Arkansas Federal Credit Union Personal Internet Banking & Bill Pay Guide

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PERSONAL

A Quick & Easy Guide to ONLINE BANKING & BILL PAY

af cu .org

(800) 456-3000

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

St. Louis, MO 63021 www.mcompany.com

© 2009-2018 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. © 2012 Portions of this guide were written by Q2eBanking. 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 to Online Banking with Arkansas Federal Credit Union! Whether at home or at the office, from 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 800-456-3000.

Table of Contents Security

Protecting Your Information........................................................................................7 General Guidelines................................................................................................................. 7 User Name and Password..................................................................................................... 7 Fraud Prevention.................................................................................................................... 7 Unsolicited Emails.................................................................................................................. 8 Phishing................................................................................................................................... 8 Identity Theft........................................................................................................................... 8 Getting Started New User Registration..................................................................................................9 Logging In.....................................................................................................................11 Logging Off............................................................................................................................ 11 Resetting A Forgotten Password...............................................................................12 Home Page Home Page Overview..................................................................................................14 Asset Summary Overview................................................................................................... 16 Account Details Overview...........................................................................................17 Quick Transfer.............................................................................................................19 Account Grouping.......................................................................................................20 Editing a Group Name......................................................................................................... 21 Deleting a Group.................................................................................................................. 21 Messages Secure Message Overview. ........................................................................................22 Sending a Secure Message.........................................................................................23 Transaction Types Transferring Funds Overview.....................................................................................24 Transactions Transfer Funds.............................................................................................................26 Transfer to Member ...................................................................................................28 Linking Someone’s Arkansas Federal Account................................................................. 28 Single Transfers Between Arkansas Federal Accounts.................................................... 29 Adding An External Account.......................................................................................30 Verifying A Personal External Account......................................................................31 Loan Payments............................................................................................................32 View Online Activity Overview....................................................................................34

Using Filters........................................................................................................................... 35 Creating or Deleting Custom Views Using Favorites........................................................ 35 Canceling Transactions........................................................................................................ 36 Statements eStatements.................................................................................................................37 eStatements From Mobile App..................................................................................38 eNotices........................................................................................................................39 Card Management Purchase Alerts............................................................................................................40 uChoose Rewards........................................................................................................41 Pay Bills or People Payments Overview. ...................................................................................................42 Hiding or Unhiding Payees from Payment Screen........................................................... 43 Creating a Payee Overview. .......................................................................................44 Creating a Payee: Company.......................................................................................45 Creating a Payee: Person............................................................................................47 Part 1 of 3: Choosing Payee and Payment Method......................................................... 47 Part 2 of 3: Adding Payee Information.............................................................................. 48 Part 3 of 3: Keyword (Email Only) and One-Time Activation Code................................. 49 Creating a Payee: Bank or Credit Union...................................................................50 Part 1 of 2: Entering Bank or Credit Union Information.................................................. 50 Part 2 of 2: One-Time Activation Code............................................................................... 52 Editing a Payee.............................................................................................................53 Deleting a Payee..........................................................................................................54 Scheduling Payments..................................................................................................55 Rush Delivery...............................................................................................................56 Recurring Payments....................................................................................................58 Editing Payments.........................................................................................................59 Skipping Payments......................................................................................................60 Canceling Payments....................................................................................................61 Setting Up eBills...........................................................................................................62 Adding an Account......................................................................................................63 Editing an Account.......................................................................................................64 Deleting an Account....................................................................................................65 Editing Personal Information.....................................................................................66 Editing Alerts................................................................................................................67 Categories....................................................................................................................68 Editing a Category.......................................................................................................69 Deleting a Category.....................................................................................................70

Settings Account Preferences...................................................................................................71 Security Preferences...................................................................................................72 Change Password................................................................................................................. 72 Change User Name.............................................................................................................. 73 Secure Delivery..................................................................................................................... 74 Mobile Security Preferences......................................................................................75 Enabling Touch ID or Fingerprint Login............................................................................. 75 Enabling Passcode Authentication..................................................................................... 77 Enabling Face ID................................................................................................................... 78 Disabling Passcode Authentication, Touch ID or Fingerprint Login............................... 79 Alerts Overview............................................................................................................80 Date Alerts............................................................................................................................. 81 Account Alerts....................................................................................................................... 82 History Alerts........................................................................................................................ 83 Online Transaction Alerts.................................................................................................... 84 Security Alerts Overview.............................................................................................85 Edit Delivery Preferences.................................................................................................... 85 Text Enrollment...........................................................................................................86 Manage Contact Info...................................................................................................88 Themes.........................................................................................................................89 Services Stop Payment Request...............................................................................................90 Single Check ......................................................................................................................... 90 Multiple Checks ................................................................................................................... 93 Check Ordering............................................................................................................96 Reorder Checks............................................................................................................98 Open a New Account..................................................................................................99 Apply For Loan.......................................................................................................... 100 Apply for a Mortgage............................................................................................... 101 Get Insurance Quotes.............................................................................................. 102 Location Branches and ATMs................................................................................................. 103

