TDECU Digital Banking User Guide

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Digital Banking

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

St. Louis, MO 63021 www.mcompany.com

© 2009–2026 Murphy & Company, Inc. Macintosh is a trademark of Apple Inc., registered in the U.S. and other countries. Android is a trademark of Google LLC. Adobe Reader is a registered trademark of Adobe Systems, Inc. © 2012 Portions of this guide were written by Q2 Software, Inc.

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

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Getting Started Welcome to Digital Banking with Texas Dow Employees Credit Union! Whether you are at home or at the office using a mobile phone, tablet or laptop, we strive to make your Digital Banking experience easy and convenient. Please navigate this guide by clicking a topic or feature in the Table of Contents. Each section provides an overview and steps to help you during the Digital Banking process. If you have additional questions, contact us at (800) 839-1154.

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Table of Contents Getting Started

New User Enrollment ................................................................................................................. 6 Logging In ...................................................................................................................................... 7 Logging Off .............................................................................................................................................. 7 Resetting a Forgotten Password .............................................................................................. 8 Unlocking a Username..............................................................................................................10 Retrieving a Username .............................................................................................................11 Accounts Home Page Overview...............................................................................................................12 Account Details Overview.......................................................................................................13 Quick Transfer............................................................................................................................15 Account Nickname ....................................................................................................................16 Details & Settings ......................................................................................................................17 Manage Accounts Overview .....................................................................................................................................18 Tagging an Account...................................................................................................................19 Editing an Account Tag...................................................................................................................... 20 Deleting an Account Tag ................................................................................................................... 21 Security Protecting Your Information ...................................................................................................22 General Guidelines.............................................................................................................................. 22 Login ID and Password....................................................................................................................... 22 Fraud Prevention................................................................................................................................. 22 Security Preferences.................................................................................................................23 Change Password................................................................................................................................ 23 Change Username............................................................................................................................... 25 Secure Delivery.................................................................................................................................... 26 Security Alerts...................................................................................................................................... 28 Login Activity..............................................................................................................................29 Mobile Security Preferences...................................................................................................30 Enabling Biometrics............................................................................................................................. 30 Disabling Biometrics ........................................................................................................................... 31 Alerts Overview .........................................................................................................................32 Account Alerts...................................................................................................................................... 33 History Alerts........................................................................................................................................ 34 Online Transaction Alerts.................................................................................................................. 35 Security Alerts Overview.........................................................................................................36 Editing Delivery Preferences ............................................................................................................ 36

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Enabling and Disabling Push Notifications ..........................................................................37 Secure Message Overview ......................................................................................................38 Sending a Secure Message ......................................................................................................39 Transactions Transfer Funds............................................................................................................................40 Transfer to a Member...............................................................................................................42 Linking Someone’s TDECU Account............................................................................................... 42 Single Transfers Between TDECU Accounts................................................................................ 44 Zelle ® Setup.................................................................................................................................46 Initial Setup ........................................................................................................................................... 46 Adding a Recipient .............................................................................................................................. 47 Send Money with Zelle ® ...........................................................................................................48 Zelle ® Limits ................................................................................................................................50 Request Money with Zelle ® .....................................................................................................51 Split Payment with Zelle ® ........................................................................................................52 Zelle ® Activity..............................................................................................................................53 Zelle ® Settings ............................................................................................................................54 Add a Personal External Transfer Account..........................................................................55 Instant Verification.............................................................................................................................. 55 Manage External Transfer Accounts.....................................................................................56 Nickname External Transfer Accounts........................................................................................... 56 Remove External Transfer Accounts............................................................................................... 57 Loan Payments ...........................................................................................................................58 Activity Center Overview ........................................................................................................60 Using Filters .......................................................................................................................................... 61 Creating or Deleting Custom Views Using Favorites.................................................................. 62 Editing Transactions............................................................................................................................ 63 Canceling Transactions....................................................................................................................... 64 Services Stop Payment Request .............................................................................................................65 Single Check ........................................................................................................................................ 65 Multiple Checks .................................................................................................................................. 66 Enroll in Mobile Deposits.........................................................................................................67 Mobile Deposits.........................................................................................................................68 Settings Profile ...........................................................................................................................................69 Accessibility.................................................................................................................................70 Locations Branches and ATMs ..................................................................................................................71

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Getting Started New User Enrollment

If you’re new to Digital Banking with TDECU, you will 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 tdecu.org into your browser and click the Log In button. 2. Click the “Enroll Now” link. 3. Fill out the Digital Banking Enrollment Form with the required information and click the Continue button.

