Oklahoma's Credit Union Digital Banking User Guide

11-27-23

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 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 Add a Personal External Transfer Account ........................................................ 62 Manage External Transfer Accounts................................................................... 65 Nickname External Transfer Accounts ......................................................................... 65 Remove External Transfer Accounts............................................................................. 66 Make an External Transfer.................................................................................... 67 Mobile Deposits..................................................................................................... 68 Activity Center Overview..................................................................................... 69 Using Filters....................................................................................................................... 70 Creating or Deleting Custom Views Using Favorites .................................................. 70 Editing Transactions........................................................................................................ 71 Canceling Transactions ................................................................................................. 72 Bill Pay Bill Pay Overview .................................................................................................. 73 Creating a Payee........................................................................................................... 73 Editing a Payee .............................................................................................................. 75 Deleting a Payee............................................................................................................ 76 Making a Single Payment .................................................................................... 77 Paying Multiple Bills ............................................................................................... 78 Payment Activity ................................................................................................... 79 Cancel a Pending Payment................................................................................ 80

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Advanced Bill Pay Payments Overview.............................................................................................. 81 Hiding or Unhiding Payees from Payment Screen...................................................... 82 Creating a Payee Overview................................................................................ 83 Creating a Payee: Company.............................................................................. 84 Creating a Payee: Person.................................................................................... 86 Part 1 of 3: Choosing Payee and Payment Method.................................................. 86 Part 2 of 3: Adding Payee Information ........................................................................ 87 Part 3 of 3: Keyword (Email Only) and One-Time Activation Code ......................... 88 Editing a Payee ..................................................................................................... 89 Deleting a Payee .................................................................................................. 90 Scheduling Payments........................................................................................... 91 Rush Delivery.......................................................................................................... 92 Recurring Payments.............................................................................................. 94 Editing Payments................................................................................................... 95 Skipping Payments................................................................................................ 96 Canceling Payments ............................................................................................ 97 Setting Up eBills...................................................................................................... 98 Adding an Account.............................................................................................. 99 Editing an Account............................................................................................. 100 Deleting an Account.......................................................................................... 101 Editing Personal Information .............................................................................. 102 Editing Alerts ........................................................................................................ 103 Categories ........................................................................................................... 104 Editing a Category.............................................................................................. 105 Deleting a Category........................................................................................... 106 Digital Money Management Initial Setup........................................................................................................... 107 Syncing an Account ................................................................................................... 107 Unsyncing an Account ............................................................................................... 108 Categorizing Transactions .......................................................................................... 109 Splitting a Transaction................................................................................................. 110 Digital Banking Home Page............................................................................... 111 Spending Overview..................................................................................................... 112 Spending: Recategorizing a Transaction ................................................................. 113 Budgets Overview ....................................................................................................... 115 Auto-generated Budgets ........................................................................................... 116 Budgets From Scratch................................................................................................. 116 Editing or Deleting a Budget...................................................................................... 117 Managing Budgets...................................................................................................... 118 Trends Overview .......................................................................................................... 119

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Cash Flow Overview ................................................................................................... 120 Adding a Suggested Cash Event .............................................................................. 121 Creating Your Own Cash Event................................................................................. 122 Editing, Deleting or Skipping a Cash Event .............................................................. 124 Net Worth Overview.................................................................................................... 125 Debts Overview ........................................................................................................... 126 Account Services Statements........................................................................................................... 127 Open an Account .............................................................................................. 128 Apply for a Loan.................................................................................................. 129 Stop Payment Request....................................................................................... 130 Single Check ............................................................................................................... 130 Multiple Checks .......................................................................................................... 131 Reordering Checks ............................................................................................. 132 Credit Score......................................................................................................... 133 Card Management Pay Credit Card .................................................................................................. 134 Reward Points...................................................................................................... 135 Redeeming Points ....................................................................................................... 135 Swap a Card ....................................................................................................... 137 Getting Started............................................................................................................ 137 Overview ...................................................................................................................... 139 Card Services....................................................................................................... 140 Disabling or Enabling a Card ..................................................................................... 140 Request a New Card .................................................................................................. 141 Travel Notifications ...................................................................................................... 143 Card Details ................................................................................................................. 145 Report Card Lost or Stolen.......................................................................................... 146 Card Controls............................................................................................................... 148 Card Alerts ................................................................................................................... 150 Profile & Security Update Profile...................................................................................................... 152 Text Banking......................................................................................................... 153 Apple ® Watch...................................................................................................... 155 Apple® Watch Setup.................................................................................................. 155 Viewing Balances and Transactions ......................................................................... 155 Account Personalization .................................................................................... 156 Accessibility.......................................................................................................... 157 Themes and Languages..................................................................................... 158

