Triad Bank Digital Banking User Guide

8-13-24

Digital Banking User Guide

TriadBanking.com 314-993-4333

II

Published by Murphy & Company, Inc. 13610 Barrett Office Drive, Suite 206

St. Louis, MO 63021 www.mcompany.com

© 2009-2024 Murphy & Company, Inc. Macintosh is a trademark of Apple Inc., registered in the U.S. and other countries. Adobe Reader is a registered trademark of Adobe Systems, Inc. Copyright 2021 CSI. All rights reserved. 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 Triad Bank! Whether you are at home or the office using a mobile phone, tablet or laptop, we strive to make your Business Online Banking experience easy and convenient. By adding powerful commercial products and features, Triad Bank provides you with the complex tools your business needs to achieve its goals. Business Online Banking shares similar features with our personal accounts, but this guide is designed to direct you through business features only. You can navigate this guide by clicking a topic or feature in the Table of Contents. Each section provides an overview and steps to help you during the Business Online Banking process. If you have additional questions, contact us at 314-993-4333.

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Table of Contents Getting Started

Business Online Banking Overview ............................................................................9 Sub-Users................................................................................................................................ 9 Companies .............................................................................................................................. 9 Logging In.....................................................................................................................10 Logging Off ........................................................................................................................... 11 Multi-Factor Authentication.......................................................................................12 Logging Off ........................................................................................................................... 13 DUO Mobile .......................................................................................................................... 14 Resetting a Forgotten Password ...............................................................................16 Retrieve a Forgotten Username................................................................................17 Transaction Type Overview .......................................................................................18 Accounts Dashboard Overview..................................................................................................19 Account Details Overview ..........................................................................................21 Transaction Details .....................................................................................................23 Adding a New Account ...............................................................................................24 Adding an Account to Triad PFM........................................................................................ 25 Adding an External Account ............................................................................................... 26 Removing an External Account .......................................................................................... 28 Organize Dashboard ..................................................................................................29 Rename Accounts ................................................................................................................ 30 Hide/Unhide Accounts ........................................................................................................ 31 Hide/Unhide Dashboard Tiles ............................................................................................ 32 App Appearance................................................................................................................... 33 Quick Pay .....................................................................................................................34 Selecting Favorite Payees.................................................................................................... 34 Bill Pay ................................................................................................................................... 35 External Account .................................................................................................................. 37 Monthly Activity...........................................................................................................39 Triad PFM Initial Setup..................................................................................................................40 Tagging Transactions........................................................................................................... 41 Splitting a Transaction......................................................................................................... 43 Triad PFM Dashboard.................................................................................................45 Spending by Category ................................................................................................46 Budget ..........................................................................................................................48 Adding Budgets.................................................................................................................... 49

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Managing Budgets............................................................................................................... 50 Add a Budget Alert............................................................................................................... 52 Cashflow Overview .....................................................................................................53 Add a Bill or Income ............................................................................................................ 54 Net Worth ....................................................................................................................55 Add an Unlinked Asset or Debt.......................................................................................... 56 Goals.............................................................................................................................57 Adding Goals ........................................................................................................................ 58 Save for Goals....................................................................................................................... 58 Pay Off Goals ........................................................................................................................ 59 Add a Goal Alert ................................................................................................................... 60 Managing Goals ................................................................................................................... 61 Security Protecting Your Information......................................................................................62 General Guidelines .............................................................................................................. 62 Login ID and Password........................................................................................................ 62 Fraud Prevention ................................................................................................................. 62 Login Settings ..............................................................................................................63 Change Username ............................................................................................................... 63 Change Password ................................................................................................................ 64 Change Security Questions................................................................................................. 65 Recent Logins ..............................................................................................................66 Mobile Security Preferences......................................................................................67 Enabling Biometric Sign-In.................................................................................................. 67 Enabling FaceID.................................................................................................................... 68 Enabling PIN Login......................................................................................................69 Auto-Login....................................................................................................................70 Alerts Alerts Overview ...........................................................................................................71 Custom Alerts....................................................................................................................... 72 Business Banking Alerts...................................................................................................... 73 Bill Pay Alerts........................................................................................................................ 74 Security Alerts ...................................................................................................................... 75 Triad PFM Alerts................................................................................................................... 76 Turning Alerts On and Off................................................................................................... 77 Editing or Deleting Alerts ...........................................................................................78 Previous Alerts ............................................................................................................79 Move Money Move Money Overview...............................................................................................80 Bill Pay Enrollment......................................................................................................81

