Citizens National Bank Online and Mobile Banking Guide
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ONLINE & MOBILE BANKING GUIDE Citizens National Bank
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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
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 Citizens National Bank! 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 865-429-7521.
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Table of Contents Getting Started
New User Enrollment ...................................................................................................7 Logging In.......................................................................................................................8 Logging Off ............................................................................................................................. 8 Resetting a Forgotten Password .................................................................................9 Dashboard Dashboard Overview..................................................................................................10 Organize Dashboard ..................................................................................................12 Accounts Overview .....................................................................................................13 Account Details ...........................................................................................................14 Account Settings .........................................................................................................16 Download Transactions .............................................................................................17 Transaction Details .....................................................................................................18 Security Protecting Your Information......................................................................................19 General Guidelines .............................................................................................................. 19 Login ID and Password........................................................................................................ 19 Fraud Prevention ................................................................................................................. 19 Change Username ......................................................................................................20 Change Password .......................................................................................................21 Connected Apps (Desktop Only) ...............................................................................22 Passkeys .......................................................................................................................24 Built in Biometrics................................................................................................................ 25 Mobile Phone or Tablet....................................................................................................... 26 Security Key with Fingerprint Scanner or PIN .................................................................. 26 Removing a Passkey ............................................................................................................ 27 Two-Factor Authentication ........................................................................................28 Passkey.................................................................................................................................. 28 Voice or Text Message......................................................................................................... 29 Authenticator App................................................................................................................ 30 Security Key .......................................................................................................................... 31 Logging in with Security Key............................................................................................... 32 Setting a Primary Verification Method .............................................................................. 33 Remove Authentication....................................................................................................... 34 Alerts Alerts Overview ...........................................................................................................35 Balance Alerts....................................................................................................................... 35 Transaction Alerts................................................................................................................ 36
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Card Management Alerts...........................................................................................37 Locking or Unlocking a Card............................................................................................... 38 Manage Notification Settings ............................................................................................. 39 Locations............................................................................................................................... 40 Merchant Types.................................................................................................................... 41 Transaction Controls ........................................................................................................... 43 Spending Controls ............................................................................................................... 45 Report Lost/Stolen Card...................................................................................................... 47 Editing or Deleting Alerts ...........................................................................................48 User Alerts ...................................................................................................................49 Transactions Transfers ......................................................................................................................50 Adding an External Account ............................................................................................... 51 Confirming an External Account ........................................................................................ 52 Removing an External Account .......................................................................................... 53 Making a Transfer ................................................................................................................ 54 Making a Loan Transfer ...................................................................................................... 55 Editing Transfers .................................................................................................................. 56 Deleting Transfers ............................................................................................................... 57 Payments Bill pay Overview.........................................................................................................58 Adding a Payee............................................................................................................59 Adding a Person................................................................................................................... 59 Adding a Company .............................................................................................................. 61 Editing a Payee ..................................................................................................................... 62 Deleting a Payee .................................................................................................................. 63 Payees ..........................................................................................................................64 Adding a Bill.......................................................................................................................... 64 Making a Single Payment...........................................................................................66 Paying a Bill........................................................................................................................... 66 Paying a Person.................................................................................................................... 68 Making Multiple Payments ........................................................................................70 Paying Multiple Bills............................................................................................................. 70 Paying Multiple People........................................................................................................ 72 Payment Activity..........................................................................................................74 Editing a Scheduled Payment ............................................................................................ 74 Deleting a Scheduled Payment ......................................................................................... 76
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Services Stop Payment Request...............................................................................................78 Single Check ......................................................................................................................... 78 Multiple Checks ................................................................................................................... 80 Electronic Documents ................................................................................................82 Documents Enrollment ....................................................................................................... 82 Viewing Electronic Statements........................................................................................... 83 Documents Unenrollment .................................................................................................. 84 Electronic Documents for Credit Card Holders.......................................................85 Documents Enrollment ....................................................................................................... 85 Viewing eStatements/Notices............................................................................................. 86 Changing Enrolled Accounts............................................................................................... 87 Adding Additional Recipients ............................................................................................. 88 Email Settings ....................................................................................................................... 89 Deposit Checks............................................................................................................90 Enrollment ............................................................................................................................ 90 Depositing a Check .............................................................................................................. 91 Conversation Overview ..............................................................................................93 Starting a Conversation..............................................................................................94 Settings Profile ...........................................................................................................................95 Travel Notices..............................................................................................................96
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Getting Started New User Enrollment
If you’re new to Online Banking with Citizens National Bank, 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!
