Spencer Savings Bank Cash Management Guide

Cash Management Guide

Smarter cash management tailored to your business needs.

• User Roles • ACH Payments

• Wire Transfers + More

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

St. Louis, MO 63021 www.mcompany.com

© 2009-2021 Murphy & Company, Inc. Macintosh is a trademark of Apple Inc., registered in the U.S. and other countries. Android is a trademark of Google LLC. Adobe Reader is a registered trademark of Adobe Systems, Inc. © 2012 Portions of this guide were written by Q2 Software, Inc.

Disclaimer Concepts, strategies and procedures outlined in this guide can and do change and may not be applicable to all readers. The content in this guide is not warranted to offer a particular result or benefit. Neither the author, publisher nor any other party associated with this product shall be liable for any damages arising out of the use of this guide, including but not limited to loss of profit, commercial, special, incidental or other damages. For complete product and service information, please refer to the terms, conditions and disclosures for each product and service.

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Getting Started

Welcome to Business Online Banking with Spencer Savings Bank! Whether at home or at the office, from a mobile phone, tablet or laptop, we strive to make your Online Banking experience easy and convenient. By adding powerful commercial products and features, Spencer Savings Bank provides you with the complex tools your business needs to achieve its goals. Although our Business Online Banking shares similar features with our personal accounts, this guide is meant to help you through only business features. 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 Online Banking process. If you have additional questions, contact us at 800.363.8115.

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Table of Contents Getting Started

Business Online Banking Overview.............................................................................9 Users........................................................................................................................................ 9 Recipients................................................................................................................................ 9 Business Online Banking Transaction Types . .................................................................. 10 Logging Off............................................................................................................................ 11 Resetting a Forgotten Password................................................................................12 Home Page Home Page Overview..................................................................................................14 Asset Summary Overview. .................................................................................................. 16 Mobile Quicklinks........................................................................................................17 Account Details Overview...........................................................................................18 Quick Transfer. ............................................................................................................20 Account Nickname. .....................................................................................................21 Account Grouping. ......................................................................................................22 Editing a Group Name. ........................................................................................................ 23 Deleting a Group. ................................................................................................................. 23 Security Protecting Your Information......................................................................................24 General Guidelines............................................................................................................... 24 Login ID and Password........................................................................................................ 24 Fraud Prevention.................................................................................................................. 24 Security Preferences...................................................................................................25 Change Password................................................................................................................. 25 Change Login ID. .................................................................................................................. 26 Secure Delivery..................................................................................................................... 27 Mobile Security Preferences......................................................................................28 Enabling Touch ID or Fingerprint Login............................................................................. 28 Enabling Passcode Authentication..................................................................................... 30 Enabling Face ID. .................................................................................................................. 31 Disabling Passcode Authentication, Touch ID, Fingerprint or Facial ID Login. ............. 32 Apple® Watch..............................................................................................................33 Apple® Watch Setup............................................................................................................ 33 Viewing Balances and Transactions................................................................................... 33 Alerts Overview............................................................................................................34 Account Alerts....................................................................................................................... 35 History Alerts. ....................................................................................................................... 36 Online Transaction Alerts.................................................................................................... 37 Reminders............................................................................................................................. 38

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Security Alerts Overview.............................................................................................39 Editing Delivery Preferences............................................................................................... 39 Enabling and Disabling Push Notifications. .............................................................40 Secure Message Overview. ........................................................................................41 Sending a Secure Message.........................................................................................42 Transactions Funds Transfer.............................................................................................................43 Online Activity Overview.............................................................................................45 Using Filters........................................................................................................................... 46 Creating or Deleting Custom Views Using Favorites........................................................ 46 Editing Transactions............................................................................................................. 47 Canceling Transactions........................................................................................................ 48 Services Stop Payment Request. ..............................................................................................49 Check Reorder. ............................................................................................................50 Quick Balance. .............................................................................................................52 To Enable Quick Balance..................................................................................................... 52 To Use Quick Balance. ......................................................................................................... 53 Settings Account Preferences...................................................................................................54 Text Enrollment...........................................................................................................55 Accessibility..................................................................................................................57 Locations Branches and ATMs. ...................................................................................................58 Commercial Users Overview............................................................................................................59 User Management Overview. ............................................................................................. 60 Adding a New User .............................................................................................................. 61 Part 1 of 5: Establishing Transaction Type Rights............................................................. 62 Part 2 of 5: Disabling a Transaction Type.......................................................................... 63 Part 3 of 5: Editing Approval Limits for a Transaction Type............................................ 64 Part 4 of 5: Establishing Rights to Access Features.......................................................... 65 Part 5 of 5: Establishing Rights to Access Accounts. ........................................................ 66 Editing an Existing User’s Rights................................................................................67 Deleting a User. ...........................................................................................................68 Recipient Overview......................................................................................................69 ACH Only- Part 1 of 2: Adding a Recipient......................................................................... 70 ACH Only- Part 2 of 2: Recipient Account Detail............................................................... 71