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Quick Balance..................................................................................................... 159 To Enable Quick Balance ........................................................................................... 159 To Use Quick Balance ................................................................................................. 160 Contact Us Chat Now............................................................................................................. 161

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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 .

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.

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.

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.

Note : You cannot change your password if your account is locked.

Getting Started: Resetting a Forgotten Password

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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.

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!

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Note : The letters correspond to several available features on the Home page.

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.

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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.

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.

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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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 .

Home Page: Manual Accounts

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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 .

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.

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Home Page: Account Details Overview

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are sorted. 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 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 .

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 .

Home Page: Dispute Tracking

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

Home Page: Dispute Tracking

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Home Page Quick Transfer

No need to run to a branch to move money from one account to another. If you’re ever in a rush, the Quick Transfer option is a simple and fast way to transfer funds.

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1. Click the

icon on the right side of an account tile and select Quick

Transfer . 2. Select the “From” and “To” accounts using the drop-downs. 3. Enter an amount to transfer. 4. (Optional) Click Advanced Options to be redirected to the Transfer Funds feature. 5. Click Transfer Funds when you are finished.

Home Page: Quick Transfer

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Home Page Account Nickname

Change an account’s nickname directly from the Home page.

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1. Click the

icon on the right side of an account tile and select Nickname

Account . 2. Enter a new account nickname. 3. Click Save when you are finished.

Home Page: Account Nickname

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Home Page Account Grouping

You can organize your internal and synced accounts into groups, so the Home page appears in a way that makes sense to you. These groups can always be changed or deleted to meet your needs.

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1. Create a new group by clicking and holding an account tile, then dragging and dropping it to the pop-up icon. 2. Create a group nickname and click the checkmark when you are finished.

Home Page: Account Grouping

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Editing a Group Name The names of existing groups can be edited in just two steps.

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1. Click the icon to edit your group nickname. 2. Enter a new name and click the checkmark when you are finished.

Deleting a Group After a group is made, you can reorganize the Home page by deleting a group without removing those accounts from the Home page.

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1. Remove all accounts from a group by clicking and holding an account tile, then dragging and dropping it into another group. 2. Click Yes, delete to delete the group.

Home Page: Account Grouping

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Security Protecting Your Information

Here at OKCU, we do everything we can to protect your personal information and provide you with a dependable digital experience. However, we rely on you to take further precautions to assure the safety of your accounts. By following our tips, Digital Banking can be a secure and efficient method for all 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 username and password. • Never leave your computer unattended while using Digital Banking. • Monitor your recent account history for unauthorized transactions. • Always log off Digital Banking when you’re finished and close the browser. Username and Password • Create strong passwords by using a mixture of uppercase and lowercase letters, numbers and special characters. • Do not create passwords containing your initials or birthday. • Change your passwords periodically. • Memorize your passwords instead of writing them down. • Only register personal devices, and avoid using features that save your usernames 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 405.606.6528.

Security: Protecting Your Information

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Security Security Preferences

We take security very seriously at OKCU. We have added various tools to help you better protect your account information. You can add and manage these features in Security Preferences to strengthen your Digital Banking experience.