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1. Click the Log In button. 2. Click the “First time user? Enroll now” link. 3. Fill out the New User Enrollment Form with the required information, and click the Next button. 4. Protect your account with 2-step verification. Click the Get Started button.
5. Enter your phone number and click the Next button 6. Choose your verification method: voice or text message. 7. Enter your verification code and click the Verify button. 8. You’re all set! Click the Done button.
Note : You will be prompted to read and accept Citizens National Bank Online Banking disclosure prior to creating your username and password.
Getting Started: New User Enrollment
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Getting Started Logging In
After your first-time enrollment, logging in is easy and only requires your username and password. If you are logging in on a device you have not previously registered, you need to request a two-factor authentication (2FA) code.
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1. Click the Log In button. 2. Enter your username and click the Continue button. 3. Enter your password and click the Sign in button.
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 your name in the lower left corner of the screen. 2. Click the Sign out tab. 3. Close your internet browser.
Getting Started: Logging In
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Getting Started Resetting a Forgotten Password
If you happen to forget your password, you can easily reestablish a new one from the Citizens National Bank Home page—no need to call us!
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1. Click the “Forgot?” link. 2. Enter your username. 3. Enter your email address. 4. Click the Next button.
5. (Optional) If you don’t remember your username or email click the “Try another way” link and enter your social security number and account number. 6. After successfully completing the two-factor authentication, you will be able to create a new password and log in.
Getting Started: Resetting a Forgotten Password
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Dashboard Dashboard Overview
After logging in, you are taken directly to the dashboard. From here, you can navigate to every feature within Online Banking. You can view the balances in your accounts, see your account summaries and more!
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Note : The letters correspond to several available features on the dashboard.
Dashboard: Dashboard Overview
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A. The navigation bar appears in every view on the left side of the screen. You can navigate to Online Banking features by selecting the appropriate drop-down tab. B. Your accounts are displayed in an account card with its balance. If you click an account card, you are taken to the Account Details page. C. The icon allows you to open a new CNB account, organize your accounts, change the account card view, organize your dashboard or link an account to view balances and transactions for accounts from another financial institution. D. Links let you quickly access different Online Banking features. E. Customizable cards appear on the dashboard, so you can easily access the features most important to you.
Dashboard: Dashboard Overview
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Dashboard Organize Dashboard
Reorder and add new cards to customize your dashboard.
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Click the Organize dashboard button at the bottom of the dashboard. A. Click and drag a feature card to reorder them. B. Click the icon to delete a feature card. C. Click the “+ Add a card” link to add a new card. D. Click the “Done” link when you are finished to return to your dashboard.
Dashboard: Organize Dashboard
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Dashboard Accounts Overview
The accounts tab lists all of your available accounts.
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Click the Accounts tab. A. Use the
icon to search your accounts. B. Click the Organize accounts button to reorder your accounts. C. The total balance of all your accounts is displayed in the top right corner. D. Click on an account to view recent transactions.
Dashboard: Accounts Overview
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Dashboard Account Details
Selecting a Citizens National Bank account on the dashboard 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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Dashboard: Account Details
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A. Download your transactions into a different format by clicking the
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See page 17 for more information. B. Print a list of your transactions by clicking the
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icon opens the search bar to sort and find transactions within that
account. D. The Transfers button allows you to transfer money between your accounts. See page 50 for more details. E. The Documents button allows you to enroll in digital statements. See page 82 for more information. F. The Stop payments button allows you to stop a pending check payment. See page 78 for more information. G. The Alert preferences button allows you to create alerts for that account. See page 35 for more information. H. The Settings button allows you to edit the display options for that account. See page 16 for more information. I. Click the Attach to a conversation button to send Citizens National Bank a message about the account. Go to page 93 for more information. J. You can view more details about a transaction by clicking on it. K. Additional details about the account are displayed in the lower right corner.
Dashboard: Account Details
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Dashboard Account Settings
Change an account’s name, display options, or create alerts.
