Colony Bank Online Banking User Guide

Colony Bank Online Banking User Guide

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Published by Murphy & Company, Inc. 13610 Barrett Office Drive Suite 206

St. Louis, MO 63021 www.mcompany.com

© 2009-2025 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. Portions of this guide were provided by Alkami

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 Mobile and Online Banking with Colony Bank! Whether you are at home or at the office using a mobile phone, tablet or laptop, we strive to make your Mobile and 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 mobile and online banking process. If you have additional questions, contact us on our website Colony.Bank or call at (800) 873-6404.

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Table of Contents Getting Started

Downloading the Mobile Banking App.......................................................................7 New User Enrollment ...................................................................................................8 Desktop ................................................................................................................................... 9 Mobile.................................................................................................................................... 10 Logging Out .................................................................................................................11 Retrieve a Forgotten Username................................................................................12 Resetting a Forgotten Password ...............................................................................13 Dashboard Dashboard Overview..................................................................................................14 Desktop ................................................................................................................................. 14 Mobile.................................................................................................................................... 16 Accounts Account Details Desktop Overview...........................................................................17 Categorizing Transactions .................................................................................................. 19 Download Transactions ..................................................................................................... 20 Account Analytics Desktop - Balance History...................................................................22 Account Analytics - Spending ............................................................................................. 23 Editing an Account ......................................................................................................24 Reorder Accounts Desktop Only...............................................................................25 Deposit Check Mobile Only........................................................................................26 Enrollment ............................................................................................................................ 26 Depositing a Check .............................................................................................................. 27 Security Protecting Your Information......................................................................................28 General Guidelines .............................................................................................................. 28 Login ID and Password........................................................................................................ 28 Fraud Prevention ................................................................................................................. 28 Security Preferences...................................................................................................29 Change Username ............................................................................................................... 29 Change Password ................................................................................................................ 30 Two-Factor Authentication ................................................................................................. 31 Remembered Devices ......................................................................................................... 34 Mobile Security Preferences......................................................................................35 Enabling Digital ID................................................................................................................ 35 Biometrics............................................................................................................................. 36 Push Notifications ................................................................................................................ 37 Alerts ............................................................................................................................38

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Transfers Adding an Account......................................................................................................39 Add an External Account - Desktop...................................................................................39 Add an External Account - Mobile...................................................................................... 40 Link to Another Colony Bank Customer’s Account - Desktop ........................................ 41 Link to Another Colony Bank Member’s Account - Mobile ............................................. 43 Add an External Account to View its Balance on the Dashboard - Desktop................. 44 Add an External Account to View its Balance - Mobile....................................................45 Editing an External Account’s Credentials ..............................................................46 Desktop Only...............................................................................................................46 Removing an External Account Desktop Only.........................................................47 Make a Transfer (Desktop).........................................................................................48 Make a Transfer (Mobile) ...........................................................................................50 Loan Payments (Desktop)..........................................................................................52 Loan Payments (Mobile).............................................................................................55 Editing a Scheduled Transfer.....................................................................................57 Canceling a Scheduled Transfer................................................................................58 Bill Pay Enrollment ...................................................................................................................59 Overview ......................................................................................................................61 Creating a Biller...........................................................................................................62 Known Company.................................................................................................................. 62 Unknown Company ............................................................................................................. 63 Person ................................................................................................................................... 64 Editing a Biller..............................................................................................................65 Deleting a Biller ...........................................................................................................66 Enabling eBills .............................................................................................................67 Paying eBills.................................................................................................................68 Canceling eBills Service for a Biller ...........................................................................69 Scheduling Payments .................................................................................................70 Single Payments...................................................................................................................70 Multiple Payments ............................................................................................................... 71 Automatic Payments ..................................................................................................73 Automatic Payments for eBills ........................................................................................... 75 Edit an Automatic Payments .....................................................................................76 Delete an Automatic Payments.................................................................................78 Rush Delivery...............................................................................................................80 Activity ..........................................................................................................................82 Editing Pending Payments .........................................................................................83 Canceling Pending Payments ....................................................................................85