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ACH & Wire- Part 1 of 4: Adding a Recipient..................................................................... 72 ACH & Wire- Part 2 of 4: Beneficiary Bank Detail............................................................. 73 ACH & Wire- Part 3 of 4: Intermediary Bank Detail.......................................................... 74 ACH & Wire- Part 4 of 4: Recipient Account Detail........................................................... 75 Wires Only (Domestic) - Part 1 of 4: Adding a Recipient.................................................. 76 Wires Only (Domestic)- Part 2 of 4: Beneficiary Bank Detail........................................... 77 Wires Only (Domestic)- Part 3 of 4: Intermediary Bank Detail........................................ 78 Wires Only (Domestic)- Part 4 of 4: Recipient Account Detail......................................... 79 Wires Only (International)- Part 1 of 4: Adding a Recipient............................................. 80 Wires Only (International)- Part 2 of 4: Beneficiary Bank Detail..................................... 81 Wires Only (International)- Part 3 of 4: Intermediary Bank Detail.................................. 82 Wires Only (International)- Part 4 of 4: Recipient Account Detail................................... 83 Editing a Recipient.......................................................................................................84 Editing a Recipient’s Templates.......................................................................................... 85 Deleting a Recipient. ...................................................................................................86 Payment Template Overview.....................................................................................87 Creating a Template....................................................................................................88 ACH Batch.............................................................................................................................. 89 ACH Payment........................................................................................................................ 91 ACH Collection...................................................................................................................... 93 ACH Receipt........................................................................................................................... 95 Domestic Wire. ..................................................................................................................... 97 International Wire. ............................................................................................................... 99 Sending a Single Payment....................................................................................... 101 ACH Batch........................................................................................................................... 101 ACH Payment..................................................................................................................... 104 ACH Collection................................................................................................................... 106 ACH Receipt........................................................................................................................ 109 Domestic Wire. .................................................................................................................. 111 International Wire. ............................................................................................................ 113 Payment From File. .................................................................................................. 115 Importing a CSV file........................................................................................................... 115 Importing a NACHA file..................................................................................................... 117 Viewing, Approving or Canceling a Transaction. .................................................. 119 Transaction Approvals Widget......................................................................................... 119 Single Transaction............................................................................................................. 120 Multiple Transactions. ...................................................................................................... 121 Editing or Using a Template.................................................................................... 122 Deleting a Template................................................................................................. 123 Wire Activity Report.................................................................................................. 124 ACH Pass-Thru.......................................................................................................... 125 Mobile Authorizations. ............................................................................................ 126

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Business Bill Pay Home Page Overview............................................................................................... 128 Add a Payee............................................................................................................... 130 Company. ........................................................................................................................... 130 Individual Electronic Payments: Allowing an Individual to Provide Their Banking Information........................................................................................................................ 132 Individual Electronic Payments: If You Have an Individual’s Account Information... 134 Individual Check Payments.............................................................................................. 136 Activate a Payee................................................................................................................. 138 Import Payees........................................................................................................... 139 Edit a Payee............................................................................................................... 142 Delete a Payee.......................................................................................................... 143 Add and Manage Categories................................................................................... 144 Single Payment......................................................................................................... 145 Edit or Stop a Single Payment................................................................................. 146 Create a Recurring Payment................................................................................... 147 Edit or Stop a Recurring Payment.......................................................................... 149 Payment Approval.................................................................................................... 151 Add a Transfer Account........................................................................................... 152 Delete or Edit a Transfer Account. ......................................................................... 153 One-Time Transfer................................................................................................... 154 Edit or Stop a Single Transfer. ................................................................................ 155 Recurring Transfers.................................................................................................. 156 Edit or Stop a Recurring Transfer........................................................................... 157 Transfer Approval..................................................................................................... 159 Calendar. ................................................................................................................... 160 Company Profile....................................................................................................... 161 Delete or Edit Bill Pay Accounts.............................................................................. 162 Modify User Permissions......................................................................................... 163 Personal Profile. ....................................................................................................... 164 e-Notifications........................................................................................................... 165 Events. ................................................................................................................................ 165 Logout................................................................................................................................. 166 Recurring............................................................................................................................ 167 Reminders.......................................................................................................................... 168 Reports. ..................................................................................................................... 169 Positive Pay Introduction. ............................................................................................................. 170 Add a Check Confirmation. ..................................................................................... 171 Managing Exceptions............................................................................................... 172

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Advanced Positive Pay Introduction. ............................................................................................................. 174 To Upload an Issued Check File.............................................................................. 175 Manually Enter a Check........................................................................................... 176 Void a Check.............................................................................................................. 177 Managing Exceptions............................................................................................... 178 Outstanding Issued Checks..................................................................................... 180 Issued Check File Processing Log........................................................................... 181 ACH Reporting. ......................................................................................................... 182 Account Reconciliation. ........................................................................................... 183 ACH Returns/NOC Report. ...................................................................................... 184 User Setup................................................................................................................. 185 ACH Authorization Rules Setup.............................................................................. 188

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Getting Started

Business Online Banking Overview Whether you’re an enterprise, large corporation or small organization, our flexible Business Online Banking can efficiently serve you. Depending on your size, the first steps in banking online are setting up your users and recipients. After setting up these key entities, you can jump right in and experience our state-of-the-art If your business only needs one person with access to Business Online Banking, you can set up a single login ID and password. This is typical for small companies who primarily use basic Online Banking tools with occasional business transactions. For larger organizations, our system lets you establish multiple login IDs and passwords for authorized employees. After setting up a company policy with a Spencer Savings Bank representative, you can organize which employees get access to different features within Business Online Banking by establishing user roles. Recipients Recipients are people or businesses to whom you send money using a payment feature offered through Business Online Banking. After creating a profile for each recipient, you can choose the method to send them money and the respective transaction details. Each created recipient is saved so you can quickly and easily make future payments. system! Users

Getting Started: Business Online Banking Overview

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Various types of payment methods are offered through Business Online Banking, including wire and ACH transfers. Though they are both quick electronic payments, wires are the fastest way to transfer money between accounts. ACH transactions are done using a batch process, and funds are generally not available until the next business day. Please call us at 800.363.8115 for a full list of wire and ACH fees or if you have any questions.

Business Online Banking Transaction Types

Type

Description

Upload a NACHA-formatted file.

ACH Pass-Thru

ACH Payment

Send a payment to one recipient.

ACH Batch

Send a payment to several recipients.

ACH Receipt

Receive a payment from one recipient.

ACH Collection

Receive a payment from several recipients.

Domestic Wire

Send a wire to a recipient within the US.

