Online Banking User Guide

Bank of New Madrid
Internet Banking Basic Services
Getting Started Guide
11/10/2016
Online Banking Basic Services
User’s Guide
August 2016
Version 6.0
© 2001-2016 FIRST DATA CORPORATION
All Rights Reserved.
Printed in U.S.A.
This document contains confidential and proprietary information of First
Data Corporation. You may not disclose, copy or use any portion of these
materials for any purpose without the express written consent of First
Data Corporation.
All trademarks, service marks, and trade names referenced in this
material are the property of their respective owners.
Periodic revisions to this manual are issued to reflect technical changes
and enhancements to the System, and to ensure that all information
contained herein remains current and accurate.
3
Revision Guide August 2016
Topic Updated
Description of Change
All
Updated manual to use new standard document template.
Chapter 1: General
Information
Messages Tab: Updated screenshot.
Chapter 5: Transfers
Tab
Advanced Transfer Processing: Added Note that transfers to/
from the “One” account are processed as multiple individual
transfers.
Chapter 7: Messages  Navigating the Messages Tab: Updated Messages tab
Tab
screenshots here and elsewhere throughout chapter to
show enhanced user interface features.
 Accessing
Unread Messages: Updated first bullet item to
change name of column from Date-Time to Sent.
 Accessing
the Messages Inbox: Deleted bullet items for
unread and read message icons; added bullet item for
attachment icon; updated icon for message reply.
 Sending
New Messages: Updated step 6 to describe new
drag and drop attachment option, and to eliminate
confirmation page, adding step 7 to send message.
 Replying
to a Message: Deleted previous step 5 describing
confirmation dialog box.
 Deleting
Messages: Added that all messages can be
selected using check box in header on page 202.
Chapter 8: User
Services Tab
Sending A Secure Message: Updated step 6 to describe new
drag and drop attachment option and to eliminate
confirmation page, adding step 7 to send message.
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Table of Contents
Chapter 1: General Information 7
What’s in this Chapter 7
Basic Services 7
Access to Online Banking 14
Security Concerns 17
Frequently Asked Questions 20
Chapter 2: Quick Start 23
What’s in this Chapter 23
Logging In 23
Logging In With a Security Token 23
Automated Passcode Reset 24
Security Verification 29
User (Profile) Nickname Shortcuts 30
Navigation 32
Online Tips 35
Frequently Asked Questions 36
Chapter 3: Snapshot Tab 39
What’s in this Chapter 39
Introduction 39
Navigating the Snapshot Tab 39
Using the My Accounts Module 41
Using the My Transactions Module 43
Using the My Messages Module 44
Using the Make a One-Time Transfer Module 45
Using the Make a Payment Module 46
Using the View My Contact Information Module 47
Chapter 4: Accounts Tab 48
What’s in this Chapter 48
Navigating the Accounts Tab 48
Account Summary 49
Account Details 52
Account Statements and Documents 71
Account Statements with Electronic-only Delivery 78
Account Documents with Electronic-only Delivery 82
Account History 87
Account Transfers 116
Frequently Asked Questions 117
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Chapter 5: Transfers Tab 123
What’s in this Chapter 123
Navigating the Transfers Tab 123
Scheduling a New Transfer 125
Pending Transfers 129
Transfer History 133
External Transfers 136
Scheduling Loan Payments 139
Principal and Interest Loan Payments
Scheduling Multiple Transfers 146
Scheduling Advanced Transfers 150
Using Transfer Templates 156
Frequently Asked Questions 168
145
Chapter 6: Notify Me Alerts Tab 169
What’s in this Chapter 169
Introduction 169
Navigating the Notify Me Alerts Tab 169
Setting Up Delivery Modes 171
Setting Up Account Activity Alerts 172
Setting Up Messaging and Security Alerts 180
Editing Account Activity Alerts 183
Removing an Account Activity Alert 184
Editing Messaging and Security Alerts 185
Enrolling for Text Message Alerts 185
Viewing Alert History 188
Chapter 7: Messages Tab 190
What’s in this Chapter 190
Introduction 190
Navigating the Messages Tab 191
Accessing Unread Messages 193
Accessing the Messages Inbox 193
Accessing Sent Messages 194
Sending New Messages 195
Viewing Messages 197
Replying to a Message 200
Deleting Messages 201
Frequently Asked Questions 203
Chapter 8: User Services Tab 204
What’s in this Chapter 204
Navigating the User Services Tab 204
Adding and Editing Account Services 208
Adding a New Online Account 212
Entering an External Transfer Account Request
Changing Account Nicknames 224
Changing Your Contact Information 225
214
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Controlling E-Statement Delivery 231
Controlling E-Document Delivery 232
Controlling Delivery of Statements and Documents Jointly
Removing an Account 232
Mobile Management 235
Changing Marketing Preferences 236
Setting Your Start Page 237
Setting a Preferred Language 237
Customizing Your List Sorting 238
Updating Your Quick History 240
Changing Transaction Categories 241
Setting Batch Items Displayed per Page 244
Adjusting Font Size 245
Requesting a Stop Payment 246
Requesting Documents 251
Reordering Checks 253
Making a Secure File Transfer 254
Changing Your Access ID 256
Changing Your Passcode 260
Changing Security Verification Questions 262
Changing Security Code Delivery Preference 264
Security Tokens 267
Controlling Personal Finance Software Access 270
Sending a Secure Message 271
Obtaining Financial Institution Contact Information 273
Frequently Asked Questions 273
Chapter 9: Glossary
232
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Chapter 1: General Information
What’s in this Chapter
The Online Banking (OLB) system is the secure online web site that allows
users to manage their accounts online. This manual covers the basic retail
services offered, which are organized under six tabs: Snapshot, Accounts,
Transfers, Notify Me Alerts, Messages, and User Services.
The number of tabs you see depends on the services your financial institution
supports.

The Payments tab is present by default, but you cannot use it until you
sign up for Online Bill Pay services with your financial institution.

If your institution offers Cash Management services and you are a
commercial user, you also see a Cash Management tab. Refer to the
Online Business Banking Cash Management User’s Guide for more
information.

If your financial institution offers the Finance Center service, all users see
the Finance Center tab.

If your financial institution offers the PFM (Personal Financial Manager)
service, all users see the PFM tab.
Basic Services
Snapshot Tab
The Snapshot tab is the default Online Banking start page. It provides an
overview of your Online Banking accounts in a compact, simplified format.
Certain key functions can be performed right on the Snapshot tab. When you
need more detail or functionality than the Snapshot tab provides, it has links
to let you jump directly to the appropriate pages on other tabs.
On the Snapshot tab, you can:

View basic information on the accounts that are most important to you

Review recent transactions

See an overview of your PFM accounts, if you use the PFM service

See new messages that come into your message inbox
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
Make a one-time transfer

View your current contact information
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The Snapshot tab appears as follows.
Accounts Tab
Users can manage their online accounts using the Accounts tab. Depending on
the services your financial institution offers, users may be able to:

View account information, monthly statements, and transaction histories.

Transfer money between online accounts.

Download transaction histories into personal finance software, such as
Microsoft® Money and Intuit® Quicken®, or spreadsheets, such as Microsoft
Excel® and Lotus® 1-2-3®.

View loan rates and loan payoff details.

View credit card transaction histories.

View check images, statements, or other documents online.
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The Account Summary page—the main Accounts tab page—lists all available
online financial accounts, including the account balance and the date this
balance was obtained.
Refer to the Accounts Tab chapter for more information.
Transfers Tab
Users can schedule account-to-account funds transfers using the Transfers
tab. Depending on the services your financial institution offers, users have
access to the following features:

View and schedule account-to-account funds transfers.

View and schedule account-to-external account transfers.
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
View and print transfers histories.

Pay loan or credit card bills online.
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The Transfers tab allows users to view their pending account-to-account funds
transfers.
Refer to the Transfers Tab chapter for more information.
Notify Me Alerts Tab
Users can select and configure automatic notifications to be sent to them
when certain events occur using the Notify Me Alerts tab. The Online Banking
system provides three types of alerts. Account Activity alerts notify users of
events on their accounts, such as balances, transfers, and deposits.
Messaging alerts notify users of secure messages waiting for them on the
website. Security alerts notify users of events that could potentially affect
their online access.
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The Notify Me Alerts tab has a Contact Information section showing possible
delivery modes, and three sub-tabs to organize the different alert types.
On an alert-by-alert basis, users can control:

Which alerts they want to receive.

How alerts will be delivered:


To the Primary email address.

To the Secondary email address.

To a mobile device (provided the financial institution supports SMS text
messaging).
Parameters (such as dollar amounts) for certain alerts.
Refer to the Notify Me Alerts Tab chapter for more information.
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Messages Tab
Users can read notifications from the financial institution concerning their
accounts using the Messages tab. These messages can include answers to
emailed questions, responses to requests for technical help, or messages
generated automatically by the system, such as rescheduling a transfer due to
insufficient funds.
Users have access to the following services:

Read notifications from the financial institution.

Send secure—encrypted—messages to the financial institution.

Reply to received messages or broadcast messages from your financial
institution, or reply to system-generated alerts.

Send attachments with your messages.
The Messages tab appears as follows.
Refer to the Messages Tab chapter for more information.
User Services Tab
Users can access a variety of links to help manage their online accounts using
the User Services tab. Depending on the services your financial institution
offers, users have access to features including the following.

Add new online accounts or services.

Change passcodes and security verification question/answer.

Activate security tokens
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
Update address information.

Set an account to a “No View” state.

Reorder checks.

Order copies of documents, such as canceled checks, disclosure forms,
and loan agreements.

Request stop payments.

Customize your session.

Send questions or comments to the financial institution through encrypted
messaging.

Look up contact information for the financial institution.
The User Services tab appears as follows.
Refer to the User Services Tab chapter for more information.
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Access to Online Banking
Online Activation
Before you can use Online Banking, you must enroll online or in-person with
your financial institution. The online enrollment form has Online Help for users
filling out U.S. and non-U.S. addresses, joint accounts, access ID, passcode,
and validation question/answer. Once you have enrolled, you will be notified
by email when you can use your account.
For financial institutions that provide a real-time enrollment process, you will
be able to use your new online accounts immediately, because your
application is automatically processed by the system. Please check with your
financial institution if this is possible.
Access IDs
Access IDs are used to identify your account on the system. Depending on
your financial institution, you will either be assigned an access ID, or you will
be able to create your own when you apply online. Your access ID must meet
the following restrictions.
Your access ID:

Must be between 5 and 20 characters long.

May contain both letters and numbers.

Must be unique (no other user can have the same access ID).

Cannot contain a leading space, trailing space, or multiple consecutive
spaces.

Cannot contain non-printable ASCII characters, such as CTRL-C, etc.

Is case-sensitive (for example, “New York” and “new york” are two
different access IDs).
If you happen to choose an access ID that is already taken, you will be offered
another suggestion.
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Passcodes
Passcodes ensure that your financial information is safe and secure. When you
create or change a passcode, the system subjects it to a passcode cracker
program to ensure that the passcode meets basic security standards. Your
passcode must meet the following restrictions.
Your passcode:

Must be a minimum number of characters long (specified by your financial
institution). The suggested maximum length is 28 characters.

Must contain at least one numeric and one alpha character.

Can contain special characters (for example, @ # $ ^ &, etc.) Your
institution may require a special character.

Must not be based on any personal information you have provided to us.

Is case-sensitive (for example, “New York1” and “new york1” are two
different passcodes).

Cannot match any of the last several passcodes you have used, or match
any passcode you have used within the last several months.
See the Change Passcode page in User Services for your institution’s specific
requirements on passcode minimum length, special characters, and re-use
limits.
The passcode you choose is not visible on the online application, so even the
person reviewing the application at your financial institution cannot learn the
passcode. For instructions and examples of creating a valid passcode, refer to
chapter 8, User Services Tab.
When to Change Passcodes
Users are encouraged to change their passcode online every 90 days although
this is not enforced by the system. If you forget your passcode, you have
several options to reset your passcode, depending on the services your
financial institution offers its users. The first option is to call your financial
institution’s OLB Support to reset your passcode. They will verify your identity
and assign to you a new, temporary passcode that will expire in 2 days. Once
online, the system forces you to immediately change the temporary passcode
again to keep it secure.
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The second option, if offered by your financial institution, is to use the
Automated Passcode Reset feature to reset your own passcode. The
Automated Passcode Reset feature requires that you have a valid email
address and a security verification question and answer on file on the system.
The process will take you through various pages that will validate your
identity, and then present a page to reset your passcode. Once you have
created a new passcode, a secure email will be sent to your home email
address with a passcode reset confirmation code and a link that points to the
login page. You will be required to enter the passcode reset confirmation code
after logging on to the system with your new passcode.
Users Should Not Disclose Their Passcodes
Guard your passcode closely. You should not disclose the passcode to anyone,
not even to employees of your financial institution. OLB Support should not
ask for or receive your passcode. If anyone attempts to obtain it, or if you
have reason to believe that the security of a passcode has been compromised,
you should contact a supervisor at your financial institution immediately.
Note
Access IDs are case-sensitive. Thus, “johndoe” and “JOHNDOE”
are two different access IDs. Passcodes are also case-sensitive.
Thus, “apples1” and “APPLES1” are two different passcodes.
Security Verification Question and Answer
The Security Verification Question and Answer is used by your financial
institution and the system to identify users in the event that they forget their
access ID or passcode. Normally, the security verification question is set when
enrolling online. Users who do not have a security verification question and
answer on file can set it on the User Services page.
Three Strikes and Inactivity Time-out
Three Strikes
If a passcode is entered incorrectly three times in a row, your online account
is disabled. The fourth attempt will fail. You can restore access by calling your
financial institution’s OLB Support department and verifying that you were the
person making the repeated login attempts.
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Inactivity Time-out
By default, all sessions are locked after a period of inactivity to protect you if
you leave your computer unattended while logged on. The length of the
inactivity period is 10 minutes by default, but can be configured by the
institution. An inactivity warning pop-up dialog appears one minute before the
session is to be locked. You can cancel the time-out to indicate you are still
working by clicking OK in the dialog or resuming your activity (clicking a link
or menu, etc.)
If your session times out, you may be able to resume your session by just
entering your passcode, or you may need to log in again.
Security Tokens
A security token (also referred to as a key fob) is a physical device that
generates a six-digit code to be entered when you login. You may be required
by your financial institution to use a security token as an additional form of
authentication when logging in to Online Banking and/or conducting certain
transactions. If you are required to use a security token for authentication,
you will be notified by the financial institution on how to obtain your security
token.
Security Concerns
Cookies
A cookie is a very small text file sent by a web server and stored on a browser
so that it can be read back later. Cookies are a basic way for a server to
identify a user (cookies actually identify the computer you are using at the
time). Cookies are used for many things from personalizing start up pages to
facilitating Internet purchases.
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Myths About Cookies
Some myths about cookies include the following:

Cookies can “read” information about you from your hard drive, so they
can be used to “steal” information about you.

Cookies carry viruses.

Cookies are programs that can perform functions on your computer.
Cookies cannot do any of these things. Cookies do perform some very
important functions when you are online conducting your transactions.
Cookies Allow Multiple Processing
When you log into the system, a cookie enables the system to process
multiple transactions during the session without you having to provide an
access ID and passcode for each individual transaction.
Renewing Cookies
When you log out—or after a period of inactivity—the Online Banking session
cookie is no longer accepted and must be renewed by re-entering the
passcode. A new cookie is used for each session. That way, no one accessing
the same machine at a later time can take advantage of a prior cookie to get
into your account.
Digital Signature Authentication
The public key that the OLB (Online Banking) Processing Center provides to
your Internet browser comes with a digital signature that has been certified
by a third party. This process ensures that the transmission actually originated
from the OLB Processing Center and that the message contents were not
modified during the transmission of data between the two endpoints.
SSL Encryption
In addition to login security, the system uses Secure Socket Layer (SSL)
encryption technology for everything users do in the system. This technology
is automatically activated by an Internet browser when it connects to the
system.
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Note
An Internet browser indicates when it enters a secure session
by changing the URL to begin with “https://”.
Also, a small icon such as a padlock in the status bar or
address bar serves as a graphical indicator. Mozilla® Firefox®
and Microsoft Internet Explorer use
.
SSL protocol secures transmissions in three ways:

Only the intended recipient can read the message. Since all
information is encrypted during transit, it would appear as meaningless
symbols even if intercepted.

No one can tamper with messages in transit. Since the message is
encrypted, adding or attempting to change information would make the
entire communication unreadable.

No one can pose as the Processing Center. No intruder can send a
message posing as the Processing center, your financial institution, or
another user. Only messages encrypted with the correct key can be
decrypted and read by the recipient.
Public Key Cryptosystem
During the secured session, all communications are encrypted using the Public
Key Cryptosystem based on the public/private key pair concept. A public key
is provided to your Internet browser and is used to encrypt all information
sent from your PC. A private key at the OLB Processing Center decodes the
message and verifies the sender. All communications between you and the
OLB Processing Center are encrypted with these two keys.
Certification
In addition, servers at the OLB Processing Center have been certified by a
Certification Authority that will ensure that you are actually connecting to the
system, instead of someone pretending to be at the OLB Processing Center.
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Note
Users are required to use an Internet browser that supports
128-bit key lengths. The latest Internet browsers support
these security measures. The certificate authorities’ keys are
up-to-date on these browsers.
Frequently Asked Questions
Q: What security measures are taken to prevent sensitive information
from being intercepted online?
A: We have designed a distributed security network that ensures protection
throughout the process. Distributed security means that rather than relying
on one security measure we rely on several. Among those we use are
authentication, encryption, and automatic time-outs.
All sessions are encrypted. That means your passcode and all the information
relating to you and your accounts employ some of the strongest forms of
cryptography that are commercially available for use over the Internet. If for
any reason your secure session ends, your session terminates automatically.
When information is sent via the Internet, the information is broken down into
separate packages—called packets—before leaving your computer. These
packets are reassembled when they reach the Online Banking system. Since
millions of packets are sent over the Internet at any given moment, it would
be extremely difficult for a hacker to find all those relating to you.
Your name and full account number are never sent over the Internet. So even
if someone intercepts a transmission, the information obtained wouldn’t be
useful.
Q: What is encryption?
A: Encryption is the process of turning meaningful words and numbers into a
coded language. Encryption software can turn your account information into
gibberish that can be understood only by you and your financial institution.
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Q: How does encryption work?
A: Everything that travels through cyberspace during your session becomes a
string of unrecognizable numbers before entering the Internet. Only system
computers and your Internet browser understand the mathematical formulas
that turn your banking session into numeric code, and then back to
meaningful information.
Q: How do I know if my banking session is encrypted?
A: Your banking session is encrypted when the URL address begins with
“https://”. This indicates the site is secure. Browsers also indicate security
status in a graphical manner, with an icon or something similar. Microsoft
Internet Explorer and Mozilla Firefox use a padlock icon ( ) in the address
bar or status bar. Double-click on this item to get more detailed security
information. If for some reason your secure session ends, your banking
session terminates.
Q: What type of encryption do I need?
A: We require you to use 128-bit (domestic or U.S. grade) encryption, which
is available on the latest versions of web browsers.
Q: How often do I have to change my passcode?
A: Change your passcode as often as you like. However, we strongly
recommend that you change your passcode immediately if you suspect it has
been compromised. (Your institution may require you to change your
passcode periodically.) To change your passcode, use the Change Passcode
link on the User Services tab.
Q: How do I exit securely?
A: To exit securely:
1. Click the Log Out link at the top of the screen.
The Login page appears.
2. Close your browser.
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Q: What can I do to maximize security on this site?
A: You are responsible for securing your information while it is on your
computer. Here are some things you can do:

Choose a good passcode that is hard to guess. Your online
passcode and access ID authenticate you when you begin a session.

Keep your passcode safe. Memorize your passcode. Do not share it
with anyone (including OLB Support or your financial institution) The
best passcode is useless if it is written on a note attached to your
computer.

Look at your last login. Make sure it matches when you last logged
in, so you can be sure no one else has accessed your account.

Change your passcode regularly. The beginning of a session is a
good time to do this.

Exit securely. You may not always be at your personal computer at
home. If you forget to do so, the system will automatically log you out
after 10 minutes of inactivity. This will prevent anyone from pressing
the Back button to view your account information. (Refer to the
preceding FAQ, “How do I exit securely?”)
Q: Why is secure messaging necessary?
A: It is necessary to keep your personal and account information private.
However, even in a secure message, never share your passcode.
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Chapter 2: Quick Start
What’s in this Chapter
The system provides a simple interface to manage your online accounts, pay
your bills, transfer money, or send messages to your financial institution. This
chapter presents basic information to navigate the Online Banking web site.
Logging In
The login procedure is necessary to identify authorized users of the service
and tells the system which accounts to display.
To log in to your account:
1. Go to your financial institution’s web site. Find and click the Online
Banking login link or login module. It may be at the top, side, or bottom of
the web page.
The Online Banking Login page appears.
2. In the Access ID box, type your access ID.
3. In the Passcode box, type your passcode, and click Log In.
The icon
appears in the Passcode field to alert you if your keyboard
has Caps Lock set to on.
The Online Banking web site appears.
Note
If a passcode is entered incorrectly three times in a row, your
access is disabled. A fourth attempt will fail. You can restore
access using the Automated Passcode Reset process if
available, or by calling your financial institution’s OLB Support
department and verifying that you were the person making
the repeated login attempts.
Logging In With a Security Token
You may be required by your financial institution to use a security token as an
additional form of authentication when logging in to Online Banking and/or
conducting certain transactions.
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To log in to your account with a security token:
1. Enter the access ID and passcode as described above.
The Additional Authentication Required page appears.
2. Enter the security code displayed on your security token in the Security
Code field.
3. Click Continue.
The system verifies that the security code is valid, after which you are
given access to your Online Banking services.
There are other times you may be required to enter a security code after
logging in with your access ID and passcode.

When your Online Banking session has timed out due to inactivity.

When you are attempting to access a transaction screen, such as the
Account Detail, Transfers, or Stop Payment screens.
Automated Passcode Reset
The Automated Passcode Reset feature allows online users who have
forgotten their passcodes to automatically reset them by clicking a link on the
Login page.
To use this feature, the following prerequisites must be met:

Your financial institution must offer this feature to its users. If your
financial institution does not offer this service, you must contact your
financial institution to have your passcode reset for you.

Your financial institution should have the feature turned on for you.

You must have a valid email address on file.
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
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You must have a security verification question and answer on file. If you
do not have a security question and/or answer set in the system or if you
are not sure, you can go to the User Services page to change it.
The Passcode Reset process involves entering security information to ensure
that a passcode has not been reset by hackers. You must have your access ID,
social security (or tax ID) number, and an account number ready to verify
your account.
To reset your passcode using the Auto Passcode Reset feature:
1. If you forget your passcode when logging in to the system, click the
Forgot Passcode or Reset your passcode? links.
The Account Validation page appears.
2. On the Account Validation page, enter your access ID, social security
number (or tax ID number), an account number, and then click Submit.
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You will be allowed three (3) unsuccessful attempts, after which you must
contact your financial institution to have your passcode reset.
If your account information was correct, the Verification Question page
appears.
3. On the Security Verification Question page, enter the answer to your
Security Questions in the Security Answer box, and then click Submit.
The Reset Your Passcode page appears.
4. On the Reset Your Passcode page, enter a new passcode in the Passcode
box, re-enter it in the Verify Passcode box, and then click Submit.
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Note
The icon
appears in the Passcode fields to alert you if your
keyboard has Caps Lock set to on.
The Passcode Reset Confirmation page appears.
5. On the Security Code via Email page, click Send Code Now to send an
email containing a security code to your primary email address.
A confirmation page appears briefly, then the login page appears again.
You will receive a confirmation email that contains a Passcode Reset
Confirmation code and a link to the Passcode Reset Confirmation page.
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6. Open your Passcode Reset Confirmation email message, record your
Passcode Reset Confirmation code, and then click the link in the email
message.
The Login page appears.
7. On the Login page, enter your access ID, new passcode, and then click
Log In.
The Passcode reset Confirmation page appears.
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8. On the Passcode Reset Confirmation page, enter your Passcode Reset
Confirmation code, and then click Submit.
Your default page Start Page appears. You have successfully changed your
passcode.
Note
If you do not have an email address and the required security
verification question and answer on file, you will see the
Automated Passcode Security Requirements page each time after
logging in to the system. You can also update your email address
on this page.
Security Verification
If there is no activity on your session for a period of time, the Inactivity
Time-out warning dialog box appears. If you do not click OK on the warning,
the session times out to prevent someone else from using your account.
Depending on institution configuration, a timed-out session may be locked, or
the session may be ended, requiring you to log in again.
If the session has been locked, a Security Verification page appears when you
try to continue working.
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To access your account after a session lockout:
1. In the Passcode box, type your passcode, then click Enter to continue.
2. If you have finished, click Exit to end the session. This prevents someone
else from accessing your online account.
User (Profile) Nickname Shortcuts
Next to the Log Out link at the top of every Online Banking page is your user
nickname.
The user nickname identifies the logged in user. It is a quick way of verifying
what information is being displayed for users who may have multiple Online
Banking logins with different accounts and/or user preferences.
The nickname is also a link that opens a menu with shortcuts that let you
quickly edit some basic features of your user profile.
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The menu provides the following options. The options below Update
Nickname are shortcuts to the relevant edit page within User Services,
covered in the referenced sections of chapter 8.

Change your nickname
You can set the user nickname to whatever you want and edit it at any
time. When you log in to Online Banking for the first time, the nickname
link is set by default from your name on file. Click Update Nickname to
open the Profile Nickname Settings dialog:
If you had already set up a nickname, it appears here. Enter or edit the
nickname as necessary and click Update. The nickname you set appears
as a link on all Online Banking pages, but does not appear on statements
or any other account records.