Security

Protecting Your Information

Here at Arkansas Federal, we do all that we can 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 all 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 User Name and password. • Never leave your computer unattended while using Online Banking. • Monitor your recent account history for unauthorized transactions. • Always log off of Online Banking when you’re finished and close the browser. User Name and Password • Create strong passwords by using a mixture of upper 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 User Names 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. • Do not trust an email asking you to use a link for verification of login or account details. • Contact the sender by phone if you are suspicious of an email attachment. • Shred unwanted sensitive documents including receipts, checks, deposit slips, pre-approved credit card offers and expired cards.

Security: Protecting Your Information

• We use Secure Sockets Layer (SSL) encryption, a trusted method of securing internet transactions. This technology scrambles data as it travels between your computer and Arkansas Federal, making it difficult for anyone to access your account information. • Act quickly. If you suspect your financial information is compromised, call us immediately at 800-456-3000. Unsolicited Emails Arkansas Federal will never send unsolicited emails asking you to provide, update, or verify personal or confidential information via return email. If you receive an email inquiry allegedly from Arkansas Federal, please report the incident to a us at at 800-456-3000 as quickly as possible. To mitigate the risk of online fraud and identity theft, your first and best protection is awareness. Phishing Phishing is an online scam tactic that is used to lure users into unknowingly providing personal data, such as credit card information or User Names and passwords. Using realistic-looking emails and websites, this tactic attempts to gain the trust of unsuspecting targets and convince them that vital information is being requested by a vendor they may already have a relationship with, such as their financial institution. Identity Theft It is important that you are aware of the dangers of 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.

Security: Protecting Your Information

Getting Started New User Registration

If you’re new to Online Banking with Arkansas Federal, you need to complete the enrollment process the first time that you log in. Once you complete these few quick steps, you’ll be on your way to banking everywhere you go! 1. Type afcu.org into the address bar on your browser. Go to the Online Banking Login box on the Home Page and click New User Registration . 2. Select the appropriate account type, Personal or Business. 3. This opens the Online Banking Enrollment screen. Enter all the required information. When finished, click Continue . 4. A new browser window will open congratulating you for having successfully enrolled in Online Banking. Make note of your User Name you will need it to login to online banking in the future. Click Continue to be directed to a page where you will select the delivery method for your Secure Access Code. This page will display the contact information we have on file for you. Select either the phone, text message, or email option that will enable Arkansas Federal to reach you immediately with your one-time Secure Access Code. 5. When you receive your four-digit Secure Access Code, enter it on the secure access code screen and click Submit . The Secure Access Code is valid for only 15 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 and instead select I already have a Secure Access Code . 6. Now you can set your password. For your protection, you will need to create a password that meets the security criteria stated on the screen. Click Submit . 7. A view-only online profile screen will appear for your review. You cannot make any changes at this point. However, please note any contact information that you would like to change in the future. Once you have accessed Online Banking, you will be able to use the Manage Contact Info screen to make corrections. Click Next to continue. Note : The details that you provide are verified by comparing them to your contact information in our system. If the information does not match, call us at 800-456-3000 to update your profile.

New User Registration :Getting Started

8. Review the First Time User screen, which presents the Electronic Services Agreements and Disclosure. Read and acknowledge that you agree to the conditions by clicking I Accept . 9. You will be asked if you would like to register your device. If you register your device, you will not have to request a new Secure Access Code when you use that device in the future. 10. Congratulations! You are now logged in to Online Banking with Arkansas Federal.

Getting Started: New User Registration

Getting Started Logging In

After your first-time enrollment, logging in is easy and only requires your User Name and password. If you are logging in using a device that you have not previously registered, you need to request a Secure Access Code (SAC).

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Type afcu.org into the address bar on your browser. 1. From Online Banking login box, enter your User Name and Password . 2. Click the Log In button. Note : If you enter an incorrect password too many times, your account will be temporarily locked. Call us at 800-456-3000 for assistance.

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Note : If this device is a “private” device where you have exclusive access, you may want to register your device to have it recognized for future logins to save time. We do not recommend registering a public device where other people could have access to the same computer, for example, at a public library.