Send a wire to a recipient in a different country.

International Wire

Getting Started: Business Online Banking Overview

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Getting Started

Logging In After your first-time enrollment, logging in is easy and only requires your login ID and password. If you are logging in on a device that you have not previously registered, you need to request an SAC.

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1. Click the “Cash Management” link. 2. Enter your login ID and password. 3. Click the Log In button. 10 11 12 13 14 15 16 17 18 19 20 21 22 23 24 25 26 27 28 29 30 1 2 3 4 5 6 7 8 9 10a 1a 2a 3a 4a 5a 6a 7a 8a 9a 10b 1b 2b 3b 4b 5b 6b 7b 8b 9b 10c 1c 2c 3c 4c 5c 6c 7c 8c 9c 10d 1d 2d 3d 4d 5d 6d 7d 8d 9d J K L M N O P Q R S T U V W X Y Z A B C D E F G H I

Note : If you enter an incorrect password too many times, your account will be temporarily locked. Call us at 800.363.8115 for assistance.

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Logging Off For your security, you should always log off when you finish your Online Banking A1 B1 C1 D1 E1 F1 G1 H1 I1 J2 A2 B2 C2 D2 E2 F2 G2 H2 I2 J1

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session. We may also log you off due to inactivity. 1. Click the Log Off tab in the navigation menu. 2. Close your internet browser. A3 B3 C3 D3 E3 F3 G3 H3 I3

Getting Started: Business Online Banking Overview

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Getting Started Resetting a Forgotten Password

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

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

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Getting Started: Resetting a Forgotten Password

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10 11 12 13 14 15 16 17 18 19 20 21 22 23 24 25 26 27 28 29 30 1 2 3 4 5 6 7 8 9 J K L M N O P Q R S T U V W X Y Z A B C D E F G H I 10a 1a 2a 3a 4a 5a 6a 7a 8a 9a 10b 1b 2b 3b 4b 5b 6b 7b 8b 9b 10c 1c 2c 3c 4c 5c 6c 7c 8c 9c 10d 11a 12a 13a 14a 15a 16a 17a 18a 19a 20a 11b 12b 13b 14b 15b 16b 17b 18b 19b 20b 1d 2d 3d 4d 5d 6d 7d 8d 9d J K L M N O P Q R S T U V W X Y Z A B C D E F G H I 10a 1a 2a 3a 4a 5a 6a 7a 8a 9a 10b 1b 2b 3b 4b 5b 6b 7b 8b 9b 10c 1c 2c 3c 4c 5c 6c 7c 8c 9c 10d 1d 2d 3d 4d 5d 6d 7d 8d 9d J1 A1 B1 C1 D1 E1 F1 G1 H1 I1 J2 A2 B2 C2 D2 E2 F2 G2 H2 I2 J3 10 11 12 13 14 15 16 17 18 19 20 21 22 23 24 25 26 27 28 29 30 1 2 3 4 5 6 7 8 9 10 11 12 13 14 15 16 17 18 19 20 21 22 23 24 25 26 27 28 29 30 1 2 3 4 5 6 7 8 9

3. Choose the contact method that allows Spencer Savings Bank to reach you immediately with a six-digit SAC. 4. Enter the SAC and click the Submit button. 5. Create a new password based on our password requirements, and click the Submit button when you are finished. J K L M N O P Q R S T U V W X Y Z A B C D E F G H I A3 B3 C3 D3 E3 F3 G3 H3 I3 A1 B1 C1 D1 E1 F1 G1 H1 I1 1a 2a 3a 4a 5a 6a 7a 8a 9a 10b 1b 2b 3b 4b 5b 6b 7b 8b 9b 10c 1c 2c 3c 4c 5c 6c 7c 8c 9c 10d 1d 2d 3d 4d 5d 6d 7d 8d 9d A2 B2 C2 D2 E2 F2 G2 H2 I2 A3 B3 C3 D3 E3 F3 G3 H3 I3 0a

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Getting Started: Resetting a Forgotten Password

