Max Credit Union Online Banking Consumer User Guide

Online Banking Consumer User Guide

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

St. Louis, MO 63021 www.mcompany.com

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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 MAX Credit Union! 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 334.260.2600 or 800.776.6776.

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Table of Contents Getting Started

10 New User Enrollment ...................................................................................................7 Logging In.......................................................................................................................9 Logging Off ............................................................................................................................. 9 Resetting a Forgotten Password ............................................................................... Dashboard Dashboard Overview..................................................................................................11 Organize Dashboard ..................................................................................................13 Accounts Overview .....................................................................................................14 Account Details ........................................................................................................... Account Settings .........................................................................................................17 Download Transactions .............................................................................................18 Transaction Details .....................................................................................................19 Security Protecting Your Information...................................................................................... General Guidelines .............................................................................................................. 20 Login ID and Password........................................................................................................ 20 Fraud Prevention ................................................................................................................. 20 Security Preferences...................................................................................................22 Change Username ............................................................................................................... 22 Change Password ................................................................................................................ 23 Connected Apps (Desktop Only) ........................................................................................ 24 Two-Factor Authentication ................................................................................................. Alternate Verification Method............................................................................................ 27 Using an Authentication App.............................................................................................. 28 Remove Authentication....................................................................................................... 29 Mobile Security Preferences...................................................................................... Enabling Biometric Sign-In.................................................................................................. 30 Changing Passcode Authentication................................................................................... 32 Enabling Face ID................................................................................................................... 33 Alerts Alerts Overview ...........................................................................................................34 Balance Alerts....................................................................................................................... 34 Transaction Alerts................................................................................................................ Editing or Deleting Alerts ...........................................................................................36 Alerts ............................................................................................................................37 Mobile Notifications ...................................................................................................38 15 20 25 30 35

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Transactions Transfers ......................................................................................................................39 Adding an External Account ............................................................................................... 40 Confirming an External Account ........................................................................................ 41 Removing an External Account .......................................................................................... 42 Making a Transfer ................................................................................................................ 43 Making a Loan Transfer ...................................................................................................... 44 Editing Transfers .................................................................................................................. 45 Deleting Transfers ............................................................................................................... 46 Pay a Person Overview ......................................................................................................................47 Services eStatements ................................................................................................................48 eStatements Enrollment ..................................................................................................... 48 Viewing eStatements/Notices............................................................................................. 49 Stop Payment Request...............................................................................................50 Single Check ......................................................................................................................... 50 Multiple Checks ................................................................................................................... 52 Deposit Checks............................................................................................................54 Depositing a Check .............................................................................................................. 54 Messages Overview ....................................................................................................56 Skip a Payment............................................................................................................57 Settings Profile ...........................................................................................................................58 Insights Initial Setup..................................................................................................................59 Linking an Account............................................................................................................... 60 Tagging Transactions........................................................................................................... 61 Splitting a Transaction......................................................................................................... 63 Insights Dashboard.....................................................................................................65 Spending by Category ................................................................................................66 Budget ..........................................................................................................................67 Adding Budgets.................................................................................................................... 68 Managing Budgets............................................................................................................... 69 Add a Budget Alert............................................................................................................... 71 Cashflow Overview .....................................................................................................72 Add a Bill or Income ............................................................................................................ 73

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Net Worth ....................................................................................................................74 Add an Unlinked Asset or Debt.......................................................................................... 75 Goals.............................................................................................................................76 Adding Goals ........................................................................................................................ 77 Save for Goals....................................................................................................................... 77 Pay Off Goals ........................................................................................................................ 78 Add a Goal Alert ................................................................................................................... 79 Managing Goals ................................................................................................................... 80

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Getting Started New User Enrollment

If you’re new to Online Banking with MAX Credit Union, 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!

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1. Click the Login button. 2. Click the “Enroll” link.

