InFirst Bank Personal Digital Banking 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.

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Getting Started Welcome to Online Banking with InFirst Bank! Whether you are at home or at the office using a mobile phone, tablet or laptop, we strive to make your Online Banking experience easy and convenient. You can navigate this guide by clicking a topic or feature in the Table of Contents. Each section provides an overview and steps to help you during the Online Banking process. If you have additional questions, contact us at (800)349-2814.

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Table of Contents Getting Started

New User Enrollment ...................................................................................................8 Logging In.....................................................................................................................15 Logging Off ........................................................................................................................... 15 Manage Profile Contact Settings ..........................................................................................................16 Adding a New Phone ........................................................................................................... 16 Editing a Phone .................................................................................................................... 17 Deleting a Phone.................................................................................................................. 18 Push Notifications................................................................................................................ 19 Editing an Email Address .................................................................................................... 20 Login Settings ..............................................................................................................21 Change Username ............................................................................................................... 21 Change Password ................................................................................................................ 22 Change Security Questions................................................................................................. 23 Recent Logins ..............................................................................................................24 Mobile Security Preferences......................................................................................25 Enabling Biometric Sign-In.................................................................................................. 25 Auto-Login....................................................................................................................26 Organize Dashboard ..................................................................................................27 Reorder Accounts ................................................................................................................ 27 Rename Accounts ................................................................................................................ 28 Hide/Unhide Accounts ........................................................................................................ 29 Hide/Unhide Dashboard Tiles ............................................................................................ 30 App Appearance................................................................................................................... 31 Sub-Users Sub-Users Overview ...................................................................................................32 Sub-User Overview .............................................................................................................. 33 Adding a New Sub-User ..................................................................................................... 34 Editing a Sub-User ......................................................................................................36 Part 1: Editing Sub-User Access.......................................................................................... 37 Part 2: Editing Sub-User Limits........................................................................................... 38 Deleting a Sub-User....................................................................................................39 Accounts Dashboard Overview..................................................................................................40 Account Details Overview ..........................................................................................42 Transaction Details .....................................................................................................44

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Stop Payment ..............................................................................................................46 Single Check ......................................................................................................................... 46 Multiple Checks ................................................................................................................... 49 ACH ....................................................................................................................................... 51 Adding a New Account ...............................................................................................54 Adding an Account to Money View .................................................................................... 55 Adding an External Account ............................................................................................... 56 Verifying an External Account ............................................................................................ 58 Removing an External Account .......................................................................................... 59 Opening a New Account...................................................................................................... 60 Editing Favorite Accounts...........................................................................................62 Favorite Payees ...........................................................................................................63 Selecting Favorite Payees.................................................................................................... 63 Money View Initial Setup..................................................................................................................64 Tagging Transactions........................................................................................................... 65 Splitting a Transaction......................................................................................................... 67 Money View Dashboard.............................................................................................69 Spending by Category ................................................................................................70 Budget ..........................................................................................................................72 Adding Budgets.................................................................................................................... 73 Managing Budgets............................................................................................................... 74 Add a Budget Alert............................................................................................................... 76 Cashflow Overview .....................................................................................................77 Add a Bill or Income ............................................................................................................ 78 Configure Accounts ............................................................................................................. 79 Bills and Income................................................................................................................... 80 Net Worth ....................................................................................................................81 Add an Unlinked Asset or Debt.......................................................................................... 82 Goals.............................................................................................................................83 Adding Goals ........................................................................................................................ 84 Save for Goals....................................................................................................................... 84 Pay Off Goals ........................................................................................................................ 85 Add a Goal Alert ................................................................................................................... 86 Managing Goals ................................................................................................................... 87 Move Money Move Money Overview...............................................................................................88 Bill Pay Enrollment......................................................................................................89 Adding a Payee............................................................................................................91 Person to Person Payee...................................................................................................... 91

