CrossFirst Bank Consumer Guide

Consumer Guide

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

St. Louis, MO 63021 www.mcompany.com

© 2009-2024 Murphy & Company, Inc. Macintosh is a trademark of Apple Inc., registered in the U.S. and other countries. Android is a trademark of Google LLC. Adobe Reader is a registered trademark of Adobe Systems, Inc. © 2012 Portions of this guide were written by Q2 Software, Inc.

Disclaimer Concepts, strategies and procedures outlined in this guide can and do change and may not be applicable to all readers. The content in this guide is not warranted to offer a particular result or benefit. Neither the author, publisher nor any other party associated with this product shall be liable for any damages arising out of the use of this guide, including but not limited to loss of profit, commercial, special, incidental or other damages. For complete product and service information, please refer to the terms, conditions and disclosures for each product and service.

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Getting Started

Welcome to digital banking with CrossFirst Bank! We strive to make your digital 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 digital banking process. If you have additional questions, contact us at (844) 261-2548.

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Table of Contents Getting Started

New User Enrollment ...................................................................................................7 Logging In.......................................................................................................................8 Logging Off ............................................................................................................................. 8 Resetting a Forgotten Password .................................................................................9 Home Page Home Page Overview .................................................................................................11 Mobile Thumblinks .....................................................................................................13 External Accounts .......................................................................................................14 Adding an Account............................................................................................................... 14 Manual Accounts ........................................................................................................15 Adding a Manual Account................................................................................................... 15 Editing a Manual Account ................................................................................................... 16 Deleting a Manual Account................................................................................................. 17 Account Details Overview ..........................................................................................18 Quick Transfer.............................................................................................................20 Account Nickname......................................................................................................21 Details & Settings........................................................................................................22 Account Grouping.......................................................................................................23 Editing a Group Name......................................................................................................... 24 Deleting a Group.................................................................................................................. 24 Security Protecting Your Information......................................................................................25 General Guidelines .............................................................................................................. 25 User ID and Password......................................................................................................... 25 Fraud Prevention ................................................................................................................. 25 Security Settings..........................................................................................................26 Change Password ................................................................................................................ 26 Change User ID .................................................................................................................... 27 Mobile Security Preferences......................................................................................28 Enabling Touch ID or Fingerprint Login ............................................................................ 28 Secure Access Code............................................................................................................. 29 Enabling Passcode Authentication .................................................................................... 30 Enabling Face ID................................................................................................................... 31 Disabling Passcode Authentication, Touch ID, Fingerprint or Facial ID Login.............. 32

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Apple® Watch .............................................................................................................33 Apple® Watch Setup ........................................................................................................... 33 Viewing Balances and Transactions .................................................................................. 33 Alerts Overview ...........................................................................................................34 Account Alerts ...................................................................................................................... 35 History Alerts........................................................................................................................ 36 Online Transaction Alerts ................................................................................................... 37 Reminders............................................................................................................................. 38 Enabling and Disabling Push Notifications..............................................................39 Secure Message Overview .........................................................................................40 Sending a Secure Message ........................................................................................41 Transaction Types Transfers and Payments Overview...........................................................................42 Transactions Transfer Money...........................................................................................................44 Client to Client Transfer ............................................................................................46 Linking a CrossFirst Bank Account..................................................................................... 46 Single Transfers Between CrossFirst Bank Accounts ...................................................... 47 Send Money with Zelle ® Setup...................................................................................48 Initial Setup........................................................................................................................... 48 Adding a Recipient............................................................................................................... 49 Send Money with Zelle ®................................................................................................................................................................ 50 Request Money with Zelle ® ...................................................................................................................................................... 52 Split Payment with Zelle ®............................................................................................................................................................ 53 Zelle ® Settings ..............................................................................................................54 Adding a Personal External Account ........................................................................55 Verifying a Personal External Account .....................................................................56 Loan Payments............................................................................................................57 Activity Center Overview ............................................................................................59 Using Filters .......................................................................................................................... 60 Creating or Deleting Custom Views Using Favorites ....................................................... 60 Editing Transactions ............................................................................................................ 61 Canceling Transactions ....................................................................................................... 62 Quick Bill Pay Overview Page ....................................................................................63 Payments Overview....................................................................................................64

