OnPoint Community Credit Union Retail Guide

O C B L D P a a

Learn more about Digital Banking. Providing convenient access to your accounts—anytime, anywhere. Digital Banking User Guide

V. 4.6.0.3E Rev. 01/25

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

St. Louis, MO 63021 www.mcompany.com

© 2009–2025 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 OnPoint Community 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 503.228.7077 or 800.527.3932.

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Table of Contents Getting Started

New User Enrollment ...................................................................................................8 Logging In.....................................................................................................................10 Logging Off ........................................................................................................................... 10 Resetting a Forgotten Password ...............................................................................11 Home Page Home Page Overview .................................................................................................13 Mobile Quicklinks........................................................................................................15 Account Details Overview ..........................................................................................16 Quick Transfer.............................................................................................................18 Account Nickname......................................................................................................19 Details & Settings........................................................................................................20 Account Grouping.......................................................................................................21 Editing a Group Name......................................................................................................... 22 Deleting a Group.................................................................................................................. 22 Manual Accounts ........................................................................................................23 Adding a Manual Account................................................................................................... 23 Editing a Manual Account ................................................................................................... 24 Deleting a Manual Account................................................................................................. 25 Security Protecting Your Information......................................................................................26 General Guidelines .............................................................................................................. 26 Login ID and Password........................................................................................................ 26 Fraud Prevention ................................................................................................................. 27 Security Preferences...................................................................................................28 Change Password ................................................................................................................ 28 Change Login ID ................................................................................................................... 29 Secure Delivery .................................................................................................................... 30 Mobile Security Preferences......................................................................................31 Enabling Touch ID or Fingerprint Login ............................................................................ 31 Enabling Face ID................................................................................................................... 33 Disabling Touch ID, Fingerprint or Facial ID Login........................................................... 34 Secure Message Overview .........................................................................................35 Sending a Secure Message ........................................................................................36

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Payments & Transfers Transfer Funds ............................................................................................................37 Member to Member ...................................................................................................39 Linking Someone’s OnPoint Account................................................................................. 39 Single Transfers Between OnPoint Accounts ................................................................... 41 Send Money with Zelle ® Setup ..................................................................................42 Initial Setup........................................................................................................................... 42 Adding a Recipient............................................................................................................... 43 Send Money with Zelle ®................................................................................................................................................................ 44 Request Money with Zelle ® ...................................................................................................................................................... 46 Split Payment with Zelle ®.................................................................................................................................................. 47 Zelle ® Settings..............................................................................................................48 Adding a Personal External Account ........................................................................50 Verifying a Personal External Account .....................................................................51 Loan Payments............................................................................................................52 Bill Payment Enrollment ...................................................................................................................54 Overview ......................................................................................................................56 Creating a Biller...........................................................................................................57 Known Company.................................................................................................................. 57 Unknown Company ............................................................................................................. 58 Person ................................................................................................................................... 59 Editing a Biller..............................................................................................................60 Deleting a Biller ...........................................................................................................61 Enabling eBills .............................................................................................................62 Paying eBills.................................................................................................................63 Canceling eBills Service for a Biller ...........................................................................64 Scheduling Payments .................................................................................................65 Single Payments................................................................................................................... 65 Multiple Payments ............................................................................................................... 66 Automatic Payments ..................................................................................................68 Automatic Payments for eBills ........................................................................................... 70 Edit an Automatic Payment .......................................................................................71 Delete an Automatic Payment ..................................................................................73 Rush Delivery...............................................................................................................75 Activity ..........................................................................................................................77 Editing Pending Payments .........................................................................................78 Canceling Pending Payments ....................................................................................80 Creating a Reminder...................................................................................................82 Editing Reminders.......................................................................................................84 Deleting Reminders ....................................................................................................86

