CEFCU On-Line & CEFCU Bill Pay

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User Guide CEFCU ® On-Line ®

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

St. Louis, MO 63021 www.mcompany.com

© 2009-2021 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.

Getting Started

Welcome to CEFCU On-Line® with CEFCU! Whether at home or at the office, from a mobile phone, tablet or laptop, we strive to make your online banking experience easy and convenient. You can navigate this guide by clicking a topic or feature in the Table of Contents. Each section provides an overview and steps to help you during the CEFCU On-Line® process. If you have additional questions, contact us at 1.800.633.7077.

Table of Contents Getting Started

New User Enrollment....................................................................................................8 Logging Off............................................................................................................................ 10 Retrieving A Forgotten Login ID.................................................................................11 Resetting A Forgotten Password. ..............................................................................12 Home Page Home Page Overview..................................................................................................14 Manual Accounts.........................................................................................................16 Adding a Manual Account. .................................................................................................. 16 Editing a Manual Account.................................................................................................... 17 Deleting a Manual Account................................................................................................. 18 Account Details Overview...........................................................................................19 Quick Transfer. ............................................................................................................21 Account Nickname. .....................................................................................................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 Secure Delivery..................................................................................................................... 27 Mobile Security Preferences......................................................................................28 Enabling Touch ID or Fingerprint Login............................................................................. 28 Enabling Passcode Authentication..................................................................................... 30 Enabling Face ID. .................................................................................................................. 31 Disabling Passcode Authentication, Touch ID, Fingerprint Login, or Face ID. .............. 32 Alerts Overview............................................................................................................33 Account Alerts....................................................................................................................... 34 Online Transaction Alerts.................................................................................................... 35 Security Alerts Overview.............................................................................................36 Editing Delivery Preferences............................................................................................... 36 Enabling and Disabling Push Notifications. .............................................................37 Secure Message Overview. ........................................................................................38 Sending a Secure Message.........................................................................................39

Transaction Types Moving Money Overview............................................................................................40 Transactions Funds Transfer.............................................................................................................42 Loan/Card Payments. .................................................................................................44 Member to Member Transfer ...................................................................................46 Linking Someone’s CEFCU Account.................................................................................... 46 Single Transfers Between CEFCU Accounts. ..................................................................... 47 External Accounts........................................................................................................48 Activity Center Overview. ...........................................................................................50 Using Filters........................................................................................................................... 51 Creating or Deleting Custom Views Using Favorites........................................................ 51 Editing Transactions............................................................................................................. 52 Canceling Transactions........................................................................................................ 53 Integrated Bill Pay Bill Pay Overview . .......................................................................................................54 Creating a Payee................................................................................................................... 54 Editing a Payee...................................................................................................................... 56 Deleting a Payee................................................................................................................... 57 Making a Single Payment. ..........................................................................................58 Paying Multiple Bills....................................................................................................59 Payment Activity..........................................................................................................60 Cancel a Scheduled Payment.....................................................................................61 Advanced Bill Pay Payments Overview. ...................................................................................................62 Hiding or Unhiding Payees from Payment Screen........................................................... 63 Creating a Payee: Overview. ......................................................................................64 Creating a Payee: Company.......................................................................................65 Creating a Payee: Person............................................................................................67 Part 1 of 3: Choosing Payee and Payment Method. ........................................................ 67 Part 2 of 3: Adding Payee Information. ............................................................................. 68 Part 3 of 3: Keyword (Email Only) and One-Time Activation Code................................. 69 Editing a Payee.............................................................................................................70 Deleting a Payee..........................................................................................................71 Scheduling Payments..................................................................................................72 Rush Delivery...............................................................................................................73 Recurring Payments....................................................................................................75 Editing Payments.........................................................................................................76

