Western Your Guide to Personal Online Banking

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Auto-generated Budgets..................................................................................................... 43 Budgets From Scratch ......................................................................................................... 43 Editing or Deleting a Budget............................................................................................... 44 Editing or Deleting a Sub-Budget....................................................................................... 46 Trends Overview .................................................................................................................. 47 Cash Flow Overview............................................................................................................. 48 Adding an Expense .............................................................................................................. 49 Adding Income ..................................................................................................................... 50 Editing, Deleting or Skipping a Cash Event ....................................................................... 51 Net Worth Overview ............................................................................................................ 52 Debts Overview.................................................................................................................... 53 Edit Annual Percentage Rate (APR) and Minimum Payment.......................................... 54 Extra Payments .................................................................................................................... 56 Security Protecting Your Information......................................................................................57 General Guidelines .............................................................................................................. 57 Login ID and Password........................................................................................................ 57 Fraud Prevention ................................................................................................................. 57 Change Password .......................................................................................................58 Mobile Security Preferences......................................................................................59 Enabling Biometrics............................................................................................................. 59 Enabling Passcode Authentication .................................................................................... 61 Enabling Face ID................................................................................................................... 62 Disabling Passcode Authentication, Touch ID, Fingerprint or Facial ID Login.............. 63 Apple Watch ®.............................................................................................................................................................................................. 64 Apple Watch ® Setup............................................................................................................. 64 Viewing Balances and Transactions .................................................................................. 64 Alerts Overview ...........................................................................................................65 Online Transaction Alerts ................................................................................................... 66 Security Alerts Overview ............................................................................................67 Editing Delivery Preferences............................................................................................... 67 Real-Time Alerts ..........................................................................................................68 Setting Up Real-Time Alerts ................................................................................................ 68 Enable/Disable Real-Time Alerts ........................................................................................ 69 Edit Real-Time Alerts............................................................................................................ 70 Real-Time Alerts Notification Settings............................................................................... 71 Push Notifications.......................................................................................................72 Enabling Push Notifications During Device Setup ........................................................... 73 Editing Push Notifications .................................................................................................. 74 Secure Message Overview .........................................................................................75 Sending a Secure Message ........................................................................................76