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Adding a Payee............................................................................................................83 Bill Pay Payee - Company.................................................................................................... 83 Bill Pay Payee - Individual ................................................................................................... 86 Favoriting a Payee................................................................................................................ 89 Editing a Payee ..................................................................................................................... 90 Deleting a Payee .................................................................................................................. 91 New Transaction .........................................................................................................92 Transferring Money Between Your Accounts................................................................... 92 Making a Loan Payment...................................................................................................... 94 Making a Bill Pay Payment.................................................................................................. 96 Editing Transfers/Payments ............................................................................................... 98 Skip Transfers/Payments .................................................................................................... 99 Deleting Transfers/Payments.......................................................................................... 100 Deposit Checks Remote Deposit ....................................................................................................... 101 Services Locations................................................................................................................... 102 Secure Message Overview ...................................................................................... 103 Sending a Secure Message ..................................................................................... 104 Submit a Form................................................................................................................... 105 Documents ............................................................................................................... 106 Document Enrollment...................................................................................................... 106 Viewing Documents.......................................................................................................... 107 Stop Payment ........................................................................................................... 108 Single Check ...................................................................................................................... 108 Multiple Checks ................................................................................................................ 110 ACH .................................................................................................................................... 112 Settings Contact Settings ....................................................................................................... 114 Adding a New Phone ........................................................................................................ 114 Editing a Phone ................................................................................................................. 115 Deleting a Phone............................................................................................................... 116 Editing an Email Address ................................................................................................. 117 Sub-Users Sub-Users Overview ................................................................................................ 118 Sub-Users Overview ......................................................................................................... 119 Adding a New Sub-User .................................................................................................. 120

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Editing a Sub-User ................................................................................................... 122 Part 1: Editing Sub-User Access....................................................................................... 123 Part 2: Editing Sub-User Limits........................................................................................ 124 Part 3: Editing Sub-User Authentication ........................................................................ 125 Deleting a Sub-User................................................................................................. 126 Company Management Company Management Overview ......................................................................... 127 Adding Participant to an Existing Company ......................................................... 128 Uploading Participants..................................................................................................... 130 Adding a Sub-User ............................................................................................................ 131 Editing a Company................................................................................................... 132 ACH New ACH Batch ........................................................................................................ 133 Part 1: Creating an ACH Batch......................................................................................... 133 Part 2: Adding an Existing Participant ............................................................................ 135 Part 3: Adding a Detailed Record .................................................................................... 136 Part 4: Finalizing the ACH Batch...................................................................................... 138 Part 5: Scheduling the ACH Batch................................................................................... 139 Part 6: Reviewing the ACH Batch .................................................................................... 140 Part 7: Multi-Factor Authentication ................................................................................ 141 Creating an ACH Template ..................................................................................... 142 Part 1: Creating an ACH Template .................................................................................. 142 Part 2: Adding an Existing Participant ............................................................................ 144 Part 3: Adding a Detail Record ........................................................................................ 145 Part 4: Finalizing an ACH Template................................................................................. 147 Part 5: Reviewing an ACH Template ............................................................................... 148 Initiating a Template................................................................................................ 149 Part 1: Initiating a Template ............................................................................................ 149 Part 2: Scheduling an ACH Batch .................................................................................... 151 Part 3: Reviewing an ACH Batch...................................................................................... 152 Part 4: Multi-Factor Authentication ................................................................................ 153 Editing an ACH Template ........................................................................................ 154 Deleting an ACH Template...................................................................................... 155 ACH File Upload ....................................................................................................... 156 Creating a Template for Delimiter Separated File Uploads......................................... 158 Editing a Template for Delimiter Separated File Uploads............................................ 160 Deleting a Template for Delimiter Separated File Uploads ......................................... 161 Uploading a Delimiter Separated File............................................................................. 162 Editing an ACH Batch............................................................................................... 165 Deleting an ACH Batch ............................................................................................ 166