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Creating a Reminder...................................................................................................87 Editing Reminders.......................................................................................................89 Deleting Reminders ....................................................................................................91 eDocuments Enrollment (Desktop) .................................................................................................93 Unenroll From Statements & Documents ........................................................................ 94 Statement Delivery (Desktop)....................................................................................95 Statements (Desktop).................................................................................................96 Statement Delivery Enrollment (Mobile)..................................................................97 Statements (Mobile) ...................................................................................................98 Savings & Goals Financial Wellness.......................................................................................................99 Spending ............................................................................................................................... 99 Bulk Categorize Transactions (Desktop Only)................................................................100 Savings Goals......................................................................................................................101 Edit a Savings Goals...........................................................................................................103 Remove a Savings Goals ...................................................................................................104 Add Money to a Savings Goals.........................................................................................105 Array My Credit ........................................................................................................ 106 Registration ........................................................................................................................106 Overview .............................................................................................................................108 Tools Check Options Desktop Only.................................................................................. 109 Stop Payment.....................................................................................................................109 Stop Payment History........................................................................................................111 Locations (Desktop) ................................................................................................. 112 Locations (Mobile).................................................................................................... 114 Settings Profile ........................................................................................................................ 115 Contact Information ................................................................................................ 116 Applications (Desktop Only) ................................................................................... 118 Snapshot (Mobile Only)........................................................................................... 119 To Enable Snapshot...........................................................................................................120 To Use Snapshot................................................................................................................121

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Getting Started Downloading the Mobile Banking App

In order to download the app you must have a device running operating system Android 12.0 and up or iOS 15.0 or later.

1. On your personal device, locate the app store and search for “Colony Bank” 2. Locate the Colony Bank App. 3. Download the Mobile Banking app to your device. Once downloaded you can open the mobile app to begin registration or to login!

Note : iOS users can search and update the app, but Android users have to delete the old app and re-install the new one. If your Mobile Banking app does not automatically update when a new app version becomes available, simply search “Colony Bank” from your device app store to search for “updates” to the mobile app. If you experience any issues with your Mobile Banking app, ensure your phone software version is up to date and try uninstalling the Mobile Banking app and reinstalling it directly from the app store.

Getting Started: Downloading the Mobile Banking App

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Getting Started New User Enrollment

The first time you access the enhanced digital banking platform, you will need to click on the register a new account link to get started. Once you complete these few quick steps, you’ll be on your way to banking everywhere you go! The step-by-step instructions and screenshots in this section are taken from a desktop computer. The process is nearly identical from your mobile device. 1. Go to colony.bank.

2. Click the Log In button. 3. Click the “Enroll” link. 4. Click the Register to my individual account button.

5. Review and accept Digital Banking Agreement and click the Continue button. 6. Confirm your identity with the required information, and click the Continue button. 7. A Verification Code will be sent to the contact information we have on file for

email or phone number. Enter the verification code. 8. Create a new username and click the Next button. 9. Create a new password and click the Next button. 10. Once complete, your list of accounts will appear.

Getting Started: New User Enrollment

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Getting Started Logging In After Enrollment

After your first-time enrollment, logging in is easy and only requires your login ID and password. Desktop

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1. Click the Log In button. 2. Enter your username and password and click the Log In button. 3. Click the Log In button.

Note : If you enter an incorrect password too many times, your account will be temporarily locked. Contact us at (800) 873-6404 for assistance. If you’ve locked yourself out of your application with too many incorrect password attempts, you can also use the steps in the “Resetting a Forgotten Password” section below to reset your password.

Getting Started: New User Enrollment

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Mobile

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1. Enter your username and password and click the Log In button.

Getting Started: New User Enrollment

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Getting Started Logging Out

Always log off Mobile and Online Banking when you’re finished and close the browser.

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1. In the

menu, select Log Out.

Getting Started: Logging Out

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Getting Started Retrieve a Forgotten Username

If you happen to forget your username, you can easily retrieve it from the Colony Bank Home page—no need to call us!

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1. Click the Log In button. 2. Click the “Forgot Username” link. 3. Click the Find my personal username button. 4. Confirm your identity with the required information, and click the Continue button. 5. Your username will then appear.

Getting Started: Retrieve a Forgotten Username

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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 Colony Bank home page—no need to call us!

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1. Click the Log In button. 2. Click the “Forgot Password” link. 3. Review and agree to the forgot password terms and conditions and click the Continue button. 4. Click the Reset my password button. 5. Confirm your identity with the required information, and click the Continue button. 6. You will receive a verification code. Enter the verification code and update

your password.

