Morgantown Bank & Trust Digital Banking User Guide

Digital Banking User Guide

II

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

St. Louis, MO 63021 www.mcompany.com

© 2009-2023 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 Morgantown Bank and Trust! 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 270-526-3881.

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Table of Contents Getting Started

Digital Banking System Requirements......................................................................10 Browser (Desktop & Mobile)............................................................................................... 10 Mobile Device (App)............................................................................................................. 10 Mobile Remote Deposit Capture........................................................................................ 10 New User Enrollment..................................................................................................11 Logging In.....................................................................................................................12 Logging Off............................................................................................................................ 12 Resetting a Forgotten Password................................................................................13 Retrieve a Forgotten Username................................................................................14 Accounts Dashboard Overview..................................................................................................15 Account Details Overview...........................................................................................16 Transaction Details......................................................................................................17 Adding a New Account................................................................................................19 Adding an Account to My Money....................................................................................... 20 Adding an External Account................................................................................................ 21 Removing an External Account........................................................................................... 23 Opening a New Account...................................................................................................... 24 Organize Dashboard...................................................................................................26 Reorder Accounts................................................................................................................. 26 Rename Accounts................................................................................................................. 27 Hide/Unhide Accounts......................................................................................................... 28 Hide/Unhide Dashboard Tiles............................................................................................. 29 App Appearance................................................................................................................... 30 Quick Pay......................................................................................................................31 Selecting Favorite Payees.................................................................................................... 31 Person to Person.................................................................................................................. 32 Bill Pay................................................................................................................................... 34 External Account.................................................................................................................. 36 Monthly Activity...........................................................................................................38 My Money Initial Setup..................................................................................................................39 Tagging Transactions........................................................................................................... 40 Splitting a Transaction......................................................................................................... 42 My Money Dashboard................................................................................................44 Spending by Category.................................................................................................45

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Budget. .........................................................................................................................47 Adding Budgets.................................................................................................................... 48 Managing Budgets............................................................................................................... 49 Add a Budget Alert............................................................................................................... 51 Cashflow Overview......................................................................................................52 Add a Bill or Income............................................................................................................. 53 Net Worth.....................................................................................................................54 Add an Unlinked Asset or Debt.......................................................................................... 55 Goals.............................................................................................................................56 Adding Goals......................................................................................................................... 57 Save for Goals....................................................................................................................... 57 Pay Off Goals........................................................................................................................ 58 Add a Goal Alert.................................................................................................................... 59 Managing Goals.................................................................................................................... 60 Security Protecting Your Information......................................................................................61 General Guidelines............................................................................................................... 61 Login ID and Password........................................................................................................ 61 Fraud Prevention.................................................................................................................. 61 Login Settings...............................................................................................................62 Change Username................................................................................................................ 62 Change Password................................................................................................................. 63 Change Security Questions................................................................................................. 64 Recent Logins...............................................................................................................65 Mobile Security Preferences......................................................................................66 Enabling Biometric Sign-In.................................................................................................. 66 Enabling FaceID.................................................................................................................... 67 Enabling PIN Login......................................................................................................68 Auto-Login....................................................................................................................69 Alerts Alerts Overview............................................................................................................70 Custom Alerts....................................................................................................................... 71 Bill Pay Alerts........................................................................................................................ 72 Security Alerts....................................................................................................................... 73 My Money Alerts................................................................................................................... 74 Turning Alerts On and Off................................................................................................... 75 Editing or Deleting Alerts............................................................................................76 Previous Alerts.............................................................................................................77

