American Savings Bank: eBanking for Business Resource Guide

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eBANKING for BUSINESS R E S OU R C E G U I D E

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

St. Louis, MO 63021 www.mcompany.com

© 2009-2016 Murphy & Company, Inc. Microsoft, Microsoft Money, Windows, and Internet Explorer are registered trademarks of Microsoft Corporation. Firefox is a registered trademark of the Mozilla Foundation. Quicken is a registered trademark of Intuit, Inc. Macintosh is a registered trademark of Apple Computer, Inc. Adobe Reader is a registered trademark of Adobe Systems, Inc. in the United States and/or other countries. © 2012 Portions of this guide are written by Q2 eBanking. 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.

Welcome

Welcome to American Savings Bank eBanking! You can use the Table of Contents to click to the topic or feature you’re interested

in, from basic login information to bill pay and transfers. If you have additional questions, contact us at (800) 272-2566.

Table of Contents General Information

Security...............................................................................4 Enrollment..........................................................................7 Logging In...........................................................................8 Home..................................................................................9 Messages..........................................................................11 Transactions Account Details................................................................13 Transfer Money ..............................................................17 Loan Payments................................................................19 Deposit Check..................................................................20 Pay a Bill Overview...........................................................................21 Biller Setup.......................................................................23 e-Bills.................................................................................24 Schedule Payments.........................................................25 Automatic Payments.......................................................26 Change / Cancel Payments.............................................27 View Bill History...............................................................28 Commercial Company Policy Overview..............................................29 Features and Accounts...................................................31 User Roles........................................................................33 Add a User........................................................................35 Assign User Rights...........................................................39 Edit or Delete a User.......................................................41 Adding Recipients............................................................43 Edit or Delete a Recipient...............................................45 Template Overview.........................................................46 Create a Template...........................................................48 Dual Authorization / Payment Approval.......................55 Token Process..................................................................57 ACH Pass Thru.................................................................59 Create a Report................................................................60

Table of Contents Services

Statements.......................................................................61 Stop a Payment................................................................62 Text Enrollment...............................................................64 Account Preferences.......................................................65 Settings Security Preferences.......................................................66 Alerts.................................................................................67 Security Alerts..................................................................69 Themes.............................................................................70 Locations Branches and ATMs........................................................71

General Information

Security

By following our tips, eBanking with American Savings Bank can be a safe and efficient method for handling your banking needs. For additional security tips, visit www.asbhawaii.com. User Identification and Password Security starts at your computer. To make your passwords hard to guess, avoid using your pet’s name, hometown, or other personally identifiable choices and combine random numbers instead of using your birth date. Secure Sockets Layer Encryption We use Secure Sockets Layer (SSL) encryption, a trusted method for securing internet transactions. This technology scrambles data as it travels between your computer and American Savings Bank, making it difficult for anyone to access You need a Secure Access Code to access your accounts when you log in to eBanking with American Savings Bank for the first time or the first time from any new device. This code is delivered to you via email, phone call, or SMS text message. You can opt to register your device so that you do not have to complete the Secure Access Code process the next time that you access American Savings Bank’s eBanking system from that same device. If you delete the security certificate or “cookie” that recognizes your device as previously registered, you will need to request another Secure Access Code. eBanking Safety Tips: • Ensure your web browser, operating system, anti-virus software, and other applications are current and support 128-bit encryption. • Memorize your passwords and change them regularly. • Exit your eBanking session when finished. • Do not leave your computer unattended when logged in to eBanking. • Do not access Online Banking on public computers or unsecured Wifi networks. • If you receive an error when logged in to your account, report the error to a customer service representative at (800) 272-2566. your account information. Secure Access Code

General Information

Security

American Savings Bank will never send unsolicited emails asking you to provide, update, or verify personal or confidential information via return email. If you receive an alleged email inquiry from American Savings Bank, please report the incident to a customer service representative as quickly as possible. To reduce the risk of online fraud and identity theft, your first and best protection is awareness. Phishing Phishing is an online scam tactic that lures users into unknowingly providing personal data such as credit card information or Login IDs and passwords. By using realistic-looking emails and websites, this tactic attempts to gain the trust of unsuspecting targets and convinces them that vital information is being requested by a vendor that they may already have a relationship with, such as their financial institution. Identity Theft Identity theft can occur when criminals find a way to steal your personal or other identifying information and assume the use of that data to access your personal accounts, open new accounts, apply for credit, purchase merchandise, and commit other crimes using your identity. It is important to be aware of the dangers of identity theft so that you can take the steps to avoid becoming a victim. Logging Off As a secure practice, you should log off of your eBanking session before you close the browser window or anytime you walk away from your computer. Additionally, American Savings Bank will log you off automatically due to inactivity or when your American Savings Bank session reaches the maximum time limit.

