Oklahoma's Credit Union 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

© 2009-2022 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 Portions of this guide were written by Q2 Software, Inc.

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 Digital Banking with Oklahoma’s Credit Union! Whether you are at home or at the office using a mobile phone, tablet or laptop, we strive to make your Digital 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 Digital Banking process. If you have additional questions, contact us at 405.606.6528, and we’ll be happy to help.

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Table of Contents Getting Started

New User Enrollment................................................................................................ 9 Logging Off...................................................................................................................... 10 Resetting a Forgotten Password.......................................................................... 11 Home Page Home Page Overview. ......................................................................................... 13 Account Summary Overview........................................................................................ 15 Mobile Thumb Bar.................................................................................................. 16 Manual Accounts.................................................................................................. 17 Adding a Manual Account........................................................................................... 17 Editing a Manual Account. ........................................................................................... 18 Deleting a Manual Account. ........................................................................................ 19 Account Details Overview. .................................................................................. 20 Dispute Tracking . .................................................................................................. 22 Quick Transfer......................................................................................................... 25 Account Nickname............................................................................................... 26 Account Grouping................................................................................................ 27 Editing a Group Name................................................................................................... 28 Deleting a Group............................................................................................................ 28 Security Protecting Your Information. ................................................................................ 29 General Guidelines......................................................................................................... 29 Username and Password............................................................................................... 29 Fraud Prevention............................................................................................................. 29 Security Preferences.............................................................................................. 30 Change Password. ......................................................................................................... 30 Change Username......................................................................................................... 31 Secure Delivery. .............................................................................................................. 32 Login History. .......................................................................................................... 33 Mobile Security Preferences................................................................................. 34 Enabling Touch ID or Fingerprint Login......................................................................... 34 Enabling Passcode Authentication.............................................................................. 36 Disabling Passcode Authentication, Touch ID or Fingerprint Login. ......................... 37 Enabling Face ID............................................................................................................. 38 Alerts Overview...................................................................................................... 39 Account Alerts................................................................................................................. 40 Status Alerts...................................................................................................................... 41 Transaction Alerts............................................................................................................ 42

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Security Alerts Overview. ...................................................................................... 43 Editing Delivery Preferences.......................................................................................... 43 Enabling and Disabling Push Notifications. ........................................................ 44 Secure Inbox Overview......................................................................................... 45 Sending a Secure Message.................................................................................. 46 Transaction Types Move Money Overview........................................................................................ 47 Transactions Transfer Money....................................................................................................... 49 Send Money with Zelle ® Setup.............................................................................. 51 Initial Setup. ..................................................................................................................... 51 Adding a Recipient. ....................................................................................................... 52 Send Money with Zelle ®. ....................................................................................................................................................... 53 Request Money with Zelle ®............................................................................................................................................... 55 Split Payment with Zelle ®...................................................................................................................................................... 56 Zelle ® Settings.......................................................................................................... 57 Pay a Loan. ............................................................................................................ 58 Pay an OKCU Member . ....................................................................................... 60 Add Another Member’s OKCU Account..................................................................... 60 Single Transfers Between OKCU Accounts................................................................... 61 Transfer Between Banks. ....................................................................................... 62 Verify Transfer Between Banks.............................................................................. 63 Make an External Transfer. ................................................................................... 64 Mobile Deposits. .................................................................................................... 65 Activity Center Overview. .................................................................................... 66 Using Filters....................................................................................................................... 67 Creating or Deleting Custom Views Using Favorites................................................... 67 Editing Transactions. ....................................................................................................... 68 Canceling Transactions.................................................................................................. 69 Bill Pay Bill Pay Overview ................................................................................................... 70 Creating a Payee........................................................................................................... 70 Editing a Payee............................................................................................................... 72 Deleting a Payee............................................................................................................ 73 Making a Single Payment..................................................................................... 74 Paying Multiple Bills................................................................................................ 75 Payment Activity. .................................................................................................. 76 Cancel a Pending Payment. ............................................................................... 77