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Creating a Payee Overview ........................................................................................64 Creating a Payee .........................................................................................................65 Editing a Payee ............................................................................................................67 Deactivating or Deleting a Payee ..............................................................................68 Scheduling a Single Payment ....................................................................................69 Scheduling Multiple Payments..................................................................................70 Setting Up Auto-Pay....................................................................................................71 Editing a Payment .......................................................................................................72 Deleting a Payment ....................................................................................................73 Setting Up eBills ..........................................................................................................74 Canceling eBills ...........................................................................................................75 Setting Up Reminders ................................................................................................76 Editing a Reminder .....................................................................................................77 Alerts ............................................................................................................................78 Creating a Report........................................................................................................79 Editing a Report...........................................................................................................80 Deleting a Report ........................................................................................................81 Editing a Funding Account .........................................................................................82 Creating a Category ....................................................................................................83 Changing a Category Name.......................................................................................84 Deleting a Category ....................................................................................................85 Account Services Overview........................................................................................86 Account Services Stop Payment Request...............................................................................................87 Single Check ......................................................................................................................... 87 Multiple Checks ................................................................................................................... 88 Manage External Accounts ........................................................................................89 Verify External Accounts ............................................................................................90 Check Reorder.............................................................................................................91 Card Controls ..............................................................................................................92 Mobile Deposits ..........................................................................................................93 Preference Overview ..................................................................................................94 Text Enrollment...........................................................................................................96 Accessibility..................................................................................................................98 Branches and ATMs....................................................................................................99

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Getting Started New User Enrollment

If you’re new to digital banking with CrossFirst Bank, you need to complete the enrollment process before you can login. Once you complete these few quick steps, you’ll be on your way to banking everywhere you go! 1. Type crossfirstbank.com into your browser, and click the “Enroll” link. 2. Fill out the digital banking Enrollment Form with the required information, and click the Submit Enrollment button. 3. A confirmation message appears. Memorize the password, and click the “Click Here” link to be redirected to the CrossFirst Bank Home page. 4. Enter your new User ID and click the Log In button.

Note : The details you provide are verified by comparing them to your information in our system. If the information does not match, call us at (844) 261-2548 to update your profile.

5. Choose the contact method that allows CrossFirst Bank to reach you immediately with a Secure Access Code (SAC). This numbered code is only valid for a short time, and you will need to request a new one if it expires. 6. Enter the SAC and click the Submit button. 7. Choose whether to register your device for future logins. If you click the Register Device button. 8. Review the digital banking Services Agreement on the Disclaimers page, and click the I Accept button to agree to the terms and conditions. 9. A view-only profile page appears. Review the information and click Submit .

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 User ID and Password. If you are logging in on a device you have not previously registered, you need to request a SAC.

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

Note : If you enter an incorrect password too many times, your account will be temporarily locked. Call us at (844) 261-2548 for assistance.

Logging Off For your security, you should always log off when you finish your digital banking

session. We may also log you off due to inactivity. 1. Click the Log Off tab in the navigation menu. 2. Close your internet browser.

Getting Started: Logging In

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Getting Started Resetting a Forgotten Password

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

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1. Check the “Forgot Password?” link. 2. Enter your User ID and click the Submit button.

Note : You may not be able to change your password if your account is locked.

Getting Started: Resetting a Forgotten Password

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Phone:

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3. Choose the contact method that allows CrossFirst Bank to reach you immediately with a six-digit SAC. 4. Enter the SAC and click Submit . 5. Create a new password based on our password requirements, and click the Submit button when you are finished.

Getting Started: Resetting a Forgotten Password

Home Page Home Page Overview

After logging in, you are taken directly to the Home page. This page is divided into three convenient sections to help you navigate to every feature within digital banking. Here you can view the balances in your CrossFirst Bank accounts, as well as any linked external accounts.