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Logging Off As a secure practice, you should log off your Online Banking session with Arkansas Federal before you close out of Online Banking, or anytime you walk away from your computer. For additional security, Arkansas Federal will log you out automatically due to inactivity or when your Online Banking session reaches the maximum time limit. 1. Click the Log Off tab in the navigation menu. 2. Close your internet browser.

Getting Started: Logging In

Getting Started Resetting A Forgotten Password

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

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1. Click the Forgot Password? link. 2. Enter your User Name and click the Submit button. 3. Choose the contact method that allows Arkansas Federal to reach you immediately with a 4-digit Secure Access Code (SAC).

Note : You may not be able to change your password if your account is locked or if you are resetting your password from an unregistered device.

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Getting Started: Resetting A Forgotten Password

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4. Enter the SAC and click the Submit button. 5. Create a new password based on our password requirements and click the Submit button when you are finished. 10a 1a 2a 3a 4a 5a 6a 7a 8a 9a 10b 1b 2b 3b 4b 5b 6b 7b 8b 9b 10c 1c 2c 3c 4c 5c 6c 7c 8c 9c 10d 1d 2d 3d 4d 5d 6d 7d 8d 9d

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Getting Started: Resetting A Forgotten Password

Home Page

Home Page Overview After logging in, you are taken directly to the Home page. This page is divided into three convenient sections to help you navigate to every feature within Online Banking. Here you can view the balances in your Arkansas Federal accounts, see your account summaries and more! 10 11 12 13 14 15 16 17 18 19 20 21 22 23 24 25 26 27 28 29 30 1 2 3 4 5 6 7 8 9

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Note : The letters correspond to several available features on the Home page. J2 A2 B2 C2 D2 E2 F2 G2 H2 I2 A3 B3 C3 D3 E3 F3 G3 H3 I3 A2 B2 C2 D2 E2 F2 G2 H2 I2 J3 A3 B3 C3 D3 E3 F3 G3 H3 I3 10a 1a 2a 3a 4a 5a 6a 7a 8a 9a 10b 1b 2b 3b 4b 5b 6b 7b 8b 9b 10c 1c 2c 3c 4c 5c 6c 7c 8c 9c 10d 1d 2d 3d 4d 5d 6d 7d 8d 9d J3

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Home Page: Home Page 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 Arkansas Federal accounts are displayed in an account card with its balance. C. If you click an account name, you are taken to the Account Details page. You can also click the icon on the right side of an account card and select View Activity for more details or Quick Transfer to make a transfer. D. The icon allows you to print a summary of current available funds in your accounts. E. You can expand or collapse account details for any group by clicking the icon. F. If you click and hold an account card, you can drag and drop it to a new location to change the order in which your accounts appear. G. Create a new group by clicking and holding an account tile, then dragging and dropping it to the pop-up icon. H. The Quick Actions links in the top right corner of the screen let you quickly access different Online Banking features.

Home Page: Home Page Overview

Asset Summary Overview If you ever need to quickly assess how much money is in all of your accounts, you can scroll down to the Asset Summary graphic on the Home page. This interactive chart represents your total assets, represented by specific colors and percentages.

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10 11 12 13 14 15 16 17 18 19 20 21 22 23 24 25 26 27 28 29 30 1 2 3 4 5 6 7 8 9 J K L M N O P Q R S T U V W X Y Z A B C D E F G H I 10a 1a 2a 3a 4a 5a 6a 7a 8a 9a 10b 1b 2b 3b 4b 5b 6b 7b 8b 9b 10c 1c 2c 3c 4c 5c 6c 7c 8c 9c 10d 1d 2d 3d 4d 5d 6d 7d 8d 9d A. The Total Assets widget gives you the total amount of money in your accounts and breaks down those funds into percentages. B. Each colored piece represents one of your Arkansas Federal accounts and displays its percentage of total funds as well as the balance. C. Clicking Next or Previous lets you view different accounts and details. D. You can click the View Transactions link for more information. 10a 1a 2a 3a 4a 5a 6 7 8a 9 10b 1b 2b 3b 4b 5b 6b 7 8 9b 10c 1c 2c 3c 4c 5c 6 7 8c 9c 10d 11a 12a 13a 14a 15a 16a 17a 18 9a 20 1d 2d 3d 4d 5d 6 7 8 9d J K L M N O P Q R S T U V W X Y Z A B C D E F G H I 10a 1a 2a 3a 4a 5a 6a 7a 8a 9a 10b 1b 2b 3b 4b 5b 6b 7b 8b 9b 10c 1c 2c 3c 4c 5c 6c 7c 8c 9c 10d 11a 12a 13a 14a 15a 16a 17a 18a 19a 20a 11b 12b 13b 14b 15b 16b 17b 18b 19b 20b 1d 2d 3d 4d 5d 6d 7d 8d 9d J1 A1 B1 C1 D1 E1 F1 G1 H1 I1 J2 A2 B2 C2 D2 E2 F2 G2 H2 I2 11a 12a 13a 14a 15a 16a 17a 18a 19a 20a 11b 12b 13b 14b 15b 16b 17b 18b 19b 20b 1d 2d 3d 4d 5d 6d 7d 8d 9d J1 A1 B1 C1 D1 E1 F1 G1 H1 I1 10 11 12 13 14 15 16 17 18 19 20 21 22 23 24 25 26 27 28 29 30 1 2 3 4 5 6 7 8 9 J K L M N O P Q R S T U V W X Y Z A B C D E F G H I 10a 1a 2a 3a 4a 5a 6a 7a 8a 9a 10b 1b 2b 3b 4b 5b 6b 7b 8b 9b 10c 1c 2c 3c 4c 5c 6c 7c 8c 9c 10d 1a 2a 3a 4a 5a 6a 7a 8a 9a 20a 10 11 12 13 14 15 6 7 8 9 20 21 22 23 24 25 6 7 8 29 30 1 2 3 4 5 6 7 8 9 J K L M N O P Q R S T U V W X Y Z A B C D E F G H I

