Florence Bank Online Banking eGuide

Welcome! We work hard to provide our customers with the financial tools they need to achieve the goals in life that matter. Online Banking is an important one of those tools. Our Online Banking system is designed for ease of use. Whether you access it from your desktop, tablet, or smartphone, it looks and functions the same across all devices. And it’s full of powerful features that make it easy to keep track of your finances. We invite you to take a moment to learn more about the “anytime, anywhere” convenience of Online Banking at our financial institution. Always,

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 Florence Bank shall be liable for any damages arising out of the use of this guide, including but not limited to loss of profit, commercial, special, incidental or other damages. For complete product and service information, please refer to the terms, conditions and disclosures for each product and service.

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Table of Contents Security. . . . . . . . . . . . . . . . . . . . . . . . . . 2 Logging In. . . . . . . . . . . . . . . . . . . . . . . . . 3 Account Authentication . . . . . . . . . . . . . . . . . . . . 4 Menu Items. . . . . . . . . . . . . . . . . . . . . . . . 5 Accounts Accounts Summary. . . . . . . . . . . . . . . . . . . . . 6 Account Activity. . . . . . . . . . . . . . . . . . . . . . . 7 Stop Payment . . . . . . . . . . . . . . . . . . . . . . . 8 eDocuments . . . . . . . . . . . . . . . . . . . . . . . . 9 Check Reorder . . . . . . . . . . . . . . . . . . . . . . 10 Bill Pay Overview. . . . . . . . . . . . . . . . . . . . . . . . . 11 Biller Setup . . . . . . . . . . . . . . . . . . . . . . . . 12 eBills . . . . . . . . . . . . . . . . . . . . . . . . . . 13 Schedule Payments. . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 14 AutoPay. . . . . . . . . . . . . . . . . . . . . . . . . 15 Change/Cancel Payments. . . . . . . . . . . . . . . . . . 16 View Bill History. . . . . . . . . . . . . . . . . . . . . . 17 Transfer Funds Manage Transfers. . . . . . . . . . . . . . . . . . . . . 18 Transfer Activity. . . . . . . . . . . . . . . . . . . . . . 19 Other Florence Accounts. . . . . . . . . . . . . . . . . . . 20 External Accounts. . . . . . . . . . . . . . . . . . . . . 21 Manage My Money Overview. . . . . . . . . . . . . . . . . . . . . . . . . 23 Budget. . . . . . . . . . . . . . . . . . . . . . . . . . 24 Saving Goals. . . . . . . . . . . . . . . . . . . . . . . 25 Categories. . . . . . . . . . . . . . . . . . . . . . . . 26 Profile Service Center. . . . . . . . . . . . . . . . . . . . . . . 27 Messages . . . . . . . . . . . . . . . . . . . . . . . . 28 Mobile Banking . . . . . . . . . . . . . . . . . . . . . . 29



Security From information security to online security and fraud, we’re serious about making sure your financial information is 100% safe 24/7, 365 days a year. With a team of trained specialists who monitor all card transactions for fraud, you can be confident that we’re doing everything we can to make sure your personal information and Florence Bank accounts are completely safe and secure. Information Security When it comes to keeping your identity, information, and assets safe, you can be confident that Florence Bank is doing everything possible to protect you. Not only have we implemented multiple layers of state- of-the-art technology and created special procedures to safeguard your accounts, we’re always looking for new and innovative ways to improve our security. Online Security We not only provide you with the ease of online banking, we also provide you with the security of knowing we’re protecting your privacy and maintaining your safety online. In fact, we’ve put together a variety of resources that can teach you how to protect your online experience. And remember, we will never provide your login credentials to anyone. If you suspect your Florence Bank account has been compromised in any way, contact us immediately so we can take prompt action to protect your account.


Florence Bank Online Banking

Logging In Simply open up a new window from your preferred browser and enter www.florencebank.com in the address bar.

1 Once you enter www.florencebank.com in your browser’s address bar, you will be welcomed by our homepage. 2 To begin logging into your account, click the My Accounts button. 3 Select the banking experience you wish to enter by using the drop-down menu. 4 Enter your User ID in the provided space. 5 Click Submit . You will then be prompted to enter your Password.



Account Authentication To strengthen the safeguards in place at login, monitoring uncharacteristic or unusual behavior with your Florence Bank Online Banking will begin with an authentication process to recognize the computer you normally use to access Online Banking or to verify an unidentified device. First, enter your User ID and Password as normal from the home page. If you choose to log in from a computer you don’t normally use, you will be presented with a verification challenge to complete the authentication process.

