Bank of Guam Business Online Banking User Guide

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Business Online Banking User Guide

bankofguam.com

II

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

St. Louis, MO 63021 www.mcompany.com

© 2009-2022 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.

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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.

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Table of Contents Getting Started

Business Online Banking Overview.............................................................................9 Users........................................................................................................................................ 9 Subsidiaries............................................................................................................................. 9 Recipients................................................................................................................................ 9 Business Online Banking Transaction Types . .................................................................. 10 Transaction Type Overview........................................................................................10 Logging In.....................................................................................................................11 Logging Off............................................................................................................................ 12 Resetting A Forgotten Password. ..............................................................................13 Home Page Home Page Overview..................................................................................................15 Account Summary Overview............................................................................................... 17 Account Details Overview...........................................................................................18 Quick Transfer. ............................................................................................................20 Account Nickname. .....................................................................................................21 Details & Settings. .......................................................................................................22 Account Grouping. ......................................................................................................23 Editing a Group Name. ........................................................................................................ 24 Deleting a Group. ................................................................................................................. 24 Security Protecting Your Information......................................................................................25 General Guidelines............................................................................................................... 25 Login ID and Password........................................................................................................ 25 Fraud Prevention.................................................................................................................. 25 Security Preferences...................................................................................................26 Change Password................................................................................................................. 26 Challenge Code..................................................................................................................... 27 Secure Delivery..................................................................................................................... 28 Mobile Security Preferences......................................................................................29 Enabling Touch ID or Fingerprint Login............................................................................. 29 Enabling Passcode Authentication..................................................................................... 31 Disabling Passcode Authentication, Touch ID or Fingerprint Login............................... 32 Enabling Face ID. .................................................................................................................. 33 Apple Watch.................................................................................................................34 Apple Watch Setup............................................................................................................... 34 Viewing Balances and Transactions................................................................................... 34

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Alerts Overview............................................................................................................35 Account Alerts....................................................................................................................... 36 History Alerts. ....................................................................................................................... 37 Online Transaction Alerts.................................................................................................... 38 Reminder............................................................................................................................... 39 Security Alerts Overview.............................................................................................40 Edit Delivery Preferences. ................................................................................................... 40 Enabling and Disabling Push Notifications. .............................................................41 Secure Message Overview. ........................................................................................42 Sending a Secure Message.........................................................................................43 Transactions Funds Transfer.............................................................................................................44 Commercial Users Overview............................................................................................................46 User Management Overview. ............................................................................................. 47 Adding a New User .............................................................................................................. 48 Part 1 of 5: Establishing Transaction Type Rights............................................................. 49 Part 2 of 5: Disabling a Transaction Type.......................................................................... 50 Part 3 of 5: Editing Approval Limits for a Transaction Type............................................ 51 Part 4 of 5: Establishing Rights to Access Features.......................................................... 52 Part 5 of 5: Establishing Rights to Access Accounts. ........................................................ 53 Editing an Existing User’s Rights................................................................................54 Deleting a User. ...........................................................................................................55 Recipient Overview......................................................................................................56 ACH Only- Part 1 of 2: Adding a Recipient......................................................................... 57 ACH Only- Part 2 of 2: Recipient Account Detail............................................................... 58 ACH & Wire- Part 1 of 4: Adding a Recipient..................................................................... 59 ACH & Wire- Part 2 of 4: Beneficiary FI Detail................................................................... 60 ACH & Wire- Part 3 of 4: Intermediary FI Detail................................................................ 61 ACH & Wire- Part 4 of 4: Recipient Account Detail........................................................... 62 Wires Only (Domestic) - Part 1 of 4: Adding a Recipient.................................................. 63 Wires Only (Domestic)- Part 2 of 4: Beneficiary FI Detail................................................. 64 Wires Only (Domestic)- Part 3 of 4: Intermediary FI Detail. ............................................ 65 Wires Only (Domestic)- Part 4 of 4: Recipient Account Detail......................................... 66 Wires Only (International)- Part 1 of 4: Adding a Recipient............................................. 67 Wires Only (International)- Part 2 of 4: Beneficiary FI Detail........................................... 68 Wires Only (International)- Part 3 of 4: Intermediary FI Detail. ...................................... 69 Wires Only (International)- Part 4 of 4: Recipient Account Detail................................... 70