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Move Money Move Money Overview...............................................................................................78 Bill Pay Enrollment......................................................................................................79 Adding a Payee............................................................................................................81 Person to Person Payee...................................................................................................... 81 Bill Pay Payee - Company.................................................................................................... 83 Bill Pay Payee - Individual.................................................................................................... 85 Favoriting a Payee................................................................................................................ 88 Editing a Payee...................................................................................................................... 89 Deleting a Payee................................................................................................................... 90 New Transaction..........................................................................................................91 Transferring Money Between Your Accounts................................................................... 91 Making a Loan Payment...................................................................................................... 93 Transferring Money to Another Person (P2P)................................................................... 95 Making a Bill Pay Payment.................................................................................................. 97 Editing Transfers/Payments................................................................................................ 99 Skip Transfers/Payments.................................................................................................. 100 Deleting Transfers/Payments.......................................................................................... 101 ACH New ACH Batch.........................................................................................................102 Part 1: Creating an ACH Batch......................................................................................... 102 Part 2: Adding an Existing Participant............................................................................. 104 Part 3: Adding a Detailed Record.................................................................................... 105 Part 4: Finalizing the ACH Batch...................................................................................... 107 Part 5: Scheduling the ACH Batch................................................................................... 108 Part 6: Reviewing the ACH Batch..................................................................................... 109 Part 7: Multi-Factor Authentication................................................................................. 110 Creating an ACH Template......................................................................................111 Part 1: Creating an ACH Template................................................................................... 111 Part 2: Adding an Existing Participant............................................................................. 113 Part 3: Adding a Detail Record......................................................................................... 114 Part 4: Finalizing an ACH Template................................................................................. 116 Part 5: Reviewing an ACH Template................................................................................ 117 Initiating a Template................................................................................................118 Part 1: Initiating a Template............................................................................................. 118 Part 2: Scheduling an ACH Batch..................................................................................... 120 Part 3: Reviewing an ACH Batch...................................................................................... 121 Part 4: Multi-Factor Authentication................................................................................. 122 Editing an ACH Template.........................................................................................123 Deleting an ACH Template......................................................................................124

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ACH File Upload........................................................................................................125 Creating a Template for Delimiter Separated File Uploads......................................... 127 Editing a Template for Delimiter Separated File Uploads............................................ 129 Deleting a Template for Delimiter Separated File Uploads.......................................... 130 Uploading a Delimiter Separated File............................................................................. 131 Editing an ACH Batch...............................................................................................134 Deleting an ACH Batch.............................................................................................135 Approving an ACH Batch.........................................................................................136 Reversing an ACH Batch..........................................................................................137 Deposit Checks Remote Deposit........................................................................................................139 Manage Cards Turn Card On or Off.................................................................................................140 Card Name................................................................................................................141 Card Alert..................................................................................................................142 Temporary Spending Limit Increase......................................................................143 Change PIN................................................................................................................144 Report Lost or Stolen Card......................................................................................145 Travel Notification....................................................................................................146 Enable Automatic On/Off........................................................................................148 Overview.................................................................................................................... 150 Send an Invoice.........................................................................................................151 Edit Invoice Draft......................................................................................................153 Mark Invoice as Paid................................................................................................154 Copy Invoice..............................................................................................................155 Email Invoice.............................................................................................................157 Cancel Invoice...........................................................................................................158 Edit Recurring Schedule...........................................................................................159 Pause Recurring Schedule.......................................................................................161 Resume Recurring Schedule...................................................................................162 Cancel Recurring Schedule......................................................................................163 Export Invoices.........................................................................................................164 New Estimate............................................................................................................165 Edit an Estimate........................................................................................................167 Email an Estimate.....................................................................................................169 Create an Invoice from an Estimate.......................................................................170 Cancel an Estimate...................................................................................................172 Export Estimates.......................................................................................................173 Add a Customer........................................................................................................174 Import Customers....................................................................................................175

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Export Customers.....................................................................................................176 Edit a Customer........................................................................................................177 Archive a Customer..................................................................................................179 Invoice Balance Details............................................................................................181 New Product/Service................................................................................................182 Edit Product/Service.................................................................................................183 Delete Product/Service............................................................................................185 Invoice Settings.........................................................................................................186 Edit Invoice Reminders and Fees.................................................................................... 187 Payment Form Settings...........................................................................................189 Share Your Payment Form Link..............................................................................190 Email Your Payment Form Link..............................................................................191 Payments................................................................................................................... 192 Refund a Payment....................................................................................................193 Cancel a Payment.....................................................................................................194 Add a Vendor............................................................................................................195 Import Vendors.........................................................................................................196 Export Vendors.........................................................................................................197 Edit a Vendor.............................................................................................................198 Archive a Vendor......................................................................................................200 Pay Vendor Invoice...................................................................................................202 New Vendor Invoices...............................................................................................204 Cancel Invoice...........................................................................................................206 Print a Check.............................................................................................................207 Cancel a Check..........................................................................................................208 Reports. ..................................................................................................................... 209 Reports Creating a New Report.............................................................................................210 Account Activity Report..................................................................................................... 210 Sub-User Account Access Report.................................................................................... 211 Running an Existing Report.....................................................................................212 Editing a Report........................................................................................................213 Deleting a Report......................................................................................................214 Services Locations. .................................................................................................................. 215 Secure Message Overview......................................................................................216 Sending a Secure Message......................................................................................217 Submit a Form................................................................................................................... 218