1 To verify your personal image, enter your Password in the provided space. Click Sign In . 2 Next, enter the chosen answer for each challenge question. Click Submit to continue.


Florence Bank Online Banking

Menu Items Throughout your Online Banking experience, menu items will continue to display in the upper right-hand corner of the screen to help you jump through different Online Banking screens and functions in no time. Simply click each menu item to proceed to the corresponding page.

Accounts This will direct you to the Online Banking home page and can be used to view activity, history, make a quick transfer, stop a payment or reorder checks. Pay Bills This will direct you to the Payment Center where you can complete bill or loan payments, view and add payees, view eBills and online activity. Transfer Funds Manage or create a transfer of funds, view transfer activity, transfer funds to another Florence Bank account or an account at another financial institution. Manage My Money Manage and improve your financial health by setting a budget, goals and viewing account trends. Profile This will direct you to links and options that can aid in managing and editing your personal profile, review security settings and other preferences.



Accounts – Accounts Summary When you first log into Online Banking, you will be directed to the Accounts Summary screen. From this screen, you can view your account details, make quick transfers and payments, as well as review and manage messages and notifications.


1 Located at the top of each page will be global navigation options to quickly log out of your account, or view help options and other links. 2 Click here to view and manage messages. 3 Complete a quick transfer of funds by entering the From account, then To account from the drop-down menus, and clicking Submit . 4 Utilize the Quick Links panel to view set-up links for quick banking processes, while reviewing special bank notifications from the Notification Center panel. 5 Tabs for Online Banking functions under the Accounts menu will be located here. 6 Click an Account Nickname to view details of the displayed accounts and activities within the panels shown here. 7 Click Help if you have any questions or concerns, and you will be asked to contact Customer Service at 413.586.1300 or 1.800.644.8261.


Florence Bank Online Banking

Accounts – Account Activity The Account Activity screen allows you to view a complete record of your transaction history. You have the ability to specify a date range to view recent pending and debit transactions and deposits.

1 Click the Account Activity tab or click an Account Nickname from the Account Summary page to view specific detailed information. 2 Details of the account will display here. If you wish to change your Account Nickname, click Change . 3 Pending transactions from the account will display in the panel here. 4 To search specific account history information, first choose a saved query or the desired account from the drop-down menus, then complete the required fields pertinent to your search. When finished, click Search . 5 To save your search criteria for another time, click Save Query . 6 History information will display in the panel shown here.



Accounts – Stop Payment The Stop Payment service allows you to submit a request to stop payment on a check or a range of checks you have written. You cannot use this service to cancel transfers between accounts or electronic bill payments. A stop payment fee will apply.

1 Begin by clicking the Stop Payment tab and review the important information regarding Stop Payments. 2 Select the account from which you would like to stop a payment. 3 Next, choose whether you are stopping a payment on a single check or a range of checks. 4 Enter additional information for the Stop Payment, including the check number, amount, to whom the check was issued (Payee), and the reason for the stop payment. 5 Click Submit to proceed.


Florence Bank Online Banking

Accounts – eDocuments The eDocuments feature lets you manage, view or print your recent or previous online statements with just a couple clicks. Documents are available in the next account cycle. The E-Sign Disclosure and Consent must be accepted before access to eDocuments is granted.

1 Click the eDocuments tab to begin. 2 From the eDocuments window, click View eDocuments to display an account statement or loan bill.



Accounts – Check Reorder When in need of a new supply of checks, you don’t have to venture too far outside of our Online Banking site to check this task off your list!

1 Click the Check Reorder tab to begin. 2 Review the provided statement regarding check reordering. 3 From the Check Reordering panel, choose the account from which you would like a new supply of checks and click Check Reorder . 4 You will then be directed to a new site to process and complete your order.


Florence Bank Online Banking

Bill Pay – Overview Bill Pay allows you to stay on top of your monthly finances with utmost ease and turnkey efficiency. Free yourself from the hassle of writing checks and the clutter that comes with traditional ways of paying bills! This is a quick and easy alternative to paying your bills online at the sites of each individual company. The first time you click the Pay Bills tab, you will be asked to accept the terms and conditions.

Click on the Pay Bills tab to begin managing your bills online. The Payment Center is a guide to your billers and bills due as well as where you will edit or delete scheduled payments.



