Skagit Bank Personal Online Banking Resource Guide

Personal Online Banking Resource Guide

Genuine Lasting Relationships

Published by Murphy & Company, Inc. 13610 Barrett Office Dr. St. Louis, MO 63021 www.mcompany.com

© 2009-2016 Murphy & Company, Inc. Microsoft, Microsoft Money, Windows and Internet Explorer are registered trademarks of Microsoft Corporation. Firefox is a registered trademark of the Mozilla Foundation. Quicken is a registered trademark of Intuit, Inc. Macintosh is a registered trademark of Apple Computer, Inc. Adobe Reader are registered trademarks of Adobe Systems Incorporated in the United States and/or other countries. © 2012 Portions of this guide are written by Q2 eBanking. 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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Welcome

At Skagit Bank, we work hard to provide our customers with the financial tools they need to achieve the goals in life that matter. One of those important tools is Online Banking. Our Online Banking system is designed for ease of use. Whether you access it from your desktop, tablet or smart phone, it looks and functions the same across all devices. It is full of powerful features that make it easy to keep track of your finances. We invite you to take a moment to learn more about the convenience of Online Banking with Skagit Bank.

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Table of Contents

General Information Security.................................................................................................4 Logging in...........................................................................................8 Home.....................................................................................................9 Messages Messages...........................................................................................10 Transactions Account Details...............................................................................11 Funds Transfer..................................................................................12 Activity Center.................................................................................13 Statements........................................................................................14 Bill Pay Overview ...........................................................................................15 Create a Payee..................................................................................16 Make a Manual Payment..............................................................17 Search Bill Pay..................................................................................18 Edit or Cancel Pending Transactions......................................................................................19 Advanced Bill Pay Overview............................................................................................20 Navigation.........................................................................................21 Create a Payee..................................................................................22 Schedule Payments........................................................................23 Recurring Payments.......................................................................24 Edit or Cancel Payments...............................................................25 Rush Delivery....................................................................................26 Categories..........................................................................................27 View Bill History...............................................................................28 Services Transfer to another account........................................................29 Address Change..............................................................................30 Order Checks....................................................................................31 Debit Card Form..............................................................................32 Stop Payment...................................................................................33

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Settings Profile..................................................................................................34 Alerts...................................................................................................35 Security Alerts..................................................................................36 Account Preferences......................................................................37 Security Preferences......................................................................38 Statement Preferences..................................................................39 Mobile RDC Enrollment................................................................40 Mobile Deposits..............................................................................41 Text Enrollment...............................................................................42 Locations Branches and ATMs........................................................................43

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General Information

Security

By following our tips, Online Banking with Skagit Bank can be a safe and efficient method for handling your banking needs. For additional security tips, visit www.skagitbank.com. User Identification and Password Security starts at your computer. Never share your Login ID or password with anyone, and always keep your login information in a safe place. To make your passwords hard to guess, avoid using your pet’s name, hometown, or other personally identifiable choices and combine random numbers instead of using your birth date. Secure Sockets Layer Encryption We use Secure Sockets Layer (SSL) encryption, a trusted method of securing internet transactions. This technology scrambles data as it travels between your computer and Skagit Bank, making it difficult for anyone to access your account information. Secure Access Code You need a Secure Access Code to access your accounts when you log in to Online Banking with Skagit Bank for the first time or the first time from any new device. This code is delivered to you via email, phone call or SMS text message. You can opt to have your device registered so that you do not have to complete the Secure Access Code process the next time that you access our Online Banking system from that same device. If you delete the security certificate or “cookie” that recognizes your device as previously registered, you will need to request another Secure Access Code.

Online Banking Safety Tips: • Ensure your web browser, operating system, anti-virus software and other

applications are current and support 128-bit encryption. • Memorize your passwords and change them regularly. • Exit your Online Banking session when finished.