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Home Page

Home Page Overview After logging in, you are taken directly to the Home page. This page is divided into three convenient sections to help you navigate to every feature within Online Banking. Here you can view the balances in both your linked and Spencer Savings Bank accounts, see your account summaries and more! 10 11 12 13 14 15 16 17 18 19 20 21 22 23 24 25 26 27 28 29 30 1 2 3 4 5 6 7 8 9 10 11 12 13 14 15 16 17 18 19 20 21 22 23 24 25 26 27 28 29 30 1 2 3 4 5 6 7 8 9 10 11 12 13 14 15 16 17 18 19 20 21 22 23 24 25 26 27 28 29 30 1 2 3 4 5 6 7 8 9 10 11 12 13 14 15 16 17 18 19 20 21 22 23 24 25 26 27 28 29 30 1 2 3 4 5 6 7 8 9 J K L M N O P Q R S T U V W X Y Z A B C D E F G H I 10 11 12 13 14 15 16 17 18 19 20 21 22 23 24 25 26 27 28 29 30 1 2 3 4 5 6 7 8 9 J K L M N O P Q R S T U V W X Y Z A B C D E F G H I 10a 1a 2a 3a 4a 5a 6a 7a 8a 9a 10b 1b 2b 3b 4b 5b 6b 7b 8b 9b 10c 1c 2c 3c 4c 5c 6c 7c 8c 9c 10d 1d 2d 3d 4d 5d 6d 7d 8d 9d 1d 2d 3d 4d 5d 6d 7d 8d 9d A1 B1 C1 D1 E1 F1 G1 H1 I1 10a 1a 2a 3a 4a 5a 6a 7a 8a 9a 10b 1b 2b 3b 4b 5b 6b 7b 8b 9b 10c 1c 2c 3c 4c 5c 6c 7c 8c 9c 10d 11a 12a 13a 14a 15a 16a 17a 18a 19a 20a 11b 12b 13b 14b 15b 16b 17b 18b 19b 20b 1d 2d 3d 4d 5d 6d 7d 8d 9d J K L M N O P Q R S T U V W X Y Z A B C D E F G H I 10 11 12 13 14 15 16 17 18 19 20 21 22 23 24 25 26 27 28 29 30 1 2 3 4 5 6 7 8 9 J K L M N O P Q R S T U V W X Y Z A B C D E F G H I 10a 1a 2a 3a 4a 5a 6a 7a 8a 9a 10b 1b 2b 3b 4b 5b 6b 7b 8b 9b 10c 1c 2c 3c 4c 5c 6c 7c 8c 9c 10d J K L M N O P Q R S T U V W X Y Z A B C D E F G H I 10 1a 2a 3a 4a 5a 6a 7a 8a 9a 10 1b 2b 3b 4b 5b 6b 7b 8b 9b 10 1c 2c 3c 4c 5c 6c 7c 8c 9c 10 1d 2d 3d 4d 5d 6d 7d 8d 9d 11a 12a 13a 14a 15a 16a 17a 18a 19a 20a 11b 12b 13b 14b 15b 16b 17b 18b 19b 20b J1 10 11 12 13 14 15 16 17 18 19 20 21 22 23 24 25 26 27 28 29 30 1 2 3 4 5 6 7 8 9 10a 1a 2a 3a 4a 5a 6a 7a 8a 9a 10b 1b 2b 3b 4b 5b 6b 7b 8b 9b 10c 1c 2c 3c 4c 5c 6c 7c 8c 9c 10d 1d 2d 3d 4d 5d 6d 7d 8d 9d J K L M N O P Q R S T U V W X Y Z A B C D E F G H I 11a 12a 13a 14a 15a 16a 17a 18a 19a 20a 10a 1a 2a 3a 4a 5a 6a 7a 8a 9a 10b 1b 2b 3b 4b 5b 6b 7b 8b 9b 10c 1c 2c 3c 4c 5c 6c 7c 8c 9c 10d 1d 2d 3d 4d 5d 6d 7d 8d 9d 11a 12a 13a 14a 15a 16a 17a 18a 19a 20a

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Note : The letters correspond to several available features on the Home page. J1 A1 B1 C1 D1 E1 F1 G1 H1 I1 A2 B2 C2 D2 E2 F2 G2 H2 I2 J2

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Home Page: Home Page Overview

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A. The navigation bar appears in every view on the left side of the screen. You can navigate to Online Banking features by selecting the appropriate drop-down tab. B. Your Spencer Savings Bank accounts and linked external accounts are displayed in an account card with its balance. C. If you click an account name, you are taken to the Account Details page. You can also click the icon on the right side of an account card, and select View Activity for more details. D. The icon allows you to print a summary of current available funds in your accounts. E. You can expand or collapse account details by clicking the icon. F. If you click and hold an account card, you can drag and drop it to a new location to change the order your accounts appear. G. The Quick Actions links in the top right corner let you quickly access different Online Banking features.

Home Page: Home Page Overview

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Asset Summary Overview If you ever need to quickly assess how much money is in all of your accounts, you can scroll down to the Asset Summary graphic on the Home page. This interactive chart represents your total assets, represented by specific colors and percentages. 10 11 12 13 14 15 16 17 18 19 20 21 22 23 24 25 26 27 28 29 30 1 2 3 4 5 6 7 8 9 J K L M N O P Q R S T U V W X Y Z A B C D E F G H I 10a 1a 2a 3a 4a 5a 6a 7a 8a 9a 10b 1b 2b 3b 4b 5b 6b 7b 8b 9b 10c 1c 2c 3c 4c 5c 6c 7c 8c 9c 10d 1d 2d 3d 4d 5d 6d 7d 8d 9d J1 A. The Total Assets widget gives you the total amount of money in your accounts and breaks down those funds into percentages. B. Each colored piece represents one of your Spencer Savings Bank or linked accounts and displays its percentage of total funds and its balance. C. Clicking "Next" or "Previous" lets you view different accounts and details. D. You can click the "View Transactions" link for more information. 10 1a 2a 3a 4a 5a 6a 7a 8a 9a 10 1b 2b 3b 4b 5b 6b 7 8b 9b 10 1c 2c 3c 4c 5c 6c 7c 8c 9c 10d 11a 12a 13a 14a 15a 6 7a 18a 19a 20a 1d 2d 3d 4d 5d 6d 7d 8d 9d 11a 12a 13a 14a 15a 16a 17a 18a 19a 20a 11b 12b 13b 14b 15b 16b 17b 18b 19b 20b 1d 2d 3d 4d 5d 6d 7d 8d 9d A1 B1 C1 D1 E1 F1 G1 H1 I1 J2 A2 B2 C2 D2 E2 F2 G2 H2 I2 J3 A3 B3 C3 D3 E3 F3 G3 H3 I3 10a 1a 2a 3a 4a 5a 6a 7a 8a 9a 10b 1b 2b 3b 4b 5b 6b 7b 8b 9b 10c 1c 2c 3c 4c 5c 6c 7c 8c 9c 10d 11a 12a 13a 14a 15a 16a 17a 18a 19a 20a 11b 12b 13b 14b 15b 16b 17b 18b 19b 20b 1d 2d 3d 4d 5d 6d 7d 8d 9d J1 A1 B1 C1 D1 E1 F1 G1 H1 I1 10 11 12 13 14 15 16 17 8 9 20 21 22 23 24 25 26 27 8 9 30 1 2 3 4 5 6 7 8 9 J K L M N O P Q R S T U V W X Y Z A B C D E F G H I 10a 1a 2a 3a 4a 5a 6a 7a 8a 9a 10b 1b 2b 3b 4b 5b 6b 7b 8b 9b 10c 1c 2c 3c 4c 5c 6c 7c 8c 9c 10d 10 11 12 13 14 15 16 17 18 19 20 21 22 23 24 25 26 27 28 29 30 1 2 3 4 5 6 7 8 9 J K L M N O P Q R S T U V W X Y Z A B C D E F G H I 11a 12a 13a 14a 15a 16a 17a 18a 19a 20a 10 11 12 13 14 15 16 17 18 19 20 21 22 23 24 25 26 27 28 29 30 1 2 3 4 5 6 7 8 9 J K L M N O P Q R S T U V W X Y Z A B C D E F G H I

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Home Page: Home Page Overview

Do you offer mobile quicklinks? If so can you provide screenshots.