General Information

Security

Fraud Prevention Tips: • Do not open email attachments or click on links from unsolicited sources. • Avoid completing email forms or responding to messages that ask for personal or financial information. Do not trust an email asking you to use a link for verification of login or account details. • Monitor your account transactions for unauthorized use. • Shred old financial information, invoices, charge receipts, checks, unwanted pre-approved credit offers, and expired charge cards before disposing of them. • Contact the sender by phone if you are suspicious of an email attachment.

General Information

Enrollment

1. Type www.asbhawaii.com into the address bar on your browser, and go to the eBanking Login box on the Home Page. 2. Enter your new Login ID and click Login . When prompted on the new screen, enter your temporary password and click Login . 3. You will then be directed to a page where you will select the delivery method of your Secure Access Code. This page displays the contact information on file for your account. Select either the phone, text message, or email option that enables American Savings Bank to reach you immediately with your one- time Secure Access Code. If the contact information we have on file is inaccurate or out-of-date, you cannot proceed further. Please contact us at (800) 272-2566 to update your contact information. 4. When you receive your six-digit Secure Access Code, enter it on the access code screen, and then click Submit . This one-time access code is valid for only fifteen minutes. If it expires before you use it, you must request a new one. If you close the login screen and then receive the code, follow the above steps again but instead select “I already have a Secure Access Code.” 5. Once your code is accepted, you will be asked if you would like to register your device. If you register your device, you will never have to request a new Secure Access Code when you use that device in the future. 6. Review the Welcome First Time User screen, which presents a PDF link of the eBanking Services Agreement. Click the link to view the agreement, and read and acknowledge that you agree to the conditions by clicking I Accept . 7. A view-only profile screen will appear for you to review. It will be grayed-out, and you cannot make any changes at this point. However, note any contact information that you would like to change in the future. Once you access eBanking, you can submit a Secure Message to make corrections. Click Submit then OK to continue. 8. You can now change your password by using your temporary password as your old password. For your protection, you need to create a password that meets the stated security criteria. When finished, click Submit . When the pop-up window appears, click OK to confirm. 9. Congratulations! You are now logged in to eBanking with American Savings Bank.

General Information

Logging In

Once you enroll as a New User and log in to eBanking at least once, follow the steps below for subsequent logins.

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1. From American Savings Bank’s eBanking login box, enter your Login ID and Password . Click Log In . 2. If you don’t remember your password, simply enter your Login ID , leave the Password field blank, and click on the “ Forgot Password? ” option. Click Log In . Should I register my device? If this device is a “private” device where you have exclusive access, you may want to register your device so it is recognized during future logins to save time. We do not recommend registering a public device, such as one at a public library, where other people have access to the same computer. Logging Off As a secure practice, you should log of off your eBanking session before you close the browser window or anytime you walk away from your computer. Additionally, American Savings Bank will log you off automatically due to inactivity or when your eBanking session reaches the maximum time limit.

General Information General Information

Home

The Home Page gives you an overview of available balances in all of your accounts at American Savings Bank, all displayed conveniently in a comprehensive list. To View an Overview of Your Accounts: Home The Home Screen will give you an overview of all of your accounts at American Savings Bank displayed in a comprehensive list with available balances conveniently in one place. erview of Your Accounts:

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10 11 12 13 14 15 16 17 18 19 20 1 2 3 4 5 6 7 8 9 1. For account transaction history, click the account name to view the Account Details screen. View transaction details by clicking the transaction. 2. Click the edit button and you will be directed to Account Preferences where you can modify the nickname of accounts as well as the order in which they appear. The print button will print a quick summary of your current available funds in all accounts.

3. Need an action done in a hurry? In the top right corner, you will notice options for easy access tools. These Quick Action options allow you to swiftly transfer money and view the money manager.

