editing Transfers .................................................................................................................. 45 Deleting Transfers ............................................................................................................... 46 Send Money with Zelle® Setup ............................................................................................................................47 Initial Setup........................................................................................................................... 47 Adding a Recipient ......................................................................................................48 Send Money with Zelle ®................................................................................................................................................................ 49 Request Money with Zelle ® ...................................................................................................................................................... 51 Manage Payment Profiles..........................................................................................52 Bill Pay Bill pay Overview.........................................................................................................54 Adding a Payee............................................................................................................55 Adding a Person................................................................................................................... 55 Adding a Company .............................................................................................................. 57 Editing a Payee ..................................................................................................................... 58 Deleting a Payee .................................................................................................................. 59 Payees ..........................................................................................................................60 Adding a Bill.......................................................................................................................... 60 Making a Single Payment...........................................................................................62 Paying a Bill........................................................................................................................... 62 Paying a Person.................................................................................................................... 64 Making Multiple Payments ........................................................................................66 Paying Multiple Bills............................................................................................................. 66 Paying Multiple People........................................................................................................ 68 Payment Activity..........................................................................................................70 Editing a Pending Payment ................................................................................................ 70 Deleting a Pending Payment ............................................................................................. 72

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Services Stop Payment Request...............................................................................................74 Single Check ......................................................................................................................... 74 Multiple Checks ................................................................................................................... 76 Documents ..................................................................................................................78 Documents Enrollment ....................................................................................................... 78 Viewing eStatements/Notices............................................................................................. 80 Changing Enrolled Accounts............................................................................................... 81 Email Settings ....................................................................................................................... 82 Adding Additional Recipients ............................................................................................. 83 Deposit Checks............................................................................................................84 Enrollment ............................................................................................................................ 84 Depositing a Check .............................................................................................................. 85 Conversation Overview ..............................................................................................87 Starting a Conversation..............................................................................................88 Check Reorder.............................................................................................................89 Spending Habits Initial Setup..................................................................................................................90 Tagging Transactions........................................................................................................... 92 Splitting a Transaction......................................................................................................... 93 Spending Habits Dashboard......................................................................................95 Spending by Category ................................................................................................96 Budget ..........................................................................................................................98 Adding Budgets.................................................................................................................... 99 Managing Budgets............................................................................................................ 100 Add a Budget Alert............................................................................................................ 102 Cashflow Overview .................................................................................................. 103 Add a Bill or Income ......................................................................................................... 104 Net Worth ................................................................................................................. 105 Add an Unlinked Asset or Debt....................................................................................... 106 Goals.......................................................................................................................... 107 Adding Goals ..................................................................................................................... 108 Save for Goals.................................................................................................................... 108 Pay Off Goals ..................................................................................................................... 109 Add a Goal Alert ................................................................................................................ 110 Managing Goals ................................................................................................................ 111 Settings Profile ........................................................................................................................ 112

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Getting Started New User Enrollment

If you’re new to Online Banking with FSWB, you need to complete the enrollment process the first time you log in. Once you complete these few quick steps, you’ll be on your way to banking everywhere you go!

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1. Click the Login button. 2. Click the “Enroll” link. 3. Fill out the New User Enrollment Form with the required information, and click the Next button. 4. Supply your information for two-factor authentication, email address and phone number. 5. Review the user agreement and click the Agree button. 6. Create a username and password in the provided fields then click the Next button. Click the “Show Rules” link to view the types of characters to include. 7. The Dashboard will appear.

Getting Started: New User Enrollment

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Getting Started Logging In

After your first-time enrollment, logging in is easy and only requires your username and password. If you are logging in on a device you have not previously registered, you need to request a two-factor authentication (2FA) code.

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1. Click the Login button. 2. Enter your username and click the Sign In button. 3. Enter your password and click the Sign in button.

Logging Off For your security, you should always log off when you finish your Online Banking session. We may also log you off due to inactivity. 1. Click your name in the lower left corner of the screen. 2. Click the Sign out tab. 3. Close your internet browser.

