Northern Credit Union Digital Banking User Guide

9-10-24

Online and Mobile Banking User Guide

PERSONAL

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Published by Murphy & Company, Inc. 13610 Barrett Office Drive Suite 206

St. Louis, MO 63021 www.mcompany.com

© 2009-2024 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. Portions of this guide were provided by Alkami

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 Mobile and Online Banking with Northern Credit Union! Whether you are at home or at the office using a mobile phone, tablet or laptop, we strive to make your Mobile and 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 Mobile and Online Banking process. If you have additional questions, contact us on our website, through our Video Banking app, or by texting or calling 315.782.0155. Visit our Digital Banking Resources page for other helpful resources to help you with personal and business Online & Mobile Banking, including more than 20 How-To Videos found on our Northern Credit Union YouTube channel.

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Table of Contents Getting Started

Downloading Northern’s Mobile Banking App..........................................................8 New User Enrollment ...................................................................................................9 Logging In.....................................................................................................................10 Logging Off ........................................................................................................................... 10 Retrieve a Forgotten Username................................................................................11 Resetting a Forgotten Password ...............................................................................12 Dashboard Dashboard Overview..................................................................................................13 Accounts Account Details Overview ..........................................................................................15 Categorizing Transactions .................................................................................................. 17 Download Transactions ..................................................................................................... 18 Account Analytics - Balance History .................................................................................. 20 Account Analytics - Spending ............................................................................................. 21 Adding an External Account (View Only)..................................................................22 Editing an External Account’s Credentials ...............................................................24 Editing an External Account.......................................................................................25 Removing an External Account .................................................................................26 Security Protecting Your Information......................................................................................27 General Guidelines .............................................................................................................. 27 Login ID and Password........................................................................................................ 27 Fraud Prevention ................................................................................................................. 27 Security Preferences...................................................................................................28 Change Username ............................................................................................................... 28 Change Password ................................................................................................................ 29 Two-Factor Authentication ................................................................................................. 30 Remembered Devices ......................................................................................................... 32 Mobile Security Preferences......................................................................................33 Enabling Digital ID................................................................................................................ 33 Face ID/Fingerprint .............................................................................................................. 34 Message Center ..........................................................................................................35 Inbox...................................................................................................................................... 35 Sent........................................................................................................................................ 37 Compose Message............................................................................................................... 38 View and Reply ..................................................................................................................... 39 eAlerts ..........................................................................................................................40

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Transactions Make a Transfer (Mobile App) ..................................................................................41 Add an Account ...........................................................................................................42 Mobile App............................................................................................................................ 42 Adding an Internal Account (Member to Member Transfers) ....................................... 43 Adding an External Account (Transfer Option) ............................................................... 45 Make a Transfer ..........................................................................................................47 One-Time Transfers............................................................................................................. 47 Recurring Transfers ............................................................................................................. 49 Loan Payments............................................................................................................51 Recurring Loan Payments..........................................................................................54 Scheduled Transfers...................................................................................................56 Editing Transfers .................................................................................................................. 57 Deleting Transfers ............................................................................................................... 58 Deleting Recurring Transfers Series .................................................................................. 59 Transfer Activity ..........................................................................................................61 More Actions ...............................................................................................................62 Deposit Check..............................................................................................................63 Enrollment ............................................................................................................................ 63 Depositing a Check .............................................................................................................. 64 Check Deposit History......................................................................................................... 65 Pay a Person ................................................................................................................66 Add a New Contact .............................................................................................................. 66 Edit Contact .......................................................................................................................... 67 Delete Contact...................................................................................................................... 68 Pay Someone........................................................................................................................ 69 Receiving a Payment from Pay a Person .......................................................................... 72 Edit Transfer ......................................................................................................................... 74 Delete Transfer .................................................................................................................... 75 Bill Pay Creating a Payee .........................................................................................................77 Adding a Preloaded Payee.................................................................................................. 78 Adding a Manual Payee....................................................................................................... 79 Editing a Payee ............................................................................................................80 Deleting a Payee .........................................................................................................81 Single Payments..........................................................................................................82 Multiple Payments ......................................................................................................84 Expedite Payment.......................................................................................................86 Setting Up eBills ..........................................................................................................88 Viewing eBills...............................................................................................................90 Editing Payments ........................................................................................................91