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Change Password You can change your Digital Banking password whenever you want. We recommend changing your password regularly and following our guidelines to create a strong password.

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In the Profile & Security tab, click Security Preferences . 1. Click Change Password . 2. Enter your current password. 3. Create a new password. 4. Reenter your new password. 5. Click Change Password when you are finished making changes.

Security: Security Preferences

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

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In the Profile & Security tab, click Security Preferences . 1. Click Change Username . 2. Enter your new username. 3. Click Save new Username when you are finished making changes.

Security: Security Preferences

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Secure Delivery We can verify your identity by sending a TAC to you by text message or voice call. Within Security Preferences, you can make changes to your delivery preferences or add new ways we can contact you.

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In the Profile & Security tab, click Security Preferences . 1. Click Secure Delivery . 2. Make changes to a secure delivery method by clicking the

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make changes, or the

icon to delete a secure delivery method.

3. Enter your new contact information and click the

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finished to save your changes. 4. Add a new delivery contact by clicking Add Text Number or Add Voice Number at the bottom of the page. Security: Security Preferences

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Security Login History

Security is more important than ever. Login History adds an additional layer of security by monitoring user behavior and device details to identify suspicious login sessions. Should a security concern arise, Login History will require further authentication around high-risk non-transactional activities. Login History also allows you to view previous login sessions and monitor for possible fraud attempts. You will be prompted to enter a TAC when conducting any high risk activity. For example: • Creating an external transfer • Adding, editing or deleting TAC information • Requesting an address change • Conducting other activities outside your normal usage patterns

In the Profile & Security tab, click Login History . 1. Review the list for fraudulent transactions or modified contact information. 2. If you see any fraudulent transactions or modified contact information, change your password immediately and contact OKCU at 405.606.6528.

Note : For more information about changing your password go to page 30.

Security: Login History

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Security Mobile Security Preferences

Within OKCU’s Digital Banking app, you have the ability to set up security preferences that are not available on a desktop computer. These additional preferences make signing into your Digital Banking quick and easy, but also add an extra layer of security to your private information while you are on the go. Enabling Touch ID or Fingerprint Login Touch ID and Fingerprint Login use fingerprint recognition technology, allowing you to perform tasks on your Apple ® or Android TM device with just your fingerprint. With this feature enabled, you can quickly and securely access your accounts using our mobile app. Apple ®

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Sign in to OKCU’s Digital Banking app and tap the Menu button. In the Profile & Security tab, tap Security Preferences . 1. Toggle the Touch ID or Fingerprint Login switch from “Off” to “On.” 2. Review the information about using fingerprint authentication and tap Continue . 3. Enter your username and password then tap Authorize .

Note : You must have Touch ID or Fingerprint Login enabled on your mobile device before enabling it through our Digital Banking app.

Security: Mobile Security Preferences

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Touch ID for “OKCU”

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4. Scan your fingerprint. a. Apple® Device : Place your finger on the Home button to enable Touch ID. b. Android TM Device : Place your finger on the fingerprint scanner to enable Fingerprint Login. Location of scanner varies from device to device.

Security: Mobile Security Preferences

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Enabling Passcode Authentication Create a unique passcode within our Digital Banking app to quickly and easily sign in and access your funds while on the go.

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Sign in to OKCU’s Digital Banking app and tap the Menu button. In the Profile & Security tab, tap Security Preferences . 1. Toggle the Passcode switch from “Off” to “On.” 2. Review the information about using a passcode and tap Create Passcode . 3. Create your four-digit passcode using the keypad. 4. Confirm your passcode using the keypad. 5. Enter your username and password then tap Authorize .

Note : We recommend not using your 4-digit debit card PIN as a passcode.

Security: Mobile Security Preferences

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Disabling Passcode Authentication, Touch ID or Fingerprint Login You can disable Passcode Authentication, Touch ID or Fingerprint Login if you no longer prefer to utilize them. When all features are disabled, you can sign in to our Digital Banking app using your username and password.

