BankWest: User's Guide Online & Mobile Banking Personal Edition

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

St. Louis, MO 63021 www.mcompany.com

© 2009–2026 Murphy & Company, Inc. Macintosh is a trademark of Apple Inc., registered in the U.S. and other countries. Android is a trademark of Google LLC. Adobe Reader is a registered trademark of Adobe Systems, Inc. © 2012 Portions of this guide were written by Q2 Software, Inc.

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 Online Banking with BankWest! Whether you are at home or at the office using 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 605-224-7391 or 800-253-0362.

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Table of Contents Getting Started

New User Enrollment ...................................................................................................9 Mobile Banking ...........................................................................................................11 Logging In.....................................................................................................................12 Logging Off ........................................................................................................................... 12 Retrieve a Forgotten Login ID....................................................................................13 Resetting a Forgotten Password ...............................................................................14 Accounts Home Page Overview .................................................................................................16 Account Details Overview ..........................................................................................18 Quick Transfer.............................................................................................................20 Account Nickname......................................................................................................21 Details & Settings........................................................................................................22 Manage Accounts Overview ......................................................................................................................23 Manual Accounts ........................................................................................................24 Adding a Manual Account................................................................................................... 24 Editing a Manual Account ................................................................................................... 25 Deleting a Manual Account................................................................................................. 26 Tagging an Account ....................................................................................................27 Editing an Account Tag........................................................................................................ 28 Deleting an Account Tag ..................................................................................................... 29 Security Protecting Your Information......................................................................................30 General Guidelines .............................................................................................................. 30 Login ID and Password........................................................................................................ 30 Fraud Prevention ................................................................................................................. 30 Security Preferences...................................................................................................31 Change Password ................................................................................................................ 31 Change Login ID ................................................................................................................... 32 Secure Delivery .................................................................................................................... 33 Mobile Security Preferences......................................................................................34 Enabling Biometrics............................................................................................................. 34 Enabling Passcode Authentication .................................................................................... 36 Enabling Face ID................................................................................................................... 37 Disabling Passcode Authentication, Touch ID, Fingerprint or Facial ID Login.............. 38

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Alerts Overview ...........................................................................................................39 Account Alerts ...................................................................................................................... 40 History Alerts........................................................................................................................ 41 Online Transaction Alerts ................................................................................................... 42 Security Alerts Overview ............................................................................................43 Editing Delivery Preferences............................................................................................... 43 Enabling and Disabling Push Notifications..............................................................44 Secure Message Overview .........................................................................................45 Sending a Secure Message ........................................................................................46 Q2 Patrol ......................................................................................................................47 Transactions Funds Transfer ............................................................................................................48 Loan Payments............................................................................................................50 Add a Personal External Transfer Account ..............................................................52 Instant Verification............................................................................................................... 52 Micro-Deposits ..................................................................................................................... 53 Verify an External Transfer Account with Micro-Deposits .....................................54 Manage External Transfer Accounts.........................................................................56 Nickname External Transfer Accounts.............................................................................. 56 Remove External Transfer Accounts ................................................................................. 57 Send Money with Zelle ® Setup ..................................................................................58 Initial Setup........................................................................................................................... 58 Adding a Recipient............................................................................................................... 59 Send Money with Zelle ®................................................................................................................................................................ 60 Send Money with Zelle ® Limits ..................................................................................62 Request Money with Zelle ® ...................................................................................................................................................... 63 Split Payment with Zelle ®.................................................................................................................................................. 64 Zelle ® Activity ...............................................................................................................65 Zelle ® Settings..............................................................................................................66 Activity Center Overview ............................................................................................67 Using Filters .......................................................................................................................... 68 Creating or Deleting Custom Views Using Favorites ....................................................... 69 Editing Transactions ............................................................................................................ 70 Canceling Transactions ....................................................................................................... 71 Stop Payments ..................................................................................................................... 72 Integrated Bill Pay Bill Pay Overview ........................................................................................................73 Creating a Payee .................................................................................................................. 73 Editing a Payee ..................................................................................................................... 75