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Home Page

Mobile Quicklinks

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

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

A. Transfer funds between previously linked Spencer Savings Bank accounts or external accounts using the Funds Transfer Quicklink . B. Use the Deposit a Check Quicklink to enroll in Mobile Deposit and quickly deposit checks. C. Enroll in People Pay to send money to friends or family in seconds. D. Find Spencer Savings Bank Branches or ATMs near you using Locations . E. Quickly view transactions and Mobile Deposits in the Activity Center . Note : Customers with access to Mobile Deposit will not have access to the Activity Center Quicklink. Customers who do not qualify for our Mobile Deposit Service will not have access to the Mobile Deposit Quicklink. 10a 1a 2a 3a 4a 5a 6a 7a 8a 9a 10b 1b 2b 3b 4b 5b 6b 7b 8b 9b 10c 1c 2c 3c 4c 5c 6c 7c 8c 9c 10d 11a 12a 13a 14a 15a 16a 17a 18a 19a 20a 11b 12b 13b 14b 15b 16b 17b 18b 19b 20b 1d 2d 3d 4d 5d 6d 7d 8d 9d J K L M N O P Q R S T U V W X Y Z A B C D E F G H I J1 A1 B1 C1 D1 E1 F1 G1 H1 I1 J2 A2 B2 C2 D2 E2 F2 G2 H2 I2 J3 A3 B3 C3 D3 E3 F3 G3 H3 I3 10a 1a 2a 3a 4a 5a 6a 7a 8a 9a 10b 1b 2b 3b 4b 5b 6b 7b 8b 9b 10c 1c 2c 3c 4c 5c 6c 7c 8c 9c 10d 1 a 12a 13a 14a 15a 16a 17a 18a 19a 20a 1 b 12b 13b 14b 15b 16b 17b 18b 19b 20b 1d 2d 3d 4d 5d 6d 7d 8d 9d J K L M N O P Q R S T U V W X Y Z A B C D E F G H I J1 A1 B1 C1 D1 E1 F1 G1 H1 I1 J2 A2 B2 C2 D2 E2 F2 G2 H2 I2 J3 A3 B3 C3 D3 E3 F3 G3 H3 I3 10a 1a 2a 3a 4a 5a 6a 7a 8a 9a 10b 1b 2b 3b 4b 5b 6b 7b 8b 9b 10c 1c 2c 3c 4c 5c 6c 7c 8c 9c 10d 1 a 12a 13a 14a 15a 16a 17a 18a 19a 20a 1 b 12b 13b 14b 15b 16b 17b 18b 19b 20b 1d 2d 3d 4d 5d 6d 7d 8d 9d J K L M N O P Q R S T U V W X Y Z A B C D E F G H I J1 A1 B1 C1 D1 E1 F1 G1 H I1 J2 A2 B2 C2 D2 E2 F2 G2 H I2 J3 A3 B3 C3 D3 E3 F3 G3 H I3 10a 1a 2a 3a 4a 5a 6a 7a 8a 9a 10b 1b 2b 3b 4b 5b 6b 7b 8b 9b 10c 1c 2c 3c 4c 5c 6c 7c 8c 9c 10d 1 a 12a 13a 14a 15a 16a 17a 18a 19a 20a 1 b 12b 13b 14b 15b 16b 17b 18b 19b 20b 1d 2d 3d 4d 5d 6d 7d 8d 9d J K L M N O P Q R S T U V W X Y Z A B C D E F G H I J1 A1 B1 C1 D1 E1 F1 G1 H I1 J2 2 B2 C2 D2 E2 F2 G2 H I2 J3 A3 B3 C3 D3 E3 F3 G3 H3 I3

1d 2d 3d 4d 5d 6d 7d 8d 9

11a 12a 13a 14a 15a 16a 17a 18a 19

11b 12b 13b 14b 15b 16b 17b 18b 19

A1 B1 C1 D1 E1 F1 G1 H1 I A2 B2 C2 D2 E2 F2 G2 H2 I2 A3 B3 C3 D3 E3 F3 G3 H3 I3

Home Page: Mobile Quicklinks

18

Home Page Account Details Overview

Selecting a Spencer Savings Bank account on the Home page takes you to the Account Details page, where you can view every transaction pertaining to that account. From here, you can view details such as type of transaction, check images and account balances, so you stay organized and on top of your finances. 10 11 12 13 14 15 16 17 18 19 20 21 22 23 24 25 26 27 28 29 30 1 2 3 4 5 6 7 8 9

