Americana Community Bank Digital Banking Guide for Personal

9-10-24

A B D f

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.

3

Getting Started Welcome to Digital Banking with Americana Community Bank (ACB)! Whether you are at home or at the office using a mobile phone, tablet, or laptop, we strive to make your Digital 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 assist you throughout the Digital Banking Process. If you have additional questions, contact us at 1-844-401-7711 or A1Service@AmericanaFinancial.com.

4

Table of Contents Getting Started

Digital Banking System Requirements .......................................................................8 Browser (Desktop & Mobile)................................................................................................. 8 Mobile Device (App)............................................................................................................... 8 Mobile Remote Deposit ........................................................................................................ 8 New User Enrollment ...................................................................................................9 Logging In.....................................................................................................................10 Multi-Factor Authentication.......................................................................................12 Logging Off ........................................................................................................................... 13 Resetting a Forgotten Password ...............................................................................14 Accounts Dashboard Overview..................................................................................................15 Account Details Overview ..........................................................................................16 Transaction Details .....................................................................................................18 Adding a New Account ...............................................................................................20 Adding an External Account ............................................................................................... 21 Transaction Challenge......................................................................................................... 22 Removing an External Account .......................................................................................... 23 Opening a New Account...................................................................................................... 24 Organize Dashboard ..................................................................................................28 Reorder Accounts ................................................................................................................ 28 Rename Accounts ................................................................................................................ 29 Hide/Unhide Accounts ........................................................................................................ 30 App Appearance................................................................................................................... 31 Quick Pay .....................................................................................................................32 Selecting Favorite Payees.................................................................................................... 32 Person to Person ................................................................................................................. 33 Bill Pay ................................................................................................................................... 35 External Account .................................................................................................................. 37 Monthly Activity...........................................................................................................39 Security Protecting Your Information......................................................................................40 General Guidelines .............................................................................................................. 40 Login ID and Password........................................................................................................ 40 Fraud Prevention ................................................................................................................. 40

5

Login Settings ..............................................................................................................42 Change Username ............................................................................................................... 42 Change Password ................................................................................................................ 43 Change Security Questions................................................................................................. 44 Recent Logins ..............................................................................................................45 Mobile Security Preferences......................................................................................46 Enabling Biometric Sign-In.................................................................................................. 46 Enabling PIN Login......................................................................................................47 Auto-Login....................................................................................................................48 Alerts Alerts Overview ...........................................................................................................49 Custom Alerts....................................................................................................................... 50 Bill Pay Alerts........................................................................................................................ 51 Security Alerts ...................................................................................................................... 52 Turning Alerts On and Off................................................................................................... 52 Editing or Deleting Alerts ...........................................................................................53 Previous Alerts ............................................................................................................54 Move Money Move Money Overview...............................................................................................55 Bill Pay Enrollment......................................................................................................56 Adding a Payee............................................................................................................58 P2P Payee ............................................................................................................................. 58 Bill Pay Payee - Company.................................................................................................... 60 Bill Pay Payee - Individual ................................................................................................... 62 Designating a Payee as Favorite ........................................................................................ 65 Editing a Payee ..................................................................................................................... 66 Deleting a Payee .................................................................................................................. 67 New Transaction .........................................................................................................68 Transferring Money Between Your Accounts................................................................... 68 Making a Loan Payment...................................................................................................... 70 Transferring Money to Another Person (P2P) .................................................................. 73 Making a Bill Pay Payment.................................................................................................. 76 Editing Transfers/Payments ............................................................................................... 78 Skip Transfers/Payments .................................................................................................... 79 Deleting Transfers/Payments............................................................................................. 80

