Fidelity Bank Personal Online Banking User Guide

F Y B

PERSONAL ONLINE BANKING USER GUIDE

2

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

St. Louis, MO 63021 www.mcompany.com

© 2009–2025 Murphy & Company, Inc. Macintosh is a trademark of Apple Inc., registered in the U.S. and other countries. Android is a trademark of Google LLC. Adobe Reader is a registered trademark of Adobe Systems, Inc. © 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 8/2025

3

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.

4

Table of Contents Getting Started

New User Enrollment ...................................................................................................9 Logging In.....................................................................................................................10 Logging Off ........................................................................................................................... 10 Unlock/Forgot Password............................................................................................11 Retrieve a Forgotten User ID .....................................................................................12 Security Password Security Check ...........................................................................................13 General Guidelines .............................................................................................................. 13 Login ID and Password........................................................................................................ 13 Fraud Prevention ................................................................................................................. 13 Alerts ............................................................................................................................14 Enrolling in Alerts................................................................................................................. 14 Enable/Disable Alerts .......................................................................................................... 15 Editing Alerts ........................................................................................................................ 16 Notifications Settings .......................................................................................................... 17 Notifications History............................................................................................................ 18 Accounts Account Summary.......................................................................................................19 Account Details Overview ..........................................................................................21 Edit Accounts View......................................................................................................23 Download Transactions ............................................................................................24 Credit Score .................................................................................................................25 Enable Credit Score ............................................................................................................. 25 Viewing Credit Score............................................................................................................ 25 Statements & Notices Viewing Your Statements...........................................................................................26 Stop Payments Written Check .............................................................................................................27 Single Check or Range of Checks .............................................................................28 Stop Payment History ................................................................................................29 WebConnect WebConnect Overview ..............................................................................................30 Open An Account Online Account Opening Overview...........................................................................31

5

Transfer & Pay Internal Transfers & Loan Payments........................................................................32 External Transfers.......................................................................................................34 Adding a Personal External Account ................................................................................. 34 Verifying a Personal External Account .............................................................................. 36 Deleting External Account .................................................................................................. 37 Making an External Account Transfer ............................................................................... 38 Editing an External Account Transfer................................................................................ 40 Deleting an External Account Transfer ............................................................................. 41 Transfer Activity ..........................................................................................................42 Editing Transfers .................................................................................................................. 42 Canceling Transfers ............................................................................................................. 44 Intrabank Accounts.....................................................................................................45 Adding an Intrabank Transfer Account ............................................................................. 45 Deleting an Intrabank Transfer Account........................................................................... 46 Bill Pay Enrollment ...................................................................................................................47 Overview ......................................................................................................................49 Creating a Biller...........................................................................................................50 Known Company.................................................................................................................. 50 Unknown Company ............................................................................................................. 51 Person ................................................................................................................................... 52 Editing a Biller..............................................................................................................53 Deleting a Biller ...........................................................................................................54 Enabling eBills .............................................................................................................55 Paying eBills.................................................................................................................56 Canceling eBills Service for a Biller ...........................................................................57 Scheduling Payments .................................................................................................58 Single Payments................................................................................................................... 58 Multiple Payments ............................................................................................................... 59 Automatic Payments ..................................................................................................61 Automatic Payments for eBills ........................................................................................... 63 Edit Automatic Payments...........................................................................................64 Delete Automatic Payments ......................................................................................66 Rush Delivery...............................................................................................................68 Activity ..........................................................................................................................70 Editing Pending Payments .........................................................................................71 Canceling Pending Payments ....................................................................................73 Creating a Reminder...................................................................................................75 Editing Reminders.......................................................................................................77 Deleting Reminders ....................................................................................................79