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Bill Pay Payee - Company.................................................................................................... 93 Bill Pay Payee - Individual ................................................................................................... 95 Favoriting a Payee................................................................................................................ 98 Editing a Payee ..................................................................................................................... 99 Deleting a Payee ............................................................................................................... 100 New Transaction ...................................................................................................... 101 Transferring Money Between Your Accounts................................................................ 101 Making a Loan Payment................................................................................................... 103 Transferring Money to Another Person (P2P) ............................................................... 106 Making a Bill Pay Payment............................................................................................... 108 Editing Transfers/Payments ............................................................................................ 110 Skip Transfers/Payments ................................................................................................. 111 Deleting Transfers/Payments.......................................................................................... 112 Deposit Checks Mobile Deposit ......................................................................................................... 113 Security Protecting Your Information................................................................................... 114 General Guidelines ........................................................................................................... 114 Login ID and Password..................................................................................................... 114 Fraud Prevention .............................................................................................................. 114 Documents and Settings Documents ............................................................................................................... 115 Document Enrollment...................................................................................................... 115 Viewing Documents.......................................................................................................... 116 Reports Creating a New Report ............................................................................................ 117 Account Activity Report .................................................................................................... 117 Sub-User Account Access Report.................................................................................... 118 Running an Existing Report .................................................................................... 119 Editing a Report........................................................................................................ 120 Deleting a Report ..................................................................................................... 121 Manage Cards Turn Card On or Off................................................................................................. 122 Card Name................................................................................................................ 123

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Card Alert.................................................................................................................. 124 Change PIN ............................................................................................................... 125 Report Lost or Stolen Card ..................................................................................... 126 Travel Notification.................................................................................................... 127 Enable Automatic On/Off........................................................................................ 129 Manage Alerts Alerts Overview ........................................................................................................ 131 Custom Alerts.................................................................................................................... 132 Bill Pay Alerts..................................................................................................................... 133 Security Alerts ................................................................................................................... 134 Money View Alerts ............................................................................................................ 135 Turning Alerts On and Off................................................................................................ 136 Editing or Deleting Alerts ........................................................................................ 137 Previous Alerts ......................................................................................................... 138 Messages Secure Message Overview ...................................................................................... 139 Sending a Secure Message ..................................................................................... 140 Submit a Form................................................................................................................... 141 Find Locations Locations................................................................................................................... 142

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Getting Started New User Enrollment

If you’re new to Online Banking with InFirst 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!

Note: Anyone under 18 or a Business cannot self-enroll and must contact InFirst Bank for assistance.

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1. Type infirstbank.bank into your browser then click the Online Banking tab in the top bar. Click the “Registration” link. 2. For the mobile app, download the InFirst Bank app and click the “Sign Up” link.

Getting Started: New User Enrollment

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3. Select “I already have an account” and click the Continue button. 4. Click the Let’s Get Started! button.

Getting Started: New User Enrollment

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5. Enter your personal information and click the Continue button.

Note: If the information entered does not match your bank account record at InFirst Bank or if you have an old Digital Banking account, you will need to call us at (800)349-2814. 6. You will be asked to answer four verification questions. (If your identity cannot be successfully verified through our automated process, NO WORRIES! Your enrollment request will be forwarded to our Client Solutions Center. One of the Bankers from Client Solutions will then call you to verify your identity. Once your identity has been verified, you will receive an email. Click the link in the email.)

Getting Started: New User Enrollment

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7. Select a verification method. You can choose a second verification step by having a link sent to a known phone number or email address associated with your record at InFirst Bank. If you do not want to utilize this additional verification step, choose None. Enter your full phone number or email address and click the Send Text Message button.

8. Read the welcome information and click the Finish button. 9. Enter the security code and click the Continue button.

Getting Started: New User Enrollment

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10. (Optional) If you choose to skip the second verification step, or if your identity cannot be successfully verified through our automated process, your enrollment request will be forwarded to our Client Solutions Center. One of the Bankers from Client Solutions will then call you to verify your identity. Once your identity has been verified, you will receive an email. Click the link in the email. 11. Create your own username and password and click the Submit button. 12. Choose three security questions and enter the appropriate responses. Click the Update button when you are finished. 13. Review and accept the terms and conditions by clicking the Accept Terms button.

Getting Started: New User Enrollment

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14. Review and accept the E-Sign disclosure by clicking the Accept button. 15. Click the Let’s Get Started! button. 16. Use the drop-downs to select a country, enter a phone number, and nickname. 17. Select your device. • Android • Apple • Windows • Blackberry 18. Don’t see your device or using a landline? Click the “Use other mobile device or landline” link and follow prompts. 19. Click either the Text Me or Call Me button. 20. Enter the verification code and click the Verify Device button.