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In the Accounts tab, select an account. 1. Click the Settings button. 2. Click the “Rename” link to rename the account.
3. Use the toggles to change the account’s display options. 4. For more information about creating alerts, go to page 35.
Dashboard: Account Settings
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Dashboard Download Transactions
Easily download a list of transactions.
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In the Accounts tab, select an account. 1. Click the icon. 2. Select a date range. 3. Select a file type. 4. Click the Download button.
Dashboard: Download Transactions
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Dashboard Transaction Details
View additional details about each transaction. You can also add tags, notes, and images to each transaction.
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In the Accounts tab, select an account. 1. Click a transaction.
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A. Click the “Add tags” link to categorize a transaction. B. Click the “Add notes” link to add a note to a transaction. C. Click the icon to add an image to a transaction. D. Click the “Attach to a conversation” link to start a conversation about that transaction. Note : Adding a tag makes transactions easier to search. Adding an image is a great way to organize receipts. Try this feature using Citizens National Bank’s mobile app.
Dashboard: Transaction Details
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Security Protecting Your Information
Here at Citizens National Bank, we work hard 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 your banking needs. General Guidelines • Make sure your operating system and antivirus software are up to date. • Always use secure wireless (WiFi) networks that require a login ID and password. • Never leave your computer unattended while using Online Banking. • Monitor your recent account history for unauthorized transactions. • Always log off Online Banking when you’re finished and close the browser. Login ID and Password • Create strong passwords by using a mixture of uppercase and lowercase letters, numbers and special characters. • Do not create passwords containing your initials or birthday. • Change your passwords periodically. • Memorize your passwords instead of writing them down. • Only register personal devices, and avoid using features that save your login IDs and passwords. Fraud Prevention • Do not open email attachments or click on links from unsolicited sources. • Avoid giving out personal information on the phone or through email. • Shred unwanted sensitive documents including receipts, checks, deposit slips, pre-approved credit card offers and expired cards. • Act quickly. If you suspect your financial information is compromised, call us immediately at 865-429-7521.
Security: Protecting Your Information
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Security Change Username
You can change your username at any time. Create a unique username you will remember and follows our required guidelines.
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Click your name in the lower left corner of the screen, then click Account Settings . 1. Click the Security tab. 2. Click the “Edit” link next to your username. 3. Verify your identity using your primary verification method. 4. Enter your new username. 5. Click the “Show rules” link to view Citizens National Bank’s username requirements. 6. Click the Save button when you are finished making changes.
Security: Change Username
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Security Change Password
You can change your Online Banking password whenever you want to. Follow our guidelines to create a strong password.
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7 Click your name in the lower left corner of the screen, then click Account Settings . 1. Click the Security tab. 2. Click the “Edit” link next to your password. 3. Verify your identity using your primary verification method. 4. Enter your current password. 5. (Optional) Click the “Show rules” link to view Citizens National Bank’s password requirements. 6. Enter and confirm a new password. 7. Click the Save button when you are finished making changes.
Security: Change Password
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Security Connected Apps (Desktop Only)
Edit the external app and website permisions that can access your account.
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Click your name in the lower left corner of the screen, then click Account Settings .
1. Click the Security tab. 2. Click the “Manage” link.
Security: Connected Apps (Desktop Only)
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Security Direct Connect (Desktop Only)
Approve connection requests for Intuit desktop products or Quicken.
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Click your name in the lower left corner of the screen, then click Account Settings .
1. Click the Security tab. 2. Click the “Manage” link.
Security: Connected Apps (Desktop Only)
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Security Passkeys
A passkey is a digital key, stored on your device, that replaces traditional passwords and two factor authentication methods. Passkeys allow you to sign in to websites using your face, fingerprint or screen PIN.
Note: If you have not completed a high-risk action with in the last five minutes you may be asked to verify your identity using your preferred verification method throughout the passkey creation or removal process.
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Click your name in the lower left corner of the screen, then click Account Settings. 1. Click the Security tab. 2. Click the “Add passkey” link.
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3. Select a passkey type. • Built-in biometrics: Use your current device’s facial recognition or fingerprint scanner to sign in. • Mobile phone or tablet: Sign in using your mobile phone or tablet by scanning a QR code.(Bluetooth may be required for this option.) • Security key with fingerprint scanner or PIN: Use a special physical security key that also includes a fingerprint sensor or 2nd password.