6

Card Services CardControl Overview................................................................................................81 Manually Add a New Card .........................................................................................82 Activate a Card ............................................................................................................83 Card Lock/Unlock........................................................................................................84 Hide/Show Cards ........................................................................................................85 Set Primary Device......................................................................................................86 Add a Card to a Digital Wallet....................................................................................87 Add a Card from CardControl ............................................................................................ 87 Add a Card to Your Wallet App........................................................................................... 89 Make a Credit Card Payment.....................................................................................90 Transaction Enrichment.............................................................................................92 Card Details .................................................................................................................93 View Digital Card .................................................................................................................. 93 Spend Insights...................................................................................................................... 94 Card on File........................................................................................................................... 95 Card Controls & Alerts................................................................................................96 Locations............................................................................................................................... 96 Merchant Types.................................................................................................................... 98 Transaction Types................................................................................................................ 99 Spend Limits...................................................................................................................... 100 Alerts ......................................................................................................................... 101 Location Alerts................................................................................................................... 102 Merchant Alerts................................................................................................................. 103 Transaction Type Alerts.................................................................................................... 104 Spend Limit Alerts............................................................................................................. 105 CardControl Recent Transactions.......................................................................... 106 Manage Travel Plans................................................................................................ 107 Creating a Travel Plan....................................................................................................... 107 Editing a Travel Plan ......................................................................................................... 109 Deleting a Travel Plan....................................................................................................... 110 Report Card Lost/Stolen.......................................................................................... 111 Set PIN....................................................................................................................... 112 Zelle ® Send Money with Zelle ® Setup ............................................................................... 113 Initial Setup........................................................................................................................ 113 Adding a Recipient............................................................................................................ 114 Send Money with Zelle ®............................................................................................................................................................ 115 Request Money with Zelle ® .................................................................................................................................................. 117 Split Payment with Zelle ®.............................................................................................................................................. 118

7

Editing a Pending Payment..................................................................................... 119 Canceling Pending Activity...................................................................................... 120 Zelle ® Settings........................................................................................................... 121 My Finances My Finances Overview............................................................................................. 122 Wires Adding a Domestic Wire Payee .............................................................................. 123 Payee Information ............................................................................................................ 123 Payee Financial Information............................................................................................ 124 Intermediary Financial Institution (Optional) ................................................................ 125 Additional Intermediary Financial Institution (Optional) ............................................. 126 Save Payee......................................................................................................................... 126 Editing a Domestic Wire Payee............................................................................... 127 Deleting a Domestic Wire Payee ............................................................................ 128 Initiating a Domestic Wire....................................................................................... 129 Wire Activity Overview............................................................................................. 131 Editing a Wire Transfer............................................................................................ 132 Canceling a Wire Transfer....................................................................................... 133 Profile Profile Updates......................................................................................................... 134 Contact Information ......................................................................................................... 134 Change Password ............................................................................................................. 135 Stopped Numbers............................................................................................................. 136 Statement Preference ...................................................................................................... 137 Tax Documents ................................................................................................................. 138 Settings...................................................................................................................... 139 Authorized Devices........................................................................................................... 139 Fast Balances Devices ...................................................................................................... 140 Deleting a Device .............................................................................................................. 140 Fast Balances Accounts.................................................................................................... 141 Authorized Apps................................................................................................................ 142 Accepted Disclosures ....................................................................................................... 143 Messages Overview ................................................................................................. 144 Sending a Secure Message .............................................................................................. 145 Mobile Banking Download Mobile Application ................................................................................ 146 Mobile Deposits ....................................................................................................... 147 Deposit History.................................................................................................................. 148

8

Authorized Device Enrollment (Biometrics).......................................................... 149 Enroll an Authorized Device ............................................................................................ 149 Unenroll an Authorized Device ....................................................................................... 149 Fast Balances............................................................................................................ 150 Adding a Device................................................................................................................. 150 Deleting a Device .............................................................................................................. 150 Adding an Account............................................................................................................ 151 To Use Fast Balances........................................................................................................ 151

9

Getting Started New User 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 and screenshots 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 “Personal” link. 4. Confirm your identity with the required information, and click the Submit button. 5. A Verification Code will be sent to the phone number we have on file. Enter the verification code.

6. Create a new username and click the Next button. 7. Create a new password and click the Next button. 8. Once complete, your Accounts Summary screen will appear.

Getting Started: New User Enrollment

10

Getting Started Logging In

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

1

2

3

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.

1

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

Getting Started: Logging In

11

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!

1

2

3

4

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

12

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!

1

2

3

4

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

13

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 log in 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

14

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

3

2

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

Security: Alerts

15

Enable/Disable Alerts

1

2a

2b

2d

2c

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

16

Editing Alerts

1

2

3

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

17

Notifications Settings

A

B

C

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

18

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

19

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!

A

C

D

E

B

F

G

Accounts: Account Summary

20

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 23 for more information. D. Click the “Download Transactions” link to download a your transactions. Go to page 24 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 47 for more information. G. If activated your current credit score will be displayed on the right side of the screen. Click the Show my Score button or Show Full Report button for more information. Go to page 25 for more information.

Accounts: Account Summary

21

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.

A

I

H

J

B

K

C

D

E

F

G

Accounts: Account Details Overview

22

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 32 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 26 for more information. K. Click the “Alerts” link to go to Alerts. Go to page 14 for more information.

Accounts: Account Details Overview

23

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.

A

B

C

D

E

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

24

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.

