CardServices Digital Banking User Guide

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Digital Banking User Guide

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

St. Louis, MO 63021 www.mcompany.com

© 2009-2024 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 information, please refer to the UMB Online Banking Agreement, the Money Manager Terms and Conditions, and the agreements and the disclosures for your accounts and services.

Getting Started

Welcome to Online Banking with CardServices Online Banking! 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 877.253.4098.

Table of Contents Getting Started

New User Enrollment ...................................................................................................6 Logging Off ............................................................................................................................. 8 Resetting A Forgotten Password.................................................................................9 Accounts Page Accounts Page Overview............................................................................................11 Account Overview .......................................................................................................13 Security Protecting Your Information......................................................................................15 General Guidelines .............................................................................................................. 15 User ID and Password......................................................................................................... 15 Fraud Prevention ................................................................................................................. 15 Security Preferences...................................................................................................16 Change Password ................................................................................................................ 16 Change User ID .................................................................................................................... 17 Secure Access Code Delivery.............................................................................................. 18 Mobile Security Preferences......................................................................................19 Enabling Fingerprint or Facial Recognition Login ............................................................ 19 Enabling Passcode Authentication .................................................................................... 21 Enabling Face ID................................................................................................................... 23 Secure Message Overview .........................................................................................24 Sending a Secure Message ........................................................................................26 Payments Payments Overview....................................................................................................27 Pay Credit Card ...........................................................................................................28 One-Time Payment.............................................................................................................. 28 Auto Payment....................................................................................................................... 29 Payment Overview......................................................................................................30 Editing Payments ................................................................................................................. 31 Canceling Payments ............................................................................................................ 32 Add a Personal External Transfer Account ..............................................................33 Micro-Deposits ..................................................................................................................... 34 Verify an External Transfer Account with Micro-Deposits ............................................................................................................35

Manage External Transfer Accounts.........................................................................37 Nickname External Transfer Accounts.............................................................................. 37 Remove External Transfer Accounts ................................................................................. 38 Card Management Card Controls ..............................................................................................................39 Activate Card ........................................................................................................................ 39 Disabling or a Card .............................................................................................................. 40 Enabling a Card .................................................................................................................... 41 Credit Limit Increase............................................................................................................ 42 Replace Card......................................................................................................................... 44 Card Controls ....................................................................................................................... 45 Update PIN............................................................................................................................ 47 Card Alerts ............................................................................................................................ 48 Travel Notifications.....................................................................................................50 Services Account Statements ...................................................................................................52 Text Banking................................................................................................................53 Apple Watch.................................................................................................................55 Apple Watch Setup .............................................................................................................. 55 Viewing Balances and Transactions .................................................................................. 55 Settings Account Preferences ..................................................................................................56 My Profile.....................................................................................................................57 Statement Delivery Preferences ...............................................................................58 Accessibility..................................................................................................................59

Getting Started New User Enrollment

If you’re new to Online Banking with CardServices, 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 cardcenterdirect.com into your browser and click the “New User” link. 2. Fill out the Online Banking Enrollment form and click the Continue button. 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 877.253.4098 to get help and update your profile. 3. A confirmation message appears. You are given a temporary password to use during your first-time login. Memorize the password and click the link to be redirected to log in. 4. Enter your new user ID and click the Log In button. 5. Choose the contact method that allows CardServices 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. 6. Enter the SAC and click the Submit button. 7. Choose whether to register your device for future logins. If you click the Register Device button, you do not have to request an SAC code each time you log in from that device.

Note : For additional security, we strongly suggest that you do not register your devices. Not registering requires you to use an SAC code each time you log in.

Getting Started: New User Enrollment

8. Review and click the I Accept button to agree to the E-SIGN Disclosure and Consent and the CardServices Online Banking Agreement. 9. Change your password by using your old temporary password. 10. Congratulations! You have successfully logged in to Online Banking! If you have any questions or concerns, call us at 877.253.4098.

Getting Started: New User Enrollment

Getting Started Logging In

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

1. Enter your User ID and Password. 2. Click the Log In button.

Note : If you enter an incorrect password too many times, your account will be temporarily locked. Call us at 877.253.4098 for assistance.

Logging Off For your security, you should 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: New User Enrollment

Getting Started Resetting A Forgotten Password

If you happen to forget your password, you can easily reestablish a new one from the Log In page.

1. Click the “Forgot Password?” link. 2. Enter your user 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 device. If your account is locked, please call us at 877.253.4098 for assistance.

Getting Started: Resetting A Forgotten Password

3. Choose the contact method that allows CardServices to reach you immediately with a 6-digit Secure Access Code (SAC). 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.

Getting Started: Resetting A Forgotten Password

Accounts Page Accounts Page Overview

After logging in, you are taken directly to the Accounts page. This page is divided into three convenient sections to help you navigate to each feature within Online Banking. Here you can view the balances in your CardServices accounts, see your account summaries and more!

D E

Note : The letters correspond to several available features on the Accounts page.