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

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A. The navigation bar appears in every view on the left side of the screen. You can navigate to different features by selecting the appropriate Option. B. Your CrossFirst Bank accounts and linked external accounts are displayed in an account card with its balance. C. If you click an account card, you are taken to the Account Details page. You can also click the icon on the right side of an account card, and select View Activity for more details. D. The icon allows you to print a summary of current available funds in your accounts. E. If you have multiple accounts, you can click and hold an account card, you can drag and drop it to a new location to change the order your accounts appear. F. The Quick Links in the top right corner let you quickly access different features.

Home Page: Home Page Overview

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Home Page Mobile Thumblinks

When accessing Mobile Banking from your iPhone or Android device, you will have quick access to frequently used services.

A C A. Transfer funds between CrossFirst Bank accounts or external accounts using the Transfer Link . B. Use the Deposit Check Link to enroll in Mobile Deposit and quickly deposit checks. C. Enroll in Bill Pay to send money to people or businesses in seconds. B

Note : Customers with access to Mobile Deposit will not have access to the Activity Center Quicklink. Customers who do not qualify for our Mobile Deposit Service will not have access to the Mobile Deposit Quicklink.

Home Page: Mobile Thumblinks

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Home Page External Accounts

Link external accounts to your CrossFirst Bank account. Adding an Account

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1. Click the Link Account button. 2. Use the search field to locate your financial institution. 3. Click on the financial institution you would like to link. 4. Enter the security infomation for your account. This information may be different for your financial instituation. 5. You may close the window or link other accounts by clicking the appropriate button.. 6. Your linked accounts will appear on your home page after the connection is complete.

Home Page: External Accounts

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Manual Accounts

You can manually link external accounts to track assets or debts, such as a home or rental property, cash, or credit cards. Adding a Manual Account

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1. Click the Get Started link.

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2. Enter an account name. 3. Use the drop-down menu to select an account type. 4. (Optional) Enter a balance. 5. (Optional) Enter a financial institution.

6. (Optional) Enter an APR. 7. Click the Save button.

Home Page: Manual Accounts

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Editing a Manual Account

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

Home Page: Manual Accounts

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Deleting a Manual Account

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1. Click the

icon and click “Delete account.”

2. Click the Delete button.

Home Page: Manual Accounts

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Home Page Account Details Overview

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

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Home Page: Account Details Overview

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are sorted. A. On the Home page, you can click on an account name to view the Account Details screen. B. The current and available balances of that account are displayed in the top right corner. C. The icon opens the search bar to find transactions with that account. D. Transactions can be sorted by time, type, amount, or check number. Click the icon for more options. E. Make a quick transfer by clicking the icon. (See page 20 for additional details.) F. Export your transactions into a different format by clicking the icon. G. The icon lets you send a secure message about that account or print a list of transactions. H. The icon indicates how the Date, Description, and Amount columns I. You can view more details about a transaction by clicking on it. J. The icon lets you send a secure message about that transaction or print details about it.

Home Page: Account Details Overview

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Home Page Quick Transfer

The Quick Transfer option is simple and fast.

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1. Click the

icon on the right side of an account card and select Quick

Transfer. 2. Use the drop-down menu to select an account to transfer from. 3. Use the drop-down menu to select an account to receive the funds. 4. Enter an amount to transfer. 5. Select a transfer date. 6. (Optional) Click the Advanced Options button for additional options including frequency and memo.. 7. Click the Transfer Funds button when you are finished.

Home Page: Quick Transfer

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Home Page Account Nickname

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

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1. Click the

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

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

Home Page: Account Nickname

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Home Page Details & Settings

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

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1. Click the 2. Click the

icon right side of an account card and select Settings.

icon to edit the nickname. 3. Use the toggle to decide whether or not your account is visible on the Home and Financial Tools pages.