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 Mobile and Online Banking. You can view the balances in your accounts, see your account summaries and more! The step-by-step instructions and screenshots in this section are taken from a desktop computer. The process is nearly identical from your mobile device but some small features, like downloading transactions to Excel or Quicken, are only available from a desktop. Desktop

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Dashboard: Dashboard Overview

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A. On a desktop computer, the navigation bar appears in every view at the top of the screen. You can navigate to Mobile and Online Banking features by selecting the appropriate tab. B. Your accounts are displayed in an account card with its available and current balances. If you click an account card, you are taken to the Account Details page. C. The icon allows you to choose the accounts you’d like to appear on your dashboard. These settings only affect the accounts displayed on the dashboard. They do not affect the way accounts are displayed in other parts of the system. The Dashboard has to be refreshed in order for changes to display. D. Keep an eye on credit score and credit report changes with Array My Credit real time credit monitoring. Go to page 106 for more information. E. Quickly add an external account to make it viewable on the dashboard. To add an account and use it for transfers, go to page 39 for more information. Go to page 41 for more information about linking to another Colony Bank Member’s account. Go to page 44 for more information about adding an external account to view its balance. F. Activity modules provide a quick glance of recent and future activities.

Dashboard: Dashboard Overview

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Mobile

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A. On a mobile device, the navigation bar appears in every view at the bottom of the screen. You can navigate to Mobile and Online Banking features by selecting the appropriate tab. B. Click the icon to view your notifications. C. Click the icon to search your accounts. D. Your accounts are displayed in an account card with its available and current balances. If you click an account card, you are taken to the Account Details page. E. Quickly add an external account to make it viewable on the dashboard. Go to page 40 for more information about adding an external account. Go to page 43 for more information about linking to another Colony Bank Member’s account. Go to page 45 for more information about adding an external account to view its balance.

Dashboard: Dashboard Overview

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Accounts Account Details Desktop Overview

Selecting a Colony Bank account on the Dashboard takes you to the Account Details page, where you can view every transaction pertaining to that account as well as the account number. From here, you can view details such as type of transaction, check images and account balances, so you stay organized and on top of your finances.

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Accounts: Account Details Desktop Overview

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Click the Dashboard tab and select an account. A. View a list of all of your accounts. B. View the current and available balance of your account. C. Click the icon to edit an account’s name. D. Search, filter or sort your transactions.

E. View a list of recent transactions. Pending transactions are separated and displayed above posted transactions. Pending transactions are reflected in an account’s available balance but not the current balance. Click a transaction to view more details. F. Click the icon to print the transactions for the selected account(s). G. Click the icon to download the transactions for the selected account(s). You can export a comma-separated value file (CSV) or a file formatted for Quicken/Quickbooks. For more information about downloading files, go to page 20. H. Click the Account Details tab to view additional details about the account including the account number, MICR number for ordering checks and interest rate and payment information for loans. I. Click the Analytics tab to display graphs of the selected account’s balance history and spending history over the specified date range. Go to page 22 for more information.

Note : If a transactions’s name looks off, click the transaction to expand it and click the “Help” link. You will then have the option to revert to the original description.

Accounts: Account Details Desktop Overview

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Categorizing Transactions Selecting a transaction description or category displays Transaction Details. The Transaction Details screen allows you to categorize transactions.

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Click the Dashboard tab and select an account. 1. Click a transaction. 2. Use the drop-down to assign a category.

Note : Categorizing your transactions will allow you to see how your money is being spent month over month, under the Savings Goal tab. For more information about Financial Wellness go to page 99.

Accounts: Account Details Desktop Overview

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Download Transactions Easily download transaction lists.

• Downloading to Quicken: This method allows you to update all of your accounts with one click. This service supports the latest version as well as the two previous versions of Quicken. This includes downloading financial data from financial institutions, and technical support. • Downloading to Your Desktop: You can download account information to your desktop as a comma-delimited file or comma-separated value (CSV) file and import it into Microsoft Excel and most other spreadsheet programs on Windows or Mac.

Note : Transactions cannot be downloaded while using the mobile app.

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Click the Dashboard tab and select an account. 1. Click the icon to export the transactions.

Accounts: Account Details Desktop Overview

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2. Use the drop-down to select a download format. 3. Select a start and end date. 4. Check the boxes to select accounts. 5. Click the Download button.

Accounts: Account Details Desktop Overview

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Account Analytics Desktop - Balance History Balance History Analytics displays a graph of the selected account’s balance over the specified date range.

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Click the Dashboard tab and select an account. 1. Click the Analytics tab. 2. Click the Balance History button. 3. Select the date range that you want displayed.