• Do not leave your computer unattended when logged in to Online Banking. • Do not access your Online Banking on public computers or unsecured Wifi networks. • If you receive an error when logged in to your account, report the error to a customer service representative at 800-246-4402.

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General Information

Security

Skagit Bank will never send unsolicited emails asking you to provide, update or verify personal or confidential information via return email. If you receive an alleged email inquiry from Skagit Bank, please report the incident to a customer service representative as quickly as possible. To reduce the risk of online fraud and identity theft, your first and best protection is awareness. Phishing Phising is an online scam tactic that lures users into unknowingly providing personal data such as credit card information or Login IDs and Passwords. By using realistic- looking emails and websites, this tactic attempts to gain the trust of unsuspecting targets and convinces them that vital information is being requested by vendor that they may already have relationship with, such as their financial institution. Identity Theft Identity theft can occur when criminals find a way to steal your personal or other identifying information and assume the use of that data to access your personal accounts, open new accounts, apply for credit, purchase merchandise and commit other crimes using your identity. It is important to be aware of the dangers of identity theft so that you can take the steps to avoid becoming a victim. Logging Off As a secure practice, you should log off of your Online Banking session before you close the browser window or anytime you walk away from your computer. Additionally, Skagit Bank will log you off automatically due to inactivity or when your Skagit Bank session reaches the maximum time limit. Fraud Prevention Tips: • Do not open email attachments or click on a link from unsolicited sources. • Avoid completed email forms or responding to messages that ask for personal or financial information. Do not trust an email asking you to use a link for verification of login or accounts details. • Monitor your account transactions for unauthorized use. • Shred old financial information, invoices, charge receipts, checks, unwanted pre-approved credit offers and expired charge cards before disposing of them. • Contact the sender by phone if you are suspicious of an email attachment.

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General Information

New Enrollment

1. Type www.skagitbank.com into the address bar on your browser and go to the Online Banking tab on the Home Page. Under New Users , click Sign Up and select Click Here to set up online access for personal accounts. 2. This opens the Online Banking new enrollment form screen. Enter all the required information. The details that your provide will be verified by comparing them to the current contact information in our system. When finished, click Submit Enrollment . If you need to update your contact information, please call us during our business hours at 800-246-4402. 3. A new browser window will open congratulating you for successfully enrolling in Online Banking. Make note of your temporary password because you will need it to log in to Online Banking with Skagit Bank and complete the enrollment process. You will receive an email when your enrollment into Online Banking has been approved. Click on the link provided to be redirected to the Home Page and click on the Online Banking Sign In box. 4. Enter your newly created Login ID and click Login . In the new screen, enter your temporary password and click Login . 5. You will be directed to a page where you will select the delivery method of your Secure Access Code. This page will display the contact information on file for your account. Select either the phone, text message or email option that will enable Skagit Bank to reach you immediately with your one-time Secure Access Code. If the contact information we have on file is inaccurate or out-of-date, you cannot proceed further. Please contact us at 800-246-4402 to update your contact information. 6. Review the Welcome First Time User screen, which presents a PDF link of the Online Banking Services Agreement. Click the link to view the agreement and read and acknowledge that you agree to the conditions by clicking I Accept . 7. An online profile screen will appear for your review. Complete or correct any fields as necessary and click Submit then OK to continue. 8. Now you can change your password. Use your temporary password as your old password. For your protection, you will need to create a password that meets the stated security criteria. Click Submit . When the pop-up window appears, click OK to confirm. 9. When you receive your eight-digit Secure Access Code, enter it on the access code screen and then click Submit . The single-use code is valid for only thirty minutes. If it expires before you are able to use it, you must request a new. If you happen to close the login screen and receive the code, follow the above steps again but instead select “I already have a Secure Access Code” . 10. Once your code is accepted, you will be asked if you would like to register your device. If you register your device, you will not have to request a new Secure Access Code when you use that device in the future. Select one of the options presented and Submit . 11. Congratulations! You are now logged in to Online Banking with Skagit Bank.

