Salem Co-operative Bank Your Guide to Our Business Digital Banking Suite

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YOUR GUIDE TO OUR Business Digital Banking Suite

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

St. Louis, MO 63021 www.mcompany.com

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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 Business Digital Banking with Salem Co-operative Bank! Whether you are at home or the office using a mobile phone, tablet or laptop, we strive to make your Business Digital Banking experience easy and convenient. By adding powerful commercial products and features, Salem Co-op provides you with the complex tools your business needs to achieve its goals. 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 Business Digital Banking process. If you have additional questions, contact us at 603-893-3333.

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Table of Contents Getting Started

10 Business Digital Banking Overview.............................................................................9 Sub-Users................................................................................................................................ 9 Companies .............................................................................................................................. 9 Transaction Type Overview ....................................................................................... New User Enrollment .................................................................................................11 Logging In.....................................................................................................................12 Multi-Factor Authentication.......................................................................................14 Logging Off ........................................................................................................................... 15 Duo Mobile ........................................................................................................................... 16 Accounts Dashboard Overview..................................................................................................18 Account Details Overview .......................................................................................... Editing Favorite Accounts........................................................................................... Transaction Details .....................................................................................................22 Adding an Account to TotalView ...............................................................................24 Adding an External Account ......................................................................................26 Verifying an External Account ............................................................................................ 28 Removing an External Account .......................................................................................... 29 My Credit Manager .....................................................................................................31 Registration .......................................................................................................................... 31 Overview .............................................................................................................................. 33 Organize Dashboard ..................................................................................................34 Reorder Accounts ................................................................................................................ 34 Rename Accounts ................................................................................................................ 35 Hide/Unhide Accounts ........................................................................................................ 36 Hide/Unhide Dashboard Tiles ............................................................................................ 37 App Appearance................................................................................................................... 38 Favorite Payees ...........................................................................................................39 Selecting Favorite Payees.................................................................................................... 39 TotalView Initial Setup.................................................................................................................. Tagging Transactions........................................................................................................... 41 Splitting a Transaction ......................................................................................................... 43 TotalView Dashboard .................................................................................................45 Spending by Category ................................................................................................46 Budget ..........................................................................................................................48 Adding Budgets.................................................................................................................... 49 20 30 40 Managing Budgets............................................................................................................... Add a Budget Alert............................................................................................................... 52 50

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Cashflow Overview .....................................................................................................53 Add a Bill or Income ............................................................................................................ 54 Net Worth ....................................................................................................................55 Add an Unlinked Asset or Debt.......................................................................................... 56 Goals.............................................................................................................................57 Adding Goals ........................................................................................................................ 58 Save for Goals....................................................................................................................... 58 Pay Off Goals ........................................................................................................................ 59 Add a Goal Alert ................................................................................................................... 60 Managing Goals ................................................................................................................... 61 Security Protecting Your Information......................................................................................62 General Guidelines .............................................................................................................. 62 Login ID and Password........................................................................................................ 62 Fraud Prevention ................................................................................................................. 62 Login Settings ..............................................................................................................63 Change Username ............................................................................................................... 63 Change Password ................................................................................................................ 64 Change Security Questions................................................................................................. 65 Recent Logins ..............................................................................................................66 Mobile Security Preferences......................................................................................67 Enabling Biometric Sign-In.................................................................................................. 67 Enabling FaceID.................................................................................................................... 68 Enabling PIN Login......................................................................................................69 Auto-Login....................................................................................................................70 Alerts Alerts Overview ...........................................................................................................71 Custom Alerts....................................................................................................................... 72 Business Banking Alerts...................................................................................................... 73 Security Alerts ...................................................................................................................... 74 TotalView Alerts.................................................................................................................... 75 Turning Alerts On and Off................................................................................................... 76 Editing or Deleting Alerts ...........................................................................................77 Previous Alerts ............................................................................................................78 Move Money Move Money Overview...............................................................................................79 Adding a Payee............................................................................................................80 Person to Person Payee...................................................................................................... 80 Favoriting a Payee................................................................................................................ 82