6

Deposit Checks Mobile Remote Deposit .............................................................................................81 Manage Cards Turn Card On or Off....................................................................................................82 Card Name...................................................................................................................83 Card Alert.....................................................................................................................84 Temporary Spending Limit Increase ........................................................................85 Change PIN ..................................................................................................................86 Report Lost or Stolen Card ........................................................................................87 Travel Notification.......................................................................................................88 Enable Automatic On/Off...........................................................................................90 Reports Creating a New Report ...............................................................................................92 Account Activity Report ....................................................................................................... 92 Sub-User Account Access Report....................................................................................... 93 Running an Existing Report .......................................................................................94 Editing a Report...........................................................................................................95 Deleting a Report ........................................................................................................96 Services Locations......................................................................................................................97 Secure Message Overview .........................................................................................98 Sending a Secure Message ........................................................................................99 Submit a Form................................................................................................................... 100 Documents ............................................................................................................... 101 Document Enrollment...................................................................................................... 101 Viewing Documents.......................................................................................................... 102 Chat ........................................................................................................................... 103 Stop Payment ........................................................................................................... 104 Single Check ...................................................................................................................... 104 Multiple Checks ................................................................................................................ 106 ACH .................................................................................................................................... 108 Settings Contact Settings ....................................................................................................... 110 Adding a New Phone ........................................................................................................ 110 Editing a Phone ................................................................................................................. 111 Deleting a Phone............................................................................................................... 112 Editing an Email Address ................................................................................................. 113

7

Sub-Users Sub-Users Overview ................................................................................................ 114 Sub-User Overview ........................................................................................................... 115 Adding a New Sub-User .................................................................................................. 116 Editing a Sub-User ................................................................................................... 118 Part 1: Editing Sub-User Access....................................................................................... 119 Part 2: Editing Sub-User Limits........................................................................................ 120 Deleting a Sub-User................................................................................................. 121

8

Getting Started Digital Banking System Requirements

Browser (Desktop & Mobile) ACB Digital Banking supports Microsoft TM Edge, Google Chrome TM , Mozilla ® Firefox, and Safari ® . Our recommendation is that all users of Digital Banking maintain the latest version of browsers to ensure that the most recent security patches are in place.

Mobile Device (App) • iOS devices should support version 11.0 and greater • Android Devices should support version 4.4 and greater • 4G/LTE and greater Mobile Remote Deposit • Recommended camera resolution is 1600X1200 pixels

Getting Started: Digital Banking System Requirements

9

Getting Started New User Enrollment

If you’re new to Digital Banking with ACB, 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! 1. Type AmericanaFinancial.com into your browser. 2. Click the “Enroll Here” link. 3. Select “I Already Have An Account” and click the Continue button. 4. Click the Let’s Get Started! button. 5. Enter your personal information and click the Continue button. Note: If the information entered does not match your bank account record at ACB or if you have an old Digital Banking account, you will need to contact us at 1-844-401-7711 or A1Service@ AmericanaFinancial.com. 6. You will be asked to answer four verification questions. 7. You can choose a second verification step by having a link sent to a known phone number or email address associated with your record at ACB. If you do not want to utilize this additional verification step, choose None. 8. Read the welcome information and click the Finish button. 9. If you choose to skip the second verification step, or if your identity cannot be successfully verified through our automated process, your enrollment request will be forwarded to our Digital Banking Team. An ACB banker will then call you to verify your identity. Once your identity has been verified, you will receive an email. 10. Click the link in the email to create your own username and password. 11. Choose three security questions and enter the appropriate responses. 12. You will then be taken into your ACB Digital Banking experience after accepting the terms and conditions.

Getting Started: New User Enrollment

10

Getting Started Logging In

After your enrollment, logging in is easy and only requires your username and password.

2

4

1

3

1. Enter your username and click the Sign In button. 2. Enter your password. 3. (Optional) Check the box to remember your username. 4. Click the Sign In button. If this is the first time you are logging in from an unregistered device you will need to answer a security question.

Getting Started: Logging In

11

5 6

7

8

9

5. Select a device.

6. (Optional) Check the box to remember your device. 7. Select a delivery method for the passcode. 8. Enter the passcode. 9. Click the Submit button.