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Home Page: Home Page Overview

Home Page Account Details Overview

Selecting a Arkansas Federal account on the Home page 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. 10 11 12 13 14 15 16 17 18 19 20 21 22 23 24 25 26 27 28 29 30 1 2 3 4 5 6 7 8 9

11 12 13 14 15 16 17 21 22 23 24 25 26 27 1 2 3 4 5 6 7 K L M N O P Q U V W X Y Z A B C D E F G Available Balance

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10 12 13 14 15 16 17 18 19 20 22 23 24 25 26 27 28 29 30 2 3 4 5 6 7 8 9 J L M N O P Q R S T V W X Y Z B C D E F G H I 10a 2a 3a 4a 5a 6a 7a 8a 9a 10b 2b 3b 4b 5b 6b 7b 8b 9b 10c 2c 3c 4c 5c 6c 7c 8c 9c 10d 2d 3d 4d 5d 6d 7d 8d 9d 10 16 17 18 19 20 26 27 28 29 30 6 7 8 9 J2 10 1 12 13 14 15 16 17 18 19 20 1 22 23 24 25 26 27 28 29 30 2 3 4 5 6 7 8 9 J K L M N O P Q R S T U V W X Y Z A B C D E F G H I 10a 6a 7a 8a 9a 10b 6b 7b 8b 9b 10c 6c 7c 8c 9c 10d 16a 17a 18a 19a 20a 16b 17b 18b 19b 20b 6d 7d 8d 9d J1 F1 G1 H1 I1 B2 C2 D2 E2 F2 G2 H2 I2 J3 B3 C3 D3 E3 F3 G3 H3 I3 10a 1a 2a 3a 4a 5a 6a 7a 8a 9a 10b b 2b 3b 4b 5b 6b 7b 8b 9b 10c c 2c 3c 4c 5c 6c 7c 8c 9c 10d 1d 2d 3d 4d 5d 6d 7d 8d 9d F2 G2 H2 I2 J3 F3 G3 H3 I3 J P Q R S T Z F G H I J2 12a 13a 14a 15a 16a 17a 18a 19a 20a 12b 13b 14b 15b 16b 17b 18b 19b 20b J1 B1 C1 D1 E1 F1 G1 H1 I1

1a 2a 3a 4a 5a 6a 7 1b 2b 3b 4b 5b 6b 7 1c 2c 3c 4c 5c 6c 7 10a 1a 2a 3a 4a 5a 6a 7a 8a 9a 10b 1b 2b 3b 4b 5b 6b 7b 8b 9b 10c 1c 2c 3c 4c 5c 6c 7c 8c 9c 10d 1d 2d 3d 4d 5d 6d 7d 8d 9d J K L M N O P Q R S T U V W X Y Z A B C D E F G H I J1 11a 12a 13a 14a 15a 16a 17 1d 2d 3d 4d 5d 6d 7

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A1 B1 C1 D1 E1 F1 G A2 B2 C2 D2 E2 F2 G A3 B3 C3 D3 E3 F3 G J1 J2 J1 J2 J1