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Advanced Bill Pay Payments Overview. ............................................................................................. 78 Hiding or Unhiding Payees from Payment Screen...................................................... 79 Creating a Payee Overview. ............................................................................... 80 Creating a Payee: Company.............................................................................. 81 Creating a Payee: Person. ................................................................................... 83 Part 1 of 3: Choosing Payee and Payment Method. ................................................. 83 Part 2 of 3: Adding Payee Information......................................................................... 84 Part 3 of 3: Keyword (Email Only) and One-Time Activation Code.......................... 85 Editing a Payee...................................................................................................... 86 Deleting a Payee................................................................................................... 87 Scheduling Payments. .......................................................................................... 88 Rush Delivery.......................................................................................................... 89 Recurring Payments. ............................................................................................. 91 Editing Payments................................................................................................... 92 Skipping Payments. ............................................................................................... 93 Canceling Payments............................................................................................. 94 Setting Up eBills...................................................................................................... 95 Adding an Account.............................................................................................. 96 Editing an Account. .............................................................................................. 97 Deleting an Account. ........................................................................................... 98 Editing Personal Information. ............................................................................... 99 Editing Alerts......................................................................................................... 100 Categories............................................................................................................ 101 Editing a Category.............................................................................................. 102 Deleting a Category........................................................................................... 103 Digital Money Management Initial Setup........................................................................................................... 104 Syncing an Account.................................................................................................... 104 Unsyncing an Account................................................................................................ 105 Categorizing Transactions........................................................................................... 106 Splitting a Transaction. ................................................................................................ 107 Digital Banking Home Page............................................................................... 108 Spending Overview..................................................................................................... 109 Spending: Recategorizing a Transaction.................................................................. 110 Budgets Overview........................................................................................................ 112 Auto-generated Budgets............................................................................................ 113 Budgets From Scratch................................................................................................. 113 Editing or Deleting a Budget. ..................................................................................... 114 Managing Budgets...................................................................................................... 115

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Trends Overview........................................................................................................... 116 Cash Flow Overview.................................................................................................... 117 Adding a Suggested Cash Event............................................................................... 118 Creating Your Own Cash Event. ................................................................................ 119 Editing, Deleting or Skipping a Cash Event............................................................... 121 Net Worth Overview. ................................................................................................... 122 Debts Overview............................................................................................................ 123 Account Services Statements. .......................................................................................................... 124 Open an Account............................................................................................... 125 Apply for a Loan.................................................................................................. 126 Stop Payment Request. ...................................................................................... 127 Single Check . .............................................................................................................. 127 Multiple Checks ........................................................................................................... 128 Reordering Checks.............................................................................................. 129 Credit Score. ........................................................................................................ 130 Card Management Pay Credit Card................................................................................................... 131 Reward Points. ..................................................................................................... 132 Redeeming Points........................................................................................................ 132 Swap a Card........................................................................................................ 134 Getting Started. ........................................................................................................... 134 Overview....................................................................................................................... 136 Manage Credit Card.......................................................................................... 137 Manage Credit Card Overview................................................................................. 137 Adding a Payment Account...................................................................................... 138 Making a Payment...................................................................................................... 139 Setting up Automatic Payments................................................................................ 140 Buy/Sell Bitcoin What is Bitcoin?.................................................................................................... 141 Bitcoin Overview.................................................................................................. 142 Buy Bitcoin............................................................................................................ 143 Sell Bitcoin............................................................................................................. 145 Bitcoin Transaction History. ................................................................................. 147 Profile & Security Update Profile...................................................................................................... 148 Text Banking. ........................................................................................................ 149

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Apple ® Watch...................................................................................................... 151 Apple® Watch Setup. ................................................................................................. 151 Viewing Balances and Transactions.......................................................................... 151 Account Personalization..................................................................................... 152 Accessibility.......................................................................................................... 153 Themes and Languages..................................................................................... 154 Quick Balance..................................................................................................... 155 To Enable Quick Balance............................................................................................ 155 To Use Quick Balance.................................................................................................. 156 Contact Us Chat Now............................................................................................................. 157