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General Information

Current Banking Users

1. Type www.skagitbank.com into the address bar on your browser, and go to the Online Banking Login box on the Home Page. Enter your current Login ID and click Login . If you have forgotten your Login ID, please contact us at 800-246-4402. 2. You will be directed to a page where you will select the delivery method of your Secure Access Code. This page will display the contact information on file for your account. Select either the phone, text message or email option that will enable Skagit Bank to reach you immediately with your one-time Secure Access Code, then click Submit . If the contact information we have on file is inaccurate or out-of-date, you cannot proceed further. Please contact us at 800-246-4402 to update your contact information. 3. When you receive your eight-digit Secure Access Code, enter it on the access code screen and then click Submit . The single-use code is valid for only thirty minutes. If it expires before you are able to use it, you must request a new secure access code. If you happen to close the login screen and receive the code, follow the above steps again but instead select “I already have a Secure Access Code” . 4. Once your code is accepted, you will be asked if you would like to register your device. If you register your device, you will not have to request a new Secure Access Code when you use that device in the future. 5. You will then be prompted to change your password. For your protection, you will need to create a password that meets the stated security criteria. When finished, click Submit . 6. A view-only online profile screen will appear for you to review. It will be grayed- out and you cannot make any changes at this point. At this time, note any contact information that you would like to change in the future. Once you have accessed Online Banking, you can use the Address Change screen to make corrections. Click Submit , then OK to continue. 7. You are now presented with a copy of the Online Banking Services Agreement. Read and acknowledge that you agree to the conditions by clicking I Accept . 8. Congratulations! You are now logged in to Online Banking with Skagit Bank.

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General Information

Logging in

Once you have enrolled as a new user, and logged into Online Banking at least once, follow these steps for subsequent logins.

1. From our website, click Online Banking Sign In . 2. On the next page, enter your Login ID and Password and click Log In . 3. If you don’t remember your password, simply click “ Forgot your Password?” and select where you would like to receive your Secure Access Code, and then follow the instructions to re-establish a password. Should I register my device? If this device is a “private” device where you have exclusive access, you may want to register your device to have it recognized for future logins to save time. We do not recommend registering a public device where other people could have access to the same computer like at a public library. Logging Off As a secure practice, you should log off your Online Banking session with Skagit Bank before you close out of Online Banking or anytime you walk away from your computer. Additionally, Skagit Bank Online Banking will log you off automatically due to inactivity or when your Online Banking session reaches the maximum time limit.

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General Information

Home

The Home Page will give you an overview of all of your accounts at Skagit Bank with available balances, all displayed conveniently in a comprehensive list. To View an Overview of Your Accounts:

1. For account transaction history, click the Account Name to view the Account Details screen. From here you can view transaction details by clicking the transaction. 2. Click the Edit button, and you will be directed to Account Preferences where you can modify the nicknames of accounts as well as the order in which they appear. To Print a quick summary of your current available funds in all your accounts, click the icon. 3. If you are in a hurry, there is an option for easy access tools in the top right corner. These Quick Action options allow you to swiftly transfer money.

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Messages

Messages

The Message Center allows you to communicate securely with your bank. Check here for your alerts, replies to your inquiries and bank communications. To View Messages:

Click on the Messages tab. 1. Messages are listed on the left side of the screen. Click the message that you would like to read and the entire message will appear on the right. 2. If you would like to delete a message, click the icon, or you can reply to a message by clicking the icon. Both icons are located in the upper right corner of your message. 3. Create a new message by selecting New Conversation . 4. Messages automatically expire after a certain period of time. A message can be saved indefinitely by clicking " This message should never expire " box.