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General Information

Home

1. You can view your Available Balance , which is the current balance minus any pending transactions, and your Current Balance , which is the amount your account starts with at the beginning of the business day. 2. For account transaction history, click the account name to view the Account Details screen. From here, you can view transaction details by clicking the transaction. 3. To edit your account nickname, click the icon, and then click the check mark. 4. To change the order in which your accounts appear, click and hold an account name, then drag and drop it to its new location. 5. To create a new group, click and hold the account you would like to put into a new group, then drag and drop the account to the group icon at the bottom of the screen. Add a new group nickname, and then click the check mark. 6. To View Activity or send a Quick Transfer to an account, click the two gray vertical lines to the right of an account name. 7. You can scroll through the account summaries by clicking Next or Previous at the bottom of the summary box. 8. To print a quick summary of the current available funds in your account, click the icon.

General Information

Messages

The Message Center allows you to communicate securely with your bank. Check here for alerts, replies to your inquiries, and bank communications. To View Messages:

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General Information Messages

Select the Messages tab . 1. Messages are listed on the left side of the screen. Click the message that you would like to read, and the entire message will appear on the right. 2. If you would like to delete a message, click the icon, or you can reply to a message by clicking the icon. Both icons are located in the upper right corner of message. 3. Create a new message by selecting New Conversation . 4. Messages automatically expire after a certain period of time. A message can be saved indefinitely by clicking the check box by “ This message should never expire .”

Transactions Account Details

To View Account Details:

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Transactions Account Details

From your Home Page , click on an account for more information. 1. For account transaction history, click the account name to view the Account Details screen. You can view transaction details by clicking a transaction. 2. If you click on the description of a specific transaction, you will see more details of that transaction. You can then get more information, like the image of a check, by clicking a single element. 3. You can choose to print this transaction by clicking on the icon, send secure messages to American Savings Bank by clicking the icon, or you can split the transaction by clicking on the icon. 4. If you click Filters , you can sort out particular transactions to view, export, or print. Once you’ve made your selections, click Apply Filters . 5. Export transactions by clicking the icon.

Transactions

The Activity Center shows transaction activity initiated through eBanking with American Savings Bank. You can view debit and credits and verify the status, type, amount, and date of your online activity. Depending on the type of account and your access rights, you can review, approve, and cancel unprocessed transactions. To View Online Activity: Activity Center

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Transactions

In the Transactions tab, click on the Activity Center tab. 1. You can choose to view Single Transactions, Recurring Transactions , or Deposited Checks by clicking on the appropriate tab at the top. 2. Click on a transaction to view more details. 3. Click Show Filters for additional sorting options. 4. Select Actions to perform additional functions, like to Copy a transaction or Inquire to compose a secure message to American Savings Bank. Activity Center

Transactions

Transfer Money

eBanking with American Savings Bank enables you to quickly and easily transfer funds between your American Savings Bank accounts. To Transfer Funds:

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In the Transactions tab, click on Funds Transfer . 1. Select the accounts that you wish to transfer funds From and To using the drop-down menus. 2. Enter the dollar Amount and Date to process the transaction. 3. If you wish to set up a recurring transaction, click the check box “ Make this a recurring transaction .” New input fields will appear, and you will need to specify the Frequency and Date range for this transaction. You can choose to make this transaction Repeat Forever by checking the box under Frequency . 4. When you have finished entering all of the required information, select Transfer Funds.

Transactions

Transfer Money

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5. If you select Transfer Funds , a screen with an overview of your transaction appears. All fund transfers appear in the Activity Center , whether dated immediately or for the future. You can view them at this time, or you can click Close and review them at your convenience.

Note : You can view or cancel unprocessed transactions by accessing the Recurring Transfer tab within the Activity Center.

Transactions Loan Payments

You can make a one-time payment or recurring payments by following these steps:

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In the Transactions tab, select Loan Payments. 1. Select the From Account and the To Loan Account. 2. Select Payment Type and choose Regular Payment or Principal Only Payment. 3. Enter the Amount. 4. Click on Make This a Recurring Transaction if you want to set up recurring payments. 5. Select the Transfer Date you want to make the payment. 6. Enter a Description (optional). 7. Select Continue button 8. Confirm and Close

Transactions Deposit Check

With our Mobile App on your Android or iOS device, you can deposit checks into your account by simply snapping a photo of a paper check. To Deposit a Check via Your Smartphone:

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Note : This feature is only available when using our mobile app on your mobile device.