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9

Getting Started

New User Enrollment

If you’re new to Digital Banking with OKCU, you need to complete the enrollment process. Once you complete these few quick steps, you’ll be on your way to banking everywhere you go! 1. Type okcu.org into your browser and click Digital Banking Login . Then, click the Enroll link. 2. Fill out the Enrollment Form with the required information, and click Continue . If the requested username selected is unavailable, try a different one. Note : The details you provide are verified by comparing them to your information in our system. If the information does not match, call us at 405.606.6528 to update your profile. 3. A confirmation message appears. 4. Choose the contact method that allows OKCU to reach you immediately with a Temporary Access Code (TAC). This numbered code is only valid for 15 minutes and you will need to request a new one if it expires. If you close your browser before receiving the TAC, you can log in again and select I already have a Temporary Access Code . Do not close your browser until you have received your numbered code. 5. Enter the TAC and click Submit . 6. Create your password and confirm your entry by re-entering it. 7. Review the Digital Banking Services Agreement on the Disclaimers page, and click I Accept to agree to the terms and conditions. 8. Choose whether to register your device for future logins. If you click Register Device you will limit the number of times a TAC is requested for that device. Note : For additional security, we strongly suggest you only register personal devices. Not registering requires you to use a TAC each time you log in. 9. A profile page appears. Review and correct the information and click Submit . This information is used for official OKCU communications. 10. Congratulations! You have successfully enrolled and logged into Digital Banking! If you have any questions or concerns, call us at 405.606.6528.

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 that you have not previously registered you need to request a TAC.

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1. Click Digital Banking Login . 2. Enter your username and password. 3. Check the box next to “remember me” to save your username. The next time you visit okcu.org your username will be pre-filled. 4. Click Login . J K L M N O P Q R S T U V W X Y Z A B C D E F G H I 1a 2a 3 4 5 6 7 8 9 0 1b 2b 3 4 5 6b 7b 8 9b 0 1c 2c 3c 4c 5c 6c 7c 8c 9c 10 1d 2d 3d 4d 5d 6d 7d 8d 9d J K L M N O P Q R S T U V W X Y Z A B C D E F G H I 1a 2a 3a 4a 5a 6a 7a 8a 1b 2b 3b 4b 5b 6b 7b 8b 1c 2c 3c 4c 5c 6c 7c 8c 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 0 11a 12a 13a 14a 15a 16a 17a 18a 11b 12b 13b 14b 15b 16b 17b 18b 1d 2d 3d 4d 5d 6d 7d 8d 9d 1d 2d 3d 4d 5d 6d 7d 8d 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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Note : If you enter an incorrect password more than 5 times, your account will be temporarily locked. Call us at 405.606.6528 for assistance. 1d 2d 3d 4d 5d 6d 7d 8d 9d

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Logging Off For your security, you should always log off when you finish your Digital Banking session. Your session will automatically end after 30 minutes. 1. Click Log Off in the navigation menu. 2. Close your internet browser. A2 B2 C2 D2 E2 F2 G2 H2 I2 A3 B3 C3 D3 E3 F3 G3 H3 I3

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Getting Started: New User Enrollment

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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 OKCU home page—no need to call us!

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1. Click Digital Banking Login . 2. Click Password . 3. Enter your username and click the Submit button.

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Getting Started: Resetting a Forgotten Password

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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 K L M N O P Q R S T 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 1d 2d 3d 4d 5d 6d 7d 8d 9d J K L M N O P Q R S T 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 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 A3 B3 C3 D3 E3 F3 G3 H3 I3 11a 12a 13a 14a 15a 16a 17a 18a 19a 20a A2 B2 C2 D2 E2 F2 G2 H2 I2 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 J K L M N O P Q R S T U V W X Y Z A B C D E F G H I J3 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 J3 11b 12b 13b 14b 15b 16b 17b 18b 19b 20b J1 A1 B1 C1 D1 E1 F1 G1 H1 I1 J2