Change your access ID (if your institution offers this feature) – Refer to
Changing Your Access ID

Change your passcode – Refer to Changing Your Passcode

Change your contact information – Refer to Changing Your Contact
Information

Change your security questions and answers – Refer to Changing Security
Verification Questions
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Navigation
Tabs
Basic retail services are organized under six tabs: Snapshot, Accounts,
Transfers, Notify Me Alerts, Messages, and User Services. The number of tabs
you see depends on the services your financial institution provides you. The
Payments tab is present by default, but cannot be used until you sign up for
the service at your financial institution. The Finance Center and PFM tabs are
options that may or may not be offered by a given financial institution.
To use a service, click the appropriate tab:

Snapshot tab. Get a quick overview of your accounts, and use shortcuts
to certain key Online Banking features on other tabs.

Accounts tab. Manage your accounts by viewing account balances,
statements, and histories; transfer funds between your own online
accounts; download data into a spreadsheet; and view and print check
images.

Transfers tab. Move money between your online accounts or between
your online accounts and accounts at another financial institution.

Notify Me Alerts tab. Select events for which you want automatic
notifications sent to you. Specify alert types, delivery modes for the
notifications (email address(es) and/or mobile device) and parameters for
individual alerts.

Messages tab. Read notifications and send secure messages to your
financial institution.

User Services tab. Request stop payments on checks, reorder checks,
change your passcode, change your security verification question/answer,
update your contact information, set an account to “No View” status,
update user preferences, request documents, use secure file transfer, and
request assistance from OLB Support at your financial institution.
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Note
If your institution offers Cash Management services and you
are a commercial user, you may also see a Cash Management
tab. Refer to the Online Business Banking Cash Management
User’s Guide for more information.
Help
Context-specific online help is available on every page. Context-specific Help
provides information for the page that you are looking at. General help is also
available within the help system to provide an overview of the features and
functions of Online Banking.
To access context-specific help from any page, click the Help icon on that
page. A separate browser Help window opens, explaining the page that you
are viewing. The navigation panel on the left-hand side of the Help window
has links to other topics, including General Help and Frequently Asked
Questions (FAQs).
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Online Banking Support (OLB Support)
If you have any general questions, problems, or comments about your
accounts or this site, you can use secure messaging to contact OLB Support at
your financial institution. Because the message is encrypted, you can discuss
your financial information securely.
Note
Never tell your passcode to anyone. OLB Support does not need
it to help you.
To send a secure message to your financial institution’s OLB Support:
1. Click the Messages tab.
2. On the Messages page, click Contact Us in the I want to menu.
The Send a Message page appears.
3. In the Regarding list, select the account that you are inquiring about, or
select “Other” if it concerns some other issue. This field is required.
4. In the Category list, select the message type. This field is required and
helps the system transmit the message to the responsible OLB Support
representative at the financial institution.
5. In the Subject box, type a few words to identify your message. This field
is required and has a maximum length of 40 characters.
6. In the Message box, type your message. Do not include your passcode in
the message. OLB Support does not need it to help you.
7. Click Send Message.
A confirmation page appears.
8. Review your message, then click Confirm.
Your message is sent to your financial institution.
Logging Out
It is important to log out correctly to protect your account. If you step away
from your computer while you are logged in, someone could see, or even
change, your confidential information.
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To securely log out from your session:
1. Click the Log Out link at the top of the page.
The Login page appears.
2. Close your web browser to clear your session information from the
browser’s memory.
Online Tips
Here are some tips that can assist you in managing your accounts online:

Your access ID is case sensitive (for example, “iluvmyfi” and “IluvMYfi” are
two separate IDs). If you get an error message when trying to log in,
check the Caps Lock key on your keyboard.

Your passcode is also case-sensitive. The icon
appears in the
Passcode field to alert you if your keyboard has Caps Lock set to on.
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If you have important messages, you will see an Urgent Messages bar at
the top of your page.
Please read all messages as soon as possible. This is how your
institution communicates with you if there is a problem with any Internet
account activity you have scheduled. (You can click Remind Me Later to
temporarily hide the bar.)

If you cannot see the whole page, use the scroll bars at the bottom and
right sides of the page.

Click the Accounts tab to display all of your online accounts. The “As Of”
date reflects the balance at the end of that business day and indicates the
latest date of transactions reflected in your account history.

Nicknames may be assigned to your accounts for easy reference. You can
set the default page that first appears after you log in, and choose the
default sorting for certain information. Click the User Services tab to
make these changes.

Click the account nickname link in the Name column of the Accounts page
to display a summary of your account information (interest rate, accrued
interest, and so forth) and the last 30 days’ history on the account.

Account numbers are masked by default, displaying only the final few
digits
mask icon
. Click the green unmask icon to see the full number. The red
conceals the number again.
Frequently Asked Questions
Q: Why do I have an Urgent Message notice on my page?
A: If you have any unread urgent messages, an Urgent Message bar
appears at the top of every page. Clicking a message link in the bar takes you
to the Messages page. You can hide the Urgent Message bar for the rest of
your current session by using the Remind Me Later link.
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Q: How can I change the size of the text in Online Banking?
A: The Online Banking web site is designed to show as much text as possible
on a single page. To make the text more legible, or to allow more information
to show in the window at once, you can adjust the text display at any time.
Click one of the font size icons (
) in the upper right corner of any page
to select Small, Medium or Large font size for that session. You can also use
the Adjust Font Size option on the User Services tab to save your desired
font size for subsequent Online Banking sessions.
Q: Can I change my default to display a different section when I log
in?
A: Yes. You can select the section that appears first by using the Start Page
Selection option on the User Services tab.
Q: Can I change my access ID?
A: Yes, if your institution allows it. For institutions that offer this option, the
Change Access ID link appears on the User Services tab. Your access ID
remains unique to your account.
Q: Can I have more than one name on my account?
A: Call your financial institution to verify that this is allowed. For example, you
could use “John or Diane” as your first name and “Doe” as your last name.
Both of you will see the entire history for the shared accounts as well as the
bills you pay jointly. However, you will not be able to tell who was responsible
for a given transaction.
Q: Can I use any browser for Online Banking?
A: You must use a browser that supports the SSL (Secure Socket Layer)
protocol. Most popular browsers support this security feature. To maintain our
high security level we also require a browser with 128-bit encryption. Check
with your institution for a list of supported browsers. Certain browsers may
provide an improved visual appearance within Online Banking.
Q: Is the data displayed on the inquiry pages current?
A: The data displayed is obtained directly from your financial institution’s
current databases via a daily file transmission or a real-time connection.
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Q: What accounts can I access online?
A: Personal checking, savings, CD, IRA, loans, and credit cards may all be
accessed through the system.
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Chapter 3: Snapshot Tab
What’s in this Chapter
This chapter describes using the Snapshot tab to get just the information you
need about your accounts.
Introduction
The Snapshot tab provides an overview of your Online Banking accounts in a
compact, simplified format. Certain key functions can be performed right on
the Snapshot tab. When you need more detail or functionality than the
Snapshot tab provides, it has links to let you jump directly to the appropriate
pages on other tabs.
The Snapshot tab is the default Online Banking start page. You can change this
default to any other OLB tab—refer to Setting Your Start Page in chapter 8.
Navigating the Snapshot Tab
The Snapshot tab presents its information all on a single page, using several
expanding “modules”. By default, the tab displays the My Accounts and My
Messages modules:
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Click the expand icon ( ) in the header of collapsed module—for example, My
Transactions—to show the information in that module. The icon in the header
of an expanded module becomes the collapse icon ( ), which you can click to
collapse its module to just the header.
The module at the top of each column is automatically expanded when you
open Snapshot. You can drag modules up or down to reorder them within their
column. Modules cannot be dragged from one column to the other.
The information presented in the Snapshot modules is similar to the main
Online Banking tabs, but limited in scope and detail. When you need more
than a quick overview, use the links and/or I want to menus in the module to
go to the Accounts, Messages, or other tabs, where all details are available.
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Using the My Accounts Module
The My Accounts module lists your accounts.
For each account, you see the following information:

Name (account nickname—a shortcut to the account detail)

Account #

Available (available balance)

Balance (ledger balance)
As on the Account Summary page of the Accounts tab, each account has an I
want to menu, with actions that jump to the relevant page on the Accounts
or Transfers tabs. Depending on account type, available actions may include
the following:

View Detail (refer to Account Details in chapter 4)

View Statement (refer to Account Statements and Documents in
chapter 4)

View History (refer to Account History in chapter 4)

Transfer To (refer to Scheduling a New Transfer in chapter 5)

Transfer From (refer to Scheduling a New Transfer in chapter 5)

Make Loan Payment (refer to Scheduling Loan Payments in chapter 5)
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Selecting Accounts to View
You can choose which accounts appear in My Accounts, so that you see only
those you need to monitor regularly. Click the gear icon in the upper right
corner of the module ( ) to open the My Account Settings dialog box.
Use the lists in this dialog box to select just the accounts you want to see on
the Snapshot tab, and the order in which they should appear. To eliminate a
listed account, select ‘No Account Selected’. Up to 7 accounts can appear in
the module. Click Update when the desired accounts are in the display order
you prefer.
When you need to see all your accounts, or access more detail than is
presented here, click the View more accounts link in the lower right corner
of the module. You go to the Account Summary page of the Accounts tab
(refer to Account Summary in chapter 4 for details).
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Using the My Transactions Module
Expand the My Transactions module to see the most recent 5 transactions in
the last 5 days for the account shown in the header.
For each transaction, you see the following information:

Date

Description

Amount
Use the list in the My Transactions module header to select a different account
to view recent transactions from. (The accounts available are those selected in
the My Accounts module.)
When you need to see all your transactions, or access more detail than is
presented here, click the View more transactions link in the lower right
corner of the module. You go to the Account Detail page of the Accounts tab
(refer to Account Details in chapter 4 for details).
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Using the My Messages Module
Expand the My Messages module to see up to 5 of you most recent unread
messages.
For each message, you see the message subject and the date the message
was received. You can click the Subject link to view the message, or use the I
want to menu to view, reply to, or delete the message. These actions all
jump to the appropriate page of Messages tab.
The total number of unread messages is displayed in the module header. To
see all your messages, click the View more messages link in the lower right
corner of the module. You go to the All Messages page of the Messages tab
(refer to Accessing the Messages Inbox in chapter 7 for details).
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Using the Make a One-Time Transfer Module
You can make a simple funds transfer directly from the Snapshot tab. Expand
the Make a One-Time Transfer module to show the transfer fields.
Select the source and destination accounts for the transfer funds using the
From and To lists, and enter an amount. The available balance of each
account is displayed for reference directly below the account list. Negative
balances are displayed in red. For external accounts, the applicable credit or
debit limit is shown in place of a balance.
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If the account you need is not shown, you need to add it to the accounts
available for online access. Click Add New Account or Add External
Account to go to the appropriate section under User Services, where you can
add the account (refer to Adding a New Online Account or Entering an
External Transfer Account Request in chapter 8 for details).
Enter a date for the transfer under Scheduled Transfer Date and click
Transfer. If you decide you want to make a recurring transfer instead, click
More Transfer Options to go to the Transfers tab (refer to Scheduling a New
Transfer in chapter 5 for details).
Using the Make a Payment Module
If you have online Bill Pay service, you can make a payment to one of your
registered payees directly from the Snapshot tab. Click the Make a Payment
module to show the payment fields.
Note
Similar to the Payments tab, users who do not have Bill Pay
service see only a link to request the service in this module.
Depending on your payments options, you will be directed to the Payments
tab or can see your 5 current pending payments.
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Using the View My Contact Information Module
Expand the View My Contact Information module when you need to
quickly verify your email addresses and phone number on file with your
financial institution.
Your primary email address is listed, along with your secondary email address
and phone numbers.
If any information is incorrect, click Update My Contact Information to
jump to the Change Contact Information page in User Services (refer to
Changing Your Contact Information in chapter 8 for details). To jump to the
Notify Me Alerts page, click Set Up Notify Me Alerts (refer to chapter 6 for
details).
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Chapter 4: Accounts Tab
What’s in this Chapter
Using the Online Banking site, you can manage all of your accounts on the
Accounts Tab. This chapter provides information and procedures to manage
your accounts.
Navigating the Accounts Tab
In general, you will use the Accounts tab more than any other page to view
and manage your online accounts. You can choose to have your session
automatically open to the Accounts tab by setting the Start Page on the User
Services tab, if desired.
At the top of each Account Detail page, you can navigate to the pages of your
other accounts using the Select Account and Select Action lists.
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Account Summary
The Account Summary page is the starting page on the Accounts tab, and
provides an overview of your online accounts. Users can sort an account list
by account name, account number, or account balance by clicking the arrow
next to each column heading if more than one account exists. If you are on
another page, click the Accounts tab.
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The following information is provided for each account.
Account Summary Information
Field
Description
Name
The account nickname, or if no nickname has
been set up yet, the account type (for
example, checking, savings, share, share
draft, IRA, CDs, credit card, or loan, etc.).
The name is a link to the account detail page.
Owner
The owner of the account. For joint checking
accounts, only one name may appear if each
account owner has a separate file at your
financial institution.
Account #
 The
account number.
 Account
numbers are masked by default,
displaying only the final few digits
.
Click the green unmask icon to see the full
number. The red mask icon
conceals the number again.
 Institutions
can opt for certain account
types not to be masked.
Balance
The account’s current balance (calculated by
taking the most recent update from your
financial institution and adjusting it to include
any recent Internet transactions).
As Of
The date for which the balance is accurate;
that is, the date of the last known transaction
and/or balance update from your financial
institution.
Actions
Contains an I want to menu for each
account. Available actions let you view
details, transaction history, documents or
monthly statement (for institutions that offer
those options), or transfer funds between
your online accounts. For loan accounts, a
‘Make Loan Payment’ action may be available.
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The Select Account and Select Action lists at the top of the Account Detail
pages can also be used to link to detailed information for each account. Select
an account and an action, then click Go. These controls are always available
on any Account Details page, and appear on the Account Summary page as
well if you have more than 20 accounts.
Account Search
If you have more than 20 accounts, you see an account search section on the
Account Summary page. This feature lets you narrow the account list by
searching on the Account Name, Account Number, or Owner Name fields.
Entry of a partial name or number is accepted.
Real-Time Internet Interface
If your financial institution uses a Real Time interface, you may not see all of
the information shown in the illustrations in this chapter. Some of the
information in the Accounts section may not be updated continually. Your
financial institution may choose not to display any or all of the following,
because they are not Real Time features.

History

Statements

Balance including Available Balance, and Unposted Transactions

Ledger Balance including Ledger and Ledger Available Balance
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Account Details
The Account Detail page shows specific information related to the online
account. It can include a balance panel, a collapsible Account Details panel,
and a Quick History. By default, the Quick History section displays the last 20
transactions on the account, if any. The information shown depends upon your
financial institution’s service offerings.
To view the account details:
1. On the Account Summary page, click View Detail in the I want to menu
for the account you would like to view.
Note
A shortcut to viewing the account detail is to click the link in
the account Name column.
The Account Detail page appears.
2. View the information.

The Select Account and Select Action lists at the top of the page can
also be used to jump to other accounts. Select an account and an
action, then click Go.

The links on the right side of the balance panel provide quick access to
account statements, history and other functions.
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The Account Details panel below the balance panel is initially collapsed.
Click the expand icon (
) in the header to display all account details.
Viewing Monthly Detail for Checking Accounts
Depending on the account type, the Monthly Detail displays different
information for the account. Your Available Balance appears at the top, broken
out into the Current Balance and any positive or negative Balance Adjustment
due to in-process transactions. For checking accounts, the Account Details
panel (shown expanded here) displays the account number, nickname, and
type. If your financial institution offers interest-bearing checking accounts,
you may see the latest interest information.
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The detail provides the following information for checking accounts. Certain
fields may not appear, depending on features supported by the financial
institution.
Checking Account Detail Fields
Field
Description
Available Balance
Total funds available when your balance was
updated. Visible only if there is a limit on the
amount of money you can withdraw from the
account.
Current Balance
The official balance of the account, as of the
date shown.
Balance
Adjustment
Additional adjustments to the balance due to
unposted transactions, if any.
Account #
 The
account number.
 Account
numbers are masked by default,
displaying only the final few digits
.
Click the green unmask icon to see the full
number. The red mask icon
conceals the number again.
Account Owner
The owner of this account on record at the
financial institution.
Account Nickname
A name given to your account for easy
identification.
Account Type
What type of account this is (for example,
checking or share draft).
Product
The product name.
Date Opened
The date the account was opened.
Overdraft Limit
The amount your financial institution will
automatically lend you if you overdraw this
account, if any.
Hold Amount
The amount your financial institution will hold if
you overdraw this account, if any.
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Viewing Monthly Detail for Savings Accounts
For saving accounts, the Account Detail page displays your Available Balance
at the top, broken out into the Current Balance and any positive or negative
Balance Adjustment due to in-process transactions. For savings accounts, the
Account Details panel (shown expanded here) displays the account number,
owner, nickname, and type. If your financial institution offers interest-bearing
savings accounts, you may see the latest interest information.
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The detail provides the following information for savings accounts. Certain
fields may not appear, depending on features supported by the financial
institution.
Savings Account Detail Fields
Field
Description
Available Balance
Total funds available when your balance was
updated. Visible only if there is a limit on the
amount of money you can withdraw from the
account.
Current Balance
The official balance of the account as of the
date shown.
Balance
Adjustment
Additional adjustments to the balance due to
unposted transactions, if any.
Account #
 The
account number.
 Account
numbers are masked by default,
displaying only the final few digits
.
Click the green unmask icon to see the full
number. The red mask icon
conceals the number again.
Account Owner
The owner of this account on record at the
financial institution.
Account Nickname
A name given to your account for easy
identification.
Account Type
What type of account this is (savings, share
draft, etc.).
Product
The product name.
Date Opened
The date the account was opened.
Interest Rate
(ITR)
Current interest rate for this account.
Interest Accrued,
Not Yet Paid
The interest the account has earned that has
not yet been paid into the account, if any.
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Savings Account Detail Fields (cont.)
Field
Description
Interest Paid This
Year
The interest that has been credited to the
account so far this year, if any.
Interest Paid Last
Year
The interest that was credited to the account
last year, if any.
Overdraft Limit
The amount, if any, your financial institution
will automatically lend you if you overdraw this
account.
Hold Amount
The amount, if any, your financial institution
will hold if you overdraw this account.
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Viewing Monthly Detail for Loan Accounts
For loan accounts, the Account Detail page displays your Current Balance at
the top, with any positive or negative Balance Adjustment due to in-process
transactions. For loan accounts, the Account Details panel (shown expanded
here) displays the account number, owner, nickname, type, loan and payment
details, maturity date, interest paid, and the latest interest information.
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The detail provides the following information for loan accounts. Certain fields
may not appear, depending on features supported by the financial institution.
Loan Account Detail Fields
Field
Description
Current Balance
The official balance of the account as of the
date shown.
Balance
Adjustment
Additional adjustments to the balance due to
unposted transactions, if any.
Account #
 The
account number.
 Account
numbers are masked by default,
displaying only the final few digits
.
Click the green unmask icon to see the full
number. The red mask icon
conceals the number again.
Account Owner
The owner of this account on record at the
financial institution.
Account Nickname
A name given to your account for easy
identification.
Account Type
The type of account, such as loan.
Product
The product name.
Date Opened
The date the account was opened.
Credit Limit
The credit limit on any loan advances, if any.
Original Loan
Amount
The original loan amount.
Amount to Payoff
The remaining payment amount.
Maturity Date
The date the loan will be paid off.
Interest Rate
(ITR)
Current interest rate for this account.
Amount of Next
Payment
The amount of the next payment.
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Loan Account Detail Fields (cont.)
Field
Description
Date of Next
Payment
The date due for the next payment.
Interest Accrued,
Not Yet Paid
The interest the account is due but has not yet
been paid into the account.
Interest Paid This
Year
The interest that has been paid to the account
so far this year.
Interest Paid Last
Year
The interest that was paid to the account last
year.
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Viewing Monthly Detail for Certificate of Deposit
Accounts
For certificate of deposit (CD) accounts, the Account Detail page displays your
Available Balance at the top, broken out into the Current Balance and any
positive or negative Balance Adjustment due to in-process transactions. For
CD accounts, the Account Details panel (shown expanded here) displays the
account number, owner, nickname, and type. If your financial institution offers
interest-bearing CD accounts, you may see the latest interest and maturity
information.
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The detail provides the following information for certificate of deposit (CD)
accounts. Certain fields may not appear, depending on features supported by
the financial institution.
CD Account Detail Fields
Field
Description
Available Balance
Total funds available when your balance was
updated. Visible only if there is a limit on the
amount of money you can withdraw from the
account.
Current Balance
The official balance of the account as of the
date shown.
Balance
Adjustment
Additional adjustments to the balance due to
unposted transactions, if any.
Account #
 The
account number.
 Account
numbers are masked by default,
displaying only the final few digits
.
Click the green unmask icon to see the full
number. The red mask icon
conceals the number again.
Account Owner
The owner of this account on record at the
financial institution.
Account Nickname
A name given to your account for easy
identification.
Account Type
The type of account, such as CD.
Product
The product name.
Date Opened
The date the account was opened.
Term of Account
The length of time between the account
opening date and the scheduled maturity date.
Maturity Date
The ending date of a time deposit, such as a
certificate of deposit, at which all principal and
accrued interest is due to the accountholder.
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CD Account Detail Fields (cont.)
Field
Description
Interest Rate
(ITR)
Current interest rate for this account.
Interest Accrued,
Not Yet Paid
The interest the account is due but has not yet
been paid into the account.
Interest Paid This
Year
The interest that has been paid to the account
so far this year.
Interest Paid Last
Year
The interest that was paid to the account last
year.
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Viewing Monthly Detail for Individual Retirement
Accounts
For individual retirement accounts (IRA) accounts, the Account Detail page
displays your Available Balance at the top, broken out into the Current
Balance and any positive or negative Balance Adjustment due to in-process
transactions. For IRA accounts, the Account Details panel (shown expanded
here) displays the account number, owner, nickname, and type. If your
financial institution offers interest-bearing IRA accounts, you may see the
latest interest and maturity information.
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The detail provides the following information for an individual retirement
account (IRA). Certain fields may not appear, depending on features
supported by the financial institution.
IRA Account Detail Fields
Field
Description
Available Balance
Total funds available when your balance was
updated. Visible only if there is a limit on the
amount of money you can withdraw from the
account.
Current Balance
The official balance of the account as of the
date shown.
Balance
Adjustment
Additional adjustments to the balance due to
unposted transactions, if any.
Account #
 The
account number.
 Account
numbers are masked by default,
displaying only the final few digits
.
Click the green unmask icon to see the full
number. The red mask icon
conceals the number again.
Account Owner
The owner of this account on record at the
financial institution.
Account Nickname
A name given to your account for easy
identification.
Account Type
The type of account, such as IRA.
Product
The product name.
Date Opened
The date the account was opened.
Term of Account
The length of time between the account
opening date and the scheduled maturity date.
Maturity Date
The ending date of a time deposit, such as an
IRA, at which all principal and accrued interest
is due to the accountholder.
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IRA Account Detail Fields (cont.)
Field
Description
Interest Rate
(ITR)
Current interest rate for this account.
Interest Accrued,
Not Yet Paid
The interest the account is due but has not yet
been paid into the account.
Interest Paid This
Year
The interest that has been paid to the account
so far this year.
Interest Paid Last
Year
The interest that was paid to the account last
year.
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Viewing Monthly Detail for Credit Card Accounts
For credit card accounts, the Account Detail page displays your Balance at the
top, with any positive or negative Balance Adjustment due to in-process
transactions. For credit card accounts, the Account Details panel (shown
expanded here) displays the account number, owner, nickname, and type. It
may also display payment details, amounts past due if any, interest paid, and
interest rates.
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The detail provides the following information for credit card accounts. Certain
fields may not appear, depending on features supported by the financial
institution.
Credit Card Account Detail Fields
Field
Description
Balance
The official balance of the account as of the
date shown.
Balance
Adjustment
Additional adjustments to the balance due to
unposted transactions, if any.
Account #
 The
account number.
 Account
numbers are masked by default,
displaying only the final few digits
.
Click the green unmask icon to see the full
number. The red mask icon
conceals the number again.
Account Owner
The owner of this account on record at the
financial institution.
Account Nickname
A name given to your account for easy
identification.
Account Type
What type of account this is, such as CC.
Date Opened
The date the account was opened.
Credit Limit
The credit limit for the card.
Amount to Payoff
The remaining payment amount.
Interest Rate
(ITR)
Current interest rate for this account.
Annual Percentage Current rate of interest charged for any
Rate (APR)
balance carried on this account.
Amount of Next
Payment
The amount of the next payment.
Date of Next
Payment
The date due for the next payment.
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Credit Card Account Detail Fields (cont.)
Field
Description
Amount of PAST
DUE
The amount of any past due payments, if any.
Months PAST DUE
The number of months a payment was past
due, if any.
Interest Accrued,
Not Yet Paid
The interest the account is due but has not yet
been paid into the account.
Interest Paid This
Year
The interest that has been paid to the account
so far this year.
Interest Paid Last
Year
The interest that was paid to the account last
year.
Viewing Unposted Balance Detail
If you have made any recent Internet transactions that your financial
institution has not yet posted to the ledger balance, you may see the following
items under Balance Detail.

Unposted Transactions: Total Internet transactions made with this
account that have not yet posted to your financial institution.