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Deleting a Payee .................................................................................................................. 76 Changing “Pay From” Accounts .......................................................................................... 77 Making a Single Payment...........................................................................................78 Paying Multiple Bills....................................................................................................79 Payment Activity..........................................................................................................80 Cancel a Pending Payment ........................................................................................81 Advanced Bill Pay Getting Started ...........................................................................................................82 Navigation ...................................................................................................................83 Pay Someone New .....................................................................................................84 Schedule a Single Payment........................................................................................87 Schedule Multi Payments ..........................................................................................89 Set Up Auto-Pay ..........................................................................................................90 Edit an Auto-Payment.................................................................................................92 Turn off Auto-Payment...............................................................................................93 Edit Biller Details .........................................................................................................94 Edit Biller Details .........................................................................................................95 Quick Reference Panels Overview ............................................................................96 Reports .........................................................................................................................97 Alert Preferences ........................................................................................................98 Personal Financial Management PFM Initial Setup .........................................................................................................99 Enrolling in PFM ................................................................................................................... 99 Linking an Account............................................................................................................ 100 Unlinking an Account ....................................................................................................... 101 Categorizing Transactions ............................................................................................... 102 Splitting a Transaction...................................................................................................... 103 Online Banking Home Page.................................................................................... 104 Spending Overview........................................................................................................... 105 Spending: Transaction Details......................................................................................... 106 Spending: Recategorizing a Transaction........................................................................ 107 Spending: Tagging a Transaction.................................................................................... 109 Spending: Splitting a Transaction ................................................................................... 110 Budgets Overview............................................................................................................. 111 Auto-generated Budgets.................................................................................................. 112 Budgets From Scratch ...................................................................................................... 112 Editing or Deleting a Budget............................................................................................ 113 Editing or Deleting a Sub-Budget.................................................................................... 115 Trends Overview ............................................................................................................... 116 Cash Flow Overview.......................................................................................................... 117

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Adding an Expense ........................................................................................................... 118 Adding Income .................................................................................................................. 119 Editing, Deleting or Skipping a Cash Event .................................................................... 120 Net Worth Overview ......................................................................................................... 121 Debts Overview................................................................................................................. 122 Edit Annual Percentage Rate (APR) and Minimum Payment....................................... 123 Extra Payments ................................................................................................................. 125 Financial Tool Settings............................................................................................. 126 Card Controls Card Services Overview........................................................................................... 127 Travel Notifications.................................................................................................. 128 Request a New Card ................................................................................................ 129 Report a Lost or Stolen Card .................................................................................. 130 Enrolling a Card in Controls and Alerts ................................................................. 131 Card Controls ........................................................................................................... 132 Spending ............................................................................................................................ 132 Transaction Types............................................................................................................. 134 Merchant Types................................................................................................................. 136 Card Alerts ................................................................................................................ 138 Spending Alerts ................................................................................................................. 138 Transaction Type Alerts.................................................................................................... 140 Merchant Type Alerts ....................................................................................................... 142 Services and Statements CardSwap.................................................................................................................. 144 Getting Started .................................................................................................................. 144 Overview ............................................................................................................................ 146 Check Reorder.......................................................................................................... 147 Stop Payment Request............................................................................................ 148 Single Check ...................................................................................................................... 148 Multiple Checks ................................................................................................................ 149 Mobile RDC Enrollment........................................................................................... 150 Mobile Deposits ....................................................................................................... 151 Statements................................................................................................................ 152 Statements................................................................................................................ 153 eDocuments ............................................................................................................. 155 PDF Verification................................................................................................................. 155 eStatements ...................................................................................................................... 156 eNotices ............................................................................................................................. 157 Tax Documents ................................................................................................................. 158 Credit Score and Report.......................................................................................... 159

