Fidelity Bank Business Online Banking User Guide

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BUSINESS ONLINE BANKING USER GUIDE

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

St. Louis, MO 63021 www.mcompany.com

© 2009–2026 Murphy & Company, Inc. Macintosh is a trademark of Apple Inc., registered in the U.S. and other countries. Android is a trademark of Google LLC. Adobe Reader is a registered trademark of Adobe Systems, Inc. © 2012

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

Revised 12/2025

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Welcome Welcome to Online and Mobile Banking with Fidelity Bank! Whether you are at home or at the office using a mobile phone, tablet or laptop, we strive to make your Online and Mobile Banking experience easy and convenient. You can navigate this guide by clicking a topic or feature in the Table of Contents. Each section provides an overview and steps to help you during the Online and Mobile Banking process. If you have additional questions, please contact us at 1-855-547-1385.

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Table of Contents Getting Started

New Business Enrollment............................................................................................9 Logging In.....................................................................................................................10 Logging Off ........................................................................................................................... 10 Unlock/Forgot Password............................................................................................11 Retrieve a Forgotten User ID .....................................................................................12 Multiple Profiles Overview.........................................................................................13 Security Password Security Check ...........................................................................................14 General Guidelines .............................................................................................................. 14 Login ID and Password........................................................................................................ 14 Fraud Prevention ................................................................................................................. 14 Alerts ............................................................................................................................15 Enrolling in Alerts................................................................................................................. 15 Enable/Disable Alerts .......................................................................................................... 16 Editing Alerts ........................................................................................................................ 17 Notifications Settings .......................................................................................................... 18 Notifications History............................................................................................................ 19 Administrators Overview ......................................................................................................................20 Setting Up a New User ...............................................................................................22 Setting Up a New User’s Entitlements......................................................................25 Accounts (Mobile Deposit, Stop Payments)...................................................................... 26 ACH - Setting Limits ............................................................................................................. 27 ACH - ACH Pass-Thru (i.e. NACHA Files) ............................................................................ 27 ACH - Initiate......................................................................................................................... 28 ACH - Manage Batches & Participants............................................................................... 28 ACH - SEC Codes................................................................................................................... 29 Bill Pay and Cards ................................................................................................................ 29 Entitlements ......................................................................................................................... 29 Transfers ............................................................................................................................... 30 Wires...................................................................................................................................... 31 Zelle ®..................................................................................................................................................................................................................................... 32 Account ................................................................................................................................. 33 Profiles .................................................................................................................................. 33 Editing a User’s Entitlements.....................................................................................34 Deleting a User............................................................................................................36

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Accounts Account Summary.......................................................................................................37 Account Details Overview ..........................................................................................39 Edit Accounts View......................................................................................................41 Download Transactions ............................................................................................42 Statements & Notices Viewing Your Statements...........................................................................................43 Stop Payments Written Check .............................................................................................................44 Single Check or Range of Checks .............................................................................45 Stop Payment History ................................................................................................46 WebConnect WebConnect Overview ..............................................................................................47 Fraud Prevention Fraud Prevention Overview ......................................................................................48 Transfer & Pay Internal Transfers & Loan Payments........................................................................49 External Transfers.......................................................................................................51 Adding an External Account ............................................................................................... 51 Verifying an External Account ............................................................................................ 53 Deleting an External Account ............................................................................................. 54 Making an External Account Transfer ............................................................................... 55 Editing an External Account Transfer................................................................................ 57 Deleting an External Account Transfer ............................................................................. 58 Transfer Activity ..........................................................................................................59 Editing Transfers .................................................................................................................. 59 Canceling Transfers ............................................................................................................. 61 Intrabank Accounts.....................................................................................................62 Adding an Intrabank Transfer Account ............................................................................. 62 Deleting an Intrabank Transfer Account........................................................................... 63 Bill Pay Enrollment ...................................................................................................................64 Overview ......................................................................................................................65