Built in Biometrics
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1. You will be prompted to save the passkey in a recognized password manager. A password manager is a secure digital vault that stores and remembers your login details for you. 2. Follow the on screen steps. The steps will vary depending on your device.
Security: Passkeys
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Mobile Phone or Tablet
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1. Scan the QR code with your device. You can either open use your device’s camera application or use the QR code option with in an authenticator app. Options will vary depend on your device.
Security Key with Fingerprint Scanner or PIN 1. Insert your security key and follow the on screen steps. The steps will vary depending on your device.
Security: Passkeys
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Removing a Passkey
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Security: Passkeys
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Security Two-Factor Authentication
Two-factor authentication (2FA) is a security process where a user provides two distinct forms of identification to access an account.
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Click your name in the lower left corner of the screen, then click Account Settings . 1. Click the Security tab. 2. Click the “Edit settings” link below 2-step verification.
Passkey For more information about passkeys go to page 24.
Security: Two-Factor Authentication
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Voice or Text Message Verification codes are sent to your phone. Message and data rates may apply.
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1. Click the “Set up” link. 2. Verify your identity using your primary verification method. 3. Enter the phone number and click the Next button. 4. Select how you would like to recieve the verification codes and click the Send code button. 5. Enter your verification code and click the Verify button. 6. Click the Done button.
Security: Two-Factor Authentication
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Authenticator App Use an authenticator app to generate a unique verification code. Any app that supports manual code entry can be used.
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1. Click the “Set up” link. 2. Verify your identity using your primary verification method.
3. Enter a nickname for the authenticator app and click the Next button. 4. Download a free authenticator app, add a new account and scan the QR code to set up your account. 5. Enter the verification code and click the Verify button. 6. Click the Done button.
Security: Two-Factor Authentication
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Security Key Use a hardware token for authentication.
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1. Click the “Set up” link. 2. Verify your identity using your primary verification method. 3. Enter a name for your security key and click the Next button. 4. Follow the on screen steps. The steps will vary depending on your device.
Security: Two-Factor Authentication
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Logging in with Security Key When loggin in you will be prompted to complete 2FA using your security key.
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1. Insert your security key into the usb portal on your computer and click the Verify button.
Note : If you click the Verify button before your security key is inserted it will say “ cannot read security key.” Make sure the key is inserted the correct way, it may need to be flipped if it isn’t being read properly.
2. Place and hold your finger on the security key for about three seconds to verify your identity.
Security: Two-Factor Authentication
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Setting a Primary Verification Method
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1. Click the “Set as Primary” link to set a number as the primary verification method. 2. Verify your identity using your primary verification method.
Security: Two-Factor Authentication
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Remove Authentication
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1. Click the “Remove” link to remove a verification method. 2. Verify your identity using your primary verification method. 3. Click the Remove button.
Security: Two-Factor Authentication
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Alerts Alerts Overview
Stay on top of the transactions flowing to and from your accounts. 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. Balance Alerts There should be no surprises when it comes to your finances. Balance Alerts can notify you when the balances in your accounts go below or above a set amount.
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In the Accounts tab, select an account. 1. Click the Alert preferences button. 2. Click the Balances, transactions, and deposits button. 3. Click the “+ Add alert” link. 4. Create an alert. 5. Check the boxes to select a notification method. 6. (Optional) Click the “Need to update your contact information?” link to update your contact information. 7. Click the Add alert button.
Alerts: Alerts Overview
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Transaction Alerts Different types of transactions can occur in your accounts. By creating Transaction Alerts, you can be notified when various transfers, payments or debits post to your account.
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In the Accounts tab, select an account. 1. Click the Alert preferences button. 2. Click the Balances, transactions, and deposits button.
3. Click the Transaction tab. 4. Click the “+ Add alert” link. 5. Create an alert. 6. Check the boxes to select a notification method. 7. (Optional) Click the “Need to update your contact information?” link to update your contact information. 8. Click the Add alert button.
Alerts: Alerts Overview
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Alerts Card Management Alerts
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In the Accounts tab, select an account. 1. Click the Alert preferences button. 2. Click the Balances, transactions, and deposits button. 3. Click the Card Management tab. 4. Select a card.