A1 B1 C1 D1 E1 F1 G1 H1 I1 A1 B1 C1 D1 E1 F1 G1 H1 I1

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A3 B3 C3 D3 E3 F3 G3 H3 I3 A3 B3 C3 D3 E3 F3 G3 H3 I3 10 11 12 13 14 15 16 17 18 19 20 21 22 23 24 25 26 27 28 29 30 1 2 3 4 5 6 7 8 9 J K L M N O P Q R S T U V W X Y Z A B C D E F G H I 10a 1a 2a 3a 4a 5a 6a 7a 8a 9a 10b 1b 2b 3b 4b 5b 6b 7b 8b 9b 10c 1c 2c 3c 4c 5c 6c 7c 8c 9c 10d 1d 2d 3d 4d 5d 6d 7d 8d 9d

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Home Page: Account Details Overview

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A. On the Home page, you can click on an account name to view the Account Details screen. You can also click the right side of an account card and click the View Activity button. B. The available balance of that account is displayed in the top right corner. C. You can find transactions within that account using the search bar. D. Transactions can be sorted by time, type, description, amount and more. Click the Filters icon for more options. E. More information about your transactions is available by clicking the Details icon. F. The icon lets you send a secure message about that account or print a list of transactions. You can also export your transactions into a different format by clicking the icon. G. The icon indicates how the Date, Description and Amount columns are sorted. H. You can view more details about a transaction by clicking on it. I. After clicking a transaction, the icon lets you send a secure message about that transaction or print the transaction.

Home Page: Account Details Overview

Home Page Quick Transfer

No need to run to a branch to move money from one account to another! If you’re ever in a rush, the Quick Transfer option provides you with a simple way to do those transactions.

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11 12 13 14 15 16 17 18 1 21 22 23 24 25 26 27 28 2 1 2 3 4 5 6 7 8 9 K L M N O P Q R S U V W X Y Z A B C D E F G H I 1a 2a 3a 4a 5a 6a 7a 8a 9 1b 2b 3b 4b 5b 6b 7b 8b 9 1c 2c 3c 4c 5c 6c 7c 8c 9

1. Click the 10 11 12 13 14 15 16 17 18 19 20 21 22 23 24 25 26 27 28 29 30 1 2 3 4 5 6 7 8 9 J K L M N O P Q R S T U V W X Y Z A B C D E F G H I J K L M N O P Q R S T U V W X Y Z A B C D E F G H I Transfer. 2. Select the To drop-down and choose an account to receive the funds. 3. Enter an amount to transfer. 4. (Optional) Click the Advanced Options link to be redirected to the Transfer Funds feature. 5. Click the Transfer Funds button when you are finished. 10a 1a 2a 3a 4a 5a 6a 7a 8a 9a 10b 1b 2b 3b 4b 5b 6b 7b 8b 9b 10c 1c 2c 3c 4c 5c 6c 7c 8c 9c 10d 1d 2d 3d 4d 5d 6d 7d 8d 9d 1a 2a 3a 4a 5a 6a 7a 8a 9 10b 1b 2b 3b 4b 5b 6b 7b 8b 9b 10c 1c 2c 3c 4c 5c 6c 7c 8c 9c 10d 11a 12a 13a 14a 15a 16 17a 18a 19a 20a 11b 12b 13b 14b 15b 16b 17b 18b 19b 20b 1d 2d 3d 4d 5d 6d 7d 8d 9d J1 A1 B1 C1 D1 E1 F1 G1 H1 I1 A2 B2 C2 D2 E2 F2 G2 H2 I2 10a 1a 2a 3a 4a 5a 6a 7a 8a 9a 10b 1b 2b 3b 4b 5b 6b 7b 8b 9b 10c 1c 2c 3c 4c 5c 6c 7c 8c 9c 10d 11a 12a 13a 14a 15a 16a 17a 18a 19a 20a 11b 12b 13b 14b 15b 16b 17b 18b 19b 20b 1d 2d 3d 4d 5d 6d 7d 8d 9d 10a J2 icon on the right side of an account card and select Quick

1d 2d 3d 4d 5d 6d 7d 8d 9

11a 12a 13a 14a 15a 16a 17a 18a 19a 20a A3 B3 C3 D3 E3 F3 G3 H3 I3 A1 B1 C1 D1 E1 F1 G1 H1 I1 A2 B2 C2 D2 E2 F2 G2 H2 I2 11b 12b 13b 14b 15b 16b 17b 18b 19b 20b J1 J2

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A1 B1 C1 D1 E1 F1 G1 H1 I A2 B2 C2 D2 E2 F2 G2 H2 I A3 B3 C3 D3 E3 F3 G3 H3 I

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Home Page: Quick Transfer

Home Page Account Grouping

You can organize your accounts into groups, so the Home page appears in a way that makes sense to you. These groups can always be changed or deleted to meet your needs.