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Adding a Bill.................................................................................................................66 Known Company.................................................................................................................. 66 Unknown Company ............................................................................................................. 68 Person ................................................................................................................................... 69 Editing a Biller..............................................................................................................70 Deleting a Biller ...........................................................................................................71 eBills .............................................................................................................................72 Schedule Payments ....................................................................................................73 Automatic Payments ..................................................................................................74 Editing Pending Payments .........................................................................................76 Cancel Pending Payments .........................................................................................77 Viewing Transaction Details.......................................................................................78 Single Transaction................................................................................................................ 78 Creating a Reminder...................................................................................................79 Editing Reminders.......................................................................................................81 Deleting Reminders ....................................................................................................82 Card Services SpendTrack Overview.................................................................................................83 Through Online Banking ..................................................................................................... 83 Direct Login........................................................................................................................... 84 Mobile App............................................................................................................................ 84 Add a Card to a Digital Wallet....................................................................................85 Add a Card to Your Wallet App........................................................................................... 85 Zelle ® Send Money with Zelle ® Setup ..................................................................................86 Initial Setup........................................................................................................................... 86 Adding a Recipient............................................................................................................... 88 Send Money with Zelle ®................................................................................................................................................................ 89 Request Money with Zelle ® ...................................................................................................................................................... 91 Split Payment with Zelle ®.................................................................................................................................................. 92 Editing a Pending Payment........................................................................................93 Canceling Pending Activity.........................................................................................94 Zelle ® Settings..............................................................................................................95 ACH Adding an ACH Participant ........................................................................................96 Editing an ACH Participant.........................................................................................98 Deleting an ACH Participant ......................................................................................99 Payment Template Overview ................................................................................. 100

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Creating a Template ................................................................................................ 101 Adding Participants to a Template ........................................................................ 103 Manual ............................................................................................................................... 103 Importing Participants Using a CSV File ......................................................................... 105 Finalizing a Template............................................................................................... 107 Initiating a One-Time Template.............................................................................. 108 Initiating a Recurring Template.............................................................................. 109 Editing a Template ................................................................................................... 111 Deleting a Template ................................................................................................ 112 One-Time ACH Payment ......................................................................................... 113 ACH Activity Overview ............................................................................................. 116 Canceling an ACH Batch.......................................................................................... 117 NACHA Import.......................................................................................................... 118 Customize Participant Import ................................................................................ 121 Participant Import Templates ......................................................................................... 121 Import Participants from a CSV File................................................................................ 123 Import Templates and Participants from a NACHA File............................................... 124 Non-NACHA Import ................................................................................................. 125 Wires Adding a Domestic Wire Payee .............................................................................. 126 Payee Information ............................................................................................................ 126 Payee Financial Information............................................................................................ 127 Intermediary Financial Institution (Optional) ................................................................ 128 Additional Intermediary Financial Institution (Optional) ............................................. 129 Save Payee......................................................................................................................... 129 Adding an International Wire Payee...................................................................... 130 Payee Information ............................................................................................................ 130 Payee Financial Information............................................................................................ 131 Intermediary Financial Institution (Optional) ................................................................ 132 Additional Intermediary Financial Institution (Optional) ............................................. 133 Save Payee......................................................................................................................... 133 Editing a Wire Payee ................................................................................................ 134 Deleting a Wire Payee ............................................................................................. 135 Initiating a Wire ........................................................................................................ 136 Wire Activity Overview............................................................................................. 138 Editing a Wire Transfer............................................................................................ 139 Canceling a Wire Transfer....................................................................................... 140

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Profile Profile Updates......................................................................................................... 141 Contact Information ......................................................................................................... 141 Change Password ............................................................................................................. 142 Stopped Numbers............................................................................................................. 143 Statement Preference ...................................................................................................... 144 Tax Documents ................................................................................................................. 145 Settings...................................................................................................................... 146 Authorized Devices........................................................................................................... 146 Fast Balances Devices ...................................................................................................... 147 Deleting a Device .............................................................................................................. 147 Fast Balances Accounts.................................................................................................... 148 Authorized Apps................................................................................................................ 149 Accepted Disclosures ....................................................................................................... 150 Messages Overview ................................................................................................. 151 Sending a Secure Message .............................................................................................. 152 Mobile Banking Download Mobile Application ................................................................................ 153 Mobile Deposits ....................................................................................................... 154 Deposit History.................................................................................................................. 155 Authorized Device Enrollment (Biometrics).......................................................... 156 Enroll an Authorized Device ............................................................................................ 156 Unenroll an Authorized Device ....................................................................................... 156 Fast Balances............................................................................................................ 157 Adding a Device................................................................................................................. 157 Deleting a Device .............................................................................................................. 157 Adding an Account............................................................................................................ 158 To Use Fast Balances........................................................................................................ 158