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Documents................................................................................................................ 219 Document Enrollment...................................................................................................... 219 Viewing Documents.......................................................................................................... 220 Chat............................................................................................................................ 221 Settings Contact Settings........................................................................................................222 Adding a New Phone......................................................................................................... 222 Editing a Phone.................................................................................................................. 223 Deleting a Phone............................................................................................................... 224 Editing an Email Address.................................................................................................. 225 Sub-Users Sub-Users Overview.................................................................................................226 Sub-User Overview............................................................................................................ 227 Adding a New Sub-User ................................................................................................... 228 Editing a Sub-User....................................................................................................230 Part 1: Editing Sub-User Access....................................................................................... 231 Part 2: Editing Sub-User Limits........................................................................................ 232 Deleting a Sub-User.................................................................................................233

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Getting Started

Digital Banking System Requirements

Browser (Desktop & Mobile) Morgantown Bank supports Microsoft Edge, Google Chrome, Mozilla Firefox and Safari. Our recommendation is that both consumer and admin users of Digital Banking keep the latest version of browsers to ensure that the latest security patches are in place. Mobile Device (App)

• iOS devices should support version 11.0 and greater • Android Devices should support version 4.4 and greater • 4G/LTE and greater Mobile Remote Deposit Capture • Recommended camera resolution is 1600X1200 pixels

Getting Started: Digital Banking System Requirements

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Getting Started New User Enrollment

If you’re new to Online Banking with Morgantown 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! 1. Type morgantownbank.com into your browser, and click the Online Banking Login button. 2. Click the Enroll button. 3. Indicate whether you have an account or need to open a new account and click the Continue button. 4. Click the Let’s Get Started! button. 5. Enter your personal information and click the Continue button. 6. You will be asked to answer four verification questions. 7. 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 Morgantown Bank. If you do not want to utilize this additional verification step, choose None. 8. Read the welcome information and click the Finish button. 9. 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. 10. Click the link in the email then create your own username and password. 11. Choose three security questions and enter the appropriate responses. 12. You will then be taken to into your Morgantown Bank Online Banking experience after accepting the terms and conditions. Note : If the information entered does not match your bank account record at Morgantown Bank or if you have an old Digital Banking account, you will need to call us at 270-526-3881.

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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Logging Off For your security, you should always log off when you finish your Online Banking 1. Click the Online Banking Login button. 2. Enter your user name and click the Login button. 3. (Optional) Check the box to remember your username. 4. Enter your password and click the Sign In button. 5. If this is the first time you are logging in from an unregistered device you will need to answer a security question. 10a 1a 2a 3a 4a 5a 6a 7a 8a 9a 10b 1b 2b 3b 4b 5b 6b 7b 8b 9b 10c 1c 2c 3c 4c 5c 6c 7c 8c 9c 10d 11a 12a 13a 14a 15a 16a 17a 18a 19a 20a 11b 12b 13b 14b 15b 16b 17b 18b 19b 20b 1d 2d 3d 4d 5d 6d 7d 8d 9d J1 A1 B1 C1 D1 E1 F1 G1 H1 I1 J2 A2 B2 C2 D2 E2 F2 G2 H2 I2 J3 A3 B3 C3 D3 E3 F3 G3 H3 I3

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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Getting Started

Resetting a Forgotten Password

If you happen to forget your password, you can easily reestablish a new one from the Morgantown Bank Home page—no need to call us!

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Getting Started: Resetting a Forgotten Password

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Getting Started Retrieve a Forgotten Username

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

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Getting Started: Retrieve a Forgotten Username

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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! 10

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Accounts: Dashboard Overview

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Accounts Account Details Overview

Selecting an Morgantown 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. 10 11 12 13 14 15 16 17 18 19 20 21 22 23 24 25 26 27 28 29 30 1 2 3 4 5 6 7 8 9