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Transactions

Account Details

To View Account Details:

From your Home Page , click on an account for more information. 1. For account transaction history, click the account name to view the Account Details screen. You can view transaction details by clicking the transaction. 2. If you click on the description of a specific transaction, you will see more details of that transaction. You can then get more information, like the image of a check, by clicking a single element. 3. Click Ask about transaction to send a message to Skagit Bank. 4. If you choose to Show Filters , can to sort out particular transactions to view, export or print. Once you’ve made your selections, click Apply Filters . 5. Click the icon to Print your filtered transactions. 6. When working from your computer, you can also Export your filtered selection.

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Transactions

Funds Transfer

Online Banking enables you to quickly and easily transfer funds between your Skagit Bank accounts. To Transfer Funds:

In the Transactions tab, click on Funds Transfer . 1. Select the accounts that you wish to transfer funds From and To using the drop- down menus. 2. Enter the dollar Amount and Date to process the transaction and enter a memo if you want. 3. If you wish to setup a recurring transaction, click the check box “ Make this a recurring transaction .” New input fields will appear, and you will need to specify the Frequency and Date Range for this transaction. You can choose to make this transaction Repeat Forever by checking the box under Frequency . 4. When you finished entering all of the needed information, select Transfer Funds . 5. If successful, a screen with an overview of your transaction will appear. All funds transfers will appear in the Activity Center , whether immediate or future-dated. You can view them at this time or click Close and review at your convenience.

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

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Transactions

Activity Center

The Activity Center shows transaction activity initiated through Online Banking with Skagit Bank. Depending on the type of account and your accessibility, you can review, approve and cancel unprocessed transactions. You can view the status, type, amount, date of activity and amount of debits and credits from a single and recurring transactions. To View Online Transactions:

In the Transactions tab, click on Activity Center . 1. You can choose to view Single Transactions , Recurring Transactions , or Deposited Checks by clicking on the appropriate tab at the top. 2. Click on a transaction to view more details. 3. Click Show Filters for additional search options. 4. You can search transaction descriptions by typing a word or phrase in the text bar and clicking Search . 5. Select Actions to perform additional functions, such as to Copy a transaction, or choose Inquire to compose secure messages to Skagit Bank.

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Transactions

Statements

The Statements feature is a great virtual filing system, saving paper and space in your home or office by allowing you to view and store your statements electronically. To View Your Statements:

In the Transactions tab, click on Statements . 1. To verify that you are able to view a PDF on your computer or smart device, you will need to click the Get Code button. 2. A new screen containing your code will open. Type that code into the verification code field, then click Verify . 3. Using the drop-down menus, select the Account , Date and Document Type for your statement, then click Get Statement.

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Bill Pay

Overview

Online Bill Payment with Skagit Bank allows you to stay on top of your monthly finances with utmost ease and turnkey efficiency while accessing your accounts from a computer or smart device. Having your bills linked to your Skagit Bank account is a neat, hassle-free alternative to paying your bills because you can electronically write checks and send payments in one easy place. The first time that you click the Bill Payment tab, you will be asked to choose an account to use within Bill Pay and to accept the terms and conditions. When you log in to Online Banking from a mobile device, you will see the following List/Grid view. When you access Bill Pay from a computer, you will see the following List/Grid view or you may click on the Advanced Bill Pay Section seen on Page 20. New Bill Pay Features:

Grid View

List View

Getting Started with Advanced Bill Pay: Click on the Bill Payment tab to begin managing your bills online. From here you will see your payees, pending payments and bill history regarding your online account with Skagit Bank.

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Bill Pay

Create a Payee

The person or company to whom you are sending funds is known as the payee. A payee can be almost anyone you would normally send a written check to, like a utility company, a cable TV provider or even a relative. It may be convenient to set up a payee to receive payments on a regular basis. To Create a Payee:

In the Transactions tab, click on Bill Payment . 1. Click the Advanced drop-down and choose Add a Payee . 2. Fill out the required information regarding the payee, then click Save . 3. You will get a confirmation screen that your payee has now been created and added to your payee list.