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Deleting Payments......................................................................................................93 Select Primary Account ..............................................................................................94 Statements & Documents Enrollment ...................................................................................................................95 Unenroll From Statements & Documents ........................................................................ 96 Statements...................................................................................................................97 Tax Forms ....................................................................................................................98 Settings Profile ...........................................................................................................................99 Contact Information ................................................................................................ 100 Accounts.................................................................................................................... 102 Nickname, Hide and Color Code an Account ................................................................ 102 Reorder Accounts ............................................................................................................. 104 Mobile Access........................................................................................................... 105 Snapshot ................................................................................................................... 106 To Enable Snapshot.......................................................................................................... 107 To Use Snapshot ............................................................................................................... 108 Services Check Options .......................................................................................................... 109 Stop Payment .................................................................................................................... 109 Stop Payment History....................................................................................................... 111 Reorder Checks ................................................................................................................. 112 Bank Check ........................................................................................................................ 113 Overdraft Privilege................................................................................................... 114 Debit Card Controls ................................................................................................. 115 Switch Cards ...................................................................................................................... 115 Recent Transactions ......................................................................................................... 116 Activate Card ..................................................................................................................... 117 Set Debit Card PIN ............................................................................................................ 118 Blocking a Card ................................................................................................................. 119 Unblocking a Card............................................................................................................. 120 Add Travel Plan ................................................................................................................. 121 Edit Travel Plans................................................................................................................ 123 Delete Travel Plans ........................................................................................................... 124 Card of File......................................................................................................................... 125 Update Card ...................................................................................................................... 126 Need Feedback.................................................................................................................. 129 Recurring Payments ......................................................................................................... 131 Debit Card Controls - Locations ...................................................................................... 132

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135 Debit Card Controls - Merchant Types........................................................................... 134 Debit Card Controls - Transaction Types ....................................................................... Debit Card Controls - Spend Limits ................................................................................ 136 Debit Card Alerts............................................................................................................... 137 Report Debit Card Lost or Stolen ................................................................................... 138 Personal Information ....................................................................................................... 139 Credit Card Controls................................................................................................ 141 24/7 Support............................................................................................................. 142 User Guide................................................................................................................ 143 Relationship Center/ATM Locator.......................................................................... 144 EZ Shield Identity Protection .................................................................................. 146 Add a Share or Loan ................................................................................................ 147 Send a Wire............................................................................................................... 148 Domestic Wire................................................................................................................... 148 Financial Wellness Financial Wellness.................................................................................................... 153 Spending ............................................................................................................................ 153 Bulk Categorize Transactions .......................................................................................... 154 Edit a Savings Goals.......................................................................................................... 157 Edit a Savings Goals.......................................................................................................... 158 Add Money to a Savings Goals ........................................................................................ 159 140 145 How-To Videos ........................................................................................................ 150 155 160 Investments & Financial Services........................................................................... Checking Rewards.................................................................................................... 161 Credit Score Monitoring (My Credit Score) ........................................................... 162 Hide/Show Cards .............................................................................................................. International Wire............................................................................................................. Savings Goals.....................................................................................................................

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Getting Started Downloading Northern’s Mobile Banking App

1. On your personal device, locate the app store and search for “Northern Credit Union” 2. Locate the “Northern/Countryside CU Mobile Banking App . 3. Download the Mobile Banking app to your device. Once downloaded you can open the mobile app to begin registration or to login! Note : On your personal device you can enable apps to automatically update when a new version becomes available. If your Mobile Banking app does not automatically update when a new app version becomes available, simply search “Northern Credit Union” from your device app store to search for “updates” to the mobile app. If you experience any issues with your Mobile Banking app, ensure your phone software version is up to date and try uninstalling the Mobile Banking app and reinstalling it directly from the app store.