10a 1a 2a 3a 4a 5a 6a 7a 8a 9a 10b 1b 2b 3b 4b 5b 6b 7b 8b 9b 10c 1c 2c 3c 4c 5c 6c 7c 8c 9c 10d 1d 2d 3d 4d 5d 6d 7d 8d 9d J K L M N O P Q R S T U V W X Y Z A B C D E F G H I 11b 12b 13b 14b 15b 16b 17b 18b 19b 20b 10 11 12 13 14 15 16 17 18 19 20 21 22 23 24 25 26 27 28 29 30 1 2 3 4 5 6 7 8 9 J K L M N O P Q R S T U V W X Y Z A B C D E F G H I A1 B1 C1 D1 E1 F1 G1 H1 I1 J2 A2 B2 C2 D2 E2 F2 G2 H2 I2 J3 A3 B3 C3 D3 E3 F3 G3 H3 I3 10a 1a 2a 3a 4a 5a 6a 7a 8a 9a 10b 1b 2b 3b 4b 5b 6b 7b 8b 9b 10c 1c 2c 3c 4c 5c 6c 7c 8c 9c 10d 1d 2d 3d 4d 5d 6d 7d 8d 9d 11a 12a 13a 14a 15a 16a 17a 18a 19a 20a

1 11 12 13 14 15 16 17 18 19 2 21 22 23 24 25 26 27 28 29 3 1 2 3 4 5 6 7 8 9 K L M N O P Q R S U V W X Y Z A B C D E F G H I 1 12 13 14 15 16 17 18 19 21 2 23 24 25 26 27 28 29 1 2 3 4 5 6 7 8 9 K L M N O P Q R S U V W X Y Z A B C D E F G H I 12 13 14 15 16 17 18 19 21 23 24 25 26 27 28 29 2 3 4 5 6 7 8 9 1a 2a 3a 4a 5a 6a 7a 8a 9a 1b 2b 3b 4b 5b 6b 7b 8b 9b 1c 2c 3c 4c 5c 6c 7c 8c 9c K L M P R S V X Y Z A B C E F I 2 6 7 8 9 1 2 3 4 5 6 7 8 M N O Q W X D G H 1 1 12 13 14 15 16 17 18 19 2 21 2 23 24 25 26 27 28 29 3 1 2 3 4 5 6 7 8 9 1 1a 2a 3a 4a 5a 6a 7a 8a 9a 1 1b 2b 3b 4b 5b 6b 7b 8b 9b 1 1c 2c 3c 4c 5c 6c 7c 8c 9c 1 1d 2d 3d 4d 5d 6d 7d 8d 9d K L P R S U V X Y Z A B C E F I 1 12 13 14 15 16 17 18 19 21 2 23 24 25 26 27 28 29 1 1a 2a 3a 4a 5a 6a 7a 8a 9a 1b 2b 3b 4b 5b 6b 7b 8b 9b 1c 2c 3c 4c 5c 6c 7c 8c 9c 1d 2d 3d 4d 5d 6d 7d 8d 9d L N O Q S W Y Z D E F G H I 1 1a 2a 3a 4a 5a 6a 7a 8a 9a 1 1b 2b 3b 4b 5b 6b 7b 8b 9b 1 1c 2c 3c 4c 5c 6c 7c 8c 9c 1 1d 2d 3d 4d 5d 6d 7d 8d 9d 1a 2a 3a 4a 5a 6a 7a 8a 9a 1b 2b 3b 4b 5b 6b 7b 8b 9b 1c 2c 3c 4c 5c 6c 7c 8c 9c 11a 12a 13a 14a 15a 16a 17a 18a 19a 2 1d 2d 3d 4d 5d 6d 7d 8d 9d 1d 2d 3d 4d 5d 6d 7d 8d 9d 11b 12b 13b 14b 15b 16b 17b 18b 19b 2 11a 12a 13a 14a 15a 16a 17a 18a 19a 11a 12a 13a 14a 15a 16a 17a 18a 19a 12 13 14 15 16 17 18 19 1 a 12a 13a 14a 15a 16a 17a 18a 19a 1a 12a 13a 14a 15a 16a 17a 18a 19a A1 B1 C1 D1 E1 F1 G1 H1 I1 A2 B2 C2 D2 E2 F2 G2 H2 I2 A3 B3 C3 D3 E3 F3 G3 H3 I3 11b 12b 13b 14b 15b 16b 17b 18b 19b A1 B1 C1 D1 E1 F1 G1 H1 I1 A2 B2 C2 D2 E2 F2 G2 H2 I2 A3 B3 C3 D3 E3 F3 G3 H3 I3 11b 12b 13b 14b 15b 16b 17b 18b 19b A B C D1 E1 F1 G1 H1 I A B C D2 E2 F2 G2 H2 I A B C D3 E3 F3 G3 H3 I 12 13 14 15 16 17 18 19 1 1 1 D F G H 1 2 2 2 F 2 3 3 3 F 3 1 b 12b 13b 14b 15b 16b 17b 18b 19b A1 B1 C1 D1 E1 F1 G1 H1 I1 A2 B2 C2 D2 E2 F2 G2 H2 I2 A3 B3 C3 D3 E3 F3 G3 H3 I3 1b 12b 13b 14b 15b 16b 17b 18b 19b A1 B1 C1 1 E1 F1 1 1 I1 A2 B2 C2 2 E2 F2 2 2 I2 A3 B3 C3 3 E3 F3 3 3 I3

10 17 18 19 20 27 28 29 30 7 8 9 J Q R S T G H I 10a 7a 8a 9a 10b 7b 8b 9b 10c 7c 8c 9c 10d 7d 8d 9d

J1 10 11 12 13 14 15 16 17 18 19 20 21 22 23 24 25 26 27 28 29 30 1 2 3 4 5 6 7 8 9 J K L M N O P Q R S T U V W X Y Z A B C D E F G H I 10a a 2a 3a 4a 5a 6a 7a 8a 9a 10b 2b 3b 4b 5b 6b 7b 8b 9b 10c c 2c 3c 4c 5c 6c 7c 8c 9c 10d 2d 3d 4d 5d 6d 7d 8d 9d