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Sign in to OKCU’s Digital Banking app and tap the Menu button. In the Profile & Security tab, tap Security Preferences . 1. Toggle the Passcode , Touch ID or Fingerprint Login switch from “On” to “Off.” 2. Tap Yes to disable the feature.

Security: Mobile Security Preferences

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

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On the Digital Banking login screen, tap Face ID . 1. Review the information about using Face ID and tap Enroll Now . 2. Enter your username and password then tap Authorize . 3. Face ID is now set up. You can now tap Face ID to log in.

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

Security: Mobile Security Preferences

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Security Alerts Overview

Having peace of mind is critical when it comes to your Digital Banking experience. When you create an alert through Digital Banking, you specify the conditions to trigger an alert, so you stay on top of what’s important to you.

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In the Profile & Security tab, click Manage Alerts . A. The "New Alert" drop-down lets you create an account, status or transaction alert. B. The icon allows you to collapse or expand alert details for each category. C. Toggling the switch turns an alert on or off without deleting it. D. The Edit link lets you make changes to existing alerts.

Note : Alerts are automatically sent through secure messages and email but you can also choose to receive them by text message, voice call or push notification. If a phone number is added, you can disable email alerts.

Security: Alerts Overview

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Account Alerts There should be no surprises when it comes to your finances. Account Alerts can notify you when the balances in your accounts go below or above a set amount.

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In the Profile & Security tab, click Manage Alerts . 1. Use the “New Alert” drop-down and select Account Alert . 2. Use the drop-down to select an account. 3. Use the drop-down to select a balance type. 4. Select a comparison. 5. Enter an amount. 6. Select a delivery method and enter the corresponding information. 7. Click Create Alert when you are finished.

Security: Alerts Overview

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Status Alerts If you’re ever concerned about the status of a transfer or pending checks, you can create Status Alerts to contact you when a check number posts or transactions meet a chosen amount.

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In the Profile & Security tab, click Manage Alerts . 1. Click the “New Alert” drop-down and select Status Alert . 2. Use the drop-down to select a transaction type. 3. Use the drop-down to select an account. 4. Use the drop-down to select a status. 5. Select a delivery method and enter the corresponding information. 6. Click Create Alert when you are finished.

Security: Alerts Overview

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

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In the Profile & Security tab, click Manage Alerts . 1. Click the “New Alert” drop-down and select Transaction Alert. 2. Select a transaction type. 3. Select a comparison. 4. Enter an amount. 5. Use the drop-down to select an account. 6. Select a delivery method and enter the corresponding information. 7. Click Create Alert when you are finished.

Security: Alerts Overview

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Security Security Alerts Overview

We want you to feel confident while using Digital Banking. To help you feel safe and in control, Security Alerts are implemented in your accounts to notify you when security scenarios occur.

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In the Profile & Security tab, click Manage Alerts , then Security Alerts . A. Toggling the switch turns an alert on or off without deleting it. Editing Delivery Preferences When a trigger occurs, Security Alerts are always sent to you through secure messages. You can add additional delivery methods to notify you about your accounts wherever you are. In the Profile & Security tab, click Manage Alerts , then Security Alerts . 1. Click Edit Delivery Preferences at the top. These changes will apply to all Security Alerts. 2. Enter the information for your preferred delivery method. 3. Click Save when you are finished making changes. Security: Security Alerts Overview

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

Note : Push notifications are available for security alerts.

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A. When you first sign into OKCU’s Digital Banking app you have the option to enable push notifications for alerts by tapping Allow . B. Tap the respective Alert Settings tab to edit alerts and their delivery preferences. (See Alerts Overview section starting on page 39 for more information.)

Security: Enabling and Disabling Push Notifications

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Security Secure Inbox Overview

If you have questions about your accounts or need to speak with someone at OKCU, Secure Inbox allows you to communicate directly with an OKCU team member. From the Secure Inbox page, you can find replies, old messages or create new conversations.