Getting Started: Downloading Northern’s Mobile Banking App

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Getting Started New User Enrollment

If you’re new to Mobile and Online Banking with Northern 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! The step-by-step instructions and screenshots in this section are taken from a desktop computer. The process is nearly identical from your mobile device. 1. Go to mynorthern.com. 2. Click the “New User?” link. 3. Click the Register as an individual button. 4. Review and accept Mobile and Online Banking Agreement and click the Continue button. 5. Confirm your identity with the required information, and click the Continue button. 6. A Verification Code will be sent to the contact information we have on file for

email or phone number. Enter the verification code. 7. Create a new username and click the Next button. 8. Create a new password and click the Next button. 9. Once complete, your list of accounts will appear.

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 verification code. Go to page 33 for more information about logging in using a Passcode, Face ID, or Fingerprint login.

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1. Enter your username and password. 2. Click the Log In button.

Logging Off For your security, you should always log off when you finish your Mobile and Online Banking session. We may also log you off due to inactivity. 1. Click your name in the upper right corner of the screen. 2. Click the Log Out tab. 3. Close your web browser.

Getting Started: Logging In

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Getting Started Retrieve a Forgotten Username

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

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1. Click the “Forgot Username” link. 2. Click the Find my individual username button. 3. Enter your account/member number, social security number/ Tax ID and birth date. 4. Click the Continue button. 5. Your username will then appear.

Getting Started: Retrieve a Forgotten Username

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Getting Started Resetting a Forgotten Password

If you happen to forget your password or lock yourself out due to invalid password attempts, you can easily reestablish a new one from the Northern Credit Union Home page—no need to call us!

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1. Click the “Forgot Password” link. 2. Accept the disclosure and click the Continue button. 3. Enter your username, social security number/ Tax ID and birthdate. 4. Click the Continue button. 5. You will receive a verification code. Enter the verification code and update your password. Note : Passwords must be 8-20 characters in length and must contain 1 uppercase letter, one lowercase letter, 1 number, and one special character. Your password cannot contain part of your name or username.

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 Mobile and Online Banking. You can view the balances in your accounts, see your account summaries and more! The step-by-step instructions and screenshots in this section are taken from a desktop computer. The process is nearly identical from your mobile device but some small features, like downloading transactions to Excel or Quicken, are only available from a desktop.

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A. On a desktop computer, the navigation bar appears in every view at the top of the screen. You can navigate to Mobile and Online Banking features by selecting the appropriate tab. B. On the Mobile Banking App, the navigation menu can be located by clicking on “More…” in the bottom left-hand corner of the app menu. C. Your accounts are displayed in an account card with its available and current balances. If you click an account card, you are taken to the Account Details page.

Dashboard: Dashboard Overview

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D. The icon allows you to choose the accounts you’d like to appear on your dashboard. These settings only affect the accounts displayed on the dashboard. They do not affect the way accounts are displayed in other parts of the system. The Dashboard has to be refreshed in order for changes to display. E. Click the Get Started button to link an external account. Go to page 22 for more information. F. Activity modules provide a quick glance of recent and future activities. G. Click the Move Money button to make a payment. Go to page 51 for more information about loan payments. Go to page 141 for more information about credit cards.

Dashboard: Resetting a Forgotten Password

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Accounts Account Details Overview

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

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Accounts: Account Details Overview

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Click the Dashboard tab and select an account. A. View a list of all of your accounts. B. View the current and available balance of your account. C. Click the icon to edit an account’s name. D. Search, filter or sort your transactions.