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Editing a Payee ..................................................................................................................... 83 Deleting a Payee .................................................................................................................. 84 New Transaction .........................................................................................................85 Transferring Money Between Your Accounts................................................................... 85 Making a Loan Payment...................................................................................................... 87 Transferring Money to Another Person (P2P) .................................................................. 90 Editing Transfers/Payments ............................................................................................... 92 Skip Transfers/Payments .................................................................................................... 93 Deleting Transfers/Payments............................................................................................. 94 Deposit Checks Mobile Deposit ............................................................................................................95 Manage Cards Turn Card On or Off....................................................................................................96 Card Name...................................................................................................................97 Card Alert.....................................................................................................................98 Change PIN ..................................................................................................................99 Report Lost or Stolen Card ..................................................................................... 100 Travel Notification.................................................................................................... 101 Enable Automatic On/Off........................................................................................ 103 Google Pay/Apple Pay ............................................................................................. 105 Reports Creating a New Report ............................................................................................ 106 Account Activity Report .................................................................................................... 106 Running an Existing Report .................................................................................... 107 Editing a Report........................................................................................................ 108 Deleting a Report ..................................................................................................... 109 Services Locations................................................................................................................... 110 Secure Message Overview ...................................................................................... 111 Sending a Secure Message ..................................................................................... 112 Submit a Form................................................................................................................... 113 Documents ............................................................................................................... 114 Document Enrollment...................................................................................................... 114 Viewing Documents.......................................................................................................... 115 Stop Payment ........................................................................................................... 116 Single Check ...................................................................................................................... 116 Multiple Checks ................................................................................................................ 118 ACH .................................................................................................................................... 120

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Settings Contact Settings ....................................................................................................... 122 Adding a New Phone ........................................................................................................ 122 Editing a Phone ................................................................................................................. 123 Deleting a Phone............................................................................................................... 124 Editing an Email Address ................................................................................................. 125 Bill Pay Bill Pay Overview...................................................................................................... 126 Creating a Payee ............................................................................................................... 126 Editing a Payee ......................................................................................................... 128 Deleting a Payee ...................................................................................................... 129 Schedule Payments ................................................................................................. 130 Desktop .............................................................................................................................. 130 Mobile................................................................................................................................. 131 Recurring Payments ................................................................................................ 132 Desktop .............................................................................................................................. 132 Mobile................................................................................................................................. 133 Rush Delivery............................................................................................................ 134 Setting Up VisiBill ..................................................................................................... 135 eBill Options ............................................................................................................. 136 Editing a Payment .................................................................................................... 137 Deleting a Payment ................................................................................................. 138 Payment History....................................................................................................... 139 Picture Pay ................................................................................................................ 140 Updating Preferences.............................................................................................. 142 Sub-Users Sub-Users Overview ................................................................................................ 143 Editing a Sub-User ................................................................................................... 147 Part 1: Editing Sub-User Access....................................................................................... 148 Deleting a Sub-User................................................................................................. 150 Company Management Company Management Overview ......................................................................... 151 Adding a Participant to an Existing Company ...................................................... 152 Editing a Company................................................................................................... 155

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Wires New Domestic Wire ................................................................................................. 156 Part 2: (Optional) Beneficiary and Intermediary Institutions .............................................. 158 Part 3: Schedule Wire Payment................................................................................................ 159 Creating a Domestic Wire Template...................................................................... 162 Part 1: Recipient Information .......................................................................................... 162 Part 2: (Optional) Beneficiary and Intermediary Institutions .............................................. 164 Part 3: Template Name.............................................................................................................. 165 Initiating a Template................................................................................................ 167 Part 1: Initiating a Template ............................................................................................ 167 Part 2: Scheduling a Wire................................................................................................. 168 Editing a Wire Template .......................................................................................... 170 Deleting a Wire Template ....................................................................................... 172 Editing a Wire ........................................................................................................... 173 Deleting a Wire......................................................................................................... 174 Approving a Wire ..................................................................................................... 175 Rejecting a Wire........................................................................................................ 176 Wire History.............................................................................................................. 177

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Getting Started Business Digital Banking Overview

Whether you’re an enterprise, large corporation or small organization, our flexible Business Digital Banking can efficiently serve you.