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Direct Deposit Switch Direct Deposits......................................................................................................... 160 Recurring Payments ............................................................................................... 162 Settings Apple Watch ®.......................................................................................................................................................................................... 164 Apple Watch ® Setup.......................................................................................................... 164 Viewing Balances and Transactions ............................................................................... 164 Profile ........................................................................................................................ 165 Text Enrollment........................................................................................................ 166 Update Contact Details ........................................................................................... 167 Statement Delivery .................................................................................................. 168 eDocument Preferences ......................................................................................... 169 PDF Verification................................................................................................................. 169 eStatements and eNotices............................................................................................... 170 Themes...................................................................................................................... 171 Accessibility............................................................................................................... 172 Locations Branches and ATMs................................................................................................. 173

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Getting Started New User Enrollment

If you’re new to Online Banking with BankWest, you need to complete the enrollment process the first time you log in. Once you complete these few quick steps, you’ll be on your way to banking everywhere you go! 1. Type bankwest-sd.bank into your browser and click the Login button. 2. Click the “New User - Personal” link. 3. Fill out the Online Banking New Enrollment Form with the required information and click the Continue button.

Note: The details you provide are verified by comparing them to your contact information in our system. If the information does not match, call us at 605-224-7391 or 800-253-0362 to update your profile.

4. A confirmation message appears. You are given a temporary password to use during your first-time login. Memorize the password, and click the “Click Here” link to be redirected to the BankWest Home page. 5. Enter your new login ID and click the Log In button. 6. Choose the contact method that allows BankWest to reach you immediately with a Secure Access Code (SAC). This numbered code is only valid for a short time, and you will need to request a new one if it expires. 7. Enter the SAC and click the Submit button. Never share your SAC code with anyone. 8. Choose whether to register your device for future logins. If you click the Register Device button, you will not need to request a SAC from that device.

Note: For additional security, you may be required to use a Secure Access Code (SAC) each time you log in from an unregistered device. Only register devices you trust.

Getting Started: New User Enrollment

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9. Review the Online Banking Services Agreement on the Disclaimers page and click the I Accept button to agree to the terms and conditions. 10. A view-only profile page appears. Review the information and click the Submit button. 11. Change your password by using your old temporary password. 12. Congratulations! You have successfully logged in to Online Banking! If you have any questions or concerns, call us at 605-224-7391 or 800-253-0362.

Getting Started: New User Enrollment

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Getting Started Mobile Banking

1. Download our App, BankWest SD Mobile Banking, at Google Play or the App Store. 2. If you are enrolled in BankWest Online Banking, log in to mobile banking using the same username and password you use for online banking. 3. If you are not enrolled in BankWest Online Banking, select Enroll Now from the menu at the bottom of the app’s login screen and complete the New Enrollment Account Verification.

Getting Started: Mobile Banking

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Getting Started Logging In

After your first-time enrollment, 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. Click the Login button. 2. Enter your login ID and click the Log in button. 3. Enter your password and click the Submit button.

Note: If you enter an incorrect password too many times, your account will be temporarily locked. Call us at 605-224-7391 or 800 253-0362 for assistance.

Logging Off For your security, you should always log off when you finish your Online Banking

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.

Getting Started: Logging In

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Getting Started Retrieve a Forgotten Login ID

If you forget your login ID, you can easily retrieve it.

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1. Click the Login button. 2. Click the “Forgot Login ID” link.

3. Enter the required information and click the Continue button. 4. Your login ID will be sent to you using the method you selected.

Getting Started: Retrieve a Forgotten Login ID

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Getting Started Resetting a Forgotten Password

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

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1. Click the Login button. 2. Click the “Forgot Password” link. 3. Enter your login ID and click the Submit button.

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 browser.

Getting Started: Resetting a Forgotten Password

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4. Choose the contact method that allows BankWest to reach you immediately with a six-digit Secure Access Code (SAC). 5. Enter the SAC and click the Submit button. 6. Create a new password based on our password requirements, and click the Submit button when you are finished.