E. View a list of recent transactions. Pending transactions are separated and displayed above posted transactions. Pending transactions are reflected in an account’s available balance but not the current balance. Click a transaction to view more details. F. Click the icon to print the transactions for the selected account(s). G. Click the icon to download the transactions for the selected account(s). You can export a comma-separated value file (CSV) or a file formatted for Quicken/Quickbooks. For more information about downloading files, go to page 18. H. Categorize transactions by selecting a category using the drop-down. Go to page 17 for more information. I. Click the Account Details tab to view additional details about the account including the account number, MICR number for ordering checks and interest rate and payment information for loans. J. Click the Analytics tab to display graphs of the selected account’s balance history and spending history over the specified date range. Go to page 20 for more information. K. Click the icon to view your full account number.

Accounts: Account Details Overview

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Categorizing Transactions Selecting a transaction description or category displays Transaction Details. The Transaction Details screen allows you to categorize transactions.

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Click the Dashboard tab and select an account. 1. Click a transaction. 2. Use the drop-down to assign a category.

Note : Categorizing your transactions will allow you to see how your money is being spent month over month, under the Financial Wellness tab. For more information about Financial Wellness go to page 153.

Accounts: Account Details Overview

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Download Transactions Easily download transaction lists.

• Downloading to Quicken: This method allows you to update all of your accounts with one click. This service supports the latest version as well as the two previous versions of Quicken. This includes downloading financial data from financial institutions, and technical support. • Downloading to Your Desktop: You can download account information to your desktop as a comma-delimited file or comma-separated value (CSV) file and import it into Microsoft Excel and most other spreadsheet programs on Windows or Mac.

1 Click the Dashboard tab and select an account. 1. Click the icon to export the transactions.

Accounts: Account Details Overview

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2. Use the drop-down to select a download format. 3. Select a start and end date. 4. Check the boxes to select accounts. 5. Click the Download button.

Accounts: Account Details Overview

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Account Analytics - Balance History Balance History Analytics displays a graph of the selected account’s balance over the specified date range.

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Click the Dashboard tab and select an account. 1. Click the Analytics tab. 2. Click the Balance History button. 3. Select the date range that you want displayed.

Accounts: Account Details Overview

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Account Analytics - Spending Spending Analytics displays a breakdown of categorized expenses over the specified date range.

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Click the Dashboard tab and select an account. 1. Click the Analytics tab. 2. Click the Spending button. 3. Select the date range that you want displayed. 4. Click the

icon to display additional information for each category.

Accounts: Account Details Overview

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Accounts Adding an External Account (View Only)

Your accounts at other financial institutions can be linked to Mobile and Online Banking with Northern Credit Union, so you can manage your accounts from one login. You can link investments, bank accounts, credit cards and bills. By providing your login credentials, we verify in real time that you own the account you want to link. When you enter your login username and passwords, we use this information to establish a secure connection with your financial institution. This connection allows us to quickly link to your account. Note : This is a view only of your external account to see balances and transactions. To add an external account to make a transfer to and from refer to “Adding an External Account (Transfer Option)” on page 45.

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Click the Dashboard tab . 1. Click the Get Started button. 2. Click the I agree button.

Accounts: Adding an External Account (View Only)

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3. Search for an institution or select from popular institutions. 4. Enter your credentials with the other financial institution and click the Submit button. 5. The system will now bring in your accounts. The spinning wheel indicates the verification is in process. 6. Wait until the green check appears in the upper right-hand corner and choose close or to link another account.

Accounts: Adding an External Account (View Only)

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Accounts Editing an External Account’s Credentials

If necessary you can update your login info for your external accounts.

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1. In your name drop-down, click Settings . 2. Click the Accounts tab. 3. Click the

icon to edit an external account’s credentials.

4. Make the necessary changes.

Accounts: Editing an External Account’s Credentials

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Accounts Editing an External Account

Edit an account’s nickname, color or hide an account.

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1. In your name drop-down, click Settings . 2. Click the Accounts tab. 3. Click the icon to edit an external account. 4. Make the necessary changes and click the Save button.

Accounts: Editing an External Account

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Accounts 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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1. In your name drop-down, click Settings . 2. Click the Accounts tab. 3. Click the

icon to delete an external account.