Note: The details you provide are verified by comparing them to your contact information in our system. If the information does not match, please call us at (800) 839-1154 to update your profile.

4. You will be prompted to complete Identity Verification. Click the Continue button. You will need your government issued ID and a smart phone with a camera to complete the process.

Note: You cannot proceed with enrollment in Digital Banking without passing the Identity Verification.

5. Choose the contact method that allows TDECU to reach you immediately with a Secure Access Code (SAC). This numbered code is only valid for a short time, and you will need to request a new one if it expires. 6. Click the Finish button. 7. Click the Go to Login button. 8. Choose the contact method that allows TDECU to reach you immediately with a Secure Access Code (SAC). This numbered code is only valid for a short time, and you will need to request a new one if it expires. 9. Verify and update your name, address and contact information. Once reviewed, click on the Submit Profile button. 10. Congratulations! You have successfully enrolled in to Digital Banking! If you have any questions or concerns, please call us at (800) 839-1154.

Getting Started: New User Enrollment

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Getting Started Logging In

After enrollment, a Secure Access Code (SAC) will be required when logging in unless Biometric login through a mobile device is used.

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1. Click the Log In button. 2. Enter your username, password and click the Log In button. 3. Choose the contact method that allows TDECU to reach you immediately with a six-digit Secure Access Code (SAC). 4. Enter the SAC and click the Submit button. Note: If you enter an incorrect password too many times, your account will be temporarily locked, and you may not be able to reset your password. To unlock your account, go to page 10 and follow the steps to “unlock a username.” If you are unable to unlock your account, please call us at (800) 839-1154 for assistance.

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

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

Getting Started: Logging In

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Getting Started Resetting a Forgotten Password

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

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1. Click the Log In button. 2. Click the “Forgot your password?” link. 3. Enter your username and click the Submit button.

Note: You may not be able to change your password if your account is locked and you are unable to complete identify verification.

Getting Started: Resetting a Forgotten Password

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4. Choose the contact method that allows TDECU to reach you immediately with a six-digit Secure Access Code (SAC). 5. Enter the SAC and click the Submit button. 6. Create a new password based on our password requirements, and click the Submit button when you are finished.

Getting Started: Resetting a Forgotten Password

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Getting Started Unlocking a Username

Easily unlock your username.

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1. Click the Log In button. 2. Click the “Unlock/Forgot username” link. 3. Enter your member number. 4. Enter your last name.

5. Enter the locked username. 6. Click the Continue button.

Getting Started: Unlocking a Username

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Getting Started Retrieving a Username

If you happen to forget your username, you can easily retrieve it from the TDECU Home page.

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1. Click the Log In button. 2. Click the “Unlock/Forgot username” link.

3. Click the Forgot Username tab. 4. Enter your member number. 5. Enter your last name. 6. Enter your mobile number. 7. Click the Continue button. Your login ID will be sent to you.

Getting Started: Retrieving a Username

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Accounts Home Page Overview

After logging in, you will be taken directly to the Home page. Here you can view the balances in both your linked and your favorite TDECU accounts, see your account summaries and more!

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A. Use the navigation bar to navigate to Digital Banking features by selecting the appropriate drop-down tab. B. Your TDECU 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 and select “View Activity” for more details. D. The Quick Links let you quickly access different Digital Banking features. E. View recent activity and other transactions in the various widgets on your homepage.

Accounts: Home Page Overview

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Accounts Account Details Overview

Selecting a TDECU 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.

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Accounts: Account Details Overview

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A. On the Home page, click an account card to view the Account Details screen. B. The current and available balances for that account are displayed in the top right corner. C. Click the Transfer Funds button to transfer funds between you accounts. Go to page 40 for more information. D. Click the View Statement button to view your account statement. E. Click the Unhide Account Number button to view your full account name. F. The icon opens the search bar to find transactions in that account. G. Transactions can be sorted by date, time, type, amount or check number. Click the icon for more options. H. Make a quick transfer by clicking the icon. (See page 15 for additional details.) I. Export your transactions into different file formats by clicking the icon. J. The icon lets you send a secure message about that account or print a list of transactions. K. The icon indicates how the Date, Description and Amount columns are sorted. L. You can view more details about a transaction by clicking on it. M. The icon lets you send a secure message about that transaction or print details about it.