Skipping Payments......................................................................................................77 Canceling Payments....................................................................................................78 Setting Up eBills...........................................................................................................79 Editing an Account.......................................................................................................80 Deleting an Account....................................................................................................81 Editing Personal Information.....................................................................................82 Editing Alerts................................................................................................................83 Categories. ...................................................................................................................84 Editing a Category. ......................................................................................................85 Deleting a Category.....................................................................................................86 Services Card Management. .....................................................................................................87 Activate New Card................................................................................................................ 87 Temporarily Disable Card.................................................................................................... 88 Card Controls........................................................................................................................ 89 Card Alerts............................................................................................................................. 90 Report Lost or Stolen Card.................................................................................................. 91 Reorder Damaged Card....................................................................................................... 93 Reorder PIN........................................................................................................................... 94 Rewards................................................................................................................................. 95 Automated Fraud Alerts...................................................................................................... 96 CardSwap. ....................................................................................................................97 Getting Started. .................................................................................................................... 97 Overview................................................................................................................................ 99 Biller Direct Overview. ............................................................................................. 100 Adding a Company ........................................................................................................... 101 Scheduling a Payment . .................................................................................................... 103 Sending a Payment Manually . ........................................................................................ 104 Enabling or Disabling Account Notifications ................................................................. 105 Changing a Company’s Payment Method ..................................................................... 106 Unlink a Company ............................................................................................................ 107 Adding or Changing a Payment Method . ...................................................................... 108 Deleting a Payment Method . .......................................................................................... 110 Editing your Notifications ................................................................................................ 111 Checking Services..................................................................................................... 113 Stop Payment: Single Check ............................................................................................ 113 Stop Payment: Multiple Checks ...................................................................................... 114 Stop Payment: ACH........................................................................................................... 115 View an Exisiting Stop Payment....................................................................................... 116 Reordering Checks............................................................................................................ 117 Overdraft Protection......................................................................................................... 118

Updating Contact Information................................................................................ 119 Apply for a Loan. ...................................................................................................... 120 Mobile Check Deposits. ........................................................................................... 122 Online Budgeting Tools Supporting Your Financial Plan. ............................................................................. 123 Online Banking Home Page. ................................................................................... 124 Your First Online Budgeting Tools Session. .......................................................... 125 Linking an Account............................................................................................................ 126 Unlinking an Account........................................................................................................ 127 Categorizing Transactions................................................................................................ 128 Splitting a Transaction...................................................................................................... 129 Report Widgets Net Worth.................................................................................................................. 130 Budget. ...................................................................................................................... 131 Auto-generated Budgets. ................................................................................................. 132 Budgets From Scratch....................................................................................................... 132 Editing or Deleting a Budget............................................................................................ 133 Managing Budgets. ........................................................................................................... 134 Spending.................................................................................................................... 135 Spending: Overview. ......................................................................................................... 135 Spending: Recategorizing a Transaction. ....................................................................... 136 Trends........................................................................................................................ 138 Debts.......................................................................................................................... 139 Settings Account Preferences................................................................................................ 140 Apple Watch.............................................................................................................. 141 Apple® Watch Setup......................................................................................................... 141 Viewing Balances and Transactions................................................................................ 141 Statement Delivery................................................................................................... 142 Themes and Languages........................................................................................... 143 Accessibility............................................................................................................... 144 Locations Branches and ATMs. ................................................................................................ 145

Getting Started

If you’re new to CEFCU On-Line®, you need to complete the enrollment process the first time that you log in. Once you complete these few quick steps, you’ll be on your way to banking everywhere you go! 1. Type www.cefcu.com into your browser and click the “Sign Up” link on the Account Login Box. 2. Fill out the CEFCU On-Line® New Enrollment Account Verification Form with the required information and click the Continue button. New User Enrollment

Note : The details that you provide are verified by comparing them to your contact information in our system. If the information does not match, call us at 1.800.633.7077 to update your profile.

3. A confirmation message appears. Confirm and make note of your login ID. 4. Choose the contact method that allows CEFCU to reach you immediately with a Secure Access Code (SAC). This numbered code is only valid for fifteen minutes, 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. 6. Enter a password, then re-enter it in the Confirm Password field and click the Submit button when you are finished. 7. A view-only profile page appears. Review the information and note any information you would like to change in the future. Click the Continue button.