Getting Started: Resetting a Forgotten Password

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Accounts Home Page Overview

After logging in, you are taken directly to the Home page. Here you can view the balances in both your linked and BankWest accounts, see your account summaries and more!

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Accounts: Home Page Overview

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A. Use the navigation bar to navigate to Online Banking features by selecting the appropriate drop-down tab. B. Your BankWest 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 and select “View Activity” for more details. D. The Quick Links let you quickly access different Online Banking features. E. Recent Activity shows you the recent activity in all of your accounts.

Accounts: Home Page Overview

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Accounts Account Details Overview

Selecting an BankWest 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.

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Accounts: Account Details Overview

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A. On the Home page, click an account card to view the Account Details screen. B. The current and available balances for that account are displayed in the top right corner. C. The icon opens the search bar to find transactions in that account. D. Transactions can be sorted by date, 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 different file formats 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.

Accounts: Account Details Overview

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Accounts 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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1. Click the “Quick Transfer” link on an account card. 2. Use the drop-downs to select the “From” and “To” accounts. 3. Enter an amount to transfer. 4. Select a transfer date. 5. (Optional) Click the Advanced Options button to create a recurring transfer. 6. Click the Transfer Funds button when you are finished.

Accounts: Quick Transfer

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Accounts Account Nickname

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

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icon and select “Nickname.”

2. Enter a new account nickname. 3. Click the Save button when you are finished.

Accounts: Account Nickname

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Accounts Details & Settings

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

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icon and select “View details.” icon to edit the display name.

Accounts: Details & Settings

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Manage Accounts Overview

The Manage Accounts page offers several options and features for you to manage and personalize your accounts.

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Click the View all accounts button at the bottom of the accounts list. A. Click and drag an account to change its order in your account list. Any changes to the order of your accounts will be reflected on your Home Page. B. Click the icon next to an account to set it as a favorite and make it viewable on your Home Page. C. Click the icon to view activity, nickname an account, make a quick transfer, favorite or unfavorite an account, move an account, or view additional settings. D. Click the Accounts, Manual Accounts, External Accounts or Sync Manager tabs to view and manage additional types of accounts. E. Use the drop-down to filter your accounts by tags. F. Click the + Add account button to add a new account. a. Select “Link an Account” to view your balance and history from other banks and credit unions. For more information go to page 100. b. Select “Add an External Account” to connect an external account. Go to page 52 for more information. c. Select “Create a Manual Account” to track additional assets and debts. Go to page 24 for more information.

Manage Accounts: Overview

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Manage Accounts Manual Accounts

This feature is available to consumers. Manual Accounts allows consumers to add manual accounts to My Money to get a clearer picture of their Net Worth. You can add or edit assets and debts such as your home value, cash on hand or outstanding loans.

Adding a Manual Account

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Click the View all accounts button at the bottom of the accounts list. 1. Click the Create Add account button and select “Create a Manual Account.” 2. Enter an account name. 3. Use the drop-down menu to select an account type. 4. Enter the required information. The information will vary depending on the account type.

5. Click the Save button. 6. Click the Done button.

Manage Accounts: Manual Accounts

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Editing a Manual Account

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Click the View all accounts button at the bottom of the accounts list. 1. Click the Manual Accounts tab. 2. Click the icon and select “Edit.” 3. Make changes to the account and click the Save button. 4. Click the Done button when you are finished.

Manage Accounts: Manual Accounts

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Deleting a Manual Account

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Click the View all accounts button at the bottom of the accounts list. 1. Click the Manual Accounts tab. 2. Click the icon and select “Delete.” 3. Click the Delete button.

Manage Accounts: Manual Accounts

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Manage Accounts Tagging an Account

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Click the View all accounts button at the bottom of the accounts list. 1. Click the “Add Tag” link. 2. Enter a tag name. 3. Select the accounts to apply the tag to. 4. Click the Add Tag button.