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11 12 13 14 15 16 17 18 19 21 22 23 24 25 26 27 28 29 1 2 3 4 5 6 7 8 9 K L M N O P Q R S U V W X Y Z A B C D E F G H I 11 12 13 14 15 16 17 21 22 23 24 25 26 27 1 2 3 4 5 6 7 1a 2a 3a 4a 5a 6a 7a 8a 9a 1b 2b 3b 4b 5b 6b 7b 8b 9b 1c 2c 3c 4c 5c 6c 7c 8c 9c J1 K L M N O P Q U V W X Y Z A B C D E F G 11a 12a 13a 14a 15a 16a 17a 18a 19a 1a 2a 3a 4a 5a 6a 7a 1b 2b 3b 4b 5b 6b 7b 1c 2c 3c 4c 5c 6c 7c J2 J3 11b 12b 13b 14b 15b 16b 17b 18b 19b 1d 2d 3d 4d 5d 6d 7d 8d 9d A1 B1 C1 D1 E1 F1 G1 H1 I1 A2 B2 C2 D2 E2 F2 G2 H2 I2 A3 B3 C3 D3 E3 F3 G3 H3 I3 11a 12a 13a 14a 15a 16a 17a 11b 12b 13b 14b 15b 16b 17b 1d 2d 3d 4d 5d 6d 7d J2 J3

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A1 B1 C1 D1 E1 F1 G1 H1 I1

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11a 12a 13a 14a 15a 16a 17a 18a 19a 20a 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. The Statements button allows you to enroll in and access digital statements. Go to page 219 for more information. G. You can view more details about a transaction by clicking on it. H. More details about the account are displayed in the upper right corner. Click the icon to view additional details. 11b 12b 13b 14b 15b 16b 17b 18b 19b 20b J1 A1 B1 C1 D1 E1 F1 G1 H1 I1 J2 A2 B2 C2 D2 E2 F2 G2 H2 I2 J3 A3 B3 C3 D3 E3 F3 G3 H3 I3 J1 J2 J3 J3 A3 B3 C3 D3 E3 F3 G3 H3 I3 J1 J2 J3 A1 B1 C1 D1 E1 F1 G1 H1 I1 11b 12b 13b 14b 15b 16b 17b 18b 19b 20b A2 B2 C2 D2 E2 F2 G2 H2 I2 A1 B1 C1 D1 E1 F1 G1 H1 I1 A3 B3 C3 D3 E3 F3 G3 H3 I3 A2 B2 C2 D2 E2 F2 G2 H2 I2 J1 A3 B3 C3 D3 E3 F3 G3 H3 I3

11b 12b 13b 14b 15b 16b 17b 18b 19b 20b

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A1 B1 C1 D1 E1 F1 G1 A2 B2 C2 D2 E2 F2 G2 A3 B3 C3 D3 E3 F3 G3

Accounts: Account Details Overview

17

Accounts Transaction Details

Access additional details about your transactions.

10 11 12 13 14 15 16 17 18 19 20 21 22 23 24 25 26 27 28 29 30 1 2 3 4 5 6 7 8 9 J KLMNOPQRST U V W X Y Z A B C D E F G H I 10a 1a 2a 3a 4a 5a 6a 7a 8a 9a 10b 1b 2b 3b 4b 5b 6b 7b 8b 9b 10c 1c 2c 3c 4c 5c 6c 7c 8c 9c 10d 11a 12a 13a 14a 15a 16a 17a 18a 19a 20a 11b 12b 13b 14b 15b 16b 17b 18b 19b 20b 1d 2d 3d 4d 5d 6d 7d 8d 9d J KLMNOPQRST U V W X Y Z A B C D E F G H I A1 B1 C1 D1 E1 F1 G1 H1 I1 10a 1a 2a 3a 4a 5a 6a 7a 8a 9a 10b 1b 2b 3b 4b 5b 6b 7b 8b 9b 10c 1c 2c 3c 4c 5c 6c 7c 8c 9c 10d 1d 2d 3d 4d 5d 6d 7d 8d 9d J2 A2 B2 C2 D2 E2 F2 G2 H2 I2 J3 A3 B3 C3 D3 E3 F3 G3 H3 I3 10 11 12 13 14 15 16 17 18 19 20 21 22 23 24 25 26 27 28 29 30 1 2 3 4 5 6 7 8 9 J1