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Approving an ACH Batch......................................................................................... 167 Reversing an ACH Batch.......................................................................................... 168 Tax Payments ........................................................................................................... 170 Wires New Domestic Wire ................................................................................................. 171 Part 1: Recipient Information .......................................................................................... 172 Part 2: (Optional) Beneficiary and Intermediary Institutions ...................................... 173 Part 3: Schedule Wire Payment....................................................................................... 174 Part 4: Review Wire Payment .......................................................................................... 175 Part 5: Multi-Factor Authentication ................................................................................ 176 New International Wire ........................................................................................... 177 Part 1: Recipient Information .......................................................................................... 178 Part 2: (Optional) Intermediary Institutions................................................................... 180 Part 3: Schedule Wire Payment....................................................................................... 181 Part 4: Review Wire Payment .......................................................................................... 182 Part 5: Multi-Factor Authentication ................................................................................ 183 Creating a Domestic Wire Template...................................................................... 184 Part 1: Recipient Information .......................................................................................... 184 Part 2: (Optional) Beneficiary and Intermediary Institutions ...................................... 186 Part 3: Template Name .................................................................................................... 187 Part 4: Review Wire Template ......................................................................................... 188 Creating an International Wire Template ............................................................. 189 Part 1: Recipient Information .......................................................................................... 189 Part 2: (Optional) Intermediary Institutions................................................................... 192 Part 3: Template Name .................................................................................................... 193 Part 4: Review Wire Template ......................................................................................... 194 Initiating a Template................................................................................................ 195 Part 1: Initiating a Template ............................................................................................ 195 Part 2: Scheduling a Wire................................................................................................. 196 Part 3: Reviewing a Wire .................................................................................................. 197 Editing a Wire Template .......................................................................................... 198 Deleting a Wire Template ....................................................................................... 200 Editing a Wire ........................................................................................................... 201 Deleting a Wire......................................................................................................... 202 Approving a Wire ..................................................................................................... 203 Rejecting a Wire........................................................................................................ 204 Wire History.............................................................................................................. 205 Positive Pay Introduction.............................................................................................................. 206

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Manually Add a Check............................................................................................. 207 Check Upload Templates ........................................................................................ 209 Fixed Length Template..................................................................................................... 209 Delimiter Separated Template ........................................................................................ 211 Edit Upload Templates ............................................................................................ 213 Manually Add Checks Via Upload .......................................................................... 215 Managing Exceptions .............................................................................................. 217 Historical Decisions ................................................................................................. 218 Filters......................................................................................................................... 219 Add Email Address to Receive Notifications.................................................................. 219 Add an Allowed Company................................................................................................ 220 Manage Allowed Companies........................................................................................... 221 Actions for Unlisted Companies...................................................................................... 222 Block an ACH Item ............................................................................................................ 223 Manage Blocked Items..................................................................................................... 224 Manage Watch List............................................................................................................ 225 Manage Watch List............................................................................................................ 226 Reports Creating a New Report ............................................................................................ 227 Running an Existing Report .................................................................................... 228 Editing a Report........................................................................................................ 229 Deleting a Report ..................................................................................................... 230 Autobooks Overview ................................................................................................................... 231 Send an Invoice ........................................................................................................ 232 Send a Recurring Invoice ........................................................................................ 234 Edit Invoice Draft...................................................................................................... 236 Mark Invoice as Paid................................................................................................ 237 Copy Invoice ............................................................................................................. 239 Email Invoice............................................................................................................. 241 Cancel Invoice........................................................................................................... 242 Edit Recurring Schedule .......................................................................................... 243 Pause Recurring Schedule ...................................................................................... 245 Resume Recurring Schedule................................................................................... 246 Cancel Recurring Schedule ..................................................................................... 247 Export Invoices......................................................................................................... 248 New Estimate............................................................................................................ 249 Edit an Estimate ....................................................................................................... 251 Email an Estimate .................................................................................................... 253 Create an Invoice from an Estimate ...................................................................... 254