Note: By selecting “Remember This Device” on your login screen you can bypass the Multi-Factor Authentication (MFA: see next page for definition) requirement for future logins on that device. MFA is device specific, so if you select Remember Device on your phone in the app, it will still require MFA on any other device (i.e. your office computer, etc.). Your device will be remembered for 90 days or when your device’s history and cookies are cleared. If you clicked “Remember This Device” but would like to again be prompted for a code, please call us and we can reset your MFA requirement.

Getting Started: Logging In

12

Getting Started Multi-Factor Authentication

Multi-Factor Authentication (MFA) is an additional security layer to validate your login to ACB’s digital banking. You can select to receive a phone call, text message, or mobile app push to approve your login.

3

4

5

6

1

2

Sign in to ACB Digital Banking at AmericanaFinancial.com or through your mobile app. 1. Click the Let’s Get Started button. 2. (Optional) To set up a landline, click the “Use other mobile device or landline” link. 3. Use the drop-down to select a country. 4. Enter the phone number. 5. Enter a nickname here so you can identify the phone number. For instance, “Joe’s Iphone.” If you set up multiple phone numbers on your profile for MFA use, the nicknames will display in a drop down list for easy reference. 6. Select a device.

Getting Started: Multi-Factor Authentication

13

7

8

9

10

7. Select either Passcode via Text or Phone Call to receive a verification code. 8. Enter the verification code, then click the Verify Device button. NEVER share this verification code with anyone - even individuals claiming to be an ACB banker - as ACB bankers will never ask for this information. 9. (Optional) Click the Add Another Device button to add another device. 10. Click the Complete Setup button when you are finished. Logging Off For your security, you should always log off when you finish your Digital Banking

session. We may also log you off due to inactivity. 1. Click the Log Out tab in the sidebar menu.

Getting Started: Multi-Factor Authentication

14

Getting Started Resetting a Forgotten Password

If you happen to forget your password, you can easily create a new one from the ACB website home page—no need to call us!

2

3

1

1. Click the “Password” link. 2. Enter your username and click the Continue button.

3. Answer the security question and click the Send Reset Link button. 4. An email will be sent to the email you have on file with us. Follow the instructions to reset your password.

Getting Started: Resetting a Forgotten Password

15

Accounts Dashboard Overview

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

B

F

G

H

A. The navigation bar appears in every view on the left side of the screen. You can navigate to Digital Banking features by selecting the appropriate tab. B. Your accounts are displayed in an account tile with their balance. If you click

an account tile, you are taken to the Account Details page. C. Export your accounts into a different format by clicking the

icon.

D. The

icon opens the search bar to find transactions with that account.

E. Click the

icon to add a new account. Go to page 20 for more information.

F. Quick links let you quickly access different features. G. Quick Pay allows you to quickly pay your favorite payees. Payees marked as favorites appear here. Go to page 32 for more information. H. View your monthly checking, savings and loan activity on a graph.

Accounts: Dashboard Overview

16

Accounts Account Details Overview

Selecting an ACB 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.

A

D

C

B

E

G

F

H

I

J K

Accounts: Account Details Overview

17

A. On the dashboard, click on an account tile to view the Account Details screen. B. The available balance of your account is displayed in the top left corner. C. Export your transactions into a different format by clicking the icon. You can download your account transactions in CSV, Quicken, Quick Books, BAI2, or PDF/Print Format. D. The icon opens the search bar to sort and find transactions within that account. E. Use the “Sort” link to sort your transactions. F. You can view more details about a transaction by clicking on it. G. The New Transaction button allows you to transfer money between your accounts or to another person. Go to page 68 for more information. H. More details about the account are displayed to the right of the transactions. Click the icon to view additional details. I. The Statements button allows you to enroll in and access digital statements. Go to page 101 for more information. J. The Bill Pay button allows you to stay on top of your bills, allowing you to quickly manage your payments and never miss a due date. Go to page 56 for more information. K. The Stop Payment button allows you to stop a pending check or ACH payment. Go to page 104 for more information.

Accounts: Account Details Overview

18

Accounts Transaction Details

Access additional details about your transactions.

1

On the dashboard, select an account to view the Account Details screen. 1. Click a transaction.