Getting Started: Logging In

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Getting Started Resetting a Forgotten Password

If you happen to forget your password, you can easily reestablish a new one from the FSWB Home page—no need to call us!

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1. Click the “Forgot?” link. 2. Enter your username. 3. Enter your email address. 4. Click the Next button.

5. (Optional) If you don’t remember your username or email click the “Try another way” link and enter your social security number and account number. 6. After successfully completing the two-factor authentication, you will be able to create a new password and log in.

Getting Started: Resetting a Forgotten Password

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Dashboard Dashboard Overview

After logging in, you are taken directly to the dashboard. From here, you can navigate to every feature within Online Banking. You can view the balances in your accounts, see your account summaries and more!

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Note : The letters correspond to several available features on the dashboard.

Dashboard: Dashboard Overview

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A. The navigation bar appears in every view on the left side of the screen. You can navigate to Online Banking features by selecting the appropriate drop-down tab. B. Your accounts are displayed in an account card with its balance. If you click an account card, you are taken to the Account Details page. C. The icon allows you to add an account, organize your accounts, change the view or organize your dashboard. For more information about adding an account go to page 20. D. Feature buttons let you quickly access different Online Banking features. E. Customizable cards appear on the dashboard, so you can easily access the features most important to you.

Dashboard: Dashboard Overview

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Dashboard Organize Dashboard

Reorder and add new cards to customize your dashboard.

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Click the Organize dashboard button at the bottom of the dashboard. A. Click and drag a feature card to reorder them. B. Click the icon to delete a feature card. C. Click the “+ Add a card” link to add a new card. D. Click the “Done” link when you are finished to return to your dashboard.

Dashboard: Organize Dashboard

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Accounts Accounts Overview

The accounts tab lists all of your available accounts.

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Click the Accounts tab. A. Use the

icon to search your accounts. B. Click the Organize accounts button to reorder your accounts. C. The total balance of all your accounts is displayed in the top right corner. D. Click on an account to view recent transactions.

Accounts: Accounts Overview

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Accounts Account Details

Selecting a FSWB account on the dashboard takes you to the Account Details page, where you can view every transaction pertaining to that account. From here, you can view details such as type of transaction, check images and account balances, so you stay organized and on top of your finances.

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Accounts: Account Details

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A. Download your transactions into a different format by clicking the

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See page 17 for more information. B. Print a list of your transactions by clicking the

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icon opens the search bar to sort and find transactions within that

account. D. The Transfers button allows you to transfer money between your accounts. See page 39 for more details. E. The eStatements button allows you to enroll in digital statements. See page 78 for more information. F. The Spending Habits button takes you to our budgeting tool. See page 90 for more information. G. The Stop payments button allows you to stop a pending check payment. See page 74 for more information. H. The Alert preferences button allows you to create alerts for that account. See page 34 for more information. I. The Settings button allows you to edit the display options for that account. See page 23 for more information. J. The Attach to a conversation button allows you to start a conversation with FSWB. K. You can view more details about a transaction by clicking on it. L. Additional details about the account are displayed in the lower right corner.

Accounts: Account Details

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Accounts Account Settings

Change an account’s name and display options.

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In the Accounts tab, select an account. 1. Click the Settings button. 2. Click the “Rename” link to rename the account. 3. Use the toggles to change the account’s display options.

Accounts: Account Settings

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Accounts Download Transactions

Easily download a list of transactions.

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In the Accounts tab, select an account. 1. Click the icon. 2. Select a date range. 3. Select a file type. 4. Click the Download button.

Accounts: Download Transactions

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Accounts Transaction Details

View additional details about each transaction. You can also add tags, notes, and images to each transaction.

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In the Accounts tab, select an account. 1. Click a transaction.

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A. Click the “Add tags” link to categorize a transaction. B. Click the “Add notes” link to add a note to a transaction. C. Click the icon to add an image to a transaction. D. Click the “Ask us about this transaction” link to start a conversation about that transaction. Note : Adding a tag makes transactions easier to search. Adding an image is a great way to organize receipts. Try this feature using FSWB’s mobile app.