Accounts: Account Details Desktop Overview

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Account Analytics - Spending Spending Analytics displays a breakdown of categorized expenses over the specified date range.

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Click the Dashboard tab and select an account. 1. Click the Analytics tab. 2. Click the Spending button. 3. Select the date range that you want displayed. 4. Click the

icon to display additional information for each category.

Accounts: Account Details Desktop Overview

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Accounts Editing an Account

Edit an account’s nickname, color or hide an account.

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1. In the

menu, select Settings.

2. Click the Accounts tab. 3. Click the icon (Desktop) or icon (Mobile). 4. Make the necessary changes and click the Save button.

Accounts: Editing an Account

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Accounts Reorder Accounts Desktop Only

Change the order your accounts appear in.

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1. In the

menu, select Settings.

2. Click the Accounts tab. 3. Click the “Reorder Accounts” link. 4. Use the arrows to reorder you accounts. 5. Click the Save Order button when you are finished.

Accounts: Reorder Accounts Desktop Only

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Accounts Deposit Check Mobile Only

Mobile and Online Banking with Colony Bank gives you the tools to handle your finances how you want. Enroll in Check Deposit to deposit checks from anywhere at anytime from nearly any mobile device. Enrollment

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Log in to our Colony Bank Mobile Banking App on your mobile device. Tap the Check Deposit button on the home screen and then tab the Got It, Let’s Go button. 1. Review and accept the remote deposit services agreement terms and conditions.

Accounts: Deposit Check Mobile Only

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Depositing a Check With a snap of a photo, you can deposit checks into your Mobile and Online Banking account.

Note : This feature is only available when using our Colony Bank Mobile Banking App on your mobile device.

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Log in to our Colony Bank Mobile Banking App on your mobile device. Tap the Check Deposit button on the home screen and then tap the Got It, Let’s Go button. 1. Select an account. 2. Enter the dollar amount of the check. Note: There is a default daily deposit limit of $5000.00. 3. Sign the back of the check and write “For Mobile Deposit Only-Colony Bank.” Place the check on a flat, well-lit surface, then tap the Front of Check and Back of Check buttons to take an image of the front and back of the check. 4. Tap the Submit deposit button when you are finished.

Note : The Colony Bank Mobile Banking App will need permission to access the camera in the device privacy settings.

Accounts: Deposit Check Mobile Only

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Security Protecting Your Information

Here at Colony Bank, we work hard to protect your personal information and provide you with a dependable mobile and online banking experience. However, we rely on you to take further precautions to assure the safety of your accounts. By following our tips, Mobile and 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 Mobile and Online Banking. • Monitor your recent account history for unauthorized transactions. • Always log off Mobile and 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. • 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 800-873-6404.

Security: Protecting Your Information

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Security Security Preferences

We take security very seriously at Colony Bank, so we have added various tools to help you better protect your account information. You can add and manage these features in Security to strengthen your Mobile and Online Banking experience.

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menu, select Settings

2. Click the Security tab. 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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1. (Desktop Only) Click the

icon next to your username.

2. Enter your new username. 3. Click the Save Changes button when you are finished making changes.

Security: Security Preferences

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Change Password You can change your Mobile and Online Banking password whenever you want to. Follow our guidelines to create a strong password.

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1. Click the

icon (Desktop) or icon (Mobile) next to your password.

2. Enter your current password. 3. Enter and confirm a new password. 4. Click the Save Changes (Desktop) or Save (Mobile) button when you are finished making changes. 5. Choose the contact method that allows Colony Bank to reach you immediately with a verification code and click the Send Code button. 6. Enter the verification code and click the Verify button.

Security: Protecting Your Information

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Two-Factor Authentication When enabled, mandatory two-factor authentication will require the user to always validate their identity through one of the two factor authentication methods setup below, regardless of any other security settings such as “Remember this Device.” Two- factor authentication can only be set up when logging into the website version from an internet browser on your phone or computer. However, 2-factor verification will be prompted at login regardless if you log into the mobile banking app or from the website. 1

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1. To turn on two-factor authentication for each login toggle, the switch to “ON.” For email or SMS: 2. Click the icon next to a delivery method to edit it. 3. (Optional) Click the “Edit in contact settings” link to edit the email address or phone number. 4. (Optional) Check the box to set as the preferred authentication method. 5. Click the Done button when you are finished.

For 2FA App: 6. Click the

icon.