Manage Accounts: Tagging an Account

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Editing an Account Tag

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Click the View all accounts button at the bottom of the accounts list. 1. Select “Manage Tags” from the “All Accounts” drop-down. 2. Click the icon. 3. Edit the necessary information and click the Save Tag button.

Manage Accounts: Tagging an Account

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Deleting an Account Tag

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Click the View all accounts button at the bottom of the accounts list. 1. Select “Manage Tags” from the “All Accounts” drop-down. 2. Click the icon. 3. Click the Delete Tag button.

Manage Accounts: Tagging an Account

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Security Protecting Your Information

Here at BankWest, 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’ve finished and close the browser. Login ID and Password • Create strong passwords by using a mixture of uppercase and lowercase letters, numbers and special characters. • Do not create passwords containing your initials, birthday or any personal information • Change your passwords periodically and never reuse passwords used for other services. • 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, by text 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 605-224-7391 or 800-253-0362.

Security: Protecting Your Information

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Security Security Preferences

We take security very seriously at BankWest. 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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In the Settings tab, click Security Preferences . 1. Click the Change Password button. 2. Enter your current password. 3. Create a new password. 4. Reenter your new password. 5. Click the Change Password button when you are finished making changes.

Security: Security Preferences

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Change Login ID You can also change your login ID at any time. To ensure that you create an effective login ID, create an ID that you will remember and that follows our required guidelines.

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In the Settings tab, click Security Preferences . 1. Click the Change Login ID button. 2. Enter your new login ID. 3. Click the Save new Login ID button when you are finished making changes.

Security: Security Preferences

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Secure Delivery We can verify your identify by sending an SAC to you by text message or voice call. Within Security Preferences, you can make changes to your delivery preferences or add new ways we can contact you.

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In the Settings tab, click Security Preferences . 1. Click the Secure Delivery button. 2. Make changes to a secure delivery method by clicking the

icon to make

changes, or the icon to delete a secure delivery method. 3. Add a new delivery contact by clicking either the + Add Contact button. 4. Enter your new contact information and click the Save button when you are finished to save your changes.

Security: Security Preferences

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Security Mobile Security Preferences

Within BankWest’s app, you have the ability to set up security preferences that are not available on a desktop computer. These additional preferences make signing into your Digital Banking quick and easy, and also add an extra layer of security to your private information while you are on the go! Enabling Biometrics Biometrics uses fingerprint or face recognition technology, allowing you to perform tasks on your Apple ® or Android™ device with just your fingerprint. With this feature enabled, you can quickly and securely access your accounts using our app!

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Sign in to BankWest’s app and tap the Menu button. In the Settings tab, tap Security Preferences. 1. Toggle the Biometrics switch from “Off” to “On.” 2. Review the information about using fingerprint authentication and tap the Continue button. 3. Enter your login ID and password, and tap the Authorize button.

Note: You must have fingerprint recognition enabled on your mobile device before enabling it through our app.

Security: Mobile Security Preferences

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4. Scan your fingerprint. a. Apple ® Device : Place your finger on the Home button to enable Touch ID. b. Android ™ Device : Place your finger on the fingerprint scanner to enable Fingerprint Login. Location of scanner varies from device to device.

Security: Mobile Security Preferences

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Enabling Passcode Authentication Create a passcode within our app to quickly and easily sign in and access your funds while on the go!

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Sign in to BankWest’s app and tap the Menu button. In the Settings tab, tap Security Preferences. 1. Toggle the Passcode switch from “Off” to “On.” 2. Review the information about using a passcode and tap the Create Passcode button. 3. Create your strong passcode using the keypad. 4. Confirm your passcode using the keypad. 5. Enter your login ID and password, and tap the Authorize button.