Available Balance: The amount currently available for Internet transfers
and payments.
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Viewing Quick History
A Quick History appears at the bottom of the Account Detail page and shows
the transaction history covering the last 20 items. You can set the number of
transactions displayed and the number of days in the history range with the
Quick History Configuration action, or on the User Services/Quick History
Configuration page.
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Account Statements and Documents
A financial institution needs to provide various documents to its users:

Account statements

Other account documents, consisting of official disclosures, terms and
conditions, and legal notices
Your institution may opt to offer either or both types of documents for online
viewing. An institution may also choose to have a single “combined” electronic
documents setting that governs both account statements and disclosures/
notices.
For institutions that offer these services, the system allows you to easily
access your monthly statements and account documents online. All online
statements and documents present exactly the same information as the paper
versions received in the mail. Users have the capability to view, save, or print
account statements and other documents.
Viewing an Account Statement
To view an account’s monthly statement:
1. On the Account Detail page, click View Statement.
The Account Statement page appears.
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Note
If your institution uses the combined approach, the option on
the Account Details page is View Statements & Documents.
Refer to Viewing an Account Document for details.
2. In the Statement to Retrieve field, enter the date to include in the
statement.
Note
The search by default is set to Match Closest, which finds the
statement closest to the date you entered. To find the
statement ending in the month you entered above, select
Match Specified Month instead.
3. Click View.
The appropriate monthly statement appears. Depending on your
institution’s configuration, the statement may be displayed within a PDF
viewer, or as a page in the OLB browser window.
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Note
Your financial institution may have a different setup for their
statements. You may be taken to an external site to access your
statements, or may access a statement in plain text format.
Saving Monthly Statements
Users can save their monthly statements to their computer. The account
statement filename is “stmt<MMYY>.<xxx>” where <MMYY> represents the
month and the year of the account statement and <xxx> is “pdf” or “htm”
depending on your institution’s statement format.
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To save monthly statements:
1. On the Account Statements page, click Save Statement to File. (For a
PDF statement, use the PDF viewer’s Save option.)
2. In the browser’s or PDF viewer’s file download dialog box, select the
option to Save the file.
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3. If necessary, in the Save dialog box locate a folder for the statement file,
and then click Save.
The account statement is saved to your folder on your PC.
Printing Monthly Statements
Users can easily print an account statement from the Account Statement page
or PDF viewer. The minimum requirement is that a printer is connected to
your computer, and that your browser is JavaScript-enabled.
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To print a monthly statement from a browser-based statement display, click
the Print this page icon. The account statement is sent to your printer.
To print a monthly statement from a PDF-based statement display, use the
Print function in the PDF viewer.
Viewing an Account Document
To view an account document (for institutions that offer e-documents):
1. On the main Account page, click View Documents in any I want to
menu. If your institution uses the combined approach, the option in the
I want to menu is View Statements & Documents.
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The Documents page appears, listing all available documents for all
accounts.
2. Locate the document you want in the list. If you do not see the document
you want, you may need to adjust the date range or the document type.

Use the date range list to expand the listing of displayed documents.
Options are:
• Last 7 Days (default)
• Last 30 Days
• Last 90 Days
• Last 6 Months
• Last Year
• Custom Date Range
Select Custom Date Range to open a dialog box. Enter specific From
and To dates and click Update.

Use the document type list to filter the list to show just the types of
document you want to see. The default is All Document Types. If you
clicked View Statements & Documents in the I want to menu to get
to this page, statements are also an included document type.
3. Click the link of the document you want in the Document Type column.
The document appears in a separate window or tab using your PDF
viewing utility.
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Account Statements with Electronic-only Delivery
Electronic-only statement delivery (“e-statements”) provides exactly the
same information as your paper statements, except that it is delivered online
instead of through the mail. If your financial institution offers e-statements,
you can opt-in to have your statements delivered in electronic-only format.
Once you opt-in for the service, you will no longer receive paper statements in
the mail.
When you have opted-in for e-statement delivery, you will receive a
notification when your accounts’ statements are viewable online. You can
always opt-out of e-statements if you prefer receiving paper statements in the
mail.
To opt-in for electronic-only statements:
1. On the Account Statement page, click Electronic Only Statement
Delivery.
The e-statements disclosure page appears.
Note
The Account Statement page is also accessible by clicking
Account Statements on the User Services tab.
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2. On the E-statement Disclosure page, read the E-statement disclosure and
click Accept or Accept and Print to continue the Opt-in Process.
Note
Your financial institution’s disclosure may be different from the
one shown below.
3. On the Electronic Statement Delivery Request page, verify your email
address, and click one of the following buttons:

Submit for this Account. You will opt-in for e-statement delivery for
that specific account.

Submit for All Accounts. You will opt-in for e-statement delivery for
all existing accounts.
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Opting-out of Electronic-only Statement Delivery
You may opt-out of the electronic-only statement delivery service at any time,
after which you will receive paper statements in the mail, typically within the
next statement cycle. On the Account Statement Search page, you will see
the Opt-out buttons at the bottom of the page.
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To opt-out of electronic-only statement delivery:
1. On the Accounts Statement page, click one of the following buttons.

Opt Out For This Account. You will opt-out for e-statement delivery
for that specific account.

Opt Out For All Accounts. You will opt-out for e-statement delivery
for all existing accounts.
A confirmation page appears stating that you will begin to receive paper
account statements in the mail.
2. On the Electronic Statement Delivery Cancellation Request page, click
Accept to opt-out of the electronic-only statement delivery service.
An opt-out confirmation page appears stating that you will receive your
paper statements in the mail at the next statement cycle.
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Account Documents with Electronic-only Delivery
Electronic-only account document delivery (e-documents) provides exactly
the same information as paper account documents, except that the
documents are delivered online instead of through the mail. Account
documents consist of legal notices, disclosures, terms and conditions, and
other such notifications that an institution is required to send to its customers.
Note
For institutions that combine the management of statements
with other account documents, statements are also considered
account documents and you manage them in the same way.
If your financial institution offers e-documents, you can opt-in to have your
documents delivered in electronic-only format. Once you opt-in for the
service, you will no longer receive paper documents in the mail.
When you opt-in for e-document delivery, you will receive an email
notification at your email account when your accounts’ documents are
viewable online. You can always opt-out of e-documents if you prefer
receiving paper documents in the mail.
To opt-in for electronic-only documents:
1. On the Accounts page, click View Documents from the I want to menu
for a given account. If your institution manages account documents and
statements jointly, this option is View Statements & Documents.
The Documents page appears, listing any current documents for the
selected account.
Note
The Account Documents page is also accessible by clicking
Account Documents on the User Services tab.
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2. Click View e-Delivery Settings.
The e-Delivery Status for All Accounts dialog box appears.
The dialog box displays the account document e-delivery status for all
your accounts, either ON for opted-in accounts, or OFF for opted-out
accounts. You can change them individually with the ON/OFF indicator
buttons, or change all at once using Opt-in for ALL Accounts or
Opt-Out For ALL Accounts.
3. To opt-in for electronic-only delivery for a particular account, click its OFF
indicator. On the E-document Disclosures page that appears, read the
E-document disclosure and click Accept or Accept and Print to continue
the Opt-in process.
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Note
Your financial institution’s disclosure may be different from the
one shown below.
4. On the Electronic Document Delivery Request page, verify your email
address, and click one of the following buttons:

Submit for this Account. You will opt-in for e-document delivery for
that specific account.

Submit for All Accounts. You will opt-in for e-document delivery for
all existing accounts.
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The e-Delivery Status indicators for all opted-in accounts will now show as
ON.
Opting-out of Electronic-only Document Delivery
You may opt-out of the electronic-only document delivery service at any time,
after which you will receive paper documents in the mail.
To opt-out of electronic-only document delivery:
1. On the Accounts page, click View Documents from the I want to menu
for a given account. If your institution manages account documents and
statements jointly, this option is View Statements & Documents.
The Documents page appears, listing any current documents for the
selected account.
Note
The Account Documents page is also accessible by clicking
Account Documents on the User Services tab.
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2. Click View e-Delivery Settings.
The e-Delivery Status for All Accounts dialog box appears.
The dialog box displays the account document e-delivery status for all
your accounts, either ON for opted-in accounts, or OFF for opted-out
accounts.
3. Change delivery status individually with the ON/OFF indicator buttons, or
change all at once using Opt-in for ALL Accounts or Opt-Out For ALL
Accounts.
A page appears stating that you will begin to receive paper account
documents in the mail.
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4. On the Electronic Only Document Delivery Opt Out Request page, click
Accept to opt-out of the electronic-only document delivery service.
An opt-out confirmation page appears stating that you will receive your
paper documents in the mail at the next document cycle.
Account History
The Account History system allows you to view up to two years (depending on
your financial institution) of history items since signing up for the service. The
Filtered History Search searches the database for the desired information
based on search criteria that you set on the Account History page.
Note
Some download formats may not support a filtered history
download.
Users can run a search query based on any combination of the following
criteria.
Account History Search Criteria
Field
Date Range
Description
Search for all transactions that occurred in a
given date range. Users can search for
transactions that occurred on a single date by
entering the date (mm/dd/yyyy) in the “From”
field and leaving the “To” field blank.
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Account History Search Criteria (cont.)
Field
Description
Sort By
Sort a history results by ascending or
descending values, either by date, description,
or amount.
Items per Page
Set the number of transactions viewable on
each page. This feature is not necessary when
downloading a transaction history.
Transaction Type
Search for all transactions, checks only, credits
only, or debits only.
Check # Range
Search for all checks in a given check number
range. Users can search for a single check
number by entering the number in the “From”
field and leaving the “To” field blank.
Amount Range
Search for any transactions in a given dollar
amount range. Users can search for a single
dollar amount by entering the amount in the
“From” field and leaving the “To” field blank.
Searching Account Transaction History
The Filtered History search engine allows you to find a specific transaction
history based on your search criteria.
To search your account transaction history:
1. On the Account Summary page, click View History in the I want to
menu of the account you would like to view.
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The Account History page appears.
2. In the Date Range boxes, specify a range of dates from which to return
transactions, in the format mm/dd/yyyy. You can also click the calendar
icons to select dates graphically.

Enter the beginning date of the transaction range in the first box. The
default is one month prior to today’s date.

In the to box, enter the ending date. The default is today’s date.
If you want to search transactions for only a single date, enter it in the
first box and leave the to box blank.
3. In the Sort By list, select a sort order for the search results. You have
options to sort by date, description or amount:

Date Descending

Date Ascending

Description Descending

Description Ascending

Amount Descending

Amount Ascending
4. In the Items Per Page list, select the maximum number of transaction
items to show on each page.
5. If necessary, select the type of transactions that you want to search for in
the Transaction Type list. Options are:

All transactions (default)

Checks only

Credits only

Debits only
6. In the Check # Range boxes, specify a range of check numbers to return
in the search results.

Enter the starting number of the check range in the first box.

In the to box, enter the ending check number of the check range.
If you want to search for a single check, enter its number in the first box
and leave the to box blank.
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7. In the Amount Range boxes, specify a range of transaction dollar
amounts to return in the search results.

Enter the lower amount of the range in the first box.

In the to box, enter the upper amount of the range.
If you want to search for a single amount, leave the to box blank.
Notes
For viewing account history, you can ignore the Download
Format list.
To reset fields to the default values, click Clear Form.
8. Click View History.
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Your account history is displayed in the form of a checkbook ledger.
Account History Columns
Field
Description
Date
The date the transaction was processed.
Ref/Check
A reference number for the transaction, or the
check number of a check.
If a check number is a link, you can click it to see
an image of the check. Refer to Viewing Check
Images below.
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Account History Columns (cont.)
Field
Description/Memo
Description
A description of the transaction. Common
transaction descriptions include:

Daily Ledger Balance. The official balance
received from your financial institution.

Check. Cleared check.
Each financial institution has its own descriptions
for other items in the history (for example,
INTEREST PAYMENT, ATM SERVICE CHARGE,
PAYROLL EMPLOYER INC, VISA CHECK). Contact
OLB Support at your financial institution for help
interpreting these descriptions. Click the User
Services tab for contact information.
A text entry box for memo information may
appear in this column. Refer to Check Register
below for details.
Descriptions prefixed “Unposted” are recent
Internet transactions that have not yet posted.
Until they post, these transactions modify only
your Balance, not your Ledger Balance.
Category
When visible, this column displays a drop-down
list for most transactions allowing selection of a
category, such as “Doctor” or “Salary”.
Refer to Check Register below for details on
transaction categories.
Debit/Withdrawal
Funds taken out of the account.
Credit/Deposit
Deposits into the account.
Balance
The account’s running balance, including recent
Internet transactions.
Ledger Balance
The official balance recorded at your financial
institution on the date shown.
9. If you have edited any Description or Category in the history, click Save
Changes.
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Check Register
Check Register allows you to assign, configure, and modify categories to your
transactions. Each transaction provides a box to enter a brief description or
memo and a drop-down menu to assign a category. By assigning a category to
a transaction, you can generate specialized Income versus Expense reports
based on the transaction category type.
Note
Some financial institutions may not offer this feature. If
your financial institution does not offer Check Register,
the Category column and memo fields do not appear.
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Adding Memos and Categories
The Check Register feature lets you enter a brief description or memo for
most transactions, and also select categories that can be assigned to your
transactions. The description and category fields appear on your Quick History
on the Account Detail page and on your Account History. You can create new
categories or edit existing categories to suit your needs.
Note
Not all History items let you enter a memo or select a category.
Informational transaction items, such as Daily Ledger Balance,
do not have the memo or category fields.
To add a memo and a category to a transaction:
1. On the Account Summary page, click the Name link for the account you
would like to view.
The Account Detail page appears.
2. In the text box in the Description/Memo column, enter a brief remark to
describe the transaction. You can enter up to 64 characters. This field is
optional.
3. In the list in the Category column, select a category for the transaction. If
you would like to add a category, scroll to the bottom of the list and select
ADD NEW CATEGORY.
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4. Repeat for any of the other transactions present, and then click Save
Changes.
A confirmation message appears in red above the Quick History section.
You have successfully entered your transaction description and category. For
information on viewing, updating, and removing your categories, refer to
chapter 7, User Services Tab.
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Hiding Memo and Category Fields
If you would like to make the history listing more compact and readable, you
can hide the memo entry fields and the Category column.
To hide your categories:
On the Account Detail or Account History pages, click Hide Description/
Category in the I want to menu.
The page appears without the Category column or the memo entry fields.
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If you entered any memos or assigned any categories, they still appear. The
third column heading changes to Description/Memo (Category), and memo
text appears above the generic transaction description, while your category is
displayed in parentheses after the generic Description.
To reveal the Category column when it has been hidden, click Show
Description/Category in the I want to menu.
Viewing Check Images
If your financial institution supports check imaging, you can view images of
any cleared check.
To view a cleared check:
1. View a checking account history.
On your Account History page and Account Detail Quick History, check
numbers in the Ref/Check column appear as links.
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2. Click the number link of a check that you want to view.
The front and back images of your check appear in a pop-up window.
The I want to menu for the pop-up contains a Print This Page option so you
can get a hardcopy of your check image if necessary.
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Downloading a Transaction History
The system allows you to download account information from the Web site to
a spreadsheet or a personal finance software program, such as Intuit®
Quicken® or Microsoft® Money. These files can be downloaded onto a PC or
directly into your personal finance software depending on the file formats. If
downloading to your PC, remember that the file is not encrypted.
For file downloads to personal finance software, you cannot use the Filtered
History Search. In this case, you must enter the account, date ranges and the
download format.
The following download formats are available on the system. Note: Your
financial institution may not offer all of these features.
Transaction Download Formats
Field
QuickBooks®
Web Connect
Description
The QuickBooks Web Connect feature allows
you to access your account history and
download this information directly into your
Intuit QuickBooks software on your PC. Your
downloaded transactions will be reconciled
against any transactions already entered in
your account register. QuickBooks Web Connect
also automatically matches any transactions
you have entered in your register to eliminate
duplicate download entries.
Intuit officially offers Web Connect support for
the most current version of QuickBooks plus
the two previous versions. The file format has
the extension “.qbo”.
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Transaction Download Formats (cont.)
Field
Quicken Web
Connect
Description
The Quicken Web Connect feature allows you to
access your account history and download this
information directly into your Quicken software
on your PC. Your downloaded transactions will
be reconciled against any transactions already
entered in your account register. Quicken Web
Connect also automatically matches any
transactions you have entered in your register
to eliminate duplicate download entries.
Intuit officially offers Web Connect support for
the most current version of Quicken plus the
two previous versions. The file format has the
extension “.qfx”.
Quicken QIF
A Quicken Interchange Format (QIF) file is a
non-proprietary ASCII text file that is used to
transfer data between different financial
programs or from a financial Web site to your
financial program, such as Quicken. Quicken
will not reconcile the downloaded transactions
in the QIF file against the transactions already
entered in your account register.
The file format has the extension “.qif” and is
generally used with older versions of Quicken
software (i.e., you must download the file to
your computer, and then manually import the
file to Quicken).
Microsoft Money
Active Statement
An Active Statement is a Microsoft
OFX-formatted file containing transaction
information that is exported from a financial
Web site and automatically imported into
current versions of Microsoft Money.
Your downloaded transactions will be reconciled
against any transactions already entered in
your account register. Active Statement also
automatically matches any transactions you
have already entered in your register to
eliminate duplicate download entries.
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Transaction Download Formats (cont.)
Field
Microsoft Money
OFX
Description
The Open Financial Exchange (OFX) format is
used for importing transaction information from
a financial or brokerage Web site to your
personal finance manager software (for
example, Microsoft Money). Microsoft Money
will not reconcile the downloaded transactions
in the OFX file against the transactions already
entered in your account register.
The file format has the extension “.ofx” and is
generally used with older versions of Microsoft
Money (i.e, you must download the file to your
computer, and then manually import the file to
Microsoft Money).
BAI2 Format
A BAI2 Format file is an ASCII text file in a
financial industry standard file format, used to
transfer data between different financial
programs or from an Online Banking web site
to a user’s financial program.
Fixed Length
Check
A Fixed Length Check file is an ASCII text file
that organizes its values in fixed length fields
with no line returns. This file format has the
extension “.flc” and can be used to download to
a spreadsheet.
Comma Separated
A comma-separated file is an ASCII text file
that organizes its values in columns so that
each column value is separated by a comma
from the next column’s value. Each row starts a
new line. This file format has the extension
“.csv” and can be used to download to a
spreadsheet.
Tab Separated
A tab-separated file is an ASCII text file that
organizes its values in columns so that each
column value is separated by a TAB from the
next column’s value. Each row starts a new
line. This file format has the extension “.tsv”
and can be used to download to a spreadsheet.
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Downloading History
To download an account transaction history:
1. On the Account History page, specify a time period using the Date Range
fields. The default is the last 30 days.
2. You can ignore the fields Sort By, Items Per Page, Check # Range,
and Amount Range. They have no effect on downloaded history data.
3. In the Download Format list, select the format you want for your
downloaded account history. (If you are downloading to QuickBooks Web
Connect, Quicken Web Connect, or Microsoft Money Active Statement, you
can click the respective icon and skip the next step.)
4. Click Download.
The next section presents procedures to download specific file types.
Downloading a Comma Separated File into Microsoft
Excel
To download your account history using the comma separated file format, do
the following:
1. On the Account History page, specify a time period using the Date Range
fields.
2. In the Download Format list, click ‘Comma Separated’.
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3. Click Download.
The browser file download dialog box appears.
4. In the browser file download dialog, select the option to Save the file.
The Save As dialog box appears.
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5. Select a folder to save your file (“download.csv”), and then click Save.
Note
The download procedures for Tab Separated, Fixed Length
Check, Quicken QIF, and Microsoft Money files are identical to
the download procedure for comma separated files. The only
difference is your selection for Download Format, and the
resulting file names. For comma separated files, the file is
download.csv; for tab separated files, download.tsv; for fixed
length check files, download.flc; for Quicken QIF files,
download.qif; and for Microsoft Money files, download.ofx.
Viewing a Download.csv File in Microsoft Excel
To view your account history in Microsoft Excel®, do the following:
1. Open Microsoft Excel.
2. Click Open. The Open dialog box appears.
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3. On the Files of type drop-down list, select All Files (*.*).
4. Locate the folder that contains download.csv, and then double-click
download.csv. Microsoft Excel opens with your account history. You may
need to readjust the column widths to view all the information.
You have successfully opened the file in Microsoft Excel.
Downloading a Tab Separated File into Microsoft Excel
Follow steps 1–5 in Downloading a Comma Separated File into Microsoft Excel,
except that in the Download Format list, select ‘Tab Separated’. Your file will
be called “download.tsv”.
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Viewing a Download.tsv File in Microsoft Excel
To view your account history in Microsoft Excel, do the following:
1. Open Microsoft Excel.
2. Click Open.
The Open dialog box appears.
3. In the Files of type drop-down list, select All Files (*.*).
4. Locate the folder that contains download.tsv, and then double-click
download.tsv.
The Text Import Wizard dialog box appears.
5. On the Text Import Wizard dialog box, click Next >.
6. Click Next > again.
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7. Click Finish.
Microsoft Excel opens with your account history. You may need to readjust
the column widths to view all the information.
Downloading a Quicken QIF File
The instructions below are intended for downloading account histories into
older versions of Quicken (version 2003, and earlier) using the Quicken QIF
format and for financial institution users who do not use Quicken Web
Connect.
To download an account history using the Quicken QIF format, do the
following:
1. On the Account History page, specify a time period using the Date Range
fields.
2. In the Download Format list, click ‘Quicken QIF’.
3. Click Download.
The browser file download dialog box appears.
4. In the browser file download dialog, select the option to Save the file.
The Save As dialog box appears.
5. Select a folder to save your file (“download.qif”), and then click Save.
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Downloading a Microsoft Money OFX File
For older versions of Microsoft Money (version 2003 or earlier) that do not
support Active Statement, you can download your account history using the
Microsoft OFX file format.
Follow steps 1–6 in Downloading a Quicken QIF File in this chapter. In the
Download Format field, select ‘Microsoft Money OFX’. Your file will be called
“download.ofx”.
To import the account history into Microsoft Money, do the following:
1. Open Microsoft Money.
2. On the File menu, click Import.
The Import dialog box appears.
3. Locate the folder where download.ofx is located. Click download.ofx,
and then click Import.
4. On the Microsoft Money dialog box, click OK.
The Statements page appears.
Note
Microsoft Money also accepts Quicken QIF files.
5. To view the downloaded history file, click the Checking link.
6. To add the account history to your register, click Done.
Downloading an Active Statement Format File into
Microsoft Money
The Microsoft Money Active Statement format allows you to download your
account history file, and then immediately import the file into Microsoft
Money. If you have a current version of Microsoft Money, you can import your
account history directly. If you have an older version of Microsoft Money, you
must use the ‘Microsoft Money OFX’ download option, save the file to your
computer, and then open the file in Microsoft Money. Refer to Downloading a
Microsoft Money OFX File above.
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To download an account history using the Active Statement format into
Microsoft Money, do the following:
1. On the Account History page, specify a time period using the Date Range
fields.
2. Click the Microsoft Money icon.
The Microsoft Money dialog box appears. It asks if you would like to start
Money now.
3. Click Yes to start Microsoft Money.
4. On the Choose a Money Account dialog box, select an account in the
Money account name list, or click New to create an account, then click
Next.
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5. Enter your financial institution’s name in the Held at field, and then click
Next.
6. Select the account type, and then click Next.
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7. In the Name field, enter an account name (for example, “My Checking”,
“Business Checking”, etc.), and then click Next.
8. Enter the account number, and then click Next.
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9. Enter the opening balance for the account, select the currency, and then
click Finish.
Microsoft Money opens with the Import Completed dialog.
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10. On the Import Completed dialog box, click OK, and then click your
checking link to open your account.
Microsoft Money opens with your downloaded information.
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Downloading into Quicken Using Quicken Web Connect
The Quicken Web Connect feature allows you to download your account
history file, and then immediately import the file into a recent version of
Quicken (current version plus two previous versions). If you have a current
version of Quicken, you can import your account history directly. If you have
an older version of Quicken (version 2000, and earlier), you must use the
Quicken QIF download option, save the file to your computer, and then open
the file in Quicken.
Note
Quicken Web Connect requires a registration or service fee (to
Intuit) from all financial institutions using the service. Intuit
will support the latest version of Quicken plus the previous two
versions. Not all financial institutions offer this service.
To download an account history into Quicken using Quicken Web Connect:
1. On the Account History page, specify a time period using the Date Range
fields.
2. Click the Quicken icon.
Quicken opens and begins importing your file. After the file is processed
and downloaded, Quicken automatically opens the appropriate account
register.
Downloading into QuickBooks using QuickBooks Web
Connect
Like Quicken Web Connect, you can download your account history directly
into your QuickBooks accounts. QuickBooks Web Connect exports your
information and automatically imports it directly into your QuickBooks
software (i.e., you do not need to manually save the file to your computer, and
then import it into QuickBooks).
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By using QuickBooks Web Connect, your downloaded transactions will be
reconciled against any transactions already entered in your account register.
QuickBooks Web Connect also automatically matches any transactions that
you have already entered in your register to eliminate duplicate download
entries. Intuit officially offers Web Connect support for the most current
version of QuickBooks plus the two previous versions.
Note
QuickBooks Web Connect downloads do not support a Filtered
History Search. You can only set the date ranges for your
account history.
To download your account history into QuickBooks using QuickBooks Web
Connect:
1. On the Account History page, specify a time period using the Date Range
fields.
2. Click the QuickBooks icon.
The browser Save dialog box opens automatically.
3. In the browser Save dialog box, click Open.
QuickBooks opens with a dialog box indicating that QuickBooks has
received new transaction data.
4. On the QuickBooks dialog box, click Import new transactions now,
and then click OK.
You should see your transaction information in the “Items Received from
Financial Institution” section.
5. In the Items Received from Financial Institution section, click View.
The downloaded items appear on the Match Transactions page.
6. To record unmatched transactions into the register, select the transaction
in the Quick Statement section (lower half of the page), and then click
Add to Register.
If prompted, add the Payee name to your list.
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7. Click the Account drop-down list, assign a specific account to the
transaction, and then click Record.
8. Repeat the last three steps for each unmatched transaction.
When you have completed recording the unmatched transactions, you will
have successfully entered your transactions into your QuickBooks
software.
Account Transfers
Account transfers move funds between your online accounts that are listed in
the Account Summary table. For example, if you have multiple checking or
share draft accounts, you can transfer money from one account to the other.
To make an account-to-account transfer:
1. In the Actions column in the Accounts Summary table, click Transfer To
or Transfer From in the I want to menu of one of the accounts involved
in the transfer.
The Transfers page appears.
2. Refer to chapter 5, Transfers Tab, for additional instructions.
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Frequently Asked Questions
Account Summary FAQs
Q: Do I have to return to the Account Summary before switching
accounts?
A: No. To switch accounts, do the following from any page on the Accounts
tab:
1. In the list immediately below the Accounts tab heading, select the account
you want to work with next.
2. In the list next to it, select an action for that account.
3. Click Go.
Q: What are the triangles next to column headings?
A: The triangles indicates how the table is sorted. The dark triangle indicates
which column the list is sorted on. It points up to indicate an ascending sort,
down to indicate descending. Click a triangle to sort the account list
differently.
Q: What are the icons next to account numbers?
A: Account numbers for most account types are masked by default, displaying
only the final few digits. The green unmask icon
to the right allows you
to see the full number if necessary. When the number is exposed, the icon is
red
. Click it to mask the number again.
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Account Detail FAQs
Q: What is the difference between history and detail?
A: History and detail are defined as follows:

History. This shows the account’s transaction history covering a given
date range.