1 2 3

4

5

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

25

Accounts Credit Score

Keep an eye on credit score and credit report changes with real time credit monitoring.

Enable Credit Score

1

2

On the Account Summary page, click the Show my Score button. 1. Authorize SavvyMoney to continuously obtain your credit report. 2. Click the Continue button to view your credit score information.

Viewing Credit Score

On the Account Summary page, click the Show Full Report button.

Accounts: Credit Score

26

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 137 for more information about changing your statement preferences.

1

2

3

4

5

6

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

27

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.

1

2

3

4

5

6

7

8

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. (Optional) Enter the check amount. 5. (Optional) Enter a payee. 6. (Optional) Enter a check date. 7. (Optional) Use the drop-down to select a reason. 8. Click the Submit button.

Stop Payments: Written Check

28

Stop Payments Single Check or Range of Checks

1

2

3

4

5

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. (Optional) Use the drop-down to select a reason. 5. Click the Submit button.

Stop Payments: Single Check or Range of Checks

29

Stop Payments Stop Payment History

View a list of previously stopped payments.

1

2

3

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

30

WebConnect WebConnect Overview

Easily download transaction history to import into any Intuit product.

1

2

3

4

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

31

Open An Account Online Account Opening Overview

Open a new account with Fidelity Bank without ever leaving home!

2

1

3

In the Accounts tab, click Open an Account . 1. Select Checking or Savings. 2. Select an account type and click the Open Account button. 3. Follow the required steps to open your new account.

Open An Account: Online Account Opening Overview

32

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 personal 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 21 for more information.

1

2

3

4

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

33

5

6a

6b

6c

9

6d

7

8

5. (Future One-Time Payments Only) Enter the send on date. 6. For Recurring Payments: a. Use the drop-down to select a frequency b. Enter a start date for this transaction. c. Use the drop-down to select a duration. d. If necessary, enter an end date or number of transfers. 7. (Optional) Enter a description. 8. Click the Continue button. 9. Review the transfer information and click the Transfer button.

Transfer & Pay: Internal Transfers & Loan Payments

34

Transfer & Pay External Transfers

Your accounts at other financial institutions can be linked to Fidelity Bank in Online and Mobile Banking, so you can easily transfer money or make a loan payment without ever leaving home!

Note: When you first access external transfers you will need to verify your identity using a verification code.

Adding a Personal External Account

1

In the Transfers & Pay tab, click External Transfers . 1. Click the “Add a New Account” link.

Transfer & Pay: External Transfers

35

2

3

4

5

6

2. Use the drop-down to select an account type. 3. (Optional) Enter an account nickname. 4. Enter the bank’s routing number. 5. Enter and re-enter the account number. 6. Click the Next button.

Transfer & Pay: External Transfers

36

Verifying a Personal External Account For security, you must verify each account you add before you can use it for transfers. • For online verification, you’ll be asked to provide your login credentials for the account you are adding. Online verification is quick and completely safe, and we never store your credentials. • If online verification is not available or if it fails, you can use the trial deposit verification, which takes 2-3 business days. When trial deposits are received, click the Preferences tab, then click Verify to enter trial deposit amounts.

Transfer & Pay: External Transfers

37

Deleting External Account You can easily delete an external account.

1

2

3

In the Transfers & Pay tab, click External Transfers . 1. Click the Preferences tab. 2. Under My Other Accounts, click the chevron next to the account you wish to delete. 3. Click the Delete Account button. 4. Click Delete again to confirm.

Transfer & Pay: External Transfers

38

Making an External Account Transfer Easily transfer money between your Fidelity Bank accounts and your accounts at other financial institutions. You can also use an external account to make a Fidelity Bank loan payment.

1

2

3

4

In the Transfers & Pay tab, click External Transfers . 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. Enter the amount of the transfer or payment. 3. Enter the send date. 4. Use the drop-down to select a frequency.

Transfer & Pay: External Transfers

39

5b

5a

5c

5d

6

5. For Recurring Payments:

a. Use the drop-down to select a frequency b. Enter a start date for this transaction. c. Use the drop-down to select a duration. d. If necessary, enter a specified amount, number of transfers or date. 6. (Optional) Enter a memo to self.

Transfer & Pay: External Transfers

40

Editing an External Account Transfer You can easily edit an external transfer. In the Transfers & Pay tab, click External Transfers . 1. Click the Activity tab. 2. Click the “Edit” link. 3. Make the necessary changes.

Transfer & Pay: External Transfers

41

Deleting an External Account Transfer You can easily delete an external transfer. In the Transfers & Pay tab, click External Transfers . 1. Click the Activity tab. 2. Click the “Edit” link. 3. Click the Cancel button.