Sub-Users If your business only needs one person with access to Business Digital Banking, you can set up a single login ID and password. This is typical for small companies who primarily use basic Digital Banking tools with occasional business transactions. For larger organizations, our system lets you establish multiple login IDs and passwords for authorized employees. You can customize which employees get access to different features or accounts within Business Digital Banking by establishing user permission. Companies Companies are different entities owned or managed by one master user. Business Digital Banking allows you to manage your companies, offering centralized control to the parent company with the convenience of a single banking system.

Getting Started: Business Digital Banking Overview

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Getting Started Transaction Type Overview

Various types of payment methods are offered through Business Digital Banking, including wire and ACH transfers. Though both methods are quick electronic payments, wires are the fastest way to transfer money between accounts. ACH transactions can be sent as a single or batch process, and funds are generally not available until the next business day. Please contact us at 603-893-3333 for a full list of wire and ACH fees or if you have any questions.

Getting Started: Transaction Type Overview

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Getting Started New User Enrollment

If you’re new to Digital Banking with Salem Co-op, 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 salemcoop.com into your browser, and navigate to the website. 2. Click the Enroll button. 3. Click the “Sign Up” link. 4. Click the Let’s Get Started! button. 5. Enter your personal information and click the Continue button. Note: If the information entered does not match your bank account record at Salem Co-op or if you have an old Digital Banking account, you will need to call us at 603-893-3333. 6. You will be asked to answer four verification questions. 7. You can choose a second verification step by having a link sent to a known phone number or email address associated with your record at Salem Co-op. If you do not want to utilize this additional verification step, choose None. 8. Read the welcome information and click the Finish button. 9. If you choose to skip the second verification step, or if your identity cannot be successfully verified through our automated process, your enrollment request will be forwarded to our Client Solutions Center. One of the Bankers from Client Solutions will then call you to verify your identity. Once your identity has been verified, you will receive an email. 10. Click the link in the email to create your own username and password. 11. Choose three security questions and enter the appropriate responses. 12. You will then be taken into your Salem Co-op Digital Banking experience after accepting the terms and conditions.

Getting Started: New User Enrollment

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Getting Started Logging In

After your first-time enrollment, logging in is easy and only requires your username and password.

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1. Enter your username and click the Login button. 2. Enter your password. 3. (Optional) Check the box to remember your username. 4. Click the Sign In button. If this is the first time you are logging in from an unregistered device, you will need to answer a security question.

Getting Started: Logging In

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9 5. Select a device. 6. (Optional) Check the box to remember your device. 7. Select a delivery method for the passcode. 8. Enter the passcode. 9. Click the Submit button.

Note: By selecting “Remember Device” on your login screen, you can bypass the MFA requirement for future logins on that device. It is device specific, so if you select Remember Device on your phone in the app, it will still require MFA on any other device (i.e. your office computer, etc.). If you clicked “Remember Device” but would like to again be prompted for a code, please call us and we can reset your MFA requirement.

Getting Started: Logging In

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Getting Started Multi-Factor Authentication

Multi-Factor Authentication (MFA) is an additional security layer to validate your login to Salem Co-op’s digital banking. You can select to receive a phone call, text message, or mobile app push notification to approve your login.

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Sign in to digital banking like normal at salemcoop.com or through your mobile app. 1. Click the Let’s Get Started button. 2. (Optional) To set up a landline, click the “Use other mobile device or landline” link. 3. Use the drop-down to select a country. 4. Enter the phone number. 5. Enter a nickname. If you set up multiple phone numbers on your profile for MFA use, the nicknames will display in a drop down list for easy reference. 6. Select a device.

Getting Started: Multi-Factor Authentication

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7. Select either Text Me or Call Me to receive a verification code. 8. Enter the verification code, then click the Verify Device button.

9. Decide if you will use Duo Mobile by clicking the Use Duo Mobile button or skip this step by clicking the Skip This Step button. Duo Mobile is an optional application that helps you authenticate your login. For more information go to page 16. If not using Duo Mobile, continue to the next step. 10. (Optional) Click the Add Another Device button to add another device. 11. Click the Complete Setup button when you are finished. 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 Out tab in the sidebar menu.

Getting Started: Multi-Factor Authentication

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Duo Mobile Enroll in the app Duo Mobile to log in quicker (it will send you a push notification to your cell phone to accept/deny login instead of having to enter a code).