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Editing a Recipient.......................................................................................................71 Editing a Recipient’s Templates.......................................................................................... 72 Deleting a Recipient. ...................................................................................................73 Payment Template Overview.....................................................................................74 Creating a Template....................................................................................................75 ACH Batch.............................................................................................................................. 76 ACH Collection...................................................................................................................... 78 ACH Payment........................................................................................................................ 80 ACH Receipt........................................................................................................................... 82 Payroll.................................................................................................................................... 84 Domestic Wire. ..................................................................................................................... 86 International Wire. ............................................................................................................... 88 Sending a Single Payment..........................................................................................90 ACH Batch.............................................................................................................................. 90 ACH Payment........................................................................................................................ 93 ACH Collection...................................................................................................................... 95 ACH Receipt........................................................................................................................... 98 Payroll................................................................................................................................. 100 Domestic Wire. .................................................................................................................. 102 International Wire. ............................................................................................................ 104 Splitting a Payment........................................................................................................... 106 Payment From File. .................................................................................................. 107 Editing or Using a Template.................................................................................... 109 Deleting a Template................................................................................................. 110 ACH Pass-Thru.......................................................................................................... 111 Tax Payment. ............................................................................................................ 112 Mobile Authorizations. ............................................................................................ 114 Activity Center Overview. ........................................................................................ 116 Using Filters........................................................................................................................ 117 Creating or Deleting Custom Views Using Favorites..................................................... 117 Editing Transactions.......................................................................................................... 118 Viewing, Approving or Canceling a Transaction. .................................................. 119 Single Transaction............................................................................................................. 119 Multiple Transactions. ...................................................................................................... 120 Positive Pay Introduction. ............................................................................................................. 121 Upload an Issued Check File................................................................................... 122 Manually Enter a Check........................................................................................... 123 Void a Check.............................................................................................................. 124

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Advanced Bill Pay Home Page Overview............................................................................................... 125 Add a Payee............................................................................................................... 127 Company. ........................................................................................................................... 127 Individual Electronic Payments: Allowing an Individual to Provide Their Banking Information........................................................................................................................ 129 Individual Electronic Payments: If You Have an Individual’s Account Information... 131 Individual Check Payments.............................................................................................. 133 Activate a Payee................................................................................................................. 135 Import Payees........................................................................................................... 136 Edit a Payee............................................................................................................... 139 Delete a Payee.......................................................................................................... 140 Add and Manage Categories................................................................................... 141 Single Payment......................................................................................................... 142 Edit or Stop a Single Payment................................................................................. 143 Create a Recurring Payment................................................................................... 144 Edit or Stop a Recurring Payment.......................................................................... 146 Payment Approval.................................................................................................... 148 Add a Transfer Account........................................................................................... 149 Delete or Edit a Transfer Account. ......................................................................... 150 One-Time Transfer................................................................................................... 151 Edit or Stop a Single Transfer. ................................................................................ 152 Recurring Transfers.................................................................................................. 153 Edit or Stop a Recurring Transfer........................................................................... 154 Transfer Approval..................................................................................................... 156 Calendar. ................................................................................................................... 157 Company Profile....................................................................................................... 158 Delete or Edit Bill Pay Accounts.............................................................................. 159 Modify User Permissions......................................................................................... 160 Personal Profile. ....................................................................................................... 161 e-Notifications........................................................................................................... 162 Events. ................................................................................................................................ 162 Logout................................................................................................................................. 163 Recurring............................................................................................................................ 164 Reminders.......................................................................................................................... 165 Reports. ..................................................................................................................... 166 Services Stop Payment Request. ........................................................................................... 167 Single Check ...................................................................................................................... 167 Multiple Checks . ............................................................................................................... 168

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Reordering Checks................................................................................................... 169 Credit Card................................................................................................................ 171 Settings Profile......................................................................................................................... 172 Account Preferences................................................................................................ 173 Themes...................................................................................................................... 174 Accessibility............................................................................................................... 175 Locations Branches and ATMs. ................................................................................................ 176

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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

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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

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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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Note : If you enter an incorrect password too many times, your account will be temporarily locked. Call us at 671-472-5300 for assistance. 11b 12b 13b 14b 15b 16b 17b 18b 19b 20b J1 A1 B1 C1 D1 E1 F1 G1 H1 I1 10a 1a 2a 3a 4a 5a 6a 7a 8a 9a 0b 1b 2b 3b 4b 5b 6b 7b 8b 9b 0c 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 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