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Bill Pay

Make a Manual Payment

Once you set up your payees, it’s easy to pay your bills quickly. When you click on the Bill Payment tab, you will see all of the existing payees you have established so far. To pay a bill, simply find your payee and fill out the payment information beside the name. To Make a Payment:

In the Transactions tab, click on Bill Payment . 1. Select a payee. 2. Click the account you would like to send the payment From . 3. Enter the Amount and the Delivery Method , click Save . 4. Choose the Date to complete the transaction. 5. After you verify the information, click Send Payment . 6. You will get a confirmation screen that your payment is scheduled, click Close .

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Bill Pay

Search Bill Pay

The Search Bill Pay option allows you to quickly pay bills by searching for payees by name, last payment date, schedule payments or status. To Search Your Bill Pay History:

In the Transactions tab, click on Bill Payment . 1. You can view Pending or Processed transactions on the right side panel. 2. You can find your previous payees in the Search bar in any view. 3. In List view, you can sort by headers. Simply click the arrow next to the desired category. 4. In Grid view, to see payment history for a specific payee, select See Payment History on the bottom of each box. 5. To access additional screens, click the Advanced drop-down, and then Visit Bill Pay Site .

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Bill Pay

Edit or Cancel Pending Transactions

You can see all Pending and Processed transactions listed on the right-hand panel.

To Cancel a Pending Transaction:

In the Transactions tab, click on Bill Payment . 1. You can view Pending transactions by selecting the appropriate button on the right-hand panel. 2. Click List to cancel a pending transactions. 3. You can see the scheduled pending payments marked in green under the Status header. 4. To edit payee information, like address or phone number, click the icon. 5. To cancel a pending payment, click the appropriate line item in the right-hand panel. 6. A new screen will appear. Click Cancel Payment . You should see a confirmation screen to show that this action is complete.

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Advanced Bill Pay

Overview

Bill Pay with Skagit Online Banking allows you to stay on top of your monthly finances with utmost ease and turnkey efficiency. Having your bills linked to your Skagit Bank account is a neat, hassle-free alternative to paying your bills because you can electronically write checks and send payments in one easy place.

The first time that you click the Bill Payment tab, you will be asked to choose an account to use within Bill Pay and to accept the terms and conditions.

In the Transactions tab, click on Bill Payment , then click the Advanced drop-down to access Visit Bill Pay site and begin managing your bills online. Here you will be able to view your payees, pending payments and bill history among other information regarding your online account with Skagit Bank.

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Advanced Bill Pay

Navigation

In the Transactions tab, click on Bill Payment . Click the Advanced drop-down to access the Visit Bill Pay site. 1. Click the Payments tab.

2. Pending transactions can be viewed in the right side panel under Pending . 3. The history of your transactions can be viewed in the right side panel under History 4. Click viewmore for additional details or by clicking View next to a specific transaction. 5. If you wish to filter your future payments, you can set up a Category . 6. Payees can be searched for in the Search bar. 7. Secure messages can be sent or viewed by clicking Messages .

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Advanced Bill Pay

Create a Payee

The person or company to whom you are sending funds is known as the payee. A payee can be almost any company or person you would normally send a written check to, such as a department store, a cable TV provider or even your relatives. It may also be convenient to set up a payee to receive payments on a regular basis.

In the Transactions tab, click on Bill Payment . Click the Advanced drop- down to access the Visit Bill Pay site. 1. Click on the Payments tab. 2. Click on the Add a Payee button. In the drop-down list, click the type of Payee that you would like to create. 3. A new window will pop up. Select whether the payee is a company, individual or a bank or credit union, and then click Next .

4. Fill out the required

information regarding the payee, and then click Next .

5. Enter the mailing

information for your payee, and then click Next . Your payee has now been created and added to your payee list.

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Advanced Bill Pay

Schedule Payments

Once you set up your payees, it’s easy to pay your bills. When you click on the Payments tab, you will see all of the payees you have established so far. To pay a bill, simply find your payee and fill out the payment information beside the name.