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1. Click the Use Duo Mobile button. You will receive two text messages with directions. 2. Click the “Download Mobile App” link. 3. This will take you to the app store. Click the Open button, then download the Duo Mobile app. 4. Go back to the text message and click the “Activate the Duo Mobile App” link which opens the Duo Mobile app.

Getting Started: Multi-Factor Authentication

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5. Agree to allow push notifications by clicking the Allow button. Once you agree, you will see the Salem Co-op listing at the top of the screen. 6. Go back to your Salem Co-op app or login. MFA and Duo Mobile setups are now complete. Now every time you login, you will be asked to verify your login with the Duo Mobile app.

Getting Started: Multi-Factor Authentication

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Accounts Dashboard Overview

After logging in, you are taken directly to the dashboard. From here, you can navigate to every feature within Digital Banking. You can view the balances in your accounts, see your account summaries and more!

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Accounts: Dashboard 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 tab. B. Your accounts are displayed in an account tile with their balance. If you click an account tile, you are taken to the Account Details page. C. Click the View All Accounts button to view all of your accounts. D. Click the Add Account button to add a new account. Go to page 24 for more information. E. Click the “Edit Favorites” link to edit your favorite accounts. Go to page 30 for more information. F. Quickly view and ACH or Wire transfers that need your attention. G. View a list of your recent transactions. Use the drop-down to select a different account. H. View a list of your upcoming transactions. Use the drop-down to select a different account. I. Click the icon to hide or rearrange the dashboard tiles. Go to page 37 for more information. J. Easily monitor your credit score. Go to page 31 for more information.

Accounts: Dashboard Overview

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Accounts Account Details Overview

Selecting a Salem Co-op account on the dashboard takes you to the Account Details page, where you can view every transaction pertaining to that account. From here, you can view details such as type of transaction, check images and account balances, so you stay organized and on top of your finances.

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Accounts: Account Details Overview

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A. On the dashboard, click on an account tile to view the Account Details screen. B. The available balance of your account is displayed in the top left corner. C. Export your transactions into a different format by clicking the icon. D. The icon opens the search bar to sort and find transactions within that account. E. Use the “Sort” link to sort your transactions. F. You can view more details about a transaction by clicking on it. G. Click the New Transaction button to create a new transaction. Go to page 85 for more information. H. More details about the account are displayed in the upper right corner. Click the icon to view additional details. I. The Statements button allows you to enroll in and access digital statements. Go to page 114 for more information. J. The Stop Payment button allows you to stop a pending check payment. Go to page 116 for more information.

Accounts: Account Details Overview

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Accounts Transaction Details

Access additional details about your transactions.

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On the dashboard, select an account to view the Account Details screen. 1. Click on a transaction.

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A. Click the icon to download transaction details. B. Click the Category button to categorize a transaction. 1. Click the icon to add a category. 2. Click a category to categorize the transaction. 3. (Optional) Check the box to automatically apply this category to all similar transactions.

Accounts: Transaction Details

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C. Click the icon to add a note to a transaction. D. Click the “+ Attach Image(s)” link to add an image to a transaction.

Note: Adding a tag makes transactions easier to search. Adding an image is a great way to organize receipts.

Accounts: Transaction Details

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Accounts Adding an Account to TotalView

Your Salem Co-op accounts are automatically linked to TotalView. You can also aggregate your external accounts. For more information about TotalView, go to page 40.

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Click the Dashboard tab. 1. Click Add Account button. 2. Click the TotalView button.

Accounts: Adding an Account to TotalView

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3. Click the Next button. 4. Locate your financial institution using the list or the search bar.

5. Click the Next button. 6. Log into your account.

Accounts: Adding an Account to TotalView

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Accounts Adding an External Account

Link your accounts at other financial institutions, so you can transfer money between your accounts without ever leaving home! Salem Co-op will make two small deposits of less than a dollar into your external account. You will be asked to verify those amounts within Digital Banking. Once they are confirmed, you can begin transferring money to/from the external account.

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Click the Dashboard tab. 1. Click Add Account button. 2. Click the External Account button.

Accounts: Adding an External Account

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3. Enter an account name. 4. Enter a receiver name. 5. Enter the bank name. 6. Select an account type. 7. Enter the routing/transit number. 8. Enter the account number. 9. Click the Save button.