17a 18a 19a 20a

17b 18b 19b 20b

11 12a 13a 14a 15a 16a 17a 18a 19a 20a

11a 12a 13a 14a 15a 16a 17a 18a 19a 20a

J1

G1 H1 I1

11 12b 13b 14b 15b 16b 17b 18b 19b 20b

11b 12b 13b 14b 15b 16b 17b 18b 19b 20b

J2

G2 H2 I2

J1 A B1 C1 D1 E1 F1 G1 H1 I1

J1

A1 B1 C1 D1 E1 F1 G1 H1 I1

J3

G3 H3 I3

J2

J2 A B2 C2 D2 E2 F2 G2 H2 I2

A2 B2 C2 D2 E2 F2 G2 H2 I2

J3

J3 A B3 C3 D3 E3 F3 G3 H3 I3

A3 B3 C3 D3 E3 F3 G3 H3 I3

Home Page: Account Details Overview

19

A. On the Home page, you can click on an account name to view the Account Details screen. B. The current and available balances of that account are displayed in the top right corner. C. The icon opens the search bar to find transactions with that account. D. Transactions can be sorted by time, type, amount or check number. Click the icon for more options. E. Make a quick transfer by clicking the icon. (See page 20 for additional details.) F. Export your transactions into a different format by clicking the icon. G. The icon lets you send a secure message about that account or print a list of transactions. H. The icon indicates how the Date, Description and Amount columns are sorted. I. You can view more details about a transaction by clicking on it. J. The icon lets you send a secure message about that transaction or print details about it.

Home Page: Account Details Overview

20

Home Page Quick Transfer

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

Click the icon from the accounts details page. 1. Select the “To” drop-down and choose an account to receive the funds. 2. Enter an amount to transfer. 3. Select a transfer date. 4. (Optional) Click the Advanced Options button to be redirected to the Funds Transfer feature. 5. Click the Transfer Funds button when you are finished. 10a 1a 2a 3a 4a 5a 6a 7a 8a 9a 10b 1b 2b 3b 4b 5b 6b 7b 8b 9b 10c 1c 2c 3c 4c 5c 6c 7c 8c 9c 10d 11a 12a 13a 14a 15a 16a 17a 18a 19a 20a 11b 12b 13b 14b 15b 16b 17b 18b 19b 20b 1d 2d 3d 4d 5d 6d 7d 8d 9d J1 A1 B1 C1 D1 E1 F1 G1 H1 I1 J2 A2 B2 C2 D2 E2 F2 G2 H2 I2 A3 B3 C3 D3 E3 F3 G3 H3 I3 10a 1a 2a 3a 4a 5a 6a 7a 8a 9a 10b 1b 2b 3b 4b 5b 6b 7b 8b 9b 10c 1c 2c 3c 4c 5c 6c 7c 8c 9c 10d 11a 12a 13a 14a 15a 16a 17a 18a 19a 20a 11b 12b 13b 14b 15b 16b 17b 18b 19b 20b 1d 2d 3d 4d 5d 6d 7d 8d 9d J K L M N O P Q R S T U V W X Y Z A B C D E F G H I J1 A1 B1 C1 D1 E1 F1 G1 H1 I1 10 11 12 13 14 15 16 17 18 19 20 21 22 23 24 25 26 27 28 29 30 1 2 3 4 5 6 7 8 9 10a 1a 2a 3a 4a 5a 6a 7a 8a 9a 10b 1b 2b 3b 4b 5b 6b 7b 8b 9b 10c 1c 2c 3c 4c 5c 6c 7c 8c 9c 10d 1d 2d 3d 4d 5d 6d 7d 8d 9d J K L M N O P Q R S T U V W X Y Z A B C D E F G H I 10 11 12 13 14 15 16 17 18 19 20 21 22 23 24 25 26 27 28 29 30 1 2 3 4 5 6 7 8 9 10a 1a 2a 3a 4a 5a 6a 7a 8a 9a 10b 1b 2b 3b 4b 5b 6b 7b 8b 9b 10c 1c 2c 3c 4c 5c 6c 7c 8c 9c 10d 11a 12a 13a 14a 15a 16a 17a 18a 19a 20a 11b 12b 13b 14b 15b 16b 17b 18b 19b 20b 1d 2d 3d 4d 5d 6d 7d 8d 9d J K L M N O P Q R S T U V W X Y Z A B C D E F G H I 10 11 12 13 14 15 16 17 18 19 20 21 22 23 24 25 26 27 28 29 30 1 2 3 4 5 6 7 8 9 J K L M N O P Q R S T U V W X Y Z A B C D E F G H I 10 11 12 13 14 15 16 17 18 19 20 21 22 23 24 25 26 27 28 29 30 1 2 3 4 5 6 7 8 9 J2 A2 B2 C2 D2 E2 F2 G2 H2 I2

J3 10a a 2a 3a 4a 5a 6a 7a 8a 9a 10b 1b 2b 3b 4b 5b 6b 7b 8b 9b 10c 1c 2c 3c 4c 5c 6c 7c 8c 9c 10d 1d 2d 3d 4d 5d 6d 7d 8d 9d J K L M N O P Q R S T U V W X Y Z A B C D E F G H I 10 11 12 13 14 15 16 17 18 19 20 21 22 23 24 25 26 27 28 29 30 1 2 3 4 5 6 7 8 9

11a 12a 13a 14a 15a 16a 17a 18a 19a 20a A1 B1 C1 D1 E1 F1 G1 H1 I1 A2 B2 C2 D2 E2 F2 G2 H2 I2 11b 12b 13b 14b 15b 16b 17b 18b 19b 20b A3 B3 C3 D3 E3 F3 G3 H3 I3 A1 B1 C1 D1 E1 F1 G1 H1 I1 J1