Home Page: Details & Settings

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Home Page Account Grouping

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

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1. Create a new group by clicking the 2. Use the drop-down to select an account. 3. Enter the group name. 4. Click the Save button.

icon and selecting “Create new group.”

Home Page: Account Grouping

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

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1. Click icon and selecting “Edit group name.” 2. Enter a new name and click the check mark when you are finished. Deleting a Group After a group is made, you can reorganize the Home page by deleting a group without removing those accounts from the Home page.

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1. Remove all accounts from a group by clicking and holding an account tile and dragging it to another group and dropping it. 2. Click the Yes, delete button to delete the group. Home Page: Account Grouping

Security Protecting Your Information

Here at CrossFirst Bank, we do everything we can to protect your personal information and provide you with an extraordinary experience. However, we rely on you to take further precautions to ensure the safety of your accounts. By following our tips, digital banking can be a secure and efficient method for all your banking needs. General Guidelines • Make sure your operating system and antivirus software are up to date. • Always use secure wireless (WiFi) networks that require a login ID and password. • Never leave your computer unattended while using digital banking. • Monitor your recent account history for unauthorized transactions. • Always log off when you’re finished and close the browser. User 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 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 (844) 261-2548.

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Security Security Settings

We take security very seriously at CrossFirst Bank. We have added various tools to help you better protect your account information. You can add and manage these features in Security Settings to strengthen your digital banking experience.

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Change Password You can change your password when you want. We recommend changing your password regularly and following our guidelines to create a strong password.

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Click on the Settings tab,. 1. Click the Update Password button. 2. Enter your current password. 3. Create a new password. 4. Reenter your new password. 5. Click the Change Password button when you are finished.

Security: Security Settings

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Change User ID You can also change your User ID at any time. Create a unique User ID you will remember and follow our required guidelines.

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Click on the Settings tab. 1. Click the Update User ID button. 2. Enter your new User ID. 3. Click the Save new User ID button when you are finished making changes.

Security: Security Settings

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Security Mobile Security Preferences

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

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Android TM

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Sign in to CrossFirst Bank’s Mobile app and tap the Menu button. In the Settings tab, tap Touch/Face ID . 1. Toggle the Touch/Face ID switch from “Off” to “On.” 2. Review the information about using fingerprint authentication and tap the Continue button. 3. Enter your User ID and password, and tap the Authorize button.

Note : You must have Touch ID or Fingerprint Login enabled on your mobile device before enabling it through our mobile app.

Security: Mobile Security Preferences

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4b

Touch ID for “Your FI”

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4. Scan your fingerprint.

a. Apple® Device : Place your finger on the Home button to enable Touch ID. b. Android TM Device : Place your finger on the fingerprint scanner to enable Fingerprint Login. Location of scanner varies from device to device. Secure Access Code Adding a Challenge Code replaces the need for an SAC when accessing digital banking on an unregistered device. If you are unable to receive an SAC at any time, this four-character code allows one-time access.

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Click on the Settings tab. 1. Click the Secure Access Code button. 2. Click the to change a code.

3. Enter the phone number for voice or SMS text. 4. Click the Save button when you are finished.

Security: Mobile Security Preferences

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

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Sign in to CrossFirst Bank’s Mobile app and tap the Menu button. In the Settings tab, tap Touch/Face ID . 1. Toggle the Passcode switch from “Off” to “On.” 2. Review the information about using a passcode and tap the Create Passcode button. 3. Create your four-digit passcode using the keypad. 4. Confirm your passcode using the keypad. 5. Enter your login ID and password, and tap the Authorize button.

Security: Mobile Security Preferences

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Enabling Face ID Face ID is a feature which utilizes facial recognition technology, allowing you to unlock your Apple® device with your face instead of a User ID and password.

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

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

Security: Mobile Security Preferences

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

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Apple ®

Android TM

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

Security: Mobile Security Preferences

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Security Apple® Watch

With the convenience of the Apple® Watch feature, you can now check your balances and recent transactions faster than ever. Apple® Watch Setup Activate the Apple® Watch feature in your mobile banking app using your mobile device or tablet.