Accounts: Account Details Overview

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Accounts 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.

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1. Click the “Quick Transfer” link on an account card. 2. Use the drop-downs to select the “From” and “To” accounts. 3. Enter an amount to transfer. 4. Select a transfer date. 5. (Optional) Click the Advanced Options button to create a recurring transfer. 6. Click the Transfer Funds button when you are finished.

Accounts: Quick Transfer

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Accounts Account Nickname

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

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icon and select “Nickname.”

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

Accounts: Account Nickname

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Accounts Details & Settings

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

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icon and select “View details.” icon to edit the display name.

Accounts: Details & Settings

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Manage Accounts Overview

The Manage Accounts page offers several options and features for you to manage and personalize your accounts.

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Click the View all accounts button at the bottom of the accounts list. A. Click and drag an account to change its order in your account list. Any changes to the order of your accounts will be reflected on your Home Page. B. Click the icon next to an account to set it as a favorite and make it viewable on your Home Page. C. Click the icon to view activity, nickname an account, favorite or unfavorite an account, move an account, or view additional settings. D. Click the Accounts or External Accounts tabs to view and manage additional types of accounts. E. Click the + Add account button to add a new account. a. Select “Add an External Account” to connect an external account. Go to page 55 for more information. b. Select “Open a new account” to open a new account with TDECU.

Manage Accounts: Overview

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Manage Accounts Tagging an Account

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Click the View all accounts button at the bottom of the accounts list. 1. Click the “Add Tag” link. 2. Enter a tag name. 3. Select the accounts to apply the tag to. 4. Click the Add Tag button.

Manage Accounts: Tagging an Account

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Editing an Account Tag

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Click the View all accounts button at the bottom of the accounts list. 1. Select “Manage Tags” from the “All Accounts” drop-down. 2. Click the icon. 3. Edit the necessary information and click the Save Tag button.

Manage Accounts: Tagging an Account

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Deleting an Account Tag

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Click the View all accounts button at the bottom of the accounts list. 1. Select “Manage Tags” from the “All Accounts” drop-down. 2. Click the icon. 3. Click the Delete Tag button.

Manage Accounts: Tagging an Account

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Security Protecting Your Information

Here at TDECU, we do everything we can to protect your personal information and provide you with a dependable online experience. However, we rely on you to take further precautions to ensure the safety of your accounts. General Guidelines • Make sure your operating system and antivirus software are up to date. • Always use secure wireless (WiFi) networks that require a login ID and password. • Never leave your computer unattended while using Digital Banking. • Monitor your recent account history for unauthorized transactions. • Always log off Digital Banking when you’ve finished and close the browser. Login ID and Password • Create strong passwords by using a mixture of uppercase and lowercase letters, numbers and special characters. • Do not create passwords containing your initials, birthday or any personal information • Change your passwords periodically and never reuse passwords used for other services. • Memorize your passwords instead of writing them down. • Only register personal devices and avoid using features that save your login IDs and passwords. Fraud Prevention • Do not open email attachments or click on links from unsolicited sources. • Avoid giving out personal information on the phone, by text or through email. • Shred unwanted sensitive documents, including receipts, checks, deposit slips, pre-approved credit card offers and expired cards. • Act quickly. If you suspect your financial information is compromised, please call us immediately at (800) 839-1154.

Security: Protecting Your Information

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Security Security Preferences

We take security very seriously at TDECU. We have added various tools to help you better protect your account information. You can add and manage security features in Security Preferences to strengthen your Digital Banking experience. Change Password You can change your Digital Banking password at any time. We recommend changing your password regularly and following our guidelines to create a strong password.

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In the Settings tab, click Security Preferences . 1. Click the Change Password button.

Security: Security Preferences

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2. Choose the contact method that allows TDECU to reach you immediately with a six-digit Secure Access Code (SAC). Click either the Voice call or Text message button. 3. Enter the SAC and click the Submit button. 4. Enter your current password. 5. Create a new password. 6. Reenter your new password. 7. Click the Change Password button when you are finished making changes.

Security: Security Preferences

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

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In the Settings tab, click Security Preferences . 1. Click the Change Username button.

2. Choose the contact method that allows TDECU to reach you immediately with a six-digit Secure Access Code (SAC). Click either the Voice call or Text message button. 3. Enter the SAC and click the Submit button. 4. Enter your new username. 5. Click the Save New Username button when you are finished making changes.