4. Choose the contact method that allows OKCU to reach you immediately with a six-digit TAC. 5. Enter the TAC and click Submit . 6. Create a new password based on our password requirements and click Submit when you are finished. 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

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Getting Started: Resetting a Forgotten Password

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Home Page

Home Page Overview

After logging in, you are taken directly to the Home page. This page is divided into three convenient sections to help you navigate to every feature within Digital Banking. Here you can view the balances in both your synced and OKCU accounts, see your account summaries and more! 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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Note : The letters correspond to several available features on the Home page. 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

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Home Page: Home Page Overview

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A. The navigation bar appears in every view on the left side of the screen. You can navigate to Digital Banking features by selecting the appropriate drop-down tab. B. Your OKCU accounts and synced external accounts are displayed in an account tile with its balance. C. If you click an account name, you are taken to the Account Details page. You can also click the icon on the right side of an account tile, and select View Activity for more details. D. The icon allows you to print a summary of current available funds in your accounts. E. You can expand or collapse account details by clicking the icon. F. If you click and hold an account tile, you can drag and drop it to a new location to change the order your accounts appear. G. The Quick Actions links in the top right corner let you quickly access different Digital Banking features. H. If you have a Rewards Debit or Rewards Credit Card, your accumulated rewards points will be displayed in a widget on the right side of the screen. Click Redeem Now to redeem your points. I. If activated your current credit score will be diplayed on the right side of the screen. Click Show Full Report for more information.

Home Page: Home Page Overview

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Account Summary Overview If you ever need to quickly assess how much money is in all of your accounts, you can scroll down to Account Summary on the Home page. This interactive chart represents your total assets, represented by specific colors and percentages. The Asset Summary does not appear on mobile phones. 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 K L M N O P Q R S T 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 J1 A. The Total Assets widget gives you the total amount of money in your accounts and breaks down those funds into percentages. B. Each colored piece represents one of your OKCU or synced accounts and displays its percentage of total funds and its balance. C. Clicking Next or Previous lets you view different accounts and details. D. You can click View Transactions for more information. 10a 1a 2a 3a 4a 5a 6a 7a 8 9a 10b 1b 2b 3b 4b 5b 6b 7b 8 9 10c 1c 2c 3c 4c 5c 6c 7c 8c 9c 10d 11a 12a 13a 14a 15a 16a 17a 8a 19a 20a 1d 2d 3d 4d 5d 6d 7d 8 9 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 A1 B1 C1 D1 E1 F1 G1 H1 I1 J2 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 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 10 11 12 13 14 15 16 17 8 19 20 21 22 23 24 25 26 27 8 9 30 1 2 3 4 5 6 7 8 9 J K L M N O P Q R S T U V W X Y Z A B C D E F G H I 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 J K L M N O P Q R S T U V W X Y Z A B C D E F G H I 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 K L M N O P Q R S T U V W X Y Z A B C D E F G H I 11a 12a 13a 14a 15a 16a 17a 18a 19a 20a

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Home Page: Home Page Overview

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Home Page

Mobile Thumb Bar

When accessing Mobile Banking from your iPhone or Android device, you will have quick access to frequently used services.

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A. Quickly return to the home page. B. Transfer funds between previously linked OKCU accounts or external accounts. C. Enroll in Mobile Deposit and quickly deposit checks. D. Find OKCU Branches or ATMs near you. E. Find additional features using the menu. 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 1d 2d 3d 4d 5d 6d 7d 8d 9d J K L M N O P Q R S T U V W X Y Z A B C D E F G H I 10a 1 2a 3 4 5 6 7 8 9a 10b 1 2 3 4 5 6 7 8 9b 10c 1c 2c 3c 4c 5 6c 7c 8 9c 10d 1 a 12a 13a 14a 15a 16a 7 18a 19a 20a 1 2 3 4 5 6 7 8 9d J K L M N O P Q R S T 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 1 a 12a 13a 14a 15a 16a 17a 18a 19a 20a 1d 2d 3d 4d 5d 6d 7d 8d 9d J K L M N O P Q R S T 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 1 a 12a 13a 14a 15a 16a 17a 18a 19a 20a 1d 2d 3d 4d 5d 6d 7d 8d 9d J K L M N O P Q R S T 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 1 a 12a 13a 14a 15a 16a 17a 18a 19a 20a 1d 2d 3d 4d 5d 6d 7d 8d 9d J K L M N O P Q R S T U V W X Y Z A B C D E F G H I