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Wires Recipient Overview .....................................................................................................88 Part 1 of 4: Adding a Recipient ........................................................................................... 89 Part 2 of 4: Beneficiary Bank Detail.................................................................................... 90 Part 3 of 4: Intermediary Bank Detail (if applicable) ........................................................ 91 Part 4 of 4: Recipient Account Detail ................................................................................. 92 Editing a Recipient ......................................................................................................93 Editing a Recipient’s Templates.......................................................................................... 94 Deleting a Recipient....................................................................................................95 Payment Template Overview ....................................................................................96 Domestic Wire ...................................................................................................................... 97 Domestic Wire ...................................................................................................................... 99 Editing or Using a Template ................................................................................... 101 Deleting a Template ................................................................................................ 102 Activity Center Activity Center Overview ......................................................................................... 103 Using Filters ....................................................................................................................... 104 Creating or Deleting Custom Views Using Favorites .................................................... 105 Editing Transactions ......................................................................................................... 106 Canceling Transactions .................................................................................................... 107 Services Stop Payment Request............................................................................................ 108 Single Check ...................................................................................................................... 108 Multiple Checks ................................................................................................................ 109 Check Reorder.......................................................................................................... 110 Locations and ATMs................................................................................................. 111 Mobile Deposits ....................................................................................................... 112 Travel Notifications.................................................................................................. 113 Settings Account Preferences ............................................................................................... 114 Apple ® Watch............................................................................................................ 115 Apple ® Watch Setup.......................................................................................................... 115 Viewing Balances and Transactions ............................................................................... 115 Alerts Overview ........................................................................................................ 116 Account Alerts ................................................................................................................... 117 History Alerts..................................................................................................................... 118 Online Transaction Alerts ................................................................................................ 119 Security Alerts Overview ......................................................................................... 120 Editing Delivery Preferences............................................................................................ 121

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Enabling and Disabling Push Notifications........................................................... 122 Text Banking Enrollment......................................................................................... 123 Address Management ............................................................................................. 125 Accessibility............................................................................................................... 127 Financial Tools Welcome ................................................................................................................... 128 About This Guide .............................................................................................................. 128 Supporting Your Financial Plan .............................................................................. 129 Digital Banking Home Page .................................................................................... 131 Your First Financial Tools Session.......................................................................... 132 Managing Categories............................................................................................... 133 Automatic Categorization ................................................................................................ 133 Enter Manual Category .................................................................................................... 134 Split a Transaction Category............................................................................................ 135 Link an Account........................................................................................................ 136 Unlinking an Account ....................................................................................................... 137 Report Widgets Spending ................................................................................................................... 138 Spending: Recategorizing a Transaction........................................................................ 139 Budgets Overview............................................................................................................. 141 Auto-generated Budgets.................................................................................................. 142 Budgets From Scratch ...................................................................................................... 142 Editing or Deleting a Budget............................................................................................ 143 Managing Budgets............................................................................................................ 144 Trends Overview ............................................................................................................... 145 Net Worth Overview ......................................................................................................... 146 Debts Overview................................................................................................................. 147

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Getting Started New User Enrollment

If you’re new to Digital Banking with OnPoint, you need to complete the enrollment process the first time you log in. Once you complete these few quick steps, you’ll be on your way to banking everywhere you go! 1. Type onpointcu.com into your browser and click the “Enroll” link in the Online Banking login box. 2. Fill out the Digital Banking Enrollment Form with the required information and click the Continue button.

Note: The details you provide are verified by comparing them to your contact information in our system. If the information does not match, call us at 503.228.7077 or 800.527.3932 to update your profile.

3. A confirmation message appears. You are given a temporary password to use during your first-time login. Memorize the password, and click the “Click Here” link to be redirected to the OnPoint Home page. 4. Enter your new login ID and temporary password and click the Login button. 5. Choose the contact method that allows OnPoint to reach you immediately with a Secure Access Code (SAC). This numbered code is only valid for a short time, and you will need to request a new one if it expires. 6. Enter the SAC and click the Submit button. Never share your SAC with anyone. 7. Choose whether to register your device for future logins. If you click the Register Device button, you will not need to request a SAC from that device.

Note: For additional security, we strongly suggest you do not register your devices. Not registering requires you to use a SAC each time you log in.

Getting Started: New User Enrollment

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8. Review the Digital Banking Services Agreement on the Disclaimers page and click the I Accept button to agree to the terms and conditions. 9. A view-only profile page appears. Review the information and click the Submit button. 10. Change your password by using your old temporary password. 11. Congratulations! You have successfully logged in to Digital Banking! If you have any questions or concerns, call us at 503.228.7077 or 800.527.3932.

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 login ID and password. If you are logging in using a device you have not previously registered, you need to request a Secure Access Code (SAC).