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Getting Started New Business Enrollment

If you’re new to Online and Mobile Banking with Fidelity Bank, you need to complete the enrollment process the first time you log in. Once you complete these few quick steps, you’ll be on your way to banking everywhere you go! The step-by-step instructions in this section are taken from a desktop computer. The process is nearly identical from your mobile device. 1. Go to fidelitybanknc.com. 2. Click the Log In button. 3. Click the “Business” link. 4. Complete the New Business Enrollment form on our website and click the Submit button. 5. A branch associate will contact you to complete the enrollment process.

Getting Started: New Business Enrollment

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Getting Started Logging In

After your first-time enrollment, logging in is easy and only requires your username, password, and verification code, if prompted.

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1. Click the Log In button. 2. Enter your user ID and password. 3. Click the Log In button.

Logging Off For your security, you should always log off when you finish your Online and Mobile Banking session. We may also log you off due to inactivity.

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1. Click the “Log Out” link in the upper right corner.

Getting Started: Logging In

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Getting Started Unlock/Forgot Password

If you happen to forget your password or lock yourself out due to invalid password attempts, you can easily reestablish a new one from the Fidelity 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. Enter your user ID, last name, email address and mobile phone. 4. Click the Submit button. 5. You will receive a verification code. Enter the verification code and update your password.

Getting Started: Unlock/Forgot Password

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Getting Started Retrieve a Forgotten User ID

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

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1. Click the Log In button. 2. Click the “Forgot User ID?” link. 3. Enter your account number, use the drop-down to select your account type, last name, email address and mobile phone. 4. Click the Submit button. 5. You will receive an email that includes your User ID.

Getting Started: Retrieve a Forgotten User ID

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Getting Started Multiple Profiles Overview

Fidelity Bank Business Online Banking lets you conveniently link all your business and personal accounts, including those from multiple businesses, under a single login. This makes it easier to view and manage your finances in one place. If you have multiple businesses and/or your personal accounts linked under one online banking log in, you may be prompted to select a profile before transacting business on certain pages within online banking such as Bill Pay, Cards, and Zelle ® .

If you would like to link profiles in Fidelity Bank Business Online Banking, please contact your local branch.

Getting Started: Multiple Profiles Overview

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Security Password Security Check

At Fidelity Bank, we work hard to protect your personal information and provide you with a dependable online and mobile banking experience. However, we rely on you to take further precautions to assure the safety of your accounts. By following our tips, Online and Mobile Banking can be a secure and efficient method for your banking needs. General Guidelines • Make sure your operating system and antivirus software are up to date. • Always use secure wireless (WiFi) networks that require a login ID and password. • Never leave your computer unattended while using Online and Mobile Banking. • Monitor your recent account history for unauthorized transactions. • Always log off Online and Mobile 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 or use a password manager to securely save your passwords on your devices. • Only register personal devices. Fraud Prevention • Do not open email attachments or click on links from unsolicited sources. • Avoid giving out personal information, such as your login credentials and verification code over the phone or through email. • Shred unwanted sensitive documents including receipts, checks, deposit slips, pre-approved credit card offers and expired cards. • Act quickly. If you suspect your financial information is compromised, call us immediately at 1-855-547-1385.

Security: Password Security Check

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Security Alerts

Get informed of things happening with your account securely and in real time. For example: To prevent yourself from overdrawing your account, set up a real time alert. An alert notifies you either by text or email if your balance falls below a certain limit or if a transaction exceeds a specific limit.

Enrolling in Alerts

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In your name drop-down, select Settings and then Alerts . 1. Review the Terms and Conditions and click the Accept button. 2. Enter your first and last name and click the Next button. 3. Click the Close button when you are finished.