3. Fill out the New User Enrollment Form with the required information, and click the Next button. 4. Choose your method to receive a one-time secure access code and enter the code. Note: MAX will never ask you to share this code. 5. Create your profile by adding your phone number and creating a username and password then click the Next button. Click the “Show Rules” link to view the types of characters to include. Security Reminder | Do not share your personal or account information with anyone. MAX will never contact you and ask for account number(s), username(s), passwords, secure access codes, your Social Security Number, your debit or credit card number, or your PIN. If you are suspicious of a request for data or information, end the conversation immediately and contact MAX directly.

Getting Started: New User Enrollment

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6. Set up your two-factor authentication and confirm. 7. Review the user agreement and click the Agree button. 8. The Dashboard will appear.

Note : You can also enroll directly from the mobile app. First, download and install the app from your device’s app store and then enroll.

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. If you are logging in on a device you have not previously registered, you need to request a two-factor authentication (2FA) code.

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1. Click the Login button. 2. Enter your login ID and password and click the Login button.

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 your name in the lower left corner of the screen. 2. Click the Sign out tab. 3. Close your internet browser.

Getting Started: Logging In

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Getting Started Resetting a Forgotten Password

If you happen to forget your password, you can easily reestablish a new one from the MAX Credit Union home page—no need to call us!

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1. Click the “Forgot Password” link. 2. Enter your username. 3. Enter your email address. 4. Click the Next button.

5. (Optional) If you don’t remember your username or email click the “Try another way” link and enter your social security number and account number. 6. After successfully completing the two-factor authentication, you will be able to create a new password and log in.

Getting Started: Resetting a Forgotten Password

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Dashboard 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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Dashboard: 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 drop-down tab. B. Your accounts are displayed in an account card with the available balance. If you click an account card, you are taken to the Account Details page. C. The icon allows you to organize your accounts, change the account card view or organize your dashboard. D. Links let you quickly access different Online Banking features. E. Customizable cards appear on the dashboard, so you can easily access the features that are most important to you.

Dashboard: Dashboard Overview

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Dashboard Organize Dashboard

Reorder and add new cards to customize your dashboard.

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Click the Organize dashboard button at the bottom of the dashboard. A. Click and drag a feature card to reorder them. B. Click the icon to delete a feature card. C. Click the “+ Add a card” link to add a new card. D. Click the “Done” link when you are finished to return to your dashboard.

Dashboard: Organize Dashboard

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Dashboard Accounts Overview

The accounts tab lists all of your available accounts.

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Click the Accounts tab. A. Use the

icon to search your accounts. B. Click the Organize accounts button to reorder your accounts. C. The total balance of all your accounts is displayed in the top right corner. D. Click on an account to view recent transactions.

Dashboard: Accounts Overview

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Dashboard Account Details

Selecting a MAX Credit Union 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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Dashboard: Account Details

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A. Download your transactions into a different format by clicking the

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See page 18 for more information. B. Print a list of your transactions by clicking the

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icon opens the search bar to sort and find transactions within that

account. D. The Transfers button allows you to transfer money between your accounts. See page 39 for more details. E. The eStatements button allows you to enroll in digital statements. See page 48 for more information. F. The Insights button takes you to our budgeting tool. See page 59 for more information. G. The Reorder Checks button allows you to reorder checks, if you have placed an order previously with MAX Credit Union. H. The Stop payments button allows you to stop a pending check payment. See page 50 for more information. I. The Alert preferences button allows you to create alerts for that account. See page 34 for more information. J. The Settings button allows you to edit the display options for that account. See page 58 for more information. K. You can view more details about a transaction by clicking on it. L. Additional details about the account are displayed in the lower right corner.

Dashboard: Account Details

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Dashboard Account Settings

Changing the account name is a useful tool to help you quickly identify your accounts, especially if you have linked accounts in addition to your primary account.

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In the Accounts tab, select an account. 1. Click the Settings button. 2. Click the “Rename” link to rename the account. 3. Use the toggles to change the account’s display options.

Note : You may choose to hide an account that you don’t want included in your overall transaction history on the Dashboard.

Dashboard: Account Settings

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Dashboard Download Transactions

Easily download a list of transactions.

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In the Accounts tab, select an account. 1. Click the icon. 2. Select a date range. 3. Select a file type. 4. Click the Download button.