Accounts: Transaction Details

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Removing a Transaction Tag

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In the Accounts tab, select an account. 1. Click the transaction with the tag you would like to rename or remove. 2. Click the “Tags” link. 3. Click a tag to remove it.

Accounts: Transaction Details

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Accounts Open a New Account

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Click the Accounts tab . 1. Click the Open my account button. 2. Confirm your email address and click the Continue button. 3. Review the Esign Disclosure and click the Continue button. Enter your signature and click the Continue button. 4. Enter your employment information and click the Continue button.

Accounts: Open a New Account

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5. Review the Rates Disclosure and click the Continue button. 6. Select an account. 7. (Optional) Click the “Add Account” link to add another account. 8. Click the Continue button when you are finished. 9. If necessary add any additional applicants. 10. Review the additional services and click the Continue button. 11. Answer the required questions and click the Next question button to move to the next question. 12. When you are finished, click the Submit questionnaire button.

Accounts: Open a New Account

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Security Protecting Your Information

Here at FSWB, we work hard to protect your personal information and provide you with a dependable online experience. However, we rely on you to take further precautions to assure the safety of your accounts. By following our tips, Online Banking can be a secure and efficient method for your banking needs. General Guidelines • Make sure your operating system and antivirus software are up to date. • Always use secure wireless (WiFi) networks that require a login ID and password. • Never leave your computer unattended while using Online Banking. • Monitor your recent account history for unauthorized transactions. • Always log off Online Banking when you’re finished and close the browser. Login ID and Password • Create strong passwords by using a mixture of uppercase and lowercase letters, numbers and special characters. • Do not create passwords containing your initials or birthday. • Change your passwords periodically. • Memorize your passwords instead of writing them down. • Only register personal devices, and avoid using features that save your login IDs and passwords. Fraud Prevention • Do not open email attachments or click on links from unsolicited sources. • Avoid giving out personal information on the phone or through email. • Shred unwanted sensitive documents including receipts, checks, deposit slips, pre-approved credit card offers and expired cards. • Act quickly. If you suspect your financial information is compromised, call us immediately at 866-641-3792.

Security: Protecting Your Information

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Security Security Preferences

We take security very seriously at FSWB, so we have added various tools to help you better protect your account information. You can add and manage these features in Security to strengthen your Online Banking experience.

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Click your name in the lower left corner of the screen, then click Account Settings . 1. Click the Security tab. Change Username You can change your username at any time. Create a unique username you will remember and follow our required guidelines.

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1. Click the “Edit” link next to your username. 2. Enter your password and click the Confirm password button. 3. Enter your new username. 4. Click the “Show rules” link to view FSWB’s username requirements. 5. Click the Save button when you are finished making changes.

Security: Security Preferences

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Change Password You can change your Online Banking password whenever you want to. Follow our guidelines to create a strong password.

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5 1. Click the “Edit” link next to your password. 2. Enter your current password. 3. (Optional) Click the “Show rules” link to view FSWB’s password requirements. 4. Enter and confirm a new password. 5. Click the Save button when you are finished making changes.

Security: Security Preferences

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Passkey Sign In Use biometrics, like a fingerprint or face ID, to easily sign in to your account without entering your password.

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1. Use the toggle to enable passkey. 2. Enter your password and click the Confirm password button. 3. Choose how you want to create a passkey and follow the directions for your device.

Security: Security Preferences

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Connected Apps (Desktop Only) Edit the external app and website permisions that can access your account.

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1. Click the “Manage” link.

Direct Connect (Desktop Only) Approve connection requests for Intuit desktop products or Quicken.

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1. Click the “Manage” link.

Security: Security Preferences

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Two-Factor Authentication We can verify your identity by sending a verification code to you by text message, voice call or use of the Authy App. From here, you can make changes to your delivery preferences.

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1. Click the “Edit settings” link to reset your account. 2. Enter your password and click the Confirm password button.

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3. Click the “Remove” link to remove a verification method. 4. Click the “Set up” link under “Voice or text message” to add another verification method. a. Enter your phone number, select how you would like to recieve the verification codes and click the Next button. Enter your verification code and click the Verify button. 5. Click the “Set up” link under “Authy” to use the Authy app to generate a unique code to authenticate your account.

a. Enter your email address and phone number and click the Next button. You will need to download the Authy app to receive your code.