Detail. This shows detailed information about the account, including
account owner, account type, account number, interest paid, hold amount,
ledger balance, and account history for the last month.
Q: What is the difference between the Balance and the Ledger
Balance?
A: They are defined as follows:

Balance. The account’s running balance, including recent Internet
transactions.

Ledger Balance. The official financial institution’s balance recorded on
the date shown. The differences between the two balances are created by
any Internet transactions that have been sent to your financial institution
but have not yet posted.
Q: Why does my financial institution show a balance that is different
from what I can view on my Internet account from home?
A: Your financial institution may not have updated the balance to reflect your
Internet transactions yet.
Q: Why is my balance sometimes a day behind?
A: This depends on how often your financial institution updates the Internet
transaction information.
Q: From which balance can I make online payments?
A: For Online Bill Pay, use the Available Balance. This balance takes into
consideration any Internet transactions you have made. The system
(depending on your institution’s set up) may check this balance for sufficient
funds before processing payments.
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Account Statement and Document FAQs
Q: How can I increase the size of the text in my document?
A: For PDF documents, use the zoom controls in the PDF viewer.
For documents displayed directly in the OLB browser window, use the font size
adjustment icons (
) in the upper right corner of the page to change
the font size for the current session. To make font size adjustments that apply
to future Online Banking sessions as well, go to the User Services tab and
click Adjust Font Size.
Account History FAQs
Q: There is an “Unposted” on my Account History page. What is it?
A: An “Unposted” entry is created for all Internet transactions (for example,
an online bill payment or a transfer), which has not yet reconciled Once the
transaction has posted to the account, the “Unposted” prefix will disappear.
Q: What page do I have to be on to download into Quicken or
Microsoft Money?
A: You must be on the Account History page. Once you have logged on, click
the Accounts tab. Find the account you want to download. In its I want to
menu, click View History.
Q: How can I download my account activity into Quicken or Microsoft
Money?
A: On the Account History page, choose the dates and format you wish to
download.
Q: Can I upload FROM Quicken?
A: No. The history is generated from your activities on this site.
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Q: How do I download into a spreadsheet like Microsoft Excel?
A: You must be on the Account History page.

Select either ‘Comma Separated’ or ‘Tab Separated’ from the
Download Format list.

Click Download and save the file to your computer as either
“download.csv” or “download.tsv”.

Open your spreadsheet.

Open the downloaded file.
Q: Can I download to Quicken QuickBooks?
A: Yes. QuickBooks downloads are possible for financial institutions who have
signed up for QuickBooks Web Connect. If you do not see QuickBooks Web
Connect as a download option on the Download Format list, then your
financial institution does not offer this feature.
Q: How do I open my account history in my personal finance
program?
A: If you are running Windows, make sure the file extension is visible. Look
for download.qif or download.ofx. Select File, click Import, and then, click
OK to load the data into your program. If your financial institution offers
Quicken Web Connect or Active Statement Format, you can download your
account history directly into your personal finance program.
Quicken Downloads FAQs
Q: Why does Quicken ask for my passcode?
A: If you are receiving a message that requests a passcode, then you are
attempting to download your account information from the Quicken Web site.
In order to download into Quicken, you will need to log in to your Internet
account with your financial institution and follow the steps available on the
help page. Click the HELP icon to open help for the page you are viewing. You
can also refer to the instructions above.
Q: Why does Quicken ask for my access ID and passcode when I click
on download history?
A: If you are receiving this message, make sure you are using the latest
version of your browser.
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Q: Why can’t I access my account through Quicken and pay my bills
through Quicken?
A: You will not be able to access your account or pay bills through Quicken,
because it is all done online through your account with your financial
institution. You will first need to sign up for a checking or share draft account
through your financial institution. Once your account is set up, you can enroll
online. Once you have online access, you can pay bills and download your
transaction history, including bill payments, into Quicken to reconcile your
account.
Q: Why does Quicken not recognize the checks that I hand entered
when using “Quicken Web Connect” through my financial institution’s
Web site?
A: Quicken is guaranteed to recognize only the information you have
previously downloaded. If the checks you have hand-written have cleared
your account, they will be included in your history download to your check
register.
Q: How can I download to Quicken without opening a browser?
A: Use the following steps:
1. Go into Quicken and click the ONLINE CENTER tab on the right.
Your account list will appear.
2. Select the account you want to update.
3. Click the UPDATE/SEND button.
Your financial institution’s home page will appear in Quicken.
4. Log in and download with Web Connect like you normally would.
Q: Why does Quicken put everything in the memo field when I
download?
A: Make sure you have the latest version of Quicken, and use the Web
Connect feature (if your financial institution offers it). With Web Connect,
Quicken will put the information in the correct fields.
Q: Why does Quicken give me a message telling me I have no
transactions to download?
A: Either you have already downloaded the most current data, or there is no
account history to download yet.
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Q: What do I do when I go into my account to download my history,
and I don’t have an option for Web Connect?
A: Contact your financial institution.
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Chapter 5: Transfers Tab
What’s in this Chapter
This chapter presents information to transfer money from accounts internal to
your financial institution, such as from one checking account to another, or
transfers from an internal account to an external account at another financial
institution (or vice versa).
Navigating the Transfers Tab
The Transfers tab allows you to schedule online account-to-account transfers,
view pending transfers and transfer histories.
To reach the Transfers tab, click the Transfers tab heading.
Note
If you do not have transfer privileges, contact your financial
institution to request them.
The Transfers page appears.
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You can navigate to other transfer-related pages by pointing to the Transfers
tab heading and using its drop-down menu:

Schedule Single Transfer. Click to schedule or view an
account-to-account transfer. Refer to Scheduling a New Transfer.

Schedule Multiple Transfers. Click to schedule or view up to four
account-to-account transfers. Refer to Scheduling Multiple Transfers.

Schedule Advanced Transfer. Click to schedule or view a One to
Many or a Many to One transfer. Refer to Scheduling Advanced
Transfers.

Schedule Loan Payment. If you have any loan accounts at your
financial institution, click to schedule a loan payment. Refer to
Scheduling Loan Payments.

Transfer Templates. Click to create or access templates for transfers
you make regularly. Refer to Using Transfer Templates.

History. Click to view a list of past transfers. You can view the
account-to-account transfer history for specific accounts or all accounts
during any period of time up to the last two years since you signed up
for this financial website. Refer to Transfer History.

Add External Transfer Account. Click to add an account at another
financial institution. You can schedule transfers to or from the external
account. Refer to Entering an External Transfer Account Request in
Chapter 8.
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Scheduling a New Transfer
You can schedule an account-to-account transfer using the Schedule Single
Transfer module on the Transfers page. The Schedule a Transfer module
allows you to make a one-time transfer or a recurring transfer with fixed or
variable amounts.
To schedule a new account transfer:
1. In the Schedule Single Transfer module, select the account from which
to move funds in the From list.
The available balance on the selected account is displayed below the list.
(For external accounts, the applicable credit or debit limit is shown in
place of a balance.)
2. In the To list, select the account to receive the funds.
3. In the Transfer Description field, type a brief note about the reason for
the transfer. This memo appears in your account transfer detail. The field
has a maximum length of 127 characters.
4. In the Amount field, enter the dollar amount of the transfer (up to the
Balance amount displayed below the From account list). You do not need
to enter the “$” symbol.
5. In the Frequency list, click the type of transfer:
Transfer Frequency Options
Field
Description
One Time
One-time only event. Transfers are not
rescheduled automatically.
Fixed Recurring
Transfers are automatically rescheduled
for the same dollar amount each time.
Variable Recurring
Transfers are automatically rescheduled,
but you must enter a new dollar amount
each time.
Occasional
Transfers are not automatically
rescheduled, but the transfer remains on
the Pending Transfers table.
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6. In the Period list, click how often a recurring transfer occurs:
Transfer Period Options
Field
Description
Once
Use this period if you selected One Time
or Occasional as the Frequency.
Weekly
Every week on (or near) the same day of
the week you scheduled the first payment.
Every Two Weeks
Every other week on (or near) the same
day of the week you scheduled the first
payment.
Monthly
Every month on (or near) the same day of
the week you scheduled the first payment.
Every Two Months
Every other month on (or near) the same
day of the week you scheduled the first
payment.
Quarterly
Every three months on (or near) the same
day of the week you scheduled the first
payment.
Twice a Year
Every six months on (or near) the same
day of the week you scheduled the first
payment.
Yearly
Every 12 months on (or near) the same
day of the week you scheduled the first
payment.
7. In the Scheduled Transfer Date field, enter the date you want the
transfer to take place (MM/DD/YYYY), or click the calendar icon to select a
date graphically. Transfers scheduled for the same business day, and
before the cut-off time displayed just below the date field, are processed
either immediately or at the end of the business day, depending on the
institution configuration.
8. If you want to automatically create a template from this transfer, select
the Create transfer template after this transfer is submitted check
box. Refer to Using Transfer Templates for details.
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9. Click Transfer.
A confirmation page appears.
One of three possible results occurs.

Transfer scheduled for the same day.

Transfer scheduled for a future date.

Transfer fails.
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10. If you scheduled the transfer for the same day, the Transfer Details page
appears, asking if you are sure you want to perform this transfer. From
this page, click Transfer, Edit, or Cancel.

Transfer – Click this button to initiate the transfer.

Edit – Click this button to make changes to the transfer.

Cancel – Click this button to cancel the transfer.
If you scheduled the transfer for a future date, the Transfer Details page
asks if you sure you want to schedule this transfer. From this page, click
Schedule Transfer, Edit, or Cancel.

Schedule Transfer – Click this button to schedule the transfer for a
future date.

Edit – Click this button to make changes to the transfer.

Cancel – Click this button to cancel the transfer.
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Transfer Failure
If your transfer fails, the Transfer Details page states the reason. You can edit
the transfer and try again or reschedule it. If you reschedule a same-day
transfer, the system will process it as a scheduled transfer on the next
processing day. Click one of the following:

Try Again/Edit – Click this button and the Schedule Transfer page
reappears. You may edit the fields and attempt the transfer again.

Next Processing Day – Click this button to schedule the transfer for
the next processing day.

Cancel – Click this button to cancel the transfer.
Pending Transfers
Pending transfers are any transfers that are scheduled to occur at a given date
in the future. Any transfers set as “Occasional” will also appear on the Pending
Transfers table although they are not automatically rescheduled.
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Viewing the Pending Transfers Table
To view all pending transfers, click on the Transfers tab. The Pending
Transfers table on the Transfers page lists all pending transfers.
The Pending transfers table shows all pending scheduled transfers. The
following information is provided about each transfer.
Pending Transfers Table
Heading
Transfer
Description
Description
 Displays
the From and To accounts. For an
advanced transfer, the text entered in the Transfer
Description box also appears, with “Multiple
Accounts” under From or To as appropriate.
 The
From account listing is a link, which goes to an
edit page for the transfer. This is the same as the
Edit option in the I want to menu.
 Commercial
users, who use accounts to which
multiple users might have access, may also see a
Created By field here. This field shows the name
of the person who created the transfer. If the
transfer has been modified, Last Modified By
appears, showing the name of the user who last
made a change to the transfer details. For the
current user, these fields display “Self”.
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Pending Transfers Table (cont.)
Heading
Description
Amount
The dollar amount of the transfer.
Date
The date the payment is scheduled to be transferred
(for recurring transfers, the date of the next
transfer).
Actions
The column provides an I want to menu for each
transfer, which allows you to edit or cancel the
transfer.
Viewing and Editing a Transfer
The Transfer Detail page provides basic information about any pending
transfer. Pending transfers can be any transfers scheduled at a future date; or
transfers with a variable amount that is scheduled at a recurring date.
Transfers with zero amounts may indicate that an occasional transfer
occurred; you are required to enter an amount and date for the next transfer.
To view a transfer in the Pending Transfers table:
1. In the Pending Transfers table, click the transfer’s From account link. (You
can also click Edit in the transfer’s I want to menu.)
The Edit Transfer page appears.
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You can edit or change any aspects of the pending transfer and schedule it
for processing on this page.
2. Edit any of the fields as necessary. For example, if you want to unschedule
the transfer, remove the date in the Scheduled Transfer Date field.
3. Click Update Transfer.
A Confirm Transfer Instructions page appears.
4. Confirm the changes and click Submit Changes.
A Scheduled Transfer Updated page appears.
5. Click the Transfers tab to return to the Transfers page.
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Canceling a Pending Transfer
Users can cancel any pending transfers on the Pending Transfers table. If you
accidentally cancel a transfer, you can schedule a new transfer.
To cancel a transfer in the Pending Transfer table:
1. In the transfer’s I want to menu, click Cancel Transfer.
The Transfer Cancel page appears.
2. Verify the transfer, and then click the Cancel Transfer button.
A “Transfer Successfully Cancelled” message appears. Click Done. You
have successfully canceled a pending transfer.
Transfer History
The system allows you to view any transfer histories that occurred in the last
two years since you signed up for this financial website. Any transfer made
more than two years ago will not be retained in the system.
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Viewing Transfer History
To view a transfer history:
1. From the main Transfers page, click the View Transfer History link.
The Transfer History dialog appears.
2. Enter the account information and dates you want to include in the
history:

Transfer From: Select the account the funds were transferred from.
The default is All Accounts.

Transfer To: Select the account the funds were transferred to. The
default is All Accounts.

From: Type the first day to include in the history (MM/DD/YYYY), or
click the calendar icon. The default is one month prior to today’s date.

To: Type the last day to include in the history (MM/DD/YYYY), or click
the calendar icon. The default is today’s date, or one week after today’s
date if your institution offers external account transfers.
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3. Click View History.
The Historical Transfers page appears.
4. Click an account link to view the transfer details.
The Transfer Details page appears.
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5. Click Done to return to the main Transfers page.
You have successfully accessed your Transfer History.
External Transfers
External Transfers is an account management tool that gives you the power to
transfer funds between your Online Banking account and an external account
at another financial institution: one-time, future-dated, or recurring.
In addition to transfers between your own Online Banking accounts, you may
be able to transfer funds in a number of other ways:

Transfers between personal account(s) and personal account(s) of other
users at your financial institution.
You can transfer funds between your personal account(s) and the personal
account(s) of other users at your financial institution. For example, you
can transfer funds from a checking account to a relative’s checking
account who also banks at your financial institution.

Transfers between personal account(s) to personal account(s) of other
users at other (for example, external) financial institutions.
You can transfer funds between your personal account(s) and to the
personal account(s) of other users at a different financial institution. For
example, parents can transfer funds from a checking account to the
savings account of their son who is attending college in another state.
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How are External Accounts Established?
The External Transfers feature is a simple and convenient money
management tool to set up your external accounts and schedule transfers.
The request and access verification process is designed to quickly and
securely set up all external accounts.
To process an external account request—particularly a “transfer from”
account—your financial institution takes steps to verify the ownership of the
external account.
The general flow for verifying accounts is as follows:
1. The user enters an external account request. Using the Add External
Transfer Account page, you enter information identifying an external
account to create a request. The system stores the account information
and shows a pending External Account request on the User Services Add/
View Account Services page.
2. Your Financial Institution verifies the account. Once the request has
been entered, an account verification process begins. Depending on the
services offered by your institution, the verification may use one of the
following methods:

Customer Validation: An automated process allows you to verify your
authorized access to the external account online. (This method is not
available for external loan accounts.)

FI Authentication: A representative at your financial institution reviews
and manually approves your external transfer account request. This
requires you to send the institution a printed, signed copy of the
account request, along with evidence of external account ownership,
such as a deposit slip or voided check for the account. The financial
institution may use the Auto Approve feature, which verifies the
existence of the external account after a prenote is sent, and
automatically grants access to it after six days.
Upon completion of any of these verification methods, the system sends
you an in-session confirmation message stating that your external
transfer account has been accepted. You can view the message on the
Messages tab.
3. The external transfer account is ready for scheduling transfers.
Once the external account has been approved or validated, you can
schedule an external transfer by selecting the account in the Schedule
Transfer section’s From Account and/or To Account account lists.
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Refer to Entering an External Transfer Account Request in Chapter 8 for
details on requesting an external transfer account.
Scheduling an External Transfer
Once an external transfer account has been activated, the external account
appears in the Schedule Transfer section’s From and/or To account lists
(depending on whether your request allowed transfers to or from the external
account). The lists display either the external institution name or the external
account nickname and the account type “External”.
When the external account is accessible in Schedule Transfer, you can select it
to schedule a transfer to or from the external account in exactly the same way
as with your other accounts. Refer to Scheduling a New Transfer for details.
Only a few possible differences exist with external transfers:

External transfers may have their own cut-off time. If so, it is displayed
below the cut-off time for normal accounts.

External transfers may require additional security authentication to verify
your identity before they will be processed.
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Scheduling Loan Payments
Online Banking offers additional management tools for users who have online
loan accounts. The Transfers tab drop-down menu has options to let you
schedule your loan payments and to access your payment histories. Loan
options are visible only if you have loan accounts and the correct account
privileges.
To schedule a loan payment:
1. To access the Schedule a Loan Payment page, do one of the following:

From the Transfers tab or any other page in Online Banking, point to
the Transfers tab heading and click Schedule Loan Payment from
the tab drop-down menu.
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
On the Transfers page, click Schedule Loan Payment from the
Schedule Transfer module’s I want to menu.

On the Accounts page, click Make Loan Payment from the loan
account’s I want to menu.

On the loan’s Account Detail page, click Make Loan Payment in the
I want to menu.
2. On the Schedule Loan Payment page, select the originating account from
which you want to move funds in the From list.
3. In the To list, select the destination loan account for your payment. If you
have only one loan account, it is automatically selected.
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4. In the Transfer Description box, enter a brief description for the
transaction. The field has a maximum length of 127 characters. This
description serves as a reminder to yourself about the transactions; it is
not sent to your financial institution and does not appear on the account
statement.
5. In the Amount box, enter the dollar amount of the loan payment.
6. In the Frequency list, select the type of payment:
Payment Frequency Options
Field
Description
One Time
One-time only event. Transfers are not
rescheduled automatically.
Fixed Recurring
Transfers are automatically rescheduled for
the same dollar amount each time.
Variable Recurring
Transfers are automatically rescheduled, but
you must enter a new dollar amount each
time.
Occasional
Transfers are not automatically rescheduled,
but the transfer remains on the Pending
Transfers table.
7. In the Period list, select how often to schedule the payment:
Payment Period Options
Field
Description
Once
Use this period if you selected One Time or
Occasional as the frequency.
Weekly
Every week on or near the same day of the
week you scheduled the first payment.
Every Two Weeks
Every other week on or near the same day of
the week you scheduled the first payment.
Monthly
Every month on or near the same day of the
week you scheduled the first payment
Every Two Months
Every other month on or near the same day
of the week you scheduled the first payment
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Payment Period Options (cont.)
Field
Description
Quarterly
Every three months on or near the same day
of the week you scheduled the first payment.
Twice a Year
Every six months on or near the same day of
the week you scheduled the first payment.
Yearly
Every 12 months on or near the same day of
the week you scheduled the first payment
8. In the Scheduled Payment Date box, enter the date when the payment
will be processed (MM/DD/YYYY). The default is today’s date.
9. Click Make Payment.
A confirmation page appears.
One of three possible results occurs:

Payment scheduled for the same day.

Payment scheduled for a future date.

Payment fails.
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10. If you scheduled the payment for the same day, you see a confirmation
asking if you sure you want make this payment. From this page, click
Make Payment, Edit, or Cancel.

Make Payment – Click this button to make the payment. The payment
is recorded on the Transfer History table. You have successfully
scheduled your transfer.

Edit – Click this button to make changes to the payment.

Cancel – Click this button to cancel the payment.
If you scheduled the payment for a future date, you see a confirmation
page with the message, “Please confirm payment instructions below and
click “Schedule Payment” button below”. From this page, click Schedule
Payment, Edit, or Cancel.

Schedule Payment – Click this button to schedule the payment for a
future date. The payment is recorded on the Transfers Pending page.
You have successfully scheduled your payment.

Edit – Click this button to make changes to the payment.

Cancel – Click this button to cancel the payment.
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Payment Failure
If your immediate payment fails, you can edit it and try again or reschedule it.
If you reschedule it, the system will process it as a scheduled payment the
next processing day.

Try Again/Edit – Click this button and the Schedule Payment page
reappears. You may attempt the payment again, or you may edit the
fields in the payment and click the Make Payment button again.

Next Processing Day – Click this button to schedule the payment for
the next processing day.

Cancel – Click this button to cancel the scheduled payment.
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Principal and Interest Loan Payments
Depending on the services offered, your financial institution may allow
standard loan payments (principal plus interest), principal-only, interest-only,
or separate principal / interest allocation payments. (Contact your financial
institution for details.)
Financial institutions configured for Principal and/or Interest payments
provide an I want to menu on the Schedule Loan Payment section with the
option Specify Principal/Interest.
If you use this action, a separate Schedule Loan Payment page opens. In
place of a single Amount field, this page has one or more fields as configured
by your institution, such as Amount to be applied to Principal and
Amount to be applied to Interest.
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You may have the option to pay specific amounts for each loan payment’s
principal, interest, or both if you desire.
From this page, follow the same procedure for scheduling the payment as for
any other loan payment, except for the separate allocation of Principal and/or
Interest amount rather than a simple Amount. Refer Scheduling Loan
Payments to for details.
Scheduling Multiple Transfers
Using the Multiple Transfers feature, you can move funds from as many as
four accounts to other accounts, and schedule the transfers to occur once or
on a recurring basis. When you schedule transfers to take place on the same
day, you will see the transfers on the Transfer History table. If you schedule
transfers to take place on the next day or beyond, you will see the transfers
on the Pending Transfers table.
Note
Principal Only or Interest Only loan payments cannot be scheduled
on the Multiple Transfers page.
The cut-off time located in the upper right section of the Multiple Transfers
page is the daily cut-off time for creating and approving transfers. Transfers
scheduled and approved prior to this time will be processed that day. Any
transfers scheduled and approved after this time will be processed on the
following business day.
There are four Transfer panes on the Multiple Transfers page. All contain the
same standard transfer input/selection fields and system data. Transfer panes
2, 3, and 4 become active if you click anywhere within the desired pane.
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To schedule new multiple transfers:
1. Point to the Transfers tab heading and click Schedule Multiple
Transfers from the tab drop-down menu.
The Multiple Transfers page appears. Use the Schedule Multiple Transfers
form to schedule your transfers.
2. In the From list, select the account from which to transfer funds.
Transfers from cross-border accounts are not supported, so those
accounts do not appear in the list.
3. In the To list, select the account to receive the funds.
4. In the Transfer Description box, enter a brief description for the
transfer.
The description serves as a reminder to yourself about the transaction. It
is not sent to your financial institution and does not appear on the account
statement. The box has a maximum length of 127 characters.
5. In the Amount box, enter the dollar amount of your transfer. For
example, you can use any of the following formats: 100, 100.00, $100.
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6. In the Frequency list, select the frequency of the transfer. The frequency
of a transfer tells the system if the transfer should be rescheduled and if
the transfer involves a fixed or variable dollar amount. The possible
options are as follows.

Fixed Recurring – Transfers are automatically rescheduled for the
same dollar amount each time.

Variable Recurring – Transfers are automatically rescheduled, but
you must enter a new dollar amount each time.

Occasional – Transfers are not automatically rescheduled, but the
transfer remains on the Pending Transfers table.

One Time – Transfers are not automatically rescheduled and appear
only on the Transfer History table.
7. In the Period list, select the period of the transfer to further define the
frequency for recurring transfers. The period tells the system when to
reschedule the transfer. The possible options are as follows.

Once – Use this period if you checked the One Time box or if you
selected Occasional as the Frequency.