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

Note: If you enter an incorrect password too many times, your account will be temporarily locked. Call us at 503.228.7077 or 800.527.3932 for assistance.

Logging Off For your security, you should always log off when you finish your Digital Banking

session. We may also log you off due to inactivity. 1. Click the Log Off tab in the navigation menu. 2. Close your internet browser.

Getting Started: Logging In

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Getting Started Resetting a Forgotten Password

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

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1. Click the “Forgot password” link. 2. Enter your login ID and click the Submit button.

Note: You may not be able to change your password if your account is locked or if you are resetting your password from an unregistered browser.

Getting Started: Resetting a Forgotten Password

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3. Choose the contact method that allows OnPoint to reach you immediately with a six-digit SAC. 4. Enter the SAC and click the Submit button. 5. Create a new password based on our password requirements, and click the Submit button 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. Here you can view the balances in both your linked and OnPoint accounts, see your account summaries and more! G D A

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

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 Online Banking features by selecting the appropriate drop-down tab.

Note: On the Mobile app, select the Menu button to display the main menu.

B. Your OnPoint accounts and linked external accounts are displayed in an account card with their respective balances. 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 card 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 card, you can drag and drop it to a new location to change the order in which your accounts appear. G. The Quick Actions links in the top right corner let you quickly access different Online Banking features.

Home Page: Home Page Overview

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Home Page Mobile Quicklinks

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

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A. Transfer funds between previously linked OnPoint accounts or external accounts using the Transfer Funds quicklink. B. Use the Loan Payment quicklink to pay your OnPoint loans. C. Use the Deposit a Check quicklink to enroll in Mobile Deposit and quickly deposit checks. D. Find OnPoint Branches or ATMs near you using Locations and ATMs .

Home Page: Mobile Quicklinks

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Home Page Account Details Overview

Selecting an OnPoint 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 your transaction history, transaction type, 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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A. On the Home page, you can click on an account name to view the Account Details screen. B. The current and available balances for that account are displayed in the top right corner. C. The icon opens the search bar to find transactions in that account. D. Transactions can be filtered by date, time, type, amount or check number. Click the icon for more options. E. Make a quick transfer by clicking the icon. (See page 21 for additional details.) F. Export your transactions into a different format by clicking the icon. G. The icon lets you send a secure message about that account or print a list of transactions. H. The icon indicates how the Date, Description and Amount columns are sorted. I. To view details for any transaction in the list, click on the transaction name. J. The icon lets you send a secure message about that transaction or print details about it.

Note: If you want to add additional checking or savings accounts, in the Services tab, click Add Accounts .

Note: The export and print options are not available in mobile.

Home Page: Account Details Overview

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Home Page Quick Transfer

If you’re ever in a rush, the Quick Transfer option provides you with a simple way to move money from one account to another.

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1. Click the

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

Transfer. 2. Use the drop-downs to select the “From” and “To” accounts. 3. Enter an amount to transfer. 4. Select a transfer date. 5. (Optional) Click the Advanced Options button to create a recurring transfer. 6. Click the Transfer Funds button 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 card and select Nickname

Account. 2. Enter a global nickname. This will update the nickname for all users. 3. Enter a personal nickname. This only updates the nickname in your personal view. 4. Click the Save button when you are finished.

Home Page: Account Nickname

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Home Page Details & Settings

View additional details about an account and change the account’s visibility.

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1. Click the 2. Click the

icon on the right side of an account card and select Settings.

icon to edit a nickname. 3. Use the toggle to decide whether or not your account is visible on the Home page and within financial tools.

Home Page: Details & Settings

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Home Page Account Grouping

You can organize your internal and linked 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 the 2. Use the drop-down to select an account. 3. Enter the group name. 4. Click the Save button.

icon and selecting “Create new group.”

Home Page: Account Grouping

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

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1. Click icon and select “Edit group name.” 2. Enter a new name and click the check mark 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 an account from a group by clicking and holding an account tile and dragging it to another group and dropping it. 2. Click the Yes, delete button to delete the group after removing the last account in the group.

Home Page: Account Grouping

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Home Page Manual Accounts

This feature is available to consumers. Manual Accounts allows consumers to add manual accounts to My Money to get a clearer picture of their Net Worth. You can add or edit assets and debts such as your home value, cash on hand or outstanding loans.