A

B1

B

B2

B3

A. Click the icon to download transaction details. B. Click the Category button to categorize a transaction. 1. Click the icon to add a category. 2. Click a category to categorize the transaction. 3. (Optional) Check the box to automatically apply this category to all similar transactions.

Accounts: Transaction Details

19

C

D

C. Click the icon to add a note to a transaction. D. Click the “+ Attach Image(s)” link to add an image to a transaction.

Note: Adding a Category tag makes transactions easier to find with search. Adding an image is a great way to organize receipts.

Accounts: Transaction Details

20

Accounts Adding a New Account

Open a new account with ACB or link your accounts at other financial institutions so you can transfer money between your accounts without ever leaving home! Click the View Accounts tab.

1

1. Click the icon. 2. For information about adding an external account, go to page 21. 3. For information about opening a new account, go to page 24.

Accounts: Adding a New Account

21

Adding an External Account Your accounts at other financial institutions can be linked to Digital Banking with ACB, so you can transfer money between two financial institution accounts that you own without ever leaving home! When adding another account, you are asked to verify your ownership of that account. To begin, please contact your ACB banker at 1-844-401-7711. You will need to provide proof of ownership of the external account to begin processing (e.g., bank statement, screenshots of digital banking). Transaction Challenge: To verify the accuracy of the routing and account numbers of the new account, we will do a transaction challenge. After your external account is reviewed and approved by ACB, two small deposits and a withdrawal equaling the deposits will be made to your external account.

1

1. Click the External Account button.

Accounts: Adding a New Account

22

Transaction Challenge After the 2 small deposits and 1 withdrawal are confirmed, you can begin transferring money to and from the external account.

2 3

4

5

6 7

8

2. Enter an account name. 3. Enter the name of the owner of the external account.

4. Enter the bank name. 5. Select an account type. 6. Enter the routing/transit number. 7. Enter the account number. 8. Click the Save button.

Accounts: Adding a New Account

23

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.

1

3

2

Click the Move Money tab. 1. Select the account you would like to delete. 2. Click the Delete This Payee button. 3. Click the Delete button.

Accounts: Adding a New Account

24

Opening a New Account

1

4

3

2

Click the View Accounts tab. 1. Click the icon. 2. Click the Open Account button. 3. View the test document, consent to eSign, select the product(s) you’re interested in, and click the Continue button when complete. 4. (Optional) At anytime during the opening of a new account, you can click the Save & Resume Later button to save your progress and return at a later time to finish.

Accounts: Adding a New Account

25

5

5. Enter or verify your information and click the Continue button if there are no corrections needed. If there are corrections, please select “The above information is incorrect or has changed” towards the bottom of the page.

Accounts: Adding a New Account

26

6

6. Review and accept the disclosures and privacy notice, and click the Continue button.

Accounts: Adding a New Account

27

7

8

9

7. Select a funding source. 8. Enter an amount and any necessary information. 9. Click the Continue button and a confirmation email will be sent to you.

Accounts: Adding a New Account

28

Accounts Organize Dashboard

Reorder, rename and hide accounts to customize your dashboard. You can also hide dashboard tiles.

Reorder Accounts

1

2

Click the “Manage Profile” link at the top of the side menu. (If you’re using the ACB2Go app, you can also click the “Profile” option from the bottom menu.) 1. Click the Reorder Accounts button. 2. Click and drag an account to reorder them.

Accounts: Organize Dashboard

29

Rename Accounts

1

2

3

Click the “Manage Profile” link at the top of the side menu. 1. Click the Rename Accounts button. 2. Rename your account(s). 3. Click the Save button when you are finished.

Accounts: Organize Dashboard

30

Hide/Unhide Accounts

1

2

Click the “Manage Profile” link at the top of the side menu. 1. Click the Hide Accounts button. 2. Select which accounts to hide or unhide.

Accounts: Organize Dashboard

31

App Appearance Change the way the app appears on your devices. These changes will apply to any device you use to log into your account.

1

Click the “Manage Profile” link at the top of the side menu. 1. Select a display theme.