Dashboard: Download Transactions

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Dashboard Transaction Details

View additional details about each transaction. You can also add tags, notes, and images to each transaction.

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In the Accounts tab, select an account. 1. Click a transaction.

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A. Click the “Add tags” link to categorize a transaction. B. Click the “Add notes” link to add a note to a transaction. C. Click the icon 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. Try this feature using MAX Credit Union’s mobile app.

Dashboard: Transaction Details

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Security Protecting Your Information

Here at MAX Credit Union, we work hard to protect your personal information and provide you with a dependable online experience. However, we rely on you to take further precautions to assure the safety of your accounts. By following our tips, Online 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 Banking. • Monitor your recent account history for unauthorized transactions. • Always log off Online 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. • Change your passwords periodically. • Memorize your passwords instead of writing them down. • Only register personal devices, and avoid using features that save your login IDs and passwords. Fraud Prevention • Do not open email attachments or click on links from unsolicited sources. • Avoid giving out personal information on the phone or through email. MAX will never contact you and ask for account number(s), username(s), passwords, secure access codes, your Social Security Number, your debit or credit card number, or your PIN. If you are suspicious of a request for data or information, end the conversation immediately and contact MAX directly.

Security: Protecting Your Information

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• 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 334.260.2600 or 800.776.6776.

Security: Protecting Your Information

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Security Security Preferences

We take security very seriously at MAX Credit Union, so we have added various tools to help you better protect your account information. You can add and manage these features in Security to strengthen your Online Banking experience.

Click your name in the lower left corner of the screen, then click Account Settings . 1. Click the Security tab. 1 Change Username You can change your username at any time. Create a unique username you will remember and that follows our required guidelines.

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1. Click the “Edit” link next to your username. 2. Send and enter a security code. 3. Enter your new username. 4. Click the “Show rules” link to view MAX Credit Union’s username requirements. Security: Security Preferences 5. Click the Save button when you are finished making changes.

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Change Password You can change your Online Banking password whenever you want. Follow our guidelines in the “Show Rules” link to create a strong password.

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5 1. Click the “Edit” link next to your password. 2. Send and enter a security code. 3. (Optional) Click the “Show rules” link to view MAX Credit Union’s password requirements. 4. Enter and confirm a new password. 5. Click the Save button when you are finished making changes.

Security: Security Preferences

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Connected Apps (Desktop Only) Edit the external app and website permisions that can access your account.

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1. Click the “Manage” link.

Security: Security Preferences

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Two-Factor Authentication We can verify your identity by sending a verification code to you by text message, voice call, an authentication app, or a FIDO security key. From here, you can make changes to your delivery preferences.

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1. Click the “Edit settings” link to reset your account. 2. Send and enter a security code. 3. Click the “Set up” link under “Voice or text message” to add another verification method. 4. Enter the phone number and click the Next button. 5. Select how you would like to recieve the verification codes and click the Send code button. 6. Enter your verification code and click the Verify button.

Security: Security Preferences

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7. Click the Done button. 8. (Optional) Click the “Set as Primary” link to set a number as the primary verification method.

Security: Security Preferences

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Alternate Verification Method When you need a verification code, click the “Try another way” to bring up the other verification number.

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1. Click the “Try another way” link. 2. Select the verification method.

3. Choose the delivery method and click the Next button. 4. Enter the verification code and click the Verify button.

Security: Security Preferences

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Using an Authentication App You can use an authentication app for two-factor authentication. Many authentication apps are compatible with the system. In this example, we’ll show how to set up two-factor authentication using the Authy app.

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1. Click the “Edit settings” link to reset your account. 2. Send and enter a security code. 3. Click the “Set up” link under “Authy” to use the Authy app to generate a unique code to authenticate your account. 4. Enter your email address and phone number and click the Next button. You will need to download the Authy app to receive your code.

Security: Security Preferences

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Remove Authentication

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1. Click the “Edit settings” link to reset your account. 2. Send and enter a security code. 3. Click the “Remove” link to remove a verification method.