Adding a Manual Account

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1. Click the Get Started button. 2. Enter an account name. 3. Use the drop-down to select an account type and enter the required information. This will vary based on the account type selected. 4. Enter a balance. 5. Click the Save button.

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 the Save button. 3. Click the Done button when you are finished.

Home Page: Manual Accounts

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Deleting a Manual Account

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icon and click “Delete account.”

2. Click the Delete button.

Home Page: Manual Accounts

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Security Protecting Your Information

Here at OnPoint, we do everything we can to protect your personal information and provide you with a dependable online experience. However, we rely on you to take further precautions to ensure the safety of your accounts. General Guidelines • Make sure your operating system and antivirus software are up to date. Click here for a current list of recommended browsers. • Always use secure wireless (WiFi) networks that require a login ID 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’ve 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, birthday or any personal information. • Change your passwords periodically and never reuse passwords used for other services. • Memorize your passwords instead of writing them down. • Only register personal devices and avoid using features that save your login IDs and passwords. • Visit OnPoint’s guide to creating strong usernames and passwords for a checklist to help you create strong login credentials.

Security: Protecting Your Information

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Fraud Prevention • Do not open email attachments or click on links from unsolicited sources. • Avoid giving out personal information on the phone, by text 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 503.228.7077 or 800.527.3932.

Security: Protecting Your Information

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Security Security Preferences

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

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Change Password You can change your Online Banking password at any time. We recommend changing your password regularly and following our guidelines to create a strong password.

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

Security: Security Preferences

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Change Login ID You can change your login ID at any time. Create a unique login ID you will remember and follow our required guidelines.

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In the Settings tab, click Security Preferences . 1. Click the Change Login ID button. 2. Enter your new login ID. 3. Click the Save new Login ID button when you are finished making changes.

Security: Security Preferences

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Secure Delivery We can verify your identity by sending an SAC to you by text message or voice call. Within Security Preferences, you can make changes to your delivery preferences or add new for us to contact you.

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

icon to make

changes, or the icon to delete a secure delivery method. 3. Add a new delivery contact by clicking either the + Add Contact button. 4. Enter your new contact information and click the Save button when you are finished to save your changes.

Note: Never share your Secure Access Code (SAC) with anyone. OnPoint staff will never request that you share your Secure Access Code (SAC). If you are asked for your Secure Access Code (SAC), it is fraud. Reach out to OnPoint at 503.228.7077 or 800.527.3932 for assitance.

Security: Security Preferences

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Security Mobile Security Preferences

Within OnPoint’s 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, and 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™ device with just your fingerprint. With this feature enabled, you can quickly and securely access your accounts using our app! Apple ® 1

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Sign in to OnPoint’s app and tap the Menu button. In the Security Preferences tab, tap Touch/Face ID. 1. Toggle the Touch ID (Apple) or Fingerprint Login (Android) switch from “Off” to “On.” 2. Review the information about using fingerprint authentication and tap the Continue button. 3. Enter your login ID and password, and tap the Authorize button.

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

Security: Mobile Security Preferences

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4. Scan your fingerprint. a. Apple ® Device : Place your finger on the Home button to enable Touch ID. b. Android ™ 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 Face ID Face ID and Biometrics are features that utilize facial recognition technology, allowing you to unlock your Apple ® or Android device with your smile instead of a login ID and password.

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Open OnPoint’s app and tap the Face ID (Apple) or Biometrics (Android) button. 1. Review the information about using Face ID and tap the Enroll Now button. 2. Enter your login ID and password, and tap the Authorize button. 3. Face ID is now set up. You can now tap the Biometrics button to log in.

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

Security: Mobile Security Preferences

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

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Sign in to OnPoint’s app and tap the Menu button. Select Settings , then Security Preferences . 1. Toggle the Face/Touch ID or Fingerprint Login switch from “On” to “Off.” 2. Tap the Yes button to disable the feature.

Security: Mobile Security Preferences

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Security Secure Message Overview

If you have questions about your accounts or need to speak with someone at OnPoint, Secure Messages allows you to communicate directly with a OnPoint member service representative. From the Secure Messages page, you can find replies, old messages or create new conversations.

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Click the Messages tab. A. Click on a message to open it. Messages are displayed on the left side of the screen. B. Messages automatically delete after a certain time. 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 the “Delete multiple” link. 2. Check the box next to the corresponding messages or check the box next to “Select All.” 3. Click the “Delete” link and then the Delete button to permanently delete the selected messages.

