Triad Bank Digital Banking User Guide

T B Y B T 9

Digital Banking User Guide

TriadBanking.com 314-993-4333

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

St. Louis, MO 63021 www.mcompany.com

© 2009–2025 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

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 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 Editing Favorite Accounts...........................................................................................29 Organize Dashboard ..................................................................................................30 Reorder Accounts ................................................................................................................ 30 Rename Accounts ................................................................................................................ 31 Hide/Unhide Accounts ........................................................................................................ 32 Hide/Unhide Dashboard Tiles ............................................................................................ 33 App Appearance................................................................................................................... 34 Favorite Payees ...........................................................................................................35 Selecting Favorite Payees.................................................................................................... 35 Triad PFM Initial Setup..................................................................................................................36 Tagging Transactions........................................................................................................... 37 Splitting a Transaction......................................................................................................... 39 Triad PFM Dashboard.................................................................................................41 Spending by Category ................................................................................................42 Budget ..........................................................................................................................44 Adding Budgets.................................................................................................................... 45 Managing Budgets............................................................................................................... 46 Add a Budget Alert............................................................................................................... 48

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Cashflow Overview .....................................................................................................49 Add a Bill or Income ............................................................................................................ 50 Configure Accounts ............................................................................................................. 51 Bills and Income................................................................................................................... 52 Net Worth ....................................................................................................................53 Add an Unlinked Asset or Debt.......................................................................................... 54 Goals.............................................................................................................................55 Adding Goals ........................................................................................................................ 56 Save for Goals....................................................................................................................... 56 Pay Off Goals ........................................................................................................................ 57 Add a Goal Alert ................................................................................................................... 58 Managing Goals ................................................................................................................... 59 Security Protecting Your Information......................................................................................60 General Guidelines .............................................................................................................. 60 Login ID and Password........................................................................................................ 60 Fraud Prevention ................................................................................................................. 60 Login Settings ..............................................................................................................61 Change Username ............................................................................................................... 61 Change Password ................................................................................................................ 62 Change Security Questions................................................................................................. 63 Recent Logins ..............................................................................................................64 Mobile Security Preferences......................................................................................65 Enabling Biometric Sign-In.................................................................................................. 65 Enabling FaceID.................................................................................................................... 66 Enabling PIN Login......................................................................................................67 Auto-Login....................................................................................................................68 Alerts Alerts Overview ...........................................................................................................69 Custom Alerts....................................................................................................................... 70 Business Banking Alerts...................................................................................................... 71 Bill Pay Alerts........................................................................................................................ 72 Security Alerts ...................................................................................................................... 73 Triad PFM Alerts................................................................................................................... 74 Turning Alerts On and Off................................................................................................... 75 Editing or Deleting Alerts ...........................................................................................76 Previous Alerts ............................................................................................................77

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Move Money Move Money Overview...............................................................................................78 Bill Pay Enrollment......................................................................................................79 Adding a Payee............................................................................................................81 Bill Pay Payee - Company.................................................................................................... 81 Bill Pay Payee - Individual ................................................................................................... 83 Favoriting a Payee................................................................................................................ 86 Editing a Payee ..................................................................................................................... 87 Deleting a Payee .................................................................................................................. 88 New Transaction .........................................................................................................89 Transferring Money Between Your Accounts................................................................... 89 Making a Loan Payment...................................................................................................... 91 Transferring Money to Another Person (P2P) .................................................................. 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 ....................................................................................................... 115 Adding a New Phone ........................................................................................................ 115 Editing a Phone ................................................................................................................. 116 Deleting a Phone............................................................................................................... 117 Editing an Email Address ................................................................................................. 118