Weekly – Every week on (or near) the same day of the week you
scheduled the first transfer.

Every Two Weeks – Every other week on (or near) the same day of
the week you scheduled the first transfer.

Monthly – Every month on (or near) the same day of the week you
scheduled the first transfer.

Every Two Months – Every other month on (or near) the same day of
the week you scheduled the first transfer.

Quarterly – Every three months on (or near) the same day of the
week you scheduled the first transfer.

Twice a Year – Every six months on (or near) the same day of the
week you scheduled the first transfer.

Yearly – Every 12 months on (or near) the same day of the week you
scheduled the first transfer.
8. In the Scheduled Transfer Date box, enter the date when the transfer
will take effect (mm/dd/yyyy). Today’s date is the default.
You can also use the calendar icon to select the date.
9. Repeat the above steps for transfers 2 – 4, if necessary.
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10. Click Transfer.
A confirmation page appears.
11. Click Transfer, Edit, or Cancel.

Transfer – Click this button to initiate the transfer.

Edit – Click this button to make changes to the transfer.

Cancel – Click this button to cancel the transfer.
When you click Transfer, your transfers are processed in numeric order. As
the transfers process, do not navigate from the page. Transfer panes waiting
to be processed are indicated as “Pending”. Once all transfer panes have
processed the pane is refreshed with information pertaining to the status of
the transfer.
If one of your immediate transfers fails, you can cancel, edit it and try again,
or reschedule it. If you reschedule it, the system will process it as a scheduled
transfer on the next processing day.
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Scheduling Advanced Transfers
For institutions that offer the Advanced Transfers feature, Schedule
Advanced Transfer appears in the Transfers tab drop-down menu. With
Advanced Transfers, Online Banking allows you to move funds from one
account to several other accounts (1 to Many), or from several accounts to
one account (Many to 1). Aside from the selection of From and To accounts,
setting up advanced transfers is essentially the same as other transfers.
An advanced transfer can occur once or on a recurring basis. When you
schedule a transfer to take place on the same day, you will see the successful
transfer on the Recent Transfers table. If you schedule a transfer to take
place on the next day or beyond, you will see the transfer on the Pending
Transfers table.
Advanced Transfer Processing
When you view an advanced transfer, you see details on the processing of the
transfers between individual accounts that are the components of an
advanced transfer. The system attempts to process all component transfers at
the scheduled time. However, because multiple accounts are involved, some
component transfers within the advanced transfer may be delayed or fail while
others succeed.
The Cut-off Time shown on the Advanced Transfers page is the daily cut-off
time for creating and approving transfers. Transfers scheduled and approved
prior to this time will be processed that day. Any transfers scheduled and
approved after this time will be processed on the following business day.
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To schedule a new advanced transfer:
1. Click the Transfers tab, and select Schedule Advanced Transfer from
the drop-down menu.
The Schedule Advanced Transfer page appears.
You use the four tabs on the page to set up and schedule your transfer.
You must complete the fields on a given tab to be able to move to the next
one. You can click a previous tab to go back if necessary.
2. On the Accounts tab, select the Transfer Type, either From One (1) to
Many or From Many to One (1).
The From and To account options below change according to your
selection.
3. In the From list, select the account(s) to transfer funds from. You can
select a single account for a One (1) to Many transfer; select two or more
accounts for a Many to One (1) transfer. The system displays the available
balance of the selected account(s).
4. In the To list, select the account(s) to receive the funds. You can select a
single account for a Many to One (1) transfer; select two or more accounts
for a One (1) to Many transfer. The system displays the available balance
of the selected account(s).
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Note
External accounts are not available for selection in From or To
lists for advanced transfers.
5. In the Description box, enter a brief description for the transfer, up to 64
characters. The description serves as a reminder to yourself about the
transaction; it is not sent to your financial institution and does not appear
on the account statement.
6. If you want to save the transfer you are creating as the basis for future
transfer submissions, select the Create transfer template after this
transfer is submitted check box. Refer to Using Transfer Templates for
more.
7. Click Continue to move to the Amounts tab.
8. On the Amounts tab, enter the total dollar amount of all the component
transfer amounts in the Total Transfer Amount box. You can use any of
the following formats: 100, 100.00, $100.
9. In the boxes under Transfer Amounts, enter the dollar amounts
applicable to the individual accounts that make up the components of the
advanced transfer. These are the To accounts you selected for a One (1)
to Many transfer type, or the From accounts you selected for a Many to
One (1) transfer type.
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Note
The total of the individual amounts you enter must equal what
you entered for Total Transfer Amount. The Total field at
the bottom automatically calculates the sum of the individual
amounts. As illustrated below, the field is yellow while the sum
and Total Transfer Amount disagree, and turns green when
the totals are equal.
10. Click Continue to move to the Schedule tab.
Total is yellow until
amounts match
Amounts add up to
Total Transfer Amount
11. On the Schedule tab, select the frequency of the transfer in the
Frequency list. The frequency of a transfer tells the system if the transfer
should be rescheduled and if the transfer involves a fixed or variable dollar
amount. The possible options are:

Fixed Recurring – Transfers are automatically rescheduled for the
same dollar amount each time.

Variable Recurring – Transfers are automatically rescheduled, but
you must enter a new dollar amount each time.

Occasional – Transfers are not automatically rescheduled, but the
transfer remains on the Pending Transfers table.

One Time – Transfers are not automatically rescheduled and appear
only on the Transfer History table.
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12. In the Period list, select the period of the transfer to further define the
frequency for recurring transfers. The period tells the system when to
reschedule the transfer. The possible options are:

Once – Use this period if you checked the One Time box or if you
selected Occasional as the Frequency.

Weekly – Every week on (or near) the same day of the week you
scheduled the first transfer.

Every Two Weeks – Every other week on (or near) the same day of
the week you scheduled the first transfer.

Monthly – Every month on (or near) the same day of the week you
scheduled the first transfer.

Every Two Months – Every other month on (or near) the same day of
the week you scheduled the first transfer.

Quarterly – Every three months on (or near) the same day of the
week you scheduled the first transfer.

Twice a Year – Every six months on (or near) the same day of the
week you scheduled the first transfer.

Yearly – Every 12 months on (or near) the same day of the week you
scheduled the first transfer.
13. In the Schedule On box, enter the date when the transfer will take effect
(mm/dd/yyyy). Today's date is the default date.
14. Click Continue to move to the Confirm & Submit tab.
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15. Review all the transfer details, and if all are correct, click Confirm &
Schedule Transfer to submit the transfer.
The Advanced Transfer Details page appears with a verification message.

If you scheduled the transfer for a future date, the component transfers
are listed as Scheduled.

If you scheduled the transfer for the same day, the component
transfers are listed as Processing.
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Note
When advanced transfers are processed, each transfer to or
from the “One” account is processed and posted on the core
as two or more individual transfers.
16. Transfer Failure. If you made an immediate transfer and there is a transfer
failure, options are provided to let you retry the failed transaction(s) or
cancel all failed transactions.
Any failed transfers can be selected. The following buttons also appear:

Retry Selected - Resubmits selected failed transfers. You can deselect
any failed transfers that you do not want to resubmit at this time. The
page refreshes to show the results.
Note
All failed transfers will automatically continue to retry for up to
3 days unless canceled.

Cancel ALL Failed - Cancels failed transfers.
17. Click Done.
If you chose to create a template from the transfer, the new template appears
on the Transfer Templates page. The information you entered on the
Accounts and Amounts tabs for the transfer are in the template. The
Schedule tab information you entered is not included in the template.
Using Transfer Templates
Transfer templates make it easy for you to create transfers that need to be set
up frequently, but not on a regularly recurring basis. A transfer template
allows you to set up and save the basic parameters of a transfer, minus the
scheduling information.
When you need to create a new transfer, starting with an appropriate template
reduces the amount of setup needed. Any details, such as the transfer
amount, can still be adjusted as necessary at that time.
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You can create transfer templates from scratch, or generate a template based
on a transfer you are creating. In either case, the transfer parameters you
enter are saved to establish the template, and become the default values for
any new transfer created from that template. You can save any number of
transfer templates.
From this page you can create a new template from scratch. Remember that
when you create a transfer directly, you can always select an option that will
save the transfer parameters as a template once you confirm the transfer.
Creating a Transfer Template
You can create transfer templates from scratch, or create a template based on
a transfer you are creating. In either case, the transfer parameters you enter
are saved to establish the template and become the default values for any
new transfer created from that template.
To create a transfer template from scratch:
1. Click the Transfers tab, and select Transfer Templates from the
drop-down menu.
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The Transfer Templates page appears, listing any existing templates.
Transfer Templates Page
Column
Template
Description
Description
 Displays
the name given to describe the purpose
or function of the transfer defined in the template.
 The
name is a link that goes to the Edit Transfer
Template page.
 The
name(s) of whoever created and last modified
the template also may appear.
From
 The
account that funds should be transferred
from.
 For
a Many to One transfer, this reads “Multiple
Accounts”. Refer to Scheduling Advanced
Transfers for information on Many to One
transfers.
To
 The
account that should receive the transfer
funds.
 For
a One to Many transfer, this reads “Multiple
Accounts”. Refer to Scheduling Advanced
Transfers for information on One to Many
transfers.
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Transfer Templates Page (cont.)
Column
Actions
Description
Contains an I want to menu for each template with
the following options:

Create Transfer - Begins the creation of a
transfer based on this template.

Edit - Goes to the Edit Transfer Template page.
This is the same as clicking the name link in the
Template Description column.

Delete - Deletes the template.
Note
A given template is visible only to those who have edit privileges
on all the accounts the template specifies.
2. Click +New Template in the upper right corner of the page.
The Create Transfer Template page appears.
You use the three tabs on the page to enter transfer parameters that
define the template. You must complete the fields on a given tab to be
able to move to the next one. You can click a previous tab go back if
necessary.
3. On the Accounts tab, enter a descriptive name in the Template
Description box. It can be up to 127 characters, and must be unique.
4. If your institution offers advanced transfers, select the Transfer Type:
From One (1) to One (1), From One (1) to Many, or From Many to One
(1).
The From and To account options below change according to your
selection.
5. In the From list, select the account(s) to transfer funds from.
If your institution offers advanced transfers, you can select two or more
accounts for a Many to One (1) transfer.
6. In the To list, select the account(s) to receive the funds.
If your institution offers advanced transfers, you can select two or more
accounts for a One (1) to Many transfer.
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Note
For institutions offering both external transfers and advanced
transfers, external accounts are not available for selection in From
or To lists for advanced (Many to One/One to Many) transfers.
7. Click Continue to move to the Amounts tab.
8. On the Amounts tab, enter the transfer amount. You can use any of the
following formats: 100, 100.00, $100.
For a One (1) to One (1) transfer type, enter the dollar amount of the
transfer in the Total Transfer Amount and Transfer Amounts boxes.
If your institution offers advanced transfers, enter all the required
amounts.
For a One (1) to Many or a Many to One (1) transfer type, enter the total
dollar amount of all the component transfer amounts in the Total
Transfer Amount box.
In the boxes under Transfer Amounts, enter the dollar amounts
applicable to the individual accounts that make up the components of the
advanced transfer. These are the To accounts you selected for a One (1)
to Many transfer type, or the From accounts you selected for a Many to
One (1) transfer type.
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Note
The individual amounts you enter can differ, but their total must
equal what you entered for Total Transfer Amount. The Total
field automatically calculates the sum of the individual amounts.
The Total box is yellow while its sum and Total Transfer
Amount disagree, and turns green when they are equal.
9. Click Continue to move to the Confirm & Save tab.
10. Review all the transfer details, and if all are correct, click Save Template
to save the template for future use.
The Transfer Templates page appears with the new template in the list.
Editing a Transfer Template
You can edit transfer templates at any time if you need to add new accounts,
change default amounts, or make other adjustments.
To edit a transfer template:
1. Click the Transfers tab, and select Transfer Templates from the
drop-down menu.
The Transfer Templates page appears, listing any existing templates to
which you have access.
2. Click the template name link in the Transfer Description column.
Alternatively, click Edit in the template's I want to menu.
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The Edit Transfer Template page appears.
3. Move through the tabs on the page as necessary to update transfer
parameters that define the template. You must complete the fields on a
given tab to be able to move to the next one. You can click a previous tab
go back if necessary.

On the Accounts tab, edit the Transfer Type, From and To accounts,
or Description.
Note
For institutions offering both external transfers and advanced
transfers, external accounts are not available for selection in From
or To lists for advanced (Many to One/One to Many) transfers.

On the Amounts tab, edit the transfer amount. You can use any of the
following formats: 100, 100.00, $100.
Note
For a One (1) to Many or a Many to One (1) transfer type, the
individual amounts you enter can differ, but their total must
equal what you entered for Total Transfer Amount. The
Total field at the bottom automatically calculates the sum of
the individual amounts. The field is yellow while the sum and
Total Transfer Amount disagree, and turns green when the
totals are equal.
4. On the Confirm & Save tab, review all the transfer details, and if all are
correct, click Save Template to save the edited template.
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The edited template appears in the list of templates on the Transfer Templates
page.
Deleting a Transfer Template
Transfer templates can be deleted at any time when they are no longer
needed.
To delete a transfer template:
1. Click the Transfers tab, and select Transfer Templates from the
drop-down menu.
The Transfer Templates page appears, listing any existing templates to
which you have access.
2. Click Delete in the I want to menu of the template you no longer need.
The Delete Transfer Template Confirmation page appears.
3. Review all the details, and if you are sure this is the correct template, click
Delete Template.
The template no longer appears in the list of templates on the Transfer
Templates page.
Deleting a template has no effect on the processing of any transfers that may
have been scheduled using the template.
Creating a Transfer from a Template
You can create a transfer from a template at any time. The template provides
a description, the account selection, and the amounts as defaults. You supply
the schedule, updating any of the default information if necessary.
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To create a transfer from a template:
1. Click the Transfers tab, and select Transfer Templates from the
drop-down menu.
The Transfer Templates page appears, listing any existing templates.
2. In the list, locate a template with parameters similar to the transfer you
want to make and click Create Transfer in its I want to menu.
The Schedule Transfer page appears.
You use the four tabs on the page to enter or edit transfer parameters.
The parameters on the Accounts and Amounts tabs come from the
template; the Schedule parameters are generic defaults.
3. Move through the tabs on the page as necessary to update transfer
parameters preset by the template. You must complete the fields on a
given tab to be able to move to the next one. You can click a previous tab
go back if necessary.

On the Accounts tab, edit the Transfer Type, From and To accounts,
or Description.
Note
For institutions offering both external transfers and advanced
transfers, external accounts are not available for selection in From
or To lists for advanced (Many to One/One to Many) transfers.

On the Amounts tab, edit the transfer amount. You can use any of the
following formats: 100, 100.00, $100.
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Note
For a One (1) to Many or a Many to One (1) transfer type, the
individual amounts you enter can differ, but their total must equal
what you entered for Total Transfer Amount. The Total field at
the bottom automatically calculates the sum of the individual
amounts. The field is yellow while the sum and Total Transfer
Amount disagree, and turns green when the totals are equal.
4. On the Schedule tab, select the frequency of the transfer in the
Frequency list. The frequency of a transfer tells the system if the transfer
should be rescheduled and if the transfer involves a fixed or variable dollar
amount. The possible options are:

One Time – Transfers are not automatically rescheduled and appear
only on the Transfer History table.

Fixed Recurring – Transfers are automatically rescheduled for the
same dollar amount each time.

Variable Recurring – Transfers are automatically rescheduled, but
you must enter a new dollar amount each time.

Occasional – Transfers are not automatically rescheduled, but the
transfer remains on the Pending Transfers table.
5. In the Period list, select the period of the transfer to further define the
frequency for recurring transfers. The period tells the system when to
reschedule the transfer. The possible options are:

Once – Use this period if you checked the One Time box or if you
selected Occasional as the Frequency.

Weekly – Every week on (or near) the same day of the week you
scheduled the first transfer.

Every Two Weeks – Every other week on (or near) the same day of
the week you scheduled the first transfer.

Monthly – Every month on (or near) the same day of the week you
scheduled the first transfer.

Every Two Months – Every other month on (or near) the same day of
the week you scheduled the first transfer.

Quarterly – Every three months on (or near) the same day of the
week you scheduled the first transfer.

Twice a Year – Every six months on (or near) the same day of the
week you scheduled the first transfer.
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Yearly – Every 12 months on (or near) the same day of the week you
scheduled the first transfer.
6. In the Schedule On box, enter the date when the transfer will take effect
(mm/dd/yyyy). Today's date is the default date.
7. Click Continue to move to the Confirm & Submit tab.
8. On the Confirm & Submit tab, review all the transfer details.
If you are scheduling an external account transfer and your institution
requires additional authentication, you may need to enter a security
answer or perform some other authentication step. Authentication must
be performed to complete the transfer approval before the transfer is
processed.
9. If all details are correct, click Confirm & Schedule Transfer to submit
the transfer.
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The Transfer Details page appears, showing the status of the transfer.

If you scheduled the transfer for a future date, the component transfers
are listed as Scheduled.

If you scheduled the transfer for the same day, the component
transfers are listed as Processing.
10. Transfer Failure. If you made an immediate transfer and there is a transfer
failure, options are provided to let you retry the failed transaction(s) or
cancel all failed transactions.
Any failed transfers can be selected. The following buttons also appear:

Retry Selected - Resubmits selected failed transfers. You can deselect
any failed transfers that you do not want to resubmit at this time. The
page refreshes to show the results.
Note
All failed transfers will automatically continue to retry for up to
3 days unless canceled.

Cancel ALL Failed - Cancels failed transfers.
11. Click Done to return to the Transfers page.
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Frequently Asked Questions
Q: If I have a problem transferring funds, how do I report it?
A: When a problem occurs with a transfer, write down the Transfer ID number
appearing on the Transfer Confirmation page, and refer to it when you report
the problem by secure email to your financial institution. Click the Contact Us
link at the top of any page (next to the Log Out link) to report the problem to
your financial institution.
Q: Can I transfer money from one account to another account?
A: Yes, if both accounts are accessible online and you have been granted the
necessary privileges. Click the Transfers tab, and look for the Schedule
Transfer module on the page. Fill in the account, description, amount,
frequency, and period information, and click the Transfer button to schedule
the transfer.
Q: Can I transfer money online to my parent’s account at another
institution?
A: Yes, if your financial institution offers External Transfers. You can enter an
external transfer account request for your parent’s account at another
financial institution on the Add External Transfer Account page. Your financial
institution will review and approve the request, and notify you by an
in-session alert message that when the external account is available in Online
Banking.
Q: When I schedule a same-day transfer, are these changes reflected
immediately in my balance?
A: Yes, the debit transfers are reflected immediately on the Account Detail
page and may appear as an unposted or pending transaction. The posted
transactions will be displayed when your financial institution updates the
online transfers.
Q: How soon after a transaction is performed will it appear on the
system?
A: This varies according to the type of transaction. Some transactions are not
instantaneous. However, debit transactions may show up immediately as an
unposted or pending transaction and will affect your available balance.
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Chapter 6: Notify Me Alerts Tab
What’s in this Chapter
This chapter covers the Notify Me Alerts feature, and describes how to set up
and edit various types of notifications and their delivery methods.
Introduction
The Notify Me Alerts feature allows you to easily monitor your online account
activity, balances, online messages and account security by opting-in to
receive automatic notifications. With reliable, timely notifications, you can
better manage your accounts by avoiding unnecessary service charges,
ensuring transactions are processed, and monitoring unusual activity on your
accounts.
Alert Types
The system provides three types of alerts:

Account Activity alerts – Notification when specific types of activity
have occurred on an account, or have exceeded thresholds that you have
set.

Messaging alerts – Notification when various types of messages are sent
to your online inbox, or there has been a change to your online service
privileges.

Security alerts – Notification when security-related changes have been
made, or when certain banking operations have completed—e.g., a bill
payment has been made.
Navigating the Notify Me Alerts Tab
To access Notify Me Alerts options:
1. Click the Notify Me Alerts tab.
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The Notify Me Alerts page appears.
You can navigate to other related pages by pointing to the Notify Me Alerts tab
heading and using its drop-down menu:

Notify Me Alerts – Click to return to the “home” view of the page.

Alert History – Click for a listing of notifications that have been sent.

Change Contact Information – Click to edit your notification contact
information.
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2. View and edit information displayed on the page.
The Contact Information for Alerts section at the top of the page
shows how alerts can be sent to you. Your primary email address is always
shown. When you have entered a secondary email address or mobile
phone number, they are also shown.
Editing contact information—including enrolling a mobile phone number—
is covered in Chapter 8, under Changing Your Contact Information.
Below the Contact Information section is a section with three sub-tabs:
Account Activity Alerts, Messaging Alerts, and Security Alerts.
Select a sub-tab to list the available alerts of that type and access their
editing options.

Account Activity Alert editing options – Edit all alerts on all
accounts at once using the Edit Account Activity Alerts action from
the I want to menu in the sub-tab header. You also have the option of
editing individual alerts, using the links in the sub-tab’s # of Accounts
Selected column or the Edit action in an alert’s I want to menu.

Messaging Alert editing options – Edit delivery modes for all
messaging alerts by clicking Edit Messaging Alerts in the Messaging
Alerts sub-tab I want to menu.

Security Alert editing options – Edit delivery modes and other
settings for all security alerts by clicking Edit Security Alerts in the
Security Alerts sub-tab I want to menu.
Setting Up Delivery Modes
Delivery modes are the ways in which Notify Me Alert notifications can be sent
to you. The following delivery modes are supported:

Primary email address (default)

Secondary email address (optional)

Mobile phone number (optional; available only with financial institutions
that offer SMS text messaging service)
You should set up the delivery modes you may want to use before editing your
alerts. Once you have entered your email address(es) and mobile phone
number, as applicable, you can select them as delivery modes for alert
notifications.
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On the Notify Me Alerts tab, you can click Change Contact Information in
the Notify Me Alerts tab drop-down menu or the Contact Information for Alerts
section I want to menu, or go to the update page under User Services. Refer
to Changing Your Contact Information in Chapter 8 for detailed information on
editing email addresses and entering/enrolling a mobile phone number.
Setting Up Account Activity Alerts
Account Activity alerts notify you of online account activity and balances. This
feature allows you to avoid unnecessary service charges, ensure transactions
are processed, and be notified of unusual activity on your accounts.
The lower part of the Account Activity Alert edit page lists your accounts and
the current settings for this alert on each account.
“Not set” under Delivery Mode indicates that the alert is not active for that
account. Otherwise, the email address(es)/mobile phone number shown
under Delivery Mode indicate that the alert is active and show where the
notifications are being sent for each account. Option settings, if any, are listed
to the left of the delivery modes.
You can edit your alert settings at any time. The changes take effect
immediately. Account activity alert notifications are sent at the end of the day.
To set up Account Activity alerts:
1. Click the Notify Me Alerts tab.
The Notify Me Alerts page appears. The Account Activity Alerts sub-tab
is displayed by default, showing the available alerts and indicating which
ones, if any, are currently set.
2. Click Edit Account Activity Alerts from the I want to menu in the
sub-tab header.
The Accounts selection page appears, showing all accounts.
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3. Use the check boxes to select the accounts on which to edit alerts, then
click Edit Alert on Selected Accounts.
The Edit Account Activity Alert page appears.
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This page provides a separate Select Account Activity section for each of
the accounts you selected. In each section, all possible Account Activity
alerts are listed, and for each alert, your available delivery modes. If you
have already set up some alerts, they show the delivery modes you
selected in the Send to column, as well as any other settings (such as an
amount) that you have specified for them.
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4. For each account, use the check boxes in the Send to column to select
delivery modes for the alerts you want to receive, or remove delivery
modes for the ones you do not want.
Note
The Account Statement and Account Document alerts, when
available, are an exception. To select delivery modes for these
alerts, select Edit from the I want to menu for the individual
alert on the main Notify Me Alerts page. Refer to Setting Up
Statement and Document Alerts for details.
5. For each alert (other than those with no parameter) that has at least one
delivery mode selected, set the alert’s parameter.
For dollar amounts, use the format <dddddd>.<cc>, where d=dollars,
c=cents; for example, 0.99, 100.00, 99.50.
Account Activity Alerts
Alert
Account Balance
Description
 Receive
a notification at regular intervals
containing the amount of the current
account balance.
 Select
a frequency for the alert: daily,
weekly, biweekly, or monthly.
Account Overdrawn
Receive a notification when the account has
been overdrawn. (no parameter setting)
Balance > $
 Receive
a notification when the account’s
balance is above the specified amount.
The balance information is based on the
account’s current (ledger) balance.
 Enter
Balance < $
a balance amount.
 Receive
a notification when the account’s
balance is below the specified amount.
The balance information is based on the
account’s current (ledger) balance.
 Enter
a balance amount.
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Account Activity Alerts (cont.)
Alert
Check #(s) Cleared
Description
 Receive
a notification when the specified
checks clear on the selected account.
 Enter
an individual check number (for
example, 101; several check numbers (for
example, 101, 102, 103); or a range of
numbers (for example, 103-4, 1100-200).
Deposit Made > $
 Receive
a notification when one or more
deposits over a specified amount are
made on the account.
 Enter
Transaction > $
a deposit amount.
 Receive
a notification when one or more
transactions over the specified amount
are made on the account.
 Enter
a transaction amount.
Account Statement
Now Available
Receive a notification when the current
statement for an account has become
available for viewing online. (no parameter
setting)
Account Document
Now Available
Receive a notification when an electronic
document has become available for viewing
online. For some institutions, this may
include the current statement for an
account. (no parameter setting)
Incoming Wire
Transfer
 Receive
a notification when an incoming
wire transfer has arrived on the account.
(no parameter setting)
 Available
only to customers with Incoming
Wire Transfer privileges.
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Account Activity Alerts (cont.)
Alert
Description
Outgoing Wire
 Receive a notification when processing
Transfer Confirmation
information for a submitted wire transfer
has arrived. (no parameter setting)
 Available
only to customers with Outgoing
Wire Transfer privileges.
6. To change a balance amount, check number, deposit amount, or
transaction amount, enter a value in the text box. To cancel a notification,
clear all the check boxes in an alert’s Send to section.
7. Click Submit to save your changes.
A confirmation screen appears briefly, and then the Notify Me Alerts page
appears with the Account Activity Alerts list showing the number of
accounts that have alerts set.
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Setting Up Statement and Document Alerts
The process for setting up delivery modes for e-statement and e-document
alerts is different from other Account Activity alerts. These alerts—for
institutions that offer the e-statement and/or e-document services—must be
set up by editing them individually. On the lower part of the Account Activity
Alert edit page, select Edit from the I want to menu for the individual alert.
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This opens the edit page for the alert. The edit pages for the Account
Statement Now Available and Account Document Now Available alerts have
essentially the same features.
The e-Delivery Status column indicates whether you have opted in to
electronic-only delivery of documents or statements for each account. For
opted-in accounts (e-Delivery Status ON), the delivery mode(s) currently
selected are shown.
To update delivery mode for an opted-in account:
1. Select or clear check boxes for the delivery mode(s) at the top of the page
as needed. Your primary email address is selected by default and cannot
be deselected.
2. Select the account(s) to which the selected delivery modes should apply.
You can use the Check All or Uncheck All buttons to select or deselect
all available accounts at once.
3. Click Submit.
A message noting the change appears briefly. Then you return to the main
Notify Me Alerts page.
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If you want to set up alerts for accounts that are not yet set up for
electronic-only delivery, you can opt in starting from the alert edit page. Click
the NO indicator to go to the opt-in page for that account. Or click Opt in For
ALL Accounts to request e-delivery for all your accounts. In either case, an
Accounts page appears, displaying a disclosure that must be accepted.
Refer to Account Statements with Electronic-only Delivery for more on
opting-in to electronic only delivery of statements and documents.
Setting Up Messaging and Security Alerts
Setting up Messaging alerts and Security alerts is almost the same as Account
Activity alerts, except that there is no need to select accounts.
1. Select the appropriate sub-tab on the Notify Me Alerts page.