Security: Alerts

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Enable/Disable Alerts

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In your name drop-down, select Settings and then Alerts . 1. Use the toggles to enable or disable alerts. 2. When enabling an alert: a. Use the toggles to enable the alert for each of your accounts.

b. If necessary, enter an amount. c. Select a notification method. d. Click the Add button

Security: Alerts

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Editing Alerts

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In your name drop-down, select Settings and then Alerts . 1. Select an alert. 2. Make the necessary edits to the alert. 3. Click the Update button.

Security: Alerts

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Notifications Settings

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In your name drop-down, select Settings and then Alerts . Then click the “Notifications Settings” link. A. Use the drop-down to select a time zone. B. Click the “+ Add” link to add a new notification method. C. Click the X to delete a notification method.

Security: Alerts

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Notifications History Easily view your notification history.

In your name drop-down, select Settings and then Alerts . Then click the “Notifications History” link.

Security: Alerts

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Administrators Overview

Business Online and Mobile Banking lets you set up multiple users with different responsibilities. Each user should be created with their own unique login ID and password. Each user is assigned a set of user entitlements that permits or prevents them from performing certain actions such as:

• Sending or drafting payments and creating templates. • Limits for creating transactions (ACH, Wires, Transfers). • Accessing specific accounts. • Managing recipients, users and templates.

Business Administrators can set up the features, accounts and entitlements each user needs to do their job. Establishing these entitlements gives users permission to perform specific tasks, helping you manage your business and keep it running as smoothly as possible. If you would like the ability to add or edit a user, please contact your local branch.

Administrators: Overview

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The Users page lets you view all your existing users in one easy place. From here, you can create users, edit entitlements and oversee your employees on a day-to day basis.

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Click your name in the top right corner. In the Settings tab, click Users . A. You can sort your users by Name, User ID, Status and Last Login. B. The following information presents for each user: • Name • User Type • User ID • Status • Last Login C. Click the icon to edit a user. D. Click the icon to edit a user’s entitlements. E. Click the icon to delete a user. F. Click the Add User button to add a user.

Administrators: Overview

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Administrators Setting Up a New User

You can set up a new user by creating a profile, unique user ID and password. Once you establish a user and their login credentials, you can begin assigning user entitlements.

Note: If you would like the ability to add or edit a user, please contact your local branch.

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Click your name in the top right corner. In the Settings tab, click Users . 1. Click the Add User button. 2. Enter a user ID. User ID cannot contain the last name, date of birth, or SSN. 3. Enter and confirm a temporary password. Passwords must be 9 – 32 characters long and must contain: a lowercase letter, an uppercase letter, a number, and a special character (~!@#$%^&*()[]{}<>_+-=/|\.,:;`’”?). 4. Select a status.

Administrators: Setting Up a New User

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5. (Optional) Enter the user’s title. 6. Enter the user’s first name. 7. (Optional) Enter the user’s middle name. 8. Enter the user’s last name. 9. (Optional) Enter the user’s suffix. 10. (Optional) Enter the user’s birth date. 11. (Optional) Enter the user’s social security number. 12. Enter the user’s email address. 13. Enter the user’s home number, mobile number (Required) or work number and extension. 14. (Optional) Enter the user’s street address, city, state and zip code. 15. Click the Save button.

Administrators: Setting Up a New User

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16. Choose the contact method that allows Fidelity Bank to reach you immediately with a confirmation code. 17. Enter the confirmation code and click the Submit button.

Administrators: Setting Up a New User

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Administrators Setting Up a New User’s Entitlements

You can assign or edit a user’s entitlements based on which responsibilities and limitations a user has regarding certain transactions.

Note: If you would like the ability to add or edit a user, please contact your local branch.

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1. (Optional) Use the drop-down to select a user to copy entitlements from. Click the OK button when you are finished. 2. (Optional) If the user is going to be an Administrator (with full access), check the box for business administrator, and click the Save button. 3. If the user will not be an administrator, click the Limit Check box to prefill the entitlements and limits that are established for your business. 4. If this user should not have access to an entitlement uncheck the applicable box. If the user should have a lower limit than the business limit, use the open text box on the right to enter a lesser amount.