Security: Mobile Security Preferences

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Enabling Face ID Face ID is a feature that utilizes facial recognition technology, allowing you to unlock your Apple ® or Android™ device with your face instead of a login ID and password.

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Open BankWest’s app and tap the Biometrics button. 1. Review the information about using Face ID and tap the Enroll Now button. 2. Enter your login ID and password, and tap the Authorize button. 3. Face ID is now set up. You can now tap the Biometrics button to log in.

Note: You must have facial recognition enabled on your mobile device before enabling it through our app.

Security: Mobile Security Preferences

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Disabling Passcode Authentication, Touch ID, Fingerprint or Facial ID Login You can disable Passcode Authentication, Fingerprint or Facial Recognition Login if you no longer prefer to utilize them. When all features are disabled, you can sign in to your Online Banking using your user ID and password.

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Sign in to BankWest’s app and tap the Menu button. In the Settings tab, tap Security Preferences. 1. Toggle the Passcode , Face/Touch ID or Fingerprint Login switch from “On” to “Off.” 2. Tap the Yes button to disable the feature.

Security: Mobile Security Preferences

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Security Alerts Overview

Having peace of mind is critical when it comes to your Online Banking experience. When you create an alert through Online Banking, you specify the conditions that trigger that alert, so you stay on top of what’s important to you.

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In the Settings tab, click Alerts . A. The "New Alert" drop-down lets you create an account, history, online transaction or reminder alert. B. The icon allows you to collapse or expand alert details for each category. C. Toggling the switch turns an alert on or off without deleting it. D. The "Edit" link lets you make changes to existing alerts.

Note: All alerts are automatically sent through secure messages but you can also choose to receive them by text message, voice call, or email.

Settings: Alerts Overview

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Account Alerts There should be no surprises when it comes to your finances. Account Alerts can notify you when the balances in your accounts go above or below a number you specify.

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In the Settings tab, click Alerts . 1. Use the “New Alert” drop-down and select “Account Alert.” 2. Use the drop-down to select an account. 3. Use the drop-down to select an account balance type. 4. Select a comparison. 5. Enter an amount. 6. Select a delivery method and enter the corresponding information. 7. Click the Create Alert button when you are finished.

Settings: Alerts Overview

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History Alerts f you’re ever concerned about amount limits or pending checks, you can create History Alerts to contact you when a check number posts or transactions meet an amount you choose.

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In the Settings tab, click Alerts . 1. Click the “New Alert” drop-down and select “History Alert.” 2. Select a transaction type. 3. Select a comparison. These options vary depending on the chosen transaction type. 4. Enter an amount. 5. Use the drop-down to select an account. 6. Select a delivery method and enter the corresponding information. 7. Click the Create Alert button when you are finished.

Settings: Alerts Overview

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Online Transaction Alerts Different types of transactions can occur in your accounts. By creating Online Transaction Alerts, you can be notified when various transfers, payments or debits post to your account.

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In the Settings tab, click Alerts . 1. Click the “New Alert” drop-down and select “Online Transaction Alert.” 2. Use the drop-down to select a transaction type. 3. Use the drop-down to select an account. 4. Use the drop-down to select a status. 5. Select a delivery method and enter the corresponding information. 6. Click the Create Alert button when you are finished.

Settings: Alerts Overview

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Security Security Alerts Overview

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

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In the Settings tab, click Alerts , then Security Alerts . A. Toggling the switch turns an alert on or off without deleting it.

Editing Delivery Preferences When a trigger occurs, Security Alerts are always sent to you through secure messages. You can add additional delivery methods to notify you about your accounts wherever you are. In the Settings tab, click Alerts , then Security Alerts . 1. Click the “Edit Delivery Preferences” link at the top. These changes will apply to all Security Alerts.

2. Enter the information for your preferred delivery method. 3. Click the Save button when you are finished making changes.

Settings: Security Alerts Overview

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Security Enabling and Disabling Push Notifications Have alerts sent directly to your mobile device as push notifications. Push notifications are completely free to receive and will show up as a banner at the top of your lock screen or in your “notification tray.”