Getting Started: New User Enrollment

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21. To enable Duo Mobile click the Use Duo Mobile button and follow the setup steps. To skip this step, click the Skip This Step button.

Note: You should sign into digital banking at least once per month. For security purposes, after a period of 90-days of inactivity your account will be disabled and you will need to contact Online Customer Support to be reactivated..

22. Click the Complete Setup button. You will then be taken to InFirst Bank Online Banking.

Getting Started: New User Enrollment

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Getting Started Logging In

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

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1. Click the Online Banking button. 2. Enter your username and password and click the Login button. If this is the first time you are logging in from an unregistered device, you will need to answer a security question. 3. Select a device. Logging Off For your security, you should always log off when you finish your Online Banking

session. We may also log you off due to inactivity. 1. Click the Log Out tab in the sidebar menu.

Getting Started: Logging In

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Manage Profile Contact Settings

It is important to maintain current contact information on your account.

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Adding a New Phone Click the “Manage Profile” link at the top of the side menu. 1. Click the Phone button. 2. Click the “+ Add new mobile device” link. 3. Enter the phone number.

4. Enter a nickname. 5. Select your device. 6. Click the Add Device button.

Manage Profile: Contact Settings

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Editing a Phone

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Click the “Manage Profile” link at the top of the side menu. 1. Click the Phone button. 2. Click the phone you would like to edit. 3. Make your changes.

Manage Profile: Contact Settings

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Deleting a Phone

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Click the “Manage Profile” link at the top of the side menu. 1. Click the Phone button.

2. Click the phone you would like to delete. 3. Click the Remove This Device button.

Manage Profile: Contact Settings

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Push Notifications A Push Notification is used to notify you of early branch closures, holiday closures, emergency situations, etc. You must first opt-in to Push Notifications to receive one on your approved (associated) phone number. Available on the mobile app only.

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Click the “Manage Profile” link at the top of the side menu. 1. Under “Contact Settings,” select the Phone button. 2. Select a phone. 3. Toggle the Push Notifications Alerts button to “ON.” 4. Select the Turn On button.

Manage Profile: Contact Settings

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Editing an Email Address

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Click the “Manage Profile” link at the top of the side menu. 1. Click the Email button. 2. Change the email address. 3. Select which alert types you would like to be edited with this change. 4. Click the Save button when you are finished.

Manage Profile: Contact Settings

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Manage Profile Login Settings

We take security very seriously at InFirst Bank, so we have added various tools to help you better protect your account information. You can manage these features to strengthen your Online Banking experience. Change Username You can change your username at any time. Create a unique username that you will remember and that follows our required guidelines.

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Click the “Manage Profile” link at the top of the side menu. 1. Click the Change Username button.

2. Enter a new username. 3. Enter your password. 4. Click the Save button.

Manage Profile: Login Settings

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

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Click the “Manage Profile” link at the top of the side menu. 1. Click the Change Password button. 2. Enter your current password. 3. Enter and confirm your new password. 4. Click the Save button.

Manage Profile: Login Settings

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Change Security Questions For your protection, you can establish new security questions and answers. Just like changing your password frequently, changing your security questions and answers helps to ensure the security of your accounts.

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Click the “Manage Profile” link at the top of the side menu. 1. Click the Change Security Questions button. 2. Enter a new answer. 3. Click the “Change question” link to change the question. 4. Click the Save button.

Manage Profile: Login Settings

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Manage Profile Recent Logins

View a list of recent logins to your account.

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Click the “Manage Profile” link at the top of the side menu. 1. Click the Recent Logins button. 2. A list of recent logins will be displayed.

Manage Profile: Recent Logins

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Manage Profile Mobile Security Preferences

Within InFirst Bank’s Mobile Banking app, you have the ability to set up security preferences that are not available on a desktop computer. These additional preferences make signing into your Mobile Banking quick and easy, but also add an extra layer of security to your private information while you are on the go! Enabling Biometric Sign-In Biometric Sign-In uses fingerprint or face recognition technology, depending on your device capabilities. This allows you to perform tasks on your Apple® or AndroidTM device with just your fingerprint or face ID. With this feature enabled, you can quickly and securely access your accounts using our mobile app!

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Sign in to InFirst Bank’s Mobile Banking app and click the “Manage Profile” link at the top of the side menu. 1. Click the TouchID tab. 2. Enter your username and password, and click the Sign In button.