1. Click the Online Banking Login button. 2. Enter your login ID and password. 3. Click the Log In button.

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Getting Started: Logging In

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4. 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. 5. 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

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Getting Started Resetting A Forgotten Password

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

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1. Click the “Forgot your 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). 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 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. 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 11a 12a 13a 14a 15a 16a 17a 18a 19a 20a 11b 12b 13b 14b 15b 16b 17b 18b 19b 20b J1 J2 J3 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 11a 12a 13a 14a 15a 16a 17a 18a 19a 20a 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

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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

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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 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

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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 Bank of Guam 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 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

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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

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

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Home Page: Home Page Overview

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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

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

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

10 17 18 19 20 27 28 29 30 7 8 9 J Q R S T G H I 10a 7a 8a 9a 10b 7b 8b 9b 10c 7c 8c 9c 10d 7d 8d 9d

J1 10 11 12 13 14 15 16 17 18 19 20 21 2 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 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

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Home Page: Account Details Overview

19

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 is displayed 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 20 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 print details about it.

Home Page: Account Details Overview

20

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.

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

Home Page: Quick Transfer B2 C2 D2 E2 F2 G2 H2 I2 B3 C3 D3 E3 F3 G3 H3 I3 13a 14a 15a 16a 17a 18a 19a 20a 13b 14b 15b 16b 17b 18b 19b 20b C1 D1 E1 F1 G1 H1 I1 A3 B3 C3 D3 E3 F3 G3 H3 I3 B1 C1 D1 E1 F1 G1 H1 I1 J2 J3 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 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 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 10 13 14 15 16 17 18 19 20 23 24 25 26 27 28 29 30 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 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 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 10a 3a 4a 5a 6a 7a 8 9a 10b 3b 4b b 6b 7b 8b 9b 10c 3c 4c 5c 6c 7c 8c 9c 10d 3d 4d 5d 6d 7d 8d 9d J M N O P Q R S T W X Y Z 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 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 12a 13a 14a 15a 16a 17a 18a 19a 20a A2 B2 C2 D2 E2 F2 G2 H2 I2 12b 13b 14b 15b 16b 17b 18b 19b 20b

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

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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

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. Select a transfer date. 5. (Optional) Click the Advanced Options button to be redirected to the Funds Transfer feature. 6. Click the Draft button to save the transfer for future approval or the Approve button to approve the transfer now. J1 J2 J3 J1 J2 J3 J1 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 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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21

Home Page Account Nickname

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

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

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 21 22 23 24 25 26 27 28 29 30 1 2 3 4 5 6 7 8 9

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

J1

1. Click the icon right side of an account card and select Nickname Account. 2. Enter a global nickname to change the account name for all users who don’t have thir own nickname set for this account.. 3. Enter a personal nickname to change the account name just for yourself. 4. Click the Save button when you are finished. 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 15 16a 17a 18a 19a 20 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 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 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 A2 B2 C2 D2 E2 F2 G2 H2 I2

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11b 12b 13b 14b 15b 16b 17b 18b 19b 20b 11a 12a 13a 14a 15a 16a 17a 18a 19a 20a A1 B1 C1 D1 E1 F1 G1 H1 I1 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 J2 A3 B3 C3 D3 E3 F3 G3 H3 I3 J1 A2 B2 C2 D2 E2 F2 G2 H2 I2 J3 J2

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Home Page: Account Nickname A3 B3 C3 D3 E3 F3 G3 H3 I3 A2 B2 C2 D2 E2 F2 G2 H2 I2

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22

Home Page Details & Settings

View additional details about an acount and change the account’s visibility.

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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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

Home Page: Details & Settings icon to edit the display name. 3. Use the toggle to decide whether or not your account is visible on the Home page. K L M N O P Q R S 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 icon right side of an account card and select Settings. 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 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 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 11a 12a 13a 14a 15a 16a 17a 18a 19a 20a 11b 12b 13b 14b 15b 16b 17b 18b 19b 20b 1. Click the 2. Click the

23

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.

11 12 1 21 22 2 1 2 3 K L M U V W A B

1a 2a 1b 2b 1c 2c

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

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J1 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 A1 B1 A2 B A3 B

1. Create a new group by clicking the 2. Use the drop-down to select an account. 3. Enter the group name. 4. Click the Save button.

icon and selecting “Create new group.”

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