11 12 13 21 22 23 1 2 3 K L M U V W A B C 1a 2a 3a 1b 2b 3b 1c 2c 3c

10 11 12 13 14 15 16 17 18 19 20 21 22 23 24 25 26 27 28 29 30 1 2 3 4 5 6 7 8 9 J KLMNOPQRST U V W X Y Z A B C D E F G H I 10a 1a 2a 3a 4a 5a 6a 7a 8a 9a 10b 1b 2b 3b 4b 5b 6b 7b 8b 9b 10c 1c 2c 3c 4c 5c 6c 7c 8c 9c 10d 11a 12a 13a 14a 15a 16a 17a 18a 19a 20a 11b 12b 13b 14b 15b 16b 17b 18b 19b 20b 1d 2d 3d 4d 5d 6d 7d 8d 9d J KLMNOPQRST U V W X Y Z A B C D E F G H I J1 A1 B1 C1 D1 E1 F1 G1 H1 I1 J2 A2 B2 C2 D2 E2 F2 G2 H2 I2 J3 A3 B3 C3 D3 E3 F3 G3 H3 I3 10a 1a 2a 3a 4a 5a 6a 7a 8a 9a 10b 1b 2b 3b 4b 5b 6b 7b 8b 9b 10c 1c 2c 3c 4c 5c 6c 7c 8c 9c 10d 1d 2d 3d 4d 5d 6d 7d 8d 9d 10 11 12 13 14 15 16 17 18 19 20 21 22 23 24 25 26 27 28 29 30 1 2 3 4 5 6 7 8 9

On the dashboard, select an account to view the Account Details screen. 1. Click a transaction. 10 11 12 13 14 15 16 17 18 19 20 21 22 23 24 25 26 27 28 29 30 1 2 3 4 5 6 7 8 9

10a 1a 2a 3a 4a 5a 6a 7a 8a 9a 10b 1b 2b 3b 4b 5b 6b 7b 8b 9b 10c 1c 2c 3c 4c 5c 6c 7c 8c 9c 10d 1d 2d 3d 4d 5d 6d 7d 8d 9d J KLMNOPQRST U V W X Y Z A B C D E F G H I

1d 2d 3d

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A1 B1 C1 A2 B2 C2 A3 B3 C3

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A1 B1 C1 D1 E1 F1 G1 H1 I1

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A1 B1 C1 D1 E1 F1 G1 H1 I1

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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. A2 B2 C2 D2 E2 F2 G2 H2 I2 A3 B3 C3 D3 E3 F3 G3 H3 I3 J1 J3 A3 B3 C3 D3 E3 F3 G3 H3 I3

J2

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11b 12b 13b 14b 15b 16b 17b 18b 19b 20b

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Accounts: Transaction Details

18

10 11 12 13 14 15 16 17 18 19 20 21 22 23 24 25 26 27 28 29 30 1 2 3 4 5 6 7 8 9 J KLMNOPQRST U V W X Y Z A B C D E F G H I 10a 1a 2a 3a 4a 5a 6a 7a 8a 9a 10b 1b 2b 3b 4b 5b 6b 7b 8b 9b 10c 1c 2c 3c 4c 5c 6c 7c 8c 9c 10d 1d 2d 3d 4d 5d 6d 7d 8d 9d

10 11 12 13 14 15 16 17 18 19 20 21 22 23 24 25 26 27 28 29 30 1 2 3 4 5 6 7 8 9 J KLMNOPQRST U V W X Y Z A B C D E F G H I

10a 1a 2a 3a 4a 5a 6a 7a 8a 9a 10b 1b 2b 3b 4b 5b 6b 7b 8b 9b 10c 1c 2c 3c 4c 5c 6c 7c 8c 9c 10d 1d 2d 3d 4d 5d 6d 7d 8d 9d A3 B3 C3 D3 E3 F3 G3 H3 I3 Note : Adding a tag makes transactions easier to search. Adding an image is a great way to organize receipts. icon to add a note to a transaction. D. Click the “+ Attach Image(s)” link to add an image to a transaction. 11a 12a 13a 14a 15a 16a 17a 18a 19a 20a 11b 12b 13b 14b 15b 16b 17b 18b 19b 20b J1 A1 B1 C1 D1 E1 F1 G1 H1 I1 J2 A2 B2 C2 D2 E2 F2 G2 H2 I2 J3 C. Click the

11a 12a 13a 14a 15a 16a 17a 18a 19a 20a

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Accounts: Transaction Details

19

Accounts Adding a New Account

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

10 11 12 13 14 15 16 17 18 19 20 21 22 23 24 25 26 27 28 29 30 1 2 3 4 5 6 7 8 9 J KLMNOPQRST U V W X Y Z A B C D E F G H I 10a 1a 2a 3a 4a 5a 6a 7a 8a 9a 10b 1b 2b 3b 4b 5b 6b 7b 8b 9b 10c 1c 2c 3c 4c 5c 6c 7c 8c 9c 10d 1d 2d 3d 4d 5d 6d 7d 8d 9d

11a 12a 13a 14a 15a 16a 17a 18a 19a 20a

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Click the View Accounts tab. 1. Click the icon. 2. For information about adding an account to Money Manger, go to page 20. 3. For information about adding an external account, go to page 21. 4. For information about opening a new account, go to page 24.