Note: You must have biometric sign-in enabled on your mobile device before enabling it through our Mobile Banking app.

Manage Profile: Mobile Security Preferences

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Manage Profile Auto-Login

Auto-login bypasses the login screen on your mobile device, allowing access to basic account information such as balances, activity and other histories while still restricting access to sensitive areas such as transfers.

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Sign in to InFirst Bank’s Mobile Banking app and click the “Manage Profile” link at the top of the side menu. 1. Check the box next to Auto-Login.

Manage Profile: Auto-Login

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Manage Profile Organize Dashboard

Reorder, rename and hide accounts to customize your dashboard. You can also hide dashboard tiles.

Reorder Accounts

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Click the “Manage Profile” link at the top of the side menu. 1. Click the Reorder Accounts button. 2. Click and drag an account to reorder them.

Manage Profile: Organize Dashboard

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Rename Accounts

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Click the “Manage Profile” link at the top of the side menu. 1. Click the Rename Accounts button. 2. Rename your account(s). 3. Click the Save button when you are finished.

Manage Profile: Organize Dashboard

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Hide/Unhide Accounts

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Click the “Manage Profile” link at the top of the side menu. 1. Click the Hide Accounts button. 2. Select which accounts to hide or unhide.

Manage Profile: Organize Dashboard

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Hide/Unhide Dashboard Tiles

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Click the “Manage Profile” link at the top of the side menu. 1. Click the Hide Dashboard Tiles button. 2. Select which dashboard tiles to hide or unhide. 3. Drag and drop to reorder tiles.

Manage Profile: Organize Dashboard

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App Appearance Change the way the app appears on your devices. These changes will apply to any device you use to log into your account.

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Click the “Manage Profile” link at the top of the side menu. 1. Select a display theme for the mobile app

Manage Profile: Organize Dashboard

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Sub-Users Sub-Users Overview

Sub-users can be assigned for both retail and business digital banking customers. You can set up multiple users with different responsibilities. New users can be created with their own unique login IDs and passwords. Each sub-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 for certain transaction types. • Accessing specific accounts for multiple entities. • Managing users and templates. Authorized users can set up the features, accounts, and entitlements each sub-user needs. Establishing these entitlements gives sub-users permission to perform specific tasks. This allows an approved sub-user to help you with your personal finances or assist you with managing your business to keep it running as smooth as possible.

Sub-Users: Sub-Users Overview

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

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Click the “Manage Profile” link at the top of the side menu. A. The following information presents for each sub-user: • Name • Email Address • User Type • Permissions B. Click the icon to add a sub-user.

Sub-Users: Sub-Users Overview

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Adding a New Sub-User You can set up a new sub-user by creating a new profile and assigning user entitlements.

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Click the “Manage Profile” link at the top of the side menu. 1. Click the icon. 2. (Optional) Select a user to copy account access and permissions from. 3. Enter the user’s full name.

4. Enter the user’s email address. 5. Enter the user’s display name. 6. Enter an invite answer.

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Sub-Users: Sub-Users Overview

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Sub-Users Editing a Sub-User

You can make changes to existing sub-users at any time. This is especially beneficial if someone’s job title changes or their approval limits need to be adjusted.

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Click the “Manage Profile” link at the top of the side menu. 1. Click the sub-user you would like to edit. 2. Make the necessary changes to the sub-user.

3. Click the “Edit” link next to an account to edit a user’s permissions. 4. Click the “Remove” link next to an account to remove a sub-user’s access.

Sub-Users: Editing a Sub-User

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Part 1: Editing Sub-User Access You can assign and edit a sub-user’s access rights. This helps you decide which responsibilities and limitations a user can have regarding certain transactions.

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1. Click the Access tab. 2. (Optional) Select a user to copy account access and permissions from. 3. Select which features the sub-user will have access to. 4. Click the Save All Permissions button when you are finished.

Sub-Users: Editing a Sub-User

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Part 2: Editing Sub-User Limits A user’s transaction limits can be adjusted, so you never have to worry about the amount of transactions they make. You can set these restrictions for a daily, weekly and monthly basis.

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1. Click the Limits tab. 2. Edit the maximum amounts a user can approve or draft for each transaction type. 3. Click the Save All Permissions button when you are finished.