Alerts: Card Management Alerts
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Locking or Unlocking a Card You can easily lock or unlock any of your cards.
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1. Click the toggle to lock or unlock the card. 2. If locking the card, click the Lock card button.
Alerts: Card Management Alerts
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Manage Notification Settings
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5 1. Click the Alerts and protection button. 2. Click the “Manage” link 3. Select how you want to be notified when a transaction is blocked. 4. Select how you want to be notified when a transaction has been processed. 5. Click the Save button. 6. Alerts: Card Management Alerts Click the toggle to enable alerts for every transaction.
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Locations Restrict the use of your card internationally.
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1. Click the Alerts and protection button. 2. Click the Locations button. 3. Check the box to block international transactions. 4. Check the box to send a notification when international transactions are made. 5. Click the Save button.
Alerts: Card Management Alerts
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Merchant Types You can specify which merchants your card can be used to make purchases.
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1. Click the Alerts and protection button. 2. Click the Merchant types button.
Alerts: Card Management Alerts
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3. Choose which merchant types to block. 4. Choose which merchant types to send an alert for. 5. Click the Save button.
Alerts: Card Management Alerts
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Transaction Controls You can specify transaction categories to choose what purchases your card can make. You can also disable transactions such as ATM withdrawals or in-store purchases.
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1. Click the Alerts and protection button. 2. Click the Transaction types button.
Alerts: Card Management Alerts
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3. Choose which transaction types to block. 4. Choose which transaction types to send an alert for. 5. Click the Save button.
Alerts: Card Management Alerts
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Spending Controls You can limit spending amounts per transaction or per month.
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1. Click the Alerts and protection button. 2. Click the Spending limits button.
Alerts: Card Management Alerts
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3. Check the box and enter an amount to enable a spending limit or alert. 4. Click the Save button.
Alerts: Card Management Alerts
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Report Lost/Stolen Card When your card is missing you can report it lost or stolen. This will deactivate your card. Any one-time or recurring transactions will be blocked.
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Alerts: Card Management Alerts
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Alerts Editing or Deleting Alerts
Quickly and easily edit or delete existing alerts.
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In the Accounts tab, select an account. 1. Click the Alert preferences button. 2. Click the Balances, transactions, and deposits button. 3. Click the “Edit” link next to the alert you would like to edit or delete. 4. To edit an alert: a. Make the necessary changes. b. Click the Save button. 5. To delete an alert: a. Click the icon.
Alerts: Editing or Deleting Alerts
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Alerts User Alerts
Edit how common user alerts are delivered.
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Click your name in the lower left corner of the screen, then click Account Settings . 1. Click the Alerts button. 2. Click an alert to make changes. 3. Use the toggles to select how you would like to receive the alert. 4. Click the Save button when you are finished.
Alerts: User Alerts
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Transactions Transfers
Use the Transfers feature when you need make a one-time or recurring transfer between your Citizens National Bank or external accounts. These transactions go through automatically, so your money is always where you need it to be.
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Click the Transfers tab . A. Click the + External account button to add an external account. B. Click the Make a transfer button to make a transfer. C. Scheduled transfers are displayed as a list and on a calendar. D. Click the External accounts tab to view your external accounts.
Transactions: Transfers
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Adding an External Account Your accounts at other financial institutions can be linked to Online Banking with Citizens National Bank, so you can transfer money between two financial institutions without ever leaving home! When you go to add another account, you are asked to verify your ownership of that account by confirming two small deposits Citizens National Bank makes into the external account.
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Click the Transfers tab . 1. Click the + External account button to add an external account. 2. High risk transactions, such as adding an external account, require you to confirm your password. 3. Enter the account name. 4. Enter the financial institution’s routing number. These numbers are located at the bottom of a paper check or deposit slip from your checkbook. 5. Enter the account number. 6. Select the type of account using the “Account Type” drop-down. 7. Click the Submit button. In one to three business days, two small deposits will appear in your external account. Once you receive the deposits, you will need to confirm the deposits.
Transactions: Transfers
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Confirming an External Account As soon as Citizens National Bank 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 external account.