Bill Pay – Biller Setup The person or company to whom you are sending funds is known as the biller. A biller can be almost any company or person you would send a written check to, like a utility company, a cable TV provider, or even a relative. It may be convenient to set up an automatic payment for a biller so that there is no need for repeating the same scheduling process each month.

You will see your billers listed in the Payment Center. 1 Click the button at the top of the page to Add a Company or Person . 2 Click the name of the biller to see or change their information, such as their address, telephone number, and recent payments.


Florence Bank Online Banking

Bill Pay – eBills EBills are a fast and convenient way to receive your bills each month. If your biller offers an electronic version of your bill, the eBills icon will be located next to the name within the Payment Center. After activating eBills, you will start receiving your bill directly within your Bill Pay account. No need to shuffle through biller information or access each individual biller’s website to pay your bills—you can get it all right here and never miss a payment!

1 Click on the Request eBills icon or eBills link. 2 Click the Add button for each biller you would like to add to eBills. 3 When completed, click the Submit button. 4 A Confirmation message appears. Click the Close button.



Bill Pay – Schedule Payments No check? No pen? No problem! Our payment scheduling feature is the only thing you need to accomplish your Bill Pay needs. Hassle-free Bill Pay is just a couple mouse clicks away!

Billers are listed by name in the Payment Center. 1 Enter the amount of your bill, and use the calendar feature to select the payment due date. 2 Click the Send Money button when finished.


Florence Bank Online Banking

Bill Pay – AutoPay It may be convenient to set up a biller to receive payments on a regular basis. Why must you pay by repeating the same scheduling process each month? With our AutoPay option, you can remain confident that your payments are taken care of automatically without you doing a thing!

In the Payment Center, select the biller for which you would like to set up automatic payments. Select AutoPay and then Set Up Autopay . 1 Fill in the required fields to complete your request for an automatic payment. 2 Click the Start Making Payments button when complete.



Bill Pay – Change/Cancel Payments You can change or cancel a pending payment even after you schedule it. This convenient feature gives you the freedom to change the way you make your payments.

Locate the Pending Payments box in the Payment Center. 1 Click the Change link to edit your payment in a secondary screen. Here, you can change the Pay From Account, Pay Date or Pay Amount. 2 Click the Cancel link if you do not wish to process the payment.


Florence Bank Online Banking

Bill Pay – View Bill History You can conveniently view and print your bill history and details using our Online Bill Pay.

Click the Payment Amount link in Recent Payments. 1 Review the Pay From account, Withdraw On date, Amount and Confirmation number. 2 Click Payment Inquiry to inquire about a specific payment or click the Print link to print the payment details. 3 Exit out of the window by clicking the X icon in the top right corner.



Transfer Funds – Manage Transfers The Manage Transfers feature allows you to transfer money at scheduled times between your accounts. You have the ability to manage how often funds will be transferred by creating an immediate transfer and choosing from a range of frequencies. Transfers may be added, edited or deleted at your discretion.

1 Click the Manage Transfers tab to begin. 2 Review the provided statement regarding transfers.

3 From the drop-down menus, select the source and destination accounts. 4 Next, enter the amount of the payment and select the scheduling option: Immediate, Future-Dated (One-Time) or Recurring. Then, enter a description. 5 Click Submit to proceed.


Florence Bank Online Banking

Transfer Funds – Transfer Activity Quickly review scheduled transfers and transfer history from one convenient screen!

1 Click the Transfer Activity tab to begin. 2 Scheduled transfers and history will display here.



Transfer Funds – Other Florence Accounts From the Other Florence Accounts screen, you can complete a transfer of funds to an individual or organization that holds an account with Florence Bank. Once information is entered, the destination account will be added to a list of accounts available for transfer activity.

1 Click the Other Florence Accounts tab to begin. 2 Review the provided statement regarding Other Florence Accounts. 3 From the drop-down menus, select either an individual or organization to whom you would like to transfer funds, and then select the type of account to which funds will be transferred. Next, enter and confirm the receiving account number in the provided space. Then, enter the Account Nickname. 4 Click Continue to proceed. 5 The information you entered in this process will be saved in a list here for quick and easy access.


Florence Bank Online Banking

Transfer Funds – External Accounts External Accounts enable you to transfer funds to or from your accounts at another financial institution. Once a new account’s information is entered into our system, two small deposits will be made to the new account for verification. To complete the set-up of the new account, you must return to the External Accounts screen, click “ Verify ,” and enter the amounts of the deposits. You will get an email in 1-2 business days notifying you that your account has been approved. External Account transfers may take between 3 to 5 business days to complete.