Security: Security Preferences

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Security Mobile Security Preferences

Within MAX Credit Union’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, and 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 recognition technology, allowing you to perform tasks on your Apple ® or Android TM device with just your fingerprint. With this feature enabled, you can quickly and securely access your accounts using our mobile app!

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Sign in to MAX Credit Union’s Mobile Banking app and tap your name at the bottom of the menu, then click Settings . 1. Tap the Security tab. 2. Toggle the Biometric sign-in switch from “Off” to “On.” 3. Tap the “Enroll” link.

Security: Mobile Security Preferences

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4. Tap the Continue button. 5. Before you can register your fingerprints, you need to set a secure screen lock. Follow the steps to enable your preferred screen lock. 6. Scan your fingerprint. a. Apple® Device : Place your finger on the Home button to enable Touch ID. b. Android TM Device : Place your finger on the fingerprint scanner to enable Fingerprint Login. Location of scanner varies from device to device.

Security: Mobile Security Preferences

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Changing Passcode Authentication You can easily change the passcode created during your initial login.

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3 5 Sign in to MAX Credit Union’s Mobile Banking app and tap your name at the bottom of the menu, then click Settings . 1. Tap the Security tab. 4

2. Tap the Change passcode tab. 3. Enter your current passcode. 4. Enter a new passcode. 5. Confirm the new passcode.

Security: Mobile Security Preferences

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

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Sign in to MAX Credit Union’s Mobile Banking app and tap your name at the bottom of the menu, then click Settings . 1. Tap the Security tab. 2. Toggle the Face ID switch from “Off” to “On.” 3. Tap the “Enable Face ID” link.

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

Security: Mobile Security Preferences

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Alerts Alerts Overview

Stay on top of the transactions flowing to and from your accounts. When you create an alert through Online Banking, you specify the conditions that trigger that alert, so you stay on top of what’s important to you. Balance Alerts There should be no surprises when it comes to your finances. Balance Alerts can notify you when the balances in your accounts go below or above a set amount.

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In the Accounts tab, select an account. 1. Click the Alert preferences button. 2. Click the Balances, transactions, and deposits button. 3. Click the “+ Add alert” link. 4. Create an alert. 5. Check the boxes to select a notification method. 6. (Optional) Click the “Need to update your contact information?” link to update your contact information. 7. Click the Add alert button.

Alerts: Alerts Overview

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Transaction Alerts Different types of transactions can occur in your accounts. By creating Transaction Alerts, you can be notified when various transfers, payments or debits post to your account.

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In the Accounts tab, select an account. 1. Click the Alert preferences button. 2. Click the Balances, transactions, and deposits button.

3. Click the Transaction tab. 4. Click the “+ Add alert” link. 5. Create an alert. 6. Check the boxes to select a notification method. 7. (Optional) Click the “Need to update your contact information?” link to update your contact information. 8. Click the Add alert button.

Alerts: Alerts Overview

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Alerts Editing or Deleting Alerts

Quickly and easily edit or delete existing alerts.

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In the Accounts tab, select an account. 1. Click the Alert preferences button. 2. Click the Balances, transactions, and deposits button. 3. Click the “Edit” link next to the alert you would like to edit or delete. 4. To edit an alert: a. Make the necessary changes. b. Click the Save button. 5. To delete an alert: a. Click the icon.

Alerts: Editing or Deleting Alerts

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Alerts Alerts

Edit how common user alerts are delivered. These include login and contact information changes, and other security alerts.

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Click your name in the lower left corner of the screen, then click Account Settings . 1. Click the Alerts button. 2. Click an alert to make changes. 3. Use the toggles to select how you would like to receive the alert. 4. Click the Save button when you are finished.

Alerts: Alerts

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Alerts Mobile Notifications

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

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Sign in to MAX Credit Union’s Mobile Banking app and tap your name at the bottom of the menu, then click Settings . 1. Click the Notifications button. 2. Use the Notifications switch to enable or disable mobile notifications. 3. Select which types of notifications you would like to receive.

Alerts: Mobile Notifications

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Transactions Transfers

Use the Transfers feature when you need to make a one-time or recurring transfer between your MAX Credit Union or external accounts. These transactions go through automatically, so your money is always where you need it to be.