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Click your name in the lower left corner of the screen, then click Account Settings . 1. Click the External Transfers tab. 2. Select the account you would like to verify. 3. Enter the amounts of the two micro-deposits made into your external account. 4. Click the Confirm button when you are finished. 5. Your can now make transfers to and from your account. Transactions: Transfers
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Removing an External Account You can easily remove an external account if it is no longer needed. Any scheduled transfers involving the account will be deleted.
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Click your name in the lower left corner of the screen, then click Account Settings . 1. Click the External Transfers tab. 2. Click the “Remove account” link. 3. Click the Remove button to remove the external account.
Transactions: Transfers
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Making a Transfer
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Click the Transfers tab . 1. Click the Make a transfer button. 2. Select the accounts to transfer funds between using the “From” and “To” drop-downs. 3. Enter the amount to transfer. 4. (Optional) Click the “More options” link to view additional options. 5. Use the drop-down to select a frequency. 6. Use the calendar feature to select a date. 7. Click the Submit button when you are finished. 8. Once you receive a confirmation message, click the Done button.
Transactions: Transfers
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Making a Loan Transfer
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Click the Transfers tab . 1. Click the Make a transfer button. 2. Select the accounts to transfer funds between using the “From” and “To” drop-downs. 3. Enter the amount to transfer. 4. (Optional) Click the “More options” link to view additional options. a. Use the drop-down to select a payment type. b. Use the drop-down to select a frequency. c. Use the calendar feature to select a date. d. Enter a memo. 5. Click the Submit button when you are finished. 6. Once you receive a confirmation message, click the Done button.
Transactions: Transfers
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Editing Transfers You can edit pending transactions up until their process date.
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Click the Transfers tab . 1. Browse through your pending transactions and locate the transaction you would like to edit. 2. Make the necessary edits and then click the Save button when you are finished. 3. Once you receive a confirmation message, click the Done button.
Transactions: Transfers
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Deleting Transfers You can delete pending transactions up until their process date.
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Click the Transfers tab . 1. Browse through your pending transactions and locate the transaction you would like to delete. 2. Click the icon. 3. Click the Delete button. 4. Click the OK button.
Transactions: Transfers
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Payments Bill pay Overview
Sending payments to companies and individuals has never been easier! Bill pay with Citizens National Bank helps you stay on top of your bills, allowing you to quickly manage your payments and never miss a due date.
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Click the Bill pay tab . A. Click the + New payee button to add a payee.
B. Click the Pay a bill or Pay a person buttons to make a payment. C. Scheduled payments are displayed as a list and on a calendar. D. Click the Payees tab to view your payees.
Payments: Bill pay Overview
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Payments Adding a Payee
Adding a Person
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Click the Bill pay tab . 1. Click the + New Payee button and select “Person.” 2. Select a payment method. 3. Enter the person’s first and last name.
4. (Optional) Enter a nickname. 5. Enter their phone number. 6. Enter the required payment information. This information will vary depending upon the payment method selected in Step 2. 7. Click the Submit button.
Payments: Adding a Payee
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8. Confirm your password. 9. Click the “I’m done” link.
Note : If a keyword is used, the keyword will need to be shared with the payee immediately. As soon as they activate their account, you can send them payments.
Payments: Adding a Payee
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Adding a Company
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Click the Bill pay tab . 1. Click the + New Payee button and select “Company.” 2. Enter the payee name.
3. (Optional) Enter a nickname. 4. Enter their phone number. 5. Enter their account number. 6. (Optional) Enter the name on the bill. 7. Enter the address.
8. Click the Submit button. 9. Confirm your password. 10. Click the “I’m done” link.
Payments: Adding a Payee
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Editing a Payee You can make changes to an existing payee at any time. This is especially beneficial if a payee’s account number or contact information changes.
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Click the Bill pay tab . 1. Click the Payees tab. 2. Click the payee you wish to edit. 3. Click the “Edit” link. 4. Confirm your password. 5. Make the necessary changes and click the Submit button.
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Deleting a Payee If you no longer need a payee and wish to remove them from Bill pay, you can do so from the Bill pay page.
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Click the Bill pay tab . 1. Click the Payees tab. 2. Click the payee you wish to edit. 3. Click the “Edit” link. 4. Confirm your password. 5. Click the icon. 6. Click the Delete button. 7. Click the OK button.