Accounts: Organize Dashboard

32

Accounts Quick Pay

Quickly send transfers to your favorite payees.

Selecting Favorite Payees

1

2

3

Click the View Accounts tab. 1. Click the icon. 2. Check or uncheck the boxes next to the payees to add or remove them as favorites. 3. Click the Save button.

Accounts: Quick Pay

33

Person to Person If you would like to have Person to Person (P2P) added to your ACB account, please complete the “Enable P2P” form under the Messages & Forms tab (see page 100) or contact your ACB banker at 1-877-401-7711.

1

2

3

7

4

5

6

Click the View Accounts tab. 1. Click the person you would like to send money to. 2. Select an account. 3. Enter an amount to transfer. 4. Select how the payee should be notified and enter their contact information, if necessary. 5. (Optional) Enter a note. 6. Click the Continue button when you are finished. 7. Review the transfer information and click the Submit button.

Accounts: Quick Pay

34

8

8. Click the Set Up Another Payment button to send another transfer.

Accounts: Quick Pay

35

Bill Pay

1

2

3

4

9

5

6

7

8 Click the View Accounts tab. 1. Click the bill you would like to pay. 2. Select an account. 3. Enter the amount to transfer.

4. Use the calendar feature to select a date. 5. Use the drop-down to select a frequency. 6. For recurring transfers, select an end date or number of payments. 7. Enter a check memo. 8. Click the Continue button. 9. Review the transfer information and click the Submit button.

Accounts: Quick Pay

36

10 11

10. Click the Set Up Another Payment button to send another transfer. 11. Click the Print/Save Confirmation(s) button to print and/or save the confirmation. Note: When you create a new Bill Pay Payee, if the text to the right of the payee’s name says “ELECTRONIC”, the payment will be sent as an ACH. If the text to the right of the payee’s name says “CHECK”, the Bill Pay payment will be sent as a physical check to the address that is entered. ELECTRONIC payments will typically process within 2-3 business days. CHECK payments are reliant on mail carriers and could take 2-8 business days. If you require your Bill Pay limits to be increased, please contact an ACB banker.

Accounts: Quick Pay

37

External Account

1

2

3

4

5

6

7

Click the View Accounts tab. 1. Choose your payee from the Quick Pay listing or go to Move Money tab to initiate the transfer. 2. Select an account from which to send the money. 3. Enter an amount to transfer.

4. Use the calendar feature to select a date. 5. Use the drop-down to select a frequency. 6. (Optional) Enter a note. 7. Click the Continue button when you are finished.

Accounts: Quick Pay

38

8

9 10

8. Review the transfer information and click the Submit button. 9. Click the Set Up Another Transfer button to send another transfer. 10. Click the Print/Save Confirmation(s) button to print and/or save the confirmation.

Accounts: Quick Pay

39

Accounts Monthly Activity

Your monthly activity is displayed using a line graph.

A

Click the View Accounts tab. A. Each colored line represents a different type of account.

Accounts: Monthly Activity

40

Security Protecting Your Information

Here at ACB, we work hard to protect your personal information and provide you with a dependable digital experience. However, we rely on you to take further precautions to assure the safety of your accounts. By following our tips, Digital 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 username and password. If you are using your home WiFi, make sure to change your internet’s password from the default one that was given to you on initial setup. Those passwords are readily available across the Dark Web. • Never leave your computer unattended while using Digital Banking. • Monitor your recent account history for unauthorized transactions. • Always log off Digital 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 that are at least 14 characters long. • 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 username and passwords. Fraud Prevention • Your ACB text alerts will come from either 662265 or 386732. All ACB bankers have email addresses ending with @AmericanaFinancial.com. Anyone stating they are from Americana Community Bank but do not follow these guidelines are likely fraudsters. Please contact your ACB banker if you are suspicious of any communication. • Do not open email attachments or click on links from unsolicited sources.

Security: Protecting Your Information

41

• 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, contact us immediately at 1-844-401-7711 or A1Service@ AmericanaFinancial.com.