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Sub-Users Sub-Users Overview ................................................................................................ 119 Linking Sub-Users To a Company .......................................................................... 123 Removing a Sub-User From a Company ............................................................... 124 Editing a Sub-User ................................................................................................... 126 Part 1: Editing Sub-User Access....................................................................................... 127 Part 3: Editing Sub-User Authentication ........................................................................ 129 Deleting a Sub-User................................................................................................. 130 Company Management Company Management Overview ......................................................................... 131 Adding a Participant to an Existing Company ...................................................... 132 Editing a Company................................................................................................... 135 ACH New ACH Batch ........................................................................................................ 138 Part 1: Creating an ACH Batch......................................................................................... 138 Part 2: Adding an Existing Participant ............................................................................ 140 Part 6: Reviewing the ACH Batch .................................................................................... 145 Creating an ACH Template ..................................................................................... 147 Part 1: Creating an ACH Template .................................................................................. 147 Part 2: Adding an Existing Participant ............................................................................ 149 Initiating a Template................................................................................................ 154 Part 1: Initiating a Template ............................................................................................ 154 Part 3: Reviewing an ACH Batch...................................................................................... 157 Editing an ACH Template ........................................................................................ 159 Deleting an ACH Template...................................................................................... 160 ACH File Upload ....................................................................................................... 161 Deleting a Template for Delimiter Separated File Uploads......................................... 166 Editing an ACH Batch............................................................................................... 170 Deleting an ACH Batch ............................................................................................ 171 Approving an ACH Batch......................................................................................... 172 Reversing an ACH Batch.......................................................................................... 173 Tax Payments ........................................................................................................... 175 Wires New Domestic Wire ................................................................................................. 176 Part 2: (Optional) Beneficiary and Intermediary Institutions .............................................. 178 Part 3: Schedule Wire Payment................................................................................................ 179 New International Wire ........................................................................................... 182

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Creating a Domestic Wire Template...................................................................... 189 Part 1: Recipient Information .......................................................................................... 189 Part 2: (Optional) Beneficiary and Intermediary Institutions .............................................. 191 Part 3: Template Name.............................................................................................................. 192 Creating an International Wire Template ............................................................. 194 Part 1: Recipient Information .......................................................................................... 194 Initiating a Template................................................................................................ 200 Part 1: Initiating a Template ............................................................................................ 200 Part 2: Scheduling a Wire................................................................................................. 201 Editing a Wire Template .......................................................................................... 203 Deleting a Wire Template ....................................................................................... 205 Editing a Wire ........................................................................................................... 206 Deleting a Wire......................................................................................................... 207 Approving a Wire ..................................................................................................... 208 Rejecting a Wire........................................................................................................ 209 Wire History.............................................................................................................. 210 Positive Pay Introduction.............................................................................................................. 211 Manually Add a Check ............................................................................................. 212 Check Upload Templates ........................................................................................ 214 Fixed Length Template..................................................................................................... 214 Delimiter Separated Template ........................................................................................ 216 Edit Upload Templates ............................................................................................ 218 Manually Add Checks Via Upload .......................................................................... 220 Void Previously Issued Items.................................................................................. 223 Managing Exceptions .............................................................................................. 224 Historical Decisions ................................................................................................. 226 Filters......................................................................................................................... 227 Add Email Address to Receive Notifications.................................................................. 227 Add an Allowed Company................................................................................................ 228 Manage Allowed Companies........................................................................................... 229 Actions for Unlisted Companies...................................................................................... 230 Block an ACH Item ............................................................................................................ 231 Manage Blocked Items..................................................................................................... 232 Manage Watch List............................................................................................................ 233 Reports Creating a New Report ............................................................................................ 235 Running an Existing Report .................................................................................... 236 Editing a Report........................................................................................................ 237 Deleting a Report ..................................................................................................... 238

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

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

Getting Started: Logging In

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Getting Started Multi-Factor Authentication

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

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Sign in to digital banking like normal at 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 two text messages with directions. 2. Click the “Download Mobile App” link. 3. This will take you to the app store. Click the Open button, then download the Duo Mobile app. 4. Go back to the text message and click the “Activate the Duo Mobile App” link which opens the Duo Mobile app.

Getting Started: Multi-Factor Authentication

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5. Agree to allow push notifications by clicking the Allow button. Once you agree, you will see the 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 “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 “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. Your accounts are displayed in an account tile with their balance. If you click an account tile, you are taken to the Account Details page. C. Click the View All Accounts button to view all of your accounts. D. Click the Add Account button to add a new account. Go to page 24 for more information. E. Click the “Manage Favorites” link to edit your favorite accounts. Go to page 32 for more information. F. Click the “Manage Tiles” link to edit the tiles that appear on the Dashboard. Go to page 32 for more information. G. 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. H. View a list of your recent transactions. Use the drop-down to select a different account. I. View a list of your upcoming transactions. Use the drop-down to select a different account. J. Favorite Payees allows you to quickly pay your favorite payees. Payees marked as favorites appear here. Go to page 39 for more information. K. Click the icon to hide or rearrange the dashboard tiles. Go to page 33 for more information.