11 12 13 14 15 16 21 22 23 24 25 26 1 2 3 4 5 6 K L M N O P U V W X Y Z A B C D E F 11 12 13 14 15 16 17 21 22 23 24 25 26 27 1 2 3 4 5 6 7 K L M N O P Q U V W X Y Z A B C D E F G 1a 2a 3a 4a 5a 6a 1b 2b 3b 4b 5b 6b 1c 2c 3c 4c 5c 6c 11a 12a 13a 14a 15a 16a 11b 12b 13b 14b 15b 16b 1a 2a 3a 4a 5a 6a 7a 1b 2b 3b 4b 5b 6b 7b 1c 2c 3c 4c 5c 6c 7c 1d 2d 3d 4d 5d 6d A1 B1 C1 D1 E1 F1 A2 B2 C2 D2 E2 F2 A3 B3 C3 D3 E3 F3 1d 2d 3d 4d 5d 6d 7d

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1. Create a new group by clicking and holding an account tile, then dragging and dropping it to the pop-up icon. 2. Create a group nickname and click the check mark when you are finished. 10a 1a 2a 3a 4a 5a 6a 7a 8a 9a 10b 1b 2b 3b 4b 5b 6b 7b 8b 9b 10c 1c 2c 3c 4c 5c 6c 7c 8c 9c 10d 1d 2d 3d 4d 5d 6d 7d 8d 9d

11a 12a 13a 14a 15a 16a 17a 18a 19a 20a

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A1 B1 C1 D1 E1 F1 G1 A2 B2 C2 D2 E2 F2 G2 A3 B3 C3 D3 E3 F3 G3

Home Page: Account Grouping

Editing a Group Name The names of existing groups can be edited from the Home page, in just two easy steps.

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Deleting a Group After a group is made, you can reorganize the Home page by deleting a group without removing those accounts from the Home page. 10a 1a 2a 3a 4a 5a 6a 7a 8a 9a 10b 1b 2b 3b 4b 5b 6b 7b 8b 9b 10c 1c 2c 3c 4c 5c 6c 7c 8c 9c 10d 1d 2d 3d 4d 5d 6d 7d 8d 9d 10a 1a 2a 3a 4a 5a 6a 7a 8a 9a 10b 1b 2b 3b 4b 5b 6b 7b 8b 9b 10c 1c 2c 3c 4c 5c 6c 7c 8c 9c 10d 1d 2d 3d 4d 5d 6d 7d 8d 9d icon to edit your group nickname. 2. Enter a new name and click the check mark when you are finished. 1. Click the

11a 12a 13a 14a 15a 16a 17a 18a 19a 20a

11b 12b 13b 14b 15b 16b 17b 18b 19b 20b

A1 B1 C1 D1 E1 F1 G1 H1 I1

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A2 B2 C2 D2 E2 F2 G2 H2 I2 Vacation A3 B3 C3 D3 E3 F3 G3 H3 I3

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10 11 12 13 14 15 16 17 18 19 20 21 22 23 24 25 26 27 28 29 30 1 2 3 4 5 6 7 8 9 J K L M N O P Q R S T U V W X Y Z A B C D E F G H I

Home Page: Account Grouping 1 1a 2a 3a 4a 5a 6a 7a 8a 9a 10 1b 2b 3b 4b 5b 6b 7b 8b 9b 10 1c 2c 3c 4c 5c 6c 7c 8c 9c 1 11a 12a 13a 14a 15a 16a 17a 18a 19a 2 1d 2d 3d 4d 5d 6d 7d 8d 9d J K L M N O P Q R S T U V W X Y Z A B C D E F G H I J1 J2 J3 1 11 12 13 14 15 16 17 18 19 2 21 22 23 24 25 26 27 28 29 3 1 2 3 4 5 6 7 8 9

1. Remove all accounts from a group by clicking and holding an account tile and dragging it to another group and dropping it. 2. Click the Yes, delete button to delete the group. 10a 1a 2a 3a 4a 5a 6a 7a 8a 9a 10b 1b 2b 3b 4b 5b 6b 7b 8b 9b 10c 1c 2c 3c 4c 5c 6c 7c 8c 9c 10d 1d 2d 3d 4d 5d 6d 7d 8d 9d

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Messages

If you have questions about your accounts or need to speak with someone at Arkansas Federal, Secure Messages allows you to communicate directly with an Arkansas Federal representative. From the Secure Messages page, you can find replies, old messages or create new conversations. Secure Message Overview 10 11 12 13 14 15 16 17 18 19 20 21 22 23 24 25 26 27 28 29 30 1 2 3 4 5 6 7 8 9 10 11 12 13 14 15 16 17 18 19 20 21 22 23 24 25 26 27 28 29 30 1 2 3 4 5 6 7 8 9

