Bank of Guam Business Online Banking User Guide

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Business Online Banking User Guide

bankofguam.com

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

St. Louis, MO 63021 www.mcompany.com

© 2009-2020 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.

Getting Started

Welcome to Business Online Banking with Bank of Guam! 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. By adding powerful commercial products and features, Bank of Guam provides you with the complex tools your business needs to achieve its goals. This guide is meant to help you navigate through features available on our business online banking platform. To get started, click a topic or feature in the Table of Contents. Each section provides an overview and steps to help you during your online banking session. If you have additional questions, contact us at 671-472-5300.

Table of Contents Getting Started

Business Online Banking Overview.............................................................................8 Users........................................................................................................................................ 8 Subsidiaries............................................................................................................................. 8 Recipients................................................................................................................................ 8 Business Online Banking Transaction Types ..................................................................... 9 Transaction Type Overview..........................................................................................9 Logging In.....................................................................................................................10 Logging Off............................................................................................................................ 11 Resetting A Forgotten Password...............................................................................12 Home Page Home Page Overview..................................................................................................14 Account Summary Overview............................................................................................... 16 Account Details Overview...........................................................................................17 Quick Transfer.............................................................................................................19 Account Nickname......................................................................................................20 Account Grouping.......................................................................................................21 Editing a Group Name......................................................................................................... 22 Deleting a Group.................................................................................................................. 22 Security Protecting Your Information......................................................................................23 General Guidelines............................................................................................................... 23 Login ID and Password........................................................................................................ 23 Fraud Prevention.................................................................................................................. 23 Security Preferences...................................................................................................24 Change Password................................................................................................................. 24 Challenge Code..................................................................................................................... 25 Secure Delivery..................................................................................................................... 26 Mobile Security Preferences......................................................................................27 Enabling Touch ID or Fingerprint Login............................................................................. 27 Enabling Passcode Authentication..................................................................................... 29 Disabling Passcode Authentication, Touch ID or Fingerprint Login............................... 30 Enabling Face ID................................................................................................................... 31 Apple Watch.................................................................................................................32 Apple Watch Setup............................................................................................................... 32 Viewing Balances and Transactions................................................................................... 32 Alerts Overview............................................................................................................33 Account Alerts....................................................................................................................... 34 History Alerts........................................................................................................................ 35

Online Transaction Alerts.................................................................................................... 36 Reminder............................................................................................................................... 37 Security Alerts Overview.............................................................................................38 Edit Delivery Preferences.................................................................................................... 38 Secure Message Overview. ........................................................................................39 Sending a Secure Message.........................................................................................40 Transactions Funds Transfer.............................................................................................................41 Commercial Users Overview............................................................................................................43 User Management Overview.............................................................................................. 44 Adding a New User .............................................................................................................. 45 Part 1 of 5: Establishing Transaction Type Rights............................................................. 46 Part 2 of 5: Disabling a Transaction Type.......................................................................... 47 Part 3 of 5: Editing Approval Limits for a Transaction Type............................................ 48 Part 4 of 5: Establishing Rights to Access Features.......................................................... 49 Part 5 of 5: Establishing Rights to Access Accounts......................................................... 50 Editing an Existing User’s Rights................................................................................51 Deleting a User............................................................................................................52 Recipient Overview......................................................................................................53 ACH Only- Part 1 of 2: Adding a Recipient......................................................................... 54 ACH Only- Part 2 of 2: Recipient Account Detail............................................................... 55 ACH & Wire- Part 1 of 4: Adding a Recipient..................................................................... 56 ACH & Wire- Part 2 of 4: Beneficiary FI Detail................................................................... 57 ACH & Wire- Part 3 of 4: Intermediary FI Detail................................................................ 58 ACH & Wire- Part 4 of 4: Recipient Account Detail........................................................... 59 Wires Only (Domestic) - Part 1 of 4: Adding a Recipient.................................................. 60 Wires Only (Domestic)- Part 2 of 4: Beneficiary FI Detail................................................. 61 Wires Only (Domestic)- Part 3 of 4: Intermediary FI Detail............................................. 62 Wires Only (Domestic)- Part 4 of 4: Recipient Account Detail......................................... 63 Editing a Recipient.......................................................................................................64 Editing a Recipient’s Templates.......................................................................................... 65 Deleting a Recipient....................................................................................................66 Payment Template Overview.....................................................................................67 Creating a Template....................................................................................................68 ACH Batch.............................................................................................................................. 69 ACH Collection...................................................................................................................... 71 ACH Payment........................................................................................................................ 73 ACH Receipt........................................................................................................................... 75 Payroll.................................................................................................................................... 77