Sub-Users: Editing a Sub-User

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Sub-Users Deleting a Sub-User

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

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Click the “Manage Profile” link at the top of the side menu. 1. Click the sub-user you would like to delete. 2. Click the Delete This Sub-User button. 3. Click the Delete button.

Sub-Users: Deleting a Sub-User

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Accounts Dashboard Overview

After logging in, you are taken directly to the dashboard. From here, you can navigate to every feature within Online Banking. You can view the balances in your accounts, see your account summaries and more!

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Accounts: Dashboard Overview

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A. The navigation bar appears in every view on the left side of the screen. You can navigate to Online Banking features by selecting the appropriate tab. B. Your accounts are displayed in an account tile with their balance. If you click an account tile, you are taken to the Account Details page. C. Click the View All Accounts button to view all of your accounts. D. Click the Add Account button to add a new account. Go to page 54 for more information. E. Click the “Manage Favorites” link to edit your favorite accounts. Go to page 62 for more information. F. Click the “Manage Tiles” link to edit the tiles displayed on the dashboard. Go to page 30 for more information. G. View a list of your recent transactions. Use the drop-down to select a different account. H. View a list of your upcoming transactions. Use the drop-down to select a different account. I. Favorite Payees allows you to quickly pay your favorite payees. Payees marked as favorites appear here. Go to page 63 for more information. J. Click the icon to hide or rearrange the dashboard tiles. Go to page 30 for more information.

Accounts: Dashboard Overview

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Accounts Account Details Overview

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

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Accounts: Account Details Overview

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A. On the dashboard, click on an account tile to view the Account Details screen. B. The available balance of your account is displayed in the top left corner. C. Export your transactions into a different format by clicking the icon. D. The icon opens the search bar to sort and find transactions within that account. E. Use the “Sort” link to sort your transactions. F. You can view more details about a transaction by clicking on it. G. Click the New Transaction button to create a new transaction. Go to page 101 for more information. H. More details about the account are displayed in the upper right corner. Click the icon to view additional details. I. The Statements button allows you to enroll in and access digital statements. Go to page 115 for more information. J. The Stop Payment button allows you to stop a pending check payment. Go to page 46 for more information.

Accounts: Account Details Overview

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Accounts Transaction Details

Access additional details about your transactions.

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On the dashboard, select an account to view the Account Details screen. 1. Click on a transaction.

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A. Click the icon to download transaction details. B. Click the Category button to categorize a transaction. 1. Click the icon to add a category. 2. Click a category to categorize the transaction. 3. (Optional) Check the box to automatically apply this category to all similar transactions.

Accounts: Transaction Details

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C. Click the icon to add a note to a transaction. D. Click the “+ Attach Image(s)” link to add an image to a transaction.

Note: Adding a tag makes transactions easier to search. Adding an image is a great way to organize receipts.

Accounts: Transaction Details

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Accounts Stop Payment

Initiate a Stop Payment on a single check, range of checks or ACH payment. Single Check If you’re ever worried about a pending written check, you can initiate a stop payment request to prevent that check from being processed.

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Accounts: Stop Payment

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Mobile

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Click the View Accounts tab. 1. On the dashboard, click on an account tile to view the Account Details screen. On the mobile app, select an account tile and click the Services tab.

2. Click the Stop Payment button. 3. Click the + New Request button.

Accounts: Stop Payment

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4. Use the drop-down to select Single Check. 5. Enter the check number.

6. (Optional) Enter a payee name. 7. (Optional) Select a write date. 8. (Optional) Enter an amount. 9. (Optional) Enter a note. 10. Review and accept the terms and conditions. 11. Click the Submit button. 12. Click the Submit Another Request button to submit another stop payment. 13. Click the Close button to close the window.

Accounts: Stop Payment

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Multiple Checks If you’re ever worried about multiple pending written checks, you can initiate a stop payment request to prevent the checks from being processed.

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Click the View Accounts tab. 1. On the dashboard, click on an account tile to view the Account Details screen.

2. Click the Stop Payment button. 3. Click the + New Request button.

Accounts: Stop Payment

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4. Use the drop-down to select Range of Checks. 5. Enter a beginning and ending check number. 6. (Optional) Enter a payee name. 7. (Optional) Enter a note. 8. Review and accept the terms and conditions. 9. Click the Submit button. 10. Click the Submit Another Request button to submit another stop payment. 11. Click the Close button to close the window.