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Sign in to CrossFirst Bank’s Mobile app and tap the Menu button. In the Settings tab, tap Apple Watch Enrollment . 1. Toggle the Apple® Watch switch from “Off” to “On.” Viewing Balances and Transactions When you activate the Apple® Watch feature, you can view your first ten accounts on the Account Summary page, balances, and transactions with a few taps.

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1. Swipe left and right to view different account balances. 2. Swipe up and down to scroll through the transactions list. 3. Tap the Back button to return to your account list.

Security: Apple® Watch

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Security Alerts Overview

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

Note : There are certain security alerts that cannot be disabled

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In the Settings tab, click Alert Settings .

A. The "New Alert" drop-down lets you create an account, history, online transaction, or reminder alert. B. The icon allows you to collapse or expand alert details for each category. C. Toggling the switch turns an alert on or off without deleting it. D. The "Edit Delivery Preferences" link allows you to determine how you receive alerts.

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

Security: Alerts Overview

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

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

Security: Alerts Overview

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History Alerts You can create History Alerts to contact you when a check number posts or transactions meet a chosen amount.

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

Security: Alerts Overview

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Online Transaction Alerts By creating Online Transaction Alerts, you can be notified when specific transfers, payments, or debits post to your account.

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

Security: Alerts Overview

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Reminders Just like marking a calendar, you can set up alerts to remind you of specific dates or events.

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In the Settings tab, click Alert Settings . 1. Use the “New Alert” drop-down and select “Reminder.”

2. Use the drop-down to select an event. 3. Enter the date for the alert to occur. 4. Check the box next to “Recurs Every Year” to have your alert repeat annually. 5. Enter a message. 6. Select a delivery method and enter the corresponding information. 7. Click the Create Alert button when you are finished.

Security: Alerts Overview

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

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

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A. When you first sign into CrossFirst Bank’s moblie app, you have the option to enable push notifications for alerts by tapping the Allow button. B. To enable or disable push notifications at a later time, in the Settings tab, tap Push Notification Enrollment . 1. Use the Enable Notifications switch to enable or disable push notifications. 2. Tap the respective Alert Settings tab to edit alerts and their delivery preferences. (See Alerts Overview section starting on page 34 for more information.) Security: Enabling and Disabling Push Notifications

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Security Secure Message Overview

If you have questions about your accounts or need to speak with someone at CrossFirst Bank, Secure Messages allow you to communicate directly with our Client Care Team. From the Secure Messages page, you can find replies, old messages, or create new conversations.

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D3 Click the Messages tab . A. Click on a message to open it. Messages are displayed on the left side of the screen. B. Messages automatically delete after a certain time. Check the box next to “This message should never expire” to prevent that message from being erased. C. Delete an opened message by clicking the icon or reply by clicking the icon. D. You can delete multiple messages at once. 1. Click the “Delete multiple” link. 2. Check the box next to the corresponding messages or check the box next to “Select All.” 3. Click the “Delete” link and then the Delete button to permanently delete the selected messages.

Security: Secure Message Overview

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Security Sending a Secure Message

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

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

icon in the top right corner.

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

Security: Sending a Secure Message

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Transaction Types Transfers and Payments Overview

Digital banking gives you the ability to transfer funds. Whether you are transferring money between your accounts or sending money to someone outside of CrossFirst Bank, there are various features that help you transfer funds. • Transfer Money : Move money between your personal CrossFirst Bank or external accounts.

• Client to Client Transfer : Move money to someone else’s CrossFirst Bank accounts.

• Zelle: Electronically move money through a person-to-person payment platform.

Transaction Types: Transfers and Payments Overview

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• Loan Payment : Make a payment on your CrossFirst Bank loan.

Note : Make certain you know the person you are sending money to when using Zelle.

• Bill Pay : Add, schedule, and manage bill payments.