Security: Protecting Your Information

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7. Click the Enroll button. 8. Scan the QR code using your preferred authentication app. 9. Enter the code from your authentication app. 10. Click the Next button.

Security: Protecting Your Information

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11. Choose the contact method that allows Colony Bank to reach you immediately with a verification code and click the Send Code button. 12. Enter the verification code and click the Verify button. 13. (Optional) Check the box to set as the preferred authentication method. 14. Click the Done button when you are finished.

Security: Protecting Your Information

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Remembered Devices In the Remembered Devices section, you can view which devices have been authenticated. You can delete any remembered device listing, which will cause Mobile and Online Banking to require additional authentication the next time that device is used.

Security: Protecting Your Information

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Security Mobile Security Preferences

Within Colony Bank’s Mobile Banking App on your mobile device, you have the ability to set up security preferences that are not available on a desktop computer. These additional preferences make signing into your phone or tablet quick and easy, but also add an extra layer of security to your private information while you are on the go! Note : The Mobile Banking app allows you to conveniently login with biometric security settings enabled per your specific device, including passcode for iPhone users, fingerprint ID and FaceID for supporting devices. You must first enable these security settings within your personal device. For security purposes, if you do not have a level of security enabled on your device you must login with your username and password each time. Enabling Digital ID Digital ID helps you keep your account secure and save time. Enable it to allow Colony Bank to verify your identity at the push of a button.

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Log in to our Colony Bank Mobile Banking App on your mobile device. In the menu, tap Settings , then tap Digital ID . 1. Toggle the Use Digital ID switch from “Off” to “On.”

Security: Mobile Security Preferences

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Biometrics Face ID is a feature which utilizes facial recognition technology, allowing you to unlock your device with your face instead of a login ID and password. Fingerprint Login uses fingerprint recognition technology, allowing you to perform tasks on your device with just your fingerprint.

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Log in to our Colony Bank Mobile Banking App on your mobile device. In the menu, tap the Settings , then tap Biometrics . 1. Toggle the Use Biometric ID switch from “Off” to “On.”

Note : You must have Face Id or Fingerprint login enabled on your mobile device before enabling it through our mobile banking app.

Note : If you have a passcode or pattern on your phone but do not have FaceID/Fingerprint enabled you have the option to login with your passcode or enable biometrics on the mobile app.

Security: Mobile Security Preferences

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

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Log in to our Colony Bank Mobile Banking App on your mobile device. In the menu, tap the Settings , then tap Push Notifications . 1. Toggle the Allow Push Notifications switch from “Off” to “On.”

Security: Mobile Security Preferences

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Security Alerts

Alerts monitor your mobile and online banking activity through event-triggered notifications. You can set up notifications pertaining to your account balances, payments clearing your accounts, loan payments and more.

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button.) In the Tools tab, click Alerts .

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1. Select an alert type. 2. Use the toggle to turn alerts on and off. 3. Select your preferred delivery method(s). 4. Click the Save button when you are finished.

Note : General Alerts are default security alerts and other notifications triggered by important events, such as changes to your personal information. General alerts cannot be turned off.

Security: Alerts

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Transfers Adding an Account

Quickly add an internal or external account. Add an External Account - Desktop Sign in with your external account credentials to be able to make transfers to and from this account immediately.

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In the Transfer & Pay tab, click Transfers . 1. Click the More Actions tab. 2. Click the Add Account button.

3. Click the Add an External Account button. 4. Search for or select your account provider. 5. Enter your account details and click the Submit button.

Note : The first time you add an account you will need to Agree to Terms & Conditions “ACH External Transfer Disclosure” before adding the account.

Transfers: Adding an Account

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Add an External Account - Mobile

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Click Transfers . 1. Click the Add Account button.

2. Click the Add an External Account button. 3. Search for or select your account provider. 4. Enter your account details and click the Submit button.

Note : On first time you will need to Agree to Terms & Conditions “ACH External Transfer Disclosure” before adding the account.

Transfers: Alerts

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Link to Another Colony Bank Customer’s Account - Desktop Enter the recipient’s information to begin making transfers to their account. We will notify them by email of this connection.

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In the Transfer & Pay tab, click Transfers . 1. Click the More Actions tab. 2. Click the Add Account button. 3. Click the Link to another Colony Bank Customer’s Account button. 4. (Optional) Enter the recipients first name. 5. Enter the recipients last name or the business name. 6. Use the drop-down to select a verification method. 7. Enter the recipient’s account number. 8. (Optional) Check the box to save the account for future use. If you save the account for future use you can also enter a nickname for the account. 9. Enter a nickname. 10. Click the Save button.