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Payments Payees
Using Bill pay can save you time with payee profiles for the companies or people you pay regular bills to. Whether it’s a one-time payment or a frequent occurrence, managing your payees lets you pay your bills on time in just a few clicks. Adding a Bill
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Click the Bill pay tab . 1. Click the Pay a bill button. 2. Click the “+ Add another bill” link 3. Enter the payee name. 4. (Optional) Enter a nickname. 5. Enter their phone number. 6. Enter their account number. 7. (Optional) Enter the name on the bill.
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8. Enter the address. 9. Click the Submit button. 10. Confirm your password. 11. Click the “I’m done” link when you are finished.
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Payments Making a Single Payment
After creating a payee, you can begin paying your bills online without the hassle of cash or checks. You can effortlessly pay a single bill or schedule payments for the future, so you never miss a deadline. Paying a Bill
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Click the Bill pay tab . 1. Click the Pay a bill button. 2. Select a bill. 3. Enter an amount. 4. (Optional) Click the “More options” link. 5. (Optional) For recurring payments, choose a frequency.
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9. (Optional) Enter a note. 10. Click the Submit button. 11. Click the Done button.
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Paying a Person
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Click the Bill pay tab . 1. Click the Pay a person button.
2. Select a person. 3. Enter an amount. 4. (Optional) Click the “More options” link.
5. (Optional) For recurring payments, choose a frequency.
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6. (Optional) Select a day to start sending payments and click the Confirm button. 7. (Optional) Select a start date and click the Confirm button. 8. (Optional) Select when a payment will end. If necessary, enter an end on date or number of payments.
9. (Optional) Enter a note. 10. Click the Submit button. 11. Click the Done button.
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Payments Making Multiple Payments
You can schedule different payments for multiple payees at the same time, so you can pay all your bills at once! Paying Multiple Bills
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Click the Bill pay tab . 1. Click the Pay a bill button. 2. Click the Multiple tab. 3. Select multiple bills. 4. Choose an account to send funds from for each bill. 5. Enter a send on date for each bill. 6. Enter an amount for each bill. 7. Click the Review and pay button.
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8. Review the payments and click the Submit payments button. 9. Click the Done button.
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Paying Multiple People
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Click the Bill pay tab . 1. Click the Pay a person button.
2. Click the Multiple tab. 3. Select multiple people. 4. Choose an account to send funds from for each person. 5. Enter a send on date for each person.
6. Enter an amount for each person. 7. Click the Review and pay button.
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8. Review the payments and click the Submit payments button. 9. Click the Done button.
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Payments Payment Activity
You can cancel a scheduled payment if it has not cleared your account and is still pending. All scheduled and processed transactions are listed. Editing a Scheduled Payment You can change a payment even after you schedule it. This convenient feature gives you the freedom to change the way you make your payments.
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Click the Bill pay tab . 1. Select a scheduled payment.
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2. Click the “Edit” link. 3. Make the necessary changes and click the Save button. 4. Click the Done button.
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Deleting a Scheduled Payment You can cancel a payment even after you schedule it. This convenient feature gives you the freedom to change the way you make your payments.
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Click the Bill pay tab . 1. Click a scheduled payment. 2. Click the “Edit” link. 3. Click the icon.
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4. Click the Yes button. 5. Click the Ok button.
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Services Stop Payment Request
Single Check If you’re ever worried about a pending written check, you can initiate a stop payment request to prevent that check from being processed. If you need the current fee information, please call us during our business hours at 865-429-7568.
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In the Accounts tab, select an account. 1. Click the Stop payments button. 2. Click the “+ Add another stop payment” link. 3. Select “A single check.”
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4. Enter the check number. 5. Use the calendar to select a check date. 6. Enter the payee. 7. (Optional) Enter the amount. 8. (Optional) Select a reason for the stop payment. 9. Click the Submit button. 10. Review the stop payment request and click the Confirm button. 11. Click the OK button.
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Multiple Checks If you’re ever worried about multiple pending written checks, you can initiate a stop payment request to prevent the checks from being processed. If you need the current fee information, please call us during our business hours at 865-429-7521.
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In the Accounts tab, select an account. 1. Click the Stop payments button. 2. Click the “+ Add another stop payment” link. 3. Select “A range of checks.”
Services: Stop Payment Request
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