Transaction Types: Transfers and Payments Overview

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Transactions Transfer Money

Make a one-time or recurring transfer to or from your CrossFirst Bank accounts.

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

Transactions: Transfer Money

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

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

Transactions: Transfer Money

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Transactions Client to Client Transfer

Transfer funds to antoher CrossFirst Bank account holder.

Linking a CrossFirst Bank Account Instead of typing in someone’s information every time you send them money, you can conveniently link their account for future deposits.

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In the Transfers & Payments tab, click Client to Client Transfer . 1. Click the Link Account button. 2. Enter the recipient’s account number 3. Select an account type from the “Account Type” drop-down. 4. Enter the first four characters of the recipient’s last name. 5. Click Submit when you are finished.

Note : To review or cancel a Client to Client Transfer, visit the Activity Center.

Transactions: Client to Client Transfer

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Single Transfers Between CrossFirst Bank Accounts If you only need to send money to someone once, you can generate a single transaction.

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8 In the Transfers & Payments tab, click Client to Client Transfer . 1. Click the Single Transfer button. 2. Select the account to take funds from using the “From Account” drop-down. 3. Enter an amount. 4. Enter a description of your transfer. 5. Enter the recipient’s account number. 6. Select the recipient’s account type using the “Account Type” drop-down. 7. Enter the first four character of the recipient’s last name. 8. Click Submit when you are finished .

Transactions: Client to Client Transfer

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Transactions Send Money with Zelle ® Setup

Zelle ® is a fast, safe and easy way to send money directly between almost any bank account in the U.S., typically within minutes.* With just an email address or U.S. mobile phone number, you can send money to people you trust, regardless of where they bank.* Initial Setup

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In the Transfers & Payments tab, click Zelle®. 1. Choose or add a new email address or mobile number to have a 6-digit verification code sent to. 2. Enter the 6-digit verification code. 3. Choose your primary account. * U.S. checking or savings account required to use Zelle®. Transactions between enrolled consumers typically occur in minutes and generally do not incur transaction fees. In order to be eligible to use Zelle® at CrossFirst Bank, you must be at least 18 years of age and have an address in the United States. Your account must be in good standing with no delinquencies. We do not make Zelle® available for use with Share Builder, Business or H.S.A. accounts. Zelle and the Zelle related marks are wholly owned by Early Warning Services, LLC and are used herein under license.

Transactions: Send Money with Zelle® Setup

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Adding a Recipient

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In the Transfers & Payments tab, click Zelle® . 1. Click the icon. 2. Enter the recipient’s U.S. mobile number or email. 3. Enter the recipient’s name. 4. Click the Add and Continue button.

Transactions: Send Money with Zelle® Setup

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Transactions Send Money with Zelle ®

Send money to anyone you know and trust using only their name and contact information. 1

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In the Transfers & Payments tab, click Zelle® . 1. Click the Send tab. 2. Select a recipient. 3. Enter amount to send. 4. Use the drop-down to select an account to send funds from. 5. Click the Review button. 6. (Optional) Enter a reason for the payment. 7. Click the Send button.

Note : If your contact isn’t registered with Zelle ® , they will be sent a notice about your payment that asks them to register. Your contact will receive your money within 3 business days after registering with Zelle ® (or on the delivery date, whichever is later).

Transactions: Send Money with Zelle®

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Transactions: Send Money with Zelle®

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Transactions Request Money with Zelle ®

Request money from any CrossFirst Bank client or non-client using only their name and contact information.

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In the Transfers & Payments tab, click Zelle® . 1. Click the Request tab. 2. Select a recipient. 3. Enter amount to send. 4. Use the drop-down to select an account to send funds to. 5. Click the Review button. 6. (Optional) Enter a reason for the payment. 7. Click the Request button.

Transactions: Request Money with Zelle®

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Transactions Split Payment with Zelle ®

Split a payment between multiple people.