Security: Protecting Your Information

42

Security Login Settings

We take security very seriously at ACB, so we have added tools to help you better protect your account information. You can manage these features to strengthen your Digital Banking experience. Changing your Username, Password, or Security Questions will prompt you to complete an MFA (Multi-Factor Authentication) session before continuing. Change Username You can change your username at any time. Create a unique username that you will remember and that follows our requirements: Usernames must be at least 4 characters long and not currently in use for another Digital Banking profile at ACB.

1

2

3

4

Click the “Manage Profile” link at the top of the side menu. 1. Click the Change Username button.

2. Enter a new username. 3. Enter your password. 4. Click the Save button.

Security: Login Settings

43

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

1

2

3

4

Click the “Manage Profile” link at the top of the side menu. 1. Click the Change Password button. 2. Enter your current password. 3. Enter and confirm your new password. 4. Click the Save button.

Security: Login Settings

44

Change Security Questions For your protection, you can establish new security questions and answers. Just like changing your password frequently, changing your security questions and answers helps to ensure the security of your accounts.

1

2 3

4

Click the “Manage Profile” link at the top of the side menu. 1. Click the Change Security Questions button. 2. Enter a new answer. 3. Click the “Change question” link to change the question. 4. Click the Save button.

Security: Login Settings

45

Security Recent Logins

View a list of recent logins to your account.

1

2

Click the “Manage Profile” link at the top of the side menu. 1. Click the Recent Logins button. 2. A list of recent logins will be displayed.

Security: Recent Logins

46

Security Mobile Security Preferences

Within ACB’s Mobile Banking app, ACB2Go, you have the ability to set up security preferences that are not available on a desktop computer. These additional preferences make signing into ACB Digital 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™ device with just your fingerprint or scan of your face. With this feature enabled, you can quickly and securely access your accounts using our mobile app. At the time of publishing this guide, Apple phones are able to accommodate FaceID and Google and Android phones allow Fingerprint ID.

1

2

Sign in to ACB’s Digital Banking app and click the “Manage Profile” link at the top of the side menu. 1. Click the Fingerprint Login or FaceID tab. 2. Enter your username and password, and click the Sign In button.

Note: You must have biometric sign-in enabled on your mobile device before enabling it through our Mobile Banking app.

Security: Mobile Security Preferences

47

Security Enabling PIN Login

Create a unique PIN within ACB Digital Banking to quickly and easily log in to Digital Banking on the go.

4

1

5

2

6

3

7

Sign in to ACB’s Mobile Banking app and click the “Manage Profile” link at the top of the side menu. 1. Enter your current password. 2. Enter and re-enter your chosen PIN number. 3. Click the Create PIN button. 4. To edit your pin, click the Change PIN button. 5. Enter your current password. 6. Enter and re-enter your chosen PIN number. 7. Click the Update PIN button.

Security: Enabling PIN Login

48

Security Auto-Login

Auto-login bypasses the login screen on your mobile device, allowing access to basic account information such as balances, activity, and other histories while still restricting access to sensitive areas such as transfers.

1

Sign in to ACB’s Digital Banking app and click the “Manage Profile” link at the top of the side menu. 1. Check the box next to Auto-Login.

Security: Auto-Login

49

Alerts Alerts Overview

Stay on top of the transactions flowing to and from your accounts. When you create an alert through Digital Banking, you specify the conditions that trigger that alert, so you stay on top of what’s important to you.

A

C

B

In the Cards, Alerts, & Docs tab, click Manage Alerts . A. Click the icon to create an alert.

B. View your alerts and turn them on and off. We recommend that all customers enable the following alerts: Primary Email Changed , User Password Changed , Security Question Changed , User Login Error , User Nearing Disable Date , User Nearing Delete Date , Temporary Card Limit , and Card PIN Change alerts in Digital Banking. C. For viewing previous alerts on ACB2Go, see History, at the top of the screen.