1 Click the External Accounts tab to begin. 2 Review the provided statement regarding setting up external accounts and transfers. 3 External accounts that have already been set up will display here and are available for managing. 4 To begin adding a new account, click Add an account at another financial institution that is not listed above .



Transfer Funds – External Accounts

5 Enter the account information in the spaces provided, including the routing number, account number and nickname for the account. Next, select the account type. 6 Click Submit to proceed to the verification step. Once you have received two small deposits in the new account, return to this screen and click Verify to enter the deposit amounts and complete the process.


Florence Bank Online Banking

Manage My Money – Overview This tool is a great way to organize your finances and improve your financial health. Manage your budget, control spending and set savings goals. All of the tools you need for financial success are right here!

1 Click the Overview tab to begin. 2 The left-hand side of the screen provides expandable windows for selecting a specific time period and viewing your top expenses and balances. 3 Existing accounts are displayed in this area for quick reference. Click Print to obtain a copy for your records. To modify your list of accounts, click Edit List . 4 To view or modify your savings goals, click Manage located at the top-right side of the Savings Goals expandable window. 5 Review your budget plan with ease using the counter displayed here. Click Manage to modify or edit your budget plan. 6 View, manage and print statements of income and cash flow within the expandable windows displayed here.



Manage My Money – Budget Control the direction of your financial future. Setting up your budget is the perfect way to calculate where your regular income and expenses are, see where you can eliminate wasteful spending and save more money for the things you really need!

1 Click the Budget tab to begin. 2 To manage or add a new budget category, click Manage Categories . 3 To obtain a copy of your budget plan for your records, click Print . To save your budget information to an electronic format, click Export . 4 Income and expenses are displayed in the tables shown and are segmented by the Month to Date percentage, the actual amount of your monthly income or expense, your specified budget amount, the difference between the actual amount and your budget, and the 12-month average. 5 To modify your budget amount, simply enter the new amount in the provided space. 6 Click Update to proceed.


Florence Bank Online Banking

Manage My Money – Saving Goals Setting up savings goals will help you achieve your financial objectives easier and faster. When you set up your savings goals you can see exactly how far you have come and how much further you have to go. This is an ideal way to prepare for buying new appliances or furniture, saving for a family vacation or paying for college tuition.

1 Click the Savings Goals tab to begin. 2 To add a new savings goal, first enter a description of your goal in space provided. Next, select the account from which you will be saving funds for the new goal from the drop-down menu. 3 Enter the amount of savings you are beginning with, then add the goal amount in the spaces provided. Then, enter the goal start date and target date using the calendar tool. 4 Click Add to activate your goal settings. 5 Existing goals will display here. Two goals at a time can be added to your Spending Overview screen for a more streamlined experience.



Manage My Money – Categories Keeping track of exactly where your money is going is more straightforward than ever. Assign your income and expenses to the accurate category to see how much is coming in and how much you spend each month on items like groceries, gas, electricity, dining out, etc.

1 Click the Categories tab to begin. 2 To begin adding a new category, first select a category type from the drop-down menu. Next, enter a category name and description in the spaces provided. Click Add . 3 Review existing categories located in the cue shown here. From here, you are able to modify or delete a category. When finished, click Done . 4 Typical categories are provided here as a reference when adding a new category and cannot be deleted from the system.


Florence Bank Online Banking

Profile – Service Center The Profile menu item provides a summary of Online Banking features and services available for managing and inputting your preferences.

1 Click the Service Center tab. 2 Available links to a variety of banking features and services are displayed in the panels shown here. Simply click a link to be immediately directed to the corresponding screen to manage your chosen function.



Profile – Messages View and manage all of your Online Banking messages from one convenient screen!

1 Click the Messages tab. 2 Messages available for viewing will display here. 3 To send a new message, click Compose New .


Florence Bank Online Banking

Mobile Banking Now you can conveniently manage your accounts from your smartphone. Whether it’s an iPhone ® , Android ® or from a conventional cell phone, bank when you want where you want. It is easy, fast and convenient. Choose one that suits you or use them all—it’s free! To enroll, you must first be a customer of the bank and be enrolled in Online Banking. Mobile App* * Mobile Apps for iPhone and Android smartphones are available in their App Stores. • Mobile access to your online banking accounts • Pay bills

• Transfer funds • Make a deposit • Fast balances • Stop payments • Deactivate/Activate Card • Increase card limit • Travel notifications • Manage my money • Enable fingerprint authentication



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