The Messaging Alerts sub-tab looks like this:

The Security Alerts sub-tab looks like this:
(The alert “A security-related change is made” always appears. You see
other alerts only when you have corresponding Online Banking
services.)
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2. Click Edit Messaging Alerts or Edit Security Alerts in the I want to
menu of either sub-tab to go to the editing page for the selected alert
type. For Messaging Alerts, the page looks like this:
3. On the editing page, select delivery mode(s) to indicate where the desired
alerts should be sent.
Note
Most Security alerts are not optional. They have the primary
email address selected as a delivery mode by default, and it
cannot be removed.
4. In the case of Security alerts, as illustrated below, some alerts take a
parameter value. Change the system default value if necessary.
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5. Click Save to save the changes.
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Editing Account Activity Alerts
Notify Me Alerts allows you to edit or remove Account Activity alerts at any
time. The changes take effect immediately.
To edit individual Account Activity alerts:
1. On the Notify Me Alerts page, click Edit in the appropriate alert I want to
menu.
The edit page for that alert appears. The current alert settings, if any, for
each account are listed.
2. Use the Select check boxes to select which accounts the changes should
affect.
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3. Specify delivery mode(s) and, if necessary, a parameter value.
4. Click Submit to make the changes.
A confirmation page flashes on the screen. The Notify Me Alerts page
appears.
Removing an Account Activity Alert
You can remove or delete your Account Activity alerts at any time. The change
takes effect immediately.
To remove an Account Activity alert:
1. On the Notify Me Alerts page, click Delete in the I want to menu for the
alert you want to remove.
The Delete Alert page appears, with the accounts that currently use the
alert listed and selected.
2. Clear the Select check box for any account from which the alert should
NOT be deleted.
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3. Click Delete Alerts.
A confirmation page appears briefly, and then the Notify Me Alerts page
appears with the changes.
Note
You can also remove an Account Activity alert by clearing all
Send to boxes on for the alert on the Edit Account Activity
Alert page.
Editing Messaging and Security Alerts
You can use the same process to edit Messaging alerts and Security alerts as
you do to set them up, described above (see Setting Up Messaging and
Security Alerts).
As noted previously, Security alerts are always sent to the primary email
address, and this cannot be changed. However, you can edit the other
available delivery modes for your Security alerts, and edit the amount
parameters that some Security alerts require.
Enrolling for Text Message Alerts
For financial institutions that offer text messaging notification (SMS alerts),
you have the option of entering the phone number of your mobile device and
enrolling to receive alert notifications as text messages.
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If you have not yet entered a mobile number, or have entered one but not
enrolled, you see on-screen messages prompting you to do so. On the Notify
Me Alerts page, under Mobile Phone in the Contact Information for Alerts
section, the message “Not Set” appears in red to remind you that no mobile
number has been entered. Once a number is on file but not enrolled, an
Enroll to receive text alerts link appears next to the number.
When you enter or change an email address or mobile number, the Change
Contact Information confirmation page also has an Enroll to receive text
alerts link to let you begin the enrollment process at that point. The link goes
to the Enroll your mobile phone number for text alerts page.
Standard Terms and Conditions about enrolling in text messaging are shown
in the shaded box on this page:

Cellular carriers that support Notify Me Alerts via text messaging are
listed.

You are advised that a cellular carrier may charge message and data rates
for text messaging service. You must be the account holder for the mobile
number given.

A short code is provided, to which you can text “HELP” for assistance via
text message, or “STOP” to stop receiving ANY Online Banking text
messages.
Note
If you only want to cancel Notify Me Alerts text messages, we
recommend that you edit your Notify Me Alerts settings online
rather than sending a “STOP” command via your mobile phone.
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To enroll for text message alerts:
Note
The enrollment process requires you to enter a registration
code that is texted to your mobile number, so you should have
your mobile device at hand before starting to enroll.
1. Click the Enroll to receive text alerts link.
The Enroll your mobile phone number for text alerts page appears.
You should receive a text message from your financial institution on the
mobile device, containing a registration code.
2. In the text box, enter the registration code that was received.
If you did not receive a registration code, you can use the Click here link
provided on this page to request that another code be sent.
3. Click the I have read and agree to the Terms and Conditions check
box.
If a financial institution has its own special agreement, Terms and
Conditions is a link and opens a content file to read.
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4. Click Submit to complete enrollment.
The Text Alert Enrollment Confirmation page appears.
Viewing Alert History
The Online Banking system keeps track of all recent Account Activity,
Messaging and Security alerts that have been sent to you within the last 30
days. To verify whether you have been receiving the alerts you have selected,
you can view this history of recent alerts on the Alert History page.
To view recent alerts that have been sent to you:
1. From the Notify Me Alerts tab or any other page in Online Banking, point
to the Notify Me Alerts tab heading and click Alert History from the tab
drop-down menu.
The Alert History page appears.
For each alert listed, the type of alert, the date and time it was sent, and
where it was sent are given.
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2. Review the alert list.
For some alerts, the left-hand column contains a link.
3. Click a Type of Alert link to view details of the alert.
The Alert Details page appears.
The page shows the details of the activity that triggered the alert. Details
can include:

Date and time when the alert was sent

Type of alert triggered

Criteria that caused the alert to trigger

Delivery modes by which the alert was sent
4. Click Done to return to the Alert History page, or Notify Me Alerts in the
tab heading drop-down menu to go back to the Notify Me Alerts page.
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Chapter 7: Messages Tab
What’s in this Chapter
This chapter presents procedures to send secure messages to your financial
institution and to reply to any alert or broadcast message sent to your Unread
Messages box.
Introduction
The Messages tab allows you to read messages from your financial institution
and to send secure messages to OLB Support in the event of a problem. The
Messages tab is also used to keep you informed of activity in your accounts.
You will be notified when scheduled payments have been made, and when
changes have been made in your account. For example, you receive
confirmation every time your passcode is changed or funds are transferred
between your accounts. You will also be notified if there were insufficient
funds in your account to make a scheduled payment, or if any other problems
occur with a bill payment.
Because the messaging system is secure and encrypted, you can send your
account number in the body of the message. But please do not send your
passcode. OLB Support does not need it to assist you.
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Navigating the Messages Tab
The Messages tab allows you to securely communicate with your financial
institution concerning topics related to your online accounts. The Unread
Messages page is the main page for the Messages tab. You can always reach
the following messaging pages using the I want to menu, or the tab header
drop-down menu:

Inbox. Contains links to all the messages that you have received and
have not yet deleted.

Unread Messages. Contains links to new messages that you have not
read yet.

Sent Messages. Contains links to view all sent messages from the past
120 days.

Contact Us. Starts a secure message through which you can
communicate your concerns to your financial institution.
To read or send messages, click the Messages tab. The Unread Messages
page appears.
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If any urgent messages are waiting for you when you log in, an Urgent
Messages bar appears at the top of most Online Banking pages until you
read the message. All urgent messages are listed by date. Click a message
subject link to open the Messages tab.
You can temporarily hide the bar by clicking the Remind Me Later link on the
right.
Filtering by Message Category
The different message lists available from the Messages tab—Unread
Messages, Messages Inbox, and Sent Messages—have a Category column to
help you distinguish various types of message. Categories include Broadcast
Message, Secure Message, and the categories available for a message you
sent. By default, all messages in the list are shown at once, regardless of
category.
At any time, you can filter the message list to display just one category using
the category filter, immediately to the left of the I want to menu. Click the
filter and select a category to show messages of that category only.
To remove the filtering, select All Messages.
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Accessing Unread Messages
The Unread Messages page displays all messages you have received but have
not yet opened.

The Sent column indicates the date and time of the most recent message
in a message history.

Urgent messages are indicated by the urgent message icon

All messages (read or unread) are deleted after 120 days.
.
To access the Unread Messages page, do one of the following:

Click the Messages tab.

Click Unread Messages from the tab header drop-down menu.

Click Unread Messages in the I want to menu of any other page on the
Messages tab.
The Unread Message page appears.
The Unread Messages page appears by default if you have any unread messages.
Accessing the Messages Inbox
The All Messages page displays all read and unread messages sent to you
within the past 120 days, and any message replies that you have sent. The
system automatically removes any message older than 120 days. All unread
messages are displayed in bold font.

The icon
indicates a message that has an attachment.

The icon
indicates a message that is a reply that you sent.

The urgent message icon
in the Subject column indicates that a
message requires your immediate attention.
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To access the All Messages page:
1. Point to the Messages tab and click Inbox from the Messages tab
drop-down menu, or click Go To Inbox in the I want to menu on any
Messages tab page.
The All Messages page appears.
2. Click a link in the Subject column to view a message.
Accessing Sent Messages
The Sent Messages page displays all messages and service requests that you
sent to the financial institution in the last 120 days. After 120 days, all
messages will be deleted. The Sent column indicates the date and time of the
most recent message in a message history.
To access the Sent Messages page:
1. Point to the Messages tab and click Sent Messages from the Messages
tab drop-down menu, or click View Sent Messages in the I want to
menu on any Messages tab page.
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The Sent Messages page appears.
2. Click a link in the Subject column to view a message.
Sending New Messages
You can send a secure message to the financial institution in any of the
following ways:

The Contact Us link at the top of the page, next to the Log Out link.

The Contact Us item in the Messages tab header drop-down menu.

The Send a Secure Message link in the Contact Us section of the User
Services tab.

Any link in the Other Service Requests section of the User Services tab
(for example, Stop Payment, Reorder Checks, or Request
Documents).

The Send a Secure Message to <financial institution name> link on
any error page.

The Secure File Transfer link on the User Services page if the financial
institution offers the service.
If your financial institution allows file uploads, you can send attachments with
your messages.
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To send a secure message:
1. Use one of the methods listed above to start your secure message.
The Send a Message page appears.
2. In the Regarding list, select the account that you are inquiring about, or
select Other if it concerns some other issue. This field is required.
3. In the Category list, select the message type. This field is required and
helps the system transmit the message to the responsible OLB Support
representative at the financial institution.
4. In the Subject box, type a few words to identify your message. This field
is required and has a maximum length of 40 characters.
5. In the Message box, type your message. Do not include your passcode in
the message; OLB Support does not need it to help you.
6. To attach a file to the message before sending (if your financial institution
offers this service), do the following:

Drag a file from another window and drop it in the attachment area
below the Message box.
- OR -

Click browse to find and attach the file to the message.
You can attach a file of up to 5 MB. Some file types are not allowed. If you
have secure file transfer privileges, the maximum file size is 20 MB. Any
attached files are listed at the bottom of the page.
7. Click Send Message.
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The Secure Message Sent page appears. You have successfully sent a secure
message to the financial institution.
Viewing Messages
You can view a message from the Unread Messages page, the Sent Messages
page, or from the All Messages page by clicking the subject line of the
message. If the message is part of an existing message history, all previous
messages appear at the bottom of the page.
To read a message:
1. In the Subject column, click the message link you want to read.
The Message page appears.
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2. View the message.
You have successfully accessed the message.
3. If your financial institution sent an attachment, click the attachment link
to open or download the attached file.
Your browser’s download dialog box opens.
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4. Select the Save option in the dialog box.
5. In the Save dialog box, specify a folder to download to and then click
Save.
The file is downloaded to your computer. You have successfully
downloaded the attachment.
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Replying to a Message
You can reply to a message from the message view page. The original or
previous message(s) will be included in the reply in the Message History
section. You can reply to broadcast and system-generated messages in
addition to direct communication from the financial institution.
To reply to a message:
1. On the Message page, click Reply.
The Reply To A Message page appears.
2. Scroll down to Message History to review the previous related messages
sent or received from the financial institution.
3. In the Message box, type your message. Do not include your passcode in
the message. OLB Support does not need it to help you.
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4. Click Send Message to transmit the message.
You have successfully replied to a message.
Deleting Messages
You can delete unwanted messages from the system at any time.
Note
The system automatically deletes all messages older than 120 days.
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There are several ways to delete a message:

Open the message, then click Delete Message at the bottom of the page.
A confirmation page appears briefly on the page, then the Messages Inbox
appears. The message is immediately deleted.

Or, select the check box next to the message(s) you want to delete on the
Unread Messages, All Messages, or Sent Message pages. You can use the
check box in the header row to select all messages for deletion. Then click
Delete Selected Messages.
The confirmation page appears.
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You can click a message link on the confirmation page to verify that it is
the message you want to delete. Click Delete to delete the listed
message(s).
A page confirming the deletion appears briefly. The message(s) you
selected are immediately deleted.
You have successfully deleted the message(s).
Frequently Asked Questions
Q: Why is secure messaging necessary?
A: The information you are sending is sensitive. A secure message ensures
that your information will stay confidential. However, never send your
passcode. OLB Support does not need it to help you.
Q: How do I read a message from my financial institution?
A: Click the Messages tab, and then click the message you wish to read in
the list.
Q: How do I send a secure message?
A: Click the Contact Us link that appears at the top of every page next to the
Log Out link.
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Chapter 8: User Services Tab
What’s in this Chapter
This chapter covers a suite of account management tools available on the
User Services tab. These tools allow users to manage, and update their
accounts.
Navigating the User Services Tab
The User Services page provides a one-stop location to manage your online
accounts. The page contains links to various online services, such as sending
a secure message to your financial institution, changing your passcode,
requesting documentation or transaction items, updating your contact
information, reordering your current checks, and requesting stop payments.
Note
Your financial institution may not offer all of these features.
To access User Services:
1. Click the User Services tab.
The User Services page appears.
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2. Click the link of the service you need. The links are grouped in several
sections.
Manage Account Links
Link
Description
Add/View Account
Services
Add, edit or remove online accounts. Refer to
page 208.
Add New Online Account
Add a new online account. Refer to page 212.
Add External Transfer
Account
Enter an external transfer account request. Refer to
page 214.
Account Nicknames
Edit your account nicknames. Refer to page 224.
Change Contact
Information
Update your primary or secondary email addresses,
phone numbers, or mailing address so that your
institution can send you notifications and security
codes. Refer to page 225.
Account Statements
For financial institutions that offer E-statements,
allows you to receive only the electronic form of your
monthly statement on the system. The paper form,
which is identical to the electronic form, will no longer
be mailed to you. Refer to page 231.
Account Documents
For financial institutions that offer E-documents,
allows you to receive only the electronic form of your
account documents (disclosures, legal notices, etc.)
on the system. The paper form, which is identical to
the electronic form, will no longer be mailed to you.
Refer to page 232.
Account Statements &
Documents
For financial institutions that offer E-statements and
E-documents managed jointly, allows you to receive
only the electronic forms of these documents on the
system. The paper forms, which are identical to the
electronic forms, will no longer be mailed to you.
Refer to page 232.
Remove Online Account
Set any of your accounts to a “No View” state. The
account will no longer be viewable online but
balances, histories, and statements, if any, will
continue to process. Refer to page 232.
Mobile Management
For financial institutions that offer Mobile Manager
mBanking, allows you to enroll for the service and
manage your devices. Refer to page 235.
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User Preferences Links
Link
Description
Marketing Preferences
Opt-in or opt-out of marketing messages from your
financial institution. Refer to page 236.
Start Page Selection
Set the start page for your online session. The start
page is the first page that appears after you log in.
Refer to page 237.
Language Preferences
For financial institutions that offer multiple language
support, select the language to use for the Online
Banking site. Refer to page 237.
List Sorting
Set how the accounts are sorted on your pages. Refer
to page 238.
Quick History
Set the number of recent transactions and the time
range for the transactions seen on the Account Detail
page. Refer to page 240.
Transaction Categories
Set, edit or remove transaction categories. Refer to
page 241.
ACH Batches-Display
Items per Page
For commercial users with ACH batch privileges, this
link appears and lets you set the number of batch
items that appear per page when viewing an ACH
batch. Refer to page 244.
Adjust Font Size
Adjust the default size of the font displayed on the
screen. Refer to page 245.
Other Service Requests Links
Link
Description
Stop Payment
Request a stop payment of a check, electronic
payment, or recurring draft on your financial
institution. This is not for Online Bill Pay. Refer to
page 246.
Request Documents
Request copies of statements or checks. Refer to
page 251.
Reorder Checks
Reorder your current checks from your financial
institution. For security reasons, your checks must
have the same name, address, and style as your last
order. Refer to page 253.
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Other Service Requests Links (cont.)
Link
Description
Secure File Transfer
For financial institutions that offer secure file transfer
capability, allows you to send a message with an
attachment of up to 20 MB to the financial institution.
Refer to page 254.
Security Settings Links
Link
Description
Change Access ID
For financial institutions that allow access ID editing,
lets you change the access ID you use to log in to the
Online Banking web site. Refer to page 256.
Change Passcode
Change the passcode you use to log in to the Online
Banking web site. Refer to page 260.
Change Security
Verification Questions
Change your security verification questions and/or
answers on the system. Refer to page 262.
Security Code Delivery
Preference
Change the delivery method by which you can have a
security code sent to you. Refer to page 264.
Security Token
View or activate your security token. Refer to
page 264.
Personal Finance Software
Access
For financial institutions that support the Quicken®/
QuickBooks® DirectConnect feature, lets you control
access the software has to your Online Banking data.
Refer to page 270.
Contact Us Links
Link
Description
Send a Secure Message
Send an encrypted message to OLB Support at your
financial institution. Refer to page 271.
Contact Information for
<financial institution name>
Find basic contact information for your financial
institution. Refer to page 273.
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Adding and Editing Account Services
The Account Services page provides a suite of account management tools that
you can use to add new accounts, edit existing accounts, and remove access
to current online accounts.
The Account Services page shows all current accounts with the following
information.
Account Services Table
Column Heading
Account #
Description
 The account number of the account.
 Account numbers are masked by default, displaying only
the final few digits
. Click the green unmask icon to
see the full number. The red mask icon
conceals the number again.
Account Type
The type of account.
Account Name
The account nickname, or the account owner name.
Services
The current services that are assigned to the account.
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Account Services Table (cont.)
Column Heading
Description
Actions
For each account, provides an I want to menu that lets you
edit account nicknames or add services to an account if
available. Also allows you to remove access to online
accounts.
Pending Online
Accounts
If any pending account activations/approvals by the financial
institution are outstanding, they are listed below the account
information and displayed in red text.
Editing an Account
The Account Services Edit page provides an account nickname field as well as
buttons to upgrade services. The following information is provided.
Account Services Edit Table
Column Heading
Description
Account Owner
The official name of the account holder on the system.
Account Type
The type of account.
Account Number
 The account number.
 Account numbers are masked by default, displaying only
the final few digits.
Services
The current services that are assigned to the account.
Account Nickname
The nickname given to the account.
Available Services
The additional online services available on the account. If the
account already has access to all available online services, the
message, “This account has no additional services available”
appears.
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To edit an online account or service:
1. On the User Services page, click Add/View Account Services in the
Manage Account section.
2. In the I want to menu of the appropriate account, click Edit.
The Account Services Detail page appears.
3. In the Account Nickname box, enter or change the account nickname,
up to 50 characters.
Note
A default account nickname may have been assigned. Depending
on your institution’s settings, default nicknames may or may not
be editable.
4. If you would like to add an online service to your account, click it under
Available Services.
(Not all accounts have additional services available.)
5. Click Submit.
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Account nickname changes happen immediately. Account service requests are
sent to the financial institution for processing, and you see a confirmation
screen.
Enabling Access
The Account Services page allows you to re-enable online access to an
account you have previously removed from your online account list. When you
re-enable an account, you will see the current online services assigned to the
account, as well as any additional services that may be available for the
account, such as Bill Pay.
To enable an account for use:
1. On the User Services page, click Add/View Account Services in the
Manage Account section.
The Account Services page appears.
2. In the I want to menu of an account that has had its online access
removed, click Enable Access.
A Confirmation page appears with your request.
3. On the Confirmation page, verify the account that you would like to
re-enable for online access. Select the Bill Pay service if you want to
request Bill Pay services on a checking account.
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4. Click Submit.
A final confirmation page appears.
5. Click Done to return to the Account Services main page.
Your request for Online Bill Pay will be processed by your financial
institution.
Adding a New Online Account
The Add New Online Account page provides an easy method to add an account
for online access. An account must already exist at your financial institution
prior to requesting online access.
Note
Due to regulatory withdrawal limitations, you may request Bill
Pay for checking accounts only.
To add a new account:
1. To access the Add New Online Account page, do one of the following:

On the User Services page, click Add New Online Account in the
Manage Account section.
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
On the Account Services page, click Add New Online Account in the
main I want to menu.

On the Accounts page, click the Add An Account icon (
of the page.
) at the top
2. On the Add New Online Account page, enter the account number in the
Account # box.
3. In the Nickname box, enter a nickname, up to 50 characters, to help you
identify the account when you view it online.
Note
A default account nickname may have been assigned. Depending
on your institution’s settings, default nicknames may or may not
be editable.
4. On the Account Type drop-down list, select the account type.
5. If you would like to add Online Bill Pay to a checking account, select its
Bill Pay check box.
6. Repeat steps 2-4 for additional accounts.
7. Review your information, and then click Add Account(s).
The Add New Online Account Confirmation page appears with your
request.
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8. On the Confirmation page, click Submit.
Your request will be reviewed and processed by the financial institution. You
receive an in-session alert noting the results of the request.
Entering an External Transfer Account Request
The External Transfer approval process allows you to easily enter a new
request for an external transfer account. Refer to External Transfers in
chapter 5 for general information on external transfer accounts.
To enter an External Transfer Account request:
1. Use any one of these methods to begin the Add External Transfer Account
process:

On the Snapshot page, click Add External Account in the Make a
One-Time Transfer module.
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
On the User Services/Account Services page, click Add External
Transfer Account in the I want to menu.

On the User Services page, click Add External Transfer Account in
the Manage Account section.
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From the Transfers tab or any other page in Online Banking, point to
the Transfers tab heading and click Add External Transfer Account
from the tab drop-down menu.
The User Services Online Banking External Transfer Service Agreement
page appears.
2. Read the Service Agreement page, and then click Accept at the bottom of
the page to continue.
The Add External Transfer Account page appears.
3. On the Add External Transfer Account page, enter the account
information. All fields are required.

Financial Institution Name – The name of the financial institution
where the external account is located.

Account Owner Name – The name on the external account.

Account Usage – Whether the external account is used for Personal or
Business purposes.

Account Type – The type of external account:
• Checking
• Savings
• Loan (available only for institutions that offer external loan accounts)
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
Routing & Transit # – The 9-digit routing and transit number that
identifies the external financial institution.

Account #/Verify Account # – The account number of the external
account.