Alerts: Alerts Overview

50

Custom Alerts

1

2

3

4 5

6

7

8

9

In the Cards, Alerts, & Docs tab, click Manage Alerts . 1. Click the icon. 2. Click the Custom button. 3. Select an account. 4. Use the drop-down to select an alert type. 5. Enter the required fields. Fields will vary based on the alert type selected. 6. Use the drop-down to select an alert time.

7. Enter a name for the alert. 8. Select a notification method. 9. Click the Create button.

Alerts: Alerts Overview

51

Bill Pay Alerts Create alerts to monitor bill pay items.

1

3

4

2

6

7

8

In the Cards, Alerts, & Docs tab, click Manage Alerts . 1. Click the icon. 2. Click the Bill Pay button. 3. Use the drop-down to select an alert type. 4. Enter the required fields. Fields will vary based on the alert type selected. 5. (If necessary) Use the drop-down to select an alert time.

6. Enter a name for the alert. 7. Select a notification method. 8. Click the Create button.

Alerts: Alerts Overview

52

Security Alerts We want you to feel confident while using Digital Banking. To help you feel safe and in control, Security Alerts are implemented in your accounts to notify you immediately when security scenarios occur.

1

3

4

2

5

6

7

In the Cards, Alerts, & Docs tab, click Manage Alerts . 1. Click the icon. 2. Click the Security button. 3. Select an alert type. 4. Enter the required fields. Fields will vary based on the alert type selected.

5. Enter a name for the alert. 6. Select a notification method. 7. Click the Create button.

Turning Alerts On and Off In the Cards, Alerts, & Docs tab, click Manage Alerts . 1. To turn an alert on: a. Click the Off button next to the alert.

b. Click the Turn On button. To turn an alert on in ACB2Go, click the gray circle next to Enable alerts for this card. The gray circle will turn green.

Alerts: Alerts Overview

53

Alerts Editing or Deleting Alerts

Quickly and easily edit or delete existing alerts.

1

2a

3a

3b

2b

In the Cards, Alerts, & Docs tab, click Manage Alerts . 1. Click an alert. 2. To edit an alert: a. Make the necessary changes. b. Click the Save button. 3. To delete an alert: a. Click the Delete This Alert button. b. Click the Delete button.

Alerts: Editing or Deleting Alerts

54

Alerts Previous Alerts

View alerts previously sent to you.

1

In the Cards, Alerts, & Docs tab, click Manage Alerts . 1. Click an alert to view more details. To view a previous alert in ACB2Go, see the History tab at the top of the screen.

Alerts: Previous Alerts

55

Move Money Move Money Overview

Making transfers between your accounts or sending payments to companies and individuals has never been easier!

D

C

E

A

B

In the Pay, Transfer, & Receive tab, click Move Money . A. Edit or delete your scheduled transactions. Go to page 66 for more information. B. View your completed previous transactions. To view complete transaction in ACB2Go, see the History tab at the top of the screen. C. Create a new transaction by clicking the New Transaction button. Go to page 68 for more information. D. Enroll in Bill Pay by clicking the Enroll Now button. Go to page 56 for more information. E. Add, edit or delete payees. Go to page 58 for more information.

Move Money: Move Money Overview

56

Move Money Bill Pay Enrollment

Bill Pay with ACB helps you stay on top of your bills, allowing you to quickly manage your payments and never miss a due date. To set up bill pay, you need to choose an account to use within Bill Pay and to accept the terms and conditions.

1

2 3 4 5 6

7

In the Pay, Transfer, & Receive tab, click Move Money . 1. Click the Enroll Now button. 2. Enter your first name. 3. (Optional) Enter your middle name. 4. Enter your last name. 5. Enter your date of birth. 6. Enter your social security number. 7. Click the Continue button.

Move Money: Bill Pay Enrollment

57

9

10

11

8

12

14

13

8. Enter your address and click the Continue button. 9. Enter your phone number. 10. Enter your email address. 11. Use the drop-down to select a pay from account. 12. Click the Enroll button. 13. Review the terms and conditions and click the Accept Terms button. 14. Click the Close button.