Domestic Wire...................................................................................................................... 79 International Wire................................................................................................................ 81 Sending a Single Payment..........................................................................................83 ACH Batch.............................................................................................................................. 83 ACH Payment........................................................................................................................ 86 ACH Collection...................................................................................................................... 88 ACH Receipt........................................................................................................................... 91 Payroll.................................................................................................................................... 93 Domestic Wire...................................................................................................................... 95 International Wire................................................................................................................ 97 Splitting a Payment.............................................................................................................. 99 Payment From File................................................................................................... 100 Editing or Using a Template.................................................................................... 102 Deleting a Template................................................................................................. 103 ACH Pass-Thru.......................................................................................................... 104 Tax Payment............................................................................................................. 105 Mobile Authorizations. ............................................................................................ 107 Activity Center Overview. ........................................................................................ 109 Using Filters........................................................................................................................ 110 Creating or Deleting Custom Views Using Favorites..................................................... 110 Viewing, Approving or Canceling a Transaction................................................... 111 Single Transaction............................................................................................................. 111 Multiple Transactions....................................................................................................... 112 Positive Pay Introduction.............................................................................................................. 113 Upload an Issued Check File................................................................................... 114 Manually Enter a Check........................................................................................... 115 Void a Check.............................................................................................................. 116 Managing Exceptions............................................................................................... 117 Advanced Bill Pay Home Page Overview............................................................................................... 118 Add a Payee............................................................................................................... 120 Company............................................................................................................................ 120 Individual............................................................................................................................ 123 Bank or Credit Union ....................................................................................................... 126 Edit a Payee............................................................................................................... 128 Delete a Payee.......................................................................................................... 129 Import Payees........................................................................................................... 130 Add and Manage Categories................................................................................... 131 Single Payment......................................................................................................... 132

Edit a Single Payment.............................................................................................. 134 Create a Recurring Payment................................................................................... 135 Edit or Cancel a Pending Payment......................................................................... 137 Payment Approval.................................................................................................... 139 Company Profile....................................................................................................... 140 Edit or Delete Bill Pay Accounts.............................................................................. 141 Modify User Permissions......................................................................................... 142 Personal Profile........................................................................................................ 144 e-Notifications........................................................................................................... 145 Events................................................................................................................................. 145 Logout................................................................................................................................. 146 Recurring............................................................................................................................ 147 Reminders.......................................................................................................................... 148 Reports...................................................................................................................... 149 Services Stop Payment Request............................................................................................ 150 Single Check ...................................................................................................................... 150 Multiple Checks ................................................................................................................ 151 Reordering Checks................................................................................................... 152 Credit Card................................................................................................................ 154 Settings Profile......................................................................................................................... 155 Account Preferences................................................................................................ 156 Themes...................................................................................................................... 157 Accessibility............................................................................................................... 158 Locations Branches and ATMs................................................................................................. 159