Account Nickname – A nickname to be used in Online Banking for the
external account. The nickname must be unique.
4. Select the type(s) of transfer to enable for the account in the Transfer TO
This Account and/or Transfer FROM This Account check boxes.
Transfer FROM is not available if ‘Loan’ is selected for Account Type.
5. The institution may offer the option to specify transfer limit amounts. If
so, enter a dollar amount for the transfer service(s) selected (To/From).
(The amount cannot exceed the institution’s allowed maximum, which can
vary for transfers To and From. The institution limits are displayed for
reference.)
6. Your institution may offer the option to select a transfer processing
method. The method governs how far in advance of the Scheduled
Transfer Date that the funds are moved out of the source account. If the
option is available, select either 1-day or 4-day processing. (If your
institution does not offer this option, the selection shown under Transfer
Processing Method cannot be edited.)
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7. Click Submit.
A confirmation page appears.
Note
The illustrations in this manual show pages as they appear for an
institution using Customer Validation, with all available options
visible.
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8. On the Confirmation page, review the information, and then click Submit
to continue.
Note
Entries on the Confirmation page should be verified carefully before
submitting. When Customer Validation is being used, erroneous
entries—such as an incorrect Routing & Transit number—cannot be
corrected once the request has been submitted.
In such cases, the request will be declined and must be resubmitted
with correct information.
The Request Submitted page appears.
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9. Print the page.
10. Depending on the external account approval method used by your
institution, you may need to sign the page and then mail it with a canceled
check, deposit slip or the like to your institution for authorization. (Some
financial institutions may not require you to sign the application.) Follow
the instructions on the page.
You have successfully submitted an external transfer account request.
Tracking the External Account Verification Process
You can track the progress of your pending external account requests on the
User Services/Account Services page. All pending external account requests
appear at the bottom of the page until the processing of the request is
complete. Once the account is available, you will receive notification. The
account will then be available for use on the Transfers page and on the
Account Services page.
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The pending section of the page looks slightly different depending on the type
of verification used by your institution:
Verification by
FI Authentication
(manual approval)
Verification by
Customer
Validation
(automated)
Validating External Transfer Accounts
Your institution may provide the Customer Validation method of verifying your
authorization to access a requested external Checking or Savings account.
(External Loan accounts are not eligible for Customer Validation even for
institutions that offer external Loan transfers and support this verification
method.) The process is automated, but it requires your participation.
The process works by sending two small deposits to the external account
within a few days of your request for access. (A single withdrawal of the total
amount of the deposits follows shortly afterward.) You must monitor the
external account for these deposits.
To validate a requested external account:
1. When the validation deposits have appeared in your external account,
record their values, or have your external account statement or external
account banking web site available.
2. Return to Online Banking and go to the User Services tab.
3. Click the Validate External Transfer Account link, which appears in the
Manage Account section when an external transfer account request is in
progress.
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The Validate External Transfer Account(s) page appears:
4. If you have more than one pending external account request, select the
one you are ready to validate from the External Account Submitted list
by the nickname you entered in the request.
5. In the Account # Submitted box, enter the last 4 digits of the external
account number. (For security reasons, the requested external account
number does not appear within Online Banking.)
6. Referring to your external account online site or account statement, find
the two small deposits made after your account request. The amounts
vary randomly from request to request.
7. Enter the sum of the two amounts in the Total amounts of 2 Deposits
box. For example, if the two deposits were $0.35 and $0.23, you would
enter 0.58.
8. Click Submit.
Provided the total amount entered agrees with the actual total of the two
deposit transactions submitted to the specified external account, and the
account number matches, you are granted access to the external account
for transfers within Online Banking immediately.
Unsuccessful Validations
Customer Validation may not succeed for various reasons:

Invalid user response – If the user enters an incorrect account number or
an incorrect total amount on the Validation page, access is not granted.
The user can make additional attempts at entering the correct
information. After a certain number of unsuccessful attempts, the request
fails.
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Invalid user input – If the user entered an incorrect account number,
routing number or other information on the request itself, the deposits to
the external account will fail, making validation impossible.
If for any reason the OLB user cannot successfully complete the validation of
an external account request, the OLB institution should be contacted for
assistance. Validation deposits can be sent again on request. Failed requests
can be resubmitted if some clarification about the required information was
needed. Ultimately, the institution can always have the user submit printed
documentation and use the manual approval process (FI Authentication) for
an external account request.
Request Expiration
The institution can be configured to have external account requests
(Customer Validation or FI Authentication) eventually expire if they are not
acted upon. The length of time from request submission to expiration is
configurable by your institution. If the institution is not configured for
expiration, requests not approved/validated or declined remain in the system
indefinitely.
Modifying External Transfer Processing Method
Some financial institutions allow the OLB user to select a transfer processing
method. In such cases, the processing method is specified as part of the
external transfer account request. Under Transfer Processing Method, the
user selects one of the following:

Scheduled at least 1 business day in advance of the Scheduled Transfer
Date.

Scheduled at least 4 business days in advance of the Scheduled Transfer
Date.
The processing method controls when the transferred funds can be expected
to actually be credited to or debited from the destination account. The
selected processing method is effective for all external transfer accounts, not
just the one in the request in which it was selected.
Institutions that offer the option provide the Modify External Transfer
Processing Method link in User Services under the Manage Account section.
To change the transfer processing method for their external accounts, click
this link to open the Modify External Transfer Processing Method page.
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To modify the processing method, selects the appropriate option and click
Submit.
The change is effective for any future external transfers the user schedules. It
does not affect external transfers that already have been scheduled or are
already in process, which proceed under the processing method in effect at
the time the transfer request was created.
Changing Account Nicknames
The Account Nicknames page allows you to name your accounts, making them
easier to recognize in lists and drop-down menus. For example, if you have
one checking account you pay bills from, you can name the account “Bill Pay”
to identify it.
To assign an account nickname:
1. On the User Services page, click Account Nicknames in the Manage
Account section.
2. In the Nickname box, enter a nickname for the account, up to 50
characters. The current nickname, if any, is shown.
Note
A default account nickname may have been assigned. Depending
on your institution’s settings, default nicknames may or may not
be editable.
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3. Click Update Nicknames to save your changes.
The User Services page appears. Your account will now be displayed by
nickname in addition to account number.
Changing Your Contact Information
Your contact information—email addresses, phone numbers, and mailing
address—allow your financial institution to get in touch with you when
necessary.
Anytime you update personal information on the system, such as your
passcode or security question/answer, etc., you will receive a notification. This
notification is delivered by either email or mobile phone. It verifies your
updates and ensures that no outside unauthorized party has changed your
personal information.
You can have two email addresses: a primary address and a secondary
address. You can also have a mobile phone number or an alternate phone
number as a contact option, and for delivery of security codes. Entering a
secondary email address, mobile phone number, or an alternate phone
number is optional. These can be used as alternate or additional delivery
methods for Notify Me Alert notifications and/or security codes.
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User Services allows you to edit all your Online Banking contact information
from a single page. Edits can be applied to all your accounts as well as your
Online Banking user profile, or to selected accounts only (with the option to
update your Online Banking profile).
Note
Many financial institutions present an occasional Email Reminder
that you see at login. You can choose to update your email
address at that time, or at a later date.
To update your email addresses, phone numbers and/or mailing address:
1. Access the Change Contact Information page. Do one of the following:

On the User Services page, click Change Contact Information in the
Manage Account section.

On the Notify Me Alerts tab, click Change Contact Information in the
Contact Information for Alert section’s I want to menu.

On the Accounts tab, from the Electronic Statement Delivery Status
section of the Account Statement page (after opting-in to
e-statements), click the Update Email button.

On the Email and Phone Verification page, click the Update Contact
Information button.
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The Change Contact Information page appears.
The page organizes contact information into several expandable panels:
Email Addresses, Phone Numbers, and Name and Address. Initially,
the Email Addresses panel is expanded and the other two are collapsed.
Above the panels is a section that allows you to specify whether to apply
changes to all your accounts (the default), or only selected accounts.
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2. If you want to have changes apply only to certain accounts, select the
Some of my accounts option. Options for selecting your accounts
appear:

From the list, select the accounts to which the contact information
changes should apply.

Below the account list, select either Yes or No to indicate whether the
changes should be applied to your Online Banking user profile.
3. Enter or edit your email addresses in the Primary Email Address and
Secondary Email Address box(es), as necessary.
4. In the appropriate Verify Email Address box(es), re-enter your email
address(es).
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5. Expand the Phone Numbers panel by clicking the expand icon ( ) in the
panel title bar, and enter or edit any of the phone numbers in the panel:

Phone/Main Phone

Contact Phone (Commercial users only)

Fax

Mobile Phone

Alternate Phone
Note
For financial institutions that do not offer text messaging, the
Mobile Phone enrollment instructions do not appear. For financial
institutions that do not offer voice delivery of security codes, the
related note does not appear.
6. Expand the Name and Address panel by clicking the expand icon ( ) in
the panel title bar, and enter or edit any of the address information in the
panel:

Name/Business Name (your financial institution may not allow
editing of this field via Online Banking)
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Contact Name (Commercial users only)

Address

City

State

Zip Code

County
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Note
For sub-users, and for all users of financial institutions that do not
allow editing of the contact address, the Name and Address
panel is not available.
7. Click Submit.
A verification page appears, listing the changes you made.
8. Click Submit on the verification page to save your changes.
A confirmation page appears.
An email notification will be sent to both your old and new email
addresses. If you changed your mobile phone number (and it was enabled
for text alerts), a notification text message will be sent to your mobile
phone.
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If you added or changed a mobile phone number, but have not yet
enrolled for text message alerts, the page includes a Proceed button to
take you to the Security Code Delivery Preferences page. It contains
information on enrolling, and an Enroll button. To start receiving text
message alerts, you need to select the “I have read and agree to the
Terms and Conditions” check box, then click Enroll to begin the
enrollment process. Refer to Mobile Management for information on
mobile phone number enrollment.
9. If there is no Proceed button, or you choose not to update your security
code delivery preferences, click Done on the confirmation page.
Your contact information has been successfully changed.
Note
Refer to Enrolling for Text Message Alerts in chapter 6 for
details on enrolling a mobile phone number for text message
Notify Me Alerts notifications.
Controlling E-Statement Delivery
When your institution offers electronic-only statements, controlled
independently, the Account Statements link appears in the Manage Account
section of User Services. You can opt in or opt out of electronic-only
statements by clicking this link to go to the Account Statement page. From
this page on the Accounts tab, you can select which accounts to affect, and
begin the opt-in or opt-out process.
Note
Refer to Account Statements with Electronic-only Delivery in
chapter 4 for details on opting in and opting out of
e-statement delivery.
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Controlling E-Document Delivery
When your institution offers electronic-only account documents, controlled
independently, the Account Documents link appears in the Manage Account
section of User Services. You can opt in or opt out of electronic-only account
documents, such as disclosures, legal statements, and terms, by clicking this
link to go to the Account Statement page. From this page on the Accounts tab,
you can select which accounts to affect, and begin the opt-in or opt-out
process.
Note
Refer to Account Documents with Electronic-only Delivery in
chapter 4 for details on opting in and opting out of
e-document delivery.
Controlling Delivery of Statements and Documents Jointly
When your institution offers both account statements and account documents
in electronic-only form, managed jointly, the Account Statements &
Documents link appears in the Manage Account section of User Services.
Account Documents and Account Documents links do not appear. You can
opt in or opt out of electronic-only forms of account statements and account
documents such as disclosures, legal statements, and terms by clicking this
link to go to the Documents page. From this page on the Accounts tab, you
can select which accounts to affect, and begin the opt-in or opt-out process.
Note
Refer to Account Documents with Electronic-only Delivery in
chapter 4 for details on opting in and opting out of
e-statement/e-document delivery.
Removing an Account
This function allows you to remove an account from your online account list.
When you remove an account, it will no longer be displayed online and can no
longer be used for any online transactions.
Any transactions that are assigned to the account at the time online access is
removed that have not already begun processing will be unscheduled and will
not be processed.
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All scheduled transfers and bill payments assigned to the account that have
not begun processing will be unscheduled and will not be processed. All
affected transactions will be displayed on the Remove Access confirmation
page. You can go to the Pending Transfers page (click the Transfers tab) and/
or the Pending Payments page (click the Payments tab) to re-assign another
account to any affected transaction.
Note
If this account is the only account with Online Bill Payment
services, all access to Bill Pay will be removed.
Once you remove online access to an account, you can always re-enabled the
account for online access at a later date.
To remove access to an account:
1. On the User Services page, click Remove Online Account in the Manage
Account section.
The Add/View Account Services page appears.
2. In the I want to menu of the account you want to change, click Remove
Access.
A confirmation page appears.
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3. Review the account information and any pending or scheduled
transactions that may be affected by your request. You can also print the
page for your records by clicking the Print button on your browser.
4. Click Submit to remove online access to the account.
A confirmation page appears.
5. Click Return to Account Services.
The Account Services page appears.
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The account that is no longer viewable online is marked with an icon ( )
next to the account number and is listed as “No View” in the Services
column. The account does not appear on other tabs in Online Banking and
cannot be used with any online transactions.
Re-enabling Access
An account that has been disabled from online access can be re-enabled at
any time. Refer to Enabling Access above for details.
Mobile Management
By default, for financial institutions that have a license for the Mobile Manager
mBanking service, all users (Retail and Commercial) will have access to the
Mobile Management page. These financial institutions may permit access to
the Mobile Management page for only specific Commercial users, if desired.
To access the Mobile Management page:
1. On the User Services page, click Mobile Management in the Manage
Account section.
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A redirection page appears first.
The Mobile Management Center then opens in a new window.
2. Follow the instructions on the Mobile Management Center pages to
manage your mBanking devices.
Changing Marketing Preferences
The Marketing Preferences page allows you to opt-in or opt-out of any
marketing messages from your financial institution. The marketing messages
give timely information about the state of your account and includes
information that could be helpful in using your online account.
To configure your marketing preferences:
1. On the User Services page, click Marketing Preferences in the User
Preferences section.
2. On the Marketing Preferences page, click Yes or No if you want to opt-in
or opt-out, respectively, and then click Submit.
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Setting Your Start Page
The Snapshot tab is the default start page for OLB sessions. However, you can
select any page as the first page that appears when you log in to Online
Banking using the Start Page Selection option. You can start on the main
page of any tab. For example, you can select ‘Accounts’ to always start your
session on the Account Summary page.
To customize your start page:
1. On the User Services page, click Start Page Selection in the User
Preferences section.
The Start Section page appears.
2. In the Section list, select the page to appear when you log in to the
system.
3. Click Update to save your selection.
A brief Confirmation Message page appears with your change. You will see
the selected page the next time you log in to the system.
Setting a Preferred Language
Some financial institutions offer the Online Banking in languages other than
English. For users of those financial institutions, the Language Preferences
page allows selection of languages for the web site text.
To select your preferred language:
1. On the User Services page, click Language Preferences in the User
Preferences section.
The Language Preferences page appears.
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2. In the Language Selection list, select the language for text on the
Online Banking pages.
3. Click Update to save your selection.
A brief Confirmation Message page appears with your change. Text in
Online Banking now appears in the language you selected.
Customizing Your List Sorting
The List Sorting page allows you to select the default sorting style for lists,
tables, and histories on this site. You will still be able to re-sort the lists using
the sort arrows by the column name on the page displaying the list.
To change the way a list is initially sorted:
1. On the User Services page, click List Sorting in the User Preferences
section.
2. Under List Name/Screen, find the name of the page to work with. You can
set the following pages:

Account Summary

Account History

Pending Payments (Good Funds financial institutions only)

Payment History (Good Funds financial institutions only)
3. To sort the Account Summary page, select from the Sort Style list:

No Change

Account Available Balance

Account Balance

Account Name

Account Number

Owner Name
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Note
Users with more than 20 accounts see a Search Accounts
section on the Accounts page. This feature let you narrow the
account list by searching on the Account Name, Account
Number, or Owner Name fields.
4. To sort the Account History page, select from the Sort Style list:

No Change

By Date Descending

By Date Ascending

By Transaction Description
5. To sort the Pending Payments page, select from the Sort Style list:

No Change

By Date Descending

By Date Ascending

By Payee Name
6. To sort the Payment History page, select from the Sort Style list:

No Change

By Date Descending

By Date Ascending

By Payee Name
Note
Users who have Bill Payments (Good Funds only) and Cash
Management will see additional list sorting options for those
pages.
7. To restore the default sorting method for any screen, select ‘No Change’.
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8. To update and save your selection, click Update.
Updating Your Quick History
The Quick History page displays the last 20 transactions. You can update the
number of items displayed and the date range of your transactions displayed
on the Quick History page.
To update your Quick History:
1. On the User Services page, click Quick History in the User Preferences
section. The Quick History Configuration page appears.
In the Number of Items Displayed list, select a number.
2. In the Reporting Period list, select the date range of your transactions.
3. Click Update.
The confirmation page appears briefly and then the system takes you to
the User Services page.
You have successfully updated your Quick History.
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Changing Transaction Categories
If your financial institution offers the Check Register service, you can view,
update and delete your transaction categories from the User Services page.
Transaction categories are descriptions and labels that you assign to each
category, so that you can organize your Income and Expense reports.
Updating Your Transaction Categories
To update your transaction categories:
1. On the User Services page, click Transaction Categories in the User
Preferences section.
2. On the Transaction Categories page, look over your categories. If you
want to update a category, click the Category Name link.
Clicking a category link opens the Edit Transaction Category page.
3. On the Edit Transaction Category page, select ‘Income’ or ‘Expense’ in the
Category Type list.
4. In the Category Name box, change the name.
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5. In the Category Description box, change the description of the
category.
6. Click Save Changes.
A confirmation page appears.
You have successfully edited a transaction category.
Adding a Transaction Category
If you require additional transaction categories other than those listed, you
can add any number of transaction categories to suit your needs.
To add a new transaction category:
1. On the User Services page, click Transaction Categories in the User
Preferences section.
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2. On the Transaction Categories page, click Add Transaction Category in
the I want to menu.
3. In the Category Type list, select a category type, either ‘Income’ or
‘Expense’.
4. In the Category Name box, enter a new category name, up to 64
characters.
5. In the Category Description box, enter a brief description.
6. Click Save & Return to add your category, or Save & Add Another
Category to add more categories.
A confirmation message appears at the top of the page.
You have successfully added a new transaction category.
Deleting a Transaction Category
You can delete any transaction category when it is no longer needed. Once
you delete a category, transactions will no longer have the category assigned
to them. You must reassign a new category to the item.
To delete a transaction category:
1. On the User Services page, click Transaction Categories in the User
Preferences section.
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2. On the Transaction Categories page, look over your categories. Click
the check boxes next to the categories you want to remove, and then click
Delete Selected Categories.
3. On the Confirmation page, review your category, and then click Delete
Selected Categories.
A confirmation message appears at the top of the page.
You have successfully deleted a transaction category.
Setting Batch Items Displayed per Page
Commercial users of Online Banking often work with ACH batches that contain
many batch items. Depending on the number of items typically found in
batches one works with, it may be more convenient to view more or fewer
batch items on a single page. The number of batch items displayed per page
in ACH History and ACH Pending lists can be adjusting during a session with
controls on those pages. The items per page setting can be saved as a default
for future sessions in User Services.
To set the number of ACH batch items to be displayed by default:
1. On the User Services page, click ACH Batches-Display Items per Page
in the User Preferences section. Only Commercial users have this option.
The Number of Items per page in ACH Batch page appears.
2. In the Per Page list, select the number items to be displayed by default.
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3. Click Update to save your selection.
A brief Confirmation Message page appears with your change. The
number of batch items you selected now appears by default when you
view a batch in ACH History or Pending ACH Batches. You can still change
the number of items displayed during the session using the view controls
on the page.
Adjusting Font Size
Depending on your browser settings and monitor size, you may find the
Online Banking screen displays difficult to read with the default font size. You
can always adjust the font size for your current session using the font adjuster
icons (
) in the upper right corner of any page. The Adjust Font Size
page lets you set the overall font size used on Online Banking so that it
remains the default for future sessions.
To adjust the font size:
1. On the User Services page, click Adjust Font Size in the User
Preferences section.
The Adjust Font Size page appears.
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2. Select a new size from the Current Font Size list. The list displays the
resulting sizes.
3. Click Update.
You see a brief confirmation message, then are returned to the User
Services page.
You have successfully changed your Online Banking font size.
Requesting a Stop Payment
The Stop Payment feature allows you to stop any payments that your have
made by check, one-time draft (ACH), or recurring draft (ACH) by completing
and submitting the online Stop Payment form. Your financial institution may
charge an additional fee for the Stop Payment feature. Please contact your
financial institution for more information.
Warning!
The Stop Payment feature is not for Online Bill Pay payments
or Online Banking-generated ACH batches. To stop an online
bill payment, click the Payments tab and delete or
unschedule the pending payment.
Some financial institutions require you to read the Stop Payment Disclosure
form prior to completing the Stop Payment Request form. Please read the
disclosure form carefully.
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Some financial institutions require you to print and sign a copy of the
Disclosure form and mail it to the financial institution before the request for
stop payment can become permanent. Follow the instructions as you
complete the request for Stop Payment process and be sure to mail in the
signed Disclosure form if this is required.
To request a stop payment:
1. On the User Services page, click Stop Payment in the Other Service
Requests section.
The Stop Payment page appears (seen on page 249).
2. In the Your Information section, review the name, daytime phone number,
and email address at the top of the form. Change any incorrect entries.
3. In the Payment to Stop section, select the account from which the
payment was made from the Account drop-down list.
4. In the Payment Date field, type the date on the check or payment. The
format is mm/dd/yyyy (for example, 01/12/2010). This box is optional.
5. From the Type of Payment drop-down list, select the payment type. The
options are the following:

Check

One-Time Draft (ACH)

Recurring Draft (ACH)
6. In the Check Number to Stop box, enter the check number of the
payment that you want to stop if the payment was made by check. This
information is required if you have selected “Check” as the payment type.

If you are stopping a range of checks, enter the starting check number
in the first box, and then enter the ending check number in the second
box. Both boxes are required if you want to stop a range of checks.

If you are stopping an electronic payment or recurring draft, the Check
Number to Stop box is not required.
7. In the Payee Name box, enter the payee’s name.
8. In the Amount box, enter the amount of the payment. To ensure we stop
the correct payment, the amount must be the exact dollar amount of the
payment. If you are stopping an electronic payment or recurring draft,
this box is required.
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9. On the Reason Stopped drop-down list select the reason you are
requesting the stop payment. The options are the following:

Cancelled Service or Contract

Dissatisfied

Lost or Stolen Blank Check(s)

Lost or Stolen Completed Check(s)

Other
10. In the Payment Replacement Information section, do one of the following.

If you haven’t replaced the payment (for example, you wouldn’t need
to replace a blank check), skip this section.

If you have replaced the payment (for example, if a check you sent was
lost in the mail and you sent a second one):
• From the Type of Payment drop-down list, select the replacement
payment type.
• In the Check/Payment Number box, enter the check number of
the replacement check. If this is a Recurring Draft or Electronic
Payment, leave this box blank.
• In the Date box, enter the date you wrote or issued the replacement
payment. This information is optional.
11. If the Disclosure form must be printed, signed and sent to your financial
institution, follow the Disclosure instructions to print and mail the
Disclosure form.
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12. Click the Submit Stop Payment Request button.
The Stop Payment Confirmation page appears.
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13. On the Stop Payment Confirmation page, review the stop payment
information for accuracy and then click Submit Stop Payment Request.
If you want to correct any information, click Back and then re-enter your
information.
The Online Stop Payment Request page appears.
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14. On the Online Stop Payment Request page, note the request confirmation
number and then click Return to User Services.
Your stop payment request has been submitted for processing.
Requesting Documents
The Request Documents page allows you to request copies of transaction
items (for example, canceled checks) or documents (for example, Service
Charge Information) filed at your financial institution.
Note
Please read the disclosure before submitting your request.
There may be additional fees for this request. Please contact
your financial institution for more details.
To request a copy of a check, deposit, or statement:
1. On the User Services page, click Request Documents in the Other
Service Requests section.
The Request Documents page appears (seen on page 253).
2. In the DOCUMENT INFORMATION section, select the account that was
used in the transaction in the Account list.
3. In the Name on Account, Daytime Phone, and Email fields, make sure
the name, phone number and email address are correct.
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4. In the Type of Document list, select type of item you are requesting:

Check

Statement

Deposit Slip

Deposit Item

Service Charge Information

Terms & Conditions

Signature Card

Internet Banking Agreement

Privacy Policy
5. In the Check No. or Description field, do one of the following:

For checks: Enter the check number.

For deposit slips or items: Enter the date of the deposit.

For statements: Enter the relevant month.
6. In the Amount field, do one of the following:

For checks or deposit slips, enter the amount.

For other items, leave this blank.
7. In the SEND REQUESTED ITEM TO section, do one of the following:

To receive the item in the mail, make sure the address is correct, and
delete the fax number if one is listed.