4. Click the Delete button.

Accounts: Removing an External Account

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Security Protecting Your Information

Here at Northern Credit Union, we work hard to protect your personal information and provide you with a dependable mobile and online banking experience. However, we rely on you to take further precautions to assure the safety of your accounts. By following our tips, Mobile and 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 Mobile and Online Banking. • Monitor your recent account history for unauthorized transactions. • Always log off Mobile and 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. • 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. • 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 315-782-0155. • For more information visit our Fraud Prevention Center.

Security: Protecting Your Information

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Security Security Preferences

We take security very seriously at Northern 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 Mobile and Online Banking experience.

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1. In your name drop-down, click Settings . 2. Click the Security tab.

Change Username You can change your username at any time. Create a unique username you will remember and follows our required guidelines.

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icon next to your username.

2. Enter your new username. 3. Click the Save Changes button when you are finished making changes.

Security: Security Preferences

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

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icon next to your password.

2. Enter your current password. 3. Enter and confirm a new password.

4. Click the Save Changes button when you are finished making changes. 5. Choose the contact method that allows Northern Credit Union to reach you immediately with a verification code and click the Send Code button. 6. Enter the verification code and click the Verify button.

Security: Security Preferences

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Two-Factor Authentication When enabled, mandatory two-factor authentication will require the user to always validate their identity through one of the two factor authentication methods setup below, regardless or any other security settings such as “Remember this Device.” Two- factor authentication can only be set up when logging into the website version from an internet browser on your phone or computer. However, 2-factor verification will be prompted at login regardless if you log into the mobile banking app or from the website.

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1. To turn on two-factor authentication for each login toggle, the switch to “ON.” For email, SMS or voice call: 2. Click the icon next to a delivery method to edit it. 3. (Optional)Click the “Edit in contact settings” link to edit the email address or phone number. 4. (Optional) Check the box to set as the preferred authentication method. 5. Click the Done button when you are finished. Security: Security Preferences

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For 2FA App: 6. Click the Enroll button. 7. Toggle, the switch to “ON.” 8. Scan the QR code using your preferred authentication app or enter the code manually. 9. Click the Next button. 10. Check the box to set as the preferred authentication method. 11. Click the Done button when you are finished.

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Remembered Devices In the Remembered Devices section, you can view which devices have been authenticated. You can delete any remembered device listing, which will cause Mobile and Online Banking to use stepped-up authentication the next time that device is used.

Security: Security Preferences

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Security Mobile Security Preferences

Within Northern Credit Union’s Mobile Banking App on your mobile device, you have the ability to set up security preferences that are not available on a desktop computer. These additional preferences make signing into your phone or tablet quick and easy, but also add an extra layer of security to your private information while you are on the go! Note : The Mobile Banking app allows you to conveniently login with biometric security settings enabled per your specific device, including passcode for iPhone users, fingerprint ID and FaceID for supporting devices. You must first set up settings within your personal device settings. For security purposes, if you do not have a level of security enabled on your device you must login with your username and password each time. Enabling Digital ID Digital ID helps you keep your account secure and save time. Enable it to allow Northern Credit Union to verify your identity at the push of a button.

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Log in to our Northern Credit Union Mobile Banking App on your mobile device. In the menu tap the Settings , then tap Digital ID . 1. Toggle the Use Digital ID switch from “Off” to “On.”

Security: Mobile Security Preferences

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Face ID/Fingerprint 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. Fingerprint Login uses fingerprint recognition technology, allowing you to perform tasks on your Apple® or AndroidTM device with just your fingerprint.

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Log in to our Northern Credit Union Mobile Banking App on your mobile device. In the menu tap the Settings , then tap Face ID or Fingerprint .

1. Toggle the Face Id or Fingerprint switch from “Off” to “On.” 2. You will then be able to login using your PIN/Passcode.

Note : You must have Face Id or Fingerprint login enabled on your mobile device before enabling it through our mobile banking app.

Note : For Apple Users: If you have a passcode on your phone but do not have FaceID/Fingerprint enabled you have the option to login with your passcode or enable biometrics on the mobile app.