Log in to our American Savings Bank Mobile Banking app. In the Transactions tab, select Deposit Checks . 1. Choose the Account you would like the check deposited to and input the dollar Amount of the check. 2. Sign the back of the check, then tap Capture Image to snap an image of both the front and back. 3. Verify that all four corners of the check are visible and all elements are legible, then tap Submit Deposit .

Pay a Bill

Bill Pay with American Savings Bank allows you to stay on top of your monthly finances with utmost ease and turnkey efficiency. Having your bills linked to your American Savings Bank account is a neat, hassle-free alternative to paying your bills because you can electronically write checks and send payments in one place. The first time you click the Bill Payment tab, you will be asked to choose an account to use within Bill Pay and to accept the terms and conditions. Overview

Pay a Bill

In the Transactions tab, click on Bill Payment . The Payment Center is a guide to your billers, bills due, as well as where you will edit or delete scheduled payments. Specific icons in the features column will help navigate you through Bill Pay: Overview

E-bill enrolled Enrolled to receive E-bill for this biller.

Enroll biller(s) to E-bills Receive billing information straight to your Online Account.

E-bill payment due A posted E-bill is ready for payment.

Recurring payment A recurring payment has been set up in Manage My Bills.

Pay a Bill Biller Setup

The person or company to whom you are sending funds is known as the biller. A biller can be almost any company or person you would normally send a written check, such as a utility company, a cable TV provider, or even a relative. It may also be convenient to set up a payee as an automatic payment so that you do not have to repeat the same process each month. To Set Up or Edit a New Biller:

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In the Transactions tab, click on Bill Payment . 1. Click the different categories to see more billers.

2. To Add a company or person to pay , click the button at the top of the page. 3. Click the name of a biller to see or edit their information, including address, telephone number, and recent payments.

Pay a Bill

e-Bills

E-bills are a fast and convenient way to receive your bills each month. If your biller offers an electronic version, the e-bill icon will be located next to the biller’s name within the Payment Center. After activating e-bills, you will start receiving your bill directly to your American Savings Bank Bill Pay account. No need to shuffle through biller information or access each individual biller’s website to pay your bills—you can get it all in one place and never miss a payment! To Set Up e-Bills for an Existing Biller:

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1. Click on the icon. 2. After selecting to sign up an existing payee for e-bills, fill in the required fields. When completed, click Submit .

Pay a Bill

Schedule Payments

Our payment scheduling feature is the only thing you need to accomplish your Bill Pay needs—no check, no pen, no problem! Hassle-free Bill Pay is just a couple clicks away! To Schedule a Payment:

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Billers are listed by name and account number in the Payment Center . 1. Enter the Amount of a bill, and select the Pay Date using the calendar feature. 2. You can use the calendar feature for your convenience. 3. Click Make Payments when finished.

Pay a Bill

Automatic Payments

It may be convenient to set up a biller to receive payments on a regular basis. With our Automatic Payment option, you can remain confident that your payments are taken care of automatically after one simple setup! To Set Up Automatic Payments:

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In Manage My Bills , select the biller who you would like to set up automatic payments for. Select Add an Automatic Payment . 1. Fill in the required fields to complete your request for an automatic payment. 2. When completed, click Set Up Payment .

Pay a Bill

Change / Cancel Payments

You can change or cancel a scheduled payment up until the time it processes. This convenient feature gives you the freedom to change the way you make your payments. To Change or Cancel Payments

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1. Locate the Pending Payments box in the Payment Center . 2. Click Change to edit your payment on a secondary screen. You can change the Pay From Account , Pay Date , or Pay Amount . 3. Click Cancel if you do not wish to process the payment.

Pay a Bill

View Bill History

When you receive an E-bill, you also have the luxury of viewing your bill directly from your eBanking with American Savings Bank account. You can also print the information for future reference so you are always a step ahead! To View Bill History:

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Click the link on the payment amount. 1. Pay Date, Amount, Confirmation number, and Status in the pop-up window. 2. Once you have reviewed the details, click Finished .

Commercial Company Policy Overview

If your company has complex banking needs, such as high transaction volumes, ACH/wire transfers, or a large number of employees eBanking with American Savings Bank will help simplify your daily needs. You can manage entitlements, send and receive payments, and generate reports. You will begin by defining entitlements at the company level from the Company Policy page. Then, you will need to specify user roles that set limits and rules for individuals or user groups. Company Policy Overview:

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Commercial Company Policy Overview

In the Commercial tab, click on Company Policy . 1. Click the transaction type to define entitlements at the company level. 2. Define Allowed Actions on this screen including: Draft Amount, Approvals, Subsidiaries, Accounts, Hours, Locations, and IP Addresses. 3. Click on the Approval Limits tab to view and modify the approval limits at the company level. 4. Click the Add New Allowable Action button to add a new set of criteria. 5. Use the Policy Tester to test an example transaction. 6. After changes are initiated, a Save button will appear at the top of the page. Click Save then Close .