Note : Information held on this page cannot be changed. If something is incorrect, please contact CEFCU to update your information.

Getting Started: New User Enrollment

8. Choose whether to register your device for future logins. If you click the Register Device button, additional authentication should not be required if you log in via a registered device.

Note : For additional security, we strongly suggest that you do not register your devices.

9. Review Welcome First Time User screen, which presents a PDF link to the CEFCU On-Line® Services Agreement on the Disclaimers page. Click the link to review the agreement and click the I Accept button to agree to the terms and conditions. 10. Congratulations! You have successfully logged in to CEFCU On-Line®! If you have any questions or concerns, call us at 1.800.633.7077.

Note : Clearing your browser history will also clear your device’s registration. You will need to enter a Secure Access Code next time your log in to CEFCU On-Line®.

Getting Started: New User Enrollment

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 will need to request a Secure Access Code (SAC).

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1. Enter your login ID. 2. Click the button. 3. Enter your password. 4. Click the Submit button.

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Logging Off For your security, you should always log off when you finish your CEFCU On-Line® 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: New User Enrollment

Getting Started Retrieving A Forgotten Login ID

If you happen to forget your Login ID, you can easily retrieve it from the CEFCU Mobile app login screen or through the browser https://banking.cefcu.com/.

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1. From the login screen, click on the “Forgot Login ID” link. 2. Enter the required information and click the Continue button. 3. Click the Continue button. 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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Getting Started: Retrieving A Forgotten Login ID

Getting Started Resetting A Forgotten Password

If you happen to forget your password, you can easily reestablish a new one—no need to call us!

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1. From the login screen, enter your login ID and click the 2. Select “Forgot Password?” 3. Enter your login ID and click the Submit button.

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A3 B3 C3 D3 E3 F3 G3 H3 I3 Note : You may not be able to change your password if your account is locked.

Getting Started: Resetting A Forgotten Password

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4. Choose the contact method that allows CEFCU to reach you immediately with a 6-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. A2 B2 C2 D2 E2 F2 G2 H2 I2 A3 B3 C3 D3 E3 F3 G3 H3 I3 10a 1a 2a 3a 4a 5a 6a 7a 8a 9a 10b 1b 2b 3b 4b 5b 6b 7b 8b 9b 10c 1c 2c 3c 4c 5c 6c 7c 8c 9c 10d 1d 2d 3d 4d 5d 6d 7d 8d 9d

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Home Page

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 CEFCU accounts, see your account summaries and more!

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Note : The letters correspond to several available features on the Home page. 11a 12a 13a 14a 15a 16a 17a 18a 19a 20a 11b 12b 13b 14b 15b 16b 17b 18b 19b 20b

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Home Page: Home Page Overview

A. Using the navigation bar you can navigate to Online Banking features by selecting the appropriate drop-down tab. B. Your CEFCU accounts and linked external accounts are displayed in an account tile with its balance. C. If you click an account tile, you are taken to the Account Details page. You can also click the icon on the right side of an account tile, 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 sections by clicking the and icons. 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

Home Page Manual Accounts

This feature is available to consumers. Manual Accounts allows consumers to add manual accounts 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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1. Click the Get Started button. 2. Enter the account information. The fields will vary based upon the “Account type” you select. 3. Click the Save button. 10a 1a 2a 3a 4a 5a 6a 7a 8a 9a 10b 1b 2b 3b 4b 5b 6b 7b 8b 9b 10c 1c 2c 3c 4c 5c 6c 7c 8c 9c 10d 1d 2d 3d 4d 5d 6d 7d 8d 9d

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Home Page: Manual Accounts

Editing a Manual Account

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1. Click the icon and click “Edit account.” 2. Make changes to the account and click the Save button. 3. Click the Done button when you are finished.

Home Page: Manual Accounts

Deleting a Manual Account

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1. Click the

icon and click “Delete account.”