Accounts: Adding an External Account

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Verifying an External Account Salem Co-op will make two small deposits of less than a dollar into your external account. You will be asked to verify those amounts within Digital Banking. Once they are confirmed, you can begin transferring money to/from the external account.

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In the Pay, Transfer, & Receive tab, click Move Money . 1. In the My Payees section, select the account you would like to verify. 2. Click the Verify External Account button. 3. Enter the test transaction amounts that were sent to the account.

Accounts: Adding an External Account

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Removing an External Account You can easily remove an external account if it is no longer needed. Any scheduled transfers involving the account will be deleted.

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In the Pay, Transfer, & Receive tab, click Move Money . 1. Select the account you would like to delete. 2. Click the Delete This Payee button. 3. Click the Delete button.

Accounts: Adding an External Account

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Accounts Editing Favorite Accounts

Select up to six favorite accounts to display on your Dashboard.

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Click the Dashboard tab. 1. Click the “Edit Favorites” link. 2. Select or unselect the stars next to the accounts to add or remove them as favorites. 3. Drag and drop to reorder favorited accounts.

Accounts: Editing Favorite Accounts

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Accounts My Credit Manager

Keep an eye on credit score and credit report changes with My Credit Manager real time credit monitoring.

Registration

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Click the Dashboard tab. 1. Click the Learn More button. 2. Enter your contact information and click the Next button. 3. Enter your personal information, consent to receiving SMS messages from credit vendors for identity verification and click the Submit button.

Accounts: My Credit Manager

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4. Select the correct answers to the questions to verify your identity and click the Submit button. 5. Your credit report will be displayed.

Accounts: My Credit Manager

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Overview

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Click the Dashboard tab then click the Go To Credit Report button. A. Use the tabs to view your credit score from different credit bureaus. B. Click the Credit report button to view your credit report. C. Click the Score factors button to view factors affecting your credit score. D. Click the Credit alerts button to view changes that can affect your credit. E. Click the Score simulator button to view how different scenarios may affect your credit score.

Accounts: My Credit Manager

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Accounts Organize Dashboard

Reorder, rename and hide accounts to customize your dashboard. You can also hide dashboard tiles.

Reorder Accounts

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Click the “Manage Profile” link at the top of the side menu. 1. Click the Reorder Accounts button. 2. Click and drag an account to reorder them.

Accounts: Organize Dashboard

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Rename Accounts

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Click the “Manage Profile” link at the top of the side menu. 1. Click the Rename Accounts button. 2. Rename your account(s). 3. Click the Save button when you are finished.

Accounts: Organize Dashboard

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Hide/Unhide Accounts

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Click the “Manage Profile” link at the top of the side menu. 1. Click the Hide Accounts button. 2. Select which accounts to hide or unhide.

Accounts: Organize Dashboard

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Hide/Unhide Dashboard Tiles

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Click the “Manage Profile” link at the top of the side menu. 1. Click the Hide Dashboard Tiles button. 2. Select which dashboard tiles to hide or unhide. 3. Drag and drop to reorder tiles.

Accounts: Organize Dashboard

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App Appearance Change the way the app appears on your devices. These changes will apply to any device you use to log into your account.

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Click the “Manage Profile” link at the top of the side menu. 1. Select a display theme for the mobile app

Accounts: Organize Dashboard

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Accounts Favorite Payees

Quickly send transfers to your favorite payees. Select up to four favorite payees to quickly schedule transfers and payments.

Selecting Favorite Payees

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Click the Dashboard tab. 1. Click the icon and select “Edit Favorite Payees.” 2. Select or unselect the stars next to the payees to add or remove them as favorites. 3. Drag and drop to reorder favorited payees. 4. Go to page 90 for more information about person to person payments. 5. Go to page 85 for more information about external account payments.

Accounts: Favorite Payees

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TotalView Initial Setup

Setting up financial goals for yourself is just as important as establishing a budget. As you move closer to your objectives, TotalView not only serves as a rearview mirror to see how far you have come but also as a map, so you can see how much further you need to go. The path toward funding expenses such as a home, vacation or even the tuition for a new career becomes clearer and easier to manage. The tools within TotalView help you calculate your net worth, set budgets, view your spending habits and trends, and set up a debt payment plan.