Commercial

Features: Features and Accounts

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In the Commercial tab, click on Company Policy , then select the Features tab across the top. 1. View all of the allowable Features at the company level. You can define allowable features from the User Roles tab. 2. After changes are initiated, a Save button will appear at the top of the page. Click Save then Close .

Commercial Features and Accounts

Accounts:

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In the Commercial tab, click on Company Policy , then select the Accounts tab across the top. 1. View company-associated accounts, and define account viewing rights from the User Roles tab. 2. After changes are initiated, a Save button will appear at the top of the page. Click Save then Close .

Commercial

User Roles

A user role is comprised of a set of rules that governs access to features, accounts, and transaction types that can be assigned to multiple users. For example, you can define access that a payroll administrator would have in comparison to your payroll clerks or a location manager compared to an owner. This feature allows you to setup checks and balances within your processes. User Roles:

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Commercial

In the Commercial tab, click on User Roles . 1. A new user role can be created by clicking Create Role ; Copy a role if the roles are similar. 2. To edit or review roles assigned to a new user, click on the name of the user role to view or make changes. 3. To edit roles, click the icon next to the user roles at the top of the page when reviewing the rules 4. Define Features and Accounts as well as allowable actions for each Transaction Type . 5. Delete a user role in the list of available roles or at the top of the page during review. User Roles

Note : Limits and allowances created in user roles control what is allowed at the company level. Restrictions may not exceed the limits set in the Company Policy.

Commercial

Add a User

Users are easy to create. Each new user will have their own login ID to your eBanking. This gives you the ability to restrict what accounts each user sees and what functions they can perform. To Add a New User:

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Commercial

Add a User

In the Commercial tab, click on User Management . 1. Click Add User on the right. 2. Create a unique login ID and password that this user will use. 3. You can assign a User Role at this point or edit it later. 4. Click Save when finished. 5. After a user is created, click the Unapproved users are orange. 6. On the View User page, you can edit role assignment of new or existing users. Click Approve or Reject Role . The user can also be Deactivated or Deleted here. icon to approve or assign the role.

Commercial

To Set Up Users: Our eBanking system allows business owners and managers to set up multiple levels of access to their eBanking Banking accounts. Each user will have a unique login ID and password. If you manage a small company with only one person needing an eBanking ID and password, you can skip this section. Add a User

Note : For your convenience, several features within eBanking have a Grid/List option in the upper-right corner. Click on both to discover which view option you prefer.

Commercial

Add a User

To Add a New User:

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In the Commercial tab, click on User Management . 1. Click the Add User button on the right-hand side of the screen. 2. Enter the new user’s personal information. Fields marked with an asterisk are required. Click Save when finished.

Commercial Assign User Rights

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Commercial Assign User Rights

In the Commercial tab, click on User Management . 1. Click on the user you want to assign rights to. 2. Details of the user will appear. Click the Assign Rights button.

3. Under the Overview tab, you can view transaction types and indicate whether you want this user to have the ability to Draft, Approve , Cancel , or View the transaction. Simply click on the check mark to disable the rights. User View: Can only view own activity. View All Transactions: Can view activity of all users. Cannot View : Cannot view activity of any user. You can set limits for the number of transactions and dollar amount a user can approve. Click on the Transaction Type name link to update user limits. 4. Under the Features tab, you can choose which features this user can access. Dark colored features indicate they are active. To deactivate a feature, simply click on it, and the box surrounding it will turn white to signify that it is now inactive. Manage Templates On • Create, edit, and delete any type of template. Manage Recipients On • Create, edit, and delete recipients. • Add or remove recipients to/from templates.

Note : If the User Management feature is assigned to a user, they can change their own rights and limits. Be sure to limit which users have this feature.