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Home Page: Mobile Thumb Bar

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Home Page Manual Accounts

For accounts unable to be synced, creating a manual account provides a clearer picture of your net worth. You can add or edit assets and debts such as your home value, cash on hand, property you own or outstanding loans. Adding a Manual Account

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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 11b 12b 13b 14b 15b 16b 17b 18b 9b 20b J 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 A2 B2 C2 D2 E2 F2 G2 H2 I2 A3 B3 C3 D3 E3 F3 G3 H3 I3 1. Click Get Started . 2. Enter an account name. 3. Use the drop-down menu to select an account type. 4. Enter the required information. This information will change based upon the account type. 5. Click Save . 11a 12a 13a 14a 15a 16a 17a 18a 19a 20a 11b 12b 13b 14b 15b 16b 17b 18b 19b 20b

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Editing a Manual Account

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1. Click the icon and click Edit account . 2. Make changes to the account and click Save . 3. Click Done when you are finished.

Home Page: Manual Accounts

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Deleting a Manual Account

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1. Click the

icon and click Delete account .

2. Click Delete .

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Home Page: Manual Accounts

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Home Page Account Details Overview

Selecting an OKCU account on the Home page 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 the 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

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 K L M N O P Q R S T U V W X Y Z A B C D E F G H I 11a 12a 13a 14a 15a 16a 17a 18a 19a 20a 10 11 2 3 4 5 6 7 8 9 20 21 22 23 24 25 26 27 28 29 30 1 2 3 4 5 6 7 8 9 J K L M N O P Q R S T 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 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

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

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Home Page: Account Details Overview

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A. On the Home page, you can click on an account name to view the Account Details screen. B. The current and available balances of that account are displayed in the top right corner. C. The icon opens the search bar to find transactions with that account. D. Transactions can be sorted by time, type, amount or check number. Click the icon for more options. E. Make a quick transfer by clicking the icon. (See page 25 for additional details). F. Export your transactions into a different format by clicking the icon. G. The icon lets you print a list of transactions. H. The icon indicates how the Date, Description and Amount columns are sorted. I. You can view more details about a transaction by clicking on it. J. The icon lets you send a secure message about that transaction or print details about it.

Home Page: Account Details Overview

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Home Page Dispute Tracking

Easily dispute an unauthorized or fradulent transaction.

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1. Find the transaction you would like to dispute. 2. Click the icon and select Dispute transactions . 3. Click Dispute transactions . 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

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Home Page: Dispute Tracking

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4. Verify that each selected transaction is one you wish to dispute. 5. Click Dispute transactions . 6. Click Continue dispute .

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Home Page: Dispute Tracking

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Home Page: Dispute Tracking 10a 3a 4a 5a 6a 7a 8a 9a 10b 3b 4b 5b 6b 7b 8b 9b 10c 3c 4c 5c 6c 7c 8c 9c 10d 3d 4d 5d 6d 7d 8d 9d J M N O P Q R S T W X Y Z C D E F G H I 10 12 13 14 15 16 17 18 19 20 22 23 24 25 26 27 28 29 30 2 3 4 5 6 7 8 9 10a 2a 3a 4a 5a 6a 7a 8a 9a 10b 2b 3b 4b 5b 6b 7b 8b 9b 10c 2c 3c 4c 5c 6c 7c 8c 9c J L M N O P Q R S T V W X Y Z B C D E F G H I 10 13 14 15 16 17 18 19 20 23 24 25 26 27 28 29 30 3 4 5 6 7 8 9 13a 14a 15a 16a 17a 18a 19a 20a

7. Fill out the dispute transaction form and click Submit . 8. Click Close . 9. A red flag will display next to the disputed transaction.