Administrators: Setting Up a New User’s Entitlements

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Accounts (Mobile Deposit, Stop Payments) Deposit Checks (i.e. mobile deposit): • Maximum Transaction Limit: maximum amount the user can deposit in one transaction • Maximum Daily Limit: maximum total deposit amount per day • Stop Payments: uncheck the box if the user should not have access to place stop payments

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1. Check the box next to “Accounts” to enable the entitlement and expand the options. 2. To enable specific access, check the boxes next to the entitlements you would like to enable. If necessary, enter a limit for each transaction type.

Note: Additional Business Solutions Support may be required if the Risk Management Services entitlement is enabled for a user.

Administrators: Setting Up a New User’s Entitlements

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ACH - Setting Limits The business’ approved ACH limits will appear in the following boxes. If the user should have a lower limit than the business limit, use the open text box on the right to enter a lesser amount. 1

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ACH - ACH Pass-Thru (i.e. NACHA Files)

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Administrators: Setting Up a New User’s Entitlements

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ACH - Initiate

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1. Check the box next to “Initiate” to enable the entitlement and expand the options. 2. To enable specific access, check the boxes next to the entitlements you would like to enable. If necessary, enter a limit for each transaction type. 3. Check the box for recurring, to enable recurring batches.

ACH - Manage Batches & Participants

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1. Check the box next to “Manage Batches & Participants” to enable the entitlement and expand the options. 2. To enable specific access, check the boxes next to the entitlements you would like to enable.

Administrators: Setting Up a New User’s Entitlements

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ACH - SEC Codes SEC Codes (how the ACH files are coded): uncheck codes that the user should not access.

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1. To enable specific access, check the boxes next to the entitlements you would like to enable. (All are recommended.)

Bill Pay and Cards

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1. Check the box next to “Bill Pay” or “Cards” to enable the entitlement.

Entitlements

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1. Check the box next to “Manage Users” to enable the entitlement if the user should have access to add, delete, or modify other users.

Administrators: Setting Up a New User’s Entitlements

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Transfers

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1. Check the box next to “Transfers” to enable the entitlement and expand the options. 2. Maximum Transaction Limit/Maximum Daily Limit: Leave this field with a dash, to indicate there is no limit/unlimited, or enter the desired transfer limits. This will allow the user to move money internally between business accounts at Fidelity Bank. 3. Use the drop-down to select the required number of approvals. 4. External Transfers: uncheck this box if the user should not have access to conduct External Transfers (move money to/from accounts at another institution) and/or manage External/Intrabank (unlinked) accounts. 5. To enable specific access, check the boxes next to the entitlements you would like to enable. If necessary, enter a limit for each transaction type.

Administrators: Setting Up a New User’s Entitlements

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Wires

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1. Check the box next to “Wires” to enable the entitlement and expand the options. 2. Use the drop-down to select the required number of approvals. 3. Approve and Reject: uncheck this box if the user should not have authority to approve and reject wires. 4. Initiate: • Maximum Transaction Review Threshold: if the user should have a lower limit than the business limit, use the open text box on the right to enter a lesser amount. • Maximum Transaction Hard Limit: if the user should have a lower limit than the business limit, use the open text box on the right to enter a lesser amount. • Maximum Daily User Review Threshold: if the user should have a lower limit than the business limit, use the open text box on the right to enter a lesser amount. • Maximum Daily User Hard Limit: if the user should have a lower limit than the business limit, use the open text box on the right to enter a lesser amount. • Maximum 7-Day Rolling Limit: Leave this field with a dash. • Maximum 30-Day Rolling Limit: if the user should have a lower limit than the business limit, use the open text box on the right to enter a lesser amount. • Recurring: uncheck this box if the user should not set recurring wires.

Administrators: Setting Up a New User’s Entitlements

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5. Manage Payee: uncheck this box if the user should not manage payees. 6. Wire Types: uncheck any wire type that the user should not have access to submit. • Domestic: Wires sent within the United States (only). • Freeform: Give this option to all Wire users. • International: if checked, international wires can be sent. If the ‘use Foreign Currency’ option is checked, the user can send in other currencies.