Security: Security Preferences

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6. Click the “Set up” link under “Authenticator app” to use an authenticator app to generate a unique code to authenticate your account. a. Enter a nickname for the authenticator app and click the Next button. b. Scan the QR code with your authenticator app or enter the code manually to set up your account. c. Enter the verification code and click the Verify button.

Security: Security Preferences

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Security Mobile Security Preferences

Within FSWB’s Mobile Banking app, you have the ability to set up security preferences that are not available on a desktop computer. These additional preferences make signing into your Mobile Banking quick and easy, but also add an extra layer of security to your private information while you are on the go! Enabling Biometric Sign-In Biometric Sign-In uses fingerprint recognition technology, allowing you to perform tasks on your Apple ® or Android TM device with just your fingerprint. With this feature enabled, you can quickly and securely access your accounts using our mobile app!

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Sign in to FSWB’s Mobile Banking app and tap your name at the bottom of the menu, then click Settings . 1. Tap the Security tab. 2. Toggle the Biometric sign-in switch from “Off” to “On.” 3. Tap the “Enroll” link.

Security: Mobile Security Preferences

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4. Tap the Continue button. 5. Before you can register your fingerprints, you need to set a secure screen lock. Follow the steps to enable your preferred screen lock. 6. Scan your fingerprint. a. Apple® Device : Place your finger on the Home button to enable Touch ID. b. Android TM Device : Place your finger on the fingerprint scanner to enable Fingerprint Login. Location of scanner varies from device to device.

Security: Mobile Security Preferences

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Changing Passcode Authentication You can easily change the passcode created during your initial login.

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menu, then click Settings . 1. Tap the Security tab.

2. Tap the Change passcode tab. 3. Enter your current passcode. 4. Enter a new passcode. 5. Confirm the new passcode.

Security: Mobile Security Preferences

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Enabling Face ID Face ID is a feature which utilizes facial recognition technology, allowing you to unlock your Apple® device with your face instead of a login ID and password.

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Sign in to FSWB’s Mobile Banking app and tap your name at the bottom of the menu, then click Settings . 1. Tap the Security tab. 2. Toggle the Face ID switch from “Off” to “On.” 3. Tap the “Enable Face ID” link.

Note : You must have Face ID enabled on your mobile device before enabling it through our Mobile Banking app.

Security: Mobile Security Preferences

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Alerts Alerts Overview

Stay on top of the transactions flowing to and from your accounts. When you create an alert through Online Banking, you specify the conditions that trigger that alert, so you stay on top of what’s important to you. Balance Alerts There should be no surprises when it comes to your finances. Balance Alerts can notify you when the balances in your accounts go below or above a set amount.

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In the Accounts tab, select an account. 1. Click the Alert preferences button. 2. Click the Balances, transactions, and deposits button. 3. Click the “+ Add alert” link. 4. Create an alert. 5. Check the boxes to select a notification method. 6. (Optional) Click the “Need to update your contact information?” link to update your contact information. 7. Click the Add alert button.

Alerts: Alerts Overview

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Transaction Alerts Different types of transactions can occur in your accounts. By creating Transaction Alerts, you can be notified when various transfers, payments or debits post to your account.

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In the Accounts tab, select an account. 1. Click the Alert preferences button. 2. Click the Balances, transactions, and deposits button.

3. Click the Transaction tab. 4. Click the “+ Add alert” link. 5. Create an alert. 6. Check the boxes to select a notification method. 7. (Optional) Click the “Need to update your contact information?” link to update your contact information. 8. Click the Add alert button.

Alerts: Alerts Overview

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Alerts Editing or Deleting Alerts

Quickly and easily edit or delete existing alerts.

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In the Accounts tab, select an account. 1. Click the Alert preferences button. 2. Click the Balances, transactions, and deposits button. 3. Click the “Edit” link next to the alert you would like to edit or delete. 4. To edit an alert: a. Make the necessary changes. b. Click the Save button. 5. To delete an alert: a. Click the icon.