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Click the Transfers tab . A. Click the + External account button to add an external account. B. Click the Make a transfer button to make a transfer. C. Scheduled transfers are displayed as a list and on a calendar. D. Click the External accounts tab to view your external accounts.

Transactions: Transfers

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Adding an External Account Your accounts at other financial institutions can be linked to Online Banking with MAX Credit Union, so you can transfer money between two financial institutions without ever leaving home! When you go to add another account, you are asked to verify your ownership of that account by confirming two small deposits MAX Credit Union makes into the external account.

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Click the Transfers tab . 1. Click the + External account button to add an external account. 2. High risk transactions, such as adding an external account, require you to send and enter a security code. Go to page 25 for more information 3. Enter the account name. 4. Enter the financial institution’s routing number. These numbers are located at the bottom of a paper check or deposit slip from your checkbook. 5. Enter the account number. 6. Select the type of account using the “Account Type” drop-down. 7. Click the Submit button. In one to three business days, two small deposits will appear in your external account. Once you receive the deposits, you will need to confirm the deposits.

Transactions: Transfers

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Confirming an External Account As soon as MAX Credit Union makes two small deposits of less than a dollar into your external account, you are asked to verify those amounts within Online Banking. Once they are confirmed, you can begin transferring money to the external account.

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Click your name in the lower left corner of the screen, then click Account Settings . 1. Click the External Transfers tab. 2. Select the account you would like to verify. 3. Enter the amounts of the two micro-deposits made into your external account. 4. Click the Confirm button when you are finished. 5. Your can now make transfers to and from your account.

Transactions: Transfers

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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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Click your name in the lower left corner of the screen, then click Account Settings . 1. Click the External Transfers tab. 2. Click the “Remove account” link. 3. Click the Remove button to remove the external account.

Transactions: Transfers

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Making a Transfer

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Click the Transfers tab . 1. Click the Make a transfer button. 2. Select the accounts to transfer funds between using the “From” and “To” drop-downs. 3. Enter the amount to transfer. 4. (Optional) Click the “More options” link to view additional options. 5. Use the drop-down to select a frequency. 6. Use the calendar feature to select a date. 7. Click the Submit button when you are finished. 8. Once you receive a confirmation message, click the Done button.

Transactions: Transfers

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Making a Loan Transfer

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Click the Transfers tab . 1. Click the Make a transfer button. 2. Select the accounts to transfer funds between using the “From” and “To” drop-downs. 3. Enter the amount to transfer. 4. (Optional) Click the “More options” link to view additional options. a. Use the drop-down to select a payment type. b. Use the drop-down to select a frequency. c. Use the calendar feature to select a date. d. Enter a memo. 5. Click the Submit button when you are finished. 6. Once you receive a confirmation message, click the Done button.

Transactions: Transfers

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Editing Transfers You can edit pending transactions up until their process date.

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Click the Transfers tab . 1. Browse through your pending transactions and locate the transaction you would like to edit. 2. Make the necessary edits and then click the Save button when you are finished. 3. Once you receive a confirmation message, click the Done button.

Transactions: Transfers

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Deleting Transfers You can delete pending transactions up until their process date.

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Click the Transfers tab . 1. Browse through your pending transactions and locate the transaction you would like to delete. 2. Click the icon. 3. Click the Delete button. 4. Click the OK button.

Transactions: Transfers

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Pay a Person Overview

Pay a Person makes it easy to send money to other people. This user-friendly way to transfer funds allows you to send money to anyone in the U.S. quickly, easily, and securely - and with no fees. With Pay a Person you can: • Send funds to anyone, anywhere, regardless of where they bank • Choose whether the funds come from your checking or savings accounts • Make real-time transfers and schedule single or recurring transfers for a future date • Eliminate the need for third-party P2P apps or paper checks • Receive confirmation when payments are complete Sending money with Pay a Person is easy: • Recipients don't have to have a MAX account • All they need is a bank account and an email or mobile phone number • Payments are secure • You'll give your recipient a one-time passphrase for your first transfer • Your recipient can choose what speed they'll receive their funds — real time or 1-2 business days via ACH Stay Secure | Never share your personal or financial account information with others. MAX will never contact you and ask for your account number, online banking username, password, or a one-time passcode. We will never ask you to send money through Pay a Person.