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Cancel an Estimate .................................................................................................. 256 Export Estimates ...................................................................................................... 257 Add a Customer ....................................................................................................... 258 Import Customers.................................................................................................... 259 Export Customers .................................................................................................... 260 Edit a Customer........................................................................................................ 261 Archive a Customer ................................................................................................. 263 Invoice Balance Details............................................................................................ 265 New Product/Service ............................................................................................... 266 Edit Product/Service ................................................................................................ 267 Delete Product/Service............................................................................................ 269 Invoice Settings ........................................................................................................ 270 Edit Invoice Reminders and Fees .................................................................................... 271 Payment Form Settings........................................................................................... 273 Share Your Payment Form Link ............................................................................. 274 Email Your Payment Form Link.............................................................................. 275 Payments .................................................................................................................. 276 Refund a Payment ................................................................................................... 277 Cancel a Payment .................................................................................................... 278 Reports...................................................................................................................... 279

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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 bank or company policy, you may need to set up your sub-users and/or companies before jumping into our state-of-the-art system. Sub-Users 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. You can customize which employees get access to different features or accounts within Business Online Banking by establishing user entitlements. Companies Companies are different entities owned or managed by one master user. Business Online Banking allows you to manage your companies, offering centralized control to the parent company with the convenience of a single banking system.

Getting Started: Business Online Banking Overview

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Getting Started Logging In

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

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

Getting Started: Logging In

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

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

session. We may also log you off due to inactivity. 1. Click the Log Out tab in the sidebar menu.

Getting Started: Logging In

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Getting Started Multi-Factor Authentication

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

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

Getting Started: Multi-Factor Authentication

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

9. Decide if you will use Duo Mobile by clicking the Use Duo Mobile button or skip this step by clicking the Skip This Step button. Duo Mobile is an optional application that helps you authenticate your login. For more information go to page 14. If not using Duo Mobile, continue to the next step. 10. (Optional) Click the Add Another Device button to add another device. 11. Click the Complete Setup button when you are finished. Logging Off For your security, you should always log off when you finish your Online Banking

session. We may also log you off due to inactivity. 1. Click the Log Out tab in the sidebar menu.

Getting Started: Multi-Factor Authentication

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

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

Getting Started: Multi-Factor Authentication

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

Getting Started: Multi-Factor Authentication

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Getting Started Resetting a Forgotten Password

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

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1. Click the “Forgot Password” link. 2. Enter your username and click the Continue button. 3. Answer the security question and click the Send Reset Link button. 4. An email will be sent to you. Follow the instructions to reset your password.

Getting Started: Resetting a Forgotten Password

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Getting Started Retrieve a Forgotten Username

If you happen to forget your username, you can easily retrieve it from the Triad Bank Home page—no need to call us!

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1. Click the “Forgot Username” link. 2. Enter your email address and click the Continue button. 3. Answer the security question and click the Submit button. 4. Your username will be displayed. Click the Ok button to log in.

Getting Started: Retrieve a Forgotten Username

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Getting Started Transaction Type Overview

Various types of payment methods are offered through Business Online Banking including wire and ACH transfers. Though both methods are quick, electronic payments, wires are the fastest way to transfer money between accounts. ACH transactions can be sent as a single or batch process, and funds are generally not available until the next business day. Please contact us at 314-993-4333 for a full list of wire and ACH fees or if you have any questions.

Getting Started: Transaction Type Overview

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Accounts Dashboard Overview

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

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Accounts: Dashboard Overview

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A. The navigation bar appears in every view on the left side of the screen. You can navigate to Online Banking features by selecting the appropriate tab. B. View a list of ACH and wire transactions or positive pay exceptions that require your attention. For more information about ACH transactions, go to page 133, for more information about wire transactions, go to page 171 or for more information about positive pay, go to page 206. C. Your accounts are displayed in an account tile with their balance. If you click

an account tile, you are taken to the Account Details page. D. Export your accounts into a different format by clicking the

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icon opens the search bar to find transactions with that account.

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icon to add a new account. Go to page 24 for more information.

G. Quick links let you quickly access different features. H. Quick Pay allows you to quickly pay your favorite payees. Payees marked as favorites appear here. Go to page 34 for more information. I. View your monthly checking, savings and loan activity on a graph.