Security: Security Preferences

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Secure Delivery We can verify your identity by sending a Secure Access Code (SAC) to you by text message, voice call or email address. Within Security Preferences, you can make changes to your delivery preferences or add new for us to contact you.

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In the Settings tab, click Security Preferences . 1. Click the Secure Delivery button.

2. Choose the contact method that allows TDECU to reach you immediately with a six-digit Secure Access Code (SAC). Click either the Voice call or Text message button. 3. Enter the SAC and click the Submit button. 4. Make changes to a secure delivery method by clicking the icon to make changes, or the icon to delete a secure delivery method. 5. Add a new delivery contact by clicking the + Add Contact button.

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6. Enter your new contact information, agreee to the terms and click the Save button when you are finished to save your changes.

Note: Never share your Secure Access Code (SAC) with anyone. TDECU staff will never request that you share your Secure Access Code (SAC). If you are asked for your Secure Access Code (SAC), it is fraud. Reach out to TDECU at (800) 839-1154 for assistance.

Security: Security Preferences

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Security Alerts Manage Alerts lets you control which security notifications you receive and how they’re delivered. Choose the events you want to be notified about, such as password changes or secure access updates, and customize your preferred notification methods to stay informed about important account activity.

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1. Click the Security Alerts button. 2. Choose the contact method that allows TDECU to reach you immediately with a six-digit Secure Access Code (SAC). Click either the Voice call or Text message button. 3. Enter the SAC and click the Submit button. 4. Use the toggles to enable an alert. 5. Use the drop-down to select an additional notification method. 6. To edit your delivery preferences, click the Edit Delivery Preferences button when you are finished. a. Update your delivery preferences and click the Save button.

Security: Security Preferences

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Security Login Activity

View all account logins made in the last 30 days. If you see suspicious activity, change your password and call us at (800) 839-1154 immediately. For more information about changing your password, go to page 23.

In the Settings tab, click Login Activity .

Security: Login Activity

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Security Mobile Security Preferences

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

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Sign in to TDECU’s app and tap the Menu button. In the Settings tab, tap Security Preferences.

1. Tap the Face ID/Fingerprint Management button. 2. Toggle the Biometrics switch from “Off” to “On.” 3. Scan your fingerprint.

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

Security: Mobile Security Preferences

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

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Sign in to TDECU’s app and tap the Menu button. In the Settings tab, tap Security Preferences.

1. Tap the Face ID/Fingerprint Management button. 2. Toggle the Biometrics switch from “On” to “Off.”

Security: Mobile Security Preferences

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Security Alerts Overview

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

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

Note: All alerts are automatically sent through secure messages but you can also choose to receive them by text message, voice call, or email.

Security: Alerts Overview

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

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

Security: Alerts Overview

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History Alerts If you’re ever concerned about amount limits or pending checks, you can create History Alerts to contact you when a check number posts or transactions meet a chosen amount.

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In the Settings tab, click Manage Alerts . 1. Click the “New Alert” drop-down and select “History Alert.” 2. Select a transaction type. 3. Select a comparison. These options vary depending on the chosen transaction type. 4. Enter an amount. 5. Use the drop-down to select an account. 6. Select a delivery method and enter the corresponding information. 7. Click the Create Alert button when you are finished.

Security: Alerts Overview

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

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

Security: Alerts Overview

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Security Security Alerts Overview

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

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In the Settings tab, click Manage Alerts , then Security Alerts . A. Toggling the switch turns an alert on or off without deleting it.

Editing Delivery Preferences When a trigger occurs, Security Alerts are always sent to you through secure messages. You can add additional delivery methods to notify you about your accounts wherever you are. In the Settings tab, click Manage Alerts , then Security Alerts . 1. Click the “Edit Delivery Preferences” link at the top. These changes will apply to all Security Alerts.

2. Enter the information for your preferred delivery method. 3. Click the Save button when you are finished making changes.

Security: Security Alerts Overview

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Security Enabling and Disabling Push Notifications

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

Note: Push Notifications are available for security, reminder, account and transaction alerts.

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A. When you first sign into TDECU’s Digital Banking app, you have the option to enable push notifications for alerts by tapping the Allow button. B. To enable or disable push notifications at a later time, in the Alerts tab, tap Push Notifications . 1. Use the Enable Notifications switch to enable or disable push notifications. 2. Tap the respective Alert Settings tab to edit alerts and their delivery preferences. (See Alerts Overview section starting on page 32 for more information.)