Getting Started

Business Online Banking Overview Whether you’re an enterprise, large corporation or small organization, our flexible Business Online Banking can efficiently serve you. Depending on your size, the first steps in banking online are setting up your users, subsidiaries and recipients. After setting up these key entities, you can jump right in and experience our state- of-the-art system! Users If your business only needs one person with access to Business Online Banking, you can set up a single login ID and password. This is typical for small companies who primarily use basic Online Banking tools with occasional business transactions. For larger organizations, our system lets you establish multiple login IDs and passwords for authorized employees. After setting up a company policy with a bank representative, you can organize which employees get access to different features within Business Online Banking by establishing user rights. Subsidiaries Subsidiaries are different entities owned or managed by one parent company. Business Online Banking allows you to send transactions from your subsidiaries, offering centralized control to the parent company with the convenience of a single banking system. Subsidiaries may not apply if your business is a single entity with only one tax ID that has several bank accounts tied to it. For complete information or to add, change or delete a subsidiary, contact us at 671-472-5300. Recipients Recipients are people or businesses to whom you send money using a payment feature offered through Business Online Banking. After creating a profile for each recipient, you can choose the method to send them money and the respective transaction details. Each created recipient can be saved so you can quickly and easily make future payments.

Getting Started: Business Online Banking Overview

Getting Started

Transaction Type Overview

Various types of payment methods are offered through Business Online Banking, including wire and ACH transfers. Though they are both quick electronic payments, wires are typically the fastest way to transfer money between accounts. ACH transactions can take up to 2-3 business days to be received and can be used for domestic recipients only. Please call us at 671-472-5300 for a full list of wire and ACH fees or if you have any questions.

Business Online Banking Transaction Types

Type

Description

Transfer money between your accounts linked in business online banking.

Funds Transfer

ACH Pass-Thru

Upload a NACHA-formatted file.

ACH Payment

Send a payment to one recipient.

ACH Batch

Send a payment to several recipients.

ACH Receipt

Receive a payment from one recipient.

ACH Collection

Receive a payment from several recipients.

Domestic Wire

Send a wire to a recipient within the US.

International Wire

Send a wire to a recipient outside the US.

Send payroll to several recipients. If a recipient has more than one account, you can split that payment into several accounts. Send federal, state or local tax authority payments. Pay your bills or send money to an individual, company or bank or credit union in the US. Prevent check fraud by reconciling each posted check against your issued check archive.

Payroll

Tax Payment

Business Bill Pay

Positive Pay

Getting Started: Transaction Type Overview

Getting Started Logging In

Logging in is easy and only requires your login ID 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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1. Enter your login ID 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 671-472-5300 for assistance.

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Getting Started: Logging In

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3. Choose the contact method that allows Bank of Guam to reach you immediately with a Secure Access Code (SAC). This numerical code is only valid for a short time, and if it expires, you need to request a new one. If you close your browser before receiving the SAC, you can log in again and select the I already have a Secure Access Code button. 4. Enter the SAC and click the Submit button.

Logging Off For your security, you should always log off when you finish your online banking 1d 2d 3d 4d 5d 6d 7d 8d 9d 11a 12a 13a 14a 15a 16 17a 18a 19a 20a

session. We may also log you off due to inactivity. 1. Click the Log Off tab in the navigation menu. 2. Close your internet browser.

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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 Bank of Guam Home page—no need to call us!

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1. Click the “Forgot Password” link. 2. Enter your login ID and click the Submit button. 3. Choose the contact method that allows Bank of Guam to reach you immediately with a 6-digit Secure Access Code (SAC).