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D3 Click the Secure Inbox tab . A. Click on a message to open it. Messages are displayed on the left side of the screen. B. Messages automatically delete after 180 days. Check the box next to “This message should never expire” to prevent that message from being erased. C. Delete an opened message by clicking the icon or reply by clicking the icon. D. You can delete multiple messages at once. 1. Click Delete multiple . 2. Check the box next to the corresponding messages or check the box next to “Select All.” 3. Click Delete and then Delete to permanently delete the selected messages.

Security: Secure Inbox Overview

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Security Sending a Secure Message

Starting a new conversation through Digital Banking is just as effortless as sending an email. Unlike an email, you can safely include confidential information related to your accounts.

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Click the Secure Inbox tab . 1. Create a new message by clicking the 2. Select the recipient from the drop-down. 3. Enter the subject. 4. Enter your message. 5. Click Send message when you are finished.

icon in the top right corner.

Security: Sending a Secure Message

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Transaction Types Move Money Overview

Digital Banking gives you the ability to transfer funds on the go. Whether you are transferring money between your accounts or sending money to someone outside of OKCU, there are various features to help you transfer funds in different ways. • Transfer Money : Move money between your personal OKCU accounts.

• Send Money: Electronically move money to a OKCU member or non-member.

• Pay a Loan : Move money to a loan at OKCU.

• Pay an OKCU Member : Move money to another member’s OKCU accounts.

Transaction Types: Move Money Overview

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• Transfer Between Banks : Move money after adding and verifying your external accounts.

Verify transfer Between Banks

• Pay a Bill : Quickly set up one-time or recurring payments to people, other financial institutions or companies.

Transaction Types: Move Money Overview

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Transactions Transfer Money

Use the Transfer Money feature when you need to make a one-time or recurring transfer between your accounts. Internal transfers go through automatically, so your money is always where you need it to be.

Note : External transfers take up to 5 business days.

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In the Move Money tab, click Transfer Money . 1. Select the accounts to transfer funds between using the “From” and “To” drop-downs. 2. Enter the amount to transfer. 3. (One-Time Transfer Only) Enter the date to process the transaction.

Transactions: Transfer Money

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4. If you would like to set up a recurring transfer, follow these steps. a. Use the drop-down to select a frequency. b. Enter a start date for this transaction using the calendar features. c. Decide if the transfer will repeat forever or have an end date. 5. (Optional) Enter a memo. 6. Click Transfer Funds when you are finished.

Note : You can view or cancel unprocessed transactions by accessing the Recurring Transactions tab within the Activity Center.

Transactions: Transfer Money

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Transactions Send Money with Zelle ® Setup

Send money to family and friends anywhere! Person-to-person payments are a digital cash alternative that make sending and receiving money as easy as emailing and texting. Whether it’s paying allowance, splitting the check or sending a birthday gift, person-to-person payments allow you to quickly transfer money from your existing debit account to almost anyone. Initial Setup

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In the Move Money tab, click Send Money with Zelle ® . 1. Choose or add a new email address or mobile number to have a 6-digit verification code sent to.

2. Enter the 6-digit verification code. 3. Choose your primary account.

Transactions: Send Money with Zelle® Setup

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Adding a Recipient

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In the Move Money tab, click Send Money with Zelle ® . 1. Click the Add New Contact button.

2. Enter the recipient’s first name and last name. 3. (Optional) Enter the recipient’s nickname. 4. Choose where to send the money to. 5. Depending on your selection enter the recipient’s email address, phone number or account number. 6. Click the Save button.

Transactions: Send Money with Zelle® Setup

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Transactions Send Money with Zelle ®

Send money to any OKCU member or non-member using only their name and contact information.

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In the Move Money tab, click Send Money with Zelle ® . 1. Select a recipient and choose a send method. 2. Enter an amount to send.

3. (Optional) Select a date, frequency and click the Done button. 4. Use the drop-down to select an account to send funds from. 5. Click the Review button.

Transactions: Send Money with Zelle®

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