In the Transactions tab, click on Bill Payment . Click the Advanced drop-down to access the Visit Bill Pay site. 1. Click on the Payments tab. 2. You will see a list of payees and the most recent payment made to them, as well as a payment's future due dates. Use the Pay from drop-down to choose the account from which you would like bill paid. 3. In the Amount column, enter amount of payment that you wish to make. 4. Enter the desired Payment date in the next column; be sure to use the convenient Calendar feature. 5. You can choose to designate faster processing by clicking Rush Delivery in the Actions column, however standard fees may apply. 6. After you have carefully reviewed the payments, click Submit payments .

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Advanced Bill Pay

Recurring Payments

Our recurring payments feature keeps you ahead of your payments that need to be repeated. Setting up a recurring payment takes only a few moments and saves you time by not having to reenter a payment each time it is due. To Create Recurring Payments:

In the Transactions tab, click on Bill Payment . Click the Advanced drop-down to access the Visit Bill Pay site. 1. Click on the Payments tab. 2. Find the payee you wish to set up recurring payments for; click the Make it Recurring link. 3. A new window will pop up. Choose the Pay From account, along with the Amount , Frequency , Payment date and other payment preferences. 4. Click Submit after you confirm the details.

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Advanced Bill Pay

Edit or Cancel Payments

Even after you have set up a payment, you have the ability to edit or cancel it up until it is processed. This convenient feature gives you the freedom to change the way you make your payments. To Edit or Cancel a Payment:

In the Transactions tab, click on Bill Payment . Click the Advanced drop-down to access the Visit Bill Pay site. 1. Click on the Payments tab. 2. To edit or cancel a payment, click on the payee.

3. A new window will appear revealing the recent activity for said payee. Click the Edit link towards the bottom of the window or look in the Pending section on the right hand side of the screen and click Edit next to the appropriate payment. 4. Here you can change the settings of your payment, such as the account you are paying from, the amount or payment date. Once you are done editing the payment, click Submit . 5. If you wish to delete the payment, click the box next to I would like to stop this payment .

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Advanced Bill Pay

Rush Delivery

A Rush Delivery option is available for your Bill Payments. Our Fee Schedule outlines possible fees associated with an expedited transaction. To Rush Delivery for a Bill Payment:

In the Transactions tab, click on Bill Payment . Click the Advanced drop-down to access the Visit Bill Pay site. 1. To rush the delivery of a payment, simply click on the link that says Rush Delivery . 2. You will choose the amount to pay and use the drop-down to choose the account you would like to pay from. 3. You will see options for delivery dates with the appropriate charges. Select a date. 4. Click Next . 5. A payment summary with a Fee Debit Authorization will appear. If you wish to continue, click Accept and Submit .

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Advanced Bill Pay

Categories

You are able to assign and organize your payees into specific groups called Categories to ensure increased convenience when paying your bills. To Create Categories:

In the Transactions tab, click on Bill Payment . Click the Advanced drop-down to access the Visit Bill Pay site.

1. Click on the My Account tab. 2. Click the Add Category link. 3. A new window will pop up asking you to name your category, and when you are finished, click Submit . 4. You will see on the right-hand side of the screen that your category has been successfully added.

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Advanced Bill Pay

View Bill History

You can view and print bill history and details by entering the appropriate search criteria.

In the Transactions tab, click on Bill Payment tab. Click the Advanced drop-down to access the Visit Bill Pay site. 1. Click the Payments tab. 2. Click View More, which is located next to the History panel. 3. Narrow down your search by using the provided drop-down menus and options; click Search to see your results. 4. To print the search results for your records, click Print .

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Services

Transfer to another account

With the Transfer to another account feature, you can send money to any Skagit Bank Online Banking customer . You can also conveniently link to this account for deposit purposes only. To Send Money to a Skagit Bank Customer:

In the Services tab, click on Transfer to another account . 1. Choose whether you are making a Single Transfer or whether you would like to Link Account for future use, click Submit . 2. For a Single Transfer , use funds will be taken out of. If you wish to include a Description to go with your transfer, do so in the provided box. 3. Enter the information that is marked with an asterisk for the person you wish to receive the funds. 4. Click Submit . 5. If you would like to link the drop-down to choose the From Account where

this account for future use. Click Link Account at the first window and fill out the requested information, then click Submit .