Zelle ®

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1. Check the box next to “Zelle ® ” to enable the entitlement.

Administrators: Setting Up a New User’s Entitlements

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Account Decide which accounts the user will have access to and which specific tasks within an account, including viewing the account and making transfers, will be enabled.

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1. Check the boxes to enable certain accounts for certain entitlements.

Profiles

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1. Check the boxes to enable certain profiles for access to certain products. 2. Click the Save button when you are finished.

Administrators: Setting Up a New User’s Entitlements

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Administrators Editing a User’s Entitlements

An administrator with the Manage Users entitlement will need to login to online banking to edit users. You can make changes to existing users at any time. This is especially beneficial if someone’s job title changes or their approval limits need to be adjusted , or if a user needs a password reset.

Note: If you would like the ability to add or edit a user, please contact your local branch.

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Click your name in the top right corner. In the Settings tab, click Users . 1. Click the icon to change the user’s personal information (name, email, phone, etc.), unlock a user or reset their password. To edit their entitlements, click the icon.

Administrators: Editing a User’s Entitlements

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2. Make the necessary changes to the user and click the Save button when you are finished.

Note: Any changes will be highlighted with a yellow-orange color so it’s easy to see.

Administrators: Editing a User’s Entitlements

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Administrators Deleting a User

You have the ability to permanently delete a user that is no longer needed. This deletes their contact information from the Users page and deactivates their Business Online and Mobile Banking login ID, but it does not erase the data from any existing payments.

Note: If you would like the ability to add or edit a user, please contact your local branch.

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Click your name in the top right corner. In the Settings tab, click Users . 1. Find the user you want to remove and click the icon. 2. Click the OK button.

Administrators: Deleting a User

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Accounts Account Summary

After logging in, you are taken directly to the Account Summary. From here, you can navigate to every feature within online and mobile banking. You can view the balances in your accounts, see your account summaries and more!

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Accounts: Account Summary

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A. Use the navigation menu to navigate to online and mobile banking features by selecting the appropriate tab. B. Your accounts are displayed with their available and current balances. If you click an account, you are taken to the Account Details page. C. The “Edit accounts View” link allows you to choose the accounts you’d like to appear within the account summary and which order they appear in. 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. Go to page 41 for more information. D. Click the “Download Transactions” link to download a your transactions. Go to page 42 for more information. E. Click the Get Started button to go to the Transfer & Pay page. F. Click the “Bill Pay Center” link to go to the Bill Pay page. Go to page 64 for more information.

Accounts: Account Summary

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Accounts Account Details Overview

Selecting a Fidelity Bank account on the Account Summary page takes you to the Account Details page, where you can view every transaction pertaining to that account.

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Accounts: Account Details Overview

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A. On the Account Summary page, select an account to view the Account Details screen. B. The available balance and current balance of your account is displayed in the top left corner. C. The “Search” link opens the search bar to sort and find transactions within that account. D. Export your transactions by clicking the “Download” link and selecting your desired file format. E. Use the arrows to sort your transactions. F. Select a transaction to view more details. G. Click the “View Images” link to view images associated with the transactions. You can then click the “Print” link to print the images. H. Click the “Internal Transfers & Loan Payments” link to make an internal transfer or loan payment. Go to page 49 for more information. I. Click the “Details” link to view additional details about the account, including payment amount due, interest rate, payoff amount, and full account number. J. Click the “Statements” link to go to Statements and Notices. Go to page 43 for more information. K. Click the “Alerts” link to go to Alerts. Go to page 15 for more information.

Accounts: Account Details Overview

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Accounts Edit Accounts View

This screen allows you to order accounts within each category on the Account Summary page. Please note, accounts will remain grouped together by account type. For example, all checking accounts will be in the same section.

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On the Account Summary page, click the “Edit Accounts View” link. A. Drag the icon to rearrange your accounts. B. Click the icon to make an account viewable or not viewable. C. Click the “Reset” link to reset your accounts. D. Click the “Show All” link to show all of your accounts. E. Click the Save button to save your changes.

Accounts: Edit Accounts View

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Accounts Download Transactions

Easily download transaction lists. • Comma Separated File (.csv): 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. • Quicken (.qif): This method allows you to download account information to your desktop as a Quicken supported file.