Accounts: Adding a New Account

20

Adding an Account to My Money Your Morgantown Bank accounts are automatically linked to My Money. You can also aggregate your external accounts. For more information about My Money go to page 39.

10 11 12 13 14 15 16 17 18 19 20 21 22 23 24 25 26 27 28 29 30 1 2 3 4 5 6 7 8 9 J KLMNOPQRST U V W X Y Z A B C D E F G H I 10a 1a 2a 3a 4a 5a 6a 7a 8a 9a 10b 1b 2b 3b 4b 5b 6b 7b 8b 9b 10c 1c 2c 3c 4c 5c 6c 7c 8c 9c 10d 1d 2d 3d 4d 5d 6d 7d 8d 9d

10 11 12 13 14 15 16 17 18 19 20 21 22 23 24 25 26 27 28 29 30 1 2 3 4 5 6 7 8 9 J KLMNOPQRST U V W X Y Z A B C D E F G H I 10a 1a 2a 3a 4a 5a 6a 7a 8a 9a 10b 1b 2b 3b 4b 5b 6b 7b 8b 9b 10c 1c 2c 3c 4c 5c 6c 7c 8c 9c 10d 1d 2d 3d 4d 5d 6d 7d 8d 9d 11a 12a 13a 14a 15a 16a 17a 18a 19a 20a J KLMNOPQRST U V W X Y Z A B C D E F G H I 11b 12b 13b 14b 15b 16b 17b 18b 19b 20b 10 11 12 13 14 15 16 17 18 19 20 21 22 23 24 25 26 27 28 29 30 1 2 3 4 5 6 7 8 9

11a 12a 13a 14a 15a 16a 17a 18a 19a 20a

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Accounts: Adding a New Account A1 B1 C1 D1 E1 F1 G1 H1 I1 A2 B2 C2 D2 E2 F2 G2 H2 I2 10a 1a 2a 3a 4a 5a 6a 7a 8a 9a 10b 1b 2b 3b 4b 5b 6b 7b 8b 9b 10c 1c 2c 3c 4c 5c 6c 7c 8c 9c 10d 1d 2d 3d 4d 5d 6d 7d 8d 9d J KLMNOPQRST U V W X Y Z A B C D E F G H I 1. Click the My Money button. 2. Locate your financial institution using the list or the search bar. 3. Select an account type. 4. Enter your user ID and password, and click the Connect button to finish linking an account. A3 B3 C3 D3 E3 F3 G3 H3 I3 10a 1a 2a 3a 4a 5a 6a 7a 8a 9a 10b 1b 2b 3b 4b 5b 6b 7b 8b 9b 10c 1c 2c 3c 4c 5c 6c 7c 8c 9c 10d 11a 12a 13a 14a 15a 16a 17a 18a 19a 20a 11b 12b 13b 14b 15b 16b 17b 18b 19b 20b 1d 2d 3d 4d 5d 6d 7d 8d 9d 10 11 12 13 14 15 16 17 18 19 20 21 22 23 24 25 26 27 28 29 30 1 2 3 4 5 6 7 8 9 J1 A1 B1 C1 D1 E1 F1 G1 H1 I1 J2 A2 B2 C2 D2 E2 F2 G2 H2 I2 J3 J1 J2 J3 A3 B3 C3 D3 E3 F3 G3 H3 I3

21

Adding an External Account Your accounts at other financial institutions can be linked to Online Banking with Morgantown Bank, so you can transfer money between two financial institution accounts that you own without ever leaving home! When you go to add another account, you are asked to verify your ownership of that account. There are two way to verify an external account. • Bank Approval: External Account will be presented to bank admin for approval. • Transaction Challenge: Morgantown 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.

10 11 12 13 14 15 16 17 18 19 20 21 22 23 24 25 26 27 28 29 30 1 2 3 4 5 6 7 8 9 J KLMNOPQRST U V W X Y Z A B C D E F G H I 10a 1a 2a 3a 4a 5a 6a 7a 8a 9a 10b 1b 2b 3b 4b 5b 6b 7b 8b 9b 10c 1c 2c 3c 4c 5c 6c 7c 8c 9c 10d 1d 2d 3d 4d 5d 6d 7d 8d 9d

1. Click the External Account button.

11a 12a 13a 14a 15a 16a 17a 18a 19a 20a

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Accounts: Adding a New Account