Alerts: Editing or Deleting Alerts

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Alerts User Alerts

Edit how common user alerts are delivered.

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Click your name in the lower left corner of the screen, then click Account Settings . 1. Click the User alerts button. 2. Click an alert to make changes. 3. Use the toggles to select how you would like to receive the alert. 4. Click the Save button when you are finished.

Alerts: User Alerts

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Alerts Mobile Notifications

Have alerts sent directly to your mobile device. Mobile notifications are completely free to receive and will show up as a banner at the top of your lock screen or in your “notification tray.”

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Sign in to FSWB’s Mobile Banking app and tap your name at the bottom of the menu, then click Settings . 1. Click the Notifications button. 2. Use the Notifications switch to enable or disable mobile notifications. 3. Select which types of notifications you would like to receive.

Alerts: Mobile Notifications

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Transactions Transfers

Use the Transfers feature when you need make a one-time or recurring transfer between your FSWB or external accounts. These transactions go through automatically, so your money is always where you need it to be.

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Click the Transfers tab . A. Click the + External account button to add an external account. B. Click the Make a transfer button to make a transfer. C. Scheduled transfers are displayed as a list and on a calendar. D. Click the External accounts tab to view your external accounts.

Transactions: Transfers

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Adding an External Account Your accounts at other financial institutions can be linked to Online Banking with FSWB, so you can transfer money between two financial institutions without ever leaving home! When you go to add another account, you are asked to verify your ownership of that account by confirming two small deposits FSWB makes into the external account.

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Click the Transfers tab . 1. Click the + External account button to add an external account. 2. High risk transactions, such as adding an external account, require you to confirm your password. 3. Enter the account name. 4. Enter the financial institution’s routing number. These numbers are located at the bottom of a paper check or deposit slip from your checkbook. 5. Enter the account number. 6. Select the type of account using the “Account Type” drop-down. 7. Click the Submit button. In one to three business days, two small deposits will appear in your external account. Once you receive the deposits, you will need to confirm the deposits.

Transactions: Transfers

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Confirming an External Account As soon as FSWB makes two small deposits of less than a dollar into your external account, you are asked to verify those amounts within Online Banking. Once they are confirmed, you can begin transferring money to the external account.

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Click your name in the lower left corner of the screen, then click Account Settings . 1. Click the External Transfers tab. 2. Select the account you would like to verify. 3. Enter the amounts of the two micro-deposits made into your external account. 4. Click the Confirm button when you are finished. 5. Your can now make transfers to your external account.

Transactions: Transfers

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Removing an External Account You can easily remove an external account if it is no longer needed. Any scheduled transfers involving the account will be deleted.

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Click your name in the lower left corner of the screen, then click Account Settings . 1. Click the External Transfers tab. 2. Click the “Remove account” link. 3. Click the Remove button to remove the external account.

Transactions: Transfers

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Making a Transfer

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Click the Transfers tab . 1. Click the Make a transfer button. 2. Select the accounts to transfer funds between using the “From” and “To” drop-downs. 3. Enter the amount to transfer. 4. (Optional) Click the “More options” link to view additional options. 5. Use the drop-down to select a frequency. 6. Use the calendar feature to select a date. 7. Click the Submit button when you are finished. 8. Once you receive a confirmation message, click the Done button.

Transactions: Transfers

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Making a Loan Transfer

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Click the Transfers tab . 1. Click the Make a transfer button. 2. Select the accounts to transfer funds between using the “From” and “To” drop-downs. 3. Enter the amount to transfer. 4. (Optional) Click the “More options” link to view additional options. a. Use the drop-down to select a payment type. b. Use the drop-down to select a frequency. c. Use the calendar feature to select a date. d. Enter a memo. 5. Click the Submit button when you are finished. 6. Once you receive a confirmation message, click the Done button.

Transactions: Transfers

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Editing Transfers You can edit pending transactions up until their process date.

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Click the Transfers tab . 1. Browse through your pending transactions and locate the transaction you would like to edit. 2. Make the necessary edits and then click the Save button when you are finished. 3. Once you receive a confirmation message, click the Done button.