Security: Mobile Security Preferences

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Security Message Center

If you have questions about your accounts or need to speak with someone at Northern Credit Union, Messages allow you to communicate directly with a Northern Credit Union member service representative. From the Messages page, you can find replies, old messages or create new conversations. Inbox The inbox displays messages you receive from us.

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1. In your name drop-down, click Messages . 2. Threads with unread messages appear in a darker font color. 3. Click the “Edit” link at the top of the inbox to edit the status or delete messages.

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4. Click the “Select All” link to select all the message threads in the inbox. Check the box next to a message thread to select that specific message thread. 5. Click the icon to delete a message, click the icon to mark a message as unread or click the icon to mark a message as read.

Security: Message Center

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Sent Sent displays message threads with messages that you sent to us.

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1. In your name drop-down, click Messages. 2. Click the Sent tab. 3. Click the “Edit” link at the top of the inbox to delete messages.

a. Click the “Select All” link to select all the message threads in the inbox. Check the box next to a message thread to select that specific message thread. b. Click the icon to delete a message.

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Compose Message Fields marked with an asterisk are required and must be populated before you send the message.

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1. In your name drop-down, click Messages . 2. Click the Compose button. 3. Use the drop-down to select a message subject. Relevant subjects help us respond to your inquiry as quickly as possible. 4. Use the drop-down to select an account. If your inquiry references a specific account, please select the account from the list. 5. Type your message in into the message field. These messages are secure so it’s okay to enter account or transaction information. 6. Click the “Attach Files” link to choose a file from your local device. The system only accepts files (you may attach three files) that are less than 5mb in size. 7. Click the Send Message button when you are finished.

Security: Message Center

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View and Reply Select a message to view or reply to that message.

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1. In your name drop-down, click Messages . 2. Click a message to view it.

3. Add a new message to the thread and attach new attachments to the thread. 4. Click the Send button to save any new attachments and send your reply.

Note : On the Mobile Banking App after clicking a message, you can swipe left to see previous messages of the conversation.

Security: Message Center

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Security eAlerts

eAlerts monitor your mobile and online banking activity through event-triggered notifications. You can set up notifications pertaining to your account balances, payments clearing your accounts, loan payments and more.

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In the Account Services tab, click eAlerts . 1. Select an alert type. 2. Use the toggle to turn alerts on and off. 3. Select your preferred delivery method(s).

Note : General Alerts are default security alerts and other notifications triggered by important events, such as changes to your personal information. General alerts cannot be turned off.

Note : To enable additional delivery methods for alerts go to page 100 for more information.

Security: eAlerts

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Transactions Make a Transfer (Mobile App)

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9 In the Transfer & Pay tab, click Make a Transfer or Loan Payment . 1. Tap the Make a transfer button. 2. Select an account to send funds from. 3. Select an account to send funds to. 4. Select an amount. 5. Use the drop-down to select a frequency. 6. Enter a date to send the payment. 7. For recurring payments, use the drop-down to select when the transfer should end. 8. Enter a memo.

9. Tap the Review transfer button. 10. Tap the Submit transfer button.

Transactions: Make a Transfer (Mobile App)

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Transactions Add an Account

Quickly add an internal or external account. Mobile App

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In the Transfer & Pay tab, click Add Internal & External Transfer Accounts . 1. Tap the Add Account button. 2. To add an internal account, tap the Send money to another Northern Credit Union member button. Go to page 43 for more information. 3. To add an external account, tap the Add an account manually button. Go to page 45 for more information.

Transactions: Add an Account

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Adding an Internal Account (Member to Member Transfers) Easily transfer money to another Northern Credit Union member using their first name, last name, and account number, phone number or email address.

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In the Transfer & Pay tab, click Make a Transfer or Loan Payment . 1. Click the More Actions tab. 2. Click the Add Account button. 3. Select “Internal account.” 4. (Optional) Enter the recipient’s first and last name. 5. Choose a verification method. 6. Click the Save button.