J1

J3

A3 B3 C3 D3 E3 F3 G3 H3 I3

11a 12a 13a 14a 15a 16a 17a 18a 19a 20a

J2

11b 12b 13b 14b 15b 16b 17b 18b 19b 20b

J3

A1 B1 C1 D1 E1 F1 G1 H1 I1

J1

J2

A2 B2 C2 D2 E2 F2 G2 H2 I2

J2

A2 B2 C2 D2 E2 F2 G2 H2 I2

J3

A3 B3 C3 D3 E3 F3 G3 H3 I3

J3

A3 B3 C3 D3 E3 F3 G3 H3 I3

Home Page: Quick Transfer

21

Home Page Account Nickname

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

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

11a 12a 13a 14a 15a 16a 17a 18a 19a 20a

11b 12b 13b 14b 15b 16b 17b 18b 19b 20b

A1 B1 C1 D1 E1 F1 G1 H1 I1

J1

J2

A2 B2 C2 D2 E2 F2 G2 H2 I2

J3 11 12 13 14 15 16 21 22 23 24 25 26 1 2 3 4 5 6 K L M N O P U V W X Y Z A B C D E F 11 12 13 14 15 16 17 21 22 23 24 25 26 27 1 3 4 5 6 7 K L M N O P Q U V W X Y Z A B C D E F G 11 12 13 14 15 16 17 18 21 22 23 24 25 26 27 28 1 2 3 4 5 6 7 8 K L M N O P Q R U V W X Y Z A B C D E F G H 1a 2a 3a 4a 5a 6a 1b 2b 3b 4b 5b 6b 1c 2c 3c 4c 5c 6c 1a 2a 3a 4a 5a 6a 7a 1b 2b 3b 4b 5b 6b 7b 1c 2c 3c 4c 5c 6c 7c 1a 2a 3a 4a 5a 6a 7a 8a 1b 2b 3b 4b 5b 6b 7b 8b 1c 2c 3c 4c 5c 6c 7c 8c 11a 12a 13a 14a 15a 16a 17a 18 1d 2d 3d 4d 5d 6d 7d 8 11a 12a 13a 14a 15a 16a 11b 12b 13b 14b 15b 16b 1d 2d 3d 4d 5d 6d 7d 1d 2d 3d 4d 5d 6d A1 B1 C1 D1 E1 F1 A2 B2 C2 D2 E2 F2 A3 B3 C3 D3 E3 F3 11a 12a 13a 14a 15a 16a 17a 11b 12b 13b 14b 15b 16b 17b A1 B1 C1 D1 E1 F1 G1 A2 B2 C2 D2 E2 F2 G2

A3 B3 C3 D3 E3 F3 G3 H3 I3

1. Click the

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

Account. 2. Enter a new global nickname. The global nickname changes the account name for all users who don’t have their own nickname set for this account. 3. Enter a new personal nickname. Your personal nickname for this account is only visible to you. 4. Click the Save button when you are finished.

Home Page: Account Nickname

22

Home Page Account Grouping

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

11 12 1 21 22 2 1 2 3 K L M U V W A B

1a 2a 1b 2b 1c 2c

10 11 12 13 14 15 16 17 18 19 20 21 22 23 24 25 26 27 28 29 30 1 2 3 4 5 6 7 8 9 J K L M N O P Q R S T U V W X Y Z A B C D E F G H I J K L M N O P Q R S T U V W X Y Z A B C D E F G H I 10a 1a 2a 3a 4a 5a 6a 7a 8a 9a 10b 1b 2b 3b 4b 5b 6b 7b 8b 9b 10c 1c 2c 3c 4c 5c 6c 7c 8c 9c 10d 1d 2d 3d 4d 5d 6d 7d 8d 9d 11a 12a 13a 14a 15a 16a 17a 18a 19a 20a 10a 1a 2a 3a 4a 5a 6a 7a 8a 9a 10b 1b 2b 3b 4b 5b 6b 7b 8b 9b 10c 1c 2c 3c 4c 5c 6c 7c 8c 9c 10d 1d 2d 3d 4d 5d 6d 7d 8d 9d 11b 12b 13b 14b 15b 16b 17b 18b 19b 20b 11a 12a 13a 14a 15a 16a 17a 18a 19a 20a A1 B1 C1 D1 E1 F1 G1 H1 I1 11b 12b 13b 14b 15b 16b 17b 18b 19b 20b A2 B2 C2 D2 E2 F2 G2 H2 I2 10 11 12 13 14 15 16 17 18 19 20 21 22 23 24 25 26 27 28 29 30 1 2 3 4 5 6 7 8 9 A1 B1 C1 D1 E1 F1 G1 H1 I1 J2 A3 B3 C3 D3 E3 F3 G3 H3 I3 J1 A2 B2 C2 D2 E2 F2 G2 H2 I2 J3 J2

1d 2d

11a 12a 1

11b 12b 1

J1 10a 1a 2a 3a 4a 5a 6a 7a 8a 9a 10b 1b 2b 3b 4b 5b 6b 7b 8b 9b 10c 1c 2c 3c 4c 5c 6c 7c 8c 9c 10d 1d 2d 3d 4d 5d 6d 7d 8d 9d J K L M N O P Q R S T U V W X Y Z A B C D E F G H I 10 11 12 13 14 15 16 17 18 19 20 21 22 23 24 25 26 27 28 29 30 1 2 3 4 5 6 7 8 9 A1 B1 A2 B A3 B

1. Create a new group by clicking the 2. Use the drop-down to select an account. 3. Enter the group name. 4. Click the Save button.

icon and selecting “Create new group.”

11a 12a 13a 14a 15a 16a 17a 18a 19a 20a

11b 12b 13b 14b 15b 16b 17b 18b 19b 20b

J3

A3 B3 C3 D3 E3 F3 G3 H3 I3

A1 B1 C1 D1 E1 F1 G1 H1 I1

J1

J2

A2 B2 C2 D2 E2 F2 G2 H2 I2

Home Page: Account Grouping

J3

A3 B3 C3 D3 E3 F3 G3 H3 I3