Security: Enabling and Disabling Push Notifications

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Security Secure Message Overview

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

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

Security: Secure Message Overview

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Security Sending a Secure Message

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

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

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2. Select the recipient from the drop-down. 3. Enter the subject. 4. Enter your message. 5. Click the Send message button when you are finished.

Security: Sending a Secure Message

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Transactions Transfer Funds

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

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

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4. If you would like to set up a recurring transfer, follow the steps below. a. Use the drop-down to select a frequency. b. Enter a start date for this transaction using the calendar features. c. Decide if the transfer will repeat forever or have an end date.

5. (Optional) Enter a memo. 6. Click the Transfer Funds button when you are finished.

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

Transactions: Transfer Funds

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Transactions Transfer to a Member

If you have a friend or relative who banks with TDECU, Transfer to a Member allows you to send them money immediately.

Note: This feature is not available to Members who have enrolled after April 2024.

Linking Someone’s TDECU Account Instead of typing in someone’s information every time you send them money, you can conveniently link their account for future deposits.

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In the Transfer & Pay tab, click Transfer to a Member . 1. Click the Link Account button. 2. Choose the contact method that allows TDECU to reach you immediately with a six-digit Secure Access Code (SAC). 3. Enter the SAC and click the Verify button.

Transactions: Transfer to a Member

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4. Enter the recipient’s account number. 5. Use the drop-down to select an account type. 6. Enter the first three characters of the recipient’s last name or business name. 7. Click Submit when you are finished.

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

Transactions: Transfer to a Member

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

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In the Transfer & Pay tab, click Transfer to a Member . 1. Click the Single Transfer button. 2. Choose the contact method that allows TDECU to reach you immediately with a six-digit Secure Access Code (SAC). 3. Enter the SAC and click the Verify button.

Transactions: Transfer to a Member

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4. Select the account to take funds from using the “From Account” drop-down. 5. Enter an amount. 6. (Optional) Write a description of your transfer. 7. Enter the recipient’s account number. 8. Use the drop-down to select an account type. 9. Enter the first three characters of the recipient’s last name or business name. 10. Click Submit when you are finished .

Transactions: Transfer to a Member

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Transactions Zelle ® Setup

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

Initial Setup

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In the Transfer & Pay tab, click Zelle ® . 1. Choose or add a new email address or mobile number to have a 6-digit verification code sent to. 2. Enter the 6-digit verification code. 3. Choose your primary account.

Note: You may only register a mobile phone number or e-mail address at one institution at a time. Payments will be deposited to the institution where your mobile phone number or e-mail address is currently enrolled.

Transactions: Zelle® Setup

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Adding a Recipient

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In the Transfer & Pay tab, click Zelle ® . 1. Click the Add New Contact button.

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

Transactions: Zelle® Setup

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Transactions Send Money with Zelle ®

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

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In the Transfer & Pay tab, click Zelle ® . 1. Select a recipient and choose a send method. 2. Enter an amount to send.

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

Transactions: Send Money with Zelle®

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

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

Transactions: Send Money with Zelle®

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Transactions Zelle ® Limits

Limits are set to protect you from fraudulent activity. • Funding accounts can have different limits. • Number of transactions allowed: 15 per day, 30 per month.

• The 30 day limit includes activity within the last 30 days, including today. • Make sure you have enough left in your daily limit for future dated payments.

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Transactions: Zelle® Limits

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Transactions Request Money with Zelle ®

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

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

Transactions: Request Money with Zelle®

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Transactions Split Payment with Zelle ® Split a payment between multiple people. 1

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In the Transfer & Pay tab, click Zelle ® . 1. Click the Split tab. 2. Select recipients and choose request methods. 3. Click the Enter Amount button. 4. Enter the total amount to be sent from your account. 5. Click the Review button. 6. (Optional) Make adjustments to the split. 7. (Optional) Enter a reason. 8. Click the Split button.

Transactions: Split Payment with Zelle®

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Transactions Zelle ® Activity

A

B

In the Transfer & Pay tab, click Zelle ® , then click the Activity tab. A. If the payment status is pending, the recipient may not have enrolled their mobile number or email address to receive the payment. At this point, you have the option to cancel the payment. B. If the payment status is completed, then the money is already in the recipient’s account. If you aren’t sure of the status of your payment, contact the credit union.