Accounts Page: Accounts Page Overview

your accounts. A. The navigation bar appears on the left side of the screen. You can navigate to Online Banking features by selecting the appropriate drop-down tab. B. Your CardServices 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 icon. F. If you click and hold an account card, you can drag and drop it to a new location to change the order in which your accounts appear. Drag cards down to the plus icon to create new groups. G. The Quick Actions links in the top right corner let you quickly access different Online Banking features. E. You can expand or collapse account details by clicking the

Accounts Page: Accounts Page Overview

Accounts Page Account Overview

Selecting a CardServices account on the Accounts page takes you to the account details page, where you can view transactions 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.

C D E F

Accounts Page: Account Overview

A. On the Accounts page, you can click on an account name to view the account details screen. B. The next payment due date and balance of that account 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. Export your transactions into a different format by clicking the icon. F. The icon lets you send a secure message about that account or print a list of transactions. G. The icon indicates how the Date, Description and Amount columns

are sorted.

H. You can view more details about a transaction by clicking on it. I. The icon lets you print details about that transaction.

Accounts Page: Account Overview

Security Protecting Your Information

Here at CardServices, we take a number of steps to protect your personal information and provide you with a dependable online experience. However, we also rely on you to take precautions to protect your account information. General Guidelines • Make sure your operating system and antivirus software are up-to-date. • Use secure wireless (WiFi) networks that require a user ID and password. • Never leave your computer unattended while using Online Banking. • Monitor your recent account history for unauthorized transactions. • Log off Online Banking when you’re finished and close the browser. User ID and Password • Create strong passwords by using a mixture of upper and lowercase letters, numbers and special characters. • Do not create passwords containing your initials or birthday. • Change your passwords periodically. • Memorize your passwords instead of writing them down. • Only register personal devices and avoid using features that save your user 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 877.253.4098.

Security: Protecting Your Information

Security Security Preferences

We take security very seriously at CardServices. 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.

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.

In the Settings tab, click Security Preferences . 1. Click the Change Password button.

2. Enter your old password. 3. Create a new password. 4. Reenter your new password. 5. Click the Change Password button when you are finished making changes. Security: Security Preferences

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

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

Security: Security Preferences

Secure Access Code Delivery CardServices verifies your identity using Secure Access Codes (SACs), which are numbered codes that are sent to you by email, phone or text. Within Security Preferences, you can make changes to your delivery preferences or add new ways we can contact you.

In the Settings tab, click Security Preferences . 1. Click the Secure Access Code 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. Enter your new contact information and click the

icon when you are

finished to save your changes. 4. Add a new delivery contact by clicking either the New Email Address , New Voice Number or New Text Number button at the bottom of the page.

Security: Security Preferences

Security Mobile Security Preferences

Within CardServices’ Online Banking app, you have the ability to set up security preferences that are not available on a desktop computer. These additional preferences make signing into Online Banking quick and easy, but also adds an extra layer of security to your information while you are on the go! Enabling Fingerprint or Facial Recognition Login Fingerprint or facial recognition login are features that have technology that allow you to unlock your iOS or Android device to make payments or authenticate transactions. With these features enabled, you can now easily and securely sign in to your Online Banking using fingerprint or facial recognition login on our mobile app!

iOS

Android

Sign in to CardServices’s Online Banking app and tap the Menu button. In the Settings tab, tap Security Preferences . 1. Toggle the Face/Touch ID or Fingerprint Login switch from “Off” to “On.” 2. Review the information about using fingerprint authentication and tap the Continue button. 3. Enter your user ID and password and tap the Authorize button.

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

Security: Mobile Security Preferences

Touch ID for “CardServices”

4. Scan your fingerprint. a. iOS 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

Enabling Passcode Authentication Create a unique passcode within our Online Banking app to quickly and easily sign in to your Online Banking on the go!

Sign in to CardServices’s Online Banking 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 4-digit passcode using the keypad. 4. Confirm your passcode using the keypad. 5. Enter your user ID and password and tap the Authorize button.

Security: Mobile Security Preferences

Disabling Passcode Authentication, Fingerprint or Facial Recognition 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.

iOS

Android

Sign in to CardServices’s Online Banking 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

Enabling Face ID Face ID is a feature which utilizes facial recognition technology allowing you to unlock your iOS device using your face instead of a user ID and password.

Open CardServices’s Mobile app and tap the Face ID button. 1. Review the information about using Face ID and tap the Enroll Now button. 2. Enter your user ID and password and tap the Authorize button. 3. Face ID is now set up. During your next login, tap the Face ID button to log in using Face ID.

Note : You must have Face ID enabled on your mobile device before enabling it through our Online Banking Mobile app.

Security: Mobile Security Preferences

Security Secure Message Overview

If you have questions about your accounts or need to speak with someone at CardServices, Secure Messages allow you to communicate directly with a CardServices customer service representative. From the Secure Messages page, you can find replies, old messages or create new conversations. When you receive a secure message, the alert is turned on by default.

D3 Click the Secure 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.

Note : If you think your statement or any account or transaction information reflected in Online Banking is wrong, or if you need more information about a listed transfer you should contact CardServices immediately at 877.253.4098. You may send us a message through the Secure Message Center, but that is not the fastest way of contacting us.