Transactions: Transfers

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Deleting Transfers You can delete pending transactions up until their process date.

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Click the Transfers tab . 1. Browse through your pending transactions and locate the transaction you would like to delete. 2. Click the icon. 3. Click the Delete button. 4. Click the OK button.

Transactions: Transfers

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Send Money with Zelle® Setup

Send money to family and friends anywhere! Person-to-person payments are a digital cash alternative that make sending and receiving money as easy as emailing and texting. Whether it’s paying allowance, splitting the check or sending a birthday gift, person-to-person payments allow you to quickly transfer money from your existing debit account to almost anyone you know and trust with a bank account in the U.S. Initial Setup

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Click the Send money with Zelle ® tab. 1. Choose or add a new email address or mobile number to have a 6-digit verification code sent to. 2. Choose your primary account and click the Continue button. 3. Enter the verification code and click the Verify button.

Send Money with Zelle®: Setup

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Send Money with Zelle® Adding a Recipient

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Click the Send money with Zelle ® tab. 1. Click the Manage recipients button. 2. Click the icon. 3. Enter your password and click the Confirm password button.

4. Enter the recipient’s first name and last name. 5. Enter an email address or phone number. 6. Click the Add button.

Send Money with Zelle®: Adding a Recipient

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Send Money with Zelle® Send Money with Zelle ®

Send money to anyone you trust in the Zelle ® network using only their name and contact information. Note : To send money using Zelle ® ,you will be asked to send a 6-digit verification code to either the phone number or email address you selected during Zelle ® setup.

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Click the Send money with Zelle ® tab. 1. Click the Send button. 2. Select a recipient. 3. Enter an amount to send. 4. Select an account to send from. 5. Click the Review button.

Send Money with Zelle®: Send Money with Zelle®

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6. (Optional) Enter a reason for the payment. 7. Click the Send button.

Note : If your contact isn’t registered with Zelle ® , we’ll send them a notice about your payment and ask them to take a moment to register. Your contact will receive your money within 3 business days after registering with Zelle ® (or on the delivery date, whichever is later).

Send Money with Zelle®: Send Money with Zelle®

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Send Money with Zelle® Request Money with Zelle ®

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Click the Send money with Zelle ® tab. 1. Click the Request button. 2. Select a recipient. 3. Enter an amount to request. 4. Select an account to deposit to. 5. Click the Review button. 6. (Optional) Enter a reason for the request. 7. Click the Request button.

Send Money with Zelle®: Request Money with Zelle®

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Send Money with Zelle® Manage Payment Profiles

Easily add another email or mobile number to your payment profile.

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Send Money with Zelle®: Manage Payment Profiles

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3. Either choose a contact method or add a new one. a. To add a new mobile number or email, click the “+ Add a new mobile number or email” link. b. Enter an email or phone number. c. Click the Add button. 4. Click the Continue button. 5. Choose a primary account. 6. Click the Continue button. 7. A 6-digit verification code will be sent to you. Enter the code and click the Verify button.

Send Money with Zelle®: Manage Payment Profiles

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Bill Pay Bill pay Overview

Sending payments to companies and individuals has never been easier! Bill pay with FSWB helps you stay on top of your bills, allowing you to quickly manage your payments and never miss a due date.

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Click the Bill pay tab . A. Click the + New payee button to add a company or a person as a payee. B. Click the Pay a bill or Pay a person buttons to make a payment. C. Scheduled payments are displayed as a list and on a calendar. D. Click the Payees tab to view your payees.

Bill Pay: Bill pay Overview

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Bill Pay Adding a Payee

Adding a Person

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Click the Bill pay tab . 1. Click the + New Payee button and select “Person.” 2. Select a payment method.

• Direct Deposit: Payments are electronically deposited into your payee’s account. • Email: Your payee will receive an email to accept payments. • Text Message (SMS): Your payee will receive a text message to accept payments. • Check: Your payee will revieve payment via a check mailed to the payee’s address. 3. Enter the person’s first and last name. 4. (Optional) Enter a nickname. 5. Enter their phone number. 6. Enter the required payment information. This information will vary depending upon the payment method selected in Step 2. 7. Click the Submit button.