Commercial

Adding users and specifying their individual rights and accessible features helps create a checks and balances system within your organization or business. To Edit or Delete a User: Edit or Delete a User

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Commercial Edit or Delete a User

In the Commercial tab, click on User Management . 1. Find the user whose rights you would like to change, then click the to edit. 2. Click Assign Rights at the bottom of the screen. Make the necessary changes, and then click Save . 3. Click Delete to delete a user. Verify by clicking Yes , and then Close when you are finished. icon

Commercial Adding Recipients

A recipient is any person or business that receives payments from your business. After a recipient is created, you can simultaneously include them in multiple payments or templates. Each entry contains the recipient’s contact and account information. To Add a Recipient:

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Commercial Adding Recipients

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In the Commercial tab, click on Recipients . 1. Click Add Recipient on the right. 2. Fill out the required information regarding the recipient. Fields marked with an asterisk are required fields. 3. Click Add Account on the right. A new tab will appear called Account New . 4. Select the Account Type, and then enter the Account and Routing Number . 5. If you plan to use this account with wire transfers, you will need to enter the Name , Country , and Postal Address . 6. Click Create Recipient when finished.

Commercial

Edit or Delete a Recipient

To Edit or Delete a Recipient:

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In the Commercial tab, click on Recipients . 1. Find the recipient whose rights you would like to change, and then click the icon to edit. 2. Make the necessary changes, then click Save . 3. To Delete a recipient , click Delete . Verify by clicking Yes, and then Close when you are finished.

Commercial

Making payments within eBanking is simple when you create templates for each type of transaction that you frequently make. Be sure to monitor who can to create or modify a template by altering user rights. Template Overview: Template Overview

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Commercial Template Overview

In the Commercial tab, click on Payments . 1. Templates can be viewed in either list or grid form. You can change the view by clicking List or Grid near the right-hand corner of any page in the Payments section. 2. Cick the icon to edit a template. 3. Click the icon to favorite a template. 4. Click the icon to copy a template. 5. The Last Amount that was paid and the Last Date each template was used are also listed. 6. You can Search templates by entering a term in the search box or by choosing a Filter type from the drop-down.

Commercial Create a Template

The Payments tab allows you to establish one-time or recurring payments. From here, you can create templates to automate your routine payments. The following template and payment types include a single-recipient:

• ACH Payment • Domestic Wire The following transaction types include multiple-recipients: • ACH Batch • ACH Collection

To Create Payments: Step One: Info and Users

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Commercial Create a Template

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In the Commercial tab, click on Payments . 1. Select an available template or create a template by choosing New Template in the upper right corner. If you choose to create a new template, type a unique name in the space provided. 2. Indicate which users will have access to this template in the Info & Users tab. Check the box next to the recipient’s name or type their name in the search bar. 3. When you have established a template name and user access, click Next .

Commercial Create a Template

Step Two: Recipient and Amount

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1. Check the box next to the recipient’s name or type their name in the search bar. 2. Enter the Amount you wish to pay the recipient. You can also include an Addendum . 3. You can also add another recipient at this point and remain within your template. Click Add Recipient , it will direct you to the Add Recipient page, and then you will conveniently return to where you were in the payment workflow. 4. Once you have selected the recipients and entered payment amounts for each, click Next .

Note : When using the ACH Template in the Recipients and Amount Step, choose whether the ACH class code is for an Individual (PPD) or Company (CCD).

Commercial Create a Template

Step Three: Subsidiary

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1. Select the Subsidiary . You can find subsidiaries by checking the box next to their name or typing it into the search bar. 2. You can also add a subsidiary at this point and remain within your template. Click Add Subsidiary , it will direct you to the Add Subsidiary page to enter their information, and then you will conveniently return to where you were in the payment workflow. 3. Click Next when finished.

Commercial

Create a Template

Step Four: Account

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1. Choose the Account you wish to withdraw from. 2. When finished, click Next .

Commercial Create a Template

Step Five: Review & Submit

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Commercial Create a Template

1. Select the Effective Date . 2. Review the information, and click Save 3. Depending on your user rights, select Draft or Approve .

Commercial Dual Authorization / Payment Approval

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In the Transactions tab, click on Activity Center . 1. If you have the rights to approve transactions, you can do so by simply using the Actions drop-down to the right of the chosen transaction. 2. If more than one authorization is required for a transaction type, the number of approvals received and needed will show in the Approvals column. 3. If you are an authorized user, you can approve a transaction within Transaction Creation by selecting Approve at the end of the process. This approval will reflect in the Activity Center under the Approvals column.