Alerts :Transfers

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11. Choose the contact method that allows Colony Bank to reach you immediately with a verification code and click the Send Code button. 12. Enter the verification code and click the Verify button.

Transfers: Alerts

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Link to Another Colony Bank Member’s Account - Mobile

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Click Transfers . 1. Click the Add Account button. 2. Click the Link to another Colony Bank Member’s Account button. 3. (Optional) Enter the recipients first name. 4. Enter the recipients last name or the business name. 5. Use the drop-down to select a verification method. 6. Enter the recipient’s account number. 7. (Optional) Check the box to save the account for future use. If you save the account for future use you can also enter a nickname for the account. 8. Enter a nickname. 9. Click the Save button.

Alerts :Transfers

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Add an External Account to View its Balance on the Dashboard -Desktop Sign in with your external account credentials to view balances and transactions for this account.

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In the Transfer & Pay tab, click Transfers . 1. Click the More Actions tab. 2. Click the Add Account button. 3. Click the Add an External Account to View its Balance button. 4. Search for or select your account provider. 5. Enter your account details and click the Submit button.

Transfers: Alerts

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Add an External Account to View its Balance - Mobile

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Click Transfers . 1. Click the Add Account button. 2. Click the Add an External Account to View its Balance button. 3. Search for or select your account provider. 4. Enter your account details and click the Submit button.

Alerts :Transfers

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Transfers Editing an External Account’s Credentials Desktop Only If necessary you can update your login info for your external accounts.

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1. In the

menu, select Settings.

2. Click the Accounts tab. 3. Click the

icon to edit an external account’s credentials.

4. Make the necessary changes.

Note : To reset your credentials, you will need to log into the external site.

Transfers: Editing an External Account’s Credentials

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Transfers Removing an External Account Desktop Only

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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1. In the

menu, select Settings.

2. Click the Accounts tab. 3. Click the 4. Click the Delete button.

icon to delete an external account.

Transfers: Removing an External Account Desktop Only

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Transfers Make a Transfer (Desktop)

Make both one-time and recurring transfers, as well as loan payments.

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In the Transfer & Pay tab, click Transfers . 1. Select an account to send funds from. 2. Select an account to send funds to. 3. Enter an amount. 4. Use the drop-down to select a frequency. 5. Select a date to make the transfer. 6. For recurring payments, use the drop-down to select when the transfer should end. 7. (Optional) Enter a memo. 8. Click the Review Transfer button.

Transfers: Make a Transfer (Desktop)

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9. Review the transfer and click the Submit Transfer button. 10. Click the Done button.

Transfers: Make a Transfer (Desktop)

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Transfers Make a Transfer (Mobile)

Make both one-time and recurring transfers, as well as loan payments.

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Click the Transfers tab. 1. Click the Make a Transfer button. 2. Select an account to send funds from. 3. Select an account to send funds to. 4. Enter an amount.

Transfers: Make a Transfer (Mobile)

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5. Use the drop-down to select a frequency. 6. Select a date to make the transfer. 7. For recurring payments, use the drop-down to select when the transfer should end. 8. (Optional) Enter a memo. 9. Click the Review Transfer button. 10. Review the transfer and click the Submit Transfer button. 11. Click the Done button.

Make a Transfer (Mobile) :Transfers

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Transfers Loan Payments (Desktop)

Easily make payments to your loans using the loan payment feature.

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In the Transfer & Pay tab, click Transfers . 1. Select an account to send funds from. 2. Select a loan to send funds to. 3. Use the drop-down to select a payment type.

• Select “Regular Payment” to pay the standard amount. The regular payment amount and next due date will also display when this option is selected. • Select “Online Principal Only Transfer” to make a payment toward the principal only. • Select the “Additional P&I” to to make a payment toward the principal and interest.

4. If necessary, enter an amount.

Transfers: Loan Payments (Desktop)

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5. Use the drop-down to select a frequency. 6. Select a date to make the transfer. 7. For recurring payments, use the drop-down to select when the transfer should end. 8. (Optional) Enter a memo. 9. Click the Review Transfer button.

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10. Review the transfer and click the Submit Transfer button. 11. Click the Done button.

Transfers: Loan Payments (Desktop)

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Transfers Loan Payments (Mobile)

Easily make payments to your loans using the loan payment feature.