Security: Secure Message Overview

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Security Sending a Secure Message

Starting a new conversation through Digital Banking is as effortless as sending an email. Unlike an email, you can safely include confidential information relating to your accounts or attach files within a new message.

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Click the Messages tab. 1. Create a new message by clicking the

icon in the top right corner

(Desktop) or bottom right corner (Mobile). 2. Select the recipient from the drop-down. 3. Enter the subject. 4. Enter your message. 5. Click the Send message button when you are finished.

Security: Sending a Secure Message

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Payments & Transfers Transfer Funds

Use the Account Transfer feature when you need to make a one-time or recurring transfer between your personal OnPoint accounts. These transactions are processed immediately, so your money is always where you need it to be.

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In the Payments & Transfers tab, click Account Transfer . 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.

Payments & Transfers: Transfer Funds

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4. If you would like to set up a recurring transfer, follow the steps below. 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 the Transfer Funds button when you are finished.

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

Payments & Transfers: Transfer Funds

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Payments & Transfers Member to Member

If you have a friend or relative who banks with OnPoint, Member to Member Transfers allow you to send them money immediately. You can send electronic payments and link accounts for future deposits. Linking Someone’s OnPoint Account Instead of typing in someone’s information every time you send them money, you can conveniently link their account for future deposits.

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In the Payments & Transfers tab, click Member to Member . 1. Click the Link Account button. 2. Select a delivery method for a secure access code. 3. Enter the secure access code and click the Verify button.

Payments & Transfers: Member to Member

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4. Select personal or business account. 5. Enter the recipient’s account number. 6. Select an account type.

7. For a personal account, enter the first three letters of the recipient’s last name. For a business account, enter the first three letters of the business name. 8. Click Submit when you are finished.

Note: To review or cancel a Member to Member, visit the Activity Center.

Payments & Transfers: Member to Member

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Single Transfers Between OnPoint Accounts If you only need to send money to someone once, you can generate a single transaction.

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In the Payments & Transfers tab, click Member to Member . 1. Click the Single Transfer button. 2. Select the account to take funds from using the “From Account” drop-down. 3. Enter an amount. 4. (Optional) Write a description of your transfer.

5. Select personal or business account. 6. Enter the recipient’s account number. 7. Select an account type.

8. For a personal account, enter the first three letters of the recipient’s last name. For a business account, enter the first three letters of the business name. 9. Click Submit when you are finished.

Payments & Transfers: Member to Member

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Payments & Transfers Send Money with Zelle ® Setup

Zelle ® is a fast, safe and easy way to send money directly between almost any bank accounts in the U.S., typically within minutes.* With just an email address or U.S. mobile phone number, you can send money to people you trust, regardless of where they bank.*

Initial Setup

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In the Payments & Transfers tab, click Send Money with Zelle ® and review and accept the Zelle ® Terms of Service. 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.

Payments & Transfers: Send Money with Zelle® Setup

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Adding a Recipient

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In the Payments & Transfers 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.

Payments & Transfers: Send Money with Zelle® Setup

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Payments & Transfers Send Money with Zelle ®

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

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In the Payments & Transfers 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.

Payments & Transfers: Send Money with Zelle®

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6. (Optional) Enter a reason for the payment. 7. Click the Send button.

Note: If your contact isn’t registered with Zelle ® , we’ll send them a notice about your payment and ask them to take a moment to register. Your contact will receive your money within three business days after registering with Zelle ® (or on the delivery date, whichever is later).

Payments & Transfers: Send Money with Zelle®

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Payments & Transfers Request Money with Zelle ®

Request money from any OnPoint member or non-member using only their name and contact information.

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In the Payments & Transfers tab, click Send Money with Zelle ® . 1. Click the Request tab. 2. Select a recipient and choose a request method. 3. Enter an amount to request. 4. Click the Review button. 5. (Optional) Enter a reason for the request. 6. Click the Request button.

Payments & Transfers: Request Money with Zelle®

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Payments & Transfers Split Payment with Zelle ®

Split a payment between multiple people. 1

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In the Payments & Transfers tab, click Send Money with Zelle ® . 1. Click the Split tab. 2. Select recipients and choose request methods. 3. Click the Enter Amount button. 4. Enter an amount. 5. Click the Review button. 6. (Optional) Make adjustments to the split. 7. (Optional) Enter a reason. 8. Click the Split button.