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Services

Address Change

It is important to maintain current contact information on your Skagit Bank account.

To Change Your Address:

In the Services tab, click on Address Change . 1. Choose which Account this change will apply to. 2. Update your contact information. 3. Click Submit when finished.

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Services

Order Checks

With Online Banking, you can conveniently reorder checks online. To Order Checks:

In the Services tab, click on Check Reorder . 1. You will be redirected to our trusted vendor’s website to complete your order. 2. Enter the requested information and click Continue .

If you notice that you are missing checks, please contact us right away so that we can take precautions to safeguard against identity theft and fraud.

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Services

Debit Card Form

With Online Banking with Skagit Bank, you can order a debit card.

To Order for a Debit Card:

In the Services tab, click on Debit Card Form . 1. Enter all required information below. 2. When completed, click Submit.

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Services

Stop Payment

Using Online Banking with Skagit Bank, you can initiate a Stop Payment request from any device. You can review the status of your request in the Activity Center. The stop payment, once confirmed, will remain in effect for six months. Contact Skagit Bank Customer Service at 800-246-4402 for current fee information. To Initiate a Stop Payment Request:

In the Services tab, click on Stop Payment . 1. Choose Request Type , single or multiple checks. 2. Click on each category Number , Amount and choose the Date of the check. 3. Be sure to click Save when changes are made. 4. When completed, click Send Request . header on the left to select an Account , enter a Check

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Settings

Profile

It is important to maintain current contact information on your Online Banking Profile. To View and Update Your Profile:

In the Settings tab, click on Profile . 1. Update your contact information in the space provided. 2. Click Submit Profile to save.

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Settings

Alerts

You can create and manage alerts to remind you of important dates, warn you about the status of your accounts and when certain transactions occur. When you create an alert, you specify the conditions that trigger the alert as well as the delivery option to receive that alert. All alerts will automatically be sent to your Online Banking account via Secure Messages, regardless of the additional delivery preferences you have chosen. To Edit Alert Delivery Preferences: You can create specific Date, Account, History, Insufficient Funds, Transaction and Security Alerts and edit their delivery methods. Delivery methods include: • Secure Message within Online Banking • Email • Phone Call • SMS Text Message To Set Up New Alerts:

In the Settings tab, click on Alerts . 1. To create a new alert, click the New Alert drop-down. Choose the kind of alert that you wish to create from the drop-down. A new screen will appear where you can enter the necessary information. Be sure to click Save when finished. 2. To view the alerts for each category, click the category header. 3. You can easily toggle an alert On/Off without deleting the alert by toggling the Enabled button. 4. To view or change details of an already-existing alert, choose the Edit link on the right end of the alert you would like to edit. Be sure to click Save after you change any alert details.

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Settings

Security Alerts

Security Alerts allow you to enable specific alerts to keep you informed of changes to your account and Online Banking profile. Alerts can be delivered via Secure Message within Online Banking, email, SMS text message or phone call. To Edit Security Alerts and their Delivery Preferences:

In the Settings tab, click on Alerts , and then Security Alerts . 1. To activate or deactivate an alert, click the On/Off button that corresponds with the appropriate alert. 2. To edit delivery preferences, click the Edit Delivery Preferences link at the top. These changes will apply to all Security Alerts. 3. Enter the information for your preferred delivery method. 4. Click Save when finished. 5. If an alert is grayed-out, you are not able to edit or disable that alert.