Commercial Dual Authorization / Payment Approval

With Dual Authorization, you can create a sense of security within your organization by developing an approval process so that a single user cannot draft and approve the same transaction. Each transaction can be set up with different allowances and restrictions, including maximum amount, type of transaction, and which account to pay from. To Authorize or Approve a Transaction:

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Commercial

Token Process

What are Tokens? The Symantec Validation & ID Protection (VIP) token helps protect your online ACH and wire transactions. It provides an additional unique security code to originate and/or authorize certain transactions after you have logged in with your user name and password. The VIP credential generates the security code for validating your identity, your account is further protected and transactions are more secure.

To download your token, search for VIP Access in the Android Market or Apple App Store from your phone.

For security purposes, you must activate VIP Access before it can be used. Once activated, the application is ready for use as a VIP credential. You will then need to register your VIP Access credential with American Savings Bank to conduct online transactions. To register, contact Cash Management Services at (808) 539- 7894 or toll free (800) 272-2566 ext. 7894.

Physical tokens are also available upon request. Please contact Cash Management Services for more information.

Once your Credential ID is registered (or your physical token is received), you can begin approving ACH and/or wire transfers.

Commercial

Using Tokens: 1. After completing an ACH or wire transaction, the user with approval authority will click Approve . 2. Click Ok when the window prompts you to confirm the transaction. 3. The following window will then appear: Token Process

The first time a token is used, the dialog box will require users to enter two consecutive numbers. Enter Security Code 1, wait thirty seconds for a new number to appear on the token, and then key the second number in the Security Code 2 field. The Security Code must match the numbers sent to you by our eBanking system in order for the transaction to successfully transmit. The transaction will not transmit without a successful match. For assistance with your token, contact Cash Management Services at (808) 539- 7894 or toll free (800) 272-2566 ext. 7894.

Commercial

ACH Pass Thru

If you use a software package that can generate a file of ACH transactions, you can upload it using this page. To Import ACH Transactions:

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In the Commercial tab, click on ACH Pass Thru . 1. Indicate which file you would like to import.

2. Choose the Process Date. 3. Click Submit when finished.

Commercial Create a Report

Use eBanking to run reports of your payments and transactions. Depending on which report you run, it can be saved to your computer or device as a PDF, CSV or a BAI. To Create a Report:

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In the Commercial tab, click on Reports . 1. Select your report under the Create New Reports option on the right side. 2. On the next screen, you can specify the settings for this report, such as choosing an account, date range, and how often the report is scheduled to run. 3. When you are satisfied with your report options, click Save . 4. Click the icon to view, edit you saved reports, or run a report.

Services Statements

In the Statements tab, you can easily view your current statement, a library of past statements, and other resources our newsletter and disclosures. To View Your Statements:

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In the Services tab, click on Statements . 1. Choose an account from the Account drop-down. 2. Specify a Start Date and End Date . 3. Click Continue .

4. Choose a Document Type from the drop-down. 5. Select an available Document from the drop-down. 6. Click View Document , and your document will open in a new browser window.

Services

Using eBanking with American Savings Bank, you can initiate a Stop Payment request from any device. You can review the status of your request in the Activity Center. The stop payment, once confirmed, will remain in effect for six months. If you need the current fee information, please call us during our business hours at at (800) 272-2566 To Initiate a Stop Payment Request: Stop a Payment

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Services Stop a Payment

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In the Services tab, click on Stop a Payment . 1. Choose Request Type , either single or multiple checks. 2. Click on each category header on the left to select an Account , enter a Check Number , Amount , and choose the Date of the check. 3. Be sure to click Save when change are made. 4. When complete, click Send Request .

Services

Once you enroll in Text Banking, you can check balances, review account history, and transfer funds from your eBanking account using any text enabled device. To Enroll in Text Banking: Text Enrollment

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In the Settings tab, click Text Enrollment . 1. Toggle the Text Enrollment button from OFF to ON . 2. Enter your SMS text number . 3. Read the terms and conditions and check the Agree to Terms box. Click Save to complete enrollment.

Note : To view your account in Text Banking, visit Account Preferences and click enable.

Text Command Options to

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for the Following Information:

BAL or BAL

Request account balance Request account history

HIST

XFER

Transfer funds between accounts

LIST

Receive a list of keywords

HELP

Receive a list of contact points for information on text banking Stop all text messages to the mobile device (for text banking and SMS alerts/notifications) Enable message send/receive for text banking

STOP

START

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