Transfer & Pay: External Transfers

42

Transfer & Pay Transfer Activity

All transactions initiated through online and mobile banking appear in Transfer Activity.

Editing Transfers You can easily edit a transfer.

1

2

In the Transfers & Pay tab, click Transfer Activity . 1. Select the transfer you would like to edit. 2. Click the “Edit Transfer” link.

Transfer & Pay: Transfer Activity

43

4

3

3. Make the necessary changes and click the Continue button. 4. Review the transfer and click the Update button.

Transfer & Pay: Transfer Activity

44

Canceling Transfers You can easily cancel a transfer.

1

2

2

In the Transfers & Pay tab, click Transfer Activity . 1. Select the transfer you would like to cancel.

2. Click the “Cancel Transfer” link. 3. Click the Cancel Transfer button.

Transfer & Pay: Transfer Activity

45

Transfer & Pay Intrabank Accounts

If you have a friend or relative who banks with Fidelity Bank, Intrabank transfers allow you to send them money.

Adding an Intrabank Transfer Account

1

2

3

4

5

6

7

8

In the Transfers & Pay tab, click Intrabank Accounts . 1. Click the Add Account button. 2. Enter an account nickname. 3. Use the drop-down to select an account owner type. 4. Enter the first name of the account owner. 5. Enter the last name of the account owner. 6. Use the drop-down to select an account type. 7. Enter and confirm the account number. 8. Click the Add Account button.

Transfer & Pay: Intrabank Accounts

46

Deleting an Intrabank Transfer Account You can easily delete an intrabank transfer account.

1

2

In the Transfers & Pay tab, click Intrabank Accounts . 1. Click the chevron next the the account you wish to delete. 2. Click “Remove Account” link. 3. Click the Remove button to confirm.

Transfer & Pay: Intrabank Accounts

47

Bill Pay Enrollment

1

2

Click the Bill Pay tab. 1. Click the Sign Up For Bill Pay button. 2. Review the Terms of Service and click the Accept button.

Bill Pay: Enrollment

48

3

4

3. Review the Privacy Policy and click the Accept button. 4. Click the Get started button.

Bill Pay: Enrollment

49

Bill Pay Overview

Bill Pay with Fidelity Bank allows you to manage your payments from the convenience of your computer or mobile device. Use Bill Pay to safely schedule payments to any biller of your choice, set up bill reminders, and view payment history.

A

C

B

D

Click the Bill Pay tab. A. View a list of your unpaid bills. B. View a list of your billers. C. View your current account balances. D. View your recent activity.

Bill Pay: Overview

50

Bill Pay Creating a Biller

The individual who receives your payments is known as a biller. You can pay just about any company, loan or account using Bill Pay. The information printed on your bill is all you need to set up a company as a biller. When creating your biller, there are two types of companies you can add: known and unknown. Known Company If the company you need to pay is preloaded in our database, you have the option to set up eBills. For more information, visit page 56.

1

2

3

Click the Bill Pay tab. 1. Start entering the biller’s name and select it from the list. Then click the Add biller button. 2. Enter the required information. Fields may vary depending on which company you are adding. 3. Click the Add button when you are finished. 4. You can then either make a payment or click the Cancel button to return to the Bill Pay home page.

Bill Pay: Creating a Biller

51

Unknown Company If you have a biller who is not in our system, you can add their contact information.

1

4

2

5

3

6

7

8

Click the Bill Pay tab. 1. Enter the biller’s name and click the Next button. 2. Enter the biller’s account number. 3. (Optional) Enter a nickname. 4. Enter the biller’s mailing address. 5. Select the biller’s state from the drop-down.

6. Enter the biller’s ZIP code. 7. Enter biller’s phone number 8. Click the Add button when you are finished. 9. You can then either make a payment or click the Cancel button to return to the Bill Pay home page.

Bill Pay: Creating a Biller

52

Person You can pay anyone, such as a baby sitter, dog-walker or freelance worker, by creating them as a biller in Bill Pay.

1

5

2

6

7

3

8

4

Click the Bill Pay tab. 1. Enter the biller’s name and click the Next button. 2. Click the Person tab. 3. (Optional) Enter a nickname. 4. Enter the biller’s mailing address. 5. Select the biller’s state from the drop-down.

6. Enter the biller’s ZIP code. 7. Enter biller’s phone number 8. Click the Add button when you are finished. 9. You can then either make a payment or click the Cancel button to return to the Bill Pay home page.

Bill Pay: Creating a Biller

53

Bill Pay Editing a Biller

You can make changes to an existing biller at any time. This is especially beneficial if a biller’s account number or contact information changes.