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8. Confirm your password. 9. Click the “I’m done” link.

Note : If a keyword is used, the keyword will need to be shared with the payee immediately. As soon as they activate their account, you can send them payments.

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Adding a Company

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Click the Bill pay tab . 1. Click the + New Payee button and select “Company.” 2. Enter the payee name.

3. (Optional) Enter a nickname. 4. Enter their phone number. 5. Enter their account number. 6. (Optional) Enter the name on the bill. 7. Enter the address.

8. Click the Submit button. 9. Confirm your password. 10. Click the “I’m done” link.

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Editing a Payee You can make changes to an existing payee at any time. This is especially beneficial if a payee’s account number or contact information changes.

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Click the Bill pay tab . 1. Click the Payees tab. 2. Click the payee you wish to edit. 3. Click the “Edit” link. 4. Confirm your password. 5. Make the necessary changes and click the Submit button.

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Deleting a Payee If you no longer need a payee and wish to remove them from Bill pay, you can do so from the Bill pay page.

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Click the Bill pay tab . 1. Click the Payees tab. 2. Click the payee you wish to edit. 3. Click the “Edit” link. 4. Confirm your password. 5. Click the icon. 6. Click the Delete button. 7. Click the OK button.

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Bill Pay Payees

Using Bill pay can save you time with payee profiles for the companies or people you pay regular bills to. Whether it’s a one-time payment or a frequent occurrence, managing your payees lets you pay your bills on time in just a few clicks. Adding a Bill 1

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Click the Bill pay tab . 1. Click the Pay a bill button. 2. Click the “+ Add another bill” link 3. Enter the payee name. 4. (Optional) Enter a nickname. 5. Enter their phone number. 6. Enter their account number. 7. (Optional) Enter the name on the bill.

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8. Enter the address. 9. Click the Submit button. 10. Confirm your password. 11. Click the “I’m done” link when you are finished.

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Bill Pay Making a Single Payment

After creating a payee, you can begin paying your bills online without the hassle of cash or checks. You can effortlessly pay a single bill or schedule payments for the future, so you never miss a deadline. Paying a Bill

Note : Be sure to schedule payments in advanced of your bill’s due date to avoid late payments.

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Click the Bill Pay tab . 1. Click the Pay a bill button. 2. Select a bill. 3. Enter an amount. 4. (Optional) Click the “More options” link. 5. (Optional) For recurring payments, choose a frequency. Bill Pay: Making a Single Payment

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9. (Optional) Enter a note. 10. Click the Submit button. 11. Click the Done button.

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Paying a Person

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Click the Bill pay tab . 1. Click the Pay a person button.

2. Select a person. 3. Enter an amount. 4. (Optional) Click the “More options” link.

5. (Optional) For recurring payments, choose a frequency.

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6. (Optional) Select a day to start sending payments and click the Confirm button. 7. (Optional) Select a start date and click the Confirm button. 8. (Optional) Select when a payment will end. If necessary, enter an end on date or number of payments.

9. (Optional) Enter a note. 10. Click the Submit button. 11. Click the Done button.

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Bill Pay Making Multiple Payments

You can schedule different payments for multiple payees at the same time, so you can pay all your bills at once! Paying Multiple Bills 1

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Click the Bill pay tab . 1. Click the Pay a bill button. 2. Click the Multiple tab. 3. Select multiple bills. 4. Choose an account to send funds from for each bill. 5. Enter a send on date for each bill. 6. Enter an amount for each bill. 7. Click the Review and pay button.

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8. Review the payments and click the Submit payments button. 9. Click the Done button.

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Paying Multiple People

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Click the Bill pay tab . 1. Click the Pay a person button.

2. Click the Multiple tab. 3. Select multiple people. 4. Choose an account to send funds from for each person. 5. Enter a send on date for each person.

6. Enter an amount for each person. 7. Click the Review and pay button.

Bill Pay: Making Multiple Payments