J1 1a 2a 3a 4a 1b 2b 3b 4b 1c 2c 3c 4c K L M N U V W X A B C D 1 12 13 14 21 22 23 24 1 2 3 4 K L M N O P Q R S U V W X Y Z A B C D E F G H I 11 12 13 14 15 16 17 18 19 21 22 23 24 25 26 27 28 29 1 2 3 4 5 6 7 8 9 1a 2a 3a 4a 5a 6a 7a 8a 9a 1b 2b 3b 4b 5b 6b 7b 8b 9b 1c 2c 3c 4c 5c 6c 7c 8c 9c 11a 12a 13a 14a A1 B1 C1 D1 E1 F1 G1 H1 I1 A2 B2 C2 D2 E2 F2 G2 H2 I2 A3 B3 C3 D3 E3 F3 G3 H3 I3 11b 12b 13b 14b 1d 2d 3d 4d 11a 12a 13a 14a 15a 16a 17a 18a 19a 11b 12b 13b 14b 15b 16b 17b 18b 19b 1d 2d 3d 4d 5d 6d 7d 8d 9d J2

10a 1a 2a 3a 4a 5a 6a 7a 8a 9a 10b 1b 2b 3b 4b 5b 6b 7b 8b 9b 10c 1c 2c 3c 4c 5c 6c 7c 8c 9c 10d 1d 2d 3d 4d 5d 6d 7d 8d 9d J K L M N O P Q R S T U V W X Y Z A B C D E F G H I

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11a 12a 13a 14a 15a 16a 17a 18a 19a 20a

Click the Messages tab . A. Click on a message to open it. Messages are displayed on the left side of the screen. B. Delete multiple messages by checking the box next to the corresponding messages or check the box next to Select All and click the icon. C. Messages automatically delete after a certain time. Check the box next to This message should never expire to prevent that message from being erased. D. Delete an opened message by clicking the icon or reply by clicking the icon. A2 B2 C2 D2 E2 F2 G2 H2 I2 J3 A3 B3 C3 D3 E3 F3 G3 H3 I3 J2 J3 11b 12 13b 14b 15b 16b 17b 18b 19b 20b J1 A1 B1 C1 D1 E1 F1 G1 H1 I1 J2 A2 B2 C2 D2 E2 F2 G2 H2 I2 J3 A3 B3 C3 D3 E3 F3 G3 H3 I3

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A1 B1 C1 D1 A2 B2 C2 D2 A3 B3 C3 D3

Messages: Secure Message Overview

Messages

Sending a Secure Message

Starting a new conversation through Online Banking is just as effortless as sending an email. Unlike an email, you can safely include confidential personal information relating to your accounts or attach files within a new message.

11 12 13 14 1 21 22 23 24 2 1 2 3 4 5 K L M N U V W X A B C D E 1a 2a 3a 4a 5 1b 2b 3b 4b 5 1c 2c 3c 4c 5

10 11 12 13 14 15 16 17 18 19 20 21 22 23 24 25 26 27 28 29 30 1 2 3 4 5 6 7 8 9 J K L M N O P Q R S T U V W X Y Z A B C D E F G H I J K L M N O P Q R S T U V W X Y Z A B C D E F G H I 10 11 12 13 14 15 16 17 18 19 20 21 22 23 24 25 26 27 28 29 30 1 2 3 4 5 6 7 8 9

1 11 12 13 14 15 16 17 18 19 2 21 22 23 24 25 26 27 28 29 3 1 2 3 4 5 6 7 8 9 K L M N O P Q R S U V W X Y Z A B C D E F G H I 10 11 12 13 14 15 16 17 18 19 20 21 22 23 24 25 26 27 28 29 30 1 2 3 4 5 6 7 8 9 11a 12a 13a 14a 1 11b 12b 13b 14b 1 1d 2d 3d 4d 5 A1 B1 C1 D1 E A2 B2 C2 D2 E A3 B3 C3 D3 E 10 11 12 13 4 5 6 7 8 9 20 21 22 23 4 5 6 7 8 9 30 1 2 3 4 5 6 7 8 9 J K L M N O P Q R S T U V W X Y Z A B C D E F G H I