TotalView: Initial Setup

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Tagging Transactions In order for our TotalView tools to work properly, make sure your transactions are correctly tagged. When all your accounts are linked to TotalView, your transactions are automatically tagged. Common tags include: travel, entertainment, health, home and utilities. If a transaction needs to be reassigned, you can manually edit the tag. Each tag has a corresponding icon assigned to it to help quickly identify a transaction’s financial tag. These icons are displayed next to each transaction in the Transactions page.

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Click the TotalView tab, then click the “View Transactions” link. 1. Click a transaction to edit the tag.

TotalView: Initial Setup

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2. Select a new tag. 3. (Optional) Check the box next to “Apply this tag and title to all similar transactions” to apply the tag to similar transactions. 4. Click the Save button.

TotalView: Initial Setup

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Splitting a Transaction TotalView offers the ability to split one transaction to represent multiple tags. For example, if a shopping trip needs to be split into multiple categories such as grocery, pharmacy and home supplies, you can review your receipt and split the total charge across multiple tags.

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Click the TotalView tab, then click the “View Transactions” link. 1. Click a transaction to split.

TotalView: Initial Setup

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2. Click the Use Split Tag button to split a transaction into multiple tags. 3. Select the tags. 4. Enter the amounts. 5. (Optional) After entering the first amount, click the “Autofill Remaining” link to automatically enter the remaining amount in the second tag. 6. Click the “Add Tag” link to add additional tags. 7. Click the Save button.

TotalView: Initial Setup

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TotalView TotalView Dashboard

There are several features within TotalView that are accessed through widgets or menu options on the TotalView dashboard. These features help you review your finances within TotalView.

Different widgets and menu options appear on the TotalView dashboard, which take you to interactive features to help you manage your finances. • Spending: See your spending habits in a visual chart. • Budgets : Track your monthly finances by adding targets to help you better manage your expenses. • Cashflow: The cash flow calendar displays your income and bills on an interactive calendar. • Net Worth : Total your assets and debts and view a bar graph to see how funds are allocated. • Accounts: View and manage all of the accounts linked to TotalView. • Transactions: Track your habits even further to see how you spend your money over time. • Goals: Add and track saving and spending goals.

TotalView: TotalView Dashboard

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TotalView Spending by Category

The spending tool helps you stay on top of your expenses and ensures transactions are properly organized. Your spending habits are organized into a pie chart on the TotalView dashboard for you to easily view your smallest and largest expenses. Seeing your expenses broken down allows you to choose where you can cut back, so funds can be used elsewhere.

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Click the TotalView tab. A. Click a time period tab to view your spending habits during a specific time. B. Click a section of the pie chart to view spending in a specific category. C. Total amount spent in a category is located in the center of the chart. D. Click the “View Analyzer” link to view your spending on a line graph.

TotalView: Spending by Category

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E. Adjust the time period by changing the dates or expanding and contracting the time period window. F. Click a category or the “View All” link to view all your spending habits or income as a list.

TotalView: Spending by Category

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TotalView Budget

A budget helps you manage your money based on how much you earn and spend. Our budget tool eliminates guesswork and helps you make an accurate budget quickly and efficiently. Before creating a budget, make sure your transactions are properly tagged.

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Click the TotalView tab, then click the “View Budgets” link. A. Click the Add Budget button to add a new budget. B. Click the Budget Alert button to add a new budget alert.

C. Your budgets appear as a bar chart to track your progress. A green bar indicates you are within budget, a yellow bar is near budget and a red bar is over budget. D. Click the buttons to view another month’s budget.

TotalView: Budget

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Adding Budgets Within the budget tool, you can add new budgets to help manage your spending.

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Click the TotalView tab, then click the “View Budgets” link. 1. Click the Add Budget button. 2. Check the boxes next to the tags you would like to include in the budget. 3. (Optional) Click the “Show More” link to show more tag options. 4. Click the Next button. 5. Enter a budget name. 6. Enter a monthly limit. 7. Click the Next button. 8. Check the box to “Create an alert for your budget” and click the Next button. 9. Choose the accounts to include. 10. Click the Finish button. 11. (Optional) Provide contact information for the alert.