Accounts: Dashboard Overview

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Accounts Account Details Overview

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

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Accounts: Account Details Overview

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A. On the dashboard, click on an account tile to view the Account Details screen. B. The available balance of your account is displayed in the top left corner. C. Export your transactions into a different format by clicking the icon. D. The icon opens the search bar to sort and find transactions within that account. E. Use the “Sort” link to sort your transactions. F. The Statements button allows you to enroll in and access digital statements. Go to page 106 for more information. G. The Stop Payment button allows you to stop a pending check payment. Go to page 108 for more information. H. You can view more details about a transaction by clicking on it. I. More details about the account are displayed in the upper right corner. Click the icon to view additional details.

Accounts: Account Details Overview

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Accounts Transaction Details

Access additional details about your transactions.

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

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A. Click the icon to download transaction details. B. Click the “+ Attach Image(s)” link to add an image to a transaction.

Accounts: Transaction Details

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Accounts Adding a New Account

Open a new account with Triad Bank or link your accounts at other financial institutions, so you can transfer money between your accounts without ever leaving home!

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Click the View Accounts tab. 1. Click the icon.

2. For information about adding an account to Triad PFM, go to page 25. 3. For information about adding an external account, go to page 26.

Accounts: Adding a New Account

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Adding an Account to Triad PFM Your Triad Bank accounts are automatically linked to Triad PFM. You can also aggregate your external accounts. For more information about Triad PFM go to page 40.

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1. Click the Triad PFM button. 2. Locate your financial institution using the list or the search bar. 3. Select an account type. 4. Enter your user ID and password, and click the Connect button to finish linking an account. Accounts: Adding a New Account

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Adding an External Account Your accounts at other financial institutions can be linked to Online Banking with Triad Bank, so you can transfer money between two financial institution accounts that you own without ever leaving home! When you go to add another account, you are asked to verify your ownership of that account. To verify an external account. • Bank Approval: External Account will be presented to bank admin for approval.

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Accounts: Adding a New Account

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

Accounts: Adding a New Account

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

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

Accounts: Adding a New Account

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Accounts Organize Dashboard

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

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

Accounts: Organize Dashboard

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Rename Accounts

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

Accounts: Organize Dashboard

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Hide/Unhide Accounts

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

Accounts: Organize Dashboard

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Hide/Unhide Dashboard Tiles

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

Accounts: Organize Dashboard

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

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

Accounts: Organize Dashboard

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Accounts Quick Pay

Quickly send transfers to your favorite payees. Selecting Favorite Payees

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Click the View Accounts tab. 1. Click the icon. 2. Check or uncheck the boxes next to the payees to add or remove them as favorites. 3. Click the Save button.

Accounts: Quick Pay

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Bill Pay

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8 Click the View Accounts tab. 1. Click the bill you would like to pay. 2. Select an account. 3. Enter the amount to transfer.

4. Use the calendar feature to select a date. 5. Use the drop-down to select a frequency. 6. For recurring transfers, select an end date or number of payments. 7. Enter a check memo. 8. Click the Continue button. 9. Review the transfer information and click the Submit button.

Accounts: Quick Pay

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10. Click the Set Up Another Payment button to send another transfer. 11. Click the Print/Save Confirmation(s) button to print and/or save the confirmation.

Accounts: Quick Pay

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External Account

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Click the View Accounts tab. 1. Click the person you would like to send money to. 2. Select an account. 3. Enter an amount to transfer. 4. Use the calendar feature to select a date. 5. Use the drop-down to select a frequency. 6. (Optional) Enter a note. 7. Click the Continue button when you are finished.

Accounts: Quick Pay

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8. Review the transfer information and click the Submit button. 9. Click the Set Up Another Transfer button to send another transfer. 10. Click the Print/Save Confirmation(s) button to print and/or save the confirmation.

Accounts: Quick Pay

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Accounts Monthly Activity

Your monthly activity is displayed using a line graph.

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Click the View Accounts tab. A. Each line represents a different type of account.

Accounts: Monthly Activity

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Triad PFM Initial Setup

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

Triad PFM: Initial Setup

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

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

Triad PFM: Initial Setup

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

Triad PFM: Initial Setup

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

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

Triad PFM: Initial Setup

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

Triad PFM: Initial Setup

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Triad PFM Triad PFM Dashboard

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

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

Triad PFM: Triad PFM Dashboard

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