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Click the Messages tab . 1. Create a new message by clicking the New Conversation button in the top right corner. 2. Select the recipient from the drop-down. 3. Enter the subject. 4. (Optional) Click the Supported Attachments link to see if your file is supported. 5. (Optional) Attach a file by clicking the icon. 6. Enter your message. 7. Click the Send button when you are finished. 1c 2c 3 4 5 6c 7 8 9 11a 12a 3a 4 5 6 7 18a 19a 20 11b 12b 3 4 5 6 7 18b 19b 20 1d 2d 3 4d 5 6d 7 8d 9 A1 B1 C D E1 F1 G H I1 A2 B2 C2 D2 E2 F2 G H I2 A3 B3 C D E3 F3 G H I3 10a 1a 2a 3a 4a 5a 6a 7a 8a 9a 10b 1b 2b 3b 4b 5b 6b 7b 8b 9b 10c 1c 2c 3c 4c 5c 6c 7c 8c 9c 10d 11a 12a 13a 14a 15a 16a 17a 18a 19a 20a 1d 2d 3d 4d 5d 6d 7d 8d 9d J K L M N O P Q R S T U V W X Y Z A B C D E F G H I 10a 1a 2a 3a 4a 5a 6a 7a 8a 9a 10b 1b 2b 3b 4b 5b 6b 7b 8b 9b 10c 1c 2c 3c 4c 5c 6c 7c 8c 9c 10d 11a 12a 13a 14a 15a 16a 17a 18a 19a 20a 11b 12b 13b 14b 15b 16b 17b 18b 19b 20b 1d 2d 3d 4d 5d 6d 7d 8d 9d J1 A1 B1 C1 D1 E1 F1 G1 H1 I1 J2 A2 B2 C2 D2 E2 F2 G2 H2 I2 J3 A3 B3 C3 D3 E3 F3 G3 H3 I3 10a 1a 2a 3a 4a 5a 6a 7a 8a 9a 10b 1b 2b 3b 4b 5 6b 7b 8b 9b 10c 1c 2c 3c 4c 5c 6c 7c 8c 9c 10d 11a 2a 13a 4a 5a 16a 7a 8a 9a 20a 11b 12b 13b 14b 15b 16b 17b 18b 19b 20b 1d 2d 3d 4d 5d 6d 7d 8d 9d J1 A1 B1 C1 D1 E1 F1 G1 H1 I1 J2 A2 B2 C2 D2 E2 F2 G2 H2 I2 J3 A3 B3 C3 D3 E3 F3 G3 H3 I3 J L M N O P Q R S T V W X Y Z B C D E F G H I J1 J2 J3 1 1a 2a 3a 4a 5a 6a 7a 8a 9a 1 1b 2b 3b 4b 5b 6b 7b 8b 9b 1 1c 2c 3c 4c 5c 6c 7c 8c 9c 1 1d 2d 3d 4d 5d 6d 7d 8d 9d 10 10 10 10 11a 12a 13a 14a 15a 16a 17a 18a 19a 2 11b 12b 13b 14b 15b 16b 17b 18b 19b 2 J A1 B1 C1 D1 E1 F1 G1 H1 I1 J A2 B2 C2 D2 E2 F2 G2 H2 I2 J A3 B3 C3 D3 E3 F3 G3 H3 I3 J1 J2 J3 1a 2a 3 4 5 6 7 8 9 1b 2b 3 4 5 6 7 8 9 10a a 2a 3a 4a 5a 6a 7a 8a 9a 10b 2b 3b 4b 5b 6b 7b 8b 9b 10c 2c 3c 4c 5 6c 7c 8c 9c 0d d 2d 3d 4d 5d 6d 7d 8d 9d a 12a 13a 14a 15a 16a 17a 18a 19a 20a b 12b 13b 14b 15b 16b 17b 18b 19b 20b 1 B1 C1 D1 E1 F1 G1 H1 I1 2 B2 C2 D2 E2 F2 G2 H2 I2 3 B3 C3 D3 E3 F3 G3 H3 I3

Messages: Sending a Secure Message 11b 12b 13b 14b 15b 16b 17b 18b 19b 20b A1 B1 C1 D1 E1 F1 G1 H1 I1 J1

A2 B2 C2 D2 E2 F2 G2 H2 I2

Transaction Types

Transferring Funds Overview The heart of Online Banking is the ability to transfer funds on the go. Whether you are transferring money between your accounts or sending money to someone outside of Arkansas Federal, there are various features that help you transfer funds in different ways. • Transfer Funds : Transfer money between your own Arkansas Federal accounts, accounts you own at other financial institution, or other Arkansas Federal members.

• Transfer to Member : Make a single transfer or link to an account owned by an Arkansas Federal member. After linking an account, you can transfer funds to the linked member’s account using the Transfer Funds feature.

• External Transfer after adding and verifying external accounts : After linking an account, you can transfer funds to the linked external account using the Transfer Funds feature.

Transaction Types: Transferring Funds Overview

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