Accounts: Dashboard Overview

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Accounts Account Details Overview

Selecting a 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. You can view more details about a transaction by clicking on it. G. Click the New Transaction button to create a new transaction. Go to page 89 for more information. H. More details about the account are displayed in the upper right corner. Click the icon to view additional details. I. The Statements button allows you to enroll in and access digital statements. Go to page 106 for more information. J. The Stop Payment button allows you to stop a pending check payment. Go to page 108 for more information.

Accounts: Account Details Overview

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Accounts Transaction Details

Access additional details about your transactions.

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

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

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 Dashboard tab. 1. Click Add Account button.

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 36.

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1. Click the Triad PFM button. 2. Click the Next button. 3. Locate your financial institution using the list or the search bar.

4. Click the Next button. 5. Log into your 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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1. Click the External Account button.

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 Editing Favorite Accounts

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

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

Accounts: Editing Favorite Accounts

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Accounts Organize Dashboard

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

Reorder Accounts

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

Accounts: Organize Dashboard

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Rename Accounts

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

Accounts: Organize Dashboard

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Hide/Unhide Accounts

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

Accounts: Organize Dashboard

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Hide/Unhide Dashboard Tiles

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

Accounts: Organize Dashboard

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

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

Accounts: Organize Dashboard

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Accounts Favorite Payees

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

Selecting Favorite Payees

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Click the Dashboard tab. 1. Click the icon and select “Edit Favorite Payees.” 2. Select or unselect the stars next to the payees to add or remove them as favorites. 3. Drag and drop to reorder favorited payees. 4. Go to page 99 for more information about person to person payments. 5. Go to page 96 for more information about bill pay payments. 6. Go to page 89 for more information about external account payments.

Accounts: Favorite Payees

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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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Triad PFM Spending by Category

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

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

Triad PFM: Spending by Category

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

Triad PFM: Spending by Category

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Triad PFM Budget

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

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

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

Triad PFM: Budget

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

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

Triad PFM: Budget

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

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

Triad PFM: Budget

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

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

Triad PFM: Budget

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Add a Budget Alert Create an alert for your budget.

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

Triad PFM: Budget

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Triad PFM Cashflow Overview

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

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Click the Triad PFM tab, then click the “View Cashflow” link. A. Income and bills are displayed on the calender. B. Click the icon to add a bill or income. Go to page 50 for more information. C. Click the icon and select “Configure Accounts” to select which accounts contribute to your cashflow. Go to page 51 for more information. Select “Bills & Income” to view a list of your bills and income. Go to page 50 for more information.

Triad PFM: Cashflow Overview

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

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

Triad PFM: Cashflow Overview

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Configure Accounts Select which accounts contribute to your cashflow.

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Click the Triad PFM tab, then click the “View Cashflow” link. 1. Click the icon and select “Configure Accounts” 2. Use the check mark boxes to select and unselect accounts.

Triad PFM: Cashflow Overview

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Bills and Income View a list of your bills and income.

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Click the Triad PFM tab, then click the “Bills & Income” link. 1. Click the icon and select “Configure Accounts” 2. Select a bill or income to view more information. 3. Make edits to your budget and click the Save button. 4. To delete a budget:

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

Triad PFM: Cashflow Overview

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Triad PFM Net Worth

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

A

B

C

D

Click the Triad PFM tab, then click the “View Net Worth” link. A. Click the arrows to view additional years. B. Click the “Assets” or “Liabilities” links to view more details about your net worth. C. Click on a data point to view your net worth during a specific month. D. Click the Add Asset or Add Liability buttons to link an account. To link a linked asset, click the Link Account button. Go to page 25 for more information about linking an account. For more information about adding an unlinked asset or debt go to page 26.

Triad PFM: Net Worth

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Add an Unlinked Asset or Debt

1

2

3

4

5

Click the Triad PFM tab, then click the “View Net Worth” link. 1. Click the Add Asset or Add Liability buttons 2. Click the Link Account button. 3. Enter a name. 4. Enter an amount. 5. Click the Save button.

Triad PFM: Net Worth

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Triad PFM Goals

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

D

C

A

B

Click the Triad PFM tab, then click the Add Goal button if this is your first time creating a goal or the “View Goals” link to view existing goals. A. Click the Add Goal button to add a new goal.

B. Click the Add Goal Alert button to add a new goal alert. C. Your goals appear as bar charts to track your progress. D. View your completed goals by clicking the Completed tab.

Triad PFM: Goals