Pay a Person: Overview

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Services eStatements

The eStatements feature is a great virtual filing system for your bank statements, saving you paper and space. By storing your statements electronically, your account information is always readily available when you need it. eStatements Enrollment

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In the Accounts tab, select an account. 1. Click the eStatements button. 2. Use the drop-down to select an account. 3. Select a delivery preference. If requesting digital statements, enter an email address. 4. Click the Save button.

Printed and mailed statements may incur a service charge.

Services: eStatements

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Viewing eStatements/Notices

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In the Accounts tab, select an account. 1. Click the eStatements button. 2. Use the drop-down to select an account. 3. Click the View button to view a statement or notice.

4. Click the Download button to download a statement or notice. 5. Click the View Transactions button to view a list of transactions.

Services: eStatements

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Services Stop Payment Request

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. If you need the current fee information, please visit our website, www.mymax.com.

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In the Accounts tab, select an account. 1. Click the Stop payments button. 2. If you have previous stop payments, click the “+ Add another stop payment” link. 3. Select “A single check.”

Services: Stop Payment Request

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4. Enter the check number. 5. (Optional) Enter the payee. 6. (Optional) Enter the amount. 7. (Optional) Select a reason for the stop payment. 8. Click the Submit button. 9. Review the stop payment request and click the Confirm button. 10. Click the OK button.

Services: Stop Payment Request

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Multiple Checks If you’re ever worried about a range of checks or multiple pending written checks, you can initiate a stop payment request to prevent the checks from being processed. If you need the current fee information, please visit our website, www. mymax.com.

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In the Accounts tab, select an account. 1. Click the Stop payments button. 2. If you have previous stop payments, click the “+ Add another stop payment” link. 3. Select “A range of checks.”

Services: Stop Payment Request

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4. Enter the starting and ending check number. 5. (Optional) Select a reason for the stop payment. 6. Click the Submit button. 7. Review the stop payment request and click the Confirm button. 8. Click the OK button.

Services: Stop Payment Request

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Services Deposit Checks

Our Online Banking app gives you the tools to tackle your finances how you want. Enroll in Remote Deposit to deposit checks from anywhere at anytime from your mobile device or tablet. Depositing a Check With a snap of a photo, you can deposit checks into your Online Banking account.

Note : This feature is only available when using our mobile banking app on your mobile device or tablet.

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Log in to our MAX Credit Union Mobile Banking app. Click the Deposit Checks tab . 1. Tap the Make a deposit button. 2. Enter the dollar amount of the check and click the Continue button. 3. Select an account to deposit to.

Services: Deposit Checks

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4. Sign the back of the check, write “For Deposit Only.” Place the check on a flat, well-lit, surface and tap Tap to capture to take an image of the front of the check. 5. Verify that all four corners of the check are visible and all elements are legible. Click the Continue button. 6. Tap Tap to capture to take an image of the back of the check. 7. Verify that all four corners of the check are visible and all elements are legible. Click the Continue button. 8. Review the deposit information and tap the Submit button when you are

finished. You will see a confirmation message, click the OK button.

Services: Deposit Checks

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Services Messages Overview

Recieve messages about your accounts.

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Click the Messages tab . A. Previous and new conversations are displayed on the left.

Services: Messages Overview

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Services Skip a Payment

The Skip A Payment program gives you the option to defer monthly payments on an eligible MAX Loan. The skipped payments are added to the end of the loan without affecting your credit. If you have an eligible single-signer loan, you can process your Skip a Payment in online banking. At this time, loans with joint signers must process Skip a Payment requests by visiting a branch or by contacting the call center at 334.260.2600 (local) or 800.776.6776 (toll-free). How it Works: • Skip one monthly payment on a qualifying MAX loan once per year. • Complete the request form and pay a $35 fee to schedule your skip. • Use the extra cash for bills, emergency expenses, holiday shopping, vacations, or any financial need. Skip a Payment is offered to eligible members during the summer and winter seasons. If you do not currently have $35 available in your account, you will not be able to process the Skip a Payment fee. Add funds to your account using Mobile Deposit, set up an external transfer, or deposit cash at your closest branch.