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In the Transfers & Payments tab, click Zelle® . 1. Click the Split tab. 2. Select recipients. 3. Enter amounts to split. 4. Use the drop-down to select an account to send funds from. 5. Click the Review button. 6. Enter amounts for each recipient to split. 7. Click the Split button. 8. (Optional) Enter a reason for the payment. 9. Click the All Done button to complete transaction.

Transactions: Split Payment with Zelle®

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Transactions Zelle ® Settings

Update your email address or phone number, change your primary account, or edit a contact’s information.

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In the Transfers & Payments tab, click Zelle® then click the Settings tab. A. Click the plus icons to add a new email or mobile number. B. Use the drop-down to change your primary account. C. Use the drop-down to change where your notifications are sent. D. Click on a contact to edit or delete their information.

Transactions: Zelle® Settings

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Transactions Adding a Personal External Account

Your accounts at other financial institutions can be linked so you can transfer money between external accounts.

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In the Account Services tab, click Manage External Accounts . 1. Enter the account number. 2. Enter the financial institution’s routing number. These numbers are located at the bottom of a paper check or deposit slip.

3. Select the type of account. 4. Click the Submit button.

In two to three business days, two micro-deposits will appear in your external account. Once you receive the deposits, go to the Manage External Accounts tab to Verify to finish adding the account.

Transactions: Adding a Personal External Account

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Transactions Verifying a Personal External Account As soon as CrossFirst Bank makes the deposits into your external account, you are asked to verify those amounts within digital banking. Once they are confirmed, you can begin transferring money to the external account.

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In the Transfers & Payments tab, click Verify External Account . 1. Select the account you would like to verify. 2. Enter the amounts of the two micro-deposits made into your external account. 3. Click the Continue button when you are finished.

Transactions: Verifying a Personal External Account

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Transactions Loan Payments

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

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In the Transfers and Payments tab, click on Loan Payment . 1. Using the “From” and “To” drop-downs, select the account the funds will be taken from and the account you wish to post the payment. 2. Select your payment type using the “Payment Type” drop-down. 3. Enter the amount of the payment.

Transactions: Loan Payments

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4. Click the check box for recurring transaction. 5. If you would like to set up a recurring payment, follow the steps below. a. Check the box next to “Make this a recurring transaction” to repeat the transfer. b. Select the payment frequency using the drop-down. c. Enter a start and end date for this transaction using the calendar features. d. If your transaction doesn’t have an end date, check the box next to “Repeat Forever.” 6. (Optional) Enter a memo. 7. Click the Submit button when you are finished.

Transactions: Loan Payments

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Transactions Activity Center Overview

All transactions initiated through digital banking appear in the Activity Center.

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In the Transfers & Payments tab, click Activity Center . A. Click an appropriate tab to view Single Transactions , Recurring Transactions or Deposited Checks. B. Use the search bar to find transactions within that account.

C. Print the Activity Center page by clicking the

icon. Export your

transactions into a different format by clicking the

icon.

D. Click the

icon next to the Created, Status, Transaction Type, Account, or

Amount columns to sort transactions.

E. Click on a transaction to view more details. F. Click the icon to perform additional functions.

Transactions: Activity Center Overview

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Using Filters The Activity Center can be customized using various filters. You can also choose up to six columns to display, so you can swiftly find what you’re looking for.

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In the Transfers & Payments tab, click Activity Center . 1. Click the

icon to create a custom view of your transactions.

2. Create a custom list of transactions using these filters. 3. Filter the type of transaction you are looking for using the “Transaction Type” drop-down. Column names with check boxes appear. Select up to six boxes. 4. Click the Apply button when you are finished. Creating or Deleting Custom Views Using Favorites After applying specific filters, you can save that view of the Activity Center to Favorites, making it easier and faster to search, print, or export transactions. You can delete favorites if they are no longer useful.

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In the Transfers & Payments tab, click Activity Center . 1. Click the icon. 2. Click the “+ Save as New” link to create a new favorite template. 3. Enter a nickname for your new custom view. 4. Click the Save button when you are finished. 5. Click the X icon to remove a custom view from your Favorites.

Transactions: Activity Center Overview