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On the Account Summary page, click the “Download Transactions” link. 1. Use the drop-down to select a transaction date. 2. Use the drop-down to select a transaction type. 3. Use the drop-down to select an export format. 4. Check the box next to the account(s) you would like to download transactions for. 5. Click the Download button.

Accounts: Download Transactions

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Statements & Notices Viewing Your Statements

The Statement and Notices feature is a great virtual filing system, saving paper and space in your home or office by allowing you to view and store your statements electronically. Go to page 144 for more information about changing your statement preferences.

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In the Accounts tab, click Statements & Notices . 1. Click the “Search” link to view your search options. 2. Use the drop-down to select an account. 3. Enter a date range. 4. Use the drop-down to select a document type name. 5. Use the drop-down to select a category. 6. Click the Search button.

Statements & Notices: Viewing Your Statements

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Stop Payments Written Check

If a check you’ve written has been lost or stolen, you can initiate a stop payment request to prevent that check from being processed.

Note: If you have access to Positive Pay, you will need to navigate to Fraud Prevention Tools to make a stop payment.

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In the Accounts tab, click Stop Payments . 1. Use the drop-down to select a stop payment account.

2. Select “Written Check.” 3. Enter the check number. 4. Enter the check amount. 5. (Optional) Enter a payee. 6. Enter a check date. 7. Use the drop-down to select a reason. 8. Click the Submit button.

Stop Payments: Written Check

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Stop Payments Single Check or Range of Checks

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In the Accounts tab, click Stop Payments . 1. Use the drop-down to select a stop payment account. 2. Select “Single Check or Range of Checks.” 3. Enter the check number range. 4. Use the drop-down to select a reason. 5. Click the Submit button.

Stop Payments: Single Check or Range of Checks

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Stop Payments Stop Payment History

View a list of previously stopped payments.

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In the Accounts tab, click Stop Payments . 1. Click the “Stop Payment History” link. 2. Use the drop-down to select an account. 3. Click the Search button.

Stop Payments: Stop Payment History

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WebConnect WebConnect Overview

Easily download transaction history to import into any Intuit product.

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In the Accounts tab, click WebConnect . 1. Use the drop-down to select an account. 2. Enter a date range.

3. Select a download format. 4. Click the Download button.

WebConnect: WebConnect Overview

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Fraud Prevention Fraud Prevention Overview

Fidelity Bank provides business customers with powerful fraud prevention tools designed to protect against check and electronic payment fraud. Through Business Online Banking and Mobile Banking, our Positive Pay service automatically detects and flags suspicious checks by matching issued check details with those presented for payment, helping prevent unauthorized transactions before they clear. Additionally, ACH Filter and ACH Block services offer control over electronic payments by allowing you to authorize specific ACH debits while blocking or returning unauthorized ones. These tools help to reduce financial risk, streamline account monitoring, and will give you greater peace of mind. To access our Fraud Prevention tools:

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In the Accounts tab, click Fraud Prevention . 1. Click the Continue button to be connected to the ACH Filter, Positive Pay, and EDI platform. A new window will open. To enroll or learn more about Fidelity Bank Fraud Prevention services, please contact your local branch.

Fraud Prevention: Fraud Prevention Overview

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Transfer & Pay Internal Transfers & Loan Payments

Use the Internal Transfers & Loan Payments feature when you need to make a one-time or recurring transfer between your Fidelity Bank accounts or make a Fidelity Bank or Right By You Mortgage loan payment.

Note: For detailed information about your account, visit the Account Details page. Go to page 39 for more information.

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In the Transfers & Pay tab, click Internal Transfers & Loan Payments . 1. Using the “From” and “To” drop-downs, select the account the funds will be taken from and the account the funds will be posted to. 2. (For Loan Payments) Select your payment type using the “Payment Option” drop-down. Options may include payment due, other amount, principal only, and interest only. 3. Enter the amount of the transfer or payment. 4. Use the drop-down to schedule an immediate, future, or recurring transfer or payment.

Transfer & Pay: Internal Transfers & Loan Payments