Security: Secure Message Overview

D. Deleting messages

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 permatently delete the selected messages.

Security: Secure Message Overview

Security Sending a Secure Message

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

2 3 4

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

icon in the top right corner.

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.

Security: Sending a Secure Message

Payments Payments Overview

To make a payment on your CardServices account, there are various features that help you transfer funds in different ways. • Pay Credit Card : Make a one-time payment to your card or set up auto payments.

• External Transfer after adding and verifying external accounts : Move money after linking your external accounts.

Note : See the CardServices Online Banking Agreement for important information about limitations and cutoff times for payments and transfers.

Payments: Payments Overview

Payments Pay Credit Card

Make a one-time payment to your card or set up auto payments.

One-Time Payment

In the Payments and Transfers tab, click on Pay Credit Card . 1. Using the “To” and “From” drop-downs, select the account the funds will be taken from and the account you wish to post the payment.

2. Use the drop-down to select a payment type. 3. Enter the date to process the transaction. 4. Click the Make Payment button.

Payments: Pay Credit Card

Auto Payment

In the Payments and Transfers tab, click on Pay Credit Card . 1. Click the Autopay tab. 2. Using the “To” and “Account” drop-downs, select the account the funds will be taken from and the account you wish to post the payment. 3. Use the drop-down to select a payment type. 4. Click the Submit Autopay button.

Payments: Pay Credit Card

Payments Payment Overview

Transactions initiated through Online Banking or through our app appear in Payment Activity.

In the Payments and Transfers tab, click Pay Credit Card and then click the Payment Activity tab. A. Export your transactions into a different format by clicking the icon. B. Click on a transaction or select “Toggle Details” from the menu to view more details.

Payments: Payment Overview

Editing Payments Payment Activity only shows pending transactions initiated within online banking that have not yet posted to your account.

In the Payments and Transfers tab, click Pay Credit Card and then click the Payment Activity tab. 1. Browse through your pending transactions and locate the transaction you would like to edit. 2. Click the icon and click “Edit.” 3. Make the necessary edits and then click the Transfer Funds button when you are finished.

Payments: Payment Overview

Canceling Payments You can also cancel authorized transactions up until their process date.

In the Payments and Transfers tab, click Online Activity . 1. Browse through your pending transactions and locate the transaction you would like to cancel. 2. Click the icon and click “Cancel.” 3. Click the Confirm button when you are finished. The status then changes to “Canceled” on the Payment page.

Payments: Payment Overview

Payments Add a Personal External Transfer Account Your private accounts at other financial institutions can be linked to Online Banking with CardServices, so you can transfer money between two financial institutions without ever leaving home! There are two simple ways to add an external account. Instant Verification: If available at your External Transfer financial institution, you can link your account instantly through our Plaid integration. Micro-Deposits: You will be asked to verify your ownership of the account by confirming two small deposits CardServices makes into the external account.

Instant Verification

In the Payments and Transfers tab, click Add External Accounts . 1. Click the Link via Instant Verification button. 2. Enter the necessary information to add your external account. 3. Accounts verified with credentials through Plaid will now appear under the external accounts section. Click the Continue button.

Payments: Add a Personal External Transfer Account

Micro-Deposits

In the Payments and Transfers tab, click Add External Accounts . 1. Click the Link via Manual Verification button.

2. Enter your routing number. 3. Enter your account number. 4. Select you account type. 5. Click the Submit button.

Note: In two to three business days, two micro-deposits will appear in your external account. Once you receive the deposits, go to the Manage External Account tab to add the account.

Payments: Add a Personal External Transfer Account

Payments Verify an External Transfer Account with Micro-Deposits As soon as CardServices makes two small deposits of less than a dollar into your external account, you are asked to verify those amounts within Online Banking. Once they are confirmed, you can begin transferring money to the outside account.

In the Payments and Transfers tab, click Add External Accounts . 1. Click the “Verify” link on the account card you would like to verify.

Payments: Verify an External Transfer Account with Micro-Deposits

2. Enter the amounts of the two micro-deposits made into your external account and click the Submit button.

3. Select how you wish to receive a security code. 4. Enter the security code and click the Verify button. 5. Click the Close button.

Payments: Verify an External Transfer Account with Micro-Deposits

Payments Manage External Transfer Accounts

Once added you can edit an account to give it a nickname or remove it if it is no longer needed. Nickname External Transfer Accounts

In the Payments and Transfers tab, click Add External Accounts . 1. Click the “Edit” link on the account card you would like to nickname. 2. Enter a nickname and click the Edit Account button.

Payments: Manage External Transfer Accounts

Remove External Transfer Accounts

In the Payments and Transfers tab, click Add External Accounts . 1. Click the “Remove” link on the account card you would like to remove. 2. Click the Continue button. 3. Click the Close button.

Payments: Manage External Transfer Accounts

Card Management Card Controls

Card services allow you to enable or disable your card, report as lost or stolen, and more. Activate Card Easily activate a new card.

In Card Management , click Card Controls . 1. Click a card to activate it. 2. Click the Activate button. 3. Click the Close button.