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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. 11a 12a 13a 14a 15a 16a 17a 18a 19a 20a 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 both your linked and Bank of Guam 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 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 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 1d 2d 3d 4d 5d 6d 7d 8d 9d A1 B1 C1 D1 E1 F1 G1 H1 I1 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 1b 12b 3b 4b 5b 6b 17b 18b 19b 20b 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 11a 12a 13a 14a 15a 16a 17a 18a 19a 20a 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 11a 12a 13a 14a 15a 16a 17a 18a 19a 20a 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 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 11a 12a 13a 14a 15a 16a 17a 18a 19a 20a 11b 12b 13b 14b 15b 16b 17b 18b 19b 20b J1 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 10 11 12 13 14 15 16 17 18 19 20 2 2 2 2 2 2 2 2 2 3 1 2 3 4 5 6 7 8 9 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 c 9c 10d d d d d d d d d d 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 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 A1 B1 C1 D1 E1 F1 G1 H1 I1 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 1 a 1 a 1 a 1 a 1 a 1 a 1 a 1 a 1 a 2 a 1 b 1 b 1 b 1 b 1 b 1 b 1 b 1 b 1 b 2 b A2 B2 C2 D2 E2 F2 G2 H2 I2 A3 B3 C3 D3 E3 F3 G3 H3 I3 11b 12b 13b 14b 15b 16b 17b 18b 19b 20b A2 B2 C2 D2 E2 F2 G2 H2 I2 A1 B1 C1 D1 E1 F1 G1 H1 I1 J1 A2 B2 C2 D2 E2 F2 G2 H2 I2 A3 B3 C3 D3 E3 F3 G3 H3 I3 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 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 11b 12b 13b 14b 15b 16b 17b 18b 19b 20b J1 J2 11a 12a 13a 14a 15a 16a 17a 18a 19a 20a J2 J3 J1 J2 J3 A3 B3 C3 D3 E3 F3 G3 H3 I3 J3

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Home Page: Home Page Overview

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 Bank of Guam accounts and linked external 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. D. The icon allows you to print a summary of current available funds in your accounts. E. You can expand or collapse account details 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. The Quick Actions links in the top right corner let you quickly access different Online Banking features.

Home Page: Home Page Overview

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

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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 Bank of Guam or linked 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 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 11a 12a 13a 14a 15a 16a 7a 18a 19a 20a 11b 12b 13b 14b 15b 16b 7b 18b 19b 20b 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 11a 12a 13a 14a 15a 16a 17a 18a 19a 20a 1 b 12b 13b 14b 15b 16b 17b 18b 19b 20b 1d 2d d d d 6d 7d 8d 9d J1 A1 B1 C1 D1 E1 F1 G1 H1 I1 J2 2 2 2 2 E2 F2 2 2 I2

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Home Page: Home Page Overview

Home Page Account Details Overview

Selecting a Bank of Guam 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

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

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Home Page: Account Details Overview 10a a 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 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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A. On the Home page, you can click on an account name to view the Account Details screen. B. The available balance of that account displays in the top right corner. C. The icon opens the search bar to find transactions with that account. D. Transactions can be sorted by time, type, amount or check number. Click the icon for more options. E. Make a quick transfer by clicking the icon. See page 19 for additional details. F. Export your transactions into a different format by clicking the icon. G. The icon lets you send a secure message about that account or print a list of transactions. H. The icon indicates how the Date, Description and Amount columns are sorted. I. You can view more details about a transaction by clicking on it. J. The icon lets you send a secure message about that transaction or you can print details about it.

Home Page: Account Details Overview

Home Page Quick Transfer

No need to run to a branch to move money from one accout to another. If you’re ever in a rush, the Quick Transfer option is a simple and fast way to make transactions.

Home Page: Quick Transfer 11b 12b 13b 14b 15b 16b 17b 18b 19b 20b 11a 12a 13a 14a 15a 16a 17a 18a 19a 20a J3 10a a 2a 3a 4a 5a 6a 7a 8a 9a 10b 1b b 3b 4b 5b 6b 7b 8b 9b 10c 1c 2c 3c 4c 5c 6c 7c 8c 9c 10d d 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 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 A3 B3 C3 D3 E3 F3 G3 H3 I3 J1 J2 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 11a 12a 13a 14a 15a 16a 17a 18a 19a 20a 11b 12b 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

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1. Click the icon right side of an account card and select Quick Transfer. 2. Use the “From” and “To” drop-downs to choose the accounts to send and receive the funds. 3. Enter an amount to transfer. 4. (Optional) Click the Advanced Options button to be redirected to the Funds Transfer 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 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 6 7d 8d 9d J1 A1 B1 C1 D1 E1 F1 G1 H1 I1 J2 A2 B2 C2 D2 E2 F2 G2 H2 I2 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 11a 12a 13a 14a 15a 16a 17a 18a 19a 20a 11b 12b 13b 14b 15b 16b 17b 18b 19b 20b 1d 2d 3d 4d 5 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 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 10a 1a 2a 3 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 A1 B1 C1 D1 E1 F1 G1 H1 I1

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

A1 B1 C1 D1 E1 F1 G1 H1 I1

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Home Page Account Nickname

Change an account’s nickname directly from the home page.