1

2

3

4

Click the Bill Pay tab. 1. Select a biller. 2. Click the Edit biller button. 3. Click the “Edit” link next to the section you need to edit. 4. Make the necessary changes and click the Save changes button when you are finished.

Bill Pay: Editing a Biller

54

Bill Pay Deleting a Biller

If a biller is no longer needed, you can permanently delete them. This does not erase data from any existing payments.

1

2

3

4

Click the Bill Pay tab. 1. Select a biller.

2. Click the Edit biller button. 3. Click the “Delete biller” link. 4. Click the Delete biller button to permanently delete your biller.

Bill Pay: Deleting a Biller

55

Bill Pay Enabling eBills

You can go paperless and receive your bills electronically within Bill Pay. Many major credit card companies, automotive finance companies and utility companies are preloaded in our system, and these billers can be set up as an eBill.

1

2

Click the Bill Pay tab. 1. Click on the “Get your electronic statements and payment reminders here with eBills” link. 2. Click the Request eBills button.

Bill Pay: Enabling eBills

56

Bill Pay Paying eBills

1

2

3

4

5

Click the Bill Pay tab. 1. Click the Pay button next to the ebill you would like to pay. 2. Use the drop-down to select an amount. 3. Use the calender to select a delivery by date. 4. Select an account to withdraw from using the drop-down. 5. Click the Pay button. 6. Review the payment information. 7. Click the Done button when you are finished.

Bill Pay: Paying eBills

57

Bill Pay Canceling eBills Service for a Biller

3

1

2

4

Click the Bill Pay tab. 1. Select a biller. 2. Click the Edit biller button in the eBills section.

3. Click the Turn off eBills button. 4. Click the Cancel eBills button.

Bill Pay: Canceling eBills Service for a Biller

58

Bill Pay Scheduling Payments

It is easy to pay your bills once you set up billers. When you click on the Payments tab, you will see all of the billers you have established so far. To pay a bill, simply find your biller and fill out the payment information beside their name.

Single Payments

1

2 3

7

4

5

6

8

9

Click the Bill Pay tab. 1. Click the Pay button next to the biller you would like to pay. 2. Enter the amount. 3. Use the calender to select an estimated delivery date. 4. Select an account to withdraw from using the drop-down. 5. (Optional For Check Payments Only) Enter a memo. 6. Click the Pay button.

7. Review the payment information. 8. (Optional) Enter a note to self. 9. Click the Done button when you are finished.

Bill Pay: Scheduling Payments

59

Multiple Payments

Note: Not available on mobile.

2

1

4

3

Click the Bill Pay tab. 1. Select the biller/billers you would like to pay. 2. Click the Pay selected bills button. 3. Enter the required payment information for each biller. 4. Click the Pay selected bills button.

Bill Pay: Scheduling Payments

60

5

5. Review the payment information and click the Done button.

Bill Pay: Scheduling Payments

61

Bill Pay Automatic Payments

Our Automatic Payments feature keeps you ahead of your repeating payments. Setting up an automatic payment takes only a few moments and saves you time by not having to reenter a payment each time it is due.

1

2

Click the Bill Pay tab. 1. Click the biller you would like to set up autopay for. 2. Click the Add autopay button.

Bill Pay: Automatic Payments

62

3

4

5

6

7

8

9

10

3. Use the calender to select a first delivery date. 4. Select an account to withdraw from using the drop-down. 5. Enter the amount. 6. Select a frequency using the drop-down. 7. Select the duration of the payments using the drop-down and enter the necessary information. 8. (Optional For Check Payments Only) Enter a memo. 9. Use the toggles to indicate when you would like to be notified. 10. Click the Add autopay button when you are finished.

Bill Pay: Automatic Payments

63

Automatic Payments for eBills

2

1

3

4

5

6

7

Click the Bill Pay tab. 1. Click the biller with ebills enabled that you would like to set up autopay for. 2. Click the Add autopay button. 3. Use the calender to select a delivery by date. 4. Use the drop-down to select the amount due. 5. Enter a maximum payment amount. This is optional if you have not selected “Earliest Delivery Date” in the “Delivery By” drop-down. 6. Use the toggles to indicate when you would like to be notified. 7. Click the Add autopay button when you are finished.

Bill Pay: Automatic Payments

64

Bill Pay Edit Automatic Payments

1

2

Click the Bill Pay tab. 1. Click the biller with automatic payments enabled that you would like to edit. 2. Click the “Edit” link next to the automatic payment you would like to edit.

Bill Pay: Edit Automatic Payments