Transactions: Zelle® Activity

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Transactions Zelle ® Settings

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

A

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In the Transfer & Pay tab, click Zelle ® , then click the Settings tab. A. Some one can send you money by scanning your Zelle ® QR code. B. Use the drop-down to change your primary account. C. Click the “+ Add” links to add a new email or mobile number. D. Click the “Remove” link to remove an email or mobile number. E. Click on a contact to edit their information or delete them.

Transactions: Zelle® Settings

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Transactions Add a Personal External Transfer Account

Your private accounts at other financial institutions can be linked to Digital Banking with TDECU, so you can transfer money between two financial institutions without ever leaving home! Instant Verification You can link you account instantly using our secure Plaid connection - no extra steps needed.

1

In the Transfer & Pay tab, click Manage External Accounts . 1. Click the Link Account button. 2. Enter the necessary information to add your external account. 3. Accounts verified with credentials through Plaid will now appear under the external accounts section. Click the Continue button.

Transactions: Add a Personal External Transfer Account

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Transactions Manage External Transfer Accounts

Once added you can edit an account to give it a nickname or remove it if it is no longer needed.

Nickname External Transfer Accounts

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In the Transfer & Pay tab, click Manage External Accounts . 1. Click the “Edit” link on the account card you would like to nickname. 2. Enter a nickname and click the Edit Account button.

Transactions: Manage External Transfer Accounts

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Remove External Transfer Accounts

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In the Transfer & Pay tab, click Manage External Accounts . 1. Click the “Remove” link on the account card you would like to remove. 2. Click the Continue button. 3. Click the Close button.

Transactions: Manage External Transfer Accounts

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Transactions Loan Payments

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

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In the Transfer & Pay tab, click on Pay My Loan . 1. Using the “From” and “To” drop-downs, select the account the funds will be taken from and the account you wish to post the payment. 2. Select your payment type using the “Payment Type” drop-down. 3. Enter the amount of the payment. 4. (One-Time Payment Only) Enter the date to process the transaction.

Transactions: Loan Payments

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5a

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

Transactions: Loan Payments

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Transactions Activity Center Overview

Transactions initiated within Digital Banking or the mobile app are viewable in Activity Center. This includes single and recurring transfers (both internal and external), stop payments, check orders and mobile deposit history.

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F

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In the Transfer & Pay tab, click View Activity Center . A. Click an appropriate tab to view Single Transactions or Recurring Transactions . B. Use the search bar to find transactions within that account. C. Print the Activity Center page by clicking the icon. Export your transactions into a different format by clicking the icon. D. Click the icon next to the Created, Status, Transaction Type, Account or Amount columns to sort transactions. E. Click on a transaction to view more details. F. Click the icon to perform additional functions.

Transactions: Activity Center Overview

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Using Filters What appears on the Activity Center can be customized using various filters. You can also choose up to six columns to display, so you can swiftly find what you’re looking for each time.

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In the Transfer & Pay tab, click View Activity Center . 1. Click the

icon to create a custom view of your transactions.

2. Create a custom list of transactions using these filters. 3. Filter the type of transaction you are looking for using the “Transaction Type” drop-down. Column names with check boxes appear. Select up to six boxes. 4. Click the Apply Filters button when you are finished.

Transactions: Activity Center Overview

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Creating or Deleting Custom Views Using Favorites After applying specific filters, you can save that view of the Activity Center to Favorites, making it easier and faster to search, print or export transactions. You can always delete Favorites if they are no longer useful.

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In the Transfer & Pay tab, click View Activity Center . 1. Click the icon. 2. Click the “+ Save filter as favorite” link to create a new favorite template. 3. Enter a nickname for your new custom view. 4. Click the Save button when you are finished. 5. Click the X icon to remove a custom view from your Favorites.

Transactions: Activity Center Overview

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Editing Transactions The Activity Center only shows pending transaction(s) initiated within Digital Banking not yet posted to your account.

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In the Transfer & Pay tab, click View Activity Center . 1. Browse through your pending transaction and locate the transaction you would like to edit. Create a custom list of transactions using these filters. 2. Click the icon and click “Edit.” 3. Make the necessary edits and then click the Transfer Funds button when you are finished.

Note: If you edit a recurring transaction in the Single Transaction tab, you will only edit that single occurrence. To edit an entire series, you must visit the Recurring Transactions tab in the Activity Center.

Transactions: Activity Center Overview