Transactions: Add an Account

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7. Choose the contact method that allows Northern Credit Union to reach you immediately with a verification code and click the Send Code button. 8. Enter the verification code and click the Verify button.

Transactions: Add an Account

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Adding an External Account (Transfer Option) Easily transfer money to another an external account.

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In the Transfer & Pay tab, click Make a Transfer or Loan Payment . 1. Click the More Actions tab. 2. Click the Add Account button.

3. Select “External account.” 4. Select an account type. 5. Enter your account details. 6. Click the Continue button.

Transactions: Add an Account

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Note : Once the account is added, we will send two deposit transactions that you will need to verify to complete the setup. It can take up to 3 business days for these test deposits to show.

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7. You will have an actionable alert notice on your dashboard screen to confirm the external accounts. Or you can go through Settings >Accounts to confirm the deposit amounts for the external account. 8. Once you click the Confirm button you will come to your accounts tab within

the settings to select confirm next to the external account. 9. Enter the amounts of both deposits to confirm the account.

Note : To edit or remove the external account go through Settings >Accounts and click the icon to edit and the

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Transactions: Add an Account

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Transactions Make a Transfer

Use Classic Transfers to perform both one-time and recurring transfers, as well as loan payments. Go to page 43 for more information about adding an additional internal account.

Note : If you have a Health Savings Account, you are no longer able to transfer to and from this account type due to potential over contributions and certain documentation that may be required for transactions and auditing purposes.

One-Time Transfers

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In the Transfer & Pay tab, click Make a Transfer or Loan Payment . 1. Select an account to send funds from. 2. Select an account to send funds to. 3. Enter an amount. 4. Select a date. 5. (Optional) Enter a memo.

6. Click the Review Transfer button.

Transactions: Make a Transfer

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7. Review the transfer and click the Submit Transfer button. 8. Click the Done button.

Transactions: Make a Transfer

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Recurring Transfers Recurring transfers repeat according to a specified schedule.

Note : Note: Recurring internal transfers and loan payments will attempt to process at 12pm, 7pm, and 9pm EST. If the funds are not in the account to process the transfer it will fail to process.

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In the Transfer & Pay tab, click Make a Transfer or Loan Payment . 1. Select an account to send funds from. 2. Select an account to send funds to. 3. Enter an amount. 4. Use the drop-down to select a frequency. 5. Select a date. 6. Select when the payments should end. 7. (Optional) Enter a memo. 8. Click the Review Transfer button.

Transactions: Make a Transfer

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9. Review the transfer and click the Submit Transfer button. 10. Click the Done button.

Transactions: Make a Transfer

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Transactions Loan Payments

Easily make payments to your revolving loans using the revolving loan payment feature.

Note : If you are exercising your grace period for the month, your regular payment amount may show your current payment due plus your next payment due. Refer to the “Past Due Amount” when making your payment for what is due to satisfy your monthly payment.

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In the Transfer & Pay tab, click Make a Transfer or Loan Payment . 1. Select an account to send funds from. 2. Select a revolving loan to send funds to.

Transactions: Loan Payments

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3. Select an amount.

• Select “Regular Payment” to pay the standard amount. The regular payment amount and next due date will also display when this option is selected. • Select “Minimum Monthly Due” to pay the minimum payment accepted for your revolving loan. • Select the “Past Due Amount” to pay an amount past due on the loan. • Select “Pay Off” to pay the entire balance of the loan. This amount will include all interest and fees due, if applicable. You will see the payoff option available for consumer/personal loans and vehicle loans. You will not see payoff options for Home Equities, Mortgages, nor any line of credit due to additional fees associated with closing costs and country discharges. • Select “Principal Only” to make a payment towards the principal only.

Transactions: Loan Payments

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4. Select a date. 5. (Optional) Enter a memo. 6. Click the Review Transfer button. 7. Review the transfer and click the Submit Transfer button. 8. Click the Done button. 9. Review the transfer and click the Submit Transfer button. 10. Click the Done button.

Transactions: Loan Payments

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