Payments & Transfers: Split Payment with Zelle®

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Payments & Transfers Zelle ® Settings

Update your email address or phone number, change your primary account or edit a contact’s information.

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Payments & Transfers: Zelle® Settings

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In the Payments & Transfers tab, click Send Money with Zelle ® , then click the Settings tab.

A. Click the plus icons to add a new email or mobile number. B. Use the drop-down to change your primary account. C. Click on a contact to edit their information.

Note: Within Zelle Settings, you can also access a personal QR code to share with others to request funds.

Payments & Transfers: Zelle® Settings

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Payments & Transfers Adding a Personal External Account

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

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In the Payments & Transfers tab, click Add External Account . 1. Enter the account number. 2. Select the type of account using the “Account Type” drop-down. 3. Enter the financial institution’s routing number. These numbers are located at the bottom of a paper check or deposit slip from your checkbook. 4. Click the Continue button.

Note: In two to three business days, two micro-deposits will appear in your external account. Once you receive the deposits, go to the Verify External Account tab to verify the account.

Payments & Transfers: Adding a Personal External Account

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Payments & Transfers Verifying a Personal External Account

As soon as OnPoint makes two small deposits of less than a dollar into your external account, you are asked to verify those amounts within Digital Banking. Once they are confirmed, you can begin transferring money to the external account.

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In the Payments & Transfers tab, click Verify External Account . 1. Select the account you would like to verify. 2. Enter the amounts of the two micro-deposits made into your external account. 3. Click the Continue button when you are finished.

Payments & Transfers: Verifying a Personal External Account

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Payments & Transfers Loan Payments

If you need to make a one-time or recurring loan payment with OnPoint or another financial institution, you can use the Loan Payment feature.

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In the Payments & Transfers tab, click Loan Payments . 1. Using the “From” and “To” drop-downs, select the account the funds will be taken from and the account you wish to post the payment.

Note: To make a credit card payment, follow the link “Click here to make a payment to your OnPoint credit card.”

2. Select your payment type using the “Payment Type” drop-down. 3. Enter the amount of the payment. 4. (One-Time Payment Only) Enter the date to process the transaction.

Payments & Transfers: Loan Payments

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5. If you would like to set up a recurring payment, follow the steps below. a. Check the box next to “Make this a recurring transaction” to repeat the transfer. b. Use the “Frequency” drop-down to specify how often the transfer should occur. c. Enter a start and end date for this transaction using the calendar features. d. If your transaction doesn’t have an end date, check the box next to “Repeat Forever.” 6. (Optional) Enter a memo. 7. Click the Submit button when you are finished.

Payments & Transfers: Loan Payments

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Bill Payment Enrollment

When you click the Bill Payment tab, you are asked to choose an account to use within Bill Pay and to accept the terms and conditions.

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In the Payments & Transfers tab, click Bill Payment . 1. Select an account, then click the Enroll in Bill Pay button. 2. Review the Terms of Service and click the Accept button.

Bill Payment: Enrollment

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3. Review the Privacy Policy and click the Accept button. 4. Click the Get started button.

Bill Payment: Enrollment

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Bill Payment Overview

Bill Payment with OnPoint allows you to stay on top of your monthly finances. Having your bills linked to your credit union account enables you to electronically write checks and send payments in one place.

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In the Payments & Transfers tab, click Bill Payment . A. View a list of your unpaid bills. B. View a list of your billers. C. View your current account balances. D. View your recent activity.

Bill Payment: Overview

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Bill Payment Creating a Biller

The individual who receives your payments is known as a biller. You can pay just about any company, loan or account using Bill Payment. The information printed on your bill is all you need to set up a company as a biller. When creating your biller, there are two types of companies you can add: known and unknown.

Known Company

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In the Payments & Transfers tab, click Bill Payment . 1. Start entering the biller’s name and select it from the list. Then click the Add biller button. 2. Enter the required information. Fields may vary depending on which company you are adding. 3. Click the Add button when you are finished. 4. You can then either make a payment or click the Cancel button to return to the Bill Pay home page.

Bill Payment: Creating a Biller