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Settings

Account Preferences

In Account Preferences, you can select name and viewing preferences for your Online Banking and Text Banking accounts. To Set Up or Change Your Account Viewing Preferences:

In the Settings tab, click on Account Preferences 1. For Online , you can customize your account display names and choose the viewing order by entering a number in the box to the right side. 2. Toggle to the Text button for Text Banking preferences. To enroll in Text Banking, select Text Enrollment from the Settings menu. To view an account in Text Banking check Enabled . Customize up to a fourty eight character account nickname to display and choose the order preference for viewing. 3. When you are happy with your choices, click Submit.

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Settings

Security Preferences

In Security Preferences, you can change the different designations that help keep your account secure. To Set Up or Change Your Security Preferences: In the Settings tab, click on Security Preferences and choose a preference to edit.

Password When changing your password, be sure that you follow the guidelines for creating a strong password.

Login ID Be sure to create a login that you will remember, but is not too recognizable.

Secure Delivery Make sure that we have your correct email and phone number on file so you can receive Secure Access Codes when logging in from an unregistered device.

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Settings

Statement Delivery

In Statement Delivery, you can change how you would like to view your Monthly Statement for your accounts. Your choices include E-Statement or Paper Statement. Selecting E-Statement will allow you to view your Monthly Statement online in a PDF format. To Set Up or Change Your Deposit Statement Preferences:

In the Settings tab, click on Statement Delivery . 1. Use the drop-down to choose your Delivery Type . 2. To edit or add a delivery destination click the

icon at the end of the account

line. 3. To remove the email address or mailing address deselect the icon. Clicking the star changes which email address or mailing address is considered the primary contact. Email addresses or mailing addresses can be added by typing the information in the text bar and clicking Add . 4. When you have made all of the changes that you need overall, be sure to click Save .

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Settings

Mobile Deposit Enrollment

Once enrolled in Mobile Deposit, you can check balances, review account history and transfer funds from your Online Banking account using any device with a camera and internet capabilities. To Enroll in Mobile Deposit:

In the Settings tab, click on Mobile Deposit Enrollment . 1. Click the “ Terms and Conditions ” link and review the terms. 2. Click the check box indicating your acceptance of the terms. 3. Click Accept . You will see a confirmation screen if you have completed the form correctly. 4. Once your information is reviewed by the bank you will receive an Secure Message indicating that the mobile banking service is turned on. At this time, you can log in to the app on your smart phone and find the Deposit Check tab.

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Settings

Mobile Deposits

With our Mobile App on your Android or iOS device, you can deposit checks into your Online Banking with Skagit Bank account by simply snapping a photo of a paper check. To Deposit a Check via Your Smartphone:

This feature is only available when using our mobile app on your mobile device.

1. Choose the Account to where you wish to make a deposit. 2. Enter Check Number and Amount , then tap Capture Image . 3. Sign the back of your check then tap Capture Front for the front side of the check and Capture Back for the backside. 4. Verify that all four corners of the check are visible and all elements are legible then tap Submit Deposit .

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Settings

Text Enrollment

Once enrolled in Text Banking, you can check balances, review account history and transfer funds from your Online Banking account using any text enabled device. To Enroll in Text Banking:

In the Settings tab, click on Text Enrollment . 1. Toggle the Text Enrollment switch from OFF to ON . 2. Enter your SMS Text Number . 3. Read the terms and conditions and check the Agree to Terms box. Click Save to complete enrollment.

To enable your account to be viewed in Text Banking, visit Account Preferences and click enable.

Text Command Options to #226563 for the Following Information: BAL or BAL Request account balance HIST Request account history

XFER

Transfer funds between accounts

LIST

Receive a list of keywords

HELP

Receive a list of contact points for information on text banking

STOP

Stop all text messages to the mobile device (for text banking and SMS alerts/notifications)

START

Enable message send/receive for text banking

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Locations

Branches and ATMs

If you are looking for the nearest branch location or ATM, you can click on the appropriate button to locate Skagit Bank's branches and ATMs. Use the zoom tool on the left to see a wider span of locations or zoom in close to see more detailed information about specific locations.

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