TotalView: Budget

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Managing Budgets Within the budget tool, you can edit or delete an existing budget.

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Click the TotalView tab, then click the “View Budgets” link. 1. Click on a budget. 2. Click the “View Transactions” link to view transactions in this budget. 3. Click the Edit Budget button.

TotalView: Budget

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4. Make edits to your budget and click the Save button. 5. To delete a budget:

a. Click the “Delete” link. b. Click the “Delete” link.

TotalView: Budget

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Add a Budget Alert Create an alert for your budget.

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Click the TotalView tab, then click the “View Budgets” link. 1. Click the Budget Alert button. 2. (Optional) Click the “Contact Info” link to update your contact info for goal alerts. 3. Use the drop-down to select an alert type. 4. Fill out the alert options. 5. Check the box next to your chosen alert methods. 6. Click the Save button.

TotalView: Budget

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TotalView Cashflow Overview

The cash flow calendar displays your income and bills on an interactive calendar. C

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Click the TotalView tab, then click the “View Cashflow” link. A. Income and bills are displayed on the calender. B. Click the icon to add a bill or income.

C. Click the icon and select “Configure Accounts” to select which accounts contribute to your cashflow or select “Bills & Income” to view a list of your bills and income.

TotalView: Cashflow Overview

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Add a Bill or Income Add a bill or income to your cashflow.

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Click the TotalView tab, then click the “View Cashflow” link. 1. Click the icon to add a bill or income. 2. Enter a name. 3. Select “Bill” or “Income.” 4. Enter an amount. 5. Use the drop-down to select a frequency. 6. Use the calendar feature to select a start on date. 7. Click the Save button when you are finished.

TotalView: Cashflow Overview

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TotalView Net Worth

After your accounts are linked and tagged, you can view your net worth by subtracting your debts from your checking, savings and investment accounts. Your net worth is tracked each month, allowing you to monitor your financial progress.

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Click the TotalView tab, then click the “View Net Worth” link. A. Click the arrows to view additional years. B. Click the “Assets” or “Liabilities” links to view more details about your net worth. C. Click on a data point to view your net worth during a specific month. D. Click the Add Asset or Add Liability buttons, then click the Link Account button to add an asset or liability. Go to page 26 for more information about linking an account.

TotalView: Net Worth

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Add an Unlinked Asset or Debt

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Click the TotalView tab, then click the “View Net Worth” link. 1. Click the Link Account button. 2. Enter a name. 3. Enter an amount. 4. Click the Save button.

TotalView: Net Worth

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TotalView Goals

Our goals feature allows you to create financial goals for yourself, such as saving for a vacation or paying off a high-rate credit card. Your goal summary updates your completion date and the amount needed per month according to your preferences. Goals automatically update your progress and reflect your day-to day account balances in TotalView.

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Click the TotalView tab, then click the “View Goals” link. A. Click the Add Goal button to add a new goal. B. Click the Add Goal Alert button to add a new goal alert. C. Your goals appear as bar charts to track your progress. D. View your completed goals by clicking the Completed tab.

TotalView: Goals

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Adding Goals There are two types of goals to choose from: Save for Goals and Pay Off Goals. Save for Goals include saving for your next car or a child’s college fund. Pay Off Goals include paying off your credit card debt, short-term and long-term financial goals.

Save for Goals

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Click the TotalView tab, then click the “View Goals” link. 1. Click the Add Goal button. 2. Select a goal. 3. Enter a name for the goal. 4. Select an account using the drop-down. 5. Enter the amount you want to save. 6. Choose how you would like to complete your goal. a. Use the calendar feature to select a complete by date. b. Enter a monthly payment. 7. Check the box to create an alert for the goal. 8. Click the Save button.

TotalView: Goals

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Pay Off Goals

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Click the TotalView tab, then click the “View Goals” link. 1. Click the Add Goal button. 2. Select a goal. 3. Enter a name for the goal. 4. Select an account to pay off. 5. Choose how you would like to complete your goal. a. Use the calendar feature to select a complete by date. b. Enter a monthly payment. 6. Check the box to create an alert for the goal. 7. Click the Save button.

TotalView: Goals