2. Click the Delete button.

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11b 12b 13b 14b 15b

A1 B1 C1 D1 E1 A2 B2 C2 D2 E2 A3 B3 C3 D3 E3

Home Page: Manual Accounts

Home Page Account Details Overview

Selecting a CEFCU account on the Home page takes you to the Account Details page, where you can view transaction history 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

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

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

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

A3 B3 C3 D3 E3 F3 G3 H3 I3

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

17a 18a 19a 20a

17b 18b 19b 20b

G1 H1 I1

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

G2 H2 I2

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

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

G3 H3 I3

Home Page: Account Details Overview A1 B1 C1 D1 E1 F1 G1 H1 I1 A2 B2 C2 D2 E2 F2 G2 H2 I2 J1

A1 B1 C1 D1 E1 F1 G1 H1 I1

A2 B2 C2 D2 E2 F2 G2 H2 I2

A3 B3 C3 D3 E3 F3 G3 H3 I3

A. On the Home page, you can click on an account name to view the Account Details screen. B. The account number and current balance of that account are displayed in the top right corner. C. The icon opens the search bar to find transactions with that account. D. Transactions can be filtered by time, type, amount or check number. Click the icon for more options. E. Make a quick transfer by clicking the icon. (See page 21 for additional details.) F. Export your transactions into a different format by clicking the icon. G. The icon lets you 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 print details about it.

Home Page: Account Details Overview

Home Page Quick Transfer

No need to run to a branch to move money from one account to another! If you’re ever in a rush, the Quick Transfer option provides you with a simple way to do those 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 11b 12b 13b 14b 15b 16b 17b 18b 19b 20b J1 A1 B1 C1 D1 E1 F1 G1 H1 I1 J2 A2 B2 C2 D2 E2 F2 G2 H2 I2 J3 A3 B3 C3 D3 E3 F3 G3 H3 I3 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 c 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 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 11 12 13 14 15 16 17 18 19 20 21 22 23 24 25 26 27 28 29 30 1 3 4 5 6 7 8 9

1. Click the 10 11 12 13 14 15 16 17 18 19 20 21 22 23 24 25 26 27 28 29 30 1 2 3 4 5 6 7 8 9 J K L M N O P Q R S T U V W X Y Z A B C D E F G H I Transfer. 2. Select the “To Account” drop-down and choose an account to receive the funds. 3. Enter an amount to transfer. 4. (Optional) Click the Advanced Options button to be redirected to the Funds Transfer feature. 5. Click the Transfer Funds button when you are finished. 10a 1a 2a 3a 4a 5a 6a 7a 8a 9a 10b 1b 2b 3b 4b 5b 6b 7b 8b 9b 10c 1c 2c 3c 4c 5c 6c 7c 8c 9c 10d 11a 12a 13a 14a 15a 16a 17a 18a 19a 20a 11b 12b 13b 14b 15b 16b 17b 18b 19b 20b 1d 2d 3d 4d 5d 6d 7d 8d 9d J1 A1 B1 C1 D1 E1 F1 G1 H1 I1 J2 A2 B2 C2 D2 E2 F2 G2 H2 I2 10a 1a 2a 3a 4a 5a 6a 7a 8a 9a 10b 1b 2b 3b 4b 5b 6b 7b 8b 9b 10c 1c 2c 3c 4c 5c 6c 7c 8c 9c 0d 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 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 icon on the right side of an account card and select Quick

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

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

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

Home Page: Quick Transfer A2 B2 C2 D2 E2 F2 G2 H2 I2 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