Note: Push Notifications are available for security, reminder, account and transaction alerts.

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A. When you first sign into BankWest’s Online Banking app, you have the option to enable push notifications for alerts by tapping the Allow button. B. To enable or disable push notifications at a later time, in the Alerts tab, tap Push Notifications . 1. Use the Enable Notifications switch to enable or disable push notifications. 2. Tap the respective Alert Settings tab to edit alerts and their delivery preferences. (See Alerts Overview section starting on page 39 for more information.)

Settings: Enabling and Disabling Push Notifications

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Security Secure Message Overview

If you have questions about your accounts or need to speak with someone at BankWest, Secure Messages allows you to communicate directly with a BankWest customer service representative. From the Secure Messages page, you can find replies, old messages or create new conversations.

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Click the Messages tab. A. Click on a message to open it. Messages are displayed on the left side of the screen. B. Messages automatically delete after a certain time. Check the box next to “This message should never expire” to prevent that message from being erased. C. Delete an opened message by clicking the icon or reply by clicking the icon. D. You can delete multiple messages at once. 1. Click the “Delete multiple” link. 2. Check the box next to the corresponding messages or check the box next to “Select All.” 3. Click the “Delete” link and then the Delete button to permanently delete the selected messages.

Settings: Secure Message Overview

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Security Sending a Secure Message

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

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Click the Messages tab. 1. Create a new message by clicking the

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2. Select the recipient from the drop-down. 3. Enter the subject. 4. Enter your message. 5. Click the Send message button when you are finished.

Settings: Sending a Secure Message

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Security Q2 Patrol

Security is more important than ever. Q2 Patrol adds an additional layer of security by monitoring user behavior and device details to identify suspicious login sessions. Should a security concern arise, Q2 Patrol will require further authentication around high-risk non-transactional activities. Q2 Patrol also allows you to view previous login sessions and monitor for possible fraud attempts. You will be prompted to enter an SAC when conducting any high risk activity. For example: • Creating an external transfer • Adding, editing or deleting SAC information • Requesting an address change • Conducting other activities outside your normal usage patterns

Settings: Q2 Patrol

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Transactions Funds Transfer

When you need to make a one-time or recurring transfer between your personal BankWest accounts, you can use the Funds Transfer feature. These transactions go through automatically, so your money is always where you need it to be. Internal transfers (those between BankWest accounts) process in real time. External transfers (those involving accounts outside of BankWest) falling on a Saturday, Sunday or banking holiday will be processed on the following business day.

Note: When making a loan payment from an external account, enter the phrase “extra principal payment” in the memo if you are making an extra principal payment.

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In the Transactions tab, click Funds Transfer . 1. Select the accounts to transfer funds between using the “From” and “To” drop-downs. 2. Enter the amount to transfer. 3. (One-Time Transfer Only) Enter the date to process the transaction.

Transactions: Funds Transfer

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4. If you would like to set up a recurring transfer, follow the steps below. a. Use the drop-down to select a frequency. b. Enter a start date for this transaction using the calendar features. c. Decide if the transfer will repeat forever or have an end date. 5. (Optional) Enter a memo. 6. Click the Transfer Funds button when you are finished.

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

Transactions: Funds Transfer

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Transactions Loan Payments

If you need to make a one-time or recurring loan payment with BankWest or another financial institution, you can use the Loan Payment feature.

Note: To make a loan payment using an external account please use the Funds Transfer feature. Go to page 45 for more information.

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In the Transactions tab, click on Loan Payments . 1. Using the “From” and “To” drop-downs, select the account the funds will be taken from and the account you wish to post the payment. 2. Select your payment type using the “Payment Type” drop-down. 3. Enter the amount of the payment. 4. (One-Time Payment Only) Enter the date to process the transaction.

Transactions: Loan Payments