To receive the item by fax, delete the address and make sure the Fax
Number field is filled in.
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8. Read the disclosure at the bottom of the page, and then click the Order
Documents button.
Your request will be processed by your financial institution.
Reordering Checks
The Reorder Checks page allows you to reorder checks with the same style
and contact information as their last order. For security reasons, you must
contact your financial institution’s OLB Support directly to order checks with a
new style, or to change the address, phone number, or driver’s license
number printed on them.
Note
Financial institutions that offer access to a check provider’s
secure site may allow their users to change contact information
and check styles for all reorders.
To reorder checks:
1. On the User Services page, click Reorder Checks in the Other Service
Requests section.
2. In the Account list, select the account used with the checks.
3. In the Ordered by and Daytime Phone fields, change the name of the
person ordering and the daytime phone if necessary. Changing this
information does not affect what is printed on the checks.
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4. In the Starting Check Number field, enter the number to start your new
check series (usually the number printed on the final check in your current
series plus one).
5. In the Number of Boxes field, enter the number of boxes of checks you
need.
6. Click Submit Order.
If you are normally charged for new checks, that fee is debited from your
account. Your checks are sent to the same address as your last order,
usually arriving in 7 to 10 business days.
Note
Some financial institutions provide a direct link to a check
printer’s web site. The check printer’s site is not affiliated with
the Online Banking web site.
Making a Secure File Transfer
If your financial institution offers the secure file transfer option and you have
been granted the corresponding privileges, you can securely send files of up
to 20 megabytes to your financial institution. Files sent this way must be text
files (including .tsv and .csv) and can include sensitive information.
To change make a secure file transfer:
1. On the User Services page, click Secure File Transfer in the Other
Service Requests section.
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The Send A Message page appears.
2. In the Regarding list, select the account that you are inquiring about, or
select ‘Other’ if it concerns some other issue. This field is required.
In the Category list, ‘Secure File Transfer’ is set by default.
3. In the Subject box, type a few words to identify your message. This field
is required and has a maximum length of 40 characters.
4. In the Message box, type your message. Do not include your passcode in
the message; OLB Support does not need it to help you.
5. Click Attach File.
6. Click Browse to find and attach the file to the message. You can attach a
text file of up to 20 MB.
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7. Click Confirm to send the message with the attachment.
The Secure Message Sent page appears. You have successfully made a secure
file transfer.
Changing Your Access ID
If your financial institution offers this option, the Change Access ID page
allows you to change your access ID at any time.
Your access ID must contain from 5 to 20 characters, cannot contain your tax
ID/Social Security Number or account number, and cannot have been used by
your financial institution for any other user. It can contain a combination of
alpha, numeric, or special characters. Access IDs are case-sensitive: ‘johndoe’
and ‘JOHNDOE’ are two different access IDs.
To change your access ID:
1. On the User Services page, click Change Access ID in the Other Service
Requests section.
The Change Access ID page appears.
Note
You can also get to this page from any OLB page using the
Change Access ID item in the Welcome Center drop-down.
Refer to xx for an illustration.
2. Enter your current access ID in the Current Access ID field.
3. Enter your new access ID in the New Access ID field.
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4. In the Confirm New Access ID field, retype your new access ID.
5. Click Change Access ID.
The Access ID Change Confirmation page appears.
6. Click Submit to confirm the change.
The Change Access ID page appears, stating your new access ID, and
informing you that an email has been sent to you advising you of the
change.
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If you would rather choose a new access ID from a list of available IDs, do the
following.
1. On the Change Access ID page, instead of entering a new access ID,
select the link in the “To choose from a list of available Access IDs, click
here” statement at the bottom of the page.
The Access ID/Available Access IDs page appears.
2. Choose one of the available IDs by clicking on it.
The access ID you selected appears in the New Access ID field.
3. In the Confirm New Access ID field, type the new access ID.
4. Click Change Access ID.
The Access ID Change Confirmation page appears.
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5. Click Submit to confirm the change.
The Change Access ID page appears stating your new access ID, and
informing you that an email has been sent to you advising you of the
change.
Keeping Sensitive Information Out of Your Access ID
If you attempt to change your access ID to something containing personal
sensitive/banking information, the error screen appears warning you that your
new access ID contains sensitive/personal information. You will have to select
a different ID.
If your access ID contains personal sensitive/banking information, such as
your social security number or account number, you will be forced to change it
when you attempt to log in to Online Banking. When you attempt to log in, the
Change Access ID Security Warning page appears.

You can ask to be reminded to change your access ID at a later time
(predetermined by your financial institution) by clicking the Remind Me
Later button, provided you have not already exceeded the limit on
reminders.
You will be directed back to your default start screen.

Or, you can change your access ID at this time.
Refer to page 256 for details on changing your access ID.
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Changing Your Passcode
The Change Passcode page allows you to change your passcode at any time.
Your passcode must contain a minimum number of characters with at least
one number and one alphanumeric character. It must not be based on any
information you gave on your enrollment form and must not be similar to your
old passcode. Passcodes are case-sensitive: ‘APPLES1’ and ‘apples1’ are two
different passcodes.
To change your passcode:
1. On the User Services page, click Change Passcode in the Security
Settings section.
The Change Passcode page appears.
Note
You can also get to this page from any OLB page using the
Change Passcode item in the Welcome Center drop-down.
Refer to xx for an illustration.
2. On the Change Passcode page, type your old passcode in the Old
Passcode field. (Characters are displayed as dots.)
Note
The icon
appears in the Passcode fields to alert you if your
keyboard has Caps Lock set to on.
3. In the New Passcode field, type your new passcode.
4. In the Confirm New Passcode field, retype your new passcode.
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5. Click Change Passcode.
The Change Passcode Confirmation page appears. Remember to use your
new passcode the next time you log in.
Passcode Tips
Here are some passcode tips to increase your security online:

Passcodes with numbers and symbols as well as letters are more secure.

Passcodes that use both uppercase and lowercase characters are more
secure.

Longer passcodes are more secure. (Minimum length is 8 characters—
your financial institution’s requirement could differ and is given on the
Change Passcode page; maximum length is 64 characters.)
Choose a word that is easy for you to remember, for example, the word
“applesauce”. Replace letters with symbols or other characters. Ideas include:

Replace “to” and “too” with “2”

Replace “and” with “&”

Replace “for” with “4”

Replace “is” with “=”

Capitalize one or more letters
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Using “applesauce:”

Replace any “a” with “@”: “@pples@uce”

Replace any “e” with “3”: “@ppl3s@uc3”

Capitalizing a letter: “@ppl3S@uc3”
Changing Security Verification Questions
Security Verification Questions and Answers are used by a financial institution
and the system to identify you in the event that you forget your access ID or
passcode. Normally, the security verification questions are set when enrolling
online for banking service. Users who do not have security verification
questions and answers on file can set them on the User Services page.
To change your security verification questions and answers:
1. On the User Services page, click Change Security Verification
Questions in the Security Settings section.
The Security Verification Questions page appears.
2. On the Security Verification Questions page, review your current questions
and answers. (Answers are masked by default; click Show My Security
Answers to display them.)
3. Click Edit Security Questions in the I want to menu to change a
question/answer.
The Change Security Verification Question page appears.
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4. In the Security Verification Question list, select a question. Some
possible questions are as follows (your financial institution may offer
different questions).

Company where you had your first job?

Name of your first grade teacher?

Your mother’s date of birth (mm/dd)?

Your father’s date of birth (mm/dd)?

Your father’s middle name?

Your mother’s maiden name?
5. In the Answer box, enter the answer to the question you selected.
Enter the simplest, most easy to recall form of the answer, so that you will
not have to guess if you need to type the answer to log in. For example, if
the answer is a person’s name, enter just the last name. Answers are not
case-sensitive.
6. Click Submit.
A confirmation page appears.
You have successfully changed your security verification question and/or
answer. This security verification question/answer does not expire, but should
be changed if you feel it has been compromised in any way.
Note
Some financial institutions require that their users answer more
than one security verification question. Simply repeat the above
steps for the other questions.
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Changing Security Code Delivery Preference
The Security Code Delivery Preference page allows you to select additional
delivery modes for security codes to be sent to you. A Security Code is sent
when additional authentication is required or when you submit a request for
passcode reset online. Codes can be sent to your primary email address, a
secondary email address, a phone and/or a mobile device.
To configure your security code delivery preferences:
1. On the User Services page, click Security Code Delivery Preference in
the Security Settings section.
The Security Code Delivery Preference page appears.
2. In the Send Security Code via Email section, select the check boxes for
Primary and/or Secondary email address as necessary.
3. In the Send Security Code via Text Alert section, select the check box for
Mobile device as necessary.
Notes
 If
either the Secondary email address or Mobile number has
not yet been set up, its check box cannot be selected.
 The
Enroll to receive text alerts link on the page can be
used to enroll a Mobile number so that it can be selected.
Refer to Enrolling for Text Message Alerts in chapter 6 for
details.
4. If your institution offers the voice messaging service you also see the
Send Security Code via Voice Message section, as illustrated here. Select
the check boxes for the Main Phone, Mobile Number, and/or the Alternate
Phone as necessary.
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Notes
 If
a phone number has not been entered or has not yet been
set up for voice messaging, its check box cannot be selected.
 The
Enable delivery of voice messages to this phone
links can be used to enroll a phone number so that it can be
selected. Refer to Enabling Voice Message Security Code
Delivery below for details.
5. Click Submit.
A confirmation page appears briefly, then you return to the User Services
page.
Enabling Voice Message Security Code Delivery
For financial institutions that offer voice message delivery of security codes,
you have the option of enrolling a number you have entered to receive
security codes via voice messaging. Any phone number you have on file can
be enabled.
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If you have not yet enabled any number for voice messaging, you see
on-screen messages prompting you to do so. Once a number is on file but not
enabled, an Enable delivery of voice messages to this phone link appears
next to the number, as illustrated above.
To enable a number for voice message security code delivery:
Note
The enrollment process requires you to enter a security code
that is sent to your selected number, so you should be where
you can answer that number before starting to enable it.
1. Click the Enable delivery of voice messages to this phone link.
The link goes to the Security Code Delivery Preference Declaration page.
You are advised that charges may apply to the voice messages. You must
be the account holder for the number given.
2. Select the confirmation check box.
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3. Click Submit.
The Enable your phone number for voice messages page appears.
You should receive a voice message from your financial institution at the
number you selected to enable, containing a security code.
4. In the text box, enter the security code that was received.
If you did not receive a security code, you can use the Click here link
provided on this page to request that another code be sent.
5. Click Submit to enable the number.
A confirmation page appears.
Security Tokens
You may be required by your financial institution to use a security token as an
additional form of authentication when logging in to Online Banking and/or
conducting certain transactions. If you are required to use a security token for
authentication, you will be notified by your financial institution on how to
obtain your security token.
To view the Security Token page, click Security Token on the User Services
page in the Security Settings section.
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The Security Token page provides general information about security tokens,
and provides access to certain token related options.
If you have a token that needs to be activated, an Activate Security Token
button appears on this page, and takes you to the activation page. You can
also go directly to the activation page from the User Services main page using
the Activate Your Security Token link.
Activating a Security Token
Tokens that have been issued must be activated before they can be used.
Activation can be performed by you, or may have already been done for you
by your financial institution.
The Activating Your Security Token page allows you to register and activate
your security token for dual authentication purposes. Once you’ve activated,
you’ll simply generate a unique, one time security code with your VIP Security
Token and enter the security code when prompted after entering your access
ID and passcode.
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Note
You must have your security token in your possession in order
to activate the security token service.
To activate your security token:
1. On the User Services page, click Activate Your Security Token in the
Security Settings section.
2. On the Activate Your Security Token page, enter the token number in the
Security Token ID field.
The security token ID is the 12-digit alphanumeric code located on the
back of the security token.
3. Press the button on the token and enter the six-digit number it displays in
the Security Code field.
Note
Security codes are valid for only 30 seconds. If more than 30
seconds pass between generating a code and entering it, you
must generate a new security code.
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4. Click Continue to activate the security token.
A confirmation page appears when you have successfully activated your
security token.
Controlling Personal Finance Software Access
Financial institutions that support the Intuit Quicken/QuickBooks
DirectConnect feature provide the Personal Finance Software Access link
in User Services. The Personal Finance Software Access page allows you to
indicate that a particular Personal Financial Software application is or is not
authorized by you to access your accounts.
®
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To authorize a Personal Finance Software application:
1. On the User Services page, click Personal Finance Software Access in
the Security Settings section.
The Change Personal Financial Software Access page appears, listing
installed personal finance software applications.
2. Click the Enable link for any personal finance software application that
you authorize to access your account information, or the Delete link for
any application that you did not authorize or no longer wish to authorize.
The update page appears.
3. Click Confirm to confirm the action shown.
A confirmation page appears briefly and then the User Services page
reappears.
Sending a Secure Message
The Send a Message page allows you to send an encrypted message to OLB
Support at your financial institution. Because a message is transmitted
securely, you can confidently inquire about sensitive information, such as
account numbers or balances. However, you should never reveal your
passcode. OLB Support does not need it to help you.
To send a secure message:
1. On the User Services page, click Send a Secure Message in the Contact
Us section.
The Send A Message page appears.
2. In the Regarding list, select the account that you are inquiring about, or
select ‘Other’ if it concerns some other issue. This field is required.
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3. In the Category list, select the message type. This field is required and
helps the system transmit the message to the responsible OLB Support
representative at the financial institution.
4. In the Subject box, type a few words to identify your message. This field
is required and has a maximum length of 40 characters.
5. In the Message box, type your message. Do not include your passcode in
the message; OLB Support does not need it to help you.
6. To attach a file to the message before sending (if your financial institution
offers this service), do the following:

Drag a file from another window and drop it in the attachment area
below the Message box.
- OR -

Click browse to find and attach the file to the message.
You can attach a file of up to 5 MB. Some file types are not allowed. If you
have secure file transfer privileges, the maximum file size is 20 MB. Any
attached files are listed at the bottom of the page.
7. Click Send Message.
The Secure Message Sent page appears. You have successfully sent a secure
message to the financial institution.
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Obtaining Financial Institution Contact Information
To view information about your financial institution’s contact information:
1. On the User Services page, click Contact Information for <financial
institution> in the Contact Us section, where <financial institution> is the
name of your financial institution.
2. The page shows the contact information for your financial institution.
(Some financial institutions offer an additional “Locate a Branch” link that
displays branch hours and address information.)
3. Click Return to Services List.
Frequently Asked Questions
General
Q: What are user services?
A: User services allow you to request many standard financial services,
including reordering checks, requesting stop payments, updating contact
information, and ordering copies of documents, such as canceled checks,
disclosure forms, and loan agreements.
You can also send questions or comments to your financial institution through
encrypted message, change your passcode, and look up contact information
for your financial institution, including addresses, phone numbers, and fax
numbers.
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Q: Can I default to a different page when I log in rather than going
straight to payments?
A: Yes, you can select which section you want to view first. Go to the User
Services tab and in the User Preferences section click Start Page Selection.
Use the Section list to choose which page will appear first when you log in.
Managing Your Account
Q: How do I change my address?
A: Click the User Services tab and select Change Address Information.
This information will be sent to your financial institution via a secure message
to request changes to your address for all of your accounts.
Q: If I change my address on the site, does it change the address on
my account at my financial institution?
A: No, changing your address on the system sends a secure message to your
financial institution notifying them of the requested change.
Q: Why does it say “Information Received” when I change my
address, and not “Address Updated”?
A: The address change information you have entered does not automatically
change your address. This information is sent via secure messaging to your
financial institution. They will make the change.
Q: How do I change my passcode?
A: Click the User Services tab and select Change Passcode to change your
passcode.
Q: How often do I have to change my passcode?
A: Changing your passcode is at your discretion. If you feel that your
passcode has been compromised, you should immediately change it and
contact your financial institution. Otherwise, you can change the passcode at
any time from the User Services tab.
Some financial institutions may require passcode changes periodically; check
with your institution for details.
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Q: Why can’t I change my passcode without getting an error
message?
A: The passcode you entered does not pass our security check. In order to
maintain tight security you must choose a passcode that is meets the
minimum required length, is unique, and cannot easily be deciphered.
Observe the requirements and tips shown on the Change Passcode page when
changing your passcode.
Q: What do I do if I forget my passcode?
A: If your financial institution offers the Automated Passcode Reset feature,
click the Forgot Passcode link on the login page. If your financial institution
does not offer this service, call your financial institution to reset your
passcode. They will assign you a new temporary passcode. As soon as you use
it to log in, you will be required to change it again to ensure security.
Accessing Banking Services
Q: How do I reorder checks?
A: Go to the User Services tab and click Reorder Checks. For security
reasons, you can only reorder checks with the same style and address as your
current checks.
Q: Can I specify if I want a different check style when I reorder
checks on the Internet?
A: No. To change the check style, contact your financial institution directly.
Q: How do I send an message to my financial institution?
A: Go to the User Services tab and click Send a Secure Message, or click
the Contact Us link at the top of the page next to the Log Out link.
Q: Can I change my access ID?
A: Yes, if your financial institution offers this option. Go to the User Services
tab and click Change Access ID.
Q: What type of files can be used with Secure File Transfer?
A: You may only send text files using Secure File Transfers.
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Contacting Your Financial Institution
Q: How do I report a problem?
A: For most problems, go to the User Services tab and click Send a Secure
Message, or click the Contact Us link at the top of the page next to the Log
Out link. Describe your problem in the message and send it to your financial
institution.
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Chapter 9: Glossary
A
Access ID
The username that you enter along with a passcode to identify yourself when you log in to
Online Banking. Your access ID must contain from 5 to 20 characters, cannot contain your
tax ID/Social Security Number, and cannot have been used by your financial institution for
any other user. It can contain a combination of alpha, numeric, or special characters, and
is case-sensitive.
Account Detail
A page with more detailed information about the account, including a history of
transactions made with the account in the past month.
Account Number
A number identifying your account. Many companies, such as credit card companies,
utilities, and magazines, assign their users an account number. This number usually
appears somewhere on your bill from them. If you have a credit card, for example, your
account number would be your credit card number.
It is very important that you fill in this number when making a payment to a company that
uses them, so the payee knows whose account to credit. Many companies require their
users to write their account number on paper checks as well.
If you don’t have an account number with the payee (for example, if you are making a
payment to a relative), we suggest that you enter your name into the account number
space. You may enter up to 25 characters.
Account Statement
The monthly tally of transactions on your account. You can view or print statements for
past months from within Online Banking.
Account Summary Table
A table showing all of your online accounts by type and number that allows you to click a
link to see the Account Detail, Account Statement, or Account History for a specific
account.
Account Transfer
Moves funds from the selected Online Banking account into another Online Banking
account.
ACH (Automated Clearing House)
An electronic funds transfer system, which provides for the transferring of interbank funds
electronically.
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Actions
A column on some Online Banking pages containing I want to menus that provide access to
information and editing options for each account or other item listed.
Alert
An event or condition as defined on the Notify Me Alerts tab that can generate an
automatic notification to the user via email and/or text message. Account activity alerts,
messaging alerts, and security alerts are provided. Users can set parameters and delivery
options for alerts, and opt in or out of receiving them. (Most security alerts do not allow
opting out.)
As Of
The date for which the balance is accurate; that is, the date of the last known transaction
and/or balance update.
Automated Passcode Reset
A feature that allows a user to reset his or her passcode if it is forgotten. The process takes
the Online Banking user through a number of validation pages to verify the user’s identity.
After the validation process, the user can enter a new passcode. A passcode reset
confirmation is sent to the user. The user is directed to record the passcode reset
confirmation code and enter it on the Passcode Reset Confirmation page after logging on to
the system.
Available Balance
The amount currently available for withdrawal or transfers from the account, which reflects
any recent, unposted transactions or holds on the account balance.
B
Balance Adjustment
The difference between an account’s Current Balance and its Available Balance, which is
the total of any recent transactions that have not yet posted.
Browser
The program that allows you to access web sites on the Internet. Mozilla Firefox and
Microsoft Internet Explorer are two popular web browsers.
Button
A clickable on-screen graphic image that looks like a button. Click the button image to
execute a command.
C
Click
Press and release the mouse button once. (If your mouse has more than one button,
“click” refers to the primary mouse button, normally the left button.)
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Confirmation Code
An alphanumeric security code sent to you by the system when you submit a request for
passcode reset online. You must enter the code in the system in order to proceed.
Current Balance
The account’s balance at the start of the current banking day, which reflects transactions
posted up to that point. Current Balance does not include any recent, unposted
transactions.
Customer Validation
An automated method of authorizing access to an external account for transfers to and
from Online Banking accounts. Customer Validation requires the OLB user to verify the
amount of two small deposits made to the external account after a request is submitted.
This is an optional feature that institutions may offer customers, and is available only with
external Checking and Savings accounts (not Loan accounts, which must use the FI
Authentication method).
D
Daily Ledger Balance
The official balance received from your financial institution during the daily update.
Delivery Mode
A method by which Notify Me Alerts notification messages can be sent to users. Available
delivery modes are Primary email address, Secondary email address, and for financial
institutions that offer SMS text messaging, a mobile phone number.
E
E-Document
A document, such as a legal notice, disclosure or terms and conditions, offered by some
financial institutions for their Online Banking users, that is delivered online in electronic
format. For institutions that combine the management of statements with other
documents, e-statements are also considered e-documents.
E-Statement
An account statement, offered by some financial institutions for their Online Banking users,
that is delivered online in electronic format.
Electronic Payment
A funds transfer to another party made electronically, directly through your financial
institution.
Error Message
Information that helps OLB Support advise you about an unexpected computer event.
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External Transfers
An enhancement to the existing internal transfer service. This service allows retail users to
transfer funds between their Online Banking accounts and an external account at another
financial institution.
F
FI Authentication
A manual method of authorizing access to an external account for transfers to and from
Online Banking accounts. FI Authentication requires the OLB user to submit documentation
to their financial institution verifying that the user is authorized to access the requested
external account. On that basis, the FI approves or declines the request.
Field
A labeled box on the Online Banking page where you can enter information. Type the
requested information in the blank space.
Financial Institution
A bank, credit union, lender, or other company that holds and manages financial accounts
for users, and provides the Online Banking service.
G
General Help
An area within the online help system that provides overview information and FAQs on all
areas of Online Banking.
I
ID No. (Pending Payments page)
A unique ID number assigned to each payment you make. The number is used to track any
payments you have questions or concerns about.
Internet Transfer
A movement of funds from the selected account into another Online Banking account.
I want to menu
A dynamic drop-down menu that provides options related to the page or table item it is
associated with. “I want to” menus are found throughout the Online Banking system, and
the available actions they contain can vary depending on the page or the current state of
an associated item. Selecting something from an “I want to” menu normally opens another
page or dialog box.
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L
Ledger Balance
The official balance recorded on the date shown. Note: If you made any Internet
transactions, this balance may be different from the same day’s current balance because
recent transactions may not have completed processing.
Link
A short section of text, usually underlined and colored blue, that you can click on. Clicking
on a link makes another page appear.
Log In
To begin an Online Banking session securely by identifying yourself using a unique Access
ID and a secret passcode.
Log Out
To exit an Online Banking session using the Log Out link, in order to properly disconnect
from the online system.
M
Masking
A security measure that reduces the exposure of sensitive information. By default, account
numbers for most types of accounts are partially hidden, displaying only the last several
digits. An accompanying “unmask” icon (
) allows the full number to be temporarily
revealed when necessary.
Mobile Enrollment
Enrollment in the Mobile Manager mBanking mobile banking service. By default, for
financial institutions that have a license for the Mobile Manager service, all users (Retail
and Commercial) have access to the Mobile Banking Enrollment page. These financial
institutions can request a setting that will allow them to permit access to the Mobile
Banking Enrollment page for only specific Commercial users.
Mobile Phone
An optional phone number that users can enter. When the number has been enrolled, it
can be used as delivery mode for Notify Me Alert text message notifications.
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N
Notify Me Alerts
A feature providing automated notification to the user of important account activity,
messages, and other events. Users can configure Notify Me Alerts to send notifications on
just the alerts that they want, send them to preferred email address(es), and qualify
certain alerts with trigger settings (such as a balance threshold). Financial institutions can
opt to support notification via SMS text messages.
O
Online Banking
The web-based financial site described in this guide, provided by your financial institution
for you to access their financial services.
Online Bill Pay
A service that allows you to set up automated online payments. You select the person or
company to make a payment to, and the payments system withdraws the money from
your account and sends the payee a paper check or an electronic payment. You can
schedule payments in advance. You can even set up payments to reschedule themselves
automatically.
Owner
The owner of the account. For joint checking accounts, only one name will appear if each
account owner has a separate file at your financial institution.
P
Passcode
The password you enter along with an access ID to log in to Online Banking. Passcodes can
be up to 64 characters in length, must contain at least one number and one letter, and are
case-sensitive. Passcodes should be kept secure, and never revealed to anyone.
Payee
The person, business, or organization to which you make a payment.
Payment Made Online
An indication that a payment was made through this Web site.
PFM (Personal Financial Manager)
An optional service that aggregates and displays financial account information from
multiple financial institutions on a single tab in Online Banking. Users of financial
institutions that offer PFM see a PFM tab, and do not see the transaction category features
of the Check Register service.
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Primary Email Address
Your main email address, entered when you signed up for Online Banking. The Primary
email address is the default method of email communication with users. Security alerts are
always sent to the Primary email address.
Privileges
A set of permissions associated with a login identity that serves to control a user’s access
to services.
R
Remove Online Account
A User Services feature that allows an online user to disable any viewable accounts (i.e.,
set the account to a “No View” state). The account is still active for balance, history, or
statements updates but can no longer be viewed or used for an online transactions on the
system.
S
Scroll
Moving up and down or right to left to see all of the information on the page. Often done by
clicking the mouse in a special bar on the side or bottom of the page.
Secondary Email Address
An optional, alternative email address that users can enter. Used as another possible
delivery mode for Notify Me Alert notifications.
Security Code
An alphanumeric code sent to you by the system when additional authentication is
required. You must enter the code in the system in order to proceed.
Security Key Certificate
An electronic credential. Your browser must have a current security key certificate to
connect securely to the system.
Security Verification Questions/Answers
A series of generic questions about personal information and their user-supplied answers,
used by a financial institution and the system to identify you in the event that you forget
your access ID or passcode.
Sensitive Message
An Online Banking message that contains personal information such as account numbers,
and therefore needs to be kept private.
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SMS
Short Messaging Service, a standard for transmission of brief text messages to and from
cell phones and other mobile devices.
T
Text Messaging
Communication by short, text-only messages, commonly sent and received using a cell
phone or other mobile device. Online Banking allows financial institutions that support the
service to send Notify Me Alert notifications by SMS text message.
Transaction History
A list of the account’s transactions covering a given date range.
Transfer Description
A brief note that can be entered to explain the reason for a transfer. This memo appears in
your Online Banking account history.
Transfer ID
A transfer’s confirmation number. Refer to the Transfer ID number if you have any
questions or problems with a transfer.
U
Urgent Message
A message that is important for you to read as soon as possible. For example, a
notification that the server will be unavailable for an hour during an upgrade.
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