Home Page Account Nickname

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

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

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

J1 11 12 13 14 15 16 21 22 23 24 25 26 1 2 3 4 5 6 K L M N O P U V W X Y Z A B C D E F 11 12 13 14 15 16 17 21 22 23 24 25 26 27 1 2 3 4 5 6 7 K L M N O P Q U V W X Y Z A B C D E F G J2 J3 1a 2a 3a 4a 5a 6a 1b 2b 3b 4b 5b 6b 1c 2c 3c 4c 5c 6c 11a 12a 13a 14a 15a 16a 1a 2a 3a 4a 5a 6a 7a 1b 2b 3b 4b 5b 6b 7b 1c 2c 3c 4c 5c 6c 7c 11b 12b 13b 14b 15b 16b 1d 2d 3d 4d 5d 6d A1 B1 C1 D1 E1 F1 A2 B2 C2 D2 E2 F2 A3 B3 C3 D3 E3 F3 11a 12a 13a 14a 15a 16a 17a 11b 12b 13b 14b 15b 16b 17b 1d 2d 3d 4d 5d 6d 7d A1 B1 C1 D1 E1 F1 G1 A2 B2 C2 D2 E2 F2 G2

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

1. Click the

icon on the right side of an account tile and select Nickname

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

Home Page: Account Nickname

Home Page Account Grouping

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

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

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

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

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

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 1

A3 B3 C3 D3 E3 F3 G3 H3 I3

11b 12b 13b 14b 15b 16b 17b 1

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

Home Page: Account Grouping

Editing a Group Name The names of existing groups can be edited in just two steps.

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

Deleting a Group After a group is made, you can reorganize the Home page by deleting a group without removing those accounts from the Home page. 10a 1a 2a 3a 4a 5a 6a 7a 8a 9a 10b 1b 2b 3b 4b 5b 6b 7b 8b 9b 10c 1c 2c 3c 4c 5c 6c 7c 8c 9c 10d 1d 2d 3d 4d 5d 6d 7d 8d 9d 10a 1a 2a 3a 4a 5a 6a 7a 8a 9a 10b 1b 2b 3b 4b 5b 6b 7b 8b 9b 10c 1c 2c 3c 4c 5c 6c 7c 8c 9c 10d 11a 12a 13a 14a 15a 16a 17a 18a 19a 20a 1d 2d 3d 4d 5d 6d 7d 8d 9d icon to edit your group nickname. 2. Enter a new name and click the checkmark when you are finished. 1. Click the

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

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

A1 B1 C1 D1 E1 F1 G1 H1 I1

A2 B2 C2 D2 E2 F2 G2 H2 I2

A3 B3 C3 D3 E3 F3 G3 H3 I3

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

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

1. Remove all accounts from a group by clicking and holding an account tile, then dragging and dropping it into another group. 2. Click the Yes, delete button to delete the group. 10a 1a 2a 3a 4a 5a 6a 7a 8a 9a 10b 1b 2b 3b 4b 5b 6b 7b 8b 9b 10c 1c 2 3c 4c 5c 6c 7c 8c 9c 10d 11a 12a 13a 14a 15a 16a 17a 18a 19a 20a 1d 2d 3 4d 5d 6d 7d 8d 9d

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

A3 B3 C3 D3 E3 F3 G3 H3 I3

Home Page: Account Grouping

Security

Protecting Your Information Here at CEFCU, we do all that we can to protect your personal information and provide you with a dependable online experience. However, we rely on you to take further precautions to assure the safety of your accounts. By following our tips, CEFCU On-Line® is 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 CEFCU On-Line®. • Monitor your recent account history for unauthorized transactions. • Always log off of CEFCU On-Line® when you’re finished and close the browser. Login ID and Password • Create strong passwords by using a mixture of upper and lowercase letters, numbers and special characters. • Do not create passwords containing your initials or birthday. • Change your passwords regularly. • Memorize your passwords instead of writing them down. • Only register personal devices and avoid using features that save your login IDs and passwords. Fraud Prevention • Do not open email attachments or click on links from unsolicited sources. • Avoid giving out personal information on the phone or through email. • Shred unwanted sensitive documents including receipts, checks, deposit slips, pre-approved credit card offers and expired cards. • Act quickly, if you suspect your financial information is compromised, call us immediately at 1.800.633.7077. • Do not share your Secure Access Code with anyone.

Security: Protecting Your Information

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