Move Money: Bill Pay Enrollment

58

Move Money Adding a Payee

You can add three different types of payees. Person to Person: P2P (person to person) is a digital cash alternative that makes sending and receiving money as easy as emailing and texting. Whether it’s paying an allowance, splitting the check, or sending a birthday gift, P2P allows you to quickly transfer money from your existing debit account to almost anyone. ACB P2P is secure - your payees’ financial information, including debit card number, need never be available to you or anyone else when using ACB P2P. External Account: Your accounts at other financial institutions can be linked to ACB Digital Banking so you can transfer money between two financial institutions without ever leaving home! For more information about adding an external account, go to page 21. Bill Pay: 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. For more information about adding a bill pay payee, go to page 60.

P2P Payee In the Pay, Transfer, & Receive tab, click Move Money .

1

1. Click the

icon next to MY PAYEES.

Move Money: Adding a Payee

59

3

2

4

5

6

7

2. Click the Person to Person button. 3. (Optional) Upload a photo of the payee. 4. Enter the payee’s first and last name. 5. Select a payment method. 6. Enter the payee’s email, mobile number or debit card information depending upon the payment method chosen. 7. Click the Save button when you are finished. Note: If you create the payee via an email or text message invite, we’ll send the recipient a notice containing a secure link asking them to register. If you create the payee with their debit card information, the payee will not need to enter their information. Your P2P funds will not be withdrawn from your account until the recipient enters their information via the secure link if invited via email or text message.

Move Money: Adding a Payee

60

Bill Pay Payee - Company You can electronically pay a company such as your mobile phone provider, utility company, or even your dentist. The information printed on your bill is all you need to set a company up as a payee.

1

2

In the Pay, Transfer, & Receive tab, click Move Money . 1. Click the icon next to MY PAYEES. 2. Click the Bill Pay button.

Move Money: Adding a Payee

61

9

3

10

4

5

6

11

7 8

12 13

14

3. (Optional) Upload a photo of the payee. 4. Select “Company.”

5. Enter the payee’s name. 6. Enter a payee nickname. 7. Use the drop-down to select a pay from account.

8. Enter the payee’s account number. 9. Enter the payee’s phone number. 10. Enter the payee’s address. 11. Click the Save button when you are finished. 12. Click the Send A Payment button to send a payment. 13. Click the Add Another Payee button to add another payee. 14. Click the Close button to close the window.

Move Money: Adding a Payee

62

Bill Pay Payee - Individual You can pay anyone, such as a babysitter, dog-walker, or a freelance worker, by creating them as a payee in Bill Pay.

1

2

In the Pay, Transfer, & Receive tab, click Move Money . 1. Click the icon. 2. Click the Bill Pay button.

Move Money: Adding a Payee

63

8

3

4

5

9

6

7

10

3. (Optional) Upload a photo of the payee. 4. Select “Individual.” 5. Enter the payee’s name. 6. Enter a payee nickname. 7. Enter the payee’s phone number. 8. Enter the payee’s address. 9. Choose how you want to pay this payee.

• Let them provide bank info: Enter their email address and a shared secret. We will email a link to a secure server. They will log in using the shared secret, then provide their bank account information for the deposit. Their account information will be securely stored and is never displayed to you. This is a one-time setup process. Any future payments to this person will generate an email notification letting them know you have made a deposit to their account. • I’ll provide bank info: If you know the payee’s bank account information, you can enter their account number, routing number, and choose their account type. • Mail a check: A check payment will be mailed to them. 10. Click the Save button when you are finished.

Move Money: Adding a Payee

64

11 12

13

11. Click the Send A Payment button to send a payment. 12. Click the Add Another Payee button to add another payee. 13. Click the Close button to close the window.

Move Money: Adding a Payee

65

Designating a Payee as Favorite Mark payees as favorites to send quick payments to them. For more information about quick payments, go to page 32.

1

2

In the Pay, Transfer, & Receive tab, click Move Money . 1. Click the payee you would like to favorite. 2. Click the Add Favorite button.

Move Money: Adding a Payee

Made with FlippingBook Ebook Creator