Accounts: Stop Payment

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ACH If you’re ever worried about pending ACH payments, you can initiate a stop payment request to prevent the ACH payment from being processed.

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Click the View Accounts tab. 1. On the dashboard, click on an account tile to view the Account Details screen.

2. Click the Stop Payment button. 3. Click the + New Request button.

Accounts: Stop Payment

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4. Use the drop-down to select ACH. 5. Select whether the stop payment should be permanent or have an expiration date. 6. (If necessary) Enter an expiration date. 7. Enter an amount. 8. (Optional) Select a transaction date. 9. (Optional) Enter a payee name. 10. (Optional) Enter a note. 11. Review and accept the terms and conditions. 12. Click the Submit button.

Accounts: Stop Payment

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13. Click the Submit Another Request button to submit another stop payment. 14. Click the Close button to close the window.

Accounts: Stop Payment

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Accounts Adding a New Account

Open a new account with InFirst Bank or link your accounts at other financial institutions, so you can transfer money between your accounts without ever leaving home!

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Click the Dashboard tab. 1. Click Add Account button.

2. For information about adding an account to Money View, go to page 55. 3. For information about adding an external account, go to page 56. 4. For information about opening a new account, go to page 60.

Accounts: Adding a New Account

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Adding an Account to Money View Your InFirst Bank accounts are automatically linked to Money View. You can also aggregate your external accounts. For more information about Money View, go to page 64.

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1. Click the Money View button. 2. Click the Next button. 3. Locate your financial institution using the list or the search bar.

4. Click the Next button. 5. Log into your account.

Accounts: Adding a New Account

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Adding an External Account Your accounts at other financial institutions can be linked to Online Banking with InFirst Bank, so you can transfer money between two financial institution accounts that you own without ever leaving home! When you add another account, you are asked to verify your ownership of that account. InFirst Bank will make two small deposits of less than a dollar into your external account. You will be asked to verify those amounts within Online Banking. Once they are confirmed, you can begin transferring money to/from the external account.

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1. Click the External Account button.

Accounts: Adding a New Account

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2. Enter an account name. 3. Enter a receiver name. 4. Enter the bank name. 5. Select an account type. 6. Enter the routing/transit number. 7. Enter the account number. 8. Click the Save button.

Accounts: Adding a New Account

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Verifying an External Account InFirst Bank will make two small deposits of less than a dollar into your external account. You will be asked to verify those amounts within Online Banking. Once they are confirmed, you can begin transferring money to/from the external account.

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In the Pay, Transfer, & Receive tab, click Move Money . 1. In the My Payees section, select the account you would like to verify. 2. Click the Verify External Account button. 3. Enter the test transaction amounts that were sent to the account.

Accounts: Adding a New Account

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Removing an External Account You can easily remove an external account if it is no longer needed. Any scheduled transfers involving the account will be deleted.

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In the Pay, Transfer, & Receive tab, click Move Money . 1. Select the account you would like to delete. 2. Click the Delete This Payee button. 3. Click the Delete button.

Accounts: Adding a New Account

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Opening a New Account

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1. Click the Open Account button. 2. Select a social security number to create your new account for and click the Continue button. 3. (Optional) At anytime during the opening of a new account, you can click the Save & Resume Later button to save your progress and return at a later time to finish. 4. Add or remove the types of accounts you would like to open by clicking the appropriate button. 5. Click the Continue button. 6. Enter your personal information and click the Continue button.

Accounts: Adding a New Account

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7. Review and accept the disclosure and privacy notice, and click the Continue button. 8. Select a funding source. 9. Enter an amount and any necessary information. 10. Click the Continue button and a confirmation email will be sent to you.

Accounts: Adding a New Account

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Accounts Editing Favorite Accounts

Select up to six favorite accounts to display on your Dashboard.

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Click the Dashboard tab. 1. Click the “Manage Favorites” link. 2. Select or unselect the stars next to the accounts to add or remove them as favorites. 3. Drag and drop to reorder favorited accounts.

Accounts: Editing Favorite Accounts

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Accounts Favorite Payees

Quickly send transfers to your favorite payees. Select up to four favorite payees to quickly schedule transfers and payments.