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Click the Transfers tab. 1. Click the Make a Transfer button. 2. Select an account to send funds from. 3. Select a loan to send funds to. 4. Use the drop-down to select a payment type.

• Select “Regular Payment” to pay the standard amount. The regular payment amount and next due date will also display when this option is selected. • Select “Online Principal Only Transfer” to make a payment toward the principal only. • Select the “Additional P&I” to to make a payment toward the principal and interest.

5. If necessary, enter an amount.

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6. Use the drop-down to select a frequency. 7. Select a date to make the transfer. 8. For recurring payments, use the drop-down to select when the transfer should end. 9. (Optional) Enter a memo. 10. Click the Review Transfer button. 11. Review the transfer and click the Submit Transfer button. 12. Click the Done button.

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Transfers Editing a Scheduled Transfer

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(Desktop) In the Transfer & Pay tab, click Transfers . (Mobile) Click the Transfers tab. 1. Click the Scheduled (Desktop) or Scheduled Transfers (Mobile) tab. 2. Click the icon and select “Edit Transfer.” 3. Make the necessary changes and click the Save button. 4. Click the Done button.

Transfers: Editing a Scheduled Transfer

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Transfers Canceling a Scheduled Transfer

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(Desktop) In the Transfer & Pay tab, click Transfers . (Mobile) Click the Transfers tab. 1. Click the Scheduled (Desktop) or Scheduled Transfers (Mobile) tab. 2. Click the icon and select “Cancel Transfer.” 3. (Optional) Enter a reason for canceling. 4. Click the Cancel Transfer button. 5. Click the Done button.

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Bill Pay Enrollment

When you click the Bill Pay tab, you are asked to choose an account to use within Bill Pay and to accept the terms and conditions.

Note : Payment methods are automatically determined by our system based on several factors, including the payment amount, remittance account number, and the recipient’s preferred method. Electronic payments are prioritized when possible, as they’re the most efficient. However, if a payment doesn’t meet electronic criteria, the system will issue it by corporate or draft check. Bill Pay cannot manually change the method.

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On a desktop computer, in the Transfer & Pay tab, click Bill Pay & Zelle. On a mobile device, click the Bill Pay tab.

Bill Pay: Enrollment

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1. Review the Terms of Service and click the Accept button. 2. Review the Privacy Policy and click the Accept button. 3. Click the Get started button.

Bill Pay: Canceling a Scheduled Transfer

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Bill Pay Overview

Bill Pay with Colony Bank allows you to stay on top of your monthly finances. Having your bills linked to your bank account enables you to electronically write checks and send payments in one place.

Note : All screens are from the desktop view.

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On a desktop computer, in the Transfer & Pay tab, click Bill Pay & Zelle. On a mobile device, click the Bill Pay tab. A. View a list of your unpaid bills. B. View a list of your billers. C. View your current account balances. D. View your recent activity.

Bill Pay: Overview

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Bill Pay Creating a Biller

The individual who receives your payments is known as a biller. You can pay just about any company, loan or account using Bill Pay. The information printed on your bill is all you need to set up a company as a biller. When creating your biller, there are two types of companies you can add: known and unknown. Known Company If the company you need to pay is preloaded in our database, you have the option to set up eBills. For more information, visit page 67.

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On a desktop computer, in the Transfer & Pay tab, click Bill Pay & Zelle. On a mobile device, click the Bill Pay tab. 1. Click the Add biller button. Enter the biller’s name and click the Next button. 2. Enter the required information. Fields may vary depending on which company you are adding. 3. Click the Add button when you are finished. 4. You can then either make a payment or click the Cancel button to return to the Bill Pay home page.

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Unknown Company If you have a biller who is not in our system, you can add their contact information. You you may not be able to send a Rush Delivery or sign up for eBills.

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On a desktop computer, in the Transfer & Pay tab, click Bill Pay & Zelle. On a mobile device, click the Bill Pay tab. 1. Click the Add biller button. Enter the biller’s name and click the Next button. 2. Enter the biller’s account number. 3. (Optional) Enter a nickname. 4. Enter the biller’s mailing address. 5. Select the biller’s state from the drop-down. 6. Enter the biller’s ZIP code. 7. Enter biller’s phone number 8. Click the Add button when you are finished. 9. You can then either make a payment or click the Cancel button to return to the Bill Pay home page.

Bill Pay: Creating a Biller