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J3 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 11 12 13 14 15 16 17 18 21 22 23 24 25 26 27 28 1 2 3 4 5 6 7 8 K L M N O P Q R U V W X Y Z A B C D E F G H 1a 2a 3a 4a 5a 6a 1b 2b 3b 4b 5b 6b 1c 2c 3c 4c 5c 6c 1a 2a 3a 4a 5a 6a 7a 1b 2b 3b 4b 5b 6b 7b 1c 2c 3c 4c 5c 6c 7c 1a 2a 3a 4a 5a 6a 7a 8a 1b 2b 3b 4b 5b 6b 7b 8b 1c 2c 3c 4c 5c 6c 7c 8c 11a 12a 13a 14a 15a 16a 17a 18a 1d 2d 3d 4d 5d 6d 7d 8d 11a 12a 13a 14a 15a 16a 11b 12b 13b 14b 15b 16b 1d 2d 3d 4d 5d 6d 7d 1d 2d 3d 4d 5d 6d A1 B1 C1 D1 E1 F1 A2 B2 C2 D2 E2 F2 A3 B3 C3 D3 E3 F3 11a 12a 13a 14a 15a 16a 17a 11b 12b 13b 14b 15b 16b 17b A1 B1 C1 D1 E1 F1 G1

A3 B3 C3 D3 E3 F3 G3 H3 I3

1. Click the

icon right side of an account card and select Nickname Account.

2. Enter a global nickname. 3. Enter a personal nickname. 4. Click the Save button when you are finished.

Home Page: Account Nickname

Home Page Account Grouping

You can organize your internal and linked 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.

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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

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

Home Page: Account Grouping

Editing a Group Name The names of existing groups can be edited 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 11a 12a 13a 14a 15a 16a 17a 18a 19a 20a 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

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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 10 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 10 1d 2d 3d 4d 5d 6d 7d 8d 9d J1 J2 J3

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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Home Page: Account Grouping

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Security

Protecting Your Information

Here at Bank of Guam, we do everything 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 login ID and password. • Never leave your computer unattended while using Online Banking. • Monitor your recent account history for unauthorized transactions. • Always log off Online Banking when you’re finished and close the browser. Login ID and Password • Create strong passwords by using a mixture of 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 login IDs and passwords. Fraud Prevention • Do not open email attachments or click on links from unsolicited sources. • Avoid giving out personal information on the phone or through email. • Shred unwanted sensitive documents including receipts, checks, deposit slips, pre-approved credit card offers and expired cards. • Act quickly. If you suspect your financial information is compromised, call us immediately at 671-472-5300.

Security: Protecting Your Information

Security

Security Preferences

We take security very seriously at Bank of Guam. Because of this, we’ve added various tools to help you better protect your account information. You can add and manage these features in Security Preferences to strengthen your Online Banking experience.

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Change Password When you need to, you can change your password within Online Banking. We recommend that you change your password regularly and follow our guidelines for creating a strong password.

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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 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 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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Security: Security Preferences 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 In the Settings tab, click Security Preferences . 1. Click the Change Password button. 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 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 2. Enter your old password. 3. Create a new password. 4. Reenter your new password. 5. Click the Change Password button when you are finished making changes. 11b 12b 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 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 11a 12a 13a 14a 15a 16a 17a 18a 19a 20a 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 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 J2 A2 B2 C2 D2 E2 F2 G2 H2 I2 11b 12b 13b 14b 15b 16b 17b 18b 19b 20b

A3 B3 C3 D3 E3 F3 G3 H3 I3 11a 12a 13a 14a 15a 16a 17a 18a 19a 20a J1 A1 B1 C1 D1 E1 F1 G1 H1 I1

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