Services: Skip a Payment

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Settings Profile

It is important to maintain current contact information on your account, and you can always update your profile overview and settings. Please note, updating your Online Banking profile also updates your member contact information at MAX Credit Union.

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Click your name in the lower left corner of the screen, then click Personal Settings . 1. Update your contact information by clicking the “Edit” links.

Settings: Profile

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Insights Initial Setup

Setting up financial goals for yourself is just as important as establishing a budget. As you move closer to your objectives, Insights 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 other goal is clearer and easier to manage. The tools within Insights help you calculate your net worth, set budgets, view your spending habits and trends and set up a debt payment plan.

Note : See the Insights Terms and Conditions for more information. You should use the results of any personal financial management tools only in conjunction with the services of a licensed and trusted financial advisor.

Insights: Initial Setup

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Linking an Account Before you can begin setting up your financial goals, you need to add or link all your accounts, items you own and debts.

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In the Insights tab, click the Budgets tab. Click the icon and select “Link Account.” 1. Click the Next button. 2. (Optional) Enter your mobile number and click the Next button if you would like Finicity, a Mastercard company, to quickly and securely access your saved accounts. 3. To manually add an account, click the “Maybe later” link. 4. Locate your financial institution using the search bar or list. 5. Log into your account using your login credentials for that institution.

Settings: Initial Setup

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Tagging Transactions In order for our Insights tools to work properly, make sure your transactions are correctly tagged. When all your accounts are linked to Insights, 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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In the Insights tab, click the Budgets tab. Click the icon and select “Transaction Search.” 1. Click a transaction to edit the tag.

Settings: 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 Transaction button.

Settings: Initial Setup

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Splitting a Transaction Insights 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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In the Insights tab, click the Budgets tab. Click the icon and select “Transaction Search.” 1. Click a transaction to split.

Settings: 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.

Settings: Initial Setup

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Insights Insights Dashboard

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

Different widgets and menu options appear on the Insights dashboard. Each option includes 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 TotalView. • Transactions: Track your habits even further to see how you spend your money over time. • Goals: Add and track saving and spending goals.

Settings: Insights Dashboard

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Insights Spending by Category

The spending tool helps you stay on top of your expenses and ensures transactions are properly organized. Seeing your expenses broken down allows you to choose where you can cut back, or reallocate spending. A B

In the Insights tab, click the Spending by category tab. A. Adjust the time period by changing the dates or expanding and contracting the time period window. B. Click a category or the “View All” link to view all your spending habits or income as a list.

Settings: Spending by Category

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Insights Budget

A budget helps you manage your money based on how much you earn and spend. Our budget tool eliminates guess work and helps you make an accurate budget quickly and efficiently. Before creating a budget, make sure your transactions are properly tagged. Go to page 61 for more information.

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In the Insights tab, click the Budgets tab. A. Click the Add Budget button to add a new budget.

B. 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. C. Click the < > buttons to view another month’s budget.

Settings: Budget

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Adding Budgets Within the budget tool, you can add new budgets to help manage your spending.

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In the Insights tab, click the Budgets tab. 1. Click the Add Budget button. 2. Check the boxes next to the tags you would like to include in the budget. 3. (Optional) Click the “Show More” link to show more tag options. 4. Click the Next button. 5. Enter a budget name. 6. Enter a monthly limit. 7. Click the Next button. 8. Check the box to “Create an alert for your budget” and click the Next button. 9. Choose the accounts to include. 10. Click the Finish button. 11. (Optional) Provide contact information for the alert.

Settings: Budget

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Managing Budgets Within the budget tool, you can edit or delete an existing budget.

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In the Insights tab, click the Budgets tab. 1. Click on a budget. 2. Click the “View Transactions” link to view transactions in this budget. 3. Click the Edit Budget button.

Settings: Budget