Selecting Favorite Payees

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Click the Dashboard tab. 1. Click the icon and select “Edit Favorite Payees.” 2. Select or unselect the stars next to the payees to add or remove them as favorites. 3. Drag and drop to reorder favorited payees. 4. Go to page 106 for more information about person to person payments. 5. Go to page 108 for more information about bill pay payments. 6. Go to page 101 for more information about external account payments.

Accounts: Favorite Payees

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Money View Initial Setup

Setting up financial goals for yourself is just as important as establishing a budget. As you move closer to your objectives, Money View not only serves as a rearview mirror to see how far you have come but also as a map, so you can see how much further you need to go. The path toward funding expenses such as a home, vacation or even the tuition for a new career becomes clearer and easier to manage. The tools within Money View help you calculate your net worth, set budgets, view your spending habits and trends, and set up a debt payment plan.

Money View: Initial Setup

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Tagging Transactions In order for our Money View tools to work properly, make sure your transactions are correctly tagged. When all your accounts are linked to Money View, your transactions are automatically tagged. Common tags include: travel, entertainment, health, home and utilities. If a transaction needs to be reassigned, you can manually edit the tag. Each tag has a corresponding icon assigned to it to help quickly identify a transaction’s financial tag. These icons are displayed next to each transaction in the Transactions page.

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Click the Money View tab, then click the “View Transactions” link. 1. Click a transaction to edit the tag.

Money View: Initial Setup

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2. Select a new tag. 3. (Optional) Check the box next to “Apply this tag and title to all similar transactions” to apply the tag to similar transactions. 4. Click the Save button.

Money View: Initial Setup

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Splitting a Transaction Money View offers the ability to split one transaction to represent multiple tags. For example, if a shopping trip needs to be split into multiple categories such as grocery, pharmacy and home supplies, you can review your receipt and split the total charge across multiple tags.

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Click the Money View tab, then click the “View Transactions” link. 1. Click a transaction to split.

Money View: Initial Setup

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2. Click the Use Split Tag button to split a transaction into multiple tags. 3. Select the tags. 4. Enter the amounts. 5. (Optional) After entering the first amount, click the “Autofill Remaining” link to automatically enter the remaining amount in the second tag. 6. Click the “Add Tag” link to add additional tags. 7. Click the Save button.

Money View: Initial Setup

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Money View Money View Dashboard

There are several features within Money View that are accessed through widgets or menu options on the Money View dashboard. These features help you review your finances within Money View.

Different widgets and menu options appear on the Money View dashboard, which take you to interactive features to help you manage your finances. • Spending: See your spending habits in a visual chart. • Budgets : Track your monthly finances by adding targets to help you better manage your expenses. • Cashflow: The cash flow calendar displays your income and bills on an interactive calendar. • Net Worth : Total your assets and debts and view a bar graph to see how funds are allocated. • Accounts: View and manage all of the accounts linked to Money View. • Transactions: Track your habits even further to see how you spend your money over time. • Goals: Add and track saving and spending goals.

Money View: Money View Dashboard

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Money View Spending by Category

The spending tool helps you stay on top of your expenses and ensures transactions are properly organized. Your spending habits are organized into a pie chart on the Money View dashboard for you to easily view your smallest and largest expenses. Seeing your expenses broken down allows you to choose where you can cut back, so funds can be used elsewhere.

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Click the Money View tab. A. Click a time period tab to view your spending habits during a specific time. B. Click a section of the pie chart to view spending in a specific category. C. Total amount spent in a category is located in the center of the chart. D. Click the “View Analyzer” link to view your spending on a line graph.

Money View: Spending by Category

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E. Adjust the time period by changing the dates or expanding and contracting the time period window. F. Click a category or the “View All” link to view all your spending habits or income as a list.

Money View: Spending by Category

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Money View Budget

A budget helps you manage your money based on how much you earn and spend. Our budget tool eliminates guesswork and helps you make an accurate budget quickly and efficiently. Before creating a budget, make sure your transactions are properly tagged.

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Click the Money View tab, then click the “View Budgets” link. A. Click the Add Budget button to add a new budget. B. Click the Budget Alert button to add a new budget alert.

C. Your budgets appear as a bar chart to track your progress. A green bar indicates you are within budget, a yellow bar is near budget and a red bar is over budget. D. Click the buttons to view another month’s budget.

Money View: Budget